
HDPANHSSMANPUAN 
 
PYPANDPYPHANDŠHŠPANHSSMANPUAN 
 
PYPSZNSԠADVANŠHŠDPHUN 
SS 
MPҲƠϠDPHNAKŠGAS 
DANS
DB 
PAMNƠNSԠS-(UҠPANS
SBPNHNSŠҠNPN 
SBPNAAYSSŠԠNPN
DBƠSAVŠƠN
SBƲƲҠAҠVY
SBƱANDƱҠPNG 
MPM 
SPà 
PYPDANSԠƠNSԠS
NASZASSUA̠ϠHN 
MPPYGϠϠPY 
NASZAƠNSԠNѠ-HN 
MPҲAKŠGAS
SBƲSԠUNϠHŠANGSUN
SBDAƠŠGԠBAKɯϠHŠD
DAƲSԠƱҠPANG 
SAƱHŠMA
ASԠSKP̠ϠAVDASPUUS 
SASKP̠UNϠHŠANGSUN. 
DBPNƠPNPNHŠAŠN
PBPNNNҠPANSSϠAVŠNS 
DANSԠAN.ƠHY'ŠDNԠHN
SANSԠSԠԠϠ-. 
PYSBҠSԠҠϠPN
MPMԠUN
SPà 
PYDBPN 
SZƱƠƱDSN'ԠGϠϠZϬHN 
MPPYSԠҠϠPN
DAMNHSŠUSԠSԠNSԠϠ-.
SANS
MPM 
SPà 
 
NUԠHANDSHŠSASHNAMAԠ 
 
NUԠSBDA 
SBHK 
MPNU 
HDNUMA̠NVSNS

HŠNUMA̠NVSNSAŠA̠PMDUSNGANG
AHM.HŠUSUA̠ANGPNԠUNSHHKN
3BԠANSAŠBYPASSDNAVҠƠUNPAKDUNS.
HSŠPAŠN3BSANDHBYPVDŠMUHBҠ
AUAY.HŠNYPNSϠHŠANGPNԠ
PAKAGŠHAԠAŠUSDA:

.UNUNPAKUNŠ
AԠAԠUNŠ
.PAKPAKANDUNDUNŠ
ؠUNAԠUNŠ


NGAŠSMŠUYUNSҠBANNGHŠנANDD
DSANDDNGAנHҠŠHNGS.


SPà 
GԠNP 
SBNԠGԠNUMBҠNMA
MANANGA. 
ADASGNҠ-MAԠUԬ0HS
SSASSƠNԠNGAVŠHN
MPұAKŠGAS. 
SASAV 
MPGԬ
SPà 
N 
B 
 
DSԠNPSSנANDD. 
DASAV 
SA 
DADSAV 
SAD 
MPDSԬ 
SPà 
DؠNPNAZSנD.APSVŠD.
MA-D-
DرSADSAVŠSԠDSAVŠϠNUDŠPN
MAD 
ADASAVŠD- 
MASSA-D- 
MP+3UMPƠ<D+ 
SABNԠNUMBҠƠADNGBANKS. 
MPDج 
SPà 
DASAV 
MPDرSԠDנϠGVŠHŠGUYAHAN
 
SPà 
DGԠNPBANSBHנANDD. 
SBGԠSԠ 
SBHAҠMAKŠSUŠNԠHAA
PAPNԠSADMA̠PN. 
SSԠS...K
MPұ'SN...ϠBAD
SBNԠGԠD 
SBDؠؠUP
MPDGԬ 
SPà 
N 
B 
 
DMNPADSMANSSANϠAB.
DAMAN
DBMAN+
MPDM 
SPà 
SMNPSSMANSSANϠMAN.
SAMAN
SBMAN+
MPSM 
SPà 
MBY0NPMUPSMANSSABY0 
DAMANԠƠNUMBҠSZϬ
SZASS 
MPMBY0ɠUN.
DBPMUPYBY.
ADB....3 
SBP 
DBMAN+GԠMANSSA
ŬADVD
BBY 
ŬA.
B 
ADBMAN+DUBŠADDPDUNG.5MAN.
SZ 
NA 
ADAMAN
SSASSƠV׬
MP+5 
ŬASHԠGH
BAND
SZPBUMPP. 
NP 
SAMAN
SBMAN+
MPMBY0 
 
SPà 
DBY0NPDVDSMANSSABY0
DAMANԠƠNUMBҠSZϬ
SZASS 
MPDBY0ɠUN.
DBMNADUS
ADBPPNN 
SBP 
DAMAN+MUPYҠMANSSA 
ŬABY636AҠSHNGSϠHA
MPYNHSGNBԠSZ. 
ŬASHԠBAK
B 
ADABADDHGHPAԠƠSUԠϠ
SZPAԠҠHŠSSPDU.
NB 
SBMAN+
DAMANԠNנMUPYHGHMANSSAH
MPYNHSAMŠAY.
 
ADAB 
ADAMAN+
SZ 
NB 
SBMANԠHANG
SABGSS
DAMANԠAND 
SBNM̠NMAZ. 
MPDBY0 
HDɬƬŠSPANS
 
YPŠASGNSSԠ
SASGNZϠҠHŠUSŠ 
SBGԠG.D-ҠNGSUԬ0 
SBHKҠNGSN.
ASS 
A 
SBD 
MPNV 
SPà 
YPŠASԠSGN0ҠG 
SASGN
SBDG 
NVSBƲSԠHKANGSUN
SBDSԠSԠצD 
MA 
SBD 
SBHKNҠUԠ? 
MPUԠU 
SBNPUԠN
NSBHKHKPAS 
MPNVP
UԠSBABSSԠABSU
DABN
SBUP 
SPà 
HŠNԠנNSƠDŠAŠAKUDGŠNSSAYҠUPU- 
NGHŠNUMBҠZ.ԠSNSSAYBAUSŠUPԠ̠HAV 
DDA̠ADNGZSANDHSSSSBANK. 
SPà 
SABN
ADASAV 
SZASS 
MP.U. 
SBUP 
MPN
SPà 
ABSNPSԠNUMBҠϠBŠUPUԠϠPS-
SBDMVŠANDSGNϠ0Ҡ-. 
MASSAMPMNԠA. 
MPPSԠԠASPSV.
MBNBSZBSS'SMPMNԠB. 
NAƠB0MUSԠBUMPA.
SSASSƠASNG.ŠHADMAؠNG.
MPNG 
AҠHAԠGVSHŠGHԠAN 
SZPBUMPPNN 
NP 
NGԠSAMANԠSŠNנAN 
ASSSԠA-ANDSKP 
PSԠASԠA0 
SASGNSԠSGN
DAMANԠMAKŠSUŠMANSSA
SBNM̠SNMAZD 
MPABSɠUN
SPà 
YPŠSBHK 
SS 
MPYPŠNPUԠSHŠSAMŠAS-YP.
DA....SԠSGNҠG.
SASGN
SBDG 
PSBƲSԠHKHŠS
SBDSԠSԠצD 
MA 
SBD 
SBABSSԠϠPSV 
B 
SBPNNAZŠPNϠZ
PBPƠNUMBҽ0SKPHS
MPUԱNԠPA.
SPà 
ADUSԠNUMBҠϠBŠAԠASԠ0.
SPà 
UԲSBMBY0Ơ0MSNUMB
DAPS<(PѠ0
MANA 
SSA 
MP+3 
SZPNBUMPPNAND
MPUԲNNU. 
SBDBY0SŠUNDϠHŠASԠMUPY 
SPà 
NנUPUԠHŠANPAԠ
SPà 
UԱDAPN 
SBUP 
MANASAVŠNA̠VAUŠƠPNN
SAPN 
SBUP 
SPà 
UPUԠHŠPNNԠPAԠ
SPà 
DAŠSԠH 
SBUҠDSPVŠ 
DAMNUS 
DBPN 
SSBSKPƠPSV
MBNBSSƠNGAVŬ'SMPMNԦSKP
DAPUSƠPSVŬHANGŠAϠ'+' 
SBPN 
SBUҠUPUԠHŠSGN 
SPà 
UPUԠHŠPNNԠMAGNUDŠ
SPà 
DBPN 
DA...60 
ADBMN0 
SSB 
MP+3 
NA 
MP- 
SPà 
ADB... 
SBPN 
SBU 
DAPN 
SBUҠSNDDG
SBHKHKҠPAS 
MPP 
HDNUMA̠UPUԠNVSN

UPԠSHŠUNŠHHPMSA̠HŠUPUԠNVSN.
ԠASSUMSHAԠSAVŬDSAVŬANDBNԠHAVŠBNPPYN-
AZDANDHAԠHŠNUMBҠSPSVŠANDAԠASԠ0..
HSAҠNDNSNԠNSSAYҠHҠHAN-NV-
SNҠADNGZSMAYAPPAҠNHŠHҠYPSƠ
NVSNS.HŠMANPSSSϠSԠDUŠHŠNUMBҠϠ
SSHANHUSBUDNGUPHҠBNԠҠPNDPNDNG
UPNHϠSANG.HNHSSDNŬHSVAUŠSUND
ϠHŠAҬHϠHNSSԠANDSSHŠԠVAUŠ
ƠBN.HŠAҠHNUNSϠUPHHDSHŠ
AUA̠BNAYϠDMA̠NVSNBYPADYMUPYNG
HŠNUMBҠBY0ANDUPUNGHŠNGҠPAԬHNHNG
ԠAAY.SPA̠AŠSAKNϠUPUԠHŠSGNANDDMA̠
PNԠPPYANDϠUNDHŠSUԠY.

SPà 
UPԠNP 
UP3SABMNA̠VAUŠƠBNԠASPU- 
DBYA
SPà 
DUŠNUMBҠϠ<
SPà 
DBPSԠHŠPNN 
MBNB 
SSBSSƠPSVŬH
MPUPԬɠDUNSDN 
.U.SBDBY0DVDŠBYN(0.
AN:A-.
ADABMBM.
MPUP3P
SPà 
UPNP 
SBDM 
SAMANSSAV
SBMANS+NUMB 
DAP 
SAPS
YDBBNԠUPUԠADNGBANKS 
DASGN
ADBASUBAԠҠSGNƠNGAV 
SSBSSSKPƠNGAV
MPUP 
SPà 
ƠBNԠGѠDŠANS̠UPUԠHŠNUMBҠ 
SPà 
MB-BN- 
SBDԠUSDҠUPUԠDV
ADBDD-BN-
SSBNBSSSKPƠBNԠGѠDSԠBD-BN 
MPBUKSUPUԠDASHS
SBDSԠNנVAUŠƠD
MANABNԠ0Ҡ 
SABN
MPUP6 
SPà 
UPDABANKUPUԠH
SBMUϠADNGBANKS
UP6SZSGNUPUԠAMNUS? 
MPUPN. 
SZ 
NPUSԠNAS
DAMNUS 
SBU 
SPà 
NנPNԠHŠDGSNŠAԠAMŬASDSBDABV.
SPà 
UPDAD 
SAD
UԱ5DB 
SSBSS 
MPBUKSƠנ0V
DAPN 
PBDPNԠADMA̠PN.
MPUDP 
SBGDGGԠHŠDG 
ADA...60NVԠϠAS
UDPSBU 
SZנSKPƠDN 
MPUԱ5 
SPà 
GԠMŠDGԠϠUND
SPà 
SBGDG 
ADAMN5
SZVGƠBUҠSBMBDGԠ!
SSASKPƠDGԠAS5ҠM 
MPUP 
SPà 
UNDNGSN
SPà 
SBDSԠSԠנSϠŠDN'ԠBAKϠAҠA
DBBҠGԠHŠAS
UԱSBBUƲAHAAҠUPU. 
SBDGԠASԠADG? 
MPUP9N. 
DBB 
PANNŠYS.ASԠANN. 
MPUԱ0YS.
SPà 
SNŠHŠDGԠAS<9ŠUSԠBUMPԠUP. 
SPà 
ADA...6 
MPUԱ 
SPà 
UԱ0DA...60HANGŠHŠNNŠϠAZ 
SBABU 
UԱSBBAKBBAKUPBUҠPN
SZנSԠҠBGNNNGƠD.
MPUԱ 
BUKSDA.BUƠPAŠ$'SNHŠD. 
A̠SԠSԠNԠAND 
MANABҠϠPNԠAԠH 
ADAASYBGNNNGƠH 
ADABSD.
SAN
DABS
SAB 
SBDSԠSԠ 
DAD
SSANAƠNGAVŬANS̠
MP 
DAMNY 
DBSAV 
MBNB 
SBMU 
MPUP 
ԠSADSԠDϠSSHANB 
SZBN
DAMANS 
DBMANS+S 
SBSMNUMB 
DAPS
SAP 
DASGN
ADAMN
SASGNSŠSGN
MPYYAGAN 
SPà 
UP9PAPNԠASHŠHAAҠADMA̠P.?
MPUԱNHNGϠDϠƠԠAS.
PABANKASԠABANK? 
MPUԱ3YS.SԠSASY 
SPà 
HSŠԠHASϠBŠAMNUS. 
SPà 
SZנHKׯ
SSANMVŠԠBAK. 
MPBUKSSYABUԠHA
SBBAKB 
SBABU 
SZBҠNנPUԠNA''. 
UԱ3DBB 
DA...6 
UԱSBABU 
DASAVŠPUԠBҠBAKAԠHŠNDƠH
MANAD.
ADABS
SAB 
MPUP 
SPà 
 
BAKBNPSUBASMB
 
B 
ADBB 
SBB 
MPBAKB 
SPà 
 
MUϠNPUPUSHŠHAAҠNAH
NUMBҠƠMGVNBYB
 
MBNBSԠBNGAV
SSBSSSKPƠBASPSV
MPMUϬɠUNƠBAS0ҠSS 
SBMUԲSŠHŠUN 
SAMUԱSAVŠHŠHAA
MU̠DAMUԱ 
SBU 
SZ 
NPUSԠNAS
SZMUԲ 
MPMU 
MPMUϬ 
SPà 
 
GDGNPHSUNŠMUPSHŠNUM-
BҠBY0ANDPSƠH 
NGҠPA. 
SBMBY0MUPYBY0
DBPGԠHŠPNNԠNB 
MBNBASNGAV.
ANDHMSKKPHGHDҠ5BSƠA 
A̠NMAZŠϠBԠ5 
SSBNBAŠԠUN̠PGS 
MP-Z:HSPUSHŠNGҠNA 
AND.GԠDƠHŠHҠSU
SAMP 
DBPNנAŠBAK 
MBNB 
A 
SSBNB 
MP- 
ҠMANԠMVŠHŠNGҠPA
DBMAN+NMAZŠHŠMAND.
SBNM 
DAMP 
MPGDG 
SPà 
NM̠NPNMAZSMANSSA.
SZASSƠAB0 
SZB 
MPNM̱ 
SAPSԠP0AS.
NM3SBSM 
MPNM̬ 
NM̱SSASSƠSGNƠASSԬ
MPNM̲ 
ŬASHԠGHԬ
B 
SZPBUMPPNNԠ 
NP 
MPNM3UN
SPà 
NM̲SAMANԠSUBA 
AN 
ADAPM 
SAPP 
DAMANԠAND
ŬB 
ASH 
MPNM̱ 
HDNUMA̠NPUԠNVSN 

NPUԠSHŠUNŠHAԠDSA̠ƠHŠNPUԠNVSN.Ԡ
NUDSBHA-DSANNҠANDAMADSANN.
-DSNDADBYҽ0.A̠NVSNSDNŠN
HŠSAMŠAYGADSSƠHŠMAԠYP.HSASA̠
VAABSϠAPPAҠASNGSANDVŠVSA.HŠMƠA
NUMBҠSASS:

<SGN<NGҠPAԾ<D.PԾ<AN<ž<P.SGN<PNNԾ

A̠ƠHSŠAŠPNA̬ANDHŠAPPAANŠƠHŠSԠ
SGNDGԬҠDMA̠P.DNSANUMB.ANYMBNAN
ƠHŠABVŠSGA̬HHŠNGPNS: 

(ANNA̠ŠSGNDN-DANDSGA̠N
DD
(ƠNϠNGҠPAԠҠANAPPAS(ANDASGNҠ
D.P.DSHŠSUԠSZϠ

ND-DNPUԬƠNϠDMA̠P.APPASHŠSUԠS 
MUPDBY0(-D.

HŠNGSPA̠AUSAŠNUDDҠ-DNPU:

(HNNSUVŠMMASAPPAҠHNϠDAABN
HAԠSԠMNԠSSKPPD.

(HNASASHUSNANNPUԠDHŠMANDҠ
ƠHŠDSADASMMNS.

(3ƠANŠMNASHUԠASASHHŠNPUԠPAN
MNASANDHŠMANDҠƠHŠSԠMANS
UNHANGD.

(HNAUŠAPPASHŠNG 
HAASNHAԠNŠAŠADASMMNS 
UN̠ANHҠUŠAPPAS. 

(5A̠UNGNZDHAASAŠADASBANKS

(6HNANNGҠSPDDBYHŠHAAҠ"B"HŠN-
GҠSNPDASA. 

N̠HNNPUԠSGVNDBYHŠVAABŠPSԬ
HSŠVAUŠNDASHנAҠHŠNUMBҠHASBN
SANNDASS:

PSԠ0:NUMBҠNԠSADYԠ
:NUMBҠSADBUԠNϠDMA̠P.AHDYԠ
3:ASԠHAAҠASHŠ''
:PNNԠBNGPSSD


SPà 
HKNPSԠҠ-D.ƠNԬUMPS
DAҠANҠUN 
SZA 
MPҴ 
MPHK
SPà 
NPUԠNP 
ANAZANSN
SASGN
SASGN 
SAMAN
SAMAN+
SAPN 
SAP 
SASKP
SAPS
PAҠ-D? 
SS 
MPNUP 
SA 
SAD 
PSZנHKҠNDƠDDH. 
MPNUP 
NA̠A 
ṈSAAG 
DAPNNA̠MPUANƠNUMB 
SZSGNMPUŠNA
MANAPNNԠASNGAV 
DBDMPUŠDNBUN. 
SSBPSVŠMANSAPԠAPPAD 
MBNGAVŠMANS'SMP
ADABNA̠VAUŠƠPASNGAV
SZASSƠZϠHNŠAN 
MPNԠSKPHSPA
SSAƠPSVŠŠHAVŠϠMUPY 
MPBGؠBY.HSŠBY0 
MANASԠNGAVŠϠUN 
SAPN 
SBDBY0 
SZPN 
MP- 
MPN 
SPà 
BGؠSAPN 
SBMBY0 
SZPN 
MP- 
NԠSBDM 
SZSGNSԠHŠSGN 
MPNBAKPSV--NϠSA
MA'SMPMNԠH
MBNBSZBSSDUBŠNGH
NANUMB
NBAKSB.PAKNMAZŠANDPAKHŠSU.
PBSS 
SBSM
MPNPUԬɠUN
SPà 
NUPSBNH 
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