Modul Etika Layanan Nasabah 2

Akcrd 9

LKF]BP]H BSHLI DIXIFIF FI]IGIE H&

Srjrif Pbagbdijiwif 9& ]bsbdie pbagbdijiwif }h}~i abaprfxih pbfnbsierif sbfsifn pbfnbwshif bshli pbwgiflif 7& ]bsbdie pbagbdijiwif }h}~i abfnbsierh pbfnbwshif lkcb bshl pwkob}h pbwgiflif =& ]bsbdie pbagbdijiwif }h}~i cipis abfrfjrllif i}pbl!i}pbl pbfshfn bshli pbwgiflif 3& ]bsbdie pbagbdijiwif }h}~i cipis abfrfjrllif srjrif pbdil}ifiif bshli pbwgiflif 2& ]bsbdie pbagbdijiwif }h}~i cipis abfrfjrllif lihsif bshli pbwgiflif cbfnif lbwiei}hiif gifl ?& ]bsbdie pbagbdijiwif }h}~i cipis abagbwhlif abfrfjrllif gbfsrl!gbfsrl pbwhdilr dixifif fi}igie xifn gihl cif shcil gihl

HH& Aisbwh Pbagbdijiwif I& Pbfnbwshif cif Srjrif Bshli Pbwgiflif Gifl icidie gicif r}iei xifn abfnehaprf cifi ciwh ai}xiwilis cidia gbfsrl ]hapifif cif abfxidrwliffxi lbpici ai}xiwilis cidia gbfsrl lwbchs cif+isir gbfsrl dihffxi cidia wifnli abfhfnlislif siwio ehcrp wilxis& Bshli gbwi}id ciwh lisi Xrfifh bsek} gbfsrl jiailfxi ―si― ―bsei― gbwiwsh icis h}shicis& Bshli gbwergrfnif cbfnif lbgihlif ehcrp$ lbghi}iif isir liwilsbw gihl sbweicip }b}bkwifn$ ai}xiwilis isir sbweicip lbdkapkl ai}xiwilis& Bshli icidie }bgrie hdar xifn abapbdijiwh ginihaifi gbwpbwhdilr jrjrw$ gbfiw cif ichd& ! Bshli pbwgiflif: hdar sbfsifn ipi xifn ghi}i chdilrlif isir hdar sbfsifn icis lbghi}iif cidia }risr pbwr}ieiif pbwgiflif ! Fi}igie: kwifn isir gicif xifn abahdhlh }hapifif isir phfjiaif pici gifl ! Bshli dixifif fi}igie: wifnlihif shfcilif gihl oh}hl iaprf icahfh}swisho xifn chsrjrlif nrfif abafreh lbhfnhfif fi}igie ilif }b}risr pwkcrl p wkcrl isir ji}i xifn abwbli grsrelif Abfnipi Pbwgiflif pbwdr bshli ; 9& Gifxilfxi Gifl cbfnif Cixi Siwhl ai}hfn!ai}hfn 7& ]bdbwi lkf}rabf wbdisho }bwinia =& Pwkcrlfxi arcie chshwr 3& Ehcrp aishfxi gifl }ifnis sbwnifsrfn s bwnifsrfn lbpbwmixiif ai}xiwilis 2& Gifl abwrpilif ifnnksi ai}xiwilis ?& Gifl abfnrsiailif mhswi pbdixifif sbwgihl Kdbe }bgig hsr srjrif ciwh bshli abfnimr pici srjrif ji}i pbwgiflif }bpbwsh xifn chlbarlilif kdbe Ei}hgrif %700>:933($ }gg : 9& Abfckwkfn sbwmipihfxi sbwmipihfxi srjrif gifl 7& Abfhfnlislif lbpbwmixiif lbpbwmixiif ai}xiwilif lbpici lbpici gifl =& Abfnhfokwai}hlif }iwifi pbfigrfnif cif jbfh}!jbfh} lwbchs xifn chgbwhlif kdbe gifl 3& Abapbwgb}iw pbfiwhlif pbfiwhlif cifi cif pbfxidrwif lwbchs gifl 2& Abapbwgb}iw cixi }ihfn gifl G& I}pbl!I}pbl Pbfshfn Bshli Pbwgiflif I}pbl!i}pbl pbfshfn bshli pbwgiflif abdhprsh > %srjre( eid<

9

9&

Bshli Abdixifh Fi}igie 7& Abaieiah lbhfnhfif Fi}igie ! Abfnbfid cif abfnbsierh lbairif ! Cipis chpbwmixi fi}igie ! Pbdixifif xifn mbpis cif ilrwis ! Abfnhfokwai}hlif pwkcrl!pwkcrl gifl ! Abdixifh cbfnif sbdhsh ! Shcil abail}ilif lbebfcil ! Pbdixifif xifn h}shab~i ! Dr~b} cif srfsi} cidia abdixifh ! Abagbwhlif jidif lbdriw xifn gihl ! Abfjiahf wiei}hi fi}igie ! Abdixifh cbfnif wiaie Shcil gbwpwi}ifnli fbnisho Pbdixifif xifn shcil gbwgbdhs!gbdhs ! ! Abdixifh cn }bfxra cif mbwhi ! Sblrf abfcbfniwlif lbdreif fi}igie !

=& Bshli Pbfiaphdif Pwhgich ! Gbwsrsrw lisi wiaie abfxbfifnlif ! Gbwpbfiaphdif ~ijiw cif }ifsrf ! Arwie }bfxra cif wbfcie eish ! Pifcih gbwnird ! Gbwpbfiaphdif sbfifn ! Abfneiwnih kwifn dihf ! Aiapr abfnbfcidhlif bak}h chwh ! Aiapr abfxbfifnlif di~if ghmiwi

3& Bshli Sbwlihs cn Bsk} lbwji ! Abahdhlh ch}hpdhf shfnnh ! Cbchli}h cif dkxidhsi} shfnnh ! Abahdhlh akshvi}h shfnnh ! Abaifoiislif jia lbwji cn boblsho ! Abahdhlh pbwbfmifiif xnaisifn ! Aiapr abai}ifn siwnbs abfifsifn ! Gbwifh abfniaghd wb}hlk ! Hfh}hisho shfnnh cif hfkvisho ! Lwbishvhsi} shfnnh Aiapr abagris }lidi pwhkwhsi} !

2& Bshli Ergrfnif Pbw}kfid ?& Bshli Sbwlihs cn Isi}if ! Gbw}hois jrjrw cif sifnnrfn ji~ig ! Dkxid }bmiwi wi}hkfid pici isi}if ! Shcil }rli abfxilhsh kwifn dihf ! Shcil }bskw ai}idie siph }kdr}h ! Wiaie cif Shcil }kagkfn ! Abfneiwnih }hipiprf }bginih isi}iffxi ! Shcil arcie cbfcia ! Gbwpwhf}hp Gk} cif Sha eiwr} }rl}b} ! Air abfnilrh lbdbgheif kwifn dihf ! Shcil abfnnrwrh isi}if ! Aiapr abfbapislif chwh ! Shcil abfnnrfjhfn lbdbaieif isi}if ! Arcie abahfsi aiio cif isir ! Ai}idie Gk} jrni ai}idie gi~ieif abaiiolif ! Gbdijiw ciwh lbdbgheif isi}if ! Arcie chijil lbwji}iai ! Shcil }rli abagris lkfodhl >& Bshli Sbwlihs cn Pbfnbfcidhif Chwh Aiapr abfnkfswkd pbaghmiwiif ! Aiapr abfnbfcidhlif bak}h ! ! Shcil gbw}hlip Hwh cif cbfnlh ! Aiapr abfieif nkciif aisbwh ! Aiapr abfieif nkciif }bdhfnlre ! Aiapr abfnbfcidhlif wi}i lbmb~i ! Aiapr gbw}hlip pk}hsho cidia }bship pbwrgieif ! Aiapr aifchwh cif gbw}hlip cb~i}i M& Lkcb Bshl Pwkob}h Pbwgiflif

7

Pwkob}h icidie —jigisif }b}bkwifn ~idir pwkob}h sbw}bgrs shcil gbw}hois lkabw}hid‑& ]bmiwi swich}hkfid ici 3 pwkob}h xifn }rcie chlbfid xihsr lbcklsbwif$ erlra$ pbfchchlif$ cif lbpbfcbsiif& Mhwh!mhwh pwkob}hkfidh}ab: 9& Prfxi lbswiaphdif xifn shfnnh cidia }risr ghcifn }bwsi lbaiehwif cidia abfnnrfilif pbwidisif sbwsbfsr xifn chpbwdrlif cidia pbdil}ifiif srni} xifn gbw}ifnlrsif 7& Prfxi hdar cif pbfnidiaif }bwsi lbmbwci}if cidia abfniaghd lbprsr}if sbwgihl =& Prfxi }hlip gbwkwhbfsi}h lb cbpif abfxb}rihlif pbwlbagifnif dhfnlrfnif 3& Prfxi }hlip aifchwh gbwci}iwlif lbxilhfif ilif lbaiaprif pwhgich }bwsi sbwgrli abfxhail cif abfneiwnih pbfcipis kwifn dihf Abfrwrs Iwshlbd cidia Hfsbwfishkfid Bfmxmdkpbchi ko bcrmishkf$ ici 90 mhwh lei} }risr pwkob}h$ xihsr: 9& ]risr ghcifn pblbwjiif xifn sbwkwnifh}hw ciwh jbfh} hfsbdblsrid xifn sbwr} gbwlbagifn cif chpbwdri} 7& ]risr sblfhl hfsbdblsrid =& Pbfbwipif pwilsh} ciwh sblfhl hfsbdblsrid pici rwr}if pwilsh} 3& ]risr pbwhkcb pifjifn rfsrl pbdisheif cif }bwshohli}h 2& Gbgbwipi }sifciw cif pbwfxisiif sbfsifn bshli xifn cipis ch}bdbfnniwilif ?& Lbaiaprif rfsrl lbpbahaphfif pici pwkob}h }bfchwh >& I}k}hi}h ciwh ifnnksi pwkob}h xifn abfjich }risr lbdkapkl xifn bwis cbfnif lridhsi} lkarfhli}h xifn shfnnh ifsiw ifnnksifxi 5& Pbfnilrif }bginih pwkob}h 8& Pbweishif xifn pwkob}hkfid sbweicip pbfnnrfiif xifn gbwsifnnrfn ji~ig ciwh pblbwjiif pwkob}h 90& Ergrfnif xifn bwis cbfnif pwkob}h dihf SRJRIF LKCB BSHLI PWKOB]H Pwhf}hp!pwhf}hp rara xifn chwrar}lif cidia }risr pwkob}h ilif gbwgbci }isr cbfnif xifn dihffxi& Eid hfh ch}bgiglif pbwgbciif icis$ lbghi}iif$ lbgrcixiif$ cif pbwifif sbfini iedh pwkob}h xifn chcbohfh}hlif cidia }risr fbniwi shcil s hcil }iai& Iciprf xifn abfjich srjrif pklkl ciwh wrar}if bshli xifn chsrifnlif cidia lkcb bshl %Mkcb ko mkfcrms( pwkob}h icidie: 9& 7& =&

3&

2&

]sifciw!}sifciw bshli abfjbdi}lif cif abfbsiplif sifnnrfn ji~ig sbweicip ldhbf$ hf}shsr}h$ cif ai}xiwilis pici rarafxi ]sifciw!}sifciw bshli abagifsr sbfini iedh pwkob}h cidia abfbfsrlif ipi xifn eiwr} abwbli pbwgris lidir abwbli abfneiciph chdbai!chdbai bshli cidia pblbwjiif ]sifciw!}sifciw bshli abaghiwlif pwkob}h abfjini wbprsi}h isir fiai cif orfn}h!orfn}h pwkob}h cidia ai}xiwilis abdi~if lbdilrif!lbdilrif xifn jieis ciwh ifnnksi!ifnnksi sbwsbfsr ]sifciw!}sifciw bshli abfmbwahflif + abagixifnlif pbfneiwipif akwid!akwid ciwh lkarfhsi}$ cbfnif cbahlhif }sifciw!}sifciw bshli abfjiahf gie~i piwi ifnnksi pwkob}h ilif abfiish lhsig RR bshli %lkcb bshl( pwkob}h cidia pbdixififfxi ]sifciw!}sifciw bshli abwrpilif ci}iw rfsrl abfjini lbdilrif cif hfsbnwhsi} isir lbjrjrwif ciwh sbfini iedh pwkob}h

=

?& Pbwdr chlbsierh gie~i lkcb bshl pwkob}h icidie shcil }iai cbfnif erlra %isir rfcifn! rfcifn(& ]bkwifn iedh pwkob}h xifn abdifnniw lkcb bshl pwkob}h ilif abfbwhai }ifn}h isir cbfci ciwh hfcrl kwnifh}i}h pwkob}hfxi LKCB BSHL PBWGIFLIF: PBWGIFLIF : }h}sba fkwai$ fhdih cif isrwif pwkob}hkfid xifn abfxisilif pbwgrisif ipi xifn gbfiw isir }idie$ pbwgrisif ipi xifn eiwr} chdilrlif cif ipi xifn eiwr} chehfciwh kdbe piwi pbdilr pwkob}h pbwgiflif %giflhw( Lkcb Bshl Cidia Gh}fh} Lkcb bshl cidia gh}fh} abfnrpixilif rfsrl abfmbnie sbwjichfxi gbfsrwif!gbfsrwif lbpbfshfnif xfin ilif abwrnhlif gbgbwipi pheil$ ~idirprf ai}he cidia gbfsrl ehagirif& ]bgig gbwgbci }blidh cbfnif lihcie erlra xifn cbfnif sbni} ilif abagbwh }ifl}h fxisi ginh piwi pbdifnniwfxi }bmiwi erlra$ }bcifnlif pbdifnniwif lkcb bshl gbdra abaprfxih }ifl}h xifn cipis chdil}ifilif& Eifxi cbfnif lb}iciwif piwi pbdilr gh}fh}$ lkcb bshl iligf chsiish gbw}iai }behfnni eid sbw}bgrs jr}swr ilif cipis abdhfcrfnh gh}fh} xifn chlbdkdifxi& ]hlip jrjrw cif pisre sbweicip }sifciw bshli gh}fh} ilif cipis abfragrelif wi}i }idhfn pbwmixi$ }idhfn abfnekwaish chifsiwi piwi pbdilr gh}fh}$ xifn ici nhdhwiffxi fifsh ilif gbwciapilpici icifxi boh}hbf}h cidia gbwr}iei }bwsi abfmhpsilifhldha pbw}ihfnif xifn }beis chcrfhi gh}fh} }behfnni lbpbfshfnif }bari pheil xifn sbwlihs$ sbwai}rl piwi pbdifnnif ilif cipis chdixifh cbfnif abari}lif sifpi ici gbfsrwi!gbfsrwif& Eid hsr }bjidif cbfnif icifxi oid}ioie pifmi}hdi xifn sbwcipis ch Fbniwi lhsi xifn hfshfxi icidie }hlip pbfnbfcidhif chwh& Ah}idlif }iji$ }bari gh}fh} sbfsr gbwkwhbfsi}h pici lbrfsrfnif$ sbsiph ginihaifilie lhsi cipis abfmipih lbrfsrfnif sbw}bgrs sifpi gbwsbfsifnif cbfnif fhdih!fhdih grcixi cif aiwsigis lbaifr}hiif& Lbrfsrfnif abwrpilif eil$ sbsiph lhsi jrni eiwr} abfnhfnis lbpbfshfnif pbdifnnif isir ai}xiwilis& Jich$ ginihaifi lhsi eiwr} abfmipih lbrfsrfnif }bmiwi ~ijiw }behfnni }hlip }kdhciwhsi} }k}hid ciwh gh}fh} sbweicip ai}xiwilis sbsip sbwjini& Ci}iw!ci}iw Bshli Pbwgiflif ]bpbwsh xifn sbdie lhsi lbsierh gbw}iai gie~i$ gifl abwrpilif dbagini lbrifnif xifn r}iei pklklfxi abagbwhlif lwbchs ji}i!ji}i cidia didr dhfsi} pbagixiwif cif pbwbciwif& Dbagini lbrifnif icidie }bari gicif xifn lbnhisiffxi abfiwhl rifn ciwh ai}xiwilis cif abfxidrwliffxi lbpici ai}xiwilis& Jich srni} rsiai gifl }bginih dbagini lbrifnif hidie$ kpbwi}h pbwlwbchsif ilsho %pbfmhpsiif isir pbagbwhif lwbchs xifn chdilrlif chdilrlif kdbe gifl ( cif pi}ho abfbwhai }hapifif gbwgbfsrl gbwgbfsrl nhwk$ cbpk}hs$ sigrfnif isirprf gbfsrl shshpif dihffxi xifn chpbwmixilif kdbe ai}xiwilis ( }bwsi }bginih pbwifsiwi chghcifn pbwlwbchsif$ mkfskefxi abagbwhlif ji}i!ji}i xifn dihffxi ah}idfxi$ hfli}k$ swif}obw$ hfokwai}h cif dihf!dihf& Cbfnif icifxi gbgbwipi srni} rsiai gifl }bpbwsh chisi}$ aili oimskw lbpbwmixiif ciwh pheil dihf cif fi}igie abwrpilif pbfrfjifn rsiai ginh difmiwfxi kpbwi}hkfid gifl& ]bdihf hsr eid hfh jrni abwrpilif bshli pbwgiflif cidia ergrfniffxi cbfnif pheil dihf& Cidia hfh eid giflhw  3

xifn abaprfxih pbwif cidia eid abahdhlh iledil$ akwid cif lbiedhif chghcifn pbwgiflif + lbrifnif& Liwfi$ piwi giflhw hfh abaprfxih ah}h rfsrl abagbwhlif fi}heis xifn kgjblsho ginh fi}igiefxi cif eiwr} aiapr abfchcl fi}igiefxi cidiai iwsh cipix abagbwhlif pbfjbdi}if chghcifn icahfh}swi}h$ pbagrlrif$ pbai}iwif cif dihf!dihf& Fi}heis xifn kgjblsho icidie }bkwifn giflhw eiwr} cipis gbw}hlip kgjblsho$ shcil abaheil$ jrjrw  sbweicip fi}igie cif cipis abahdhe pwkcrl isir ji}i xifn pidhfn sbpis ginh fi}igiefxi$ iwshfxi shcil abail}ilif fi}igie rfsrl abagbdh ipi }iji xifn chsi~iwlif kdbe giflhw sifpi abapbwshagifnlif lkfch}h cif }sisr} fi}igie& Giflhw jrni eiwr} abfjini iniw ablifh}ab iwr} }rwis!}rwis gbweiwni % odk~ ko ckmrabfs} ( cipis gbwjidif difmiw cif abfhfcil jhli$sbwjich pbwaihfif xifn mrwifn cidia pbfnbdkdiif iwr} cklrabf gbweiwni sbw}bgrs ch cidia gifl& Cidia eid cbahlhif$ phaphfif gifl gbwlb~ijhgif cif gbwsifnnrfnji~ig : 9& Abfnbagidhlif }bdrwre isir }bginhif }hapifif pici ~ilsr chahfsi kdbe fi}igie }bmiwi pwhgich airprf cbfnif }rwis lri}i& 7& Abfjini lbwiei}hiif lbrifnif gifl abfrwrs lbdizhaif cidia crfhi pbwgiflif& =& Abagbwh hfokwai}h xifn ilrwis cif kgxbl jhli chahfsi kdbe fi}igie& 3& Srwrs abfjini cif ababdheiwi lb}sighdif fhdih wrphie& 2& Abfjini cif abadheiwi kwnifh}i}h$ sisi lbwji cif icahfh}swi}h cbfnif gihl& ?& Abfxidrwlif lwbchs }bmiwi dbghe }bdblsho lbpici midkf cbghsrw& Ciwh pbfjbdi}if chisi} cipis chlbsierh gie~i ch}hfh phaphfif gifl eiwr} dbghe abfnrsiailif lbpbfshfnif ai}xiwilis dri} ciwhpici lbpbfshfnif gifl isir pwhgich& Piwi pbabnifn }ieia prf eiwr} abfnbsierh gie~i }bari lbprsr}if wipis pbabnifn }ieia eiwr} }b}rih cbfnif ifnniwif ci}iw cif ifnniwif wraie sifnni& Cif ipighdi ici lbghjilif! lbghjilif xifn abfxhapifn ciwh ifnniwif ci}iw aili eiwr} ch}bsrjrh }bmiwi gbw}iai& ]bdihf hsr piwi pbabnifn }ieia jrni eiwr} abfxiciwh gie~i gh}fh} pbwgiflif grlif gh}fh} rfsrl abapbwkdbe isir abfmiwh lbrfsrfnif }baisi$ siph gh}fh} pbwgiflif dbghe abfnrsiailif lbpbfshfnif }kmhid blkfkah ai}xiwilis gifxil& Gh}fh} pbwgiflif icidie gh}fh} xifn sbwhlis cidia }risr }x}sba akfbsbw cidia Fbniwi sbwsbfsr cif shfnnh shfnlis lbsbwhlisiffxi cbfnif dbagini pbwgiflif isir dbagini lbrifnif }bmiwi lb}bdrwreif airprf cbfnif lbehcrpif pbwblkfkahif Fbniwi sbw}bgrs& Cbfnif cbahlhif$ ghdi }idie }isr gh}fh} pbwgiflif shcil pisre sbweicip }sifciw bshli pbwgiflif$ aili }bdrwre dbagini pbwgiflif isir dbagini lbrifnif dihffxi jrni sbwlbfi ciapilfxi& Bshli cif lb~ijhgiffxi }bergrfnif cbfnif srni} ch dhfnlrfnif pbwgiflif rfsrl }bship pbsrni} gifl$ giflhw airprf phaphfif }bginih gbwhlrs : 9& Gifl ~ijhg abagbwhlif dipkwif pici Gifl Hfckfb}hi rfsrl abfnbsierh pk}h}h pbwgiflif cif akfbsbw }bwsi lbnhisif pbwblkfkahif cif pbabwhfsie cipis abfbfsrlif lbghjilif blkfkah cif akfbsbw& 7& ]bship gifl ~ijhg abfnraralif Fbwimi cif Dipkwif wrnh!digi xifn }bgbfiwfxi ship sierf cbfnif chsbwghslif pici }rwis ligiw$ iniw ai}xiwilis cipis abfnbsierhfxi& =& Gifl ~ijhg abfjini lbwiei}hif lbrifnif piwi fi}igie ciwh }hipiprf$ lbmridh jhli ici 2

}xiwis wb}ah ciwh Abfswh Lbrifnif }bmiwi sbwsrdh} rfsrl lbpbwdrif pbwpijilif cif pbwichdif& 3& Pbsrni} gifl abaprfxih lb~ijhgif rfsrl shcil abaghmiwilif sbfsifn lbrifnif fi}igiefxi ch driw lbpbfshfnif chfi} cif gbwlb~ijhgif rfsrl abfjini cif ababdheiwi iw}h isir }rwis!}rwis ifsiwi gifl cbfnif fi}igiefxi& 2& Cidia eid pbagixiwif pijil$ piwi giflhw eiwr} abdil}ifilif pbakskfnif pijil pbfcipisif isi} nijh$ rpie isir ekfkwiwhra piwi liwxi~iffxi cif gbwlb~ijhgif abagixiw  pijil pbwr}ieiif& ?& Gifl eiwr} abfnrpixilif rfsrl }bdidr cipis ababfreh jifjh isir pbw}bsrjrif xifn sbdie ch}bpilish cbfnif piwi fi}igiefxi& >& Gifl jrni eiwr} abagbwhlif fi}heis xifn kgxblsho$ shcil abaheil cif shcil abfnhlis ginh piwi fi}igiefxi& ]bgig$ fi}igie xifn cishfn lb gifl icilidifxi pbfre }ri}ifi }bwgi shcil pi}sh$ jbfh} ji}i ipi xifn }bgihlfxi ilif chphdhefxi& Kdbe liwbfifxi$ gifl eiwr} cipis abfiaphdlif gbgbwipi phdheif pwkcrl + ji}i gifl ginh piwi fi}igiefxi& ]idie }isr eid xifn eiwr} chehfciwh ifsiwi giflhw cif fi}igie icidie abfnehfciwh icifxi ergrfnif pwhgich }behfnni cipis abfjrwr} lb iwie ergrfnif ergrfnif xifn lrwifn }beis ah}idlif$ giflhw abagbwhlif lbarcieif!lbarcieif ginh }b}bkwifn fi}igie chliwbfilif icifxi rpbsh isir nhos cif }bjbfh}fxi& Liwbfi eid hfh ilif abwrnhlif fi}igie dihf xifn gbwpbwhdilr ~ijiw cidia ergrfnif lbwjifxi cbfnif gifl& Bshli Giflhw  Giflhw xifn pwkob}}hkfid icidie giflhw xifn abahdhlh hfsbnwhsi} pwhgich$ lbiedhif cif sifnnrfnji~ig }kmhid xifn shfnnh }bwsi ~i~i}if xifn dri} iniw aiapr abdil}ifilif pdi aifijbabf gifl xifn pwkob}}hkfid prdi& Giflhw xifn pwkob}}hkfid abaifn chsrfsrs abdil}ifilif 7 eid pbfshfn xihsr$ cipis abfmhpsilif digi cif abfmhpsilif hldha gh}fh} pbwgiflif xifn }beis& Fiarf cidia pbfmhpsiif digi sbw}bgrs$ giflhw eiwr} sbsip sbwlbfcidh %pwrcbfs (& Abfjich giflhw xifn pwkob}}hkfid ababwdrlif gbgbwipi pbw}xiwisif$ chifsiwifxi icidie: 9& 7& =& 3& 2& ?& >&

Abahdhlh }lhdd %lbsbwiaphdif( cif lfk~dbcnb %pbfnbsierif( Aiapr abfbwhai sblifif ciwh pheil aifiprf sifpi abfnrwifnh lhfbwjifxi Abahdhlh hfh}hisho cif ilsho cidia pbfmipihif srjrif }bwsi shcil gbw}hlip abfrfnnr Abahdhl jkg akshvishkf xifn shfnnh Abahdhlh jh~i lbpbahaphfif %dbicbw}ehp ighdhsx( Abaprfxih }idb} ighdhsx Abahdhlh lbaiaprif rfsrl : abfxr}rf wbfmifi$ abfnkwnifh}i}hlif$ abfbsiplif pwk}bcrw lbwji cif abfnbfcidhlif srni} pblbwjiif iniw abfrjr lbi wie pbfmipihif srjrif gifl

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]hipilie xifn chlisbnkwhlif }bginih —pbni~ih gifl‑

Abfrwrs pbfjbdi}if pi}id 3> ixis %7( xifn chail}rclif —pbni~ih gifl‑ icidie —}bari pbjigis cif liwxi~if gifl‑& Dhfnlrp }i}iwif shfcil phc ifi wiei}hi gifl abfrwrs pi}id s}g sbwdidr dri}$ liwbfi gbwiwsh wiei}hi gifl gbwdilr ginh }hipi }iji xifn abfjich pbni~ih gifl$ }blidhprf pbni~ih gifl sbw}bgrs shcil abaprfxih il}b} isir sil abaprfxih ergrfnif }iai }blidh cbfnif fi}igie 99

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97

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