(Cambodia - 2005) Law On Negotiable Instruments and Payment Transaction

CMBUkTI 1
bTb,BatiTUeTA
maRta 1>c,ab;enHRKb;RKgelI]bkrN_GacCYjdUr)an nigRbtibtikarTUTat;
sgR)ak; rYmbBalTaMg KNnIFnaKar nigRbtibtikarnRbBnTUTat;sgR)ak;.
1- ]bkrN_GacCYjdUr)ansMedAdl;bBaa bkarsnaCalaylkN_GkSr edIm,ITUTat;sgcMnYnR)ak;CakMNt;mYy EdlGacepr)antam
rykarRbKl; ehIykalebIcaM)ac; kmanbidielxpgEdr . ]bkrN_Gac
CYjdUr)an EdlRKb;RKgedayc,ab;enH rYmman mUlb,TanbRt rUby
i aNti
nigbNsgtambBaa .
2- Rbtibtki arTUTat;sgR)ak; EdlRKb;RKgnigkMNt;edayc,ab;enH
CakareprmUlniFri vag bBIKNnIFnaKar . RbtibtikarTUTat;sgR)ak;Gac
Cakarepr\NTan bCakarepr\NBn . RbtibtikarenH RtUv)anpcepIm
eLIgtamrybBaaTUTat; EdlGacRtUv)aneFVICalaylkN_GkSr tameGLicRtUnik nigedaypal;mat;enAeRkamlkxN
xH .
3- RbBnT TU at;sgR)ak; rYmmansabnbynkar EdlsRmYldl;
karTUTat;sgR)ak;CarUbiyvt nigCakareprtmCarUbiyvttamryRbtibtikar
TUTat;sgR)ak; .
maRta 2>BakbeckeTsEdleRbIkgc,ab;enH manniymnydUcteTA
1- krNIRbFanski sMedAdl;RBwtki arN_ EdlCa]bsKmni Gacecosput)an minGacRKb;RKg)an nighYsBIlTPaBRtYtRtarbs;bKu l
Edl
RtUvGnuvtkatBVkic .
2- karecjpSay sMedAdl;karsresr cuHhtelxa nigRbKl;
mUlb,TanbRt rUbiyaNti bbNsgtambBaa[eTAGkkan;TImYy .
-1-
3- karecjmUlb,TanbRt brUbiyaNti sMedAdl;karsresr

nigcuHhtelxaelImUlb,TanbRt brUbiyaNti .
4- karTUTat; sMedAdl;karsgR)ak; edIm,ICRmHkatBVkicelIbBaa
TUTat;GnrFnaKar .
5- karbgaj sMedAdl;karRbKl;mUlb,TanbRt rUbiyaNti b
bNsgtambBaa edIm,IsMu[eFVIsVIkarcMeBaHrUbiyaNti bTUTat;sgR)ak;BI
bharit bGkecjbN .
6- karRbtibti enAkgCMBUkTI 5 nc,ab;enH sMedAdl;karGnuvt
bBaa EdlmanenAkgbBaaTUTat; tamrykarecjbBaaTUTat;Bak;BneTA
kan;FnaKarTTYl .
7- karpat;Tat; sMedAdl;karbrKa nigdMeNIrkarCaGnrFnaKar
elIbBaaTUTat; kg eKaledAKNnacMnnY R)ak;sTu CaeTVPaKIbBhuPaKI Edl
FnaKarnImYyCMBak;KaeTAvijeTAmk kgkarTUTat;ral;bBaaTUTat;EdlRtUv
)anbBalmkkgRKapat;Tat;nImYy .
8- kareprpkg sMedAdl;kareprmUlniFi BIGksgR)ak;[eTA
GkTTYlR)ak; enAkgFnaKarCamYyKa edaymanbBaaTUTat;EtmYy .
GkcUlrYmenAkgkareprpkgrYmman GkepImRbtibtikar FnaKarEdledIrtY
CaGkepImRbtibtikarpg nigCaFnaKareKaledApg ehIynigGkTTYl .
9- kareprGnrFnaKar sMedAdl;kareprmUlniFi BIGksgR)ak;[
eTAGkTTYlR)ak;enAFnaKarBIrepSgKa edaymanbBaaTUTat;ya: gticcMnnY BIr .
enAkg kareprGnrFnaKar
k> FnaKarTTYlnImy
Y EdlBMuEmnCaFnaKareKaledA Rbtibti
tambBaaTUTat;nGkepJIrbs;xn tamrykarecjbBaaTUTat;Bak;BneTAkan;
FnaKarTTYl ehIybBaaTUTat;cugeRkayRtUv)anepJIeTAFnaKareKaledA
x> GkcUlrYmenAkgkareprGnrFnaKarrYmman GkepImRbtibtikar
FnaKarepImRbtibtikar FnaKareKaledA nigGkTTYl RBmTaMgGacman
-2-
FnaKarGnrkarImYy beRcInpgEdr
K> enAeBlNaEdlFnaKarepImRbtibtikar BMu)anTUTat;eday
pal;CamYyFnaKareKaledAeT y:agehacNas; kcaM)ac;RtUvmanFnaKar
GnrkarImYy beRcInpgEdr
X> sRmab;bBaaTUTat;GnrFnaKarnImy
Y FnaKarepJTI TU at;CamYy
FnaKarTTYl dUcmanEcgkg maRta 202nc,ab;enH .
10- karepr\NBn sMedAdl;RbtibtikarTUTat;sgR)ak;epImeLIg
edayGkTTYlR)ak;bBaaeTAFnaKarrbs;xn edayEpkelIkarGnuBaatBIGksg
R)ak; [eFVkI arTarR)ak;BKI NnIGk sgR)ak; .
11- karepr\NTan sMedAdl;RbtibtikarTUTat;sgR)ak;epImeLIg
edayGksgR)ak;Edl)anecjbBaaTUTat;[FnaKareprmUlniFiecjBIKNnI
rbs;xn [eTAGkTTYlR)ak; beTAkgKNnIGkTTYlR)ak; .
12- kicR BmeRBog kgEpkTI 7 CMBUkTI 5 nc,ab;enHsMedAdl;
kics
narvagFnaKar nigGtifCi n EdlGnuvtceM BaHRbtibtki arKNnI rYmTaMg
bBaanana dUcCaryeBlnRbtibtikarenaH karEkERb nigbBaaTUTat; .
13- KNnI sMedAdl;KNnITaMgLay Edl)anebIkenAeRkam
kics
nar vagGtifCi n nigFnaKar eTaHbICaKNnIcrn KNnIeprR)ak; b
KNnIepSgeTotkI nigrYmTaMgKNnIenAeRkamTMnak;TnM gBiess EdlbegIt
eLIgkgeKalbMNgGnuvtRbtibtikarTUTat;sgR)ak;EtmYyb:ueNaH .
14- KNnITTU at; sMedAdl;KNnIEdlFnaKarmYy )anebIkenAkg
bBarI bs;FnaKarCatin km<C a sRmab;RbtibtikarTUTat;sgR)ak;cl
U nigecj .
15- KNnIR)ak;beBaImanesovePA sMedAdl;KNnIEdlRtUv)ancuH
\NBn nig\NTan edayFnaKar edIm,Ikt;RtaRbtibtikarkgesovePAR)ak;beBaI EdlFnaKar)anecj[GtifCi ntaMgBIdbM gU ehIyRtUv)anykmk[
FnaKarkt;Rtaral;Rbtibtki ar .
16- tamkarRbKl;siTi sMedAdl;karRbKl;siTi EdlmankRmit
-3-
edIm,ITarR)ak;kgnamGkepr .
17- tameGLicRtUnik sMedAdl;meFa)ayTUrKmnaKmn_ Pab;eday
RbBnkMuBTr bkarbBanCarUbvn BMumankarPab;RbBnkMuBTr manExSGat;
hVNURkam b]bkrN_Rbhak;RbEhlenH .
18- tmsRmab;TarbMNul sMedAdl;tmEdlRtUv)anTTYl eday
GkeprenAeBleFVIebLanicy btmEdlTarmkvijedayGkTTYlkarepr enA
elI]bkrN_GacCYjdUr)an .
19- tmsRmab;Fana b tmsRmab;dak;bBaaM sMedAdl;karepr
edaymankarFana bkareprkgeKalbMNgbegItGtRbeyaCn_nkarFana
nigEdlminEmnCakareprkmsiTi .
20- feFVIkarrbs;FnaKar sMedAdl;eBlevlamYyEpk nf
EdlkgGMLgeBlenaH FnaKar)anebIkTVar edIm,ITTYl dMeNIrkar bBanbBaa
TUTat; nigsarepSgEdlTak;TgeTAnwgRbtibtikarTUTat;sgR)ak; .
21- fRbsiTPaB sMedAdl;feFVIkarrbs;FnaKar EdlenAkg
fenaHbBaaTUTat; RtUv)anGnuvttambBaarbs;GkepJI .
22- FnaKar sMedAdl;FnaKarCatinkm<Ca nigRKwHsanFnaKar
nighirBavt EdlRtUv)anpl;GaCJabN[eFVIRbtibtikarFnaKar eRkamc,ab;
sIBIRKwHsanFnaKar nighirBavt nigRKwHsan bGgPaBNamYyEdlc,ab;
GnuBaat[TTYlR)ak;beBaI bcUlrYmkgRbtibtikarTUTat;sgR)ak; elIKNnI
rbs;GtifiCn .
saxa bkariyalyedayELkrbs;FnaKar RtUv)ancat;Tku Ca
FnaKardac;edayELk sRmab;eKalbMNgn k ParkickgkarGnuvtRbtibtikarTUTat;sgR)ak; nig x karKNnaeBlevlaEdlkgeBlenaH b
kMNt;kEngEdlenATIenaHskmPaB besckICUndMNwg bbBaaRtUv)aneFVI .
23- FnaKareKaledA sMedAdl;FnaKar EdlRtUv)anbBaak;enA
kg bBaaTUTat; Edlkg enH karTUTat;[eTAGkTTYlR)ak; kg karepr\NTan
-4-
RtUv)aneFVeI LIg bEdlmanKNnIrbs;Gk sgR)ak;kg karepr\NBn .

FnaKareKaledA CaFnaKarEdlTTYlbBaaTUTat;eRkayeKbgs; enAkg Rbtibtki arTUTat;sgR)ak; . enAkg karepr\NTan FnaKareKaledACaFnaKar
rbs;Gk TTYlR)ak; . enAkg karepr\NBn FnaKareKaledACaFnaKar
rbs;Gk sgR)ak; .
24- FnaKarepmI Rbtibtki ar sMedAdl;FnaKarEdlTTYlbBaa
TUTat; EdlepmI [manRbtibtki arTUTat;sgR)ak; . enAkg karepr\NTan
FnaKarepmI Rbtibtki ar CaFnaKarrbs;Gk sgR)ak; . enAkg karepr\NBn
FnaKarepmI Rbtibtki ar CaFnaKarrbs;Gk TTYlR)ak; .
25- FnaKarTTYl sMedAdl;FnaKar EdlbBaaTUTat;rbs;Gk
epJIRtUv)anbBan[eTA .
26- FnaKarGnrkarI sMedAdl;FnaKarTTYl Edlsti enAkNal
FnaKarepImRbtibtikar nigFnaKareKaledA .
27- nItiviFIsuvtiPaB sMedAdl;nItiviFIbegIteLIg edaykicRBm
eRBogrvagGtifiCn nigFnaKarTTYl kgeKalbMNg
- epgpat;fa bBaaTUTat; bkarbBaabBab; BitCabBaarbs;
GtifiCn b
- ravrkkarPnRcLMkgkarbBan bkgxwmsarnbBaasgR)ak;
bbBaabBab; .
nitI vi Fi s
I vu tPi aB GacTamTar[mankareRbIR)as;vFi an elxkUd belxsmat;
EdlbBaak;Bak bcnM nY R)ak;Bakmannysmat; nItvi Fi s
I rY bBaak;eTAvij b
viFRI bhak;RbEhlepSgeTot . kareRbobeFobhtelxa enAelIbBaaTUTat;
bTnM ak;TnM gCamYyGtifCi n EdlmanKMrh
U telxaRbtiRsut BMEu mnCanItvi Fi I
suvtPi aBeLIy .
28- bgVl
i vijedayKanesahuy sMedAdl;karsna EdlGnuBaat
[eFV]I )aRsyTl;ngw PaKIBak;Bn edaymintRmUv[Gkkan;eFVvI ri Tu v aT .
-5-
29- bBaaTUTat; sMedAdl;bBaa eTAFnaKar[eFVkiI arsgR)ak; bTar

R)ak;my
Y cMnnY ecjBIKNnI Edl)ancgl
bgaj[eTA bsRmab;Gk TTYl
R)ak; b[eTA bsRmab;KNnIrbs;GkTTYlR)ak; nigrYmTaMgkarEkERbNamYy
enAelIbBaaTUTat;pgEdr . bBaaenaHGacmankMNt;fRbsiTP aB b:Eu nmni RtUv
sitenAeRkamlkxNNamYy eRkABIGVIEdlFnaKarepImRbtibtikar)anRBmeRBogGnuvteLIy . PaKInbBaaTUTat; rYmmanGkepJI nigFnaKarTTYl .
enAeBlNaEdlGkepJICaFnaKar enAeBlenaHbBaaTUTat; KWCabBaaTUTat;
GnrFnaKar .
30- bhark sMedAdl;bKu l
EdlecjbBaa[TUTat;sgmUlb,TanbRt brUbiyaNti .
31- bharit sMedAdl;bKu l
EdlTTYlbBaa[TUTat;sgmUlb,TanbRt brUbiyaNti .
32- RbtibtikarTUTat;sgR)ak; sMedAdl;kareprmUlniFiBIKNnI
GksgR)ak;[eTAGkTTYlR)ak; b[eTAKNnIGkTTYlR)ak; . Rbtibtikar
TUTat;sgR)ak;
k GacCakarepr\NTan bCakarepr\NBn
x RtUv)anpcepImeLIgedaybBaaTUTat;rbs;GkepImRbtibtikar
eTAkan;FnaKarepImRbtibtikar [Gnuvtn_RbtibtikarTUTat;sgR)ak;enaH
K RtUv)anGnuvtedayFnaKarGksgR)ak; edaykarkt;Rta
\NBn elIKNnIrbs;GksgR)ak; cMeBaHFnaKarrbs;GkTTYlR)ak;vij
eFVIkarkt;Rta\NTanelIKNnIrbs;GkTTYlR)ak; bdak;mUlniFi[sitenA
kgkarRKb;RKg nigsRmab;tRmUvkareRbIR)as;rbs;GkTTYlR)ak; dUcEdl
)anbBaaedayGkepImRbtibtikar
X GacCakareprmUlniFBi GI k sgR)ak;eTAGkTTYlR)ak; Edl
GacCarUbvnb Ku l
bntI bi Ku l
mYy bBrI epSgKa nig
-6-
g GacCakareprmUlniFi EdlenAkgenaHGksgR)ak;RtUvEt
manKNnI ehIykarTUTat;[eTAGkTTYlR)ak;GacnwgeFVIeLIgenAkgFnaKar
EtmYyCamYyKa bBIrepSgKa .
33- bidei lx sMedAdl;htelxaelIxgn]bkrN_GacCYjdUr)an
edayman bKanBakbBaak; . edIm,ImanRbsiTPaB bidielxRtUvEt)an
bMeBjbgb;edaykarRbKl; .
34- buKl sMedAdl;nItibuKl nigrUbvnbuKl .
35- PaBRKb;RKan;nsmtul cMeBaHbBaaTUTat; sMedAdl;kar
manmUlniFiRKb;RKan; eBalKW GtiPaBnsmtulKNnI EdlminticCag
cMnYnR)ak;nbBaaTUTat; rYmmansmtulenAeBlbiTbBaI nafeFVIkarrbs;
FnaKarfmSil bUk xg;\NTannkareprR)ak;cUlkgKNnIGksgR)ak;
nafeFVIkarrbs;FnaKarfenH R)ak;beBaInigR)ak;eprcUl dk karsgR)ak;
ecj kardkR)ak;EdlekItmanrYcehIy nafeFVIkarrbs;FnaKarfenH nig
esahuyTaMgLayrbs;FnaKarEdlGacman . mUlniFiEdlqHbBaaMgCa
xg;\NTanbeNaHGasn enAkgKNnIrbs;GksgR)ak; minRtUv)anbUk
bBalCaEpkmYyncMnYnR)ak; EdltRmUvsRmab;karTUTat;enaHeT .
36- mUlniFi sMedAdl;sac;R)ak; nigR)ak;beBaI Edl)andak;
epJIenAkgKNnIFnaKar .
37- rUby
i bdiePaK sMedAdl;karFanaTUTat;sgR)ak; elIml
U b,TanbRt rUby
i aNti bbNsgtambBaa .
38- rUbiybN sMedAdl;rUby
i vtN
amYy eRkABIrbU y
i vtk g Rsuk.
39- rUbiyvtkgRsuk sMedAdl;R)ak;erol EdlCarUbiyvtpvkar
rbs;RBHraCaNacRkkm<Ca .
40- viruTvaT sMedAdl;RbtievTn_CalaylkN_GkSr nigCapv
karenAkgkaleTsTaMgLay dUcCa karxkxan bkarbdiesFmineFVs
I kIV ar
karminTUTat;sgR)ak; bmni plT; di a kar Edlpls
; Ti di l;Gk kan;[eFV]I )aRsy
-7-
elI]bkrN_GacCYjdUr)an . viruTvaTRtUvEt)aneFVIdUc nigenAeBlEdl

tRmUvedaybTb,BatiedayELknc,ab;enH .
41- sVIkar sMedAdl;karyl;RBmrbs;bharit nrUbiyaNti
edIm,IGnuvttambBaarbs;bhark . edIm,ImanRbsiTPaB sVIkarRtUvEt)an
bMeBjbgb; edaykarRbKl;nigkarCUndMNwg .
42- sRmab;ebLanicy sMedAdl;bidielxmYyEdlbgajfa
bidielxenaHminEmnCakareprkmsiTi b:uEnsRmab;eKalbMNgsRmYlebLa
nicy bTarmkvijnUvcMnYnR)ak;elI]bkrN_GacCYjdUr)an edayGkTTYl
karepr kgnamGkepr .
43- GtKahk enAkgCMBUkTI2 TI3 nigTI4 nc,ab;enH sMedA
dl;buKlEdlTTYlplBIkarTUTat;sgmUlb,TanbRt rUbiyaNti bbN
sgtambBaa enAeBlRtUv)anecjpSay .
44- GtifiCn sMedAdl;ktCn eTaHbICamanRbkbmuxrbrkI b
BMumankI bnItibuKlrYmTaMg FnaKarpg EdlmanKNnIenAFnaKarmYy .
45- GnraKmn_edIm,ITUTat;sgR)ak; sMedAdl;nItiviFI EdlPaKImin
Bak;Bnnwg]bkrN_GacCYjdUr)an cUleFVIGnraKmn_ edIm,IeFVIsVIkar bTUTat;
sgR)ak;Cs
Y PaKIEdlBak;Bn .
46- GkecjbNsgtambBaa bGkecjbN sMedAdl;buKl
EdleFVIkarsnaTUTat;sgR)ak; enAelIbNsgtambBaa .
47- GkepJI sMedAdl;buKl EdlbBanbBaaTUTat;eTAFnaKar
TTYl .
48- GkepImRbtibtikar sMedAdl;GkepJIbBaaTUTat;dMbUg Edl
epIm[manRbtibtikarTUTat;sgR)ak; . enAkgkarepr\NTan GkepIm
RbtibtikarCaGksgR)ak; . enAkgkarepr\NBn GkepImRbtibtikar
CaGkTTYlR)ak; .
49- GkTTYl sMedAdl;Gk cUlrYm EdlFnaKarrbs;xn CaGk
-8-
TTYlbBaaTUTat;cgu eRkaybgs; enAkg Rbtibtki arTUTat;sgR)ak; . enAkg

karepr\NTan GkTTYlCaGkTTYlR)ak; . enAkgkarepr\NBn Gk
TTYlCaGksgR)ak; .
50- GkTTYlR)ak; enAkg CMBkU TI5 nc,ab;enH sMedAdl;Gk cUlrYm EdlnwgRtUvTTYlR)ak; enAkg Rbtibtki arTUTat;sgR)ak; nigenAkg karepr
\NBnGkTTYlR)ak;rab;bBalpgEdr nUvGkEdlRtUvTTYlR)ak; edaykarepr
EdlmankarRbKl;sTi i ebIsni Caman . enAkg karepr\NTan GkTTYl
R)ak;CaGkTTYl . enAkgkarepr\NBn GkTTYlR)ak;CaGkepIm
Rbtibtikar .
51- GksgR)ak; sMedAdl;GkcUlrYm EdlRtUvsgR)ak;enAkg
RbtibtikarTUTat;sgR)ak; . enAkgkarepr\NTan GksgR)ak;Ca Gk
epImRbtibtikar . enAkgkarepr\NBn GksgR)ak;CaGkTTYl .
52- \NTanvi)arUbn_ sMedAdl;Bitann\NTan EdlGnuBaat
[xImUlniFi ehIykardk bkareprmUlniFienaHRtUveRbImUlb,TanbRt b
bBaaTUTat; .
53- \NRbtiTan sMedAdl;kalbriecT EdlrUbiyaNti b
bNsgtambBaa RtUvdl;kalkMNt;sg .
54- ])aRsy sMedAdl;siTibgw TarsMNgmkvij nUvkarxUc
RbeyaCn_ BIbuKlEdlBak;Bn elI]bkrN_GacCYjdUr)an .
CMBUkTI 2
mUlb,TanbRt
EpkTI 1
karecjnigTRmg;nmUlb,TanbRt
maRta 3>-9-
mUlb,TanbRt CabBaalaylkN_GkSreday\tlkxN[
eTAFnaKar nigcuHhtelxa edaybuKlCaGkecjbBaa tRmUv[FnaKar
TUTat;sgcMnYnR)ak;CakMNt;mYy [eTA btambBaabuKlmYyeTot bGk
kan; . mUlb,TanbRtRtUvEt)anTUTat;sgR)ak;enAeBlbgaj ehIyRsb
tamral;katBVkic EdlmanEcgenAkgCMBUkenH.
maRta 4>mUlb,TanbRt GacRtUv)ansresrCaGkSrExr bCaGkSrbreTs
nigRtUvEtmannieTsTaMgLaydUcxageRkam
- Bakfa mUlb,TanbRt EdlcarwkCaPasaNamYy EdleRbI
kgkarecj]bkrN_enH
- bBaaeday\tlkxN[TUTat;sgcMnYnR)ak;CakMNt;mYy
- eQaHrbs;bharitEdlCaFnaKarRtUvTUTat;sgR)ak;
- kEngEdlRtUveFVIkarTUTat;sgR)ak;
- kalbriecT nigkEng EdlmUlb,TanbRtRtUv)anecj
- htelxarbs;bhark EdlCabuKlecjbBaaelImUlb,TanbRt.
maRta 5>]bkrN_EdlxVHnieTsNamYy dUcmanEcgenAkgmaRta4 n
c,ab;enH BMumansuBlPaBCamUlb,TanbRteLIy elIkElgEtkgkrNI
TaMgLay EdlbBaak;enAkgkfaxNxageRkam
1- ebIKankarbBaak;CaBiesseT kEngEdlbBaak;enAEk,reQaH
rbs;bharit RtUv)ancat;Tku fa CakEngRtUvTUTat;sgR)ak; . ebImankEng
eRcInbBaak;enAEk,reQaHrbs;bharit mUlb,TanbRtenaHGacRtUvTUTat;sg
R)ak; enAkEngEdlbBaak;munbgs; .
2- ebIKanesckIbBaak;TaMgenH nigesckIbBaak;NamYyepSg
eToteT mUlb,TanbRtGacRtUvTUTat;sgR)ak;enAkEngEdlbharitmanTIsak;karkNalrbs;xn .
-10-
3- mUlb,TanbRt Edlmin)anbBaak;c,as;las;nUvkEngnkar
ecj RtUv)ancat;Tku faecjenAkEngEdlbBaak;enAEk,reQaHrbs;bhark .
maRta 6>mUlb,TanbRtRtUvEt)anecj[TUTat;sgR)ak;edayFnaKar
Edl)anTTYlrkSaR)ak;sRmab;Tuksgkgnambhark nigedayGnuelameTA
tamkicRBmeRBog EdlmanEcg bbBaak;[bharkmansiTieRbIR)as;R)ak;enaH
tammUlb,TanbRt . eTaHbIbdiBaaxagelIenH min)anRbtibtitamkI k
]bkrN_enHenAEtmansuBlPaBCamUlb,TanbRtdEdl .
maRta 7>mUlb,TanbRt minRtUv)aneFVIsVIkareT . esckIbBaak;BIsVIkar
enAelImUlb,TanbRt minRtUvykCa)ankareLIy .
mUlb,TanbRt minRtUveRbIR)as;CakareprmUlniFi kgdrbs;
bharit EdlmansRmab;TUTat;sgR)ak; ehIybharitnmUlb,TanbRt k
minTTYlxusRtUvcMeBaHGkkan;eLIy .
maRta 8>mUlb,TanbRtGacRtUv)anecjpSay edIm,ITUTat;sgR)ak;[eTA
- buKl
EdlmankarbBaak;edayman bedayKanBakfasgtambBaa
- buKl
EdlmankarbBaak;edayBakfa minsgtambBaa beday
BakepSgeTotEdlmannydUcKa bGkkan; .
mUlb,TanbRt EdlGacTUTat;sgR)ak;[eTAbuKl Edlman
bBaak;edayBakfa bGkkan; bBakTaMgLayEdlmannydUcKaenH RtUv
)ancat;TukCamUlb,TanbRt Edlecj[eTAGkkan; .
mUlb,TanbRt Edlmin)anbBaak;eQaHrbs;GtKahk RtUv)an
cat;Tuk CamUlb,TanbRtecj[eTAGkkan; .
maRta 9>-11-
mUlb,TanbRt GacRtUvecj[TUTat;sgR)ak;tambBaarbs;
bharkxngpal; .
mUlb,TanbRt GacRtUvecjCaRbeyaCn_[ttiyCn .
mUlb,TanbRt minGacecjedIm,ITTU at;sgR)ak; edaybharkxn
g)aneLIy elIkElgEtkarecjenH eFVIeLIgedayRKwHsanmYy eTAelI
RKwHsanmYyeTot EdlCakmsiTirbs;bharkdEdlenH .
maRta 10>bdiBaaNamYyBak;BneTAnwgkartRmUv[sgkarR)ak; EdlkMNt;
enAelImUlb,TanbRtminRtUvykCa)ankareLIy .
maRta 11>mUlb,TanbRt GacRtUv)anTUTat;sgR)ak; enATIsak;karrbs;
ttiybuKl enAkEngEdlbharitmanTIsak;kar benAkEngepSgmYyeTot
[EtCanickalttiybuKlenHCaFnaKar .
maRta 12>kgkrNIEdlcMnYnR)ak;RtUvTUTat;sg edaymUlb,TanbRt RtUv
)ansresrCatYGkSrpg nigCatYelxpg ehIykalebImanlMeGogKa
cMnYnR)ak;CatYGkSrCacMnYn EdlRtUvykCa)ankar .
kgkrNIEdlcMnYnR)ak;RtUvTUTat;sg edaymUlb,TanbRt RtUv
)ansresreRcIndgCatYGkSr bCatYelx ehIykalebImancMnYnlMeGogKa
cMnYnR)ak;EdltUcCag CacMnYnRtUvykCa)ankar .
maRta 13>ral;katBVkci nbuKl
dTeTot Edl)ancuHhtelxaelIml
U b,TanbRt enAEtmantmdEdl eTaHbImUlb,TanbRtenaH manhtelxa
rbs;buKlGsmtPaB bhtelxaEkgbnM bhtelxarbs;buKltamkar
RbDit bhtelxaEdltamehtuplepSgeTot minGaceFVI[buKlEdl
)ancuHhtelxa b)ancuHhtelxaCMnYsmankarTTYlxusRtUv .
-12-
maRta 14>buKlNaEdl)ancuHhtelxa enAelImUlb,TanbRt kgnam

buKlmYyeTot EdlxnKansiTitMNag[Tal;EtesaH RtUvmankarBak;Bn
pal;CaPaKImYy elImUlb,TanbRtenaH ehIyebIxn)anTUTat;sgR)ak;
RtUvmansiTidUcKanwgbuKl Edlxn)anTTYlra:b;rgCYs[ . viFandUcKa
enH kGnuvteTAelIGaNtiCnEdl)anGnuvthYssiTirbs;xnpgEdr .
maRta 15>bharkTTYlxusRtUvkgkarTUTat;sgR)ak; . bdiBaaNamYy
EdleFVI[bharkrYcputBIkarTTYlxusRtUvenH minRtUvykCa)ankareLIy .
maRta 16>ebImUlb,TanbRt manlkNmineBjeljenAeBlecjpSay
ehIyRtUv)aneFV[
I eBjlkNtamEbbepSg xusBIkarRBmeRBogEdlBak;Bn
karmineKarBtamkarRBmeRBogenH minGacykCamUlehtubwgGkkan;)an
eLIy elIkElgEtGkkan;enH )anTTYlmUlb,TanbRtmkedayTucrit b
mankMhusedaykareFVsRbEhsFn;Fr .
EpkTI 2
bidielxmUlb,TanbRt
maRta 17>mUlb,TanbRt Edlecj[TUTat;sgR)ak; cMeBaHbuKlNamYy
c,as;las; edayman bedayKanBakfa sgtambBaa GacRtUvepr)an
edaybidielx .
mUlb,TanbRt Edlecj[TUTat;sgR)ak; cMeBaHbuKlNa
mYyc,as;las; edaymanBakfa minsgtambBaa bBakEdlmanny
dUcKa GacRtUv)aneprRsbtamTRmg; nigmansuBlPaBCakareprFmtaEt
b:ueNaH .
-13-
mUlb,TanbRt GacRtUv)aneFVbI di ei lx eTaHbI[eTAbharkkI b

[eTAPaKINamYyepSgeTotnmUlb,TanbRtenaHkI . buKl
TaMgenH Gac
eFVbI di ei lxmUlb,TanbRtenaH bneTot)an .
maRta 18>bidielx RtUvEt)aneFIVeLIgeday\tlkxN . lkxNNa
mYy EdlRtUv)andak;ecjCakmvt cMeBaHkareFVIbidielxmUlb,TanbRt
minRtUvykCa)ankareLIy .
bidielxelImYyEpk ncMnYnR)ak;kgmUlb,TanbRt RtUvcat;
TukCaemaX .
bidielxEdleFVIeLIgedaybharit RtUvcat;TukCaemaX .
bidielxEdleFVI[Gkkan; mantmesInwgbidielxcMh .
bidei lxEdleFV[
I bharit mantmRtwmEtCabgan;dTTYlR)ak;
elIkElgEtkgkrNIEdlbharitmanRKwHsaneRcInkEng ehIybidielxenH
RtUv)aneFVCI aRbeyaCn_[RKwHsanmYyeTot eRkABIRKwHsanEdlmUlb,TanbRt
enaH RtUv)anecj .
maRta 19>bidei lxRtUvEt)aneFVCI alaylkNG_ kSr enAelIxg mUlb,TanbRt benAelIRkdasbiTPab;bEnmehAfa GnubRt nigRtUvEt)ancuHhtelxa
edayGkeFVIbidielx .
bidielxGacminbBaak;BIGtKahk bGacmanEthtelxarbs;
GkeFVIbidielxb:ueNaH ehAfa bidielxcMh .
maRta 20>bidielxeprsiTiTaMgGs; nmUlb,TanbRt[eTAGkkan; .
ebICabidielxcMh Gkkan;Gac
- bMeBjkEngcMh bedayeQaHrbs;xnpal; bedayeQaH
rbs;buKldTeTot
-14-
- eFVIbidielxbnmUlb,TanbRtCacMh b[buKldTeTot
- eprmUlb,TanbRt[eTAttiybuKl
edaymincaM)ac;beM Bj
kEngcMh nigmincaM)ac;eFVIbidielx .
maRta 21>ebIKanbdiBaapyeT GkeFVIbidielxRtUvTTYlxusRtUvelIkarTUTat;
sgR)ak; .
GkeFVIbidielxGachamXat; kareFVIbidielxNamYybneTot
ehIykg krNIenH buKl
Edl)anhamXat; minTTYlxusRtUvTUTat;sgR)ak;
eTAbuKlTaMgLayNaEdlmUlb,TanbRtRtUv)aneFVIbidielxbneLIy .
maRta 22>mas;mUlb,TanbRt EdlGaceFVIbidielx)an CaGkkan;Rsb
c,ab; ebIbuKlenH)ankayCamas;mUlb,TanbRt tamrykareFVIbidielx
Cabnbnab; eTaHbIbidielxcugeRkay CabidielxcMhkeday . kg
krNIenH bidielxEdllubecal minRtUvykCa)ankareLIy . kalebI
bidielxcMh RtUv)anbnedaybidielxmYyeTot buKlEdlcuHhtelxaeFVI
bidielxcugeRkayenH RtUvcat;Tukfa )anTTYlmUlb,TanbRt tamry
bidielxcMh .
maRta 23>bidielxenAelImUlb,TanbRt Edlecj[eTAGkkan; naM[Gk
eFVbI idielxenaH mankarTTYlxusRtUv RsbtambTb,Batis
BI s
I iTieFV]I )aRsy
b:Eu nbdi ei lxenH minERbkay]bkrN_enaH eTACamUlb,TanbRt sgtam
bBaa eLIy .
maRta 24>enAeBlEdlbuKlNamYy )an)at;bg;siTikan;kab;mUlb,TanbRt edaymUlehtuNakeday eTaHbICamUlb,TanbRtecj[eTAGkkan;
kI bGaceFVIbidielx)ankI EdlGkkan;mansiTiCamas; dUcmanEcgenAkg
-15-
maRta 22 nc,ab;enH Gkkan;EdlTTYl)anmUlb,TanbRtmkCakmsiTi

minRtUv)anbgM[e)aHbg;ecalmUlb,TanbRteLIy elIkElgEtmUlb,TanbRtenaH )anmkedayTucrit bedaymankMhusBIkareFVsRbEhsFn;Fr .
maRta 25>buKlTaMgLay EdlbwgGMBImUlb,TanbRt minGacbwgGkkan;
edaysMGagelITMnak;TMngpal;xn CamYybhark bCamYyGkkan;mun)an
eLIy elIkElgEtkgkarTTYlmUlb,TanbRt Gkkan;)andwgc,as;fa nwg
naM[xUcRbeyaCn_dl;kUnbMNul .
kfaxNxagelInmaRtaenH minGnuvtceM BaHmUlb,TanbRt Edl
ecjedIm,ITTU at;sgR)ak;eTAbuKl
NamYyc,as;las; Edlkg enaHmanBak
fa minsgtambBaa bRbeyaKNamYyEdlmannydUcKa .
maRta 26>kalebIbidielxmanBakfa tmsRmab;TarbMNul bsRmab;ebLa
nicy btamkarRbKl;siTi bRbeyaKNamYyepSgeTot EdlbBaak;BIkar
RbKl;siTisamBa Gkkan;GacGnuvtsiTiTaMgGs; nmUlb,TanbRtenaH
b:uEnGkkan;enHGaceFVIbidielxbn kgnamCaPak;garEtb:ueNaH .
kg krNIenH PaKIBak;Bn TaMgLayGacbgw Gkkan; ehIyGkkan;
enH kGacbwgGkeFVIbidielxpgEdr .
karRbKl;siTiEdlmanenAkgbidielx minGacrlt;)aneday
ehtupl nmrNPaBrbs;PaKI Edl)anpl;karRbKl;siTi bedayehtu
plEdlbuKlenH )ankayCaGsmtPaBnItanukUleLIy .
maRta 27>bidielxEdleFVIeLIgeRkayBIviruTvaT beRkayBIkareFVRI btievTn_Edl
smmUlKa beRkayBIputryeBlkMNt;bgaj[TUTat;sgR)ak;Gacnwg
- Gnuvt)antamkareprFmtaEtb:ueNaH
-16-
- minGnuvtkgkarpl;siTi eRkammaRta 22 maRta 24 nig

maRta 25 nc,ab;enHeLIy .
ebIKanPstagpyeT bidielxEdlKancuHkalbriecT RtUvcat;Tuk
fa )aneFVIenAelImUlb,TanbRt muneBleFVIviruTvaT bRbtievTn_EdlsmmUlKa
benAmunputryeBlkMNt; eyagtamkfaxNxagelInmaRtaenH .
EpkTI 3
rUbiybdePaKmUlb,TanbRt
maRta 28>karTUTat;sgmUlb,TanbRt GacRtUv)anFanaedayrUbiybdiePaK enAelIcMnYnR)ak;TaMgGs; bmYyEpknmUlb,TanbRt .
karFanaenHGacRtUv)anpl; edayttiybuKleRkABIbharit b
edaybuKlNamYyEdl)ancuHhtelxaelImUlb,TanbRt .
maRta 29>rUbiybdiePaKGacRtUv)aneFIVeLIg enAelImUlb,TanbRtpal; b
enAelIGnubRt .
rUbiybdiePaKRtUv)anbBaak;edayBakfa yl;RBmeFVIrUbiybdiePaK bedayrUbmnNamYyepSgeTotEdlmannydUcKa nigRtUvEtcuHhtelxaedayGkpl;rUbiybdiePaKehAfa rUbiybdiePaKI .
htelxaeFIVrbU iybdiePaK RtUv)ancuHenAxagmuxmUlb,TanbRt.
rUbiybdiePaK RtUvEtbBaak;[)anc,as;las;nUvbuKlNamYy
EdlCaGkTTYlplBIrUbiybdiePaKenaH . ebIKanesckIbBaak;enHeT
rUbiybdiePaKRtUv)ancat;Tukfa eFVI[bhark .
maRta 30>rUbiybdiePaKImankatBVkic dUcbuKlEdl)anTTYlkarFanaEdr .
-17-
karcuHhtelxaFanaenAEtmantm eTaHbIkatBVkicEdl)anFa
naenaH minRtUv)anGnuvttam edaysarehtuplepSg eRkABIvikarxag
TRmg;keday .
enAeBl)anTUTat;sgmUlb,TanbRt rUbiybdiePaKImansiTiTaMg
Lay EdlepImecjBImUlb,TanbRtenaH Tl;nwgbuKlEdlRtUv)anFana nig
buKlEdlBak;BnCamYybuKlEdlRtUv)anFanaenH enAelImUlb,TanbRt .
EpkTI 4
karbgajmUlb,TanbRtnigkarTUTat;sgR)ak;
maRta 31>mUlb,TanbRt RtUv)anTUTat;sgR)ak;enAeBlbgaj . bdiBaa
NamYyEdlmannypyBIenH minRtUvykCa)ankareLIy .
mUlb,TanbRt Edl)anbgaj[TUTat;sgR)ak; enAmunkal
briecTEdlCafecjpSay RtUvEtTUTat;sgR)ak;enAfbgaj .
maRta 32>mUlb,TanbRt RtUvEt)anbgajedIm,I[TUTat;sgR)ak; kgry
eBlR)aMmYy6Ex KitBIfecjpSay .
maRta 33>enAeBlEdlmUlb,TanbRt RtUv)anecjenAkEngmYy ehIy
nwgRtUvTUTat;sgR)ak;enAkEngmYyepSgeTot EdlmanRbtiTinxusKafecj
pSay nwgRtUv)anRbkan;yktamf EdlRtUvKakgRbtiTinRbcaMkEng Edl
RtUvTUTat;sgR)ak; .
maRta 34>-
-18-
karbgajmUlb,TanbRt enA btamrysPapat;Tat; btamry

RbBne GLicRtUnki dUcEdlmanEcg enAkg kicR BmeRBog bbTbBaa Edl
ecjedayFnaKarCatinkm<C a Cakarbgaj[TUTat;sgR)ak;Capv kar .
maRta 35>karTUTat;sgmUlb,TanbRtGacRtUvCMTas; edaymineFVI[xUcxat
dl;siTiGkkan; .
ebIkarTUTat;sgmUlb,TanbRt minRtUv)anCMTas;eT bharit
enAEtGacTUTat;sgR)ak;)an eTaHbIputryeBlkMNt;RtUvbgajkeday .
maRta 36>mrNPaB bGsmtPaBrbs;bhark EdlekIteLIgeRkaykar
ecjpSaymUlb,TanbRt BMumanplb:HBal;dl;mUlb,TanbRteLIy .
maRta 37>bharitEdlTUTat;sgmUlb,TanbRt GactRmUv[RbKl;mUlb,TanbRtenaH[xn eRkayBImanbBaak;karTTYlR)ak;BIGkkan; .
ebImni mancMnnY R)ak;RKb;RKan; kg KNnIrbs;bharkeT Gkkan;
GacminbdiesFkarTUTat;sgcMnYnR)ak;mYyEpk nmUlb,TanbRt .
kgkrNI mankarTUTat;sgR)ak;mYyEpkncMnYnR)ak; bharit
GacTamTar[bBaak;karsgR)ak;mYyEpkenaH enAelImUlb,TanbRt nig
TamTarbgan;dTTYlR)ak;pgEdr .
maRta 38>bharitEdlTUTat;sg mUlb,TanbRtmanbidielx RtUvTTYl
xusRtUvepgpat;RbRktIPaB nlMdab;bidielx b:uEnminepgpat;htelxa
GkeFVIbidielxeLIy .
maRta 39>-19-
rUbiybNEdlRtUveRbIR)as; sRmab;TUTat;sgR)ak;elImUlb,TanbRt RtUv)ankMNt;dUcxageRkam

1- mUlb,TanbRt RtUv)ancat;Tku CakarGnuBaat[bharit edIm,I
TUTat;sgCarUbiybNnKNnI EdlmUlb,TanbRtRtUv)anecj .
2- enAeBlEdlmUlb,TanbRt RtUv)anecjCarUbiybNepSg
BIrUbiybNnKNnI cMnYnR)ak;GacRtUvsgCarUbiybNnKNnI eday
bharit tamtmnrUbiybNenaH enAfTUTat;sgR)ak; .
3- ebImUlb,TanbRt RtUv)anecjCarUbiybNepSgBIrUbiybN
nkEngRtUvTUTat;sgR)ak; ehIymUlb,TanbRtenH minRtUv)anTUTat;sg
R)ak;enAeBlbgaj Gkkan;GactRmUv[PaKIBak;Bn eFVIkarTUTat;sgcMnYn
R)ak;nmUlb,TanbRt CarUby
i bN nkEngTUTat;sgR)ak; tamGRtabr R)ak;
enAfbgaj benAfTUTat;sgR)ak; tamkareRCIserIsrbs;xn .
4- kareRbIR)as;kEngTUTat;sgR)ak; RtUvGnuvtkgkarkMNt;tm
rUbiybN . b:uEnbhark GackMNt;fa cMnYnR)ak;TUTat;sg RtUvKNna
eTAtamGRtabrR)ak; EdlbBaak;enAelImUlb,TanbRt .
5- eTaHbImankfaxNTI 3 nmaRtaenHkeday mUlb,TanbRt
ecj[TUTat;sgCarUbiybN EdlRtUv)aneRbIenARBHraCaNacRkkm<Ca b
ebIenAelImUlb,TanbRt bhark)anbBaak;fa karTUTat;sgR)ak;RtUvEteFVI
CarUbiybNmYyc,as;las; Gkkan;GacTamTar BIPaKIBak;BnNamYy[
TUTat;sg CarUbiybN Edl)anbBaak;enaH .
6- ebIcMnYnR)ak;nmUlb,TanbRt RtUv)anbBaak;CarUbiybN
EdlmannamcarwkdUcKa b:uEnmantmxusKa rvagRbeTsTUTat;sgR)ak;
nigRbeTsecjpSay bRbeTsNamYyepSgeTot elIkElgEtmankarbBaak;
epSgBIenH enAeBlEdlrUbiybN Edl)anbBaak;minEmnCarUbiybNn
KNnI EdlRtUvTUTat;sgR)ak; karTUTat;sgmUlb,TanbRt RtUveFVIeLIgCa
rUbiybNnRbeTsTUTat;sgR)ak; . enAeBlNaEdlrUbiybNnRbeTs
-20-
TUTat;sgR)ak; BMumannamcarwkdUcKa karTUTat;sgR)ak;nmUlb,TanbRt

RtUv)aneFVIeLIgCarUbiybN EdlRtUv)aneRbIy:agTUlMTUlayenAkEngTUTat;
sgR)ak; .
EpkTI 5
mUlb,TanbRtqUtbnat;nigmUlb,TanbRtTUTat;sgcUlkgKNnI
maRta 40>bhark bGkkan;GacqUtbnat;elImUlb,TanbRt .
karqUtbnat; manrUbPaBCabnat;RsbKaBIr EdlKUsenAxag
muxmUlb,TanbRt . bnat;qUtGacmanBIrEbb KWbnat;qUtTUeTA bbnat;
qUtBiess .
bnat;qUtTUeTA manbnat;KUsEtBIr benAcenaHbnat;TaMgBIrman
Bakfa FnaKar bBakepSgeTotEdlmannydUcKa . bnat;qUtBiess
maneQaHrbs;FnaKarenAcenaHbnat;TaMgBIr .
bnat;qUtTUeTA GacRtUvbr)aneTACabnat;qUtBiess b:uEnbnat;
qUtBiess minGacRtUvbrmkCabnat;qUtTUeTAvij)aneLIuy .
karekaslubEkbnat;qUt beQaHrbs;FnaKar minGaceFIV)an
eLIy .
maRta 41>cMeBaHmUlb,TanbRtmanbnat;qUtTUeTA bharitGacTUTat;sg[
eTAFnaKar beTAGtifiCnrbs;xnEtb:ueNaH .
cMeBaHmUlb,TanbRtmanbnat;qUtBiess bharitGacTUTat;sg
[eTAFnaKarEdlmaneQaHenAelImUlb,TanbRtEtb:ueNaH bebIFnaKarenH
Cabharit GacTUTat;sg[eTAGtifiCnrbs;xnEtb:ueNaHEdr . b:uEn
FnaKarEdlmaneQaHelImUlb,TanbRt GaceFVIebLanicytamryFnaKar
mYyeTot .
-21-
FnaKarGacTTYlykmUlb,TanbRtqUtbnat;BIGtifCnrbs;xn
bBIFnaKarmYyepSgeTotEtb:ueNaH . FnaKarminGaceFVIebLanicymUlb,TanbRtqUtbnat; CaRbeyaCn_[buKldTeTot eRkABIbKu l
Edl)aneBal
xagelIenHeLIy .
cMeBaHmUlb,TanbRtEdlmanbnat;qUtBiesseRcIn bharitmin
GacTUTat;sgR)ak;)aneLIy elIkElgEtkgkrNIEdlmanbnat;qUtEtBIr
kEng Edlkg enaH bnat;qUtmYykEngsRmab;eFVeI bLanicy tamrysPa
pat;Tat; .
bharit bFnaKar Edlxkxanmin)aneKarBtambTb,BatiTaMg
LaynmaRtaenH RtUvTTYlxusRtUvelIkarxUcxat EdlekIteLIgrhUtdl;
esInwgcMnYnR)ak;nmUlb,TanbRt .
maRta 42>bhark bGkkan;mUlb,TanbRtGachamXat;karTUTat;sgCa
sac;R)ak; edaysresrGkSrkat;TTwgpmuxmUlb,TanbRtenaHfa sRmab;
TUTat;sgcUlkgKNnI btamsMnYnesckIEdlmannydUcKa .
kg krNIenH mUlb,TanbRtGacRtUv)anTUTat;edaybharit tam
rykicbBaikaKNenyEtb:ueNaH edaykarcuH\NTancUlKNnI karepr
R)ak;BIKNnImYycUleTAKNnImYyeTot karkat;kg bkarTUTat;tamry
sPapat;Tat; . karTUTat;tamkicbBaikaKNeny mannyfa Cakar
TUTat;sgR)ak; .
karekaslubEkNamYycMeBaHBakfa sRmab;TUTat;sgcUlkg
KNnI minGaceFIV)aneLIy.
bharitEdlxkxanmin)aneKarBtambTb,BatiTaMgLaynmaRta
enH RtUvTTYlxusRtUvelIkarxUcxatEdlekIteLIgrhUtdl;esInwgcMnYnR)ak;
nmUlb,TanbRt .
-22-
EpkTI 6
])asycMeBaHkarminTUTat;sgR)ak;
maRta 43>Gkkan;GacGnuvtsiTieFVI])aRsyTl;nwgGkeFVIbidielx bhark
nigPaKICab;Bak;Bn dTeTot ebImUlb,TanbRtEdlRtUv)anbgajenAkg ry
eBlkMNt;RtwmRtUvenaH minRtUv)anTUTat;sgR)ak; ehIyebImanPstag
y:agehacNas;mYy EdlbgajBIkarbdiesFminTUTat;sgR)ak;dUcxag
eRkam
- viruTvaT b]bkrN_pvkarepSgNamYy b
- RbtievTn_mancuHkalbriecTnigbBaak;edaybharit GMBIfbgaj
[TUTat;sgR)ak; b
- RbtievTn_mancuHkalbriecT eFVIeLIgedaysPapat;Tat; Edl
bBaak;famUlb,TanbRt RtUv)anRbKl;enAkgryeBlkMNt;
nigminRtUv)anTUTat;sgR)ak; .
maRta 44>viruTvaTRtUvEt)ancuHhtelxabBaak; yfaPaBnksareday
mnI EdlTTYlsiTiRsbc,ab; . drabNaBMuTan;manmnI Edl)anTTYlsiTi
Rsbc,ab;enaHeT mnIenaH RtUvEt)anEtgtaMgedayFnaKarCatinkm<Ca .
viruTvaTRtUvmanc,ab;ftcmg bc,ab;edmnmUlb,TanbRtPab;CamYy ehIyRtUv
bBaak;c,as;las; GMBbI Ku l
EdleFVvI ri Tu v aT kEngnigkalbriecT mUlehtu
nvirTu v aT sMNmU BrEdlelIkeLIg nigcemy
I Edlplm; kvijebIman bGBM I
karEdlrkmineXIjbharit . virTu v aTRtUv)aneFIeV LIgenAkEngnkarbdiesF
minTUTat;sg bminTTYlyk benAkEngepSgeTotkgRBHraCaNacRk
km<Ca EdlsitkgcmayminelIsdb;10KILEm:Rt BIkEngnkarbgaj
nignkarbdiesFminTUTat;sgR)ak; bminTTYlyk .
-23-
viruTvaTbRbtievTn_EdlsmmUlKa RtUvEt)aneFVIeLIgenAmuneBl
putkMNt;bgaj[TUTat;sgR)ak; .
ebImUlb,TanbRtRtUv)anbgaj[TUTat;sg enAfcugeRkayn
ryeBlkMNt; viruTvaT bRbtievTn_EdlsmmUlKa GacRtUv)aneFVIeLIgenA
feFVIkarTImYybnab;BIryeBlputkMNt; .
eRkayputryeBlkMNt;sRmab;eFVIviruTvaT sIBIkarminTUTat;sg
R)ak; Gkkan;RtUv)at;bg;siTieFVI])aRsy Tl;nwgPaKIBak;BnelImUlb,Tan
bRtenaH b:uEnGacbwgbharkeRkambTb,BatiedayELksIBIkicsna ehIy
sMNgEdl)anmkvij RtUvkat;sgelIkarxUcxat EdlbgeLIgedayGk
kan;cMeBaHbhark edaysarEtxkxanmin)aneKarBryeBlkMNt; .
maRta 45>Gkkan; RtUvCUndNwgBIkarminTUTat;sgR)ak;eTAGkeFVIbidielx
rbs;xn nigeTAbharkenAkgryeBlbYn04feFVIkar bnab;BIfEdl
viruTvaT bRbtievTn_EdlsmmUlKaRtUv)aneFVI benAfbgaj[TUTat;sgR)ak;
kgkrNIEdlmanbdiBaafa bgVilvijedayKanesahuy bbgVilvijeday
KanviruTvaT besckIepSgNamYyEdlmannydUcKa . enAkgryeBl
BIr 02 feFVkI arbnab;BI f)anTTYlesckCI nU dNgw GkeFVbI idielxnImy
Y
RtUvCUndNwgdl;GkeFVIbidielxrbs;xn GMBIesckICUndMNwgEdl)anTTYl
edaybBaak;BIeQaHnigGasydanrbs;GkeFVIbidielx Edl)anpl;esckI
CUndNwgmunCalMdab;lMedayrhUtdl;bhark)anTTYl . ryeBl
kMNt;EdlbBaak;xagelI RtUvKitBIfTTYl)anesckICUndMNwgmun .
edayGnuelamtamkfaxNxagelInmaRtaenH enAeBlEdl
esckICUndNwgRtUv)anpl;eTA buKlEdl)ancuHhtelxaelImUlb,TanbRt esckICUndMNwgdUcKaenH kRtUv)anpl;eTArUbiybdiePaKI enAkgry
eBlkMNt;dUcKa .
-24-
kalebIGk eFVbI di ei lx min)anbBaak;GBM GI asydanrbs;xn bk

)anbBaak;edayminc,as; esckICUndMNwgEdl)anpl;eTAGkeFVIbidielx
munbnab; KWCakarRKb;RKan; .
buKl EdlRtUvpl;esckICUndMNwg GaceFVIesckICUndMNwgtam
rUbPaBNamYyk)an eTaHbIRtwmEtbBanmUlb,TanbRtRtLb;vijkeday .
buKl EdlRtUvpl;esckICUndNwgRtUvbgajPstagfa xn)an
CUndNwgkgryeBlkMNt; . ryeBlkMNt;enH nwgRtUvcat;Tukfa)an
eKarBtam ebIlixitCUndMNwgRtUv)anepJItamRbsNIy_kgryeBlkMNt;enaH.
buKl
Edlmin)anple; sckCI nU dMNgw kg ryeBlkMNt;xag
elIenH RtUvTTYlxusRtUvcMeBaHkarxUcxat EdlekIteLIgedaykareFVsRbEhs
rbs;xn ebIman b:uEncMnYnR)ak;EdlTTYlxusRtUv minRtUvelIsBIcMnYnR)ak;
nmUlb,TanbRteLIy .
maRta 46>tamrybdiBaafa bgVl
i vijedayKanesahuy bbgVl
i vijeday
KanvirTu v aT besckeI pSgNamYyEdlmannydUcKa ehIyEdl)ansresr
nigmancuHhtelxaenAelImUlb,TanbRt bhark GkeFVIbidielx brUbiybdiePaKI Gac[Gkkan;mincaM)ac;eFVIviruTvaTbRbtievTn_EdlsmmUlKa edIm,I
GnuvtsiTieFVI])aRsy .
bdiBaaenH minGac[Gkkan;rYcputBIkarbgajmUlb,TanbRt
enAkgryeBlkMNt; bBIkartRmUv[manral;esckICUndMNwg)aneLIy .
esahuy EdlekIteLIgBIkarbgajPstag nkarmineKarBtamryeBl
kMNt; edayGkkan; Cabnkrbs;buKlEdl)anbwgTl;nwgGkkan;enaH .
ebIbdiBaaRtUv)ansresredaybhark bdiBaaenHRtUvGnuvt)an
eTAelIbKu lTaMgLay Edl)ancuHhtelxaelImUlb,TanbRt . ebIbdiBaa
RtUv)ansresredayGkeFVIbidielxbrUbiybdiePaKI bdiBaaenaHRtUvGnuvt)an
cMeBaHEtGkeFVIbidielx brUbiybdiePaKIenaHEtb:ueNaH . eTaHbICabdiBaa
-25-
sresredaybharkkI ebIGkkan;eFVIviruTvaTbRbtievTn_EdlsmmUlKa Gk
kan;enHRtUvTTYlr:ab;rgelIesahuyTaMgGs;EdlekItman . kalebIbdiBaa
ekItecjGMBGI k eFVbI di ei lx brbU y
i bdiePaKI esahy
u nvirTu v aT bnRbtievTn_
EdlsmmUlKa ebImanGacRtUv)anTarBIbuKlTaMgLay Edl)ancuHhtelxa
elImUlb,TanbRt .
maRta 47>ral;buKlEdlCab;Bak;BneTAnwgmUlb,TanbRt mankatBVkic
TTYlxusRtUvrYmKacMeBaHmux Gkkan; .
Gkkan;mansiTibwgTl;nwgbuKl EdlCab;Bak;BneTAnwgmUlb,TanbRt CaktCn brmY Ka edayminKitdl;ldM ab;leM day EdlbuKl
TaMgenHcUlmkCab;Bak;BneLIy .
siTidUcKaenHRtUvmancMeBaHbuKlNa Edl)ancuHhtelxaelI
mUlb,TanbRt ehIy)anTTYlykmUlb,TanbRtrkSaTuk nig)anTUTat;
sgR)ak; .
ral;karbwgTl;nwgPaKImYynPaKIBak;BnTaMgLay minraraMgkar
bwgTl;nwgbuKldTeToteLIy eTaHbIbuKldTTaMgenHTak;Tinbnbnab;
BIbuKlEdl)anTTYlrgkarbwgTImYyenaHkeday .
maRta 48>Gkkan;GacTamTarBIPaKI Edlxn )anGnuvtsiTieFV]I )aRsy nUv
cMnYnR)ak;EdlminRtUv)anTUTat;sgkar)ak; EdlKNnatamGRtakMNt;
edayFnaKarCatinkm<Ca KitBIfbgaj[TUTat;sgR)ak; nigesahuyTaMg
LayEdlekItman .
maRta 49>PaKIEdlTTYlnigTUTat;sgmUlb,TanbRt GacTamTarmkvij
BIPaKITaMgLay EdlBak;BnCamYynUvcMnYnR)ak;TaMgRsugEdl)anTUTat;sg
karR)ak;elIcMnYnR)ak;Edl)anTUTat;sg KNnatamGRtakMNt;edayFna-26-
KarCatinkm<C a KitBIfEdl)anTUTat;sgR)ak; nigesahy

u TaMgLayEdl
ekItman .
maRta 50>PaKIBak;BnnImYyEdlTTYlrgkarGnuvtsiTieFVI])aRsy Gac
TamTaredaybrnwgkarTUTat;sgR)ak; [RbKl;mkxnnUvmUlb,TanbRt rYm
CamYyviruTvaTbRbtievTn_EdlsmmUlKa nigbgan;dTTYlR)ak; .
GkeFVIbidielxnImYy Edl)anTTYlnig)anTUTat;sgmUlb,TanbRt Gaclubecalbidielxrbs;xn nigrbs;GkeFVIbidielxbnbnab;
tameRkay)an .
maRta 51>-
kalebIkarbgajmUlb,TanbRt[TUTat;sgR)ak; bviruTvaT b
RbtievTn_EdlsmmUlKa kg ryeBlkMNt; RtUv)anraMgsHeday]bsKmni
Gacqgput)an EdlCakrNIRbFanski ryeBlkMNt;enHRtUv)anBnar .
Gkkan;mankatBVkci p l
e; sckICnU dMNgw Pam GMBkI rNIRbFanski
[eTAGkeFVbI di ei lxrbs;xn nigRtUveFVRI btievTn_GBM eI sckCI UndMNgw enH eday
cuHkalbriecT nightelxaelIml
U b,TanbRt belIGnubR t . cMeBaHRbkar
epSgeTot RtUvGnuvteTAtammaRta 45 nc,ab;enH .
enAeBlEdlkrNIRbFanski)ancb; Gkkan;RtUvbgajmUlb,TanbRtPam edIm,I[TUTat;sgR)ak; ehIyebIcaM)ac;RtUveFVIvri Tu v aT beFVRI btievTn_EdlsmmUlKa .
ebIkrNIRbFanskei nAEtbnekItmanelIsBIdb;R)aM15f eRkay
kalbriecTEdlGkkan;)anCUndMNgw GMBIkrNIRbFanskie naH eTAGkeFVbI di ielxrbs;xn eTaHbIenAmunputryeBlkMNt;sRmab;bgaj[TUTat;sgR)ak;
kI ])aRsyGacRtUv)aneFVIeLIg ehIyTaMgkarbgaj[TUTat;sgR)ak; TaMg
kareFVIviruTvaT bRbtievTn_EdlsmmUlKa mincaM)ac;eFVIeLIy .
-27-
ral;GMeBIEdlmanlkNpal;xnsuTsaFrbs;Gkkan; brbs;
buKlEdl)anTTYlsiTikgkarbgajmUlb,TanbRtbeFVIviruTvaT beFVIRbtievTn_EdlsmmUlKa minRtUv)ancat;TukCakrNIRbFanskieLIy .
karTTYlxusRtUvelImUlb,TanbRt EdlRtUv)an)at;bg;bbMpaj
GacGnuvt)anluHNaEtmankarFanaBIPaKIGnuvtmUlb,TanbRt Edlsg
karxUcxateTAPaKIBak;Bn cMeBaHkarTamTarrbs;buKlepSgeTot elImUlb,TanbRttamesckIseRmcrbs;tulakar ebIGkkan;)anTTYlmUlb,TanbRtmkedaysucrit .
EpkTI 7
ebLanicymUlb,TanbRt
maRta 52>ebLanicy
mUlb,TanbRt RtUv)anRbRBwte TAdUcxageRkamenH
1- kalebImUlb,TanbRt RtUv)anRbKl;[FnaKar edIm,IcuH
\NTanKNnIGtifCi ntamcMnnY R)ak; nmUlb,TanbRt FnaKarTTYl)ansiTI
nigGMNacTaMgGs;rbs;Gk kan;ml
U b,TanbRt .
2- elIkElgEtmankarRBmeRBogepSgBIenH karcuH\NTan
KNnIenHmanlkNbeNaHGasn ehIyFnaKarGaccuH\NBnKNnI b
m:ageTotGaceFV]I )aRsyTamTarBIGtifiCnvij)an ebImUlb,TanbRtminRtUv
)anTUTat;sgR)ak;eTenaH . elIkElgEt)anRBmeRBogepSgBIenH kardk
R)ak;ecjBIKNnI\NTanbeNaHGasnGaceFV)I an luHNaEtmankarseRmc
rbs;FnaKarEtb:ueNaH nigCakmvtnkarsgvij bkareFVI])aRsyBIGtifiCn ebImUlb,TanbRtminRtUv)anTUTat;sgR)ak;eT .
3- edayminKitdl;karxVHxat karxusqg karritt,itbkarkRmit
bTRmg; bRbePTnbidielxrbs;GtifiCn siTirbs;FnaKareRkamkfaxN
TI1nmaRtaenH KWCamas;nmUlb,TanbRtEdlGaceFVIbidielx)anGnuelam
tammaRta 22 eTaHbImanmaRta 26 nc,ab;enH EdlGnuvtepSgBIenH
-28-
keday .
maRta 53>enAeBlEdlmUlb,TanbRt RtUv)anbgaj[FnaKareFVIebLanicy mUlb,TanbRtenaH CabBaaTUTat;EdlRKb;RKgedayCMBUkTI 5 sIBI
RbtibtikarTUTat;sgR)ak;nc,ab;enH . kgkrNIminmansgtPaBGMBImUlb,TanbRtrvagbTb,BatinCMBUkenH nigCMBUkTI 5 nc,ab;enH bTb,Batin
CMBUkenHRtUvykCa)ankar .
EpkTI 8
karEkelImUlb,TanbRt
maRta 54>kg krNImankarEkelIxmw sarnmUlb,TanbRt ral;PaKIEdl)an
cuHhtelxabnab;BkI arEkenaH RtUvCab;Bak;Bn e TAtamxmw sarEdl)anEk .
PaKITaMgLayEdl)ancuHhtelxamunkarEk RtUvCab;Bak;BneTAtamxwmsar
edImnmUlb,TanbRt .
EpkTI 9
ryeBlkMNt;nkareFVI])aRsy
maRta 55>ral;kareFV]I )aRsy edayGkkan;Tl;ngw GkeFVbI di ei lxTaMgLay
bhark nigPaKIBak;Bn d TeTot manryeBlR)aMmy
Y 06Ex bnab;BIkar
putkMNt;ryeBlbgaj[TUTat;sgR)ak; .
ral;kareFVI])aRsyedayPaKIBak;Bn d TeTot GMBkI arTUTat;sg
mUlb,TanbRt Tl;nwgPaKICab;Bak;BnpgKa manryeBlR)aMmYy06Ex
KitBIfEdlPaKIBak;Bn )anTUTat;sgmUlb,TanbRt b)anTTYlrgkarbgw .
maRta 56>-
-29-
karkMNt;ryeBleFV]I )aRsydUcmanEcgkg maRta 55 nc,ab;

enH mansuBlPaBeTAelIEtbuKl
NamYy EdlryeBlenaHRtUv)ankMNt;
b:ueNaH .
EpkTI 10
karKNnaryeBlkMNt;
maRta 57>karbgajmUlb,TanbRt[TUTat;sgR)ak; bkareFVIviruTvaTGac
RbRBwteTA)anenAkgfeFVIkar Etb:ueNaH .
kalebIfcugeRkaynryeBlEdl)ankMNt; edIm,IGnuvt
skmPaBNamYyTak;TgeTAnwgmUlb,TanbRt CaBiesscMeBaHkarbgaj[
TUTat;sgR)ak; bkareFVIviruTvaT bRbtievTn_EdlsmmUlKa RtUvcMfQb;
sRmakCapvkar ryeBlkMNt;enH RtUv)anBnarrhUtdl;feFVIkarTImYy
bnab;BIputryeBlkMNt; . fQb;sRmakkRtUv)anrab;bBaleTAkgkar
KNnaryeBlkMNt;TaMgenaHpgEdr .
maRta 58>ryeBlkMNt;TaMgLayEdlEcgkg CMBkU enH nwgminrab;bBal
pgeT nUvfEdlryeBlenaHcab;epIm .
maRta 59>eTaHbItampvc,ab;kI btampvtulakarkI BMuGnuBaat[manry
eBlGnueRKaHeLIy .
CMBUkTI 3
rUbiyaNti
EpkTI 1
karecjpSaynigTRmg;nrUbiyaNti
-30-
maRta 60>rUbiyaNti CabBaalaylkN_GkSreday\tlkxN ecjeday

buKlmYy[eTAbuKldT cuHhtelxaedaybuKlCaGkecjbBaa tRmUv[
buKl CaGkTTYlbBaaTUTat;sgcMnYnR)ak;CakMNt;mYy [eTA btambBaa
buKlmYyeTot bGkkan; . rUbiyaNtiRtUvEt)anTUTat;sgR)ak;enAeBl
dl;\NRbtiTan ehIyRsbtamral;katBVkicE dlmanEcgkg CMBkU enH .
maRta 61>rUbiyaNtiCa]bkrN_\NTan . rUbiyaNtiGacRtUv)ansresr
CaGkSrExr bGkSrbreTs ehIyRtUvEtmannieTsTaMgLaydUcxageRkam
- Bakfa rUbiyaNti EdlcarwkCaPasaNamYyeRbIkgkarecj
]bkrN_enH
- bBaaeday\tlkxN[TUTat;sgnUvcMnYn)ak;CakMNt;mYy
- eQaHrbs;bharitEdlCabuKlRtUvTUTat;sgR)ak;
- ryeBlkMNt;RtUvTUTat;sgR)ak;
- eQaHrbs;buKlEdlTTYlkarTUTat;sgR)ak; beQaHrbs;bKu l
EdlmanbBaa[TUTat;sgR)ak;cMeBaHxn
- kalbriecT nigkEng EdlrUbiyaNtiRtUv)anecjpSay
- htelxarbs;bharkEdlCabuKlecjbBaaelIrUbiyaNti.
maRta 62>]bkrN_EdlxVHnieTsNamYydUcmanEcgenAkgmaRta 61 n
c,ab;enH BMmu ansuBlPaBCarUby
i aNtei LIy elIkElgEtkg krNITaMgLay
EdlbBaak;enAkgkfaxNdUcxageRkam
1- rUbiyaNti Edlmin)anbBaak;ryeBlkMNt;TUTat;sgR)ak;
RtUv)ancat;TukfaRtUvTUTat;sgR)ak;enAeBlbgaj .
-31-
rbs;bharit RtUv)ancat;Tku fa CakEngRtUvTUTat;sgR)ak; nigCalMenArbs;
bharitpgEdr .
3- rUby
i aNti Edlmin)anbBaak;c,as;nvU kEngnkarecjpSay
RtUv)ancat;Tukfaecj enAkEngEdlbBaak;enAEk,reQaHrbs;bhark .
4- rUbiyaNti GacRtUvecj[TUTat;sgR)ak;eTAGkkan;)an .
rUbiyaNti EdlKaneQaHbuKl EdlTTYlkarTUTat;sgR)ak; beQaH
buKl
EdlmanbBaa[TUTat;sgR)ak;ceM BaHxn RtUv)ancat;Tku fa CarUby
i aNti
TUTat;sgR)ak;[eTAGkkan;.
maRta 63>rUbiyaNti GacRtUv)anecj[TUTat;sgR)ak;tambBaarbs;
bhark . rUbiyaNti GacRtUv)anecjeTAelIbharkxngpal;bCa
RbeyaCn_dl;ttiybuKl .
maRta 64>rUby
i aNti GacRtUv)anTUTat;sgR)ak;enAlMenArbs;ttiybuKl
enAlMenArbs;bharit benAkEngdTeTot .
maRta 65>cMeBaHRbePTrUby
i aNtEi dlRtUvTUTat;sgR)ak;enAeBlbgaj b
RtUvTUTat;sgR)ak; enAkgryeBlkMNt;mYyeRkaykarbgajbharkGac
EcglkxN
fa cMnnY R)ak;TTU at;sgRtUvmankarR)ak; . kgkrNInrUbiyaNti
epSgBIxagelI bdiBaaenHminRtUvcat;TukCa)ankareLIy .
GRtakarR)ak; RtUvEt)anbBaak;enAelIrbU iyaNti . ebIKanesckI
bBaak;enHeT bdiBaaxagelIenH minRtUvcat;TukCa)ankareLIy .
karR)ak;RtUv)anKNnacab;BkI albriecTecjpSayrUby
i aNti
elIkElgEtmankarbBaak;BkI albriecTepSgeTot .
maRta 66>-32-
kgkrNIEdlcMnYnR)ak;RtUvTUTat;sgedayrUbiyaNti RtUv)an
sresrCatYGkSrpg nigCatYelxpg ehIykalebImanlMeGogKacMnnY R)ak;
CatYGkSrCacMnnY EdlRtUvykCa)ankar .
kgkrNIEdlcMnYnR)ak;RtUvTUTat;sgedayrUbiyaNti RtUv)an
sresreRcIndgCatYGkSr bCatYelx ehIykalebImancMnnY lMeGogKacMnnY
R)ak;EdltUcCagCacMnnY RtUvykCa)ankar .
maRta 67>ral;katBVkicnbuKldTeTot Edl)ancuHhtelxaelIrUbiyaNtienAEtmantmdEdl eTaHbIrUbiyaNtienaH manhtelxarbs;buKl
GsmtPaB bhtelxaEkgbnM bhtelxarbs;buKltamkarRbDit b
htelxaEdltamehtuplepSgeTot minGaceFVI[buKlEdl)ancuHhtelxa
b)ancuHhtelxaCMnYs mankarTTYlxusRtUv .
maRta 68>buKlNa Edl)ancuHhtelxaenAelIrUbiyaNti kgnambuKl
mYyeTot EdlxnKansiTti N
M ag[Tal;EtesaH RtUvmankarBak;Bn p a l;Ca
PaKImy
Y elIrbU y
i aNtienaH ehIyebIxn )anTUTat;sgR)ak; RtUvmansiTidcU Ka
nwgbuKl
Edlxn )anTTYlra:br; gCYs[ . viFandUcKaenHk GnuvteTAelI
GaNtiCn Edl)anGnuvthYssiTirbs;xnpgEdr .
maRta 69>bharkFanaelIsIVkarnigkarTUTat;sgR)ak; .
bharkGacrYcputBIkarTTYlxusRtUvelIsIVkar b:uEnminGacrYcput
BIkarTTYlxusRtUv elIkarTUTat;sgR)ak;eLIy .
maRta 70>ebIrUbiyaNti manlkNmineBjeljenAeBlecjpSay ehIy
RtUv)aneFVI[eBjlkN tamEbbepSgxusBIkarRBmeRBogEdlBak;Bnkarmin
eKarBtamkarRBmeRBogenH minGacykCamUlehtubwg Gkkan;)aneLIy
-33-
elIkElgEtGkkan;enH )anTTYlrUbiyaNtimkedayTucrit bmankMhuseday

kareFVsRbEhsFnF; r .
EpkTI 2
bidielxrUbiyaNti
maRta 71>rUby
i aNtEi dlecj[TUTat;sgR)ak; cMeBaHbuKl
NamYyc,as;las; edaymanbKanbBaak;Bakfa sgtambBaa GacRtUv)anepreday
bidei lx .
enAeBlEdlbhark)anbBalkgrUbiyaNti Edlecj[TUTat;
sgR)ak;ceM BaHbuKl
NamYyc,as;las;nvU Bak minsgtambBaa bBakEdl
mannydUcKa rUbiyaNtei naH GacRtUv)aneprRsbtamTRmg; nigmansuBlPaBCakareprFmtaEtb:eu NaH .
rUbiyaNtiGacRtUv)aneFVIbidielx eTaHbI[eTAbharitkI b[
eTAPaKINamYyepSgeTotnrUby
i aNtei naHkI . buKl
TaMgenH GaceFVbI di ei lx
rUby
i aNtei naHbneTot)an .
maRta 72>bidei lxRtUvEt)aneFIeV LIgeday\tlkx N
. lkx N
N
amYy
EdlRtUv)andak;ecjCakmvt cMeBaHkareFVIbidielxrUbiyaNti minRtUvykCa
)ankareLIy .
bidielxelImYyEpkncMnYnR)ak;kgrUbiyaNti RtUvcat;TukCaemaX.
maRta 73>bidielxRtUvEt)aneFVICalaylkN_GkSr enAelIxgrUbiyaNti
benAelIRkdasbiTPab;bEnm ehAfa GnubR t ehIyRtUvEt)ancuHhtelxa
edayGkeFVbI idieu lx .
-34-
bidielxGacminbBaak;BIGtKahk bGacmanEthtelxarbs;
maRta 74>bidielxeprsiTuiTaMgGs;nrUbiyaNti[eTAGkkan; .
- bMeBjkEngcMh bedayeQaHrbs;xnpal;
bedayeQaH rbs;buKldTeTot
- eFVIbidielxbnrUbiyaNtiCacMh b[buKldTeTot
- eprrUbiyaNti[eTAttiybuKl edaymincaM)ac;bMeBj
kEngcMh nigmincaM)ac;eFVIbidielx .
maRta 75>ebIKanbdiBaapy
eT GkeFVbI idielxRtUvTTYlxusRtUvelIkarTUTat;
sgR)ak; .
GkeFVIbidielx GachamXat;kareFVIbidielxNamYybneTot)an
ehIykgkrNIenH buKlEdl)anhamXat; minTTYlxusRtUvTUTat;sgR)ak;
eTAbuKl
TaMgLayNa EdlrUby
i aNtRi tUv)aneFVbI di ei lxbn[eTAenaHeLIy.
bidei lxelIrbU y
i aNtci eM BaHGkkan; naM[GkeFVbI di ei lxmankar
TTYlxusRtUvRsbtambTb,Bats
i BI s
I Ti ei FV]I )aRsy b:uEnrUby
i aNtienaH min
GacERbkayeTACarUby
i aNti sgtambBaa )aneLIy .
maRta 76>mas;rUby
i aNtEi dlGaceFVIbdi ei lx)an CaGkkan;Rsbc,ab; ebI
buKlenH )ankayCamas;rUbiyaNtitamrykareFVIbidielxCabnbnab; eTaHbI
bidielxcugeRkayCabidielxcMhkeday . kgkrNIenH bidielxEdllub
ecalminRtUvykCa)ankareLIy . kalebIbidielxcMh RtUv)anbneday
-35-
bidielxmYyeTot buKlEdlcuHhtelxaeFVIbidielxcugeRkayenH RtUv)an

cat;Tukfa)anTTYlrUbiyaNtitamrybidielxcMh .
enAeBlEdlbuKlNamYy )an)at;bg;siTikan;kab;rUbiyaNti
edaymUlehtuNakeday eTaHbICarUbiyaNtiecjpSay[eTAGkkan;kI b
GaceFVIbidielx)ankI EdlGkkan;mansiTiCamas;dUcmanEcgenAkgkfaxN
xagelInmaRtaenH Gkkan;EdlTTYl)anrUby
i aNtmi kCakmsiTi minRtUv)an
bg[
e)aHbg;ecalrUby
i aNtei LIy elIkElgEtrUby
i aNtei naH)anmkeday
Tucr ti bedaymankMhs
u BIkareFVsRbEhsFnF; r .
maRta 77>buKlTaMgLayEdlbwgGMBIrUbiyaNti minGacbwgGkkan;eday
sMGagelITMnak;TMngpal;xnCamYybhark bCamYyGkkan;mun)aneLIy
elIkElgEtkgkarTTYlrUbiyaNti Gkkan;)andwgc,as;fa nwgnaM[xUc
RbeyaCn_dl;kUnbMNul.
kfaxNxagelInmaRtaenH minGnuvtcMeBaHrUbiyaNti Edl
ecjpSayedIm,ITUTat;sgR)ak;eTAbuKlNamYyc,as;las; EdlkgenaHman
Bakfa minsgtambBaa bRbeyaKNamYy EdlmannydUcKa)aneLIy .
maRta 78>kalebIbidielxmanBakfa tmsRmab;TarbMNul bsRmab;
ebLanicy btamkarRbKl;siTi bRbeyaKNamYyepSgeTot EdlbBaak;
BIkarRbKl;siTisamBa Gkkan;GacGnuvtsiTiTaMgGs;nrUbiyaNtienaH)an
b:uEnGkkan;enH GaceFVIbidielxbn)ankgnamCaPak;garEtb:ueNaH .
kgkrNIenH PaKIBak;BnTaMgLayGacbwgGkkan;)an ehIy
Gkkan;enH kGacbwgGkeFVIbidielx)anpgEdr .
ehtuplnmrNPaBrbs;PaKI Edl)anplk; arRbKl;sTi i bedayehtupl
EdlbuKlenH )ankayCaGsmtPaBnItanukUleLIy .
-36-
enAeBlEdlrUbiyaNti RtUv)anbgaj[FnaKareFVIebLanicy
rUbiyaNtienaH CabBaaTUTat;EdlRKb;RKgedayCMBUkTI 5 sIBIRbtibtikar
TUTat;sgR)ak;nc,ab;enH . kg krNImni mansgtPaBGMBrI Uby
i aNtri vag
bTb,BatinCMBUkenHnigCMBUk TI 5 nc,ab;enH bTb,BatinCMBUkenHRtUvyk
Ca)ankar .
maRta 79>kalebIbidielxmYymanesckIbBaak;fa tmsRmab;Fana b
tmsRmab;dak;bBaaM besckIb Baak;NaepSgeTot Edlmannyfa sRmab;
dak;bBaaM Gkkan;GacGnuvtsTi Ti aMgGs;nrUby
i aNtei naH)an b:Eu nbdi ei lx
Edlxn )aneFIVeLIg manRbsiTPaBRtwmEtCabidei lxedayPak;garEtb:eu NaH .
bNaPaKIEdlBak;BnminGacbwgGkkan; edaysMGagelITMnak;
TMngpal;CamYyGkeFIbV di ei lx)aneLIy elIkElgEtkg karTTYlrUby
i aNti
Gkkan;)andwgc,as;fa nwgnaM[xUcRbeyaCn_dl;knU bMNl
u .
maRta 80>bidielxEdleFVIeLIgeRkayBIviruTvaT beRkayBIkareFVIRbtievTn_
EdlsmmUlKa beRkayBIptu ryeBlkMNt;sRmab;bgaj[TUTat;sgR)ak;
Gacnwg
- minGnuvtkgkarpl;siTieRkammaRta 76 nigmaRta 77 n
c,ab;enHeLIy .
ebIKanPstagpyeT bidielxEdlKancuHkalbriecT RtUvcat;Tuk
fa)aneFVeI nAelIrbU iyaNtimnu eBleFVvI irTu vaTbRbtievTn_EdlsmmUlKa bmun
putryeBlkMNt; Edl)aneyagkgkfaxNxagelInmaRtaenH .
EpkTI 3
sIVkarrUbiyaNti
maRta 81>-37-
rhUtdl;eBl\NRbtiTan Gkkan; bbKu l

EdlmanrUby
i aNti
GacbgajrUbiyaNti)an enAlMenArbs;bharit edIm,I[eFIVsIVkar .
maRta 82>cMeBaHRbePTrUbiyaNtiNakeday bharkGacEcglkxNfa
rUby
i aNtei naH RtUv)anbgaj[eFIs
V kVI aredayman bedayKankMNt;eBl .
bharkGachamXat; karbgaj[eFIVsIVkar)an elIkElgEt
kgkrNI EdlrUbiyaNtiRtUvTUTat;sgR)ak; enAGasydanrbs;ttiyPaKI
benAkEngepSgeTot eRkABIlMenArbs;bharit belIkElgEtkgkrNIEdl
rUbiyaNti RtUv)anecj[TUTat;sgR)ak; enAeBlkMNt;mYyeRkaykar
bgaj .
bharkkGacEcglkxNfa karbgaj[eFIVsIVkarenH minRbRBwt
eTAenAmunkalbriecT Edl)ankMNt;enaHeLIy .
GkeFIVbidielxnImYyGacEcglkxNfa rUbiyaNtiRtUv)anbgaj
[eFIVsIVkaredayman bedayKanryeBlkMNt; elIkElgEtbhark)an
hamXat;kareFIs
V kVI arenaHrYcehIy .
maRta 83>rUbiyaNtiTaMgLay EdlRtUvTUTat;sgR)ak;enAkgryeBl
kMNt;mYy eRkaykarbgaj RtUvEt)anbgaj[eFIVsIVkarenAkgryeBl
mYy01qaM KitBIkalbriecTecjpSay .
bharkGacbRgYjbBnarryeBlkMNt;enH .
ryeBlkMNt;TaMgenH kGacRtUv)anbRgYjedayGkeFIVbidielx
TaMgLaypgEdr .
maRta 84>bharitGacesIsMu[eFVIkarbgajrUbiyaNti)anCaelIkTIBIr enA
fbnab;BIkarbgajelIkTImYy . PaKITaMgLayEdlBak;BnminGactva:fa
-38-
karesIsMuenHminRtUvGnuvttamenaH)aneLIy elIkElgEtkaresIsMuenH RtUv

)anEcgenAkgviruTvaT .
Gkkan;minRtUvRbKl;[eTAbharit nUvrUbiyaNtiEdlbgaj[
eFIVsIVkareLIy .
maRta 85>sIVkarRtUv)ansresrenAelIrUbiyaNtiedayeRbIBakfa )aneFIV
sIVkar bBakepSgeTotEdlmannydUcKa ehIyRtUvcuHhtelxaeday
bharit . htelxasamBarbs;bharitenAxagmuxnrUbiyaNtibegIt)an
CasIVkar .
kalebIrUbiyaNti RtUvTUTat;sgR)ak; kgryeBlNamYy
eRkaykarbgaj bRtUvEt)anbgaj[eFIVsIVkarenAkgryeBlkMNt;Na
mYy edayGnuelamtambdiBaaBiess sIVkarenaHRtUvEt)ancuHkalbriecT
enAfEdl)aneFIV elIkElgEtGkkan;TamTarfa fenaHCafbgaj[
TUTat;sgR)ak; . ebIskVI arenaH KancuHkalbriecTeT Gkkan; edIm,IrkSasiTi
])aRsyTl;ngw GkeFIbV di ei lx nigTl;ngw bhark RtUveFI[
V Rsbc,ab;ceM BaH
kMhs
u ePcPagM enaH edayvirTu v aTEdleFVIeLIgenAkg eBlevlasmRsb .
maRta 86>sIVkarBMumanlkxNeT b:uEnbharitGacTamTarkareFVIsIVkareTA
elIEtmYyEpkncMnYnR)ak;EdlRtUvTUTat;sg .
ral;karEkERbepSgeTot EdlGkeFIVsIVkar)aneFVIelIxwmsarn
rUbiyaNti KWCakarbdiesFmineFVs
I IkV ar . b:Eu nGk eFIVsVkI arRtUvTTYlxusRtUv
RsbtamxwmsarnsIVkarEdlxn)anEkERb .
maRta 87>kalebIbharknrUbiyaNti)anbBaak;kEngTUTat;sgR)ak;eRkA
BIlMenArbs;bharit edayKanbBaak;BIGasydanrbs;ttiyPaKI EdlCa
kEngRtUvTUTat;sgR)ak; bharitGacbBaak;eQaHttiyPaKIenHenAkgeBl
-39-
eFIVsIVkarEtmg . ebIKanesckIbBaak;enHeT GkeFIVsIVkarRtUv)ancat;Tukfa

)anyl;RBmTUTat;sgrUbiyaNtienaH edayxngenAkEngTUTat;sgR)ak;.
ebIrbU y
i aNtRi tUv)anTUTat;sgenAlMenArbs;bharit Gasydan
EdlCakEngCamYyKanwgkEngEdleFVIkarTUTat;sgR)ak; RtUv)anbBaak;enA
eBlbhariteFIVsIVkar .
maRta 88>rUbiyaNtiminRtUveRbIR)as;CakareprmUlniFikgdrbs;bharit
EdlmansRmab;TUTat;sgR)ak; ehIybharitnrUbiyaNtiEdlminRBmeFVI
sVIkar minTTYlxusRtUvelIrUbiyaNtieLIy .
tamrysIVkar bharitTTYlTUTat;sgrUbiyaNti enAeBldl;
\NRbtiTan .
ebIBmuM ankarTUTat;sgR)ak;eT Gkkan; eTaHbIxn CabharkkIm an
siTei FI]V )aRsypal;GBM rI bU y
i aNtTi l;ngw GkeFIs
V kVI arcMeBaHGIV EdlGacRtUv
)anTamTar GnuelamtammaRta 106 nigmaRta 107 nc,ab;enH .
maRta 89>kalebIbharitEdl)aneFIVsIVkarenAelIrUbiyaNti )anlubsIVkar
enaHenAmuneBlmanbdiTanrUby
i aNtmi kvij sIkV arenHRtUv)ancat;Tku fa )an
bdiesFecal . kgkrNIEdlKanPstagpyBIenH karlubecal RtUv
)ancat;Tukfa eFIVeLIgenAmuneBlrUbiyaNtiRtUv)aneFIVbdiTan .
ebIbharit)anCUndMNwgBIsIVkarrbs;xnCalaylkN_GkSr[
eTAGkkan; b[eTAPaKINamYyEdl)ancuHhtelxaelIrUbiyaNti eTaHbI
ya:gNakeday kbharitRtUvTTYlxusRtUvcMeBaHPaKITaMgenH Rsbtamxwm
sarnsIVkarrbs;xn.
-40-
EpkTI 4
rUbiybdiePaKrUbiyaNti
maRta 90>karTUTat;sgrUbiyaNti GacRtUv)anFanaedayrUbiybdePaK
enAelIcMnYnR)ak;TaMgGs; bmYyEpknrUbiyaNti .
karFanaenHGacRtUv)anpl;edayttiybuKl bedaybuKlNa
mYy Edl)ancuHhtelxaelIrUbiyaNti .
maRta 91>rUbiybdiePaKGacRtUv)aneFIVeLIg enAelIrUbiyaNtipal; benA
elIGnubRt .
rUbiybdiePaKRtUv)anbBaak;edayBakfa yl;RBmeFVIrUbiybdiePaK bedayrUbmnNamYyepSgeTotEdlmannydUcKa nigRtUvEtcuHhtelxadayGkpl;rUbiybdiePaKehAfa rUbiybdiePaKI .
ral;htelxa Edl)ancuHenAxagmuxrUby
i aNti eRkABIhtelxa
rbs;bharit brbs;bhark RtUv)ancat;Tku faCahtelxaeFIrV bU y
i bdiePaK.
rUbiybdePaK RtUvEtbBaak;[)anc,as;las;nUvbuKlNamYy
EdlCaGkTTYlplBIrUbiybdiePaKenaH . ebIKanesckIbBaak;enHeT
rUbiybdiePaKRtUv)ancat;Tukfa eFVI[bhark .
maRta 92>rUbiybdiePaKImankatBVkicdUcbuKl Edl)anTTYlkarFanaEdr.
karcuHhtelxaFanaenAEtmantm eTaHbIkatBVkci E dl)anFana
enaH minRtUv)anGnuvttam edaysarehtuplepSg eRkABIvikarxagTRmg;
keday .
enAeBl)anTUTat;sgrUby
i aNti rUby
i bdiePaKImansiTTI aMgLay
nrUbiyaNtienaH Tl;nwgbuKlEdlRtUv)anFana nigbuKlEdlBak;BnCa
mYybuKlEdlRtUv)anFanaenH enAelIrUbiyaNti .
-41-
EpkTI 5
\NRbtiTanrUbiyaNti
maRta 93>rUbiyaNtiGacRtUv)anecjedIm,I
- TUTat;sgR)ak;enAeBlbgaj
- TUTat;sgR)ak;enAkg ryeBlkMNt;mYy eRkaykarbgaj
- TUTat;sgR)ak;enAkgryeBlkMNt;mYy eRkaykalbriecT
ecjpSay b
- TUTat;sgR)ak;enAkalbriecTmYyCakMNt; .
rUbiyaNtiGacRtUv)anecj[TUTat;sgR)ak;CaeRcIndNak;kal
EdldNak;kalnImYy RtUveFIVenAkalbriecTmYyCakMNt; edayman
lkxN
f a kg krNIxkxanTUTat;sgR)ak;enAdNak;kalNamYycMnnY R)ak;
EdlenAsl;RtUvdl;kalkMNt;sgTaMgRsug .
rUbiyaNtiTaMgLayEdlman\NRbtiTanepSgBIenH RtUv)an
cat;TukCaemaX .
maRta 94>rUby
i aNtTi TU at;sgR)ak;enAeBlbgaj RtUvEt)anTUTat;sgR)ak;
enAeBlbgaj . rUby
i aNtei nH RtUvEt)anbgajenAeBlNamYykg ry
eBlmYy01qaM KitBIkalbriecTecjpSay . bhark GacbRgYj b
BnarryeBlenH . ryeBlkMNt;enH kGacRtUv)anbRgYjedayGkeFIV
bidielxpgEdr .
bharkGacbBaak;fa rUbiyaNtiTUTat;sgR)ak;enAeBlbgaj
minRtUv)anbgaj[TUTat;sgR)ak;enAmunfkMNt;eLIy . kgkrNIenH
ryeBlkMNt;sRmab;bgaj RtUvcab;epImBIfkMNt;enaH .
maRta 95>-42-
\NRbtiTannrUby
i aNtTi TU at;sgR)ak; enAkg ryeBlkMNt;
mYy eRkaykarbgajRtUv)ankMNt;edaykalbriecTeFIs
V VkI ar bkalbriecT
eFIvV irTu vaT .
ebIKanviruTvaTeT sIVkarEdlBMu)ancuHkalbriecT edayGkeFVI
sVIkar RtUv)ancat;Tukfa )aneFIVenAfcugeRkaynryeBlkMNt;bgaj[
eFVIsIVkar .
maRta 96>enAeBlEdlrUbiyaNti RtUv)anecj[TUTat;sgR)ak;kgry
eBlmYyEx beRcInEx eRkaykalbriecTnkarecjpSay beRkaykarbgaj
rUby
i aNtmi an\NRbtiTanenAkalbriecT EdlRtUvKaenAkg ExEdlRtUvTUTat;
sgR)ak; . ebIKankalbriecTRtUvKaeT rUbiyaNtiman\NRbtiTanenAf
cugeRkaynExenaH .
kalebIrUbiyaNti RtUv)anecj[TUTat;sgR)ak; kgryeBl
mYyExknH beRcInExknH eRkaykalbriecTnkarecjpSay beRkaykar
bgaj ryeBleBjeljnExTaMgenaH RtUvEt)anykmkKitCamun .
ebI\NRbtiTanRtUv)ankMNt;enAedImEx Bak;kNalEx benA
dNac;Ex RtUvykfTImYy fTIdb;R)aM bfdac;ExmkKit .
Bakfa R)aMbIf bdb;R)aMf minmannyfa mYys)ah_ bBIr
s)ah_eT KWCaryeBl R)aMbIf bdb;R)aMfBitR)akd .
Bakfa knHEx mannyfadb;R)aMf .
maRta 97>kalebIrbU iyaNti RtUvTUTat;sgR)ak;enAkalbriecTmYyCakMNt;
enAkEngEdlmanRbtiTni xusBIRbtiTni nkEngecjpSay f\NRbtiTanRtUv
)ankMNt;eTAtamRbtiTni nkEngTUTat;sgR)ak; .
kalebIrUbiyaNtiecjrvagkEngBIr EdlmanRbtiTinxusKaRtUv
TUTat;sgR)ak;enAkg ryeBlkMNt;my
Y eRkaykalbriecTecjpSayfecj
-43-
pSayRtUv)anKittamf EdlRtUvKanwgRbtiTinnkEngRtUvTUTat;sgR)ak; ehIy

\NRbtiTankRtUvkMNt;RsbeTAtamenaHEdr . ryeBlsRmab;bgaj
rUbiyaNti RtUv)anKNnaeTAtamviFanenH .
viFanTaMgenHminRtUv)anGnuvteT ebImanbdiBaa bxwmsarEcg
GMBIviFanepSgBIenH .
EpkTI 6
karTUTat;sgR)ak;
maRta 98>Gkkan;rUbiyaNti EdlRtUvTUTat;sgR)ak; enAkalbriecTmYy
CakMNt; benAkgeBlkMNt;mYyeRkaykalbriecTecjpSay beRkay
karbgaj RtUvbgajenAfTUTat;sgR)ak; benAfNamYyrvagBIr02f
eFIVkarbnab; .
karbgajrUby
i aNtti amrysPapat;Tat; btamryRbBne GLic
RtUnik dUcEdlmanEcgenAkgkicRBmeRBog bbTbBaaEdlecjedayFnaKar
Catinkm<C a Cakarbgaj[TUTat;sgR)ak;Capv kar .
maRta 99>bharitEdlTUTat;sgrUbiyaNti GactRmUv[RbKl;rUbiyaNti
enaH[xn eRkayBImanbBaak;karTTYlR)ak;BIGkkan; .
Gkkan;GacminbdiesFkarTUTat;sgR)ak;mYyEpk ncMnYnR)ak;
rUbiyaNti .
kg krNImankarTUTat;sgR)ak;my
Y EpkncMnnY R)ak; bharitGac
TamTar[bBaak;karsgR)ak;my
Y EpkenaH enAelIrbU y
i aNti nigTamTarbgan;
dTTYlR)ak;pgEdr .
maRta 100>enAeBlEdlrUby
i aNti minRtUv)anbgaj[TUTat;sgR)ak;enAkg
ryeBlEdlkMNt;edaymaRta 98 nc,ab;enH kUnbMNl
u RtUv)anGnuBaat
-44-
[tmlc; nM nY )ak;enaH enAGaCJaFrmansmtkic tamkarkMNt;rbs;FnaKar

Catinkm<C a eRkamkarTTYlxusRtUv nighaniPy
rbs;Gk kan;.
maRta 101>Gkkan;rUbiyaNti minGacRtUv)anbgM[TTYlykkarTUTat;sg)ak; enAmuneBldl;\NRbtiTaneLIy .
bharitEdlTUTat;sgR)ak;muneBldl;\NRbtiTan RtUvTTYl
rghaniPy edayxngpal; .
bharitEdlTUTat;sgR)ak;enAeBldl;\NRbtiTan RtUv)anrYc
putya:gRtwmRtUv BIkatBVkci r bs;xn elIkElgEtmankMhs
u nkarEkgbnM
bnkareFVsRbEhsFnF; r . bharit RtUvTTYlxusRtUvepgpat;RbRktIPaB
nlMdab;bidielx b:uEnminepgpat;htelxaGkeFVIbidielxeLIy .
maRta 102>enAeBlEdlrUby
i aNti RtUv)anecjCarUby
i bN EdlminEmn
Carbs;kEngRtUvTUTat;sgR)ak; cMnnY R)ak;GacRtUvTUTat;sg CarUbiybNn
RbeTsCakEngTUTat;sgR)ak; eTAtamGRtabrR)ak;enAf\NRbtiTan .
ebIkarTUTat;sgR)ak;mni RtUv)aneFVeI nAeBlbgaj Gkkan;Gacess
I [
uM karTUTat;
sgcMnnY R)ak;enAelIrbU y
i aNtei naH eFVeI LIgCarUby
i bNr bs;RbeTsCakEng
TUTat;sgR)ak; eTAtamGRtabr R)ak;enAf\NRbtiTan benAfTUTat;sgR)ak;
tamkareRCIserIsrbs;xn .
ral;kareRbIR)as;kEngTUTat;sgR)ak; nwgRtUv)anGnuvtsRmab;
kMNt;tmrUbiybN . b:uEnbharkGacEcglkxNfa cMnYnR)ak;Edl
TUTat;sgnwgRtUvKNnaeTAtamGRtabrR)ak; EdlbBaak;enAelIrUbiyaNti .
viFanTaMgLayxagelIenHminRtUv)anGnuvtcMeBaHrUbiyaNti
- EdlecjCarUbiybNEdlmankarTTYlyk enARBHraCa
NacRkkm<Ca
-45-
- Edlkg enaH bhark)anbBaak;fa karTUTat;sgR)ak; RtUv

EteFVeI LIgCarUby
i bNN
amYyc,as;las; . kgkrNIxag
elIenH rUby
i aNtni gw RtUvTUTat;sgCarUby
i bN Edl)an
bBaak; .
ebIcMnYnR)ak;nrUbiyaNti RtUv)anbBaak;CarUbiybNEdlman
namcarwkdUcKa b:uEnmantmxs
u Ka rvagRbeTsTUTat;sgR)ak; nigRbeTs
ecjpSay bRbeTsNamYyepSgeTot elIkElgEtmankarkMNt;epSgBIenH
cMnnY R)ak;kg rUby
i aNti RtUvcat;Tku fa )anTUTat;sgCarUby
i bN nRbeTs
TUTat;sgR)ak; . enAeBlNaEdlrUbiybN nRbeTsTUTat;sgR)ak;
minmannamcarwkdUcKa karTUTat;sgR)ak;RtUv)aneFVIeLIgCarUbiybN Edl
RtUv)aneRbIR)as;y:agTUlMTUlay enAkEngTUTat;sgR)ak; .
enAeBlEdlrUbiyaNti RtUv)anTUTat;sgenAFnaKar karcgl
bgajKNnI EdlRtUvcuH\NBntamcMnnY R)ak;RtUvTUTat;sgRtUv)ancat;Tku Ca

karGnuBaat[TUTat;sg CarUby
i bN nKNnI .
EpkTI 7
])aRsycMeBaHkarmineFIVsIVkarbkarminTUTat;sgR)ak;
maRta 103>Gkkan;rUbiyaNti GacGnuvtsiTieFIV])aRsyrbs;xn Tl;nwg
GkeFIVbidielxTaMgLay bhark nigPaKIBak;BndTeTot
1- enAeBldl;\NRbtiTan ebIkarTUTat;sgR)ak;mni RtUv)aneFIV b
2- eTaHbIenAmuneBldl;\NRbtiTankI
- ebImankrNImni RBmeFIs
V kVI arcMeBaHcMnnY )ak;TaMgRsug bmy
Y
EpknrUby
i aNti
- kgkrNIFnkSyrbs;bharit eTaHbICaman bKaneFIVsIVkar
kI bkg krNIbBab;bharit min[TUTat;sgR)ak; eday
KanesckIseRmcBItulakar benAeBlNaEdlkarGnuvt
rwbGUsRTBsm,ti rbs;bharitBM)u anseRmc
-46-
- kgkrNIFnkSyrbs;bhark nrUbiyaNti EdlmineFIV

sIVkar .
maRta 104>viruTvaTGacRtUv)aneFVIeLIgeRkamlkxNdUcteTA
1- karxkxanmin)aneFIs
V kVI ar bmni )anTUTat;sgR)ak; RtUvEt)an
bgajPst agedayvirTu v aTtamc,ab; .
2- viruTvaTcMeBaHkarmineFIVsIVkar RtUvEt)aneFVIenAkgryeBl
kMNt;bgaj[eFIVsIVkar . dUcmanEcgenAkgmaRta 84 nc,ab;enH ebI
karbgajelIkTImYy RtUv)aneFVIenAfcugeRkay nryeBlkMNt;enaH
viruTvaTGaceFVIeLIgenAfbnab; .
3- viruTvaTcMeBaHkarminTUTat;sgrUbiyaNti EdlRtUvTUTat;sg
R)ak; enAkalbriecTmYyCakMNt; benAkgryeBlkMNt;mYyeRkaykal
briecTnkarecjpSay beRkaykarbgaj RtUvEt)aneFVeI nAfNamYy kg
rvagBIr02feFIVkarbnab;BIf EdlrUbiyaNtienaHRtUvTUTat;sgR)ak; .
enAkgkrNInrUbiyaNti EdlRtUvTUTat;sgR)ak;enAeBlbgajviruTvaTRtUv
Et)aneFVeI Rkamlkx N
T aMgLay EdlmanEcgenAkg kfaxNTI 2 xagelI
sIB vI irTu vaTcMeBaHkarmineFIs
V kVI ar .
4- viruTvaTcMeBaHkarmineFIVsIVkar GaceFVI)anedaymin)ac;bgaj
rUbiyaNti[TUTat;sgR)ak; nigbgajviruTvaTcMeBaHkarminTUTat;sgR)ak; .
5- ebIbharitRtUv)anbBab; min[TUTat;sgR)ak; eTaHbIman b
KansIVkarkI bebIkarGnuvtrwbGUsRTBsm,timin)anseRmc Gkkan;Gac
GnuvtsiTieFIV])aRsy)an EtenAeRkaykarbgajrUbiyaNti [eTAbharit
eFIVkarTUTat;sgR)ak; nigenAeRkayeBlEdlviruTvaTRtUv)aneFVI .
6- ebIbharitRtUv)anRbkasfa FnkSyeTaHbI)an bmin)aneFVI
sIVkarkI bebIbharknrUbiyaNti EdlmineFIVsIVkar RtUv)anRbkasfaFn
-47-
kSy karbgajsalRkm bsaldIkarbs;tulakarEdlRbkasBIFnkSy

enaH mantmRKb;RKan;[Gkkan; GacGnuvtsiTieFIV])aRsy)an .
7- virTu v aTRtUvEt)ancuHhtelxa bBaak;yfaPaBnksar eday
mnIEdlTTYlsiTiRsbc,ab; . drabNaBMuTan;manmnI Edl)anTTYlsiTi
Rsbc,ab;enaHeT mnIenaHRtUvEt)anEtgtaMgedayFnaKarCatinkm<Ca .
viruTvaTRtUvmanc,ab;ftcmg bc,ab;edmnrUbiyaNtiPab;CamYy nigRtUv
bBaak;c,as;las;GBM bI Ku l
EdleFVvI ri Tu vaTenaH kEngnigkalbriecTmUlehtu
nvirTu v aT sMNmU BrEdlelIkeLIg nigcemIyEdlplm; kvijebIman bGBM I
karEdlrkmineXIjbharit bGk eFVIsVIkar . viruTv aTRtUv)aneFIVeLIg enAkEng
nkarbdiesFminTUTat;sgR)ak; bmineFVIsVIkar benAkEngepSgeTotkg
RBHraCaNacRkkm<C a Edlsitkg cmay minelIsdb;10KILE m:RtBIkEng
nkarbgaj nignkarbdiesFminTUTat;sgR)ak; bmineFVIsVIkar .
8- virTu vaTGacRtUv)aneFVeI LIg edayRbtievTn_CalaylkN_GkSr
nigmancuHhtelxarbs;bharit bBaak;c,as;GMBIBtmanTaMgLay dUcEdl
)ankMNt;enAkgkfaxNTI7nmaRtaenH .
maRta 105>Gkkan;RtUvCUndNwg BIkarmineFVIsVIkar bminTUTat;sgR)ak;eTA
GkeFVbI idielxrbs;xn bhark nigrUbiybdiePaKINamYy nGkeFVs
I kIV arenA
kg ryeBlbYn04feFVkI ar bnab;BI feFVvI ri Tu v aT benAfbgaj[TUTat;sg
R)ak; kgkrNIEdlmanbdiBaafa bgVilvijedayKanesahuy bbgVilvij
edayKanviruTvaT besckIepSgNamYyEdlmannydUcKa . enAkgry
eBlBIr02feFVIkarbnab;BIf)anTTYlesckICUndNwg GkeFVIbidielx
nImYy RtUvCUndNwgdl;GkeFVIbidielxrbs;xnGMBIesckICUndMNwgEdl
)anTTYl edaybBaak;BeI QaH nigGasydanrbs;Gk eFVbI di ei lx Edl)an
ple; sckCI nU dNgw mun CalMdab;lMedayrhUtdl;bhark)anTTYl .
ryeBlkMNt;EdlbBaak;xagelI RtUvKitBIfTTYl)anesckICUndMNwgmun.
-48-
esckICUndNwg RtUv)anpl;eTAbuKlEdl)ancuHhtelxaelIrUbiyaNti
esckICUndMNwgdUcKaenH kRtUv)anpl;eTArUbiybdiePaKIenAkgeBlkMNt;
dUcKa .
kalebIGkeFVbI di ei lx min)anbBaak;c,as; nUvGasydanrbs;xn
bk) anbBaak;edayminc,as; esckCI nU dMNgw Edl)anple; TAGkeFVbI idielx
buKlEdlRtUvpl;esckICUndMNwg GaceFVIesckICUndMNwgtam
rUbPaBNamYyk)an eTaHbIRtwmEtbBanrUbiyaNtiRtLb;vijkeday .
buKlEdlRtUvpl;esckICUndNwg RtUvbgajPstagfa xn
)anCUndNwgkgryeBlkMNt; . ryeBlkMNt;enHnwgRtUvcat;Tukfa
)aneKarBtam ebIlixitCUndMNwg RtUv)anepJItamRbsNIy_ kgryeBl
kMNt;enaH .
buKlEdlmin)anpl;esckICUndMNwg kgryeBlkMNt;xagelI
RtUvTTYlxusRtUvcMeBaHkarxUcxat EdlekIteLIgedaykareFVsRbEhsrbs;xn
ebIman b:Eu ncnM nY R)ak;EdlTTYlxusRtUv minRtUvelIsBIcnM nY R)ak;nrUby
i aNti
eLIy .
i vijedayKanesahuy bbgVl
i vijeday
KanvirTu v aT besckeI pSgNamYy EdlmannydUcKa ehIyEdl)ansresr
nigmancuHhtelxaenAelIrUbiyaNti bhark GkeFVIbidielx brbU iybdiePaKI
Gac[Gkkan;mni caM)ac;eFVvI ri uTvaT edIm,IGnuvtsTi ei FV]I )aRsy .
bdiBaaenHminGac[Gkkan;rcY put BIkarbgajrUby
i aNti enAkg
ryeBlkMNt; bBIkartRmUv[manral;esckICUndMNwgeLIy . esahuy
EdlekIteLIgBIkarbgajPstag nkarmineKarBtamryeBlkMNt;eday
Gkkan; Cabnkrbs;buKlEdl)anbwgTl;nwgGkkan; .
-49-
ebIbdiBaaRtUv)ansresredaybhark bdiBaaenHRtUvGnuvt)an
eTAelIbuKlTaMgLay Edl)ancuHhtelxaelIrUbiyaNti . ebIbdiBaa
RtUv)ansresredayGkeFVIbidielx brUbiybdiePaKI bdiBaaenaH RtUvGnuvt
)ancMeBaHEtGkeFVIbidielx brUbiybdiePaKIb:ueNaH . eTaHbIbdiBaasresr
edaybharkkeday ebIGkkan;eFVIviruTvaT Gkkan;enHRtUvTTYlr:ab;rg elI
esahy
u TaMgGs;EdlekItman . kalebIbdiBaaekItecjGMBGI keFVbI di ielx
brUbiybdiePaKI esahuynviruTvaTebIman GacRtUv)anTarBIbuKlTaMgLay
Edl)ancuHhtelxaelIrbU y
i aNti .
maRta 107>ral;bhark GkeFIVskVI ar GkeFIbV di ielx bbuKlFanaedaykareFVI
rUbiybdiePaK nrUby
i aNti mankatBVkci T TYlxusRtUvrYmKacMeBaHGkkan; .
Gkkan;mansiTibwgTl;nwgbuKlCab;Bak;BneTAnwgrUbiyaNti
CaktCn brYmKa edayminKitdl;lMdab;lMeday EdlbuKlTaMgenH
cUlmkCab;Bak;BneLIy .
siTdi cU KaenH RtUvmancMeBaHbuKl
Na Edl)ancuHhtelxaelI
rUbiyaNti ehIy)anTTYlykrUbiyaNtirkSaTuk nig)anTUTat;sgR)ak; .
ral;karbgw Tl;ngw PaKImy
Y nPaKIBak;Bn T aMgLay minraraMgkar
bwgTl;nwgbuKldTeToteLIy eTaHbIbuKldTTaMgenHTak;Tinbnbnab;BI
buKl
Edl)anTTYlrgkarbgw TImy
Y enaHkeday .
maRta 108>Gkkan;GacTamTarBIbuKlEdlxnGnuvtsiTi])aRsy nUvcMnYn
R)ak;nrUby
i aNtEi dlmin)aneFVs
I kVI ar bmni )anTUTat;sgedaymankarR)ak;
ebIkarR)ak;enaHmanEcgelIrUbiyaNti karR)ak;EdlKNnatamGRtakMNt;
edayFnaKarCatinkm<Ca KitBIf\NRbtiTan nigesahuyTaMgLayEdl
ekItman .
-50-
ebIsiTieFIV])aRsy RtUv)anGnuvtmuneBldl;\NRbtiTan cMnYn

R)ak;nrUbiyaNtiRtUvCakmvtnkareFVIGb,har . Gb,harenHRtUv)anKNna
eTAtamGRtaGb,harCapvkar rbs;FnaKarenAfeFVI])aRsyenAkEngsak;enA
rbs;Gkkan; .
maRta 109>PaKIEdl)anTTYlyk nigTUTat;sgrUbiyaNti GacTamTarmk
vijBIPaKITaMgLay EdlBak;BnCamYy nUvcMnYnR)ak;TaMgRsugEdl)an
TUTat;sg karR)ak;elIcnM nY R)ak;Edl)anTUTat;sg KNnatamGRtakMNt;
edayFnaKarCatinkm<C a KitBIf)anTUTat;sgR)ak; nigesahuyTaMgLay
EdlekItman .
maRta 110>PaKIBak;Bnn ImYy EdlTTYlrgkarGnuvtsTi ei FIV])aRsy Gac
TamTaredaybr nwgkarTUTat;sgR)ak; [RbKl;mkxn nUvrUby
i aNtri mY CamYy
nwgviruTvaT nigbgan;dTTYlR)ak; .
GkeFIVbidielxnImYy Edl)anTTYlyk nig)anTUTat;sg
rUbiyaNti Gaclubecalbidielxrbs;xn nigrbs;GkeFIVbidielxbnbnab;
tameRkay .
maRta 111>enAkgkrNIEdlkarGnuvtsiTieFIV])aRsy bnab;BIkareFIVsIVkar
EtelImYyEpkncMnYnR)ak; PaKIEdlTUTat;sgcMnYnR)ak;elIrUbiyaNtiEdl
minRtUv)aneFIVsIVkarenaH GacTamTar[bBaak;karTUTat;sgR)ak;mYyEpkenH
enAelIrUbiyaNti nigTamTarykbgan;dkgkarTUTat;sgR)ak;enHpg .
Gkkan;kRtUvEtRbKl;[GkTUTat;sgR)ak;enH nUvc,ab;cmgmanviBaabnkm
nrUby
i aNti rYmCamYynwgvirTu v aT edIm,IGacGnuvtsTi ]i )aRsyCabneTot .
maRta 112>-51-
kgkrNIEdlKankicRBmeRBgpyBIenHeT ral;buKlEdlman
siTei FI]V )aRsy GacTUTat;sgR)ak;edayxn g tammeFa)aynrUby
i aNti
fImYyeTot Edlecj[TUTat;sgR)ak;enAeBlbgaj[eTAPaKINamYyEdl
CMBak;xn nigEdlRtUvTUTat;sgenAlMenAnPaKIenaH .
CabEnmelIcMnYnR)ak;nana EdlEcgenAkgmaRta 108 nig
maRta 109 nc,ab;enH rUbiyaNtifI manbBalnUvkRmeCIgsa nigf
EtmRbpgEdr .
ebIrUbiyaNtifIRtUv)anecjedayGkkan; cMnYnR)ak;TUTat;sg
RtUv)ankMNt;eTAtamGRtakarR)ak; sRmab;rUbiyaNtiTUTat;sgR)ak;enA
eBlbgaj enAkEngEdlrUby
i aNtidbM gU RtUv)anTUTat;sgR)ak;enAlMenA
rbs;PaKIBak;Bn . ebIrUbiyaNtifRI tUv)anecjedayGkeFIbV di ei lx cMnnY
R)ak;TTU at;sgRtUv)ankMNt;eTAtamGRtakarR)ak; sRmab;rbU y
i aNtTi TU at;sg
enAeBlbgaj enAkEngEdlbharknrUbiyaNtifIenaH manlMenAenAkEng
CamYyPaKImYyEdlBak;Bn .
maRta 113>Gkkan;)at;bg;sTi ei FI]V )aRsyrbs;xn Tl;ngw GkeFIbV di ei lxTaMg
Lay bhark nigPaKIBak;BndTeTot elIkElgEtsiTieFVI])aRsy Tl;nwg
GkeFIVsIVkar eRkayputryeBlkMNt;
- sRmab;karbgajrUbiyaNti Edlecj[TUTat;sgR)ak;enA
eBlbgaj benAkgryeBlkMNt;mYyeRkaykarbgaj
- sRmab;kareFVvI ri Tu v aTcMeBaHkarmineFIs
V kVI ar bkarminTUTat;sgR)ak;
- sRmab;karbgaj[TUTat;sgR)ak; kgkrNIEdlmanbdiBaa
fa bgVl
i vijedayKanesahy
u bbgVl
i vijedayKanvirTu v aT
besckIepSgNamYyEdlmannydUcKa .
ebIKankarbgaj[eFIVsIVkarkgryeBl EdlkMNt;edaybhark
eT Gkkan;)at;bg;sTi ei FI]V )aRsyrbs;xn cMeBaHkarminTUTat;sgR)ak; kdcU
-52-
CakarmineFIs
V kVI ar elIkElgEtxmw sarnbdiBaa)anbgajfa bharkman
ectnaeFVI[xnrYcput BIkarFanaelIsIVkarEtb:ueNaH .
ebIbdiBaasIBIryeBlkMNt;[bgaj mancuHenAkgbidielx
ryeBlkMNt;enHmanRbsiTPaB cMeBaHGkeFIVbidielxenaHEtb:ueNaH .
Gkkan;Edl)at;bg;siTieFVI])aRsyeRkammaRtaenH Gacbwg
bhark eRkambTb,BatiedayELksIBIkicsna . sMNg)anmkvijdUc
manEcgkgkfaxNenH RtUv)ankat;sgelIkarxUcxat EdlbgeLIgeday
Gkkan;cMeBaHbhark edaysarEtxkxanmin)aneKarBryeBlkMNt; .
maRta 114>kalebIkarbgajrUbiyaNti[TUTat;sgR)ak; bkareFVIviruTvaT
kgryeBlkMNt; RtUv)anraMgsHeday]bsKminGacqgput)an EdlCa
krNIRbFanski ryeBlkMNt;enHRtUv)anBnar .
Gkkan;mankatBVkci p l
e; sckICnU dNgw Pam GMBkI rNIRbFanski
[eTAGkeFIbV di ei lxrbs;xn nigRtUvbBaak;GBM eI sckCI nU dMNgw enH edaycuH
kalbriecT nightelxaelIrbU y
i aNti belIGnubR t . cMeBaHRbkarepSg
eTotRtUvGnuvteTAtammaRta 105 nc,ab;enH .
enAeBlEdlkrNIRbFanski)ancb; Gkkan;RtUvbgajrUbiyaNti
Pam edIm,I[eFIVsIVkar b[TUTat;sgR)ak; ehIyebIcaM)ac; RtUveFVIviruTvaT .
ebIkrNIRbFanski enAbnekItmanelIsBIsamsib 30 f
eRkayeBldl;\NRbtiTan ])aRsyGacRtUv)aneFVIeLIg ehIyTaMgkar
bgaj[TUTat;sgR)ak; TaMgkareFVIviruTvaTmincaM)ac;eFVIeLIy .
cMeBaHrUbiyaNti Edlecj[TUTat;sgR)ak;enAeBlbgaj b
enAkg ryeBlkMNt;my
Y eRkaykarbgaj ryeBlkMNt;samsib30
fenaH RtUvcab;epImBIkalbriecTEdlGkkan;)anCUndNwgBIkrNIRbFanski
eTAGkeFIbV di ei lxrbs;xn eTaHbIenAmunputryeBlkMNt;RtUvbgaj [TUTat;
sgR)ak;keday . cMeBaHrUby
i aNtiEdlecj[TUTat;sgR)ak; enAkg ry
-53-
eBlkMNt;my
Y eRkaykarbgaj ryeBlkMNt;samsib30fxagelIenH
RtUvEtbUkbEnm CamYyryeBleRkaykarbgaj EdlmanbBaak;c,as; enA
elIrbU y
i aNti .
buKl
Edl)anTTYlsiTikg karbgajrUby
i aNti [TUTat;sgR)ak; bkg kar
eFVvI ri Tu v aT minRtUv)ancat;Tku Ca krNIRbFanskei LIy .
karTTYlxusRtUvelIrbU y
i aNti EdlRtUv)an)at;bg; bRtUvbMpa j
GacGnuvt)anluHNaEtmankarFana BIPaKIGnuvtrUbiyaNtiEdlsgkar
xUcxateTAPaKIBak;Bn cMeBaHkarTamTarrbs;buKlepSgeTotelIrUbiyaNti
tamesckIseRmcrbs;tulakar ebIGkkan;)anTTYlrUbiyaNtimkedaysucrit
bedayKankareFVsRbEhsFn;Fr .
EpkTI 8
kareFIVGnraKmn_edIm,ITUTat;sgR)ak;
maRta 115>bhark GkeFIVbidielx brUbiybdiePaKIGacbBaak;eQaHbuKl
EdlRtUveFIVsIVkar bTUTat;sgR)ak;)an kgkrNIcaM)ac; .
rUbiyaNtiGacRtUv)aneFIVsIVkar bTUTat;sgedaybuKlEdleFIV
GnraKmn_ edIm,ITUTat;sgR)ak;CYskUnbMNulNamYy EdlTTYlrgsiTieFIV
])aRsy .
buKlEdl)aneFIVGnraKmn_ GacCattiyPaKI bharit bPaKI
Edl)anBak;Bn elIrUbiyaNtirYcehIy elIkElgEtGkeFIVsIVkar .
enAkgryeBlBIr02feFIVkar buKlEdl)aneFVIGnraKmn_
RtUvEtCUndNwgeTAPaKI Edlxn)aneFIVGnraKmn_edIm,ITUTat;sgR)ak; .
ebImni eKarBtamryeBlkMNt;enHeT GkeFIGV nraKmn_RtUvTTYlxusRtUvcMeBaH
ral;karxUcxat ebIekItman EdlbNalmkBIkareFVsRbEhsrbs;xn b:Eu n
sMNgelIkarxUcxatminRtUvelIsBIcnM nY )ak;nrUby
i aNtei LIy .
-54-
maRta 116>sIVkaredayGnraKmn_GacekItmanenAkgRKb;krNIEdlGkkan;
mansiTieFIV])aRsy enAmuneBldl;\NRbtiTanelIrUbiyaNti Edlmin
Tan;RtUv)aneFIVsIVkar .
kalebIrUbiyaNtimanbBaak;eQaHbuKl EdlRtUv)ancat;taMg
[eFIVsIVkar b[TUTat;sgR)ak; kgkrNIcaM)ac;enAkEngEdlTUTat;sgR)ak;
Gkkan;minGacGnuvtsiTieFIV])aRsyrbs;xn enAmuneBldl;\NRbtiTan
Tl;ngw buKl
EdlRtUv)ancat;taMg nightelxIbnbnab;eLIy elIkElgEt
Gkkan;)anbgaj rUby
i aNt[
i eTAbuKl
enaH nigmansMGagedayvirTu v aTGMBI
karbdesFminRBmeFVs
I kIV arrbs;bKu l
dEdlenH .
kgkrNIGnraKmn_epSgeTot Gkkan;GacbdiesFkareFIVsIVkar
edayGnraKmn_ . pyeTAvij ebIRBmTTYlyksIVkarEbbenH Gkkan;)at;
bg;siTieFIV])aRsy enAmuneBldl;\NRbtiTanTl;nwgbuKl Edl)aneFVI
sIVkarenH nightelxIbnbnab; .
maRta 117>sIkV aredayGnraKmn_ RtUveFVeI nAelIrbU iyaNti nigcuHhtelxa
edaybuKl
EdleFIGV nraKmn_ . sIkV arenHbBaak;eQaHbuKl
EdlRtUvTTYl
karTUTat;sgR)ak; ehIykgkrNIKankarbBaak;enHeT sIkV arRtUv)ancat;Tku
fa)aneFV[
I bhark .
maRta 118>GkeFIs
V kVI aredayGnraKmn_ mankarTTYlxusRtUvdUcKa nwgPaKI
TTYlGnraKmn_ cMeBaHGkkan; nigGkeFIbV di ei lxTaMgLay bnab;eRkayPaKI
Edl)anTTYlGnraKmn_enaH .
fIeV bImankareFIs
V kVI aredayGnraKmn_kI kPaKITTYlGnraKmn_ngi
PaKITaMgLay EdlBak;BnGacTamTar[Gkkan;RbKl;rUbiyaNti viruTvaT nig
-55-
TamTarbgan;dTTYlR)ak;)anebIman edIm,IbrnwgkarTUTat;sgcMnYnR)ak;dUcman
EcgkgmaRta 108 nc,ab;enH .
maRta 119>karTUTat;sgR)ak;edayGnraKmn_ GaceFV)I an enAkg ral;krNI
EdlGkkan; mansiTei FI]V )aRsycMeBaHrUby
i aNti enAeBldl;\NRbtiTan
benAmuneBldl;\NRbtiTan .
karTUTat;sgR)ak; RtUvrab;bBalnUvcMnYnR)ak;TaMgGs; EdlRtUv
TUTat;sg edayPaKITTYlGnraKmn_ .
karTUTat;sgR)ak; RtUvEt)aneFIVeLIgya:gyWtbMput enAfbnab;
BIfcugeRkay EdlGnuBaat[eFVIviruTvaT cMeBaHkarminTUTat;sgR)ak; .
maRta 120>ebIrUbiyaNtiRtUv)aneFIVsIVkaredayGnraKmn_ BIbuKlEdlmanlMenAenAkEngRtUvTUTat;sgR)ak; bebIbuKlTaMgLayEdlmanlMenAenATIenaHEdr
RtUv)ancat;taMgCaGkTMnak;TnM gkg krNIcaM)ac; Gkkan;RtUvbgajrUbiyaNti
[eTAbuKl
TaMgenH nigebIcaM)ac; RtUveFVvI irTu vaTcMeBaHkar minTUTat;sgR)ak;
ya:gyWtbMptu enAfbnab;BI fcgu eRkayEdlGnuBaat[eFVvI ri uTvaT .
ebIKanvirTu v aTenAkg ryeBlkMNt;enHeT PaKIEdl)ancat;taMg
GkTMnak;TMngkgkrNIcaM)ac;xagelI bPaKIEdlrUbiyaNtiRtUv)aneFIs
V kVI arCa
RbeyaCn_[ nigGkeFIbV di ei lxbnbnab; RtUv)anrYcputBIkarTTYlxusRtUv .
maRta 121>Gkkan;EdlbdiesFkarTUTat;sgR)ak;edayGnraKmn_ )at;bg;
siTieFIV])aRsyrbs;xn Tl;nwgbuKlTaMgLay EdlRtUv)anrYcputBIkar
TTYlxusRtUvedayGnraKmn_ .
maRta 122>karTUTat;sgR)ak;edayGnraKmn_ RtUvEt)anbBaak;yfaPaBGMBI
karTTYlR)ak;enAelIrbU y
i aNti edaymaneQaHbuKl
EdlTTYlkarTUTat;sg
-56-
R)ak;CYs . kgkrNIKanesckIb Baak;enHeT karTUTat;sgR)ak;RtUv)ancat;

Tukfa )aneFI[
V bhark .
rUbiyaNti nigviruTvaTebIman RtUvEt)anRbKl;[eTAbuKlEdl
)anTUTat;sgR)ak;edayGnraKmn_ .
maRta 123>buKl
Edl)anTUTat;sgR)ak;edayGnraKmn_ TTYl)ansiTTi aMg
Gs;nrUbiyaNti Tl;nwgPaKI Edlxn)aneFIVkarTUTat;sgR)ak;CYsnigbuKl
TaMgLayEdlmankarBak;BnCamYyPaKIcugeRkayenH eTAelIrUbiyaNti .
b:Eu nbKu l
Edl)aneFVGI nraKmn_enH minGaceFIbV idielxrUby
i aNtibneToteLIy.
GkeFIbV di ei lxbnab;BPI aKI EdlTTYlkarTUTat;sgR)ak;Cs
Y RtUv
rYcputBIkarTTYlxusRtUv edayGnraKmn_ .
kgkrNImankarRbECgKa edIm,ITUTat;sgR)ak;edayGnraKmn_
karTUTat;sgEdlmancMnYnR)ak;eRcInCageK RtUvmanGaTiPaB . buKlNa
mYyEdleFIGV nraKmn_ enAkglkNpy
BIvFi anenH edayyl;dwgBIehtukarN_c,as;las; RtUv)at;bg;siTieFIV])aRsy Tl;nwgbuKlEdlRtUv)aneFVI
[rYcputBIkarTTYlxusRtUvedayGnraKmn_ .
EpkTI 9
EpkTaMgLaynrUbiyaNtimYyc,ab;nigc,ab;cmg
maRta 124>enAeBlEdlrUbiyaNti RtUv)anecjmYyc,ab;manBIr beRcIn
EpkdUcKa EpknImy
Y RtUvcuHelx nigmanesckeI yagenAEpkepSgeTot Epk
TaMgGs;begtI )anCarUbiyaNtimy
Y c,ab; .
sVIkar nigbidielxnImYy enAelIrUbiyaNtiEdl)anecjkg
mYyc,ab; GacRtUv)ansresrenAelIEpkNamYy b:uEnRtUv)anBak;BneTA
elIrUbiyaNtiTaMgmUl ehIyminEmneTAelIEtEpkNamYydac;KaenaHeT .
sVIkar bbidielxnImYyTaMgenaH RtUv)ansresrenAelIEtEpkmYyb:ueNaH.
-57-
bharkEdlcuHhtelxaelIEpknImy
Y mankarTTYlxusRtUvenA
elIrbU y
i aNtTi aMgmUl ehIyminEmnelIEpknImy
Y enaHeT .
PaKIEdl)anepJEI pkmYyedIm,IeFVs
I kIV ar RtUvEtcgl
bgajenAelI
EpkepSgeTot nUveQaHrbs;bKu l
EdlmanEpkenaHenAkg d . buKl
enaH
RtUvEtRbKl;EpkenaH [eTAGkkan;Rsbc,ab;nEpkmYyeTot . ebIbuKl
enaHbdiesF Gkkan;GacGnuvtsTi ]i )aRsy)an luHRtaEtxn )aneFVvI ri Tu v aT
edaybBaak;GBM I
- EpkEdl)anepJIedIm,IeFVIsVIkar minRtUv)anRbKl;[xntamkar
esIsMu
- sIVIkar bkarTUTat;sgR)ak;minRtUv)aneFVIenAelIEpkepSgeTot .
maRta 125>enAeBlEdlGkkan;rUbiyaNtimYyc,ab; eFVIbidielxelIEpkBIr b
eRcIn[eTAbuKl
epSgKa
- Gkkan;RtUvTTYlxusRtUv enAelIral;EpkTaMgenaH ehIyGkeFVI
bidei lxnImy
Y bnab;BGI k kan; RtUvTTYlxusRtUvelIEpkEdl
xn )aneFVbI di ei lx dUcCarUby
i aNtdi ac;edayELkBIKa
- Gkkan;Rsbc,ab;nEpkEdlmankmsiTTi mI y
Y mansiTTi amTar
R)ak;Edlbhark)an sg[eTAbuKl
NamYybbharit Edl
min)aneFVs
I kIV arelIrbU iyaNti .
enAeBlEdlbhariteFVIsVIkareRcInCagmYyEpk ehIyEpkEdl)an
eFVIsVIkarenaH Fak;eTAkgdrbs;Gkkan;Rsbc,ab;epSgKa bharitRtUvTTYlxus
RtUvelIral;EpkTaMgenaH dUcCarUby
i aNtdi ac;edayELkBIKa .
maRta 126>enAeBlEdlGkeFVIsVIkarelIrUbiyaNti Edl)anecjmYyc,ab;
eFVIkarTUTat;sgR)ak; edayBMu)anTamTar[RbKl;mkvij nUvEpkEdlman
-58-
sVkI arrbs;xn ehIyEpkenaHenAkg drbs;Gkkan;Rsbc,ab; enAeBldl;

\NRbtiTan GkeFVIsVIkarenaH RtUvTTYlxusRtUvcMeBaHGkkan;enH .
bharknrUby
i aNtmi y
Y c,ab; RtUvrYcputBIkarTTYlxusRtUv enA
eBlEdlxn)ansgR)ak; enAelIEpkNamYyEdl)anykmkbgaj .
eRkambTb,BatiEdlmanEcgkgmaRta 125 nigmaRta 126 n
c,ab;enH enAeBlEdlEpkNamYynrUby
i aNti RtUv)anrYcbMNl
u edaykar
TUTat;sgR)ak; btamrebobepSgeTot rUby
i aNtTi aMgmUlRtUv)anrYcbMNl
u .
maRta 127>Gkkan;mansiTieFIVc,ab;cmgrUbiyaNti .
c,ab;cmgRtUvEteFI[
V )anRtwmRtUvtamc,ab;edIm CamYynwgbidei lx
nigesckIbBaak;epSgeTot EdlmanenAkgenaH . c,ab;cmgenH RtUvbBaak;
c,as;las;nUvcMnYnEdl)aneFVI .
c,ab;cmgGacRtUv)aneFIVbidielx nigeFIVrUbiybdiePaKenAkglkN
dUcKa ehIymansuBlPaBdUcKanwgc,ab;edImEdr .
maRta 128>c,ab;cmgRtUvEtbBaak;buKlEdlkan;kab;c,ab;edIm . Gkkan;
c,ab;edImRtUvTTYlxusRtUv kgkarRbKl;c,ab;edm EdlmanEcgxagelI[
eTAGkkan;Rsbc,ab;nc,ab;cmgenaH .
ebIGk kan;c,ab;edImbdiesF Gkkan;c,ab;cmgGacGnuvtsTi ei FIV
])aRsy Tl;nwgbuKl
TaMgLay Edl)aneFIVbidielxbeFIVrUbiybdiePaK
c,ab;cmg luHRtaEt)anbBaak;enAelIviruTvaTfa c,ab;edImminTan;RtUvRbKl;
mkvijtamsMeNIrbs;xnenAeLIy .
eRkayBIbidei lxcugeRkayEdleFIeV LIgmuneBleFIcV ,ab;cmg kal
ebIc,ab;edImmanbdiBaafa cab;epIm BIeBlenH bidei lxmansuBlPaBenAeBl
NaEdlbidei lxeFVeI LIg elIc,ab;cmgEtb:eu NaH btamrUbmnEdlmanny
dUcKa bidielxbnab;mkeTotenAelIc,ab;edIm RtUvcat;TukCaemaX .
-59-
EpkTI 10
karEkelIrUbiyaNti
maRta 129>kgkrNImankarEkelIxwmsarnrUbiyaNti ral;PaKIEdl)an
cuHhtelxabnab;BIkarEk RtUvCab;Bak;BneTAtamxwmsarEdl)anEk .
edImnrUbiyaNti .
EpkTI 11
maRta 130>ral;])aRsyEdlekIteLIgBIrbU y
i aNti Tl;ngw GkeFIs
V kVI arman
ryeBlbI03qaM KitBIf\NRbtiTan .
ral;])aRsyEdleFIeV LIgedayGkkan; Tl;ngw GkeFIbV di ei lxTaMg
Lay nigbhark manryeBlmYyqaM KitBIfeFVIviruTvaTRtwmRtUvtamryeBl
kMNt; bKitBIf\NRbtiTan kalebImanbdiBaafa bgVilvijedayKan
esahuy bbgVilvijedayKanviruTvaT besckIepSgNamYyEdlmanny
dUcKa .
ral;])aRsyrbs;GkeFIVbidielx Tl;nwgGkeFIVbidielxpgKa
nigbhark manryeBlR)aMmYy06Ex KitBIfEdlGkeFIVbidielx)an
TTYlyk nig)anTUTat;sgrUby
i aNti bKitBIfEdl)anTTYlrgkarbwg .
maRta 131>karkMNt;ryeBleFVI])aRsydUcmanEcgkgmaRta 130 n
c,ab;enH mansuBlPaBeTAelIEtbuKlNamYy EdlryeBlenaHRtUv)an
kMNt;b:ueNaH .
EpkTI 12
karKNnaryeBlkMNt;
-60-
maRta 132>rUbiyaNtiEdldl;ryeBlkMNt;TUTat;sgR)ak; enAfQb;

sRmakpvkar nwgRtUvTUTat;sgenAfeFIVkarbnab; . ral;skmPaBEdl
Tak;TgeTAnwgrUbiyaNti CaBiesskarbgaj[eFIVsIVkar nigviruTvaTGacRtUv
eFIVeLIg)an EtkgfeFIVkarb:ueNaH .
kalebIskmPaBTaMgenH RtUvEt)aneFIeV nAkg ryeBlkMNt;my
Y
Edlfcgu eRkayCaf Qb;sRmakpv karryeBlkMNt;enaH RtUv)anBnar
rhUtdl;feFIkV arTImy
Y bnab; . fQb;sRmakRtUv)an rab;bBal
kg kar
KNnaryeBlkMNt;TaMgenaHEdr .
maRta 133>ryeBlkMNt;TaMgLayEdlEcgkg CMBkU enH nwgminrab;bBal
CamYypgeTnUvfEdlryeBlenaHcab;epmI .
maRta 134>eTaHbItampv c,ab;kbI tampvtulakarkI BMuGnuBaat[manryeBl
GnueRKaHeLIy .
CMBUkTI 4
bNsgtambBaa
EpkTI 1
karecjpSaynigTRmg;nbNsgtambBaa
maRta 135>bNsgtambBaa CakarsnalaylkN_GkSreday\tlkxN
EdleFVIeLIgnigcuHhtelxa edaybuKlCaGkecjbNEdlsnasgcMnYn
R)ak;CakMNt;mYy [eTAbtambBaabuKlmYyeTot bGkkan; . bNsg
tambBaaRtUvEt)anTUTat;sgR)ak; enAeBldl;\NRbtiTan ehIyRsbtam
ral;katBVkic EdlmanEcgenAkgCMBUkenH.
-61-
maRta 136>bNsgtambBaaCa]bkrN_\NTan . bNsgtambBaa

GacRtUv)ansresrCaGkSrExr bGkSrbreTs ehIyRtUvEtmannieTsTaMgLay
dUcxageRkam
- Bakfa bNs
gtambBaa EdlcarwkCaPasaNamYyeRbIkg kar
ecjbN
- karsnaTUTat;sgeday\tlkxNnUvcMnYn)ak;CakMNt;mYy
- ryeBlkMNt;RtUvTUTat;sgR)ak;
- eQaHrbs;buKl EdlTTYlkarTUTat;sgR)ak; beQaHrbs;bKu l
EdlmanbBaa[TUTat;sgR)ak;
- kalbriecT nigkEngEdlbNsgtambBaaenaHRtUv)anecjpSay
- htelxarbs;GkecjbN EdlCabuKleFVIkarsnaelIbN
sgtambBaa .
maRta 137>]bkrN_EdlxVHnieTsNamYy dUcmanEcgenAkg maRta 136
nc,ab;enHBMmu ansuBlPaB CabNs
gtambBaaeLIy elIkElgEtkg krNI
TaMgLay EdlbBaak;enAkg kfaxNdcU xageRkam
1- bNsgtambBaa Edlmin)anbBaak;ryeBlkMNt;TTU at;
sgR)ak; RtUv)ancat;Tku faRtUvTUTat;sgR)ak;enAeBlbgaj .
rbs;GkecjbN RtUv)ancat;Tukfa CakEngRtUvTUTat;sgR)ak; nigCa
lMenArbs;GkecjbNpgEdr .
3- bNsgtambBaa Edlmin)anbBaak;kEngnkarecjpSay
RtUv)ancat;Tku faecjenAkEngEdlbBaak;enAEk,reQaHrbs;GkecjbN .
-62-
4- bNsgtambBaa GacRtUvecjedIm,ITUTat;sgR)ak;eTAGk
kan; . bNs
gtambBaaEdlKaneQaHbuKl
EdlTTYlkarTUTat;sgR)ak;
beQaHbuKl
EdlmanbBaa[TUTat;sgR)ak; RtUv)ancat;Tku faCabNs
g
tambBaaTUTat;sgR)ak;[eTAGkkan; .
maRta 138>bNsgtambBaaGacRtUv)anTUTat;sgR)ak; enAkEngeRkABI
lMenArbs;Gk ecjbN rYmTaMgenAlMenArbs;ttiybuKl
enAlMenArbs;Gk
ecjbN benAkEngepSgeTot .
maRta 139>cMeBaHRbePTbNsgtambBaa EdlRtUvTUTat;sgR)ak;enAeBl
bgaj bRtUvTUTat;sgR)ak; enAkg ryeBlkMNt;my
Y eRkaykarbgaj Gk
ecjbNGacEcglkxNfa cMnYnR)ak;TUTat;sgRtUvmankarR)ak; . kg
krNInbNs
gtambBaaepSgBIxagelIbdiBaaenH minRtUvcat;Tku Ca)ankareLIy.
GRtakarR)ak;RtUvEt)anbBaak;;enAelIbNsgtambBaa . ebIKan
esckIbBaak;enHeT bdiBaaxagelIenHminRtUvcat;TukCa)ankareLIy.
karR)ak; RtUv)anKNnacab;BkI albriecTecjbNs
gtambBaa
elIkElgEtmankarbBaak;BIkalbriecTepSgeTot .
maRta 140>kgkrNIEdlcMnYnR)ak;RtUvTUTat;sgedaybNsgtambBaa
RtUv)ansresrCatYGkSrpg nigCatYelxpg ehIykalebImanlMeGogKa
cMnYnR)ak;CatYGkSrCacMnYnEdlRtUvykCa)ankar .
kgkrNIEdlcMnYnR)ak;RtUvTUTat;sgedaybNsgtambBaa
RtUv)ansresreRcIndg CatYGkSr bCatYelx nigkalebImancMnYnlMeGog
Ka cMnYnR)ak;EdltUcCag CacMnYnRtUvykCa)ankar .
maRta 141>-63-
ral;katBVkci nbuKldTeTot Edl)ancuHhtelxaelIbN

sgtambBaa enAEtmantmdEdl eTaHbIbN
s
gtambBaaenaH manhtelxarbs;buKlGsmtPaB bhtelxaEkgbnM bhtelxarbs;buKl
tamkarRbDit bhtelxaEdltamehtuplepSgeTot minGaceFVI[buKl
Edl)ancuHhtelxa b)ancuHhtelxaCMnYs mankarTTYlxusRtUv .
maRta 142>buKl
NaEdl)ancuHhtelxa enAelIbN
s
gtambBaakg nam
buKl
mYyeTot Edlxn KansiTitMNag[Tal;EtesaH RtUvmankarBak;Bn
pal;CaPaKImy
Y elIbN
s
gtambBaaenaH ehIyebIxn )anTUTat;sgR)ak; RtUv
mansiTdi cU KanwgbuKl
Edlxn )anTTYlra:br; gCYs[ . viFandUcKaenH k
GnuvteTAelIGaNtCi n Edl)anGnuvths
Y siTri bs;xn pgEdr .
maRta 143>ebIbNsgtambBaamanlkNmineBjelj enAeBlecj
pSay ehIyRtUv)aneFVI[eBjlkNtamEbbepSgxusBIkarRBmeRBogEdl
Bak;Bn karmineKarBtamkarRBmeRBogenH minGacykCamUlehtubwgGk
kan;)aneLIy elIkElgEtGkkan;enH )anTTYlbNs
gtambBaamkeday
Tucr ti bmankMhusedaykareFVsRbEhsFn;Fr .
EpkTI 2
bidielxbNsgtambBaa
maRta 144>bNsgtambBaa Edlecj[TUTat;sg cMeBaHbuKlNamYy
c,as;las;edayman bKanbBaak;Bakfa sgtambBaa GacRtUv)anepr
edaybidielx .
enAeBlEdlGkecjbN )anbBalkgbNsgtambBaa Edl
ecjedIm,ITUTat;sgR)ak; cMeBaHbuKlNamYyc,as;las;nUvBak minsg
-64-
tambBaa bBakEdlmannydUcKa bNsgtambBaaenaHGacRtUv)anepr

RsbtamTRmg;nigmansuBlPaB CakareprCaFmtaEtb:ueNaH .
bNs
gtambBaaGacRtUv)aneFVbI di ei lx eTaHbI[eTAGkecjbN
kI b[eTAPaKINamYyepSgeTotnbNsgtambBaaenaHkI . buKlTaMg
enHGac eFVIbidielxbNsgtambBaaenaHbneTot)an .
]bkrN_ EdlmanTRmg;CabNs
gtambBaa EdlGacTUTat;sg
)antambBaaGkecjbN minEmnCabNsgtambBaaeRkamCMBUkenHeLIy
elIkElgEtbNenH RtUv)aneFVIbidielxedayGkecjbN.
maRta 145>bidei lxRtUvEt)aneFIeV LIgeday\tlkx N
. lkx N
N
amYy
EdlRtUv)andak;ecjCakmvt cMeBaHkareFVIbidielxbNsgtambBaa min
RtUvykCa)ankareLIy .
bidielxelImYyEpkncMnYnR)ak;kgbNsgtambBaa RtUvcat;
TukCaemaX .
maRta 146>bidei lxRtUvEt)aneFVCI alaylkNG_ kSr enAelIxg bNs
gtam
bBaa benAelIRkdasbiTPab;bEnmehAfa GnubR t ehIyRtUvEt)ancuHhtelxaedayGkeFVIbiduielx .
bidei lx GacminbBaak;BGI tKahk bGacmanEthtelxarbs;
maRta 147>bidielxeprsiTiTaMgGs;nbNsgtambBaa[eTAGkkan; .
- bMeBjkEngcMh bedayeQaHrbs;xnpal; bedayeQaH
rbs;buKldTeTot
-65-
- eFVbI di ei lxbnbN
s
gtambBaaCacMh b[buKl
dTeTot
- eprbNsgtambBaa[eTAttiybuKl edaymincaM)ac;
bMeBjkEngcMh nigmincaM)ac;eFVIbidielx .
maRta 148>ebIKanbdiBaapyeT GkeFVIbidielxRtUvTTYlxusRtUvelIkarTUTat;
sgR)ak; .
GkeFVIbidielxGachamXat; kareFVIbidielxNamYybneTot
ehIykg krNIenH buKl
Edl)anhamXat; minTTYlxusRtUvTUTat;sgR)ak;
eTAbuKlTaMgLayNa EdlbNsgtambBaaRtUv)aneFVIbidielxbn[eTA
enaHeLIy .
bidielxelIbNsgtambBaacMeBaHGkkan; naM[GkeFVIbidielx
mankarTTYlxusRtUvRsbtambTb,Bats
i BI s
I Ti ei FV]I )aRsy b:Eu nbN
s
gtam
bBaaenaHminGacERbkayeTACabNs
gtambBaa edIm,IsgtambBaaeLIy .
maRta 149>mas;bNsgtambBaaEdlGaceFVIbidielx)an CaGkkan;Rsb
c,ab; ebIbuKlenH)ankayCamas;bNsgtambBaa tamrykareFVIbidielx
Cabnbnab; eTaHbIbidielxcugeRkayCabidielxcMhkeday . kgkrNIenH
bidielx EdllubecalminRtUvykCa)ankareLIy . kalebIbidielxcMh
RtUv)anbnedaybidei lxmYyeTot buKl
EdlcuHhtelxaeFVbI di ei lxcugeRkay
enH RtUv)ancat;Tku fa)anTTYlbNs
gtambBaa tamrybidei lxcMh .
enAeBlEdlbuKlNamYy )an)at;bg;siTikan;kab;bNsg
tambBaa edaymUlehtuNakeday eTaHbICabNsgtambBaaecj[eTA
Gkkan;kIbGaceFVIbidielx)ankI EdlGkkan;mansiTiCamas; dUcmanEcg
enAkg kfaxNxagelInmaRtaenH Gkkan;EdlTTYl)anbNs
gtambBaa
mkCakmsiTi minRtUv)anbg[e)aHbg;ecalbNsgtambBaaeLIy elIk
-66-
ElgEt bNs
gtambBaaenaH)anmkedayTucr ti bedaymankMhs
u BIkar
eFVsRbEhsFn;Fr .
maRta 150>buKl
TaMgLayEdlbgw GMBbI Ns
gtambBaa minGacbwgGkkan;
edaysMGagelITMnak;TMngpal;xnCamYyGkecjbN bCamYyGkkan;mun
)aneLIy elIkElgEtkgkarTTYlbNsgtambBaa Gkkan;)andwgc,as;
fanwgnaM[xUcRbeyaCn_dl;kUnbMNul .
kfaxNxagelInmaRtaenH minGnuvtcMeBaHbNsgtambBaa
EdlecjedIm,ITUTat;sgeTAbuKlNamYyc,as;las; EdlkgenaHmanBak
fa minsgtambBaa bRbeyaKNamYyEdlmannydUcKa .
maRta 151>kalebIbidielxmanBakfa tmsRmab;TarbMNul bsRmab;
ebLanicy btamkarRbKl;siTi bRbeyaKNamYyepSgeTot EdlbBaak;
BIkarRbKl;siTisamBa Gkkan;GacGnuvtsiTiTaMgGs;nbNsgtambBaa
b:uEnGkkan;enH GaceFVIbidielxbnkgnamCaPak;garEtb:ueNaH .
kg krNIenH PaKIBak;Bn T aMgLayGacbgw Gkkan;)an ehIyGk
kan;enH kGacbwgGkeFVIbidielx)anpgEdr .
ehtuplnmrNPaBrbs;PaKI Edl)anplk; arRbKl;sTi i bedayehtupl
EdlbuKlenH)ankayCaGsmtPaBnItanukUleLIy .
enAeBlEdlbNs
gtambBaa RtUv)anbgaj[FnaKareFVeI bLanicy
bNs
gtambBaaenaH CabBaaTUTat;EdlRKb;RKgedayCMBkU TI 5 sI
BIRbtibtki arTUTat;sgR)ak;nc,ab;enH . kg krNImni mansgtPaBGMBbI N

sgtambBaarvagbTb,BatinCMBkU enH nigCMBkU TI 5 nc,ab;enH bTb,Bati
nCMBUkenH RtUvykCa)ankar .
maRta 152>-67-
kalebIbdi ei lxmYymanesckIb Baak;fa tmsRmab;Fana btm

sRmab;dak;bBaaM besckIbBaak;NaepSgeTot EdlmannyfasRmab;dak;
bBaaM Gkkan;GacGnuvtsiTiTaMgGs;nbNsgtambBaaenaH b:uEnbidielx
Edlxn )aneFIVeLIg manRbsiTPaBRtwmEtCabidei lx edayPak;garEtb:ueNaH.
bNaPaKIEdlBak;BnminGacbwgGkkan;)an edaysMGagelI
TMnak;TMngpal;rbs;xnCamYyGkeFIVbidielxeLIy elIkElgEtkgkar
TTYlbNsgtambBaa Gkkan;)andwgc,as;fa nwgnaM[xUcRbeyaCn_
dl;kUnbMNul .
maRta 153>bidielxEdleFVIeLIg eRkayBIkareFVIviruTvaT beRkayBIkareFVI
RbtievTn_EdlsmmUlKa beRkayBIputryeBlkMNt;sRmab;bgaj[TUTat;
sgR)ak; Gacnwg
- minGnuvtkgkarpl;siTieRkammaRta 149 nigmaRta 150
nc,ab;enH .
ebIKanPstagpyeT bidielxEdlKancuHkalbriecT RtUvcat;
Tukfa)aneFVIenAelIbN
s
gtambBaa muneFVvI irTu v aT bRbtievTn_EdlsmmUl
Ka bmunputryeBlkMNt; Edl)aneyagkgkfaxNTI1 nmaRta153enH.
EpkTI 3
karTTYlxusRtUvrbs;GkecjbNsgtambBaa
maRta 154>kg karecjbNs
gtambBaa GkecjbN snaTUTat;sgR)ak;
enAeBldl;\NRbtiTan .
ebImin)anTUTat;sgR)ak; Gkkan;GaceFVI])aRsyedaypal;elI
bNsgtambBaa Tl;nwgGkecjbN edIm,ITamTarnUvGVIEdlGaceFVI)an
RsbtammaRta 175 nigmaRta 176 nc,ab;enH .
-68-
maRta 155>bNs
gtambBaaEdlRtUvTUTat;sgR)ak; enAkg ryeBlkMNt;
mYyeRkaykarbgaj RtUvEt)anbgaj[eFIVTidakarenAkgryeBlmYyqaM
KitBIkalbriecTecjbN .
GkecjbNGacbRgYj bBnarryeBlkMNt;enH)an .
ryeBlkMNt;TaMgenH kGacRtUv)anbRgYjedayGkeFIVbdi ei lx
TaMgLaypgEdr .
maRta 156>TidakarRtUv)ansresrenAelIbNsgtambBaa edayeRbIBak
fa )aneFITV idakar bBakepSgeTotEdlmanny
dUcKa ehIyRtUvcuHhtelxa
edayGkecjbN .
TidakarRtUvEt)ancuHkalbriecTenAfEdl)aneFIV elIkElgEt
Gkkan;TamTarfa fenaHCafEdlbgaj[TUTat;sgR)ak; . ebITidakar
enaHKancuHkalbriecTeT Gkkan; edIm,IrkSasiTi])aRsyrbs;xn Tl;nwg
GkeFIVbidielxnigGkecjbN RtUveFIV[Rsbc,ab;cMeBaHkMhusePcPaMgenaH
edayviruTvaTEdleFVIeLIgenAkgeBlevlasmRsb .
ryeBlkMNt;eRkaykarbgaj EdlbNsgtambBaaRtUv
TUTat;sgR)ak; RtUvKitBIfeFVITidakarEdl)ancuHhtelxa edayGkecj
bNenAelIbNsgtambBaa . karbdiesFrbs;GkecjbN kgkar
pl;TidakaredaymancuHkalbriecT RtUvEtbBaak;edaykareFVI viruTvaT
EdlCakalbriecTkMNt;fcab;epImnryeBlkMNt; bnab;BIf bgaj
[TUTat;sgR)ak; .
EpkTI 4
rUbiybdiePaKbNsgtambBaa
maRta 157>-69-
karTUTat;sgbNsgtambBaa GacRtUv)anFanaedayrUbiybdePaK enAelIcMnYnR)ak;TaMgGs; bmYyEpknbNsgtambBaa .

karFanaenHGacRtUv)anpl;edayttiybuKl bedaybuKlNa
mYy Edl)ancuHhtelxaelIbNsgtambBaa .
maRta 158>rUbiybdePaKGacRtUv)aneFIVeLIg enAelIbNsgtambBaapal;
benAelIGnubRt .
rUbiybdePaKRtUv)anbBaak;edayBakfa yl;RBmeFVIrUbiybdePaK bedayrUbmnNamYyepSgeTot EdlmannydUcKanigRtUvEtcuHhtelxa edayGkpl;rUbiybdePaKehAfarUbiybdePaKI .
ral;htelxaEdl)ancuHenAxagmuxbNsgtambBaa eRkABI
htelxarbs;Gk ecjbN RtUv)ancat;Tku fa CahtelxaeFIrV bU y
i bdiePaK.
rUbiybdePaKRtUvEtbBaak;[)anc,as;las;nUvbuKlNamYy
EdlCabuKlTTYlplBIrUbiybdePaKenaH . ebIKanesckIbBaak;enHeT
rUbiybdePaKRtUv)ancat;Tukfa eFVI[GkecjbN .
maRta 159>rUby
i bdePaKImankatBVkci d cU buKl
Edl)anTTYlkarFanaEdr.
karcuHhtelxaFanaenAEtmantm eTaHbIkatBVkicEdl)an
FanaenaH minRtUv)anGnuvttam edaysarehtuplepSg eRkABIvikarxag
TRmg;keday .
enAeBl)anTUTat;sgbNsgtambBaa rUbiybdiePaKImansiTi
TaMgLaynbNsgtambBaaenH Tl;nwgbuKlEdlRtUv)anFana nigbuKl
EdlBak;BnCamYybuKlEdlRtUv)anFanaenaH enAelIbNsgtambBaa .
EpkTI 5
\NRbtiTanbNsgtambBaa
maRta 160>-70-
bNsgtambBaa GacRtUv)anecjedIm,I
- TUTat;sgR)ak;enAeBlbgaj
- TUTat;sgR)ak;enAkg ryeBlkMNt;my
Y eRkaykarbgaj
- TUTat;sgR)ak;enAkgryeBlkMNt;mYy eRkaykalbriecT
ecjbN
- TUTat;sgR)ak;enAkalbriecTmYyCakMNt; .
bNs
gtambBaa GacRtUv)anecj edIm,I[TUTat;sgR)ak; Ca
eRcIndNak;kal EdldNak;kalnImYy RtUveFIVenAkalbriecTmYyCa
kMNt; edaymanlkxNfa kgkrNIxkxanTUTat;sgR)ak;enAdNak;
kalNamYy cMnYnR)ak;EdlenAsl;RtUvdl;kalkMNt;sgTaMgRsug .
bNsgtambBaaTaMgLay Edlman\NRbtiTanepSgBIenH
RtUv)ancat;TukCaemaX .
maRta 161>bNs
gtambBaaTUTat;sgR)ak;enAeBlbgaj RtUvEt)anTUTat;
sgR)ak;enAeBlbgaj ehIyRtUvEt)anbgajenAeBlNamYy kg ryeBl
mYy01qaM Kitcab;BIkalbriecTecjpSay . GkecjbNGacbRgYj
bBnarryeBlenH)an . ryeBlkMNt;enHkGacRtUv)anbRgYjeday
GkeFIVbidielx pgEdr.
GkecjbNGacbBaak;fa bNsgtambBaaEdlGac TUTat;
sg R)ak;enAeBlbgaj minRtUv)anbgaj[TUTat;sgR)ak;enA munf
kMNt;eLIy. kgkrNIenH ryeBlkMNt;sRmab;bgajRtUvcab; epImBIf
kMNt;enaH .
maRta 162>\NRbtiTannbNs
gtambBaaTUTat;sgR)ak; enAkg ryeBl
kMNt;mYyeRkaykarbgaj RtUv)ankMNt;edaykalbriecTeFVITidakar b
kalbriecTeFIVviruTvaT .
-71-
ebIKanvirTu v aTeT Tida karEdlBM)u ancuHkalbriecT edayGkecj

bN RtUv)ancat;Tku fa )aneFIeV nAfcgu eRkaynryeBlkMNt;bgaj[eFVI
Tidakar .
maRta 163>enAeBlEdlbNsgtambBaaRtUv)anecj edIm,I[TUTat;sg
R)ak;kgryeBlmYyEx beRcInExeRkaykalbriecTnkarecjbN b
eRkaykarbgaj bNsgtambBaaman\NRbtiTan enAkalbriecTEdl
RtUvKaenAkgExEdlRtUvTUTat;sgR)ak; . ebIKankalbriecTRtUvKaeT bN
sgtambBaaman\NRbtiTan enAfcugeRkaynExenaH .
kalebIbNsgtambBaa RtUv)anecjedIm,I[TUTat;sgR)ak;
kg ryeBlmYyExknH beRcInExknH eRkaykalbriecTnkarecjbN b
eRkaykarbgaj ryeBleBjeljnExTaMgenaH RtUvEt)anykmkKit
Camun .
ebI\NRbtiTanRtUv)ankMNt;enAedImEx Bak;kNalEx benA
dNac;Ex RtUvykfTImYy fTIdb;R)aM bfdac;ExmkKit .
Bakfa R)aMbIf bdb;R)aMf minmannyfamYys)ah_ bBIr
s)ah_eT KWCaryeBlR)aMbIf bdb;R)aMfBitR)akd .
Bakfa knHEx mannyfadb;R)aMf .
maRta 164>kalebIbNsgtambBaa RtUvTUTat;sgR)ak;enAfkMNt;mYy
benAryeBlkMNt;mYy bnab;BIfkMNt; enAkEngEdlmanRbtiTinxusBI
RbtiTinnkEngecjpSay elIkElgEtmanbdiBaaenAkgbNsgtambBaa
bmanlkxN
s
amBa EdlbNs
gtambBaacgl
bgaj GMBIbMNgkg kar
eRCIserIsykviFanepSgBIenH f\NRbtiTanRtUv)ankMNt;eTAtamRbtiTin
nkEngTUTat;sgR)ak; .
EpkTI 6
-72-
karTUTat;sgR)ak;
maRta 165>Gkkan;bNs
gtambBaa EdlRtUvTUTat;sgR)ak;enAkalbriecT
mYyCakMNt; benAkg eBlkMNt;my
Y eRkaykalbriecTecjbN beRkay
karbgaj RtUvbgajenAfTUTat;sgR)ak; benAfNamYy rvagBIr02f
eFIVkarbnab; .
karbgajbNsgtambBaa tamrysPapat;Tat; btamry
RbBneGLicRtUnik dUcEdlmanEcgenAkgkicRBmeRBog bbTbBaa Edl
ecjedayFnaKarCatinkm<Ca KWCakarbgaj[TUTat;sgR)ak;Capvkar .
maRta 166>GkecjbNEdlTUTat;sgbNsgtambBaa GactRmUv[RbKl;
bNsgtambBaaenaH[xn eRkayBImanbBaak;karTTYlR)ak;BIGkkan; .
Gkkan;GacminbdiesFkarTUTat;R)ak;mYyEpk ncMnYnR)ak;bN
sgtambBaa .
kg krNImankarTUTat;sgR)ak;my
Y EpkncMnnY R)ak; GkecjbN
GacTamTar[bBaak;karsgR)ak;mYyEpkenaH enAelIbNs
gtambBaa nig
TamTarbgan;dTTYlR)ak;pgEdr .
maRta 167>enAeBlEdlbNsgtambBaa minRtUv)anbgaj[TUTat;sg
R)ak; enAkg ryeBlEdlkMNt;edaymaRta165nc,ab;enH kUnbMNl
u RtUv
)anGnuBaat[tml;cMnYn)ak;enaH enAGaCJaFrmansmtkic tamkarkMNt;
rbs;FnaKarCatinkm<C a eRkamkarTTYlxusRtUv nighaniPy
rbs;Gk kan;.
maRta 168>Gkkan;bNsgtambBaaminGacRtUv)anbgM[TTYlykkar
TUTat;sg)ak; enAmuneBldl;\NRbtiTaneLIy .
-73-
GkecjbNEdlTUTat;sgR)ak; enAmuneBldl;\NRbtiTan
RtUvTTYlrghaniPyedayxngpal; .
GkecjbNE dlTUTat;sgR)ak; enAeBldl;\NRbtiTan RtUv
)anrYcputya:gRtwmRtUvBIkatBVkicrbs;xn elIkElgEtmankMhusnkarEkg
bnM bnkareFVsRbEhsFn;Fr . GkecjbNRtUvTTYlxusRtUvepgpat;
RbRktIPaBnlMdab;bdi ei lx b:uEnmni epgpat;htelxaGkeFVIbdi ielxeLIy.
maRta 169>enAeBlEdlbNs
gtambBaa RtUv)aneFVCI arUby
i bN Edlmin
EmnCarbs;kEngRtUvTUTat;sgR)ak; cMnnY R)ak;GacRtUvTUTat;sgCarUby
i bN
nRbeTsCakEngTUTat;sgR)ak; eTAtamGRtabrR)ak;enAf\NRbtiTan .
ebIkarTUTat;sgR)ak;mni RtUv)aneFVeI nAeBlbgaj Gkkan;Gacess
I [
uM karTUTat;
sgcMnnY R)ak; enAelIbN
s
gtambBaaenaH eFVeI LIgCarUby
i bNr bs;RbeTs
CakEngTUTat;sgR)ak; eTAtamGRtabrR)ak; enAf\NRbtiTan benAf
EdlTUTat;sgR)ak; tamkareRCIserIsrbs;xn .
ral;kareRbIR)as;kEngTUTat;sgR)ak; nwgRtUv)anGnuvtsRmab;
kMNt;tmrUbiybN . b:uEn GkecjbNGacEcglkxNfa cMnYnR)ak;
EdlTUTat;sg nwgRtUvKNnaeTAtamGRtabrR)ak; EdlbBaak;enAelIbN
sgtambBaa .
viFanTaMgLayxagelIenH minRtUv)anGnuvt cMeBaHbNsgtambBaa
- EdleFVCI arUbiybNEdlmankarTTYlyk enARBHraCaNa
cRkkm<Ca
- Edlkg enaH GkecjbN) anbBaak;fa karTUTat;sgR)ak;
RtUvEteFVIeLIg CarUbiybNNamYyc,as;las; . kg
krNIxagelIenH bNsgtambBaanwgRtUvTUTat;sg Ca
rUbiybNEdl)anbBaak; .
-74-
ebIcMnYnR)ak;nbNsgtambBaa RtUv)anbBaak;CarUbiybN
EdlmannamcarwkdUcKa b:Eu nmantmxs
u Ka rvagRbeTsTUTat;sgR)ak; nig
RbeTsecjpSay bRbeTsNamYyepSgeTot elIkElgEtmankarkMNt;
epSgBIenH cMnYnR)ak;kgbNsgtambBaaRtUvcat;Tukfa )anTUTat;sgCa
rUbiybNnRbeTsTUTat;sgR)ak; . enAeBlNaEdlrUbiybNnRbeTs
TUTat;sgR)ak; minmannamcarwkdUcKa karTUTat;sgR)ak;RtUv)aneFVIeLIgCa
rUbiybNEdlRtUv)aneRbIR)as;y:agTUlMTUlayenAkEngTUTat;sgR)ak; .
enAeBlEdlbNs
gtambBaa RtUv)anTUTat;sgR)ak;enAFnaKar
karcglbgajKNnIEdlRtUvcuH\NBntamcMnYnR)ak;RtUvTUTat;sg RtUv
)ancat;TukCakarGnuBaat[TUTat;sgCarUbiybNnKNnI .
EpkTI 7
])aRsycMeBaHkarminTUTat;sgR)ak;
maRta 170>Gkkan;bNsgtambBaa GacGnuvtsiTieFIV])aRsyrbs;xn
Tl;nwgGkeFIVbidielxTaMgLay GkecjbN nigPaKIBak;BndTeTot
- enAeBldl;\NRbtiTan ebIkarTUTat;sgR)ak;minRtUv)aneFIV
- enAmuneBldl;\NRbtiTan kg krNIFnkSyrbs;Gk ecjbN
bkgkrNIGkecjbN bBab;min[TUTat;sgR)ak; eTaHbIKan
esckIseRmcBItulakarkI benAeBlNaEdlkarGnuvtrwbGUs
RTBsm,tirbs;GkecjbNBMu)anseRmckI .
maRta 171>karxkxanmin)anTUTat;sgR)ak; RtUvEt)anbgajPst ageday
viruTvaTtamc,ab; .
viruTvaTcMeBaHkarminTUTat;sgbNsgtambBaa EdlRtUvTUTat;
sgR)ak;enAkalbriecTmYyCakMNt; benAkgryeBlkMNt;mYy eRkay
-75-
kalbriecTnkarecjbNbeRkaykarbgaj RtUvEt)aneFVIenAfNamYy
kgrvagBIr02feFIVkar bnab;BIfEdlbNsgtambBaaenaH RtUvTUTat;
sgR)ak; . enAkgkrNInbNsgtambBaa EdlRtUvTUTat;sgR)ak;enA
eBlbgaj viruTvaTRtUvEt)aneFVIenAkgryeBlkMNt; sRmab;bgaj[
TUTat;sgR)ak; . viruTvaTcMeBaHkarbdiesFminpl;Tidakar GaceFVI)an
edaymin)ac;bgaj[TUTat;sgR)ak; ehIyRtUvEteFVIenAkgryeBlkMNt;
sRmab;bgaj[TUTat;sgR)ak; .
ebIGk ecjbN bBab;mni [TUTat;sgR)ak; bebIkarGnuvtrwbGUs
RTBsm,tmi ni )anseRmc Gkkan;GacGnuvtsTi ei FI]V )aRsy)an EtenAeRkay
karbgajbNs
gtambBaa[eTAGkecjbN eFIkV arTUTat;sgR)ak; nigenA
eRkayeBlEdlviruTvaTRtUv)aneFVI .
ebIGkecjbNRtUv)anRbkasfaFnkSy karbgajsalRkm
bsaldIkarbs;tulakar EdlRbkasBIFnkSyenaH mantmRKb;RKan;[
Gkkan; GacGnuvtsiTieFIV])aRsy)an .
viruTvaT RtUvEt)ancuHhtelxaedaymnI EdlTTYlsiTiRsb
c,ab; [bBaak;yfaPaBnksar . drabNaBMTu an;manmnEI dl)anTTYl
siTiRsbc,ab;enaHeT mnIenaHRtUvEt)anEtgtaMgedayFnaKarCatinkm<Ca.
virTu v aTRtUvmanc,ab;ftcmg bc,ab;edmnbNs
gtambBaaPab;CamYy nig
RtUvbBaak;c,as;las;eQaHbuKl
EdleFVvI ri Tu v aT kEngnigkalbriecT mUlehtunviruTvaT sMNUmBrEdlelIkeLIg nigcemIyEdlpl;mkvijebIman
bGMBIkarEdlrkmineXIjGkecjbN . viruTvaTRtUv)aneFIVeLIgenAkEng
nkarbdiesFminTUTat;sg benAkEngepSgeTot kgRBHraCaNacRkkm<Ca
EdlsitkgcmayminelIsBIdb;10 KILEm:Rt BIkEngnkarbgaj nig
nkarbdiesFminTUTat;sgR)ak; .
-76-
viruTvaTGacRtUv)aneFVIeLIg edayRbtievTn_CalaylkN_GkSr
nigmancuHhtelxarbs;GkecjbN bBaak;c,as;GMBBI tm anTaMgLay dUc
Edl)ankMNt;enAkgkfaxNTI5nmaRtaenH .
maRta 172>Gkkan;RtUvCUndNwgBIkarminTUTat;sgR)ak; eTAGkeFVIbidielx
rbs;xn nigrUby
i bdiePaKINamYynGkecjbN enAkg ryeBlbYn 04
feFVIkarbnab;BIfeFVIviruTvaT benAfbgaj[TUTat;sgR)ak; kgkrNIEdl
manbdiBaafa bgVilvijedayKanesahuy bbgVilvijedayKanviruTvaT b
esckIepSgNamYyEdlmannydUcKa . enAkgryeBlBIr02feFVIkar
bnab;BIf)anTTYlesckICUndNwg GkeFVIbidielxnImYyRtUvCUndNwgdl;
GkeFVIbidielxrbs;xn GMBIesckICUndMNwgEdl)anTTYl edaybBaak;BI
eQaH nigGasydanrbs;GkeFVbI di ielx Edl)anple; sckICnU dNgw mun
CalMdab;lMedayrhUtdl;GkecjbN)anTTYl . ryeBlkMNt;Edl
bBaak;xagelI RtUvKitBIfTTYl)anesckICUndMNwgmun .
esckICUndNwgRtUv)anpl;eTA buKlEdl)ancuHhtelxaelIbNsgtam
bBaa esckICUndMNwgdUcKaenHkRtUv)anpl;eTArUbiybdiePaKI enAkgeBl
kMNt;dUcKa .
kalebIGkeFVbI di ielx min)anbBaak;c,as;nvU Gasydanrbs;xn
bk) anbBaak;edayminc,as; esckCI nU dMNgw Edl)anple; TAGkeFVbI di ei lx
buKlEdlRtUvpl;esckICUndMNwg GaceFVIesckICUndMNwgtam
rUbPaBNamYyk)an eTaHbIRtwmEtbBanbNsgtambBaaRtLb;vij keday.
buKlEdlRtUvpl;esckICUndNwgRtUvbgajPstagfa xn)an
CUndNwgkgryeBlkMNt; . ryeBlkMNt;enH nwgRtUv)ancat;Tukfa
-77-
)aneKarBtam ebIlixitCUndMNwgRtUv)anepJItamRbsNIy_ kgryeBl

kMNt;enaH .
buKlEdlmin)anpl;esckICUndMNwg kgryeBlkMNt;xag
elIenH RtUvTTYlxusRtUvcMeBaHkarxUcxatEdlekIteLIg edaykareFVsRbEhs
rbs;xn ebIman b:Eu ncnM nY R)ak;EdlTTYlxusRtUv minRtUvelIsBIcMnnY R)ak;n
bNsgtambBaaeLIy .
i vijedayKanesahy
u bbgVl
i vijeday
KanvirTu v aT besckeI pSgNamYyEdlmannydUcKa ehIyEdl)ansresr
nigmancuHhtelxa enAelIbNsgtambBaa GkeFVIbidielx brbU iybdiePaKI
Gac[Gkkan;mincaM)ac;eFVIviruTvaT edIm,IGnuvtsiTieFVI])aRsy .
bdiBaaenHminGac[Gkkan;rcY put BIkarbgajbNs
gtambBaa
enAkgryeBlkMNt; bBkI artRmUv[manral;esckCI nU dMNgw eLIy . esahy
u EdlekIteLIg BIkarbgajPst agnkarmineKarB tamryeBlkMNt;
edayGkkan; RtUvFak;eTAelIbuKlEdl)anbwgTl;nwgGkkan; .
bdiBaaEdlRtUv)ansresredayGkeFVIbidielx brUbiybdiePaKI
RtUvGnuvt)ancMeBaHGkeFVIbidielx brUbiybdiePaKIEtb:ueNaH . eTaHbICa
man bKanbdiBaakI ebIGkkan;eFVIviruTvaT esahuynkareFVIviruTvaTGacRtUv
)anTarBIbuKlTaMgLay Edl)ancuHhtelxaelIbNsgtambBaa .
maRta 174>GkecjbN GkeFIVbidielxbbuKlFana edaykareFVIrUbiybdiePaKnbNsgtambBaamankatBVkicTTYlxusRtUvrYmKacMeBaHGkkan;.
Gkkan; mansiTibgw Tl;ngw buKl
EdlCab;Bak;Bn eTAnwgbNs
g
tambBaa CaktCn brmY Ka edayminKitdl;ldM ab;leM dayEdlbuKl
TaMg
enH cUlmkCab;Bak;BneLIy .
-78-
siTidUcKaenHRtUvmancMeBaHbuKlNa Edl)ancuHhtelxaelI
bNsgtambBaa ehIy)anTTYlykbNsgtambBaarkSaTuk nig)an
TUTat;sgR)ak; .
ral;karbwgTl;nwgPaKImYynPaKIBak;BnTaMgLay minraraMgkar
bwgTl;nwgbuKldTeToteLIy eTaHbIbuKldTTaMgenH Tak;Tinbnbnab;
BIbuKlEdl)anTTYlrgkarbwgTImYyenaHkeday .
maRta 175>Gkkan;GacTamTarBIbuKl EdlxnGnuvtsiTieFVI])aRsy nUv
cMnYnR)ak;nbNsgtambBaa Edlmin)anTUTat;sgedaymankarR)ak; ebI
karR)ak;enaHmanEcgelIbNsgtambBaa karR)ak;EdlKNnatamGRta
kMNt;edayFnaKarCatinkm<C a KitBIf\NRbtiTan nigesahy
u TaMgLay
EdlekItman .
ebIsiTieFIV])aRsy
RtUv)anGnuvtmuneBldl;\NRbtiTan
cMnYn )ak;nbNsgtambBaa RtUvCakmvtnkareFVIGb,har . Gb,har
enHRtUv )anKNna eTAtamGRtaGb,harCapvkarrbs;FnaKarenAfeFVI
])aRsyenA kEngsak;enArbs;Gkkan; .
maRta 176>PaKIEdl)anTTYlyknigTUTat;sgbNsgtambBaa GacTamTar
mkvijBIPaKITaMgLayEdl mankarBak;Bn C amYynUvcMnnY R)ak;TaMgRsug Edl
)anTUTat;sg karR)ak;elIcnM nY R)ak;Edl)anTUTat;sgKNnatamGRtakMNt;
edayFnaKarCatinkm<CaKitBIf)anTUTat;sgR)ak; nigesahuyTaMgLay
EdlekItman .
maRta 177>PaKIBak;BnnImYy EdlTTYlrgkarGnuvtsiTieFIV])aRsyGacTam
Taredaybr nwgkarTUTat;sgR)ak; [RbKl;mkxn nUvbNs
gtambBaa rYmCa
mYynwgviruTvaT nigbgan;dTTYlR)ak; .
-79-
GkeFIVbidielxnImYy Edl)anTTYlyknig)anTUTat;sgbN
sgtambBaa Gaclubecalbidielxrbs;xnpal; nigrbs;GkeFIVbidielx
bnbnab;)antameRkay .
maRta 178>kgkrNIEdlKankicRBmeRBgpyBIenHeT ral;buKlEdlman
siTieFIV])aRsyGacTUTat;sgxng tammeFa)aynkarecjrUbiyaNti
EdlRtUvTUTat;sgR)ak;enAeBlbgajeTAelIPaKINamYyEdlCMBak;xn nig
EdlRtUvTUTat;sg)anenAlMMenAnPaKIenaH .
CabEnmelIcnM nY R)ak;nanaEdlEcgenAkg maRta 175 nigmaRta
176 nc,ab;enH rUby
i aNtmi anbBa lnUvkRmeCIgsanigfEtmRbpgEdr .
ebIrbU iyaNtRi tUv)anecjedayGkkan; cMnnY R)ak;TTU at;sg RtUv
)ankMNt;eTAtamGRtakarR)ak;sRmab;rUbiyaNti EdlRtUvTUTat;sgR)ak;
enAeBlbgaj enAeBlEdlbNsgtambBaadMbUg RtUv)anTUTat;sgenA
lMenArbs;PaKIBak;Bn . ebIrUbiyaNtiRtUv)anecjedayGkeFIVbidielx
cMnYnR)ak;TUTat;sg RtUv)ankMNt;eTAtamGRtakarR)ak; sRmab;rUbiyaNti
EdlRtUvTUTat;sgR)ak;enAeBlbgaj enAeBlEdlGkecjrUbiyaNtienaH
manlMenAenAkEngCamYyPaKIEdlBak;Bn .
maRta 179>Gkkan;)at;bg;siTieFI]V )aRsyrbs;xn Tl;ngw GkeFIbV idielxTaMg
Lay nigPaKIBak;BndTeTot elIkElgEtGkecjbN eRkayputry
eBlkMNt;
- sRmab;karbgajbNsgtambBaa EdlecjedIm,I[TUTat;
sgR)ak; enAeBlbgaj benAkg ryeBlkMNt;my
Y eRkay
karbgaj
- sRmab;eFVIviruTvaTcMeBaHkarminTUTat;sgR)ak;
-80-
- sRmab;karbgaj[TUTat;sgR)ak; kgkrNIEdlmanbdiBaa
fabgVilvijedayKanesahuy bbgVilvijedayKanviruTvaT
besckIepSgNamYy EdlmannydUcKa .
ebIbdiBaasIBIryeBlkMNt;[bgaj mancuHenAkgbidielx
ryeBlkMNt;enHmanRbsiTPaBcMeBaHGkeFIVbidielxEtb:ueNaH .
maRta 180>kalebIkarbgajbNsgtambBaa[TUTat;sgR)ak; bkareFVI
viruTvaTkgryeBlkMNt; RtUv)anraMgsHeday]bsKminGacqgput)an
EdlCakrNIRbFanski ryeBlkMNt;nwgRtUv)anBnar .
Gkkan;mankatBVkicp l
;esckIC nU dNgw Pam BIkrNIRbFanski
[eTAGkeFIVbidielxrbs;xn nigRtUvbBaak;GMBIesckICUndMNwgenH edaycuH
kalbriecT nightelxaelIbNsgtambBaa belIGnubRt . cMeBaH
RbkarepSgeTot RtUvGnuvteTAtammaRta 172 nc,ab;enH .
enAeBlEdlkrNIRbFansk)i ancb; Gkkan;RtUvbgajbNs
g
tambBaaPam edIm,I[eFIVkarTUTat;sgR)ak; ehIyebIcaM)ac;RtUveFVIviruTvaT .
ebIkrNIRbFanski enAbnekItmanelIsBIsamsib 30 f
eRkayeBldl;\NRbtiTan ])aRsyGacRtUv)aneFVIeLIg ehIyTaMgkar
bgaj[TUTat;sgR)ak; TaMgkareFVIviruTvaT mincaM)ac;eFVIeLIy .
cMeBaHbNsgtambBaa Edlecj[TUTat;sgR)ak; enAeBl
bgajbenAkg ryeBlkMNt; mYyeRkaykarbgaj ryeBlkMNt;samsib
30fenaH RtUvcab;epImBIkalbriecT EdlGkkan;)anCUndNwgBIkrNI
RbFanski eTAGkeFIVbidielxrbs;xn eTaHbIenAmunputryeBlkMNt;RtUv
bgaj[TUTat;sgR)ak; keday . cMeBaHbNs
gtambBaaEdlecj[TUTat;
sgR)ak; enAkgryeBlkMNt;mYyeRkaykarbgaj ryeBlkMNt;sam
sib 30 fxagelIenH RtUvEtbUkbEnmCamYyryeBleRkaykarbgaj
EdlmanbBaak;c,as;enAelIbNsgtambBaa .
-81-
buKlEdl)anTTYlsiTikgkarbgajbNsgtambBaa[TUTat;sgR)ak; b
kgkareFVIviruTvaT minRtUv)ancat;TukCakrNIRbFanskieLIy .
karTTYlxusRtUvelIbNsgtambBaa EdlRtUv)an)at;bg; bRtUv
bMpaj GacGnuvt)an luHNaEtmankarFanaBIPaKIGnuvtbNsgtambBaa
EdlsgkarxUcxateTAPaKIBak;Bn cMeBaHkarTamTarrbs;buKlepSgeTot
elIbNsgtambBaatamesckIseRmcrbs;tulakar ebIGkkan;)anTTYl
bNsgtambBaamkedaysucrit bedayKankareFVsRbEhsFn;Fr .
EpkTI 8
kareFIVGnraKmn_edIm,ITUTat;sgR)ak;
maRta 181>GkecjbN GkeFIVbidielx brUbiybdiePaKIGacbBaak;eQaH
buKlEdlRtUvTUTat;sgR)ak; kgkrNIcaM)ac; .
bNsgtambBaaGacRtUv)anTUTat;sgR)ak; edaybuKlEdl
eFIVGnraKmn_ edIm,ITUTat;sgR)ak;CYskUnbMNulNamYy EdlTTYlrgsiTi
eFIV])aRsy .
buKlEdl)aneFIVGnraKmn_ GacCattiyPaKI Edl)anBak;Bn
elIbNsgtambBaa .
enAkgryeBlBIr02feFIVkar buKlEdl)aneFVIGnraKmn_
RtUvEtCUndNgw eTAPaKIEdlxn )aneFIVGnraKmn_ edIm,ITTU at;sgR)ak; . ebI
mineKarBtamryeBlkMNt;enHeT GkeFIVGnraKmn_RtUvTTYlxusRtUvcMeBaH
ral;karxUcxat ebIekItman EdlbNalmkBIkareFVsRbEhsrbs;xn b:Eu n
sMNgelIkarxUcxat minRtUvelIsBIcMnYn)ak;nbNsgtambBaaeLIy .
maRta 182>-82-
karTUTat;sgR)ak;edayGnraKmn_ GaceFV)I an enAkg ral;krNI

EdlGkkan;mansiTei FI]V )aRsy cMeBaHbNs
gtambBaaenAeBldl;\NRbtiTan benAmuneBldl;\NRbtiTan .
karTUTat;sgR)ak; RtUvrab;bBalnUvcMnYnR)ak;TaMgGs; EdlRtUv
TUTat;sg edayPaKITTYlGnraKmn_ .
karTUTat;sgR)ak; RtUvEt)aneFIVeLIgya:gyWtbMput enAfbnab;
BIfcugeRkay EdlGnuBaat[eFVIviruTvaTcMeBaHkarminTUTat;sgR)ak; .
maRta 183>ebIbuKlTaMgLay EdlmanlMenAenAkEngTUTat;sgR)ak; RtUv)an
cat;taMgCaGkTMnak;TMng kgkrNIcaM)ac; Gkkan;RtUvbgajbNsgtam
bBaa[eTAbuKlTaMgenH nigebIcaM)ac; RtUveFVIviruTvaTcMeBaHkarminTUTat;sg
R)ak; ya:gyWtbMputenAfbnab;BIfcugeRkay EdlGnuBaat[eFVIviruTvaT .
ebIKanvirTu vaTenAkg ryeBlkMNt;enHeT PaKIEdl)ancat;taMg
GkTMnak;TMngkgkrNIcaM)ac;xagelI nigGkeFIVbidielxbnbnab;RtUv)anrYc
putBIkarTTYlxusRtUv .
maRta 184>Gkkan;EdlbdiesFkarTUTat;sgR)ak;edayGnraKmn_ )at;bg;
siTei FI]V )aRsyrbs;xn Tl;ngw buKl
TaMgLay EdlRtUv)anrYcputBIkarTTYl
xusRtUvedayGnraKmn_ .
maRta 185>karTUTat;sgR)ak;edayGnraKmn_ RtUvEt)anbBaak;yfaPaBGMBI
karTTYlR)ak;enAelIbNsgtambBaa edaymaneQaHbuKlEdlTTYl
karTUTat;sgR)ak;CYs . kgkrNIKanesckIbBaak;enHeT karTUTat;sgR)ak;
RtUv)ancat;Tukfa )aneFIV[GkecjbN .
bNs
gtambBaa nigvirTu v aTebIman RtUvEt)anRbKl;[eTAbuKl
Edl)anTUTat;sgR)ak; edayGnraKmn_ .
-83-
maRta 186>buKlEdl)anTUTat;sgR)ak;edayGnraKmn_ TTYl)ansiTiTaMg

Gs;nbNsgtambBaa Tl;nwgPaKI Edlxn)aneFIVkarTUTat;sgR)ak;CYs
nigbuKlTaMgLay EdlmankarBak;BnCamYyPaKIcugeRkayenHeTAelIbN
sgtambBaa . b:Eu nbKu l
Edl)aneFVGI nraKmn_enH minGaceFIbV di ei lxbN
sgtambBaa bneToteLIy .
GkeFIbV di ei lxbnab;BPI aKI EdlTTYlkarTUTat;sgR)ak;Cs
Y RtUv
rYcputBIkarTTYlxusRtUv edayGnraKmn_ .
kgkrNImankarRbECgKa edIm,ITUTat;sgR)ak;edayGnraKmn_
karTUTat;sgEdlmancMnYnR)ak;eRcInCageK RtUvmanGaTiPaB . buKlNa
mYyEdleFIVGnraKmn_ enAkglkNpyBIviFanenH edayyl;dwgBIehtukarN_c,as;las; RtUv)at;bg;siTieFIV])aRsyTl;nwgbuKl EdlRtUv)aneFVI
[rYcputBIkarTTYlxusRtUv edayGnraKmn_ .
EpkTI 9
c,ab;cmg
maRta 187>Gkkan;mansiTieFIVc,ab;cmgbNsgtambBaa .
c,ab;cmgRtUvEteFI[
V )anRtwmRtUvtamc,ab;edIm CamYynwgbidei lx
nigesckIbBaak;epSgeTot EdlmanenAkgenaH . c,ab;cmgenH RtUv
bBaak;c,as;las;nUvcMnYnEdl)aneFVI .
c,ab;cmgGacRtUv)aneFIbV idielxnigeFIrV bU iybdiePaK enAkg lkN
dUcKa nigmansuBlPaBdUcKa nwgc,ab;edImEdr .
maRta 188>-
-84-
c,ab;cmgRtUvEtbBaak;buKlEdlkan;kab;c,ab;edIm . Gkkan;
c,ab;edImRtUvTTYlxusRtUvkgkarRbKl;c,ab;edIm EdlmanEcgxagelI[eTA
Gkkan;Rsbc,ab;nc,ab;cmgenaH .
ebIGkkan;c,ab;edImbdiesF Gkkan;c,ab;cmgGacGnuvtsiTieFIV
])aRsy Tl;nwgbuKlTaMgLay Edl)aneFIVbidielx beFIVrUbiybdiePaK
c,ab;cmg luHRtaEt)anbBaak;enAelIviruTvaTfa c,ab;edImminTan;RtUv)an
RbKl;mkvijtamsMeNIrbs;xnenAeLIy .
eRkayBIbidielxcugeRkay EdleFIVeLIgmuneBleFIVc,ab;cmg
kalebIc,ab;edImmanbdiBaafa cab;epImBIeBlenH bidielxmansuBlPaB
enAeBlNaEdlbidielxeFVIeLIgelIc,ab;cmgEtb:ueNaH btamrUbmnEdl
mannydUcKa bidei lxbnab;mkeTotenAelIc,ab;edIm RtUvcat;Tku CaemaX.
EpkTI 10
karEkelIbNsgtambBaa
maRta 189>kg krNImankarEkelIxmw sarnbNs
gtambBaa ral;PaKIEdl
)ancuHhtelxabnab;BIkarEk RtUvCab;Bak;Bn eTAtamxmw sarEdl)anEk .
edImnbNsgtambBaa .
EpkTI 11
maRta 190>ral;])aRsyEdlekIteLIg BIbNsgtambBaaTl;nwgGkecj
bN manryeBlbI 3qaM KitBIf\NRbtiTan .
ral;])aRsyEdleFIVeLIgedayGkkan; Tl;nwgGkeFIVbidielx
TaMgLay manryeBlmYy 01qaM KitBIfeFVIviruTvaTRtwmRtUvtamryeBl
kMNt; bKitBIf\NRbtiTan kalebImanbdiBaafa bgVilvijedayKan
-85-
esahuy bbgVilvijedayKanviruTvaT besckIepSgNamYy Edlmanny

dUcKa .
ral;])aRsyrbs;GkeFIVbidielx Tl;nwgGkeFIVbidielxpgKa
manryeBl)aMmYy6Ex
KitBIfEdlGkeFIVbidielx)anTTYlyk
nig)an TUTat;sgbNsgtambBaa bKitBIfEdl)anTTYlrgkarbwg .
maRta 191>karkMNt;ryeBleFVI])aRsydUcmanEcgkgmaRta 190 nc,ab;
enH mansuBlPaBeTAelIEtbuKl
NamYy EdlryeBlenaHRtUv)ankMNt;
b:ueNaH .
EpkTI 12
karKNnaryeBlkMNt;
maRta 192>bNs
gtambBaaEdldl;ryeBlkMNt;TTU at;sgR)ak; enAf
Qb;sRmakpv kar nwgRtUvTUTat;sgR)ak;enAfeFIkV arbnab; . ral;skmPaB
EdlTak;TgeTAnwgbNsgtambBaa CaBiesskarbgaj[TUTat;sgR)ak;
nigviruTvaT GacRtUveFIVeLIgEtkgfeFIVkarb:ueNaH .
kalebIskmPaBTaMgenH RtUvEt)aneFIeV nAkg ryeBlkMNt;my
Y
EdlfcugeRkayCafQb;sRmakpvkar ryeBlkMNt;enaHRtUv)anBnar
rhUtdl;feFIVkarTImYybnab;; . fQb;sRmak RtUv)anrab;bBalkgkar
KNnaryeBlkMNt;TaMgenaHEdr .
maRta 193>ryeBlkMNt;TaMgLay EdlEcgkg CMBkU enH nwgminrab;bBal
CamYypgeT nUvfEdlryeBlenaHcab;epIm .
maRta 194>eTaHbItampv c,ab;kI btampvtulakarkI BMuGnuBaat[manryeBl
GnueRKaHeLIy .
-86-
CMBUkTI 5
RbtibtikarTUTat;sgR)ak;
EpkTI 1
kmvtnkarGnuvt
maRta 195>CMBkU enHGnuvtceM BaHRbtibtki arTUTat;sgR)ak; CarUby
i vtk g Rsuk
brUbiybNNamYy . CMBUkenHkMNt;siTi nigkatBVkicrbs;GkcUlrYmnig
GnuvtceM BaHkarerobcM Rbtibtki ar karRtYtBinti nigkarRKb;RKgRbBnT TU at;
sgR)ak;kgRBHraCaNacRkkm<Ca .
maRta 196>rUbvnb Ku l
nignItibKu l
GacebIkKNnICarUbiyvtk g RsuknigCa
rUbiybN nigGaceFVIRbtibtikarTUTat;sgR)ak;tamryKNnITaMgenH enAeRkam
lkxNEdl)anRBmeRBog eTAtambTb,BatiTaMgLay kgEpkTI 7 n
CMBUkenH . rUbvnbuKlbnItibuKlGacmanKNnImYy beRcInkgFnaKar
mYy beRcIn)an .
kfaxNxagelInmaRtaenHBM)u anbdiesFecal nigRtUvGnuelam
tamkatBVkci N
amYy EdltRmUvedayc,ab;Tak;TgeTAnwgkareRbIR)as;rbU y
i vt
kg Rsuk kdcU Cakarrwtt,itbkardak;kh
M ti edayc,ab; EdlBak;Bne TAnwg
RbePT bfak;Cak;lak;rbs;KNnI brUbiybN .
maRta 197>bBaaTUTat;GacRtUvepJIedayGtifiCnNamYy BIkgbBeI RkARBHraCaNacRkkm<C a nigTTYledayFnaKarNamYy EdlmanTItaMgenAkg beRkA
RBHraCaNacRkkm<Ca .
bBaaTUTat;EdlTTYledaysaxa bkariyalyedayELknFnaKar
mYy EdlmanTItaMgenAkg RBHraCaNacRkkm<C a RtUvsti enAeRkambTb,Bati
-87-
nCMBUkenH ehIybTb,BatiNaEdlBMumanEcgeT RtUvsitenAeRkamc,ab;

dTeTot EdlGnuvtenARBHraCaNacRkkm<Ca . kfaxNenH RtUvGnuvt
cMeBaHkarepJI BIkg bBIeRkARBHraCaNacRkkm<Ca elIkElgEtmankicRBmeRBog
pyBIenHrvagGkepJI nigFnaKarTTYl .
bBaaTUTat;EdlTTYledaysaxa bkariyalyedayELknFnaKar
EdlmanTItaMgenAeRkARBHraCaNacRkkm<Ca RtUvsitenAeRkamc,ab;Edl
GnuvtenAkEngEdlsaxa bkariyalyedayELkenaH)ane)aHTItaMg elIkElg
EtmankicRBmeRBogpyBIenH rvagGkepJI nigFnaKarTTYl .
siTni gi katBVkci r vagFnaKarnigGtifCi nrbs;xn EdlTak;Tgnwg
KNnI nigbBaaTUTat;cUl becj RtUvsti enAeRkamc,ab; EdlGnuvtenA
kEngEdlCaTItaMgnsaxa bkariyalyedayELk Edl)anrkSaKNnITaMg
enaH elIkElgEtmankicRBmeRBogpyBIenHrvagFnaKarnigGtifiCnrbs;xn.
bBaaeBlevlankarTUTat;sgR)ak; eFVIeLIgedayGksgR)ak;[
eTAGkTTYlR)ak; enAkgRbtibtikarTUTat;sgR)ak;mYy RtUvsitenAeRkam
c,ab;EdlGnuvtenAkEngCaTItaMgnsaxa bkariyalyedayELkrbs;FnaKar
eKaledA .
bBaaTUTat;GacRtUvbBan eTAFnaKarCatinkm<C a [Gnuvtkarsg
R)ak;ecjBI bcUleTAkgKNnIEdl)anebIkenATIenaH . kgkrNIenH
CMBkU enHnwgRtUvGnuvtceM BaHFnaKarCatinkm<C a kg namCaFnaKarmYyEdr .
enAeBlNaEdlFnaKarTTYlyl;RBmGnuvtbBaa EdlBMuEmn
CabBaaTUTat; edayehtufa bBaaenaHCakmvtnlkxNNamYy bBaa
EbbenHkRtUv)ancat;TukfaCabBaaTUTat;Edr . CMBUkenHGnuvtcMeBaHRbtibtikar
TUTat;sgR)ak; b:uEnminRtUvGnuvtcMeBaHParkic
- rbs;FnaKarTTYlkg karbBan bnnvU lkx N
N
amYy eTAkan;
FnaKareKaledA nig
- rbs;FnaKareKaledA edIm,IGnuvtlkxNenaHeLIy .
-88-
maRta 198>siTiGMNacrbs;GkTTYlkgkarepr\NBn mandUcxageRkam

1- enAkg karepr\NBn GkTTYlGacdkhUtsiTGi N
M ac Edl
)anRbKl;[GkepImRbtibtikar edayeFVIesckICUndMNwgdl;FnaKareKal
edA GMBkI ardkhUtsiTGi N
M acenaHCalaylkNG_ kSr tameGLicRtUnki b
edaypal;mat;k) an ebImankarRBmeRBogCalaylkN_GkSrCamun[eFVEI bb
enH . esckICUndMNwg RtUvEteFVIeLIgmuneBlEdlRbtibtikarTUTat;sg
R)ak;RtUv)anbBab; nigkg ryeBlnigtamviFRI Kb;RKan; EdlGac[FnaKar
eKaledAmankassmRsbkgkarGnuvttam . FnaKareKaledA RtUv
bdiesFbBaaTUTat;TaMgLayNarbs;GkepJI EdlmanesckICUndMNwg[dk
hUtsiTiGMNac .
2- enAkgkarepr\NBn esckICUndMNwgbBaak;BImrNPaB b
esckIseRmcrbs;tulakarGMBIGsmtPaBnItanukUlnGkTTYl Edl
FnaKareKaledATTYl)an manRbsiTPaBdUcKanwgesckICUndMNwgrbs;Gk
TTYl GMBIkardkhUtsiTiGMNac EdlmanEcgenAkgkfaxNTI1nmaRta
enHEdr .
3- GtifiCnEdl
- KNnIRtUv)ankt;Rta\NBntamcMnYnR)ak;kgbBaaTUTat;
nkarepr\NBn
- tv:aBIsiTiGMNacrbs;GkepImRbtibtikar nig
- CMTas;CalaylkN_GkSrnwgkarcuH\NBnkgryeBl
bYn04fbnab;BI)andwgdMNwgGMBIkarcuH\NBnenH
enAkgKNnIrbs;xn
GacmansiTicuHbRBaas karcuH\NBnenaHvij elIkElgEtFnaKareKal
edA)anpl;Pstag GMBIsiTiGMNac Edlpl;edayGtifiCneTAkan;GkepIm
RbtibtikarenaH .
4- tamrykarGnuBaat[eFVIkarepr\NBn GkTTYlFanakar
-89-
TUTat;sgR)ak; eTAGkepImRbtibtikar .
5- maRtaenHminGnuvtceM BaHsiTGi N
M ac EdlGkTTYl)anRbKl;
[GkepImRbtibtikar tamkarecjpSaymUlb,TanbRtenaHeT .
EpkTI 2
bBaaTUTat;
maRta 199>bBaaTUTat;CabBaarbs;GkepJIeTAFnaKarTTYl nigmineRbICakar
eprmUlniFi [GkcUlrYmNamYy kgRbtibtikarTUTat;sgR)ak;eLIy .
bBaaTUTat;GaceFIeV LIgCalaylkNG_ kSr tameGLicRtUnki bGac
eFVeI LIgedaypal;mat; ebImankarRBmeRBogCalaylkNG_ kSr Camunrvag
PaKInbBaaTUTat; . ebImankarRBmeRBogdUecHBImnu nigCakmvtnlkxN
kgkicRBmeRBog TMnak;TMngCabnbnab;mkeTot rYmTaMgbBaabBab;pgk
GacRtUveFVIeLIgedaypal;mat;)anEdr .
bBaaTUTat;RtUvkMNt;GtsBaaN GkTTYlnigFnaKareKaledA[
)anRtwmRtUv . enAeBlNaEdlbBaaTUTat;kN
M t;GtsBaaN GkcUlrYm
NamYyenAkg Rbtibtki arTUTat;sgR)ak; tamRbBns
y
V Rbvti edaybBaak;
eQaHnigelxkUd FnaKarTTYlBMcu aM)ac;bBaak;nvU sgtPaB rvageQaHnig
elxkUdenaHeLIy ehIyGacsgR)ak;edayEpkEtelIelxkUdb:eu NaH . enA
eBlNaEdlnieyaCitNamak; CaGkGnuvtbBaaTUTat;kt;smal;eXIjfa
eQaH nigelxkUdBumM ansgtPaB FnaKarTTYlRtUvbdiesFbBaaTUTat;enaH.
FnaKarCatinkm<Ca GacecjbTbBaaEcgGMBIlkxNnana
EdlenAkgenaH bBaaTUTat; nigTMnak;TMngepSgeTot rYmTaMgbBaabBab;
pgEdr GacRtUv)aneFIVeLIgedaypal;mat; .
maRta 200>enAkgkarepr\NTan elIkElgEtmankarRBmeRBogepSgBIenH
FnaKarTTYlmankatBVkic GnuvtbBaaTUTat;rbs;GkepJI EtkgkrNIEdl
-90-
KNnIGkepJImansmtulRKb;RKan;b:ueNaH .
enAkgkarepr\NBn FnaKarepImRbtibtikar RtUvGnuvtbBaa
TUTat;rbs;GkepImRbtibtikar bnab;BImanPstagsmRsb GMBIsiTiGMNacEdl
GkTTYlRbKl;[ nigmankarFanasgkarxUcxatvij BIGkepImRbtibtikar .
elIkElgEtmankarRBmeRBogepSgBIenH FnaKarepImRbtibtikarBMumankatBVkic
pl;mUlniFidl;GkepImRbtibtikar bsUm,IeFVIkarcuH\NTanbeNaHGasnkI
enAmuneBlbBab;karepr\NBn . ebIKNnIrbs;GkepImRbtibtikar RtUv)an
cuH\NTanedayFnaKarepmI Rbtibtki ar muneBlmankarbBabk; arepr\NBn
karcuH\NTanenaHRtUvmanlkNbeNaHGasn ehIyKNnIGk epmI Rbtibtikar GacnwgRtUvcuH\NBnvj
i kg cMnnY R)ak;esInwgkarcuH\NTan ebIkarepr
\NBnBMuRtUv)anbBab; dUcEdl)anEcgkgmaRta 210 nc,ab;enHeT .
FnaKarTTYl RtUvGnuvtEtbBaaTUTat;NaEdl
- )anbMeBjesckIRtwmRtUv nig)ankarGnuBaat bman
yfaPaB
- )ankMNt;GtsBaaNFnaKareKaledARtwmRtUv
- )anBNnaGMBIGkTTYl edayR)akdRbCa .
FnaKarTTYlEdlminGnuvtbBaaTUTat;rbs;GkepJI RtUvCUndMNwg
dl;GkepJICabnan; GMBIkarbdiesF bkarminTTYlrbs;xn .
elIkElgEtmankarRBmeRBogepSgBIenH nigminKitdl;karyk
esahuy dUcEdl)anRBmeRBog bEdlCaTmab;kI FnaKarTTYlRtUvGnuvt
bBaaTUTat;tamcMnYnR)ak; Edl)anbBaaedayGkepJI .
FnaKarTTYl RtUvGnuvtbBaaTaMgLay EdlmanenAkg bBaa
TUTat;enAfeFVkI ar EdlFnaKarTTYl)anbBaaenaH benAfRbsiTP aBrbs;
bBaaTUTat;enaHebIman EdlCaTUeTAKWenAeBleRkaymkeTot . FnaKarTTYl
GackMNt;eBlem:agkMNt; sRmab;GnuvtbBaaTUTat; . ral;bBaaTUTat;Na
Edl)anTTYl eRkayeBlkMNt;enH RtUv)ancat;Tku fa )anTTYlenAf
-91-
eFVkI arbnab;rbs;FnaKar .
FnaKarepImRbtibtikar enAkgkarepr\NTan nigFnaKar
eKaledA enAkgkarepr\NBn Edl)anTTYlbBaaTUTat;elIsBImYy
kgGMLgfeFVIkarrbs;FnaKar bbBaaRsbc,ab;dTeTot edIm,IdkmUlniFi
ecjBIKNnI GacnwgGnuvtbBaaTaMgenaH tamlMdab;lMedayNak)an
elIkElgEtmankarEcgepSgBIenH enAkgc,ab;epSgeTot .
FnaKarTTYl RtUvmankarRbugRbytCanickgkarGnuvtbBaa
TUTat; . FnaKarTTYl RtUvRbugRbytk g karbkRsaybBaaTUTat; Edlmin
c,as;las; ehIyeFVs
I kmPaBedayesaHRtg; nigRtUvGnuvtbBaaTUTat;eTAtam
Gtny
smRsb edaymin)ac;EsVgyl;fa karbkRsayenaH Cakarpy
BI
bMNgrbs;Gk epJeI LIy.
kg karTTYlbBaaTUTat; nigeFVs
I kmPaBenAkg RbtibtikarTUTat;
sgR)ak; nigeTaHbICamankicR BmeRBogpy
BIenHkeday FnaKarTTYlRtUvEt
eKarBtamc,ab;enH RBmTaMgbTbBaa besckEI NnaMTaMgLayEdlBak;Bn
kdUcCac,ab;dTeTotEdr . FnaKarRtUveFVIskmPaBedayykcitTukdak;
nigsucrit Rsbtamsg;darrYmrbs;FnaKar nigRtUvCYydl;GkcUlrYmnana
kg karbBabR; btibtki arTUTat;sgR)ak;edayRtwmRtUv . enAkg RkbxNE dl
manEcg enAkg c,ab;enHbc,ab;epSgeTot FnaKarRtUvrkSakarsmat; nigeFVI
skmPaBCaRbeyaCn_xs
< b; Mptu rbs;Gk epJ.I
CakmvtnkatBVkicrkSakarsmat; enAeRkamc,ab;nanaEdlkMBug
Gnuvt FnaKarTTYl Edl)anbBaa[bBanRbtibtikarTUTat;sgR)ak; tamry
FnaKarGnrkarI beTAkan;FnaKareKaledA Edlxnvinicyfa BMuGacTukcit
)ankgkaleTsenaH RtUvCUndMNwgCabnan;dl;GkepJIGMBIkar)armrbs;xn .
b:Eu n enAeBlNaEdlFnaKarTTYl enAEt)anTTYlbBaa[bBan Rbtibtki ar
pyBIkarCUndMNwgrbs;xn FnaKarTTYlGacbdiesFminTTYlbBaaTUTat;
enaH bedayminKitdl;bTb,BatiepSgeTotenAkgc,ab;enH GacRbtibti
-92-
bBaaenaH edayGkepJIRtUvTTYlra:b;rghaniPy .
maRta 201>elIkElgEtmankarRBmeRBogepSgBIenH rvagGkepJInigFnaKar
TTYl bBaaTUTat;GacRtUvbdiesFbbBab;)an . bBaaTUTat;ngw RtUv)anbBab;
edayGkepJI enAeBlNaEdlbBaabBab;mankarGnuBaat bmankarbBaak;
RtwmRtUvedayGkepJIbkgnamGkepJI RtUv)anTTYledayFnaKarTTYlenAkg
eBl nigtamviFIEdlFnaKarGaceFVIkarbBab;bBaaTUTat; enAmuneBlGnuvt .
eTaHbICa bnab;BI)anRbtibtibBaaTUTat;rbs;GkepJIrYcehIykI
tamkaress
I ruM bs;Gk epJI FnaKarEdl)anTTYlnigRbtibtbi BaaenH Gacecj
bBaabBab;[eTAFnaKarTTYlrbs;xn dUcmanEcgkgkfaxNxagelInmaRta
enH . bBaabBab; EdlecjedayGkepJIeTAkan;FnaKareKaledA enAkg
Rbtibtki arTUTat;sgR)ak; nwgmanRbsiTP aBEtenAeBlNaEdlbBaabBab;
enaH )aneTAdl;FnaKareKaledA enAmuneBlEdlRbtibtikarTUTat;sg
R)ak; RtUv)anbBab;b:ueNaH .
bBaabBab;RtUvEtkt;smal;bBaaTUTat; EdlRtUvbBab;enaH[
)anc,as;las;; nigRtUv)anbBan eTAFnaKarTTYlCalaylkN_GkSr tam
eGLicRtUnik bedaypal;mat;ebImankarRBmeRBogCalaylkN_GkSrBImun
rvagPaKInbBaaTUTat; .
bBaaTUTat; EdlBMTu an;)anGnuvtedayFnaKarTTYl RtUv)andk
mkvijenAkg krNIdcU teTA
- enAeBlbBab;feFVIkarTIR)aMrbs;FnaKarTTYl bkgryeBl
xICagenH tamkarRBmeRBogKa bnab;BI)anTTYlbBaa
TUTat; benAfRbsiTPaBnbBaaTUTat; EdlCaTUeTAenA
eBleRkaymkeTot
- enAeBlNaEdlFnaKarTTYl)andwg GMBImrNPaBbesckI
seRmcrbs;tulakar GMBIGsmtPaBnItanukUlnGkepJI b
-93-
- enAeBlNaEdlFnaKarTTYl RtUv)anbiTedayGaCaJFr
RtYtBinit .
karbBab;bkardkmkvijnUvbBaaTUTat; nwgminmanRbsiTPaBeT
bnab;BIRbtibtikarTUTat;sgR)ak;enaH RtUv)anbBab;CasaBr .
maRta 202>karTUTat;bBaaTUTat;GnrFnaKar nigeBlevlasRmab;karTUTat;
RtUv)ankMNt;dUcteTA
1-karTUTat;cMeBaHbBaaTUTat;GnrFnaKar GaceFVIeLIg
k- enAelIKNnITUTat;rbs;bNaFnaKar enAFnaKarCatin
km<C a EdlenAkg krNIenH RtUvsti eRkambTbBaaTak;Tg
nwgsPapat;Tat; EdlecjedayFnaKarCatinkm<Ca
x- tamrykarkt;Rta\NBn b\NTaneTAkgKNnIepSgBI
KNnITUTat; EdlFnaKarmYymanenAFnaKarmYyeTot benA
FnaKarTIbI . karcuH\NBn b\NTanEbbenH GaceFVI
eLIgsRmab;bBaaTUTat;nImYyedayELkBIKa bsRmab;bBaa
TUTat;CasMNuM EdlkgkrNINakeday kRtUveFVIeLIgenA
cugRKankarpat;Tat;Edr
K- tammeFa)ayepSgeTot EdlGacseRmckatBVkci ) an .
2- eBlevlasRmab;karTUTat;enAkgkfaxNTI 1 nmaRtaenH
mandUcteTA
k- enAeRkamkfaxNTI 1-k enAeBlNaEdlkarTUTat; RtUv
)anbBab;eRkambTbBaa Tak;TgnwgsPapat;Tat; Edlecj
edayFnaKarCatinkm<Ca
x- enAeRkamkfaxNTI 1-x tamrykarcuH\NBnKNnImYy
enAeBlNaEdlxg;\NBnRtUv)ankt;RtaeTAkgKNnI
K-enAeRkamkfaxNTI 1-x tamrykarcuH\NTanKNnImYy
-94-
enAeBlNaxg\; NTan Edl)ankt;Rtakg KNnIRtUv)an

eRbIR)as; bebImin)aneRbIR)as; KWenAeBlcab;epImf
eFVIkarbnab; Edlmanxg\; NTansRmab;eRbIR)as; ehIy
FnaKar )andwgGMBIkarcuH\NTankgKNnIrbs;xn
X- enAkgkfaxNTI 1-K Gnuelamtamc,ab;Edl)an
kMNt;GBM eI BlseRmckatBVkci .
3- kfaxNenHRtUvGnuvt kalebIkarTUTat;enAeRkamkfaxNTI
1-x nmaRtaenHekItmaneLIg edayGnuelamtamkicRBmeRBog bviFanEdl
GnuvtcMeBaHkarbBab;karTUTat;GnrFnaKar eRkAFnaKarCatinkm<Ca nig
sRmab;bBaaTUTat;sgR)ak;tamcMnYnsuTCaeTVbBhuPaKI . eTaHbICaman
kfaxNTI 2-x nmaRtaenHkeday karTUTat;EbbenH ekItmaneLIgenA
eBlEdlkarTUTat;sgenH RtUv)anbBab;tamkicRBmeRBog bviFan .
4- bTbBaaEdlecjedayFnaKarCatinkm<Ca Gacrwtt,it bRKb;
RKgelIkaleTs Edlkg enH karTUTat;enAeRkamkfaxNTI 1-x bK n
maRtaenHGacekItmaneLIg kdUcCaGacEkERbeBlevlasRmab;karTUTat; .
5- edayminKitdl;GIEV dlmanEcgenAkg c,ab;NamYy EdleTaH
CaTak;TgbminTak;Tgdl;bNwgGMBIGsaFnPaBTl;nwgFnaKar minRtUv
- man\TiBlRbtiskmelIsiTi nigkatBVkicEdlekIteLIgBI
bEdlBak;BnCamYykarpat;Tat; nigkarTUTat;bBaaTUTat;
eLIy eRkABIenAeBlevlaEdlbNwgGMBIGsaFnPaBenaH
RtUv)aneFVI b
- manplb:HBal;eTAelIRbsiTPaB nigkarGnuvt)annbBaa
TUTat; EdlTTYl)anedayFnaKarTTYl enAmuneBlman
bNwgGMBIGsaFnPaBenH nigmuneBlkarTUTat;sgR)ak;
tamcMnYnsuTCaeTVbBhuPaKI RBmTaMgmuneBlmankarpl;
karFanaNamYy.
-95-
6- edIm,IeKalbMNgnkfaxNTI 5 nmaRtaenH nigkfaxNTI

2 nmaRtaTI 227 nc,ab;nH bNwgGMBIGsaFnPaB KWCaviFankarrYm
EdlkMNt;edayc,ab; edIm,ICMrHbBaI bBab;skmPaB bedIm,IerobcMFnaKar
eLIgvij eTaHedaysR Kcitb minsRKcitk I ehIyeBlevlankarebIkbNwg
GMBIGsaFnPaB CaeBlevlaEdlGaCJaFrtulakarbrd)alBak;BnRbkas
GMBIesckIsMercrbs;xn .
EpkTI 3
GkdMeNIrkarttiyPaKI
maRta 203>kgkarGnuvtEpkNamYy nRbtibtikarTUTat;sgR)ak; FnaKar
GaceRbIR)as;GkdMeNIrkarttiyPaKI . dUcEdl)anGnuBaatedayFnaKar
GkdMeNIrkarttiyPaKI GaceFVIkarkgnamFnaKar Edl)anpl;siTiCa
- GkTMnak;TMng
- Gkpat;Tat;GnrFnaKar EdlGacbBanCabnnUvBtman GMBI
karTUTat;GnrFnaKareTAkan;FnaKarnana rYmTaMgFnaKarCa
kEngEdlkarTUTat; RtUv)anbBab;pgEdr
- Pak;garRKb;RKgnigRbtibtikar sRmab;FnaKarEdlmanKNnI
GtifiCn nigb
- kEngepJInigTTYlbBaaTUTat; EdlRtUv)anepJIbTTYleday
FnaKar ehIyEdlGtifiCnrbs;FnaKar GaccUlTak;Tg
edaypal;sRmab;karepJInigTTYlbBaaTUTat; .
maRta 204>GkdMeNIrkarttiyPaKI RtUveKarBtamral;katBVkic lkxN
nigkarrwtt,itTaMgLay EdlkMNt;edaybTbBaarbs;FnaKarCatinkm<Ca .
bTbBaaTaMgenaH GacEcgGMBIkarpl;GaCJabN bBatikm karRtYtBinit
nigGacGnuvtcMeBaHGkdMeNIrkarttiyPaKIRKb;RbePTTaMgGs; . RbePT
-96-
epSgKanGkdMeNIrkarttiyPaKI tamkarkMNt;rbs;FnaKarCatinkm<Ca
GacsiteRkamkatBVkicxusKa .
FnaKarmYyGaceFVICaGkdMeNIrkarttiyPaKI kgnamFnaKar
mYyeTot .
maRta 205>eRkABIkarTTYlxusRtUvrvagFnaKar nigGkdMeNIrkarttiyPaKI
FnaKarEdl)anRbKl;siTi[GkdMeNIrkarttiyPaKIeFVIskmPaBCYsmux[
RtUvTTYlxusRtUvTaMgRsugelIskmPaB bkMhusrbs;GkdMeNIrkarttiyPaKI
enaH .
edIm,IFanakareKarBtamc,ab;enHnigkatBVkicRsbc,ab;epSgeTot
FnaKarRtUvFanafaGkdMeNIrkarttiyPaKIRtUveFVIRbtibtikarenAeRkamkar
RKb;RKgnigkarRtYtBinitTaMgRsugrbs;xn cMeBaHehtukarN_TaMgLayEdl
buKl
enH)aneFVs
I kmPaBCYsmux[ ehIyFnaKarminGacbdiesFkarRKb;RKg
nigkarRtYtBinti enHeT .
maRta 206>GkdMeNIrkarttiyPaKI RtUvbdiesFbBaaTUTat;EdlGtifiCnrbs;
FnaKarepJImkxnedaypal; elIkElgEt
k- bBaaTUTat;enaHRtUv)anepJImk edaykarRbKl;siTirbs;
FnaKar
x- enAkgkrNInkarepr\NTan
- GkdMeNIrkarttiyPaKIeFVIskmPaBkg namFnaKar
CaPak;garRKb;RKg bRbtibtikarelIKNnIGtifiCn ehIy
KNnIGtifiCnenaHmansmtulRKb;RKan;
- GkdMeNIrkarttiyPaKI )anTTYlkarGnuBaatBIFnaKar .
bBaaTUTat;rbs;GtifiCn EdlGnuvtedayGkdMeNIrkarttiyPaKI
RtUv)ancat;Tku fa CabBaaBIGtifCi neTAkan;FnaKarrbs;xn GnuvttambBaa
-97-
TUTat;enH FnaKareFVIbBaaTUTat;epJIeTAGkdMeNIrkarttiyPaKI edIm,IbBanbn

eTAkan;FnaKarTTYl .
enAeBlNaEdlFnaKarmYypl;siTi dl;GkdMeNIrkarttiyPaKI
[eFIVCakEngTTYlbBaaTUTat;TaMgLayEdlepJImkFnaKar bBaaTUTat;Edl
)anTTYledayGkdMeNIrkarttiyPaKI RtUv)ancat;Tukfa )anTTYleday
FnaKarTTYl .
EpkTI 4
karbBab;karepr\NTannigkarsgbMNul
maRta 207>karepr\NTanRtUv)anbBabk; g krNIdcU xageRkam
1- karepr\NTannwgRtUv)anbBab;enAeBlNa EdlFnaKareKaledA
)anTTYlR)ak; . cMeBaHkareprpkg FnaKar)anTTYlkarsgR)ak; enA
eBlNaEdlxn)ankt;Rta\NBn kgKNnIrbs;GkepImRbtibtikarnUvcMnYn
R)ak;nbBaaTUTat; . cMeBaHkarepr\NTanGnrFnaKar FnaKareKaledA
)anTTYlR)ak; enAeBlNaEdlkarTUTat;GnrFnaKarrYmTaMgbBaaTUTat;rbs;
FnaKarepJIpgenaH RtUv)anbBab; .
2-karepr\NTanRtUv)anbBab; enAeBlcab;epImfeFVIkarrbs;
FnaKar bnab;BIfEdlFnaKareKaledA)anTTYlbBaaTUTat; bbnab;BI
fRbsiTPaBEdlCafeRkaymkeTot ebIenAeBlenaH GkepJImancMnYnR)ak;
RKb;RKan; sRmab;cuH\NTanenAFnaKareKaledA nigelIkElgEtFnaKar
eKaledA bdiesFbBaaTUTat;minyWtCagmYyem:ageRkaymk .
3-enAeBlNaEdlGkTTYl BMumanKNnICamYynwgFnaKareKaledA
BImunmkeT benAeBlNaEdlKNnIenaH RtUvbiTbraMgxb;cMeBaHkarsg
R)ak;cUl karepr\NTanRtUv)anbBab;enAeBlNaEdlFnaKareKaledA
sgR)ak;[eTAGkTTYl .
-98-
maRta 208>enAeBlbBabk; arepr\NTan FnaKareKaledAnwgkayeTACa

GkCMBak;bN
M l
u
cMeBaHGkTTYl tamcMnnY R)ak;nbBaaTUTat;Edlxn )an
TTYl ehIyeRkayBIkardkecjkRmesvasmRsb FnaKarenaHRtUvsgR)ak;
[eTAGkTTYlPam .
karsgR)ak;[eTAGkTTYledayFnaKareKaledA RtUveFIVeLIg
tamrykarcuH\NTanKNnIGkTTYl min[hYsBIfeFIVkarrbs;FnaKar
bnab;BIkarepr\NTanRtUv)anbBab; . enAeBlNaEdlBuMmanKNnIrbs;
GkTTYlR)ak; bBMuGacsmal;KNnI[)anc,as;las;RKb;RKan;eT benAeBl
NaEdlmankarbBaaEbbenH FnaKareKaledARtUvpl;dMNwgPam dl;Gk
TTYlGMBIkarEdlxnmanmUlniFienAkgd nigRtUvsg[eTAGkTTYl .
enAeBlNaEdlGkTTYl bKNnIGkTTYlBuMRtUv)anbBaak;
c,as;las; enAkg bBaaTUTat;EdlFnaKareKaledA)anTTYl CaehtunaM[
mankarsgSyGMBIGtsBaaNGkTTYl FnaKareKaledAminRtUvTTYlbBaa
TUTat;enaHeLIy ehIyRtUvpl;dMNwgdl;GkepJIBIkarminTTYlenH .
enAeBlNaEdlFnaKareKaledA )ansgR)ak;[eTAGkTTYl b
)ansnafasgR)ak;[eTAGkTTYlCamun karsgR)ak; bkarsnaenH RtUv
manlkNsaBrnigminGacEkERb)an ehIykarepr\NTan RtUvcat;Tku fa
)anbBab; b:uEnGk epJGI acenACMBak;FnaKarTTYlrbs;xn . karsnasg
R)ak;rbs;FnaKareKaledA GacRtUveFVeI daypal;CamYyGkTTYl btamkic
RBmeRBogGnrFnaKar .
maRta 209>enAeBlNaEdlkarepr\NTan RtUv)aneFVIeLIgedIm,Isg
bMNl
u EdlGkepImRbtibtikar)anCMBak;GkTTYl elIkElgEtmankarRBm
eRBogepSgBIenHrvagPaKITaMgBIr bMNulnwgRtUv)ansgrYc enAeBlNaEdl
-99-
RbtibtikarTUTat;sgR)ak;RtUv)anbBab; . karTUTat;sg mankRmitRtwm

cMnYnR)ak;Edl)ansg enAkgRbtibtikarTUTat;sgR)ak;Etb:ueNaH .
karsgbMNul RtUveFVIeLIgmuneBlbBab;RbtibtikarTUTat;sg
R)ak; bnab;BIGkTTYlyl;RBmeFVIkarFanaelIkarTUTat;sgR)ak; bkarFana
elIkarTUTat;sgR)ak;enaH RtUv)anbBaak;edayFnaKareKaledAeTAGkTTYl
elIkElgEtkg kaleTs dUcmanEcgkg kfaxNTI 3 maRta 207 n
c,ab;enH .
GkFanabFnaKareKaledAEdl)anFanabbBaak;GMBIkarTUTat;
sgR)ak;eRkamkfaxNxagelI RtUvTTYlra:b;rgTUTat;sgR)ak; nigkayCa
GkCMBak;cMeBaHGkTTYlnUv cMnYnR)ak;Edl)anFanabbBaak;enaH .
EpkTI 5
karbBab;karepr\NBnnigkarsgbMNul
maRta 210>karepr\NBnRtUv)anbBab;kgkrNIdUcxageRkam
1- karepr\NBnnwgRtUv)anbBab; enAeBlNaEdlFnaKar
eKaledA kt;Rta\NBnKNnIrbs;GkTTYl dUcEdl)anbBaaenAkgbBaa
TUTat; Edlxn)anTTYlehIyBMu)ancuHbRBaas\NBn nigBMu)anbdiesF
bBaaTUTat; rhUtdl;cgu feFVkI arrbs;FnaKar bnab;B)I anTTYlbBaaTUTat; .
enAeBlNaEdlbBaaTUTat; bBaaeTAFnaKareKaledA [cuH\NBnelI
KNnINamYy EdlebIkenAFnaKarenaH karepr\NBnnwgRtUvbBab;enAeBl
cb;feFVIkarrbs;FnaKar bnab;BI)anTTYlbBaaTUTat; eTaHbICamunkarkt;
Rta\NBnelIKNnIGk TTYlkeday nigebIrhUtmkTl;eBlenaH BMumankar
bdiesFsmRsbcMeBaHbBaaTUTat;enaHeT .
2- rhUtdl;eBlbBab;feFVIkarrbs;FnaKar bnab;BI)anTTYl
bBaaTUTat; FnaKareKaledAGacbdiesFbBaaTUTat;enaH)an . FnaKar
eKaledAmansiTiEdlTTYl)anBIGkepJIrbs;xn edIm,ITUTat;cMnYnR)ak;[eTA
-100-
GkepJeI naHvij edayCUndMNgw GMBkI arbdiesFrbs;xn dl;Gk epIJ nigFnaKar

epImRbtibtikar ebIGkTaMgBIrenHCaFnaKarBIrepSgKa . karbdiesFnig
karTTYlsiTiBIGkepJI manlkNsVyRbvtitamc,ab; enAeBlNaEdl
FnaKarTTYlRtUv)anbiTTVaredayGaCJaFrRtYtBinit muneBlbBab;feFVIkar
rbs;FnaKarbnab;BI)anTTYlbBaaTUTat; .
3- enAeBl)anTTYlesckICUndMNwgBIkarbdiesF FnaKarepJI
nImYyEdlBMuEmnCaFnaKarepImRbtibtikar RtUvCUndMNwgdl;GkepJIrbs;xn
nigmansiTdi cU KaenH kg karTTYlkarTUTat;sgR)ak;BGI k epJeI naH . FnaKar
epJInImYyEdlBMuEmnCaFnaKarepImRbtibtikar RtUvCUndMNwgdl;GkepJIrbs;
xnGMBIkarbdiesFenaH min[hYsBIfeFVIkarrbs;FnaKar bnab;BIf)an
TTYlkarCUndMNwgGMBIkarbdiesF .
4- enAeBl)anTTYldMNgw BIkarbdiesF FnaKarepmI Rbtibtki ar
RtUvpl;dMNwgPam dl;GkepImRbtibtikarGMBIkarbdiesFenaH edaymin[
hYsBImYyfeFVIkarbnab;rbs;FnaKar nigGaccuHbRBaas\NTan Edl)an
kt;RtaCabeNaHGasnenARKamun eTAkgKNnIGkepImRbtibtikar bm:ag
eTotGacRbmUlBIGkepImRbtibtikarmkvij nUvkarTUTat;sgR)ak;Edl)an
eFVIenAeBlmun cMeBaHbBaaTUTat;enaH .
5- fVeI bImankfaxNTI2nmaRtaenHkI FnaKareKaledARtUvTTYl
xusRtUvcMeBaHmuxGkTTYl kgkarminTUTat;sgR)ak;edayxusqg enAeBl
NaEdlxn)anbdiesFbBaaTUTat;enaH edayminRtwmRtUvtamc,ab; beday
KanmUlehtuRsbc,ab;
- eTaHbICamankaryl;dwgGMBIsiTirbs;GkTTYlcMeBaHkar
epr\NBnkI
- eTaHbICamanGtsBaaNc,as;las; enAkgbBaaTUTat;
TTYledayFnaKar EdlmanKNnIGk TTYlehIykI nig
- eTaHbImansmtulRKb;RKan;kgKNnIkI .
-101-
6- ryeBlEdl)ankMNt;tammaRta 210 nigmaRta 211 n

c,ab;enH GacRtUv)anbRgYj edaykicRBmeRBog bbTbBaa .
maRta 211>enAeBlbBab;karepr\NBn FnaKareKaledAnigFnaKarTTYl
nImy
Y Edl)anTTYlkarsgR)ak;BFI naKarTTYlrbs;xn RtUvTTYlxusRtUv
cMeBaHGkepJIrbs;xn nUvcMnYnR)ak;Edlxn)anTTYlenaH . karsgR)ak;
edayFnaKareKaledA[eTAGkepJIrbs;xn RtUvmancMnYnesInwgxg;\NBn
Edl)ancuHenAelIKNnIGkTTYl nigRtUveFVIeLIgminhYsBIfeFVIkarrbs;
FnaKar bnab;BI)anbBab;karepr\NBnenaH . karsgR)ak;edayFnaKar
TTYldTeTot RtUveFVIeLIgminhYsBIfeFVIkarrbs;FnaKar bnab;BI)anTTYl
karTUTat;sgrbs;xn .
enAeBl)anTTYlR)ak;rYc nigCakmvtnkarcuHbRBaasenAkg
kfaxNTI 3 maRta 198 nc,ab;enH FnaKarepImRbtibtikar RtUv
CMBak;Gk epmI Rbtibtki arnUvcMnnY R)ak;Edlxn )anTTYl . kg krNIenH xg;
\NTanbeNaHGasnTaMgLay Edl)anpl;[eTAGkepImRbtibtikar RtUv
cUlCasaBr . muneBlEdl \NTancUlCasaBr BMuRtUvmankarTamTar
[FnaKarepImRbtibtikarpl;mUlniFi[eTAGkepImRbtibtikareT elIkElg
EtmankarRBmeRBogepSgBIenH karpl;ml
U niFN
i amYy muneBlmankarbBab;
karepr\NBn RtUvmanlkNbeNaHGasnrhUtdl;eBlbBab;Etmg .
maRta 212>enAeBlNaEdlkarepr\NBntamkarRbKl;siTi RtUv)aneFVI
eLIgedIm,IsgbMNul EdlGkTTYl)anCMBak;GkepImRbtibtikar elIkElg
EtmankarRBmeRBogepSgBIenHrvagPaKITaMgBIr bMNl
u nwgRtUv)ansgrYc enA
eBlNaEdlRbtibtikarTUTat;sgR)ak;RtUv)anbBab; . karrYcputBIbMNul
mankRmitRtwmcMnYnR)ak; Edl)anTUTat;sgenAeBlbBab;Rbtibtikar .
karsgbMNul RtUveFVIeLIgmuneBlbBab;RbtibtikarTUTat;sg
-102-
R)ak; RbsinebInigenAeBlNaEdlkarFanaelIkarTUTat;sgR)ak; RtUv)an

yl;RBmedayGkepmI Rbtibtki ar bRtUv)anbBaak;edayFnaKarepImRbtibtikareTAGkepImRbtibtki ar .
GkFana bFnaKarepImRbtibtikarEdl)anFanabbBaak;GMBIkar
TUTat;sgR)ak;eRkamkfaxNxagelI RtUvTTYlra:br; gTUTat;sgR)ak; nigkay
CaGkCMBak;cMeBaHGkepmI Rbtibtikar nUvcMnnY R)ak;Edl)anFana bbBaak;enaH.
EpkTI 6
karTTYlxusRtUv karxUcxat nigsMNg
maRta 213>karTTYlxusRtUvrbs;GkepJI RtUv)ankMNt;dUcxageRkam
1- buKl
CaGkepJRI tUvTTYlxusRtUv elIbBaasgR)ak; belIbBaa
bBab; Edlyl;RBmedayFnaKarTTYl enAeBlNaEdlbBaasgR)ak;
bbBaabBab;enaHRtUv)an
k- ecjedaybuKlenaH[eTAFnaKarTTYl
x- ecjedayGkTTYlsiTiBIbuKlenaH [eTAFnaKarTTYl
K-yl;RBmedayFnaKarTTYl GnuelamtamnItiviFIsuvtiPaB
smRsb EdlmanlkNBaNiCk m Edl)anRBmeRBog
rvagFnaKarnigbuKlenaH edIm,IBinit bBaak;BIyfaPaB
nbBaaTUTat; EdlbBaaedaybuKlenaH eTAkan;FnaKar
b
X-bBaak;yl;RBmedaybuKlenaH .
2- kfaxNTI 1-K nmaRtaenHBMuRtUv)anGnuvteT ehIybuKl
CaGkepJIbBaaTUTat; kBMuRtUvTTYlxusRtUvEdr enAeBlNaEdlbuKlenaH
bgajPstagfa xnmin)anTTYlplRbeyaCn_BIbBaasgR)ak; bBIbBaa
bBab; ehIykarecjbBaasgR)ak;bbBaabBab; edayKankarGnuBaatenaH
BMuRtUv)anbgeLIgeday
-103-
- buKlCaGkepJI bCndTeTot CaGkTTYlesckITukcit

RKb;eBlevla[eFVIkargar sRmab;buKlenH Bak;BneTA
nwgRbtibtikarTUTat;sgR)ak;bnItiviFIsuvtiPaB b
- CnNaEdl)anTTYlBIbuKlCaGkepJI bBIRbPBenAeRkam
karRKb;RKgrbs;bKu l
enH nUvlTPaBeRbIR)as;meFa)ay
bBansar bBtman RBmTaMgmeFa)ayeRbIR)as;kmviFI
sUhVEvr kMuBTr bmeFa)aydUcKaenH EdlgayRsYl
kgkarelIsnwgnItiviFIsuvtiPaB .
3- sRmab;eKalbMNgnkfaxNTI 1-K nmaRtaenH nItiviFI
suvtPi aBnwgRtUv)ancat;Tku fa smRsbtamlkNBaNiCk m ebIntI vi Fi eI nH
RtUv)aneRCIserIsedayGtifiCn pyBIkarENnaMrbs;FnaKar Edl)anesI
eLIgnUvnItiviFIsmRsb ehIyRtUv)anGtifiCnbdiesF .
maRta 214>enAeBlNaEdlkarepr\NTanRtUv)anbBab; GkepJIminRtUveFVI
[mankarxUcRbeyaCn_ dl;FnaKarTTYleT nigRtUvsgeTAFnaKarenaHvij
cMeBaHkarxatbg;epSg rhUtdl;cMnYnR)ak;nbBaaTUTat;cMNaysmRsb
tamlkNBaNiCkm esahuyRBmTaMgkarR)ak; .
enAkg karepr\NTan eTaHbICaFnaKarTTYl)anGnuvt nigman
karbBab;RbtibtikarTUTat;sgR)ak;rYcehIykI GkepJIBMumankarTTYlxusRtUv
eLIy cMeBaHFnaKarTTYl elIbBaaTUTat;EdlRtUv)anbBaneTAkan;FnaKar
TTYl edayGnuelamtamnItiviFIsuvtiPaBsRmab;ravrk nUvkarxusqg ehIy
EpkelIkRmit GnuBaatedayc,ab;rdb,evNI FnaKarTTYlRtUvmansiTiTarBI
GkTTYlmkvijnUvcMnYnR)ak; EdlGkepJIsg edayPnRcLM kgkrNI
- GkepJIKanbMNgepJIbBaaTUTat; GkepJImanbMNgbBaa[
sgR)ak; eTAGkTTYlepSg eRkABIGk EdlmanenAkg bBaa
TUTat; bbBaaTUTat;mancMnYnR)ak;FMCagcMnYnEdlGkepJI
-104-
manbMNgsg nig
- GkepJI bgajPstagfaxn)aneKarBtamnItiviFIsuvtiPaB
ehIykarPnRcLMGacnwg RtUv)anravrkeXIj ebIFnaKar
TTYl)aneKarBtamnItiviFIsuvtiPaBpgEdr .
enAkgkarepr\NBn GkepJInImYyFanacMeBaHFnaKarTTYlfa
bBaaTUTat;rbs;xn mankarGnuBaatRtwmRtUv nigRsbtamkarRbKl;sTi i Edl
manRbsiTPaBnigsuBlPaBrbs;GkepImRbtibtikarnigGkTTYl .
GkepJIbBaaTUTat;nigGkTTYl EdlGnuBaat[GkepImRbtibtikar
eFVkI arepr\NBnrmY TaMg karecjpSaymUlb,TanbRt RtUvmankarRbugRbyt
CanicedIm,ITb;sat;karEkgbnM nigkarecjpSay bkarEkERbbBaaTUTat;
edayKankarGnuBaatbedayKansiTiecjpSay nigedIm,IFanafa bBaaTUTat;
enaHmanlkNc,as;las;nigmanGtnyR)akdRbCa .
maRta 215>enAeBlNaEdlkarepr\NTanminRtUv)anbBab;eT edaymin
Kitdl;kh
M s
u EdlbNalmkBIEpkNamYy nGkcUlrYmkg Rbtibtki arTUTat;
sgR)ak;
1- GkepImRbtibtikarBMumankarTTYlxusRtUv cMeBaHmuxFnaKar
epImRbtibtikareT nigmansiTi[cuH\NTaneLIgvijelIKNnIrbs;xn tam
cMnYnR)ak;Edl)ancuH\NBn edIm,IsgcMnYnR)ak;kgbBaaTUTat; . elIsBI
enHeTot GkepImRbtibtikarRtUvmansiTiTamTarBIFnaKarepImRbtibtikar nUv
cMNayEdlsmRsbtamlkNBaNiCkm esahuyRBmTaMgkarR)ak;elI
cMnYnR)ak;Edl)ancuH\NTaneLIgvijenaH .
2- FnaKarepmI Rbtibtki arnigFnaKarGnrkarINamYy EdlGnuvt
bBaaBIGkepJIrbs;xn RtUv)anrYcputdUcKaenHEdr BIkarTTYlxusRtUvcMeBaH
muxFnaKarTTYlrbs;xn nigmansiTiTTYlsMNgerogxnBIFnaKarenaH
elIkElgEtcMNaynigesahuyepSg .
-105-
maRta 216>FnaKarTTYl RtUvTTYlxusRtUvcMeBaHcMNaysmRsbtamlkN

BaNiCkm esahuy karR)ak; karxUcRbeyaCn_nana rYmTaMgkarxatbg;
BIGRtabr R)ak;pgEdrebIman EdlbNalmkBIkaryWty:av bkh
M usrbs;xn
kgkarGnuvtbBaaTUTat; . GkepImRbtibtikarGacTamTarkarxatbg;enH
bmYyBIFnaKarepImRbtibtikar bBIFnaKarTTYl Edl)aneFVI[yWty:av b
EdlmankMhus . GkTTYlR)ak;GacTamTarkarxatbg; bmYyBIFnaKar
eKaledA bBIFnaKarTTYlEdl)aneFVI[yWty:av bEdlmankMhus .
FnaKarTTYl Edl)aneFVI[yWty:av bEdlmankMhus RtUvTTYlxusRtUv
sg[FnaKarepImRbtibtikar bFnaKareKaledA nUvcMnYnR)ak; EdlBYkeK
sgkarxUcxat .
elIsBIenHeTot FnaKarTTYl Edl
- BMu)anpl;dMNwgPamdl;GkepJI GMBIkarbdiesFrbs;xn
cMeBaHbBaaTUTat; b
- mankareFVsRbEhsFn;FrkgkarGnuvt bBMu)anGnuvtnUv
bBaaTUTat;
RtUvTTYlxusRtUvcMeBaHGkepImRbtibtikar elIkarxUcxatCak;EsgEdlGac
dwgmun EdlBMuelIsBIcMnYnR)ak;nbBaaTUTat;rbs;GkepImRbtibtikar eTaHbI
GkepImRbtibtikarCaGkepJI bminEmnGkepJIrbs;xnkI b:uEnGaRsyeday
GkepmI Rbtibtki arBumM ankareFVsRbEhsEdr . enAeBlEdlGacGnuvt)an
GkepJIkGacmansiTiTTYl cMnYnR)ak;nbBaaTUTat;Edl)ansgmkvij Gnuelam
tammaRta 215 nc,ab;enH .
GkepmI Rbtibtki armansiTTi TYlmkvij enAeRkamkfaxNT1I n
maRtaenH nUvcMnYnR)ak;TaMgRsugBIFnaKarepImRbtibtikar bBIFnaKarEdl
mankareFVsRbEhsFn;Fr . GaRsyedaykicRBmeRBog GnrFnaKar
FnaKarEdlTTYlxusRtUvenAeRkammaRtaenH mansiTiTamTarkarcUlrYm
-106-
cMENkTTYlxusRtUvBIPaKIepSgeTot eyagtamkRmitnkarbg[mankarxUc
xatrbs;PaKITaMgenaH .
enAkgkarepr\NBn karTTYlxusRtUvenAeRkammaRtaenH nig
kMrti kMNt;NamYyEdlBak;Bn minKitdl;karTTYlxusRtUvrbs;FnaKareKal
edAelIkarxusqgkg karminRBmTUTat;sgR)ak;enAeRkammaRta 2105 eT.
maRta 217>enAeBlNaEdlkarepr\NTanRtUv)anbBab; edaymankar
PnRcLMrbs;FnaKarTTYl EdlCaFnaKarmankMhus dUcCa karsgR)ak;
eTAGkTTYlBMu)aneFVIeLIg dUcEdl)anbBaaenAkgbBaaTUTat;rbs;GkepIm
Rbtibtikar CabEnmeTAelIsMNgmkvijenAeRkammaRta 216 nc,ab;enH
ebIGnuvt)an RtUvGnuvtviFan dUcteTA
1- enAeBlNaEdlcMnnY R)ak;sg[eTAGkTTYleRcInhYs btic
CagcMnnY R)ak;nbBaaTUTat;rbs;Gk epmI Rbtibtki ar karepr\NTanRtUvcat;
Tukfa)anbBab;kgcMnYnR)ak;Edl)ansg[eTAGkTTYl . enAelIbBaa
TUTat;nImYy GkepJInImYyRtUvTTYlxusRtUvcMeBaHmuxFnaKarTTYl kgcMnYn
R)ak;nbBaaTUTat;rbs;xn EdlnaM[
k- enAeBlNaEdlcMnYnR)ak;sg[eTAGkTTYl eRcInelIs
BIcnM nY R)ak;nbBaaTUTat;rbs;Gk epmI Rbtibtki ar FnaKar
mankMhs
u mansiTTi TYl)anmkvijBIGk TTYl nUvcMnnY R)ak;
EdlsgelIsenaH tamkarbwgEdlsiteRkamc,ab;enA
kEngCaTItaMgrbs;FnaKareKaledA nig
x- enAeBlNaEdlcMnYnR)ak;sg[eTAGkTTYl ticCag
cMnYnR)ak;nbBaaTUTat;rbs; GkepImRbtibtikar FnaKar
mankMhusRtUvsgR)ak; EdlxVH[eTAGkTTYl nigman
siTirkSaTukbTTYlkarTUTat;sgR)ak;BIGkepJIrbs;xn nUv
cMnYnR)ak;nbBaaTUTat;rbs;GkepImRbtibtikar .
-107-
2- enAeBlNaEdlkarsgR)ak;RtUv)aneFVI[eTAGkTTYl Edl
BMEu mnCaGkmaneQaHenAkg bBaaTUTat;rbs;GkepmI Rbtibtikar ehIyFnaKar
mankMhusBuMEmnCaFnaKareKaledAnbBaaTUTat;rbs;GkepImRbtibtikareT
enaH GkepImRbtibtikarnigGkepJIeTotmunFnaKarmankMhus nigGkTTYl
bBaaTUTat;rbs;GkepImRbtibtikar Gaccat;Tukfakarepr\NTanBMuTan;)an
bBab;eT . FnaKarmankMhusmansiTiRbmUlmkvijBIGkTTYlnUvcMnYnR)ak;
Edl)anTUTat;sg tamkarbwgEdlsiteRkamc,ab; nkEngCaTItaMgrbs;
FnaKareKaledA .
3- FnaKarmankMhusRtUvTTYlxusRtUv cMeBaHGkcUlrYmelIR)ak;
edIm karR)ak;RBmTaMgcMNay smRsbtamlkNBaNiCkm dUcCa
esahuycMNayFnaKar bcMNayTak;TgBtman EdlekIteLIgGMBIkarPn
RcLMenaH .
4- sRmab;karGnuvtmaRtaenH karPnRcLMGacekIteLIg bbg
eLIgedayGectna edaykareFVsRbEhsbedaykarEkgbnM .
maRta 218>enAeBlEdlkarepr\NBnRtUv)anbBab; edayBMuRsbtamkar
bBaa enAkgbBaaTUTat;rbs;GkepImRbtibtikar edaysarEtkarPnRcLM
rbs;FnaKarTTYl EdlCaFnaKarmankMhus CabEnmeTAelIsMNgmkvij
enAeRkamkfaxNTI 5 nmaRta 210 nigmaRta 216 nc,ab;enH ebI
Gnuvt)anRtUvGnuvtviFan dUcteTA
1- enAeBlNaEdlkarcuH\NBn elIKNnIGkTTYl nbBaa
TUTat;rbs;GkepImRbtibtikar mancMnYnR)ak;ticCagcMnYnkgbBaaTUTat;enH
FnaKarmankMhus RtUvTamTarcMnYnR)ak;EdlxVHBIGkTTYl ehIyRbKl;[
eTAGkepImRbtibtikar .
2- enAeBlNaEdlkarcuH\NBn elIKNnIGkTTYl nbBaa
TUTat;rbs;GkepImRbtibtikar mancMnYnR)ak;eRcInCagcMnYnkgbBaaTUTat;enH
-108-
FnaKareKaledARtUvcuH\NTanPamelIKNnIGkTTYl nUvcMnYnR)ak;Edl
elIsenaH . FnaKarmankMhusRtUvsgcMnYnR)ak; EdlelIs[eTAFnaKar
eKaledA nigTarcMnnY R)ak; elIsBIGk epmI Rbtibtki ar bGk cUlrYmdTeTot
eTAtamcMnYnR)ak;elIsEdl)anrkSaTuk .
3- enAeBlNamankarkt;Rta\NBn enAelIKNnIGkTTYl
mYyepSg eRkABIGk EdlmaneQaH enAkg bBaaTUTat;rbs;Gk epmI Rbtibtki ar
FnaKareKaledARtUvcuH\NTanPam elIKNnIGkTTYlenH nUvcMnYnR)ak;
Edl)ancuH\NBn nigRtUvcuH\NBnKNnIGkTTYlEdlmaneQaH enAkg
bBaaTUTat;rbs;GkepImRbtibtikartamcMnYnR)ak;nbBaaTUTat; .
4- enAeBlNaEdlmankarkt;Rta\NBn KNnIGkTTYlenAkg
FnaKareKaledAmYyepSg eRkABIFnaKarenAkgbBaaTUTat;rbs;GkepImRbtibtikar FnaKareKaledAenaHRtUvcuH\NTanKNnIGkTTYlenaHvij tamcMnYnR)ak;
dEdlnigTarR)ak;enHBIFnaKarmankMhus . FnaKarmankMhus RtUvTar
cMnYnR)ak;kgbBaaTUTat;rbs;GkepImRbtibtikarBIGkTTYlbBaaTUTat;rbs;
GkepImRbtibtikar .
5- enAeRkammaRtaenH karTarR)ak;RtUveFVtI amrykarepr\NBn
ehIykarsgR)ak;tamrykarepr\NTan .
6- FnaKarmankMhusRtUvTTYlxusRtUv cMeBaHGkcUlrYmNamYy
elIR)ak;edIm karR)ak; RBmTaMgcMNaysmRsbtamlkNBaNiCkm
dUcCa esahuycMNayFnaKar bcMNayTak;TgBtmanEdlekIteLIgBI
karPnRcLMenaH .
7- sRmab;karGnuvtmaRtaenH karPnRcLMGacekIteLIg bbgeLIg
edayGectna edaykareFVsRbEhsbedaykarEkgbnM .
EpkTI 7
KNnIFnaKar
maRta 219>-109-
eyagtamlkxNnkicRBmeRBog nigelIkElgEtkgkal
eTs EdlmanEcgenAkgkfaxNTI 2 nmaRtaenH smtul\NTayI
EdlmanRKb;RKan; GacnwgRtUvGtifCi ndkR)ak;ecjbFnaKareFVkI arsgR)ak;
tambBaaTUTat; . FnaKarBMuRtUv)anbgM[yl;RBm elIkardkR)ak;ecjBI
KNnIR)ak;beBaIelIskRmitsmtul\NTayI[GtifiCneLIy .
kfaxNxagelInmaRtaenH nwgBMuRtUvGnuvteLIy enAeBlNa
Edl
- smtul\NTayIenAkgKNnI KWCakmvtnbNwgtva:
karrwbGUs bnItiviFIRbhak;RbEhlenHrbs;\NTayk
- KNnIRtUv)anbiT BrTuk raMgxb;bbgk nig
- kg karGnuvtbBaaTUTat; bbBaa[dkR)ak;enaH FnaKarRtUv
elIsnwgc,ab;NamYy .
GtifCi nnigFnaKarGacRBmeRBogfa mUlniFEi dl)anbBan mk nig
)anTTYlCaR)ak;beBaI enAFnaKarsRmab;GtifiCn RtUvEt)anEbgEcktam
karbBaarbs;GtifiCn eTAkan;KNnImy
Y beRcInrbs;GtifCi nenaH . KNnI
nImYy RtUvCakmvtnkarcuHbBaIKNenyedayELkBIKa Bak;BneTAnwg
clnanmUlniFiEdl)anTTYlnig)ansgedayFnaKar sRmab;GtifiCn.
maRta 220>karebIkcMhBtm anenAeRkammaRtaenH RtUveFVeI LIgCalaylkN_
GkSr btameGLikRtUnik GaRsyelIkarRBmeRBogKa .
FnaKarRtUvebIkcMhBtmancMeBaHGtifiCnbcb,n nigGnaKt
tamTRmg;erobcMCaeRsc Edlgayyl; GMBIEbbbTniglkxNsRmab;
GnuvtRbtibtki arTUTat;sgR)ak; rYmTaMgesahy
u rbs;FnaKar nigebIman GMBI
eBlevla)a:n;sancaM)ac;sRmab;bBab;RbtibtikarTUTat;sgR)ak;enaH .
cMeBaHRbtibtki arTUTat;sgR)ak;NamYy bxg \; NBn b\NTan
epSgeTot Edl)ankt;RtacUlKNnI FnaKarRtUvpld; l;GtifCi nnUvBtm an
-110-
c,as;las; EdlGac[GtifiCnsmal;)ankardkR)ak; kardak;epJIR)ak; b

RbtibtikarTUTat;sgR)ak; rYmTaMgelxeyag kalbriecT esahuy nig
GRtabrR)ak; pgEdr ebIman .
elIkElgEtcMeBaHKNnIEdlmanesovePAR)ak;beBaI FnaKarRtUv
pl;[GtifCi nCaRbcaM kg ryeBlminelIsBImy
Y Ex nUvr)aykarN_KNnI
EdlbgajBIkarkt;RtacUlxg;\NTan nig\NBn cab;BIkalbriecTeFVI
r)aykarN_cugeRkay nigEdlpl;smtulcugRKapgEdr .
cMeBaHKNnIEdlmanesovePAR)ak;beBaI FnaKarRtUvsRmYl[
mankarkt;RtanUvclnafI eTAkgKNnICabnbnab; kgesovePAR)ak;beBaI
enH . karkt;RtaenHRtUvbgajBIxg;\NTan b\NBnnImYy Edl)an
eFVIeTAelIKNnIcab;taMgBIeBlkt;RtaRKamun nigbgajBIsmtulcugRKapg
Edr . GtifCi nRtUvykesovePAR)ak;beBamI k[FnaKarkt;RtaedayeTogTat;.
GtifiCnRtUvmankarRbugRbytCaTUeTA nigkarrYsran;kgkar Binit
elIr)aykarN_RbcaMRKaTaMgenaH RBmTaMgelIkarkt;RtaclnafIelIesovePA
R)ak;beBaI ehIypl;Btmandl;FnaKar GMBIPaBminRbRktIbmankartva:elI
karkt;Rta\NBn b\NTan . FnaKarRtUvCYydl;GtifCi nkg kartamdan
GegtelIPaBminRbRktI belIxg;\NBn b\NTanEdlmankartv:aenaH
edaypl;BtmanBak;BnTaMgGs;Edlman nigebIGaceFVIeTA)an eFVIkarEk
sRmYlnigEktRmUvcaM)ac; elIKNnIenaH .
maRta 221>karebIkcMhBtmanRtUv)ankMNt;tamviFIdUcxageRkamenH
1- FnaKarRtUvrkSakarsmat; nigBMuRtUvebIkcMhBtmanNamYy
GMBIKNnI[eTACnNamYy eRkABIGtifiCnCamas;KNnI elIkElgEt
k- enAeBlEdlkarebIkcMh RtUv)antRmUvedayc,ab;
x- enAeBlEdlplRbeyaCn_rbs;FnaKar tRmUv[mankar
ebIkcMh
-111-
K- enAeBlEdlkarebIkcMh RtUv)aneFVIeLIgedaymankaryl;
RBmBIGtifiCn
X- enAeBlEdlkarebIkcMh RtUv)aneFVIeLIgtamkaresIsMuCa
Biess BIFnaKarepSgeTot eRkamkarplm; tielIGtifCi nkg
dMeNIrGaCIvkmFmta b
g- enAeBlEdlGtifiCn min)aneKarBtamkatBVkicrbs;xn
cMeBaHFnaKar .
2- karebIkcMheRkamkfaxNTI 1-x nmaRtaenHnwgRtUv)aneFVI
eLIgEt
- enAeBlNaEdlmankarbwgpl;tampvtulakar EdlkgenH
FnaKarCaPaKImYy
- rvagFnaKarEdlmanTMnak;TnM gKaeTAvijeTAmk tamryrcna
sm<nnkmsiTirYm b:uEnenARtwmEtkRmitkarcaM)ac;smRsb
edIm,IkarBarFnaKarnigsm<njatirbs;xn Tl;nwgkarxatbg;
Etb:ueNaH kgkarpl;nUvesvaFnaKar b
- pSarPab;CamYyenH nigkgkarcaM)ac; karesIlk;FnaKarxn
g bmYyEpkFMnRTBsm,tirbs;xn .
3- minmankarebIkcMhNamYy RtUv)aneFVIeLIgeRkamkfaxNTI
1-X nmaRtaenHeLIy ebIGtifCi nbBab; karyl;RBm[ebIkcMhenH nig
elIkElgEtFnaKar)anBnl; [GtifCi nyl;GBM s
I Ti ri bs;xn kg karbBab;
nUvkaryl;RBmenaH . karBnl;enH GacRtUv)anpl;[GtifiCn kgeBl
ebIkKNnICamYyFnaKar .
4- karebIkcMheRkamkfaxNTI 1-g nmaRtaenH RtUvkRmit
cMeBaHkarpl;Btmandl;FnaKar bPak;gar\NTanNamYy edaymankar
yl;RBmBIFnaKarCatinkm<Ca enAeBlmankMhus nigenAeBlxkxan
rbs;GtifiCnedIm,ITUTat;sg pl;suvtiPaBRKb;RKan; bm:ageTot bMeBj
-112-
sMNUmBrrbs;FnaKarkgryeBlsamsib30f edaysMeNICalaylkN_GkSr[TUTat;sgkatBVkicEdlenACab;CMBak; .
5- sMNgkarxUcxatEdlekItmandl;GtifiCn cMeBaHkarRbRBwt
elIsnwgkatBVkiceRkammaRtaenH minRtUv)ankRmitRtwmEtkarxatbg;cMnYn
R)ak;enaHeT nigGacrYmbBalsMNgelIkarxUcRbeyaCn_ karrMxan bkar
b:HBal; EdlRtUv)anbgeLIg .
maRta 222>FnaKarminRtUvEkERbCaketaPaKI nUvlkx N
nkarRBmeRBogeT
elIkElgEt)anCUndMNwgdl;GtifiCn y:agticsamsib30f muneBl
EdlkarEkERbenaHmansuBlPaB . karEkERbEdlpynwgbTb,BatienH
BMumansuBlPaBeLIy .
maRta 223>edIm,ICacMNgnItanukl
U eTAelIGtifCi n kicR BmeRBogRtUvEtman
lkNRtwmRtUvRBmTaMgmanEcgBIsiTi nigkarTTYlxusRtUvc,as;las; nig
CaPasasamBa edayeRbIR)as;Pasac,ab;nigbeckeTs EtenAeBlNa
EdlcaM)ac;b:ueNaH .
FnaKarRtUvmankarRbugRbytCaRbcaMkgkarGnuvtbBaaTUTat;
nigral;bBaaepSgeTotrbs;GtifiCn .
GtifiCnRtUvmankarRbugRbyt edIm,IkarBarkarEkgbnM nigkar
ecjpSay bkarEkERbKanGnuBaatelIbBaaTUTat; nigelIbBaaepSgeTot
eTAFnaKar nigedIm,IFanafa bBaaTaMgenaHmanxmw sarc,as;las;ngi R)akd
RbCa .
FnaKar nigGtifiCn RtUvRbtibtiParkicEdlenAeRkamc,ab;enH
rYmTaMgbTb,Batinana nigkicRBmeRBogrbs;xnedaysucrit .
CakmvtnkRmitkMNt; bkarkMhitBiessNamYyEdlkMNt;
edayc,ab;enH bc,ab;epSgeTot FnaKarRtUvTTYlxusRtUvcMeBaHGtifiCn
-113-
ehIyGtifCi nRtUvTTYlxusRtUvcMeBaHFnaKar sRmab;karxatbg; bkarxUcxat

NamYy EdlbgeLIgBIkarRbRBwtelIsnwgParkiceRkamc,ab;enH .
maRta 224>FnaKarGacdkkRmBImUlniFibmUlbRtEdl)andak;epJI kgkar
pl;esvacMeBaHGtifCi n dUcCakarrkSasuvtPi aB karbBan nigkareprmUlniFi
CaR)ak;beBaIenAFnaKarCaedIm .
FnaKarGacRbmUlpMKNnInanarbs;GtifCi nEtmYy nigdkR)ak;
Edlmansmtul\NTayI enAkgKNnImYy edIm,I
- sgtambBaaTUTat;rbs;GtifCi n ebIKNnIEdlRtUvdkR)ak;
sRmab;bBaaTUTat;enaH BMumansmtulRKb;RKan;
- sgbMNulEdlGtifiCnCMBak;nigRtUvsg[eTAFnaKarenH
ebIkgkrNInImYyxagelI FnaKarBMu)andwgfa mUlniFienAkgsmtul
\NTayI Edl)andkenaH RtUv)anrkSaTuksRmab;bKu lepSgeTotenaHeT .
luHRtaEtmankarRBmeRBogepSgBIenH FnaKarGaceRbIR)as;ml
U niFi mUlbRt bsmtul\NTayIeRkammaRtaenH EtenAeBlNaEdl
mUlniFi mUlbRt bsmtul\NTayIenaH manTMenrsRmab;[GtifiCndk
ykPamb:ueNaH .
EpkTI 8
RbtibtikarnRbBnTUTat;sgR)ak;
maRta 225>FnaKarCatinkm<Ca mansiTiebIkKNnI[GtifiCnenAkgbBaI
rbs;xn rYmTaMgKNnITTU at; nigTTYlR)ak;beBaI BIFnaKarCarUby
i vtk g Rsuk
nigrUbiybN eTAtamEbbbTniglkxN dUcEdlmanEcgedaybTbBaa
bdUcEdl)anRBmeRBogKa .
maRta 226>FnaKarCatinkm<CaRtUvkMNt; erobcM seRmc pSBVpSayCa
saFarN nigRtYtBinitkarGnuvteKalneya)ayRbBnTUTat;sgR)ak; sMedA
-114-
beRmIplRbeyaCn_saFarNCnCaGtibrma . eKalneya)ayRbBnTUTat;
sgR)ak;RtUvmansgtPaBCamYynwgsg;darGnrCati . eKalneya)ay
enHRtUvelIkkm<s;suvtiPaB nigRbsiTPaBRbBnTUTat;sgR)ak; RtYtBinit
haniPy nigelIkkm<s;karRbkYtRbECgenAkgTIpSaresvakmTUTat;Edlman
sgtPaBCamYynwgesrPaBCaTUeTAnRbBnhirBavt .
maRta 227>FnaKarCatinkm<CaGac
- begItnigrkSaBtmansRmab;RbBnhirBavt enARBHraCa
NacRkkm<Ca
- dMeNIrkar RtYtBinit tamdankarGnuvt nigdak;bBatikmRbBnTUTat;sgR)ak;Cati sRmab;RbtibtikarTUTat;sg
R)ak; nigkardksac;R)ak; rYmTaMgRbBnpat;Tat; nig
TUTat;sRmab;karsgR)ak;CarUbiyvtkgRsuk nigCarUbiybNenARBHraCaNacRkkm<Ca
- rkSabBaIsRmab;mUlbRtEdl)anecjpSay begItmCmNldak;epJImUlbRt rkSaKNnIsRmab;mUlbRt Edl
)andak;epJI RBmTaMgdMeNIrkarRtYtBinti nigdak;bBatki m
RbBnpat;Tat; nigTUTat;sRmab;mUlbRt
- elIkkm<s; erobcM nigcUlrYmenAkgRbBnTUTat;sgR)ak;
pat;Tat; nigTUTat;CarUbiyvtkgRsuk nigCarUbiybN
- CYydl;bNaFnaKarkgkarerobcMnigeRbIR)as;]bkrN_
sRmab;karepJI dMeNIrkar nigkarTTYlbBaaTUTat;sRmab;
GtifiCnrbs;FnaKarTaMgenaH kdUcCasRmab;karpat;Tat;
nigTUTat;nkarsgR)ak;GnrFnaKar rYmTaMgkarsgR)ak;
edaymUlb,TanbRt nig]bkrN_TUTat;dTeTotCarUby
i vt
kgRsuk nigCarUbiybN
-115-
- dak;bBatikm RtYtBinit nigtamdankarGnuvt kdUcCa

kMNt;lk xN
nigkatBVkci n anasRmab;karplG; aJCabN
bkarcuHbBaI RbtibtikrnRbBnTUTat;sgR)ak; nigesva
rUbiyvtrYmTaMgsRmab;kareprR)ak; kardksac;R)ak; kar
dkR)ak;edaymUlb,TanbRt karrkSasuvtiPaBrUbiyvt
karbrR)ak; nigkarecjpSaybNTUTat;sgR)ak; nig
]bkrN_TUTat;sgR)ak;pgEdr nig
- begtI nItvi iFI nigdak;ecjbTbBaaBak;Bn n gw bBaaTaMgenaH
nigkarGnuvteKalneya)ayRbBnTUTat;sgR)ak;rbs;xn
enAeRkammaRta 226 nc,ab;enH .
bTbBaaEdl)andak;ecjedayGnuelamtammaRtaenH Gacpl;
suBlPaBdl;kicRBmeRBog pat;Tat;GnrFnaKarCaeTVnigBhuPaKI RBmTaMg
viFanTUTat;GnrFnaKar nigGackMNt;CaBiessfakicRBmeRBog bviFanTaMg
enHGacCMns
Y [c,ab;epSgeTotEdlmanxmw sarminRsbKaEdr eTaHCaTak;Tg
bminTak;Tgdl;bNwgGMBIGsaFnPaB . bTbBaaTaMgenaHkGacpl;kic
karBarTukCamun bkarkat;bnyhaniPyEdlpSarPab;CamYy karxkxan
BM)u anbBabk; arTUTat;ral;katBVkci EdlCalTplnkarpat;Tat;GnrFnaKar
CaBhuPaKIpgEdr .
edayBumM anb:HBal;dl;xmw sarTUeTAnmaRtaenH sMrab;Rbtibtki r
nRbBnTUTat;sgR)ak; esvarUbiyvt nigral;RbBnpat;Tat;nigTUTat;enA
eRkammaRtaenH FnaKarCatinkm<C aRtUvmanGMNacRKb;RKan; kg karRKb;RKg
Rbtibtki arTaMgenaH dUcmanEcgenAkg kfaxNTI11 maRtaTI7 nc,ab;sIB I
karerobcM nigkarRbRBwteTAnFnaKarCatinkm<Ca .
maRta 228>FnaKarRtUvmanlTPaBepJI TTYl nigdMeNIrkarbBaaTUTat; nig
bBaarbs;GtifiCnEdlBak;Bn rYmTaMgkardksac;R)ak; nigm:ageTotGac
-116-
cUlrYmenAkg Rbtibtki arTUTat;sgR)ak;pgEdr . FnaKarGaceFVIkick arenH

tamryGkdMeNIrkarttiyPaKImy
Y beRcIn dUcEdl)anRBmeRBogrvagFnaKar
nigGkdMeNIrkarttiyPaKI nigCakmvt nkatBVkci lkxN
nigkarrwtt,it
EdlGacmanEcgenAkgbTbBaaecjedayFnaKarCatinkm<Ca .
maRta 229>elIkElgEtmankarGnuBaatedayELkenAkg maRtaNamYy bTb,BatiTaMgLaync,ab;enH minGacERbRbYlbbdiesFedaykicRBmeRBogCa
eTV bBhuPaKIeLIy elIkElgEtkicRBmeRBogenaHGac
1- begInsiTirbs;GtifiCn drabNakarbegInenaH minb:HBal;
dl;siTirbs;buKldT
2- pl;[mansg;darsmRsb EdlbBaak;nUvkarRbugRbytCa
Fmtarbs;PaKInmI Yy kdUcCaviFIsaRssmRsb sRmab;plk; arENnaM nig
bTbBaaNamYyenAeRkamc,ab;enH RBmTaMgkicRBmeRBog
3- eFVI[ERbRbYlsiTi nigkatBVkicrvagnigkgcMeNamFnaKar
drabNakarERbRbYlenaH minb:HBal;dl;siTirbs;buKlNamYy EdlBMu
EmnCaPaKInkicRBmeRBog rYmTaMgGtifiCnminEmnFnaKarpgEdr .
CMBUkTI 6
eTasb,Bati
maRta 230>FnaKarCatinkm<C a mansiTpi n a eTasxagviny
EdltRmUvnig
GnuvtcMeBaHbuKlTaMgLay kgkarminTUTat;sgbMNulrbs;xn Bak;BnCa
mYy]bkrN_GacCYjdUr)annigbBaaTUTat; .
karRbRBwtelIsnwgbTbBaa EdlmanEcgkgkfaxNxagelIn
maRtaenH RtUvTTYlTNkmdUcxageRkam
- karRBman
-117-
- karsIbenas
- karhamXat;bkardak;kh
M ti kg karecjpSay]bkrN_Gac
CYjdUr)anNamYy bRKb;RbePT bkg karpls
; iTieFVkI arepr
\NBnsRmab;ryeBlminelIsBIdb;BIr 12Ex
- karbg;R)ak;Biny BIR)aMPaKry 5 eTAmYyryPaKry
100 ntmcarwkrbs; ]bkrN_bbBaaTUTat;Edlmin
)anTUTat;sgR)ak; b]bkrN_ bsiTiGMNacecjpSay
edayrMelaPelIkarhamXat;bkardak;kMhit .
enAeBlEdlBMumancMnYnR)ak;RKb;RKan; edIm,ITUTat;mUlb,TanbRtEdlmansuBlPaB FnaKar bharitEdlminTUTat;mUlb,TanbRtenH
RtUvkt;RtaehtukarN_minTUTat;nigraykarN_kgryeBlBIr 02f sIBIkar
minTUTat;sgR)ak;eTAFnaKarCatinkm<Ca . bharknmUlb,TanbRtmin
RtUv)anGnuBaat[ecjpSaymUlb,TanbRt bminRtUv)anpl;siTieFVIkarepr
NBnkgryeBldb;BIr12Ex . cMnnY R)ak;RKb;RKan;kgKNnI rYmman
mUlniFCi ak;EsgEdlbegtI )anCasmtulviCm anenAkg KNnI bRtUv)anpl;
eday\NTanvi)arUbn_ Edlbhark)anTTYlBIFnaKarbharit .
FnaKarCatinkm<Ca RtUvdMeNIrkarcuHbBaIkt;Rtaral;KNnI
FnaKar EdltamryenaH mUlb,TanbRtRtUv)anecjpSay nigkarepr
\NBnRtUv)aneFVI kdcU CakarraykarN_GBM IehtukarN_TaMgGs; ehIyecj
nUvkarRBman karsIbenas karhamXat;nigkardak;kMhiteRkammaRtaenH.
enAeBlecjkarRBman karsbI enas karhamXat;bkardak;kh
M ti FnaKar
Catinkm<CaRtUvCUndMNwgdl;FnaKarnImYy EdlenAkgenaH buKlEdl
TTYlTNkmTaMgenaHmanKNnI nigRtUvpl;BtmanTaMgenHdl;FnaKar ebI
mankaresIsMu .
FnaKar edaydwgBIkarhamXat;bkardak;kMhit Edl)andak;
ecjeRkamkfaxNTI 3 nmaRtaenH RtUvtRmUv[buKlEdlTTYlrgkar
-118-
hamXat; bkardak;kMhit RbKl;RtLb;mkvijCabnan; nUvmUlb,TanbRt

minTan;sresr nigminTan;eRbIR)as; RBmTaMgkarGnuBaat[eFVIebLanicy
tamkarepr\NBn EdlFnaKar)anRbKl;[xn . FnaKar edaydwgBI
karhamXat;bkardak;kh
M ti RtUvEtTTYlxusRtUvcMeBaH Gkkan;ml
U b,TanbRt
nigGkepImRbtibtikarnkarepr\NBn EdlRtUv)anecjpSaybRtUv)an
GnuBaat edaybuKlEdlTTYlrgkarhamXat;bkardak;kMhit tamcMnYn
R)ak;TaMgGs;nmUlb,TanbRt bnkarepr\NBn kalebImUlb,TanbRt
minTan;sresrbkarGnuBaat[eFVIebLanicy tamkarepr\NBnRtUv)an
RbKl;[eTAbuKl
EdlTTYlrgkarhamXat;bkardak;kMhit enAmuneBlEdl
FnaKar)andwgGMBIkarhamXat; bkardak;kMhitenaH )ancUlCaFrman .
karhamXat;bkardak;kh
M ti kg karecjpSaymUlb,TanbRt b
kgkarpl;siTieFVIkarepr\NBn RtUv)andkecjvij enAeBlNaEdl
FnaKarCatinkm<Ca)anTTYldMNwgfa karTUTat;RtUv)aneFVIeLIgtamsMNUm
BrGkkan; . karTUTat;enaHRtUvrYmbBalesahuycMNayrbs;FnaKar Edl
RtUvTUTat;[eTAFnaKar bharit karR)ak;ngi karxUcxat tamkRmitGb,brma
R)aMPaKry5ncMnYnR)ak;edIm EdlRtUvTUTat;[Gkkan; nigR)ak;Biny
cMnYnmYylan 1>000>000erol EdlRtUvTUTat;[FnaKarCatinkm<Ca.
FnaKarCatinkm<C aRtUvecjbTbBaasBI kI areFV[
I eBjeljnUvkatBVkci e nH .
maRta 231>buKlNaEdlRbRBwtelIs
- bTb,BatiNamYync,ab;enH
- bTbBaa esckIENnaM bviFanNamYyEdlecjeday
FnaKarCatinkm<Ca Bak;BnnigbBaaNamYyEdlmanEcg
enAkgbTbBaa esckIENnaM bviFanTaMgenaH
- edayminRBmpl;Btm antamkaresIseMu dayRsbc,ab; Edl
GnuBaatedayc,ab;enH
-119-
RtUvpnaeTasBinyCaR)ak;BIR)aM 05lanerol dl;db; 10lanerol

bRtUvpna eTasCab;BnnaKarBI BIr 2 qaM eTAR)aM 5 qaM bTTYleTas
TaMgBIr.
buKlNaEdl
- RbRBwtelIsnwgkarhamXat;bkardak;kMhit Edl)andak;
ecjenAeRkammaRta 230 nc,ab;enH
- pl;siTiGMNac[eFVIkareprR)ak;ecjBIKNnIrbs;xn eday
manbMNg[bBaaTUTat;enaH minRtUv)anTUTat;sg b
- EkbnM Ekgkay]bkrN_GacCYjdUr)an karGnuBaateFVeI bLa
nicy
edaykarepr\NBn bbBaaTUTat; nigkan;beRbIR)as;
edaydwgfa ]bkrN_GacCYjdUr)an karGnuBaat bbBaa
TUTat;TaMgenaH Ca]bkrN_EkbnMbEkgkay
RtUvpna eTasBiny
CaR)ak;cnM nY BIR)aM 05lan dl;hasib 50lanerol
nigRtUvpnaeTasCab;BnnaKarBI BIr 2qaM eTAR)aM 5qaM .
buKlNaEdl
- manectnaeFVI[xUcRbeyaCn_GkdT edaykarCMTas; bkar
dkR)ak;BIKNnIsRmab;TUTat;mUlb,TanbRt
- Cab;bMNulelI]bkrN_GacCYjdUr)an edaymanectnamin
TUTat;sg]bkrN_enaHenAeBldl;\NRbtiTan
- minbMeBjkatBVkiccMeBaH]bkrN_GacCYjdUr)an enAeBl
dl;\NRbtiTan edaymanbMNg nigedaymanectnaeFVI
[xUcRbeyaCn_GkdT
RtUvpnaeTasBinyCaR)ak;cMnYnBI BIr02landl;R)aMmYy 06lanerol
nigRtUvpnaeTasCab;BnnaKar BImYy 1 qaM eTAbI 3qaM edayminTan;Kit
dl;katBVkci T TU at;sgcMnnY R)ak; n]bkrN_GacCYjdUr)anenaHeTAGkkan;.
KankarbwgNamYyGacRtUveFVIRbqaMgnwgFnaKarCatinkm<Ca
-120-
mnI buKl
ki bfa k;dkw naMNamYyrbs;FnaKarCatinkm<C a bbKu lNamYy
EdleFVs
I kmPaBeRkamkardwknaMrbs;FnaKarCatinkm<C aeLIy cMeBaHkargar
NamYyEdl)aneFVI bxkxanmin)aneFVeI daysucrit enAkg karRbtibtGi N
M ac
bkatBVkicN
amYy EdlbMrugdak;[ bRtUv)andak;[GnuvtenAeRkamc,ab;enH.
maRta 232>kgCMBUkenH ]bkrN_GacCYjdUr)an dUcCa mUlb,TanbRt
rUbiyaNti nigbNsgtambBaa manrYmTaMg]bkrN_TaMgLayNa Edl
RtUv)aneRbIR)as; bRtUv)ancat;TukfamanmuxgardUcKa .
sRmab;karrMelaPedaynItibuKl karpnaeTasNamYykgCMBUk
enHGacRtUvGnuvtcMeBaHnaykNamak; nigmnItamzananuRkmnnItibuKlenaH.
kalebIkarrMelaPRtUv)aneFVIeLIgedayPak;garNamak; karpna
eTaseRkamCMBUkenHGactRmUveTAelI bGnuvtcMeBaHRbFan Pak;gar bTaMg
BIrRBmKa .
eTaseRkamCMBUkenH GaceFVIeLIgRtYtEfmelIKa nigminTan;Kit
dl;eTaseRkamc,ab;epSgeToteLIy .
CMBUkTI 7
Gvsanb,Bati
maRta 233>FnaKarCatinkm<C a RtUvdak;ecjnUvbTb,bBati viFan bTbBaa
nigesckIENnaM kdUcCanItiviFIRbtibtikarsRmab;karGnuvtc,ab;enH CaBiess
cMeBaH
- rcnasm<nCaksemaFansRmab;karsmal;nigkareFVI
cMNat;fak;KNnI
- KMrUnbBaaTUTat;
- sg;darsRmab;bBanbBaaTUTat;
-121-
- TRmg;nmUlb,TanbRt rUby
i aNti nigbNs
gtambBaa
kdcU CaTRmg;nksarepSgeTot EdlRtUvecjpSayeRkam
c,ab;enH bmYyedayPaKI bmnImansmtkic dUcCa
esckICUndMNwgbviruTvaT nignItiviFIEdlBak;Bn
- Parkic nItvi Fi I nigkarGnuvtrbs;FnaKarkg karTTYlbBaa
TUTat; nigbBaaepSgeTotrbs;GtifiCn nigdMeNIrkar
RbtibtikarTUTat;sgR)ak;
- kicRBmeRBogKNnIrbs;FnaKar nigBtmanEdlFnaKar
RtUvpl;[GtifiCn
- Btmansti Ei dlcaM)ac;sRmab;karGnuvtneya)ayrUby
i vt
[)ansmRsb nigmanRbsiTPaBEdlFnaKarRtUvpl;
[FnaKarCatinkm<Ca nig
- RbkarepSgeTotEdlmanEcgenAkgbTb,BatiedayELk
nc,ab;enH .
bTbBaaenHGacRtUv)aneFVs
I Rmab;karBarGtifCi n PaBsucrit nig
karGPivDRbBnTUTat;sgR)ak; nigkareRbIR)as;]bkrN_GacCYjdUr)anenA
kgRBHraCaNacRkkm<Ca . edIm,IeKalbMNgenH bTbBaaGacrwtt,it
dak;kMhitbhamXat;kareRbIR)as;mUlb,TanbRt bbBaaTUTat;epSgeTot
cMeBaHRbePTKNnI nigbuKlEdlRtUv)ankMNt; bdak;lkxNsRmab;kar
eRbIR)as;enH . bTbBaaEdlecjeRkamc,ab;enH kGacdak;kMhitkarTTYl
xusRtUvrbs;ktCn bdak;kMhitnigdak;lkxNdMbUgsRmab;karTTYlxusRtUv
enaH enAkgTMnak;TMngCamYy]bkrN_GacCYjdUr)an nigRbtibtikarTUTat;
sgR)ak; BI beTAKNnIEdleRbIR)as;Cabzm edIm,ImUlehtubKu l
bRKYsar
nigminEmn sRmab;eKaledAGaCIvkm .
bTbBaaEdlecjedayFnaKarCatinkm<C aeRkamc,ab;enH Gac
kMNt;sg;dar EdleRbIsRmab;vas;EvgkarGnuvtkatBVkicenAeRkamc,ab;enH
-122-
nigEkERbkgGMLgeBl bkalkMNt;cugeRkayNamYy sRmab;kareFVI b

mineFVIskmPaBEdlkMNt;eLIgedayc,ab;enH cMeBaHRbePTTaMgGs; bRbePT
edayELk nPaKIGkcUlrYm]bkrN_GacCYjdUr)an bRbtibtikarTUTat;sg
R)ak; .
bTbBaaEdlecjedayFnaKarCatinkm<CaeRkamc,ab;enH Ca
cMNg nItanukUlelIRKb;PaKITaMgGs;EdldMeNIrkarbBaaTUTat; nigbdiesF
ecalkicR BmeRBog EdlKansgtPaBrYmTaMgviFanpat;Tat;GnrFnaKareTA
tamkRmitminmansgtPaBenaH .
bTb,Bati viFan bTbBaa nigesckIENnaM Edlecjeday
FnaKarCatinkm<C aeRkamc,ab;enH GacRKb;RKgelIntI vi Fi I nigpl;srM ab;krM ti
kMNt;eBlevla siTi nigdMeNaHRsay kgkrNIEdlmanehtukarN_
bnan;epSgdUcCa kuBM Tr xUc bRbBnm ni dMeNIrkar EdlnaM[raMgsHdl;
RbtibtikarTUTat;sgR)ak; bkarGnuvtn_bBaaTUTat; . bTb,Bati viFan
bTbBaa nigesckIENnaMTaMgenaHGacBrTuknUvral;katBVkci nigkMritkMNt;
eBlevlasMrab;ryeBlnehtukarN_bnan;enaH .
bTbBaa nigesckIRbkasTaMgGs; sRmab;karGnuvtTeU TA Edl
ecjedayFnaKarCatinkm<Ca RtUvpSBVpSayenAkgraCkic . bTbBaa
nigesckRI bkasenaHnwgcUlCaFrmanenAfpSBVpSay benAfeRkaymkeTot
tamkarkMNt;Cak;lak;.
maRta 234>bTb,BatiTaMgLayNaEdlpynwgc,ab;enH RtUvcat;TukCanirakrN_ . kgkrNImanTMnas;rvagc,ab;enHnigc,ab;dTeTot eRkABIkrNI
EdlmanEcgCaBiessenAkg c,ab;enH bTb,Bati nc,ab;enHRtUvmanGanuPaB.
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-124-
Law on Negotiable Instrument & Payment Transaction

WE
NORODOM SIHAMONI
KING OF CAMBODIA
NS/RKM/1005/030
With reference to the Constitution of the Kingdom of Cambodia
With reference to the Royal Decree N NS/RKM/0704/124 of July 15, 2004,

regarding the formation of the Royal Government of Cambodia,
With reference to the Royal Kram N 02/NS/94 of July 20, 1994, promulgating the
Law on the Organization and Function of the Council of Ministers,
With reference to the Royal Kram N NS/RKM/0196/27 of January 26, 1996,

promulgating the Law on the Organization and Function of the National Bank of
Cambodia,
With reference to the request by the Prime Minister and the Governor of the National
Bank of Cambodia,
PROMULGATE
The Law on Negotiable Instruments and Payment Transactions as adopted by the National
Assembly on September 19, 2005 during its third session of the third legislature and ratified
by the Senate as to its entire form and legality on September 29, 2005 during its tenth plenary
session of the first legislature with the following provisions:
LAW ON NEGOTIABLE INSTRUMENTS AND PAYMENT TRANSACTIONS

24 October 2005
CHAPTER I GENERAL PROVISIONS
Article 1. This Law governs negotiable instruments and payment transactions and covers
bank accounts and the operation of the payment system.
1. Negotiable instruments are written orders or promises to pay a determinate sum
of money, transferable by delivery, and where required, also with endorsement. Negotiable
instruments governed by the Law are checks, bills of exchange, and promissory notes.
2. Payment transactions governed and defined by this Law are transfers of funds
between or from bank accounts. A payment transaction may be either a credit or debit
transfer. It is initiated by means of a payment order, which may be written, electronic, and
under some conditions, oral.
3. A payment system consists of institutions and mechanisms facilitating payment
in money and the transfer of monetary value by means of payment transactions.
Article 2. Definitions of technical words and terms used in this Law:
1. Vis major means an insurmountable obstacle, caused by a supervening event
beyond the control of the person who is to perform.
2. To issue is to write, sign and deliver a check, bill of exchange, or promissory
note to the first holder.
3. To draw is to write and sign a check or bill of exchange.
4. Settlement means the payment in discharge of an obligation on an interbank
payment order.
5. Presentment means the production of a check, bill of exchange or a promissory
note to demand acceptance or payment from the drawee or maker.
6. Execution in Chapter V means the carrying out of instructions contained in a
payment order by means of the issue of a corresponding payment order to a receiving bank.
7. Clearing means exchanging and processing interbank payment orders for the
purpose of establishing amounts owed by or to each bank for the settlement of payment
orders.
8. In-house transfer means a transfer of funds, from a payor to a payee at the
same bank, having one payment order. Participants in an in-house transfer are the
originator, bank acting both as originating and destination bank, and the receiver.
- 47 -
9. Interbank transfer means a transfer of funds from a payor to a payee in two

separate banks under at least two payment orders. In an interbank transfer:
(i) each receiving bank other than the destination bank executes its senders
payment order by issuing a corresponding payment order to a receiving bank, and
the last payment order is sent to the destination bank;
(ii) Participants are the originator, originating bank, destination bank and
the receiver, and may include one or more intermediary banks;
(iii) whenever the originating bank does not settle directly with the
destination bank at least one intermediary bank is required; and
(iv) for each interbank payment order, the sending bank settles with the
receiving bank as provided in Article 202.
10. Debit transfer means a payment transaction originated by the payee, based on
the payors authority, instructing the payees bank to collect money from the payors
account.
11. Credit transfer means a payment transaction originated by the payor, who
issues a payment order to the payors bank instructing it to transfer funds out of the payors
account to the payee or to the payees account.
12. Agreement in Section 7 of Chapter V means the contract between a bank and
customer, which governs the operation of account, including such matters as its duration,
modification and the payment orders.
13. Account means any account opened under a contract between a customer and
a bank, whether current, giro, or otherwise, and includes an account under an ad hoc
relationship created solely for the purpose of generating a single payment transaction.
14. Settlement account means the account that a bank maintains on the books of
the NBC for carrying out incoming and outgoing payment transactions.
15. Passbook account means an account under which debits and credits are
posted by the bank recording them in a passbook originally given by the bank to the
customer and presented to the bank for such recording by the customer.
16. By procuration means by limited authority to collect on behalf of the
transferor.
17. Electronically means by means of either on-line telecommunication or the
off-line physical delivery of tapes, diskettes, or similar devices.
18. Value in collection means value to be received by the transferor upon
collection or recovery on the instrument by the transferee.
19. Value in security or Value in pledge indicates transfer by way of security,
or a transfer intended to create a security interest, and not to convey title.
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20. Banking day means the part of the day during which the bank is open for the
receipt, processing, and transmittal of payment orders and other messages relating to
payment transactions.
21. Value date means the banking day on which a payment order is to be acted on
as instructed by the sender.
22. Bank includes the National Bank of Cambodia, any institution licensed to
carry out banking operations under the Law on Banking and Financial Institutions, and any
other institution or entity authorized by law to take deposits or participate in payment
transactions on the account of customers.
A branch or a separate office of a bank is considered a separate bank for the
purposes of (i) duties in the performance of a payment transaction, and (ii) computing the
time within which, or determining the place at or to which, action may be taken or notice
or order must be given.
23. Destination bank means the bank identified in a payment order in which
either payment to the payee in a credit transfer is to take place or the payor's account in a
debit transfer is held. It is the bank which is to receive the last payment order in a payment
transaction. In a credit transfer the destination bank is the payee's bank. In a debit transfer
the destination bank is the payor's bank.
24. Originating bank means the bank that receives the first payment order
initiating a payment transaction. In a credit transfer the originating bank is the payor's
bank. In a debit transfer the originating bank is the payee's bank.
25. Receiving bank means the bank to which the sender's payment order is
addressed.
26. Intermediary bank means a receiving bank other than the originating or
destination bank.
27. Security procedure means a procedure established by agreement between a
customer and a receiving bank for the purpose of (i) verifying that a payment or
cancellation order is that of the customer, or (ii) detecting an error in the transmission or
the content of the payment or cancellation order. A security procedure may require the use
of algorithms or other codes, identifying words or numbers, encryption, callback
procedures, or similar devices. Comparison of a signature on a payment order or
communication with an authorized specimen signature of the customer is not by itself a
security procedure.
28. Retour sans frais literally means return without charges, and signifies an
undertaking to honor, that is, to allow recourse against a party liable, without requiring the
holder to have a protest drawn up.
29. Payment order means an instruction given to a bank to pay or collect a
specific sum of money out of a designated account, to or for a payee, or to or for a payees
account, and includes any amendment to a payment order. It may be value-dated but not be
subject to a condition other than as the originating bank agreed to perform. Parties to a
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payment order are the sender and the receiving bank. Where the sender is a bank the
payment order is an interbank payment order.
30. Drawer means the person who gives the order to pay on a check or bill of
exchange.
31. Drawee means the person to whom the order to pay on a check or bill of
exchange is addressed.
32. Payment transaction means a transfer of funds from the payors account to
the payee or to the payees account. A payment transaction
May be either a credit or a debit transfer;
Is initiated by the originators payment order given to the originating bank,
instructing it to carry out the payment transaction;
Is carried out by the payors bank debiting the payors account, with the payees
bank either crediting the payees account or otherwise placing the funds at the payees
control and disposal as instructed by the originator;
May be a transfer of funds from a payor to a payee who may be the same or two
different individuals or legal entities; and
May be a transfer of funds in which the payors account is held, and payment to the
payee takes place, in either the same or two different banks.
33. Endorsement means a signature on the back of a negotiable instrument, with
or without qualifying words. An effective endorsement is completed by delivery.
34. Person includes an individual or legal entity.
35. Adequate cover for a payment order means the availability of sufficient
funds, namely the existence of an account balance not smaller than the amount of the
payment order, consisting of the closing balance of the previous banking day, plus credit
already posted to the payors account in the course of the current banking day for incoming
payments, deposits and remittances, less outgoing payments and disbursements already
occurring in the course of the current banking day, and anticipated bank charges. Funds
reflecting mere provisional credit to the payors account do not constitute part of the
required cover.
36. Funds includes cash and deposits kept in bank accounts.
37. Aval indicates a guarantee liability on a check, bill of exchange or
promissory note.
38. Foreign currency means any currency other than the domestic currency.
39. Domestic currency means the riel, or any successor or replacement as the
official currency of the Kingdom of Cambodia.
40. Protest or Prott is a solemn written declaration as to circumstances, such
as default in or refusal of acceptance, payment, or given visa, which entitle the holder to
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recourse on a negotiable instrument. A protest must be made as and when required by

specific provision of this law.
41. Acceptance means the engagement of the drawee of a bill of exchange to
comply with the drawer's order. To be effective it must be completed by delivery or
notification.
42. For collection in an endorsement indicates that the endorsement is not
designed to convey title but is for the purpose of facilitating collection or recovery on the
instrument by the transferee on behalf of the transferor.
43. Payee in Chapters II, III, and IV means the person in whose favor a check,
bill of exchange or promissory note is made payable upon issuance.
44. Customer means an individual, whether carrying on a business or not, or a
legal entity, including a bank, having an account with a bank.
45. Intervention for honor means the procedure under which a person who is not
liable on a negotiable instrument intervenes in order to accept or pay for the honor of any
party liable.
46. Maker of promissory note is the person who makes the promise to pay on a
promissory note.
47. Sender means the individual or legal entity giving a payment order to a
receiving bank.
48. Originator means the sender of the first payment order initiating the payment
transaction. In a credit transfer the originator is the payor. In a debit transfer the originator
is the payee.
49. Receiver means the participant whose bank is to receive the last payment
order in the payment transaction. In a credit transfer the receiver is the payee. In a debit
transfer the receiver is the payor.
50. Payee in Chapter V means the participant who is to receive payment in a
payment transaction and in a debit transfer includes the payees transferee under a valid
transfer, if applicable. It is the receiver in a credit transfer and the originator in a debit
transfer.
51. Payor means the participant who is to make payment in a payment
transaction. It is the originator in a credit transfer and the receiver in a debit transfer.
52. Overdraft facility means a line of a credit permitting the borrowing of funds
and their withdrawal or transfer by means of a check or payment order.
53. Maturity means the date on which a bill of exchange or promissory note
becomes due.
54. Recourse means the right to recover from a party liable on a negotiable
instrument.
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CHAPTER II-- CHECKS

SECTION 1THE DRAWING AND FORM OF A CHECK
Article 3. A check is an unconditional order in writing, addressed to a banker and signed

by the person giving the order, requiring the banker to pay a determinate sum of money to,
or to the order of a specified person or to bearer. It must be payable at sight and conform to
all requirements provided by this Chapter.
Article 4. A check is a payment instrument. It may be written in Khmer or any other
language and must contain:
-
The term check inserted in the body of the instrument and expressed in the
language employed in drawing up the instrument;
An unconditional order to pay a determinate sum of money;
The name of the banker who is to pay (drawee);
A statement of the place where payment is to be made;
A statement of the date when and the place where the check is drawn;
The signature of the person who gives the order on the check (drawer).
Article 5. An instrument in which any of the requirements mentioned in the preceding

article is wanting is invalid as a check, except in the cases specified in the following
paragraphs:
1. In the absence of special mention, the place specified beside the name of the
drawee is deemed to be the place of payment. If several places are named beside the name
of the drawee, the check is payable at the first place named.
2. In the absence of these statements, and of any other indication, the check is
payable at the place where the drawee has his principal establishment.
3. A check which does not specify the place at which it was drawn is deemed to
have been drawn in the place specified beside the name of the drawer.
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Article 6. A check must be drawn on a banker holding funds at the disposal of the drawer
and in conformity with an agreement express or implied, whereby the drawer is entitled to
dispose of those funds by check. Nevertheless, if these provisions are not complied with,
the instrument is still valid as a check.
Article 7.
1. A check cannot be accepted. A statement of acceptance on a check shall be
disregarded.
2. A check does not operate as an assignment of funds in the hands of the drawee
available for payment thereof and the drawee of a check is not liable to the holder.
Article 8.
1. A check may be made payable:
a. To a specified person with or without the express clause to order, or
b. To a specified person, with the words not to order or equivalent words, or
c. To bearer.
2. A check made payable to a specified person with the words or to bearer, or any
equivalent words, is deemed to be a check to bearer.
3. A check which does not specify the payee is deemed to be a check to bearer.
Article 9.
1. A check may be drawn to the drawer's own order.
2. A check may be drawn for account of a third person.
3. A check may not be drawn on the drawer himself unless it is drawn by one
establishment on another establishment belonging to the same drawer.
Article 10. Any stipulation concerning interest which may be embodied in the check shall
be disregarded.
Article 11. A check may be payable at the domicile of a third person either in the locality
where the drawee has his domicile or in another locality, provided that such third person is
a banker.
Article 12.
1. Where the sum payable by a check is expressed in words and also in figures, and
there is any discrepancy, the sum denoted by the words is the amount payable.
2. Where the sum payable by a check is expressed more than once in words or more
than once in figures, and there is any discrepancy, the smaller sum is the sum payable.
Article 13. If a check bears signatures of persons incapable of binding themselves by a
check, or forged signatures, or signatures of fictitious persons, or signatures which for any
- 53 -
other reason cannot bind the persons who signed the check or on whose behalf it was
signed, the obligations of the other persons who have signed it are none the less valid.
Article 14. Whoever puts his signature on a check as representing a person for whom he
had no power to act is bound himself as a party to the check and, if he pays, has the same
rights as the person for whom he purported to act. The same rule applies to a representative
who has exceeded his powers.
Article 15. The drawer guarantees payment. Any stipulation by which the drawer releases
himself from this guarantee shall be disregarded.
Article 16. If a check which was incomplete when issued has been completed otherwise
than in accordance with the agreements entered into, the non-observance of such
agreements may not be set up against the holder unless he has acquired the check in bad
faith or, in acquiring it, has been guilty of gross negligence.
SECTION 2 ENDORSEMENT
Article 17.
1. A check made payable to a specified person, with or without the express clause
to order, may be transferred by means of endorsement.
2. A check made payable to a specified person, in which the words not to order or
any equivalent expression have been inserted, can only be transferred according to the
form and with the effects of an ordinary assignment.
3. A check may be endorsed even to the drawer or to any other party to the check.
These persons may re-endorse the check.
Article 18.
1. An endorsement must be unconditional. Any condition to which it is made
subject shall be disregarded.
2. A partial endorsement is null and void.
3. An endorsement by the drawee is also null and void.
4. An endorsement to bearer is equivalent to an endorsement in blank.
5. An endorsement to the drawee has the effect only of a receipt, except in the case
where the drawee has several establishments and the endorsement is made in favor of an
establishment other than that on which the check has been drawn.
Article 19.
1. An endorsement must be written on the back of the check or on a slip affixed
thereto (allonge). It must be signed by the endorser.
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2. The endorsement may leave the beneficiary unspecified or may consist simply of
the signature of the endorser (endorsement in blank).
Article 20.
1. An endorsement transfers all the rights arising out of a check.
2. If the endorsement is in blank, the holder may:
a. Fill up the blank either with his own name or with the name of some other
person;
b. Re-endorse the check in blank or to some other person;
c. Transfer the check to a third person without filling up the blank and
without endorsing it.
Article 21.
1. In the absence of any contrary stipulation, the endorser guarantees payment.
2. He may prohibit any further endorsement; in this case he gives no guarantee to
the persons to whom the check is subsequently endorsed.
Article 22. The possessor of an endorsable check is deemed to be the lawful holder if he
establishes his title to the check through an uninterrupted series of endorsements, even if the
last endorsement is in blank. In this connection cancelled endorsements shall be disregarded.
When an endorsement in blank is followed by another endorsement, the person who signed
this last endorsement is deemed to have acquired the check by the endorsement in blank.
Article 23. An endorsement on a check to bearer renders the endorser liable in accordance
with the provisions governing the right of recourse; however, it does not convert the
instrument into a check to order.
Article 24. Where a person has, in any manner whatsoever, been dispossessed of a check,
whether it is a check to bearer or an endorsable check to which the holder establishes his
right in the manner mentioned in Article 22, the holder into whose possession the check
has come is not bound to give up the check unless he has acquired it in bad faith or unless
in acquiring it he has been guilty of gross negligence.
Article 25.
1. Persons sued on a check cannot set up against the holder defenses founded on
their personal relations with the drawer or with previous holders, unless the holder in
acquiring the check has knowingly acted to the detriment of the debtor.
2. Paragraph 1does not apply to a check made payable to a specified person, in
which the words not to order or any other equivalent expression have been inserted.
Article 26.
1. When an endorsement contains the statement value in collection (valeur en
recouvrement), for collection (pour encaissement), by procuration (par
- 55 -
procuration), or any other phrase implying a simple mandate, the holder may exercise all
rights arising out of the check, but he can re-endorse it only in his capacity as agent.
2. In this case the parties liable can only set up against the holder defenses which
could be set up against the endorser.
3. The mandate contained in an endorsement by procuration does not terminate by
reason of the death of the party giving the mandate or by reason of his becoming legally
incapable.
Article 27.
1. An endorsement after protest or after an equivalent declaration or after the
expiration of the limit of time for presentment
i. Operates only as an ordinary assignment; and
ii. Does not operate to give rights under Articles 22, 24, and 25.
2. Failing proof to the contrary, an undated endorsement is deemed to have been
placed on the check prior to the protest or equivalent declaration or prior to the expiration
of the limit of time referred to in the preceding paragraph.
SECTION 3 AVALS
Article 28.
1. Payment of a check may be guaranteed by an aval as to the whole or part of its
amount.
2. This guarantee may be given by a third person other than the drawee, or even by
a person who has signed the check.
Article 29.
1. An aval may be given either on the check itself or on an allonge.
2. It is expressed by the words good as aval, or by any other equivalent formula.
It is signed by the giver of the aval.
3. It is deemed to be constituted by the mere signature of the giver of the aval,
placed on the face of the check.
4. An aval must specify for whose account it is given. In default of this, it is
deemed to be given for the drawer.
Article 30.
1. The giver of an aval is bound in the same manner as the person for whom he
has become guarantor.
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2. His undertaking is valid even when the liability which he has guaranteed is
inoperative for any reason other than defect of form.
3. He has, when he pays the check, the rights arising out of the check against the
person guaranteed and against those who are liable to the latter on the check.
SECTION 4PRESENTMENT AND PAYMENT
Article 31.
1. A check is payable at sight. Any contrary stipulation shall be disregarded.
2. A check presented for payment before the date stated as the date of issue is
payable on the day of presentment.
Article 32.
A check must be presented for payment within six months of its date.
Article 33. Where a check is drawn in one place and is payable in another having a
different calendar, the day of issue shall be construed as being the corresponding day of the
calendar of the place of payment.
Article 34. The presentment of a check either at or through a clearing-house, or
electronically, as provided by agreement or regulations issued by the National Bank of
Cambodia, is an effective presentment for payment.
Article 35.
1. Payment on a check may be countermanded without prejudice to the rights of the
holder.
2. If payment on a check has not been countermanded, the drawee may pay it even
after the expiration of the time limit for presentment.
Article 36.
Neither the death of the drawer nor his incapacity taking place after the issue of the
check shall have any effect as regards the check.
Article 37.
1. The drawee who pays a check may require that it shall be given up to him
receipted by the holder.
2. When there is insufficient cover in the drawers account the holder may not
refuse partial payment.
3. In case of partial payment the drawee may require that the partial payment shall
be mentioned on the check and that a receipt shall be given to him.
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Article 38.
The drawee who pays an endorsable check is bound to verify the regularity of the
series of endorsements, but not the signature of the endorsers.
Article 39.
1. A check is deemed to be an authorization given to the drawee to pay in the
currency of the account on which it is drawn.
2. When a check is drawn payable in a currency which is not that of the account,
the sum payable may be paid by the drawee in the currency of the account according to its
value on the date of payment.
3. If a check drawn payable in a currency which is not that of the place of payment
has not been paid on presentment, the holder may at his option demand from a party liable
that payment of the amount of the check be made in the currency of the place of payment
according to the rate on the day of presentment or on the day of payment.
4. The usage of the place of payment shall be applied in determining the value of
foreign currency. Nevertheless, the drawer may stipulate that the sum payable shall be
calculated according to a rate expressed in the check.
5. Notwithstanding paragraph 3, a check either drawn payable in a currency which
is widely accepted in Cambodia, or in which the drawer has stipulated that payment must
be made in a certain specified foreign currency, may be enforced by the holder against any
party liable in the stated currency.
6. If the amount of the check is specified in a currency having the same
denomination, but a different value in the country of payment and the country of issue or
any other country, unless specifically indicated otherwise, where the currency is not that of
the account, reference in the check is deemed to be made to the currency of the country of
payment. Where the currency of the country of payment does not have the same
denomination, reference is deemed to be made to a currency which is widely accepted in
the place of payment.
SECTION 5CROSSED CHECKS AND CHECKS PAYABLE IN ACCOUNT
Article 40.
1. The drawer or holder of a check may cross it with the effects stated in the next
article hereof.
2. A crossing takes the form of two parallel lines drawn on the face of the check.
The crossing may be general or special.
3. The crossing is general if it consists of the two lines only or if between the lines
the term banker or some equivalent is inserted; it is special if the name of a banker is
written between the lines.
- 58 -
4. A general crossing may be converted into a special crossing, but a special

crossing may not be converted into a general crossing.
5. The alteration either of a crossing or of the name of the banker shall be regarded
as not having taken place.
Article 41.
1. A check which is crossed generally can be paid by the drawee only to a banker or
to a customer of the drawee.
2. A check which is crossed specially can be paid by the drawee only to the named
banker, or if the latter is the drawee, to his customer. Nevertheless the named banker may
procure the check to be collected by another banker.
3. A banker may not acquire a crossed check except from one of his customers or
from another banker. He may not collect it for the account of other persons than the
foregoing.
4. A check bearing several special crossings may not be paid by the drawee except
in a case where there are two crossings, one of which is for collection through a clearing house.
5. The drawee or banker who fails to observe the above provisions is liable for
resulting damage up to the amount of the check.
Article 42.
1. The drawer or the holder of a check may forbid its payment in cash by writing
transversally across the face of the check the words payable in account ( porter en
compte) or a similar expression.
2. In such a case the check can only be settled by the drawee by means of bookentry such as credit in account, transfer from one account to another, set off or clearinghouse settlement. Settlement by bookentry is equivalent to payment.
3. Any obliteration of the words payable in account shall be deemed not to have
taken place.
4. The drawee who does not observe the foregoing provisions is liable for resulting
damage up to the amount of the check.
SECTION 6RECOURSE FOR NON-PAYMENT
Article 43.
The holder may exercise his right of recourse against the endorsers, the drawer and
the other parties liable if the check on presentment in due time is not paid, and if the
refusal to pay is evidenced:
1. By a protest or any other formal instrument, or
- 59 -
2. By a declaration dated and written by the drawee specifying the day of

presentment, or
3. By a dated declaration made by a clearing-house, stating that the check has been
delivered in due time and has not been paid.
Article 44.
1. A protest shall be signed by an officer legally authorized to authenticate
documents. As long as no such person has been designated by law he shall be designated
by the National Bank of Cambodia. A protest must contain a copy of the check, or the
original check may be annexed thereto, and specify the person at whose request the check
is protested, the place and date of the protest, the cause or reason for protesting the check,
the demand made and the answer given, if any, or the fact that the drawee cannot be found.
It shall be made at the place of the refusal to pay or accept or at some other place in
Cambodia situated within 10 kilometers of the place of presentment and refusal to pay or
accept.
2. The protest or equivalent declaration must be made before the expiration of the
limit of time for presentment.
3. If the check is presented on the last day of the limit of time, the protest may be
drawn up or the equivalent declaration made on the first business day following.
4. After the expiration of the limits of time fixed for drawing up the protest for nonpayment, the holder loses his right of recourse against parties liable on the check but may
sue the drawer under the Law of contract and ordinary assignment, in an action governed
by the Law of contract and assignment. Any recovery under this paragraph is reduced by
damages for any injury caused to the drawer by the holder's failure to meet required limits
of time.
Article 45.
1. The holder must give notice of non-payment to his endorser and to the drawer
within the four business days which follow the day on which the protest is drawn up or the
equivalent declaration is made or, in case of a stipulation retour sans frais, retour sans
prott, or any other equivalent expression, the day of presentment. Every endorser must,
within the two business days following the day on which he receives notice, inform his
endorser of the notice which he has received, mentioning the names and addresses of those
who have given the previous notices and so on through the series until the drawer is
reached. The periods mentioned above run from the receipt of the preceding notice.
2. When, in conformity with the preceding paragraph, notice is given to a person
who has signed a check, the same notice must be given within the same limit of time to his
avaliseur.
3. When an endorser either has not specified his address or has specified it in an
illegible manner, it is sufficient if notice is given to the endorser preceding him.
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4. The person who must give notice may give it in any form whatever, even by
simply returning the check.
5. He must prove that he has given notice within the limit of time prescribed. This
time-limit shall be regarded as having been observed if a letter giving the notice has been
posted within the said time.
6. A person who does not give notice within the limit of time prescribed above is
liable for the damage, if any, caused by his negligence, but the amount of his liability shall
not exceed the amount of the check.
Article 46.
1. The drawer , an endorser, or an avaliseur may, by the stipulation retour sans
frai,, retour sans prott, or any other equivalent expression written on the instrument
and signed, release the holder from having a protest drawn up or an equivalent declaration
made in order to exercise his right of recourse.
2. This stipulation does not release the holder from presenting the check within the
prescribed limit of time, or from giving the requisite notices. The burden of proving the
non-observance of the limit of time lies on the person who seeks to set it up against the
holder.
3. If the stipulation is written by the drawer, it is operative in respect of all persons
who have signed the check; if it is written by an endorser or an avaliseur, it is operative
only in respect of such endorser or avaliseur. If, in spite of the stipulation written by the
drawer, the holder has the protest drawn up or the equivalent declaration made, he must
bear the expenses thereof. When the stipulation emanates from an endorser or avaliseur,
the costs of the protest or equivalent declaration, if drawn up or made, may be recovered
from all the persons who have signed the check.
Article 47.
1. All the persons liable on a check are jointly and severally bound to the holder.
2. The holder has the right to proceed against all these persons individually or
collectively without being compelled to observe the order in which they have become
bound.
3. The same right is possessed by any person signing the check who has taken it up
and paid it.
4. Proceedings against one of the parties liable do not prevent proceedings against
the others, even though such other parties may be subsequent to the party first proceeded
against.
Article 48.
The holder may claim from the party against whom he exercises his right of recourse:
1. The unpaid amount of the check;
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2. Interest at a rate determined by the National Bank of Cambodia as from the date
of presentment;
3. The expenses of the protest or equivalent declaration, and of the notices given as
well as other expenses.
Article 49. A party who takes up and pays a check can recover from the parties liable to him:
1. The entire sum which he has paid;
2. Interest on the said sum calculated at a rate determined by the National Bank of
Cambodia, as from the day on which he made payment;
3. Any expenses which he has incurred.
Article 50.
1. Every party liable against whom a right of recourse is, or may be, exercised, can
require against payment, that the check shall be given up to him with the protest or
equivalent declaration and a receipted account.
2. Every endorser who has taken up and paid a check may cancel his own
endorsement and those of subsequent endorsers.
Article 51.
1. Should the presentment of the check or the drawing up of the protest or the
making of the equivalent declaration within the prescribed limits of time be prevented by
an insurmountable obstacle (vis major), these limits of time shall be extended.
2. The holder is bound to give notice without delay of the case of vis major to his
endorser and to make a dated and signed declaration of this notice, on the check or on an
allonge; in other respects, the provisions of Article 45 shall apply.
3. When vis major has terminated, the holder must without delay present the check
for payment and, if need be, procure a protest to be drawn up or an equivalent declaration
made.
4. If vis major continues to operate beyond fifteen days after the date on which the
holder, even before the expiration of the time-limit for presentment, has given notice of vis
major to his endorser, recourse may be exercised and neither presentment, not a protest nor
an equivalent declaration, shall be necessary.
5. Facts which are purely personal to the holder or to the person whom he has
entrusted with the presentment of the check or the drawing up of the protest or the making
of the equivalent declaration are not deemed to constitute cases of vis major.
6. Liability on a check that has been lost or destroyed may be enforced only against
security provided by the party enforcing the check, which to the satisfaction of the court
indemnifies the party liable on it against any claim of any other person on the check if it
reaches a holder who acquires it otherwise than in bad faith or gross negligence.
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SECTION 7- CHECK COLLECTION

Article 52.
1. Where a check is delivered to a banker for deposit to the credit of the customer
and the banker credits him with the amount of the check, the banker acquires all the rights
and powers of a holder of the check.
2. Unless otherwise agreed, credit so posted to the account is provisional, and the
banker may debit the account or shall otherwise have recourse from the customer if the
check is not paid. Unless otherwise agreed, any withdrawal of such provisional credit is at
the bankers sole discretion and subject to charge-back or recourse from the customer if the
check is not paid.
3. Regardless of the lack of any defect, restriction or limitation in, or form or type
of, customers endorsement, the bankers rights under paragraph 1 are:
i. As if he is the possessor of an endorsable check under Article 22, and
ii. Notwithstanding anything to the contrary in Article 26 where it otherwise
applies.
Article 53.
The delivery of a check to a banker for collection is a payment order governed by
Chapter V of this Law. In case of an inconsistency with respect to a check between a provision
of Chapter V of this Law and a provision of this Chapter, this Chapter prevails.
SECTION 8ALTERATIONS
Article 54. In case of alteration of the text of a check, parties who have signed subsequent
to the alteration are bound according to the terms of the altered text; parties who have
signed before the alteration are bound according to the terms of the original text.
SECTION 9LIMITATION OF ACTIONS OF RECOURSE
Article 55.
1. Actions of recourse by the holder against the endorsers, the drawer and the other
parties liable are barred after six months as from the expiration date of the limit of time
fixed for presentment.
2. Actions of recourse by the different parties liable for the payment of a check
against other such parties are barred after six months as from the day on which the party
liable has paid the check or the day on which he was sued thereon.
Article 56. Interruption of the period of limitation under Article 55 is only effective
against the person in respect of whom the period has been interrupted.
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SECTION 10TIME CALCULATIONS

Article 57.
1. The presentment or protest of a check may only take place on a business day.
2. When the last day of the limit of time prescribed by the Law for performing any
act relating to a check, and particularly for the presentment or for the drawing up of a
protest or the making of an equivalent declaration, is a legal holiday, the limit of time is
extended until the first business day which follows the expiration of that time. Immediate
holidays are included in computing limits of time.
Article 58. The limits of time stipulated in the present Chapter shall not include the day on
which the period commences.
Article 59. No days of grace, whether legal or judicial, are permitted.
CHAPTER IIIBILLS OF EXCHANGE
SECTION 1ISSUE AND FORM OF A BILL OF EXCHANGE
Article 60. A bill of exchange is an unconditional order in writing, addressed by one
person to another, signed by the person giving it, requiring the person to whom it is
addressed to pay a determinate sum of money to, or to the order of, a specified person, or
to bearer. It must be payable at a maturity and conform to all requirements as provided by
this Chapter.
Article 61. A bill of exchange is a credit instrument. It may be written in Khmer or any
other language and must contain:
-
The term bill of exchange or draft inserted in the body of the instrument
and expressed in the language employed in drawing up the instrument;
An unconditional order to pay a determinate sum of money;
The name of the person who is to pay (drawee);
A statement of the time of payment;
The name of the person to whom or to whose order payment is to be made;
A statement of the date and of the place where the bill is issued;
The signature of the person who gives the order on the bill (drawer).
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article is wanting is invalid as a bill of exchange, except in the cases specified in the
following paragraphs:
1. A bill of exchange in which the time of payment is not specified is deemed to be
payable at sight.
2. In default of special mention, the place specified beside the name of the drawee
is deemed to be the place of payment, and at the same time the place of the domicile of the
drawee.
3. A bill of exchange, which does not mention the place of its issue, is deemed to
have been drawn in the place mentioned beside the name of the drawer.
4. A bill of exchange may be drawn payable to bearer. A bill of exchange which
does not contain the name of the person to whom or to whose order payment is to be made
is deemed to be made payable to bearer.
Article 63. A bill of exchange may be drawn payable to drawer's order. It may be drawn
on the drawer himself or for account of a third person.
Article 64. A bill of exchange may be payable at the domicile of a third person either in
the locality where the drawee has his domicile or in another locality.
Article 65.
1. When a bill of exchange is payable at sight, or at a fixed period after sight, the
drawer may stipulate that the sum payable shall bear interest. In the case of any other bill
of exchange, this stipulation is deemed not to be written (non crite).
2. The rate of interest must be specified in the bill; in default of such specification,
the stipulation shall be deemed not to be written (non crite).
3. Interest runs from the date of the bill of exchange, unless some other date is
specified.
Article 66.
1. When the sum payable by a bill of exchange is expressed in words and also in
figures, and there is a discrepancy between the two, the sum denoted by the words is the
amount payable.
2. Where the sum payable by a bill of exchange is expressed more than once in
words or more than once in figures, and there is a discrepancy, the smaller sum is the sum
payable
Article 67. If a bill of exchange bears signatures of persons incapable of binding
themselves by a bill of exchange, or forged signatures, or signatures of fictitious persons,
or signatures which for any other reason cannot bind the persons who signed the bill of
exchange or on whose behalf it was signed, the obligations of the other persons who signed
it are nonetheless valid.
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Article 68. Whosoever puts his signature on a bill of exchange as representing a person for
whom he had no power to act is bound himself as a party to the bill and, if he pays, has the
same rights as the person for whom he purported to act. The same rule applies to a
representative who has exceeded his powers.
Article 69.
1. The drawer guarantees both acceptance and payment.
2. He may release himself from guaranteeing acceptance but may not release
himself from guaranteeing payment.
Article 70. If a bill of exchange which was incomplete when issued has been completed
otherwise than in accordance with the agreements entered into, the non-observance of such
agreements may not be set up against the holder unless he has acquired the bill of exchange
in bad faith or, in acquiring it, has been guilty of gross negligence.
SECTION 2ENDORSEMENT
Article 71.
1. A bill of exchange payable to a specified person, with or without the express
clause to order, may be transferred by means of endorsement.
2. When the drawer has inserted in a bill of exchange payable to a specified person
the words not to order or an equivalent expression, the instrument can only be
transferred according to the form, and with the effects of an ordinary assignment.
3. A bill of exchange may be endorsed even in favor of the drawee, whether he has
accepted or not, or of the drawer, or of any other party to the bill. These persons may reendorse the bill.
Article 72.
subject is deemed not to be written (non crite).
Article 73.
1. An endorsement must be written on the back of the bill of exchange or on a slip
affixed thereto (allonge). It must be signed by the endorser.
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Article 74.
1. An endorsement transfers all the rights arising out of a bill of exchange.
person;
b. Re-endorse the bill in blank, or to some other person;
c. Transfer the bill to a third person without filling up the blank, and without
endorsing it.
Article 75.
1. In the absence of any contrary stipulation, the endorser guarantees acceptance
and payment.
2. He may prohibit any further endorsement; in this case, he gives no guarantee to
the persons to whom the bill is subsequently endorsed.
3. An endorsement on a bill of exchange to bearer renders the endorser liable in
accordance with the provisions governing the right of recourse; however, it does not
convert the instrument into a bill of exchange to order.
Article 76.
1. The possessor of a bill of exchange is deemed to be the lawful holder if he
establishes his title to the bill through an uninterrupted series of endorsements, even if the
last endorsement is in blank. In this connection, cancelled endorsements are deemed not to
be written (non crite). When an endorsement in blank is followed by another
endorsement, the person who signed this last endorsement is deemed to have acquired the
bill by the endorsement in blank.
2. Where a person has been dispossessed of a bill of exchange in any manner
whatsoever, the holder who establishes his right thereto in the manner mentioned in the
preceding paragraph or of a bill of exchange payable to bearer is not bound to give up the
bill unless he has acquired it in bad faith, or unless in acquiring it he has been guilty of
gross negligence.
Article 77.
1. Persons sued on a bill of exchange cannot set up against the holder defenses
founded on their personal relations with the drawer or with previous holders, unless the
holder, in acquiring the bill, has knowingly acted to the detriment of the debtor.
2. Paragraph 1 does not apply to a bill of exchange made payable to a specified
person, in which the words not to order or any other equivalent expression have been
inserted.
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Article 78.
1. When an endorsement contains the statements value in collection (valeur en
recouvrement), for collection (pour encaissement), by procuration (par
procuration) or any other phrase implying a simple mandate, the holder may exercise all
rights arising out of the bill of exchange, but he can only endorse it in his capacity as
agent.
2. In this case, the parties liable can only set up against the holder defenses which
incapable.
4. The delivery of a bill of exchange to a banker for collection is a payment order
governed by Chapter V of this Law. In case of an inconsistency with respect to a bill of
exchange between a provision of Chapter V of this Law and a provision of this Chapter,
this Chapter prevails.
Article 79.
1. When an endorsement contains the statements value in security (valeur en
garantie), value in pledge (valeur en gage), or any other statement implying a pledge,
the holder may exercise the rights arising out of the bill of exchange, but an endorsement
by him has the effect only of an endorsement by an agent.
2. The parties liable cannot set up against the holder defenses founded on their
personal relations with the endorser, unless the holder, in receiving the bill, has knowingly
acted to the detriment of the debtor.
Article 80.
2. An endorsement after protest or after equivalent declaration or after the
ii. Does not operate to give rights under Articles 76 and 77.
placed on the bill of exchange prior to the protest or equivalent declaration or prior to the
expiration of the limit of time referred to in the preceding paragraph.
SECTION 3ACCEPTANCE
Article 81. Until maturity, a bill of exchange may be presented to the drawee for acceptance
at his domicile, either by the holder or by a person who is merely in possession of the bill.
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Article 82.
1. In any bill of exchange, the drawer may stipulate that it shall be presented for
acceptance with or without fixing a limit of time for presentment.
2. Except in the case of a bill payable at the address of a third party or in a locality
other than that of the domicile of the drawee, or, except in the case of a bill drawn payable
at a fixed period after sight, the drawer may prohibit presentment for acceptance.
3. He may also stipulate that presentment for acceptance shall not take place before
a named date.
4. Unless the drawer has prohibited acceptance, every endorser may stipulate that
the bill shall be presented for acceptance, with or without fixing a limit of time for
presentment.
Article 83.
1. Bills of exchange payable at a fixed period after sight must be presented for
acceptance within one year of their date.
2. The drawer may abridge or extend this period.
3. These periods may be abridged by the endorsers.
Article 84.
1. The drawee may demand that a bill shall be presented to him a second time on
the day after the first presentment. Parties interested are not allowed to set up that this
demand has not been complied with unless this request is mentioned in the protest.
2. The holder is not obliged to surrender to the drawee a bill presented for
acceptance.
Article 85.
1. An acceptance is written on the bill of exchange. It is expressed by the word
accepted or any other equivalent term. It is signed by the drawee. The simple signature
of the drawee on the face of the bill constitutes an acceptance.
2. When the bill is payable at a certain time after sight, or when it must be
presented for acceptance within a certain limit of time in accordance with a special
stipulation, the acceptance must be dated as of the day when the acceptance is given,
unless the holder requires that it shall be dated as of the day of presentment. If it is
undated, the holder, in order to preserve his right of recourse against the endorsers and the
drawer, must authenticate the omission by a protest drawn up within the proper time.
Article 86.
1. An acceptance is unconditional, but the drawee may restrict it to part of the sum
payable.
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2. Every other modification introduced by an acceptance into the tenor of the bill of
exchange operates as a refusal to accept. Nevertheless, the acceptor is bound according to
the terms of his acceptance as modifying the tenor of the bill of exchange.
Article 87.
1. When the drawer of a bill has indicated a place of payment other than the
domicile of the drawee without specifying a third party at whose address payment must be
made, the drawee may name such third party at the time of acceptance. In default of this
indication, the acceptor is deemed to have undertaken to pay the bill himself at the place of
payment.
2. If a bill is payable at the domicile of the drawee, the latter may in his acceptance
indicating an address in the same place where payment is to be made.
Article 88.
1. A bill of exchange does not operate as an assignment of funds in the hands of the
drawee available for payment thereof, and the drawee of a bill of exchange who does not
accept is not liable on the bill of exchange.
2. By accepting, the drawee undertakes to pay the bill of exchange at its maturity.
3. In default of payment, the holder, even if he is the drawer, has a direct action on
the bill of exchange against the acceptor for all that can be demanded in accordance with
Articles 106 - 107.
Article 89.
1. Where the drawee who has put his acceptance on a bill has cancelled it before
restoring the bill, acceptance is deemed to be refused. Failing proof to the contrary, the
cancellation is deemed to have taken place before the bill was restored.
2. Nevertheless, if the drawee has notified his acceptance in writing to the holder or
to any party who has signed the bill, he is liable to such parties according to the terms of
his acceptance.
SECTION 4 AVALS
Article 90.
1. Payment of a bill of exchange may be guaranteed by an aval as to the whole or
part of its amount.
2. This guarantee may be given by a third person or even by a person who has
signed as a party to the bill.
Article 91.
1. An aval may be given either on the bill itself or on an allonge.
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2. It is expressed by the words good as aval (bon pour aval) or by any other
equivalent formula. It is signed by the giver of the aval.
3. It is deemed to be constituted by the mere signature of the giver of the aval
placed on the face of the bill, except in the case of the signature of the drawee or of the
drawer.
deemed to be given for the drawer.
Article 92.
3. He has, when he pays a bill of exchange, the rights arising out of the bill of
exchange against the person guaranteed and against those who are liable to the latter on the
bill of exchange.
SECTION 5MATURITY
Article 93.
1. A bill of exchange may be drawn payable:
a. At sight;
b. At a fixed period after sight;
c. At a fixed period after date; or
d. At a fixed date.
2. A bill of exchange may be drawn payable by stated installments, each at a fixed
date, with a provision that in default in payment of any installment the entire unpaid
balance shall become due;
3. Bills of exchange at other maturities are null and void.
Article 94.
1. A bill of exchange at sight is payable on presentment. It must be presented for
payment within a year of its date of issue. The drawer may abridge or extend this period.
These periods may be abridged by the endorsers.
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2. The drawer may prescribe that a bill of exchange payable at sight must not be
presented for payment before a named date. In this case, the period for presentment begins
from the said date.
Article 95.
1. The maturity of a bill of exchange payable at a fixed period after sight is
determined either by the date of the acceptance or by the date of the protest.
2. In the absence of the protest, an undated acceptance is deemed, so far as regards
the acceptor, to have been given on the last day of the limit of time for presentment for
acceptance.
Article 96.
1. Where a bill of exchange is drawn payable at one or more months after date or
after sight, the bill matures on the corresponding date of the month when payment must be
made. If there be no corresponding date, the bill matures on the last day of this month.
2. When a bill of exchange is drawn payable at one or more months and a half after
date or sight, entire months must first be calculated.
3. If the maturity is fixed at the commencement, in the middle, or at the end of the
month, the first, fifteenth or last day of the month is to be understood.
4. The expression eight days or fifteen days indicates not one or two weeks, but
a period of eight or fifteen actual days.
5. The expression half month means a period of fifteen days.
Article 97.
1. When a bill of exchange is payable on a fixed day in a place where the calendar
is different from the calendar in the place of issue, the day of maturity is deemed to be
fixed according to the calendar of the place of payment.
2. When a bill of exchange drawn between two places having different calendars is
payable at a fixed period after date, the day of issue is referred to the corresponding day of
the calendar in the place of payment, and the maturity is fixed accordingly.
3. The time for presenting bills of exchange is calculated in accordance with the
rules of the preceding paragraph.
4. These rules do not apply if a stipulation in the bill or even the simple terms of the
instrument indicate an intention to adopt some different rule.
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SECTION 6PAYMENT
Article 98.
1. The holder of a bill of exchange payable on a fixed day or at a fixed period after
date or after sight must present the bill for payment either on the day on which it is payable
or on one of the two business days which follow.
2. The presentment of a bill of exchange either at or through a clearing-house, or
Article 99.
1. The drawee that pays a bill of exchange may require that it shall be given up to
him receipted by the holder.
2. The holder may not refuse partial payment.
3. In case of partial payment the drawee may require that the partial payment shall
be mentioned on the bill and that a receipt shall be given to him.
Article 100. When a bill of exchange is not presented for payment within the limit of time
fixed by Article 98, every debtor is authorized to deposit the amount with the competent
authority, as designated by the National Bank of Cambodia, at the charge, risk and peril of
the holder.
Article 101
1. The holder of a bill of exchange cannot be compelled to receive payment thereof
before maturity.
2. The drawee who pays before maturity does so at his own risk and peril.
3. He who pays at maturity is validly discharged, unless he has been guilty of fraud
or gross negligence. He is bound to verify the regularity of the series of endorsements, but
not the signature of the endorsers.
Article 102.
1. When a bill of exchange is drawn payable in a currency which is not that of the
place of payment, the sum payable may be paid in the currency of the country, according to
its value on the date of maturity. If the debtor is in default, the holder may at his option
demand that the amount of the bill be paid in the currency of the country according to the
rate on the day of maturity or the day of payment.
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2. The usage of the place of payment determines the value of foreign currency.
Nevertheless, the drawer may stipulate that the sum payable shall be calculated according
to a rate expressed in the bill.
3. The foregoing rules shall not apply to a bill of exchange (i) drawn payable in a
currency which is accepted in Cambodia, or (ii) in which the drawer has stipulated that
payment must be made in a certain specified foreign currency. In each such case the bill of
exchange shall be paid in the stated currency.
4. If the amount of the bill of exchange is specified in a currency having the same
any other country, unless indicated otherwise, reference in the bill of exchange is deemed
to be made to the currency of the country of payment. Where the currency of the country of
payment does not have the same denomination, reference is deemed to be made to a
currency which is widely accepted in the place of payment.
5. Where a bill of exchange is payable at the domicile of a banker the designation
of an account to be debited with the amount payable is deemed to be an authorization to
pay in the currency of the account.
SECTION 7RECOURSE FOR NON-ACCEPTANCE OR NON-PAYMENT
Article 103. The holder may exercise his right of recourse against the endorsers, the
drawer, and the other parties liable:
1. At maturity, if payment has not been made, or,
2. Even before maturity:
i. If there has been total or partial refusal to accept;
ii. In the event of the bankruptcy (faillite) of the drawee, whether he has
accepted or not, or in the event of a stoppage of payment on his part, even when not
declared by a judgment, or where execution has been levied against his assets
without result;
iii. In the event of the bankruptcy (faillite) of the drawer of a non-acceptable
bill.
Article 104.
1. Default of acceptance or of payment must be evidenced by an authentic act
(protest for non-acceptance or non-payment).
2. Protest for non-acceptance must be made within the limit of time fixed for
presentment for acceptance. If, in the case contemplated by Article 84, paragraph 1, the
first presentment takes place on the last day of that time, the protest may nevertheless be
drawn up on the next day.
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3. Protest for non-payment of a bill of exchange payable on a fixed day or at a fixed

period after date or sight must be made on one of the two business days following the day
on which the bill is payable. In the case of a bill payable at sight, the protest must be drawn
up under the conditions specified in the foregoing paragraph for the drawing up of a protest
for non-acceptance.
4. Protest for non-acceptance dispenses with presentment for payment and protest
for non-payment.
5. If there is a stoppage of payment on the part of the drawee, whether he has
accepted or not, or if execution has been levied against his assets without result, the holder
cannot exercise his right of recourse until after presentment of the bill to the drawee for
payment and after the protest has been drawn up.
6. If the drawee, whether he has accepted or not, is declared bankrupt (faillite
dclare), or in the event of the declared bankruptcy of the drawer of a non-acceptable bill,
the production of the judgment declaring the bankruptcy suffices to enable the holder to
exercise his right of recourse.
documents. As long as no such person has been designated by law he shall be designated
by the National Bank of Cambodia. A protest must contain a copy of the bill of exchange,
or the original bill of exchange may be annexed thereto, and specify the person at whose
request the bill of exchange is protested, the place and date of the protest, the cause or
reason for protesting the bill of exchange, the demand made and the answer given, if any,
or the fact that the drawee or acceptor cannot be found. It shall be made at the place of the
refusal to pay or accept or at some other place in Cambodia situated within 10 kilometers
of the place of presentment and refusal to pay or accept.
8. A protest may be constituted by the signed written drawees declaration
specifying the information set out in the previous paragraph.
Article 105.
1. The holder must give notice of non-acceptance or non-payment to his endorser,
to the drawer and to any avaliseur of the acceptor within the four business days which
follow the day for protest or, in case of a stipulation retour sans frais, retour sans
prott, or any other equivalent expression, the day for presentment. Every endorser must,
within the two business days following the day on which he receives notice, notify his
endorser of the notice he has received, mentioning the names and addresses of those who
have given the previous notices, and so on through the series until the drawer is reached.
The periods mentioned above run from the receipt of the preceding notice.
who has signed a bill of exchange, the same notice must be given within the same limit of
time to his avaliseur.
3. Where an endorser either has not specified his address or has specified it in an
illegible manner, it is sufficient that notice should be given to the preceding endorser.
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4. A person who must give notice, may give it in any form whatever, even by
simply returning the bill of exchange.
5. He must prove that he has given notice within the time allowed. This time-limit
shall be regarded as having been observed if a letter giving the notice has been posted
within the prescribed time.
6. A person who does not give notice within the limit of time mentioned above does
not forfeit his rights. He is responsible for the injury, if any, caused by his negligence, but
the damages shall not exceed the amount of the bill of exchange.
Article 106.
1. The drawer, an endorser, or a person guaranteeing payment by aval (avaliseur)
may, by the stipulation retour sans frais, retour sans prott, or any other equivalent
expression written on the instrument and signed, release the holder from having a protest
of non-acceptance or non-payment drawn up in order to exercise his right of recourse.
2. This stipulation does not release the holder from presenting the bill within the
prescribed time, or from the notices he has to give. The burden of proving the nonobservance of the limits of time lies on the person who seeks to set it up against the holder.
3. If the stipulation is written by the drawer, it is operative in respect of all persons
who have signed the bill; if it is written by an endorser or an avaliseur, it is operative only
in respect of such endorser or avaliseur. If, in spite of the stipulation written by the drawer,
the holder has the protest drawn up, he must bear the expenses thereof. When the
stipulation emanates from an endorser or avaliseur, the costs of the protest, if one is drawn
up, may be recovered from all the persons who have signed the bill.
Article 107.
1. All drawers, acceptors, endorsers or guarantors by aval of a bill of exchange are
jointly and severally liable to the holder.
2. The holder has the right of proceeding against all these persons individually or
collectively without being required to observe the order in which they have become bound.
3. The same right is possessed by any person signing the bill who has taken it up
and paid it.
the others, even though they may be subsequent to the party first proceeded against.
Article 108.
1. The holder may recover from the person against whom he exercises his right of
recourse:
a. The amount of the unaccepted or unpaid bill of exchange with interest, if
interest has been stipulated for;
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b. Interest at a rate determined by the National Bank of Cambodia from the

date of maturity;
c. The expenses of protest and of the notices given as well as other
expenses.
2. If the right of recourse is exercised before maturity, the amount of the bill shall
be subject to a discount. This discount shall be calculated according to the official rate of
discount (bank-rate) ruling on the date when recourse is exercised at the place of domicile
of the holder.
Article 109. A party who takes up and pays a bill of exchange can recover from the parties
liable to him:
Cambodia, starting from the day when he made payment;
Article 110.
1. Every party liable against whom a right of recourse is or may be exercised can
require against payment that the bill shall be given up to him with the protest and a
receipted account.
2. Every endorser who has taken up and paid a bill of exchange may cancel his own
Article 111. In the case of the exercise of the right of recourse after a partial acceptance, the
party who pays the sum in respect of which the bill has not been accepted can require that this
payment shall be specified on the bill and that he shall be given a receipt therefore. The holder
must also give him a certified copy of the bill, together with the protest, in order to enable
subsequent recourse to be exercised.
Article 112.
1. Every person having the right of recourse may, in the absence of agreement to
the contrary, reimburse himself by means of a fresh bill (redraft) to be drawn at sight on
one of the parties liable to him and payable at the domicile of that party.
2. The redraft includes, in addition to the sums mentioned in Articles 108 and 109,
brokerage and the cost of stamping the redraft.
3. If the redraft is drawn by the holder, the sum payable is fixed according to the
rate for a sight bill drawn at the place where the original bill was payable upon the party
liable at the place of his domicile. If the redraft is drawn by an endorser, the sum payable is
fixed according to the rate for a sight bill drawn at the place where the drawer of the redraft
is domiciled upon the place of domicile of the party liable.
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Article 113.
1. The holder loses his rights of recourse against the endorsers, against the drawer
and against the other parties liable, with the exception of the acceptor, after the expiration
of the limits of time fixed:
a. For the presentment of a bill of exchange drawn at sight or at a fixed
period after sight;
b. For drawing up the protest for non-acceptance or non-payment;
c. For presentment for payment in the case of a stipulation retour sans
frais, retour sans prott, or any other equivalent expression.
2. In default of presentment for acceptance within the limit of time stipulated by the
drawer, the holder loses his right of recourse for non-payment, as well as for nonacceptance, unless it appears from the terms of the stipulation that the drawer only meant
to release himself from the guarantee of acceptance.
3. If the stipulation for a limit of time for presentment is contained in an
endorsement, the endorser alone can avail himself of it.
4. The holder who has lost his right of recourse under this Article may sue the
drawer under the Law of contract and ordinary assignment, in an action governed by the
Law of contract and assignment. Any recovery under this paragraph is reduced by damages
for any injury caused to the drawer by the holder's failure to meet required limits of time.
Article 114.
1. Should the presentment of the bill of exchange or the drawing up of the protest
within the prescribed limits of time be prevented by an insurmountable obstacle (vis
major), these limits of time shall be extended.
2. The holder is bound to give notice without delay of the case of vis major to his
endorser and to specify this notice, which he must date and sign, on the bill or on an
allonge; in other respects the provisions of Article 105 shall apply.
3. When vis major has terminated, the holder must without delay present the bill of
exchange for acceptance or payment and, if need be, draw up the protest.
4. If vis major continues to operate beyond thirty days after maturity, recourse may
be exercised, and neither presentment nor the drawing up of a protest shall be necessary.
5. In the case of bills of exchange drawn at sight or at a fixed period after sight, the
time-limit of thirty days shall run from the date on which the holder, even before the
expiration of the time for presentment, has given notice of vis major to his endorser. In the
case of bills of exchange drawn at a certain time after sight, the above time-limit of thirty
days shall be added to the period after sight specified in the bill of exchange.
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entrusted with the presentment of the bill or drawing up of the protest are not deemed to
constitute cases of vis major.
7. Liability on a bill of exchange that has been lost or destroyed may be enforced
only against security provided by the party enforcing the bill of exchange, which to the
satisfaction of the court, indemnifies the party liable on it against any claim of any other
person on the bill of exchange if it reaches a holder who acquires it otherwise than in bad
faith or gross negligence.
SECTION 8INTERVENTION FOR HONOR
Article 115.
1. The drawer, an endorser, or a person giving an aval may specify a person who is
to accept or pay in case of need.
2. A bill of exchange may, subject as hereinafter mentioned, be accepted or paid by
a person who intervenes for the honor of any debtor against whom a right of recourse exists.
3. The person intervening may be a third party, even the drawee, or, save the
acceptor, a party already liable on the bill of exchange.
4. The person intervening is bound to give, within two business days, notice of his
intervention to the party for whose honor he has intervened. In default, he is responsible
for the injury, if any, due to his negligence, but the damages shall not exceed the amount of
the bill of exchange.
Article 116.
1. There may be acceptance by intervention in all cases where the holder has a right
of recourse before maturity on a bill which has not yet been accepted.
2. When the bill of exchange indicates a person who is designated to accept or pay
it as a referee in case of need at the place of payment, the holder may not exercise his
rights of recourse before maturity against the person naming such referee and against
subsequent signatories, unless he has presented the bill of exchange to the referee and until,
if acceptance is refused by the latter, this refusal has been authenticated by a protest.
3. In other cases of intervention the holder may refuse an acceptance by
intervention. Nevertheless, if he allows it, he loses his right of recourse before maturity
against the person on whose behalf such acceptance was given and against subsequent
signatories.
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Article 117. Acceptance by intervention is specified on the bill of exchange. It is signed by

the person intervening. It mentions the person for whose honor it has been given and, in
default of such mention, the acceptance is deemed to have been given for the honor of the
drawer.
Article 118.
1. The acceptor by intervention is liable to the holder and to the endorsers,
subsequent to the party for whose honor he intervened, in the same manner as such party.
2. Notwithstanding an acceptance by intervention, the party for whose honor it has
been given and the parties liable to him may require the holder, in exchange for payment of
the sum mentioned in Article 108, to deliver the bill, the protest, and a receipted account, if
any.
Article 119.
1. Payment by intervention may take place in all cases where, either at maturity or
before maturity, the holder has a right of recourse on the bill.
2. Payment must include the whole amount payable by the party for whose honor it
is made.
3. It must be made at the latest on the day following the last day allowed for
drawing up the protest for non-payment.
Article 120.
1. If a bill of exchange has been accepted by persons intervening who are domiciled
in the place of payment, or if persons domiciled there have been named as referees in case
of need, the holder must present the bill to all these persons and, if necessary, have a
protest for non-payment drawn up at the latest on the day following the last day allowed
for drawing up the protest.
2. In default of protest within this limit of time, the party who has named the referee
in case of need, or for whose account the bill has been accepted, and the subsequent
endorsers, are discharged.
Article 121. The holder who refuses payment by intervention loses his right of recourse
against any persons who would have been discharged thereby.
Article 122.
1. Payment by intervention must be authenticated by a receipt given on the bill of
exchange mentioning the person for whose honor payment has been made. In default of
such mention, payment is deemed to have been made for the honor of the drawer.
2. The bill of exchange and the protest, if any, must be given up to the person
paying by intervention.
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Article 123.
1. The person paying by intervention acquires the rights arising out of the bill of
exchange against the party for whose honor he has paid and against persons who are liable
to the latter on the bill of exchange. Nevertheless, he cannot re-endorse the bill of
exchange.
2. Endorsers subsequent to the party for whose honor payment has been made are
discharged.
3. In case of competition for payment by intervention, the payment which affects
the greater number of releases has the preference. Any person, who with knowledge of the
facts, intervenes in a manner contrary to this rule, loses his right of recourse against those
who would have been discharged.
SECTION 9 PARTS OF A SET AND COPIES
Article 124.
1. Where a bill is drawn in a set of two or more identical parts, with each part of the
set being numbered and containing a reference to the other parts, the whole of the parts
constitute one bill.
2. The acceptance and each endorsement of a bill drawn in a set may be written on
any part, but to be liable on the whole bill and not on any separate part, each such
acceptance or endorsement must be written on one part only.
3. The drawer who signed each part is nevertheless liable on the whole bill and not
on each part.
4. A party who has sent one part for acceptance must indicate on the other parts the
name of the person in whose hands this part is to be found. That person is bound to
surrender it to the lawful holder of another part. If he refuses, the holder cannot exercise
his right of recourse until he has had a protest drawn up specifying:
a. That the part sent for acceptance has not been given up to him on his
demand;
b. That acceptance or payment could not be obtained on another of the parts.
Article 125.
1. Where the holder of a set endorses two or more parts to different persons:
a. He is liable on every such part, and every endorser subsequent to him is
liable on the part he has himself endorsed as if the parts were separate bills.
b. The lawful holder of a part whose title first accrues is entitled to recover
payment received by any person paid by the drawer or the drawee who has not
accepted the bill.
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2. Where the drawee accepts more than one part and such accepted parts get into
the hands of different lawful holders, he is liable on every such part as if it were a separate
bill.
Article 126.
1. When the acceptor of a bill drawn in a set pays it without requiring the part
bearing his acceptance to be delivered up to him, and that part at maturity is outstanding in
the hands of a lawful holder, he is liable to the holder thereof.
2. The drawer of a bill drawn in a set is discharged when he pays any part duly
presented to him.
3. Subject to this Article and the preceding Article, where any one part of a bill
drawn in a set is discharged by payment or otherwise, the whole bill is discharged.
Article 127.
1. Every holder of a bill of exchange has the right to make copies of it.
2. A copy must reproduce the original exactly, with the endorsements and all other
statements to be found therein. It must specify where the copy ends.
3. It may be endorsed and guaranteed by aval in the same manner and with the
same effects as the original.
Article 128.
1. A copy must specify the person in possession of the original instrument. The
latter is bound to hand over the said instrument to the lawful holder of the copy.
2. If he refuses, the holder may not exercise his right of recourse against the persons
who have endorsed the copy or guaranteed it by aval until he has had a protest drawn up
specifying that the original has not been given up to him on his demand.
3. Where the original instrument, after the last endorsement before the making of
the copy contains a clause commencing from here an endorsement is only valid if made
on the copy or some equivalent formula, a subsequent endorsement on the original is null
and void.
SECTION 10ALTERATIONS
Article 129. In case of alteration of the text of a bill of exchange, parties who have signed
subsequent to the alteration are bound according to the terms of the altered text; parties
who have signed before the alteration are bound according to the terms of the original text.
SECTION 11LIMITATION OF ACTIONS OF RECOURSE
Article 130.
1. All actions of recourse arising out of a bill of exchange against the acceptor are
barred after three years, reckoned from the date of maturity.
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2. Actions of recourse by the holder against the endorsers and against the drawer
are barred after one year from the date of a protest drawn up within proper time, or from
the date of maturity where there is a stipulation retour sans frais, retour sans prott, or
any other equivalent expression.
3. Actions of recourse by endorsers against each other and against the drawer are
barred after six months, reckoned from the day when the endorser took up and paid the bill
or from the day when he himself was sued.
Article 131. Interruption of the period of limitation is only effective against the person in
respect of whom the period has been interrupted.
SECTION 12TIME CALCULATIONS
Article 132.
1. Payment of a bill of exchange which falls due on a legal holiday (jour fri lgal)
cannot be demanded until the next business day. So too, all other proceedings relating to a
bill of exchange, in particular presentment for acceptance and protest, can only be taken on
a business day.
2. Where any of these proceedings must be taken within a certain limit of time the
last day of which is a legal holiday (jour fri lgal), the limit of time is extended until the
first business day which follows the expiration of that time. Intermediate holidays (jours
fris) are included in computing limits of time.
Article 133. Legal or contractual limits of time do not include the day on which the period
commences.
CHAPTER IVPROMISSORY NOTES
SECTION 1 ISSUE AND FORM OF A PROMISSORY NOTE
Article 135. A promissory note is an unconditional promise in writing made by one person
to another signed by the maker, undertaking to pay, a determinate sum of money to, or to
the order of, a specified person or to bearer. It must be payable at a maturity and conform to all
requirements as provided by this Chapter.
Article 136. A promissory note is a credit instrument. It may be written in Khmer or any other
language and must contain:
-
The term promissory note inserted in the body of the instrument and
expressed in the language employed in drawing up the instrument;
An unconditional promise to pay a determinate sum of money;

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A statement of the time of payment;
The name of the person to whom or to whose order payment is to be made;
A statement of the date and of the place where the promissory note is issued;
The signature of the person who makes the promise on the instrument (maker).
article are wanting is invalid as a promissory note except in the case specified in the
following paragraphs:
1. A promissory note in which the time of payment is not specified is deemed to be
payable at sight.
2. In default of special mention, the place where the instrument is made is deemed
to be the place of payment and at the same time the place of the domicile of the maker.
3. A promissory note which does not mention the place of its issue is deemed to
have been made in the place mentioned beside the name of the maker.
4. A promissory note may be payable to bearer. A promissory note which does not
contain the name of the person to whom or to whose order payment is to be made is
deemed to be made payable to bearer.
Article 138. A promissory note may be payable at a place other than the makers domicile,
including at the domicile of a third person either in the locality where the maker has his
domicile or in another locality.
Article 139.
1. When a promissory note is payable at sight, or at a fixed period after sight, the
maker may stipulate that the sum payable shall bear interest. In the case of any other
promissory note, this stipulation is deemed not to be written (non crite).
2. The rate of interest must be specified in the promissory note; in default of such
specification, the stipulation shall be deemed not to be written (non crite).
3. Interest runs from the date of the promissory note, unless some other date is
specified.
Article 140.
1. When the sum payable by a promissory note is expressed in words and also in
figures, and there is a discrepancy between the two, the sum denoted by the words is the
amount payable.
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2. Where the sum payable by a promissory note is expressed more than once in
words or more than once in figures, and there is a discrepancy, the smaller sum is the sum
payable.
Article 141. If a promissory note bears signatures of persons incapable of binding themselves
by a promissory note, or forged signatures, or signatures of fictitious persons, or signatures
which for any other reason cannot bind the persons who signed the promissory note or on
whose behalf it was signed, the obligations of the other persons who signed it are nonetheless
valid.
Article 142. Whosoever puts his signature on a promissory note as representing a person
for whom he had no power to act is bound himself as a party to the promissory note and, if
he pays, has the same rights as the person for whom he purported to act. The same rule
applies to a representative who has exceeded his powers.
Article 143. If a promissory note, which was incomplete when issued, has been completed
otherwise than in accordance with the agreements entered into, the non-observance of such
agreements may not be set up against the holder unless he has acquired the promissory not
in bad faith or, in acquiring it, has been guilty of gross negligence.
SECTION 2 ENDORSEMENT
Article 144.
1. A promissory note made payable to a specified person, with or without the
express clause to order, may be transferred by means of endorsement.
2. When the maker has inserted in a promissory note payable to a specified person
the words not to order or an equivalent expression, the instrument can only be
transferred according to the form, and with the effects of an ordinary assignment.
3. A promissory note may be endorsed even in favor of the maker, or of any other
party to the promissory note. These persons may re-endorse it.
4. An instrument in the form of a promissory note payable to the maker's order is
not a promissory note under this Chapter, unless it is endorsed by the maker.
Article 145.
subject is deemed not to be written (non crite).
Article 146.
1. An endorsement must be written on the back of the promissory note or on a slip
affixed thereto (allonge). It must be signed by the endorser.
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Article 147.
1. An endorsement transfers all the rights arising out of a promissory note.
person;
b. Re-endorse the promissory note in blank, or to some other person;
c. Transfer the promissory note to a third person without filling up the
blank, and without endorsing it.
Article 148.
1. In the absence of any contrary stipulation, the endorser guarantees payment.
2. He may prohibit any further endorsement; in this case, he gives no guarantee to
the persons to whom the promissory note is subsequently endorsed.
3. An endorsement on a promissory note to bearer renders the endorser liable in
accordance with the provisions governing the right of recourse; however, it does not
convert the instrument into a promissory note to order.
Article 149.
1. The possessor of a promissory note is deemed to be the lawful holder if he
establishes his title to the promissory note through an uninterrupted series of endorsements,
even if the last endorsement is in blank. In this connection, cancelled endorsements are
deemed not to be written (non crite). When an endorsement in blank is followed by
another endorsement, the person who signed this last endorsement is deemed to have
acquired the promissory note by the endorsement in blank.
2. Where a person has been dispossessed of a promissory note, in any manner
whatsoever, the holder who establishes his right thereto in the manner mentioned in the
preceding paragraph or of a promissory note payable to bearer is not bound to give up the
promissory note unless he has acquired it in bad faith, or unless in acquiring it he has been
guilty of gross negligence.
Article 150.
1. Persons sued on a promissory note cannot set up against the holder defenses
founded on their personal relations with the maker or with previous holders, unless the
holder, in acquiring the promissory note, has knowingly acted to the detriment of the
debtor.
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2. Paragraph 1 does not apply to a promissory note made payable to a specified

person, in which the words not to order or any other equivalent expression have been
inserted.
Article 151.
1. When an endorsement contains the statements value in collection (valeur en
recouvrement), for collection (pour encaissemet"), by procuration (par
procuration) or any other phrase implying a simple mandate, the holder may exercise all
rights arising out of the promissory note, but he can only endorse it in his capacity as
agent.
2. In this case, the parties liable can only set up against the holder defenses which
incapable.
4. The delivery of a promissory note to a banker for collection is a payment order
governed by Chapter V of this Law. In case of an inconsistency with respect to promissory
notes between a provision of Chapter V of this Law and a provision of this Chapter, this
Chapter prevails.
Article 152.
1. When an endorsement contains the statements value in security (valeur en
garantie), value in pledge (valeur en gage), or any other statement implying a pledge,
the holder may exercise the rights arising out of the promissory note, but an endorsement
by him has the effects only of an endorsement by an agent.
2. The parties liable cannot set up against the holder defenses founded on their
personal relations with the endorser, unless the holder, in receiving the promissory note,
has knowingly acted to the detriment of the debtor.
Article 153.
1. An endorsement after protest or after an equivalent declaration or after the
ii. Does not operate to give rights under Articles 149 and 150.
placed on the promissory note prior to the protest or equivalent declaration or prior to the
expiration of the limit of time referred to in the preceding paragraph.
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SECTION 3 LIABILITY OF MAKER OF PROMISSORY NOTE

Article 154.
1. By making it, the maker undertakes to pay the promissory note at its maturity.
2. In default of payment, the holder has a direct action on the promissory note
against the maker for all that can be demanded in accordance with Articles 175 and 176.
Article 155.
1. A promissory note payable at a fixed period after sight must be presented for visa
within one year of its date.
2. The maker may abridge or extend this period.
3. These periods may be abridged by the endorsers.
Article 156.
1. A visa is written on the promissory note. It is expressed by the word visa or
any other equivalent term. It is signed by the maker.
2. The visa must be dated as of the day when the visa is given, unless the holder
requires that it shall be dated as of the day of presentment. If it is undated, the holder, in
order to preserve his right of recourse against the endorsers and the maker, must
authenticate the omission by a protest drawn up within the proper time.
3. The fixed period after sight at which the promissory note is payable runs from
the date of the visa signed by the maker on the note. The refusal of the maker to give his
visa with the date thereon must be authenticated by a protest, the date of which marks the
commencement of the period of time after sight.
SECTION 4 "AVALS"
Article 157.
1. Payment of a promissory note may be guaranteed by an "aval" as to the whole or
part of its amount.
2. This guarantee may be given by a third person or even by a person who has
signed as a party to the promissory note.
Article 158.
1. An aval may be given either on the promissory note itself or on an allonge.
2. It is expressed by the words good as aval (bon pur ava) or by any other
equivalent formula. It is signed by the giver of the aval.
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3. It is deemed to be to be constituted by the mere signature of the giver of the

aval placed on the face of the promissory note, except in the case of the signature of the
maker.
deemed to be given for the maker.
Article 159.
3. He has, when he pays a promissory note, the rights arising out of the promissory
note against the person guaranteed and against those who are liable to the latter on the
promissory note.
SECTION 5 MATURITY
Article 160.
1. A promissory note may be made payable:
a. At sight;
b. At a fixed period after sight;
c. At a fixed period after date; or
d. At a fixed date.
2. A promissory note may be made payable by stated installments, each at a fixed
date, with a provision that in default in payment of any installment the entire unpaid
balance shall become due.
3. Promissory notes at other maturities are null and void.
Article 161.
1. A promissory note at sight is payable on presentment. It must be presented for
payment within a year of its date of issue. The maker may abridge or extend this period.
These periods may be abridged by the endorsers.
2. The maker may prescribe that a promissory note payable at sight must not be
presented for payment before a named date. In this case, the period for presentment begins
from the said date.
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Article 162.
1. The maturity of a promissory note payable at a fixed period after sight is
determined either by the date of the visa or by the date of the protest.
2. In the absence of the protest, an undated visa is deemed, so far as regards the
maker, to have been given on the last day of the limit of time for presentment for visa.
Article 163.
1. Where a promissory note is made payable at one or more months after date or
after sight, the promissory note matures on the corresponding date of the month when
payment must be made. If there be no corresponding date, the promissory note matures on
the last day of this month.
2. When a promissory note is made payable at one or more months and a half after
date or sight, entire months must first be calculated.
3. If the maturity is fixed at the commencement, in the middle, or at the end of the
month, the first, fifteenth or last day of the month is to be understood.
4. The expression eight days or fifteen days indicate not one or two weeks, but
a period of eight or fifteen actual days.
5. The expression half month means a period of fifteen days.
Article 164. When a promissory note is payable on a fixed day or at a fixed period after
date in a place where the calendar is different from the calendar in the place of issue,
unless a stipulation in the promissory note or even the simple terms of the instrument
indicate an intention to adopt some different rule, the day of maturity is deemed to be fixed
according to the calendar of the place of payment.
SECTION 6 PAYMENT
Article 165.
1. The holder of a promissory note payable on a fixed day or at a fixed period after
date or after sight must present the promissory note for payment either on the day on which
it is payable of no one of the two business days which follow.
2. The presentment of a promissory note either at or through a clearing-house, or
Article 166.
1. The maker who pays a promissory note may require that it shall be given up to
him receipted by the holder.
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2. The holder may not refuse partial payment.

3. In case of partial payment the maker may require that the partial payment shall
be mentioned on the promissory note and that a receipt shall be given to him.
Article 167. When a promissory note is not presented for payment within the limit of time
fixed by Article 165, every debtor is authorized to deposit the amount with the competent
authority, as designated by the National Bank of Cambodia, at the charge, risk and peril of
the holder.
Article 168.
1. The holder of a promissory note cannot be compelled to receive payment thereof
before maturity.
2. The maker who pays before maturity does so at his own risk and peril.
3. He who pays at maturity is validly discharged, unless he has been guilty of fraud
or gross negligence. He is bound to verify the regularity of the series of endorsements, but
not the signature of the endorsers.
Article 169.
1. When a promissory note is made payable in a currency which is not that of the
place of payment, the sum payable may be paid in the currency of the country, according to
its value on the date of maturity. If the debtor is in default, the holder may at his option
demand that the amount of the promissory note be paid in the currency of the country
according to the rate on the day of maturity or the day of payment.
2. The usage of the place of payment determines the value of foreign currency.
Nevertheless, the maker may stipulate that the sum payable shall be calculated according to
a rate expressed in the promissory note.
3. The foregoing rules shall not apply to a promissory note (i) made payable in a
currency which is widely accepted in Cambodia, or (ii) in which the maker has stipulated
that payment must be made in a certain specified foreign currency. In each such case the
promissory note shall be paid in the stated currency.
4. If the amount of the promissory note is specified in a currency having the same
any other country, unless indicated otherwise, reference in the promissory note is deemed
to be made to the currency of the country of payment where the currency of the country of
payment does not have the same denomination, to a currency which is widely accepted in
the place of payment.
5. Where a promissory note is payable at the domicile of a banker the designation
of an account to be debited with the amount payable is deemed to be an authorization to
pay in the currency of the account.
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SECTION 7 RECOURSE FOR NON-PAYMENT

Article 170. The holder may exercise his right of recourse against the endorsers, the maker
and the other parties liable:
1. at maturity, if payment has not been made, or
2. even before maturity, in the event of the bankruptcy (faillite) of the maker or in
the event of a stoppage of payment on his part, even when not declared by a judgment, or
where execution has been levied against his assets without result;
Article 171.
1. Default of payment must be evidenced by an authentic act (protest for non-payment).
2. Protest for non-payment of a promissory note payable on a fixed day or at a fixed
period after date or sight must be made on one of the two business days following the day
on which the promissory note is payable. In the case of a promissory note payable at sight,
the protest must be drawn up within the limit of the time fixed for presentment for
payment. Protest for the refusal to give visa dispenses with presentment for payment and
must be made within the limit of time fixed for presentment for payment.
3. If there is a stoppage of payment on the part of the maker or if execution has
been levied against his assets without result, the holder cannot exercise his right of
recourse until after presentment of the promissory note to the maker for payment and after
the protest has been drawn up.
4. If the maker is declared bankrupt (faillite dclare), the production of the
judgment declaring the bankruptcy suffices to enable the holder to exercise his right of
recourse.
documents. As long as no such person has been designated by law he shall designed by the
National Bank of Cambodia. A protest must contain a copy of the promissory note, or the
original promissory note may be annexed thereto, and specify the person at whose request
the promissory note is protested, the place and date of the protest, the cause or reason for
protesting the promissory note, the demand made and the answer given, if any, or the fact
that the maker cannot be found. It shall be made at of the place of refusal to pay or at some
other place in Cambodia situated within 10 kilometers of the place of presentment and
refusal to pay.
6. A protest may be constituted by the signed written maker's declaration specifying
the information set out in previous paragraph.
Article 172.
1. The holder must give notice of non-payment to his endorser and to any avaliseur
of the maker within the four business days which follow the day for protest or, in case of a
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stipulation retour sans frais, retour sans prott, or any other equivalent expression, the
day for presentment. Every endorser must, within the two business days following the day
on which he receives notice, notify his endorser of the notice he has received, mentioning
the names and addresses of those who have given the previous notices, and so on through
the series until the maker is reached. The periods mentioned above run from the receipt of
the preceding notice.
who has signed a promissory note, the same notice must be given within the same limit of
time to his avaliseur.
3. Where an endorser either has not specified his address or has specified it in an
illegible manner, it is sufficient that notice should be given to the preceding endorser.
4. A person who must give notice, may give it in any form whatever, even by
simply returning the promissory note.
5. He must prove that he has given notice within the time allowed. This time-limit
shall be regarded as having been observed if a letter giving the notice has been posted
within the prescribed time.
6. A person who does not give notice within the limit of time mentioned above is
responsible for the injury, if any, caused by his negligence, but the damages shall not
exceed the amount of the promissory note.
Article 173.
1. An endorser, or a person guaranteeing payment by aval (avaliseur) may, by the
stipulation retour sans frais, retour sans prott, or any other equivalent expression
written on the instrument and signed, release the holder from having a protest of nonpayment drawn up in order to exercise his right of recourse.
2. This stipulation does not release the holder from presenting the promissory note
within the prescribed time, or from the notices he has to give. The burden of proving the
non-observance of the limits of time lies on the person who seeks to set it up against the
holder.
3. A stipulation written by an endorser or an avaliseur, is operative only in respect
of such endorser or avaliseur. If, in spite of the stipulation the holder has the protest drawn
up, the costs of the protest may be recovered from all the persons who have signed the
promissory note.
Article 174.
1. All makers, endorsers or guarantors by aval of a promissory note are jointly and
severally liable to the holder.
2. The holder has the right of proceeding against all these persons individually or
collectively without being required to observe the order in which they have become bound.
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3. The same right is possessed by any person signing the promissory note who has
taken it up and paid it.
the others, even though they may be subsequent to the party first proceeded against.
Article 175.
1. The holder may recover from the person against whom he exercises his right of
recourse:
a. The amount of the unpaid promissory note with interest, if interest has
been stipulated for;
b. Interest at a rate determined by the National Bank of Cambodia from the
date of maturity.
c. The expenses of protest and of the notices given as well as other
expenses.
2. If the right of recourse is exercised before maturity, the amount of the promissory
note shall be subject to a discount. This discount shall be calculated according to the
official rate of discount (bank-rate) ruling on the date when recourse is exercised at the
place of domicile of the holder.
Article 176. A party who takes up and pays a promissory note can recover from the parties
liable to him:
Cambodia, starting from the day when he made payment;
Article 177.
1. Every party liable against whom a right of recourse is or may be exercised can
require against payment that the promissory note shall be given up to him with the protest
and a receipted account.
2. Every endorser who has taken up and paid a promissory note may cancel his own
Article 178.
1. Every person having the right of recourse may, in the absence of agreement to
the contrary, reimburse himself by means of a bill of exchange to be drawn at sight on one
of the parties liable to him and payable at the domicile of that party.
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2. The bill of exchange includes, in addition to the sums mentioned in Articles 175
and 176, brokerage and the cost of stamping the bill of exchange.
3. If the bill of exchange is drawn by the holder, the sum payable is fixed according
to the rate for a sight bill at the place where the original promissory note was payable at the
place of his domicile. If the bill of exchange is drawn by an endorser, the sum payable is
fixed according to the rate-for a sight bill drawn at the place where the drawer of the bill of
exchange is domiciled upon the place of domicile of the party liable.
Article 179.
1. The holder loses his rights of recourse against the endorsers and against the other
parties liable with the exception of the maker, after the expiration of the limits of time
fixed:
a. For the presentment of a promissory note payable at sight or at a fixed
period after sight.
b. For drawing up the protest for non-payment.
c. For presentment for payment in the case of a stipulation retour sans frais,
retour sans prott, or any other equivalent expression,
2. If the stipulation for a limit of time for presentment is contained in an
endorsement, the endorser alone can avail himself of it.
Article 180.
1. Should the presentment of the promissory note or the drawing up of the protest
within the prescribed limits of time be prevented by an insurmountable obstacle (vis
major), these limits of time shall be extended.
2. The holder is bound to give notice without delay in the case of vis major to his
endorser and to specify this notice, which he must date and sign, on the promissory note or
on an allonge; in all other respects the provisions of Article 172 shall apply.
3. When vis major has terminated, the holder must without delay present the
promissory note for payment and, if need be, draw up the protest.
4. If vis major continues to operate beyond thirty days after maturity, recourse may
be exercised, and neither presentment nor the drawing up of a protest shall be necessary.
5. In the case of promissory notes payable at sight or at a fixed period after sight,
the time-limit of thirty days shall run from the date on which the holder, even before the
expiration of the time for presentment, has given notice of vis major to his endorser. In the
case of promissory notes payable at a certain time after sight, the above time-limit of thirty
days shall be added to the period after sight specified in the promissory note.
entrusted with the presentment of the promissory note or drawing up of the protest are not
deemed to constitute cases of vis major.
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7. Liability on a promissory note that has been lost or destroyed may be enforced
only against security provided by the party enforcing the promissory note, which to the
satisfaction of the court indemnifies the party liable on it against any claim of any other
person on the promissory note if it reaches a holder who acquires it otherwise than in bad
faith or gross negligence.
SECTION 8 INTERVENTION FOR HONOR
Article 181.
1. The maker, an endorser, or a person giving an aval may specify a person who is
to pay in case of need.
2. A promissory note may, subject as hereinafter mentioned, be paid by a person
who intervenes for the honor of any debtor against whom a right of recourse exists.
3. The person intervening may be a third party already liable on the promissory
note.
4. The person intervening is bound to give, within two business days, notice of his
intervention to the party for whose honor he has intervened. In default, he is responsible
for the injury, if any, due to his negligence, but the damages shall not exceed the amount of
the promissory note.
Article 182.
1. Payment by intervention may take place in all cases where, either at maturity or
before maturity, the holder has a right of recourse on the promissory note.
2. Payment must include the whole amount payable by the party for whose honor it
is made.
3. It must be made at the latest on the day following the last day allowed for
drawing up the protest for non-payment.
Article 183.
1. If persons domiciled in the place of payment have been named as referees in case
of need, the holder must present the promissory note to all these persons and, if necessary,
have a protest for non-payment drawn up at the latest on the day following the last day
allowed for drawing up the protest.
2. In default of protest within this limit of time, the party who has named the referee
in case of need, and the subsequent endorsers, are discharged.
Article 184. The holder who refuses payment by intervention loses his right of recourse
against any persons who would have been discharged thereby.
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Article 185.
1. Payment by intervention must be authenticated by a receipt given on the
promissory note mentioning the person for whose honor payment has been made. In
default of such mention, payment is deemed to have been made for the honor of the maker.
2. The promissory note and the protest, if any, must be given up to the person
paying by intervention.
Article 186.
1. The person paying by intervention acquires the rights arising out of the
promissory note against the party for whose honor he has paid and against persons who are
liable to the latter on the promissory note. Nevertheless, he cannot re-endorse the
promissory note.
2. Endorsers subsequent to the party for whose honor payment has been made are
discharged.
3. In case of competition for payment by intervention, the payment which affects
the greater number of releases has the preference. Any person, who with knowledge of the
facts, intervenes in a manner contrary to this rule, loses his right of recourse against those
who would have been discharged.
SECTION 9 COPIES
Article 187
1. Every holder of a promissory note has the right to make copies of it.
2. A copy must reproduce the original exactly, with the endorsements and all other
statements to be found therein. It must specify where the copy ends.
3. It may be endorsed and guaranteed by aval in the same manner and with the
same effects as the original.
Article 188.
1. A copy must specify the person in possession of the original instrument. The
latter is bound to hand over the said instrument to the lawful holder of the copy.
2. If he refuses, the holder may not exercise his right of recourse against the persons
who have endorsed the copy or guaranteed it by aval until he has had a protest drawn up
specifying that the original has not been given up to him on his demand.
3. Where the original instrument, after the last endorsement before the making of
the copy contains a clause commencing from here an endorsement is only valid if made
on the copy or some equivalent formula, a subsequent endorsement on the original is null
and void.
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SECTION 10 ALTERATIONS
Article 189. In case of alteration of the text of a promissory note, parties who have singed
subsequent to the alteration are bound according to the terms of the altered text: parties
who have signed before the alteration are bound according to the terms of term original
text.
SECTION 11 LIMITATION OF ACTIONS OF RECOURSE
Article 190.
1. All actions of recourse arising out of a promissory note against the maker are
barred after three years, reckoned from the date of maturity.
2. Actions of recourse by the holder against the endorsers are barred after one year
from the date of a protest drawn up within proper time, or from the date of maturity where
there is a stipulation retour sans frais, retour sans prott, or any other equivalent
expression.
3. Actions of recourse by endorsers against each other are barred after six months,
reckoned from the day when the endorser took up and paid the promissory note or from the
day when he himself was sued.
Article 191. Interruption of the period of limitation is only effective against the person in
respect of whom the period has been interrupted.
SECTION 12 TIME CALCULATIONS
Article 192.
1. Payment of a promissory note which falls due on a legal holiday (jour fri lgal)
cannot be demanded until the next business day. So too, all other proceedings relating to a
promissory note, in particular presentment for payment and protest, can only be taken on a
business day.
2. Where any of these proceedings must be taken within a certain limit of time, the
last day of which is a legal holiday (jour fri), the limit of time is extended until the first
business day which follows the expiration of that time. Intermediate holidays (jours fris)
are included in computing limits of time.
Article 193. Legal or contractual limits of time do not include the day on which the period
commences.
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CHAPTER V -- PAYMENT TRANSACTIONS

SECTION 1 GENERAL PROVISIONS
Article 195. This Chapter governs payment transactions in any currency. It applies to
participants rights and obligations and to the organization, operation, supervision and
oversight of payment systems in the Kingdom of Cambodia.
Article 196.
1. Individuals or legal entities may open accounts in domestic and any foreign
currency and may conduct payment transactions through these accounts under conditions
as agreed subject to the provisions of Section 7 of this Chapter. An individual or legal
entity may have more than one account and in more than one bank.
2. Paragraph 1 of this Article does not supersede, and is subject to, any legal
requirement relating to the use of the domestic currency, as well as to any restriction or
limitation, imposed by law, relating to a specific type or class of accounts, or to foreign
exchange.
Article 197.
1. A payment order may be sent by a customer from either within or outside
Cambodia and received by a bank located either within or outside Cambodia.
2. A payment order received by a branch or separate office of a bank located in
Cambodia is governed by this Chapter and in matters not provided by it, by other laws
applicable in Cambodia. This paragraph applies, whether the payment order is sent from
within or outside Cambodia, and subject to an agreement to the contrary between the
sender and the receiving bank.
3. Subject to an agreement to the contrary between the sender and the receiving
bank, a payment order received by a branch or separate office of a bank located outside
Cambodia is governed by the Law applicable in the place where that branch or separate
office is located.
4. Subject to their agreement to the contrary, rights and obligations between a bank
and its customer in relation to the account and any incoming or outgoing payment order are
governed by the Law applicable in the place in which the branch or separate office of the
bank where the account is maintained is located.
5. The issue of when payment is made pursuant to a payment transaction by the
payor to the payee is governed by the Law applicable in the place in which the branch or
separate office of the destination bank is located.
6. A payment order may be addressed to the National Bank of Cambodia and
instruct payment out or into an account held at the National Bank of Cambodia in which
case this Chapter applies to the National Bank of Cambodia as a bank.
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7. Where a receiving bank agrees to carry out an instruction which is not a payment
order only because it is stated to be subject to a condition, the instruction is deemed to be a
payment order. This Chapter applies to the payment transaction, but not to the duties (i) of
a receiving bank to pass on the condition to the destination bank, and (ii) of the destination
bank to perform the condition.
Article 198.
1. In a debit transfer a receiver may revoke the receivers authority to the originator
by advising the destination bank of the revocation of authority in writing, electronically,
or, if so previously agreed in writing, orally. Advice shall be given before the completion
of the payment transaction, and at a time and in a manner sufficient to afford the
destination bank a reasonable opportunity to act on it. The destination bank shall reject
each senders payment order to which the advice applies.
2. In a debit transfer, the advice of the receivers death or adjudication of legal
incapacity received by the destination bank has the same effect as the receivers advice of
revocation of authority under paragraph 1 of this Article.
3. A customer:
i. Whose account was debited with the amount of a payment order carrying out
a debit transfer;
ii. Who contests the originators authority; and
iii. Who objects to the debit in writing within four days of learning of the
debit to the customers account; shall be entitled to the reversal of the debit unless
the destination bank has been provided with evidence of the authority given by the
customer to the originator.
4. By authorizing a debit transfer the receiver guarantees payment to the originator.
5. This Article does not apply to the receivers authority given to the originator by
the issue of a check.
SECTION 2PAYMENT ORDERS
Article 199.
1. A payment order is an instruction by the sender to the receiving bank and does
not operate as an assignment of funds in favor of any participant in the payment
transaction.
2. A payment order may be given in writing, electronically, or, if so previously
agreed in writing between the parties to a payment order, orally. If so previously agreed,
and subject to the terms of the agreement, subsequent communications including
cancellation orders may also be given orally.
3. A payment order shall accurately identify the receiver and destination bank.
Where a payment order processed in an automated system identifies any participant in the
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payment transaction by name and number, a receiving bank need not confirm the
consistency between the name and number and may carry out payment on the basis of the
number alone. If any of its employees who handle the payment order notices any
inconsistency between the name and the number, the receiving bank shall reject the
payment order.
4. The National Bank of Cambodia may issue regulations providing for the
conditions under which a payment order and any other communication, including a
cancellation order, may be given orally.
Article 200.
1. In a credit transfer, unless agreed otherwise, a receiving bank is obliged to carry
out the senders payment order only where there is adequate cover in the senders account.
2. In a debit transfer, the originating bank shall carry out the originators payment
order upon being presented to its satisfaction with proof as to the authority given by the
receiver, and obtaining the originators indemnity. Unless otherwise agreed, the originating
bank shall not be obliged to provide the originator with funds or even provisional credit
prior to the completion of the debit transfer. If the originators account is credited by the
originating bank before the completion of the debit transfer, the credit is provisional, and
the originators account may be debited in the amount of the credit if the debit transfer is
not completed as provided in Article 210 of this Law.
3. A receiving bank shall carry out only a payment orders which:
i. Is properly filled in and authorized or authenticated;
ii. Properly identifies the destination bank; and
iii. Describes the receiver with reasonable certainty.
4. A receiving bank that declines to carry out its senders payment order shall
promptly advise the sender of its refusal or rejection.
5. Unless otherwise agreed, and without prejudice to levying charges as agreed or
customary, a receiving bank shall carry out a payment order in the amount instructed by
the sender.
6. A receiving bank shall carry out instructions contained in a payment order either
on the banking day it received it or on its value date, if any - whichever is later. A
receiving bank may establish a cut-off hour after which any payment order received is
deemed to be received on the following banking day.
7. An originating bank in a credit transfer and a destination bank in a debit transfer
that has received in the course of a banking day more than one payment order or other
lawful instructions for the withdrawal of funds from an account, may process them in any
sequence unless otherwise provided in any Law.
8. A receiving bank shall exercise ordinary care in handling payment orders. It shall
exercise ordinary care in the interpretation of ambiguous payment orders, and provided it
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acts in good faith and without knowledge that its interpretation is contrary to the senders
intent, it may carry out a payment order according to its reasonable meaning.
9. In receiving a payment order and acting in a payment transaction, and
notwithstanding any agreement to the contrary, a receiving bank shall comply with this
Law and any applicable regulation or directive as well as other law. It shall act diligently
and in good faith, comply with common banking standards, and assist participants to
complete satisfactorily the payment transaction. Within limits prescribed by this or any
other Law, it must maintain confidentiality and act in the best interest of its sender.
10. Subject to any obligation of confidentiality under any applicable law, a
receiving bank instructed to route a payment transaction through an intermediary bank or
to a destination bank that it judges to be unreliable in the circumstances, shall promptly
advise the sender of its concerns. Where the receiving bank is nevertheless instructed to
route the transaction over its advice to the contrary, it may reject the payment order, or
notwithstanding any other provision of this Law, execute it at the senders risk.
Article 201.
1. Unless otherwise agreed between a sender and a receiving bank, a payment order
is revocable and may be canceled. It is canceled by the sender where a properly authorized
or verified cancellation order sent by the sender or on the senders behalf is received by the
receiving bank at a time and in a manner which enables it to initiate cancellation before
carrying out the senders original instructions contained in the payment order.
2. After the execution of a senders payment order, at the request of the sender, the
executing receiving bank may nevertheless issue to its own receiving bank its own
cancellation order, which is governed by paragraph 1 of this Article. A cancellation order
issued to the destination bank by its sender in the payment transaction is effective only it
reaches the destination bank before the payment transaction is completed.
3. A cancellation order must accurately identify the payment order it seeks to cancel
and may be given to the receiving bank in writing, electronically, or if so previously agreed
in writing between the parties to a payment order, orally.
4. A payment order that has not been carried out by the receiving bank is withdrawn
in the following cases:
i. At the close of the fifth banking day or any agreed upon shorter period after
the receipt of the payment order by the receiving bank, or value date,
whichever is later;
ii. Where the receiving bank learns of the death or adjudication of the legal
incapacity of the sender; or
iii. Where the receiving bank has been closed by the supervisory authorities.
5. No cancellation or withdrawal of a payment order is effective after the
completion of the payment transaction.
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Article 202.
1. Settlement for interbank payment orders may take place:
i. On banks settlement accounts with the National Bank of Cambodia, in
which case it is governed by Regulation on the Operation of Settlement
Accounts;
ii. By posting a debit or credit to an account, other than a settlement account,
one bank has with the other or with a third bank. Such debit or credit may
be either for each payment order individually or for batches of payment
orders in which case it may be at the end of a clearing cycle; or
iii. By any other means in which an obligation is satisfied.
2. The time for settlement under paragraph 1 of this Article occurs as follows:
i. Under paragraph 1(i), when settlement is completed under Regulation on the
Operation of Settlement Accounts issued by the National Bank of
Cambodia;
ii. Under paragraph 1(ii), by means of a debit to an account, when the debit is
posted to the account.
iii. Under paragraph 1(ii), by means of a credit to an account, when the credit
posted to the account is used, or if not used, at the opening of the next
banking day following the day on which the credit is available for use and
the bank whose account has been credited, learns of that fact.
iv. Under paragraph 1(iii), as determined by the principles of law that
determine when the obligation is satisfied.
3. This paragraph applies where settlement under paragraph 1(ii) of this Article
takes place pursuant to an agreement or rules governing the completion of interbank
settlement other than in the National Bank of Cambodia and is for bilaterally or
multilaterally netted amounts of payment orders. Notwithstanding paragraph 2(ii) of this
Article, such settlement occurs when it is completed according to the agreement or rules.
4. Regulations issued by the National Bank of Cambodia may restrict or otherwise
govern circumstances under which settlement under paragraph 1(ii) or (iii) of this Article
may take place as well as modify the time of its occurrence.
5. Notwithstanding anything in any law, whether or not it relates to insolvency
proceedings, insolvency proceedings opened against a bank shall neither:
i. Have retroactive effects on the rights and obligations arising from, or in
connection with the clearing and settlement of payment orders, other than as
of the moment such proceedings are opened; nor
ii. Affect the binding effect and enforceability of payment orders received by
any receiving bank before the moment of opening of such insolvency
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proceeding, their bilateral or multilateral netting, and any security

provided to secure them.
6. For the purposes of paragraph 5 of this Article and Article 227(2), Insolvency
proceedings shall mean any collective measure provided for in the Law either to liquidate,
wind up, or re-organize a bank, whether voluntary or involuntary, and the moment of the
opening of the insolvency proceedings shall be the moment when the relevant judicial or
administrative authority handed down its decision.
SECTION 3-- THIRDPARTY PROCESSORS
Article 203. In carrying out any part of a payment transaction, a bank may employ a third
party processor. As authorized by the bank, a thirdparty processor may act on behalf of
the authorizing bank as:
1. A communication facility;
2. An interbank clearing facility, which may further transmit interbank settlement
information to banks, including the bank in which settlement is completed;
3. A managing or operating agent for the bank of bank customers accounts; and/or
4. A sending and receiving point for payment orders sent or received by the bank,
which may be accessed directly by bank customers for sending and receiving payment
orders.
Article 204.
1. A thirdparty processor shall comply with all requirements, conditions and
restrictions set by regulations prescribed by the National Bank of Cambodia. Such
regulations may provide for the licensing, regulation, and supervision of third-party
processors, and may apply to all third-party processors or any category thereof. Different
categories of third-party processors as specified by the National Bank of Cambodia may be
subject to different requirements.
2. A bank may act as a third-party processor on behalf of another bank.
Article 205.
1. Other than between itself and the thirdparty processor, a bank is fully
responsible for any action or omission of thirdparty processor acting with its authority on
the banks behalf.
2. To ensure compliance with this Law and all other legal requirements, a bank
shall ensure that a third-party processor operates under its full control and supervision in
matters in which it acts on its behalf; the bank is precluded from denying such control and
supervision.
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Article 206.
1. A third-party processor shall reject a payment order sent directly to it by a bank
customer unless:
i. It was so sent pursuant to the banks authority; and
ii. In the case of a credit transfer:
a. The third-party processor acts for the bank as a managing or operating agent
of the customers account and there is adequate cover in the customers
account; or
b.
The third-party processor has obtained authorization from the bank.
2. The customers payment order acted on by the thirdparty processor is deemed to be

an instruction from the customer to the customers bank, executed by the banks
corresponding payment order sent to the thirdparty processor for onward transmittal to
the receiving bank.
3. Where a bank authorized a third-party processor to act as a receiving point for
payment orders sent to the bank, a payment order received by the thirdparty processor is
deemed to have been received by that bank acting as the receiving bank.
SECTION 4-- COMPLETION OF CREDIT TRANSFER AND DISCHARGE
Article 207.
1. A credit transfer is completed when the destination bank is paid. In an inhouse
transfer the bank is paid when it debits the originators account with the amount of the
payment order. In an interbank credit transfer, the destination bank is paid when the
interbank settlement that includes the sending banks payment order is completed.
2. A credit transfer is completed at the opening of the next banking day following
the banking day the payment order was received by the destination bank, or its value date,
whichever is later, if at that time there is adequate cover to the credit of the sender with the
destination bank, and unless the destination bank rejected the payment order not later than
one hour thereafter.
3. Where the receiver has no pre-existing account with the destination bank, or
where such account has been closed or blocked for incoming payments, the credit transfer
is completed upon payment of the destination bank to the receiver.
Article 208.
1. Upon the completion of a credit transfer, the destination bank becomes indebted
to the receiver in the amount of the payment order it received, and subject to reasonable
charges it may deduct, shall pay the receiver promptly.
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2. Payment to the receiver by the destination bank shall be made by crediting the
receivers account not later than on the banking day following the completion of the credit
transfer. Where such account does not exist or cannot be identified with reasonable
certainty, or where so instructed, the destination bank is to advise the receiver promptly of
the availability of funds in the destination banks hands and pay the receiver as instructed.
3. Where the receiver or the receivers account is not identified in the payment
order received by the destination bank with adequate certainty so as to raise reasonable
doubts as to the receivers identification, the destination bank shall reject the payment
order and advise its sender of its rejection.
4. Where the destination bank paid the receiver or undertook to pay the receiver
prior to being paid, such payment or undertaking shall be final and irrevocable and the
credit transfer is deemed to have been completed, except that each receiving bank may be
owed by its sender. The destination banks undertaking to pay may be given directly to the
receiver or be under an interbank agreement.
Article 209.
1. Where the credit transfer has been made in payment of a debt owed by the
originator to the receiver, unless otherwise agreed between them, the debt is discharged
when the payment transaction is completed. Discharge is to the extent of the payment that
completed the payment transaction.
2. Discharge shall take place prior to completion of the payment transaction if and
as soon as a guarantee of payment is either accepted by the receiver or, other than in
circumstances governed by Article 207(3), confirmed to the receiver by the destination
bank.
3. A guarantor or a destination bank guaranteeing or confirming payment under
paragraph 2 thereby undertakes to pay and becomes indebted to the receiver in the amount
guaranteed or confirmed.
SECTION 5COMPLETION OF DEBIT TRANSFER AND DISCHARGE
Article 210.
1. A debit transfer is completed when the destination bank debits the receivers
account as instructed in the payment order it received and has not reversed the debit and
rejected the payment order until the end of the banking day following the receipt. Where a
payment order instructs the destination bank to debit an identifiable account maintained
with it, the debit transfer is completed on the conclusion of the banking day that follows
receipt of the payment order even before a debit is posted to the receivers account,
provided the payment order is not properly rejected until that time.
2. Until the close of the banking day following its receipt, the destination bank may
reject the payment order. It shall become entitled from its sender to a settlement for the
amount paid to that sender, by advising its sender and the originating bank, if these are two
separate banks, of its rejection. Rejection and entitlement from its sender are automatic by
- 106 -
operation of law when the receiving bank has been closed by the supervisory authorities
before the close of the banking day following receipt of the payment order.
3. Upon receiving notice of the rejection, each bank sender, other than the
originating bank, shall advise its own sender, and has a corresponding right to obtain
settlement from that sender. Each bank sender, other than the originating bank, shall advise
its sender of the rejection not later than on the banking day following the day it received
notice of the rejection.
4. Upon receiving notice of the rejection, the originating bank shall promptly, and
no later than on the following banking day, advise the originator of the rejection, and may
reverse any provisional credit previously posted to the originators account, or otherwise,
recover from the originator any payment previously made for the payment order.
5. Notwithstanding paragraph 2 of this Article, the destination bank shall be liable
to the receiver for wrongfully dishonoring a payment order where unlawfully or without
legal justification it rejects the payment order:
i. With the knowledge of the receivers authority for the debit transfer;
ii. Notwithstanding the proper identification in the payment order received by
the bank of an existing receivers account held at it; and
iii. There is adequate cover in that account.
6. Time periods under Articles 210 and 211 may be shortened by agreement or
regulation.
Article 211.
1. Upon the completion of a debit transfer, the destination bank and each receiving
bank that obtained payment from its own receiving bank shall be liable to its sender in the
amount of the payment it received. Payment by the destination bank to its sender shall be
in the amount of the debit to the receivers account and shall be made not later than on the
banking day following the completion of the debit transfer. Payment by any other
receiving bank shall be made not later than the banking day following the receipt of its
own payment.
2. Upon receiving payment and subject to reversal under Article 198(3) of this Law,
the originating bank shall be indebted to the originator in the amount it received. To that
extent, any provisional credit given to the originator shall be final. Before such credit
becomes final, the originating bank shall not be required to release funds to the originator,
and unless agreed otherwise, any release of funds prior to the completion of the debit
transfer is provisional until the completion.
Article 212.
1. Where an authorized debit transfer has been made in payment of a debt owed by
the receiver to the originator, unless otherwise agreed between them, the debt is discharged
when the payment transaction is completed. Discharge is the amount of its completion.
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2. Discharge shall take place prior to completion of the payment transaction if and
as soon as a guarantee of payment is either accepted by the originator or confirmed to the
originator by the originating bank.
3. A guarantor or an originating bank guaranteeing or confirming payment under
paragraph 2 thereby undertakes to pay and becomes indebted to the originator in the
amount guaranteed or confirmed.
SECTION 6-- LIABILITY, DAMAGES, AND RESTITUTION
Article 213.
1. A person identified as sender shall be liable on a payment or cancellation order
accepted by the receiving bank, where the payment or cancellation order was:
i. Issued to the receiving bank by that person;
ii. Issued to the receiving bank under that persons authority;
iii. Accepted by the receiving bank in compliance with a commercially
reasonable security procedure agreed upon between the bank and that
person for the verification of the authenticity of payment orders issued by
that person to the bank; or
iv. Ratified by that person.
2. Paragraph 1(iii) of this Article does not apply, and the person identified as sender
on the payment order is not liable, when the person proves receipt of no benefit from the
payment or cancellation order, and that the issue of the unauthorized payment or
cancellation order was not caused by:
i. The person identified as sender, or someone entrusted at any time with duties
to act for that person with respect to payment transactions or the security
procedure; or
ii. Someone who obtained from the person identified as sender, or a source
controlled by that person, access to that persons transmitting facilities, or
information, including any access device, computer software, or the like,
facilitating breach of the security procedure.
3. For the purpose of paragraph 1(iii), a security procedure is deemed to be
commercially reasonable if it was chosen by the customer contrary to the advice of the
bank, after the bank offered, and the customer refused, a security procedure that was
reasonable for the customer.
Article 214.
1. Where a credit transfer is completed, a sender shall hold the receiving bank
harmless and reimburse it for any loss up to the amount of the payment order,
commercially reasonable expenses, fees and interest charges.
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2. In a credit transfer, notwithstanding the execution by the receiving bank and the
completion of the payment transaction, a sender is not liable to the receiving bank on a
payment order transmitted to the receiving bank pursuant to a security procedure for the
detection of error, and to the extent allowed by civil law the receiving bank shall be
entitled to recover from the receiver any amount unintended to be paid by the sender
where:
i. The sender did not intend to send the payment order, the sender intended to
instruct payment to a receiver other than that of the payment order, or the
payment order was in an amount greater than the amount intended by the
sender; and
ii. The sender proves senders own compliance with the security procedure and
that the error would have been detected if the receiving bank had also
complied.
3. In a debit transfer, each sender warrants to its receiving bank that the senders
payment order is duly authorized, and is in accordance with an effective and valid
authorization of the originator and receiver.
4. A sender of a payment order, and a receiver who authorizes an originator to
initiate a debit transfer, including by means of the issue of a check, shall exercise ordinary
care in order to prevent forgery and unauthorized issue or alteration of payment orders or
the authority to issue them, and in order to ensure that they are clear and unambiguous.
Article 215. Where a credit transfer is not completed, irrespective of fault on the part of
any participant in the payment transaction:
1. The originator shall not be liable to the originating bank and shall be entitled to
have the originators account re-credited for the amount debited in cover for his or her
payment order. The originator shall further be entitled to recover from the originating bank
the originators commercially reasonable expenses, fees and interest charges for the recredited amount.
2. The originating, and any intermediary bank that carried out its own senders
instructions, is similarly excused from any liability to its receiving bank, and has a
corresponding entitlement from it, other than for expenses and fees.
Article 216.
1. A receiving bank is liable for commercially reasonable expenses, fees, interest
charges and interest losses, and where applicable, foreign exchange losses, incurred by its
delay or failure to carry out a payment order. The originator may recover such losses either
from the originating bank or from the receiving bank that caused the delay or failure. The
receiver may recover such losses either from the destination bank or from the receiving
bank that caused the delay or failure. The receiving bank that caused the delay or failure is
accountable to the originating or destination bank that paid such losses for the amount so
paid.
2. In addition, a receiving bank that either:
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i. Failed to promptly advise its sender of its rejection of the payment order, or
ii. Was grossly negligent in carrying out or failing to carry out a payment
order, Shall be liable to the originator, whether the originator was or was
not its own sender, but provided the originator was not negligent, for
actual foreseeable damages, not to exceed the principal amount of the
originators payment order. Where applicable, the sender shall also be
entitled to the refund of the amount of the payment order under Article
215 of this Law.
3. The originator shall be entitled to recover under paragraph 1 of this Article the
entire amount from either the originating bank or the grossly negligent bank. Subject to an
interbank agreement, a bank liable under this Article shall be entitled to contribution from
the other according to the others degree of fault in causing the loss.
4. In a debit transfer, liability under this Article and any limitation thereon is
without prejudice to the liability of the destination bank for the wrongful dishonor of a
payment order under Article 210(5).
Article 217. Where a credit transfer is completed, but due to an error made by a receiving
bank (the erring bank), payment to the receiver is not as instructed in the originators
payment order, in addition to recovery under Article 216, if applicable, the following rules
apply:
1. Where the amount paid to the receiver either exceeds or is less than the amount
of the originators payment order, the credit transfer is deemed to have been completed in
the amount paid to the receiver. On each payment order, each sender is liable to the
receiving bank in the amount of the senders own payment order, so that:
i. Where the amount paid to the receiver exceeds the amount of the originators
payment order, the erring bank shall be entitled to recover from the receiver
the amount of the overpayment in an action governed by the Law of the place
where the destination bank is located; and
ii. Where the amount paid to the receiver is less than the amount of the
originators payment order, the erring bank shall pay the difference to the
receiver, and be entitled to retain or receive payment from its sender in the
amount of the originators payment order.
2. Where payment was made to a receiver other than that of the originators
payment order, and the erring bank was not the destination bank of the originators
payment order, the originator and any sender prior to the erring bank, and the receiver of
the originators payment order may treat the credit transfer as not completed. The erring
bank shall be entitled to recover from the receiver who has been paid the amount of
payment in an action governed by the Law of the place where the destination bank is
located.
3. The erring bank is liable to any participant for any principal, interest and
reasonable expense losses such as bank charges and communication costs resulting from
the error.
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4. For this Article to apply, error may be incurred or induced innocently,

negligently, or fraudulently.
Article 218. When due to an error by a receiving bank (the erring bank) a debit transfer
is completed other than instructed in the originators payment order, in addition to
recovery under Articles 210 and 216, if applicable, the following rules apply:
1. When the debit to the account of the receiver of the originators payment order is
in an amount smaller than that of the originators payment order, the erring bank shall
collect the difference from the receiver and pay it to the originator;
2. When the debit to the account of the receiver of the originators payment order is
in an amount larger than that of the originators payment order, the destination bank shall
promptly credit the receivers account in the amount of the excess. The erring bank shall
pay the excess to the destination bank and collect it from the originator or any other
participant that actually retains the excess and to the extent it retains it;
3. When the debit is posted to an account of a receiver other than that of the
originators payment order, the destination bank shall credit that receivers account in the
amount of the debit and shall debit the account of the receiver of the originators payment
order in the amount of the originators payment order;
4. When the debit is posted to an account of a receiver in a destination bank other
than that of the originators payment order, that destination bank shall credit that receivers
account in that amount and collect it from the erring bank. The erring bank shall collect the
amount of the originators payment order from the receiver of the originators payment
order.
5. Under this Article, collection shall be by debit transfer and payment shall be by
credit transfer.
6. The erring bank is liable to any participant for any principal, interest and
reasonable expense losses such as bank charges and communication costs resulting from
the error.
7. For this Article to apply, error may be incurred or induced innocently,
negligently, or fraudulently.
SECTION 7-- BANK ACCOUNTS
[[[
Article 219.
1. Subject to the terms of the agreement, and other than in circumstances set out in
paragraph 2 of this Article, a credit balance which constitutes adequate cover in an account
may be withdrawn by the customer or paid by the bank according to a payment order. The
bank shall not be required to honor drawings on deposit accounts exceeding the available
account balance in favor of the customer.
2. Paragraph 1 of this Article shall not apply where
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i. The credit balance in an account has been subject to a garnishment, seizure

or a similar creditor process;
ii. The account has been closed, suspended, blocked or frozen; and
iii. In carrying out the payment orders or instructions for withdrawals the bank
shall be violating any law.
3. A customer and bank may agree that funds remitted and received for deposit with
the bank for the customer shall be distributed as instructed by the customer to one of
several accounts held by the customer. Each account shall be subject to individual
accounting in connection with the movement of funds received and paid by the bank for
the customer.
Article 220.
1. Disclosures under this Article shall be made in writing, or where agreed,
electronically.
2. Banks shall disclose to actual and prospective customers in a readily
comprehensible form their terms and conditions for carrying out payment transactions,
including their charges, and any estimate, if available, as to the time needed for the
completion of the payment transaction.
3. For any payment transaction or other debit or credit posted to the account, the
bank shall provide the customer with clear information enabling the customer to identify
the withdrawal, deposit, or payment transaction, including a reference number, date,
amount, and where applicable, charges and exchange rates.
4. Other than for passbook accounts, a bank shall provide its customer, at periodical
intervals not exceeding a calendar month, a statement of account identifying each credit
and debit posted to the account since the last statement and providing for the final balance.
5. For a passbook account, a bank must facilitate the ongoing update of the
passbook by the customer. In each such update, each credit or debit posted to the account
since the previous update, and the final account balance, must be recorded. A customer is
required to update the passbook regularly.
6. A customer shall exercise ordinary care and reasonable promptness in reviewing
such periodical statements and passbook updates and advise the bank of any discrepancy or
contested debit or credit. The bank shall assist the customer in pursuing the investigation
on such discrepancy or contested credit or debit, provide all relevant information in its
disposal, and, if applicable, make all necessary adjustments and corrections to the account.
Article 221.
1. A bank is bound by secrecy and shall not disclose any information on the account
to anyone except for the account holder, other than:
i. Where disclosure is under compulsion by law;
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ii. Where the interests of the bank require disclosure;

iii. Where disclosure is made by the express consent of the customer;
iv. Where disclosure is under an opinion on the customer given in the ordinary
course of business to another bank in response to the specific enquiry of
the other bank; or
v. Where the customer defaulted on his or her obligation to the bank.
2. Disclosure under paragraph 1(ii) shall be made only:
i. In the event of a legal action to which the bank is a party;
ii. Between banks related to each other through a common ownership
structure, but only to the extent of what is reasonably necessary for the
protection of the bank and its related banking companies against loss, in
relation to the provision of banking services; or
iii. In connection with, and insofar as necessary for, the proposed sale of the bank
itself, or a substantial part of its undertaking.
3. No disclosure shall be made under paragraph 1(iv) where the customer has
withheld consent to such disclosure, and unless the bank explained to the customer the
customers right to withhold consent. Such an explanation may be given to the customer in
connection with the opening of any account with the bank.
4. Disclosure under paragraph 1(v) shall be limited to the release of information to
a bank or a credit reference agency approved by the National Bank of Cambodia about the
default, and upon the customers failure to pay, provide adequate security, or otherwise
satisfy the bank within 30 days of a written demand for payment of the outstanding
obligation.
5. Damages awarded to a customer for the breach of an obligation under this Article
are not limited to monetary losses and may include compensation for proven distress,
embarrassment or inconvenience.
Article 222. A bank shall not unilaterally modify the terms of the agreement unless it
advises the customer at least 30 days before the change comes into effect. A modification
in breach of this provision is ineffective.
Article 223.
1. To be binding on the customer, an agreement must be fair and set out rights and
responsibilities clearly and in plain language, with legal and technical language used only
where necessary.
2. A bank shall exercise ordinary care in handling payment orders and all other
customers instructions.
- 113 -
3. A customer shall exercise ordinary care in order to prevent forgery and

unauthorized issue or alteration of payment orders and all other instructions to the bank,
and in order to ensure that they are clear and unambiguous.
4. The bank and customer shall exercise duties under this Law, including any
Regulation issued under its authority, and their agreement, in good faith.
5. Subject to any specific limitation or restriction provided by this or any other
Law, the bank is liable to the customer and the customer is liable to the bank for any loss
or damage caused by the breach of a duty under this Law.
Article 224.
1. A bank may apply funds or securities on deposit to collect its fees accrued for
services rendered to the customer, such as for the safekeeping, handling, and remittance of
funds in a bank deposit.
2. A bank may combine accounts of the same customer and apply a credit balance
in one account:
i. to honor a customers payment order for which there is no adequate cover in
the account on which it is drawn, or
ii. in satisfaction of any accrued debt owed and payable by the customer to the
bank,
Provided, in each case, the bank does not know that funds in a credit balance
so applied are in trust for another person.
3. Unless otherwise agreed, the bank may apply funds, securities or credit balance
under this Article only where such funds, securities or credit balance are available for
immediate withdrawal by the customer.
[[[
SECTION 8OPERATION OF THE PAYMENT SYSTEM

[[
Article 225. The National Bank of Cambodia shall be authorized to maintain on its books
accounts, including settlement accounts, for, and to accept deposits from, banks, in
domestic and foreign currencies, on such terms and conditions as it may prescribe by
regulation, and otherwise, as agreed.
Article 226. The National Bank of Cambodia shall determine, formulate, adopt, publicly
disclose and oversee the implementation of a payment system policy directed to the
greatest advantage of the people of Cambodia. The policy shall be consistent with best
international standards. It shall promote payment system safety and efficiency, control risk,
and promote competition in the market for payment services, consistent with the overall
stability of the financial system.
Article 227.
1. The National Bank of Cambodia may:
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i. Establish and maintain an information network for the financial system of

Cambodia,
ii. Operate, supervise, oversee and regulate the national payment system, for
payment transactions and cash withdrawals, including clearing and settlement
systems for domestic and foreign currency payments in Cambodia,
iii. Maintain a register for issued securities, establish a central depositary of
securities, maintain accounts for deposited securities, and operate, supervise
and regulate clearing and settlement systems for securities,
iv. Promote, organize, and participate in payment, clearing and settlement
systems in domestic and foreign currencies,
v. Assist banks in organizing and operating facilities for sending, processing and
receiving payment orders for their customers, as well as for the clearing and
settlement of interbank payments, including payments by check and other
payment instruments, in domestic and foreign currencies,
vi. Regulate, supervise and oversee, as well as set out conditions and requirements
for the licensing or registration of operators of payment systems and money
services, including for the transmission of money, the withdrawal of cash,
check cashing, money safekeeping, currency exchange, and the issue of
payment cards and payment instruments, and
vii. Establish procedures and issue regulations relating to such matters and
implementing its payment system policy under Article 226.
2. Regulations issued pursuant to this Article may provide for the validity of
bilateral and multilateral interbank netting agreements and interbank settlement rules, and
may specify that such agreements or rules supersede any inconsistent law, whether or not it
relates to insolvency proceedings. Regulations may also provide for the prevention or
reduction of risks associated with the failure to complete the settlement of obligations
resulting from an interbank multilateral clearing.
3. Without affecting the generality of this Article, for operators of payment
systems, money services, and of all clearing and settlement systems under this Article, the
National Bank of Cambodia shall have all powers available to it with respect to operators
covered under Article 7(11) of the National Bank of Cambodia Law.
Article 228. A bank shall be able to send, receive and process payment orders, and related
customers instructions, including for cash withdrawals, and otherwise participate in a
payment transaction. It may do so through one or more authorized third-party processors,
as may be agreed between the bank and the third-party processor, and subject to
requirements, conditions and restrictions that may be set out in regulations issued by the
National Bank of Cambodia.
Article 229. Other than specifically provided in any Article, the provisions of this Chapter
may not be varied or negative by either bilateral or multilateral agreement; except that an
agreement may:
- 115 -
i. Increase the customers rights as long as it does not adversely affect the
rights of any other person, and
ii. Provide for reasonable standards specifying ordinary care by each party, as
well as for a reasonable method for giving any advice under this Law and
any Regulation issued under its authority, and the agreement;
iii. Vary rights and obligations between and among banks, as long as it does
not adversely affect rights of any person not party to the agreement
including a non-bank customer.
CHAPTER VI SANCTIONS
Article 230.
1. The National Bank of Cambodia may promulgate regulations setting out
sanctions it may impose on and apply to persons who do not honor their liability in
connection with negotiable instruments and payment orders.
2. Sanctions for the breach of regulations under paragraph 1 above shall be:
a. A warning;
b. A reprimand;
c. A prohibition or restriction to issue any or all types of negotiable
instruments or authorize a debit transfer for a period of time not to exceed
12 months,
d. A penalty payment of 5 percent to 100 percent of the face value of any
dishonored instrument or payment order or instrument or authority issued
in violation of a prohibition or restriction;
3. Where there is no adequate cover for a valid check, the drawee bank that
dishonored the check shall record the incident and report it within two days of the dishonor
to the National Bank of Cambodia. The drawer of the check shall not be permitted to issue
a check or authorize a debit transfer for 12 months. Adequate cover may either consist of
actual funds forming a positive balance in the account or be given pursuant to an overdraft
facility a drawer has with the drawee bank;
4. The National Bank of Cambodia shall operate a Registrar recording all bank
accounts out of which checks may be drawn and debit transfers may be carried out, as well
as of all reported incidents, and issued warnings, reprimands, prohibitions and restrictions
under this Article. Upon the issue of each warning, reprimand, prohibition or restriction the
National Bank of Cambodia shall advise each bank in which the person against whom it
was issued maintains such an account and shall make such information available for banks
upon request.
5. A bank with knowledge of a prohibition or restriction issued under paragraph 3
shall require the person subject to the prohibition or restriction to immediately return all
blank unused forms of checks and authorizations to collect by debit transfer delivered to
- 116 -
him by the bank. A bank with knowledge of a prohibition or restriction shall be liable to
the holder of a check and originator of a debit transfer issued or authorized by a person
subject to a prohibition or restriction for the full amount of the check or debit transfer
where the blank form of the check or authorization to collect by debit transfer was
delivered to the person subject to the prohibition or restriction while the prohibition or
restriction was effective to the knowledge of the bank that delivered the blank form to the
person.
6. A prohibition or restriction under paragraph 3 is withdrawn where the National
Bank of Cambodia is advised that payment was made to the satisfaction of the holder.
Such payment shall include bank charges paid to the drawee bank, interest and damages at
a minimum of 5 percent of the principal amount paid to the holder, and penalty of one
million Riels paid to the National Bank of Cambodia. The National Bank of Cambodia
shall prescribe by regulations the manner of satisfying these requirements.
Article 231.
1. Any person who contravenes:
i. Any provision of this Law,
ii. Any regulation, directive or rule issued by the National Bank of Cambodia
in connection with any matter under those provisions, or
iii. A lawful request for information directed under this Law,
Is guilty of an offence, and is liable on summary conviction to a fine from 5 million
to 10 million Riels or to imprisonment for a term of 2 to 5 years, or to both.
2. Any person:
i. Who breaks a prohibition or restriction issued under Article 230,
ii. Who gives authority to originate a debit transfer out of his account with the
intention that the payment order shall not be honored, or
iii. Who alters, forges, counterfeits or falsifies a negotiable instrument authority
for collection by debit transfer, or payment order, and knowingly holds or
uses such an altered, forged, counterfeit or falsified instrument, authority
or payment order,
Shall be liable to a fine of 5 to 50 million Riels or to a term of imprisonment of 2 to
5 years.
3. Any person:
i. Who intentionally with the intent to harm another countermands or withdraws
cover for the payment of a check,
ii. Who incurs liability on a negotiable instrument with the intention that it
shall not be honored upon maturity,
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iii. Who up on maturity willfully and with the intent to harm another dishonors
an obligation incurred on a negotiable instrument
shall be liable to a fine of 2 to 6 million riels and to a term of imprisonment of 1 to 3
years, without prejudice to payment of the amount of the negotiable instrument in question to the
holder.
4. No action lies against the National Bank of Cambodia, any officer, employee, or
director of the National Bank of Cambodia, or any person acting under the direction of the
National Bank of Cambodia, for anything done or omitted to be done in good faith in the
administration or performance of any powers or duties under this Law.
Article 232.
1. In this Chapter, negotiable instruments, checks, bills of exchange, and
promissory notes include instruments that are used or treated as functionally equivalent to
them.
2. For a violation by a legal entity, any sanction under this Chapter may be applied
to any of its directors, organs, and officers.
3. Where a violation is committed through an agent, sanctions under this Chapter
may be imposed on or applied to the principal, agent, or both.
4. Sanctions under this Chapter are cumulative and without prejudice to any other
sanction under any other Law.
[
CHAPTER VII FINAL PROVISIONS

Article 233.
1. The National Bank of Cambodia shall issue regulations, rules, instructions, and
guidelines, as well as operating procedures, for the implementation of this Law,
particularly regarding:
i. Uniform structure for account identification and classification,
ii. The format of payment orders,
iii. The standards for the communication of payment orders,
iv. Forms of checks, bills of exchange, and promissory notes, as well as of all other
documents to be issued under this Law, whether by parties or officials, such
as for notice or protest, and pertinent procedures;
v. Bank duties, procedures and practices in receiving payment orders and carrying
out payment transactions,
vi. The bank account agreement, and information to be provided by banks to
customers,
- 118 -
vii. Statistical information to be provided by banks to the National Bank of

Cambodia required for the proper and effective conduct of monetary policy,
and
viii. Any other matter set out in a specific provision of this Law.
2. Regulations may be prescribed for the protection of customers and the integrity
and development of payment systems and the use of negotiable instruments in Cambodia.
To such ends, regulations may restrict, limit or preclude the use of checks or other payment
orders from designated categories of accounts and persons or set out conditions for such
use. Regulations issued under this Law may also restrict liability of individuals, or specify
restrictions and preconditions for such liability, in connection with, negotiable instruments
and payment transactions from or to accounts, used primarily for personal or household
and non-business purposes.
3. Regulations issued by the National Bank of Cambodia under this Law may
determine standards by which the performance of duties under the Law may be measured
and modify any time period or deadline for an action or inaction set by this Law, for all or
specified categories of parties, participants, negotiable instruments or payment
transactions.
4. Regulations issued by the National Bank of Cambodia under this Law are
binding on all parties interested in the handling of a payment order and shall supersede any
inconsistent agreement, including interbank clearing rule, to the extent of the
inconsistency.
5. Regulations, rules, instructions and guidelines issued by the National Bank of
Cambodia under this Law may govern procedures and provide for time limits, rights and
remedies in case of an emergency, including such as caused by computer breakdown or
system malfunction, preventing the effectuation of payment transactions or the execution
of payment orders. Regulations may suspend obligations and time limits for the duration of
the emergency.
6. Regulations issued by the National Bank of Cambodia are to be published in the
Official Gazette. They will take effect on the date of such publication or such later date as
they specify.
Article 234. All provisions contrary to this Law are hereby superseded. In case of conflict
between this Law and any other law, other than in a case specifically stated in this Law, the
provisions of this Law shall prevail.
Signature and Seal
NORODOM SIHAMONI
- 119 -
Submitted for the signature of H.M. the King

The Prime Minister
Signature
HUN SEN
Submitted for information

to Samdech the Prime Minister
The Governor of the National
Bank of Cambodia
Signature
CHEA CHANTO
N 423 C.L.
For certified copy
Phnom Penh, November 02, 2005
The General Secretary of the Royal Government
Signature
NADY TAN

(Cambodia - 2005) Law On Negotiable Instruments and Payment Transaction

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CMBUkTI 1

3- karecjmUlb,TanbRt brUbiyaNti sMedAdl;karsresr

RtUv)aneFVeI LIg bEdlmanKNnIrbs;Gk sgR)ak;kg karepr\NBn .

29- bBaaTUTat; sMedAdl;bBaa eTAFnaKar[eFVkiI arsgR)ak; bTar

elI]bkrN_GacCYjdUr)an . viruTvaTRtUvEt)aneFVIdUc nigenAeBlEdl

TTYlbBaaTUTat;cgu eRkaybgs; enAkg Rbtibtki arTUTat;sgR)ak; . enAkg

maRta 14>buKlNaEdl)ancuHhtelxa enAelImUlb,TanbRt kgnam

mUlb,TanbRt GacRtUv)aneFVbI di ei lx eTaHbI[eTAbharkkI b

maRta 22 nc,ab;enH Gkkan;EdlTTYl)anmUlb,TanbRtmkCakmsiTi

- minGnuvtkgkarpl;siTi eRkammaRta 22 maRta 24 nig

karbgajmUlb,TanbRt enA btamrysPapat;Tat; btamry

rUbiybNEdlRtUveRbIR)as; sRmab;TUTat;sgR)ak;elImUlb,TanbRt RtUv)ankMNt;dUcxageRkam

TUTat;sgR)ak; BMumannamcarwkdUcKa karTUTat;sgR)ak;nmUlb,TanbRt

kalebIGk eFVbI di ei lx min)anbBaak;GBM GI asydanrbs;xn bk

KarCatinkm<C a KitBIfEdl)anTUTat;sgR)ak; nigesahy

karkMNt;ryeBleFV]I )aRsydUcmanEcgkg maRta 55 nc,ab;

maRta 60>rUbiyaNti CabBaalaylkN_GkSreday\tlkxN ecjeday

elIkElgEtGkkan;enH )anTTYlrUbiyaNtimkedayTucrit bmankMhuseday

bidielxmYyeTot buKlEdlcuHhtelxaeFVIbidielxcugeRkayenH RtUv)an

rhUtdl;eBl\NRbtiTan Gkkan; bbKu l

karesIsMuenHminRtUvGnuvttamenaH)aneLIy elIkElgEtkaresIsMuenH RtUv

eFIVsIVkarEtmg . ebIKanesckIbBaak;enHeT GkeFIVsIVkarRtUv)ancat;Tukfa

pSayRtUv)anKittamf EdlRtUvKanwgRbtiTinnkEngRtUvTUTat;sgR)ak; ehIy

[tmlc; nM nY )ak;enaH enAGaCJaFrmansmtkic tamkarkMNt;rbs;FnaKar

- Edlkg enaH bhark)anbBaak;fa karTUTat;sgR)ak; RtUv

bgajKNnI EdlRtUvcuH\NBntamcMnnY R)ak;RtUvTUTat;sgRtUv)ancat;Tku Ca

- kgkrNIFnkSyrbs;bhark nrUbiyaNti EdlmineFIV

kSy karbgajsalRkm bsaldIkarbs;tulakarEdlRbkasBIFnkSy

ebIsiTieFIV])aRsy RtUv)anGnuvtmuneBldl;\NRbtiTan cMnYn

R)ak;CYs . kgkrNIKanesckIb Baak;enHeT karTUTat;sgR)ak;RtUv)ancat;

sVkI arrbs;xn ehIyEpkenaHenAkg drbs;Gkkan;Rsbc,ab; enAeBldl;

maRta 132>rUbiyaNtiEdldl;ryeBlkMNt;TUTat;sgR)ak; enAfQb;

maRta 136>bNsgtambBaaCa]bkrN_\NTan . bNsgtambBaa

ral;katBVkci nbuKldTeTot Edl)ancuHhtelxaelIbN

tambBaa bBakEdlmannydUcKa bNsgtambBaaenaHGacRtUv)anepr

kalebIbdi ei lxmYymanesckIb Baak;fa tmsRmab;Fana btm

karTUTat;sgbNsgtambBaa GacRtUv)anFanaedayrUbiybdePaK enAelIcMnYnR)ak;TaMgGs; bmYyEpknbNsgtambBaa .

ebIKanvirTu v aTeT Tida karEdlBM)u ancuHkalbriecT edayGkecj

)aneKarBtam ebIlixitCUndMNwgRtUv)anepJItamRbsNIy_ kgryeBl

karTUTat;sgR)ak;edayGnraKmn_ GaceFV)I an enAkg ral;krNI

maRta 186>buKlEdl)anTUTat;sgR)ak;edayGnraKmn_ TTYl)ansiTiTaMg

esahuy bbgVilvijedayKanviruTvaT besckIepSgNamYy Edlmanny

nCMBUkenH ehIybTb,BatiNaEdlBMumanEcgeT RtUvsitenAeRkamc,ab;

maRta 198>siTiGMNacrbs;GkTTYlkgkarepr\NBn mandUcxageRkam

enAeBlNaxg\; NTan Edl)ankt;Rtakg KNnIRtUv)an

6- edIm,IeKalbMNgnkfaxNTI 5 nmaRtaenH nigkfaxNTI

TUTat;enH FnaKareFVIbBaaTUTat;epJIeTAGkdMeNIrkarttiyPaKI edIm,IbBanbn

maRta 208>enAeBlbBabk; arepr\NTan FnaKareKaledAnwgkayeTACa

RbtibtikarTUTat;sgR)ak;RtUv)anbBab; . karTUTat;sg mankRmitRtwm

GkepJeI naHvij edayCUndMNgw GMBkI arbdiesFrbs;xn dl;Gk epIJ nigFnaKar

6- ryeBlEdl)ankMNt;tammaRta 210 nigmaRta 211 n

R)ak; RbsinebInigenAeBlNaEdlkarFanaelIkarTUTat;sgR)ak; RtUv)an

- buKlCaGkepJI bCndTeTot CaGkTTYlesckITukcit

maRta 216>FnaKarTTYl RtUvTTYlxusRtUvcMeBaHcMNaysmRsbtamlkN

c,as;las; EdlGac[GtifiCnsmal;)ankardkR)ak; kardak;epJIR)ak; b

ehIyGtifCi nRtUvTTYlxusRtUvcMeBaHFnaKar sRmab;karxatbg; bkarxUcxat

- dak;bBatikm RtYtBinit nigtamdankarGnuvt kdUcCa

cUlrYmenAkg Rbtibtki arTUTat;sgR)ak;pgEdr . FnaKarGaceFVIkick arenH

hamXat; bkardak;kMhit RbKl;RtLb;mkvijCabnan; nUvmUlb,TanbRt

RtUvpnaeTasBinyCaR)ak;BIR)aM 05lanerol dl;db; 10lanerol

nigEkERbkgGMLgeBl bkalkMNt;cugeRkayNamYy sRmab;kareFVI b

Law on Negotiable Instrument & Payment Transaction

With reference to the Constitution of the Kingdom of Cambodia