Oÿn

Oÿncmk
cmk 6 J07
J07-UU
-UU-UX
-UX-50
-50.5>
.5>
Zgrs
Zgrscÿ
cÿi
i 6 05
_ÁD@HK Jg
Jgob
ob`` 6 87
87/5
/58/
8/85
8503
03
Uàmci` 60

J@OWD^@N NG CIMGICGXÁ@ S @XPWC^GO^WX@

G_OWGD@ UXKJG_CKI@D NG CIMGICGXÁ@ OCZCD

_ÁD@HK

CIMGICGXÁ@ _Á_ACO@

C. N@^K_ MGIGX@DG_

0.0 Wicn`n @o`nãaco`6 G_OWGD@ @O@NÃACOK UXKJG_CKI@D NG CIMGICGXÁ@ OCZCD

0.8 _gagstrg @o`nãacok6 858550
0.? Ocodk ng gstuncks6 ZCC
0.> Xgqucsctks6 CIMDÃ_ Z(ONCU@57), CIMGICGXÁ@ NG D@ OKI_^XWOOCßI CC(MGOD:58)
0.7 O`ràotgr6 Khdcm`tkrck
0.: Iöagrk ng Orãnctks6 >.5
0.= Nur`ocÿi6 0: sgsckigs (50/5:/8585 - 82/5:/8585)
0.2 Iµ ng bkr`s sga`i`dgs6 7.55 (?.55 ^gkrá` y 8.55 Uràotco`)

0.3 Nkogitg(s)6 Ducs Xgyi`dnk @d`rok Mutcgrrgz (d`d`rokmEuovvcrtu`d.gnu.pg)

CC. _WACDD@

Cimgicgrá` _ásaco` gs ui` gxpgrcgioc` ourrcoud`r ngd àrg` ng Jkra`ocÿi Urkjgscki`d. Gs ng i`tur`dgz` tgÿrcok pràotco` y ng o`ràotgr khdcm`tkrck.
^cgig okak prkpÿsctk
prkpÿsc tk hrcin`r dks okiogptks
okiogptk s nngg d` nciàaco` gstruotur`d
gstruotu r`d `i`dcz`ink
`i`dcz` ink prkhdga`s
prkhdga `s ng v`rcks
v `rcks mr`nks ng ddchgrt`n
chgrt`n y gd `iàdcscs
`iàdcsc s
sásacok ng gncjco`ockigs, okaprging6 Citrknuoocÿi ` d` scsakdkmá`, nciàaco` gstruotur`d, gspgotrks ng rgspugst`, scstga`s dcig`dgs ng v`rcks
mr`nks ng dchgrt`n, `iàdcscs sásacok `prkxca`nk, `iàdcscs sásacok gstàtcok, `iàdcscs sásacok nciàacok, `iàdcscs sásacok `utka`tcz`nk.

CCC. OKAUG^GIOC@

Gxpdco` d` jgikagikdkmá` sásaco` gi iugstrk p`ás y su ciocngioc` gi d`s gstruotur`s ng a`igr` qug `i`dcz` y o`doud` d` rgspugst` gdàstco` ng
ãst`s gstruotur`s skagtcn`s ` scsaks agnc`itg d` `pdco`ocÿi ng ncvgrsks aãtknks sgmöi dk ncspugstk gi d` Ikra` ng ncsgðk scsakrrgscstgitg
G - 5?5, ngakstr`ink rgspkis`hcdcn`n
rgspkis`hcdcn`n y tr`h`fk gi gqucpk.

CZ. UXKMX@A@OCßI @O@NÃACO@

^GA@_ ^X@I_ZGX_@DG_
^X@I_ZGX_@DG_

• Mgstcÿi ng rcgsmks
• Okistctuocÿi y ngrgobks bua`iks
• Oudtur` `ahcgit`d

>.0 UXCAGX@ WICN@N6 CI^XKNWOOCßI - UXKUCGN@NG_ NG DK_ _C_AK_ ‟ NCIÀACO@ G_^XWO^WX@D ‟

IKXA@ UGXW@I@, G_UGO^XK_ NG XG_UWG_^@ - XG_UWG_^@ @I^G _C_AK_ _GZGXK_, XG_UWG_^@ @I^G
_C_AK_ _GZGXK_

>.0.0. NWX@OCßI6 0: _gsckigs (50/5:/8585 - 82/5:/8585)

>.0.8. UXKMX@A@OCßI6

Zcogrrgotkr`nk Xgprgsgit`itg ng d`
Gd`hkrÿ Xgvcsÿ @p
@ prkhÿ Xgotkr`nk
@o`nãacok Ncrgoocÿi

Ikt`6 Ou`dqucgr nkouagitk caprgsk

caprgsk ncjgrgitg ngd krcmci`d, y ou`dqucgr `robcvk gdgotrÿicok qug sg giougitrgi jugr`
jugr` ng d`
citr`igt WOZ sgrài okiscngr`nks okak OKUC@ IK OKI^XKD@N@.
 Oÿn
Oÿncmk
cmk 6 J07
J07-UU
-UU-UX
-UX-50
-50.5>
.5>
Zgrs
Zgrscÿ
cÿi
i 6 05
_ÁD@HK Jg
Jgob
ob`` 6 87
87/5
/58/
8/85
8503
03
Uàmci` 68

>.0.8. UXKMX@A@OCßI6
UXKMX@A@OCßI6

UXKNWO^
_G_Cß K_
O@U@OCN@NG_ ^GAÀ^CO@
I @O@NÃACO
K_

Cngitcjco` d` Cimgicgrá` Ngjcicocÿi, rgsgð` bcstÿrco` ng dks scsaks gi gd Ugrö y gi gd auink, gst`nk ngd `rtg,
0 okapkrt`acgitk gdàstcok ng d`s gstruotur`s, agtknkdkmá` ng civgstcm`ocÿi, Cijkrag
_csakrrgscstgitg
civgstcm`ocÿi y dgoockigs ng dks scsaks p`s`nks
Cngitcjco` d`s prkpcgn`ngs
8 Krcmgi
Krcmgi y I`tur
I`tur`dg
`dgz`
z` ng
ng dk
dkss _c
_csak
saks,
s, tgotÿ
tgotÿico
ico`` ng Ud`o
Ud`o`s
`s gi
gi gd Ugr
Ugröö y gi
gi gd auin
auinkk Cijkra
Cijkragg
ng dks scsaks
Gxpdco` gd juiocki`acgitk
? gd juiocki`acgitk ng d` Okapkigitgs ng mgigr`ocÿi ng tgrrgaktks y Kin`s _ásaco`s Cijkrag
cistruagit`ocÿi
Gxpdco` gd juiocki`acgitk ^r`h`fk
Cistruagit`ocÿi p`r` d`s agncockigs sásaco`s, agncocÿi ng dks _csaks, citgiscn`n y
> gd juiocki`acgitk ng d` Uràotcok
a`mictun. Cistruagitks sásacoks
cistruagit`ocÿi Mrup`d
@i`dcz` dks scstga`s
scstga`s y _cstga`s y mr`nks ng dchgrt`n, scstga`s ng ui mr`nk ng dchgrt`n, gou`ocÿi ng
Uràotco`
7 mr`nks ng dchgrt`n gi gqucdchrck nciàacok, vchr`ocÿi dchrg sci `akrtcmu`ocÿi, pgrcknk ng vchr`ocÿi,
O`dcjco`n`
gstruotur`s jrgougioc` y `apdctun ngd akvcacgitk.

: @i`dcz`ng
mr`nks dksdchgrt`n
scstga`gi
scstga`s
sy
gstruotur`s
@i`dcz` gd scsak y gd
gd
okapkrt`acgitk ng
aurks ng `dh`ðcdgrá`.
Gitcging dks akngdks ng
= o`rm`s skhrg dks scstga`s
gstruotur`dgs oki
`akrtcmu`acgitk y
jugrz`s tr`isactcn`s `d
ocacgitk
Gx`aci` gd tr`t`acgitk
ng dks n`tks p`r` vgrcjco`r
2 Cijkrag
d`s Ikra`s ng ncsgðk
scsakrrgscstgitg
Zchr`ocÿi dchrg oki `akrtcmu`ocÿi,
oki `akrtcmu`acgitk scstga`s
scstga`s
orátcok, gstruotur`s oki skhrg-`akrtcmu`acgitk,
skhrg-`akrtcmu`acgitk,
suh-`akrtcmu`n`s y gstunck ngd akngdks
akngdks Cijkrag
ngorgagitk dkm`rátacok
@pdco`ocÿi ng vchr`ocÿi dchrg `akrtcmu`n`,
`akrtcmu`n`, rcmcngz
rcmcngz d`tgr`d ng pÿrtcoks
pÿrtcoks y aurks ng
`dh`ðcdgrá` ng ui mr`nk ng dchgrt`n, rgspugst` ng scstga`s oki ui mr`nk ng dchgrt`n.
Akngdks gstruotur`dgs
gstruotur`dgs `itg o`rm`s `raÿico`s, rgspugst` ng o`rm` `raÿico` skhrg Cijkrag
scstga`s oki `akrtcmu`acgitk, j`otkr ng `apdcjco`ocÿi nciàacok, jugrz` tr`sactcn`
`d ocacgitk, y rgspugst` gi rgski`ioc`
Xgvcscÿi y okagit`rcks skhrg d` `pdco`ocÿi ng d` Ikra` pgru`i` ng ncsgðk
scsakrrgscstgitg, tcpks ng sugdk gi d` rgspugst` sásaco`, skduocÿi ng akngdks
gstruotur`dgs pkr gd Aãtknk Gstàtcok y oàdoudk ng jugrz`s bkrczkit`dgs gqucv`dgitgs
gi gstruotur`s ng pÿrtcoks

Cngitcjco` dks orctgrcks ng
gstruotur`ocÿi ng d`s
3 gstruotur`s sgmöi d`s
ikra`s pgru`i`s y
ikra`s gxtr`ifgr`s
@pdco` dks prciocpcks
prciocpcks
hàscoks p`r` gd ncsgðk ng
05 rgspugst` ng scstga`s
nciàacoks oki v`rcks
mr`nks ng dchgrt`n
Xgsugdvg d` rcmcngz ng ui`
gstruotur` pkr ncjgrgitgs
00 aãtknks. Ngtgraci`ocÿi
y usk ng dks gspgotrks ng
ncsgðk.
Orctgrcks ng Gstruotur`ocÿi sgmöi d` Ikra` pgru`i` ng ncsgðk scsakrrgscstgitg,
^r`h`fk
j`dd`s okauigs y gstunck ng sus okisgougioc`s, o`r`otgrá
o`r`otgrástco`s
stco`s ng d` crrgmud`rcn`n
Uràotcok
gstruotur`d gi d`s gncjco`ockigs gi gd Ugrö y okap`r`ocÿi ng d` Ikra` pgru`i` oki
Mrup`d
d`s Ikra`s gxtr`ifgr`s
_cstga`s ng v`rcks mr`nks ng dchgrt`n, gou`ocÿi ng gqucdchrck nciàacok, a`trcz ng
Uràotco`
rcmcngz, a`trcz ng a`s`, rkt`ocÿi ng aknks pdàstcoks, prkogs`acgitk ng n`tks ng
o`dcjco`n`
jrgougioc`s y jkra`s ng aknk pkr d` rgmd` ng ctgr`ocÿi a`trcoc`d
Oàdoudk ng d` jrgougioc` juin`agit`d, aãtknk Hgt` ng Igwa`rl, citgmr`ocÿi p`sk
` p`sk, jkra`s ng aknk pkr gd Aãtknk _tknkd`, oàdoudk ng rcmcngz ng gitrgpcsk pkr
Aãtknk ng ]cdhur, okaputk ng d`s jrgougioc`s y jkra`s ng aknk pkr gd Aãtknk
Bkdzgr, `utka`tcz`ocÿi ng d`s jrgougioc`s y jkra`s ng aknk pkr gd Aãtknk Cijkrag
A`trcoc`d ng F`okhc, gncjco`ockigs rgsugdt`s oki gd aãtknk ng `iàdcscs gdàstcok,
`pdco`ocÿi ng d`s gou`ockigs hàsco`s ngd aãtknk gspgotr`d, ngjcicocÿi ng dks

Zcogrrgotkr`nk Xgprgsgit`itg ng d`
Gd`hkrÿ Xgvcsÿ @p
@ prkhÿ Xgotkr`nk
@o`nãacok Ncrgoocÿi

Ikt`6 Ou`dqucgr nkouagitk caprgsk

caprgsk ncjgrgitg ngd krcmci`d, y ou`dqucgr `robcvk gdgotrÿicok qug sg giougitrgi jugr`
jugr` ng d`
citr`igt WOZ sgrài okiscngr`nks okak OKUC@ IK OKI^XKD@N@.
 Oÿn
Oÿncmk
cmk 6 J07
J07-UU
-UU-UX
-UX-50
-50.5>
.5>
Zgrs
Zgrscÿ
cÿi
i 6 05
_ÁD@HK Jg
Jgob
ob`` 6 87
87/5
/58/
8/85
8503
03
Uàmci` 6?

gspgotrks ng rgspugst` gdàstco`, cng`dcz`ocÿi ng d`s o`itcn`ngs gspgotr`dgs, prkogsks

p`r` ngjcicr gspgotrks ikra`dcz`nks, usk ng dks gspgotrks ng ncsgðk y
r`zki`acgitks skhrg d` `pdco`ocÿi ng d` supgrpkscocÿi akn`d
Gncjco`ockigs oki ngjcicocÿi ng dks ngspd`z`acgitks y jugrz`s okrt`itgs pkr gd
Ncsgð` dks ncvgrsks tcpks aãtknk supgrpkscocÿi akn`d gspgotr`d, gncjcocks rgsugdtks y okap`r`ocÿi oki gd
08 ng gstruotur`s `itg scsaks aãtknk gstàtcok, aãtknks mgigr`dgs ng `iàdcscs gdàstcok, gou`ockigs hàsco`s ng Cijkrag
sgvgrks rgskduocÿi tcgapk bcstkrc` y usk y ngtgraci`ocÿi ng pgrcknks y aknks ng
vchr`ocÿi
Xgprgsgit` dks gdgagitks
gstruotur`dgs. @i`dcz` d`s
Ncsgðk ng gdgagitks gstruotur`dgs (Ocagit`ocÿi, okduai`s, vcm`s, dks`s), prkygotks ^r`h`fk
o`rm`s augrt`, vcv` y
0? ngjcictcvks6 ngsorcpocÿi, gstruotur`ocÿi, prgncagiscki`nk, `iàdcscs ng o`rm`s, Uràotcok
scsak. @pdco`
akngd`nk ngd gncjcock, `iàdcscs sásacok, ncsgðk ng gdgagitks Mrup`d
okahci`ockigs ng o`rm` y
okgjcocgitgs sásacoks
Xgprgsgit` dks gdgagitks
gstruotur`dgs. @i`dcz` d`s
Akvcacgitk sásacok ngd tgrrgik, `oocÿi sásaco` vgrtco`d, okahci`ockigs ng o`rm`,
o`rm`s augrt`, vcv` y
0> okgjcocgitgs sásacoks, t`hcqugs _csakrrgscstgitgs, t`hcqugs gi vkd`nczk y t`hcqugs Cijkrag
scsak. @pdco`
`okpd`nks
okahci`ockigs ng o`rm` y
okgjcocgitgs sásacoks
Uràotco`
07 Uràotco` o`dcjco`n` Uràotco` o`dcjco`n`
o`dcjco`n`
GR@AGI
0: GR@AGI JCI@D GR@AGI JCI@D
JCI@D

>.8. @O^C^WNG_

• Ngaugstr` oudtur` gaprgingnkr`.

• Ngaugstr` citgmrcn`n rgspgt`ink d`s ikra`s.
• Org`tcvcn`n gi d` rgskduocÿi ng prkhdga`s.

Z. G_^X@^GMC@_ AG^KNKDßMCO@_
AG^KNKDßMCO@_

• Aãtknk `otcvk p`rtcocp`tcvk.

• Citgrprgt`ocÿi ng d` cijkra`ocÿi.
• Ncsgðk ng akngdks.

ZC. AGNCK_ S A@^GXC@DG_

A@^GXC@DG_

• Nkouagitks caprgsks y a`iusorctks6 Dchrks, jkddgtks, rgvcst`s, sgp`r`t`s, muá`s ng gfgrococks.

• A`tgrc`d `unckvcsu`d g cijkraàtcok6 vcngks, ncsoks okap`otks, agakrc`s pkrtàtcdgs y jktkmr`já`s.
• Gqucpks6 Urkygotkr audtcagnc`, NZN y okaput`nkr`s.
• O`apus vcrtu`d.

ZCC. GZ@DW@OCßI

=.0. NC_GÐK NG GZ@DW@OCßI

WICN@NG_ UXKNWO^K @O@NÃACOK OßNCMK UG_K % CI_^XWAGI^K NG GZ@DW@OCßI

Cijkrag CJ ?5 % XWHXCO@
0 055 %
Uràotco` O`dcjco`n` JK ?5 % XWHXCO@

Zcogrrgotkr`nk Xgprgsgit`itg ng d`
Gd`hkrÿ Xgvcsÿ @p
@ prkhÿ Xgotkr`nk
@o`nãacok Ncrgoocÿi

Ikt`6 Ou`dqucgr nkouagitk caprgsk

caprgsk ncjgrgitg ngd krcmci`d, y ou`dqucgr `robcvk gdgotrÿicok qug sg giougitrgi jugr`
jugr` ng d`
citr`igt WOZ sgrài okiscngr`nks okak OKUC@ IK OKI^XKD@N@.
 Oÿn
Oÿncmk
cmk 6 J07
J07-UU
-UU-UX
-UX-50
-50.5>
.5>
Zgrs
Zgrscÿ
cÿi
i 6 05
_ÁD@HK Jg
Jgob
ob`` 6 87
87/5
/58/
8/85
8503
03
Uàmci` 6>

GR@AGI JCI@D GJ >5 % OWG_^CKI@XCK

=.8. UXKAGNCK_

UXCAGX@ WICN@N (R0)

R0 1 5.?5*CJ+ 5.?5*JK+ 5.>5*GJ

JCI@D (RJ)

RJ 1 0.55*R0

=.?. XGPWC_C^K_ NG @UXKH@OCßI

• _g utcdcz` d` gso`d` ng o`dcjco`ocÿi vcmgsca`d< d` ikt` aáica` `prkh`tkrc` gs 00.

• _kdk gi gd prkagnck jci`d gd agnck puitk (5.7) sgrà rgnking`nk `d námctk ciagnc`tk supgrckr.
• Gd ?5% ng ci`scstgioc`s cib`hcdct` `d gstunc`itg p`r` okitciu`r d` `scmi`tur`. • D` ci`scstgioc` ` pràotco`s k gxàagigs ik fustcjco`nks sg
o`dcjco`rài 55, cmu`d o`dcjco`tcvk tginrà dks tr`h`fks `scmi`nks qug ik sg`i gitrgm`nks gi d` jgob` prkmr`a`n`.
• Gd gstunc`itg qug pkr `dmöi aktcvk ik rcincÿ uik ng dks gxàagigs p`roc`dgs, pknrà rgincrdk gi gd pgráknk ng gx`agi rgz`m`nks, gi o`sk ng
ciouapdcacgit
ciouapdcacgitk
• Gd gstunc`itgktginrà
sgrà o`dcjco`nk
ngrgobk `oki ikt`skdk
rgincr ogrkui(5).
gx`agi, ou`dqucgr` sg` su okincocÿi ng sustctutkrck k rgz`m`nk.

ZCCC. XGJGXGIOC@_ HCHDCKMXÀJCO@_

HCHDCKMXÀJCO@_

Oÿncmk ng hchdcktgo` DCHXK_/XGZC_^@_/@X^ÁOWDK_/^G_C_/UÀMCI@_ ]GH.^GR^K

Zcogrrgotkr`nk Xgprgsgit`itg ng d`
Gd`hkrÿ Xgvcsÿ @p
@ prkhÿ Xgotkr`nk
@o`nãacok Ncrgoocÿi

Ikt`6 Ou`dqucgr nkouagitk caprgsk

caprgsk ncjgrgitg ngd krcmci`d, y ou`dqucgr `robcvk gdgotrÿicok qug sg giougitrgi jugr`
jugr` ng d`
citr`igt WOZ sgrài okiscngr`nks okak OKUC@ IK OKI^XKD@N@.