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1' ks¾jpkh yd w¾: ksremkh

1'1' ks¾jpk

".sKqu" hkafkka" Tfí kñka wm nexl=fõ mj;sk ^hï w;=re .sKqula we;=¿j& hï

nexl= .sKqula woyia fõ'

"n,mdk kshuh" hkafkka wmeyeÈ,s" mriamr úfrdaë" idjoH" wiïmQ¾K" n, úrys;

fyda wod< hï ks;shla ksfhda.hla fyda hï wêldrhl wjirhla W,a,x>kh úh yels

wm is;k hï kshuhla woyia fõ'

"wkqnoaO" hkafkka" iud.ula iïnkaOfhka"

^w& tys fjk;a hï md,s; iud.ula"

^wd& tys fjk;a hï md,l iud.ula" fyda

^we& ta md,l iud.fï fjk;a hï ´kEu md,s; iud.ula"

m%Odk ld¾hd,h we;=¨j by; i|yka YdLd woyia fõ'

".súiqu" hkafkka" fuu iïu; kshuhka" wod< m%dfoaYSh w;sf¾l" wod< fiajd

w;sf¾l iy md¾YAjhka w;r tlÕ;djhla we;s lr.kakd ,o fjk;a hï kshuhka

iy fldkafoais woyia fõ'

"b,a¨ïm;% wdlD;sh" hkafkka" ^w;sf¾l b,a¨ïm;% wdlD;shla we;=¿j& lsishï

fiajdjla i|yd wm fj; Tng b,a¨ï l< yels jkakd jQ wm úiska imhk fyda Tng

,nd.; yels b,a¨ï m;% wdlD;shla woyia fõ'

"n,h,;a ;eke;a;d" hkafkka" Tn fjkqfjka l%shd lsÍug ksfhda. lrñka n,h ork

f,i ,sÅ;j Tn úiska kï lrk ,o hï ;eke;a;l= woyia fõ'

"wêldßh" hkafkka" wm fyda nexl= idudðlhl= iïnkaOfhka wêlrK n,h iys;

hï rchla" w¾O rdcHhla" mßmd,k kshduk fyda wëlaIK uKav,hla fyda

wêldßhla" wêlrKhl fyda úksYaph wêldßhla woyia fõ'

"nexl= Èkh" hkafkka" fiajd ia:dkj, § idudkH nexl= lghq;= i|yd nexl= újD;j

;nk Èkh woyia fõ'

"nexl= idudcslhd" hkafkka" iagEkav¾â pdg¾â mSt,aiS iud.u fyda thg wkqnoaO

´kEu wdh;khla woyia fõ'

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"kd,sld" hkafkka" fiajdjkaj,g m%fõYùug iy tajd Ndú; lsÍug Tng yelshdj

,nd§u msKsi wm úiska msysgqjk ,o ^wka;¾cd," ÿrl:k" SWIFT mKsvqv" cx.u

Wmdx." *elaia iy úoHq;a ;eme,a we;=¿j& hï moaO;shla" udOH fyda kd,sldjka woyia

fõ'

"fiajdodhl lKavdhï idudðl" hkafkka" Tn fyda Tnf.a wkqnoaê;hka lsisfjl=

woyia fõ'

"fiajdodhl y÷kd.ekSu" hkafkka" Tn fj; fjkal< fyda Tn úiska f;dard.;a

wdfõksl y÷kd.ekSfï l%uhla {uqrmohla ^password&" ryiH wxlhla (PIN)" mqoa.,

y÷kd.ekSfï fyda bf,lafg%dksl h;=rla wdldrfha iïñY%Khla& woyia fõ'

"fiajdodhl moaO;s" hkafkka" f;dr;=re lsisjla iïfm%aIKh lsÍug fyda ,nd.ekSug

Tn úiska imhd.;a iy Ndú;d lrk ,o lsishï ikaksfõok ud¾.hla" fudvï

iïnkaO;djhla fyda fjk;a myiqlï" uDÿldx." oDvdx." cx.u Wmdx. fyda WmlrK

woyia fõ'

"md,kh" hkafkka" hï ;eke;af;l= ^iDcqj fyda jl%j hk foflka tla wka;hlg

iy ke;fyd;a fldgia m%d.aOkfhka" Pkao n,fhka .súiqulska fyda wkHdldrhlska&

;j;a mqoa.,hl=f.a md,k uKav,fha nyq;r idudðlhka m;alsÍug fyda bj;alsÍug

n,h we;s fyda wkHdldrfhka md,kh lsÍug yels fyda wfkla mqoa.,hdf.a jHdmdr

lghq;= iy m%;sm;a;s md,kh lsÍug n,h we;s úg wfkla mqoa.,hd m<jk

mqoa.,hdf.a md,khg k;=jk f,i ie,fla'

"m%dfoaYSh w;sf¾lh" hkafkka" fiajd ia:dkhla i|yd jk tla tla m%dfoaYSh

w;sf¾lhka woyia fõ'

"äðg,a iy;sl" hkafkka" bf,lafg%dksl mKsúv ;yjqre lsÍug" y÷kd.ekSug fyda

iqrlaIs; lsÍug Ndú;d lrk bf,lafg%dksl Wmdx.hla woyia fõ'

"bf,lafg%dksl h;=re" hkafkka" iaud¾Ü ldâ" wdrlaIs; i,l=Kq" bf,lafg%dksl

h;=re fyda ta yd iudk i;Hdmkh lsÍfï fyda ;yjqre lsÍfï fN!;sl Wml%u woyia

fõ'

"wkqmd;sl n,mEu" hkafkka"

^w& .xj;=r" l=Kdgq" N+ñlïmd fyda fjk;a iajNdúl wdmod wjia:d"

^wd& hqoaO" igka" ;%ia;jdoh" úma,j" ler,s" fyda isú,a l,flda,y,"

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^we& j¾ck" fiajfhka msgux lsÍu fyda fjk;a ld¾ñl l%shdud¾."

^wE& hï kS;shla fjkiaùu fyda hï kS;shl w¾:l:kh fyda n,d;aulNdjh

fjkiaùu"

^b& hï wêldßhl l%shdjka fyda ksfhda.hka"

^B& hï wêlrKhl fyda fjk;a wêlrK uKav,hl ksfhda.hla"

^W& úfoaY úksuh nerlsÍï fyda udre lsÍu u; mj;sk iSud lsÍu iy wdikak

iSud lsÍï"

^W!& mß.Kl moaO;sh ksis f,i l%shd fkdlsÍu fyda wekysàu fyda mß.Kl

moaO;shg hï ;=kajk md¾Yajhlska isÿjk ndOd"

^t& ;=kajk md¾Yajhla úiska Tng fyda wmg imhk ,o hï NdKavhl fyda

fiajdjl fodaI" ì| jeàï" ndOd lsßï" m%udoùï fyda ,nd .; fkdyels nj"

fyda

^ta& wmf.a nqoaê f.dapr md,kh blaujd hk fjk;a wjia:dfjdaÑ; lreKq'

"md,l iud.u" hkafkka" iud.ulg wod<j hï iud.ula fjk;a iud.ul md,s;

iud.ula jkafka kï" ta fjk;a iud.u ta uq,ska lS iud.fï md,l iud.u hkafkka

woyia fõ'

"nqqkaj;aNdjh ms<sn| kS;s ld;Hh" hkafkka"

^w& f.ùï" Kh.e;snfõ ú,ïNk ld,h" .Kka fírd jid oeóu" úiqrejd yeÍu"

mßmd,kh iy ^Kh f.úh yels wEjrlsÍula fyda m%;sixúOdkhla yer&

m%;sixúOdkhla fyda Khlrejka iuÕ iïuq;shla fyda tlÕúula w;aysgqùug"

^wd& Tn fjkqfjka fyda Tnf.a hï j;alula iïnkaOfhka ^Kh f.úh yels

wEjrlsÍula iïnkaOfhka yer& wEjrlrefjl=" m%;s.%dylfhl= mßmd,lhl=

fyda iudk ks,Orfhl= m;a lsÍug"

^we& Tnf.a j;alï lsisjlg n,mdk fyda Tnf.a j;alï u; hï iqrlaIs;Ndjh

ms<sn| n,d;aul jk ysñlu mjrd .ekSug" we|d .ekSug" ;ykï lsÍug"

mß.%yKh lsÍug fyda weialSis lsÍug" fyda

^wE& lsishï ioDYH l%shdud¾.hlg fyda lsishï wêlrK l%shd ud¾.hlg hg;aùug

wod< ixia:dms; l%shdud¾.hla" kS;suh l%shdud¾.hla fyda fjk;a mshjrla woyia fõ'

"kshuhka" hkafkka" lsishï .sKqul .kqfokq fyda fiajd iïnkaOfhka

^w& kshuhka l%shdjg kexúug wmg wjYH lrk f;dr;=re we;=<;a jk"

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^wd& wm úiska .súi.;a ´kEu ud¾.hla yryd wmg ,efnk" iy

^we& ioaNdjfhka n,h,;a ;eke;af;l= úiska ,nd § we;s njg fyda wm úiska

ksYaÑ;j i|yka l< yels mßÈ hï mÍlaId fyda ;yjqre lsßï iuÕ

iïfm%aIKh lr we;s njg wm úiska úYajdi lrk"

hï .sKqulg" .kqfokqjlg fyda fiajdjlg wod< kshuhka wdo¾Yjk w;r" "kshu

lsÍu hkakg" wkqrEmS w¾:h u ;sìh hq;= h'

"nqoaêuh foam, whs;sjdislï" hkafkka" hï fidhd .ekSula" fmagkaÜ n,m;%hla"

ks¾udK fyda Wmfhda.S;d ksrEmK whs;sjdislï" ,dxPk" l¾;D ysñlu" fj<| i,l=Kq"

fiajd ,dxPk o;a; iuqÉph ms<sn| whs;sjdislï" N+,laIK is;shïj, whs;sjdislu"

jdKsc fyda ryis.; f;dr;=re" oekqï yelshdj fyda wf,ú ryia iy iudk

iajdNdjhl fyda ,shdmÈxÑ ù we;s fyda ,shdmÈxÑ ù fkdue;s foam, iy tajdg wod<

jk whs;sjdislï we;=¿j ´kEu ia:dkhl mj;sk iamDYH iy wiamDYH nqoaêuh iy

ld¾ñl foam, hï whs;sjdislula woyia fõ'

"w,dN" hkafkka" hï w,dN" ydks" b,a,Sï" ysñlïmEu" j.lSï" .dia;= ^kS;s úhoï

we;=¿j& iy mQ¾jdfmalaIKh l< yels fyda fkdyels fyda isÿùfï yelshdjla ;sfnk

fyda fkd;sfnk hï wdldrhl úhoula ^hï iDcq" jl% fyda wdkqYx.sl w,dN" ,dN

wysñùu" fyd|ys; wysñùu yd lS¾;sh wysñùu we;=<;aj& woyia fõ'

"wl%uj;a Wmdx." hkafkka" jhsri" j¾ï" fg%dacka" nelafvda" iamhsfjhd fyda lSf,d.¾

jeks mß.Kl moaO;shg ydksodhl jhsri we;=¿ i;=re" wd.ka;=l" lvdlmam,aldÍ

wk¾:ldÍ fyda ixydrl uDÿldx. woyia fõ'

"n,m;%h" hkafkka" Tn fjkqfjka l%shd lsÍu i|yd n,h mjrkq ,enQ ;eke;a;ka

fj; ,nd fokq ,nk Tnf.a ixia:d.; n,h mejÍu woyia fõ'

"cx.u Wmdx." hkafkka" fiajdjlg msúiSu i|yd mßYS,lhl= fyda n,h mjrkq ,enQ

wfhl= úiska kï lrk ,o ´kEu cx.u ikaksfõok Wmdx.hla woyia fõ'

"oekaùu" hkafkka" my; i|yka l%u uÕska wm úiska Tn fj; f;dr;=re wkdjrKh

lsßu woyia fõ'

^w& jdÑlj"

^wd& wmf.a ks,Orhl= uÕska Ndr§u"

^we& ,sÅ; ;emEf,ka" *elaia uÕska fyda úoHq;a ;eme,a uÕska" iy

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^wE& wmf.a fjí wvúfha oelaùfuka"

ta wkqj "oekqï fok ,§ "" "oekqï foñka"" iy "oekaùu" hkakg ta yd wkqrEmS f;areï

;sìh hq;=h'

"md¾Yajlrejka" hkafkka" Tn iy wm woyia fõ'

"f.ùï idOk m;%h" hkafkka" hï fplam;la" ixpdrl fplam;la" b,a¨ï

wKlrhla" uqo,a Ndrldr weKjqula" uqo,a weKjqula" ;eme,a weKjqula" fyda fjk;a

iudk idOk m;%hla woyia fõ'

"mqoa.,sl f;dr;=re" hkafkka" Tfí ku" ,smskh" nÿf.ùfï y÷kd.ekSfï wxlh"

fjk;a wdldrhl y÷kd.ekSula we;=¿j Tnf.a iDcq yd jl% w¾:,dNS ysñlrejka f.a

y÷kd.ekSula" w¾:,dNSka" md,kh lrkq ,nk mqoa.,hka" iy Tjqkaf.a wod< o;a;

úIhhka wkqms<sfj,ska woyia fõ'

"ryiH wxlh" hkafkka" Ndú;d lrkakl=g fyda hï ksYaÑ; bf,lafg%dksl msúiqulg

iqúfYaI jQ ryiH ixfla; wxlh woyia fõ'

"wod< o;a; úIh" hkafkka"

^w& hï whÿï m;%hla fyda fiajd iemhSfï wdlD;s m;%hla ,shd w;aika

lrkq ,nk fyda tys kï lr we;s ;eke;a;l="

^wd& Tnf.a n,h mjrkq ,enQ ;eke;a;d" fyda

^we& tjeks ;eke;af;l= jYfhka wm úiska ksYaph lrkq ,nk ;eke;af;l=

woyia fõ'

"jd¾;dj" hkafkka" hï .sKqulg" uqo,a .kqfokqjlg fyda fiajhlg wod<j Tn

úiska b,a,d isák ,o hï o;a;" jd¾;d" m%ldY fyda f;dr;=re woyia fõ'

"mßiSñ; md¾Yajh" hkq kS;sh uÕska .kqfokq lsÍu iSudlr we;s fyda ;ykï lr we;s

tlai;a ckmo fyda hqfrdamd ix.ufha idudðl rgl cd;slfhl= fõ'

"iïndOl" hkafkka" tlai;a ckmofha" hqfrdamd ix.ufha fyda tys fjk;a idudðl

rdcHhka ys rchhka uÕska mkjk ,o wd¾Ól iïndOl kS;s" fr.=,dis" fj<| lghq;=

ms<sn| ;ykï fyda ndOl l%shdud¾.hka woyia fõ'

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"wdrlaIl ld¾hh mámdá" hkafkka" wm úiska wdrlaIdj fyda i;Hdmkh Wfoid Tn

fj; ,nd fokq ,nk Wmfoia" ks¾foaYhka" l%shdud¾. fyda ld¾h mámdá woyia fõ'

"fiajd" hkafkka" lsishï Wmfhda.S l%shdldrlï" .kqfokq fyda fiajdjka o we;=¿j wm

úiska Tn fj; ,nd fokq ,nk nexl= myiqlï" ud¾..;h^ka&" fufyhqï l¾;jH iy

ksIamdok yd uQ,H fiajd ^.sKqula yd wod<j fyda tfia fkdjk& wd§ oE woyia fõ'

'

"fiajd uÜgï .súiqï" hkafkka" md¾Yajhkaa w;r tlÕ ù we;s mßÈ hï fiajhla

,nd§u i|yd jk ld¾hh mámdáhl yd fufyhqï kshuhka woyia fõ'

"fiajh ,ndfokq ,nk ia:dkh" hkafkka" wod< b,a¨ï m;%fha y÷kdf.k we;s wm

úiska Tn fj; fiajdjka ,nd fokq ,nk yd wm lghq;= lrkq ,nk rg fyda

foaYN+ñh woyia fõ'

"fiajd w;sf¾lh" hkafkka" Tn úiska f;dard .kakd ,o fiajhlg wod< wmf.a

kshuhka woyia fõ'

"fiajd iemhSfï wdlD;sm;%h" hkafkka" Tn úiska hï fiajhla i|yd b,a,d isákq

,nk fiajd iemhSfï úl,amkhka olajd we;s wdlD;sm;%hla woyia fõ'

"uDÿldx." hkafkka" wm fyda wmf.a iemhqïlre úiska Tn fj; ,nd fok ,o hï

uDÿldx.hla woyia fõ'

"uDÿldx. n,m;%h" hkafkka" tu uDÿldx.h iïnkaOfhka Tn fj; fyda wm fj;

,nd fok ,o hï n,m;%hla woyia fõ'

"iïu; kshuhka" hkafkka" fuu iïu; kshuhka woyia fõ'

"Straight2 Bankweb" hkafkka wmf.a wka;¾cd, fufyhùu woyia fõ'

"md,s; iud.u" hkafkka" hï iud.ulg wod<j"

^w& uq,ska kï i|yka l< iud.u úiska iDcqj fyda jl%j md,kh lrkq

,nk"

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^wd& uq,ska kï i|yka l< iud.u úiska ksl=;a l< fldgia m%d.aOkfhka

wvlg jeä m%udKhla i|yd iDcqj fyda jl%j m%;s,dNS ysñlï orkq

,nk" fyda

^we& uq,ska kï i|yka l< iud.fï fjk;a hï mßmd,s; iud.ul

mßmd,s; iud.ula jk"

fjk;a hï iud.ula woyia fõ'

"SWIFT mKsjqv" hkafkka" j¾,aâjhsâ bkag¾nEkala *hskEkaI,a fg,slñHqksflaIka

{Worldwide Interbank Financial Telecommunication (SCRL)} uÕska imhd we;s

mKsjqv fiajdjka Ndú;fhka hjkq ,nk bf,lafg%dksl ikaksfõokhka ^Wmfoia

wvx.= úh yels& woyia fõ'

"moaO;s øjH" hkafkka" ish¨u Ndú;d lrkq ,nkakkaf.a ud¾f.damfoaY" uDÿldx."

oDvdx." bf,lafg%dksl msúiqï" ldâm;a lshùfï hka;%" äðg,a iy;sl iy fjk;a hï

WmlrK" øjH fyda wm úiska Tn fj; ,nd fokq ,nk hï udOHl f,aLkhla woyia

fõ'

"noao" hkafkka" kS;shg wkqj fyda wm wêldßhla w;r we;slr .;a lsishï

tlÕ;djhlg wkqj fyda wh lrkq ,nk hï noaola" .dia;=jla" mekùula" ;Srenoaola

fyda fjk;a hï .dia;=jla fyda ta yd iudk r|jd ;nd .ekSula ^ta yd iïnkaO ov

.dia;=jla fyda fmd<shla we;=<;aj& woyia fõ'

".kqfokqj" hkafkka"

^w& md¾Yajhka w;r we;s lr.;a hï .kqfokqjla"

^wd& Tnf.a Wmfoia u; wm úiska l%shd;aul lrkq ,nk hï .kqfokqjla"

fyda

^we& Tn yd fjk;a hï md¾Yajhka w;r we;slr .kq ,nk hï .kqfokqjla

woyia fõ iy —.kqfokq lsÍu˜ hkak o óg wkqrEmS f;areula iys; fõ'

".kqfokq lsÍfï kshuhka" hkafkka" tla tla .kqfokq lsÍu md,kh lrkq ,nk

kshuhka woyia fõ'

"mßYS,lhd" hkafkka" Tn fjkqfjka hï fiajhla Ndú; lsÍu i|yd Tn úiska n,h

mjrkq ,nk hï ;eke;af;l= woyia fõ'

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"mßYS,l u.fmkaùï" hkafkka" hï .sKqula fyda fiajhla iïnkaOfhka Tn fj;

,nd fokq ,nk l%shd;aul lsÍfï yd ld¾h mámdál ud¾f.damfoaY" w;afmd;a fyda

;dlaIKsl msßú;rhla woyia fõ'

"mßYS,lhdf.a y÷kd.ekSfï wxlh" hkafkka" mßYS,lhl= fj; fjka lrkq ,nk

fyda mßYS,lhd úiska f;dard .kq ,nk ^ryiH wxlh" mqoa.,sl ye÷kqï wxlh"

bf,lafg%dksl h;=r fyda tajdfha tl;=jk wdldrfhka jk& hï iqúfYaIS y÷kd.ekSula

woyia fõ'

"fjí wvúh" hkafkkaa" wka;¾cd, fõÈldj fyda fjíwvúh yryd Tn ,nd fokq

,nk hï fiajhla woyia fõ'

"wm" "wmf.a" iy "wm úiska" hkafkka" wod< ia:dkfhys § wod< fiajh^fiajd&

iemhqïlre jYfhka wod< b,a¨ï m;%fha y÷kajd we;s nexl= idudðlhd woyia fõ'

"Tn" "Tnf.a" yd "Tn úiska" hkafkka" fiajh ,nd fokq ,nk ia:dkfhys wod<

fiajh ,nd .kakd fiajdodhlhd jYfhka wod< b,a¨ï m;%fha y÷kajd we;s ;eke;a;d

woyia fõ'

1'2' w¾:ksremKh lsÍu ms<sn| Í;s (

^w& ksYaÑ; fmdÿ kshuhka ms<sn|j i|yka lsÍu ( fuu iïu; kshuhka ys

wkHdldrfhka i|yka lr wef;d;a ñi (

(i) hï ;eke;af;l= mss<sn|j lrkq ,nk i|yklg tu ;eke;a;df.a

fmd,au#lrejka" woañksia;%dislrejka" wkqm%dma;slhka" wdfoaYs;hka ^.súiqula

w¨;a lsÍu uÕska we;=¿j& iy mejreï,dNSka we;=<;a fõ'

(ii) hï f,aLkhla ms<sn|j i|yka lsÍulg tys hï fjkia lsÍula fyda ta fjkqjg

fjk;a f,aLkhla bÈßm;a lsÍula we;=<;a fõ'

(iii) ";eke;a;d" hkafkka hï mqoa.,fhl= yjq,a ysñldr;ajhla" ixia:d.;

uKav,hla" ixia:d.; fkdl< ix.uhla" hï wdKavqjla" hï rchla" hï

rchl ksfhdað; wdh;khla iy hï Ndrhla we;=<;a fõ'

(iv) "kS;sh" hk jpkhg fmdÿ kS;sh" idOdrK;ajh" ms<sn| uQ,O¾u yd

md¾,sfïka;=j úiska idok ,o kS;s we;=<;a fõ'

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(v) hï wêldßhl iy ´kEu w¾:l:khl" hïlsis kS;shla wod< lsÍul fyda

n,d;aul lsÍul hï ksfhda.hla" Í;shla" ks, úOdkhla" b,a,Sula fyda

ud¾f.damfoaYhla ^kS;sfha n,h ;snqK o fkd;snqK o& kS;sh ms<sn| i|yka

lsÍula we;=<;a fõ'

(vi) kso¾Yk ,ehsia;=.; lsÍfï § "we;=<;a fõ" hk jpk i|yka lr we;s úg

tuÕska tu ks¾foaYk fyda Bg iudk wdldrfha ks¾foaYkj,g muKla iSud

fkdfõ'

(vii) mqreId¾:fhka i|yka lr we;s jpkj,g ia;%S mqreI fomd¾Yajh u we;=<;a fõ'

(viii) tal jpkfhka i|yka lr we;s jpkj,g nyq jpk w¾:h o" tfiau nyq

jpkfhka i|yka lr we;s jpkj,g tal jpk w¾:h o we;=<;a fõ'

(ix) ",sÅ;" hkafkka woyia jkafka úoHq;a ;emE," *elaia mKsjqv fyda meyeÈ,sj

lshjd.; yels f,i wm yg ,enqKq wfkl=;a úoHq;a ikaksfõok l%u jk

—,shk ,o˜ hkakg o óg wkqrEmS f;areula we;'

^wd& YS¾I (

fuu kshuhka ys Ys¾Ihka myiqj i|yd muKla jk w;r" tajdfha w¾:

ksrEmKh i|yd n,fkdmdhs'

2' Tnf.a j.lSï

2'1' Tn úiska my; i|yka lreKq ms<smeÈh hq;=h (

^w& hï fiajdjla iy hï wdrlaIs; l%shdmámdàka iïnkaOfhka mßYS,l

u.fmkaùï iy wmf.a Wmfoia wkq.ukh l< hq;= h¦

^wd& wod< ish¨u kS;s wkq.ukh l< hq;= h¦

^we& ksjerÈ yd hdj;ald,Sk f;dr;=re" idOdrK jYfhka wm úiska b,a,d isákq

,nk hï f;dr;=re iy f,aLk ^lsishï wêldßhla yd wm hgf;a we;s lsishï

.súiqula iïnkaOfhka wm úiska iemhSug kshñ; Tfí mqoa.,sl f;dr;=re o

we;=¿j& Tn úiska wm fj; iemhsh hq;= jk w;r" lsishï fjkila isÿ ù

we;akï" ta iïnkaOfhka wm fj; jydu oekqïÈh hq;= h¦

^wE& fuu .súiqug wkqj" wm úiska Tng okajd isák wdldrhg" lsishï wêldßhlg

Tjqkaf.a mqoa.,sl wdfõokh i|yd wmf.a /ialsÍï" r|jd.ekSï" .nvd lsÍï"

Ndú;h" l%shd;aul lsÍï" udre lsÍï" fy<sorõ lsÍï iy jd¾;d lsÍï ^iDcqj

fyda jl%j& i|yd tlÕ;ajh ,nd .; hq;= h¦

10

^b& iïndOl W,a,x>kh lsÍfuys ,d fyda mßiSñ; md¾Yajhl m%;s,dNhla i|yd

fyda Tn fyda mßiSñ; md¾Yajhla jk fjk;a fiajdodhl iuQy idudðlhl=g

tfrysj iDcqj fyda jl%j lsishï l%shdjla ms<sn| oekaùula" úu¾Ykhla fyda ta

iudk l%shdjla Tn fyda lsishï fiajdodhl iuQy idudðlhl= fyda iDcqj fyda

jl%j Tn fyda fjk;a fiajdodhl iuQy idudcslhl= yd iïnkaO mqoa.,hl=

fyda mßiSñ; md¾Yajhla fyda lsishï iïndOlhlg tfrys lsishï ud¾.hla"

úu¾Ykhla fyda ta yd iudk l%shdud¾.hla f.k fkdue;s njg iy ta

iïnkaO fiajdjla fyda .kqfokqjla isÿl< fyda isÿlsÍu msKsi iDcqj fyda

jl%j Ndú; fkdlrk njg iy;sl úh hq;= h¦

^B& Tnf.a mßYS,lhka iy n,h,;a mqoa.,hkag muKla msúiSfï yelshdj we;s

jk mßÈ" moaO;s fuj,ï" mß.Kl o;a; moaO;Ska" mß.Kl o;a; y÷kd.ekSï"

mßYS,l y÷kd.ekSï iy fiajd iïnkaO ish¨ f;dr;=re wdrlaIs;j iy

ryis.;j ;nd .; hq;= h¦

^W& moaO;s fuj,ï" mß.Kl o;a; moaO;Ska" mß.Kl o;a; y÷kd.ekSï" mßYS,l

y÷kd.ekSï" f;dr;=re wia:dk.;ù fyda wh:d mßÈ Ndú;fldg we;akï fyda

tu f;dr;=re Ndú; lsÍug n,h fkdue;s hï ;eke;af;l= úiska tajd Ndú;

lrhs kï fyda jydu ta ms<sn|j wm oekqj;a l< hq;= w;r" wdrlaIK

l%shdmámdàkag wkql+,ùug wfmdfydi;alula fyda lsishï ud¾..;hla ms<sn|

hï iel iys; .eg¿jla mj;S kï tjeks hï .eg¿jla úi|d,Su i|yd jQ

wmf.a hï idOdrK b,a,Sula iïnkaOfhka Tn úiska iyh ,nd§u msKsi

jydu wm fj; oekqï Èh hq;= h¦

^W!& Tnf.a iy wmf.a fiajdjka ;=<g wkjir msúiSï wkdjrKh lrf.k"

je<elaùu iy md,kh lsÍug iqÿiq yd iaÓridr l%shdj,shla l%shdjg kxjd

kv;a;= lr" fiajdodhl moaO;Ska" moaO;s øjH fyda ud¾..;kag wl%uj;a Wmdx.

y÷kajd§ï iïnkaOfhka fidhd oek" j<ld" bj;alr" ms<shï fh§u i|yd

ish¿u hqla;s iy.; mshjrhka .; hq;= h¦ iy

^t& mßYS,lhka iy n,h,;a mqoa.,hka Tjqkag wod< mßYS,l wxl yjqf,a Ndú;

fkdlrk njg iy wkdjrKh fkdlrk njg yd fmdÿ wka;¾cd, Wmdx.

msúiqulska fyda Tng iy;sl l< fkdyels" fmdÿfõ Ndú; lrk mqoa.,sl

mß.Klhlska fiajdjlg fkdmsúfik njg iy;sl úh hq;= h¦

^ta& ´kEu ud¾..;hla Ndú; lsÍu i|yd wjYH oDvdx." uDÿldx. iy moaO;Ska

Tn fj; we;s njg iy;sl úh hq;= h¦ iy

11

^T& nexl=j uÕska md,kh fkdjk ´kEu ud¾..;hla" fiajdjla fyda moaO;s

øjHhla iïnkaOfhka n,meje;afjk kS;sÍ;sj,g wkql+, úh hq;= h'

2'2'

^w& uQ,sl wdlD;sm;%fhys mßYS,l jYfhka y÷kd.;a hï ;eke;af;l= fj; fiajd

,nd.ekSu iy Tn fjkqfjka l%shdlsÍu i|yd n,h mjrd we;s w;r" hï

fjkila isÿ jQ úgl ta nj jydu wm fj; oekqïfok nj¦ iy

^wd& Tn úiska imhd we;s fyda Tng iïnkaO f;dr;=re fmdÿ ud¾..;h^ka& hgf;a

´kEu fiajdodhl iuQy idudðlhl= fj; wm úiska fy<sorõ lrk nj¦

Tn ;yjqre lrhs'

2'3' lsishï fiajdjlg msúiSu i|yd fyda bf,lafg%dkslj wm iu. ikaksfõokh lsÍug

fyda Wmfoia ,nd§ug wm úiska Tn fj; imhkq ,nk fyda Tn úiska Ndú; lrk

fyda hï bf,lafg%dksl iqplhla" fiajdodhl y÷kd.ekSu" mßYS,l y÷kd.ekSï"

wxlk iy;sl fyda cx.u Wmdx. iïnkaOfhka jk j.lSu Tn úiska oeßh hq;= h'

2'4' Tnf.a b,a,Sug wkql+,fjñka wmf.a moaO;s fuj,ï fj; Tnf.a mßYS,lf.a m%fõYh

w;aysgjQ wjia:djl iajhxl%Sh l%shdj,Ska uÕska we;sjk ish¨ .kqfokq i|yd Tn úiska

j.lSï ±ßh hq;= h'

3' wmf.a j.lSï

3'1' fiajd iemhsfï § wm úiska

^w& idOdrK /ljrKhla iy l=i,;djla Ndú; lrkq we;¦

^wd& fiajdjka i|yd wjYH jkafka kï" wj,x.= l< yels" ysñlï Nd.h rys;"

wkkH fkdjq" mejßh fkdyels uDÿldx. n,m;%hla Tn fj; imhkq we;¦

^we& Tn úiska f;dard.;a" oekg ndOd we;s fyda Ndú; l< fkdyels j we;s" wmf.a

md,khg hg;a ´kEu ud¾..;hla m%;sia:dmkh lsÍu i|yd hqla;s iy.;

m%h;akhla ±Íu fyda wmg yels blaukska úl,am myiqlula Tn fj; ,nd§u

isÿ lrkq we;¦

^wE& Tfí j.lSï hgf;a olajd we;s lreKq yefrkakg" wm md,kh lrk ´kEu

ud¾..;hla fj; wkjir msúiqï j<lajd,Su i|yd .; yels ish¨u idOdrK

l%shdud¾. .ekSu¦

^b& uQ,sl wdlD;sm;%h uÕska f;dardf.k we;s wdldrhg Tn fj; jd¾;d tjkq

we;' wod< whÿïm;%fha ,ehsia;=.;fldg fkdue;s ´kEu fiajdjla i|yd

tajdfha .kqfokq fldkafoais u; jd¾;d ksl=;a flfrkq we;¦

12

^B& Tnf.a bf,lafg%dksl iQplh" fiajdodhl y÷kd.ekSu" mßYS,l y÷kd.ekSï

fyda wxlk iy;sl Ndú; lrk ´kEu ;eke;af;l= Tn úiska tfia lsÍug

n,h mjrk ,o ;eke;af;l= jYfhka ms<s.kq we;'

^W& wm iu. we;s lsisÿ .sKqula" fiajdjla" .kqfokqjla fyda .súiqula

iïnkaOfhka iajdëk ffk;sl" whnÿ" .sKqïlrK" wdrlaIK iy fjk;a

Wmfoia Tn fj; iemhSug wm j.lshkq fkd,nk w;r" WmfoaYl" úYajia;

fyda ta yd iudk l¾;Hjhka iïnkaOfhka wm" Tng .e;s fkdfjuq'

4' Wmfoia

4'1' uekafâgh m%;sia:dmkh lsÍu (

Tnf.a kj uekafâghg wkqj wmf.a jd¾;d hdj;ald,Sk lsÍu i|yd kj uekafâgh

wm úiska ,o wjia:dfú isg nexl= jevlrk Èk 7l ld,hla wmg wjYH fú' tf;la

mj;akd uekafâgh u; úYajdih ;nd wm úiska l%shd lrkq we;'

4'2' wiïmq¾K iy wkkql+, Wmfoia (

Tnf.ka f;dr;=re úuiSulska f;drj" wiïmQ¾K fyda wkkql+, Wmfoia" ksjerÈ yd

meyeÈ,s lr.; yelshehs wm idOdrK f,i úYAjdi lrkafka kï" tu wiïmQ¾K fyda

wkkql+, Wmfoia u; wm l%shdlrkq we;'

4'3' l%shd lsÍu m%;slafIam lsÍu(

my; i|yka wjia:djka ys § wm úiska Tnf.a Wfoia ms<smÈkq fkd,efí'

^w& tu Wmfoia jHdc tajd njg wm úiska i,lkq ,nk wjia:djl¦

^wd& wdrlaIs; l%shdoduhka W,a,x>kh lr we;s nj úµudk jk fyda l%shd;aul l<

fkdyels wjia:djl¦

^we& tfia lsÍu i|yd ms<s.; yels fya;= wm i;=j we;s wjia:djl( fyda

^wE& ta iïnkaOfhka lghq;= lsÍfï m%;sM,hla jYfhka wkjir whsrdjla we;sùu(

4'4' f.ùï Wmfoia (

Tnf.a f.ùï Wmfoia heùug Tn úiska wm fj; n,h mjrd we;' Tjqka fj; Tn

úiska iDcqj u Wmfoia hjd we;s f,i i,ld" wm fyda hï nexl= idudðlhl= fyda

f;jk md¾Yajhla tlS Wmfoia u; lghq;= lsÍug o Tn úiska n,h mjrkq ,efí'

13

4'5' oekaùu (

Tnf.a Wmfoia ms<sme§ug fkdyelsjk wjia:djl" yels blaukska u ta nj Tng ±kqï

fokq we;'

4'6' .kqfokq w;aysgqùu (

Tn úiska b,a,d isák wjia:djl wod< .kqfokqj w;aysgqùug fyda wj,x.= lsÍug wm

úiska m%h;ak orkq ,nk w;r" th tfia lsÍug fkdyels jqjfyd;a ta iïnkaOj

j.lSu orkq fkd,efí'

5' ±kaùï iy ksfõok

5'1' oekaùï iy ksfõok iajNdjh (

oekaùï iy ksfõok meyeÈ,sj lsheúh yels tajd úh hq;= w;r" wjika jrg oekqï

fok ,o iïnkaOùfï f;dr;=re Wmfhda.S lrf.k" kshu lrk ,o wxYh fj; heúh

hq;= h'

5'2' my; i|yka lreKq hgf;a Tn fj; tjkq ,nk ±kaùï iy ksfõok iM,odhS njg

ie,lsh yels h'

wkHldrhlska" i|ykafldg fkdue;s kï" my; i|yka udOHka yryd tjkq ,nk

wmf.a ±kaùï iy ksfúok iM,odhS f,i ie,lsh yels h'

^w& wod< *elaia mKsjqvfha th i;=gqodhl f,i hjd we;s njg tys fõ,dj

i|yka jk wjia:djl¦

^wd& fm!oa.,sj Ndr§fï § th Ndr fokq ,nk wjia:djl¦

^w& ;emEf,ka heùfï § ;eme,a l< Èkg miqj t<fUk nexl= jev lrk

Èk 5l ld,h¦ iy

^wE& wm úiska oekqï fokq ,nk mßÈ" fjk;a ´kEu ud¾..;hlska heùfï

§ th iM,odhS l< fõ,dj'

5'3' wm fj; tjkq ,nk ±kaùï iy ksfõok iM,odhl jk wjia:d (

i;H jYfhka u wm fj; tu oekaùï ,eî we;s úfgl th iM,odhS f,i ie,lsh

yelsh'

5'4' jdÑl fyda bf,lafg%dksl udOHhka yryd ,efnk Wmfoia yd ksfõok (

^w& Tn úiska fokq ,nk Wmfoia fyda ksfõok wjHdc iy iïmQ¾K tajd nj wmg

yeÕS .shfyd;a jdÑl fyda ´kEu ud¾.hla yryd wm fj; ,efnk Wmfoia

14

fyda oekaùï iïnkaOfhka l%shd lsÍug yels h' tjeks Wmfoia iïnkaOfhka

l%shdlsÍug fmrd;=j Tn úiska th ikd: l< hq;= h'

^wd& Tnf.a Wmfoia fyda ksfõok jdÑl fyda fjk;a ud¾..;hla yryd tùfï § ta

iïnkaOfhka jk wjodku Tn úiska oeßh hq;= h'

5'5' ÿrl:k ixjdo má.; lsÍu (

wod< ´kEu kS;shlg hg;aj" Tn iuÕ mj;ajkq ,nk ÿrl:k ixjdo wm úiska

má.; lrkq ,nk w;r" .súiqu iïnkaOfhka jk wdrjq,l § tfia má.; lrk ,o

ixjdo fyda má.; lsÍïj, m%;sf,aLk Ndú; flfrkq we;'

6' wxls; w;aika (Digital Signatures) iy b,lafg%dksl .súiqï

6'1' wxls; w;aik (

wxls; iy;slhla (Digital Certificate) fyda bf,lafg%dksl iQplhla iys; j tjd we;s

wxls; w;aik ;enQ Wmfoia yd ksfõok i|yd o ,sÅ; w;aik ;enQ whqßka u tlu

ffk;sl n,mEu iy j,x.= nj mj;S'

6'2' n,mj;akd bf,lafg%dksl .súiqï (

bf,lafg%dksl jYfhka l%shdjg kxjk ,o .súiqï ta yd iïnkaO ish¨ fffk;sl

wjodkï iys;j n,meje;afjk njg Tn iEySulg m;aúh hq;= h'

6'3' cx.u WmlrK (Mobile Devices) Ndú;h (

^w& cx.u WmlrKhla yryd Straight2Bank ys jd¾;d keröug fyda Wmfoia

,nd§ug Tnf.a mßYS,lhka fyda n,h,;a ;eke;a;ka yg wmf.a cx.u

nexl=lrK l%shdj,sfha § wjir ,efí'

^wd& cx.u WmlrKhla yryd .kqfokqj i|yd n,h ,nd§fï § tfia n,h mjrkq

,nk wjia:dfõ § Tnf.a n,h,;a ;eke;a;kag tu .kqfokqfõ iïmQ¾K

f;dr;=re oel n,d.ekSug wjia:dj fkd,efí' cx.u WmlrK yryd Wmfoia

,nd § n,h mjrkq ,eîfï § we;sjk hï wjodkula ^idmrdë jxpd we;sùfï

wjodku o we;=¿j& Tn úiska oeßh hq;= h'

6'4' fjí wvú (

^w& wmf.a wka;¾cd, moaO;s fj; jvd;a ld¾hlaIu f,i msúiSu i|yd Tnf.a

mß.Klhg ;djld,sl f.dkqjla f,i "Cookies" keue;s f.dkqj we;=<;a l<

15

yels h' tu f.dkqj Tng wjYH wjia:dfõ § uld oeñh yels h' kuq;a tfia

lsÍfï § wmf.a ish¨u fiajdjka i|yd Tng m%fõY úh fkdyels h'

^wd& wmf.a fjí wvú yd iïnkaO iuyr in|;d wmf.a md,kfhka f;dr fjí

wvú yryd o me;sf¾' tjeks fjí wvú iïnkaOfhka fyda tys wka;¾.;h

iïnkaOfhka wm úiska j.lSï orkq fkd,efí'

^we& wmf.a wfkl=;a fjí wvúj, ukd in|;djhla ,nd .ekSu i|yd tjeks

wfkl=;a fjí wvú i|yd n,mdk fldkafoais wod< lr.; hq;= h' tjeks

fldkafoais fkdue;s kï" fuu .súiqfuys fldkafoais n,meje;afõ'

7' Tnf.a n,h,;a ;eke;a;df.a wêldÍ n,h

7'1' n,h,;a ;eke;a;df.a l%shdldrlï (

wkHdldrhlska yer Tn úiska ,sÅ;j wm fj; Wmfoia ,nd § we;s wjia:djl § ^iy

wm úiska tjeks Wmfoia ms<sf.k we;s wjia:djl §& yer my; i|yka lreKq o

we;=¿j Wmfoia ,nd§u" ´kEu f,aLkhla w;aika ;eîu iy Tn fjkqfjka hï

l%shdjla bgq lsÍu i|yd Tnf.a n,h,;a ;eke;a;dg wêldÍ n,h mj;S'

^w& hï fiajdjla tl;= lsÍu fyda bj;a lsÍu we;=¿j .súiqfï fldkafoais i|yd

tlÕùu" w;sf¾lhla iemhSu" kej; m%ldY lsrSu fyda fjkia lsrSu¦ iy

^wd& ish¨u fyda ksYaÑ; fiajdodhl lKavdhïj, idudcslhka fjkqfjka ks¾udKh

lrk ,o fmdÿ udOHhka ys Tnj we;=<;a lsrSu i|yd wm fj; Wmfoia ,nd§u

iy Tn fjkqfjka ^hï wkqm%dma;slfhl= m;alsÍu we;=¿j& ksfhdað;fhl=

jYfhka Tnf.a hï idudðlfhl= m;a lsÍu¦

7'2' n,h,;a ;eke;a;df.a wêldß n,h wjika lsSÍu (

wm fj; ,sÅ;j oekqï§fuka wk;=rej n,h ,;a ;eke;a;df.a wêldÍ n,h wjika

lsÍug Tng yels h'

8' uqo,a" úhoï iy .sKqu yrlsÍu

8'1' uqo,a iy úhoï (

wvqlsÍï fyda m%;sysñlï mEu ys,õjg ;eîulska f;drj my; i|yka f.ùï wm fj;

f.úh hq;= h'

^w& lsishï .kqfokqjla i|yd fyda wm úiska oekqï fokq ,nk wdldrhg"

.súiqu hgf;a Tn úiska f.úh hq;= ´kEu .dia;=jla fyda uqo,la¦ iy

^wd& .súiqu fyda lsishï .kqfokqjla iïnkaOfhka wm úiska orkq ,nk hï

úhoula fyda mdvqjla'

16

8'2' uqo,a wdmiq ,nd.ekSu (

my; i|yka lreKq iïnkaOfhka .súiqu hgf;a fyda lsishï .kqfokqjla i|yd wm

úiska wh lrk ,o hï f.ùula ^f.jk ,o hï fmd<S uqo,la o we;=¿j& wj,x.=

lsÍug" wdmiq yerùug fyda yr lsÍug wmg yelshdj we;'

^w& w;aje/oaola ksjerÈ lsÍu iïnkaOfhka wh l< hï uqo,la¦

^wd& mQ¾K jYfhka fyda laIKslj" ksYaÑ; yd fldkafoais úrys; wruqo,a wm fj;

,eî fkdue;s wjia:djl¦

^we& f.jkq ,nk mqoa.,hd fyda wKlre fj; wruqo,a kej; ,nd§ug wmg wjYHj

we;s wjia:djl¦ fyda

^wE& tfia lsÍug idOdrK fya;+ka wmg we;s wjia:djl'

8'3' Tnf.a .sKqïj,g yr lsÍu (

^w& Tn úiska wm iu. mj;ajdf.k hkq ,nk .sKqï fj;ska .súiqu hgf;a fyda

lsishï .kqfokqjla i|yd whúh hq;= fyda f.ùug kshñ; hï uqo,la ´kEu

wjia:djl wm úiska yr lsÍu¦ iy

^wd& wm úiska idOdrK jYfhka ;SrKh lrkq ,nk wkqmd;hla u;" .súiqu hgf;a

fyda ´kEu .kqfokqjla i|yd f.úh hq;= hï uqo,la iïnkaOfhka jQ fmd<sh

th f.úh hq;=j ;snQ Èk isg th i;H jYfhka f.úh hq;= Èkh olajd wh

lsÍu lrkq ,eìh yelsh'

9' uQ,H wdh;k iuÕ we;s lr.;a ieliqï

9'1' uQ,H wdh;khla fyda nexl= idudðlhl= iuÕ .dia;= iy f;dr;=re fnod.ekSï

ieliqï lsÍfï l%ufõohlg we;=<;aùfï yelshdj wmg we;' tjeks mqoa.,hka fj;

wm úiska Tn ms<sn| f;dr;=re fy<sorõ lrkq we;' Tn b,a,d isáhfyd;a" tjeks

ieliqï ms<sn| f;dr;=re wm úiska Tn fj; ,nd fokq we;'

10' ydksmQrKh yd j.lSï iSud lsÍu

10'1' ^w& j.lSu iïnkaO fmdÿ neyer lsÍu (

Tng isÿjk fyda Tn úiska orkq ,nk my; i|yka mdvq

i. hï fiajdjla" ud¾..;hla" moaO;s øjH fyda .kqfokq¦

ii. wmf.a md¾Yajh fj;ska isÿjk l%shdjla fyda meyeryeÍula¦

iii. yÈis ;;a;ajhka fya;=fjka we;s jk hï mdvqjla'

fldka;%d;a;=j W,a,x>kh lsÍu" jHjia:dj fyda wkHdldrhlska mek kÕsk

mdvq iïnkaOfhka jk j.lSu wm úiska orkq fkd,efí' wm md¾Yajh uÕska

17

isÿjk hï jxpdjla" mQ¾K jYfhka fkdie,ls,a, fyda is;du;d isÿlrk

úIudpdr fya;=fjka isÿjk iDcq w,dN i|yd jk j.lSu wm úiska ork w;r"

jl%j fyda wdkqIx.sl mdvq fyda ,dN fkdue;sùu jeks l,ska oek.; yels fyda

isÿúh yels mdvq iïnkaOfhka jk j.lSu wm úiska orkq fkd,efí'

^wd& uQ,Huh iSudjka ( ud¾..;hla yryd msúfik fiajd iïnkaOfhka" lsishï

ud¾..;hl isÿ jQ lsishï wfmdfydi;alula fyda ndOdjla fya;=fjka mek

ke.=k hï mdvqjla i|yd hï ysñlïmEula iïnkaOfhka jk uq¨ j.lSu" wm

úiska orkq ,nk w;r" tys uq¿ tl;=j le,ekav¾ j¾Ihl § tu w,dNh isÿ jQ

Èkg Èk 90l g fmr fufyhqï fiajd .dia;= jYfhka Tn úiska f.jk ,o

uqo, fyda we'fvd' 100"000l uqo, hk foflka by< .dia;=j blauúh hq;=

fkdfõ'

10'2' Tnf.a ydksmQrKh (

my; i|yka lreKq iïnkaOfhka mek kÕsk fyda ork ,o hï mdvqjla b,a,d isàfï

§ Tn úiska ydksmQrKh lrkq ,efí'

^w& wm úiska Tn fj; hï fiajdjla iemhSfï § mdvq isÿùu¦

^wd& Tn fyda Tnf.a n,h,;a ;eke;af;l= .súiqu hgf;a jk hï ne£ulg

wkql+, fkdùu¦

^we& Tnf.a Wmfoia u; l%shdlsÍu fyda l%shd lsÍug wfmdfydi;aùu¦

^wE& hï iq/l=ula ;nd.ekSu fyda hï iy;sl j;alula iïnkaOfhka

lghq;= lsÍu¦

^b& .súiqug wkqj wm úiska uqo,a j¾. wkqj¾;kh lsÍu¦ iy

^B& lsishï nÿ uqo,la i|yd wm fj; f.úh hq;=" fyda .súiqu ^wm úiska

,nk ,o fyda ,eìh hq;= jk wmf.a Y=oaO wdodhu iïnkaOfhka wm

úiska f.úh hq;= nÿ uqo,a yer& hgf;a Tn úiska fyda Tn fj; f.jk

,o fyda f.úh hq;= lsishï uqo,la iïnkaOfhka .Kkh lsÍu'

.súiqu hgf;a Tnf.a wfkl=;a ne§ï iïnkaOfhka fuu ydksmQrK iajdëk jk w;r"

tlS .súiqu wjikaùfuka miqj o th wLKavj mj;S'

10'3' wfkl=;a j.lSï iSudjka (

hï fiajd w;sf¾lhl wvx.=j we;s fjk;a hï j.lSï isudjka Bg wu;r jk w;r" ta

uÕska fuu j.ka;sh iSud fkdjkafka h'

18

10'4' ;=kajk md¾Yaj fj; heúh hq;= f,aLk (

;=kajk md¾Yaj fj; heùu i|yd Tn úiska wm fj; imhkq ,nk f,aLk fyda o;a;

iïnkaOfhka wm lsisÿ j.lSula fkdork nj okajk w;r" wod< j.lSu Tn úiska

oeßh hq;=h' tu f,aLk Tjqka fj; heùug fmr tajd iudf,dapkh lsÍu wm i;=

j.lSula fkdfõ'

10'5' wm fj; lrkq ,nk oekqï§ï (

Tn úiska wm fj; bÈßm;a lrkq ,nk hï ysñlïmEula iïnkaOfhka jQ jeo.;a

lreKq Tn ta ms<sn|j oekqj;aùfuka udi 06l ld,hla we;=<; ,sÅ;j wm fj; oekqï

Èh hq;= w;r" tfia lsÍug wfmdfydi;a jkafka kï" Tnf.a ysñlïmEfï ish¨u

whs;Ska Tn úiska w;ayer oukq we;'

11' f;dr;=re wkdjrKh lsÍu

11'1' my; i|yka wjia:djka ys yer" Tnf.a mqoa.,sl f;dr;=re o we;=¿j" Tn

iïnkaOfhka wod<jk f;dr;=re fyda Tn úiska imhkq ,nk f;dr;=rej, ryiH;dj

wm úiska iqrlskq we;'

^w& hï nexl= idudðlfhl= fj; f;dr;=re fy<sorõ lsÍu'

^wd& fy<sorõ lrk ;eke;a;d fj; ryiH;djh iq/lSfï j.lSug hg;a j hï

nexl= idudðlfhl=f.a fiajd imhkafkl=" rlaIK iud.ï fyda rlaIK

;e/õlrejl= fyda jD;a;Sh WmfoaYlfhl= fj; f;dr;=re fy<sorõ lsÍu'

^we& md¾Yajlrejka w;r ^fyda tys hï ksfhdað;fhl= fyda jD;a;Sh WmfoaYlfhl=&

we;s jk hï .kqfokq hgf;a wmf.a whs;Ska fyda ne£ï iïnkaO hï ienE fyda

úNjH iyNd.sjkafkl=" Wm-iyNd.sjkakl= fyda mejreï,dNsfhl= fj;

f;dr;=re fy,sorõ lsÍu'

^wE& hï ;lafiare wdh;k" fyda iDcq fyda jl% Kh wdrlaIK iemhqïlrejka fj;

f;dr;=re fy<sorõ lsÍu'

by; i|yka wm" ´kEu nexl= idudðlhl= fyda f;jk md¾Yajhla kS;shg fyda ´kEu

wêldßhlg fyda wm iy fjk;a ´kEu wêldßhla w;r we;s lr.;a .súiqulg wkqj"

wjYH jk mßÈ tjeks ´kEu f;dr;=rla udrelsÍu fyda wkdjrKh lsÍu isÿ lrkq

we;'

19

12' .kqfokq

12'1' Tng .kqfokq l< fkdyels nj

wmf.a wkque;shlska f;drj .súiqu hgf;a mj;sk Tnf.a whs;Ska fyda ne£ï mejÍu"

w¿;alsÍu" udrelsÍu fyda wkHdldrhlska .kqfokq lsÍu fkdl< hq;= h'

12'2' wm úiska isÿ lrk .kqfokq

hï ;eke;af;l=f.a wkque;shlska f;drj .súiqu hgf;a mj;sk wmf.a ish¨u fyda

hï whs;Ska iy$fyda ne£ï mejÍu" w¿;alsÍu" udrelsÍu fyda wkHdldrhlska .kqfokq

isÿ lsÍu l< yelsh' Tnf.a leue;a; ,nd§u iy f,aLk w;aika ;eîu we;=¿ wmf.a

idOdrK b,a,Sï l%shd;aul lsÍu i|yd Tn wkql+,;djh oelaúh hq;= h'

13' ys,õ lsÍu

13'1' .súiqu hgf;a fyda wm iuÕ mj;ajdf.k hkq ,nk hï .sKqula hgf;a Tng fyda

Tnf.a hï idudðlfhl= fj; wm úiska fyda wmf.a idudðlhl= fj;ska ^f.ùu

i|yd kshñ; jqj o tfia fkdue;s jqj o& wh úh hq;= ´kEu uqo,a m%udKhla wm úiska

ys,õ lrkq ,efí' ^wm úiska Tn fj; isÿlrk ´kEu uqo,la iïnkaOfhka f.jk

Èkh iy úksuh yqjudre we;=¿j& fuu j.ka;sh hgf;a wm úiska ys,õ lsÍu isÿlsÍu

i|yd ´kEu fohla isÿlrkq ,efí'

14' uqo,a wkqj¾;kh

14'1' Tn fj;ska wm fj; ,efnk fyda wm fj;ska Tn fj; whúh hq;=j we;s fyda Tnf.a

Wmfoia wkqj mek keÕS we;s hï uqo,la iïnkaOfhka wmf.a mj;akd wod< jk

úksuh wkqmd;hg wkqj" wm úiska uqo,a wkqj¾;k isÿlrkq we;' tjeks wkqj¾;k

i|yd wmf.a idudkH .dia;= Tn úiska f.úh hq;= j we;'

15' nÿ

15'1' wm fj; isÿlrkq ,nk f.ùula u; nÿ whlr .ekSug Tng wjYH jk úg f.úh

hq;= uqo, Tn úiska jeä l< hq;= h' túg hï wvqlsÍula isÿlsÍug wjYH fkdjQ

úfgl fuka wm fj; ,eìh uqo, u wmg ,efnkq we;'

15'2' Tn fj; isÿ lrkq ,nk lsishï f.ùulska lsishï nÿ uqo,la wm úiska wvq l< hq;=

jkafka kï" f.úh hq;= uqo, jeä lsÍu wm úiska isÿ lsÍu wjYH fkdjk w;r"

tneúka wvqlsÍula wjYH fkdjqjfyd;a Tn úiska ,nkq we;s uqo, u Tn úiska ,nkq

we;' nÿ i|yd uqo,a wvqlsÍug" wod< kS;sj,g fyda .súiqug wkql+,j wod< wêldßh

20

fj; nÿ f.ùug iy wfkla md¾Yajh fj; ,ÿmf;ys uq,amsgm; ,nd§ug tla tla

md¾Yajh tlÕ fõ'

16' wjika lsÍu iy w;aysgqùu

16'1' tla md¾Yajhla úiska wjika lsÍu (

tla md¾Yajhla úiska wfkla md¾Yajh fj; Èk 30l mQ¾j ,sÅ; wkque;sh ,nd§u

uÕska fiajdjl fyda .súiqfï hï fldgila fyda tu .súiqu fyda fiajdj mQ¾K

jYfhka wjika l< yels h'

16'2' wm úiska wjika lsÍu (

my; i|yka wjia:djka ys § mQ¾j oekqï §ulska f;drj hï .kqfokqjl" fiajdjl

fyda .súiqfï hï fldgila fyda .súiqu fyda fiajdj iïmQ¾Kfhka u jydu wjika

l< yels h'

^w& md¾Yajlrejka w;r we;s lr.;a .súiqfï fyda fjk;a hï .súiqul hï

fldkafoaishla Tn úiska W,a,x>kh lrkq ,nk wjia:djl §¦

^wd& Tnf.a ish¨u wdodhï fyda j;alï fyda hï fldgila jia;=Nx.;aj kS;s

lD;Hhlg hg;afldg we;s wjia:djl §¦

^we& Tn fyda wm úiska .súiqu hgf;a wmf.a wod< ne£ï bgqlsÍu kS;s úfrdaëùu

fyda kS;súfrdaë úh yels wjia:djl §¦

^wE& .súiqug wkql+,ùu uÕska kshduk wjYH;djla W,a,x>kh lsÍu fyda hï

wod< ksfhda.hla wdY%s; wmf.a m%;sm;a;shla W,a,x>kh lsÍu fyda wm iy

lsishï wêldßhla w;r .súiqula fyda lsishï wêldßhla fj; wmf.a m%;sm;a;s

yd ne÷Kq lsishï wod< kS;shla fyda ksfhda.hla fyda iïndOlhla wm úiska

W,a,x>kh lsÍug fya;= úh yels wjia:djl §¦ fyda"

^b& fiajdj iïnkaOfhka Tng hï n,mEula we;s jk wjia:djl § fyda wm úiska

idOdrK f,i i,lkq ,nk hï úfYaIs; isoaêhla isÿù we;s wjia:djl §'

16'3' wmf.a fiajd w;aysgqùu (

´kEu wjia:djl wmf.a .kqfokq iy$fyda fiajd w;aysgqúh yels h' wm tjeks

l%shdjla isÿ l< jydu" m%dfhda.slj yels whqßka ta nj Tng oekqï fokq ,efí'

16'4' fiajd w;aysgqjk f,i Tn úiska lrkq ,nk b,a,Sï (

Tnf.a ,sÅ; b,a,Sula u; hï fiajdjla mQ¾K jYfhka fyda tys hï fldgila wm

úiska w;aysgqjkq ,efí'

21

16'5' fiajd w;aysgqùu fyda wjika lsÍug fmr lrkq ,nk Wmfoia (

fiajh wjika lrk fyda w;aysgqjkq ,nk wjia:dfõ § fyda Bg fmrd;=j fok ,o

lsishï Wmfoila fyda isÿlrk ,o hï .kqfokqjla" hï ;eke;a;l= wkHdldrfhka

tlÕ ù we;akï ñi ta ;eke;a;dg WmÑ;jk whs;sjdislï iy j.lSï flfrys

n,fkdmE hq;= h'

16'6' ;jÿrg;a n,mj;ajk úê úOdk (

uqo,a" wdmiq ,nd.ekSï" ydksmQrK" j.lSï iSud lsÍu" f;dr;=re wkdjrKh" ys,õlsÍu"

uqo,a mßj¾;kh" nÿ" m%;s,dN fyda øjHuh ydks" md,k kS;sh iy wêlrK n,h

iïnkaO úêúOdk iy "fmdÿ" YS¾Ih hgf;a olajd we;s úêúOdk hï .súiqula wjika

lsÍfï § ;jÿrg;a n,meje;aúh hq;= h'

16'7' yÈis ;;a;ajhla ksid .súiqu imqrd,sh fkdyelsùu (

yÈis ;;a;ajhla ksid we;sjk isoaëka wjika jk ;=re hï fiajdjla iemhSu w;aysgqùu

wm úiska isÿ l< yels h'

16'8' ,nd § we;s whs;uhka wdmiq Ndr§u fyda úkdY lsÍu (

.súiqu wjika lsÍu fyda .sKqu jid oeófuka wk;=rej Tn úiska my; i|yka lr

we;s wdldrhg l%shd l< hq;= h'

^w& wm úiska Tn fj; imhk ,o fiajd iïnkaOfhka jQ hï whs;uhla wdmiq

NdrÈh hq;= h'

^wd& fiajdj w;aysgqùu fyda .sKqu jidoeóu iïnkaOfhka wm úiska fokq ,nk

idOdrK Wmfoia jydu wkq.ukh lr" th isÿ l< nj ,sÅ;j wm fj;

iy;sl lr" wm úiska idOdrK jYfhka b,a¨ï lrk ´kEu f,aLkhla

w;aika lr wm fj; Ndr Èh hq;= h'

17' yjq,a jHdmdr

17'1' j.lsï (

yjq,a jHdmdr iïnkaOfhka jk úg" ish¨u yjq,alrejka ^taldnoaO j iy fjka fjka

j hk moku u;& .súiqu uÕska ne£ïj,g hg;a jk w;r" Tnf.a yjq,a jHdmdrfha

hï fjkialï fyda jHdmdr kdufha fjkila fyda tfia ke;fyd;a úiqrejd yeÍula

isÿ l< jqjo Tn fj;ska wmg whúh hq;= ish¨u Kh iy wfkl=;a j.lSï f.jd

mshùug ish¨ yjq,alrejka fuu .súiqug wkqj ne£ isà'

22

17'2' md¾Yajlrefjl= ùu wjikaùu (

hï ;eke;af;l= md¾Yajlrejl= ùu wjikajk Èkh we;=¿j" ta olajd wm fj; ,eìh

hq;= ish¨ Kh iy j.lSï tu ;eke;a;d ´kEu fya;=jla ksid md¾Yajlrejl= ùu

kej;=k o wLKavj mj;skafka h'

17'3' bÈßhg mj;sk .kqfokq (

Tn úiska wmg ,sÅ;j oekqï ÿkfyd;a ñi" oekg isák fyda kj yjq,alrejka Tn

fjkqfjka l%shd lsÍug iïmQ¾K n,h we;s ;eke;a;ka f,i wm úiska i,lkq ,efí'

17'4' fjkiaúï ms<sn| oekqï§u (

Tnf.a yjq,alrejkaf.ka we;s úh yels hï fjkialula fyda kfuys we;sjk hï

fjkialula fkdmudj ,sÅ;j wm fj; oekqï Èh hq;= h'

18' md,kh jk kS;sh yd wêlrK n,h

18'1' md,kh jk kS;sh (

^w& .sKqï újD; lsÍu yd l%shd;aul lsÍug wod< md¾Yaj w;r .súiqï.;

iïnkaO;djka .sKqu mj;ajdf.k hkq ,nk fiajd uOHia:dkfha kS;s uÕska

md,kh jkafka h'

^wd& ^.sKqï mj;ajdf.k hdu yd l%shd;aul lsÍu i|yd jk fiajd yer& tla fiajd

uOHia:dkhla uÕska fiajdodhl lKavdhulg imhkq ,nk fiajdjka tlS

fiajd ia:dkfha kS;s uÕska md,kh jkafka h'

^we& ^.sKqï mj;ajdf.k hdu yd l%shd;aul lsÍu i|yd jk fiajd yer& tla fiajd

uOHia:dkhlg jvd jeäfhka fiajdodhl lKavdhï idudðlhka fj; fiajd

iemhSu tx.,ka; kS;sh hgf;a md,kh jk w;r" fuh fojk fiajd

uOHia:dkfha fiajdjka ,nd ÿka fudfydf;a fyda ,nd§ug hk fudfydf;a

mgka n,meje;afjk w;r" flfia kuq;a w;S;hg n,fkdmdk w;r" fiajd

ia:dk .Kk tllg wvqjk wjia:dfõ § mjd fuh wod< fõ'

18'2' wêlrK n,h (

^w& md,k kS;sh wod< jk iajlSh wêlrK n,h ysñ wêlrKh fj;

md¾Yajlrejka úiska kS;s lD;H bÈßm;a l< hq;= h'

^wd& by; ^w& Wm-mßÉfþoh hgf;a i|yka lrkq ,enQ wmf.a whs;sjdislïj,g

wu;rj" Tn jHdmdr fyda j;alï mj;ajdf.k hkq ,nk hï wêlrK

l,dmhla ;=< § wm úiska hï n,d;aul lsÍfï mshjr .kq ,eìh yels h'

23

18'3' uqla;sh w;ayeÍu (

kvq ;Skaÿjla fyda kvq ;Skaÿjla l%shd;aul lsÍug fmr fyda miqj hï kS;s lD;H" fyda

hï iïnkaO;djhla iïnkaOj hï wêlrK n,hla ms<sn| hï ksoyia whs;shla fyda

fjk;a hï uqla;shla Tn úiska fjkial< fkdyels f,i w;ayßkq ,efí'

19' ieliqï ksfhdAð;hd

19'1' ksfhdað;fhl= m;a lsÍu (

wm úiska b,a,Sula lrkq ,enqjfyd;a" .súiqu yd iïnkaO wêlrK l%shdud¾. iïnkaO

hï ,shú,a,la ,eîu i|yd Tnf.a ksfhdað;hd jYfhka ieliqï ksfhdað;fhl= kej;

wj,x.= l< fkdyels f,i m;alr" tu ksfhdað;hdf.a ku yd ,smskh wm fj; ±kqï

Èh hq;= h' tfia nexl= Èk 07la we;=<; ksfhdað;fhl= m;alsÍug Tn wfmdfydi;a

jqjfyd;a" Tn fjkqfjka ieliqï ksfhdað;hl= wm úiska m;afldg ta ms<sn| ±kqï

fokq ,efí'

19'2' ksfhdað;jrhl= m%;sia:dmkh lsÍu (

tu mqoa.,hd tlS wruqKla fjkqfjka ;j ÿrg;a Tfí ksfhdað;jrhl= fkdfõ kï"

m%;sfhdack ksfhdað;jrhl= jydu kej; m;a l< hq;= w;r" tlS ksfhdað;hdf.a ku

iy ,smskh wm fj; ±kqïÈh hq;= h' tfia w¨;a ksfhdað;hl= m;alsÍug Tn

wfmdfydi;a jqjfyd;a wm úiska w¨;a ksfhdað;hl= m;alrkq ,efí' tu m%;sfhdack

ksfhdað;hdf.a ku iy ,smskh wm úiska Tng ±kqï fokq ,efí'

20' idudkH lreKq

20'1' wmf.a ksfhdað;hka (

wmf.a ne£ï fyda fiajd bgqlsÍu i|yd wm úiska ^iïnkaëldrlhka o we;=¿j&

iajdëk fldka;%d;alrejka iy ksfhdað;hka m;alrkq ,eìh yels h'

20'2' fiajd uÜgï .súiqu (

wkHdldrhlska tlÕù we;akï ñi" fiajd uÜgï .súiqug lsisu ffk;sl n,mEula

fkdue;'

20'3' nqoaêuh foam, whs;sh (

moaO;s øjHj, fyda ´kEu fjí wvúhla iïnkaO nqoaêuh foam, whs;sh wm i;=jk

w;r" fyda wm .súiqulg t<U we;s ´kEu n,m;%,dNshl= fyda fjk;a mqoa.,hl= i;= j

we;' fjkia lsÍu" iïmdokfhka bj;a lsÍu" wdmiq yerùu" fyda msgm;a ieliSu fyda

24

lsishï uDÿldx.hla jHq;amkak lsÍu fyda lsishï moaO;s øjHhlg fyda tys .nvd lr

we;s f;dr;=rej,g n,mEï we;s lsÍu" fyda udre lsÍu" yjqf,a fnod.ekSu fyda

uDÿldx. fyda moaO;s øjH Wm-n,m;% lsÍu fyda wmf.a mQ¾j-,sÅ; wkque;shlska

f;drj tajd msgm;a lsÍu Tn úiska fkdl< hq;= fõ'

20'4' W,a,x>kh fkdlsÍu (

wmf.a idOrK u;h wkqj wmf.a hï kS;shla wod<ùu fyda hï m%;sm;a;shla fyda

kS;shla wod<ùu fyda hï wêldßhl kshuhla fyda wjirhla W,a,x>khùula

ixhqla; fõ kï ñi fuu .súiqfï lsisjla uÕska lsisjla isÿlsÍug fyda isÿlSÍfuka

neyerùug wm fj; ne£ula we;slrkq fkd,nhs'

20'5' neyer lsÍï (

.súiqfuys iúia;rj olajd fkdue;s kï" fiajdjka yd moaO;s øjH iïnkaOfhka

.=K;ajh" ,nd§ug we;s yelshdj" wdrlaIKh iy fhda.H;djh o we;=¿j kuq;a thg

iSud fkdù wod< kS;s uÕska wjir § we;s úia;drh yer" kS;sh uÕska woyia lr we;s

ish¨ kS;sÍ;s" fldkafoais iy j.lSï iúia;rj olajd we;s m%ldrj fiajdjka iy

moaO;s øjH zwe;s ieáfhkaZ iy z,ndÈh yels ieáfhkaZ hk moku u; imhkq ,nhs'

20'6' nexl= Èkh (

hï fiajd uOHia:dkhl § hï Wmfoila wkqj wm úiska l%shdlrkqfha fyda hï

fiajdjla imhkq ,nkqfha nexl= Èkj, § muKs'

20'7' jd¾;d iy iy;sl m;% iy fjk;a f;dr;=re ;SrKd;aul úh hq;= nj (

Tnf.a Wmfoia fyda jd¾;d" iy;slm;% iy fjk;a f;dr;=re iïnkaOfhka Tn fj;

imhkq ,nk wmf.a ish¨ jd¾;d wmf.a jd¾;d u; mokï jk w;r" meyeÈ,s fodaIhla

fkdue;s úg tajd ;SrKd;aul h' meyeÈ,s fodaIhla fkdue;s úgl wm úiska oekqï

fokq ,nk wdldrhg Tn fj; fyda Tn úiska f.úh hq;= jk wkqm%udK ñ< .Kka

fyda hï uqo,la ;SrKd;aul f,i i,lkq ,eìh hq;=h'

20'8' iïmQ¾K .súiqu iy úYajdih fkd;eîu (

iajlSh úIh lreKq iïnkaOfhka fuu .súiqu iuia; .súiqu jk w;r" tu úIh

lreKq ms<sn| md¾Yaj w;r jq ish¨ mQ¾j .súiqï m%;sfhdackh lrkq ,nk w;r" tlS

.súiqfï ksYaÑ;j olajd we;s wdldrhg ñi wm úiska fyda wm fjkqfjka lrkq ,nk

25

fyda lrkq ,nk njg WoafoaYs; fjk;a lsisÿ jdÑl fyda ,sÅ; ksfhdackhla fyda

j.lSula ms<sn|j Tn úiska úYajdih ;nd fkdue;'

20'9' wkkql+,;djh (

^w& fuu iïu; kshuhka iy wod< fiajd ms<sn| w;sf¾l fldkafoais fyda fjk;a

hï b,a ïm;%hl i|yka fjk;a hï kshuhka iy fldkafoais w;r hï

wkkql+,;djhla mej;sh fyd;a" miqj i|ykajk kshuhka iy fldkafoais

n,d;aul fõ¦

^wd& fuu iïu; kshuhka iy wod< m%dfoaYSh Wmldrl kshuhka w;r hï

wkql+,;djhla mej;shfyd;a túg" m%dfoaYSh Wmldrl kshuhka n,d;aul fõ¦

iy

^we& .súiqfï bx.%Sis wkqjdoh iy hï mßj¾;khka w;r wkql+,;djhla

mej;shfyd;a túg bx.S%is mßj¾;kh n,d;aul fõ'

20'10' fjkia l< yels nj (

.súiqfï fyda fiajdfjys hï fjkila iy tu fjkialu n,d;aul jk Èkh wm

úiska Tng oekqï fokq ,efí'

20'11' úfNaoHlrKh (

.súiqfï hï kshuhla hï wêlrK n,m%foaYhl oS wj,x.=" n,d;aul fkdjk fyda

kS;s úfrdaë fõ kï" tu kshuh muKla tu wêlrK n,m%foaYhg muKla fjkalr

;nkq ,efí'

20'12' iduqysl whs;sjdislï (

.súiqu hgf;a jk md¾Yajlrejkaf.a whs;sjdislï" fjk;a ´kEu whs;sjdislulg

wu;rj .súiqug iajdëkj jkafka h'

20'13' whs;sjdislï l%shd;aul lsÍu (

fuu .súiqu hgf;a hï whs;sjdislula fyda m%;sl¾uhla wm úiska iïmQ¾Kfhka

l%shd;aul lrkq fkd,nk wjia:djl §" wm úiska u tu whs;sh fyda m%;sl¾uh m%udo

ù l%shd;aul lrkq we;'

26

20'14' wkqmsgm;a (

.súiqug msgm;a .Kkdjla wka;¾.; úh yels w;r" tu msgm;a .súiqfuys tla fyda

jeä md¾Yaj .Kkdjla úiska w;aika lrkq ,eìh hq;= h' tu w;aika lrk ,o msgm;a

tla f,aLkhla ixhqla; lrkq ,nhs'

20'15' ;=kajk md¾Yaj whs;sjdislï (

.súiqfuys wkHldrhlska m%ldYlr we;akï ñi(

^w& fuu .súiqfï md¾Yajhla fkdjk hï ;eke;a;l= fj; ta hgf;a jq hï

m%;s,dNhla N=la;sú£ug fyda n,d;aul lrjd .ekSug whs;shla fkdue;¦ iy

^wd& fuu .súiqfï md¾Yajhla fkdjk hï ;eke;a;l=f.a leue;a; tu .súiqu

ixfYdaOkh i|yd wjYH fkdfõ(

21' w;rueÈhka

21'1' Tn ;=kajk md¾Yajhla fjkqfjka l%shd lrkq ,nk w;rueÈhl= kï" Tn úiska (

^w& Tn úsiska wmg ksfhdackh lrkqfha"

^i& hï wod< kS;shla fyda ´kEu wêldßhl ksfhda.hla m%ldrj Tnf.a

.kqfokqlre ms<sn| ish¨ úuiSï iy fjk;a uqo,a úY=oaêlrK úfrdaë

mßlaId lsÍï bgqlr we;s njg iy ^;=kajk md¾Yaj wkkH;dj

;yjqrelSÍu iy wruqo,a m%Njh fuka u tu ;=kajk md¾Yaj

.kqfokqj, iajNdjh we;=¿j& Tnf.a wNHka;r m%;sm;a;s bgqlr we;s

njg¦ iy

^ii& ;=kajk md¾Yajh úiska fh§ isák hï iel lghq;= l%shdldrlï

wkdjrKh lrf.k jd¾;d lsÍu i|yd WÑ; l%shdud¾. f.k we;s

njg¦

^wd& by; ^w& Wm-fþofha i|yka f;dr;=re hdj;ald,Sk lr we;s njg wm fj;

iy;sl úh hq;=h'

fuys isxy, yd bx.%sis NdId mdG w;r hï wkkql+,;djhla we;s jqjfyd;a" túg bx.%sis NdId

mdGh n,meje;aúh hq;=h'