1

xUq;fpizf;fg;gl;l Mizaspg;G

eilKiwf; fzf;FÆmy;yJ Nrkpg;Gf; fzf;F fld; ml;il jdpg;gl;l fld;

jaTnra;J Mq;fpy nfg;gpl;ly; vOj;Jf;fspy; epug;gTk;. nghUj;jkw;wij ntl;btplTk;.

cq;fisg; gw;wp vkf;Fj; njhptpAq;fs; gpujhd fzf;F

jdpg;gl;l tpguq;fs; - gpujhd fzf;F itg;ghsh;(m)Ægpujhd fld; ml;il itj;jpUg;gtu;

me;j];J: rq;. jpU. jpUkjp nry;tp nlhf;lh; NtW (vJntdf; Fwpg;gplTk;) Mz; ngz;

KOg; ngah; (Nj.m.m./flTr;rPl;by; cs;sthW)

NtW ngah;

gpujhd ngah;

Njrpa ,dk;

,yq;ifah; NtW

,ul;il gpu[hThpiknadpd;>

Fwpg;gplTk;.

gpwe;j jpfjp

gpwe;j ,lk; gpwe;j ehL

tpthf epiy jdpahs; tpthfkhdth; NtW ..................................

jpjp khkh t t t t

(gy; Njrpathjpnadpd;> jaTnra;J vy;yh

NjrpaThpikfisAkÆgpu[hThpikfisAk;

Fwpg;gplTk;)

jhahhpd; fd;dpg; ngah; (fl;lhak;)

tho;f;ifj; Jizapd; ngah;

gpd;tUk; Nfs;tpfSf;F Mk; my;yJ ,y;iy vd;W √

milahskplTk;: Mk; ,y;iy

1. ePq;fs; If;fpa mnkhpf;fhtpy; trpg;gtuh?

2. ePq;fs; If;fpa mnkhpf;fg; gpui[ah?

3. cq;fsplk; If;fpa mnkhpf;f epue;ju trpg;gpl ml;il (fpwPd; fhh;l;) cs;sjh?

Nj.m.m. ,y/rhujp mDkjpg;gj;jpu ,yÆ flTr;rPl;L ,yf;fk; fhyhtjpahFk; jpfjp

tho;f;ifj; Jizapd; nkhigy; ,y jq;fpapUg;Nghhpd; vz;zpf;if

fy;tp/njhopy; jifikfs;;

fy;tp me;j];J: cah; ,ilepiy tiu gl;ljhhp KJepiyg; gl;ljhhp bg;Nshkh njhopy; epGzj;Jtk; NtW (Fwpg;gplTk;).........................................................................

njhlu;G tpguq;fs;

trpg;gpl Kftup

efuk; khtl;lk; vg;NghjpUe;J (Mz;L)

ehL

epue;ju Kftup(trpg;gpl

KfthpapypUe;J NtWgbd ;)

efuk; khtl;lk;:

ehL:

trpg;gpl tif nrhe;j tPL ngw;Nwhhpd; tPL thlif tPL milkhdj;jpYs;s tPL

(trpg;gpl chpik) fk;gdp tPL tpLjpapy;/n`hl;Nlypy; jq;fpapUj;jy; NtW ................................

2

njhiyNgrp ,yf;fq;fs; (fl;lhak;) ehl;Lf;FwpaPl;Lld;

(trpg;gplk;)

(nkhigy;)

(mYtyfk;)

,g;gFjp tpz;zg;gjhupapdhy; epug;gg;gl Ntz;Lk; ....................................... ifnahg;gk;

kpd;dQ;ry; Kfthp (fl;lhak;)

(jdpg;gl;l)

(mYtyfk;)

njhlh;ghlYf;F tpUk;gg;gLk; Kfthp trpg;gpl epue;ju mYtyf

(ftdpf;fTk;: gpd;dh; Muk;gpf;fg;gLk; Vida fzf;FfSf;Fk; fpnwbl; fhh;l;fSf;Fk; NkNyAs;s mwpTWj;jy; nghUe;Jk;)

njhopy; tpguq;fs; njhopy; tif:

rk;gsj;jpw;FÆ(fl;Lg;ghl;lhsh;Æcupikahsu;Æ,af;Fdu;); rk;gsk; ngWgtu;(nghJ) khztu; ,y;yj;jurp

Ranjhopy;Ætpahghu cupikahsu; njhopyw;wtu; Xa;T ngw;wtu; NtW

tUlhe;j tUkhdk;

&.

tpahghuj;jpd; ,ay;G

tq;fp kw;Wk; epjp Vw;Wkjp-,wf;Fkjp Mil jahhpg;G jfty; njhopy;El;gk;

kUj;Jtk; epGzj;Jt Nritfs; NtW ............................................................. (Fwpg;gplTk;)

njhopy;

njhopy;Ænjhopw;Wiw

(fl;lhak;)

jw;Nghja gjtpAk; gpupTk;

(fl;lhak;)

njhopy; toq;Fehpd; ngah;/Ranjhopnydpd; tpahghuj;jpd; ngah; (fl;lhak;)

jw;Nghja epWtdj;jpy; Nrh;e;j jpfjp

Kd;ida njhopy; toq;Feh;/tpahghuk; (fl;lhak;)

tfpf;Fk; nghJepiyg;

gjtp (Vw;Gilajhapd;)

jp jp kh kh t t t t efuk; khtl;lk; ehL

ePq;fs; fld; ml;il kw;Wk; jdpg;gl;l fld;fSf;F tpz;zg;gpg;gjhdhy; gpd;tUtdtw;iw epug;gTk; Kd;ida njhopy; toq;Feu;;/tpahghuk; (jw;Nghja njhopy; toq;Fehplk; /tpahghuj;jpd; fhyk; 2 Mz;Lf;F Fiwntdpd;)

Nritf; fhyk;

Kd;ida gjtpAk; gphpTk; Kd;ida njhopy; toq;Fdhpd; /tpahghuj;jpd; Kftup

ifnahg;gq;fs;: ................................................................ .................................................................. gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”

3

$l;Lf; fzf;F itg;ghsh; “B” Æ Jizf; fld; ml;il itj;jpUg;gtu;

$l;Lf; fzf;F kl;Lk; Jiz ml;il kl;Lk; $l;Lf; fzf;F kw;Wk; Jizml;il me;j];J: rq;. jpU. jpUkjp nry;tp nlhf;lh; NtW (vJntdf; Fwpg;gplTk;) Mz; ngz;

KOg; ngah;: (Nj.m.m./flTr;rPl;by; cs;sthW)

NtW ngah;:

gpujhd ngah;

trpg;gpl Kftup

efuk; khtl;lk; vg;NghjpUe;J

(Mz;L) ehL

epue;ju Kfthp (trpg;gpl KfthpapypUe;J NtWgbd;)

efuk;

khtl;lk;:

ehL:

njhiyNgrp ,yf;fq;fs; (fl;lhak;) ehl;Lf; FwpaPl;Lld;

(trpg;gplk;)

(nkhigy;)

(mYtyfk;)

,g;gFjp tpz;zg;gjhupapdhy; epug;gg;gl Ntz;Lk; ....................................... ifnahg;gk;

kpd;dQ;ry; Kfthp (fl;lhak;)

Njrpa ,dk;

,yq;ifah; NtW

,ul;il gpu[hThpiknadpd;>

Fwpg;gplTk;. (gy; Njrpathjpnadpd;> jaTnra;J

vy;yh NjrpaThpikfisAk;Æ gpu[h

chpikfisAk; Fwpg;gplTk;)

gpwe;j jpfjp

Nj.m.m. ,y/rhujp mDkjpg;gj;jpu ,yÆ flTr;rPl;L ,yf;fk; fhyhtjpahFk; jpfjp

tpthfepiy

tpUk;gg;gLk; fld; cr;rtuk;G (fld; ml;ilfSf;F kl;Lk;)

jp jp khkh t t t t

trpf;Fk; ehL: gpwe;j ehL:

gpd;tUk; Nfs;tpfSf;F Mk; my;yJ ,y;iy vd;W √

milahskplTk;: Mk; ,y;iy

1. ePq;fs; If;fpa mnkhpf;fhtpy; trpg;gtuh? 2. ePq;fs; If;fpa mnkhpf;fg; gpui[ah? 3. cq;fsplk; If;fpa mnkhpf;f epue;ju

trpg;gpl ml;il (fpwPd; fhh;l;) cs;sjh? gpujhd thbf;ifahsUldhd cwTKiw

jhahupd; fd;dpg;ngau; (fl;lhakhdJ)

njhopy;Ænjhopw;Wiw (fl;lhakhdJ) jw;Nghja gjtpAk; gpupTk; (fl;lhakhdJ)

njhopy; toq;Fehpd; ngah; (nghUj;jnkdpd;)

tfpf;Fk; nghJepiyg; gjtp (Vw;Gilajhapd;)

njhopy; toq;Fehpd; Kfthp

efuk; khtl;lk;

ehL

4

njhlh;G tpguk;

tq;fpj; njhlh;G (ftdpf;fTk;: gpd;dh; Muk;gpf;fg;gLk; Vida fzf;FfSf;Fk; fPo;f;fhZk; mwpTWj;jy; nghUe;Jk;)

fzf;F tpguf;$w;W fzf;F tpguf;$w;W (kpd;dQ;ry;> jghy; Mfpa ,U topfSk; njhpT nra;ag;gbd;> kpd;dQ;ry; tpguf;$w;W kl;LNk mDg;gg;gLk;)

mDg;gg;gl Ntz;bath;: fzf;F itg;ghsh; “A” fzf;F itg;ghsh; “B

kpd;dQ;ry; %ykhd tpguf;$w;W eilKiw/Nrkpg;G khjhe;jk; fhyhz;L

Nfhuy; fzf;Ffs;

jghy; %ykhd tpguf;$w;W eilKiwf; fzf;F khjhe;jk; fhyhz;L miuahz;L Nrkpg;G/Nfhuy; fzf;Ffs; fhyhz;L miuahz;L

epiyahd itg;Gf;fSf;F tpguf;$w;Wfs; nghUe;jhJ. fhfpjj;jpyhd tpguf;$w;WfSf;F jw;Nghja tpjpg;gdTfs; gl;baYf;Nfw;g fl;lzk; mwtplg;gLk;. ngWkjp Nrh;f;fg;gl;l Nritfs;

ePq;fs; jd;dpay;ghfNt ,r; NritfSf;Fr; Nrh;j;Jf;nfhs;sg;gLtPh;fs; (,ytrkhf).

,izaj;js tq;fpr; Nrit

ehd;/ehk; ,r; Nritiag; gad;gLj;j tpUk;gtpy;iy.

SMS vr;rhpf;ifa+l;ly;fs ;(cs;ehl;L nkhigy; ghtidahsh;fSf;F) ehd;/ehk; ,r; Nritiag; ngw tpUk;gtpy;iy. (vdpDk;> ehk; cq;fSf;Fr; rpwe;j Nrit toq;f tpUk;Gtjhy;> nfhLf;fy; thq;fy;fis Ch;[pjg;gLj;jy; kw;Wk; Cf;Ftpg;Gj; jpl;lq;fs; njhlh;ghd SMS vr;rhpf;ifa+l;ly;fis ePq;fs; njhlh;e;J ngWtPh;fs;.)

fhNrhiyg; Gj;jfk;: (cs;ehl;L &gha; eilKiwf; fzf;FfSf;F kl;Lk; nghUe;Jk;)

eilKiwf; fzf;F(fs;) njhlh;gpy; vdf;F/vkf;F fhNrhiyg; Gj;jfnkhd;iw toq;fTk;. 25 jhs;fs; 50 jhs;fs; ,y;iy

nghUj;jkhd fl;lzq;fs; gw;wp mwpa> tpjpg;gdTfs; topfhl;biag; ghh;f;fTk;.

mYtyfg; ghtidf;F kl;Lk;

fpis: RB FwpaPL: $wpd; FwpaPL:

CCY Prefix Master Suffix CCY Prefix Master Suffix

ifnahg;gq;fs;: ................................................................ ........................................................................................... gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”/ Jizml;il itj;jpUg;gtu;

ePq;fs; tpz;zg;gpf;f tpUk;Gk; fzf;F(fs;) vit?

fzf;F tif Copah; tq;fpapay; ehzak; cs;ehl;L ehzak; ntspehl;L ehzak;

gphpT PFCA BFCA CTRA IIA MSA NtW .............

ntspehl;L ehzankdpd; USD CAD AUD GBP JPY SGD CNY NtW ....................

eilKiwf; fzf;F Mk; ,y;iy

Nrkpg;Gf; fzf;F Mk; ,y;iy

epiyahd itg;G Nfhuy; itg;G

mwpKfk;

,g; gFjp eilKiwf; fzf;FfSf;F fl;lhakhdJ. vd;gijf; ftdpf;fTk;.

fzf;nfhd;iw Muk;gpf;Fk; Nehf;fj;jpw;fhf Nkw;Fwpg;gl;l tpz;zg;gjhuiu(fis) ];lhd;ll; rhl;lh;l; tq;fpf;F mwpKfg;gLj;j ehd; tpUk;GfpNwd;. ehd; gpd;tUk; jFjpapd; mbg;gilapy; ,e;j mwpKfj;ij toq;Ffpd;Nwd;: ];lhd;ll; rhl;lh;l; eilKiwf; fzf;F itg;ghsh; - fzf;F ,yf;fk;

cah;njhopy; epGzh; - vdJ njhopy;

5

fk;gdpg; gzpg;ghsh; - fk;gdpapd; ngah;

murhq;f/gFjp murhq;f epWtdj;jpy; rpNu\;l gjtp tfpg;gth; - epWtdj;jpd; ngah;

ngah;: Nj.m.m.:

gjtp: njhiyNgrp ,yf;fk;:

Kfthp:

ifnahg;gk;: jpfjp:

epiyahd itg;Gf;fSf;F kl;Lk;

gw;W itf;fg;gLk; fzf;F ,yf;fk;: CCY epiyahd itg;Gj;njhif

fhyk;: 1 khjk; 3 khjq;fs; 6 khjq;fs; 12 khjq;fs; NtW tl;b tPjk; (fl;lhakhdJ)

tl;bf; nfhLg;gdT: Kjph;r;rpapy; khjhe;jk; (1 tUl itg;gpw;F)

GJg;gpj;jy; tl;bAld; jd;dpay;ghfg; GJg;gpf;fTk;.

mwpTWj;jy;fs;: tl;bia Nkw;Fwpg;gpl;l fzf;fpy; tuTitj;Jtpl;L> gpujhd njhifiaj; jd;dpay;ghfg; GJg;gpf;fTk;.

GJg;gpf;f Ntz;lhk;. KOj; njhifiaAk; Nkw;Fwpg;gpl;l fzf;fpy; ,lTk;.

tl;bia tuTitf;Fk; fzf;F ,yf;fk;: tuT itf;fg;gl Ntz;ba %yjdk; - fzf;F ,yf;fk;:

epakdk;

epakdk; Njitah? Mk; ,y;iy Mnkdpd;> g+h;j;jp nra;ag;gl;l epakdg; gbtj;ij ,izj;J. mjw;fhd Vw;Gf; fbjj;ij tq;fp

mYtyhplkpUe;J ngwTk;. eilKiwf; fzf;FfSf;F epakdq;fs; nghUe;jhJ.

epjpapd; %yhjhuKk; Æfzf;F Muk;gpg;gjd; Nehf;fKk;

fzf;F Muk;gpg;gjd; Nehf;fk;

Muk;g itg;Gj; njhif: nrhe;j tpahghuk; KjyPl;bypUe;J tUkhdk;

rk;gsk; guk;giur; nrhj;J/md;gspg;G juFg;gzk; NtW epjp ngwg;gLk; Kiw: gzk; fhNrhiy

,e;j ,yf;ff; fzf;fpypUe;J ,lk;khw;wg;gLk; NtW

fzf;F nray;ghLfs;ÆtUkhd tpguq;fs;

vjph;ghh;f;fg;gLk; njhif kw;Wk; nraw;ghl;bd; tif

nfhLf;fy; thq;fy;

tif

khjnkhd;wpw;F

vjph;ghh;f;fg;gLk; nfhLf;fy;

thq;fy;fspd; vz;zpf;if

khjhe;jk; vjph;ghh;f;Fk; njhif

tuT

gw;W

khjhe;j tUkhd tpguq;fs; khjhe;j nkhj;j tUkhdk; khjhe;j fopTfs;

eLthpd; tpguq;fs; (fld; ml;il kw;Wk; fld;fSf;F kl;;Lk;)

ngah;

Kfthp

6

tpz;zg;gjhuUldhd cwTKiw

njhiyNgrp ,yf;fk; trpg;gplk; nkhigy; mYtyfk;

ifnahg;gq;fs;: ................................................................ .................................................................... gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”

fld; ml;ilfs;

ePq;fs; tpz;zg;gpf;f tpUk;Gk; fld; ml;il vJ?

tPrh gpsl;bdk; tPrh rpf;Ner;ru; tPrh gpsl;bdk; gphptpNy[; tPrh Nfhy;l;

kh];lu; gpsl;bdk; =yq;fd; vahh;iyd;]; tPrh gpsl;bdk; Mh;gpNfh gphptpNy[; tPrh gpsl;bdk; Mh;gpNfh gphptpNy[; Nfhy;l;

(nghUj;jnkdpd;> cq;fs; FlySmiLes/Arpico gphptpNy[; ,yf;fj;ijf; Fwpg;gpLq;fs;)

Mk;> vdJ fldl;il nfhLg;gdTf;fhf khjhe;jk;; vdJ ];lhd;ll; rhl;lh;l; tq;fpf; fzf;fpy; jd;dpay;ghfNt gw;W itf;fTk;.

Mk; fzf;F ,yf;fk;

Mnkdpd;> rjtPjj;ijf; Fwpg;gplTk; nrYj;j Ntz;ba Fiwe;jgl;r njhif nkhj;j gpy; njhif epiyahd itg;Gj;njhif

fld; ml;il kw;Wk; gw;W ml;il (cs;ehl;L &gha; eilKiw kw;Wk; Nrkpg;Gf; fzf;FfSf;F kl;Lk; nghUe;Jk;)

jaTnra;J vdf;FÆvkf;F toq;fTk; gw;W ml;il fld; ml;il

gpujhd ml;ilapy; gjpf;fg;gl Ntz;ba ngah; ,izf;fg;gl Ntz;ba fzf;F (jaT nra;J Mq;fpy nfg;gpl;ly; vOj;Jf;fspy; epug;gTk;) (rfy nfhLf;fy; thq;fy;fSf;Fk; Vida ATM kPsg; ngWiffSf;Fkh fzf;F)

$l;Lf; fzf;F itg;ghshpd; gw;W ml;il kw;Wk; Jizf; gpujhd fzf;F ,uz;lhk;epiyf; fzf;F fld; ml;ilapy; ,Uf;f Ntz;ba ngah; (Mq;fpy nfg;gpl;ly; vOj;Jf;fspy;) Nrkpg;G Nrkpg;G eilKiw eilKiw tq;fpapd; ATMfs; %ykhd nfhLg;gdTf;fhf ,izf;fg;gl Ntz;ba ,U fzf;FfSk; xNu tifnadpd;> Fwpg;gplTk;. ];lhd;ll; rhh;l;lh;l; fldl;il

gpufldk; (fldl;ilfSf;fhdJ)

DeclaraDDDeclaration (for Credit Card) Declaration (for Credit Card)ection (for Credit Card)

NkYs;s tpguq;fs; cz;ikahdit kw;Wk; rhpahdit vd;Wk; tpjpfs; kw;Wk; epge;jidfis

vLj;Jf;$Wk; fldl;il itj;jpUg;gth; xg;ge;jj;jpw;F mikthf> fldl;il fzf;nfhd;iw

Muk;gpg;gjw;F vd;dhy;/vk;khy; ,yq;if ];lhd;ll; rhl;lh;l; tq;fpf;Fr; rkh;g;gpf;fg;gl;l

tpz;zg;gj;jpw;F Mjhukhf toq;fg;gl;Ls;sd vd;Wk; ehd;/ehk; mwpf;ifapLfpNwd;/mwpf;ifapLfpNwhk;.

fldl;il njhlh;ghd tpjpfs; kw;Wk; epge;jidfs; vkf;F toq;fg;gl;L> tpsq;fg;gLj;jg;gl;L

vd;dhy;/vk;khy; Ghpe;Jnfhs;sg;gl;ld vd;gijAk; ,e;j tpjpfs; kw;Wk; epge;jidfspd; gpujpnahd;W

vd;dplk;/vk;kplk; cs;sJ vd;gijAk; ehd;/ehk; mtw;wpw;Fg; gzpe;njhOf ,zq;FfpNwd;/

,zq;FfpNwhk; vd;gijAk; ,e;j tpz;zg;gj;jpYk;; Vw;Gila tpjpfs; kw;Wk; epge;jidfspYk;

gpuNtrpg;gjw;fhd jFjpia ehd;Æehk; nfhz;Ls;Nsd;Æ nfhz;Ls;Nshk; vd;gijAk; ehd;/ehk; ,j;jhy;

cWjpg;gLj;JfpNwd;/cWjpg;gLj;JfpNwhk;.

7

,e;j ml;ilf; fzf;Fj; njhlh;ghd tpjpg;gdTfs; kw;Wk; fl;lzq;fis vdJ/vkJ fldl;ilf;

fzf;fpy; gw;W itf;f ];lhd;ll; rhl;lh;hl; tq;fpf;F ehd;/ehk; mjpfhukspf;fpNwd;/

mjpfhukspf;fpNwhk;. vdJ Ntz;LNfhspd; Nghpy; toq;fg;gl;l gpujhd kw;Wk; Nkyjpf

ml;ilfSf;fhd rfy tpjpg;gdTfs; kw;Wk; fl;lzq;fSf;Fk; ehd;/ehk; jdpj;jdpahfTk; $l;lhfTk;

nghWg;ghsp MNtd;/MNthk;. ,e;j tpz;zg;gj;ij kjpg;gPL nra;tjw;F mtrpankd ];lhd;ll;

rhl;lh;l; tq;fp fUJkhapd;> vdJ/vkJ tzpf eltbf;iffs; my;yJ tzpff; fld; jFjpepiy

gw;wpa jfty;fis toq;ff;$ba epWtdk;/epiyaj;jpypUe;J mj;jifa jfty;fisg; ngw;Wf;nfhs;s

ehd;/ehk; tq;fpf;F mjpfhukspf;fpNwd;/mjpfhukspf;fpNwhk;. vdJ/vkJ fldl;il tpz;zg;gk;

kw;Wk;/my;yJ vdJ/vkJ fld; jFjpepiyia kjpg;gPL nra;tjw;Fk;> vdJ/vkJ jtWifiaj;

jtph;f;f vdf;F/vkf;F cjTk; nghUl;Lk;> vdJ/vkJ jtWif gw;wp NtW fld; toq;Feh;fSf;F

mwptpf;fTk; ,j; jfty; gad;gLj;jg;glyhk; vd;gij ehd;/ehk; mwpNtd;/mwpNthk;.

vdJ/vkJ tpz;zg;gj;jpy; njhptpf;fg;gl;Ls;s jfty;fs; Fwpj;J Ntnwe;j ,lj;jpYk; tprhhpf;f

ehd;/ehk; ];lhd;ll; rhl;lh;hl; tq;fpf;F mjpfhukspf;fpNwd;/mjpfhukspf;fpNwhk;. ehd;/ehk; fPNo

ifnahg;gk; ,Ltjd; %yk;> vdJ/vkJ rhh;gpy; ml;ilf; fzf;if Muk;gpf;Fk;gbAk;> mjidj;

Jz;Lfshf ntl;b ];lhd;ll; rhl;lh;hl; tq;fpaplk; xg;gilj;J ml;ilapd; ghtidf;fhd vdJ/vkJ

chpikiaf; iftpLk; tiu> me;j ml;iliag; GJg;gpf;f kw;Wk;; gjpyPL nra;a eltbf;if

vLf;Fk;gbAk; ehd;/ehk; Ntz;LNfhs; tpLf;fpNwd;/tpLf;fpNwhk;.

gpujhd tpz;zg;gjhuhpd; ifnahg;gk; $l;L tpz;zg;gjhuhpd; ifnahg;gk ifnahg;g mwpTWj;jy;

nraw;ghl;L mwpTWj;jy;fs;: jdp (gpujhd fzf;F itg;ghsh; “A” ) vtNuDnkhUth;

($l;Lf; fzf;FfSf;F kl;Lk; nghUe;Jk;) ,Uthpd; ifnahg;gq;fs; ...................................................... (ngah;fisf; Fwpg;gplTk;)

“jdpg;gl;l fzf;F njhlh;ghd tpjpfs; kw;Wk; epge;jidfs; vdf;F/vkf;F toq;fg;gl;L>

tpsq;fg;gLj;jg;gl;ld vd;Wk; mit vd;dhy;/vk;khy; Ghpj;Jnfhs;sg;gl;ld vd;Wk; ehd;/ehk;

Vw;Wf;nfhs;fpNwhk;. ,e;j tpjpfs; kw;Wk; epge;jidfspd; gpujpfs; vd;dplk;/vk;kplk; ,Ug;gJld;> ,f;

fzf;if Muk;gpj;jy; kw;Wk; nraw;gLj;jy; njhlh;ghfTk; ];lhd;ll; rhl;lh;l; tq;fp gw;W ml;il

njhlh;ghfTk; ,e;j tpjpfs; kw;Wk; epge;jidfSf;Ff; fl;Lg;gl;L elg;gjw;F ,zq;FtjhfTk;

ehd;/ehk; ,j;jhy; cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;.”

8

,Uthpy; xUth; ifnahg;gkpLtjw;F kl;Lk; Vw;GilaJ – “Nkw;gbf; ifnahg;gkpLju; mwpTWj;jy;fs;>

$l;Lg; ngah;fspy; fzf;ifr; nraw;gLj;Jjy;> cg fzf;Ffis Muk;gpj;jy; kw;Wk; gpujhd

,yf;fj;jpd; fPo; vtNuDnkhU fzf;F itg;ghshpdhy; VNjDk; $l;Lf; fzf;Ffis %Ljy;

njhlh;gpy; Vw;GilajhFk;. NtW tpjkhf mwptpf;fg;gl;bUe;jhyd;wp> mjd; tpisthf Vw;gl;l VNjDk;

,og;GfSf;F ve;jnthU fzf;F itg;ghsUk; tq;fpiag; nghWg;ghspahf;f KbahJ. mj;jifa

mwpTWj;jy;fspd; mbg;gilapy; nraw;gl;ljd; tpisthf VNjDk; topapy; VNjDk; jd;ikapy;

cwg;gl;l my;yJ Vw;gl;l ,og;Gfs;> chpikf; Nfhuy;fs;> eltbf;iffs;> tof;Ffs;> Nfhhpf;iffs;>

Nrjq;fs;> fpuaq;fs; kw;Wk; nryTfs; midj;jpw;Fk; vjpuhf tq;fpf;F ,og;ngjph;fhg;G toq;fTk;

me;j ,og;ngjph;fhg;igj; njhlh;e;J NgzTk; tq;fpiaj; jPq;fpypUe;J tpyf;fp itf;fTk; ehk;

nghWg;Ngw;fpd;Nwhk;.”

ifnahg;gq;fs;: fWg;G epw Fkpo;Kid Ngidia my;yJ Cw;Wg; Ngidiag; gad;gLj;jTk;. jpfjp: jpjp khkh tttt

gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”

jdpg;gl;l / thfd fld;

ePq;fs; tpz;zg;gpf;f tpUk;Gk; fldpd; tpguq;fisj; njhptpf;fTk;.

jdpg;gl;l fld; thfdf; fld; thfdj;jpd; Nghpyhd fld; jdp $l;L

tl;bapd; jd;ik: 1 tUlk; 5 tUlk; NtW

vOj;Jf;fspy; fld;njhif

,yf;fq;fspy; fld; njhif

tl;b tPjk; (Mz;Lf;F %) epiyahd Mz;Lf;F kpjf;Fk; tl;b tPjk;

jtizfspd; vz;zpf;if

fld; ngWtjd; Nehf;fk;

kPsspg;G Kiw rk;gsj;jpypUe;J khjhe;jj; jtiz khjhe;jr; rk;gsk; epiyahd fl;lis

cWjpnkhopg; gj;jpuk;

............... Mz;L ........... khjk; ....... jpfjp> fPNo ifnahg;gkpl;Ls;s 1. .................................................................

2. ............................................................... Mfpa ehd;/ehk; (Njrpa milahs ml;ilapy; cs;sthW KOg;

ngah;fSk; Fwpg;gplg;gl Ntz;Lk;)> Nfhhpf;if tpLf;fg;gLk;NghJ ,.&. ..................................................

(,yf;fj;jpy;) ........................................................................ ,yq;if &gha; (vOj;Jf;fspy;) kw;Wk; Mz;bw;F

.........% vd;w mbg;gilapy; tq;fpapdhy; jPh;khdpf;fg;glf;$ba tPjj;jpyhd tl;b vd;gtw;iw tq;fpf;Fr;

nrYj;j cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;. ,e;j cWjpnkhopg; gj;jpuj;ij itj;jpUg;gth; vt;tpj

gpujpepjpj;Jtk; my;yJ nryTk; ,y;yhky; khw;W epthuzj;ijg; ngWtjw;F chpik nfhz;Ls;shh;.

9

gpujhd tpz;zg;gjhuhpd; ifnahg;gk; $l;L tpz;zg;gjhuhpd; ifnahg;gk;

Nj.m.m. ,y. Nj.m.m. ,y.

,tuJ Kd;dpiyapy;> ,tuJ Kd;dpiyapy;> rhl;rpapd; ifnahg;gk; rhl;rpapd; ifnahg;gk;

ngah; ngah;

Kfthp Kfthp

tpz;zg;gjhuhpd; gpufldk;

ehd;/ehk; ,t; tpz;zg;gj;jpy; tpghpf;fg;gl;Ls;s flDf;F ,j;jhy; tpz;zg;gpg;gJld;> fld;

mq;fPfhpf;fg;gLk; gl;rj;jpy; tq;fpapdhy; Fwpg;gplg;gLk; tl;b> fl;lzq;fs;> fhg;GWjpf; fl;lzk; kw;Wk;

juFg;gzj;ijr; nrYj;j ,zq;fpg; nghWg;Ngw;fpNwd;/nghWg;Ngw;fpNwhk;. ,e;j tpz;zg;gj;ij

mq;fPfhpg;gJ my;yJ vdf;F/vkf;Ff; flid toq;FtJ tq;fpapd; jdp tpUg;gj;ijg; nghWj;jjhFk;

vd;gijAk; tpz;zg;gk; epuhfhpf;fg;gbd; mjw;fhd tpsf;fk; vjidAk; juNtz;ba fl;Lg;ghL

tq;fpf;Ff; fpilahJ vd;gijAk; ehd;/ehk; xg;Gf;nfhs;fpNwd;/xg;Gf;nfhs;fpNwhk;. vdf;F/vkf;F

vjpuhf tq;FNuhj;J tof;F vJTk; Muk;gpf;fg;gltpy;iy my;yJ Muk;gpf;fg;glg; NghtJkpy;iy

vd;Wk; ,t; tpz;zg;gj;jpy; njhptpf;fg;gl;Ls;s rfy tpguq;fSk; ehd;/ehk; tq;fpapd;

thbf;ifahsuhf ,Uf;Fk; tiu cz;ikahd tpguq;fshf ,Uf;Fk; vd;Wk; ehd;/ehk;

cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;. flid kPl;gjw;Fr; rl;l eltbf;if vLf;Fk; chpik tq;fpf;F

cz;L vd;gijAk; ,J njhlh;gpy; tq;fpf;F my;yJ tq;fpapd; rhh;gpy; cl;gLk; rl;lr; nryTfs;>

ePjpkd;wf; fl;lzq;fs;> rl;lj;juzpf;fhd fl;lzq;fs; kw;Wk; fld; epYitia kPl;gJ my;yJ kPl;f

Kay;tJ njhlh;gpyhd Vida tq;fpf; fl;lzq;fis tq;fpf;Fr; nrYj;j Ntz;ba nghWg;G

vd;id/vk;ik rhh;e;jJ vd;gijAk; ehd;/ehk; Vw;Wf;nfhs;fpNwd;/Vw;Wf;nfhs;fpNwhk;. ,f; fld; jpl;lk;

njhlh;ghd tpjpfs; kw;Wk; epge;jidfs; vkf;F toq;fg;gl;L> tpsq;fg;gLj;jg;gl;L vd;dhy;/vk;khy;

Ghpe;Jnfhs;sg;gl;ld vd;gijAk; tpjpfs; kw;Wk; epge;jidfspd; gpujpnahd;W vd;dplk;/vk;kplk;

cs;sJ vd;gijAk; ehd;/ehk; mtw;wpw;Fg; gzpe;njhOf ,zq;FfpNwd;/,zq;FfpNwhk; vd;gijAk;

ehd;/ehk; ,j;jhy; cWjpg;gLj;JfpNwd;/ cWjpg;gLj;JfpNwhk;.

,q;F toq;fg;gl;Ls;s jfty;fs; cz;ikahdit kw;Wk; rhpahdit vdTk; ,t; tpz;zg;gj;ij

epug;Gk;NghJ Kf;fpakhd jfty; vJTk; Ntz;Lnkd;Nw kiwf;fg;gltpy;iy vdTk; ehd;/ehk;

cWjpg;gLj;JfpNwd;/cWjpg;gLj;JfpNwhk;.

ifnahg;gk; cWjpnra;ag;gl;lJ

10

xt;nthU khjKk; fld; jtizg;gzk; nrYj;jg;gl Ntz;ba jpfjpapy; my;yJ mjw;F Kd;dh;

gpd;tUtij tq;fpapYs;s vdJ/vkJ fzf;fpw;F mDg;Gk;gb vdJ/vkJ jw;Nghja njhopy;

toq;FeUf;F vt;tpj kWjypg;Gf;Fk; ,lkpd;wp mwpTWj;jiy toq;f ehd;/ehk;

,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

(milahskplTk;) epfu khjhe;jr; rk;gsk; rk;gsj;jpypUe;J khjhe;jj; jtizg;gzk; epiyahd fl;lis

vdJ/vkJ tzpf eltbf;iffs; my;yJ tzpff; fld; jFjpepiy gw;wpa jfty;fis toq;ff;$ba

epWtdk;/epiyaj;jpypUe;J mj;jifa jfty;fisg; ngw;Wf;nfhs;s ehd;/ehk; tq;fpf;F

mjpfhukspf;fpNwd;/ mjpfhukspf;fpNwhk;. vdJ/vkJ fld; tpz;zg;gk; kw;Wk;/my;yJ vdJ/vkJ

fld; jFjpepiyia kjpg;gPL nra;tjw;Fk;> vdJ/vkJ jtWifiaj; jtph;f;f vdf;F/vkf;F cjTk;

nghUl;Lk;> vdJ/vkJ jtWif gw;wp NtW fld; toq;Feh;fSf;F mwptpf;fTk; ,j; jfty;

gad;gLj;jg;glyhk; vd;gij ehd;/ehk; mwpNtd;/mwpNthk;.

fld; njhif> tl;b> fl;lzq;fs; kw;Wk; Vida tpjpg;gdTfSk; KOikahfr; nrYj;jg;gLk; tiu>

Nkw;Fwpg;gl;l mwpTWj;jy; vdJ/vkJ jw;Nghja njhopy; toq;Fehpdhy; nraw;gLj;jg;gLtij

cWjpg;gLj;j ehd;/ehk; ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

Nkw;Fwpg;gpl;l tiuaiwfSf;F cl;gl;ljhf> ehd;/ehk; vdJ/vkJ jw;Nghja njhopy;

toq;FehplkpUe;J tpyfpdhy;> xt;nthU khjKk; fld; jtizg;gzk; nrYj;jg;gl Ntz;ba jpfjpapy;

my;yJ mjw;F Kd;dh; epfu khjhe;jr; rk;gsj;ij tq;fpapYs;s vdJ/vkJ fzf;fpw;F mDg;Gk;gb

vdJ/vkJ cj;Njr njhopy; toq;FeUf;F vt;tpj kWjypg;Gf;Fk; ,lkpd;wp mwpTWj;jiy toq;f

ehd;/ehk; ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;. fld; njhif> tl;b> fl;lzq;fs; KOikahfr;

nrYj;jg;gLk; tiu> mj;jifa mwpTWj;jy; vdJ/vkJ cj;Njr njhopy; toq;Fehpdhy; mKy;

nra;ag;gLtij cWjpg;gLj;j ehd;/ehk; ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

epfu khjhe;jr; rk;gsj;ij> rk;gsj;jpypUe;J khjhe;jj; jtizj;njhifia mDg;Gk;gb vdJ/vkJ

jw;Nghija my;yJ cj;Njr njhopy; toq;FeUf;F toq;fg;gl;l mwpTWj;jy; my;yJ epiyahd

fl;lis tpLf;fg;gl;bUe;jhYk;> flidj; jPh;g;gjw;Fg; NghJkhd gzj;ij toq;f Ntz;ba nghWg;G

vd;id/vk;ik rhUk; vd;gij ehd;/ehk; ,j;jhy; Vw;Wf;nfhs;fpNwd;/Vw;Wf;nfhs;fpNwhk;.

fPNo Fwpg;gplg;gl;l tq;fp/fs; kw;Wk;/my;yJ epjp epWtdq;fs; %yk; toq;fg;gl;l fld; trjp/fs;

njhlh;ghd rfy nfhLg;gdTfisAk; vdJ/vkJ fzf;fpy;/fzf;Ffspy; gw;W itf;Fk;gbAk;

RtPfhpg;G epfOk; gl;rj;jpy; chpa fzf;fpy;/fzf;Ffspy; tuT itf;fTk; ehd;/ehk; tq;fpiaf;

11

Nfl;Lf;nfhs;fpNwd;/Nfl;Lf;nfhs;fpNwhk;.

fld; epuhfhpf;fg;gLk; gl;rj;jpy; vdJ/vkJ Nrkpg;G/eilKiw fzf;if %btpl ehd;/ehk; ,j;jhy;

tq;fpf;F mjpfhuk; mspf;fpNwd;/mspf;fpNwhk;. (milahskplTk;) Mk; ,y;iy

tq;fp/epjp epWtdj;jpd; ngaUk; KfthpAk; fzf;F ,yf;fk;/,yf;fq;fs;

gpujhd tpz;zg;gjhuhpd; ifnahg;gk; $l;L tpz;zg;gjhuhpd; ifnahg;gk;

jpfjp: jpfjp:

mjpfhukspg;G kw;Wk; ,og;ngjph;fhg;G – njhiyNgrp> kpd;dQ;ry; my;yJ NtW ,yj;jpudpay; njhlh;ghly; %yk;

tpLf;fg;gLk; mwpTWj;jy;fisr; nraw;gLj;Jtjw;fhf. (njhiy efy; ghpkhw;wiyj; jtph;j;J)

cq;fSf;Fk; vdf;Fk;Ævkf;Fk; ,ilapyhd VNjDk; jw;Nghja my;yJ vjph;fhy Mizaspg;Gfs;

my;yJ NtW xg;ge;jq;fs; my;yJ nrad;Kiwfs; vt;thwpUe;jhYk;> Gjpa fzf;Ffis Muk;gpj;jy;>

vdJÆvkJ rfy fzf;FfisAk; nraw;gLj;Jjy; cs;spl;l (Mdhy; mit kl;Lky;y)

Nehf;fq;fSf;fhfTk; fld; kw;Wk;Æmy;yJ Vida trjpfs; my;yJ tq;fpAldhd tq;fpapay;

Vw;ghLfs; njhlh;gpy; fhyj;jpw;Ff; fhyk; vd;dhy;Ævk;khy; (vdJÆvkJ fzf;Ffisr; nraw;gLj;j

mjpfhukspf;fg;gl;lth;fSk; ,jpy; cl;gLth;) njhiyNgrp> kpd;dQ;ry; my;yJ NtNwJk;

,yj;jpudpay; njhlh;ghly; %yk; toq;fg;gLk; my;yJ toq;fg;gl;ljhf fUjg;gLk; VNjDk;

mwpTWj;jy;fs; my;yJ njhlh;ghly;fspd; Nghpy; eltbf;if vLf;f (Mdhy; mt;thW nra;a

Ntz;Lk; vd;w flg;ghL cq;fSf;Ff; fpilahJ) fPNo ifnahg;gkpl;Ls;s ehd;Æehk; ,j;jhy;

cq;fSf;F Ntz;LNfhs; tpLj;J mjpfhukspf;fpd;Nwd;Æmjpfhukspf;fpd;Nwhk;.

cq;fSf;fhd vdJÆvkJ mwpTWj;jy;fis njhiyNgrp> kpd;dQ;ry; my;yJ NtNwJk;

,yj;jpudpay; njhlh;ghly; %yk; mDg;Gtjpy; ,lh;fs; rk;ge;jg;gl;Ls;sd vd;gij ehd;Æehk;

Ghpe;Jnfhz;L Vw;Wf;nfhs;fpd;Nwd;ÆVw;Wf;nfhs;fpd;Nwhk;. mj;Jld;> rfy ,lh;fSf;Fk; ehNdÆehNk

KOg; nghWg;ig Vw;f Ntz;Lk; vdTk; ePq;fs; ed;ek;gpf;ifAld; nraw;gLk; gl;rj;jpy; mjd;

tpisthf Vw;gLk; VNjDk; ,og;Gfs; my;yJ Nrjq;fSf;F ePq;fs; nghWg;ghspahf khl;Bh;fs;

vdTk; ehd;Æehk; ,j;jhy; Vw;Wf;nfhs;fpd;Nwd;ÆVw;Wf;nfhs;fpd;Nwhk;. ,e;j ,lh;fs; gpd;tUkhW:

VNjDk; mwpTWj;jy; my;yJ njhlh;ghly; ,ilkwpf;fg;gLjy; my;yJ mjpfhukw;w xUthpdhy;

tpLf;fg;gLjy;.

mwpTWj;jy;fs; my;yJ njhlh;ghly;fs; cz;ikahfNt fpilf;fhky;tpLjy; my;yJ jhkjkhff;

fpilj;jy; my;yJ fpilf;Fk;NghJ g+uzkw;wjhf ,Uj;jy;.

ehd;Æehk; xNu mwpTWj;jiy ntt;NtW tbtq;fspy; mDg;gpdhy;> ePq;fs; mjid xd;wpw;F

Nkw;gl;l jlitfspy; nraw;gLj;jf;$Lk;.

,yj;jpudpay; Kiwapy; mDg;gg;gLk; jfty;fs; ghJfhg;ghditahfNth Nrjk;;> itu]; kw;Wk;

12

NtNwJk; jPk;nghUs; mw;witahfNth ,Uf;Fk; vd;gij cj;juthjg;gLj;j KbahJ.

,yj;jpudpay; Kiwapy; mDg;gg;gLk; jfty;fs;> mDg;gPl;bd;NghJ ,of;fg;glyhk; my;yJ

rpije;Jtplyhk; my;yJ jhkjpf;fg;glyhk; my;yJ “Junk” my;yJ “Spam” gphpTfSf;F my;yJ

Ntwplq;fSf;Fj; jpirjpUg;gg;glyhk;.

mDg;gg;gLk; jfty;fis> cj;Njrpf;fg;gl;l ngWeh;(fs;) jtph;e;j NtW %d;whk; jug;gpdh;

ghh;itapl> ngw;Wf;nfhs;s> mZf my;yJ ntspg;gLj;j tha;g;G Vw;glf;$Lk;.

,yj;jpudpay; Kiwapy; mDg;gg;gLk; VNjDk; jfty;fs; rhpEl;gk; mw;witahf>

g+uzkw;witahf> vspjpy; Ghpahjitahf kw;Wk;Æmy;yJ cj;Njrpf;fg;glhjitahf ,Uf;ff;$Lk;.

cq;fs; ftdaPdk;> Ntz;Lnkd;Nw Ghpag;gl;l jtWif my;yJ Nkhrbapd; Neub tpisthf ,og;G

Vw;gl;bUe;jhyd;wp> ePq;fs; mj;jifa mwpTWj;jy;fs; my;yJ njhlh;ghly;fspd; Nghpy;

nraw;gLtjhy; cwg;gLk; VNjDk; ,og;gpw;F vjpuhf> Vw;Gila rl;lj;jpd; fPo; mDkjpf;fg;gLk;

msTf;F> cq;fSf;F ,og;ngjph;fhg;G toq;f ehd;Æehk; ,zq;Ffpd;NwdÆ,zq;Ffpd;Nwhk;. cq;fs;

cs;sf mikg;GfSf;F ntspNa jfty;fspd; ghJfhg;G kw;Wk; ,ufrpaj;jd;ik Fwpj;J

cq;fSf;Fg; nghWg;ngJTk; fpilahJ vd;gij ehd;Æehk; ,zq;fp Vw;Wf;nfhs;fpd;Nwd;Æ

Vw;Wf;nfhs;fpd;Nwhk;.

Nkw;gb mwpTWj;jy;fs; my;yJ njhlh;ghly;fspd; Nghpy; nraw;gLtjw;F ePq;fs; ,zq;Ftijf;

fUj;jpw;nfhz;L> ehd;Æehk; gpd;tUkhW ,zq;fpg; nghWg;Ngw;fpd;Nwd;Æ nghWg;Ngw;fpd;Nwhk;:

(a) vdf;Fk;Ævkf;Fk; ,ilapyhd njhiyNgrp ciuahliy> cq;fs; jPh;khdj;jpw;Nfw;g> vOj;jpy;>

xypg;gjpT ehlhtpy;> ,yj;jpudpay; Kiwapy; my;yJ NtNwJk; topapy; gjpTnra;a cq;fSf;F

mjpfhukspf;fg;gLfpd;wJ (Mdhy; mg;gbr; nra;a Ntz;Lnkd;w flg;ghL cq;fSf;F ,y;iy).

mj;jifa cq;fs; gjpTfs; KbthditahfTk; vd;idÆvk;ik gpzpg;gitahfTk; ,Uf;Fk;.

ePq;fs; nghUj;jnkdf; fUJk; fhyk; fle;j gpd;dh;> mj;jifa vOj;Jg; gjpTfs; kw;Wk;

xypg;gjpT ehlhf;fis ePq;fs; mopj;Jtplyhk;.

(b) ePq;fs; Nkw;gb mwpTWj;jy;fs; my;yJ njhlh;ghly;fspy; vtw;iwNaDk; nraw;gLj;Jtjw;F

Kd;dh;> cq;fshy; jPh;khdpf;fg;gLk; #o;epiyfspy;> cq;fshy; Fwpj;Jiuf;fg;gLk; Kiwapy;>

mj;jifa mwpTWj;jy;fs; my;yJ njhlh;ghly;fis Ch;[pjk; nra;Ak;gb Nfhuf;$Lk;.

(c) NkNy ge;jp (b),y; Fwpg;gplg;gl;Ls;sjw;F mikthf VNjDk; Ch;[pjg;gLj;jiy ePq;fs; nra;aj;

jtWjy; my;yJ jhkjpj;jy; (mj;jifa re;jh;g;gj;jpy; rk;ge;jg;gl;l mwpTWj;jiy my;yJ

njhlh;ghliy ePf;fptplj; jPh;khdpg;gjw;F cq;fSf;Fg; g+uz jw;WzpG cz;L) cs;spl;l> ePq;fs;

nghUj;jnkdf; fUJk; VNjDk; fhuzk; kw;Wk;Æmy;yJ VNjDk; #o;;epiyapdhy; Nkw;gb

mwpTWj;jy;fs; my;yJ njhlh;ghly;fspy; vtw;iwNaDk; vdf;FÆvkf;F mwptpf;fhkNy cq;fs;

g+uz jw;Wzpgpd; Nghpy; nraw;gLj;j kWg;gjw;F my;yJ nraw;gLj;jj; jhkjpg;gjw;F cq;fSf;F

chpikAz;L. mt;thW nraw;gLj;j kWg;gJ my;yJ jhkjpg;gJ njhlh;gpy; cq;fSf;F

vt;tpjkhd flg;ghL my;yJ nghWg;Gk; fpilahJ.

13

(d) VNjDk; fhuzj;jpdhy; mDg;gPl;L my;yJ njhlh;ghly; cgfuzq;fspy; my;yJ trjpfspy;

Vw;gl;l jil my;yJ nraypog;G my;yJ mDg;gPl;by; my;yJ njhlh;ghlypy; VNjDk;

fhuzj;jpdhy; Vw;gl;l jil my;yJ jhkjk; my;yJ jtW (tiuaiw vJTkpd;wp> Nkw;gb

mwpTWj;jy;fs; my;yJ njhlh;ghly;fs; tq;fpf;Fs; jtwhd ,lj;jpw;F mDg;gg;gl;likAk; ,jpy;

cl;gLk;) Mfpatw;wpdhy; my;yJ tq;fpapd; fl;Lg;ghl;bw;F mg;ghw;gl;l VNjDk; fhuzj;jpdhy;

Nkw;gb mwpTWj;jy;fis my;yJ njhlh;ghly;fis nraw;gLj;Jtjpy; Vw;glf;$ba VNjDk;

jtWif my;yJ jhkjj;jpw;F ePq;fs; nghWg;ghspahf khl;Bh;fs;.

(e) mwpTWj;jy; toq;fg;gl;lNghJ> mJ cz;ikahdJ vd;W rk;ge;jg;gl;l tq;fp mYtyh;

ek;gpapUf;Fk; gl;rj;jpy;> VNjDk; mwpTWj;jiy toq;fpathpd; my;yJ toq;fpajhff;

fUjg;gLgthpd; milahsj;ij my;yJ mjpfhuj;ijNah my;yJ VNjDk; njhiyNgrp my;yJ

kpd;dQ;ry; nra;jpia my;yJ NtNwJk; tifapyhd ,yj;jpudpay; njhlh;ghlypd; cz;ikj;

jd;ikiaNah tprhhpf;fhky; Kd;nrhy;yg;gl;lthW ePq;fs; nraw;gl KbAk; (Mdhy; mt;thW

nra;a Ntz;Lk; vd;w flg;ghL vJTk; fpilahJ). mj;Jld;> mwpTWj;jy; tpLf;fg;gl;l Neuj;jpy;

epytpa #o;epiy my;yJ nfhLf;fy; thq;fy; njhifiaf; fUj;jpw; nfhs;shkYk;> mwpTWj;jy;

njhlh;gpyhd jtW> jg;ggpg;gpuhak;> njsptpd;ik> Nkhrb> Nghyp Mtzk; my;yJ mjpfhukpd;ik

vt;thwpUe;jhYk;> Nkyjpf Ch;[pjg;gLj;jy; my;yJ cz;ikf;fhd cWjpaspg;G my;yJ VNjDk;

tifapyhd RahjPj cWjpg;gLj;jy; vJTk; ,y;yhkYk;> Nkw;gb mwpTWj;jiy KOikahf

mjpfhukspf;fg;gl;ljhfTk; vd;idÆvk;ik gpzpg;gjhfTk; fUjp ePq;fs; eltbf;if vLf;f KbAk;.

(f) ehd;Æehk; tq;fpapy; jw;NghJ itj;jpUf;Fk; rfy fzf;FfisAk; vjph;fhyj;jpy; ehd;Æehk;

tq;fpapy; Muk;gpf;ff;$ba VNjDk; fzf;FfisAk; ,e; ,og;ngjph;fhg;G cs;slf;Fk;.

(g) kpd;dQ;ry; %yk; tq;fpAld; njhlh;ghly;fis Nkw;nfhs;Sk;NghJk; tq;fpf;F mwpTWj;jy;fis

toq;Fk;NghJk;> tq;fpf;F toq;fg;gl;l kpd;dQ;ry; KfthpiaNa ehd;Æehk; gad;gLj;JNtd;Æ

gad;gLj;JNthk;. mj;Jld;> tq;fpaplkpUe;J njhlh;ghly;fisg; ngWtjw;Fk; ,e;j kpd;dQ;ry;

KfthpiaNa gad;gLj;j ehd;Æehk; ,zq;Ffpd;Nwd;Æ,zq;Ffpd;Nwhk;. re;Njfk; Vw;gLtijj;

jtph;g;gjw;fhf> tq;fpf;F toq;fg;gl;l kpd;dQ;ry; Kfthp my;yhj NtnwhU kpd;dQ;ry;

KfthpapypUe;J vd;dhy;Ævk;khy; mDg;gg;gLk; vitNaDk; mwpTWj;jy;fs; njhlh;gpy; tq;fp

eltbf;if vLf;fhJ vd;gij ehd; Vw;Wf;nfhs;fpd;Nwd;. mt;thNw> toq;fg;gl;l kpd;dQ;ry;

Kfthpapd; Clhf tq;fpapdhy; vdf;FÆvkf;F mDg;gLk; rfy cs;tUk; njhlh;ghly;fSk;

vd;dhy;Ævk;khy; ngwg;gl;litahff; fUjg;gLk;.

(h) tq;fpaplKs;s rfy ,yj;jpudpay; gjpNtLfSk; Kbthdit> ,Wjpahdit kw;Wk;

vd;idÆvk;ik gpzpg;git vd;W nfhs;tjw;F ehd;Æehk; ,zq;Ffpd;Nwd;Æ,zq;Ffpd;Nwhk;.

(i) kpd;dQ;ry; %yk; my;yJ NtNwJk; jw;Nghja my;yJ vjph;fhy ,yj;jpudpay; topfs; %yk;

mDg;gg;gLk; VNjDk; mwptpj;jy;> mwpTWj;jy; my;yJ NtNwJk; njhlh;ghly; tq;fpf;Ff;

fpilj;Js;snjd ehd;Æehk;; fUjhky; tplf;$Lk;.

14

(j) Nkw;gb mwpTWj;jy;fs; my;yJ njhlh;ghly;fspy; vijNaDk; ePq;fs; nraw;gLj;jpajd;

(Neubahd my;yJ Neubaw;w) tpisthf my;yJ njhlh;ghf cq;fSf;F vjpuhff;

nfhz;Ltug;glf;$ba my;yJ nra;ag;glf;$ba my;yJ vLf;fg;glf;$ba my;yJ ePq;fs;

cwf;$ba my;yJ ghjpg;gilaf;$ba chpikf; Nfhuy;fs;> rl;l eltbf;iffs;> toq;Ffs;>

fpuaq;fs; kw;Wk; nryTfs; (,og;ngjph;fhg;G mbg;gilapyhd rl;lr; nryTfSk; cl;gLk;)>

Nrjq;fs;> ,og;Gfs; midj;jpypUe;Jk; VNjDk; jd;ikapyhd nghWg;Gfs; midj;jpypUe;Jk;>

Nfhhpf;ifapd; Nghpy;> g+uzkhd ,og;ngjph;fhg;ig(,uz;L mjw;F Nkw;gl;lth;fnsdpd; $l;lhfTk;

jdpj;jdpahfTk;) toq;f ehd;Æehk;; ,zq;Ffpd;Nwd;Æ,zq;Ffpd;Nwhk;.

(k) vd;dhy;Ævk;khy; Kd;$l;bNa vOj;J %yk; Fwpg;ghf ,uj;Jr; nra;ag;gl;lhyd;wp> ,e;j

,og;ngjph;fhg;G njhlh;e;J nry;YgbahdjhfTk; tYTs;sjhfTk; mKypypUf;Fk;.

(l) mj;jifa VNjDk; mwpTWj;jy;fspy; mlq;fpAs;s gzpg;GiufSf;Nfw;g tq;fpapdhy;

Nkw;nfhs;sg;gl;l VNjDk; eltbf;iff;F Kuzhfhj tpjj;jpy;> tq;fpahdJ ve;j Neuj;jpYk;

,e;j trjpia thg]; ngw KbAk;.

(m) ,e;j ,og;ngjph;fhg;G ,yq;ifapd; rl;lq;fspdhy; Ml;rp nra;ag;gLtJld;> mtw;wpw;F

mikthdjhfTk; nfhs;sg;gLk;. ehd;Æehk; ,yq;if ePjpkd;wq;fspd; gpuj;jpNafkw;w

epahahjpf;fj;jpw;Ff; fl;Lg;gl vt;tpj kWjypg;Gf;Fk; ,lkpd;wp ,j;jhy; ,zq;Ffpd;Nwd;Æ

,zq;Ffpd;Nwhk;.

,e;j ,og;ngjph;fhg;gpd; VNjDk; ,uj;Jr;nra;if> mJ gw;wpa vOj;J%y mwptpj;jy; cq;fSf;Ff;

fpilj;j ,uz;L tpahghu ehl;fSf;Fg; gpd; eilKiwf;F tUk;. ,og;ngjph;fhg;G mt;thW

KbTWj;jg;gl;lhYk;> mj;jifa KbTWj;JjYf;F Kd; VNjDk; mwpTWj;jy;fspy; my;yJ ,e;j

,og;ngjph;fhg;gpd; tpjpKiwfspy; mlq;fpapUe;j gzpg;GiufSf;F mikthf tq;fpapdhy; vLf;fg;gl;l

VNjDk; eltbf;if njhlh;gpy; ,e;j ,og;ngjph;fhg;gpd; tpjpKiwfspypUe;J ehd;Æehk; tpLtpf;fg;gl

khl;Nld;Ækhl;Nlhk;.

ifnahg;gq;fs;: gpujhd tpz;zg;gjhuhpd;; “A” $l;L tpz;zg;gjhuhpd; ifnahg;gk; “B”

,yj;jpudpay; gz khw;w ml;ilfSf;fhf tpz;zg;gjhuh;(fs;) nra;Ak; gpufldk;

,yq;if kj;jpa tq;fp ,yj;jpudpay; gz khw;w ml;ilfSf;fhf tpz;zg;gjhuh;(fs;) nra;Ak; gpufldk;;

ntspehl;L ehzag; ghpth;j;jidj; jpizf;fsg; gzpg;ghsUf;F

(fldl;il/gw;W ml;il my;yJ NtNwJk; ,yj;jpudpay; gzg; ghpkhw;w ml;ilapd; Nghpy; ntspehl;L ehzakhw;iwg; ngWtjw;F tpz;zg;gjhuh;/fs; epug;g Ntz;baJ)

...................................................................... (gpujhd ml;il itj;jpUg;gth;ÆJiz ml;il itj;jpUg;gth;)

.......................................................... (gpujhd ml;il itj;jpUg;gth;ÆJiz ml;il itj;jpUg;gth;) Mfpa

ehd;/ehk;> NkNy ,g; gbtj;jpy; vd;dhy;Ævk;khy; toq;fg;gl;Ls;s rfy tpguq;fSk; cz;ikahdit

kw;Wk; rhpahdit vd;W gpufldk; nra;fpd;Nwd;Ænra;fpd;Nwhk;. ,yj;jpudpay; epjpg; ghpkhw;w

15

ml;ilfs; (EFTCs) njhlh;ghd 2017Mk; Mz;bd; 12Mk; ,yf;f ntspehl;L ehzag; ghpth;j;jidr;

rl;lj;jpd; (rl;lk;) Vw;ghl;bd; fPo; tpjpf;fg;gl;Ls;s epge;jidfis ehd;Æehk; mwpNtd;ÆmwpNthk;

vdTk; mit tq;fpapdhy; tpsf;fpf;$wg;gl;ld vdTk; mtw;wpw;F mikaNt ml;ilia ntspehl;Lf;

nfhLf;fy; thq;fy;fspy;; gad;gLj;j KbAk; vd;gij ehd;Æehk; mwpNtd;ÆmwpNthk; vdTk; ehd;Æehk;

,j;jhy; cWjpg;gLj;Jfpd;Nwd;ÆcWjpg;gLj;Jfpd;Nwhk;. mj;Jld;> Nkw;gb epge;jidfSf;Fg; gzpe;J

elf;f ehd;Æehk; ,zq;Ffpd;Nwd;Æ,zq;Ffpd;Nwhk;.

rl;lj;jpd; Nehf;fj;jpw;fhf> ];lhd;ll; rhl;lh;l; tq;fp NfhUk; gl;rj;jpy;> vdf;FÆvkf;F toq;fg;gl;l

ml;il %ykhd vdJÆvkJ ntspehl;L ehzakhw;Wf; nfhLf;fy; thq;fy;fs; gw;wpa VNjDk;

tpguq;fis toq;fTk; ehd;Æehk; ,zq;Ffpd;Nwd;Æ,zq;Ffpd;Nwhk;.

vdf;FÆvkf;F toq;fg;gl;l EFTC %yk; mjpfhukspf;fg;glhj ntspehl;L ehzakhw;Wf;;; nfhLf;fy;

thq;fy;fs; ,lk;ngWfpwnjdr; re;Njfpg;gjw;F epahakhd fhuzq;fs; ,Uf;Fkhapd;> EFTC %yk;

ntspehl;L ehzakhw;W toq;fg;gLtij ,ilepWj;jTk; ,e;j tplaj;ij ntspehl;L ehzag;

ghpth;j;jidj; jpizf;fsg; gzpg;ghsUf;F mwptpf;fTk; mjpfhuk; ngw;w tzpfh; (tq;fp)

Njitg;gLj;jg;gLthh; vd;gij ehd;Æehk; mwpNtd;ÆmwpNthk;

ehd;Æehk; Fbngah;e;jhy; my;yJ njhopy; Ghptjw;fhf ntspehL nrd;why;> vdJÆvkJ fldl;ilÆfs;

];lhd;ll; rhl;lh;l; tq;fpaplk; kPs xg;gilf;fg;gLk; vd;gij ehd;Æehk; cWjpg;gLj;Jfpd;Nwd;Æ

cWjpg;gLj;Jfpd;Nwhk;.

.................................................... .............................................................................................. jpjp khkh tttt gpujhd ml;il itj;jpUg;gthpd; ifnahg;gk; ................................................................................................ Nkyjpf ml;il itj;jpUg;gthpd; ifnahg;gk;

ehd;> mjpfhug+h;t mYtyh; vd;w Kiwapy;> tpz;zg;gjhuhpdhy;Ætpz;zg;gjhuh;fspdhy;

toq;fg;gl;Ls;s jfty;fisAk; chpa Mtzq;fisAk; ftdkhfg; ghprPyid nra;J> mj;

jfty;fspdJk; Mtzq;fspdJk; cz;ikj; jd;ik Fwpj;Jj; jpUg;jp mile;Js;Nsd;. ml;il

itj;jpUg;gth; jdJ EFTCI gad;gLj;jp ntspehl;L ehzakhw;wpy; Nkw;nfhs;Sk; nfhLf;fy;

thq;fy;fs; kPJ chpa ftdj;ijr; nrYj;j ehd; nghWg;Ngw;fpd;Nwd;. thf;FWjp mspf;fg;gl;ljw;F

khwhf> EFTC %yk; VNjDk; mDkjpaw;w ntspehl;L ehzakhw;Wf; nfhLf;fy; thq;fy;fs;

,lk;ngw;Ws;snjdr; re;Njfpg;gjw;F epahakhd fhuzq;fs; ,Ue;jhy;> ntspehl;L ehzakhw;W

toq;Fjy; ,ilepWj;jg;gLk; vd;gJld;> ,e;j tplak; ntspehl;L ehzag; ghpth;j;jidj; jpizf;fsg;

gzpg;ghshpd; ftdj;jpw;Ff; nfhz;Ltug;gLk;.

jpjp khkh tttt mjpfhug+h;t ifnahg;gjhuh;

16

gpufldk; (tq;fp mYtyuhy; epug;gg;gl Ntz;Lk;)

……………………………………………………. (mYtyhpd; ngah; kw;Wk; ID) Mfpa ehd;> ,e;j

tpz;zg;gj;Jld; rkh;g;gpf;fg;gl;Ls;s thbf;ifahshpd; milahs Mtzq;fs; kw;Wk; njhlh;Gila

cWjpg;gLj;jy; Mtzq;fspd; %yg;gpujpfis ………………………………………… (jpfjp> Neuk;.

,lk; vd;gtw;iwf; Fwpg;gplTk;) ghh;itapl;L> Ch;[pjk; nra;Js;Nsd; vd;gijAk; ,q;F

,izf;fg;gl;Ls;s mtw;wpd; gpujpfs; cz;ikahdit kw;Wk; mNj khjphpahdit vd;gijAk;

,j;jhy; cWjpg;gLj;Jfpd;Nwd;.

jpjp khkh tttt mjpfhug+h;t ifnahg;gjhuh;

ntspehl;Lf; fzf;F thp ,zf;fg;ghL

NkNy jug;gl;Ls;s jfty;fs; cz;ikahdit> rhpahdit kw;Wk; g+uzkhdit vd;gij ehd;/ehk;

cWjpg;gLj;JfpNwd;/cWjpg;gLj;JfpNwhk;.

nghUj;jkhd cs;ehl;Lr; rl;lq;fSf;F Kuzhfhj tifapy;> vdJ/vkJ jfty;fis> VNjDk;

epahahhpf;fg; gpuNjrj;jpy; vdJ/vkJ thpg; nghWg;Gf;fisj; jPh;khdpg;gjw;fhf> cs;ehl;L my;yJ

ntspehl;L xOq;FgLj;Jeh;fs; my;yJ thp mjpfhhpfSld; gfph;e;Jnfhs;s ehd;/ehk; ];lhd;ll;

rhl;lh;l; tq;fp gp.vy;.rp.f;F my;yJ (fpisfs; cs;spl;l) mjd; Jiz epWtdq;fSf;F ,j;jhy;

xg;Gjy; mspf;fpNwd;/mspf;fpNwhk;.

cs;ehl;L my;yJ ntspehl;L xOq;FgLj;Jeh;fs; my;yJ thp mjpfhhpfspdhy; Njitg;gLj;Jkplj;J>

nghUj;jkhd rl;lq;fs;> gpukhzq;fs;> xOq;FgLj;Jeh;fs; kw;Wk; mjpfhhpfSldhd xg;ge;jq;fs;

kw;Wk; gzpg;GiufSf;F mikthf mtrpag;gLk; njhiffis vdJ/vkJ fzf;fpy;(fzf;Ffspy;)

jLj;Jitj;Jr; nrYj;Jtjw;F ehd;/ehk; rk;kjKk; ,zf;fKk; njhptpf;fpNwd;/njhptpf;fpNwhk;.

vd;dhy;/vk;khy; tq;fpf;F toq;fg;gl;l jfty;fspy; VNjDk; khw;wk; Vw;gbd;> 30 fyd;lh;

ehl;fSf;Fs; mJ gw;wp tq;fpf;F mwptpf;f ehd;/ehk; ,zq;fpg; nghWg;Ngw;fpNwd;/nghWg;Ngw;fpNwhk;.

gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”

17

gpufldk; (Mizaspg;Gg; gbtj;ij thbf;ifahshpd; rhh;gpy; tq;fp mYtyh; epug;gpdhy;> ,J

epug;gg;gl Ntz;Lk;

....................................................................................................................................................................................................................

........................................................................................................................... (tq;fp mYtyhpd; ngaUk; milahs

ml;il ,yf;fKk;) vd;w tq;fp mYtyh; vdJ/vkJ Ntz;Ljypd; Nghpy; ,e;j tpz;zg;gg; gbtj;ij

epug;;gpdhh; vdTk; ,jpy; njhptpf;fg;gl;Ls;s tpguq;fs; cz;ikahdit kw;Wk; rhpahdit vdTk;

ehd;/ehk; cWjpg;gLj;Jfpd;Nwd;/cWjpg;gLj;Jfpd;Nwhk;. ,e;j tpz;zg;gg;gbtj;jpy; jtwhd/

cz;ikaw;w tpguq;fs; ,lk;ngwpd;> mjd; tpisthf Vw;gLk; nghWg;Gf;fSf;F tq;fpia my;yJ

mjd; gpujpepjpfisg; nghWg;ghspahf;f KbahJ vd;gij ehd;/ehk; xg;Gf;nfhz;L> mjw;F

,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

gpujhd fzf;F itg;ghsh; “A” $l;Lf; fzf;F itg;ghsh; “B”

Jizml;il itj;jpUg;gtu;

midj;J gf;fq;fspYk; ifnahg;gk; rhp ghh;f;fg;gl;lJ

RB/Bundles/Mandate/2020/07