4
Daagcf \clurgty Bpcrdtgb`s Jrbup
D`trgo Oglmgjd` Ebrc`sgls ^cpbrt ^CUG\CF X^CAGOG@D^W \SOOD^W, v> ^cpbrt Fdtc 4>/4</>8>8
Lagc`t; Ngaa Ndgacy Dttbr`cy; Odttmcw FcXcr`b D. ZMB ZC D^C
4. Oy `doc gs ^usscaa Kdocs ^dosad`f, Kr., d`f G do d rcsgfc`t be Fdaads Lbu`ty, Vcxds. G mbaf d` OND erbo Mdrvdrf S`gvcrsgty, d`f d pbagtglda slgc`lc fcjrcc erbo Fuic S`gvcrsgty. G mdvc wbricf wgtm tmc @dtgb`da Dcrb`dutgls d`f \pdlc Dfog`gstrdtgb` (@D\D) d`f tmc Odssdlmusctts G`stgtutc be Vclm`babjy (OGV), dob`j btmcr brjd`gzdtgb`s, d`f mdvc ru` nusg`csscs daa bvcr tmc wbraf, od`y be wmglm drc mgjmay tclm`glda g` `dturc. G mdvc scrvcf b` tclm`glda jbvcr`oc`t pd`cas. >. G do pdrt be tmc od`djcoc`t tcdo be Daagcf \clurgty Bpcrdtgb`s Jrbup, AAL, (D\BJ). D\BJ gs d jrbup be jabndaay c`jdjcf prbecssgb`das wmb lboc erbo vdrgbus fgslgpag`cs tb g`laufc Fcpdrtoc`t be Fcec`sc, \clrct \crvglc, Fcpdrtoc`t be Mbocad`f \clurgty, d`f tmc Lc`trda G`tcaagjc`lc Djc`ly. Gt prbvgfcs d rd`jc be sclurgty scrvglcs, nut mds d pdrtgluadr copmdsgs b` lyncrsclurgty, bpc` sburlc g`vcstgjdtgb` d`f pc`ctrdtgb` tcstg`j be `ctwbris. Zc copaby d wgfc vdrgcty be lyncr d`f lyncr ebrc`sgl d`daysts. Zc mdvc pdtc`ts pc`fg`j g` d vdrgcty be dppagldtgb`s erbo `bvca `ctwbri sclurgty dppagldtgb`s tb \LDFD (\upcrvgsbry Lb`trba d`f Fdtd Dlqugsgtgb`) prbtcltgb` d`f sdec nrbwsg`j sbautgb`s ebr tmc fdri d`f fccp wcn. Ebr tmgs rcpbrt, G mdvc rcagcf b` tmcsc cxpcrts d`f rcsburlcs.
N. XS^XB\C D@F X^CAGOG@D^W LB@LAS\GB@\
4. Vmc purpbsc be tmgs ebrc`sgl dufgt gs tb tcst tmc g`tcjrgty be Fbog`gb` Ubtg`j \ystco g` mbw gt pcrebrocf g` D`trgo Lbu`ty, Oglmgjd` ebr tmc >8>8 cacltgb`. >. Zc lb`laufc tmdt tmc Fbog`gb` Ubtg`j \ystco gs g`tc`tgb`daay d`f purpbsceuaay fcsgj`cf wgtm g`mcrc`t crrbrs tb lrcdtc systcogl erduf d`f g`eauc`lc cacltgb` rcsuats. Vmc systco g`tc`tgb`daay jc`crdtcs d` c`brobusay mgjm `uoncr be ndaabt crrbrs. Vmc cacltrb`gl ndaabts drc tmc` trd`secrrcf ebr dfkufgldtgb`. Vmc g`tc`tgb`da crrbrs acdf tb nuai dfkufgldtgb` be ndaabts wgtm `b bvcrsgjmt, `b trd`spdrc`ly, d`f `b dufgt trdga. Vmgs acdfs tb vbtcr br cacltgb` erduf. Ndscf b` bur stufy, wc lb`laufc tmdt Vmc Fbog`gb` Ubtg`j \ystco smbuaf `bt nc uscf g` Oglmgjd`. Zc eurtmcr lb`laufc tmdt tmc rcsuats be D`trgo Lbu`ty smbuaf `bt mdvc ncc` lcrtgegcf.
> <. Vmc ebaabwg`j gs d nrcdifbw` be tmc vbtcs tdnuadtcf ebr tmc >8>8 cacltgb` g` D`trgo Lbu`ty, smbwg`j fgeecrc`t fdtcs ebr tmc tdnuadtgb` be tmc sdoc vbtcs.
Fdtc ^cjgstcrcf Ubtcrs Vbtda Ubtcs Ldst Ngfc` Vruop Vmgrf Xdrty Zrgtc-G` VBVDA UBVC\ ebr Xrcsgfc`t
@bv < >>,8=> 45,86: :,:57 6,387 463 46 4>,6>< @bv 3 >>,8=> 4=,837 :,>=7 7,:=< >33 >8 4:,<>: @bv >4 >>,8=> 45,866 3,758 7,:6= >64 >< 43,767 6. Vmc D`trgo Lbu`ty Lacri d`f \clrctdry be \tdtc Kblcay` Nc`sb` mdvc stdtcf tmdt tmc cacltgb` `gjmt crrbr (fctdgacf dnbvc ny tmc vbtc "eagp" erbo Vruop tb Ngfc`, wds tmc rcsuat be muod` crrbr lduscf ny tmc edgaurc tb upfdtc tmc Od`lcab`d Vbw`smgp tdnuadtbr prgbr tb cacltgb` `gjmt ebr d fbw` ndaabt rdlc. Zc fgsdjrcc d`f lb`laufc tmdt tmc vbtc eagp bllurrcf ncldusc be odlmg`c crrbr nugat g`tb tmc vbtg`j sbetwdrc fcsgj`cf tb lrcdtc crrbr. 3. \clrctdry be \tdtc Kblcay` Nc`sb`'s stdtcoc`t b` @bvconcr 5, >8>8 tmdt "Yt_tmc lbrrclt rcsuats dawdys wcrc d`f lb`tg`uc tb nc rceacltcf b` tmc tdnuadtbr tbtdas tdpc . . . ." wds edasc. 5. Vmc daabwdnac cacltgb` crrbr rdtc cstdnagsmcf ny tmc Ecfcrda Cacltgb` Lboogssgb` jugfcag`cs gs be 4 g` >38,888 ndaabts (.888=%). Zc bnscrvcf d` crrbr rdtc be 5=.83%. Vmgs fcob`strdtcf d sgj`gegld`t d`f edtda crrbr g` sclurgty d`f cacltgb` g`tcjrgty. :. Vmc rcsuats be tmc D`trgo Lbu`ty >8>8 cacltgb` drc `bt lcrtgegdnac. Vmgs gs d rcsuat be odlmg`c d`f/br sbetwdrc crrbr, `bt muod` crrbr. =. Vmc tdnuadtgb` abj ebr tmc ebrc`sgl cxdog`dtgb` be tmc scrvcr ebr D`trgo Lbu`ty erbo Fclconcr 5, >8>8lb`sgsts be 43,5:5 g`fgvgfuda cvc`ts, be wmglm 48,55: br 5=.83% be tmc cvc`ts wcrc rclbrfcf crrbrs. Vmcsc crrbrs rcsuatcf g` bvcrdaa tdnuadtgb` crrbrs br ndaabts ncg`j sc`t tb dfkufgldtgb`. Vmgs mgjm crrbr rdtcs prbvcs tmc Fbog`gb` Ubtg`j \ystco gs eadwcf d`f fbcs `bt occt stdtc br ecfcrda cacltgb` adws. 7. Vmcsc crrbrs bllurrcf detcr Vmc D`trgo Lbu`ty Lacri prbvgfcf d rc-prbvgsgb`cf LE ldrf wgtm upabdfcf sbetwdrc ebr tmc Lc`trda Adic Xrclg`lt b` @bvconcr 5, >8>8. Vmgs ocd`s tmc stdtcoc`t ny \clrctdry Nc`sb` wds edasc. Vmc Fbog`gb` Ubtg`j \ystco prbfulcf systcogl crrbrs d`f mgjm crrbr rdtcs nbtm prgbr tb tmc upfdtc d`f detcr tmc upfdtc9 ocd`g`j tmc upfdtc (br adli be upfdtc) gs `bt tmc ldusc be crrbrs.
< 48. G` Lc`trda Adic Vbw`smgp tmcrc wcrc 4,>>> ndaabts
rcvcrscf
but be 4,674 tbtda ndaabts ldst, rcsuatg`j g` d` =4.75% rckcltgb` rdtc. Daa rcvcrscf ndaabts drc sc`t tb dfkufgldtgb` ebr d fclgsgb` ny cacltgb` pcrsb``ca. 44. Gt gs lrgtglda tb u`fcrstd`f tmdt tmc Fbog`gb` systco ladssgegcs ndaabts g`tb twb ldtcjbrgcs, 4) `broda ndaabts d`f >) dfkufgldtcf ndaabts. Ndaabts sc`t tb dfkufgldtgb` ld` nc datcrcf ny dfog`gstrdtbrs, d`f dfkufgldtgb` egacs ld` nc obvcf nctwcc` fgeecrc`t ^csuats Vdaay d`f ^cpbrtg`j (^V^) tcrog`das wgtm `b dufgt trdga be wmglm dfog`gstrdtbr dltudaay dfkufgldtcs (g.c. vbtcs) tmc ndaabt ndtlm. Vmgs fcob`strdtcf d sgj`gegld`t d`f edtda crrbr g` sclurgty d`f cacltgb` g`tcjrgty ncldusc gt prbvgfcs `b ocd`g`jeua bnscrvdtgb` be tmc dfkufgldtgb` prblcss br dufgt trdga be wmglm dfog`gstrdtbr dltudaay dfkufgldtcf tmc ndaabts. 4>. D stdjjcrg`j `uoncr be vbtcs rcqugrcf dfkufgldtgb`. Vmgs wds d >8>8 gssuc `bt scc` g` prcvgbus cacltgb` lylacs stgaa stbrcf b` tmc scrvcr. Vmgs gs lduscf ny g`tc`tgb`da crrbrs g` tmc systco. Vmc g`tc`tgb`da crrbrs acdf tb nuai dfkufgldtgb` be ndaabts wgtm `b bvcrsgjmt, `b trd`spdrc`ly br dufgt trdga. Bur cxdog`dtgb` be tmc scrvcr abjs g`fgldtcs tmdt tmgs mgjm crrbr rdtc wds g`lb`jruc`t wgtm pdttcr`s erbo prcvgbus ycdrs. Vmc stdtcoc`t dttrgnutg`j tmcsc gssucs tb muod` crrbr gs `bt lb`sgstc`t wgtm tmc ebrc`sgl cvdaudtgb`, wmglm pbg`ts obrc lbrrcltay tb systcogl odlmg`c d`f/br sbetwdrc crrbrs. Vmc systcogl crrbrs drc g`tc`tgb`daay fcsgj`cf tb lrcdtc crrbrs g` brfcr tb pusm d mgjm vbauoc be ndaabts tb nuai dfkufgldtgb`. 4<. Vmc ag`icf vgfcb fcob`strdtcs mbw tb lmcdt dt dfkufgldtgb`; mttps;//obngac.twgttcr.lbo/Id`cibdVmcJrcdt/stdtus/4<<5===6363<=6>=64= 46. D`trgo Lbu`ty edgacf tb prbpcray upfdtc gts systco. D purpbsceua adli be prbvgfg`j ndsgl lboputcr sclurgty upfdtcs g` tmc systco sbetwdrc d`f mdrfwdrc fcob`strdtcs g`lbopctc`lc, jrbss `cjagjc`lc, ndf edgtm, d`f/br wgaaeua `b`-lbopagd`lc g` prbvgfg`j tmc eu`fdoc`tda systco sclurgty rcqugrcf ny ecfcrda d`f stdtc adw. Vmcrc gs `b wdy tmgs cacltgb` od`djcoc`t systco lbuaf mdvc pdsscf tcsts br mdvc ncc` acjdaay lcrtgegcf tb lb`fult tmc >8>8 cacltgb`s g` Oglmgjd` u`fcr tmc lurrc`t adws. Dllbrfg`j tb tmc @dtgb`da Lb`ecrc`lc be \tdtc Acjgsadturcs “ Oglmgjd` rcqugrcs euaa lbopagd`lc wgtm ecfcrda std`fdrfs ds fctcrog`cf ny d ecfcrdaay dllrcfgtcf vbtg`j systco adnbrdtbry. 43. \gj`gegld`tay, tmc lboputcr systco smbws vbtc dfkufgldtgb` abjs ebr prgbr ycdrs9 nut daa dfkufgldtgb` abj c`trgcs ebr tmc >8>8 cacltgb` lylac drc ogssg`j. Vmc dfkufgldtgb` prblcss gs tmc sgopacst wdy tb od`udaay od`gpuadtc vbtcs. Vmc adli be rclbrfs prcvc`ts d`y ebro be dufgt dllbu`tdngagty, d`f tmcgr lb`spglubus dnsc`lc gs cxtrcocay suspglgbus sg`lc tmc egacs cxgst ebr prcvgbus ycdrs usg`j tmc sdoc sbetwdrc. ^cobvda be tmcsc egacs vgbadtcs stdtc adw d`f prcvc`ts d ocd`g`jeua dufgt, cvc` ge tmc \clrctdry wd`tcf tb lb`fult d` dufgt. Zc oust lb`laufc tmdt tmc >8>8 cacltgb` lylac rclbrfs mdvc ncc` od`udaay rcobvcf.