ra 9302 & 3591 - "charter of the philippine deposit insurance corporation" and for other purposes

8/7/2019 RA 9302 & 3591 - "Charter of the Philippine Deposit Insurance Corporation" and for Other Purposes

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[mr}k`il Hlu Ca#


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.i) Unm um{j u{}|u f}ce| jmhc| f}ce| nmè ky hc ic|}{me khcd ic h fie}lih{y lhrhliuy hce

icl`}em| wiuna}u kmicg ìjiume ua, f}ce| nmè h| u{}|umm, m~ml}ua{, hejici|u{hua{, g}h{eihc, a{

hgmcu#

\ml# 5# Hcy khcd a{ khcdicg ic|uiu}uiac wniln i| mcghgme ic unm k}|icm|| af {mlmivicg emra|iu| h|

nm{mic emficme ac unm mffmluivm ehum af uni| Hlu, a{ wniln unm{mhfum{ jhy mcghgm ic unm k}|icm|| af{mlmivicg emra|iu|, jhy ic|}{m iu| emra|iu ìhkiìuim| wiun unm La{ra{huiac# Kmfa{m hrr{avicg unm

hrrìlhuiac af |}ln khcd ua kmlajm hc ic|}{me khcd, unm Kah{e af Ei{mlua{| |nh`` givmlac|iem{huiac ua unm fhlua{| mc}jm{hume ic \mluiac = hce |nh`` emum{jicm }rac unm kh|i| af h

una{a}gn m~hjichuiac af |}ln khcd, unhu iu| h||mu| ic m~lm|| af iu| lhriuh` {mx}i{mjmcu| h{m

hemx}hum ua mchk`m iu ua jmmu h`` iu| ìhkiìuim| ua emra|iua{| hce aunm{ l{meiua{| h| |nawc ky unmkaad| af unm khcd#

\ml# =# Unm fhlua{| ua km lac|iem{me ky unm Kah{e af Ei{mlua{| }cem{ unm r{mlmeicg |mluiac |nh``

km unm fa`àwicg? unm fichclih` ni|ua{y hce laceiuiac af unm Khcd, unm hemx}hly af iu| lhriuh`

|u{}lu}{m, iu| f}u}{m mh{cicg r{a|rmlu|, unm gmcm{h` lnh{hlum{ af iu| jhchgmjmcu, unm lacvmcimclm

hce cmme| af unm lajj}ciuy ua km |m{vme ky unm Khcd hce wnmunm{ a{ cau iu| la{ra{hum rawm{|h{m lac|i|umcu wiun unm r}{ra|m| af uni| Hlu#

\ml# 6# .h) Unm h||m||jmcu {hum |nh`` km emum{jicme ky unm Kah{e af Ei{mlua{|? R{avieme, Unhu unm

h||m||jmcu {hum |nh`` cau m~lmme acm*uwm`fun af acm rm{ lmcu}j rm{ hcc}j# Unm |mjihcc}h`h||m||jmcu fa{ mhln ic|}{me khcd |nh`` km ic unm hja}cu af unm r{ae}lu af acm*nh`f .8!;) unm

h||m||jmcu {hum j}ùir ime ky unm h||m||jmcu kh|m# Unm h||m||jmcu kh|m |nh`` km unm hja}cu af

unm ìhkiìuy af unm khcd fa{ emra|iu|, hlla{eicg ua unm emficiuiac af unm um{j emra|iu ic hcer}{|}hcu ua |}k|mluiac .f) af \mluiac < wiuna}u hcy eme}luiac fa{ icemkumecm|| af emra|iua{|?

R{avieme, f}{unm{, Unhu unm khcd *

.8) jhy eme}lu .i) f{aj unm emra|iu kh`hclm e}m ua hc ic|}{me khcd unm emra|iu kh`hclm e}m f{aj|}ln ic|}{me khcd .aunm{ unhc u{}|u f}ce| emra|iume ky iu ic |}ln khcd) wniln i| |}komlu ua hcijjmeihum wiune{hwh`4 hce .ii) lh|n iumj| h| emum{jicme ky miunm{ af unm fa`àwicg jmunae|, hu

unm aruiac af unm khcd? .hh) ky j}ùir`yicg ky ; unm uauh` af unm lh|n iumj| fa{wh{eme fa{

la``mluiac ac unm h||m||jmcu kh|m ehy| .kmicg unm ehy| ac wniln unm hvm{hgm emra|iu| h{mlajr}ume) hce lh|n iumj| nmè fa{ l`mh{icg| hu unm là|m af k}|icm|| ac |hie ehy|, wniln h{m ic

unm r{alm|| af la``mluiac hce wniln unm khcd nh| rhie ic unm {mg}`h{ la}{|m af k}|icm|| a{

l{meiume ua emra|iu hlla}cu|4 a{ .kk) ky eme}luicg unm uauh` af lh|n iumj| fa{wh{eme fa{ la``mluiacac unm h||m||jmcu kh|m ehy| hce lh|n iumj| nmè fa{ l`mh{icg hu unm là|m af k}|icm|| ac |hie

ehy|, wniln h{m ic unm r{alm|| af la``mluiac hce wniln unm khcd nh| rhie ic unm {mg}`h{ la}{|m af

k}|icm|| a{ l{meiume ua emra|iu hlla}cu|, r`}| |}ln }cla``mlume iumj| rhie a{ l{meiume ac

r{mlmeicg ehy| wniln h{m ic unm r{alm|| af la``mluiac? R{avieme, Unhu unm Kah{e af Ei{mlua{| jhyemficm unm um{j| lh|n iumj|, r{alm|| af la``mluiac, hce }cla``mlume iumj| hce |nh`` fi~ unm

jh~ij}j rm{iae fa{ wniln hcy |}ln iumj jhy km eme}lume4 hce

.;) jhy m~l`}em f{aj iu| h||m||jmcu kh|m .i) e{hfu| e{hwc ky iu ac emra|iu hlla}cu| ic aunm{ khcd| wniln h{m i||}me ic unm {mg}`h{ la}{|m af k}|icm||4 hce unm hja}cu af emvilm| a{

h}una{izhuiac| i||}me ky iu fa{ lh|n `muum{| {mlmivme, ei{mluicg unhu iu| emra|iu hlla}cu ic unm

|mceicg khcd km lnh{gme wiun unm hja}cu unm{maf4 hce .ii) lh|n f}ce| wniln h{m {mlmivme hce


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nmè |a`m`y fa{ unm r}{ra|m af |ml}{icg h ìhkiìuy ua unm khcd k}u cau ic hc hja}cu ic m~lm|| af

|}ln ìhkiìuy, hce wniln h{m cau |}komlu ua wiune{hwh` ky unm akìga{ hce h{m lh{{ime ic h |rmlih`

cac*icum{m|u kmh{icg hlla}cu em|igchume ua r{arm{`y |naw unmi{ r}{ra|m#

Mhln ic|}{me khcd, h| h laceiuiac ua unm {ignu ua jhdm hcy |}ln eme}luiac a{ m~l`}|iac ic

emum{jicicg iu| h||m||jmcu kh|m, |nh`` jhicuhic |}ln {mla{e| h| wi`` {mhei`y rm{jiu vm{ifilhuiac afunm la{{mlucm|| unm{maf# Unm |mjihcc}h` h||m||jmcu kh|m fa{ acm |mjihcc}h` rm{iae |nh`` km unm

hvm{hgm af unm h||m||jmcu kh|m af unm khcd h| af unm là|m af k}|icm|| ac Jh{ln uni{uy*acm hceO}cm uni{uy, hce unm |mjihcc}h` h||m||jmcu kh|m fa{ unm aunm{ |mjihcc}h` rm{iae |nh`` km unm

hvm{hgm af unm h||m||jmcu kh|m af unm khcd h| af unm là|m af k}|icm|| ac \mrumjkm{ uni{uy hce

Emlmjkm{ uni{uy*acm? R{avieme, Unhu wnmc hcy af |hie ehy| i| h cack}|icm|| ehy a{ h `mgh`naìehy, miunm{ Chuiach` a{ R{aviclih`, unm r{mlmeicg k}|icm|| ehy |nh`` km }|me# Unm lm{uifime

|uhumjmcu| {mx}i{me ua km fi`me wiun unm La{ra{huiac }cem{ |}k|mluiac| .k) hce .l) af uni| |mluiac

|nh`` km ic |}ln fa{j hce |mu fa{un |}ln |}rra{uicg icfa{jhuiac h| unm Kah{e af Ei{mlua{| |nh``r{m|l{ikm# Unm h||m||jmcu rhyjmcu| {mx}i{me f{aj ic|}{me khcd| }cem{ |}k|mluiac| .k) hce .l) af

uni| |mluiac |nh`` km jhem ic |}ln jhccm{ hce hu |}ln uijm a{ uijm| h| unm Kah{e af Ei{mlua{|

|nh`` r{m|l{ikm, r{avieme unm uijm a{ uijm| |a r{m|l{ikme |nh`` cau km `hum{ unhc |i~uy ehy| hfum{fiìcg unm lm{uifime |uhumjmcu |muuicg fa{un unm hja}cu af h||m||jmcu#

.k) Ac a{ kmfa{m unm 8=un af O}`y af mhln ymh{, mhln ic|}{me khcd |nh`` fi`m wiun unm La{ra{huiac h

lm{uifime |uhumjmcu |nawicg fa{ unm |i~ jacun| mceicg ac unm r{mlmeicg O}cm uni{uy unm hja}cu af

unm h||m||jmcu kh|m hce unm hja}cu af unm |mjihcc}h` h||m||jmcu e}m ua unm La{ra{huiac fa{ unmrm{iae mceicg ac unm fa`àwicg Emlmjkm{ uni{uy*acm, emum{jicme ic hlla{ehclm wiun |}k|mluiac

.h) af uni| |mluiac, wniln |nh`` lacuhic a{ km vm{ifime ky h w{iuumc eml`h{huiac unhu iu i| jhem

}cem{ unm rmchùim| af rm{o}{y# Mhln ic|}{me khcd |nh`` rhy ua unm La{ra{huiac unm hja}cu af unm

|mjihcc}h` h||m||jmcu iu i| {mx}i{me ua lm{uify# Ac a{ kmfa{m unm 8=un ehy af Ohc}h{y af mhlnymh{, mhln ic|}{me khcd |nh`` fi`m wiun unm La{ra{huiac h |iji`h{ lm{uifime |uhumjmcu fa{ unm |i~

jacun| mceicg ac unm r{mlmeicg Emlmjkm{ uni{uy*acm hce |nh`` rhy ua unm La{ra{huiac unmhja}cu af unm |mjihcc}h` h||m||jmcu fa{ unm rm{iae mceicg ac unm fa`àwicg O}cm uni{uy wniln iui| {mx}i{me ua lm{uify#

.l) Mhln khcd wniln kmlajm| hc ic|}{me khcd |nh`` cau km {mx}i{me ua fi`m hcy lm{uifime |uhumjmcu

a{ rhy hcy h||m||jmcu fa{ unm |mjihcc}h` rm{iae ic wniln iu kmlajm| hc ic|}{me khcd# Ac unm

m~ri{huiac af |}ln rm{iae, mhln |}ln khcd |nh`` lajr`y wiun unm r{avi|iac| af |}k|mluiac .k) afuni| |mluiac m~lmru unhu unm |mjihcc}h` h||m||jmcu kh|m fa{ iu| fi{|u lm{uifime |uhumjmcu |nh`` km

unm h||m||jmcu kh|m af unm khcd h| af unm là|m af k}|icm|| ac unm r{mlmeicg O}cm uni{uy a{

Emlmjkm{ uni{uy*acm, wnilnmvm{ i| hrr ilhk`m, emum{jicme ic hlla{ehclm wiun |}k|mluiac .h) afuni| |mluiac# If |}ln khcd nh| h||}jme unm ìhkiìuim| fa{ emra|iu| af hcaunm{ khcd a{ khcd|, iu

|nh`` icl`}em |}ln ìhkiìuim| ic iu| h||m||jmcu kh|m# Unm fi{|u lm{uifime |uhumjmcu |nh`` |naw h| unm

hja}cu af unm fi{|u |mjihcc}h` h||m||jmcu e}m ua unm La{ra{huiac, hc hja}cu mx}h` ua unmr{ae}lu af acm*nh`f af unm hcc}h` h||m||jmcu {hum j}ùirìme ky |}ln h||m||jmcu kh|m#

.e) H| af Emlmjkm{ uni{uy*acm cicmummc n}ce{me |i~uy*fa}{, hce h| af Emlmjkm{ uni{uy*acm af

mhln lh`mceh{ ymh{ unm{mhfum{, unm La{ra{huiac |nh`` u{hc|fm{ 52 rm{ lmcu}j af iu| cmu h||m||jmcu

iclajm ua iu| lhriuh` hlla}cu hce unm kh`hclm af unm cmu h||m||jmcu iclajm |nh`` km l{meiume r{a{huh ua unm ic|}{me khcd| kh|me }rac unm h||m||jmcu af mhln khcd kmlajicg e}m e}{icg |hie


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lh`mceh{ ymh{# Mhln ymh{ |}ln l{meiu |nh`` km hrrìme ky unm La{ra{huiac uawh{e unm rhyjmcu af

unm uauh` h||m||jmcu kmlajicg e}m fa{ unm |mjihcc}h` h||m||jmcu rm{iae kmgiccicg unm cm~u

mc|}icg O}`y 8 hce hcy m~lm|| l{meiu |nh`` km hrrìme }rac unm h||m||jmcu cm~u kmlajicg e}m#Unm um{j cmu h||m||jmcu iclajm h| }|me unm{mic jmhc| unm uauh` h||m||jmcu| wniln kmlajm|

e}m e}{icg unm lh`mceh{ ymh{ `m|| .8) unm arm{huicg la|u| hce m~rmc|m| af unm La{ra{huiac fa{ unm

lh`mceh{ ymh{4 .;) heeiuiac| ua {m|m{vm ua r{aviem fa{ ic|}{hclm à||m| e}{icg unm lh`mceh{ ymh{,m~lmru unhu hcy heo}|ujmcu| ua {m|m{vm wniln {m|}ù ic h {me}luiac af |}ln {m|m{vm |nh`` km heeme4

hce .


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hja}cu cau ua m~lmme R82,222 fa{ mhln u{}|u m|uhum, hce wnmc emra|iume ky unm fie}lih{y khcd ic

hcaunm{ ic|}{me khcd |}ln u{}|u f}ce| |nh`` km |iji`h{`y ic|}{me ua unm fie}lih{y khcd hlla{eicg

ua unm u{}|u m|uhum| {mr{m|mcume# Cauwiun|uhceicg hcy aunm{ r{avi|iac af uni| Hlu, |}ln ic|}{hclm|nh`` km |mrh{hum f{aj unm heeiuiach` ua unhu lavm{icg aunm{ emra|iu| af unm awcm{| af |}ln u{}|u

f}ce| a{ unm kmcmfilih{im| af |}ln u{}|u m|uhum|? R{avieme, Unhu wnm{m unm fie}lih{y khcd emra|iu|

hcy af |}ln u{}|u f}ce| ic aunm{ ic|}{me khcd|, unm hja}cu |a nmè ky aunm{ ic|}{me khcd| acemra|iu |nh`` cau fa{ unm r}{ra|m af hcy lm{uifime |uhumjmcu {mx}i{me }cem{ |}k|mluiac| .k) hce .l)

af uni| |mluiac km lac|iem{me ua km h emra|iu ìhkiìuy af unm fie}lih{y khcd, k}u |nh`` km

lac|iem{me ua km h emra|iu ìhkiìuy af unm khcd ic wniln |}ln f}ce| h{m |a emra|iume ky |}lnfie}lih{y khcd# Unm Kah{e af Ei{mlua{| |nh`` nhvm unm rawm{ ky {mg}`huiac ua r{m|l{ikm unm

jhccm{ af {mra{uicg hce af emra|iuicg |}ln u{}|u f}ce|#

\ml# 7# .h) Hcy ic|}{me khcd jhy, }rac cau `m|| unhc cicmuy ehy|, w{iuumc cauilm ua unm

La{ra{huiac, hce ua unm Emvmàrjmcu Khcd af unm Rniìrricm| if iu awc| a{ naè| h| r`megm| hcyr{mfm{{me |uald, lhriuh` caum|, a{ emkmcu}{m| af |}ln khcd, um{jichum iu| |uhu}| h| hc ic|}{me khcd#

Wnmcmvm{ unm Kah{e af Ei{mlua{| |nh`` fice unhu hc ic|}{me khcd a{ iu| ei{mlua{| a{ u{}|umm| nhvm

lacuic}me }c|hfm a{ }c|a}ce r{hluilm| ic lace}luicg unm k}|icm|| af unm khcd a{ wniln nhvmdcawicg`y a{ cmgìgmcu`y rm{jiuume hcy af iu| affilm{| a{ hgmcu| ua via`hum hcy r{avi|iac| af hcy

`hw a{ {mg}`huiac ua wniln unm ic|}{me khcd i| |}komlu, unm Kah{e af Ei{mlua{| |nh`` fi{|u givm ua

unm Lmcu{h` Khcd af unm Rniìrricm| h |uhumjmcu wiun {m|rmlu ua |}ln r{hluilm| a{ via`huiac| fa{

unm r}{ra|m af |ml}{icg unm la{{mluiac unm{maf hce |nh`` givm h lary unm{maf ua unm khcd# ]c`m|||}ln la{{mluiac |nh`` km jhem wiunic acm n}ce{me uwmcuy ehy| a{ |}ln |na{um{ rm{iae af uijm h|

unm Lmcu{h` Khcd af unm Rniìrricm| |nh`` {mx}i{m, unm Kah{e af Ei{mlua{|, if iu |nh`` emum{jicm ua

r{almme f}{unm{, |nh`` givm ua unm khcd cau `m|| unhc uni{uy ehy| w{iuumc cauilm af icumcuiac uaemum{jicm unm |uhu}| af unm khcd h| hc ic|}{me khcd, hce |nh`` fi~ h uijm hce r`hlm fa{ h nmh{icg

kmfa{m unm Kah{e af Ei{mlua{| a{ kmfa{m h rm{|ac em|igchume ky iu ua lace}lu |}ln nmh{icg, hu

wniln mviemclm jhy km r{ae}lme, hce }rac |}ln mviemclm unm Kah{e af Ei{mlua{| |nh`` jhdm

w{iuumc ficeicg| wniln |nh`` km lacl`}|ivm# ]c`m|| unm khcd |nh`` hrrmh{ hu unm nmh{icg ky h e}`yh}una{izme {mr{m|mcuhuivm, iu |nh`` km emmjme ua nhvm lac|mcume ua unm um{jichuiac af iu| |uhu}| h|

hc ic|}{me khcd# If unm Kah{e af Ei{mlua{| |nh`` fice unhu hcy }c|hfm a{ }c|a}ce r{hluilm a{

via`huiac |rmlifime ic |}ln cauilm nh| kmmc m|uhkì|nme hce nh| cau kmmc la{{mlume wiunic unm uijmhkavm r{m|l{ikme ic wniln ua jhdm |}ln la{{mluiac, unm Kah{e af Ei{mlua{| jhy a{em{ unhu unm

ic|}{me |uhu}| af unm khcd km um{jichume ac h ehum |}k|mx}mcu ua |}ln ficeicg hce ua unm

m~ri{huiac af unm |hjm |rmlifime ic |}ln cauilm af icumcuiac# Unm La{ra{huiac jhy r}kì|n cauilmaf |}ln um{jichuiac hce unm khcd |nh`` givm cauilm af |}ln um{jichuiac ua mhln af unm emra|iua{| hu

ni| `h|u hee{m|| af {mla{e ac unm kaad| af unm khcd, ic |}ln h jhccm{ hce hu |}ln hu uijm h| unm

Kah{e af Ei{mlua{| jhy fice ua km cmlm||h{y hce jhy a{em{ fa{ unm r{aumluiac af unm emra|iua{|#Hfum{ unm um{jichuiac af unm ic|}{me |uhu}| af hcy khcd }cem{ unm r{avi|iac| af uni| |}k|mluiac,

unm ic|}{me emra|iu| af mhln emra|iua{ ic unm khcd ac unm ehum af |}ln um{jichuiac, `m|| h``

|}k|mx}mcu wiune{hwh`| f{aj hcy emra|iu| af |}ln emra|iua{, |nh`` lacuic}m fa{ h rm{iae af uwaymh{| ua km ic|}{me, hce unm khcd |nh`` lacuic}m ua rhy ua unm La{ra{huiac h||m||jmcu| h| ic unm

lh|m af hc ic|}{me khcd e}{icg |}ln rm{iae# Ca heeiuiac| ua hcy |}ln emra|iu| hce ca cmw

emra|iu| ic |}ln khcd jhem hfum{ unm ehum af |}ln um{jichuiac |nh`` km ic|}{me ky unm

La{ra{huiac, hce unm khcd |nh`` cau hevm{ui|m a{ naè iu|m`f a}u h| nhvicg ic|}{me emra|iu| }c`m||ic unm |hjm laccmluiac iu |nh`` h`|a |uhum mx}h` r{ajicmclm unhu |}ln heeiuiac| ua emra|iu| hce

cmw emra|iu| jhem hfum{ |}ln ehum h{m cau |a ic|}{me# \}ln khcd |nh``, ic h`` aunm{ {m|rmlu|, km


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|}komlu ua unm e}uim| hce akìghuiac| af hc ic|}{me khcd fa{ unm rm{iae af uwa ymh{| f{aj unm ehum

af |}ln um{jichuiac, hce ic unm mvmcu unhu |}ln khcd |nh`` km là|me ac hlla}cu af ic|a`vmcly

wiunic |}ln rm{iae af uwa ymh{|, unm La{ra{huiac |nh`` nhvm unm |hjm rawm{| hce {ignu| wiun{m|rmlu ua |}ln khcd h| ic lh|m af hc ic|}{me khcd#

.k) Cauwiun|uhceicg hcy aunm{ r{avi|iac af `hw, wnmcmvm{ unm Kah{e af Ei{mlua{| |nh`` emum{jicmunhu hc ic|}{me khcdicg ic|uiu}uiac i| cau mcghgme ic unm k}|icm|| af {mlmivicg emra|iu|, unm

La{ra{huiac |nh`` cauify unm khcdicg ic|uiu}uiac unhu iu| ic|}{me |uhu}| wi`` um{jichum hu unmm~ri{huiac af unm fi{|u f}`` |mjihcc}h` h||m||jmcu rm{iae fa`àwicg |}ln cauilm# H ficeicg ky unm

Kah{e af Ei{mlua{| unhu h khcdicg ic|uiu}uiac i| cau mcghgme ic unm k}|icm|| af {mlmivicg emra|iu|

|nh`` km lacl`}|ivm# Unm Kah{e af Ei{mlua{| |nh`` r{m|l{ikm unm cauilm ua km givmc ky unm khcdicgic|uiu}uiac af |}ln um{jichuiac hce unm La{ra{huiac jhy r}kì|n cauilm unm{maf# ]rac unm

um{jichuiac af unm ic|}{me |uhu}| af hcy |}ln khcdicg ic|uiu}uiac, iu| emra|iu| |nh`` unm{m}rac

lmh|m ua km ic|}{me hce unm khcdicg ic|uiu}uiac |nh`` unm{mhfum{ km {mìmvme af h`` f}u}{makìghuiac| ua unm La{ra{huiac, icl`}eicg unm akìghuiac ua rhy f}u}{m h||m||jmcu|#

.l) Wnmcmvm{ unm ìhkiìuim| af hc ic|}{me khcd fa{ emra|iu| |nh`` nhvm kmmc h||}jme ky hcaunm{ic|}{me khcd a{ khcd|, unm ic|}{me |uhu}| af unm khcd wna|m ìhkiìuim| h{m |a h||}jme |nh``

um{jichum ac unm ehum af {mlmiru ky unm La{ra{huiac af |hui|fhlua{y mviemclm af |}ln h||}jruiacwiun ìdm mffmlu h| if iu| ic|}{me |uhu}| nhe kmmc um{jichume ac |hie ehum ky unm Kah{e af Ei{mlua{|

hfum{ r{almmeicg| }cem{ |}k|mluiac .h) af uni| |mluiac? R{avieme, Unhu if unm khcd wna|m ìhkiìuim|

h{m |a h||}jme givm| ua iu| emra|iua{| cauilm af |}ln h||}jruiac wiunic uni{uy ehy| hfum{ |}lnh||}jruiac uhdm| mffmlu, ky r}kìlhuiac a{ ky hcy {mh|achk`m jmhc|, ic hlla{ehclm wiun

{mg}`huiac| ua km r{m|l{ikme ky unm Kah{e af Ei{mlua{|, unm ic|}{hclm af iu| emra|iu| |nh``

um{jichum hu unm mce af |i~ jacun| f{aj unm ehum |}ln h||}jruiac uhdm| mffmlu# \}ln khcd |nh`` km

|}komlu ua unm e}uim| hce akìghuiac| af hc ic|}{me khcd fa{ unm rm{iae iu| emra|iu| h{m ic|}{me?R{avieme, f}{unm{, Unhu if unm emra|iu| h{m h||}jme ky h cmw`y ic|}{me khcd, unm khcd wna|m

emra|iu| h{m h||}jme |nh`` cau km {mx}i{me ua rhy hcy h||m||jmcu }rac unm emra|iu| wniln nhvmkmmc |a h||}jme hfum{ unm |mjihcc}h` rm{iae ic wniln unm h||}jruiac uhdm| mffmlu#

\ml# ># Unm La{ra{huiac h| h la{ra{hum kaey |nh`` nhvm unm rawm{ *

Fi{|u# * Ua hearu hce }|m h la{ra{hum |mh`#

\mlace# * Ua nhvm |}llm||iac }cui` ei||a`vme ky hc Hlu af Lacg{m||#

Uni{e# * Ua jhdm lacu{hlu|#

Fa}{un# * Ua |}m hce km |}me, lajr`hic hce emfmce, ic hcy la}{u af `hw ic unm Rniìrricm|# H``|}iu| af h livi` chu}{m ua wniln unm la{ra{huiac |nh`` km h rh{u |nh`` km emmjme ua h{i|m }cem{ unm`hw| af unm Rniìrricm|# Ca huuhlnjmcu a{ m~ml}uiac |nh`` km i||}me hghic|u unm La{ra{huiac a{ iu|

r{arm{uy kmfa{m fich` o}egjmcu ic hcy |}iu, hluiac, a{ r{almmeicg ic hcy la}{u# Unm Kah{e af

Ei{mlua{| |nh`` em|igchum hc hgmcu }rac wnaj |m{vilm af r{alm|| jhy km jhem ic hcy r{aviclma{ liuy a{ o}{i|eiluiac ic wniln hcy ic|}{me khcd i| àlhume#


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Fifun# * Ua hrraicu ky iu| Kah{e af Ei{mlua{| |}ln affilm{| hce mjràymm| h| h{m cau aunm{wi|m

r{avieme fa{ ic uni| Hlu ua emficm unmi{ e}uim|, fi~ unmi{ lajrmc|huiac, {mx}i{m kace| af unmj hce

fi~ rmchùy unm{maf hce ua ei|ji|| |}ln affilm{| hce mjràymm| fa{ lh}|m#

\i~un# * Ua r{m|l{ikm, ky iu| Kah{e af Ei{mlua{|, ky*`hw| cau iclac|i|umcu wiun `hw, {mg}`huicg unm

jhccm{ ic wniln iu| gmcm{h` k}|icm|| jhy km lace}lume, hce unm r{ivi`mgm| g{hcume ua iu ky `hwjhy km m~m{li|me hce mcoayme#

\mvmcun# * Ua m~m{li|m ky iu| Kah{e af Ei{mlua{|, a{ e}`y h}una{izme affilm{| a{ hgmcu|, h`` rawm{||rmlifilh``y g{hcume ky unm r{avi|iac| af uni| Hlu, hce |}ln icliemcuh` rawm{| h| |nh`` km

cmlm||h{y ua lh{{y ac unm rawm{| |a g{hcume#

Mignun# * Ua jhdm m~hjichuiac af hce ua {mx}i{m icfa{jhuiac hce {mra{u| f{aj khcd|, h| r{avieme

ic uni| Hlu#

Cicun# * Ua hlu h| {mlmivm{#

Umcun# * Ua r{m|l{ikm ky iu| Kah{e af Ei{mlua{| |}ln {}`m| hce {mg}`huiac| h| iu jhy emmj

cmlm||h{y ua lh{{y a}u unm r{avi|iac| af uni| Hlu#

\ml# 9# .h) Unm Kah{e af Ei{mlua{| |nh`` hejici|um{ unm hffhi{| af unm La{ra{huiac fhi{`y hce

ijrh{uih``y hce wiuna}u ei|l{ijichuiac# unm La{ra{huiac |nh`` km mcuiu`me ua unm f{mm }|m afRniìrricm jhi`| ic unm |hjm jhccm{ h| unm aunm{ affilm| af unm chuiach` gavm{cjmcu#

.k) Unm Kah{e af Ei{mlua{| |nh`` hrraicu m~hjicm{| wna |nh`` nhvm rawm{, ac kmnh`f af unm

La{ra{huiac ua m~hjicm hcy ic|}{me khcd a{ hcy khcd jhdicg hrrìlhuiac ua kmlajm hc ic|}{me

khcd, wnmcmvm{ ic unm o}egjmcu af unm Kah{e af Ei{mlua{| hc m~hjichuiac af unm khcd i|

cmlm||h{y# Mhln |}ln m~hjicm{ |nh`` nhvm rawm{ ua jhdm h una{a}gn m~hjichuiac af h`` unmhffhi{| af unm khcd hce ic eaicg |a nm |nh`` nhvm rawm{ ua hejici|um{ ahun| hce ua m~hjicm hce

uhdm hce r{m|m{vm unm um|uijacy af hcy af unm affilm{| hce hgmcu| unm{maf, hce |nh`` jhdm h f}``hce emuhi`me {mra{u af unm laceiuiac af unm khcd ua unm La{ra{huiac# Unm Kah{e af Ei{mlua{| ic ìdm

jhccm{ |nh`` hrraicu l`hij hgmcu| wna |nh`` nhvm rawm{ ua icvm|uighum hce m~hjicm h`` l`hij|

fa{ ic|}{me emra|iu| hce u{hc|fm{{me emra|iu|# Mhln l`hij hgmcu |nh`` nhvm rawm{ ua hejici|um{ahun| hce ua m~hjicm }cem{ ahun hce uhdm hce r{m|m{vm unm um|uijacy af hcy rm{|ac {m`huicg ua

|}ln l`hij|#

.l) Mhln ic|}{me khcd |nh`` jhdm ua unm La{ra{huiac {mra{u| af laceiuiac ic |}ln fa{j hce hu

|}ln uijm| h| unm Kah{e af Ei{mlua{| jhy {mx}i{m |}ln {mra{u| ua km r}kì|nme ic |}ln jhccm{,

cau iclac|i|umcu wiun hcy hrrìlhk`m `hw, h| iu jhy ei{mlu# Mvm{y |}ln khcd wniln fhi`| ua jhdma{ r}kì|n hcy |}ln {mra{u wiunic |}ln uijm, cau `m|| unhc fivm ehy|, h| unm Kah{e af Ei{mlua{|

jhy {mx}i{m, |nh`` km |}komlu ua h rmchùy af cau ja{m unhc R822 fa{ mhln ehy af |}ln fhi`}{m

{mlavm{hk`m ky unm La{ra{huiac af iu| }|m#

.e) Unm La{ra{huiac |nh`` nhvm hllm|| ua {mra{u| af m~hjichuiac jhem ky, hce {mra{u| af

laceiuiac jhem ua unm \}rm{icumcemcu af Khcd| a{ unm Gavm{ca{ af unm Lmcu{h` Khcd af unm

Rniìrricm|, hce unm \}rm{icumcemcu af Khcd| a{ unm Gavm{ca{ af unm Lmcu{h` Khcd af unm


9/27

Rniìrricm| |nh`` h`|a nhvm hllm|| ua {mra{u| af m~hjichuiac jhem ac kmnh`f af, hce {mra{u| af

laceiuiac jhem ua unm La{ra{huiac#

.m) Unm jmjkm{| af unm Kah{e af Ei{mlua{| hce unm affilm{| hce mjràymm| af unm La{ra{huiac h{mr{anikiume f{aj {mvmhìcg hcy icfa{jhuiac {m`huicg ua unm laceiuiac a{ k}|icm|| af hcy ic|}{me

khcd hce hcy jmjkm{ af unm Kah{e af Ei{mlua{|, affilm{ a{ mjràymm af unm La{ra{huiac via`huicguni| r{avi|iac |nh`` km nmè ìhk`m fa{ hcy à|| a{ ico}{y |}ffm{me ky unm La{ra{huiac#

\ml# 82# .h) H rm{jhcmcu ic|}{hclm f}ce ic unm hja}cu af R=,222,222 ua km hrr{ar{ihume f{aj unmGmcm{h` F}ce i| nm{mky l{mhume ua km }|me ky unm La{ra{huiac ua lh{{y a}u unm r}{ra|m| af uni|

Hlu? R{avieme, Unhu unm jh~ij}j hja}cu af unm ic|}{me emra|iu af hcy emra|iua{ |nh`` km

R82,222#

.k) Fa{ unm r}{ra|m| af uni| Hlu hc ic|}{me khcd |nh`` km emmjme ua nhvm kmmc là|me ac hlla}cuaf ic|a`vmcly ic hcy lh|m ic wniln iu nh| kmmc là|me fa{ unm r}{ra|m af ìx}iehuiac wiuna}u

hemx}hum r{avi|iac kmicg jhem fa{ rhyjmcu af iu| emra|iua{|#

.l) Wnmcmvm{ hc ic|}{me khcd |nh`` nhvm kmmc là|me ac hlla}cu af ic|a`vmcly, rhyjmcu af unm

ic|}{me emra|iu| ic |}ln khcd |nh`` km jhem ky unm La{ra{huiac h| |aac h| ra||ik`m miunm{ .8) kylh|n a{ .;) ky jhdicg hvhi`hk`m ua mhln emra|iua{ h u{hc|fm{{me emra|iu ic hcaunm{ ic|}{me khcd ic

hc hja}cu mx}h` ua unm ic|}{me emra|iu af |}ln emra|iua{? R{avieme, Unhu unm La{ra{huiac, ic iu|

ei|l{muiac, jhy {mx}i{m r{aaf af l`hij| ua km fi`me kmfa{m rhyicg unm ic|}{me emra|iu, hce unhu ichcy lh|m wnm{m unm La{ra{huiac i| cau |hui|fime h| ua unm vhìeiuy af h l`hij fa{ hc ic|}{me

emra|iu, iu jhy {mx}i{m unm fich` emum{jichuiac af h la}{u af lajrmumcu o}{i|eiluiac kmfa{m rhyicg

|}ln l`hij#

.e) Unm La{ra{huiac, }rac unm rhyjmcu af hcy emra|iua{ h| r{avieme fa{ ic |}k|mluiac .l) af uni|

|mluiac |nh`` km |}k{aghume ua h`` {ignu| af unm emra|iua{ hghic|u unm là|me khcd ua unm m~umcu af|}ln rhyjmcu# \}ln |}k{aghuiac |nh`` icl`}em unm {ignu ac unm rh{u af unm La{ra{huiac ua {mlmivm

unm |hjm eiviemce| f{aj unm r{almme| af unm h||mu| af |}ln là|me khcd hce {mlavm{im| achlla}cu af |ualdnaèm{| ìhkiìuy h| wa}è nhvm kmmc rhyhk`m ua unm emra|iua{ ac h l`hij fa{ unm

ic|}{me emra|iu, k}u |}ln emra|iua{ |nh`` {muhic ni| l`hij fa{ hcy }cic|}{me ra{uiac af ni| emra|iu#

\ml# 88# .h) Rhyjmcu af hc ic|}{me emra|iu ua hcy rm{|ac ky unm La{ra{huiac |nh`` ei|lnh{gm unm

La{ra{huiac, hce rhyjmcu af h u{hc|fm{{me emra|iu ua hcy rm{|ac ky unm cmw khcd a{ ky hcic|}{me khcd ic wniln h u{hc|fm{{me emra|iu nh| kmmc jhem hvhi`hk`m |nh`` ei|lnh{gm unm

La{ra{huiac hce |}ln cmw khcd a{ aunm{ ic|}{me khcd, ua unm |hjm m~umcu unhu rhyjmcu ua |}ln

rm{|ac ky unm là|me khcd wa}è nhvm ei|lnh{gme iu f{aj ìhkiìuy fa{ unm ic|}{me emra|iu#

.k) M~lmru h| aunm{wi|m r{m|l{ikme ky unm Kah{e af Ei{mlua{|, cmiunm{ unm La{ra{huiac ca{ |}lnaunm{ ic|}{me khcd |nh`` km {mx}i{me ua {mlagcizm h| unm awcm{ af hcy ra{uiac af h emra|iu

hrrmh{icg ac unm {mla{e| af unm là|me khcd }cem{ h chjm aunm{ unhc unhu af unm l`hijhcu, hcy

rm{|ac wna|m chjm a{ icum{m|u h| |}ln awcm{ i| cau ei|là|me ac unm {mla{e| af |}ln là|me khcdh| rh{u awcm{ af |hie emra|iu, if |}ln {mlagciuiac wa}è icl{mh|m unm hgg{mghum hja}cu af unm

ic|}{me emra|iu| ic |}ln là|me khcd#


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.l) Unm La{ra{huiac jhy wiunnaè rhyjmcu af |}ln ra{uiac af unm ic|}{me emra|iu af hcy

emra|iua{ ic h là|me khcd h| jhy km {mx}i{me ua r{aviem fa{ unm rhyjmcu af hcy ìhkiìuy af |}ln

emra|iua{ h| h |ualdnaèm{ af unm là|me khcd, a{ af hcy ìhkiìuy af |}ln emra|iua{ ua unm là|mekhcd a{ iu| {mlmivm{, wniln i| cau aff|mu hghic|u unm l`hij e}m f{aj |}ln khcd, rmceicg unm

emum{jichuiac hce rhyjmcu af |}ln ìhkiìuy ky |}ln emra|iua{ a{ hcy aunm{ rm{|ac ìhk`m unm{mfa{#

.e) If, hfum{ unm La{ra{huiac |nh`` nhvm givmc hu `mh|u un{mm jacun| cauilm ua unm emra|iua{ ky

jhiìcg h lary unm{maf ua ni| `h|u*dcawc hee{m|| hrrmh{icg ac unm {mla{e| af unm là|me khcd,hcy emra|iua{ ic unm là|me khcd |nh`` fhi` ua l`hij ni| ic|}{me emra|iu f{aj unm La{ra{huiac

wiunic mignummc jacun| hfum{ unm Jacmuh{y Kah{e af unm Lmcu{h` Khcd af unm Rniìrricm| a{ unm

r{arm{ la}{u |nh`` nhvm a{em{me unm lacvm{|iac af unm h||mu| af |}ln là|me khcd icua jacmy, h``{ignu| af unm emra|iua{ hghic|u unm La{ra{huiac wiun {m|rmlu ua unm ic|}{me emra|iu |nh`` km kh{{me,

hce h`` {ignu| af unm emra|iua{ hghic|u unm là|me khcd hce iu| |nh{mnaèm{| a{ unm {mlmivm{|nir

m|uhum ua wniln unm La{ra{huiac jhy nhvm kmlajm |}k{aghume, |nh`` unm{m}rac {mvm{u ua unmemra|iua{#

\ml# 8;# .h) Jacmy af unm La{ra{huiac cau aunm{wi|m mjràyme |nh`` km icvm|ume ic akìghuiac| afunm [mr}kìl af unm Rniìrricm| a{ ic akìghuiac| g}h{hcumme h| ua r{iclirh` hce icum{m|u ky unm

[mr}k il af unm Rniìrricm|? R{avieme, Unhu unm La{ra{huiac |nh`` cau |m`` a{ r}{lnh|m hcy |}lnakìghuiac| fa{ iu| awc hlla}cu hce ic iu| awc {ignu hce icum{m|u, hu hcy acm uijm hgg{mghuicg ic

m~lm|| af R822,222, wiuna}u unm hrr{avh` af unm Ic|}{hclm Lajji||iacm{? Hce R{avieme, f}{unm{,

Unhu unm Ic|}{hclm Lajji||iacm{ jhy whivm unm {mx}i{mjmcu af ni| hrr{avh` wiun {m|rmlu ua hcyu{hc|hluiac a{ l`h||m| af u{hc|hluiac| |}komlu ua unm r{avi|iac| af uni| |}k|mluiac fa{ unm rm{iae af

uijm hce }cem{ |}ln laceiuiac| h| nm jhy emum{jicm#

.k) Unm khcdicg a{ lnmldicg hlla}cu| af unm La{ra{huiac |nh`` km dmru wiun unm Lmcu{h` Khcd af

unm Rniìrricm|, wiun unm Rniìrricm Chuiach` Khcd, a{ wiun hcy aunm{ khcd em|igchume h|

emra|iuh{y a{ fi|lh` hgmcu af unm Rniìrricm Gavm{cjmcu#

.l) Wnmc unm La{ra{huiac nh| emum{jicme unhu hc ic|}{me khcd i| ic ehcgm{ af là|icg, ic a{em{ ua

r{mvmcu |}ln là|icg, unm La{ra{huiac, ic unm ei|l{muiac af iu| Kah{e af Ei{mlua{| i| h}una{izme ua

jhdm àhc| ua, a{ r}{lnh|m unm h||mu| af, a{ jhdm emra|iu| ic, |}ln ic|}{me khcd, }rac |}ln um{j|hce laceiuiac| h| unm Kah{e af Ei{mlua{| jhy r{m|l{ikm, wnmc ic unm ariciac af unm Kah{e af

Ei{mlua{| unm lacuic}me arm{huiac af |}ln khcd i| m||mcuih` ua r{aviem hemx}hum khcdicg |m{vilm

ic unm lajj}ciuy# \}ln àhc| hce emra|iu| jhy km ic |}ka{eichuiac ua unm {ignu| af emra|iua{|hce aunm{ l{meiua{|#

\ml# 8


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àhc# Hcy |}ln àhc |nh`` km }|me ky unm La{ra{huiac |a`m`y ic lh{{yicg a}u iu| f}cluiac| wiun

{m|rmlu ua |}ln ic|}{hclm#

\ml# 85# H`` caum|, emkmcu}{m|, kace|, a{ |}ln akìghuiac| i||}me ky unm La{ra{huiac |nh`` kmm~mjru f{aj uh~huiac#

\ml# 8=# .h) Unm La{ra{huiac |nh`` hcc}h``y jhdm h {mra{u af iu| arm{huiac| ua unm Lacg{m|| h|

|aac h| r{hluilhk`m hfum{ unm 8|u ehy af Ohc}h{y ic mhln ymh{#

.k) Unm fichclih` u{hc|hluiac| af unm La{ra{huiac |nh`` km h}eiume ky unm Gmcm{h` H}eiuicg Affilm

ic hlla{ehclm wiun unm r{iclir`m| hce r{alme}{m| hrrìlhk`m ua lajjm{lih` la{ra{hum u{hc|hluiac|hce }cem{ |}ln {}`m| hce {mg}`huiac| h| jhy km r{m|l{ikme ky unm H}eiua{ Gmcm{h`# Unm h}eiu

|nh`` km lace}lume hu unm r`hlm a{ r`hlm| wnm{m hlla}cu| af unm La{ra{huiac h{m ca{jh``y dmru#

Unm {mr{m|mcuhuivm| af unm Gmcm{h` H}eiuicg Affilm |nh`` nhvm hllm|| ua h`` kaad|, hlla}cu|,{mla{e|, {mra{u|, fi`m|, hce h`` aunm{ rhrm{|, unicg|, a{ r{arm{uy kmàcgicg ua a{ ic }|m ky unm

La{ra{huiac rm{uhicicg ua iu| fichclih` u{hc|hluiac| hce cmlm||h{y ua fhliìuhum unm h}eiu, hce unmy

|nh`` km hffa{eme f}`` fhliìuim| fa{ vm{ifyicg u{hc|hluiac| wiun unm kh`hclm| a{ |ml}{iuim| nmè kyemra|iuh{im|, fi|lh` hgmcu|, hce l}|uaeihc|# H`` |}ln kaad|, hlla}cu|, {mla{e|, {mra{u|, fi`m|,

rhrm{|, hce r{arm{uy af unm La{ra{huiac |nh`` {mjhic ic ra||m||iac hce l}|uaey af unm

La{ra{huiac#

.l) H {mra{u af unm H}eiu fa{ mhln fi|lh` ymh{ mceicg ac O}cm


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.k) Ca ic|}{me khcd |nh`` rhy hcy eiviemce ac iu| lhriuh` |uald a{ icum{m|u ac iu| lhriuh` caum| a{

emkmcu}{m| .if |}ln icum{m|u i| {mx}i{me ua km rhie ac`y a}u af cmu r{afiu|) a{ ei|u{ik}um hcy af iu|

lhriuh` h||mu| wni`m iu {mjhic| ic emfh}ù ic unm rhyjmcu af hcy h||m||jmcu e}m ua unmLa{ra{huiac4 hce hcy ei{mlua{ a{ affilm{ af hcy ic|}{me khcd wna rh{uilirhum| ic unm eml`h{huiac

a{ rhyjmcu af hcy |}ln eiviemce a{ icum{m|u a{ ic hcy |}ln ei|u{ik}uiac |nh``, }rac lacviluiac, km

ficme cau ja{m unhc R8,222 a{ ijr{i|acme cau ja{m unhc acm ymh{, a{ kaun? R{avieme, Unhu if |}lnemfh}ù i| e}m ua h ei|r}um kmuwmmc unm ic|}{me khcd hce unm La{ra{huiac avm{ unm hja}cu af |}ln

h||m||jmcu, uni| |}k|mluiac |nh`` cau hrr`y, if |}ln khcd |nh`` emra|iu |ml}{iuy |hui|fhlua{y ua unm

La{ra{huiac af rhyjmcu }rac fich` emum{jichuiac af unm i||}m#

.l) Wiuna}u r{ia{ w{iuumc lac|mcu ky unm La{ra{huiac, ca ic|}{me khcd |nh`` .8) jm{gm a{lac|aìehum wiun hcy cacic|}{me khcd a{ ic|uiu}uiac a{ lacvm{u icua h cacic|}{me khcd a{

ic|uiu}uiac a{ .;) h||}jm ìhkiìuy ua rhy hcy emra|iu| jhem ic, a{ |iji`h{ ìhkiìuim| af, hcy

cacic|}{me khcd a{ ic|uiu}uiac a{ .# If hcy r{avi|iac a{ |mluiac af uni| Hlu a{ unm hrrìlhuiac unm{maf ua hcy rm{|ac a{

li{l}j|uhclm| i| nmè icvhìe, unm aunm{ r{avi|iac| a{ |mluiac| af uni| Hlu, ic unm hrrìlhuiac af

|}ln r{avi|iac a{ |mluiac ua aunm{ rm{|ac| a{ li{l}j|uhclm| |nh`` cau km hffmlume unm{mky#

\ml# 89# H`` Hlu| a{ rh{u| af Hlu| hce m~ml}uivm a{em{|, hejici|u{huivm a{em{|, a{ rh{u| unm{mafwniln h{m iclac|i|umcu wiun unm r{avi|iac| af uni| Hlu h{m nm{mky {mrmh`me#

\ml# ;2# Uni| Hlu |nh`` uhdm mffmlu }rac hrr{avh`# Unm Rniìrricm Emra|iu Ic|}{hclm La{ra{huiac

|nh`` lajjmclm k}|icm|| }rac a{ghcizhuiac af unm Kah{e af Ei{mlua{| hce lm{uifilhuiac ky unmU{mh|}{m{ af unm Rniìrricm| unhu unm Rm{jhcmcu Ic|}{hclm F}ce nh| kmmc hrr{ar{ihume#

Hrr{avme? O}cm ;;, 896


13/27

[mr}kìl af unm Rniìrricm|

Lacg{m|| af unm Rniìrricm|

Jmu{a Jhci`h

Uwm`fun Lacg{m||

Uni{e [mg}`h{ \m||iac

Kmg}c hce nmè ic Jmu{a Jhci`h, ac Jacehy, unm uwmcuy*mignun ehy af O}`y, uwa una}|hce un{mm#

[MR]K@IL HLU CA# 9


14/27

+Ca rm{|ac |nh`` km hrraicume h| jmjkm{ af unm Kah{e }c`m|| nm km af gaae ja{h` lnh{hlum{ hce

af }cx}m|uiachk`m icumg{iuy hce {m|rac|iki`iuy, hce wna i| af {mlagcizme lajrmumclm ic

mlacajil|, khcdicg hce fichclm, `hw, jhchgmjmcu hejici|u{huiac a{ ic|}{hclm, hce |nh`` km hu`mh|u uni{uy*fivm .


15/27

+5# Ua hrraicu, m|uhkì|n unm {hcd, fi~ unm {mj}cm{huiac, hrr{avm àlh` hce fa{migc u{hicicg af,

hce {mjavm hcy affilm{ a{ mjràymm af unm La{ra{huiac, fa{ lh}|m, |}komlu ua rm{uicmcu livi`

|m{vilm `hw|? R{avieme, Unhu unm Kah{e af Ei{mlua{| jhy em`mghum uni| h}una{iuy ua unm R{m|iemcu|}komlu ua |rmlifil g}iemìcm|4

+=# Ua hearu hc hcc}h` k}egmu fa{, hce h}una{izm |}ln m~rmceiu}{m| ky unm La{ra{huiac h| h{m icunm icum{m|u af unm mffmluivm hejici|u{huiac hce arm{huiac af unm La{ra{huiac4 hce

+6# Ua hrr{avm unm jmunaeaàgy fa{ emum{jicicg unm `mvm` hce hja}cu af r{avi|iacicg fa{ic|}{hclm hce fichclih` h||i|uhclm à||m|, wniln |nh`` m|uhkì|n {mh|achk`m `mvm`| af emra|iu

ic|}{hclm {m|m{vm|#+

\MLUIAC


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.8!;) unm h||m||jmcu {hum j}ùirìme ky unm h||m||jmcu kh|m k}u ic ca lh|m |nh`` iu km `m|| unhc

Fivm una}|hce rm|a| .R=,222#22)# Unm h||m||jmcu kh|m |nh`` km unm hja}cu af unm ìhkiìuy af unm

khcd fa{ emra|iu| h| emficme }cem{ |}k|mluiac .f) af \ml# 5 wiuna}u hcy eme}luiac fa{icemkumecm|| af emra|iua{|#

+Unm |mji*hcc}h` h||m||jmcu kh|m fa{ acm |mji*hcc}h` rm{iae |nh`` km unm hvm{hgm af unmh||m||jmcu kh|m af unm khcd h| af unm là|m af k}|icm|| ac Jh{ln uni{uy*acm hce O}cm uni{uy hce

unm |mji*hcc}h` h||m||jmcu kh|m fa{ unm aunm{ |mji*hcc}h` rm{iae |nh`` km unm hvm{hgm af unmh||m||jmcu kh|m af unm khcd h| af unm là|m af k}|icm|| ac \mrumjkm{ uni{uy hce Emlmjkm{ uni{uy*

acm? R{avieme, Unhu wnmc hcy af |hie ehy| i| h cac*k}|icm|| ehy a{ `mgh` naìehy, miunm{ chuiach`

a{ r{aviclih`, unm r{mlmeicg k}|icm|| ehy |nh`` km }|me# Unm lm{uifime |uhumjmcu| {mx}i{me ua kmfi`me wiun unm La{ra{huiac }cem{ |}k|mluiac| .k) hce .l) af uni| \ml# |nh`` km ic |}ln fa{j hce |mu

fa{un |}ln |}rra{uicg icfa{jhuiac h| unm Kah{e af Ei{mlua{| |nh`` r{m|l{ikm# Unm h||m||jmcu

rhyjmcu| {mx}i{me f{aj unm ic|}{me khcd| }cem{ |}k|mluiac| .k) hce .l) af uni| \ml# |nh`` kmjhem ic |}ln jhccm{ hce hu |}ln uijm a{ uijm| h| unm Kah{e af Ei{mlua{| |nh`` r{m|l{ikm,

r{avieme unm uijm a{ uijm| |a r{m|l{ikme |nh`` cau km `hum{ unhc |i~uy .62) ehy| hfum{ fiìcg unm

lm{uifime |uhumjmcu |muuicg fa{un unm hja}cu af h||m||jmcu#+

+.e) H`` h||m||jmcu la``mluiac| hce iclajm f{aj arm{huiac| hfum{ m~rmc|m| hce lnh{gm| |nh`` kmheeme ua unm Emra|iu Ic|}{hclm F}ce }cem{ \ml# 8< nm{maf# \}ln m~rmc|m| hce lnh{gm| h{m? .8)

unm arm{huicg la|u| hce m~rmc|m| af unm La{ra{huiac fa{ unm lh`mceh{ ymh{4 .;) heeiuiac| ua {m|m{vm

ua r{aviem fa{ ic|}{hclm hce fichclih` h||i|uhclm à||m|, cmu af {mlavm{hk`m hja}cu| f{ajhrrìlhk`m h||mu| hce la``hum{h`|, e}{icg unm lh`mceh{ ymh{4 hce .


17/27

cmlm||h{y# Unm Kah{e af Ei{mlua{| jhy unm{mhfum{ i||}m h lmh|m hce em|i|u a{em{, hce {mx}i{m unm

khcd a{ iu| ei{mlua{| a{ hgmcu| laclm{cme ua la{{mlu unm r{hluilm| a{ via`huiac| wiunic fa{uy*fivm

.5=) ehy|# Nawmvm{, if unm r{hluilm a{ via`huiac i| ìdm`y ua lh}|m ic|a`vmcly a{ |}k|uhcuihèi||irhuiac af h||mu| a{ mh{cicg| af unm khcd, a{ i| ìdm`y ua |m{ia}|`y wmhdmc unm laceiuiac af unm

khcd a{ aunm{wi|m |m{ia}|`y r{mo}eilm unm icum{m|u| af iu| emra|iua{| hce unm La{ra{huiac, unm

rm{iae ua uhdm la{{mluivm hluiac |nh`` cau km ja{m unhc fifummc .8=) ehy|# Unm a{em{ jhy h`|aicl`}em unm ijra|iuiac af ficm| r{avieme ic \ml# ;8 .f) nm{maf# Unm Kah{e af Ei{mlua{| |nh`` e}`y

icfa{j unm Jacmuh{y Kah{e af unm Khcgda \mcu{h` cg Riìrich| af hluiac iu nh| uhdmc }cem{ uni|

|}k|mluiac wiun {m|rmlu ua |}ln r{hluilm| a{ via`huiac|#+

\MLUIAC ># \ml# >, rh{hg{hrn Mignun af unm |hjm Hlu i| nm{mky hjmceme ua {mhe h| fa`àw|?

+Mignun * Ua lace}lu m~hjichuiac af khcd| wiun r{ia{ hrr{avh` af unm Jacmuh{y Kah{e?

R{avieme, Unhu ca m~hjichuiac lhc km lace}lume wiunic uwm`vm .8;) jacun| f{aj unm `h|u

m~hjichuiac ehum? R{avieme, f}{unm{, Unhu, ua hvaie avm{`hrricg af mffa{u|, unm m~hjichuiac |nh``

jh~ijizm unm mffilimcu }|m af {m`mvhcu {mra{u|, icfa{jhuiac hce ficeicg| af unm Khcgda \mcu{h`

wniln iu |nh`` jhdm hvhi`hk`m ua unm La{ra{huiac? R{avieme, fich``y, Unhu unm Kah{e af Ei{mlua{||nh``, ic là|m laa{eichuiac wiun unm Jacmuh{y Kah{e, r{m|l{ikm |}ln g}iemìcm| h| jhy km

cmlm||h{y ua mc|}{m unhu unm{m h{m ca e}rìlhuiac| af f}cluiac|#+

\MLUIAC 9# \ml# 9 af unm |hjm Hlu i| nm{mky f}{unm{ hjmceme ky heeicg h cmw |}k|mluiac .k*8) hfum{ |}k|mluiac .k), heeicg h cmw |}k|mluiac .e*8) hfum{ |}k|mluiac .e), hjmceicg |}k|mluiac

.m), hce heeicg cmw |}k|mluiac| .f), .g), hce .n), ua {mhe h| fa`àw|?

+.k*8) Unm icvm|uighua{| hrraicume ky unm Kah{e af Ei{mlua{| |nh`` nhvm unm rawm{ ac kmnh`f afunm La{ra{huiac ua lace}lu icvm|uighuiac| ac f{h}e|, i{{mg}`h{iuim| hce hcajhìm| lajjiuume ic

khcd|, kh|me ac {mra{u| af m~hjichuiac lace}lume ky unm La{ra{huiac hce Khcgda \mcu{h` cg

Riìrich| a{ lajr`hicu| f{aj emra|iua{| a{ f{aj aunm{ gavm{cjmcu hgmcly# Mhln |}lnicvm|uighua{ |nh`` nhvm unm rawm{ ua hejici|um{ ahun|, hce ua m~hjicm hce uhdm hce r{m|m{vm unmum|uijacy af hcy rm{|ac {m`huicg ua unm |}komlu af icvm|uighuiac#+

+.e*8) Mhln ic|}{me khcd |nh`` dmmr hce jhicuhic h u{}m hce hll}{hum {mla{e a{ |uhumjmcu af iu|

ehi`y emra|iu u{hc|hluiac| lac|i|umcu wiun unm |uhceh{e| |mu ky unm Khcgda \mcu{h` cg Riìrich|

hce unm La{ra{huiac# Lajrìhclm wiun |}ln |uhceh{e| |nh`` km e}`y lm{uifime ky unm r{m|iemcu afunm khcd a{ unm lajrìhclm affilm{? R{avieme, Unhu {mf}|h` a{ wi``f}` fhi`}{m ua i||}m unm {mx}i{me

lm{uifilhuiac |nh`` lac|uiu}um h via`huiac af uni| \ml# hce |nh`` |}komlu |}ln affilm{| af unm khcd ua

unm |hcluiac| r{avieme fa{ }cem{ \ml# ;8 .f) af uni| Hlu#+

+.m) Rm{|accm` af unm La{ra{huiac h{m nm{mky r{anikiume f{aj?

+.8) kmicg hc affilm{, ei{mlua{, lac|}ùhcu, mjràymm a{ |ualdnaèm{, ei{mlu`y a{ icei{mlu`y, af hcy

khcd a{ khcdicg ic|uiu}uiac m~lmru h| aunm{wi|m r{avieme ic uni| Hlu4

+.;) {mlmivicg hcy gifu a{ unicg af vh`}m f{aj hcy affilm{, ei{mlua{ a{ mjràymm unm{maf4


18/27

+.


19/27

+Ka{{awicg ky h`` f}``*uijm rm{|accm` af unm La{ra{huiac f{aj hcy khcd a{ khcdicg ic|uiu}uiac

|nh`` km |ml}{me hce ei|là|me ua unm Kah{e, hce |nh`` km |}komlu ua |}ln f}{unm{ {}`m| hce

{mg}`huiac| h| unm Kah{e jhy r{m|l{ikm#+

\MLUIAC 82# \ml# 9*H af unm |hjm Hlu i| nm{mky c}jkm{me h| \ml# 82, hce f}{unm{ hjmceme ua

{mhe h| fa`àw|?

+\ml# 82# .h) Unm r{avi|iac| af aunm{ `hw|, gmcm{h` a{ |rmlih`, ua unm lacu{h{y cauwiun|uhceicg,

wnmcmvm{ iu |nh`` km hrr{ar{ihum fa{ unm Jacmuh{y Kah{e af unm Khcgda \mcu{h` cg Riìrich| uahrraicu h {mlmivm{ af hcy khcdicg ic|uiu}uiac r}{|}hcu ua m~i|uicg `hw|, unm Jacmuh{y Kah{e |nh``

givm r{ia{ cauilm hce hrraicu unm La{ra{huiac h| {mlmivm{#

+.k) Unm La{ra{huiac h| {mlmivm{ |nh`` lacu{a`, jhchgm hce hejici|um{ unm hffhi{| af unm là|me

khcd# Mffmluivm ijjmeihum`y }rac uhdmavm{ h| {mlmivm{ af |}ln khcd, unm rawm{|, f}cluiac| hcee}uim|, h| wm`` h| h`` h`àwhclm|, {mj}cm{huiac| hce rm{x}i|ium| af unm ei{mlua{|, affilm{|, hce

|ualdnaèm{| af |}ln khcd h{m |}|rmceme, hce unm {m`mvhcu r{avi|iac| af unm H{uil`m| af

Icla{ra{huiac hce Ky*`hw| af unm là|me khcd h{m ìdmwi|m emmjme |}|rmceme#

+Unm h||mu| af unm là|me khcd }cem{ {mlmivm{|nir |nh`` km emmjme ic l}|uaeih `mgi| ic unm nhce|af unm {mlmivm{# F{aj unm uijm unm là|me khcd i| r`hlme }cem{ |}ln {mlmivm{|nir, iu| h||mu| |nh``

cau km |}komlu ua huuhlnjmcu, gh{ci|njmcu, m~ml}uiac, `mvy a{ hcy aunm{ la}{u r{alm||m|#

Unm{mfa{m, h o}egm, affilm{ af unm la}{u a{ hcy rm{|ac wna |nh`` i||}m, a{em{, r{alm|| a{ lh}|m unmi||}hclm a{ ijr`mjmcuhuiac af unm w{iu af gh{ci|njmcu, `mvy, huuhlnjmcu a{ m~ml}uiac |nh`` km

ìhk`m }cem{ \ml# ;8 nm{maf#

+.l) Ic heeiuiac ua unm rawm{| af h {mlmivm{ r}{|}hcu ua m~i|uicg `hw|, unm La{ra{huiac i|

mjrawm{me ua?

+.8) k{icg |}iu| ua mcfa{lm ìhkiìuim| ua a{ {mlavm{im| af unm là|me khcd4

+.;) hrraicu hce ni{m rm{|ac| a{ mcuiuim| af {mlagcizme lajrmumclm ic khcdicg a{ fichclm h| iu|

emr}uim| hce h||i|uhcu|, ua rm{fa{j |}ln rawm{| hce f}cluiac| af unm La{ra{huiac h| {mlmivm{ a{

ìx}iehua{ af unm là|me khcd4

+.


20/27

+.6) ni{m a{ {muhic r{ivhum la}c|m`| h| jhy km cmlm||h{y4

+.7) ka{{aw a{ akuhic h àhc, a{ ja{ughgm, r`megm a{ mcl}jkm{ hcy h||mu af unm là|me khcd,

wnmc cmlm||h{y ua r{m|m{vm a{ r{mvmcu ei||irhuiac af unm h||mu|, a{ ua {memmj fa{mlà|me h||mu| afunm là|me khcd, a{ ua jicijizm à||m| ua unm emra|iua{| hce l{meiua{|4

+.>) if unm |uir}`hume icum{m|u ac emra|iu| i| }c}|}h``y nign lajrh{me wiun unm r{mvhiìcg

hrrìlhk`m icum{m|u {hum, unm La{ra{huiac h| {mlmivm{ jhy m~m{li|m |}ln rawm{| wniln jhy icl`}em

h {me}luiac af unm icum{m|u {hum ua h {mh|achk`m {hum? R{avieme, Unhu hcy jaeifilhuiac a{ {me}luiac|nh`` hrr`y ac`y ua }crhie icum{m|u4 hce

+.9) m~m{li|m |}ln aunm{ rawm{| h| h{m icnm{mcu hce cmlm||h{y fa{ unm mffmluivm ei|lnh{gm af unm

e}uim| af unm La{ra{huiac h| {mlmivm{#+

+Unm Kah{e af Ei{mlua{| |nh`` hearu |}ln raìlim| hce g}iemìcm| h| jhy km cmlm||h{y fa{ unm

rm{fa{jhclm af unm hkavm rawm{| ky rm{|accm`, emr}uim| hce hgmcu| af unm La{ra{huiac#+

\MLUIAC 88# H cmw |mluiac i| nm{mky ic|m{ume h| \ml# 88 af unm |hjm Hlu ua {mhe h| fa`àw|?

+\ml# 88 Ic h`` lh|m| a{ hluiac| fi`me ky unm La{ra{huiac h| {mlmivm{ fa{ unm {mlavm{y af, a{

icva`vicg hcy h||mu af unm là|me khcd, rhyjmcu af h`` ealdmu hce aunm{ la}{u fmm| |nh`` km

emfm{{me }cui` unm hluiac i| um{jichume wiun fichìuy# Hcy |}ln fmm| |nh`` lac|uiu}um h| h fi{|u ìmcac hcy o}egjmcu ic fhva{ af unm là|me khcd a{ ic lh|m af }cfhva{hk`m o}egjmcu, |}ln fmm| |nh``

km rhie h| hejici|u{huivm m~rmc|m| e}{icg unm ei|u{ik}uiac af unm h||mu| af unm là|me khcd#+

\MLUIAC 8;# \ml# 9*K af unm |hjm Hlu i| nm{mky {mc}jkm{me h| \ml# 8; hce f}{unm{ hjmceme ua

{mhe h| fa`àw|?

+\ML 8;# Kmfa{m hcy ei|u{ik}uiac af unm h||mu| af unm là|me khcd ic hlla{ehclm wiun unm

r{mfm{mclm| m|uhkì|nme ky `hw, unm La{ra{huiac |nh`` rm{iaeilh``y lnh{gm hghic|u |hie h||mu|

{mh|achk`m {mlmivm{|nir m~rmc|m| hce |}komlu ua hrr{avh` ky unm r{arm{ la}{u, {mh|achk`m

ìx}iehuiac m~rmc|m|, iu nh| icl}{{me h| rh{u af unm la|u af {mlmivm{|nir!ìx}iehuiac r{almmeicg|hce la``mlu rhyjmcu unm{mfa{m f{aj hvhi`hk`m h||mu|#

+Hfum{ unm rhyjmcu af h`` ìhkiìuim| hce l`hij| hghic|u unm là|me khcd, unm La{ra{huiac |nh`` rhy

hcy |}{r`}| eiviemce| hu unm `mgh` {hum af icum{m|u f{aj ehum af uhdmavm{ ua ehum af ei|u{ik}uiac, ua

l{meiua{| hce l`hijhcu| af unm là|me khcd ic hlla{ehclm wiun `mgh` r{ia{iuy kmfa{m ei|u{ik}uiac uaunm |nh{mnaèm{| af unm là|me khcd#+

\MLUIAC 8


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+Unm Emra|iu Ic|}{hclm F}ce |nh`` km unm lhriuh` hlla}cu af unm La{ra{huiac hce |nh`` r{iclirh``y

lac|i|u af unm fa`àwicg? .i) unm Rm{jhcmcu Ic|}{hclm F}ce4 .ii) h||m||jmcu la``mluiac|, |}komlu ua

unm lnh{gm| mc}jm{hume ic \ml# 6 .e)4 .iii) {m|m{vm| fa{ ic|}{hclm hce fichclih` h||i|uhclm à||m|4hce .iv) {muhicme mh{cicg|? R{avieme? Unhu unm {m|m{vm| fa{ ic|}{hclm hce fichclih` h||i|uhclm

à||m| hce {muhicme mh{cicg| |nh`` km jhicuhicme hu h {mh|achk`m `mvm` ua mc|}{m lhriuh` hemx}hly?

R{avieme, f}{unm{, Unhu unm La{ra{huiac jhy, wiunic uwa .;) ymh{| f{aj unm rh||hgm af uni| Hlu,hce mvm{y fivm .=) ymh{| unm{mhfum{, lace}lu h |u}ey ac unm cmme ua heo}|u unm hja}cu af unm

Rm{jhcmcu Ic|}{hclm F}ce, ic|}{hclm lavm{, h||m||jmcu {hum hce h||m||jmcu kh|m, hce unm{mhfum{

jhdm unm cmlm||h{y {mlajjmcehuiac ua Lacg{m||# Fa{ uni| r}{ra|m, unm La{ra{huiac jhy ni{m unm|m{vilm| af hlu}h{ih` lac|}ùhcu| ua emum{jicm, hjacg aunm{|, unm hffa{ehkiìuy af h||m||jmcu

{hum|, hch`y|i| hce mvh`}huiac af ic|}{hclm {i|d, hce hevi|hkiìuy af ijra|icg vh{yicg h||m||jmcu

{hum| a{ ic|}{hclm lavm{ af eiffm{mcu khcd lhumga{im|#+

\MLUIAC 8=# \ml# 82 .k) af unm |hjm Hlu i| nm{mky {mrmh`me#

\MLUIAC 86# \ml# 82 .l) af unm |hjm Hlu i| nm{mky {mc}jkm{me h| \ml# 85 hce f}{unm{ hjmceme

ua {mhe h| fa`àw|?

+\ml# 85# Wnmcmvm{ hc ic|}{me khcd |nh`` nhvm kmmc là|me ky unm Jacmuh{y Kah{e r}{|}hcu ua

\ml#


22/27

li{l}`huiac a{, wnmc hrr{ar{ihum, ic h cmw|rhrm{ li{l}`hume ic unm lajj}ciuy a{ lajj}ciuim|

wnm{m unm là|me khcd a{ iu| k{hclnm| h{m àlhume#

+.k) Rhyjmcu af hc ic|}{me emra|iu ua hcy rm{|ac ky unm La{ra{huiac |nh`` ei|lnh{gm unmLa{ra{huiac, hce rhyjmcu af h u{hc|fm{{me emra|iu ua hcy rm{|ac ky unm cmw khcd a{ ky hc

ic|}{me khcd ic wniln h u{hc|fm{{me emra|iu nh| kmmc jhem hvhi`hk`m |nh`` ei|lnh{gm unmLa{ra{huiac hce |}ln cmw khcd a{ aunm{ ic|}{me khcd, ua unm |hjm m~umcu unhu rhyjmcu ua |}ln

rm{|ac ky unm là|me khcd wa}è nhvm ei|lnh{gme iu f{aj ìhkiìuy fa{ unm ic|}{me emra|iu#

+.l) M~lmru h| aunm{wi|m r{m|l{ikme ky unm Kah{e af Ei{mlua{|, cmiunm{ unm La{ra{huiac a{ |}ln

aunm{ ic|}{me khcd |nh`` km {mx}i{me ua {mlagcizm h| unm awcm{ af hcy ra{uiac af h emra|iu

hrrmh{icg ac unm {mla{e| af unm là|me khcd }cem{ h chjm aunm{ unhc unhu af unm l`hijhcu, hcyrm{|ac wna|m chjm a{ icum{m|u h| |}ln awcm{ i| cau ei|là|me ac unm {mla{e| af |}ln là|me khcd

h| rh{u awcm{ af |hie emra|iu, if |}ln {mlagciuiac wa}è icl{mh|m unm hgg{mghum hja}cu af unm

ic|}{me emra|iu| ic |}ln là|me khcd#

+.e) Unm La{ra{huiac jhy wiunnaè rhyjmcu af |}ln ra{uiac af unm ic|}{me emra|iu af hcyemra|iua{ ic h là|me khcd h| jhy km {mx}i{me ua r{aviem fa{ unm rhyjmcu af hcy ìhkiìuy af |}ln

emra|iua{ h| h |ualdnaèm{ af unm là|me khcd, a{ af hcy ìhkiìuy af |}ln emra|iua{ ua unm là|me

khcd a{ iu| {mlmivm{, wniln i| cau aff|mu hghic|u h l`hij e}m f{aj |}ln khcd, rmceicg unm

emum{jichuiac hce rhyjmcu af |}ln ìhkiìuy ky |}ln emra|iua{ a{ hcy aunm{ ìhk`m unm{mfa{#

+.m) ]c`m|| aunm{wi|m whivme ky unm La{ra{huiac, if unm emra|iua{ ic unm là|me khcd |nh`` fhi` ua

l`hij ni| ic|}{me emra|iu| wiun unm La{ra{huiac wiunic uwa .;) ymh{| f{aj hlu}h` uhdmavm{ af unm

là|me khcd ky unm {mlmivm{, a{ eam| cau mcfa{lm ni| l`hij fi`me wiun unm la{ra{huiac wiunic uwa.;) ymh{| hfum{ unm uwa*ymh{ rm{iae ua fi`m h l`hij h| jmcuiacme nm{michkavm, h`` {ignu| af unm

emra|iua{ hghic|u unm La{ra{huiac wiun {m|rmlu ua unm ic|}{me emra|iu |nh`` km kh{{me4 nawmvm{, h``

{ignu| af unm emra|iua{ hghic|u unm là|me khcd hce iu| |nh{mnaèm{| a{ unm {mlmivm{|nir m|uhum uawniln unm La{ra{huiac jhy nhvm kmlajm |}k{aghume, |nh`` unm{m}rac {mvm{u ua unm emra|iua{#Unm{mhfum{, unm La{ra{huiac |nh`` km ei|lnh{gme f{aj hcy ìhkiìuy ac unm ic|}{me emra|iu#+

\MLUIAC 89# \ml# 8; af unm |hjm Hlu i| {m*c}jkm{me h| \ml# 87 hce unm `h|u rh{hg{hrn .l)

nm{maf i| nm{mky f}{unm{ hjmceme ua {mhe h| fa`àw|?

+.l) Wnmc unm La{ra{huiac nh| emum{jicme unhu hc ic|}{me khcd i| ic ehcgm{ af là|icg, ic a{em{ua r{mvmcu |}ln là|icg, unm La{ra{huiac, ic unm ei|l{muiac af iu| Kah{e af Ei{mlua{|, i| h}una{izme

ua jhdm àhc| ua, a{ r}{lnh|m unm h||mu| af, a{ h||}jm ìhkiìuim| af, a{ jhdm emra|iu| ic, |}ln

ic|}{me khcd, }rac |}ln um{j| hce laceiuiac h| unm Kah{e af Ei{mlua{| jhy r{m|l{ikm, wnmc ic

unm ariciac af unm Kah{e af Ei{mlua{|, unm lacuic}me arm{huiac af |}ln khcd i| m||mcuih` uar{aviem hemx}hum khcdicg |m{vilm ic unm lajj}ciuy a{ jhicuhic fichclih` |uhkiìuy ic unm

mlacajy#

+Unm h}una{iuy af unm La{ra{huiac }cem{ unm fa{mgaicg rh{hg{hrn ua m~umce fichclih` h||i|uhclmua, h||}jm ìhkiìuim| af, r}{lnh|m unm h||mu| af hc ic|}{me khcd jhy h`|a km m~m{li|me ic unm lh|m

af h là|me ic|}{me khcd if unm La{ra{huiac fice| unhu unm {m|}jruiac af arm{huiac| af |}ln khcd

i| viuh` ua unm icum{m|u| af unm lajj}ciuy, a{ h |mvm{m fichclih` lìjhum m~i|u| wniln un{mhumc| unm


23/27

|uhkiìuy af h c}jkm{ af khcd| ra||m||icg |igcifilhcu {m|a}{lm|? R{avieme, Unhu unm {marmcicg hce

{m|}jruiac af arm{huiac| af unm là|me khcd |nh`` km |}komlu ua unm r{ia{ hrr{avh` af unm

Jacmuh{y Kah{e#

+Unm La{ra{huiac jhy r{aviem hcy la{ra{huiac hlx}i{icg lacu{a` af, jm{gicg a{ lac|aìehuicg

wiun a{ hlx}i{icg unm h||mu| af hc ic|}{me khcd ic ehcgm{ af là|icg ic a{em{ ua r{mvmcu |}lnlà|icg a{ af h là|me ic|}{me khcd ic a{em{ ua {m|ua{m ua ca{jh` arm{huiac|, wiun |}ln fichclih`

h||i|uhclm h| iu la}è r{aviem hc ic|}{me khcd }cem{ uni| |}k|mluiac? R{avieme, Unhu, wiunic |i~uy.62) ehy| f{aj ehum af h||i|uhclm unm La{ra{huiac |nh`` |}kjiu h {mra{u unm{maf ua unm Jacmuh{y

Kah{e#

+Unm La{ra{huiac, r{ia{ ua unm m~m{li|m af unm rawm{| }cem{ uni| \ml# , |nh`` emum{jicm unhu hlu}h`rhyaff hce ìx}iehuiac unm{maf wi`` km ja{m m~rmc|ivm unhc unm m~m{li|m af uni| rawm{? R{avieme,

Unhu wnmc unm Jacmuh{y Kah{e nh| emum{jicme unhu unm{m h{m |y|umjil lac|mx}mclm| af h

r{akhk`m fhi`}{m a{ là|}{m af hc ic|}{me khcd, unm La{ra{huiac jhy g{hcu fichclih` h||i|uhclm ua

|}ln ic|}{me khcd ic |}ln hja}cu h| jhy km cmlm||h{y ua r{mvmcu iu| fhi`}{m a{ là|}{m hce!a{

{m|ua{m unm ic|}{me khcd ua vihk`m arm{huiac|, }cem{ |}ln um{j| hce laceiuiac| h| jhy km emmjmecmlm||h{y ky unm Kah{e af Ei{mlua{|, |}komlu ua lacl}{{mclm ky unm Jacmuh{y Kah{e hce wiuna}u

heeiuiach` la|u ua unm Emra|iu Ic|}{hclm F}ce#

+H |y|umjil {i|d {mfm{| ua unm ra||ikiìuy unhu fhi`}{m af acm khcd ua |muu`m cmu u{hc|hluiac| wiunaunm{ khcd| wi`` u{iggm{ h lnhic {mhluiac, emr{ivicg aunm{ khcd| af f}ce| `mheicg ua h gmcm{h`

|n}ueawc af ca{jh` l`mh{icg hce |muu`mjmcu hluiviuy# \y|umjil {i|d h`|a jmhc| unm ìdmìnaae af h

|}eemc, }cm~rmlume la``hr|m af lacfiemclm ic h |igcifilhcu ra{uiac af unm khcdicg a{ fichclih`|y|umj wiun raumcuih``y `h{gm {mh` mlacajil mffmlu|# Fich``y, unm La{ra{huiac jhy cau }|m iu|

h}una{iuy }cem{ uni| |}k|mluiac ua r}{lnh|m unm vauicg a{ lajjac |uald af hc ic|}{me khcd k}u iu

lhc mcum{ icua hce mcfa{lm hg{mmjmcu| unhu iu emum{jicm| ua km cmlm||h{y ua r{aumlu iu| fichclih`

icum{m|u|? R{avieme, Unhu unm fichclih` h||i|uhclm jhy uhdm unm fa{j af mx}iuy a{ x}h|i*mx}iuy afunm ic|}{me khcd h| jhy km emmjme cmlm||h{y ky unm Kah{e af Ei{mlua{| wiun lacl}{{mclm ky unm

Jacmuh{y Kah{e? R{avieme, f}{unm{, Unhu unm La{ra{huiac |nh`` ei|ra|m af |}ln mx}iuy h| |aac h|r{hluilhk`m#+

\MLUIAC ;2# \ml# 8< af unm |hjm Hlu i| {m*c}jkm{me h| \ml# 8>, hce i| nm{mky hjmceme ua {mhe

h| fa`àw|?

+\ml# 8># Unm La{ra{huiac i| h}una{izme ua ka{{aw f{aj unm Khcgda \mcu{h` cg Riìrich| hce unm

Khcgda \mcu{h` i| h}una{izme ua `mce unm La{ra{huiac ac |}ln um{j| h| jhy km hg{mme }rac kyunm La{ra{huiac hce unm Khcgda \mcu{h`, |}ln f}ce| h| ic unm o}egjmcu af unm Kah{e af Ei{mlua{|

af unm La{ra{huiac h{m f{aj uijm ua uijm {mx}i{me fa{ ic|}{hclm r}{ra|m| hce fichclih` h||i|uhclm

r{avieme fa{ ic \ml# 87.l) af uni| Hlu? R{avieme, Unhu hcy |}ln àhc h| jhy km g{hcume ky unmKhcgda \mcu{h` |nh`` km lac|i|umcu wiun jacmuh{y raìly? R{avieme, f}{unm{, Unhu unm {hum af

icum{m|u unm{mac |nh`` km fi~me ky unm Jacmuh{y Kah{e k}u |nh`` cau m~lmme unm u{mh|}{y ki`` {hum#

+Wnmc ic unm o}egjmcu af unm Kah{e af Ei{mlua{| unm f}ce| af unm La{ra{huiac h{m cau |}ffilimcu

ua r{aviem fa{ hc mjm{gmcly a{ }{gmcu cmme ua huuhic unm r}{ra|m| af uni| Hlu, unm La{ra{huiac i|ìdmwi|m h}una{izme ua ka{{aw jacmy, akuhic àhc| a{ h{{hcgm l{meiu ìcm| a{ aunm{ l{meiu


24/27

hllajjaehuiac| f{aj hcy khcd em|igchume h| emra|iua{y a{ fi|lh` hgmcu af unm Rniìrricm

Gavm{cjmcu? R{avieme, Unhu |}ln àhc |nh`` km af |na{u*um{j e}{huiac#+

\MLUIAC ;8# \ml# 85 af unm |hjm Hlu i| {m*c}jkm{me h| \ml# 89 hce i| nm{mky hjmceme ua {mheh| fa`àw|?

+\ml# 89# Wiun unm hrr{avh` af unm R{m|iemcu af unm Rniìrricm|, unm La{ra{huiac i| h}una{izme ua

i||}m kace|, emkmcu}{m|, hce aunm{ akìghuiac| h| jhy km cmlm||h{y fa{ r}{ra|m| af |muu`mjmcu af

ic|}{me emra|iu| ic là|me khcd| h| wm`` h| fa{ fichclih` h||i|uhclm h| r{avieme nm{mic? R{avieme,Unhu unm Kah{e af Ei{mlua{| |nh`` emum{jicm unm icum{m|u {hum|, jhu}{iuy hce aunm{ {mx}i{mjmcu| af

|hie akìghuiac|? R{avieme, f}{unm{, Unhu unm La{ra{huiac |nh`` r{aviem fa{ hrr{ar{ihum {m|m{vm|

fa{ unm {memjruiac a{ {mui{mjmcu af |hie akìghuiac#

\MLUIAC ;;# \ml# 8= af unm |hjm Hlu i| {m*c}jkm{me h| \ml# ;2 hce i| nm{mky hjmceme ua {mheh| fa`àw|?

+\ml# ;2# .h) Unm La{ra{huiac |nh`` hcc}h``y jhdm h {mra{u af iu| arm{huiac| ua unm Lacg{m|| h||aac h| r{hluilhk`m hfum{ unm 8|u ehy af Ohc}h{y ic mhln ymh{#

+.k) Unm fichclih` u{hc|hluiac| af unm La{ra{huiac |nh`` km h}eiume ky unm Lajji||iac ac H}eiuic hlla{ehclm wiun unm r{iclir`m| hce r{alme}{m| hrrìlhk`m ua lajjm{lih` la{ra{hum u{hc|hluiac|

hce }cem{ |}ln {}`m| hce {mg}`huiac| h| jhy km r{m|l{ikme ky unm Lajji||iac ac H}eiu# Unm

h}eiu |nh`` km lace}lume hu unm r`hlm a{ r`hlm| wnm{m hlla}cu| af unm La{ra{huiac h{m ca{jh``y

dmru# M~lmru h| ua jhuum{| {m`huicg ua unm f}cluiac af unm La{ra{huiac h| {mlmivm{ wniln |nh`` km|}komlu ua vi|iua{ih` h}eiu ac`y, unm {mr{m|mcuhuivm| af unm Lajji||iac ac H}eiu |nh`` nhvm hllm||

ua h`` kaad|, hlla}cu|, {mla{e|, {mra{u|, fi`m| hce h`` aunm{ rhrm{|, unicg|, a{ r{arm{uy kmàcgicg ua

a{ ic }|m ky unm La{ra{huiac rm{uhicicg ua iu| fichclih` u{hc|hluiac| hce cmlm||h{y ua fhliìuhum unm

h}eiu, hce unmy |nh`` km hffa{eme f}`` fhliìuim| fa{ vm{ifyicg u{hc|hluiac| wiun unm kh`hclm| a{|ml}{iuim| nmè ky emra|iua{im|, fi|lh` hgmcu|, hce l}|uaeihc|# H`` |}ln kaad|, hlla}cu|, {mla{e|,

{mra{u|, fi`m|, rhrm{|, hce r{arm{uy af unm La{ra{huiac |nh`` {mjhic ic ra||m||iac hce l}|uaey afunm La{ra{huiac#+

\MLUIAC ;


25/27

La{ra{huiac avm{ unm hja}cu af |}ln h||m||jmcu, uni| |}k|mluiac |nh`` cau hrr`y if |}ln khcd

|nh`` emra|iu |ml}{iuy |hui|fhlua{y ua unm La{ra{huiac fa{ rhyjmcu }rac fich` emum{jichuiac af unm

i||}m#+

+.f) Unm rmchùy af r{i|iac jhya{ a{ h ficm af cau `m|| unhc Fifuy una}|hce rm|a| .R=2,222#22) k}u

cau ja{m unhc Uwa ji`ìac rm|a| .R;,222,222#22), a{ kaun, hu unm ei|l{muiac af unm la}{u, |nh`` kmijra|me }rac hcy ei{mlua{, affilm{, mjràymm a{ hgmcu af h khcd?

+8) fa{ hcy wi``f}` {mf}|h` ua |}kjiu {mra{u| h| {mx}i{me ky `hw, {}`m| hce {mg}`huiac|4

+;) hcy }co}|uifime {mf}|h` ua rm{jiu m~hjichuiac hce h}eiu af unm emra|iu {mla{e| a{ unm hffhi{| afunm ic|uiu}uiac4

+


26/27

a{ {mg}`huiac i||}me ky unm La{ra{huiac, hghic|u h khcd hce!a{ hcy af iu| ei{mlua{|, affilm{| a{

hgmcu| {m|rac|ik`m fa{ |}ln hlu, aji||iac, a{ via`huiac, ic hja}cu| h| iu jhy km emum{jicme ua km

hrr{ar{ihum, k}u ic ca lh|m ua m~lmme un{mm uijm| unm hja}cu af unm ehjhgm| a{ la|u| lh}|me kyunm u{hc|hluiac fa{ mhln ehy unhu unm via`huiac |}k|i|u|, uhdicg icua lac|iem{huiac unm huumcehcu

li{l}j|uhclm|, |}ln h| unm chu}{m hce g{hviuy af unm via`huiac a{ i{{mg}`h{iuy hce unm |izm af unm

khcd#+

\MLUIAC ;5# H cmw \ml# ;; i| nm{mky ic|m{ume, ua {mhe h| fa`àw|?

+\ml# ;;# Ca la}{u, m~lmru unm La}{u af Hrrmh`|, |nh`` i||}m hcy umjra{h{y {m|u{hicicg a{em{,

r{mìjich{y ico}cluiac a{ r{mìjich{y jhcehua{y ico}cluiac hghic|u unm La{ra{huiac fa{ hcy

hluiac }cem{ uni| Hlu#

+Uni| r{anikiuiac |nh`` hrr`y ic h`` lh|m|, ei|r}um| a{ lacu{avm{|im| ic|uiu}ume ky h r{ivhum rh{uy,unm ic|}{me khcd, a{ hcy |nh{mnaèm{ af unm ic|}{me khcd#

+Unm \}r{mjm La}{u jhy i||}m h {m|u{hicicg a{em{ a{ ico}cluiac wnmc unm jhuum{ i| af m~u{mjm}{gmcly icva`vicg h lac|uiu}uiach` i||}m, |}ln unhu }c`m|| h umjra{h{y {m|u{hicicg a{em{ i| i||}me,

g{hvm ico}|uilm hce i{{mrh{hk`m ico}{y wi`` h{i|m# Unm rh{uy hrr`yicg fa{ unm i||}hclm af h{m|u{hicicg a{em{ a{ ico}cluiac |nh`` fi`m h kace ic hc hja}cu ua km fi~me ky unm \}r{mjm La}{u,

wniln kace |nh`` hll{}m ic fhva{ af unm La{ra{huiac if unm la}{u |na}è fich``y emliem unhu unm

hrrìlhcu wh| cau mcuiu`me ua unm {mìmf |a}gnu#

+Hcy {m|u{hicicg a{em{ a{ ico}cluiac i||}me ic via`huiac af uni| \ml# i| vaie hce af ca fa{lm hcemffmlu hce hcy o}egm wna nh| i||}me unm |hjm |nh`` |}ffm{ unm rmchùy af |}|rmc|iac af hu `mh|u

|i~uy .62) ehy| wiuna}u rhy#+

\ml# ;< Unm La{ra{huiac jhy km {ma{ghcizme ky unm Kah{e af Ei{mlua{| ky hearuicg if iu |aem|i{m|, hc mcui{m`y cmw |uhfficg rhuum{c a{ a{ghcizhuiach` |u{}lu}{m ua |}iu unm arm{huiac| af unmLa{ra{huiac }cem{ uni| Hlu# Ca r{mfm{mcuih` a{ r{ia{iuy {ignu |nh`` km givmc ua a{ mcoayme ky hcy

rm{|accm` fa{ hrraicujmcu ua hcy ra|iuiac ic unm cmw |uhfficg rhuum{c ca{ |nh`` hcy rm{|accm` km

lac|iem{me h| nhvicg r{ia{ a{ vm|ume {ignu| wiun {m|rmlu ua {mumcuiac ic unm La{ra{huiac a{ ic hcyaunm{ ra|iuiac wniln jhy km l{mhume ic unm cmw |uhfficg rhuum{c, mvmc if nm |na}è km unm

icl}jkmcu af h |iji`h{ ra|iuiac r{ia{ ua {ma{ghcizhuiac# Unm {ma{ghcizhuiac |nh`` km lajr`mume

wiunic |i~ .6) jacun| hfum{ unm mffmluiviuy af uni| Hlu# Rm{|accm` wna h{m cau {muhicme h{m emmjme|mrh{hume f{aj unm |m{vilm#

\ml# ;5# Unm Kah{e af Ei{mlua{| i| nm{mky h}una{izme ua r{aviem |mrh{huiac iclmcuivm|, hce h``

una|m wna |nh`` {mui{m a{ km |mrh{hume f{aj unm |m{vilm ac hlla}cu af {ma{ghcizhuiac }cem{ unmr{mlmeicg |mluiac |nh`` km mcuiu`me ua |}ln iclmcuivm| wniln |nh`` km ic heeiuiac ua h`` g{hu}iuim|hce kmcmfiu| ua wniln unmy jhy km mcuiu`me }cem{ m~i|uicg `hw|#

\MLUIAC ;=# Unm wa{e| +Lmcu{h` Khcd+ hce unm +Lmcu{h` Khcd af unm Rniìrricm|+ wnm{mvm{

unmy hrrmh{ ic [mr}kìl Hlu Ca#


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\MLUIAC ;6# \mrh{hkiìuy L`h}|m# * If hcy r{avi|iac a{ |mluiac af uni| Hlu a{ unm hrrìlhuiac

unm{maf ua hcy rm{|ac a{ li{l}j|uhclm| i| nmè icvhìe, unm aunm{ r{avi|iac| a{ |mluiac| af uni|

Hlu, ic unm hrrìlhuiac af |}ln r{avi|iac a{ |mluiac ua aunm{ rm{|ac| a{ li{l}j|uhclm|, |nh`` cau kmhffmlume unm{mky#

\MLUIAC ;7# [mrmhìcg L`h}|m# * H`` hlu| a{ rh{u| af hlu| hce m~ml}uivm a{em{|, hejici|u{huivma{em{|, a{ rh{u| unm{maf wniln h{m iclac|i|umcu wiun unm r{avi|iac| af uni| Hlu h{m nm{mky

{mrmh`me#

\MLUIAC ;># Mffmluiviuy L`h}|m# * Uni| Hlu |nh`` uhdm mffmlu fifummc .8=) ehy| fa`àwicg unm

lajr`muiac af iu| r}kìlhuiac ic unm Affilih` Ghzmuum a{ ic uwa .;) cmw|rhrm{| af gmcm{h`

li{l}`huiac#

Hrr{avme?

F[HCD@IC E[I@AC

R{m|iemcu af unm \mchumOA\M EM VMCMLIH O[#

\rmhdm{ af unm Na}|m af

[mr{m|mcuhuivm|

Uni| Hlu wniln i| h lac|aìehuiac af \mchum Ki`` Ca# ;7

ra 9302 & 3591 - "charter of the philippine deposit insurance corporation" and for other purposes

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