1
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'
2
"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,"
3
^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"
4
^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
5
^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'
6
"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"
7
^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'
8
"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'
9
(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'
Top Related