1

FRONT

Secure fpnwbl; fhh;l;

tpz;zg;gg; gbtk;

tpz;zg;g tif

cWjpr;rPl;Lf; FwpaPL : ____________________________________________________________

tPrh rpf;Ndr;rh; gpsl;bdk;;

Nfhy;l;

cq;fs; tpz;zg;gj;ijj; jhjkpd;wpr; nraw;gLj;Jtjw;F cjtpahf ,t; tpz;zg;gg; gbtj;ij (njspthd

vOj;Jf;fspy;) g+uzkhf epug;gTk;.

*vdf; Fwpaplg;gl;l ,lq;fs; fl;lhak; epug;gg;gl Ntz;Lk;.

jdpg;gl;l tpguq;fs;

ePq;fs; xU HSBC jw;Nghja thbf;ifahsuh? Mk; ,y;iy

Mnkdpd;>

thbf;ifahsh; ,yf;fk;: _________________________________________________________________

cq;fs; me;j];J*: jpU. jpUkjp nry;tp fyhepjp

Ntnwdpd;> Fwpg;gplTk;: __________________________________________________

cq;fs; KOg; ngah; *: _____________________________________________________________

__________________________________________________________________________________

__________________________________________________________________________________

(gpujhd ngahpd; fPo; NfhblTk;)

2

cq;fs; Kd;ida ngah; *: ___________________________________________________

(Kd;ida rl;lg+h;t ngah;. cq;fs; tq;fp cwTfspy; Kd;ida ngah; ghtpf;fg;gl Ntz;Lkhapd;> gj;jphpif

mwptpj;jy; my;yJ tpthfr; rhd;wpjopd; gpujpia ,izf;fTk;)

Vida ngah; *: _________________________________________________________________

(jw;NghJ gad;gLj;Jk; NtNwJk; rl;lg+h;t ngah;)

gpwe;j jpfjp* jpjp khkh tttt

Njrpa ,dk; *: ___________________________ gpwe;j ,lk;: __________________________

ghy; *: Mz; ngz;

fy;tp kl;lk; *: Muk;gepiy ,ilepiy cah;epiy

gl;ljhhp gl;lg;gpd;gbg;G

tpthf epiy*: jdpahs; tpthfkhdth; jhukpoe;jth;

tpthfuj;Jg; ngw;wth;

jq;fpapUg;gth;fspd; vz;zpf;if*: _________________________________________________________________

jhahhpd; fd;dpg; ngah;* : ________________________________________________________________________

(jpUkzj;jpw;F Kd; jhahhpd; FLk;gg; ngah;)

(ePq;fs; njhiyNgrpapy; NgRk;NghJ> cq;fs; milahsj;ij cWjpnra;a ,J vkf;F cjTk;)

trpg;gpl chpik*: jdpg;gl;l thlif tPL nrhe;j tPL

mur thlif tPL milkhdk; itf;fg;gl;l nrhj;J

ngw;Nwhhpd; tPl;by; trpj;jy; cj;jpNahfg+h;t trpg;gplk;

HSBC apy; ckJ fpl;ba FLk;gTWg;gpdnuhUtu; my;yJ cwtpdu; gzpg;ghsuhf my;yJ Copauhf cs;shuh?*

Mk; ,y;iy

mYtyhpd; ngah; *: _________________________________________________________

3

chpa $l;bDs; milahskplTk; (xd;wpw;F Nkw;gl;l $LfspYk; milahskplyhk;)

Muk;g kw;Wk;

jw;Nghja

nry;t my;yJ

tUkhd

%ytsk;

njhopy; rk;ghj;jpak; nrhj;njhd;wpd; tpw;gid (cjh.fhh;)

tpahghu tl;b tUkhdk; guk;giur; nrhj;J

nyhj;jh;/ghpR ntw;wpg; gzk; jdpg;gl;l Nrkpg;G

KjyPl;L tUkhdk;/ fiyg;nghUs; tpw;gid

KjyPl;bd; Kjph;r;rp

NtW (Fwpg;gplTk;)……………………

tq;fp cwT

njhlh;gpy;

gad;gLj;jg;gl

,Uf;Fk; gzj;jpd;

%ytplk;

gz itg;G

fhNrhiy itg;G

Vida fzf;FfspypUe;J ghpkhw;wk;

Vida tq;fpfspypUe;J je;jpg; ghpkhw;wk;

NtW (Fwpg;gplTk;) ……………….……

gad;gLj;jg;gl

,Uf;Fk;

Nritfspd; tiffs;

nghJthd tq;fpr; Nritfs; (cjh. gzk;> fhNrhiy> jdpg;gl;l ,izaj;js tq;fpr;

Nrit Kjypad)

KjyPL

fld; Nritfs; (cjh. fld;> fpnwbl; fhh;l; Kjypad)

gz mDg;gPl;Lr; Nritfs; (cjh. je;jpg; ghpkhw;wk;> Nfhuy; tiuT)

NtW (Fwpg;gplTk;) ………………………

kPsspg;gpw;fhd

%yhjhuk;*

njhopy; rk;ghj;jpak; nrhj;njhd;wpd; tpw;gid (cjh.fhh;)

tpahghu tl;b tUkhdk; guk;giur; nrhj;J

nyhj;jh;/ghpR ntw;wpg; gzk; jdpg;gl;l Nrkpg;G

KjyPl;L tUkhdk;/ KjyPl;bd; Kjph;r;rp

NtW (Fwpg;gplTk;)…………………….

Msilahs tpguq;fs;

Msilahs tif*: Nj.m.m. ,y. flTr;rPl;L

Msilahs Mtzj;jpd; ,yf;fk;*

(,yq;ifg; gpui[fSf;F Nj.m.m. gpujp fl;lhakhdJ)

4

Njrpa gpui[ my;yhjth;fSf;F:

flTr;rPl;nldpd;> mJ fhyhtjpahFk; jpfjpiaf; Fwpg;gplTk;. jpjp khkh tttt

tPrh ,yf;fk;: ______________________________________________________________

tPrh tif: __________________________________________________________________

tPrh fhyhtjpahFk; jpfjp : jpjp khkh tttt

Kfthp tpguq;fs; (epue;ju Kfthp)

Kfthp/tPjpapd; ngah; *: ______________________________________________________

___________________________________________________________________________

efhpd; ngah; *: ______________________________________________________________

___________________________________________________________________________

trpg;gpl Kfthp

epue;ju KfthpapypUe;J trpg;gpl Kfthp khWgLkhapd; mjidf; Fwpg;gplTk;.

Kfthp/tPjpapd; ngah; *: ______________________________________________________

___________________________________________________________________________

efhpd; ngah; *: ______________________________________________________________

___________________________________________________________________________

,t;tplj;jpy; trpf;Fk; Mz;LfSk; khjq;fSk; *: Mz;Lfs;: ____ khjq;fs;: _____

Kd;ida Kfthp tpguq;fs; (trpg;gpl Kfthp)

(jw;Nghja Kfthpapy; trpg;gJ 3 tUlq;fSf;Ff; Fiwntdpd;> Kd;ida trpg;gpl Kfthp njhptpf;fg;gl Ntz;Lk;)

Kfthp/tPjpapd; ngah; *: ______________________________________________________

___________________________________________________________________________

___________________________________________________________________________

efhpd; ngah; *: ______________________________________________________________

5

___________________________________________________________________________

njhlh;G tpguq;fs;

trpg;gplj; njhiyNgrp ,yf;fk;* : ____________________________________________

mYtyfj; njhiyNgrp ,yf;fk;* : ___________________ ePbg;G : ______________

nkhigy; njhiyNgrp ,yf;fk;* : ____________________________________________

jdpg;gl;l kpd;dQ;ry; Kfthp* : ____________________________________________

fbjj; njhlh;G Kfthp

rfy fbjq;fSk; mDg;gl Ntz;baJ*: vdJ trpg;gpl Kfthpf;F

vdJ mYtyf Kfthpf;F

(HSBC,y; Ngzg;gLk; rfy fpnwbl; fhh;l;fs; njhlh;gpYk; Nkw;Fwpg;gpl;l KfthpNa fbjj; njhlh;G Kfthpahfg;

gad;gLj;jg;gLk;)

fpnwbl; fhh;l; tpguf;$w;Wfs;

fhfpjg; ghtidaw;w #oiyg; NgZtjw;fhf 50>000f;F Nkw;gl;l thbf;ifahsh;fs;

,yj;jpudpay; tpguf;$w;Wf;fisg; gad;gLj;Jfpd;wdh;. ,yj;jpudpay;

tpguf;$w;Wf;fisg; ngWtjd; %yk; ePq;fSk; ,r; rhjfkhd khw;wj;jpw;F cjtyhk;.

,yj;jpudpay; tpguf;$w;Wf;fSf;fhfg; gjpT nra;tjd; %yk; fhfpjg;

ghtidaw;w #oiyg; NgZtjw;F cjt ehd; tpUk;GfpNwd;. vdJ fpnwbl;

fhh;l; ,yj;jpudpay; tpguf;$w;iwf; fPo;f;fhZk; kpd;dQ;ry; Kfthpf;F mDg;gTk;.

ehd; fhfpj tpguf;$w;Wf;fisg; ngw tpUk;GfpNwd;. vdJ fpnwbl; fhh;l;

tpguf;$w;Wf;fis vdJ fbjj; njhlh;G Kfthpf;F mDg;gTk;.

njhopy; tpguq;fs;

njhopy; me;j];J*: KO Neuk; gFjp Neuk;

jFjpfhz; epiy Ranjhopy;

6

njhopy; nra;ahjth; Xa;T ngw;wth;

,y;yj;jurp khzth;

nra;Ak; Ntiy*: ____________________________________________________________

njhopy; tif/tpahghuj;jpd; jd;ik*:

MAjr; Nritfs; gazj;Jiw tpkhd Nrit

tq;fpapay;/epjp th;j;jfk; epGzj;Jt Nritfs;

Mil jahhpg;G jfty; njhopy;El;gk; gy;$l;Lj; njhopy;

murhq;f Nrit njhiyj;njhlh;G ngUe;Njhl;lj; njhopy;

n`hl;Nly; kUj;Jtk; fg;gw; ruf;F/fg;gw; Nrit

fhg;GWjp fl;Lkhdj;Jiw NGO/NPO/jUkgzp

Vw;Wkjp/,wf;Fkjp nghJtrjpfs; cw;gj;jpj; njhopy;

tpsk;guj;Jiw NtW

NtW vdpd;> vJntdf; Fwpg;gplTk; ___________________________________________

fk;gdpapd; ngah;*: __________________________________________________________

Nritf; fhyk;*: Mz;Lfs; ______________________ khjq;fs ; ____________________

gjtp/njhopw; ngah;*: ________________________________________________________

tUlhe;j tUkhdk;*: ________________________________________________________

(mbg;gilr; rk;gsKk; epiyahd gbfSk;)

khWgLk; gbfs;;*: ___________________________________________________________

(Cf;Ftpg;Gf;fs; kw;Wk; tpw;gidj; juFg;gzk;)

Vida tUkhdk;: __________________________________________________________

(rk;gsk; jtph;e;j Vida tUkhdk;)

Vida tUkhd %yq;fs;:

njhopy;%y rk;ghj;jpak; tpahghu%y rk;ghj;jpak;

KjyPl;L tUkhdk; itg;gpypUe;J tl;b tUkhdk;

7

Vidait (Fwpg;gplTk;) _____________________________________________________

Kd;ida njhopy; toq;Fehpd; ngah;*: _________________________________________

(jw;Nghja njhopypy; Nritf; fhyk; 2 tUlq;fSf;Ff;; Fiwntdpd;> Kd;ida njhopy; toq;Fehpd; ngaiuf;

Fwpg;gpl Ntz;Lk;)

Nritf; fhyk; (Kd;ida njhopy; toq;Fehplk;)*: _______________________________

(jw;Nghja njhopypy; Nritf; fhyk; 2 tUlq;fSf;Ff;; Fiwntdpd;> Kd;ida njhopy; toq;Fehplk; Ntiynra;j

fhyj;ijf; Fwpg;gpl Ntz;Lk;)

mYtyf Kfthp

Kfthp/tPjpapd; ngah;*: ______________________________________________________

___________________________________________________________________________

efhpd; ngah;*: ______________________________________________________________

tifg;gLj;jy;

ehd; my;yJ vdJ FLk;g mq;fj;jtu; xUtu; my;yJ tpahghuj; njhlu;ghsp / tpahghuj; gq;fhsp xUtu; (murhq;f>

ePjp gupghyd;> nghyp]; my;yJ gilj;Jiwapy;) rpNu\;l nghJepiyg; gjtpia tfpf;fpNwdh (tfpf;fpwhu;?) *

Mk; ,y;iy

Mnkdpd;> jaTnra;J cwtpd; jd;ikia tpgupf;fTk;*____________________________________________

crhTeh;fs;

cq;fSld; trpf;fhj cwtpdh;/ez;gh; xUth;

crhTehpd; ngah;*: __________________________________________________________

crhTeUldhd cwTKiw*: _________________________________________________

crhTehpd; njhiyNgrp ,yf;fk;*: ____________________________________________

crhTehpd; Kfthp;*: _________________________________________________________

epjprhh; njhlh;Gfs;

cq;fSf;F NtW tq;fpfspy; fzf;Ffs;/fld; trjpfs;/fpnwbl; fhh;l;fs; cs;sdth?*

Mk; ,y;iy

8

epjprhh; njhlh;G - eilKiw/Nrkpg;G/epiyahd itg;G

epjprhh; njhlh;G - fld; trjpfs;

epjprhh; njhlh;G - itj;jpUf;Fk; fpnwbl;/nlgpw; fhh;l;fs;

Nkyjpf fhh;l;bw;fhd Ntz;LNfhs;

Nkyjpf fhh;l;bw;fhd tpz;zg;gjhuh;> gpujhd fhh;l; itj;jpUg;gthpd; FLk;g mq;fj;jtuhfTk; Fiwe;jgl;rk; 18

taJilatuhfTk; ,Uf;f Ntz;Lk;.

cq;fSf;F xU Nkyjpf fpnwbl; fhh;l; Njitah? Mk; ,y;iy

Nkyjpf fhh;l; - jdpg;gl;l tpguq;fs;

ePq;fs; jw;NghJ xU HSBC thbf;ifahsuh? Mk; ,y;iy

Mnkdpd;>

thbf;ifahsh; ,yf;fk;: ___________________________________________________________

me;j];J*: jpU. jpUkjp nry;tp fyhepjp

Ntnwdpd; Fwpg;gplTk;: _____________________________________________________________

cq;fs; KOg; ngah;*: _____________________________________________________________

__________________________________________________________________________________

__________________________________________________________________________________

tq;fpapd; ngah; fzf;F ,y. fzf;F tif vg;NghjpUe;J

epjp epWtdk; fld; tif khjhe;j kPsspg;G

toq;Fehpd; ngah; fhh;l; ,y. fld; cr;rtuk;G vg;NghjpUe;J

9

(gpujhd ngahpd; fPo; NfhblTk;)

cq;fs; Kd;ida ngah;*: __________________________________________________________

(Kd;ida rl;lg+h;t ngah;. cq;fs; tq;fp cwTfspy; Kd;ida ngah; ghtpf;fg;gl Ntz;Lkhapd;> gj;jphpif

mwptpj;jy; my;yJ tpthfr; rhd;wpjopd; gpujpia ,izf;fTk;)

Vida ngah; *: ___________________________________________________________________

(jw;NghJ gad;gLj;Jk; NtNwJk; rl;lg+h;t ngah;)

Nkyjpf fhh;l;by; ,Uf;f Ntz;ba ngah;*:

(,ilntspfs; cl;gl Mff;$Ljyhf 19 vOj;Jf;fs;)

gpujhd tpz;zg;gjhuUldhd cwTKiw*: __________________________________________________________

gpwe;j jpfjp* jpjp khkh tttt

Njrpa ,dk; *: _________________________________ gpwe;j ,lk; _____________________________________

ghy; *: Mz; ngz;

jhahhpd; fd;dpg; ngah;*: _________________________________________________________________________

(jpUkzj;jpw;F Kd; jhahhpd; FLk;gg; ngah;)

(ePq;fs; njhiyNgrpapy; NgRk;NghJ> cq;fs; milahsj;ij cWjpnra;a ,J vkf;F cjTk;)

HSBC apy; ckJ fpl;ba FLk;gTWg;gpdnuhUtu; my;yJ cwtpdu; gzpg;ghsuhf my;yJ Copauhf cs;shuh?*

Mk; ,y;iy

mYtyhpd; ngah; : ________________________________________________________________

ePq;fs; my;yJ cq;fs; FLk;g mq;fj;jth; xUth; rpNu\;l murhq;f mjpfhhpah (mur> ePjp ghpghyd> nghyp];

my;yJ ,uhZt Nrit)? * Mk; ,y;iy

Mnkdpd;> cwTKiwapd; jd;ikia tpghpf;fTk;*: _____________________________________

Nkyjpf fhh;l; Msilahs tpguq;fs;

Msilahs tif*: Nj.m.m. ,y. flTr;rPl;L

Msilahs Mtzj;jpd; ,yf;fk;*

(,yq;ifg; gpui[fSf;F Nj.m.ml;il gpujp fl;lhakhdJ)

Njrpa gpui[ my;yhjth;fSf;F:

10

flTr;rPl;nldpd;> mJ fhyhtjpahFk; jpfjpiaf; Fwpg;gplTk;. jpjp khkh tttt

tPrh ,yf;fk;: _____________________________________________________________________

tPrh tif: _______________________________________________________________________

tPrh fhyhtjpahFk; jpfjp: jpjp khkh tttt

Kfthp tpguq;fs; (epue;ju Kfthp)

Nkyjpf fhh;l; tpz;zg;gjhuhpd; epue;ju KfthpAk; gpujhd fhh;l; tpz;zg;gjhuhpd;

epue;ju KfthpAk; xd;whdjh? * Mk; ,y;iy

,y;iynadpd;>

Kfthp/tPjpapd; ngah;*: ____________________________________________________________

__________________________________________________________________________________

__________________________________________________________________________________

efhpd; ngah;*: ___________________________________________________________________

__________________________________________________________________________________

Nkyjpf fhh;l; tpz;zg;gjhuhpd; trpg;gpl Kfthp tpguq;fs;

Nkyjpf fhh;l; tpz;zg;gjhuhpd; trpg;gpl KfthpAk; gpujhd fhh;l; tpz;zg;gjhuhpd;

trpg;gpl KfthpAk; xd;whdjh? * Mk; ,y;iy

Nkyjpf fhh;l; tpz;zg;gjhuhpd; trpg;gpl KfthpAk; Nkyjpf fhh;l; tpz;zg;gjhuhpd;

epue;ju KfthpAk; xd;whdjh? * Mk; ,y;iy

,y;iynadpd;>

efhpd; ngah; *: ___________________________________________________________________

Kfthp; *: _________________________________________________________________________

__________________________________________________________________________________

Nkyjpf fhh;l; tpz;zg;gjhuhpd; njhlh;G tpguq;fs;

trpg;gplj; njhiyNgrp ,yf;fk;* : _______________________________________________

mYtyfj; njhiyNgrp ,yf;fk;* : ______________________ ePbg;G: ________________

nkhigy; njhiyNgrp ,yf;fk;* : ______________________________________________

11

Nkyjpf fhh;l; tpz;zg;gjhuhpd; njhopy; tpguq;fs;

njhopy; me;j];J*: KO Neuk; gFjp Neuk;

jFjpfhz; epiy Ranjhopy; njhopy; nra;ahjth;

Xa;T ngw;wth; ,y;yj;jurp khzth;

njhopy; *: ________________________________________________________________________

epWtdj;jpd; ngah; *: ______________________________________________________________

gpujhd tpz;zg;gjhuhpd; Vida njhlh;Gila jfty;fs;

khjhe;jf; nfhLf;fy; thq;fy;fspd; mz;zsthd ngWkjp: ____________________________

gpujhd fpnwbl; fhh;l;by; ,Uf;f Ntz;ba ngah;*:

(,ilntspfs; cl;gl Mff;$Ljyhf 19 vOj;Jf;fs;)

HSBC cldhd cq;fs; fzf;Fld; ATM %yk; njhlh;Gnfhs;Sk; trjp

vdJ gpd;tUk; fzf;FfSld; ATM %yk; njhlh;Gnfhs;tjw;Fk; vdJ fhh;l;ilg; gad;gLj;j tpUk;GfpNwd;*.

(Mff;$Ljyhf 2 fzf;Ffs;)

fzf;F tif gpujhd

eilKiwf; fzf;F ,y.

Nrkpg;Gf; fzf;F ,y.

fpnwbl; fhh;l; jPh;g;gdT tpUg;Ghpikfs;

vdJ fhh;l; fzf;ifj; jPh;g;gdT nra;tjw;F> gpd;tUkhW vdJ HSBC fzf;fpy; gw;W itf;fTk;.

Mk; ,y;iy

HSBC fzf;F ,yf;fk;:

khjhe;jj; jPh;g;gdT .............................................. % (5% - 100%)

cq;fs; fpnwbl; fhh;l; kPjp gw;wp HSBC cq;fSf;F SMS* %yk; mwptpf;f Ntz;Lkh? (HSBC CC)

Mk; ,y;iy

12

nkhigy; njhiyNgrp ,yf;fk;(,yf;fq;fs;) : _________________________________________

fpnwbl; fhh;l; kPjp ,lkhw;wq;fs;

cq;fs; Vida tq;fpf; fpnwbl; fhh;l; (OBC) kPjpfis cq;fs; HSBC fpnwbl; fhh;l; fzf;fpw;F ,lk;khw;w

tpUk;GfpwPh;fsh? Mk; ,y;iy

fzf;fpd; ngah;: _________________________________________________________________

(fpnwbl; fhh;l;bYs;s ngah;)

,lk;khw;w Ntz;ba njhif: ______________________________________________________

kw;iwa tq;fpapd; ngah;: _________________________________________________________

kw;iwa tq;fpf; fpnwbl; fhh;l; ,yf;fk;: ___________________________________________

tpUg;gj;Njh;T 1: 3 khjq;fSf;F 0%

tpUg;gj;Njh;T 2: 6 khjq;fSf;F 1%

ftdpf;fTk;: filrp fpnwbl; fhh;l; tpguf;$w;W rkh;g;gpf;fg;gl Ntz;Lk;.

NkNy toq;fg;gl;Ls;s jfty;fs; cz;ikahdit kw;Wk; rhpahdit vd;gijAk;

vdJ/vkJ ntspg;gilahd Ntz;LNfhSf;F ,zq;fTk; vdJ/vkJ g+uz mwpT>

Ghpe;Jzh;T kw;Wk; rk;kjj;jpd; NghpYNk ……………………………………………

vd;gth; vd;dhy;/vk;khy; toq;fg;gl;l jfty;fspypUe;J gbtj;ij epug;gpdhh;

vd;gijAk; ehd;/ehk; ,j;jhy; Vw;Wf;nfhs;fpNwd;/Vw;Wf;nfhs;fpNwhk;. Nkw;Fwpg;gpl;l

……………………………… vd;gth; vdJ/vkJ ntspg;gilahd Ntz;LNfhSf;F

,zq;fNt gbtj;ij epug;gpdhy; vd;gijAk; ,e;j tpz;zg;gj;jpYs;s jfty;fs;

njhlh;gpy; Vw;glf;$ba VNjDk; nghWg;Gf;fSf;F mtiu my;yJ tq;fpiag;

nghWg;ghspahf;f khl;Nld;/khl;Nlhk; vd;gijAk; mwpf;ifapl;L cWjpg;gLj;JfpNwd;/

cWjpg;gLj;JfpNwhk;. ehd;/ehk; ,e;j tpz;zg;gg; gbtj;jpYs;s tplaq;fis thrpj;J

tpsq;fpf;nfhs;Nld; /tpsq;fpf;nfhz;Nlhk; vdTk; vdJ/vkJ RatpUg;gpd; NghpYk;

g+uz mwpT kw;Wk; Ghpe;Jzh;TlDk; ,g; gbtj;jpy; ifnahg;gk; ,l;Nld;/,l;Nlhk;

vdTk; ,j;jhy; mwpf;ifapLfpNwd;/mwpf;ifapLfpNwhk;.

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

gpujhd thbf;ifahshpd; ifnahg;gk; Nkyjpf thbf;ifahshpd; ifnahg;gk;

13

Kf;fpak;

tq;fpahdJ cq;fs; tUkhdk;> nfhLg;gdT Mw;wy; vd;gtw;iwg; ghprPyid nra;J>

mjd; gpd;G jdJ Ra jPh;khdj;jpd; Nghpy; nghUj;jkhdnjhU fpnwbl; fhh;l;il toq;f

g+uz chpik nfhz;Ls;sJ.

,t; tpz;zg;gg; gbtj;ijg; g+uzkhf epug;gTk;. Nghjpa jfty;fs;

toq;fg;glhtpl;lhy;> cq;fs; tpz;zg;gj;ijg; ghprPyid nra;tjpy; jhkjk; Vw;glyhk;.

ghprPyid mYty;fis tpiuthf;Ftjw;F chpa Mtzr; rhd;Wfisr; rkh;g;gpf;fTk;.

rk;gsk; ngWgtuhapd;>

Nj.m.m. my;yJ flTr;rPl;L my;yJ rhujp mDkjpg;gj;jpuj;jpd; gpujp.

epWtd Kj;jpiu/mjpfhug+h;t ifnahg;gk; rfpjk; (kpff; filrpahd) rk;gsr; rPl;L.

rk;gsj;ij (tpguq;fSk; fopTfSk; ntt;Ntwhff; Fwpg;gplg;gl Ntz;Lk;)

cWjpg;gLj;jp> njhopy; toq;Feh; toq;fpa fbjk;.

Kfthpia cWjpg;gLj;Jtjw;fhf> thbf;ifahshpd; ngahpYs;s rkPgj;jpa (3

khjq;fSf;F cl;gl;l) nghJtrjpf; fl;lzg;gl;baypd; gpujp.

%y my;yJ ngWkjpkpf;f Mtzq;fisr; rkh;g;gpf;f Ntz;lhk;. Vnddpy;> tpz;zg;gk;

epuhfhpf;fg;gl;lhy; mit mopf;fg;gl;LtpLk;.

ntspehl;ltuhapd;>

nry;YgbahFk; tjptpl tPrhtpd; gpujp.

flTr;rPl;bd; gpujp.

tpz;zg;gjhuhpd; tUkhdj;ijf; Fwpg;gpLtJld;> mth; ehl;bypUe;J ntspNawpdhy;

my;yJ mtuJ xg;ge;jk; KbTWj;jg;gl;lhy; xU khjj;jpw;F Kd;$l;b

mwptpf;fg;gLk; vd;w thf;FWjpiaAk; mspj;J njhopy; toq;Fehpdhy; toq;fg;gl;l

fbjk;.

njhopy; xg;ge;jf; fbjj;jpd; gpujp (fl;lhaky;y).

14

ePq;fs; 12 khj epiyahd itg;G (Fiwe;jgl;rk; &.25>000) fzf;nfhd;iw Muk;gpf;f

Ntz;Lk;. mjpy; 90 rjtPjk; cq;fs; fld; cr;rtuk;ghf toq;fg;gLk;. itg;G kPsg;

ngwg;gLkhapd;> vQ;rpAs;s fpnwbl; fhh;l; epYit epiyahd itg;gpw;F vjpuhf vjphPL

nra;ag;gLk;.

tUlhe;j kw;Wk; Nrh;Tf; fl;lzq;fs; cq;fs; fpnwbl; fhh;l; fzf;fpy; gw;W

itf;fg;gLk;.

tpz;zg;gj;ijr; nraw;gLj;Jjy;

cq;fs; tpz;zg;gk; (tq;fpf;Ff; fpilf;fg;ngw;wJk;)> Njitahd rfy Mtzq;fSk;

xOq;fhf ,Uf;Fk; gl;rj;jpy;> mjdig; ghprPypg;gjw;F toikahff; Fiwe;jgl;rk; 10

Ntiy ehl;fs; vLf;Fk;.

VNjDk; Nkyjpf Mtzq;fs; Njitg;gl;lhy;> ehk; cq;fSld;

njhlh;Gnfhs;Nthk;.

cq;fs; fpnwbl; fhh;l; mq;fPfhpf;fg;gl;Lj; jahhpf;fg;gl;lJk;> mJ ePq;fs;

Fwpg;gpl;l Kfthpf;F tpepNahfpf;fg;gLk;.

ePq;fs; Fwpg;gpl;l Kfthpf;F fhh;l;il tpepNahfpf;f KbahJNghdhy;> cq;fsplk;

tprhhpj;j gpd;> NtnwhU Kfthpf;F ehk; mjid tpepNahfpf;f KbAk;.

15

fhy itg;gpd; %yk; fpnwbl; fhh;l;bw;F gpizaspg;gjw;fhd xg;ge;jk;

Kfhikahsu;>

n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhg;gNu\d; ypkpl;ll;

nfhOk;G 1.

md;Gs;s Iah/mk;kzp>

fhy itg;gpd; %yk; fpnwbl; fhh;l;bw;F gpizaspg;gjw;fhd xg;ge;jk;

cq;fs; KOikahd jw;Wzpgpd;gb> ePq;fs; fhyj;Jf;Ff; fhyk;

KbTnra;af;$bathwhd mj;jifa vy;iyfs; tiu> (,jdfj;Jg; gpd;du;

“gpizg;nghWg;gspf;fg;gl;l fpnwnl; fhh;l;” vdf; Fwpg;gPLnra;ag;gLtJk;)>

…………………… Mk; ,yf;fj;ijf; nfhz;lJk;> tq;fpAld; vd;dhy; Ngzg;gl;lJk;> fhy

itg;G fzf;nfhd;wpd; &gha; …………………………… (&. ........…) kPjpapd; %yk;

gpizg;nghWg;gspf;fg;gl;lJkhd fpnwbl; fhh;l; xd;iw vdJ ntspg;gilahd

Ntz;LNfhspd; Ngupy; ePq;fs; vdf;F toq;fpaikapd; gpujpgydhf> fhh;l;bd; kPJ

tUkjpahd vy;yhj; njhiffisAk; tl;bAlDk; ,Wg;gdTfSlDk; nrYj;Jtjw;F

ehd; cld;gLfpd;Nwd;. NkYk;> tq;fpahsu;fs; vd;w Kiwapy; ePq;fs; rl;lj;jpdhy;

cupj;JilNahuhftpUf;ff;$ba VNjDk; nghJthd Nrhe;ijf;F my;yJ xj;j

cupikAld; Nru;j;Jk; mjw;Fg; gq;fkpd;wpAk;> ePq;fs; ve;Neuj;jpYk; vdf;F

mwptpj;jypd;wpAk; NkNyAs;s vy;yhtw;iwAk; my;yJ mtw;Ws; vtw;iwAk;

,izf;fyhk; my;yJ xd;Wjpul;lyhk; vd;Wk;> mj;jifa fzf;FfSs; VNjDk;

xd;wpd; my;yJ xd;Wf;F Nkw;gl;ltw;wpd; tuTf;fpUf;Fk; xU gzj;njhifia my;yJ

gzj;njhiffis> gpizg;nghWg;gspf;fg;gl;l fpnwbl; fhh;l; fzf;fpd;kPJ

epYitahfTs;s VNjDk; njhifiaf; nfhLj;Jj;jPu;g;gjpy; my;yJ

nfhLj;Jj;jPu;g;gjw;F vjpuPLnra;ayhk; my;yJ ifkhw;wyhk; vd;Wk; ,j;jhy;

ntspg;gLj;Jfpd;Nwd;.

16

vd;dplkpUe;J tq;fpf;F tUkjpahfTk; Nru;kjpahfTk; cs;s njhif gw;wp tq;fpapd;

mYtynuhUtupdhyhd rhd;wpjnohd;W> tUkjpahfTk; Nru;kjpahfTk; cs;s

cs;sgbahd njhifgw;wp vy;yh Nehf;fq;fSf;fhfTk; NghjpaJk; KbthdJkhd

rhd;whjy; Ntz;Lk;.

cq;fspd; tq;fpf;fhd ,t;tjpfhuk; mopf;fKbahjnjd;Wk; cq;fs; rk;kjj;Jld;

ntspg;gilahf ,y;yhnjhopf;fg;gLk; tiu njhlu;e;Jk; KO tYTk; gaDk;

nfhz;bUj;jy; Ntz;Lnkd;Wk; ,j;jhy; ntspg;gLj;Jfpd;Nwd;.

gpizg;nghWg;gspf;fg;gl;l fld; ve;j itg;Gf;nfjpuhf toq;fg;gLfpd;wNjh> vd;dhy;

,lg;gl;l me;j VNjDk; itg;G> fpnwbl; fhh;l; ,uj;Jr; nra;ag;gLk; gl;rj;jpy;>

Mff;Fiwe;jJ 45 ehl;fSf;Fg; gpbj;Jitf;fg;gLnkd;gij ehd; KOikahfg;

Gupe;Jnfhs;fpd;Nwd;.

vd;dhy; my;yJ cq;fshy; epiwNtw;wg;gl;l my;yJ epiwNtw;wg;glTs;s VNjDk;

vOj;jpyhd my;yJ NtW topapyhd rl;lj;jpy; my;yJ xg;ge;jj;jpy; my;yJ

rhjdj;jpy; Kuzhf mlq;fpAs;s vJ vt;thwpUg;gpDk;> vdf;F Kd;dwptpj;jypd;wpAk;

vd;dplkpUe;J cq;fSf;F tUkjpahd gzq;fSf;fhf vd;kPJ nra;ag;gl;l VNjDk;

Kw;Nfhupf;ifapd;wpAk;> xJf;fPl;Lupikiag; gpuNahfpg;gjw;F cq;fSf;F ve;Neuj;jpYk;

vy;yh Neuq;fspYk; jj;JtKk; mjpfhuKk; ,Uj;jy; Ntz;Lk;.

,e;j mjpfhutspg;gpdJk; el;Nlhj;juthjj;jpdJk; epajpfSf;fpzq;f tq;fp

nrayhw;Wtjd; gpujpgadhf> mj;jifa tplaj;jpd; jd;ikiag; nghUl;gLj;jhJ

vy;yh Neuq;fspYk; tq;fpapdhy; cwg;gl;l my;yJ milag;;gl;l vy;yh el;lq;fs;>

cupikf; Nfhuy;fs;> tof;Ffs;> rl;l eltbf;iffs;> Nfhupf;iffs;> Nrjq;fs;> nryT

njhiffs; kw;Wk; nryTfs; vd;gtw;Wf;nfjpuhf tq;fpf;F ,og;ngjph;fhg;G mspf;fTk;

tq;fpia ,og;ngjph;fhg;G mspf;fg;gl;ljhf itj;jpUg;gjw;Fk; fhh;l; itj;jpUg;gtu;

,j;jhy; nghWg;Ngw;fpd;whu;.

ehDk; vdJ kuGupikahsu;fs;> epiwNtw;Weu;fs;> epUthfpfs; vd;NghUk;

,t;Tld;gbf;ifapd; %yk; gpzpf;fg;gLtjw;F ,j;jhy; cld;gLfpd;Nwd;.

17

,f;fbjj;jpy; jug;gl;Ls;s xOq;Nfw;ghLfspd; nraw;gLj;Jjy;fs; rk;ge;jkhf

tq;fpapdhy; mtrpankdf; fUjg;gLfpd;w fhy itg;Gf;fspd; my;yJ NtnwitNaDk;

Mtzq;fspd; GJg;gpj;jy;fis vdJ rhu;gpy; Gwf;Fwpg;gpLk; my;yJ epiwNtw;Wk;

Nehf;fj;Jf;fhff; $l;lhfTk; jdpj;jdpahfTk; vdJ mw;NwhzpfshfTk;

mw;NwhzpahfTk; ,yq;ifapYs;s HSBC apd; mg;Nghijf;F epiwNtw;wYtynuhUtuhf

cs;stiu ,j;jhy; NkYk; ngau;Fwpj;J> mikj;J> epakpf;fpd;Nwd;.

cq;fs; ek;gpf;iff;Fhpa>

thbf;ifahshpd; ifnahg;gk;

fzf;F ,yf;fk; : ……………………………………….......................

rhl;rp: (1) ……………………………………….......................

ngau;

Kftup

njhopy;

rhl;rp: (2) ……………………………………….......................

ngau;

Kftup

njhopy;

tq;fpapdhy; epug;gg;gl Ntz;baJ

fhy itg;Gf; fzf;F ,yf;fk; ……………………………………….......................

itg;gpd; ngWkjp ……………………………………….......................

fzf;F Muk;gpf;fg;gl;l jpfjp ……………………………………….......................

itg;Gf; fhyk;

tq;;fp mjpfhhpapd; xg;gk;

18

(12 khjq;fs; kl;Lk;) ……………………………………….......................

gpufldk;

,J n`hq;nfhq; \q;fha; ghq;fpq; Nfhg;gNu\d; ypkpl;ll;Lf;F (,dpNky; tq;fp vd;W

Fwpg;gplg;gLk;) nra;ag;gLk; gpufldkhFk;. ,yq;ifapy; ,e;j tq;fpapdhy;

toq;fg;gLk; rfy HSBC fpnwbl; fhh;l;(fs;) njhlh;gpYk; ,g; gpufldk; nry;YgbahFk;.

,t; tpz;zg;gj;jpy; njhptpf;fg;gl;Ls;s jfty;fs; rhpahditAk; cz;ikahditAk;

vd;W ehd;/ehk; cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;. ,j; jfty;fis ve;j

,lj;jpypUe;Jk; tprhhpj;J Ch;[pjk; nra;Jnfhs;s ehd;/ehk; cq;fSf;F mjpfhuk;

mspf;fpNwd;/mspf;fpNwhk;. fhyj;jpw;Ff; fhyk; cq;fSf;Fj; Njitg;glf;$ba

jfty;fis vd;id/vq;fis Nfl;fhkNy cq;fSf;F my;yJ cq;fs; gpujpepjpf;F

ntspapl vdJ/vq;fsJ tq;fpahsh;fSf;Fk; Vida jug;gpdUf;Fk; mjpfhuk;

mspf;fpNwd;/mspf;fpNwhk;. fzf;Fj; njhlh;gpy; rhpahd Gjpa jfty;fisNa tq;fp

vg;NghJk; itj;jpUf;f Ntz;Lk; vd;gjw;fhf> ,e;j tpz;zg;gj;jpy; njhptpf;fg;gl;Ls;s

jfty;fs; khWk; gl;rj;jpy; mJ gw;wp cldbahf tq;fpf;F mwptpf;f

,zq;Ffpd;Nwd;;/,zq;Ffpd;Nwhk;. ehd;/ehk; tpUk;Gk; Kfthpf;F tpepNahfj;ij

Nkw;nfhs;s Kbahtpl;lhy;> vdJ/vkJ fbjj; njhlh;G Kfthpia tq;fp khw;wf;$Lk;

vd;gij ehd;/ehk; mwpNtd;/mwpNthk;. vdJ/vq;fsJ ngahpy;/ngah;fspy;

fzf;nfhd;iw Muk;gpf;Fk;gbAk; ehd;/ehk; Ntz;bf;nfhs;Sk; gpufhuk;

fhh;l;il/fhh;l;Lfis toq;Fk;gbAk; mf; fhh;l;il/fhh;l;Lfis fhe;jg; gl;bapd; eLNt

,uz;lhff; fpopj;Jr; ,uz;L Jz;LfisAk; cq;fsplk; rkh;g;gpg;gjd; %yk;

mjid/mtw;iwg; gad;gLj;Jk; chpikia kPs xg;gilf;Fk; tiu mjid/mtw;iwg;

GJg;gpj;Jg; gjpyPL nra;Ak;gbAk; cq;fisf; Nfl;Lf;nfhs;fpNwd;/Nfl;Lf;nfhs;fpNwhk;.

fpnwbl; fhh;l; chpikahsh; xg;ge;jj;jpd; tpjpfs; kw;Wk; epge;jidfs;> ATM, ATB, PIB

kw;Wk; Vida fzf;Ffs; njhlh;ghf tq;fpapdhy; ntspaplg;gl;Ls;s epge;jidfs;

vd;gtw;wpw;F mikthf kl;LNk vdJ/vq;fs; fpnwbl; fhh;l;/fhh;l;fisg; gad;gLj;j

,zq;FfpNwd;/,zq;FfpNwhk;. mj;Jld;> tq;fpapdhy; ntspaplg;gl;Ls;s fpnwbl; fhh;l;

chpikahsh; xg;ge;jj;jpd; tpjpfs; kw;Wk; epge;jidfis Vw;Wf;nfhs;sTk;

mtw;wpw;Ff; fl;Lg;gl;L elf;fTk; ,zq;FfpNwd;/,zq;FfpNwhk;. ,e;j tpz;zg;gk;

Vw;Wf;nfhs;sg;gl;L> vdf;F/vkf;F fpnwbl; fhh;l; mDg;gg;gLk;NghJ> tpjpfs;>

19

epge;jidfis cs;slf;fpa gpuRuj;jpd; gpujpnahd;Wk; mDg;gg;gLk;. Gjpa fpnwbl;

fhh;l;ilg; gad;gLj;Jtjd; %yk; fhh;l; itj;jpUg;gth; mJ njhlh;ghd tpjpfisAk;

epge;jidfisAk; Vw;Wf;nfhz;Ls;shh; vd;W tq;fpapdhy; tpsq;fpf;nfhs;sg;gLk;

vd;gij ehd;/ehk; xg;Gf;nfhs;fpNwd;/xg;Gf;nfhs;fpNwhk;. fhh;l;bd; ghtidahdJ ,e;j

tpjpfSk; epge;jidfSk; Vw;Wf;nfhs;sg;gl;Ls;sd vd;gjw;F milahskhFk;

vd;gij ehd;/ehk;; xg;Gf;nfhs;fpNwd;/xg;Gf;nfhs;fpNwhk;. cs;sf fld;

Ch;[pjg;gLj;jy;> jw;NghJs;s VNjDk; fpnwbl; fhh;l;fspd; cr;rtuk;Gfs; kw;Wk;

ghtid vd;gtw;wpw;F mikthfNt fpnwbl; fhh;l; toq;fg;gLk; vd;gij ehd;/ehk;;

Vw;Wf;nfhs;;fpNwd;/Vw;Wf;nfhs;fpNwhk;. vdJ fpnwbl; fhh;l; fzf;fpy; nra;ag;gLk; gz

itg;Gf;fs; my;yJ gz khw;wq;fs; fhuzkhfNth> cr;rtuk;gpd; jw;fhypf mjpfhpg;Gf;

fhuzkhfNth vdJ Kw;gz cr;rtuk;G mjpfhpf;fg;gl khl;lhJ vd;gij ehd;/ehk;;

mwpNtd;/mwpNthk;. vdJ/vkJ Ntz;LNfhspd; Nghpy; toq;fg;gl;l gpujhd kw;Wk;

Nkyjpf fhh;l;/fhh;l;fSf;fhd rfy mwtPLfSf;Fk; ehd;/ehk;;; jdpj;jdpahTk;

$l;lhfTk; nghWg;Ngw;f Ntz;Lk; vd;gij ehd;/ehk;;

xg;Gf;nfhs;fpNwd;/xg;Gf;nfhs;fpNwhk;. fhh;l; tpguf;$w;Wf;fs; my;yJ Vida

mwptpj;jy;fs; fpilj;jJk;> mtw;iwg; ghprPypg;gJ vdJ/vkJ nghWg;ghFk; vdTk;

mjidr; nra;tjw;F ehd;/ehk;; jtWk; gl;rj;jpy;> VNjDk; jtiwf; fz;Lgpbg;gjw;fhd

fhyk; fle;j gpd;dh;> vdf;F/vkf;F Vw;glf;$ba VNjDk; ,og;Gf;fSf;F tq;fp

nghWg;ghfhJ vdTk; Vw;Wf;nfhz;L cWjpaspf;fpNwd;/ cWjpaspf;fpNwhk;.

ntspehl;by; th;j;jf hPjpapy; ngUksT nghUs;fisf; nfhs;tdT nra;tjw;F my;yJ

,yq;ifapypUe;J %yjdj;ij ,lk;khw;Wtjw;F fpnwbl; fhh;il ehd;/ehk;; gad;gLj;j

khl;Nld;/khl;Nlhk;. vdJ fpnwbl; fhh;l;bd; ghtid njhlh;ghf ,yq;ifapYk;

ntspehl;bYk; xUrpy ATM/tq;fp/fUkgPl tiuaiwfs; ,Uf;ff;$Lk; vd;gij

ehd;/ehk;;; mwpNtd;/mwpNthk;. ehd;/ehk;; ,yq;ifapypUe;J Fbngah;e;jhy; my;yJ

ntspehl;Lf;Fj; njhopy;Ghpar; nrd;why;> vdJ/vkJ fpnwbl; fhh;l;il/fhh;l;fis

tq;fpaplk; kPsspj;Jtpl;L> rfy epYitfisAk; KOikahfr;

nrYj;jptpLNtd;/nrYj;jptpLNthk; vd;W cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;.

NjitNaw;gLk; gl;rj;jpy;> nkhj;jf; fld; cr;rtuk;G tiuapyhd njhifiag;

gpbj;Jitf;Fk; chpik tq;fpf;F cs;snjd ehd;/ehk;;

Vw;Wf;nfhs;fpNwd;/Vw;Wf;nfhs;fpNwhk;.

20

,J ,yq;if ehzag; ghpth;j;jidf; fl;Lg;ghl;lhsUf;Fr; nra;ag;gLk; gpufldkhFk;.

,g; gbtj;jpy; njhptpf;fg;gl;Ls;s tpguq;fs; cz;ikahditAk; rhpahditAk; vd;W

ehd;/ehk;; cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;. fhh;l; toq;fpa tpahghhpapdhy;

(mjhtJ tq;fpapdhy;) tpjpf;fg;gl;l cr;rtuk;gpw;Fs; khj;jpuNk ntspehl;by;

vdJ/vkJ rh;tNjr ,yj;jpudpay; gzkhw;wf; fhh;l;/fpnwbl; fhh;l;/nlgpw; fhh;l;

gad;gLj;jg;gLnkdTk; gazr; nryT> n`hl;Nly; fl;lzq;fs;> vjph;ghuhj nryTfs;>

kUj;Jtr; nryT> ghtidf;fhd nghUs;fis thq;Fjy; Nghd;w NjitfSf;F

khj;jpuNk ntspehl;by; fhh;l; gad;gLj;jg;gLnkdTk; ehd;/ehk;;;

cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;. %yjdf; nfhLf;fy; thq;fy;fSf;F my;yJ

th;j;jf hPjpapy; ngUksT nghUs;fis nfhs;tdT nra;tjw;F my;yJ ,wf;Fkjp

nra;tjw;F fpnwbl; fhh;il ehd;/ehk;;; gad;gLj;j khl;Nld;/khl;Nlhk;. %d;whk; eghpd;

rhh;gpy; ntspehl;L ehzaf; nfhLf;fy; thq;fiyr; nra;tjw;Fk; ,f; fhh;l;il

ehd;/ehk;; gad;gLj;j khl;Nld;/khl;Nlhk;. ehd;/ehk;; ,yq;ifapypUe;J Fbngah;e;jhy;

my;yJ ntspehl;Lf;Fj; njhopy;Ghpar; nrd;why;> vdJ/vkJ rh;tNjr ,yj;jpudpay;

gzkhw;wf; fhh;l;il/fpnwbl; fhh;l;il/nlgpw; fhh;l;il mjid toq;fpa tpahghhpaplk;

jpUg;gpf; nfhLj;Jtpl ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

mwtPLfs; Nrh;Tf; fl;lzk; tUlhe;jf; fl;lzk;

gpujhd tPrh rpf;Ndr;rh; &.2>500/- &.7>000/-

Nkyjpf tPrh rpf;Ndr;rh;; &.1>500/- &.2>500/-

gpujhd gpsl;bdk; &.1>500/- &.3>850/-

Nkyjpf gpsl;bdk; &.500/- &.1>500/-

gpujhd Nfhy;l; &.750/- &.2>250/-

Nkyjpf Nfhy;l; &.300/- &.750/-

Nkw;Fwpg;gpl;l gpufldj;ij ehd;/ehk; thrpj;J tpsq;fpf;nfhz;L> Vw;Wf;nfhz;L

mjw;Ff; fl;Lg;gl;L elf;f ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

21

ehd;/ehk; ,t; tpz;zg;gj;ijr; nra;j Neuj;jpy; tq;fpapdhy; toq;fg;gLk; fpnwbl; fhh;l;

itj;jpUg;gth; xg;ge;jk; gw;wp; vdf;F/vkf;F tpsf;fg;gl;ld vdTk;; me;j tpjpfs;

kw;Wk; epge;jidfspy; mlq;fpAs;s Vw;ghLfis ehd;/ehk; KOikahf

tpsq;fpf;nfhz;Nld;/ tpsq;fpf;nfhz;Nlhk; vdTk;; mj;jifa tpjpfs; kw;Wk;

epge;jidfs; www.hsbc.lkvd;w HSBC ,izaj;jsj;jpy; fpilg;gJld; mtw;wpd;

gpujpnahd;iw tq;fpapd; VNjDnkhU fpisapypUe;J vd;dhy; /vk;khy; ngwKbAnkd

ehd;/ehk; mwpe;Js;Nsd;/mwpe;Js;Nshk; vdTk; ehd;/ehk;

cWjpg;gLj;Jfpd;;Nwd;/cWjpg;gLj;Jfpd;Nwhk;. Nkw;Fwpg;gpl;l tpjpfs; kw;Wk;

epge;jidfis Vw;Wf;nfhs;tjw;Fk; mtw;wpdhy; gpzpf;fg;gLtjw;Fk; ehd;/ehk;

cld;gLfpd;Nwd;/cld;gLfpd;Nwhk;. ,t; tpz;zg;gk; mq;fPfupf;fg;gl;lJk; ,e;j tpjpfs;

kw;Wk; epge;jidfspd; gpujpnahd;W vdJ/vkJ fpnwbl; fhh;l;;Lld; Nrh;j;J

vdf;F/vkf;F mDg;gg;gLk;.

tpz;zg;gj;ijr; rkh;g;gpj;j Ntisapy;> tq;fp trjpfs; kw;Wk; Nritfspd; jd;ik

njhlh;ghd Jz;Lg;gpuRuq;fSk; tpguf;nfhj;Jf;fSk; vdf;F/vkf;F toq;fg;gl;lJld;>

mit gw;wpa tpsf;fKk; mspf;fg;gl;ld vd;gijAk; ehd;/ehk; mtw;iw g+uzkhfg;

Ghpe;Jnfhz;Nlhk; vd;gijAk; ehd;/ehk; Ch;[pjk; nra;fpNwd;/nra;fpNwhk;.

,t; tpz;zg;gg; gbtj;jpy; ehd;/ehk; njhptpj;Js;s jfty;fs;> vd;dhy;/vk;khy;

epug;gg;gl;bUe;jhYk; my;yJ vdJ/vkJ Ntz;LNfhspd; Nghpy;> vdJ/vkJ

Kd;dpiyapNyh my;yhkNyh> ,d;DnkhU jug;gpduhy; epug;gg;gl;bUe;jhYk;

vd;dhy;/vk;khy; thrpj;J tpsq;fpf;nfhs;sg;gl;ld vd;Wk; ehd;/ehk;

ifnahg;gkpLtjw;F Kd;dh; gbtj;jpy; epug;gg;glhj fl;lq;fs; ahTk; ntl;btplg;gld

vd;Wk; ehd;/ehk cWjpaspf;fpNwd ;/cWjpaspf;fpNwhk;.

………………………………………………. ……………………..……

gpujhd fhh;l; tpz;zg;gjhuh; jpfjp

………………………………………………. ………………………..…

Nkyjpf fhh;l; tpz;zg;gjhuh; jpfjp

22

,yq;if kj;jpa tq;fp

,yj;jpudpay; gz khw;w ml;ilf;fhd tpz;zg;gjhuhpd; gpufldk;

ehzag; ghpth;j;jidf; fl;Lg;ghl;lhsUf;F

(,yj;jpudpay; gz khw;w ml;il (EFTC) %yk; ntspehl;L ehzakhw;iwg; ngWtjw;F

tp;zg;gjhuh;/fs; ,jid epug;g Ntz;Lk;)

_____________________________ (gpujhd fhh;l; itj;jpUg;gth; / Nkyjpf fhh;l;

itj;jpUg;gth;) _____________________________ (gpujhd fhh;l; itj;jpUg;gth; /

Nkyjpf fhh;l; itj;jpUg;gth;;) Mfpa ehd;/ehk; fPNo vd;dhy;/vk;khy;

njhptpf;fg;gl;Ls;s rfy jfty;fSk; cz;ikahditAk; rhpahditAk; vd;W

cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;.

ntspehl;L ehzaf; nfhLf;fy; thq;fy;fSf;F fhh;l;ilg; gad;gLj;JtJ njhlh;ghf>

2016 [dtup 20Me; Njjpa 1950/40 Mk; ,yf;f mjptpNrl th;j;jkhdpapy; gpuRhpf;fg;gl;l

ehzag; ghpth;j;jidf; fl;Lg;ghl;Lr; rl;lj;jpd; fPo; tpjpf;fg;gl;Ls;s epge;jidfis

ehd;/ehk; mwpNthk; vdTk; me;j epge;jidfSf;Fg; gzpe;J elf;f

,zq;FfpNwd;/,zq;FfpNwhk; vdTk; ,j;jhy; cWjpaspf;fpNwd;/cWjpaspf;fpNwhk;.

vdf;F/vkf;F toq;fg;gl;l EFTC fhh;l;ilg; gad;gLj;jp ntspehl;L ehzaj;jpy;

Nkw;nfhs;sg;gl;l nfhLf;fy; thq;fy;fs; njhlh;gpy;> ehzag; ghpth;j;jidf;

fl;Lg;ghl;Lr; rl;lj;jpd; Nehf;fj;jpw;fhf n`hq;nfhq; \q;fha; ghq;fpq; Nfhg;gNu\d;

ypkpl;ll;Lf;F VNjDk; jfty; Njitg;gbd;> mjid toq;f

,zq;FfpNwd;/,zq;FfpNwhk;.

,yq;ifapypUe;J Fbngah;e;jhy; my;yJ ntspehl;Lf;Fj; njhopy;Ghpar; nrd;why;>

vdJ/vkJ EFTC fhh;l;il n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhg;gNu\d;

ypkpl;ll;blk; jpUg;gpf; nfhLj;Jtpl ,zq;Ffpd;Nwd;/,zq;Ffpd;Nwhk;.

23

vdf;F/vkf;F toq;fg;gl;l EFTC fhh;l;ilg; gad;gLj;jp mDkjpaw;w ntspehl;L

ehzaf; nfhLf;fy; thq;fy; Nkw;nfhs;sg;gl;Ls;snjdr; re;Njfpg;gjw;F epahakhd

Mjhuq;fs; ,Ug;gpd;> EFTC fhh;l;bd; Nghpy; ntspehl;L ehzak; toq;Ftij

,ilepWj;Jk; Njit mjpfhuk;ngw;w toq;FeUf;F Vw;gLk; vd;gij ehd;/ehk;

mwpNtd;/mwpNthk;.

…………………………………. ……………………………………………………….…….

jpfjp gpujhd fhh;l; itj;jpUg;gthpd; xg;gk;

…………………………………. ……………………………………………………….…….

jpfjp Nkyjpf fhh;l; itj;jpUg;gthpd; xg;gk;

tq;fpapd; ghtidf;F kl;Lk;

______________________ (mYtyhpd; ngah;) Mfpa ehd; _________________________

(fhh;l; itj;jpUg;gthpd; ngah;) vd;gtuhy; rkh;g;gpf;fg;gl;l jfty;fs; kw;Wk; chpa

Mtzq;fisf; ftdkhfg; ghprPypj;J> mj; jfty;fSk; Mtzq;fSk; ehzag;

ghpth;j;jidf; fl;Lg;ghl;Lj; Njitfs; kw;Wk; tq;fpapd; cs;sff; nfhs;iffs;

vd;gtw;wpw;F mikthfNt cs;sd vd;gijapl;Lj; jpUg;jpailfpNwd;. fhh;l;

itj;jpUg;gth; jdJ EFTC apd; Nghpy; Nkw;nfhs;Sk; ntspehl;L ehzakhw;Wf;

nfhLf;fy; thq;fy;fs; Fwpj;J tpopg;ghf ,Uf;fTk;> fhh;l; itj;jpUg;gth; toq;fpa

thf;FWjpf;F Kuzhf EFTC apd; Nghpy; mDkjpaw;w ntspehl;L ehzakhw;Wf;

nfhLf;fy; thq;fy; ,lk;ngw;Ws;sjhfr; re;Njfpg;gjw;F epahakhd Mjhuq;fs;

,Ug;gpd; EFTC apd; Nghpy; ntspehl;L ehzakhw;W toq;Ftij ,ilepWj;jTk; ,e;j

tplaj;ij ehzag; ghpth;j;jidf; fl;Lg;ghl;lhshpd; ftdj;jpw;Ff; nfhz;LtuTk;

tq;fp ,zq;Ffpd;wJ.

___________________ _________________________________

jpjp khkh tttt tq;fpapd; rhh;gpy; mjpfhukspf;fg;gl;l

mYtyhpd; ifnahg;gk;

njhlh;Gl ID*:_________________________________________________________________

( DSA kw;Wk; nuyp tpw;gid KftUf;F kl;Lk;)

24

,e;j Mtzj;jpd; Mq;fpy my;yJ rpq;fs gpujp cq;fSf;Fj; Njitg;gbd;>

jaTnra;J www.hsbc.lk vd;w vkJ ,izaj;jsj;ij ehlTk; my;yJ vkJ

fpisnahd;wpy; Nfl;Lg; ngwTk;.

CPD/SEC/APP/TAM /V-2016.3

n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhg;gNu\d; ypkpl;ll;> =yq;fhtpd; ntspaPL.