kS;sÍ;s iy fldkafoais

HSBC

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2

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3

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ye|skaùu

we;=<;aùu i|yd fhda.H;djh

uekafâg m;%h

;ekam;=

<ud b;=reï .sKqï

uqo,a wdmiq .ekSï

fplam;a

úfoaY jHjydr uqo,a .sKqï

HSBC Premier fvìÜ iy fl%äÜ ldâm;a

iajhxl%Sh ÿrl:k nexl=lrK fiajd (ATB)

HSBC Premier flá mKsjqv ix{d (SMS Alerts)

fmd,sh

nÿ

HSBC Premier f.da,Sh fiajd

ixhqla; m%ldYk

*elaia mKsjqv i|yd ydksmQrKh

weu;=ï fiajd iy ydksmQrKh

Wlia lsÍfï iy ys,õ lsÍfï nexl=fõ whs;sh

jHjia:dms; m%ldYh $ úksuh md,k fr.=,dis

úfoaYSh HSBC Premier fiajdjka

idudkH

yjq,a .sKqu

mdßfNda.sl f;dr;=re tl;=lsÍu" ieliqu yd fnod-yod.ekSu

nÿ wkkql+,;dj

fjk;a úêúOdk

wjika lsÍfuka miqj meje;au

meflach wjika lsÍu

.dia;=

md,kh jk kS;s

4

kS;sÍ;s iy fldkafoais

o fydxfldx wekaâ Iexyhs nEkalsx fldamf¾Ika ,sñgâ hkq Y%S ,xld uy nexl=fõ wëlaIKh

hgf;a mj;sk wjir,;a jdKsc nexl=jls'

o fydxfldx wekaâ Iexyhs nEkalsx fldamf¾Ika ,sñgâ ^ñka u;=jg zHSBCz" znexl=jZ" zwmZ

zwmf.aZ hkqfjka ye`Èkafjk w;r" ikao¾Nfhka bv ie,fik fyda wjYH jkúg tu

fhÿfuka tys wkqm%dma;slhka iy ,enqïlrejka o we;=<;a fõ& nexl=lrK" wdfhdack" uQ,H

yd fjk;a .kqfokq iy úúOdldr iajNdjfha .kqfokq isÿlsÍfï ld¾hh i`oyd iy" HSBC

fj;ska iy$fyda HSBC iuQyfhys idudðlhska fj;ska fiajdjka" ie,iqï" f;dr;=re" NdKav"

m%;s,dN iy jrm%ido ,nd.ekSug HSBC fj; Wmfoia ,nd§ug yd ikaksfõokh lsÍug

ldâm;a ysñhd$ysñhkag ^ñka u;=jg zHSBC Premier .sKqï ysñhd$ysñhkaZ zTnZ" zTfíZ"

zTnf.aZ" z.kqfokqlre$lrejkaZ hkqfjka ye`Èkafjkq we;s w;r" tu fhÿfuka ikao¾Nfhka

bv ie,fik fyda wjYH jk úg Tyqf.a Wreulrejka $Wreuldßhka" woañksia;%dislrejka"

fmd,au#lrejka iy kS;Hdkql+, ksfhdað;hka o woyia jk w;r we;=<;a fõ& yelsjkq msKsi

fuu kS;sÍ;s yd fldkafoaisj,g hg;aj l,ska l,g nexl= fiajdjka" myiqlï iy f;dr;=re

imhkq we;'

fuu kS;sÍ;s ^ñka u;=jg olajd we;& uÕska HSBC Premier .sKqï ysñhd$ysñhka wm fj;ska

b,a,d isák fyda wm úiska .sKqï ysñhd$ysñhkag imhkq ,nk nexl= fiajdjka" myiqlï iy

f;dr;=rej,g wod<j .sKqï ysñhd$ysñhkaf.a j.lSï iy ne`§ï meyeÈ<s flf¾'

by; lS zHSBCZ iy zHSBC Premier .sKqï ysñhd$ysñhkaZ ñka u;=jg iuyr wjia:djka ys §

taldnoaO f,i fuu .súiqfuys zmd¾YajlrejkaZ f,i o ;ks ;ks jYfhka fuu .súiqfuys

zmd¾YajhZ f,i o ye`Èkafjkq we;'

w¾:ksrEmk

fuu kS;sÍ;s yd fldkafoaisj, ;o meye;s f,dl= wl=frka olajd we;s fhÿï i`oyd" ikao¾Nh

úiska fjk;a wdldrhlska wjYH fkdflfrkafka kï" my; oelafjk w¾: mj;skq we;(

5

z.súiquZ hkafkka woyia jkafka" fuu .súiqfuys fldgila njg m;ajkq we;s" l,ska l,g

m<flfrk fiajdjka iemhSu i|yd jk hï w;sf¾l kS;sÍ;s iy fldkafoais o we;=<;aj" l,ska

l,g fuu .súiqfï kS;sÍ;sj,g wkql+,j ixfYdaOkh flfrk fuu kS;sÍ;s h'

z.sKqï ysñhd$ysñhkaZ ^zTnZ" zTfíZ" zTnf.aZ" z.kqfokqlre$lrejkaZ" zHSBC Premier .sKqï

ysñhd$ysñhkaZ hkqfjka o i`oyka fõ& hkafkka woyia jkafka HSBC ys uq,skau újD; lr

mj;ajdf.k hk ,o .sKqu újD; lsÍfï whÿïmf;ys kïlr we;s .sKqï ysñhd$ysñhka jk

w;r" ;ks mqoa., ;;a;ajfhka fyda yjq,a orkakl= jYfhka HSBC iuÕ .sKqula mj;ajdf.k

hkq ,nk hï ;ks mqoa.,hl= ^mqoa.,hska& thska woyia fõ'

z.sKqu ^.sKqï&Z hkafkka ;ks mqoa.,hska úiska orkq ,nkakd jQ o fvìÜ ldâm;la j,x.= f,i

l%shd;aul lsÍu i|yd iqÿiq njg HSBC úiska kïlr we;a;d jQ o b;=reï fyda cx.u .sKqï

woyia fõ'

zATMZ hkqfjka iajhxl%Sh fg,¾ hka;%hla woyia fõ' kS;sÍ;s iy fldkafoaisj,g wkqj

ldâm; Ndú; lsÍu uÕska l%shd;aul lrkq ,nk cd,hl fldgila ixhqla; lrkq ,nk

^ldâm; ksl=;alrk ,o rg ;=< fyda rfgka msg;& hï iudk hka;%hla" iajhxl%Sh fg,¾

hka;%hla hk fhÿug we;=<;a fõ'

zn,OdÍkaZ hkafkka HSBC iuQyfha hï fldgila u; wêlrK n,h mj;sk hï wêlrK"

mßmd,k" fyda kshduk wdh;khla" hï rdcH fyda fmdÿ fyda rcfha ksfhdað; wdh;khla

WmldÍ wdh;khla fyda wêldßhla" hï nÿ wêldßhla" wdrlaIl fyda jia;= yqjudre" wêlrK"

uy nexl= fyda kS;sh l%shd;aul lsÍfï wdh;khla fyda tys ksfhdað;fhl= woyia fõ'

znexl= ÈkhZ$zidudkH nexl= fõ,djkaZ iy zjevlrk Èk$mehZ hkafkka woyia jkafka

wm úiska fjk;a wdldrhlska olajd fkdue;s kï nexl=lrK$jevlrk Èk iy idudkH

nexl=lrK$jevlrk meh fõ'

zldâm;a ysñhdZ hkafkka HSBC iuÕ mj;ajdf.k hkq ,nk .sKqula u; HSBC úiska

fvìÜ ldâm;la iy$fyda ldâm;la^ldâm;a& ksl=;alr we;s hï ;eke;a;l= woyia fõ' ldâm;a

ysñhd mru .sKqï ysñhd fyda yjq,a .sKqï iïnkaOfhka jkúg" mru w;aikalre fyda ;ksj

l%shdlsÍu i|yd n,h ,nd ÿka ;eke;a;d úh hq;=h'

6

zwkql+,;d ne`oSuZ hkafkka HSBC ys ´kEu idudðlfhl= úiska(

(a) wod< hï foaYSh fyda úfoaYSh kS;shla" fr.=,dishla" wd{d mk;la" Í;shla" kvq ;Skaÿjla"

;Skaÿ m%ldYhla" iafõÉPd wdpdrO¾u moaO;shla" kshuhla" wkque;s frÔuhla" wêlrK

;Skaÿjla" HSBC iuQyfha hï idudðlfhl= yd hï wêldßhla w;r we;s .súiqula" fyda

HSBC fyda HSBC iuQyfha hï idudðlfhl=g wod< jk n,OdÍka w;r mj;sk hï

.súiqula fyda iïuq;shla ^zkS;sZ&" fyda cd;Hka;r uÕfmkajqula yd wNHka;r m%;sm;a;s

fyda ld¾hmámdá"

(b) wêldÍka fj;ska ,efnk hï ̂ j,x.=& b,a,Sula fyda jd¾;d lsÍfï" kshduk fj<`o jd¾;d

lsÍfï" fy<sorõ lsÍfï fyda kS;s hgf;a mj;sk fjk;a hï ne`oSula" iy

(c) wmf.a .kqfokqlrejkaf.a wkkH;dj ;yjqre lr.ekSu i`oyd HSBC fj; kshu

flfrk kS;sj,g wkql+,j l%shd lsÍug HSBC iuQyfha hï idudðlfhl=f.a ne`oSula

flfrys wkql+,;dj oelaùfï j.lSï woyia fõ'

zryiH f;dr;=reZ hkafkka fy<sorõ lrk wjia:dfõ oS ryiH f,i .kqfokqlrefjl= úiska

kshulr we;s fyda idOdrK mqoa.,fhl= úiska ryiH" fmdÿ fkdjk fyda iajNdjfhka

ysñldß;ajhla iys; f,ig i,lkq we;s hï f;dr;=rla woyia fõ'

ziïnkaê; ;eke;af;l=Z hkafkka .kqfokqlrefjl= úiska fyda fjkqfjka hï ;eke;af;l=

iïnkaOfhka HSBC iuQyfha idudðlfhl= fj; f;dr;=re ̂ fm!oa.,sl o;a; fyda nÿ f;dr;=re

we;=¿j& imhkafka o ke;fyd;a fiajdjkaf.a m%;smdok yd iïnkaOfhka fjk;a hï

wdldrhlska HSBC iuQyfha idudðlfhl= fj; f;dr;=re ,efnkafka o ta ;eke;a;d fyda

wdh;kh woyia fõ' .kqfokqlrejd iïnkaOfhka iïnkaê; ;eke;a;d hkakg hï

^.kqfokqlrejdf.a& wemlrefjl=" iud.ul wOHlaIjrfhl= fyda ks,Odßfhl=" yjq,a jHdmdrhl

yjq,alrefjl= fyda idudðlfhl=" hï zm%udKd;aul ysñlrefjl=Z" zmd,l mqoa.,fhl=Z fyda

w¾:,dNS ysñlrefjl=" Ndrhl hï Ndrlrefjl=" odhlfhl= fyda wdrlaIlfhl=" hï kshu l<

.sKqul .sKqï ysñfhl=" hï kshu l< f.ùul f.ùï ,nkafkl=" .kqfokqlre ksfhdackh

lrkafkl=" ksfhdað;fhl= fyda kdñlfhl= fyda" HSBC iuQyh iu`. mj;sk ish nexl=lrK

in`o;djlg wod< jk .kqfokqlre yd iïnkaOhla mj;sk fjk;a hï mqoa.,fhl= fyda

wdh;khla fyda we;=<;a úh yels kuq;a" Bg iSud fkdfõ'

7

zmd,l mqoa.,hkaZ ^idudkHfhka& hkafkka hï wdh;khla u; md,kh mj;ajdf.k hk ;ks

mqoa.,hka ^Ndrhla iïnkaOfhka kï fuu ;eke;a;ka jkafka odhlhd" Ndrlrejka"

wdrlaIlhd" w¾:,dNSka fyda w¾:,dNS ldKavh iy Ndrh u; wjidk iM, md,kh l%shd;aul

lrk fjk;a hï mqoa.,fhl= we;=<;a jk w;r" Ndrhla yer fjk;a hï ffk;sl wdh;khla

iïnkaOfhka Bg iudk ;k;=re fyda md,kh ork mqoa.,hka& woyia fõ'

zmdßfNda.sl f;dr;=reZ hkafkka mqoa.,sl o;a;" ryiH f;dr;=re iy$fyda .kqfokqlref.a

fyda iïnkaê; ;eke;af;l=f.a nÿ f;dr;=re ̂ Bg wod< m%ldYk" w;yeÍï yd leue;a; m<lsÍï

o we;=<;aj& woyia fõ'

zfvìÜ ldâm;$ldâm;aZ hkafkka HSBC úiska WÑ; mßÈ" hï ldâm;a ysñhl= fj;

ksl=;alrk ,o foaYSh$cd;Hka;r jYfhka j,x.= fvìÜ ldâm;la iy$fyda fl%äÜ ldâm;la

iy$fyda ATM ldâm;la ^ldâm;a& woyia fõ'

‘ESPM/s’ hkafkka nexl=fõ EasyPay hka;% woyia fõ'

zúfYaIdx.Z hkafkka fY%aKshla hgf;a iy$fyda ta iïnkaOfhka .sKqï ysñhl= úiska N=la;s

ú£u i|yd wjia:dj ,efnk hï fiajd" m%odk" m%;s,dN" jrm%ido iy ta yd iudk fjk;a oE

woyia fõ'

zuQ,H wmrdOZ hkafkka uqo,a úY=oaêlrKh" ;%ia;jdohg uqo,a iemhSu" w,a,ia" ¥IK" nÿ

uÕyeÍï" jxpd" wd¾Ól fyda fj<`o iïndOl uÕyeÍï iy$fyda fuu ldrKdj,g wod<j we;s

hï kS;s fyda fr.=,dis lvlsÍï fyda uÕyeÍug fyda lvlsÍug W;aidy lsÍï woyia fõ'

‘HSBC’ ^znexl=jZ" zwmZ" zwmsz" zwmf.aZ hkqfjka o ye`Èkafjk& hkafkka fydxfldx SAR kS;s

uÕska iy kS;s hgf;a h:dmßÈ ixia:d.; lr we;s nexl= ixia:djla jQo" iajlSh ,shdmÈxÑ

ld¾hd,h wxl 1 laùkaia mdr" fikag%,a" fydxfldx hk ia:dkfha msysgd we;a;djQo fld<U 01"

Y%Su;a ndfrdka ch;s,l udjf;a wxl 24 ork ia:dkfha iy Y%S ,xld m%cd;dka;%sl iudcjd§

ckrcfha fjk;a ia:dkj, YdLd msysgd we;a;d jQ o ckrcfha iajlSh jHdmdr lghq;= lrf.k

hkq ,nkakd jQ o ^"HSBC" fyj;a nexl=j" hkqfjka y÷kajkq ,nk nexl=j iy iajlSh

wkqm%dma;slhka iy mejreï ,dNSkao we;=<;ajk& o fydxfldx wekaâ Iexyhs nEkalska

fldamf¾Ika ,sñgâ hk wdh;kh woyia fõ'

8

zHSBC iuQyhZ hkafkka woyia jkafka HSBC fyda,aäx mSt,aiS iy$fyda tys hï idudðl

wdh;khla" Wm iud.ula" iïnkaê; wdh;khla iy tajdfhys hï YdLdjla yd ld¾hd,hla

jk w;r" zHSBC iuQyfha hï idudðlfhl=Z hkak o tu woyi u orkq we;'

zf;dr;=reZ hkafkka woyia jkafka wm úiska fyda hï f;dr;=re imhkafkl= úiska fyda

imhk ,o iy .sKqï ysñhd$ysñhka fj; ,efnkakg i,iajk ,o uQ,H" fj<|fmd, fyda

fjk;a f;dr;=re iy o;a; h'

‘HSBC .af,dan,a úõ’ hkq HSBC fyda,aäxia mSt,aiS iy f,dj mqrd msysá tys wkqnoaê; wdh;k

úiska imhkq ,nk fiajdjls' .sKqï ysñhd yg HSBC wka;¾cd, fjí wvúhlg iïnkaO j"

oel n,d .ekSug fyda .sKqï ysñhdf.a HSBC .sKqï mj;akd f,dj ´kEu tla rgl §" iyh

we;s cx.u Wmdx.hla yryd HSBC wka;¾cd, fjí wvúhla fj; m%fõY jQ wjia:dj, § muKla

oel n,d .ekSug iy tlS rfÜ HSBC mqoa.,sl wka;¾cd, nexl=lrKh yryd iy" Tyq úiska

mj;ajdf.k hkq ,nk HSBC .sKqï fj; fjk;a ´kEu rgl HSBC mqoa.,sl wka;¾cd,

nexl=lrKh yryd msúiSfï yelshdj fuu fiajdj u.ska ,ndfoa' fuu fiajdj ish¨ rgj,§

,nd.; fkdyels w;r" ish¨ rgj,§ cx.u Wmdx. yryd Bg m%fõYùfï yelshdj o fkdue;'

zwdh;khZ hkafkka woyia jkafka wod< mßÈ iduQyslj fyda ;ksj fuu .súiqfï wruqKq i|yd

wdh;khla f,i ie,lsh hq;= njg .sKqï ysñhd$ysñhka úiska HSBC fj; ±kqï § we;s ´kEu

f;jk md¾Yajhl uQ,H wdh;khls'

zWmfoiaZ hkafkka woyia jkafka .sKqï ysñhd$ysñhka fj;ska HSBC fj; ,efnk ksis f,i

n,h,;a ,sÅ; b,a,Sï fyda Wmfoia h'

zcd;Hka;r .kqfokqZ hkafkka Y%S ,xldfjka msg; HSBC YdLdj,ska ldâm;a ysñhd úiska

isÿlrkq ,nk ish¨ .kqfokq woyia fõ'

zydkshZ hkafkka ljr wdldrhlska fyda .Kkh flfrk fyda isÿjk hï wheoSula" whlsÍula"

msßjehla ^kS;suh fyda fjk;a jD;a;Suh .dia;= o we;=<;a j kuq;a" Bg iSud fkdù& ydkshla"

Khla" úhoula" nÿ uqo,la" j.lSula" ne`oSula" fpdaokdjla" kvqjla" kvqlrhla" b,a,Sula" kvq

ksñ;a;la" kvq lghq;a;la fyda kvq ;Skaÿjla" th iDcq fyda jl%" wdkqIx.sl" oKavkSh fyda

wjia:dkql+, jqjo" woyia fõ'

9

zfj<| wdh;kZ hkafkka fvìÜ ldâm; ms<s.kq ,nk ´kEu ia:dkhl msysgd we;s fj<|

wdh;k woyiajk w;r" fjk;a ia:dk w;r thg HSBC fyda VISA International úiska m%pdrh

,nd § we;s .nvd" idmamq" wjkay,a" .=jkafiajd ixúOdk hkdÈh we;=<;a fõ'

zuqrmohZ hkafkka woyia jkafka fvìÜ ldâm; iy$fyda ldâm;a Ndú;fha § Wmfoiaj,g

m%fõYùu fyda l%shd;aul lrùu i|yd fyda ÿrl:k nexl=lrKh" PIB yryd .kqfokq isÿlsÍug

Wmfhda.S lr.kq ,nk" ieliQ ryis.; jpkhla" fhÿula" wlaIrdxlhkaf.ka iukaú; wxlhla

fõ'

zfm!oa.,sl o;a;Z hkafkka hï ;eke;af;l=g ^iy o;a; fm!oa.,sl;aj kS;s jdKsc

wdh;kj,g o wod< jk rgj, jdKsc wdh;kj,g& wod< jk tu ;eke;a;d y`oqkd.ekSug

yelsjk wdldrfha" ixfõoS fm!oa.,sl o;a;" ku^kï&" fkajdisl ,smskh^,smsk&" iïnkaOùfï

f;dr;=re" jhi" Wmka Èkh" Wmka ia:dkh" cd;sl;ajh" mqrjeis Ndjh" fm!oa.,sl yd ffjjdysl

;;a;ajh o we;=<;aj" Bg iSud fkdù" ´kEu o;a;hla woyia fõ'

zfm!oa.,sl wka;¾cd, nexl=lrKh (PIB)Z hkafkka woyia jkafka" HSBC ys .sKqï

ysñhd$ysñhkAg Wmfoiaj,g m%fõYùug fyda l%shd;aul lrùug fyda .kqfokq isÿlsÍug fyda

HSBC ys ks, fjí wvúh yryd ,nd.; yels cd, ud¾.hlss'

zuQ,sl .sKquZ hkafkka fvìÜ ldâm;g iïnkaOlr we;s nyqúO .sKqï iïnkaOfhka jk úg

WodyrKhla jYfhka ñ,§ .ekSï" .kqfokq" fvìÜ ldâm;g wod< .dia;= iy whlsÍï yrlrkq

,eìh hq;= .sKqu jkakd jQ m%Odk$m<uq l%shd;aul .sKqu jYfhka kï lr we;s .sKqu woyia

fõ'

zfiajdjkaZ hkafkka (a) .kqfokqlref.a nexl= .sKqï újD; lsÍu" mj;ajdf.k hdu yd jid

oeóu (b) Kh myiqlï yd fjk;a nexl=lrK ie,iqï yd fiajdjka .kqfokqlreg iemhSu

^WodyrK f,i" jia;=Ndr .kqfokq" wdfhdack Wmfoia" w;rueÈ fiajd" ksfhdað; fiajd"

Ndrldr;aj" ksIaldYk fyda ;dlaIKh ,nd.ekSfï fiajdjka o we;=<;a j&" whÿïm;a ieliqu"

w;sf¾l Kh ;lafiare yd ksIamdok iqÿiqlï ;lafiare iy (c) uQ,H fiajd fyda Bg iïnkaO

ie,iqï .kqfokqlre fj; wf,úlrKh fyda m%j¾Okh" wf,ú iólaIK" rlaIKh" ú.Kkh

10

yd mßmd,k wruqKq o we;=<;aj .kqfokqlrejd iu`. HSBC ys iuia; iïnkaO;dj

mj;ajdf.k hdu" Bg iSud fkdù" woyia fõ'

zm%ldYkZ hkafkka woyia jkafka HSBC úiska .sKqï ysñhd$ysñhkag fok ,o hï ld,iSudjla

;=< .sKqu yryd isÿlrk ,o .kqfokq ̂ fvìÜ ldâm;a .kqfokq we;=¿j& ms<sn`oj iy tu .sKqfï

fYaIh i`oyka lrñka tjkq ,nk jdr m%ldYkhls' HSBC nexl=j úiska we;=<;a lsÍu iqÿiq

hehs i,lk fjk;a f;dr;=re o tys we;=<;a úh yelsh'

zm%dudKsl ysñlrejkaZ hkafkka woyia jkafka hï wdh;khl ,dNfhka 10]l g jvd ysñlï

ork fyda iDcqj fyda jl% j 10]l g jvd whs;sh ,nk ;eke;af;l= fõ'

znÿ wêldÍkaZ hkafkka woyia jkafka foaYSh fyda úfoaYSh nÿ" wdodhï" *sial,a fyda uQ,H

wêldÍka h'

znÿ f;dr;=reZ hkafkka .kqfokqlrefjl=f.a ^tu .kqfokqlre mqoa.,fhl= fyda ,dN

fkd,nk fyda fjk;a jdKsc wdh;khla jk jHdmdrhla jqjo" ta nj fkdi,ld& iy idOdrKj

l%shdlsÍfï oS hï nÿ wêldßhla fj; we;s hï HSBC iuQy idudðlfhl=f.a ne`oSïj,g

wkql+,j l%shdlsÍu wjYH hehs HSBC úiska i,lkq ,nk hï ysñlrefjl= zmd,l mqoa.,fhl=Z

zm%dudKsl ysñlrefjl=Z fyda .kqfokqlrefjl=f.a w¾:,dNS ysñlrefjl= f.a nÿ ;;a;ajhg

iDcqj fyda jl%j wod< jk hï f,aLkhla fyda f;dr;=rla woyia fõ' znÿ f;dr;=rZ hkakg

nÿ fkajdisl;ajh iy$fyda wdh;kfha ia:dkh ^wod< mßos&" nÿ jdih" nÿ y`ÿkd.ekSfï wxlh"

nÿ iy;sl lsÍfï wdlD;sm;%" {ku^kï&" fkajdisl ,smskh^,smsk&" jhi" Wmka Èkh" Wmka

ia:dkh" cd;sl;ajh yd mqrjeis Ndjh o we;=<;a j} wd§ fm!oa.,sl o;a; ms<sn`o f;dr;=re

we;=<;a jk kuq;a Bg iSud fkdfõ'

znÿ iy;sl lsÍfï wdlD;sm;%Z hkafkka .sKqï ysñfhl=f.a fyda wdh;khl iïnkaê;

mqoa.,fhl=f.a nÿ ;;a;ajh ;yjqre lsÍu i`oyd nÿ wêldÍka fyda HSBC úiska l,ska l,g

ksl=;a lrk fyda kshu lrk ´kEu wdlD;s m;%hla fyda f,aLkhla woyia fõ' taljpk

iïnkaO ish¨ i|yka lsÍï uÕska nyqjpk o ^m%;sf,dau jYfhka& we;=<;a jkafka h'

11

zkS;sÍ;sZ hkafkka woyia jkafka fuu .súiqu md,kh jk kS;sÍ;s iy fldkafoais" hï

uqla;sm%ldY" wka;¾cd, fm!oa.,sl;ajh ms<sn| m%ldYk" u.fmkajqï jk w;r" thg" l,ska l,g

ixfYdaOkh flfrk mßÈ wm úiska .sKqï ysñhd$ysñhka fj; ±kqï fok hï w;sf¾l kS;sÍ;s

o we;=<;a jk w;r" Bg iSud fkdfõ'

zfY%aKshz hkafkka HSBC Premier .sKqula iïnkaOfhka nexl=j úiska .sKqï ysñhl= fj;

kï lrk ,o iy m%odkh lrk ,o fY%aKshla hgf;a iy$fyda Bg wod<j .sKqï ysñhd yg N=la;s

ú£ug ,efnk lsishï úfYaIdx.hka woyia fõ'

z.kqfokq$jZ hkafkka ^WodyrK jYfhka uqo,a wdmiq .ekSï" wf,ú uOHia:dkj, § lrkq

,nk f.ùï" uqo,a$fplam;a ;ekam;= hkd§ .kqfokq& .sKqu iïnkaO wjir,;a l%shdldrlï

isÿlsÍu i|yd HSBC fj; iDcqj fyda jl%j fvìÜ ldâm; iy$fyda ldâm;a Ndú;h uÕska

.sKqï ysñhl= úiska fokq ,nk hï wjir,;a Wmfoia woyia fõ'

‘VISA’ hkafkka VISA International úiska ika;lh orkq ,nk ,l=Kla woyia fõ'

zVISA ATM cd,hZ hkafkka fvìÜ ldâm;a ms<s.kq ,nk iy VISA fyda bf,lafg%dka

ixfla; m%o¾Ykh lrkq ,nk ATM hka;% woyia fõ'

zTnZ" zTnf.aZ" zTyqgZ" fyda iudk i¾j kdumo Ndú;h uÕska tfia ms<s.kq ,nk wjia:dj, §

WÑ; f,i .sKqï ysñhd fyda ldâm;a ysñhd woyia lrkq ,eìh hq;=h' mqreI ,sx. jpk i|yd

jQ ish¨ i|yka lsÍï uÕska ia;%S ,sx. jpk o we;=<;a jkafka h'

12

ye|skaùu

.sKqï ysñhd fj; ,ndfok fyda .sKqï ysñhdf.a b,a,Su wkqj .sKqï ysñhdg ,nd§ug kshñ;

HSBC Premier .sKqï meflach ^—meflach˜& Ndú; lsÍu md,kh lrkq ,nk my; oelafjk

kS;sÍ;s yd fldkafoais uÕska ne£ isàug HSBC Premier .sKqï meflachla orkakl= úiska

tl`.j isákq ,efí;

(i) HSBC iuÕ .sKqï ysñhd úiska l,ska l, újD; lrkq ,nk iy$fyda mj;ajdf.k

hkq ,nk foaYSh iy$fyda úfoaYSh jHjydr uqo,ska jQ ^iEu tla tla .sKqula u" zHSBC

Premier .sKqu’" hkqfjka i|yka lrkq ,nk& ish¨ cx.u" b;=reï iy ld, ;ekam;=

.sKqu$.sKqï¦ iy$fyda

(ii) nexl=j úiska l,ska l, kshu lrkq ,nk hï Kh iSudj,g hg;aj" whsrd myiqlï¦

iy$fyda

(iii) HSBC Premier fl%äÜ ldâm; jkakd jQ fl%äÜ ldâm;a tlla fyda jeä.Kkla"

HSBC Premier fvìÜ ldâm; fyda fjk;a ´kEu ldâm;la ^iduqyslj zldâm;Z

hkqfjka by;ska y÷kajd we;s& meflacfha fldgila jYfhka nexl=j úiska ksl=;a

lrkq ,eìh yels fjk;a hï ldâm;la" iy$fyda ÿrl:k nexl=lrK fiajh¦ iy$fyda

(iv) nexl=j úiska wkqu; lrk ,o mqoa.,sl jdßl Kh" mqoa.,sl Khjr" mqoa.,sl wdrlaIs;

Kh¦ iy$fyda

(v) HSBC Premier f.da,Sh fiajd

(vi) nexl=j úiska l,ska l, m%odkh lrkq ,eìh yels iy meflacfha fldgila jYfhka

we;=<;a lrkq ,eìh yels fjk;a hï myiqlï iy fiajd'

13

we;=<;aùu i|yd fhda.H;dj

meflachlaa újD; lrkq ,eìh yelsjkafka;

1.

my; i|yka fldkafoais imqrd,kq ,nkakd jQ Y%S ,dxlslhska" fkajdisl ùid n,m;% u; Y%S

,dxlsl fkajdislhska jk úcd;slhska fyda wfkajdisl Y%S ,dxlslhska úiska;

.sKqï ysñhd úiska ^úfoaY jHjydr uqo,aj,ska$foaYSh jHjydr uqo,aj,ska jQ& cx.u" b;=reï fyda

ld, ;ekam;=$weu;=ï ;ekam;= .sKqï wdldrfhka re'7"500"000$- fyda t'c'fvd' 75"000$- fyda hï

wkqu; úfoaY jHjydr uqo,aj,ska Bg iudk uqo,la blaujk udisl idudkH Kh fYaIhla

mj;ajdf.k hd hq;=h' ^fl%äÜ ldâm;a iSudjka" Kh iSud$ys`. whsrd myiqlï óg we;=<;a

fkdfõ&' .sKqï ysñhd úiska ;ks iy yjq,a hk .sKqï fol u mj;ajdf.k hk wjia:djl §

iy meflach hgf;a tlS ish¨ .sKqï mßj¾;kh lsÍu i|yd wfmalaId lrkq ,nk wjia:djl

§" ;ks .sKqï ysñhl= fuka u yjq,a .sKqï ysñhl= jYfhka re'7"500"000$- jQ wju ner fYaIhla

^—iuia; in|;d fYaIh˜ - Total Relationship Balance -TRB) mj;ajdf.k hd hq;=h'

j;auka HSBC Premier .kqfokqlrejl= jk uj$mshd$Ndrlrejl= isák jhi wjqreÿ 18 iy 28

^tlS jhia fol o we;=¿j& w;r miqjk .sKqï ysñhl= yg" Tyq$ weh úiska jhi wjqreÿ 28

iïmQ¾K lrk f;la nexl=fõ “HSBC Premier Next Gen”.kqfokqlrejl= njg m;aúh yelsh'

by;ska meyeos,s lr we;s wdldrhg" meflach N=la;s ú|Su i|yd “HSBC Premier Next Gen”

.kqfokqlrejka úiska iuia; in|;d fYaIh mj;ajdf.k hdfï wjYH;dj imqrd,sh hq;= ke;'

“HSBC Premier Next Gen” .sKqï muKla ;ksj mj;ajdf.k hd fkdyel' ;u uj $ mshd $

Ndrlre" HSBC Premier .kqfokqlrejl=j isák ;dla l,a Tjqkag meflach N=la;s ú|sh yels

w;r" tfia fkdjk wjia:djla we;s jqjfyd;a" “HSBC Premier Next Gen” .kqfokqlre fj;

,sÅ;j" osk ;sy ^30&l mQ¾j oekqïoSula iys;j" “HSBC Premier Next Gen” .sKqu idudkH

ldKavfha .sKqï $ .kqfokqlrejka f,ig fY%AKsh my< oeóula isÿ lrkq we;s w;r" tjeks

.sKqï" nexl=fõ idudkH .sKqï md,kh flfrk kS;sÍ;s iy fldkafoais u.ska md,kh jkq we;s

w;r" talS kS;sÍ;s iy fldkafoais j, msgm;a nexl=fõ fjí wvúh jk www.hsbc.lk fj;ska

,nd.; yelsh'

14

1.1 by; wju iuia; in|;d fYaI (TRB) wjYH;dj jk re'7"500"000$- <Õd lr.ksñka

meflachg we;=<;aùfuka miq" .kqfokqlre úiska my; oelafjk tla wjYH;djla

f;dardf.k th imqrd,kq we;(

1.1 (a) re'7"500"000$-l TRB uqo,la ;ekam;a lr mj;ajdf.k hdu"

1.1 (b) re'500"000$-l wju udisl fõ;khla fm%aIKh lr" udi 24la we;=<; re'7"500"000$-la

olajd TRB uqo, f.dvke.Su

1.2 by; j.ka;s 1.1.(a) fyda 1.1.(b) ys olajd we;s wjYH;dj .sKqï ysñhd úiska mj;ajdf.k

fkdue;s wjia:djl" nexl=j úiska ;SrKh lrkq ,nk mßÈ fYaIh my; jeàfï .dia;=jla

udislj .sKqug ^—fYaIh my; jeàfï .dia;=j˜ (“Below Balance Fee” or BBF) nexl=j

úiska wh flfrkq we;' wod< udih fjkqfjka wjYH iqÿiqlï imqrd fkdue;s .sKqug

BBF yr flfrkqfha B<Õ wkqm%dma;Sh udifha § h'

1.3 1.1.(b) j.ka;sfhys olajd we;s wod< fYaIh f.dvke.Sfï ld,fhka miqj re'7"500"000$- l

udisl TRB uqo,la .sKqï ysñhd úiska mj;ajdf.k fkdue;s wjia:djl§" BBF uqo, f.ùu

u.ska .sKqï ysñhd yg udi ;=k ̂ 03&l ld,hla bÈßhg Premier ;;a;ajh mj;ajdf.k hdfï

yelshdj ,efí'

1.4 by; j.ka;s 1.1.(a) fyda 1.1.(b) ys olajd we;s wjYH;djka tl È.g udi ;=kl ld,hla

.sKqï ysñhd úiska mj;ajdf.k fkdhk wjia:djl §" HSBC Premier meflacfha isg

idudkH nexl=lrK .sKqula olajd .sKqï ysñhdf.a ;;a;ajh yerùu fmr oekqï§ula iys;j

isÿ flfrkq we;s w;r" HSBC Premier meflachla u.ska .sKqï ysñhd úiska N=la;s ú¢k ,o

ish¨ jrm%ido tlS oekqï§fuka miq wjika flfrkq we;' ta wkqj" mj;akd ldâm;a"

idudkH ldKavfha .sKqï olajd fY%aKsfhka my; fy<kq we;s w;r" nexl=fõ idudkH

nexl=lrK ldKavfha .kqfokqlrejka fj; wod< jk mj;akd whlsÍïj,g wkqj wh

flfrkq we;'

1.5 by; j.ka;s 1.1.(a) ys olajd we;s we;=<;aùfï wjYH;d yryd" yjq,a .sKqï ysñhka yg

Premier meflachg we;=<;aùfï yelshdj we;'

15

2.

HSBC Premier .sKqï ysñhka úiska remsh,a cx.u .sKqula fyda remsh,a b;=reï .sKqula wdrïN

lsÍu wksjd¾h fõ' [^cd;sl ye÷kqïm; fyda úfoaY .uka n,m;%h jeks& nexl=jg ms<s.; yels

y÷kd.ekSfï f,aLkhla uÕska wkkH;djh ;yjqre lr.ekSfuka miqj] iy nexl=j úiska

ms<s.kq ,eìh yels wdldrhg fiajdfhdaclhdf.ka ,nd.;a y÷kajd§fï ,smshla bÈßm;a lsÍu

uÕska fyda nexl=jg ms<s.; yels hï j¾;udk cx.u .sKqï ysñhl= úiska y÷kajd§fuka miqj

fyda wfmalaIs; .kqfokqlre úiska cx.u .sKqula mj;ajdf.k hkq ,nk wjia:djl § jdKsc

nexl=jlska fhduqlsÍfï ,smshla bÈßm;a lsÍfuka miqj cx.u .sKqula újD; lrkq ,eìh yelsh'

nexl=j úiska .kqfokqlref.a wkkH;djh iy ia:djrh ms<sn| iEySug m;afõ kï" nexl=j

úiska iajlSh wNsu;h mßÈ y÷kajd§fï wjYH;dj w;ayßkq ,eìh yelsh'

uekafâg m;%h

3.

meflach tla ;eke;a;l=g jeä fofkl=f.a kïj,ska mj;sk wjia:djl§" túg¦

(a) fuu kS;sÍ;s iy fldkafoaisj, ld¾h i|yd tu tla tla ;eke;a;d .sKqï ysñhd f,i

i,lkq ,eìh hq;=h"

(b) meflach ;=< ;ks mqoa., .sKqïj,g wod<j yjq,a .sKqï úOdkfha l=ula i|yka jqjo"

th fkdi,ld lsisu ndOdjlska f;drj hï yjq,a .sKqï ysñhl= úiska w;aikalr

n,d;aul lrk ,o ish¨ fplam;a" ÿrl:k" Wmfoia" úOdk" fjk;a idOk m;% iy

.kqfokq tla tla yjq,a .sKqï ysñhd úiska ms<s.ekSu i|yd tu tla tla yjq,a .sKqï

ysñhka úiska nexl=j fj; fuhska n,h mjrkq ,efí"

(c) fï hgf;a jQ meflach iïnkaO yjq,a .sKqï ysñhdf.a ^.sKqï ysñhkaf.a& ne£u

taldnoaOj iy fjka fjka jYfhka jqjo" tla yjq,a .sKqï ysñhl=f.a b,a,Su mßÈ

nexl=j úiska iajlSh wNsu;h mßÈ whsrd myiqlula iy fjk;a hï myiqlula m%odkh

lsÍu ms<sn|j tl`.;dj ,ndÈh yelsh"

(d) yjq,a .sKqï ysñhka tla whl= fyda jeäfofkl= fjkqfjka tl;=lrk ,o whs;u

nexl=j úiska HSBC Premier .sKqulg nerlrkq ,eìh yelsh"

16

(e) hï yjq,a .sKqul md¾Yajhla ñh.shfyd;a" túg Ôj;aj isák ;eke;a;d $;eke;a;ka

úiska ñh.sh Èkh iy urK iy;slh o we;=¿j kuq;a Bg iSud fkdù wod< f,aLk

o" wod< mßÈ iy nexl=j úiska b,a,d isák mßÈ ,ndfoñka" jydu ta ms<sn|j nexl=j

fj; oekqïÈh hq;=h' yjq,a .sKqul tla wfhl=f.a urKh isÿ jQ wjia:djl" yjq,a

kduhka hgf;a mj;sk ´kEu .sKqu^.sKqï&l yjq,a kduhka hgf;a nerg mj;sk iy

nexl=j úiska r|jdf.k f.k we;s ish¨ wdrCIK" Tmamq" nyd¨ iy md¾i, iy

tajdfhys wvx.= oE iy fjk;a ´kEu foam,la iïnkaOfhka Ôj;ajk wh fyda ^tla

wfhl=g jeä kï& Ôj;ajk whj¨ka fj; nexl=j úiska ish f.ùï fyda fnodyeÍï

ms<sfj,ska isÿ lrkq we;' yjq,a .sKqul .sKqï ysñhkaf.ka tla wfhl= fyda lsisjl=

fyda ñh.sh njg oekqï§u ,enqKq jydu" tlS ñh.sh whg wh;a .sKqu fyda .sKqï

iïnkaOfhka nexl=j úiska Ôj;aj isák ;eke;a;d fyda ;eke;a;ka fj; lrkq ,nk

f.ùï fyda fnodyeÍï fyda iïnkaOfhka nexl=fjys mQ¾K j.lSu bgq lrkq we;s njg

tla tla yjq,a .sKqï ysñhd úiska tlÕ fõ'

(f) tla yjq,a .sKqï ysñhl=g ,ndfok ,o ksfõokhla ish¨ yjq,a .sKqï ysñhka fj;

,ndÿka m%udKj;a ksfõokhla f,i i,lkq ,eìh hq;=h"

(g) hï yjq,a .sKqï ysñhl=f.a Wmfoia wkqj l%shdlsÍug fmrd;=j nexl=j fj; ;j;a yjq,a

.sKqï ysñhkaf.ka mriamr úfrdaë Wmfoia ,efnk wjia:djl §" m<uqj ,enqKq

Wmfoia wkqj nexl=j l%shd lrkq ,eìh hq;=h' fuu ld¾h i|yd f;dr;=re ,eîu

hkqfjka tu Wmfoia u; nexl=j úiska m<uqj mshjr .ekSu woyiajk w;r" hï

iajhxl%Sh fg,¾ hka;%hla (ATM) fyda fjk;a hï l%uhlska ,enqKq Wmfoia wkqj

jd¾;d jQ fõ,djla bka woyia fkdúh hq;=h'

;ekam;=

4.

nexl=j fj; fhduqlr fkdue;s úfoaY jHjydr uqo,a wKlr iy fjk;a f.ùï wKlr ñ,§

.ekSu fyda tl;= lsÍu i|yd heùu isÿlrkafkao keoao ms<sn|j ;SrKh lsÍu nexl=j úiska

iajlSh mru wNsu;h mßÈ isÿlrkq ,efí' f.ùï lsÍfï nexl=j úiska miqj w.re lsÍula

isÿlrkq ,nk wjia:djl § ñ,§ .kq ,enq ish¨ whs;u ms<sn| ^.dia;= o we;=¨j& lsisu

j.lSulg nexl=j ne£ fkdisáhs' tjeks w.reùfï ksfõokhla ,enqKq miqj HSBC Premier

.sKqug tu uqo, yrlrkq ,eìh hq;=h'

17

5.

(a) .sKqïj,g ner lrk fplam;a Ndr.kq ,nkafka tl;= lr.ekSu i`oyd muKla jk

w;r" f.jk nexl=j úiska ksYaldYkh lrk f;la uqo,a ,nd.ekSug fkdyels jkq

we;' wruqo,a ,nd.ekSug yels oskh olajd we;af;a o¾Ylhla f,i muKs' fuu

kS;sÍ;s yd fldkafoais fkd;ld" b;=reï .sKqï jk .sKqï fplam;a tl;=lr.ekSu yd

ksYaldYkh lsÍu i`oyd fhdod fkd.kakd w;r" fplam;a" ,dNdxY n,m;a" iy orkakd"

;ekam;alre fyda f;jk md¾Yajhla fj; f.úh hq;= jk fia ,shk ,o fjk;a f,aLk

;ekam;a lsÍu i`oyd Ndr.ekSu m%;slafIam lsÍug nexl=j whs;sh r`ojd .kshs'

(b) .sKqug ^.sKqïj,g& ;ekam;a lrk ,o iy nerlrk ,o remsh,a fplam;a ksYaldYkh

ùfuka miqj muKla uqo,a wdmiq ,nd.ekSu i|yd mj;skafkah' wruqo,a mj;sk Èkh

m%o¾Yk ld¾h i|yd muKla bÈßm;a lrkq ,efí' ksYaldYkh$Ndr.ekSu i|yd

;ekam;a lrk ,o fjk;a nexl= fj; fhduqlrk ,o remsh,a fplam;a Y%S ,xld

Tfgdafïgâ la,shrskaa yjqia (SLACH) wdh;kfha l,ska l, ixfYdaOkh lrkq ,nk

Í;sj,g hg;a jkafkah' fplam;a ,enqïldÍ nexl= úiska whlrkq ,nk hï fldñia

uqo,a nexl=fõ mru wNsu;h mßÈ whNdrhla we;sj fyda fkdue;sj cx.u .sKqï fj;

yrlrkq ,efí'

6.

úfoaY jHjydr uqo,a .sKqïj,g úfoaY jHjydr fkdaÜgq ;ekam;a lsÍfï § jHjydr fkdaÜgq iy

fg,s.%e*sla mejreï wkqmd; iy úksuh wkqmd; fjki ksidfjka tu fkdaÜgqj, jákdlu

wkqj wvqlsÍula isÿúh yelsh'

7.

nexl=j fj; ner lrk ,o wKlr$fplam;a .sKqul^.sKqïj,& nerg f.jkq ,nk wjia:djl

§ nexl=j úiska tys m%isoaO lrk ,o .dia;=j,g wkqj yeisrùfï .dia;= wvqlrkq ,efí'

8.

;ekam;= m;%sldjla j,x.= njg m;alsÍu uÕska fyda ;ekam;= m;%sldj u; nexl=fõ hï n,h,;a

ld¾h uKav, ks,Orhl= úiska iajlSh w;aik ;eîu uÕska ish¨ ;ekam;a lsßï ms<s.kq ,efí'

n,h,;a w;aika ,ehsia;=jla iy m¾hka; wdo¾Y fg,¾ hka;% uqøs;hla b,a,Sula lsÍfï§ fmkajd

isáh yelsh'

18

9.

tfia ;ekam;a lrk ,o fplam;a ^wod< fõ kï& uqo,a .kqfokqlref.a .sKqug nerlr we;akï

ñi" ^;djld,sl oekqï§ula ,nd§fï l=ula i|yka jqjo th fkd;ld& nexl= YdLdj, we;s

fplam;a nyd,Sfï fmÜáhg (ESPMs) iy$fyda ATM hka;%j, ;ekam;a lrk ,o njg lshkq

,nk fplam;a iïnkaOfhka nexl==j úiska .sKqï ysñhd fj; j.lshkq fkd,efí' nexl=

YdLdj, we;s fplam;a nyd,Sfï fmÜáh (ESPMs) uÕska iy$fyda ATM hka;%h uÕska

ksl=;alrk ,o ksfõokfha l=ula i|yka jqjo" tfia ;ekam;a lrk ,o fplam;a .sKqug nerù

we;akï ñi" lsisu wjia:dkq.; lreKla hgf;a fyda lsisu wdldrhl fya;=jla ksid tfia

fplam;a ;ekam;= fmÜáhg (ESPMs) /ATM hka;%j, ;ekam;alr we;s njg lshkq ,nk

fplam;a iïnkaO ysñlïmEula ms<sn|j nexl=j wjOdkh fhduq lrkq fkd,efí'

<ud b;=reï .sKqï

10.

(a) HSBC <ud b;=reï .sKqu ^.sKqu& nd,jhialre ^fuu fldgfiys wruqKq fjkqfjka

.sKqï ysñhd kñka ye¢kafjk& f.a kñka wrUkq ,nk w;r" .sKqfuys uqo,a ;ekam;a

lsÍu ´kEu wfhl= úiska isÿl< yels h'

(b) HSBC <ud b;=reï .sKqu újD; lsÍu i|yd jk wju uQ,sl ;ekam;=j .sKqu újD;

lrkq ,nk wjia:dfjys oS nexl=j úiska kshu lrk uQ,sl ;ekam;= uqo, jkq we;s

w;r" tu uqo, l,ska l,g fjkia lrkq ,eîug hg;a fõ'

(c) Wm;a ,shdmÈxÑ lsÍfï frðiag%d¾ úiska ksl=;a l< .sKqï ysñhdf.a Wmamekak

iy;slfha uq,a msgm; nexl=fõ mÍlaId lsÍu msKsi .sKqu újD; lrk wjia:dfjys oS

bÈßm;a l< hq;= fõ' nexl=j úiska ;u jd¾;d i`oyd tlS Wmamekak iy;slfha

Pdhdmsgm;la ;nd .kq we;'

(d) fuu .sKqug wod< jk fmd,S wkqmd;h mQ¾j oekqïoSulska f;drj fjkiaùug hg;a

fõ'

.sKqu iïnkaOfhka f.úh hq;= ´kEu fmd,S wkqmd;slhla Y%S ,xldj ;=< msysá

nexl=fõ YdLd iy$fyda nexl=fõ ks, fjí wvúh jk www.hsbc.lk ys m%o¾Ykh lsÍu

uÕska ldâm;a ysñhd$ysñhkag oekqï§ula ,nd§ula f,i w¾:ksrEmkh flfrkq we;'

19

(e) hï ksYaÑ; ld,iSudjla i`oyd .sKqfuys lrk ,o ish¨ .kqfokq wka;¾.; jk ld¾;=

.sKqï m%ldYkhla iemfhkq we;'

(f) .sKqï ysñhdf.a jhi wjqreÿ 18g m;aùfuka miqj" ^wju idudkH b;=reï .sKqï fYaI

wjYH;djg hg;aj&" .sKqï ysñhd úiska wjYH f,aLk iïmQ¾K lsÍfuka wk;=rej"

tu .sKqu idudkH b;=reï .sKqula njg m;aflfrkq we;' .sKqï ysñhd jhi wjqreÿ

18g m;aùfuka Èk 30la ;=< wjYH f,aLk nexl=j fj; iemhSu isÿ fkdjqjfyd;a

tjeks wjia:djl oS nexl=j úiska wod< .sKqu jid oukq we;s w;r" .ssKqï ysñhdf.a

kug nexl= wKlrhla ksl=;a lr" th nexl=fjys wjidkhg ,shdmÈxÑ lr we;s

,smskhg hefjkq we;'

(g) .sKqï ysñhd wYlakq;djhlska fmf<k wjia:djl oS .sKqfuys we;s uqo,a foudmshka"

ñ;a;Ksh fyda iShd fyda .sKqï ysñhd fjkqfjka .sKqu újD; l< fjk;a ́ kEu wfhl=

^—fjk;a ´kEu wfhl=̃ & fyda wêlrKh úiska m;a l< wfõlaIlfhl= fyda

Ndrlrefjl= fj; ,ndfokq we;' tjeks wjia:djl oS foudmshka$ñ;a;Ksh fyda iShd

fyda wêlrKh úiska m;a l< wfõlaIlfhl= fyda Ndrlrejd úiska w;aika l<

ßisÜm;la" tjeks hï foudmshl=$ñ;a;Ksh fyda iShd fyda wêlrKh úiska m;al<

Ndrlrefjl= fj; l< f.ùula i`oyd j,x.= yd m%udKj;a ;yjqre lsÍula jkq we;'&

fuu wruqK i`oyd .sKqï ysñhdf.a wYlakq;djh ms<sn`oj ksYaph lsÍfï iïmQ¾K

whs;sh nexl=j úiska r`ojd .kshs'

(h) .sKqï ysñhdf.a urKh isÿjQ wjia:djl oS .sKqfuys we;s uqo,a" Y%S ,xldfõ mj;akd"

wka;su leu;sm;% rys; wkqm%dma;sl kS;sj,g wkql+,j fnodyefrkq we;'

(i) .sKqu újD; lrkq ,en we;s .sKqï ysñhdf.a .sKqug ;ekam;a lrkq ,nk uqo,aj,

w¾:,dNshd jkq we;' tneúka" .sKqï ysñhd jhi wjqreÿ 18g m;a jk f;la .sKqfuka

uqo,a bj;a lr.ekSï$.sKqu jid oeóïj,g wjir fkd,efnkq we;' flfia jqjo"

nexl=fõ ;ks wNsu;h hgf;a muKla Wiia wOHdmkh" yÈis ffjoH m%;sldr fyda

ixl%uKh ùï jeks .sKqï ysñhdg m%;s,dNhla ie,fik fya;= i`oyd" foudmshka"

ñ;a;Ksh fyda iShd fyda fjk;a ´kEu wfhl= fyda wêlrKh úiska m;al<

wfõlaIlfhl= fyda Ndrlrejl= fyda" tu foudmshka" ñ;a;Ks fyda iShd fyda fjk;a

´kEu wfhl= Ôj;=ka w;r fkdue;s wjia:djl oS wêlrKh úiska m;al<

Ndrlrefjl= úiska lrk b,a,Sula u; uqo,a wdmiq .ekSï$.sKqu jidoeóïj,g wjir

fokq we;' tjeks hï uqo,a wdmiq .ekSula$.sKqu jid oeóula i`oyd lrk b,a,Sul

j,x.= Ndjh ksYaph lsÍfï ;ks whs;sh nexl=j i;= jk w;r" tu b,a,Su ;yjqre

20

lr.ekSu i`oyd f,aLk.; idlaIs b,a,d isàug yel' flfia fj;;a" lKsIaG Premier

fvìÜ ldâm;g wod< kS;sÍ;s iy fldkafoais hgf;a .sKqï ysñhd i;=j fvìÜ

ldâm;la we;s wjia:djl§" uqo,a wdmiq .ekSug wjir ,ndfokq we;'

(j) .sKqï ysñhd" foudmshka" ñ;a;Ksh fyda iShd fyda fjk;a ´kEu wfhl= fyda

wêlrKh úiska m;al< wfõlaIlfhl= fyda Ndrlrejl= fyda ^iuia;hla f,i

z.kqfokqlrejdZ& .sKqï m%ldYkj, msgm;a wdrlaId lr.ekSfï j.lSu orhs' nexl=j

fj;ska .sKqï m%ldYkj, msgm;a b,a,d isák wjia:djl oS m%ldYhg m;alr we;s

.dia;= ,ehsia;=jg wkql+,j fuu fiajdj iemhSu i`oyd nexl=j úiska .dia;=jla wh

lsÍug whs;sh r`ojd .kshs'

i. iEu m%ldYkhla u ,eîfuka miqj jydu ´kEu wjia:djl oS .sKqï ysñhd

fj; tlS m%ldYkh ,eî we;ehs ie,flk Èkfha isg ,s;a Èk ;sylg ^30&

fkdwvq ld,iSudjl oS ^Èk 30 iólaIKh& m%ldYkfhys oelafjk iEu

we;=<;a lsÍula u mÍlaId lr ;yjqre lsÍug o" ;ukaf.a u jd¾;d yd

ii`od ne,Sug o" hï jrola" uÕyeÍula" wl%ñl;djla jxpksl fyda wkjir

.kqfokqjla o we;=<;aj ^iuia;hla f,i —.sKqï wl%ñl;d˜& m%ldYkh

iïnkaOfhka .kqfokqlrejdg we;s fjk;a ´kEu úfrdaO;djhla

iïnkaOj jydu ,sÅ;j nexl=j fj; oekqïoSug .kqfokqlrejd tl`. fõ'

tu Èk ;sfya ̂ 30& iólaIK ld,h ;=< nexl=j fj; oekqïoSug .kqfokqlre

wiu;a jqjfyd;a m%ldYkfhys olajd we;s fYaIh iy .sKqï wl%ñl;d o

we;=<;a j ish¨u we;=<;a lsÍï ksjerÈ iïmQ¾K wjir,;a yd .kqfokqlre

u; nkaOkSh f,i ie,flkq we;s w;r" fuu j.ka;sh hgf;a oekqïoSula

isÿlr we;s .kqfokq iïnkaOfhka yer nexl=j wjidk m%ldYkfha Èkh

olajd isÿlr we;s ish¨ .kqfokq i`oyd ish¨ j.lSïj,ska nexl=j ksoyia

flfrkq we;'

ii. by; 10 (j)i j.ka;sh hgf;a ish ne`oSï bgqlsÍug .kqfokqlrejd wiu;a

jqjfyd;a" .kqfokqlre úiska ish .sKqug mdvqjla isÿlsÍug i,iajhs"

ke;fyd;a fkdlr yeÍula lrhs fyda odhl fjhs ^nexl=jg orkakg

iy$fyda ú`Èkakg isÿjk fyda nexl=jg tfrysj mekfjk nÿ whlsÍï ov

.dia;= fyda wvqùï ´kEu wdldrhl ydkshla& túg tjeks ydkshla

iïnkaOfhka nexl=j úiska .kqfokqlre fj; lsisÿ j.lSula fkdmj;sk

njg .kqfokqlre tl`. fjhs' fuu .súiqfuys kS;sÍ;s iy fldkafoais

uÕska kshu lr we;s wdldrhg wkql+,j ld,Sk wdldrhg m%ldYk

21

iólaIKh lr ne,Sug wiu;aùu uÕska" fuu .súiqug wkql+,j m%ldYkh

iólaIKh lf<a kï" hï jrola fyda w;yeÍula fidhd.; yelsj ;snQ

ld,hg miqj isÿjk hï ydkshl m%udKhg .sKqug ydkshla we;sùu isÿjk

nj fyda Bg odhljk njg ie,flk njg .kqfokqlre tl`. fjhs'

.kqfokqlre fj; mj;sk nexl=fõ Wmßu j.lSu" nexl=fõ yqÿ

fkdie,ls,a, fyda fÉ;kdkaú; wjl%shdldÍ;ajh fya;=fjka jroldÍ f,i

fyda jerÈ f,i .sKqfuka bj;alr.kakd ,o uQ,sl uqo,g we;sjk i;H

iDcq ydkshg iSudjk njg .kqfokqlre tl`. fjhs'

(k) hï jrolska nexl=j úiska .sKqug uqo,a ner lsÍula isÿjqjfyd;a ´kEu wjia:djl oS

tu we;=<;a lsÍu wdmyq yerùug fyda tu uqo, .kqfokqlref.ka b,a,d isàug

nexl=jg whs;sh mj;S'

(l) m%ldYk pl%fhka Èk 14la blau .sh miqj m%ldYkh fkd,enqkfyd;a nexl=j fj;

oekqïÈh hq;= fõ'

uqo,a wdmiq .ekSï

11.

mgyeksj ksYaÑ; Wmfoia fkdue;s wjia:djl§" l,amsÍfï Èkfha mej;s fmd,S wkqmd;slh wkqj

iudk ld,hla i|yd l,amsÍfuka miqj ld, ;ekam;= kej; w¨;a lrkq ,efí'

12.

ld, ;ekam;= wdmiq ,nd.; yelsjkafka l,amsÍu u; muKls' wruqo,a m%;s-wdfhdackhg

Wmfoia ,eî fkd;sîug hg;aj" hï ld, ;ekam;=jl l,amsÍfï uqo,a l,amsÍfï Èkhg miqj

jydu t<fUk jevlrk Èkfha § muKla ,nd.ekSug yelsh'

13.

flfia jqjo" .sKqï ysñhd$ysñhka úiska ksis f,i wjir ÿka ^nexl=j fj; ,nd ÿka uekafâÜ

m;%hg wkql+,j& ,sÅ; b,a,Sula u; nexl=j úiska tys ;ks wNsu;h mßÈ" l,amsÍug fmrd;=j

ld, ;ekam;=jla ksoyia l< yelsh' nexl=fõ ;ks wNsu;h mßÈ l,amsÍug fmr ksoyia lrk

,o ;ekam;=" nexl=fõ .dia;= f,aLkfha olajd we;s ov .dia;=j,g hg;a fõ'

22

14.

;j;a ;ekam;= iu`. taldnoaO lsÍu i`oyd mj;akd ld, ;ekam;=" l,amsÍug fmr wdmiq

,nd.ekSu iy$fyda fya;=jla u; ;ekam;= wdmiq ,nd.ekSula iy l,amsÍug fmr mj;sk

;ekam;= uqo, jeä lsÍu i`oyd kej; ;ekam;a lsÍu o nexl=fjys .dia;= f,aLkfha olajd we;s

mßÈ ov wh lsÍïj,g hg;a jkq we;'

15.

ld, ;ekam;=j,ska uqo,a wdmiq .ekSu yd fmd<S f.ùu iïnkaOfhka kshdulhska úiska iSudlsÍï

mekjqjfyd;a" tjeks iSudlsÍïj,ska .sKqï ysñhd$ysñhka ne`§ isákq we;'

fplam;a

16.

HSBC Premier cx.u .sKqï ysñhd$ysñhka fj; pqïnl ;Ska; wl=re y`ÿkd.ekSu iys; uqøKh

l< fplafmd;la$fmd;a imhkq we;' rcfha uqoaor .dia;= mj;S kï" tajd iy uqøK msßjeh

wdjrKh lr.ekSu i`oyd fuu fplafmd;a iemhSu i`oyd wod< .dia;= wh flfrkq we;' fulS

.dia;=" nexl=fõ .dia;= f,aLkfhka ,nd.; yelsh'

17.

nexl=j fj; ,ndfok ,o uekafâÜ m;%h yd wdo¾Y w;aik ^w;aikaj,g& wkqj .sKqï

ysñhd$ysñhka úiska fplam;a w;aika l< hq;=h' w;aikaj, fyda w;aikalrejkaf.a isÿjk hï

fjkila iïnkaOfhka jydu nexl=j fj; ,sÅ;j oekaúh hq;=h'

18.

ish¨u fplafmd;a whÿïm;a b,a,Sï ,eîfuka miq nexl=fõ jd¾;d.; ù we;s ,smskh fj;

;emEf,ka .sKqï ysñhd$ysñhka fj; wjYH fplafmd;a hjkq we;' lsishï heùfï wdldrhla

uÕska we;sjk hï m%udohla fyda ydkshla iïnkaOfhka nexl=j lsisÿ j.lSula Ndr fkd.kS'

19.

kj fplafmd;la ,eîfuka miqj" .sKqï ysñhd$ysñhka úiska th Ndú; lsÍug fmr fplam;a

ldKav wxlhka" .sKqï wxlh yd .sKqï ysñhd$ysñhka f.a ku ta u; uqøKh lr we;aoehs hkak

yd fplam;a .Kk ;yjqre lr.; hq;=h' lsishï wl%ñl;djla fõ kï" ta nj jydu nexl=j

fj; oekqïÈh hq;= fõ' hï fplam;la ,sùug fmr" .sKqï ysñhd$ysñhka úiska fplafmdf;ys

bÈßmi ljrfha we;=<; uqøKh lr we;s ksl=;a lsÍfï fldkafoais lshúh hq;=h' tu fldkafoais

23

uÕska iy l,ska l,g ksl=;a lrkq ,nk fldkafoais ixfYdaOkh lsÍï uÕska .sKqï

ysñhd$ysñhka ne`§ isákq we;'

20.

fplam;a iaÓr ;Ska;j,ska meyeÈ,sj ,súh hq;= jk w;r" nexl=j úiska imhd we;s fplam;a u;

muKla ,súh hq;=h' hï fjkia lsÍula ,shkakdf.a iïmQ¾K w;aik$w;aika iys;j ;yjqre

l< hq;=h' fplam;a ,sùu i`oyd bf,laá%la $bf,lafg%dksl h;=re,shkhka iy uldoeñh yels

;Ska; fhdod fkd.; hq;=h' jydu fidhd.ekSug fkdyels fjkia lsÍula uÕska mek k.sk

mdvq iïnkaOfhka nexl=j j.lSug ne`§ fkdisák nj .sKqï ysñhd$ysñhka ms<s.kshs'

21.

fplam;a ke;sù we;s$fidrlïlr we;s fyda wia:dk.;ù we;s wjia:djl § ta i|yd f.ùï lsÍu

keje;aùu i|yd .sKqï ysñhd ^.sKqï ysñhka& úiska fplam;a wxlh" .sKqï wxlh" Èkh" uqo,

iy fplam;a ,enqïlref.a ku i|yka lrñka jydu nelx=j fj; oekqïÈh hq;=h' tu oekqï§u

,efnk wjia:dj jk úg wod< fplam;$fplam;a i|yd f.ùïlr ke;akï muKla tlS ish¨

oekqï§ï n,d;aul jkafkah' ÿrl:kh uÕska ,ndfok f.ùï k;r lsrSu i|yd jQ Wmfoia

meh 48la we;=<; ,sÅ;j ;yjqrel< hq;= w;r nexl=j fj; tlS ,sÅ; Wmfoia ,eî fkdue;s

wjia:djl§" .sKqï ysñhd fj; oekqï§ulska f;drj tlS f.ùï k;rlsÍu i|yd jQ Wmfoia

wj,x.= lsÍfï whs;sh nexl=j i;= fõ' tfia meh 48la we;=<; ;yjqrelr fkdue;s f.ùï k;r

lsÍu i|yd jQ Wmfoia wkqj l%shd fkdlsÍu iïnkaOfhka nexl=j j.lSug ne£ fkdue;' fuu

lreK i`oyd ydksmQrK wdlD;sm;%hla ksis f,i iïmQ¾K l< hq;= fõ'

22.

Ndú; fkdlrk úg fplafmd;a wdrlaIs; ia:dkhl ;nd ;sfnk njg .sKqï ysñhd$ysñhka

úiska iy;sl úh hq;=h'

23.

Y%S ,xld uy nexl=fõ úksuh md,k fomd¾;fïka;=j úiska l,ska l,g ksl=;a lrkq ,nk

fr.=,disj,g wkql+,ùu iïnkaOfhka ´kEu fplam;la wjysr lsÍfï iy$fyda w.re lsÍfï

whs;sh nexl=j i;= fõ'

24

úfoaY jHjydr uqo,a .sKqï

24.

cx.u .sKqï$ b;=reï .sKqï$ld, ;ekam;= .sKqï we;=¿j kuq;a Bg iSud fkdù úfoaY úksuh

fr.=,disj,g wod< kS;s iy$fyda l,ska l,g Y%S ,xld uy nexl=j úiska ksl=;a lrk ,o

uÕfmkaùïj,g hg;aj úfoaY jHjydr uqo,a .sKqï újD; lr mj;ajdf.k hd yels w;r"

wjia:dkql+,j" tlS fr.=,dis iy$fyda uÕfmkaùï uÕska .sKqï ysñhd md,kh flfrkq we;'

tlS mj;akd uÕfmkajqï iy$fyda fr.=,dis nexl=fõ YdLd ld¾hd, fj;ska b,a,d isàu uÕska

,nd.; yels fõ' hï uqo,la fjk;a hï jHjydr uqo,la njg mßj¾;kh lsÍug wjYHjk

wjia:djl§" tu jHjydr uqo,a i|yd tu wjia:dfõ nexl=fõ mj;akd úksuh wkqmd;slh wkqj

fyda Y%S ,xld uy nexl=j úiska kshu lrkq ,nk hï wkqmd;slhla hgf;a tu uqo,a mßj¾;kh

lrkq ,eìh hq;=h'

25.

újD; lrkq ,nk ish¨ úfoaY jHjydr uqo,a b;=reï .sKqï Y%S ,xld uy nexl=j úiska wkqu;

lrkq ,eìh yels jHjydr uqo,aj,ska iy nexl=fõ wNHka;r m%;sm;a;sj,g wkqj úh hq;= fõ'

HSBC Premier fvìÜ iy fl%äÜ ldâm;a

26.

HSBC Premier fvìÜ iy fl%äÜ ldâm;a ksl=;a lsÍu yd Ndú;h Y%S ,xld uy nexl=j úiska

mkjkq ,nk fr.==,disj,g yd l,ska l,g n,d;aulj mj;sk kS;sÍ;sj,g hg;a fõ'

iajhxl%Sh ÿrl:knexl=lrK fiajd (ATB)

27.

nexl=j úiska imhkq ,nk ÿrl:k nexl=lrK fiajdjkag my; oE o we;=<;a fõ(

(i) .sKqï ysñhdf.a .sKqï w;r uqo,a yqjudre lsÍu¦

(ii) ÿrl:k nexl=lrK fiajdj hgf;a ^—fjkalrk ,o mejreï,dNs .sKqu˜& uqo,a

,nd.ekSfï wruqK i|yd .sKqï ysñhd úiska ,sÅ;j okajd we;s ́ kEu .sKqula fj;"

fmr-;SrKh lrk ,o iy tlÕjk ,o yqjudre lsÍfï iSudjka ;=<" .sKqï ysñhdf.a

´kEu .sKqulska uqo,a yqjudre lsÍu¦

25

(iii) .sKqï fYaI" fmr isÿlrk ,o .kqfokq ^.sKqï ysñhdf.a .sKqï iïnkaOfhka&"

úksuh wkqmd; iy ;ekam;= wkqmd; úuiSu¦

(iv) m%ldYk ^f;dard.;a .sKqï j¾.hka i|yd muKs&" fplafmd;a iy .sKqï ysñhdf.a

.sKqu iïnkaOfhka fplam;a f.ùï k;r lsÍfï b,a,Sï¦ iy

(v) nexl=j úiska l,ska l,g y÷kajdfokq we;s fjk;a j¾.j, nexl=lrK fyda

wdfhdack fiajdjka'

28.

.sKqï ysñhd úiska ÿrl:kh uÕska ,ndÿka .sKqï ysñhdf.a Wmfoia u; l%shdlsÍu i|yd

nexl=jg n,h we;s kuq;a ta i|yd ne|S fkdisák w;r" .sKqï ysñhdf.ka ,efnk njg nexl=fõ

mru wNsu;h mßÈ úYajdi lrkq ,nk tjeks ÿrl:k Wmfoia u; l%shdlsÍu i|yd nexl=j

fj; n,h mjrd we;s njg .sKqï ysñhd tl`. ù isák w;r" .sKqï ysñhdf.a kñka WoafoaYs;

f,i ÿrl:kfhka Wmfoia ,ndfok hï ;eke;a;l=f.a ̂ ;eke;a;kaf.a& wkkH;dj iy;sl lr

ne,Sfï j.lSu nexl=j Ndr fkd.kShs'

29.

nexl=j úiska .sKqï ysñhd fj; imhk ,o ÿrl:k nexl=lrK mqoa., y÷kd.ekSfï wxlh

^PIN& iEu úgu w;sYhskau ryis.; wdldrfhka ;nd.ekSug .sKqï ysñhd Ndr .kakd w;r"

mqoa., y÷kd.ekSfï wxlh ̂ PIN& ke;s jQ fyda wkjir md¾Yajhla fj; PIN wxlh fyda ;ekam;=

wkqmd;slhka fy<sorõ ù we;s njg oek.ekSug ,enqKfyd;a" ta ms<sn|j jydu nexl=j fj;

oekaúh hq;= fõ'

30.

hï WmlrKhla ksjerÈ f,i l%shd;aul fkdùu fyda wid¾:lùu we;=¿j nexl=fõ md,kfhka

mßndysrj mj;akd hï fya;=jla ksid iïmQ¾K jYfhka fyda w¾O jYfhka ÿrl:k Wmfoia

wkqj l%shdlsÍug fkdyelsùu ms<sn|j nexl=j j.lshkq fkd,nk w;r" lsisÿ wjia:dkq.;

lreKla hgf;a nexl=j úiska ÿrl:k Wmfoia ms<sf.k isàu iy ta wkqj l%shdlsÍu fyda

l%shdlsÍu meyer yeÍu iïnkaOfhka fyda tys m%;sM,hla jYfhka iDcqj fyda jl%j mek k.sk

ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN" msßjeh iy úhoï iïnkaOfhka fyda tu

fya;=fjka we;sjk ish¨ iDcq jl% fyda wdkqYx.sl w,dN i|yd nexl=j j.lshkq fkd,nk w;r

tlS ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN" msßjeh iy úhoïj,g tfrysj ldâm;a

26

ysñhd úiska nexl=j ydksmQrKhlr ksoyiaj ;eìh hq;=h' ÿrl:k nexl=lrK fiajdj wjika

lsÍu fkd;ld fuu ydksmQrKh wLKavj mj;skq we;'

31.

fuys i|yka kS;sÍ;s iy fldkafoaisj,g wkqj ÿrl:k Wmfoia ,nd§u i|yd .sKqï ysñhdg

we;s whs;sh iEu wjia:djl § u nexl=fõ wNsu;hg hg;ajk w;r" nexl=j úiska ´kEu

wjia:djl§ mQ¾j oekqï§ulska f;drj tu whs;sh m%;HdÈIag lrkq ,eìh yelsh'

32.

ÿrl:k fyda fjk;a Wmfoiaj, ld¾h i|yd .sKqï ysñhdf.a .sKqfï iy$fyda fl%äÜ ldâm;a

.sKqfï m%udKj;a wruqo,a ^fyda mQ¾j ie,iqï.; Kh myiqlï& we;s njg .sKqï ysñhd úiska

iy;sl úh hq;= w;r" ta iïnkaOfhka we;sjk m%;súmdl i|yd nexl=j j.lshkq fkd,nk

kuq;a tu uqo,a m%udKj;aùu fkdi,lñka nexl=fõ mru wNsu;h mßÈ Wmfoia l%shd;aul lsÍu

nexl=j lrk wjia:djl §" nexl=j úiska .sKqï ysñhdf.ka mQ¾j wkque;shla ,nd.ekSfuka

f;drj fyda .sKqï ysñhd fj; oekqï§ulska f;drj nexl=j úiska tfia l%shdlrkq ,eìh yels

w;r" ta uÕska we;sjk hï whsrd myiqlï" w;a;sldrï fyda Kh ms<sn|j fukau fjk;a ish¨

wdY%s; .dia;= i|yd .sKqï ysñhd j.lshkq ,eìh hq;=h' tu whsrd myiqlï" w;a;sldrï fyda

Kh uqo,a nexl=j úiska iajlSh mru wNsu;h mßÈ ;SrKh lrkq ,nk hï fmd<S wkqmd;slj,g

hg;ajk w;r" tajd tlS .sKqïj,g wod< nexl= idudkH kS;sÍ;s yd fldkafoais uÕska md,kh

jkafka h'

33.

.sKqï ysñhd úiska ,ndfok ÿrl:k Wmfoia u; nexl=j úiska isÿlrkq ,nk .kqfokq ms<sn|

úia;r .sKqï ysñhd úiska ;udf.a mejreï,dNS iy$fyda yjq,a .sKqï ysñhd fj; ksfõokh

lrkq ,eìh hq;=h' tlS ksfõokh ,nd§u ms<sn|j nexl=j úiska .sKqï ysñhdg j.lshkq

fkd,efí'

34.

nexl=j úiska WÑ; njg iajlSh wNsu;h mßÈ l,ska l, ;SrKh lrkq ,eìh yels fiajd .dia;=

iy weu;=ï uOHia:dkh yryd ,ndfok ,o fiajdjka iïnkaOfhka nexl=fõ .dia;= f,aLkhg

wkqj fiajd .dia;= iy fjk;a .dia;= mekùug nexl=j úiska whs;sh r`ojd .kshs'

27

35.

nexl=j úiska l,ska l,g" fuu j.ka;sfha i|yka ÿrl:k nexl=lrK fiajd úIhm:h" fiajd

.dia;= iy fjk;a whlsÍï iy fuys i|yka kS;sÍ;s iy fldkafoais fjkia lsÍug" bj;a lsÍug"

tl;= lsÍug ixfYdaOkh lsÍug whs;sh r`ojd .kakd w;r" ta iïnkaOfhka .sKqï ysñhd$ysñhka

fj; oekqï§u m%ldYkh iuÕ úia;rhla fyda weuqKqula f,i iy$fyda nexl=fõ YdLdjka ys

m%o¾Ykh lsÍfuka iy$fyda nexl=fõ ks, fjí wvúh jk www.hsbc.lk ys oelaùfuka tlS

ixfYdaOk ms<sn|j .sKqï ysñhd $ ysñhka fj; ,nd ÿka mQ¾j-oekqï§ula f,i ie,flkq we;s

w;r" tu ixfYdaOk n,d;aul jk Èkh f,i tjeks oekqï§ulg miq jevlrk Èk 05l g

fkdwvq jk jHdmdßl Èkhla kshulr olajkq we;' tu ld,iSudj bl=;aùug fmr .sKqï

ysñhd$ysñhka ÿrl:k nexl=lrK fiajdj wjika fkdlrkafka kï" tu ixfYdaOkj,g tl`.

ù we;s njg ie,flkq we;'

36.

ÿrl:k nexl=lrK fiajdjg m%fõYùu i`oyd fyda .sKqï ysñhdf.a fl%äÜ ldâm; Ndú; lssÍu

i`oyd nexl=j úiska imhd we;s ÿrl:k nexl=lrK fm!oa.,sl y`ÿkd.ekSfï wxlh ^ryiH

wxlh - PIN& iy fm!oa.,sl nexl=lrK wxlh (PBN) Ndú; lsÍu .sKqï ysñhd$ysñhka úiska

fuu kS;sÍ;s ms<s.ekSula f,i w¾:ksrEmkh flfrkq we;'

37.

nexl=fõ ÿrl:k nexl=lrK fiajdj yryd yria jHjydr uqo,a .kqfokq isÿlsÍfï § Y%S ,xld

uy nexl=j úiska ksl=;a lr we;s úksuh md,k fr.=,dis uÕska .sKqï ysñhd$ysñhka md,kh

jkq we;'

HSBC Premier flám‚jqv (SMS) ±kqï§ï ^zfiajdjZ&

38.

fiajdj Ndú; lrk ld,h w;r;=r§ nexl=fõ Wmfoia iy$fyda ld¾hmámdá uÕska .kqfokqlre

ne£ isákq iy nkaOkh jkq we;' tu Wmfoia iy$fyda ld¾hmámdáj,g wkql+, fkdùfuka

mek k.sk" .kqfokqlreg isÿjk hï ydkshla" mdvqjla" yd úhoula i|yd nexl=jg tfrysj

.kqfokqlreg lsisÿ whe§ula" mshjrla fyda m%;sl¾uhla fkdmj;skq we;'

39.

.kqfokqlre yer fjk;a hï ;eke;af;l= úisk a m‚jqvh keröu fyda fiajdj Ndú; lsÍu"

nexl=jg wh;a jk fyda fkdjk mß.Klh" tys m¾hka; iïnkaO;d ud¾." o;a; ieliqï moaO;s

28

fyda iïfm%aIK ud¾. ì|jeàu fyda wjl%shdldÍ;ajh fyda nexl=fõ md,kfhka neyer ´kEu

;;a;ajhla o we;=<;aj Bg iSud fkdù" ´kEu fya;=jla u; fiajdj iïnkaOfhka fyda tuÕska

mek k.sk" .kqfokqlreg iDcqj fyda jl% ud¾.fhka orkakg fyda ú¢kakg isÿjk hï ydkshla

fyda mdvqjla i|yd .kqfokqlre úiska nexl=j j.lSug fyda j.ùug ,la fkdlrkq we;'

40.

nexl=j úiska ish ;ks wNsu;h mßÈ ´kEu wjia:djl § fiajdjg hï fjkialula isÿlsÍug"

fiajdj ;djld,slj w;aysgqùug iy$fyda wjika lsÍug iy ´kEu wjia:djl § fiajdj fjkia

lsÍug whs;sh r`ojd .kakd w;r" tlS fjkialï m%ldYkh iuÕ úia;rhla fyda weuqKqula

f,i iy$fyda nexl=fõ ks, fjíwvúh jk www.hsbc.lk ys iy$fyda nexl=fõ YdLdjka ys

oekaùï mqjrej, m%o¾Ykh lsÍfuka tlS fjkialï iy$fyda ;djld,sl w;aysgqùï iy$fyda

wjika lsÍï ms<sn|j .sKqï ysñhd fj; ,ndÿka oekqï§ula f,i ie,flkq we;'

41.

nexl=j fj; Èk y;l ^07& ,sÅ; ±kqï§ula ^;yjqre lsÍug hg;aj& fyda mdßfNda.sl fiajd iDcq

wxlh yryd ̂ fm!oa.,sl y÷kd.ekSfï wxlh ;yjqrelsÍu wjYH h& ,nd§u uÕska fiajdj Ndú;

lsÍu wjika lsÍug .kqfokqlreg b,a,d isàug yelsh' fiajdjg hï fjkialsÍula isÿlsÍug

.kqfokqlre b,a,d isákafka kï" .kqfokqlre úiska tA i|yd kj wdlD;sm;%hla iïmQ¾K l<

hq;= fõ'

42.

fiajdj Ndú; lsÍu uÕska fyda tA iïnkaOfhka mek k.sk" l,ska l,g iy ish¨u wjia:dj,§

nexl=jg orkakg isÿjk fyda ú¢kakg isÿjk ish¨u wdldrfha ish¨ mdvq" whe§ï" kvqlr" kvq

lghq;=" whe§ï yd b,a,Sï iïnkaO mdvq" msßjeh" ydks yd úhoï i|yd nexl=j ydksmQrKh

lsÍug iy nexl=j ydksmQrKh lr ;eîug" iy ydksj,ska je,elaùug .kqfokqlre fuuÕska

wj,x.= l< fkdyels f,i tlÕ ù Ndrf.k isáhs'

43.

´kEu wjia:djl§ ±kqï§ulska f;drj fuys wvx.= kS;sÍ;sj,ska lsisjla fjkia lsÍug nexl=jg

whs;sh mj;skq we;s w;r" th n,d;aul jkq we;ehs m%ldYs; Èkfha isg .kqfokqlre tu fjkia

lsÍfuka iïmQ¾Kfhka ne£ isákq we;' tlS fjkia lsÍu ,smshla uÕska iy$fyda m%ldYkh

iuÕ úia;rhla fyda weuqKqula f,i iy$fyda nexl=fõ ks, fjí wvúh jk www.hsbc.lk ys

29

iy$fyda nexl=fõ YdLdjka ys oekaùï mqjrej, m%o¾Ykh lsÍfuka .sKqï ysñhd oekqï fokq

we;'

44.

wod< rfgys kshduk wjYH;d iy iSudlsÍï fya;=fjka iuyr rgj,§ fuu fiajdj ,nd.ekSug

fkdyels jkq we;'

fmd,sh

45.

b;=reï iy ld, ;ekam;= .sKqï ^úfoaY jHjydr uqo,a$foaYSh jHjydr uqo,a& i|yd jQ fmd,S

wkqmd;sl mQ¾j oekqï§ulska f;drj fjkiaùug hg;a jk kuq;a hï mj;akd ld, ;ekam;=jla

u; .súid .kq ,enQ fmd,S wkqmd;sl l,a msfrk f;la nexl=j úiska fjkia lrkq fkd,efí'

46.

b;=reï .sKqï jk .sKqu$.sKqï i|yd ffokslj mj;sk fYaIh u; fmd,sh .Kkh lrkq we;s

w;r" udih wjidkhg fmr wod< .sKqug fyda .sKqï ysñhd$ysñhka úiska kï lrk ,o fjk;a

.sKqulg mj;sk wkqmd;h u; udislj ner lrkq we;' remsh,a cx.u .sKqïj, mj;sk ner

fYaIhka i|yd nexl=j úiska lsisÿ fmd,S uqo,la f.jkq fkd,efí'

nÿ

47.

foaYSh wdodhï fomd¾;fïka;=j úiska kshu lr we;s mßÈ" ish¨u .sKqï ysñhd$ysñhka úiska

.sKqï újD; lsÍfï wdlD;s m;%fhys we;s ish nÿ ;;a;ajh iy fkajdisl ;;a;ajh iïnkaOfhka

jHjia:dms; m%ldYkh iïmQ¾K l< hq;= w;r Tyqf.a$wehf.a wod< nÿ m%ldYk iy nÿ ;;a;ajh

kshñ; ld,hka ys § iïmQ¾K lrk njg iy;sl ùu .sKqï ysñhdf.a j.lSu fõ' .sKqï

ysñhdf.a nÿ kshñ; ld,hka ys § m%ldY lsÍug wfmdfydi;aùu we;=¿j .sKqï ysñhd úiska

´kEu wdldrhlska uqyqKmdk nÿ iïnkaO .eg¨ ms<snඳj nexl=j lsisÿ j.lSula orkq fkd,nhs'

.sKqï ysñhd $ysñhka úiska ,nd ÿka jHjia:dms; m%ldYkh" mj;sk yd tu uekafâÜ m;%h u;

u md,kh jk újD; lrk kj .sKqïj,g wod< jkq we;' l,ska l,g foaYSh wdodhï

fomd¾;fïka;=j úiska kshu lr we;s mßÈ fmd,S f.ùï u; f.úh hq;= jk r`ojd.ekSfï noao

fyda fjk;a nÿ wod< ld,iSudj i`oyd ^wod< wkqmd;h fyda wkqmd; hgf;a& f.úh hq;= jk

fmd,S f.ùfuka nexl=j úiska wvqlrkq we;' miq wjia:djl § foaYSh wdodhï fomd¾;fïka;=j

30

úiska nexl=fjka b,a,d isáhfyd;a .sKqï ysñhd$ysñhkag oekqï§ulska f;drj fkdf.jQ

r`ojd.ekSfï nÿ .sKqï ysñhd$ysñhkaf.ka whlr.ekSug nexl=jg whs;sh mj;S'

HSBC Premier f.da,Sh fiajd

48.

(a) .sKqï ysñhd fj; HSBC Premier f.da,Sh fiajd imhk wjia:djl§" HSBC Premier

f.da,Sh fiajd hgf;a MaterCard International úiska msßkukq yd imhkq ,nk iy

m%odkh lrkq ,nk fiajdjka i|yd jQ kS;sÍ;s iy fldkafoaisj,ska ne§ isàu i|yd

.sKqï ysñhd tl`. fõ'

(b) my; fldkafoaisj,g hg;a j" nexl=fõ whs;sjdislïj,g ^w.;s úrys;j& .sKqï ysñhd

tl`.ù isáhs'

(i) mj;akd whnÿj,g wkqj ldâm;a ksl=;alsÍu$w¨;alsÍu u; fvìÜ ldâm;

i|yd jQ jd¾Isl .dia;=j uQ,sl .sKqfuka yrlrkq ,efí' fuu .dia;= wdmiq

f.jkq fkd,efí'

(ii) mj;akd whnÿj,g wkqj l,ska l, fjk;a hï fvìÜ ldâm;a wdY%s; .dia;=

.sKqfuka yrlrkq ,efí'

(iii) ldâm;a ysñhdg oekqï§ulska f;drj wod< whnÿ l,ska l, fjkia lsÍfï mru

whs;sh nexl=j úiska ;nd.kq ,efí' b,a,Sula lsÍfuka miqj nexl=fõ whnÿ

ms<sn| fmd;amsxp ldâm;a ysñhdg imhkq ,efí'

(iv) úfoaY jHjydr uqo,aj,ska jQ ish¨ .dia;= Y%S ,xld remsh,aj,ska hq;a .sKqug

ì,am;a lrkq ,efí' HSBC úiska fyda VISA International úiska l,ska l,

kshu lrkq ,eìh yels wkqmd;sl wkqj úfoaY jHjydr uqo,ska ork ,o .dia;=

Y%S ,xld remsh,aj,g iudk uqo,lg mßj¾;kh lsÍu iy ´kEu f;dr;=rla

fy<sorjq lsÍu i|yd ldâm;a ysñhd úiska HSBC iy VISA International fj;

fuhska n,h mjrkq ,efí'

31

(v) HSBC Premier iy MaterCard International uQ,sl .sKqug ^wjia:dfjdaÑ; mßÈ&"

ms<sfj,ska Tjqkaf.a ksfhdað;hka iy f;jk md¾Yajfha fiajd imhkakka úiska

.sKqï ysñhd fj; HSBC f.da,Sh fiajd iemhSu ^wjia:dfjdaÑ; mßÈ& fjkqfjka'

(c) HSBC Premier f.da,Sh fiajd hgf;a m%odkh lrk fiajdjka MaterCard International

úiska" MaterCard International úiska m;alrkq ,nk iajlSh ksfhdað;hka iy ;=kajk

md¾Yaj fiajd imhkakka úiska imhkq ,efí' ta wkqj fmdÿfõ HSBC Premier f.da,Sh

fiajd iïnkaOj MaterCard International fyda tys hï ksfhdað;hkaf.a fyda ;=kajk

md¾Yaj fiajd imhkakkaf.a hï l%shdjla fyda meyer yeÍula fya;=fjka we;sjk ´kEu

wdldrhl l%shdjla" ysñlïmEï" mdvq" w,dN fyda j.lSï i|yd nexl=j j.lshkq

fkd,efí'

49.

.sKqï ysñhd fj; hï fiajdjla iemhsh yelso keoao hkak ms<sn|j ;SrKh lsÍu i|yd nexl=jg

yelshdj ,efnk mßÈ nexl=j fj; l,ska l, mqoa.,sl úia;r imhk f,i ldâm;a ysñhdg

kshu lrk w;r" tfia lsÍug wfmdfydi;a jqjfyd;a nexl=jg tu fiajd iemhSug fkdyelsjkq

we;'

50.

.sKqï ysñhdf.a b,a,Su i,ld ne,Su i|yd mqoa.,sl úia;r Ndú; lrkq ,nk w;r" nexl=j

úiska tu fiajd iemhSu i|yd tl`.ùug hg;aj mqoa.,sl úia;r iy .sKqï ysñhd úiska nexl=j

iuÕ mj;ajdf.khkq ,nk .kqfokq fyda iïnkaO;dj,g wod< fjk;a ish¨ úia;r yd

f;dr;=re tlS fiajd .sKqï ysñhd fj; iemhSu iïnkaOfhka Ndú; lrkq ,efí' nexl=fõ

my; i|yka hï fyda ish¨ ld¾h i|yd ^hï HSBC iuQy idudðlhl= fyda fjk;a hï fiajd

imhkakl=g iSud fkdjkakdjQ hï ;eke;af;l= o we;=¨j& nexl=j úiska wjYH hehs i,lkq

,nk ish¨ ;eke;a;ka fj;" ;eke;a;kaf.ka fyda ;eke;a;ka iuÕ tlS mqoa., f;dr;=re iy

fjk;a hï úia;r iy f;dr;=re nexl=j úiska Ndú; lsÍu" .nvd lsÍu" fy,sorõ lsÍu" mejÍu

^Y%S ,xldj ;=< fyda Y%S ,xldfjka msg;&" ,nd.ekSu iy$fyda yqjudre lsÍu l< yelsh(

(a) fiajd iemhSu ^taldnoaO m%ldY iemhSu we;=¿j tajdg iSud fkdjkakdjQ&

iïnkaOfhka¦

32

(b) ´kEu ld¾hhla i|yd ^.sKqï ysñhdg tfrysj hï m%;sfrdaë mshjrla .ekSu i|yd

fyda tfia fkdue;sj& hï ;eke;a;l=f.a mqoa.,sl úia;r nexl=j ika;lfha

mj;akd mqoa.,sl úia;r iuÕ ii|d ne,Su iïnkaOfhka¦

(c) fjk;a hï uQ,H wdh;k fyda fjk;a hï md¾Yaj fj; .sKqï ysñhd ms<sn| nexl=j

i;= úia;r iemhSu iïnkaOfhka¦

(d) nexl=j úiska iy HSBC nexl= iuQyfha fjk;a hï idudðlhl= úiska .sKqï ysñhd

fj; fmdÿfõ imhk fjk;a fiajd m%j¾Okh lsÍu" jeäÈhqKq lsÍu iy kÕd

isgqùu iïnkaOfhka iy$fyda fjk;a hï ld¾h i|yd iy nexl=j úiska l,ska

l, imhkq ,nk hï m%ldY" pl%f,aL" ksfõok fyda kS;sß;s iy fldkafoaisj,

ksYaÑ;j olajkq ,nk mqoa.,sl úia;r fy,sorõ lsÍu ms<sn|j nexl=fõ fmdÿ

m%;sm;a;sh m%ldrj fjk;a hï ;eke;a;ka fj;" ;eke;a;kaf.a fyda Tjqka iïnkaO

f;dr;=re iemhSu iïnkaOfhka'

51.

mqoa.,sl úia;r i|yd m%fõYùug iy mqoa.,sl úia;r ixfYdaOkh lsÍu i|yd b,a,d isàug

fyda iDcq fj<| wruqKq i|yd mqoa.,sl úia;r Ndú; lsÍfuka je,lS isák fuka b,a,d isàug

.sKqï ysñhdg whs;shla we;af;ah' tjeks hï b,a,Sula mqoa.,sl nexl= l<ukdlre fj; fyda

nexl=j úiska l,ska l, ksYaÑ;j olajkq ,eìh yels hï wxlhlg ,sÅ;j bÈßm;alrkq ,eìh

yelsh' hï wod< kS;s iy fr.=,dis hgf;a tfia lsÍu m%;sfCIam lrk f,i nexl=jg kshu

lrkq ,eìh yels kï fyda nexl=jg kshu lr we;akï ñi" nexl=j úiska tu b,a,Sug tl`.j

l%shdl, hq;= h'

52.

(a) .sKqï wdrïN lsÍu fyda mj;ajdf.k hEu iy nexl= myiqlï we;s lsÍu fyda

mj;ajdf.k hEu fyda nexl= fiajd iemhSu iïnkaOj úia;r l,ska l, .sKqï ysñhd

úiska nexl=j fj; iemhsh hq;= fõ' tfia úia;r iemhsh fkdyelsùu fya;=fjka .sKqï

wdrïN lsÍug fyda mj;ajdf.k hdug fyda nexl= myiqlï we;slr mj;ajdf.k hEug

fyda nexl= fiajd iemhSu i|yd nexl=jg fkdyelsjkq we;' .kqfokqlrejka úiska

fplam;a ,sùfï § fyda uqo,a ;ekam;a lsÍfï § nexl= iïnkaO;d lghq;= idudkH mßÈ

mj;ajdf.k hEfï§ o tu f;dr;=re .kqfokqlrejka úiska ,nd fkd§u .eg¨jla jkq

we;'

33

(b) .kqfokqlrejl=g wod< úia;r my; oelafjk wdldrhg my; oelafjk ld¾h i|yd

Ndú; lrkq ,eìh yelsh¦

i. .kqfokqlrejka fj; imhk ,o fiajd iy Kh myiqlï Èkm;d l%shd;aul

lsÍu¦

ii. Kh úuiqï meje;aùu¦

iii. Kh mÍCId lsÍu iy Kh tl;=lsÍu i|yd fjk;a uQ,H wdh;kj, iydh

,nd.ekSu¦

iv. .sKqï ysñhdf.a mj;akd Kh ,nd.ekSfï yelshdj úuid ne,Su¦

v. .sKqï ysñhdf.a m%fhdackh i|yd uQ,H fiajd fyda wdY%s; fiajd ie,iqï lsÍu¦

vi. uQ,H fiajd fyda wdY%s; fiajd wf,úlrKh lsÍu¦

vii. Kh ysñhdg ,eìh hq;= fyda Kh ysñhd úiska f.úh hq;= Kh.e;s Ndjfha

m%udKh ;SrKh lsÍu¦

viii. .sKqï ysñhdf.a iy .sKqï ysñhkaf.a ne£ï fjkqfjka wemlr imhkakdjQ

;eke;a;kaf.a ys`. Kh uqo,a ms<sn| f;dr;=re /ialsÍu¦

ix. nexl=j fyda tys YdLd úiska ne£ we;a;djQ hï kS;shl kshu lsÍï hgf;a jQ

fy,sorõlsÍï i|yd jQ wjYH;d imqrd,Su¦

x. .kqfokqlre iïnkaOfhka nexl=fõ ienE fyda nexl=fõ mejreï,dNshl= fyda

nexl=fõ whs;sjdislï i|yd iyNd.Sjkakd fyda Wm iyNd.Sjkakd i|yd tu

mejreu" iyNd.S;ajh fyda WmiyNd.S;ajh úIh jia;=j jkakdjQ tu .kqfokqj

úu¾Ykh lsÍu i|yd yelshdj ,nd§u¦ iy

xi. ta yd iïnkaO fjk;a wruqKq'

(c) .sKqï ysñhl= iïnkaOfhka nexl=j úiska orkq ,nk o;a; nexl=j úiska ryiH f,i

;nd.kq ,nk w;r (b) fþofha ksYaÑ;j olajd we;s ld¾h i|yd tu f;dr;=re nexl=j

úiska my; i|yka md¾Yaj fj; imhkq ,eìh yelsh'

i. iajlSh jHdmdr lghq;= mj;ajdf.k hEu iïnkaOfhka nexl=j fj; mßmd,k"

úÿ,s ixfoaY" mß.Kl" f.ùï fyda wem ksYaldYk fyda fjk;a fiajd imhkq

,nk hï ksfhdað;hl=" fldka;%d;alrejl= fyda ;=kajk md¾Yaj fiajd

imhkakl=¦

ii. tu f;dr;=re ryiH f,i ;eîug fmdfrdkaÿù isák nexl=fõ hï iuQy

iud.ula o we;=¿j nexl=jg ryiHNdjh ms<sn| j.lSula orkq ,nk fjk;a

hï ;eke;a;l=¦

34

iii. f.ùï lrk ,o fplam;l msgm;la tu fplamf;a ,enqïlre fj;

^,enqïlref.a úia;r wka;¾.;jk& fplam; ,shk ,o nexl=j úiska ,ndfok

wjia:djl tjeks f.ùï lsÍfï hï nexl=jla i|yd¦

iv. Kh fhduqlsÍfï ksfhdað; wdh;k iy f.ùï meyer yer we;s wjia:dj, §

Kh tl;=lsÍfï ksfhdað; wdh;k¦

v. nexl=fõ hï ienE fyda fhdað; mejreï,dNshl= fyda Wm-iyNd.Sjkakl= fyda

.kqfokqlre iïnkaOfhka nexl=fõ whs;sjdislï ms<sn| mejreïlrejl=¦

vi. wêlrK ksfhda.hla uÕska'

ixhqla; m%ldYk

53.

nexl=j úiska iEu tla tla udifha§ u ̂ fyda .sKqï ysñhd úiska ksYaÑ;j olajkq ,nk wdldrhg&

nexl=j úiska l,ska l, ksYaÑ;j olajkq ,nk ish¨ HSBC Premier .sKqï iy fjk;a nexl=

fiajdj,g wod< .kqfokq iy fYaI uqo,a fmkakqï lrkq ,nk .sKqï m%ldYkhla .sKqï ysñhd

fj; hjkq ,efí' m%ldYk pl%h wjidk Èk isg Èk 10la we;=<; .sKqï m%ldYkh ,eî

fkdue;s wjia:djl §" ta ms<sn|j nexl=j fj; oekqïÈh hq;=h' tla tla .sKqï m%ldYkh

mÍlaIdlr ne,Sug iy ^wjia:dfjdaÑ; mßÈ& tu .sKqï m%ldYkh .sKqï ysñhd fj; ,eîfï Èk

isg Èk 14la we;=<; ^tu .sKqï m%ldYkfha i|yka jk hï ¥IKhla" jxpdjla" n,h

fkdue;slula fyda hï ;eke;a;l=f.a meyer yeÍula we;=¿j tajdg iSud fkdjkakdjQ& tu .sKqï

m%ldYkfha we;s ´kEu l%uhlska WmÑ;jk hï WoafoaYs; jerÈ fyda uÕyeÍï ms<sn|j .sKqï

ysñhd úiska nexl=j fj; jdÑlj fyda ,sÅ;j oekqï§u i|yd .sKqï ysñhd tl`.j isákq ,nk

w;r" tfia lsÍug wfmdfydi;a jqjfyd;a ixhqla; .sKqï m%ldYkfha fmkajd we;s fYaIh

wjidkd;aul idlaIshla f,i ms<s.ekSu i|yd .sKqï ysñhd ne£ isák f,i i,lkq ,nk w;r"

ta iïnkaOfhka úfrdaO;d bÈßm;a lsÍfï fyda m%;sl¾u wfmalaId lsÍfï .sKqï ysñhdf.a

whs;sjdislï .sKqï ysñhd úiska w;ayßkq ,en we;s f,i i,lkq ,efí'

54.

.sKqï ysñhd úiska Tyqf.a$wehf.a .sKqï m%ldYkj, msgm;a wdrlaIdlr .ekSu ms<sn|j j.lsj

hq;= w;r" nexl=fjka m%ldYkj, msgm;a b,a,d isàfï§" nexl=fõ m%isoaO lrk ,o whnÿ m%ldrj

fuu fiajh iemhSu fjkqfjka .dia;= whlr .ekSu i|yd nexl=j úiska whs;sh ;nd.kq ,efí'

35

*elaia mKsjqv i|yd ydksmQrKh

55.

Wmfoia u; l%shdlsÍug fmrd;=j meflacfha n,h m%ldrj ienE w;aikla iys;j ,sÅ; ikd:

lsÍula b,a,d isàulska f;drj meflach l%shd;aul lsÍu i|yd ^zWmfoiaZ hkqfjka y÷kajkq

,nk& *elaisñ,s iïfm%AIKh uÕska l,ska l,g .sKqï ysñhdf.ka ,efnk Wmfoia ms<s.ekSu

i|yd nexl=j úiska tl`.ùu ie,ls,a,g f.k .sKqï ysñhd úiska my; i|yka mßÈ tl`.jkq

,efí'

(a) .sKqï ysñhdf.ka ,efnk njg nexl=j úiska iajlSh wNsu;h mßÈ úYajdi lrkq ,nk

hï Wmfoia u; l%shdlsÍu i|yd nexl=jg fuhska n,h mjrkq ,nk w;r" hï wjir

fkd,;a ;eke;a;kaf.ka ,efnk Wmfoia u; nexl=j úiska ioaNdjfhka l%shdlsÍu

ms<sn|j nexl=j j.lshkq fkd,efí'

(b) .sKqï ysñhdf.a kñka WoafoaYs; f,i f;dr;=re ,ndfok hï ;eke;a;l=f.a

^;ekeka;a;kaf.a& wkkH;djh ;yjqrelr .ekSu ms<sn|j nexl=j j.lSug ne£ ke;s

w;r" hï Wmfoiaj,g wkqj isÿlrkq ,nk .kqfokq iïnkaOfhka jkúg tu .kqfokq

.sKqï ysñhdf.a wjirh" wkqoekqu fyda leue;a; we;sj fyda fkdue;sj isÿjqjo ta

ms<sn|j ldâm;a ysñhd j.lsj hq;= h'

(c) fï hgf;a iajlSh neඳSï ̂ ÿrl:k iy *elaisñ,s Wmfoia we;=¿j tajdg iSud fkdjkakdjQ&

bgqlsÍfï § fyda Wmfoia ms<s.ekSfï § Ndrldr;aj fiajd imhk .sKqï ysñhd iy$fyda

nexl=j úiska isÿlrk ,o hï meyer yeÍula fya;=fjka fyda meyer yeÍula

iïnkaOfhka iDcqj fyda jl%j we;sjkakd jQ nexl=jg tfrysj f.k tkq ,nk fyda

nexl=j úiska ork ,o fyda úhoïlrk ,o ish¨ kvq lghq;=" kS;slD;H" ysñlïmEï"

mdvq" w,dN" msßjeh iy úhoïj,g tfrysj nexl=j ydksmQrKhlr ksoyiaj ;eîug

ldâm;a ysñhd tl`.jk w;r nexl=j úiska ys;du;d lrk ,o meyer yeÍula fya;=fjka

ñi ta u; l%shdlsÍu fyda l%shdlsÍu meyer yeÍfï § meflach wjika lsÍu fkd,ild

tlS ydksmQrKh È.gu l%shd;aul jkafka h'

(d) hï f,aLkhla u;" —fuh *elaia uÕska tjk ,o ,smsfha uq,a msgm; jk w;r" th

wkqmsgm;la fkdfõ˜" hkqfjka ;o wl=ßka meyeÈ,sj m%ldYlr we;akï ñi" *elaia uÕska

tjk ,o b,a,Sul uq,amsgm; o we;=¿j nexl=jg ,enqKq fjk;a ́ kEu f,aLkhla fjku

b,a,Sula f,i nexl=j úiska i,lkq ,nk nj .sKqï ysñhd wjfndaOlrf.k isáhs'

36

(e) by; ̂ (d) fþofha i|yka wdldrhg tu wkqmsgm;a" —wkqmsgm;˜" f,i ksYaÑ;j ,l=Kqlr

we;akï ñi" nexl=fõ úúO YdLd$wxY fj; .sKqï ysñhd úiska tu *elaia mKsjqvfha

msgm;a tajd we;akï iy nexl=j úiska tu Wmfoia u; l%shd lsÍfï§ fok hï

wkqmsgm;la i|yd nexl=j j.lshkq fkd,nk njg .sKqï ysñhd tl`.j isáhs'

ÿrl:k fiajd iy ydksmQrKh

56.

nexl=j úiska imhkq ,nk weu;=ï fiajdjka uÕska my; oelafjk lreKq iïnkaOfhka jQ

ÿrl:k Wmfoia wdjrKh lrkq ,nhs'(

i. .sKqï ysñhdf.a ´kEu .sKqï w;r uqo,a udrelsÍu( yjq,a .sKqï iïnkaOfhka jk úg

w;aika lsÍfï Wmfoia tla .sKqï ysñhl= úiska muKla w;aika lsÍu i|yd muKla jk

wjia:djl § mejÍï i|yd wjir fokq ,efí' tjeks wjia:djl § mejÍu .sKqï

ysñhdf.a yjq,a .sKqu w;r iy$fyda tu .sKqï ysñhdf.a u ;ks mqoa., .sKqï w;r isÿúh

hq;=h¦

ii. .sKqï fYaIhka" wjidk .kqfokq ^.sKqï ysñhdf.a .sKqï yd iïnkaO&" yqjudre

wkqmd;slh iy ;ekam;= wkqmd;sl ms<sn| úuiSu¦

iii. .sKqï m%ldYk ^f;dard.;a .sKqï i|yd& b,a,d isàu" .sKqï ysñhdf.a .sKqug wod<

fplafmd;a iy fplam;a f.ùï k;r lsÍu i|yd b,a,Su¦ iy HSBC iuQyh fyda

MasterCard International úiska imhkq ,nk f.da,Sh fiajd¦ nexl=j úiska l,ska l,

y÷kajdfokq ,nk fjk;a nexl= iy wdfhdack fiajd¦

57.

hï WmlrKhla ksjerÈ f,i l%shd;aul fkdùu fyda wid¾:lùu we;=¿j nexl=fõ md,kfhka

mßndysrj mj;akd hï fya;=jla ksid iïmQ¾K jYfhka fyda w¾O jYfhka ÿrl:k Wmfoia

wkqj l%shdlsÍug fkdyelsùu ms<sn|j nexl=j j.lshkq fkd,nk w;r lsisÿ wjia:dkq.;

lreKla hgf;a nexl=j úiska ÿrl:k Wmfoia ms<sf.k isàu iy ta wkqj l%shdldÍu fyda

l%shdlsÍu meyer yeÍu iïnkaOfhka fyda tys m%;sM,hla jYfhka iDcqj fyda jl%j mek k.sk

ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN" msßjeh iy úhoï iïnkaOfhka fyda tu

fya;=fjka we;sjk ish¨ iDcq" jl% fyda wdkqYx.sl w,dN i|yd nexl=j j.lshkq fkd,nk w;r

tlS ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN" msßjeh iy úhoïj,g tfrysj ldâm;a

ysñhd úiska nexl=j ydksmQrKhlr ksoyiaj ;eìh hq;=h'

37

58.

fuys i|yka kS;sÍ;s iy fldkafoaisj,g wkqj ÿrl:k Wmfoia ,nd§u i|yd .sKqï ysñhdg

we;s whs;sh iEu wjia:djl § u nexl=fõ wNsu;hg hg;ajk w;r" nexl=j úiska ´kEu

wjia:djl § mQ¾j oekqï§ulska f;drj tu whs;sh m%;HdÈIag lrkq ,eìh yelsh'

ÿrl:k fyda fjk;a Wmfoiaj, ld¾h i|yd .sKqï ysñhdf.a .sKqfï iy$fyda fl%äÜ ldâm;a

.sKqfï m%udKj;a wruqo,a ^fyda mQ¾j ie,iqï.; Kh myiqlï& we;s njg .sKqï ysñhd úiska

iy;sl úh hq;= w;r" ta iïnkaOfhka we;sjk m%;súmdl i|yd nexl=j j.lshkq fkd,nk

kuq;a tu uqo,a m%udKj;aùu fkdi,lñka nexl=fõ mru wNsu;h mßÈ Wmfoia l%shd;aul lsÍu

nexl=j isÿlrk wjia:djl §" nexl=j úiska .sKqï ysñhdf.ka mQ¾j wkque;shla ,nd.ekSfuka

f;drj fyda .sKqï ysñhd fj; oekqï§ulska f;drj fyda nexl=j úiska tfia l%shdlrkq ,eìh

yels w;r" tuÕska we;sjk hï whsrd myiqlï" w;a;sldrï fyda Kh ms<sn|j fukau fjk;a

ish¨ wdY%s; .dia;= i|yd .sKqï ysñhd j.lshkq ,eìh hq;=h' tu whsrd myiqlï" w;a;sldrï

fyda Kh uqo,a nexl=j úiska iajlSh mru wNsu;h mßÈ ;SrKh lrkq ,nk hï fmd<S

wkqmd;slj,g hg;ajk w;r" tajd tlS .sKqïj,g wod< jk nexl=fõ idudkH kS;sÍ;s yd

fldkafoais uÕska md,kh jkafka h'

59.

weu;=ï uOHia:dkh yryd ,shdmÈxÑ lrk fiajd i|yd nexl=j úiska idudkH whnÿ whlrkq

,efí'

60.

nexl=j úiska WÑ; njg iajlSh wNsu;h mßÈ l,ska l, ;SrKh lrkq ,eìh yels fiajd .dia;=

iy$fyda fjk;a .dia;= mekùfï whs;sh nexl=j i;= jk w;r" nexl=fõ fjí wvúh jk

www.hsbc.lk ys m%ldYs; nexl=fõ .dia;= f,aLkh iy$fyda nexl=fõ YdLdjka ys oekaùï mqjrej,

m%o¾Ykh lsÍu uÕska nexl=j úiska okajkq we;'

61.

nexl=j úiska iajlSh mru wNsu;h mßÈ iqÿiq hehs ;SrKh lrkq ,nk wdldrhg l,ska l,

fuys i|yka fiajd úIh m:h" fiajd .dia;= iy kS;sÍ;s iy fldkafoais i|yd hula w¨f;ka

tl;= lsÍu" bj;a lsÍu fyda fjkia lsÍu i|yd whs;sh ;nd.kq ,efí' nexl=fõ fjí wvúh

jk www.hsbc.lk ys iy$fyda nexl= YdLdj, we;s oekaùï mqjrej, tlS m%;sfYdaê; kS;sÍ;s iy

38

fldkafoais fyda wod< whnÿ ms<sn|j m%o¾Ykh lsÍu uÕska nexl=j úiska .sKqï ysñhdg tu

ixfYdaOk ms<sn|j ksfõokh lrkq we;'

62.

.sKqï ysñhdf.a .sKqï yd iïnkaO ^zf;dr;=reZ hkqfjka y÷kajkq ,nk& ÿrl:kh uÕska

,efnk b,a,Sï u; mokïj l,ska l, f;dr;=re iemhSu i|yd fyda wruqo,a mejÍu i|yd

.sKqï ysñhdf.a b,a,Su mßÈ nexl=j úiska tl`.ùu ie,ls,a,g f.k" ^zweu;=ïlreZ hkqfjka

y÷kajkq ,nk& tu f;dr;=re wfmaCId lrk fyda tu mejreï Wmfoia ,ndfok ;eke;a;df.a

wkkH;djh ;yjqrelr .ekSu nexl=jg fkdyels njg .sKqï ysñhd úiska iïmQ¾Kfhka

wjfndaO lrf.k" .sKqï ysñhd úiska my; oelafjk mßÈ fldkafoais úrys;j m%ldYlr tl`.j

isáhs'

(a) tu Wmfoia .sKqï ysñhd úiska ,nd§ we;ehs hk Wml,amkh iy úYajdih u; iajlSh

mru wNsu;h mßÈ tlS f;dr;=re ,nd§u i|yd fyda .sKqï ysñhdf.a tla .sKqul isg

.sKqï ysñhdf.a$.sKqï ysñhkaf.a ;j;a .sKqulg uqo,a udrelsÍu i|yd nexl=jg fuhska

n,h ,ndfok w;r" meyer yeÍulska f;drj nexl=j úiska ioaNdjfhka l%shdlr we;akï

ñi iDcqj fyda jl%j ta iïnkaOfhka isÿjk hï wys;lr m%;súmdlhla fya;=fjka

we;sjk hï mdvq fyda w,dN i|yd .sKqï ysñhd fj; nexl=j lsisu wdldrhlska j.lSug

ne£ fkdue;¦

(b) nexl=j úiska ioaNdjfhka l%shdlr we;akï iy iuia; meyer yeÍu ms<sn|j nexl=j

jrolre fkdfõ kï ñi weu;=ïlref.a wkkH;djh ;yjqrelr ne,Su i|yd nexl=j

úiska idOdrK mshjr .kq ,eìh hq;= kuq;a ÿrl:kh uÕska ,enqKq tlS b,a,Sïj,g

wkqj nexl=j úiska isÿlrk ,o hï ls%hdjla i|yd nexl=j úiska .sKqï ysñhdg fyda

fjk;a hï md¾Yajhla fj; lsisu wdldrhlska j.lSug ne£ fkdue;¦

(c) nexl=jg iy$fyda tys ks,OdÍkag tfrysj hï md¾Yajhla úiska f.k tkq ,eìh yels

ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN" msßjeh iy úhoïj,g tfrysj fyda tu

f;dr;=re nexl=j úiska iemhSfï§ fyda nexl=j úiska wruqo,a iemhSfï§ nexl=j iy$fyda

tys ks,OdÍka úiska isÿlrkq ,nk hï l%shdjla" lreKla fyda fohla fya;=fjka nexl=j

úiska iDcq fyda jl%j ú|ord.kakd ,o ish¨ kvq" kvq lghq;=" ysñlïmEï" mdvq" w,dN"

msßjeh iy úhoïj,g tfrysj ish¨ wjia:dj,§ nexl=j iy tys ks,OdÍka

ydksmQrKhlr ksoyiaj ;eîug ldâm;a ysñhd tl`.ù Ndrf.k isáhs¦

39

(d) nexl=j iy$fyda tys ks,OdÍka ioaNdjfhka l%shdlr we;akï iy iuia; meyer yeÍï

ms<sn|j jrolre fkdfõ kï ñi ta iïnkaOfhka ´kEu wdldrfhka iDcqj fyda jl%j

we;sjk hï mdvq fyda w,dN i|yd fyda nexl=j úiska lrk ,o hï mejÍula fyda nexl=j

iy$fyda tys ks,OdÍka úiska .sKqï ysñhdg ,ndÿka f;dr;=rela iïnkaOfhka nexl=j

iy$fyda tys ks,OdÍkag tfrysj .sKqï ysñhd úiska lsisu wdldrhlska ysñlïmEula l<

fkdyels njg .sKqï ysñhd tl`.ù isáhs'

Wlia lsÍfï fyda ys,õ lsÍfï nexl=fõ whs;sh

63.

lsishï fmdÿ ,shulg" lsishï wdldrhl .sKqul nexl=j fj; we;s iqrlaIs;hla uÕska mshjd

.ekSfï whs;shlg fyda fjk;a whs;shlg w.;s úrys;j iy Bg w;sf¾lj" nexl=j úiska ´kEu

wjia:djloS mQ¾j oekqïoSulska f;drj my; oE isÿ l< yels njg .sKqï ysñhd tlÕ fõ(

(a) hï .sKqul nerg fyda .sKqï ysñhdf.a kñka ;ksj fyda fjk;a ;eke;af;l= iu`.

yjqf,a hï .sKqul mj;sk ´kEu uqo,a j¾.hlska mj;sk ´kEu uqo,la ^ztlS uqo,aZ&

kshu fyda wyUq fyda j¾;udk fyda wkd.; iy" .sKqï ysñhd ;ksj fyda fjk;a

;eke;af;l= iuÕ yjqf,a Khj isáfha jqjo" ^ztlS Kh.e;s NdjhZ& lsishï wdldrhl

Kh.e;s Ndjhla fjkqfjka ^wdfoaY lsÍu i`oyd hï ;ekam;=jla tys l,amsÍfï Èkhg

fmr nexl=.; lsÍug wjYH jkafka jqjo& wdfoaY lsÍu" iy$ fyda¦

(b) tlS uqo,aj,ska lsisjla .sKqï ysñhdg f.úh hq;=j mj;sk úg iy fyda" tlS Kh.e;s

Ndjh wod< wjia:dfõoS tlS uqo,aj,g iudk fyda th blaujd hkafka kï" ta m%udKhg

b,a,d isá úfgl f.ùu m%;slafIam lsÍu'

64.

nexl=fõ whs;sjdislï .kqfokqlref.a urKh fyda ffk;sl wYlakq;djla fya;=fjka n,mEug

,la fkdjkq we;'

jHjia:dms; m%ldYh$úfoaY úksuh fr.=,dis

65.

foaYSh wdodhï fomd¾;fïka;=j úiska kshu lrkq ,nk wdldrhg .sKqï újD; lsÍfï wdlD;s

m;%fha .sKqï ysñhd úiska iajlSh nÿ ;;a;ajh ms<sn| jHjia:dms; m%ldYh iïmQ¾K l< hq;=h'

foaYSh wdodhï fomd¾;fïka;=j úiska ksYaÑ;j olajkq ,nk hï fmd,S wkqmd;slhla fyda

40

wkqmd;sl u; hï ld,iSudjla i|yd f.úh hq;= nÿ uqo,ska fmd,S f.ùï u; jQ /|jqï noao

nexl=j úiska wvqlrkq ,efí'

66.

fuys wka;¾.; ish¨ kS;sÍ;s iy fldkafoais" úfoaY úksuh md,kh flfrk ´kEu kS;shlg

iy$fyda l,ska l, ta hgf;a ilikq ,nk hï ksfhda.j,g úIh fõ'

foaYdka;r HSBC Premier fiajdjka

67.

l,ska l, nexl=j iy$fyda fjk;a hï idudðlhka úiska ;SrKh lrkq ,nk iy nexl=j úiska

iy fjk;a hï HSBC iuQy idudðlhka úiska fyda Tjqka úiska kï lrkq ,nk ;=kajk md¾YAj

úiska iDcqju imhkq ,nk nexl= wdY%s; fyda nexl= wdY%s; fkdjk Y%S ,xldj ;=< fyda Y%S

,xldfjka neyerj jQ nexl= muKla fkdj HSBC iuQy idudðlhka úiska msßkukq ,nk

.sKqï" fiajd" m%;s,dN" jdis" jrm%ido iy fjk;a iudk fiajdjka ^zfiajdZ hkqfjka y÷kajkq

,nk& fuu meflach hgf;a .sKqï ysñhd úiska N=la;s ú¢kq ,eìh yels fiajdj,g we;=<;afõ'

68.

meflach hgf;a msßkukq ,nk we;eï fiajd N=la;s ú£u i|yd .sKqï ysñhd ysñlï ,nkafkao

keoao hkak ;SrKh lsÍfï§ nexl=jg iy HSBC iuQy jHdmdrfha fjk;a idudðlhskag

myiqlï ie,eiaùu msKsi iy .sKqï ysñhd fuu myiqlï N=la;s ú£u i|yd fhda.H jk

wjia:djl§" .sKqï ysñhd fj; tlS myiqlï iemhSï i|yd nexl=jg iy HSBC iuQy jHdmdrfha

fuu idudðlhkag yelshdj ,efnkq msKsi" ^Kh f;dr;=re ksfhdað; wdh;kj,ska ,nd.kakd

f;dr;=re o we;=¿j& nexl=j iy fjk;a HSBC iuQy jHdmdrfha idudðlhska iuÕ mj;ajdf.k

hkq ,nk fyda Tjqkaf.ka ,nd.kakd mqoa.,sl f;dr;=re iy fjk;a Kh f;dr;=re we;=¿j

tajdg iSud fkdjkakdjQ .sKqï ysñhdg iy .sKqïj,g wod< ish¨ f;dr;=re yqjudrelr .ekSu

i|yd .sKqï ysñhd úiska nexl=j iy fuu HSBC idudðlhska fj; iïmQ¾Kfhka n,h mjrkq

,efí' nexl= Kh iy udiag¾ Kh ^my; w¾: ksrEmkh lr we;s& yd iïnkaO tajdg iSud

fkdjkakdjQ f;dr;=re o we;=¿j nexl=j úiska fuu myiqlï iemhSu iïnkaOfhka wjYH njg

i,lkq ,nk .sKqï ysñhdg iïnkaO ish¨ f;dr;=re ^wod< wêlrK m%foaYh we;=<; fyda bka

msg; jQ iy HSBC iuQy jHdmdrh we;=<; fyda bka msg;& nexl=j iy HSBC iuQy jHdmdrfha

ish¨ idudðlhska úiska Ndú; lsÍu i|yd" .nvd lsÍu" ilia lsÍu" wkdjrKh lsÍu iy

mejÍu i|yd .sKqï ysñhd úiska nexl=jg ;jÿrg;a n,h mjrkq ,efí'

41

69.

nexl=j fyda HSBC iuQy jHdmdrfha fjk;a hï idudðlhl= úiska wkHdldrhlska ;SrKhlr

we;akï ñi" HSBC iuQy jHdmdrfha fjk;a hï idudðlhl= úiska .sKqï ysñhd fj; msßkukq

,nk myiqlï iEu wjia:djl§ u nexl=j ^fyda wod< fõ kï HSBC iuQy jHdmdrfha fjk;a

hï idudðlhl= iuÕ& .sKqï ysñhdg meflachla fjkalr§ug iy mj;ajdf.k hEug hg;aj

úh hq;=h' fuu iEu tla tla myiqlula u nexl=j iy$fyda HSBC iuQy jHdmdrfha wod<

idudðlhd ^idudðlhka& úiska ksYaÑ;j olajkq ,nk we;eï kS;sÍ;s yd fldkafoaisj,g

hg;aúh hq;= w;r" tlS kS;sÍ;s iy fldkafoais uÕska ne£ isàug .sKqï ysñhd tl`.fjhs'

70.

nexl=j úiska msßkukq ,nk meflach i|yd .sKqï ysñhd fj; hï nexl= lghq;= fyda Kh

myiqlula we;=<;ajk wjia:djl§" iy tu Kh myiqlu iy nexl= lghq;= i|yd" f.úh hq;=

f.ùï ys`.j iy whúh hq;=j mj;sk wjia:dj,§ tlS nexl= lghq;= fyda Kh myiqlï wdmiq

f.ùfï j.lSu .sKqï ysñhd úiska meyer yer we;s wjia:djl§ ^znexl= KhZ hkqfjka y÷kajkq

,nk&" nexl=j fj; my; i|yka wdldrhg l%shdlsÍu i|yd .sKqï ysñhd úiska n,h mjrkq

,efí(

(a) nexl=j i|yd iy nexl=j fjkqfjka HSBC idudðlhl= úiska nexl= Kh tl;= lrkq

,eìh yelsh¦

(b) .sKqï ysñhdf.ka whúh hq;= ys`. uqo,a fyda fkdf.jd we;s uqo,a tl;= lr.ekSu i|yd

tl;= lsÍfï ksfhdað;hl= ̂ ksfhdað;hka& iy hï ;=kajk md¾Yaj fiajfha fhoùu i|yd

jQ HSBC idudðlhdf.a whs;sjdislu iy nexl=j fjkqfjka .sKqï ysñhd úiska ,nd§

we;s ydksmQrKh ish¨ ld¾h iïnkaOfhka nexl= Kh i|yd we;=<;a jkafkah¦

(c) nexl=j úiska ´kEu wjia:djl§ iy l,ska l, nexl=fõ Kh uqo,a iïmQ¾Kfhka fyda

tys hï fldgila ^fldgia& HSBC idudðlhl= fjkqfjka mjrd fokq ,eìh yelsh¦

(d) HSBC nexl= idudðlhd úiska iajlSh wkq.%yh i|yd jQ nexl= Kh mejÍula Ndrf.k

;ud fj; mjrd we;s tlS nexl= Kh iïnkaOfhka ;udf.a ys,õ lsÍfï whs;sh l%shd;aul

lrkq ,eìh yelsh¦

(e) .sKqï ysñhd úiska nexl= Kh mejÍu fya;=fjka ;udg we;s ish¨ whs;sjdislï iy tlS

mjrd ÿka Khj,g tfrysj HSBC idudðlhd i;= ys,õ lsÍfï whs;sh l%shd;aul lsÍfï

42

whs;sjdislï wod<j ish¨ kS;sÍ;s iy fr.=,dis uÕska wjir § we;s m%udKhg .sKqï

ysñhd úiska iajlSh whs;sjdislï w;ayßkq ,eìh yelsh¦ iy

(f) nexl= Kh whlr.ekSfï§ orkq ,nk idOdrK ffk;sl .dia;= iy fjk;a .dia;="

whlsÍï iy úhoï we;=¿j tajdg iSud fkdjkakdjQ nexl= Kh fya;=fjka fyda tys

m%;sM,hla jYfhka nexl=j iy HSBC idudðlhd úiska iDcqj fyda jl%j ork ,o fyda

jeh lrk ,o hï .dia;=" whlsÍï" mdvq iy úhoï i|yd o fuu 79 j.ka;sh wod<

jkafkah'

71.

.sKqï ysñhd fj; hï nexl=lrK fyda Kh myiqlï msßkeóu we;=¿j nexl=j úiska meflach

msßkukq ,nk wjia:djl§" tlS nexl=lrK fyda Kh myiqlï iïnkaOfhka ysÕj iy f.úh

hq;=j ^—nexl= Kh˜& ;sfnk wjia:djl§ .sKqï ysñhd úiska lrk ,o hï meyer yeÍul§ my;

lreKq i|yd wjir ,nd§ug .sKqï ysñhd tlÕ fõ(

(a) nexl=j i|yd iy nexl=j fjkqfjka HSBC idudðlhd úiska nexl= Kh tl;=

lrkq ,eìh yelsh¦

(b) .sKqï ysñhdf.ka whúh hq;= ys`. uqo,a fyda fkdf.jd we;s uqo,a tl;= lr.ekSu

i|yd tl;= lsÍfï ksfhdað;hl= ^ksfhdað;hka& iy ;=kajk md¾Yaj fiajfha

fhoùu i|yd jQ HSBC idudðlhdf.a whs;sjdislu iy nexl=j fjkqfjka .sKqï

ysñhd úiska ,nd§ we;s ´kEu ydksmQrK ld¾h iïnkaOfhka nexl= Kh i|yd

we;=<;a jkafkah¦

(c) nexl=j úiska ´kEu wjia:djl § iy l,ska l, nexl= Kh uqo,a iïmQ¾Kfhka

fyda tys hï fldgila ^fldgia& HSBC idudðlhd fjkqfjka mjrd fokq ,eìh

yelsh¦

(d) HSBC idudðlhd úiska iajlSh wkq.%yh i|yd jQ nexl= Kh mejÍula Ndrf.k

;ud fj; mjrd we;s tlS nexl= Kh iïnkaOfhka ;udf.a ys,õ lsÍfï whs;sh

l%shd;aul lrkq ,eìh yelsh¦

43

(e) wod< ish¨ kS;sÍ;s iy fr.=,dis uÕska wjir § we;s m%udKhg .sKqï ysñhd

úiska nexl= Kh mejÍu iïnkaOj Tyqg we;s ish¨ whs;sjdislï iy tlS mjrd

ÿka Khj,g tfrysj HSBC idudðlhd i;= ys,õ lsÍfï whs;sh l%shd;aul

lsÍfï whs;sjdislï .sKqï ysñhd úiska w;ayßkq ,eìh yelsh¦ iy

(f) idudðl Kh whlr.ekSfï § orkq ,nk idOdrK ffk;sl .dia;= iy fjk;a

.dia;=" whlsÍï iy úhoï we;=¿j tajdg iSud fkdjkakdjQ nexl= Kh fya;=fjka

fyda tys m%;sM,hla jYfhka nexl=j iy HSBC idudðlhd úiska iDcqj fyda

jl%j ork ,o fyda jeh lrk ,o hï .dia;=" whlsÍï" mdvq iy úhoï i|yd o

fuu 71 jk j.ka;sh wod< jkafka h'

72.

.sKqï ysñhd fj; hï nexl=lrK fyda Kh myiqlï msßkeóu we;=¿j nexl=j ^—HSBC

idudðlhd˜& yer HSBC iuQy jHdmdrfha hï idudðlhl= úiska meflach msßkukq ,nk

wjia:djl§" tlS nexl=lrK fyda Kh myiqlï iïnkaOfhka ysÕj iy f.úh hq;=j ^—

idudðl Kh˜& ;sfnk wjia:djl§ .sKqï ysñhd úiska lrk ,o hï meyer yeÍul§ my;

lreKq i|yd wjir ,nd§ug .sKqï ysñhd tlÕ fõ(

(a) HSBC idudðlhd i|yd iy fjkqfjka nexl=j úiska idudðl Kh tl;= lrkq

,eìh yelsh¦

(b) .sKqï ysñhdf.ka whúh hq;= ys`. uqo,a fyda fkdf.jd we;s uqo,a tl;= lr.ekSu

i|yd tl;= lsÍfï ksfhdað;hl= ^ksfhdað;hka& iy ;=kajk md¾Yaj fiajfha

fhoùu i|yd jQ nexl=fõ whs;sjdislu iy nexl=j fjkqfjka .sKqï ysñhd úiska

,nd§ we;s ´kEu ydksmQrK ld¾h iïnkaOfhka idudðl Kh i|yd we;=<;a

jkafkah¦

(c) HSBC idudðlhd úiska ´kEu wjia:djl § iy l,ska l, idudðl Kh uqo,a

iïmQ¾Kfhka fyda tys hï fldgila ^fldgia& nexl=j fjkqfjka mjrd fokq

,eìh yelsh¦

44

(d) nexl=j úiska iajlSh wkq.%yh i|yd jQ idudðl Kh mejÍula Ndrf.k ;ud

fj; mjrd we;s tlS idudðl Kh iïnkaOfhka ;udf.a ys,õ lsÍfï whs;sh

l%shd;aul lrkq ,eìh yelsh¦

(e) wod< ish¨ kS;sÍ;s iy fr.=,dis uÕska wjir § we;s m%udKhg .sKqï ysñhd

úiska idudðl Kh mejÍu iïnkaOj Tyqg$wehg we;s ish¨ whs;sjdislï iy

tlS mjrd ÿka Khj,g tfrysj nexl=j i;= ys,õ lsÍfï whs;sh l%shd;aul lsÍfï

whs;sjdislï .sKqï ysñhd úiska w;ayßkq ,eìh yelsh¦ iy

(f) idudðl Kh whlr.ekSfï § orkq ,nk idOdrK ffk;sl .dia;= iy fjk;a

.dia;=" whlsÍï iy úhoï we;=¿j tajdg iSud fkdjkakdjQ nexl= Kh fya;=fjka

fyda tys m%;sM,hla jYfhka nexl=j iy HSBC idudðlhd úiska iDcqj fyda

jl%j ork ,o fyda jeh lrk ,o hï .dia;=" whlsÍï" mdvq iy úhoï i|yd o

fuu 72 jk j.ka;sh wod< jkafka h'

73.

nexl=j fj; fyda HSBC iuQy jHdmdrh i|yd .sKqï ysñhd úiska f.úh hq;= hï uqo,lska hï

wvqlsÍula fyda r|jd ;nd.ekSula isÿlsÍu i|yd hï wod< kS;sÍ;s fyda fr.=,dis uÕska ^HSBC

iuQy jHdmdr hï idudðlhl= úiska imhk ,o myiqlula N=la;s ú¢kq ,nk wêlrK

n,m%foaYh ;=< jQ kS;sÍ;s iy fr.=,dis we;=¿j& .sKqï ysñhd fj; kshulr isákq ,nk

wjia:djl§" tu wvqlsÍu fyda r|jd ;nd.ekSu ms<sn| j.lSu" .sKqï ysñhdf.a j.lSu jk w;r"

Y=oaO f.ùu tu wvqlsÍu fyda r|jd ;nd.ekSfuka miqj" tfia hï wvqlsÍula fyda r|jd .ekSula

isÿ fkdlr nexl=j fyda HSBC iuQy jHdmdrfha hï idudðlhl=g ,efnk uqo,g iudk úh

hq;=h' kshñ; ld,iSudj we;=<; wod< wêldßh fj; tu wvqlsÍu fyda r|jd ;eîu i|yd jQ

uqo,a f.ùug ie,eiaùu .sKqï ysñhdf.a mru j.lSu jk w;r" .sKqï ysñhd úiska tfia lsÍug

wfmdfydi;aùfï§ isÿjk ish¨ m%;súmdl iïnkaOfhka .sKqï ysñhd úiska nexl=j iy HSBC

iuQy jHdmdrfha wfkl=;a idudðlhska ydksmQ¾Khlr ksoyiaj ;eìh hq;=h'

74.

fuys wka;¾.; ish¨ kS;sÍ;s iy fldkafoais" úfoaY úksuh md,kh flfrk ´kEu kS;shlg

iy$fyda l,ska l, ta hgf;a ilikq ,nk hï ksfhda.j,g úIh fõ'

45

75.

bf,lafg%dkslj nexl=lrK lghq;= ld¾hCIu wdldrfhka isÿ lsÍu i|yd Ndú; lsÍug yels

jkq msKsi .sKqulg Global View Access myiqlu we;=<;a lr we;s wjia:djl" tjeks

myiqlula Ndú; lsÍu" nexl=fõ ´kEu YdLdjlska b,a¨ï l< úfgl msgm;a jYfhka ,nd.;

yels iy fmdÿ fjí wvúfhka ,nd.; yels nexl=fõ tlS myiqlu i|yd jk úfYaIs; kS;sÍ;s

iy fldkafoaisj,g úIh jk w;r" Global View Access we;s .sKqï ysñhd fuu kS;sÍ;s iy

fldkafoais iuÕ tlS kS;sÍ;s iy fldkafoais iïnkaO lr lshjd ne,sh hq;= fõ'

.sKqï ysñhl= úiska Global View yryd isÿ lrk ,o .kqfokq iïnkaOfhka mek kef.k

lsishï u;fNaohla nexl=j úiska úu¾Ykh lrkq we;s w;r" nexl=j iEySulg m;ajk whqßka

wkHdldrhlska m%;HCI fkdjqjfyd;a" fuu l%ufõoh yryd isÿlrk ,o ´kEu .kqfokqjl

j.lSu .sKqï ysñhd i;= jkq we;'

idudkH

76.

(a) nexl=jg mj;skq we;s lsishï whs;shlg w.;s úrys;j" fuu kS;sÍ;s yd fldkafoais

hgf;a fyda wkHdldrhlska fyda nexl=j úiska .sKqï ysñhd$ysñhka fj; imhk hï

nexl= fiajdjka .dia;=" msßjeh" whlsÍï" fmd,S fyda nexl=jg orkakg isÿjk fjk;a

wod< úhoïj,g hg;a jkq we;s njg .sKqï ysñhd$ysñhka tl`. fjhs'

(b) nexl=j úiska ´kEu wjia:djl mQ¾j oekqïoSulska f;drj tu .dia;=" msßjeh" whlsÍï"

fmd,S fyda nexl=jg orkakg isÿjk iy $fyda" .sKqï ysñhd$ysñhka nexl=fõ

mj;ajdf.k hk .sKqulska$.sKqïj,ska isÿlrk nexl= .kqfokq wj,x.= lsÍu" úfoaY

úksuh" fmd,S wkqmd;" mdßfNda.sl NdKav fyda fjk;a hï wjir,;a j;alï fY%aKs

iïnkaO ie,iqï yd fiajdjka" tu ie,iqï yd fiajdjka ys iajNdjh fkd;ld" iy

.kqfokq lsÍfï wdldrh fkd;ld" wj,x.= lsÍu iy$fyda ixfYdaOkh iy$fyda

oaú;ajlrKh o we;=<;aj tfy;a Bg iSud fkdù" lsishï fya;=jla u; .sKqï

ysñhd$ysñhka úiska nexl=j fj; f.úh hq;= jk fjk;a wod< úhoï yr lsÍug .sKqï

ysñhd$ysñhka jeäÿrg;a tl`. fjhs'

46

77.

úúO úêúOdk

i. tl;= lsÍfï ksfhdað;hd' .sKqï ysñhdf.a ys`. uqo,a fyda f.úh hq;= uqo,a tl;=lsÍu

i|yd nexl=j úiska hï ;=kajk md¾Yaj fiajfha fhoúh yelsh' tu ys`. uqo,a fyda

whúh hq;= uqo,a tl;= lsÍfï§ orkq ,nk ^ffk;sl .dia;= o we;=¿j& msßjeh iy úhoï

iïnkaOfhka .sKqï ysñhd úiska nexl=j ydksmQrKhlr ksoyiaj ;eìh hq;=h'

ii. má.; lsÍu' fiajd imhk ld,h ;=<§" nexl=jg ^fyda tys ksfhdað;hdg& .sKqï

ysñhdf.ka ,efnk jdÑl Wmfoia iy$fyda fiajd iïnkaOfhka .sKqï ysñhd iy nexl=j

^fyda tys ksfhdað;hd& w;r we;sjk hï jdÑl ikaksfõokhla má.;lsÍug wjYHúh

yelsh ^kuq;a tfia lsÍug ne£ fkdue;&'

iii. w;ayeÍï iy m%;sl¾u' fï hgf;a jQ hï whs;sjdislï" n,;, fyda jrm%ido l%shd;aul

lsÍfï§ nexl=j uÕska isÿjk hï wfmdfydi;aula fyda m%udoùula tajd w;ayeÍula f,i

l%shd;aul fkdúh hq;= fukau tys hï ;ks fyda fldgia jYfhka jQ wfmdfydi;aula

fyda m%udoùula uÕska tajd ;jÿrg;a l%shd;aulùula fyda fjk;a hï whs;sjdislula"

n,;, fyda jrm%ido l%shd;aulùu j,lajd,Sula isÿ fkdúh hq;=h' fuys i|yka nexl=j

fj; imhd we;s m%;sl¾u wkkH f,i i,lkq fkd,eìh hq;= fukau iEu tla tla

m%;sl¾uhla u taldnoaO f,i i,lkq ,eìh hq;= w;r" tu m%;sl¾u fï hgf;a fyda hï

m%{ma;shla fyda wkHdldrhlska kS;sh fyda iudkd;au;djh hgf;a oeka fyda ñka u;=

mj;sk hï fok ,o fjk;a iEu m%;sl¾uhlgu w;sf¾lj úh hq;=h'

iv. w¾O jYfhka jQ wj,x.=Ndjh' fuys wka;¾.; hï úêúOdkhla hï wod< kS;shla

hgf;a kS;súfrdaë njg" j,x.= fkdjk njg fyda n,d;aul fkdjk njg ;SrKh lrkq

,enqjfyd;a fyda úksYaph lrkq ,enqjfyd;a" tu kS;s úfrdaënj" wj,x.= nj fyda

n,d;aul fkdjk nj" mQ¾K n,d;aul Ndjhlska" j,x.= iy l%shd;aul ;;a;ajfhka

mj;sk fuys i|yka fjk;a úêúOdkj,g n,fkdmE hq;=h'

v. nexl=fõ md,khg mßndysr ùfuka wfmdfydi;aùu' nexl=fõ ^iDcq fyda jl%& md,khg

mßndysr hï fya;=jla ksid hï fiajhla iemhSu i|yd fkdyelsùu fyda m%udoùu

ke;akï fï hgf;a jQ hï ne£ula bgqlsÍug fkdyelsùu fyda m%udoùu ms<sn|j nexl=j

j.lSug ne£ ke;'

47

vi. ksfhdað;hka m;alsÍu' fï hgf;a jQ nexl=fõ j.lSï bgqlsÍfï ld¾h i|yd nexl=j

úiska hï ksfhdað;hl=" fiajd imhkakl= fyda Wm-fldka;%d;alrejl= m;alrkq ,eìh

yelsh'

vii. nexl=j úiska whs;Ska mjrdoSu' .sKqï ysñhd fj; ,sÅ;j oekaùula ,ndoSu uÕska" nexl=j

úiska ´kEu wjia:djl oS fï hgf;a mj;sk iajlSh whs;sjdislï lsisjla fyda ish,a,

hï ;eke;af;l=g mjrdoSu fyda mejÍu isÿl< yelsh' tfia mjrdoSu fyda mejÍu tu

oekaùfuys olajd we;s n,d;aul jk Èkfha isg n,d;aul jkq we;s w;r" bka miqj

nexl=j tu whs;sjdislï" m%;s,dN iy$fyda ne`oSïj,ska ksoyia jkq we;'

viii. uqødj hkdÈh ke;sùu' fiajd iïnkaOfhka fyda fiajd Ndú;h iïnkaOfhka nexl=j

fj; Wmfoia iemhSu i|yd Ndú; lrkq ,nk hï wkkH;d f,aLk" uqødj fyda fj<|

,l=K ke;sù we;s wjia:djl§" .sKqï ysñhd úiska jydu nexl=j fj; ta ms<sn|j

oekqïÈh hq;=h' tu ,sÅ; ksfõok nexl=j fj; ,eîug fmrd;=j lrk ,o lsisu

f.ùula ms<sn|j nexl=j j.lshkq fkd,efí'

ix. l,a msÍug fmr ;j;a ;ekam;= iuÕ taldnoaO lsÍug iy l,a msÍug fmr oekg mj;sk

;ekam;=jl uqo, by< oeóu i`oyd bj;a lr.ekSu o we;=<;aj hï fya;=jla u; l,a

msÍug fmr ;ekam;= wdmiq .ekSula o ov .dia;=j,g hg;a jkq we;' ov uqo, nexl=fõ

wNsu;h mßÈ ;SrKh flfrkq we;s w;r" uq,a ;ekam;= uqo, wvq jk wdldrfhka th uq,a

;ekam;= uqo,ska wvq lr.ekSug yelsh' nexl=fõ mQ¾K wNsu;h mßÈ" l,amsÍfï Èkhg

fmr uqod yßkq ,nk ;ekam;=" nexl=fõ .dia;= f,aLkfhys olajd we;s ov whlsÍïj,g

úIh fõ'

78.

wjqreÿ 7la olajd muKla jQ hï ld,iSudjla i|yd nexl=j úiska ish¨ .sKqïj,g wod< m%ldYk"

jjqp¾" uqo,a wdmiq .ekSfï$uqo,a ;ekam;a lsÍfï ßisÜm;a" fplam;a fyda fjk;a hï .kqfokq

jd¾;dj, msgm;a Ndrfha ;nd.kq ,efí' tlS wjqreÿ 7l ld,iSudfjka miqj tlS ish¨ jd¾;d

úkdY lrkq ,nk w;r" tu wjqreÿ 7 ld,iSudfjka miqj tu m%ldYk fyda .kqfokqj, msgm;a

iemhSu i|yd nexl=j lsisu ne£ula fyda j.lSula Ndr fkd.kS'

48

79.

meflach hgf;a imhkq ,nk hï ie,iqï fyda fiajd iy fï hgf;a jQ kS;sÍ;s iy fldkafoais

fyda hï ie,iqï fyda fiajd i|yd wod< kS;sÍ;s iy fldkafoais iïmQ¾Kfhka u fyda ta i|yd

hï fldgila w¨;ska tl;= lsÍu" m%;sfYdaOkh" ixfYdaOkh fyda wj,x.= lsÍfï whs;sh nexl=j

i;= fõ' tlS w¨;ska tl;= lsÍï" m%;sfYdaOkh" ixfYdaOk fyda wj,x.= lsÍï fyda fjkia lsÍï

,sms uÕska iy$fyda m%ldYkh iuÕ weuqKqï f,iska iy$fyda nexl= YdLdj, oekaùï mqjrej,

oekaùï uÕska iy nexl=fõ fjí wvúh jk www.hsbc.lk ys oekaùula f,i m%ldYhg m;alsÍu

uÕska .sKqï ysñhdf.a wjOdkhg fhduq l< wjia:dfõ isg n,d;aul jk fukau .sKqï ysñhd

úiska ne£ isàu isÿjkafka h'

80.

meflach iïnkaOfhka nexl=j fj; ,ndfok ,o ish¨u f;dr;=re .sKqï ysñhdf.a Wmßu

oekSug wkqj ksjerÈ njg .sKqï ysñhd ;yjqre lrk w;r" .sKqï ysñhdf.a ,smskfhys

fjkiaùula o we;=<;aj kuq;a Bg iSud fkdù" ta iïnkaOfhka fjkiaùula we;s jqjfyd;a jydu

,sÅ;j nexl=j fj; oekqï oSug Ndr.kshs'

81.

nexl=fõ m%Odk ld¾hd,fha" HSBC YdLd ld¾hd,j, hï n,h,;a ;eke;a;l= iy HSBC nexl=

iuQyfha fjk;a idudðlhka$wdY%s; idudðlhka fyda hï o;a; ilialsÍfï fiajd imhkakl=

fyda .sKqï m%ldY uqøKh iy ;eme,a lsÍu i|yd nexl=j úiska fhdojd we;s hï ;eke;a;l=

úiska mßmd,k iy wNHka;r wëCIK wjYH;d i|yd o;a; iïfm%AIKh" .nvdlsÍu" iy$fyda

tajdg m%fõYùu wjYHjk njg i,lk wjia:djl § tu o;a; fiajd neyeßka ,nd.ekSu iy

uqøKh lsÍu fyda iemhSu we;=¿ nexl=j úiska iajlSh idudkH jHdmdr lghq;= mjrd we;s hï

;eke;a;l= úiska .kqfokqlreg wod< .sKqï f;dr;=re we;=¿ ish¨ f;dr;=re iïfm%aIKh lsÍu

iy$fyda .nvd lsÍu fyda hï uOHia:dkhl ;nd.ekSu iy ta i|yd m%fõYùu lrkq ,eìh

yels njg .sKqï ysñhd úiska tl`.j ms<sf.k isákq ,efí' tfia jqjo UK iy EU úOdkj,g

wod< hï kS;shla m%ldrj fuu úêúOdk iïnkaOfhka .nvdlr we;s f;dr;=re ,nd.ekSu

i|yd .kqfokqlreg ysñlula ;sìh hq;=h'

82.

i. fjk;a .sKqï iïnkaOfhka jQ m%j¾Ok fiajdjka" jrKSh kshuhka" jrKSh fmd,S

wkqmd;sl iy$fyda úfYaI m%j¾Olhka we;=¿j úúO úfYaIdx. we;s fY%aKs tlla fyda

jeä .Kkla nexl=j úiska l,ska l, kï lrkq ,eìh yelsh' .sKqï ysñhdf.a b,a,Su

49

mßÈ fyda nexl=fõ mru wNsu;h mßÈ HSBC Premier cx.u .sKqula orkq ,nk hï

.sKqï ysñhl= fj; nexl=j úiska ^tfia lsÍug ne£ fkdisáh o& hï fY%aKshla mjrd Èh

yelsh' nexl=j úiska hï .sKqï ysñhl= fj; fY%aKshla ,ndfok wjia:djl § .sKqï

ysñhdf.a b,a,Su mßÈ fyda nexl=fõ mru wNsu;h mßÈ nexl=j úiska ´kEu wjia:djl

§ fyda l,ska l, tu fY%aKsh fjkia lsÍu fyda bj;a lsÍu lrkq ,eìh yelsh' .sKqï

ysñhdf.a b,a,Su mßÈ fyda nexl=fõ mru wNsu;h mßÈ tfia fjkalrk ,o hï fY%aKshla

fjkalr§u fyda wdmiq ,nd.ekSu ks;ru nexl=fõ wjidk ;SrKhg hg;a j l,ska

fjkalr fok ks¾kdhlj,g wkqj isÿlrkq ,eìh hq;=h' fuu ks¾kdhl i|yd nexl=j

iuÕ .sKqï ysñhd úiska ;ekam;a lr we;s j;alïj, jákdlu iy$fyda nexl=j úiska

l,ska l, .sKqï ysñhdg m%odkh lrkq ,nk Kh iSud uqo, we;=<;ajk w;r" tu

ks¾kdhl nexl=fõ ;SrKh wkqj fjkiaùug hg;a jkafkah' fY%aKs yd iïnkaO jvd;a

hdj;ald,Sk lrk ,o ks¾kdhl iy fjk;a f;dr;=re b,a,Sula lsÍfï§ nexl=fjka

,nd.; yel'

ii. HSBC Premier .sKqug wod<j bÈßm;alrkq ,nk úfYaIdx. iy nexl=j úiska whlrkq

,nk .dia;= iy whlsÍï fY%aKsj,g wod<j iy iudk fY%aKsh ;=< u mjd fukau tu

fY%AKsh i|yd jQ mj;akd ks¾kdhl wkqj iEySug m;aúh yels mßÈ .sKqu mj;ajdf.k

hEu u; fjkiaúh yelsh' ´kEu wjia:djl § iy l,ska l, tla tla fY%AKsh ;=< we;s

úfYaIdx. fjkialsÍu i|yd o nexl=jg ysñlula ;sìh hq;=h'

iii. tu fY%AKsh mj;ajdf.k hEu i|yd iy$fyda tu fY%aKshg wod< úfYaIdx. N=la;s ú£u

i|yd .sKqï ysñhd úiska bgq l< hq;= ks¾kdhl iuQyhla iy$fyda fldkafoais iuQyhla

tla tla fY%AKsh i|yd we;' tu úfYaIdx. .sKqï ysñhd úiska Ndú;h iy N=la;s ú£u

md,kh lrkq ,nk kS;sÍ;s iy fldkafoais tla tla úfYaIdx.h i|yd o we;' 82(i) iy

82(ii) jk j.ka;sj,g w.;shla fkdjk mßÈ" hï fY%aKs fjkalsÍula fyda fjkia

lsÍulska miqj" tu fY%aKsh mj;ajdf.k hEu i|yd n,mj;akd ish¨ ks¾kdhl iy$fyda

tu fY%aKsfha we;s úfYaIdx. N=la;s ú£u ms<sn| kS;sÍ;s iy fldkafoais iuÕ

iïmQ¾Kfhka u iEySug m;aúh yels njg iy$fyda tu kS;sÍ;s iy fldkafoais

wkq.ukh lrkq ,nk njg iy;slùu .sKqï ysñhdf.a mru j.lSu fõ' tfia jqjo

fY%aKshla iïnkaO ish¨ mj;akd ks¾kdhl imqrd,Su fyda .sKqï ysñhd úiska tfia

lsÍug fkdyelsùu hï fY%aKshla fjkalr §u" fjkia lsÍu fyda wdmiq ,nd.ekSu

wj,x.= lsÍfï nexl=fõ wêldÍ n,h ms<sn| whs;shg lsisu whqrlska n,mEula fyda

w.;shla fkdúh hq;af;ah'

50

iv. hï fY%aKshla fjkalr§u" fjkia lsÍu fyda wdmiq ,nd.ekSu ms<sn| nexl=j iajlSh

wNsu;h l%shd;aullr weoao keoao ms<sn|j nexl=j úiska idOdrK njg i,lkq ,nk

hï l%uhlska .sKqï ysñhd fj; ksfõokh lrkq ,eìh hq;=h' nexl=j úiska

wkHdldrhlska ;SrKh lrhs kï ñi iy ta iïnkaOfhka ;jÿrg;a jQ ksfõokhla

,nd§ug nexl=j ne£ ke;akï ñi" .sKqï ysñhd úiska N=la;s ú¢kq ,nk ish¨ úfYaIdx.

iajhxl%Shj m%odkh lsÍu" wjika lsÍu fyda wkHdldrhlska ilia lsÍu isÿjkafkah'

v. tu úfYaIdx. yd iïnkaOj .sKqï ysñhd úiska nexl=j fj; orkq ,nk ish¨ ne£ï iy

j.lSï iïmQ¾Kfhka f.jd wjika lrkq ,nk f;la iy imqrd,k f;la" .sKqï ysñhl=

fj; fjkalr§ we;s fY%aKs fjkia lsÍulg wkqj" tu fY%aKs fjkia lsÍfï m%;sM,hla

jYfhka wjika lrk ,o hï úfYaIdx.hla Ndú; lsÍu md,kh lrkq ,nk wod<

jkakd jQ fuu kS;sÍ;s iy fldkafoais fukau fjk;a kS;sÍ;s yd fldkafoais uÕska .sKqï

ysñhd ne£ isáh hq;=h' fuu wod< kS;sÍ;s iy fldkafoais fukau fY%aKsh fjkalr§fï

m%;sM,hla jYfhka .sKqï ysñhd úiska N=la;s ú¢kq ,nk hï w¨;a fyda w;sf¾l

úfYaIdx. Ndú;h md,kh lrkq ,nk fjk;a hï kS;sÍ;s yd fldkafoais uÕska .sKqï

ysñhd úiska jydu ne£ isáh hq;=h'

vi. fY%aKshla mjrd§u fyda wdmiq ,nd.ekSu iïnkaO úfYaIdx. m%odkh lsÍfï" wjika

lsÍfï fyda ilia lsÍfï fya;=fjka .sKqï ysñhl= úiska ork ,o hï mdvqjla fyda hï

wmyiq;djla we;=¨j tajdg iSud fkdjkakd jQ o" .sKqï ysñhl=g fY%aKshla mejÍu fyda

.sKqï ysñhl=f.ka fY%aKshla wdmiq ,nd§u fyda tfia mjrd ÿka fY%aKshla fjkia lsÍu

fya;=fjka .sKqï ysñhl= úiska ork ,o hï mdvqjla fyda hï wmyiq;djla ms<sn|j

nexl=j hg;aùu fyda j.lSug ne£ isàu fkdl< hq;af;ah'

vii. .sKqï ysñhdg fjkalr § we;s fY%aKsh fmkakqï lrkq ,nk .sKqï ysñhl= ^wod< fõ

kï& fj; nexl=j úiska ksl=;a lrk ,o hï ldâm;la fyda y÷kd.ekSula .sKqï

ysñhdf.a fY%aKsh y÷kd.ekSu myiqlsÍu i|yd muKla fõ' m%lg jrola yer ´kEu

wjia:djl § .sKqï ysñhd fj; mjrd we;s fY%aKsh ms<sn| nexl=fõ jd¾;d ;SrKd;aul

jkafkah'

viii. nexl=j úiska ksYaÑ;j olajd we;akï ñi fY%aKshla b,a,d wialr.ekSu HSBC Premier

.sKqu Ndú;h fyda fufyhùu i|yd n,fkdmdkafkah'

51

83.

2006 wxl 5 ork uqo,a úY=oaêlrK mk; ^PMLA), 2006 wxl 6 ork uQ,H .kqfokq jd¾;d

mk; ^FTRA), iy ta yd iïnkaO wdY%s; ud¾f.damfoaY iy úOdk m%ldrj iy 1988 wxl 30

ork Y%S ,xld nexl= mk; m%ldrj w;ayer ouk ,o foam, iïnkaOfhka jQ ud¾f.damfoaY iy

úOdk we;=¨j by; lS 1988 wxl 30 ork nexl= mk; hgf;a Y%S ,xld uy nexl=fõ uqo,a

uKav,h úiska ksl=;a lrkq ,nk ksfhda.j, úêúOdk iuÕ iy tlS 1988 wxl 30 ork nexl=

mk;g tl`.j nexl=j úiska l%shdlrk njg .kqfokqlre wjfndaO lrf.k isáhs'

84.

by; lS wdldrhg kshu lrkq ,eìh yels úêúOdkj,g iy Y%S ,xldfõ n,m;%,dNS jdKsc

nexl=jlg wod< ish¨ kS;s" úOdk iy ud¾f.damfoaYj,g tl`.j nexl=j úiska ish¨ wjia:dj,

§ l%shdlrkq ,nk njg .kqfokqlre tl`. fõ'

85.

fuu kS;sÍ;s iy fldkafoaisj, bx.%sis iy oñ< mßj¾;k nexl=fõ ^www.hsbc.lk& ork fjí

wvúfha nexl=j i;=j mj;sk w;r tys uqøs; msgm;a nexl=fõ ish¨ ld¾hd, iy$fyda YdLd

ld¾hdj,ska ,nd.; yel' fuu kS;sÍ;s iy fldkafoaisj, isxy, iy oñ< NdId mdG w;r hï

wkkql+,;djhla we;sjqjfyd;a túg bx.%sis NdId mdGh n,meje;aúh hq;= njg .kqfokqlre

iy;sl ù tl`.j isáhs'

yjq,a .sKqï

86.

.sKqï ysñhka ixhqla;jk ;eke;a;kaf.ka lsishï wfhl= ñh.sh wjia:djl § tlS yjq,a .sKqfï

nerg we;s uqo,a Ôj;aj isák .sKqï ysñhdg fyda .sKqï ysñhkag fnodyefrkq we;s w;r"

fufyhqï Wmfoiaj,g wkqj uqo,a f.ùu iïnkaOfhka lsisÿ yjq,a .sKqï ysñfhl= nexl=j

j.lSug hg;a fkdl< hq;= h'

.sKqï ysñhka fofokdf.ka tla wfhl= fyda lsisfjl=f.a urKh ms<sn| oekqï§u nexl=j fj;

,enqKq miqj" nexl=j úiska Ôj;aj isák .sKqï ysñhd fyda ysñhka fj; fyda tu .sKqï ysñhdf.a

kshuh mßÈ tlS ́ kEu wdldrhl .sKqfï fyda .sKqïj, nerg mj;sk ish¨u uqo,a" iqrlaIs;hka"

Tmamq" f,aLk yd fjk;a ´kEu wdldrhl hï foam,la f.ùfuka fyda Ndr§fuka miqj nexl=j

.sKqï ysñhd$ysñhka fj; mj;sk ne£ïj,ska iïmQ¾Kfhka ksoyia jk njg .sKqï

52

ysñhd$ysñhka tl`. fõ' fjk;a whqrlska .sKqu u; mj;sk whsrd fyda fjk;a hï ne£ula

iEu yjq,a .sKqï ysñhl=f.a u tla j yd fjka fjka j mj;sk j.lSula jkq we;'

lsishï .sKqula iïnkaOfhka yjq,a .sKqï ysñhkaf.ka tla wfhl= fyda jeä fofkl= ^kuq;a

ish,a, u fkdfõ& fï hgf;a .sKqï ysñhkaf.ka hful= fj; n,h ,nd§fï hï fjkialsrSula

fyda wj,x.= lsÍula isÿl< wjia:djl§" nexl=j úiska iajlSh wNsu;h mßÈ bka wk;=rej tlS

.sKqu ish¨u yjq,a .sKqï ysñhka úiska yjqf,a fufyhúh hq;= njg kshu l< yelsh'

.kqfokqlref.a f;dr;=re tl;=lsÍu" ieliqu yd yqjudre lr.ekSu

tl;=lsÍu

87.

HSBC fyda HSBC iuQyfhys fjk;a idudðlhka .kqfokqlref.a f;dr;==re ^.kqfokqlre"

.kqfokqlref.a .kqfokq" .kqfokqlre úiska HSBC ys ie,iqï yd fiajdjka Ndú;h iy HSBC

iuQyh iu`. .kqfokqlref.a iïnkaOh ms<sn`o wod< f;dr;=re o we;=<;aj& tl;= lsÍu" Ndú;

lsÍu yd yqjudre lr.ekSu isÿl< yel' .kqfokqlref.a f;dr;=re .kqfokqlre fj;ska b,a,d

isáh yels w;r" ke;fyd;a fjk;a uQ,dY%hlska ^fmdÿfõ ,nd.; yels f;dr;=re o we;=<;aj&

HSBC fyda HSBC iuQyfha fjk;a idudðlfhl= fj; ,nd.; yelsj we;s fjk;a f;dr;=re

iu`. W;amdÈ; fyda iïnkaê;j HSBC úiska fyda HSBC iuQyfha idudðlfhl= úiska fyda ta

fjkqfjka tl;=lr .; yelsh'

ieliqu

88.

HSBC iy$fyda HSBC iuQyfha idudðlfhl= úiska my; oelafjk wruqKq i`oyd

.kqfokqlref.a f;dr;=re ieliSu" udrelsÍu" yd fy<sorõ lsÍu isÿlrkq we;(

(a) .kqfokqlre úiska b,a,d isák ,o fyda wjir fok ,o hï .kqfokqjla i`oyd fiajdjka

iemhSu"

(b) wkql+,j l%shdlsÍfï ne`oSï bgqlsÍu"

(c) uQ,H wmrdO wjodkï l<ukdlrK l%shdldrlï isÿlsÍu"

(d) .kqfokqlre fj;ska whúh hq;= hï uqo,la tl;=lr .ekSu"

53

(e) Kh mÍlaId isÿlsÍu yd Kh f;dr;=re ,nd.ekSu fyda iemhSu"

(f) HSBC fyda HSBC iuQyfhys idudðlfhl=f.a whs;Ska n,d;aul lsÍu fyda wdrlaId

lsÍu"

(g) HSBC fyda HSBC iuQyfhys wNHka;r fufyhqï wjYH;d i`oyd ^Kh yd wjodkï

l<ukdlrKh" moaO;s fyda ie,iqï ixj¾Okh yd ie,iqï lsÍu" rlaIKh" ú.Kkh

yd mßmd,k wruqKq o we;=<;aj" Bg iSud fkdù&"

(h) mdßfNda.slhd iu`. HSBC ys iuia; iïnkaO;djh mj;ajdf.k hdu ^uQ,H fiajd fyda

Bg wod< ksmehqï .kqfokqlreg wf,úh fyda m%j¾Okh lsÍu iy fj<`ofmd, iólaIK

o we;=<;aj& ^zwruqKqZ&'

fnod-yod .ekSu

89.

HSBC úiska ^wruqK i|yd wjYH jk mßÈ yd iqÿiq mßÈ& my; ,enqïlrejka fj;

.kqfokqlref.a f;dr;=re udrelsÍu fyda fy<sorõ lsÍu l< yels njg fiajdjka Ndú; lsÍu

uÕska .kqfokqlrejd tl`. fjhs' ^wruqKq i`oyd mdßfNda.sl f;dr;=re ieliSu" udrelsÍu yd

fy<sorõ lsÍu Tjqka úiska o isÿ l< yelsh&(

(a) HSBC iuQyfha ´kEu idudðlfhl=¦

(b) HSBC iuQyfha hï Wm-fldka;%d;alrefjl=" ksfhdað;fhl=" fiajd imhkafkl=" fyda

iïnkaê; wdh;khla ^Tjqkaf.a fiajlhska" wOHlaIjreka yd ks,OdÍka we;=<;aj&¦

(c) .kqfokqlre" f.ùï ,enqïlrejka" w¾:,dNSka" .sKqï kdñlhska" w;rueÈ yd ksfhdað;

nexl=" ksYaldYk wdh;k" ksIaldYk fyda mshùfï moaO;s" fj<`ofmd, m%;smd¾Yajhka"

r`ojd.ekSfï ksfhdað;hska" yqjudre fyda fj<`o uQ,dY% fldgia yqjudre" .kqfokqlreg

iq/l=ïm;a ^tu iq/l=ïm;a .kqfokqlre fjkqfjka HSBC úiska ork wjia:djl oS&

ms<sn`o whs;shla we;s iud.ï fjkqfjka l%shdlrk hï lsisfjl=¦

(d) fiajdjka ys oS fyda fiajdjka iïnkaOfhka whs;shla ,nd.kakd fyda wjodkula

Ndr.kakd hï md¾Yajhla¦

54

(e) Kh f;dr;=re ,nd.ekSu yd imhdoSu i`oyd fjk;a uQ,H wdh;k" Khjr fhduq

ksfhdað; wdh;k" fyda Kh f;dr;=re ld¾hdxY" ú.Kljreka$nÿ WmfoaYljreka¦

(f) .kqfokqlreg j;alï l<ukdlrK fiajdjka imhk hï f;jk md¾Yajhl wruqo,a

l<ukdlrefjl=¦

(g) HSBC úiska y`ÿkajdoSï fyda f;dr;=re imhk hï y`ÿkajdoSfï w;rueÈfhl=¦

(h) hï HSBC jHdmdr udrelsÍï" w;yeÍï" taldnoaOùï fyda w;am;a lr.ekSï yd

iïnkaOfhka¦

fiajdjka imhkq ,nk n,m%foaYhka yd iudkj hï uÜgul wdrlaIdjla imhk o;a; wdrlaIK

kS;s fkdue;s n,m%foaYhka ys msysgd ;snqK o" tajd o we;=<;aj'

.kqfokqlref.a ne£ï

90.

HSBC fj; fyda HSBC iuQyfha hï idudðlfhl= fj; imhd we;s mdßfNda.sl f;dr;=rej,

hï fjkila isÿj we;akï l,ska l,g" ljr wjia:djl oS jqjo Èk 30la ;=< jydu HSBC fj;

,sÅ; j oekqïoSug o HSBC fyda HSBC iuQyfha hï idudðlfhl= fj;ska ,efnk hï

b,a,Sulg m%;spdr oelaùug o .kqfokqlre tl`. fjhs'

91.

iEu iïnkaê; ;eke;af;l= $ Tjqka úiska HSBC fyda HSBC iuQyfha hï idudðlfhl= fj;

f;dr;=re ̂ fm!oa.,sl f;dr;=re fyda nÿ f;dr;=re we;=<;a j& imhd we;s hï ;eke;af;l= fj;

fuu kS;sÍ;sj, olajd we;s wdldrhg Tjqkaf.a f;dr;=re ieliqu" fy<sorõ lsÍu yd udre lsÍu

iïnkaOj okajd we;s nj yd tl`. ù we;s nj .kqfokqlre ;yjqre lrhs'

ish fm!oa.,sl o;a;j,g m%fõYùug iy tajd ksjerÈ lsÍug tu iïnkaê; ;eke;a;ka $

fjk;a hï ;eke;a;kag whs;sh we;s njg .kqfokqlre Tjqka fj; Wmfoia Èh hq;=h'

55

92.

hï wjia:djl(

• HSBC úiska idOdrKj b,a,d isák mdßfNda.sl f;dr;=re imhd oSug .kqfokqlre

wfmdfydi;a jqjfyd;a" fyda

• wruqKq i`oyd f;dr;=re ieliqu" udrelsÍu fyda fy<sorõ lsÍug HSBC úiska wjYH

flfrk hï leue;a; m<lsÍula .kqfokqlre úiska r|jd .;fyd;a fyda bj;a lr.;fyd;a"

fyda

• uQ,H wmrdOhla isÿlsÍfï yelshdj ms<sn`oj HSBC fyda HSBC iuQyfha hï idudðlfhl=g

iel my< jk wjia:djl oS" fyda

• .kqfokqlre fj;ska HSBC iuQyfha idudðlfhl= fj; uQ,H wmrdOhla isÿlsÍfï

wjodkula we;sjk wjia:djl oS"

HSBC úiska"

(a) .kqfokqlre fj; kj fiajdjka fyda fiajdjka ish,a, fyda bka fldgila wLKavj

iemhSug fkdyels úh yels w;r" .kqfokqlre iu`. ish jHdmdßl in`o;d wjika lr

oeóug whs;sh r`ojd .kshs¦

(b) wkql+,j l%shdlsÍfï ne`oSï bgqlsÍug HSBC fyda HSBC iuQyfha hï idudðlfhl=g

wjYH jk hï mshjr .ekSu¦ iy$fyda

(c) .kqfokqldr .sKqu ^.sKqï& wjysr lsÍu" udrelsÍu fyda jid oeóu l< yelsh'

56

o;a; wdrlaIdj

93.

foaYSh n,m%foaYfha fyda úfoaYhl o;a; wdrlaIl jHjia:djlg wkql+,j l%shdlrk wjia:djl

oS ish¨u HSBC iuQy idudðlhska" Tjqkaf.a ld¾h uKav,h yd f;jk md¾Yajhka hg;a jk

oeä ryiH yd wdrlaIl wdpdrO¾u moaO;shla uÕska mdßfNda.sl f;dr;=re wdrlaId flfrkq

we;'

uQ,H wmrdO wjodkï l<ukdlrK l%shdldrlï

94.

uQ,H wmrdO ksÍlaIKh" úu¾Ykh yd je<elaùu i`oyd fyda ta iïnkaOfhka we;s kS;s fr.=,dis

iïndOl frÔuhka" cd;Hka;r uÕfmkajqï" HSBC iuQyfha wNHka;r m%;sm;a;s yd

ld¾hmámdá iy$fyda hï n,Odßfhl= fj;ska ,efnk b,a,Sïj,g wkql+,j l%shd lsÍug HSBC

iy HSBC iuQyfha hï idudðlhka ^ish ;ks yd mQ¾K wNsu;h hgf;a& iqÿiq hehs is;k hï

mshjr .; hq;= jk w;r" tfia mshjr .kq we;' ^zuQ,H wmrdO wjodkï l<ukdlrK

l%shdlrlïZ&'

95.

tu mshjrj,g"

(a) hï Wmfoila" ikaksfõokhla" uqo,a bmoùfï b,a,Sula" fiajdjka i`oyd whÿï lsÍula

fyda .kqfokqlre úiska fyda Tyq fjkqfjka hjk ,o fyda ,nk hï f.ùula ksÍlaIKh"

yiqlr.ekSu yd úu¾Ykh lsÍu"

(b) wruqo,aj, uQ,dY%h fyda wruqKq lrk ,o ,enqïlrejka ms<sn`oj úu¾Ykh lsÍu"

(c) mdßNda.sl f;dr;=re HSBC iuQyh i;=j we;s wfkl=;a wod< f;dr;=re yd iïnkaO

lsÍu" iy$fyda

57

(d) we;eï mqoa.,fhl= fyda wdh;khla iïnkaOfhka Tjqka iïndOl frÔuhlg hg;a

jkafka o hkak jeäÿr úuiSï lsÍu yd .kqfokqlref.a wkkH;dj yd ;;a;ajh ;yjqre

lr.ekSu"

we;=<;a úh yels kuq;a" Bg iSud fkdfõ'

96.

jHd;sf¾l f,i" HSBC úiska uQ,H wmrdO wjodkï l<ukdlrK l%shdldrlï Ndr.ekSu uÕska

hï f.ùula isÿlsÍu fyda ksIAldYkh" mdßfNda.sl Wmfoia ieliqu fyda fiajdjka i`oyd whÿï

lsÍu fyda fiajdjka ish,a, fyda thska fldgila iemhSu m%udoùu" wjysr lsÍu fyda m%;slafIam

lsÍu isÿúh yel' kS;sfhka wjir we;s m%udKhg" uQ,H wmrdO wjodkï l<ukdlrK

l%shdldrlï iïnkaOfhka iïmQ¾Kfhka fyda w¾O jYfhka lsishï wdldrhlska .kqfokqlreg

fyda f;jk md¾Yajhlg mek k.sk" ú`Èkakg fyda orkakg isÿjk hï w,dNh$w,dN i`oyd

HSBC fyda HSBC iuQyfha hï idudðlfhl= .kqfokqlre fj; fyda hï f;jk md¾Yajhla

fj; j.lSug ,la fkdjkq we;'

nÿ wkql+,;djh

97.

wod< ne`oSï mek k.sk iy HSBC úiska fyda HSBC iuQyfha idudðlhska úiska imhk .sKqu

^.sKqï& fyda fiajdjka újD; lsÍug wod<j ish¨u n,m%foaYhka ;=< oS .kqfokqlref.a nÿ ne`oSï

^nÿ f.ùu fyda wod< ish¨ nÿ f.ùu iïnkaOfhka we;s f,aLk fyda fjk;a oE iïmQ¾K lsÍu

iy NdroSu o we;=<;a j& jgyd.ekSu yd Bg wkql+,j l%shdlsÍu i`oyd .kqfokqlre

iïmQ¾Kfhka j.lsj hq;= jk nj HSBC úiska ms<s.kshs' iEu iïnkaê; ;eke;af;l=u ^ish

fm!oa.,sl ;;a;ajfhka fkdj& iïnkaê; ;eke;af;l=f.a ;;a;ajfhka l%shdlrñka ;uka

iïnkaOfhka tu ms<s.ekSu u isÿlrhs' iïnkaê; ;eke;a;df.a fyda .kqfokqlref.a jdiN+ñh"

fkajdisl ia:dkh" mqrjeis Ndjh fyda ixia:dms; lsÍu fkdi,ld" iuyr rgj, foaYiSudfjka

ndysr n,mEï iys; nÿ jHjia:djka mej;sh yel' HSBC fyda HSBC iuQyfha lsisÿ

idudðlfhl= úiska nÿ WmfoaYkh imhkq fkd,efí' iajdëk kS;suh yd nÿ Wmfoia imhd

.kakd f,i .kqfokqlreg Wmfoia fouq' .sKqu ^.sKqï& újD; lsÍu yd Ndú; lsÍu iy HSBC

úiska fyda HSBC iuQyfha idudðlhska úiska imhkq we;s fiajdjka iïnkaOfhka úfYaIfhka

58

wod< jk ne`oSï o we;=<;aj lsisÿ n,m%foaYhl mek k.skq we;s .kqfokqlref.a nÿ ne`oSï

iïnkaOfhka HSBC fyda HSBC iuQyfha lsisÿ idudðlfhl= fj; j.lSula fkdue;'

fjk;a úêúOdk

98.

fuu kS;sÍ;sj, iy fjk;a hï fiajdjl" ie,iqul" jHdmdßl iïnkaO;djl" .sKqul" fyda

.kqfokqlre yd HSBC w;r we;s .súiqul we;s lsisjla w;r lsishï .eàula fyda

wkkql+,;djhla we;sjk wjia:djl oS" fuu kS;sÍ;s n,d;aulj mj;skq we;' mdßfNda.sl

f;dr;=re iïnkaOfhka .kqfokqlre fj;ska ,eî we;s oekgu;a mj;sk hï leue;a;

m<lsÍula" n,h oSula" HSBC úiska b,a,d isá whs;Ska w;yeÍula yd wjir oSula wod< foaY

kS;sh uÕska wjir ,efnk m%udKhg mQ¾K n,h iy n,meje;aùu iys;j wLKavj wod< jkq

we;'

99.

lsishï wdldrhlska hï n,m%foaYhl kS;sh hgf;a fuu kS;sÍ;sj, we;s m%;smdok ish,a,u fyda

bka fldgila fyda kS;súfrdaë" wj,x.= fyda n,d;aul l< fkdyels jqjfyd;a tuÕska fjk;a

hï n,m%foaYhl tu m%;smdokj, fyda tu n,m%foaYfha fuu kS;sÍ;sj,ska b;sßfhys kS;Hdkql+,

Ndjhg" j,x.=;djhg fyda n,d;aul l<yels njg n,mEula fyda ydkshla isÿ fkdjkq we;'

wjika lsÍfuka miqj meje;au

100.

fuu kS;sÍ;s tajd wjika lsÍfuka miqj o" HSBC fyda HSBC iuQyfhys idudðlfhl= úiska

.kqfokqlre fj; hï fiajdjka iemhSu wjika lsÍulska fyda hï mdßfNda.sl .sKqula jid

oeófuka miqj o wLKavj wod< jkq we;'

meflach wjikalsÍu

101.

;;ald¾h i|yd jQ ,sÅ; ksfõokhla uÕska nexl=j fyda .sKqï ysñhd hk fofokdf.ka tla

md¾Yajhla úiska meflach Ndú; lsÍu iy nexl=j iuÕ we;s iïnkaO;djh wjika lrkq ,eìh

59

yelsh' by; lS hï wjia:djl§" .sKqï ysñhd úiska m%udohlska f;drj fyda ;jÿrg;a b,a,d

isàug fmrd;=j"

(a) .sKqï ysñhd fj; ksl=;alr we;s ish¨ ldâm;a iy fplafmd;a wdmiq NdrÈh hq;=h¦

(b) tu wjika lsÍu fkdi,ld" .sKqï ysñhd úiska ;ju;a iïmQ¾K j.lSug ne£ isákakdjQ

^f.ùu i|yd tu wjia:dfõ§ nexl=jg bÈßm;a lr fkdue;s hï whs;u i|yd jQ f.ùïo

we;=¿j& ta hgf;a jQ wdY%s; .dia;= o iuÕ whsrd myiqlï" fl%äÜ ldâm;a iy fjk;a

Kh myiqlï we;=¿ tajdg iSud fkdjkakd jQ nexl=j fj; f.ùug ys`.j we;s iïmQ¾K

uqo, f.jd ksu l, hq;=h' by; lS úêúOdkj, jHdma;shg iSud fkdfjñka" .sKqï

ysñhd ñhhk wjia:djl§ fyda jia;= Nx.;ajhg m;ajk wjia:djl§ ^;jÿrg;a b,a,d

isáulska f;drj& tlS ish¨ uqo,a jydu whúh hq;= iy f.úh hq;= fõ'

102.

nexl=j fyda .sKqï ysñhd úiska meflach Ndú; lsÍu wjika lrkq ,en fuu meflach hgf;a

msßkuk ,o m%;s,dN fkdue;sj idudkH .sKqï ysñhl= mßÈ .sKqu mj;ajdf.k hkq ,nk

wjia:djl§" nexl=j iuÕ mj;ajdf.k hkq ,nk tlS .sKqu i|yd wod< idudkH kS;sÍ;s iy

fldkafoaisj,ska ne£ isàug .sKqï ysñhd tl`.fjhs'

.dia;=

103.

meflach iïnkaOj imhk ,o fiajd i|yd iy .kq ,enQ l%shdud¾. iïnkaO ish¨ mßmd,k"

md,k" fiajd" uQ,H fyda fjk;a .dia;= .sKqï ysñhd úiska nexl=j fj; f.jkq ,eìh hq;= w;r

;;ald¾h i|yd l,ska l, nexl=j úiska kshu lrkq ,eìh yels wkqm%udK wkqj tlS .dia;=

wh lrkq ,eìh hq;= w;r tlS .dia;= .sKqï ysñhdf.ka yr lrkq ,eìh yelsh' ish¨ fmd,S

wkqmd;sl" mßmd,k" fiajd" uQ,H iy fjk;a .dia;= mQ¾j oekqï§ulska f;drj fjkiaùug hg;a

fõ'

md,kh jk kS;sh

104.

fuu kS;sÍ;s iy fldkafoais Y%S ,xldfõ kS;sj,g wkql+, njg iy ta wkqj md,kh jk njg

i,lkq ,eìh hq;=h' wod< lreKq iïnkaOfhka fjk;a hï wêlrKhl iu.dó wêlrK

n,h mej;sh yels jqjo th fkdi,ld ish¨ wdrjq,a Y%S ,xldfõ wêlrKj, mru wêlrK

n,hg hg;a jkafka h'