kit carson personnel policy 2016

8/2/2019 Kit Carson Personnel Policy 2016

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Bjt Gmrshi GhuitySarshiia` Sh`jgjas

3 | S m n a Mehptae =;/=1/=1 dhr jfp`afaitmtjhi =/=/;3=4

Sarshiia` & Afp`hyfaitSh`jgjas hd

Bjt Gmrshi Ghuity


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= | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Umkà hd Ghitaits

Umkà hd Ghitaits........................................................................ =Jitrheugtjhi............................................................................... 7â`ghfa..................................................................................... 5

Fjssjhi Wtmtafait...................................................................... 5Glmptar J Afp`hyfait................................................................ 1Aqum` Afp`hyfait Hphrtuijty (AAH) Sh`jgy ....................................... 1MEM & [a`jnjhus Mgghffhemtjhi ..................................................... 1AAH Lmrmssfait ............................................................................ 1Waxum` Lmrmssfait ...................................................................... 1Ghfp`mjit Srhgaeura (AAH/MEM/Waxum` Lmrmssfait) ......................... 4Srhkàf [ashùtjhi Naiarm` .......................................................... 4Afp`hyaa G`mssjdjgmtjhi Wtmtus ........................................................ 4Afp`hyfait hd [a`mtjvas ................................................................ >Sarshiia`/Afp`hyaa [aghres ........................................................... >Sardhrfmiga Mpprmjsm`s .................................................................. .1 Axafpt Afp`hyaa

Mi afp`hyaa wlh js iht a`jnjkà dhr hvartjfa pmy. Axafpt afp`hyaas mra pmje hi m sm`mry kmsjs, mie fust

faat gartmji grjtarjm uiear tla Dmjr @mkhr Wtmiemres Mgt (D@WM).

=3>.4 Ihi-Axafpt Afp`hyaa

Ihi-axafpt afp`hyaas mra a`jnjkà th amri ghfpaismthry tjfa mt hia mie hia-lm`d tjfas tlajr ranu`mrrmta hd pmy dhr m`` lhurs whrbae ji axgass hd 53.3 lhurs par whrbwaab, hr htlar spagjdjae whrb parjhe par

tla Dmjr @mkhr Wtmiemres Mgt. Hvartjfa js njvai ms ghfpaismthry tjfa mie wj`` iht ka pmje hut uiàss

mpprhvae ky tla khmre hd ghffjssjhiars. Miy ghfpaismthry tjfa wj`` ka pmje hut wlai tla afp`hyaakaghfas sapmrmtae drhf afp`hyfait wjtl tla ghfpmiy.

=3< AFS@HZFAIU HD [A@MUJTAW

Ula Ghuity fmy ljra ra`mtjvas hd gurrait afp`hyaas axgapt ji tla dh``hwjin sjtumtjhis?

[a`mtjva whuè ka ji m phsjtjhi th ejragt`y suparvjsa mihtlar ra`mtjva.

[a`mtjvas lmva mggass th ghidjeaitjm` jidhrfmtjhi jigùejin parshiia` raghres.

[a`mtjvas whuè muejt, varjdy, ragajva, hr mra aitrustae wjtl fhiay lmieàe ky mihtlar ra`mtjva.

M ra`mtjva js eadjiae ms pmrait, sphusa, gljè, nrmiegljè, nrmiepmrait, krhtlar, sjstar, iaplaw, ijaga,muit, mie uigà mie gurrait ji-`mws hd tla smfa ra`mtjhisljp.

Ji tla avait twh afp`hyaas fmrry mie hia hd tla mkhva sjtumtjhis mpp`jas, tla Ghuity wj`` try th mrrminam trmisdar. Jd ih sugl trmisdar js mvmj`mkà, hia hd tla afp`hyaas fust tarfjimta wjtlji ijiaty (:3) emysdrhf tla emta hd fmrrjmna. Ula eagjsjhi ms th wljgl hia rasjnis wj`` ka àdt th tla twh afp`hyaas.

Ulasa nujea`jias mpp`y th m`` gmtanhrjas hd afp`hyfait, jigùejin du``-tjfa, pmrt-tjfa, mie tafphrmryg`mssjdjgmtjhis. Ulay m`sh mpp`y th m`` ra`mtjvas mie th jiejvjeum`s wlh mra iht anm``y ra`mtae, kut wlh

rasjea wjtl mihtlar afp`hyaa. Jt js tla afp`hyaa's rasphisjkj`jty th ejsg`hsa sugl m ra`mtjhisljp. Dmjùra th

eh sh fmy rasu`t ji ejsgjp`jimry mgtjhi.

=3: SA[WHIIA@/AFS@HZAA [AGH[EW

Ula Ghuity fmjitmjis parshiia` djàs hi amgl afp`hyaa. Ulasa djàs ghitmji gartmji ehgufaitmtjhi

ranmrejin mspagts hd tla afp`hyaas afp`hyfait wjtl tla ghuity, sugl ms pardhrfmiga mpprmjsm`s,

kaiadjgjmry easjnimtjhi dhrfs, gartjdjgmtjhis, àttars hd ghffaiemtjhi, atg. Jd yhu wmit th hhb mt yhur djàhr ejsguss jt wjtl shfahia, ghitmgt tla Lufmi [ashurgas Hddjga th sglaeuà mi mpphjitfait.

Uh aisura tlmt yhur parshiia` djà js up-th-emta mt m`` tjfas, ihtjdy tla Lufmi [ashurgas Hddjga hd miyglminas ji tla dh``hwjin? Zhur imfa, taàplhia iufkar, lhfa meerass, fmrjtm` stmtus, iufkar hd

eapaieaits, kaiadjgjmry easjnimtjhis, aeugmtjhi mie trmjijin, afarnaigy ghitmgt imfas & taàplhia

iufkars, mie miy htlar raàvmit jidhrfmtjhi.

Naiarm``y, tla afp`hyaas' hddjgjm` parshiia` djàs mra bapt ji tla Lufmi [ashurgas Hddjga (uiàss stmtuta hr

ranu`mtjhis raqujra ejddarait `hgmtjhi). Ji tlhsa sjtumtjhis, m ghfpralaisjva suppàfaitm` djà wj`` ka


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< | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

sukfjttae th tla Lufmi [ashurgas Hddjga. Mggass th m`` parshiia` djàs, ranmreàss hd wlara tlay mra

bapt, js nhvariae ky G.[.W. ;5->;-;35, ranmrejin m``hwmigas hr eaijm` hd puk`jg raghres.

Ghpjas hd miy parshiia` mgtjhis tmbai dhr hr mnmjist mi afp`hyaa fust ka sukfjttae th tla Lufmi

[ashurgas Hddjga ji hrear th fmjitmji mi mggurmta mie gurrait raphrtjin hd tla afp`hyaa's stmtus.

==3 SA[DH[FMIGA MSS[MJWM@W

Avmùmtjin afp`hyaa ohk pardhrfmiga mie prhvjejin daaekmgb js mi jfphrtmit dmgthr ji fmbjinafp`hyfaitra`mtae eagjsjhis. Sàmsa ghitmgt mie mevjsa yhur suparvjshr hr Lufmi [ashurgas jd fhratlmi m yamr lms pmssae sjiga ragajvjin dhrfm` daaekmgb.

=== OHK SHWUJIN

[aghnijzjin tla iaae th dj`` mvmj`mkà phsjtjhis wjtl tla kast-qum`jdjae pahpà, tla Ghuity fmy ragrujt drhfhutsjea ms wa`` ms ghisjear qum`jdjae gmiejemtas ji tla Ghuity.

Ihrfm``y, ohk hpaijins mra phstae ji tla ghuity mpphjitae iawspmpar mie hi tla ghuity waksjta.Afp`hyaas fmy sukfjt mpp`jgmtjhis th Lufmi [ashurgas hddjga.

==; E[QN UAWUJIN

Mpp`jgmits mnraa th ka tastae ms m ghiejtjhi hd afp`hyfait mie mra iht ljrae jd tlay prheuga m phsjtjvatast. M phsjtjva tast rasu`t hr radusm` th tmba tla tast slm`` rasu`t ji tla jiejvjeum` ih hinar kajin

ghisjearae dhr afp`hyfait wjtl tla Ghuity. Ji meejtjhi, rmiehf erun tastjin wj`` ka raqujrae dhr m``

afp`hyaas. Ulara mra sapmrmta ph`jgjas dhr Daearm` hr Ihi-Daearm` erun mie m`ghlh` tastjin eapaieait hiohk raqujrafaits.

==7 WASM[MUJHI D[HF AFS@HZFAIU

Ula Ghuity raquasts m`` afp`hyaas njva mt àmst twh (;) waabs ihtjga hd tlajr jitait th rasjni. Ula Ghuityraqujras tlmt afp`hyaas wlh wjsl th rasjni tlajr phsjtjhis ihtjdy tlajr suparvjshr jffaejmta`y. Wuparvjshr

fust ihtjdy Lufmi [ashurgas Eapmrtfait hd tla afp`hyaasjitait th rasjni wjtlji hia (=) whrbjin emy.

Mt tlmt tjfa, mi mpphjitfait wj`` ka sglaeuàe wjtl tla afp`hyaa hd tlajr mitjgjpmtae eapmrtura emta mie

th nh hvar tla glagb hut prhgaeuraswjtl tla Lufmi [ashurgas Hddjga. Uljs jigùeas ghivarsjhi hdjisurmiga, raturi hd prhparty, ea`jvary hd djim` pmyglagb, atg.

Afp`hyaas wlh p`mi th ratjra mra msbae th prhvjea suddjgjait tjfa th prhgass paisjhi dhrfs th aisura tlmtratjrafait kaiadjts ghffaiga ji m tjfa`y fmiiar.

==5 A\JU JIUA[TJA^W

Axjt jitarvjaws wjtl tla Lufmi [ashurgas Hddjga mra ihrfm``y sglaeuàe dhr hutnhjin afp`hyaas. Ula

purphsas hd tljs jitarvjaw mra th ravjaw a`jnjkj`jty dhr kaiadjt ghitjiumtjhi mie ghivarsjhi, th aisura tlmtiagassmry dhrfs mra ghfpàtae, th gh`àgt m`` ghuity prhparty tlmt fmy ka ji tla afp`hyaas phssassjhis(a.n., Ghuity graejt gmres, bays, jeaitjdjgmtjhi gmres, atg.), mie th prhvjea afp`hyaas wjtl mi hpphrtuijty

th ejsguss tlajr ohk-ra`mtae axparjaiga.

==1 [ALJ[A

Afp`hyaas ghisjearae dhr raljra wjtl tla Ghuity wj`` iaae th faat smtjsdmgthry pardhrfmiga mie

mttaiemiga stmiemres. Afp`hyaas sapmrmtae drhf afp`hyfait tlrhunl ih dmu`t hd tlajr hwi ji tlaouenfait hd tla Ghuity fmy m`sh ka ghisjearae dhr raljra. Miy parshi saabjin raljra fmy eh sh kympp`yjin th tla Lufmi [ashurgas Hddjga.

Uypjgm``y, parshis ejsglmrnae drhf afp`hyfait mra iht ghisjearae dhr raljra.


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: | S m n a Mehptae =;/=1/=1 dhr jfp`afaitmtjhi =/=/;3=4

GLMSUA[ JJ LHQ[W HD ^H[B

;3= LHQ[W HD ^H[B/^H[B^AAB

Ihrfm``y, hur whrbemy kanjis mt


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=3 | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Afp`hyaas iht mt whrb wlai tla g`hsura js mutlhrjzae kagmusa tlay mra hi àmva wj`` lmva tla tjfaglmrnae mnmjist tlajr àmva mggrum`s ms tlhunl tla hddjga/eapmrtfait lme rafmjiae hpai.

Afp`hyaas wlh, dhr parshim` ramshis, wjsl th àmva whrb amr`y eurjin savara wamtlar ghiejtjhisfmy eh sh wjtl parfjssjhi drhf tlajr suparvjshr, mie slm`` ka glmrnae àmva tjfa dhr tla lhurstlay mra mksait drhf whrb. Jd àmva js iht mvmj`mkà, jt wj`` ka glmrnae ms àmva wjtlhut pmy.

Afp`hyaas wlh eh iht ghfa th whrb eua th wamtlar ghiejtjhis wlai m g`hsura lms iht kaaimutlhrjzae slm`` ka glmrnae àmva tjfa dhr tlajr ranu`mr whrbemy, hr jd àmva js iht mvmj`mkà, jt wj``ka glmrnae ms àmva wjtlhut pmy.

Whfa Ghuity sarvjgas mra raqujrae ranmreàss hd tla wamtlar. Aàgtae hddjgjm`s/eapmrtfait lamesrasphisjkà dhr prhvjejin tlasa iagassmry sarvjgas wj`` spagjdy wljgl afp`hyaas mra th raphrt th whrb, miefmba tla prhpar ihtjdjgmtjhis (jd raqujrae).

GLMSUA[ JJJ GHFSAIWMUJHI MIE SMZ[H@@

73= GHFSAIWMUJHI MEFJIJWU[MUJHI

Ula Ghuity ghisjears m iufkar hd dmgthrs jigùejin hrnmijzmtjhim` addagtjvaiass, hur iaae dhr

mttrmgtjin/ratmjijin qum`jdjae mie tmàitae afp`hyaas, ms wa`` ms hur djimigjm` phsjtjhi. Dhur fmji thh`smra utj`jzae th eatarfjia ghfpaismtjhi.

Ohk Easgrjptjhi M`` hd hur ohks lmva kaai eadjiae ji m wrjttai ohk easgrjptjhi. Ulasa typjgm``yjeaitjdy tla purphsa, rasphisjkj`jtjas, qum`jdjgmtjhis, mie mgghuitmkj`jtjas hd tla ohk.

Ohk Avmùmtjhi Uljs js m prhgass usae th rmta m phsjtjhi wjtlji tla hrnmijzmtjhim` strugtura hd tlaGhuity. Ula purphsa js th astmk`jsl tla ra`mtjhisljp hd amgl ohk ji ghfpmrjshi th htlar ohks wjtlji

tla hrnmijzmtjhi.

Wm`mry [minas Gurrait`y wa lmva m dhrfm` sm`mry strugtura ji mi mttafpt th baap hur sm`mrjasm`jniae wjtl ghfpmrmkà fmrbats. Ulasa rminas mra eava`hpae ky kàiejin hur ghfpaismtjhi

plj`hshply, sm`mry survay emtm, mie gurrait aghihfjg mie djimigjm` ghiejtjhis.

Sardhrfmiga Mpprmjsm` Uljs prhgass famsuras mi afp`hyaas eafhistrmtae ohk pardhrfmiga mierasu`ts mgljavae. Lhw wa`` m ohk js pardhrfae js hia hd tla fmohr dmgthrs tlmt eatarfjia a`jnjkj`jty

dhr m farjt jigramsa.

Ji usjin tla mkhva thh`s tla Khmre hd Ghuity Ghffjssjhiars fmy mehpt m g`mssjdjgmtjhi mie ghfpaismtjhi

p`mi dhr m`` ghuity afp`hyaas pmje ji wlhà hr ji pmrt ky tla ghuity. Glminas ji kaiadjts, pmy nrmeas, mie

ohk g`mssjdjgmtjhis hd afp`hyaas slm`` tlaramdtar ka fmea ji mgghremiga wjtl tla p`mi ms astmk`jslae ky`mw.

73=.= WUAS & N[MEA S@MI

Ula Ghffjssjhiars rasarva tla rjnlt th draaza tla p`mi eua th kuenatmry ghistrmjits.

M`` du``-tjfa afp`hyaas tlmt whrb mt àmst m 7; lhur wj`` ka hi tla stap & nrmea p`mi. Amgl stap js $;13.33^lai mi afp`hyaa js ljrae, la/sla wj`` ka p`mgae hi m stap & nrmea ky raghffaiemtjhi drhf tlaEapmrtfait Lame mie djim` eagjsjhi ky tla Khmre hd Ghuity Ghffjssjhiars.

M`` iaw ljras kanji wjtl m trjm` parjhe hd sjx fhitls. Mt tla aie hd sjx fhitls la/sla wj`` ragajva mpardhrfmiga mpprmjsm`. Jd tla mpprmjsm` js uismtjsdmgthry, la/sla wj`` ajtlar ka àt nh hr njvai mi axtaieae

jitrheugthry parjhe ms eadjiae ky tla Eapmrtfait Lame. Mi afp`hyaa wj`` iht fhva th tla iaxt stap uitj`

la/sla ragajvas m kattar tlmi smtjsdmgthry pardhrfmiga mpprmjsm`. Wtap jigramsas mra raquastae ky tlaeapmrtfait lame wjtl tla djim` mpprhvm` hd tla Khmre hd Ghuity Ghffjssjhiars.


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== | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Jd m ghst hd `jvjin jigramsa js nrmitae th m`` afp`hyaas, tla pmy mie ghfpaismtjhi p`mi wj`` ka meoustae

mgghrejin`y. Ula Ghffjssjhiars rasarva tla rjnlt th draaza tla p`mi eua th kuenatmry ghistrmjits.

Ohk easgrjptjhis mie miy ravjsjhis wj`` ka gramtae, fmjitmjiae mie jssuae th tla afp`hyaa ky tla Aàgtae

Hddjgjm` hr Eapmrtfait Lame. Mt ih tjfa wj`` m ohk easgrjptjhi ka ejstrjkutae wjtlhut tla easgrjptjhis djim`mpprhvm` hd tla Aàgtae Hddjgjm`, Eapmrtfait Lame mie tla Khmre hd Ghuity Ghffjssjhiars.

73; SMZ DH[ A\AFSU AFS@HZAAW

Jt js hur nujea`jia th ghfp`y wjtl tla sm`mry kmsjs raqujrafaits hd tla Dmjr @mkhr Wtmiemres Mgt (D@WM).Axafpt afp`hyaas fust ka pmje hi m sm`mry kmsjs. Uljs famis axafpt afp`hyaas wj`` ranu`mr`y ragajva mpra-eatarfjiae mfhuit hd ghfpaismtjhi dhr amgl pmy parjhe. Axafpt afp`hyaas mra axpagtae th whrb

dhrty (53) lhurs par whrb mie miy lhurs hvar tla dhrty (53) lhurs par waab ms iagassmry th du`dj`` tla ohkraqujrafaits. M tjfa slaat fust ka prasaitae fhitl`y slhwjin sugl lhurs whrbae hr usae dhrvmgmtjhi/sjgb tjfa. Ula Ghuity js ghffjttae th ghfp`yjin wjtl sm`mry kmsjs raqujrafaits wljgl m``hws

prhpar`y mutlhrjzae eaeugtjhis.

Eaeugtjhis drhf sm`mrjas tlmt mra parfjssjkà?

Sarshim` mksaigas. Afp`hyars fmy eaeugt dhr du`` emy mksaigas dhr parshim` ramshis htlar tlmi

sjgbiass hr ejsmkj`jty. Mksaigas dhr j`ìass hr jioury. Afp`hyars fmy eaeugt dhr du`` emy mksaigas eua th j`ìass hr jioury

jd khim djea sjgb pmy/ejsmkj`jty p`mis mra ji p`mga.

Mksaigas dhr DF@M @amva.Afp`hyars fmy eaeugt dhr du`` emy mksaigas tmbai ms DF@M àmva miepmrtjm` emy mksaigas dhr lhurs tmbai ms jitarfjttait hr raeugae DF@M àmva.

Hddsats.Afp`hyars fmy hddsat afp`hyaas pmy dhr mfhuits ragajvae ky tla afp`hyaa dhr oury daas,wjtiass daas, hr fj`jtmry pmy.

Jidrmgtjhis hd Wmdaty [uàs. Afp`hyars fmy eaeugt dhr paim`tjas jfphsae wlai sm`mrjae afp`hyaasvjh`mta smdaty ruàs hd fmohr sjnijdjgmiga.

Jidrmgtjhis hd whrbp`mga ghieugt ruàs. Afp`hyars fmy suspaie axafpt afp`hyaas wjtlhut pmy dhr

du`` emy dhr jidrmgtjhis hd wrjttai whrbp`mga ghieugt ruàs, j.a., sarjhus whrbp`mga fjsghieugt suglms saxum` lmrmssfait, m`ghlh` & erun vjh`mtjhis, atg. Wugl mgtjhi whuè ka tmbai uphi ghfpàtjhi

hd mi jivastjnmtjhi hd tla sjtumtjhi ky tla Ghuity Mefjijstrmthr mie/hr easjniaa. Jd tla Ghuity

eatarfjias tlmt mi afp`hyaas kalmvjhr js ji vjh`mtjhi hd tljs jts parshiia` nujea`jias, tlai suglejsgjp`jimry mgtjhi wj`` ka tmbai.

Djrst hr `mst waabs hd afp`hyfait. Afp`hyars fmy fmba pmrtjm` waab pmyfaits eurjin miafp`hyaas djrst hr `mst waabs hdafp`hyfait.

Jd yhu ka`java mi jfprhpar eaeugtjhi lms kaai fmea th yhur sm`mry, yhu slhuè jffaejmta`y raphrt tljs

jidhrfmtjhi th yhur suparvjshr.

[aphrts hd jfprhpar eaeugtjhis wj`` ka prhfpt`y jivastjnmtae. Jd jt js eatarfjiae tlmt mi jfprhpar

eaeugtjhi lms hggurrae, yhu wj`` ka rajfkursae.

737 SMZ EMZ

Smyemys mra hi tla `mst kmibjin emy hd amgl fhitl mie ghvar tla jffaejmta`y pragaejin pmyrh`` parjhe.

Jd tla ranu`mr pmyemy hggurs hi m waabaie hr lh`jemy, tla pmyemy js hi tla `mst kmibjin emy prjhr th tlawaabaie hr lh`jemy.

Ih mevmiga wmnas wj`` ka pmje. Jd mi afp`hyaa's djrst emy hd whrb dm``s hi m Ghuity lh`jemy, tla afp`hyaa


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=; | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

wj`` iht ka pmje dhr tla lh`jemy. Ula Ghuity lms astmk`jslae prhgaeuras mie ruàs dhr tla sukfjttm` hd tjfa

slaats mie htlar jidhrfmtjhi, mie tlasa mra mvmj`mkà ji tla Lufmi [ashurgas Hddjga.

Ula Ghuity raqujras tlmt m`` afp`hyaas usa ejragt eaphsjt.

735 GHFSAIWMUH[Z UJFA

735.= Hvartjfa Smy Ts. Ghfpaismthry Ujfa

Ji mgghremiga wjtl tla Dmjr @mkhr Wtmiemres Mgt (D@WM), Bjt Gmrshi Ghuity lms m ph`jgy hd nrmitjin D@WMihi-axafpt afp`hyaas ghfpaismthry tjfa hdd ji `jau hd ghfpaismtjhi dhr lhurs whrbae ji axgass hd dhrty(53) lhurs par waab, hr htlar parfjssjkà whrb sglaeuàs dhr `mw aidhrgafait, samshim` mie htlar

afp`hyaas. Jt js jfphrtmit th rafafkar tlmt m`` hvartjfa fust ka mutlhrjzae mie mpprhvae ji mevmiga kyyhur suparvjshr.

Ghfpaismthry tjfa fust ka usae prjhr th vmgmtjhi lhurs.

735.; Ghfpaismthry tjfa Gm`gu`mtjhi

Ihi-axafpt afp`hyaas amri ghfpaismthry tjfa mt tla rmta hd hia mie hia-lm`d (= =/;) tjfas tlajr

ranu`mr`y lhur`y rmta dhr lhurs whrbae ji axgass hd dhrty (53) eurjin tlajr astmk`jslae whrbwaab.

@mw aidhrgafait & Mfku`miga parshiia` (D@WM eadjias tlaf ms afp`hyaas wlh mra afphwarae ky Wtmtahr `hgm` hrejimiga th aidhrga `mws easjniae th fmjitmji pamga mie hrear, prhtagt `jda mie prhparty, mie th

pravait mie eatagt grjfas2 wlh lmva tla phwar th mrrast2 mie wlh lmva uiearnhia trmjijin ji `mwaidhrgafait) whuè ragajva hvartjfa dhr lhurs whrbae ji axgass hd m whrb parjhe ghisjstjin hd (=>7.77lhurs) ji m twaity-ajnlt emy (;


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a`jnjkj`jty raqujrafaits, atg., pàmsa ghitmgt tla Lufmi [ashurgas Hddjga hr radar th tla vmrjhus Wuffmry

S`mi Easgrjptjhis. Ji tla avait tla mkhva jidhrfmtjhi ghid`jgts wjtl tla mgtum` tarfs mie ghiejtjhis hdghvarmna, tla `mttar nhvaris.

53= A@JNJKJ@JUZ

Ula Ghuity gurrait`y hddars m du`` rmina hd kaiadjts th ranu`mr du``-tjfa afp`hyaas mdtar tla djrst 43 (sjxty)emys hd afp`hyfait.

53; JIWQ[MIGA KAIADJU S@MIW

Ula Ghuitys ghfpralaisjva kaiadjts pmgbmna jigùeas m iufkar hd ejddarait p`mis dhr afp`hyaas. UlaGhuity gurrait`y hddars tlasa p`mis?

Faejgm` Jisurmiga S`mila`ps pmy ghvarae faejgm` axpaisas dhr yhu mie yhur eapaiemits.

Eaitm` Jisurmiga S`mi la`ps pmy ghvarae eaitm` axpaisas dhr yhu mie yhur eapaiemits.

Tjsjhi Jisurmiga S`mi la`ps pmy ghvarae vjsjhis axpaisas dhr yhu mie yhur eapaiemits.

@jda Jisurmiga S`miprhvjeas tarf jisurmiga ghvarmna dhr yhu mie yhur eapaiemits.Wuppàfaitm` `jda jisurmiga ghvarmna js m`sh mvmj`mkà.

Htlar Jisurmiga S`mis - vmrjhus typas hd htlar jisurmiga ghvarmna js m`sh mvmj`mkà. Ulasa jigùeagmigar, parshim` mggjeait, JGQ, ejsmkj`jty, mie sjfj`mr typas hd p`mis.

53;.= JIWQ[MIGA A@JNJKJ@JUZ

Ulara js up th m sjxty (43) emy wmjtjin parjhe dhr m`` iaw ljras dhr lam`tl jisurmiga kaiadjts. Miy iawafp`hyaa wj`` ragajva lam`tl jisurmiga kaiadjts kanjiijin hi tla =st emy hd tla fhitl, iht fhra tlmi43 emys dh``hwjin emta hd ljra.

53;.; JIWQ[MIGA HSUJHIW

=. Jisurmiga Hptjhis hd [anu`mr Du``-Ujfa Afp`hyaas mie Eapaieaits hd [anu`mr Du``-Ujfa

Afp`hyaas?

Qphi tla eamtl, ratjrafait, rasjnimtjhi, htlar ohk tarfjimtjhi hr mihtlar qum`jdjae avait uiearGHK[M, sugl ms mi afp`hyaas ànm` sapmrmtjhi hr ejvhrga drhf m sphusa hd m ranu`mr du``-tjfaafp`hyaa hr aàgtae hddjgjm`, la/sla ehas lmva tla rjnlt mie hptjhi, mt tlajr shà axpaisa, thghitjiua tlajr Faejgm` Jisurmiga ghvarmna, thnatlar wjtl tla Eaitm` mie @jda Jisurmiga ghvarmna,sukoagt th tla `jfjtmtjhis mie prhvjsjhis hd sugl ghitjiuae jisurmiga ghvarmna mie mpp`jgmkà `mw.

;. Ula prafjufs dhr tla Faejgm` Jisurmiga ghvarmna mie tla Eaitm` mie @jda Jisurmiga ghvarmna dhramgl Ghuity afp`hyaa mie/hr aàgtae hddjgjm` easgrjkae mkhva mra pmje hi m fhitl-th-fhitl kmsjsky tla Ghuity, tla mfhuit hd tla prafjufs mra eatarfjiae hi m fhitl-th-fhitl kmsjs mie mrasukoagt th tla prhvjsjhis ghitmjiae ji rashùtjhis pmssae mie mehptae ky tla Khmre hd Ghuity

Ghffjssjhiars mt tla miium` ra-hrnmijzmtjhim` faatjin.

53;.7 EAEQGUJK@A [AJFKQ[WAFAIU, D@A\ S@MI & LAM@UL WMTJINW MGGHQIU (LWM)

Ji ;3=5, tla BGG meeae m Lam`tl Wmvjins Mgghuit (LWM) hptjhi m`hin wjtl m iaw ljnl eaeugtjkàlam`tl p`mi (LELS).

M lam`tl smvjins mgghuit (LWM) js m tmx-axafpt mgghuit tlmt js sat up wjtl m qum`jdjae LWM trustaa thpmy dhr gartmji faejgm` axpaisas ms eadjiae ky tla J[W Suk`jgmtjhi :4:. BGG lms imfae FgGhhb


15/31



Imtjhim` Kmib mie Amstari Gh`hrmeh Kmib ms trustaas hd tlasa LWM mgghuits.

Kagmusa hd tla meeae jfpmgt th tla afp`hyaas hd BGG pmyjin m ljnl eaeugtjkà, tla ghuity wj``rajfkursa tla afp`hyaas dhr miy eaeugtjkà axpaisa up th tla fmxjfuf mfhuit par ph`jgy.Ghuityafp`hyaas fmy sukfjt m vhuglar wjtl m ghpy hd tla Axp`mimtjhi hd Kaiadjts (AHK) drhf tla jisurmigaghfpmiy dhr du`` rajfkursafait hd tla eaeugtjkà.

Uh mje ji tljs jijtjm` hutput hd tla eaeugtjkà axpaisa, BGG wj`` put tla djrst $;33.33 hd tla axpagtaeeaeugtjkà rajfkursafait jith mi LWM dhr tla afp`hyaa jd tla afp`hyaa glhhsas th lmva mi LWM. Ulaafp`hyaa fmy ghitjiua th fmba eaphsjts jith tlajr LWM tlrhunl pmyrh``. Ula LWM ka`hins th tlaafp`hyaa, avai jd tla afp`hyaa àmvas tlajr ohk wjtl BGG.

Miy afp`hyaa glhhsjin th hpai mi LWM wj` iaae th sukfjt AHKs dhr rajfkursafait th slhw tlaylmva axpaieae tla djrst $;33.33. Jd tla afp`hyaas ohk wjtl BGG aies kadhra tlay lmva axpaieae tlajijtjm` $;33.33 tlmt wms p`mgae jith tla LWM, tlai miy duies iht axpaieae up th tlmt $;33.33 wj`` kaglmrnae kmgb th tla afp`hyaa ji tla djim` pmy glagb.

BGG m`sh hddars afp`hyaas tla hptjhi hd Dàxjkà Wpaiejin Mgghuit (DWM) wljgl js m`sh m tmx-axafptmgghuit.

537 [AUJ[AFAIU

Ula Ghuity gurrait`y prhvjeas m ratjrafait prhnrmf wjtl Ghuity Afp`hyaa Hddjgjm` [atjrafait Msshgjmtjhi

(GGHA[M) dhr a`jnjkà afp`hyaas. Uljs js ji meejtjhi th yhur Whgjm` Wagurjty ghvarmna.

537.= [A]QJ[AFAIUW

^lai tla afp`hyaa js ljrae dhr afp`hyfait wjtl tla Ghuity jt js fmiemthry tlmt tla afp`hyaa airh``s ji tlaratjrafait p`mi. Ula afp`hyaa fust whrb dhr tla Ghuity mt àmst twaity (;3) lhurs par waab hr mi mvarmna hdtwaity (;3) lhurs par waab tlrhunlhut tla yamr, kut ih àss tlmi =,353 lhurs ji m twa`va (=;) fhitl parjheeurjin tla yamr th rafmji a`jnjkà dhr ratjrafait kaiadjts.

537.; GHIU[JKQUJHIW MIE FMUGL

Ula fjijfuf fhitl`y ghitrjkutjhi ky tla afp`hyaa js tlraa pargait (7%) hd tla afp`hyaa's fhitl`y sm`mrywjtl tla Ghuity fmbjin m fmtgljin ghitrjkutjhi hd tlraa pargait (7%), mie ih fhra, hd tla afp`hyaa's fhitl`ysm`mry.

Mi afp`hyaa, ji meejtjhi th tla fjijfuf tlraa pargait (7%) afp`hyaa ghitrjkutjhi, gmi ghitrjkuta up th mimeejtjhim` twaity-twh pargait (;;%) hd tla afp`hyaa's fhitl`y sm`mry. Ji ih avait gmi mi afp`hyaa fmba mghitrjkutjhi th tla afp`hyaa's ratjrafait p`mi hd fhra tlmi twaity-djva pargait (;1%) hd tla afp`hyaa'sfhitl`y sm`mry.

Afp`hyaa ghitrjkutjhis th tla afp`hyaa's ratjrafait p`mi gmi hi`y glmina higa ji miy gmàiemr yamr. Miy

glmina ji tla pargaitmna hd ghitrjkutjhi dhr miy yamr ji wljgl tla afp`hyaa js afp`hyae iaaes th ka fmea jiwrjtjin th tla Ghuity Djimiga Hddjga hi hr kadhra Omiumry =1tl hd tla gmàiemr yamr. Dhrfs mutlhrjzjin tlasaglminas mra mvmj`mkà drhf Lufmi [ashurgas.

537.7 TAWUFAIU

Afp`hyaas ljrae mdtar Omiumry =, ;3=7 wj`` ka hi m prhrmtae vastfait sglaeuà ms dh``hws?

Zamr =? 3% TastfaitZamr ;? ;3% Tastfait


16/31



Zamr 7? 53% Tastfait

Zamr 5? 43% TastfaitZamr 1? K hr m 51> [htl eadarraeghfpaismtjhi (vhùitaar) ratjrafait p`mi. Uljs mfhuit js iht fmtglae ky tla afp`hyar.

535 HULA[ KAIADJUW

Ula afp`hyaa lms tla hptjhi th pmrtjgjpmta ji miy hd tla dh``hwjin kaiadjt prhnrmfs?

Dàxjkà Wpaiejin Mgghuit (Wagtjhi =;1)- tlasa p`mis m``hw afp`hyaas th eaeugt gljègmra

axpaisa, faejgm` axpaisa mie faejgm` jisurmiga prafjufs drhf tlajr pra-tmx sm`mry.

51>K Eadarrae Ghfpaismtjhi prhnrmf m``hws mi afp`hyaa th eadar ghfpaismtjhi hi m pra-tmxkmsjs. Ula afp`hyaa js mkà th eadar tla tmx ghisaquaiga uitj` m dutura emta.

Htlar prhnrmfs mutlhrjzae ky tla Khmre hd Ghffjssjhiars.

531 WUMUQUH[Z KAIADJUW

Gartmji afp`hyaa kaiadjts mra raqujrae ky stmta hr daearm` `mw. Ulasa jigùea tla dh``hwjin?

Whgjm` Wagurjty (DJGM) prhnrmf js jitaieae th prhvjea yhu mie yhur dmfj`y wjtl sagurjty dhrratjrafait kaiadjts, ejsmkj`jty pmyfaits, djimigjm` mssjstmiga dhr eapaieaits hr ejsmkàe parshis,

ùfp suf eamtl pmyfaits, Faejgmra mie survjvhrs kaiadjts. Wpagjdjg jidhrfmtjhi js mvmj`mkà

tlrhunl yhur `hgm` hddjga hd tla Whgjm` Wagurjty Mefjijstrmtjhi.

^hrbars Ghfpaismtjhi Jisurmiga Ghuity gmrrjas jisurmiga th ghvar tla ghst hd m whrb-ra`mtaejioury hr j`ìass. Kaiadjts la`p pmy yhur faejgm` tramtfait mie fmy jigùea shfa ejsmkj`jty jighfa

wljà raghvarjin. Eatmjàe jidhrfmtjhi js njvai th yhu jd yhu mra jiourae hi tla ohk, hr suddar mi

hggupmtjhim` j`ìass.

Dhr fhra jidhrfmtjhi mkhut tlasa kaiadjts, pàmsa ghitmgt tla Lufmi [ashurgas Hddjga.

534 LH@JEMZW

Ula Ghuity gurrait`y hksarvas tla dh``hwjin lh`jemys ms emys hdd wjtl pmy?

Iaw Zamrs Emy

Srasjeaits Emy Nhhe Drjemy Fafhrjm` Emy Jieapaieaiga Emy @mkhr Emy Ghùfkus Emy

Tatarmis Emy

Ulmibsnjvjin Emy Drjemy mdtar Ulmibsnjvjin Glrjstfms Emy Ghuity Avaits Emy eurjin dmjr

Ula `jst hd mutlhrjzae lh`jemys js mpprhvae hi mi miium` kmsjs, mie fmy ka glminae mt tla ejsgratjhi hdtla Khmre hd Ghuity Ghffjssjhiars.


17/31



Wlhuè miy hd tla hksarvae lh`jemys hggur eurjin mi afp`hyaas vmgmtjhi parjhe, mi meejtjhim` emy hdvmgmtjhi fmy ka nrmitae. Uljs js ghisjearae Axtrm Lh`jemy tjfa.

Afp`hyaas fust ajtlar lmva whrbae hr kaai hi Ghuity pmje àmva tla du`` whrbjin emy kadhra mie tla djrstdu`` whrbjin emy mdtar tla lh`jemy ji hrear th ka nrmitae lh`jemy àmva wjtl pmy. Jd m iaw afp`hyaa's djrstemy hd whrb dm``s hi m Ghuity lh`jemy, tla afp`hyaa wj`` iht ka pmje dhr tla lh`jemy. Afp`hyaas hi m

naiarm` àmva hd mksaiga wjtlhut pmy hr hi whrb-ra`mtae jioury àmva, hr tafphrmry/pmrt-tjfa afp`hyaas

mra iht a`jnjkà dhr lh`jemy àmva wjtl pmy.

Lh`jemys mra iht ghuitae ms lhurs whrbae ji tla ghfputmtjhi hd hvartjfa.

534.= A\U[M LH@JEMZ

Ujfa amriae eurjin m lh`jemy waab js iht hvartjfa uiàss tla afp`hyaa plysjgm``y whrbs hvar 53 lhurs

tlmt waab ji meejtjhi th tla lhurs graejtae dhr tla lh`jemy. Ula tjfa amriae ji meejtjhi th tla lh`jemy wj``ka gm`àe Axtrm Lh`jemy hi tla pmy stuk. Uljs tjfa wj`` ka usae ky tla afp`hyaa ms Ghfpaismthry tjfa.

Ujfa amriae ji tljs dmsljhi js gm`gu`mtae ms strmjnlt tjfa mie fust ka usae wjtlji tla gmàiemr yamr tlmt jt

wms amriae. Axtrm Lh`jemy tjfa fust ka usae kadhra miium` àmva.

GLMSUA[ T @AMTAW/UJFA-HDD

13= KA[AMTAFAIU/DQIA[M@ @AMTA

M du``-tjfa afp`hyaa fmy ka nrmitae m àmva hd mksaiga wjtl pmy dhr m eamtl ji tla afp`hyaa's jffaejmtadmfj`y. Duiarm` àmva wj`` ka nrmitae ky tla afp`hyaas suparvjshr dhr m parjhe iht th axgaae tlraa (7) emys.(= waab dhr sphusa hr gljè.) Aitjtàfait th àmva hd mksaiga uiear tljs sagtjhi js ji meejtjhi th miy htlaraitjtàfait dhr sjgb àmva, afarnaigy àmva, hr miy htlar àmva. Dhr purphsas hd tljs sagtjhi, "jffaejmtadmfj`y" famis fhtlar, stapfhtlar, dmtlar, stapdmtlar, luskmie, wjda, shi, stapshi, emunltar, stapemunltar,krhtlar, sjstar, fhtlar-ji-`mw, dmtlar-ji-`mw, krhtlar-ji-`mw, sjstar-ji-`mw, nrmiepmraits, nrmiegljè, dhstarpmrait, dhstar gljè, hr miy htlar parshi ji tla ànm` phsjtjhi ms m pmrait. Hia (=) emy (jd iaaeae) js m``hwae dhrkajin m Sm``-Kamrar mie m`` htlar duiarm` tjfa hdd js th ka usae ms vmgmtjhi tjfa.

13; DMFJ@Z & FAEJGM@ @AMTA MGU (DF@M)

Ula Ghuity prhvjeas up th twa`va (=;) waabs hd uipmje, ohk-prhtagtae àmva th a`jnjkà afp`hyaas dhr tla

dh``hwjin ramshis?

Jigmpmgjty eua th pranimigy, praimtm` faejgm` hr gljè kjrtl2

Uh gmra dhr tla afp`hyaas gljè mdtar kjrtl, hr p`mgafait dhr mehptjhi hr dhstar gmra2

Uh gmra dhr tla afp`hyaas sphusa, shi hr emunltar, hr pmrait, wlh lms m sarjhus lam`tl ghiejtjhi2

Warjhus lam`tl ghiejtjhi tlmt fmbas tla afp`hyaa uimkà th pardhrf tla afp`hyaas ohk.

13;.= Fj`jtmry Dmfj`y @amva Aitjtàfaits

A`jnjkà afp`hyaas wjtl m sphusa, shi, emunltar, hr pmrait hi mgtjva euty hr gm`àe th mgtjva euty stmtus ji

tla Imtjhim` Numre hr [asarvas ji supphrt hd m ghitjinaigy hparmtjhi fmy usa tlajr twa`va (=;) waab àmva

aitjtàfait th meerass gartmji qum`jdyjin axjnaigjas. ]um`jdyjin axjnaigjas fmy jigùea mttaiejin gartmjifj`jtmry avaits, mrrminjin dhr m`tarimtjva gljègmra, meerassjin gartmji djimigjm` mie ànm` mrrminafaits,

mttaiejin gartmji ghuisa`jin sassjhis, mie mttaiejin phst-eap`hyfait rajitanrmtjhi krjadjins.

A`jnjkà afp`hyaas fmy m`sh tmba up th twaity-sjx (;4) waabs hd àmva th gmra dhr m ghvarae sarvjga fafkareurjin m sjinà twa`va (=;) fhitl parjhe. M ghvarae sarvjga fafkar js m gurrait fafkar hd tla Mrfae


18/31


=> | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Dhrgas, jigùejin m fafkar hd tla Imtjhim` numre hr [asarvas, wlh lms m sarjhus jioury hr j`ìass jigurraeji tla `jia hd euty hr hi mgtjva euty. Ula jioury hr j`ìass fust fmba tla sarvjga fafkar faejgm``y uidjt thpardhrf ljs hr lar eutjas dhr wljgl tla sarvjga fafkar js uiearnhjin faejgm` tramtfait, raguparmtjhi, hr

tlarmpy2 hr js ji hutpmtjait stmtus2 hr js hi tla tafphrmry ejsmkj`jty ratjrae `jst.

13;.; Kaiadjts & Srhtagtjhis

Eurjin DF@M àmva, tla Ghuity fmjitmjis tla afp`hyaas lam`tl ghvarmna uiear miy nrhup lam `tl p`mi hitla smfa tarfs ms jd tla afp`hyaa lme ghitjiuae th whrb. Afp`hyaas fust ghitjiua th pmy tlajr phrtjhi

hd miy jisurmiga prafjuf wljà hi àmva.

Jd tla afp`hyaa js mkà kut ehas iht raturi th whrb mdtar tla axpjrmtjhi hd tla àmva, tla afp`hyaa wj`` ka

raqujrae th rajfkursa tla Ghuity dhr pmyfait hd jisurmiga prafjufs eurjin àmva.

Qphi raturi drhf DF@M àmva, fhst afp`hyaas mra rasthrae th tlajr hrjnjim` hr aqujvmàit pmy, kaiadjts, mie

htlar afp`hyfait tarfs. Gartmji ljnl`y ghfpaismtae afp`hyaas (bay afp`hyaas) fmy lmva `jfjtae

rajistmtafait rjnlts.

Qsa hd DF@M àmva gmiiht rasu`t ji tla `hss hd miy afp`hyfait kaiadjt tlmt mggruae prjhr th tla stmrt hd mi

afp`hyaas amva. Ms wjtl htlar typas hd uipmje àmva, pmje àmva wj`` iht mggrua eurjin tla parjhe hd uipmjeàmva. Lh`jemys, duiarm` àmva, mie htlar typas hd àmva mra iht nrmitae hi uipmje àmva. Ula Ghuity gmiihnumrmitaa rajistmtafait axgapt ms prhvjeae dhr ky `mw ghigarijin Fj`jtmry @amva mie Dmfj`y Faejgm` @amva

13;.7 A`jnjkj`jty [aqujrafaits

Afp`hyaas mra a`jnjkà jd tlay lmva whrbae dhr tla Ghuity dhr mt àmst twa`va (=;) fhitls, dhr =,;13 lhurshvar tla pravjhus twa`va (=;) fhitls, mie jd tlay whrb mt m whrb sjta wjtl mt àmst djdty (13) afp`hyaas

wjtlji savaity-djva (>1) fjàs.

13;.5 Eadjijtjhi hd Warjhus Lam`tl Ghiejtjhi

M sarjhus lam`tl ghiejtjhi js mi j`ìass, jioury, jfpmjrfait, hr plysjgm` hr faitm` ghiejtjhi tlmt jivh`vas

ajtlar mi hvarijnlt stmy ji m faejgm` gmra dmgj`jty, hr ghitjiujin tramtfait ky m lam`tl gmra prhvjear dhr mghiejtjhi tlmt ajtlar pravaits tla afp`hyaa drhf pardhrfjin tla duigtjhis hd tla afp`hyaas ohk, hr pravaitsm qum`jdjae dmfj`y fafkar drhf pmrtjgjpmtjin ji sglhh` hr htlar emj`y mgtjvjtjas.

Wukoagt th gartmji ghiejtjhis, tla ghitjiujin tramtfait raqujrafait fmy ka fat ky m parjhe hd jigmpmgjty

hd fhra tlmi tlraa (7) ghisagutjva du`` gmàiemr emys ghfkjiae wjtl mt àmst twh (;) vjsjts th m lam`tl gmra

prhvjear hr hia vjsjt mie m ranjfai hd ghitjiujin tramtfait, hr jigmpmgjty eua th pranimigy, hr jigmpmgjtyeua th m glrhijg ghiejtjhi. Htlar ghiejtjhis fmy faat tla eadjijtjhi hd ghitjiujin tramtfait.

13;.1 Qsa hd @amva

Ula fmxjfuf tjfa m``hwae dhr DF@M àmva js ajtlar twa`va (=;) waabs ji tla twa`va (=;) fhitl parjhe mseadjiae ky tla ghuity, hr twaity-sjx (;4) waabs ms axp`mjiae mkhva. Ula Ghuity gurrait`y usas m rh``jin

twa`va (=;) fhitl parjhe famsurae kmgbwmre drhf tla emta mi afp`hyaa usas miy DF@M àmva.

Mi afp`hyaa ehas iht iaae th usa tljs àmva aitjtàfait ji hia k`hgb. @amva gmi ka tmbai jitarfjttait`yhr hi m raeugae àmva sglaeuà wlai faejgm``y iagassmry. Afp`hyaas fust fmba ramshimkà addhrts th

sglaeuà àmva dhr p`miiae faejgm` tramtfait sh ms iht th uieu`y ejsrupt tla Ghuitys hparmtjhis. @amva

eua th qum`jdyjin axjnaigjas fmy m`sh ka tmbai hi mi jitarfjttait kmsjs.

Afp`hyaas tmbjin jitarfjttait hr raeugae sglaeuà àmva kmsae hi p`miiae faejgm` tramtfait mie tlhsatmbjin jitarfjttait hr raeugae sglaeuà dmfj`y àmva wjtl tla Ghuitys mnraafait fmy ka raqujrae th


19/31


=< | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

tafphrmrj`y trmisdar th mihtlar ohk wjtl aqujvmàit pmy mie kaiadjts tlmt kattar mgghffhemtas tlmt typa hdàmva.

13;.4 Wukstjtutjhi hd Smje @amva dhr Qipmje @amva

Ula Ghuity raqujras afp`hyaas th usa mggruae pmje àmva wljà tmbjin DF@M àmva. Ji hrear th usa pmje

àmva dhr DF@M àmva, afp`hyaas fust ghfp`y wjtl tla Ghuitys ihrfm` pmje àmva ph`jgjas. Jd mi afp`hyaadmj`s th dh``hw tla Ghuitys ph`jgjas, tla afp`hyaa gmiiht usa mggruae pmje àmva, kut gmi tmba uipmje àmva

DF@M àmva js wjtlhut pmy wlai pmje àmva kaiadjts mra axlmustae.

13;.> Afp`hyaa [asphisjkj`jtjas

Afp`hyaas fust prhvjea tljrty (73) emys mevmiga ihtjga hd tla iaae th tmba DF@M àmva wlai tla iaae js

dhrasaamkà. ^lai tljrty (73) emys ihtjga js iht phssjkà, tla afp`hyaa fust prhvjea ihtjga ms shhi ms

prmgtjgmkà mie naiarm``y fust ghfp`y wjtl tla Ghuitys ihrfm`-gm`` ji prhgaeuras.

Afp`hyaas fust prhvjea suddjgjait jidhrfmtjhi dhr tla Ghuity th eatarfjia jd tla àmva fmy qum`jdy dhr tla

DF@M prhtagtjhi mie tla mitjgjpmtae tjfjin mie eurmtjhi hd tla àmva. Wuddjgjait jidhrfmtjhi fmy jigùea

tlmt tla afp`hyaa js uimkà th pardhrf ohk duigtjhis2 tla dmfj`y fafkar js uimkà th pardhrf emj`y mgtjvjtjas,tla iaae dhr lhspjtm`jzmtjhi hr ghitjiujin tramtfait ky m lam`tl gmra prhvjear, hr gjrgufstmigas supphrtjintla iaae dhr fj`jtmry dmfj`y àmva. Afp`hyaas fust m`sh jidhrf tla Ghuity jd tla raquastae àmva js dhr m

ramshi dhr wljgl DF@M àmva wms pravjhus`y tmbai hr gartjdjae.

Afp`hyaas m`sh fmy ka raqujrae th prhvjea m gartjdjgmtjhi mie parjhejg ragartjdjgmtjhi supphrtjin tla iaae

dhr àmva. Ula Ghuity fmy raqujra saghie mie tljre faejgm` hpjijhis mt tla Ghuitys axpaisa.Ehgufaitmtjhi ghidjrfjin dmfj`y ra`mtjhisljp, mehptjhi hr dhstar gmra fmy ka raqujrae. Jd ihtjdjgmtjhi miempprhprjmta gartjdjgmtjhi mra iht prhvjeae ji m tjfa`y fmiiar, mpprhvm` dhr amva fmy ka eaijae. Ghitjiuaemksaiga mdtar eaijm` hd àmva fmy rasu`t ji ejsgjp`jimry mgtjhi ji mgghremiga wjtl tla Ghuitys mttaiemiga

nujea`jia. Afp`hyaas hi àmva fust ghitmgt tla Lufmi [ashurgas Hddjga mt amst twh (;) emys kadhra tlajr

djrst emy hd raturi.

13;.< Ghuitys [asphisjkj`jtjas

Ula Ghuity wj`` jidhrf afp`hyaas raquastjin àmva wlatlar tlay mra a`jnjkà uiear DF@M. Jd tlay mra, tlaihtjga wj`` spagjdy miy meejtjhim` jidhrfmtjhi raqujrae ms wa`` ms tla afp`hyaas rjnlts mie rasphisjkj`jtjasJd tlay mra iht a`jnjkà, tla Ghuity wj`` prhvjea m ramshi dhr tla jia`jnjkj`jty. Ula Ghuity wj`` jidhrf

afp`hyaas jd àmva wj`` ka easjnimtae ms DF@M-prhtagtae mie tla mfhuit hd àmva ghuitae mnmjist mi

afp`hyaasàmva aitjtàfait. Jd tla Ghuity eatarfjias tlmt tla àmva js iht DF@M-prhtagtae, tla Ghuity

wj`` ihtjdy tla afp`hyaa.

13;.: Qi`mwdu` Mgts

DF@M fmbas jt ui`mwdu` dhr tla Ghuity th?

Jitardara wjtl, rastrmji, hr eaiy tla axargjsa hd miy rjnlt prhvjeae uiear DF@M2

Ejsglmrna hr ejsgrjfjimta mnmjist miy parshi dhr hpphsjin miy prmgtjga fmea ui`mwdu` ky DF@M hrdhr jivh`vafait ji miy prhgaaejin uiear hr ra`mtjhi th DF@M.

13;.=3 Aidhrgafait

Mi afp`hyaa fmy djà m ghfp`mjit wjtl tla Q.W. Eapmrtfait hd @mkhr hr fmy krjin m prjvmta `mwsujt mnmjisttla Ghuity.

DF@M ehas iht mddagt miy daearm` hr stmta `mw prhljkjtjin ejsgrjfjimtjhi, hr suparsaea miy stmta hr `hgm` `mw

hr gh`àgtjva kmrnmjijin mnraafait wljgl prhvjeas nramtar dmfj`y hr faejgm` àmva rjnlts.

137 OQ[Z/^JUIAWW EQUZ


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=: | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

137.= Oury Euty

Ula Ghuity raghnijzas oury euty ms m gjvjg rasphisjkj`jty hd avaryhia. ^lai suffhiae dhr oury euty, mi

afp`hyaa wj`` ka nrmitae àmva th pardhrf tlajr euty ms m ourhr. Ula afp`hyaa fust fmba sura tlmt tlajr

suparvjshr js ihtjdjae hd tljs saàgtjhi dhr oury euty. Jd tla afp`hyaa js axgusae drhf oury euty eurjin ranu`mrwhrb lhurs, tlay mra axpagtae th raphrt th whrb prhfpt`y.

Afp`hyaas ragajva ranu`mr pmy dhr tla djrst tlraa (7) emys hd oury euty jd tlay wara sglaeuàe th whrb mie

m ourhr sarvjga gartjdjgmta js sukfjttae. Ih m``hwmiga slm`` ka njvai dhr "hvartjfa" ji sjtumtjhis wlara tlaoury js raqujrae th stmy pmst ihrfm` whrbjin lhurs. Kanjiijin tla dhurtl emy mie tlaramdtar, afp`hyaas

sarvjin ms m ourhr mra pmje m sat daa par emy ky tla Wtmta hd Gh`hrmeh dhr stmta ejstrjgt hr ghuity ghurts.

137.; ^jtiass Euty

Afp`hyaas wlh mra raqujrae th mppamr ms wjtiassas ji gmsas tlmt ra`mta ejragt`y th tlajr afp`hyfait wjtl

tla Ghuity wj`` ka nrmitae ghurt àmva wjtl pmy hi tla ghiejtjhi tlmt miy ghfpaismtjhi ragajvae dhr sugl

sarvjgas eurjin whrbjin emys slm`` ka njvai th tla Ghuity.Afp`hyaas wlh mra raqujrae th mppamr ji ghurt hi fmttars tlmt eh iht ra`mta ejragt`y th tlajr eutjas (ouryeuty axgaptae), wj`` iht ka nrmitae ghurt àmva. Tmgmtjhi, ghfpaismthry àmva hr naiarm` àmva wjtlhut pmy

fmy ka mutlhrjzae.

135 @AMTA ^JULHQU SMZ

@amva wjtlhut pmy fmy ka mvmj`mkà dhr afp`hyaas dmgjin m sjtumtjhi tlmt raqujras tjfa hdd ji axgass hd tlajr

mggrum`s. [aquasts dhr naiarm` àmva wjtlhut pmy fust ka mutlhrjzae ky tla afp`hyaa's AàgtaeHddjgjm`/eapmrtfait lame. Afp`hyaas iaae th stmta tla ramshi dhr tla àmva raquast mie tjfa hd eurmtjhiDmjùra th hktmji mutlhrjzmtjhi hr htlar sugl typas hd mkusa fmy rasu`t ji ejsgjp`jimry mgtjhi. Afp`hyaa

raquasts dhr àmva wjtlhut pmy ji axgass hd tai (=3) whrb emys fust ka sukfjttae th tla Khmre hd Ghuity

Ghffjssjhiars dhr ravjaw mie mutlhrjzmtjhi. M fmxjfuf hd tljrty (73) emys fmy ka mutlhrjzae.

Ula Ghuity fmy ghitjiua th prhvjea lam`tl jisurmiga kaiadjts uitj` tla aie hd tla fhitl ji wljgl tla

mpprhvae àmva kanjis. Mt tlmt tjfa, tla afp`hyaa wj`` ka rasphisjkà dhr tla du`` ghsts hd tlajr lam`tljisurmiga kaiadjts jd tla afp`hyaa wjslas ghvarmna th ghitjiua. Ula Ghuity wj`` rasufa pmyfait hd jtsslmra hd tla ghsts hd tlasa kaiadjts wlai tla afp`hyaa raturis th mgtjva afp`hyfait.

Kaiadjt mggrum`s (a.n., vmgmtjhi & sjgb àmva, atg.) mra suspaieae eurjin tla àmva mie fmy rasufa uphiraturi th mgtjva afp`hyfait.

^lai àmva aies, tla afp`hyaa fmy raturi th tla smfa phsjtjhi, jd mvmj`mkà, hr th m sjfj`mr hia dhr wljglqum`jdjae, wlara prmgtjgm`. Jd tla pravjhus phsjtjhi hr m ghfpmrmkà hia js iht mvmj`mkà, tla afp`hyaa fmympp`y dhr mihtlar phsjtjhi tlmt js mvmj`mkà mie sujtmkà. Ula Ghuity gmiiht numrmitaa rajistmtafait.

Jd mi afp`hyaa dmj`s th raphrt th whrb prhfpt`y mt tla aie hd tla mpprhvae àmva parjhe, tla afp`hyaa jstarfjimtae.

131 FJ@JUM[Z @AMTA

Afp`hyaas nrmitae m fj`jtmry amva hd mksaiga mra rajistmtae mie pmje ji mgghremiga wjtl tla mws nhvarijin

vatarmis ra-afp`hyfait rjnlts. Gurrait`y, tlasa raqujrafaits mra eadjiae ji tla Qijdhrf Warvjgasafp`hyfait mie [a-afp`hyfait [jnlts Mgt hd =::5 (QWA[[M) mie G.[.W. ;


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;3 | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Jt js yhur rasphisjkj`jty th ihtjdy yhur suparvjshr amgl emy mt tla kanjiijin hd yhur sljdt wlai yhu gmiihtghfa th whrb kagmusa hd mi j`ìass hr jioury. M`sh, àt yhur suparvjshr bihw wlai yhu axpagt th raturi th

whrb. Zhur fmimnar fmy raquast faejgm` gartjdjgmtjhi dhr sjgb àmva pmy mt miy tjfa. Ji tla avait miafp`hyaa js mksait dhr fhra tlmi tlraa (7) emys, faejgm` gartjdjgmtjhi drhf m lam`tlgmra prhvjear js raqujrae[adar th Wagtjhi 1=3 dhr ph`jgy hi [aturijin th whrb mdtar sjgb àmva.

Afp`hyaas wlh mra whrbjin =3.3 lhur emys wj`` lmva =3.3 lhurs hd sjgb àmva tmbai mnmjist tlajrmggufu`mtjhis dhr amgl emy hd àmva tmbai. Afp`hyaas wlh mra hi mi < lhur whrb emy wj`` ka graejtae wjtl< lhurs hd àmva tmbai.

Jd yhu mra m du``-tjfa afp`hyaa, yhu mra nrmitae sjgb àmva tjfa hd < lhurs par fhitl.Afp`hyaas wj`` ka parfjttae th mggrua sjgb àmva uitj` tlay ramgl tla mggrum` gmp hd =333 lhurs. Higa mi

afp`hyaa ramglas tla miium` gmp, ih meejtjhim` àmva wj`` ka mggruae. Mggrum`s wj`` mnmji stmrt wlai tla

afp`hyaas mggruae dm``s ka`hw tla fmxjfuf mggrum` gmp. Qphi sapmrmtjhi drhf tla ghuity, afp`hyaasljrae kadhra Mprj` =, ;3== mra a`jnjkà dhr m ;1% pmyhut hd sjgb àmva. Ula sjgb àmva wj`` ka pmje hut mt tla

pmy rmta ji addagt mt tla tjfa hd sapmrmtjhi.

Wjgb àmva js iht usae ji tla ghfputmtjhi hd hvartjfa.

134.= @AMTA EHIMUJHIW

Du`` tjfa afp`hyaas mra iht a`jnjkà th raquast ehimtae lhurs uiàss tlay mra fafkars hd tla Wjgb Kmibmie lmva axlmustae tlajr m``htfait hd sjgb kmib, mggruae miium` àmva, mie sjgb àmva lhurs. Ulasa

ehimtjhis mra iht th gramta mi meejtjhim` sjgb kmib ihr wj`` tlay ka meeae th tla axjstjin sjgb kmib .

134.; EHIMUJHI S[HGAEQ[A

Mi mpp`jgmtjhi dhr ehimtae sjgb àmva kaiadjts fust ka fmea ji wrjtjin hi mi mutlhrjzmtjhi dhrf.

=. Wugl dhrfs mra mvmj`mkà th m`` suparvjshrs tlrhunl tla Lufmi [ashurgas hddjga.;. M fmxjfuf hd ;53 lhurs par j`ìass lms kaai sat.7. Ula mpp`jgmtjhi fust ka mgghfpmijae ky m ehgthr's stmtafait spagjdyjin tla imtura hd tla

j`ìass, tla emtas mie axtaisjvaiass hd faejgm` sarvjga th tla fafkar/dmfj`y fafkar mie tlaemta hd tla afp`hyaa's raàmsa hd raàmsa dhr raturi th eutjas.

5. Wuparvjshrs/eapmrtfait lames/ejragthrs wj`` tlai prasait tla raquast th tla Khmre hd GhuityGhffjssjhiars dhr tlajr mpprhvm`.

1. Qphi mpprhvm`, m ihtjga wj`` ka sait hut th m`` du`` tjfa ghuity afp`hyaas tlmt mra ji tla sjgbkmib msbjin dhr ehimtjhis hd sjgb àmva. M fmxjfuf ehimtjhi mt miy tjfa wj`` ka dhrty (53)lhurs par amgl ehihr.

4. Ehihrs wj`` ragajva m ghpy hd tlajr ehimtjhi wjtl tlajr pmy stuk wlai tlajr ehimtjhi js usae.Ehimtjhis tlmt mra iht usae jffaejmta`y wj`` ka bapt hi djà dhr dutura iaaes hd tla parshi

jijtjm``y ehimtae th.

13> TMGMUJHI @AMTA

Tmgmtjhi àmva js nrmitae th a`jnjkà afp`hyaas hi m fhitl`y kmsjs. Smrttjfa afp`hyaas mra iht a`jnjkàdhr vmgmtjhi pmy.

Du`` tjfa afp`hyaas ljrae kadhra Omiumry =, ;3=1 mra nrmitae vmgmtjhi ms dh``hws?

Zamrs Warvjga Fhitl`y Mggrum` Uhtm` Miium` Mggrum` Fmxjfuf MiiuGmrryhvar

= fhitl tlrhunl 1 yamrs < lrs :4 lrs


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;= | S m n a Mehptae =;/=1/=1 dhr jfp`afaitmtjhi =/=/;3=4

4 tlrhunl =3 yamrs : lrs =3< lrs


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;; | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

meejtjhi, tla ehgthr's ihta fust stmta wlai yhu gmi ramshimk`y ka axpagtae th raturi th whrb.

Jd meejtjhim` àmva js iagassmry, DF@M fmy ka raqujrae. [adar th Wagtjhi 13;.

1=3 [AUQ[I UH ^H[B

Ula Khmre hd Ghuity Ghffjssjhiars ehas iht easjra mi afp`hyaa th raturi th whrb wlai tla afp`hyaa js

uimkà th pardhrf ljs/lar ohk eutjas, dhr ramshis ejragt`y ra`mtae th tla afp`hyaa's lam`tl. Ularadhra, tlaafp`hyaa wj``, kadhra raturijin th whrb mdtar tmbjin sjgb àmva wlara m ehgthr's sarvjgas wara usae, ghfp`ywjtl tla dh``hwjin prhvjsjhis?

m. Srasait th tla afp`hyar m ehgthr's stmtafait gartjdyjin tlmt tla afp`hyaa js mkà th raturi th tlaafp`hyaa's ohk mie mssjniae eutjas2

k. Jd tla afp`hyaa js mkà th raturi th whrb hi m `jfjtae hr rastrjgtae kmsjs, tla ehgthr's ihta iaaes thspagjdjgm``y sat dhrtl tla ohk `jfjtmtjhis mie/hr rastrjgtjhis, m`` hd wljgl mra ejragt`y ra`mtae th prhtagtjin

tla afp`hyaa's lam`tl. Ji meejtjhi, tla afp`hyaa's ehgthr fust jigùea ji ljs/lar stmtafait wlaila/sla ka`javas tla afp`hyaa gmi ramshimk`y ka axpagtae th raturi th tlajr ohk mie mssjniae eutjas

wjtlhut `jfjtmtjhis mie/hr rastrjgtjhis.

1== EHFAWUJG MKQWA @AMTA @M^

Gh`hrmeh [avjsae Wtmtutas ;5-75-53;.> parfjts mi afp`hyaa th raquast hr tmba up th tlraa (7) whrbjin

emys hd àmva drhf whrb ji miy twa`va (=;) fhitl parjhe, wjtl hr wjtlhut pmy uphi tla eatarfjimtjhi hdtla Khmre hd Ghuity Ghffjssjhiars, jd tla afp`hyaa js tla vjgtjf hd ehfastjg mkusa, stm`bjin, saxum

mssmu`t, hr miy htlar grjfa ra`mtae th ehfastjg mkusa. M ghpy hd m ph`jga raphrt fmy ka raqujrae.

GLMSUA[ TJ GHIEQGU

43= MKWAIGA & SQIGUQM@JUZ

Mksaitaajsf mie tmrejiass gmi ka m vary sarjhus prhkàf dhr Bjt Gmrshi Ghuity. Jt js ghst`y, gmusasuiiagassmry hvartjfa, jfphsas meejtjhim` whrb hi gh-whrbars mie suparvjshrs, ejsrupts sglaeuàs, miegramtas fhrmà prhkàfs.

Afp`hyaas mra axpagtae th ka mt whrb mie hi tjfa ms sglaeuàe. Jt js raghnijzae tlmt hggmsjhim` mfhuits

hd mksaiga dhr khim djea sjgbiass mra hdtai kayhie tla ghitrh` hd tla afp`hyaa.

Jd jt js iagassmry dhr afp`hyaas th ka mksait drhf whrb eua th j`ìass, jioury, hr afarnaigy sjtumtjhi, tlay

fust ihtjdy tla Ghuity ms shhi ms phssjkà. Afp`hyaas slhuè ghitmgt tlajr jffaejmta suparvjshr, hr jduimvmj`mkà, tla eapmrtfait lame hr Lufmi [ashurgas hddjga. Afp`hyaas slhuè ihtjdy tla Ghuity hd tla

spagjdjg ramshi dhr tlajr mksaiga mie axpagtae raturi emta. Thjga fmj` mie taxt fassmnas mra iht mggaptmkà

Umrejiass js eadjiae ms kajin `mta ji yhur mrrjvm` mt yhur whrb sjta, j.a., mdtar yhur sglaeuàe raphrtjin tjfa

Umrejiass js iht mi afp`hyaa trmjt tlmt aàgtae hddjgjm`s/eapmrtfait lames mra axpagtae th thàrmtaMksaitaajsf hr tmrejiass tlmt js axgassjva ji tla ouenfait hd tla Ghuity wj`` iht ka thàrmtae. Ghitjium

mksaitaajsf hr tmrejiass wj`` rasu`t ji ejsgjp`jimry mgtjhi.

Afp`hyaas wlh mra mksait dhr tlraa (7) ghisagutjva whrbemys wjtlhut ihtjdyjin tlajr suparvjshr wj`` ka

tarfjimtae.

43; M@GHLH@ & E[QNW


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Ula nhm` hd tla Ghuity js th prhvjea hur afp`hyaas wjtl m whrbp`mga wljgl prhfhtas lam`tl mie smdaty. Uhfaat tljs nhm`, tla Ghuity strjgt`y prhljkjts tla j`ànm` usa, phssassjhi hr smà hd ghitrh`àe sukstmigas ky

jts afp`hyaas. Uh supphrt tla Ghuitys smdaty mie lam`tl prhnrmf mie th ghfp`y wjtl fjijfuf daearm

smdaty stmiemres dhr erjvars hd ghffargjm` valjgàs, tla Ghuity lms astmk`jslae mi mitj-erun prhnrmf. Màfp`hyaas wj`` lmva rmiehf erun tastjin aidhrgae ms mi jitanrm` pmrt hd hur mitj-erun prhnrmf ms wa`` msaeugmtjhi mie trmjijin th mssjst hur afp`hyaas ji uiearstmiejin tlajr rasphisjkj`jtjas ji mgljavjin m erun-

draa aivjrhifait. Afp`hyaas slhuè radar th tla sapmrmta ph`jgy stmtafait dhr eatmj`s hd tla Ghuitys mitj-

erun prhnrmf.

437 MSSAM[MIGA, MUUJ[A & LZNJAIA

Ula wmy yhu `hhb, erass mie mgt js vjtm``y jfphrtmit th tla Ghuity. Eua th hur afp`hyaas draquaitjitarmgtjhi wjtl tla puk`jg, stmiemres hd parshim` mppamrmiga, lynjaia, mie mttjra lmva kaai eatarfjiae.M gàmi, iamt mppamrmiga js axpagtae hd yhu.

Dhr Bjt Gmrshi Ghuity purphsas, Kusjiass Gmsum` erass fmy jigùea oamis, ph`h sljrts, atg. Wlhrts, fjerjdds

oufp sujts, lm`tar thps, mie sjfj`mr jtafs hd gmsum` mttjra fmy iht ka mpprhprjmta. Gmsum` iavar famiss`hppy. M`` g`htlas fust ka gàmi, wrjibà-draa, mie ji nhhe rapmjr. Ula whrbemy js iht tla waabaie.

Uh gramta m dmvhrmkà jfprassjhi, hia fust ka wa`` nrhhfae mt m`` tjfas. Khey hehr, kme kramtl, gjnmrattasfhba mie axgassjva usa hd pardufa hr gh`hnia mra hddaisjva th gh-whrbars mie th tla puk`jg.

Jd afp`hyaas raphrt dhr whrb jfprhpar`y erassae hr nrhhfae ji tla Ghuitys hpjijhi, tlajr suparvjshrhreapmrtfait lame fmy jistrugt tlaf th raturi lhfa th glmina g`htlas hr gàmi up. Eapmrtfait lames fmyutj`jza m ljnlar stmiemre hd mppamrmiga, mttjra hr lynjaia eua th tla imtura hd tlajr uijts jitarmgtjhi wjtltla puk`jg.

435 ÂKWJUA

Ula Ghuity prhvjeas mi afp`hyaa pmna hi tla waksjta th ihtjdy afp`hyaas hd fmimnafait eagjsjhis mie

htlar kusjiass-ra`mtae fmttars. Afp`hyaas mra mkà th ravjaw tla waksjta dhr miihuigafaits, mggass dhrfs

mie htlar ihtjgas.

431 GHIDJEAIUJM@ JIDH[FMUJHI

Afp`hyaas lmie`jin ghidjeaitjm` jidhrfmtjhi mra rasphisjkà dhr jts sagurjty. Axtrafa gmra fust ka

axargjsae th aisura tlmt jt js smdanumreae th prhtagt tla Ghuity mie jts g`jaits hr gusthfars. Ghidjeaitjmjidhrfmtjhi jigùeas, kut js iht `jfjtae th, jidhrfmtjhi ghigarijin gmsa fmimnafait djàs, parshim` djimigjm

jidhrfmtjhi hi mpp`jgmtjhi dhrfs, ànm` jssuas, mie sjfj`mr sukoagts.

Fjsusa hr ejsg`hsura hd ghidjeaitjm` jidhrfmtjhi hktmjiae ji tla ghursa hd Ghuity afp`hyfait ghuè rasu`t

ji parshim` ànm` `jmkj`jty mie ejsgjp`jimry mgtjhi, up th mie jigùejin tarfjimtjhi drhf afp`hyfait.Ehgufaits mie ghpjas hd ehgufaits, naiarmtae ji tla ghursa hd Ghuity afp`hyfait mra tla axgùsjva

prhparty hd tla Ghuity mie mra iht th ka usae dhr parshim` usa hr ratmjiae ji tla phssassjhi hd mi afp`hyaa.

Ula Ghuity wj`` m`sh ghfp`y wjtl tla prhvjsjhis hd tla Lam`tl Jisurmiga Shrtmkj`jty mie Mgghuitmkj`jty Mgthd =::4 (LJSMM). Uljs daearm` ph`jgy astmk`jslas ruàs mie ranu`mtjhis nhvarijin parshim` faejgmjidhrfmtjhi prjvmgy jssuas. Durtlar jidhrfmtjhi hi LJSMM js mvmj`mkà ji tla Lufmi [ashurgas Hddjga.

434 GHQIUZ S[HSA[UZ

Afp`hyaas wlh mra jssuae Ghuity prhparty, a.n., jeaitjdjgmtjhi gmre, lmiekhhbs, valjgàs, bays, mie htlarsjfj`mr jtafs, mra rasphisjkà dhr tljs prhparty. Emfmnae hr `hst prhparty eua th gmraàssiass, ian`jnaiga

hr htlar sugl mgtjhi, fmy rasu`t ji ejsgjp`jimry mgtjhi hr rastjtutjhi hd emfmnas kmsae hi yhur afp`hyfaitstmtus.


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Hddjga aqujpfait sugl ms ghpjars, dmx fmgljias, atg. mra jitaieae dhr ghieugtjin Ghuity kusjiass. Ulasafmy iht ka usae dhr miy mgtjvjty tlmt ghuè ka ghistruae ms jivmsjva, j`ànm` hr ghitrmry th tla kast jitarasts

hd tla Ghuity.

43> GHID@JGU HD JIUA[AWU

Afp`hyaas lmva mi hk`jnmtjhi th ghieugt kusjiass wjtlji nujea`jias tlmt prhljkjt mgtum` hr phtaitjm` ghid`jgtshd jitarast. Uljs nujea`jia astmk`jslas hi`y tla drmfawhrb wjtlji wljgl tla Ghuity wjslas tla hrnmijzmtjhi

th hparmta. Ula purphsa hd tlasa nujea`jias js th prhvjea naiarm` ejragtjhi sh tlmt afp`hyaas gmi saabdurtlar g`mrjdjgmtjhi hi jssuas ra`mtae th tla sukoagt hd mggaptmkà stmiemres hd hparmtjhi. Ghitmgt tla GhuityMefjijstrmthr dhr fhra jidhrfmtjhi hr quastjhis mkhut ghid`jgts hd jitarast.

Mi mgtum` hr phtaitjm` ghid`jgt hd jitarast hggurs wlai mi afp`hyaa js ji m phsjtjhi th jidùaiga m eagjsjhitlmt fmy rasu`t ji m parshim` nmji dhr tlmt afp`hyaa hr dhr m ra`mtjva.

Jd mi afp`hyaa lms miy sjtumtjhi, wljgl fmy ka mi mgtum` hr phtaitjm` ghid`jgt hd jitarast, tla afp`hyaafust ejsg`hsa tljs th tla Khmre hd Ghuity Ghffjssjhiars hr jts easjniaa ms shhi ms phssjkà.

Ihta? ^ljà tla stmtutas mra spagjdjg mkhut ghid`jgt hd jitarast, jt js hdtai tla pargaptjhi hd ghid`jgt tlmt

iaaes th ka ravjawae mie avmùmtae.

43< N[MUQJUJAW & NJDUW

Mrtjgà ;: hd tla Gh`hrmeh Ghistjtutjhi wms mpprhvae ky Gh`hrmeh vhtars ji ;334, mie js mpp`jgmkà th m`

Ghuity afp`hyaas. Jt assaitjm``y astmk`jslae iaw stmiemres hd atljgm` kalmvjhr tlmt fust ka raghnijzae kym`` àva`s hd Gh`hrmeh nhvarifait. Jtdhrkjes tla mggaptmiga hd miy fhiay, dhrkamrmiga hr dhrnjvaiass hd

eakt, ky miy ranu`mtae parshi, uiàss tlmt parshi prhvjeas aqum` ghisjearmtjhi ji raturi. Uljs mpp`jas th

tla afp`hyaa, tlajr sphusa mie eapaieaits. Jt m`sh prhvjeas mi axgaptjhi dhr m njdt hr njdts tlmt lmva mgufu`mtjva vmùa hd $13.33 hr àss.

43: FMUA[IM@ IQ[UQ[JIN

Ula Ghuity raghnijzas tla jfphrtmiga hd iutrjtjhi mie iurturjin eurjin mi jidmits amr`y eava`hpfait. Ulafmtarim` iurturjin prhnrmf js jfpàfaitae pursumit th G.[.W.


26/31



Ula Ghuity js iht `jmkà dhr djra, tladt, emfmna, hr parshim` jioury jivh`vjin afp`hyaas hr muthfhkjàsSrhtagt yhur prhparty ky `hgbjin yhu valjgà.

Zhu mra axpagtae th erjva smda`y mie ghfp`y wjtl trmddjg ghitrh` sjnis.

4=; SH@JUJGM@ MGUJTJUZ

Ula Ghuity aighurmnas afp`hyaas th pmrtjgjpmta ji tla ph`jtjgm` mie nhvarifaitm` mddmjrs hd tla ghffuijty.

Afp`hyaas mra aighurmnae th ka jidhrfae mkhut, whrb dhr, ghitrjkuta th, mie ghffuijgmta wjtl gmiejemtasmie hddjgalhèars. Ula Ghuity aighurmnas jts afp`hyaas th axargjsa rasphisjkà gjtjzaisljp mie ehas iht

jitaie th jitardara wjtl tlajr ghieugt mie jivh`vafait wjtl ph`jtjgm` mgtjvjty, ms `hin ms tlhsa mgtjvjtjas mra

pursuae eurjin lhurs wlai tla afp`hyaa js iht hi euty, mie tlmt tla mgtjvjtjas eh iht raeuga tla afp`hyaa'saddjgjaigy hr ejsrupt da``hw afp`hyaas mt tlajr ohk.

Jd ainmnjin ji miy ph`jtjgm` mgtjvjty, tla afp`hyaa fust eh sh ms mi jiejvjeum` mie iht ms m raprasaitmtjva

hd tla Ghuity. Gmfpmjnijin, duie rmjsjin, mie htlar pmrtjsmi ph`jtjgm` mgtjvjtjas fust ka ghieugtae hi tla

afp`hyaas hwi tjfa. Ula Ghuity fmy eaiy tjfa hdd dhr ph`jtjgm` mgtjvjty wlara tla mgtjvjtjas, ji tla hpjijhi

hd tla Ghuity, whuè uieu`y jitardara wjtl tla afp`hyaas du`dj``fait hd miy hk`jnmtjhis th tla Ghuity.

4=7 [ADA[AIGAW

Afp`hyaas wlh mra mpprhmglae ajtlar dhrfm``y hr jidhrfm``y mie msbae th prhvjea jidhrfmtjhi mkhut dhrfar

afp`hyaas hd tla Ghuity slhuè radar sugl jiqujrjas th tla Lufmi [ashurgas Hddjga.

4=5 WAM[GLAW & JIWSAGUJHIW

Ula Ghuity rasarvas tla rjnlt th ghieugt jispagtjhis. Ghhparmtjhi ji tla ghieugt hd jispagtjhis js raqujraems m ghiejtjhi hd afp`hyfait.

Afp`hyaas hi tla Ghuitys prafjsas mra sukoagt th quastjhis mie samrgl mt tla Ghuitys ejsgratjhi. Ghuity

prhparty sugl ms, Ghuity valjgàs, `hgbars, easbs, dj`jin gmkjiats, ghfputar djàs, A-fmj`, vhjga-fmj`, atg.,mra easjnimtae ms lmvjin `jfjtae parshim` usa, mie fmy ka samrglae mt miy tjfa.

M Ghuity-jijtjmtae samrgl ehas iht iagassmrj`y jfp`y mi mggusmtjhi hd tladt hr tlmt mi afp`hyaa lms krhbaim ruà. Afp`hyaas radusjin th ghhparmta wjtl hr sukfjt th samrgl wj`` ka sukoagt th tarfjimtjhi.

4=1 WFHBA-D[AA ^H[BS@MGA

Ji hrear th fmjitmji m smda mie lam`tly whrbjin aivjrhifait mie th aisura ghfp`jmiga wjtl mpp`jgmkà `mwj.a., Gh`hrmeh Gàmi Jiehhr Mjr Mgt, sfhbjin js prhljkjtae tlrhunlhut tla whrbp`mga. Uljs jigùeas m`Ghuity hddjgas, dmgj`jtjas, mie valjgàs. Uljs rastrjgtjhi mpp`jas th m`` afp`hyaas mie vjsjthrs mt m`` tjfas,

jigùejin ihi-kusjiass lhurs.

Afp`hyaas gmi sfhba hutehhrs hi`y eurjin ranu`mr`y sglaeuàe krambs mie ùigl parjhes. Ula eurmtjhi hr

iufkar hd krambs gmiiht ka axtaieae ji hrear th sfhba. Wfhbjin js prhljkjtae wjtlji djdtaai (=1) daat h

miy kujèjin aitrmiga.

4=4 TJWJUH[W

Tjsjthrs mra wa`ghfa, kut tlajr prasaiga fmy ka m ejstrmgtjhi th htlar afp`hyaas. Ula prasaiga hd parshimvjsjthrs fmy prasait smdaty mie jmkj`jty prhkàfs dhr tla vjsjthr, afp`hyaas mie tla Ghuity. Ji ghisjearmtjhihd da``hw afp`hyaas mie tlajr whrb, pàmsa jfjt tla eurmtjhi hd parshim` vjsjts. Gljèrai mra iht th ka prasaiteurjin whrb lhurs, avai wlai sjgb.

4=> ^H[B[A@MUAE JIOQ[Z & J@@IAWW


27/31



Ula Ghuitrys nhm` js th prhvjea m smda mie lam`tly whrb aivjrhifait. Ula kjnnast dmgthr ji aisurjin yhur

smdaty hi tla ohk js ZHQ. Jt js ZHQ[ rasphisjkj`jty, th khtl yhursa`d mie tlhsa whrbjin ji yhur mram, thprmgtjga smda whrb lmkjts. [aphrt miy uismda prmgtjgas mie ghiejtjhis th yhur suparvjshr sh ghrragtjva mgtjhi

gmi ka tmbai.

[aphrt m`` mggjeaits ji wrjtjin, ih fmttar lhw fjihr, th yhur suparvjshr mie tla Lufmi [ashurgas Hddjga

jffaejmta`y2 hr ih àss tlmi >; lhurs. â wmit th prhvjea yhu wjtl prhfpt faejgm` tramtfait drhf hiahd hur easjnimtae plysjgjmis. Uramtfait dhr hi-tla-ohk jiourjas fust ka hktmjiae drhf hia hd tlasa

plysjgjmis hr a`sa yhu fmy ka rasphisjkà dhr faejgm` tramtfait. Jd tla jioury raqujras afarnait gmra, tlaafp`hyaa mie suparvjshr slhuè saab tla iamrast afarnaigy gmra dmgj`jty. Srhfpt raphrtjin hd tla mggjeait

wj`` la`p us th tmba staps iagassmry th raeuga tla phssjkj`jty hd dutura mggjeaits.

GLMSUA[ TJJ GHFFQIJGMUJHIW

>3= GHFSQUA[ WZWUAFW

Ula Ghuitys ghfputar iatwhrb, mggass th Jitariat, afmj` mie vhjga fmj` systafs mra kusjiass thh`s

jitaieae dhr afp`hyaas th usa ji pardhrfjin tlajr ohk eutjas. Ularadhra, m`` ehgufaits mie djàs mra tla

prhparty hd tla Ghuity. M`` jidhrfmtjhi ranmrejin mggass th tla Ghuitys ghfputar rashurgas, sugl ms usarjeaitjdjgmtjhis, fheaf plhia iufkars, mggass gheas, mie pmsswhres mra ghidjeaitjm` Ghuity jidhrfmtjhi

mie fmy iht ka ejsg`hsae th ihi-Ghuity parshiia`.

M`` ghfputar djàs, ehgufaits, mie shdtwmra gramtae hr sthrae hi tla Ghuitysghfputar systafs mra sukoagtth ravjaw mie jispagtjhi mt miy tjfa. Ji tljs ranmre, afp`hyaas slhuè iht mssufa tlmt miy sugl

jidhrfmtjhi js ghidjeaitjm`, jigùejin afmj` ajtlar sait hr ragajvae. Qphi sapmrmtjhi drhf afp`hyfait, m`ghffuijgmtjhis thh`s slhuè ka raturiae th tla Ghuity.

>3; SA[WHIM@ QWA HD ULA JIUA[IAU

Whfa afp`hyaas iaae th mggass jidhrfmtjhi tlrhunl tla Jitariat ji hrear th eh tlajr ohk. Qsa hd tlaJitariat js dhr kusjiass purphsas eurjin tla tjfa afp`hyaas mra whrbjin. Sarshim` usa hd tla Jitariat

slhuè iht ka hi kusjiass tjfa, kut rmtlar kadhra hr mdtar whrb hr eurjin krambs hr tla ùigl parjhe. Jtfust iht jitardara wjtl afp`hyaas prheugtjvjty. [anmreàss, tla Ghuity prhljkjts tla ejsp`my, trmisfjttm`,hr ehwi`hmejin hd fmtarjm` tlmt ji vjh`mtjhi hd Ghuity nujea`jias hr htlarwjsa js hddaisjva, phrihnrmpljg,

hksgaia, prhdmia, ejsgrjfjimthry, lmrmssjin, jisu`tjin, earhnmthry hr htlarwjsa ui`mwdu` mt miy tjfa. Ms

ihtae ji Wagtjhi 4=1, ghfputar djàs, afmj`s mie vhjga fmj`s lmva jfjtae parshim` usa, mie fmy ka samrglaemt miy tjfa.

>37 WHDU^M[A MIE GHSZ[JNLU

Ula Ghuity `jgaisas, mie ehas iht hwi tla shdtwmra jt utj`jzas. Ularadhra, usa hd tla shdtwmra fust ka jimgghremiga wjtl tla mpp`jgmkà shdtwmra Mnraafaits hr ms ejragtae ky fmimnafait.

Afp`hyaas fmy iht ghpy hr usa miy shdtwmra, jfmnas, fusjg hr htlar jita`àgtum` prhparty (sugl ms khhbs

hr vjeahs) uiàss tla afp`hyaa lms tla ànm` rjnlt th eh sh. Afp`hyaas fmy iht usa uimutlhrjzae ghpjashd shdtwmra hi parshim` ghfputars lhusae ji Ghuity dmgj`jtjas.

>35 QIMQULH[J_AE QWA

Afp`hyaas mra iht parfjttae th vjsjt waksjtas hr saie aàgtrhijg fmj` tlmt js eaafae ky fmimnafait msjimpprhprjmta hr ji vjh`mtjhi hd htlar Ghuity nujea`jias. â rasarva tla rjnlt th eatarfjia wlai mi

afp`hyaa js usjin tla Ghuity ghffuijgmtjhi systafs jimpprhprjmta`y.


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;> | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

>31 AFMJ@

Kagmusa tla Ghuity prhvjeas tla afmj` systaf th afp`hyaas th la`p tlaf wjtl tla pardhrfmiga hd tlajrohk, jt slhuè ka usae dhr hddjgjm` Ghuity kusjiass. Jigjeaitm` mie hggmsjhim` parshim` usa hd afmj` js

parfjttae. Lhwavar, afp`hyaas slhuè ka mwmra tlmt tlasa fassmnas wj`` ka tramtae tla smfa ms kusjiass

fassmnas, mie sukoagt th ravjaw mt miy tjfa wjtlhut ihtjga. Ula Ghuity fmy fhijthr afmj` drhf tjfa thtjfa. Ms ihtae ji Wagtjhi 4=1, ghfputar djàs, afmj`s mie vhjga fmj`s lmva `jfjtae parshim` usa, mie fmy

ka samrglae mt miy tjfa.M`sh, afp`hyaas gmiiht ghitrh` wlara tlajr fassmnas wj`` u`tjfmta`y aie up. Dhr axmfpà, m fassmna famit

dhr hia parshi gmi ka fjstmbai`y sait th tla wrhin jiejvjeum`(s), hr tla fassmna gmi ka dhrwmreae thuijitaieae ragjpjaits. Ji meejtjhi, afmj`s tlmt wara eaàtae mra sthrae a`sawlara hi tla systaf.

Afp`hyaas slhuè usa ejsgratjhi wlai saiejin afmj`s. Eh iht wrjta miytljin ji mi afmj` fassmna tlmt jsjimpprhprjmta th smy th mihtlar dmga-th-dmga. [anmreàss, tla Ghuity prhljkjts tla ejsp`my, trmisfjttm`, hrehwi`hmejin hd fmtarjm` tlmt ji vjh`mtjhi hd Ghuity nujea`jias hr htlarwjsa js hddaisjva, phrihnrmpljg,

hksgaia, prhdmia, ejsgrjfjimthry, lmrmssjin, jisu`tjin, earhnmthry hr htlarwjsa ui`mwdu` mt miy tjfa.

Afp`hyaas mra prhljkjtae drhf uimutlhrjzae usa hd aigryptjhi bays hr tla pmsswhres hd htlar afp`hyaas

th nmji mggass th mihtlar afp`hyaas afmj` fassmnas.

Miy jidhrfmtjhi ghitmjijin parshim``y jeaitjdjmkà jidhrfmtjhi (imfa, meerass, emta hd kjrtl, shgjm`sagurjty iufkars) slhuè m`wmys ka aigryptae kadhra saiejin hvar afmj`.

>34 THJGA FMJ@

Ula Ghuity vhjga fmj` systaf js jitaieae dhr trmisfjttjin kusjiass-ra`mtae jidhrfmtjhi. M`tlhunl tlaGhuity ehas iht fhijthr vhjga fassmnas ms m rhutjia fmttar, tla Ghuity rasarvas tla rjnlt th mggass mie

ejsg`hsa m`` fassmnas sait hvar tla vhjga fmj` systafs dhr miy purphsa. Afp`hyaas fust usa ouenfait

mie ejsgratjhi ji tlajr parshim` usa hd vhjga fmj` mie fust baap sugl usa th m fjijfuf. Ms ihtae ji Wagtjhi4=1, ghfputar djàs, afmj`s mie vhjga fmj`s lmva `jfjtae parshim` usa, mie fmy ka samrglae mt miy tjfa.

>3> UA@ASLHIAW/GA@@ SLHIAW

Ji tla jitarast hd nhhe kusjiass prmgtjga, taàplhia gm``s, jigùejin tlhsa fmea wjtl ga`` plhias, fust ka

fjijfm` mie iht jitardara wjtl afp`hyaas pardhrfmiga hd tlajr ohks. Sarshim` usa hd tla ghuity taàplhiasdhr `hin ejstmiga js iht parfjttae.

Ula Ghuity prhvjeas ga`` plhias th tlhsa afp`hyaas wlh iaae tlaf th pardhrf tlajr ohks. Wugl plhias

mra jitaieae dhr kusjiass usa. Ularadhra, parshim` gm``s slhuè ka `jfjtae th tlhsa mkshùta`y iagassmrymie krjad.

Afp`hyaas mra axpagtae th dh``hw tla prhvjsjhis hd G.[.W. 5;-5-;7: tlmt prhljkjts mi jiejvjeum` ajnltaai

(=


29/31


;< | S m n a Mehptae =;/=1/=1 dhr jfpàfaitmtjhi =/=/;3=4

Afp`hyaas fust mt m`` tjfas ghfp`y wjtl Ghuity axpagtmtjhis dhr whrb, pardhrfmiga, mie ghieugt. Dmjùrath eh sh fmy rasu`t ji miy hr m`` hd tla dh``hwjin mgtjhis? tarfjimtjhi, suspaisjhi, eafhtjhi, wrjttaiwmrijin, raprjfmie, mie ghuisa`jin.

Fmimnafait wj`` eagjea ji jts ouenfait wljgl hd tlasa mgtjhis whuè fhst addagtjva`y tmba gmra hd tlaprhkàf. Ula dmgt tlmt tla Ghuity lms hr lms iht utj`jzae miy hd tlasa mgtjhis ehas iht sat miy pragaeait

mie slhuè iht ka ra`jae uphi ji dutura ejsgjp`jimry sjtumtjhis ky miy afp`hyaa.


30/31


;: | S m n a Mehptae =;/=1/=1 dhr jfp`afaitmtjhi =/=/;3=4


31/31


MGBIH^@AENAFAIU HD [AGAJSU

J LMTA [AGAJTAE M GHSZ HD ULA AFS@HZAA LMIEKHHB EMUAE Eagafkar 73, ;3=1. JQIEA[WUMIE ULMU J MF UH KAGHFA DMFJ@JM[ ^JUL JUW GHIUAIUW. DQ[ULA[, JQIEA[WUMIE?

AFS@HZFAIU ^JUL BJU GM[WHI GHQIUZ JW MU-^J@@. J LMTA ULA [JNLU UH AIEFZ ^H[B [A@MUJHIWLJS ^JUL ULA GHQIUZ, ^JUL H[ ^JULHQU METMIGAIHUJGA DH[ MIZ [AMWHI.

ULA @MINQMNA QWAE JI ULJW LMIEKHHB MIE MIZ TA[KM@ WUMUAFAIUW HDFMIMNAFAIU M[A IHU JIUAIEAE UH GHIWUJUQUA M GHIU[MGU HDAFS@HZFAIU, AJULA[ A\S[AWW H[ JFS@JAE, IH[ M[A ULAZ M NQM[MIUAA HD

AFS@HZFAIU DH[ M WSAGJDJG EQ[MUJHI.

ULA LMIEKHHB JW IHU M@@ JIG@QWJTA, KQU JW JIUAIEAE UH S[HTJEA FA ^JULM WQFFM[Z HD WHFA HD ULA GHQIUZW NQJEA@JIAW.

ULJW AEJUJHI [AS@MGAW M@@ S[ATJHQW@Z JWWQAE LMIEKHHBW. ULA IAAE FMZM[JWA UH GLMINA ULA NQJEA@JIAW EAWG[JKAE JI ULA LMIEKHHB, A\GASU DH[ULA MU-^J@@ IMUQ[A HD AFS@HZFAIU. ULA GHQIUZ ULA[ADH[A [AWA[TAW ULA[JNLU UH JIUA[S[AU ULAF H[ GLMINA ULAF ^JULHQU S[JH[ IHUJGA.

IH [AS[AWAIUMUJTA HD BJU GM[WHI GHQIUZ, HULA[ ULMI ULA KHM[E HD

GHQIUZ GHFFJWWJHIA[W, LMW ULA MQULH[JUZ UH AIUA[ JIUH MI MN[AAFAIUHD AFS@HZFAIU DH[ MIZ WSAGJDJAE SA[JHE MIE WQGL MN[AAFAIU FQWU KAJI ^[JUJIN, WJNIAE KZ ULA KHM[E HD GHQIUZ GHFFJWWJHIA[W MIE FZWA@D.^A LMTA IHU AIUA[AE JIUH WQGL MI MN[AAFAIU.

Afp`hyaa Wjnimtura Emta

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Srjitae Afp`hyaa Imfa

Uljs pmna fust ka raturiae th tla Lufmi [ashurgas Eapmrtfait.

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