tpjpfs; kw;wk; epge;jidfs; - hsbc.lk · 5 “,ufrpaj; jfty;fs;” vd;gj thbf;ifahsh; jftiy...
TRANSCRIPT
tpjpfs; kw;Wk; epge;jidfs;
HSBC gphpkpau;
thbf;ifahsu; jpUg;jp kw;Wk; fUj;J
ehk; toq;Fk; Nritfs; Fwpj;J cq;fSf;Fg; g+uz jpUg;jp ,y;iynadpd;
my;yJ mr; Nritfs; cq;fs; Njitia <Lnra;atpy;iynadpd;> jaTnra;J
,ad;wsT tpiuthf gpd;tUk; xU topapy; vk;Kld; njhlh;Gnfhs;Sq;fs;:
+ 94 114 511 566 vd;w thbf;ifahsh; jPh;Tfs; cldbj; njhiyNgrp
,yf;fj;jpd; Clhf
[email protected] vd;w kpd;dQ;ry; Kfthp Clhf
jghy; Kfthp: thbf;ifahsh; Nrit Kfhikahsh;> HSBC epiyak;> 525>
a+dpad; gpNs];> nfhOk;G 02.
ePq;fs; Kd;itf;Fk; gpur;rpidfis cq;fSf;Fj; jpUg;jpaspf;Fk; tpjj;jpy;
jPh;j;Jitf;fNt ehk; vg;NghJk; tpUk;GfpNwhk;. vdpDk;> ePq;fs; epjpj;Jiw Myhl;rp
mjpfhhpapd; mYtyfj;Jld; njhlh;Gnfhz;L cq;fs; gpur;rpidf;F epthuzk;
Nfhuyhk;. Myhl;rp mjpfhhpapd; njhlh;G tpguq;fs; gpd;tUkhW:
epjpj;Jiw Myhl;rp mjpfhhpapd; mYtyfk; - ,yq;if> 143V> t[puh
tPjp> nfhOk;G 05.
njhiyNgrp: + 94 112 595 625
njhiyefy;: + 94 112 595 624
kpd;dQ;ry;: [email protected]
,izaj;jsk;: www.financialombudsman.lk
Nkyjpf tpguq;fSf;F www.hsbc.lk vd;w vkJ ,izaj;jsj;jpy; gpuNtrpf;fTk;.
,e;j Mtzj;jpd;; Mq;fpy kw;Wk; rpq;fs gpujpfs; Njitg;gbd;>
www.hsbcpremier.lk vd;w tq;fpapd; ,izaj;jsj;jpy; gpuNtrpf;fTk;. my;yJ vkJ
fpis xd;wpy;; Nfl;Lg; ngwyhk;.
1
tiutpyf;fzq;fs;
KfTiu
gpuNtrj; jFjpfs;
Mizg;gj;jpuk;
itg;Gf;fs;
rpWth; Nrkpg;Gf; fzf;F
kPsg;ngWjy;fs;
fhNrhiyfs;
ntspehl;L ehzaf; fzf;Ffs;
HSBC Premier gw;W ml;il
jd;dpaf;fj; njhiyNgrp tq;fpj; njhopy;
HSBC Premier SMS crhh;gLj;jy;fs;
tl;b
thpfs;
HSBC Premier cyfshtpa Nritfs;
$l;L tpguf;$w;Wf;fs;
njhiyefy; ,og;ngjph;fhg;G
njhiyNgrpr; Nritfs; kw;Wk; ,og;ngjph;fhg;G
tq;fpapd; ghj;jpa kw;Wk; vjpuPl;L cupik
epajpr;rl;l Kiwg; gpufldk;/ghpth;j;jidf; fl;Lg;ghl;Lg; gpukhzq;fs;
ntspehl;L HSBC Premier Nritfs;
nghJ
$l;Lf; fzf;F
thbf;ifahsh; jfty;fspd; Nrfhpg;G> nraw;gLj;jy;> gfph;e;Jnfhs;sy;
ehdhtpj tplaq;fs;
KbTWj;jypd; gpd;Gk; epiyj;jpUf;Fk; jd;ik
jpl;lj;jpd; KbTWj;jy;
tpjpg;gdTfs;
2
tpjpfs; kw;Wk; epge;jidfs;
HSBC Premier ml;il itg;ghsh;(fs;) (re;jh;g;gj;jpw;Fk; Njitf;Fk; Vw;g ‘ml;il
itg;ghsh;(fs;);’> ‘ePq;fs;’> ‘cq;fs;’, ‘cq;fsJ’, ‘thbf;ifahsu;(fs;)’ vd;Wk;
Fwpg;gplg;gLk; ,r; nrhw;gpuNahfk; ml;il itg;ghshpd; (itg;ghsh;fspd;) thhpRfs;>
eph;thfpfs;> epiwNtw;Weh;fs; kw;Wk; rl;lg+h;tkhd gpujpepjpiaAk; cs;slf;Fk;) tq;fp
mYty;fs;> KjyPL> epjp kw;Wk; Vida nfhLf;fy; thq;fy;fs;> gy;NtW jd;ikahd
th;j;jf mYty;fs; vd;gtw;iw Nkw;nfhs;Sk; Nehf;fj;jpw;fhfTk ; HSBC
kw;Wk;/my;yJ HSBC FOk mq;fj;jth;fsplkpUe;J Nritfs;> trjpfs;> jfty;fs;>
gz;lq;fs;> mD$yq;fs; kw;Wk; rYiffisg; ngw;Wf;nfhs;Sk; Nehf;fj;jpw;fhfTk;
HSBCf;F mwpTWj;jy;fis toq;Ftjw;Fk; mjDld; njhlh;ghly; nra;tjw;Fk;
,lkspf;Fk; tifapy;> j n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhg;gNu\d; ypkpl;ll;
(re;jh;g;gj;jpw;Fk; Njitf;Fk; Vw;g ,dpNky ; ‘HSBC’> ‘tq;fp’> ‘ehk;’> ‘vkJ’ vd;Wk;
Fwpg;gplg;gLk; ,r; nrhw;gpuNahfk; mjd; mLj;JWdh;fs; kw;Wk; rhl;Ldh;fisAk;;
cs;slf;Fk;) ,e;j tpjpfs; kw;Wk; epge;jidfSf;F mikthf> fhyj;jpw;Ff; fhyk;
tq;fpr; Nritfs;> trjpfs; kw;Wk; jfty;fis toq;Fk;.
HSBC Premier ml;il itg;ghsh;(fs;) gad;gLj;Jk; my;yJ vk;kplk; NfhUk; my;yJ
ehk; mtUf;F/mth;fSf;F toq;Fk; tq;fpr; Nritfs;> trjpfs; kw;Wk; jfty;fs;
njhlh;ghf ml;il itg;ghshpd; (itg;ghsh;fspd;) nghWg;Gf;fs; kw;Wk; flikfs;
,e;j tpjpfspy; (,dpNky; Fwpj;Jiuf;fg;gLk;) tpghpf;fg;gl;Ls;sd.
NkNy “HSBC” vdTk; “HSBC Premier ml;il itg;ghsh;(fs;) ;” vdTk;
Fwpg;gplg;gl;Ls;s nrhw;gpuNahfq;fs; rpy rkaq;fspy; ,e;j xg;ge;jj;jpd; (,dpNky;
Fwpj;Jiuf;fg;gLk;) “jug;Gf;fs;” vd;W $l;lhfTk; “jug;G” vd;W jdpj;jdpahfTk;
gad;gLj;jg;glyhk;.
tiutpyf;fzq;fs;
,e;j tpjpfspy; gad;gLj;jg;gl;Ls;s rpwg;Gg; gjq;fs;> re;jh;g;gj;jpdhy; NtW tpjkhf
Njitg;gLj;jg;glhtpbd;> gpd;tUk; mh;j;jq;fisf; nfhz;bUf;Fk;.
3
“xg;ge;jk;” vd;gJ ,dpNky; Fwpg;gplg;gltpUf;Fk; kw;Wk; ,e;j xg;ge;jj;jpd; tpjpfs;
kw;Wk; epge;jidfSf;F mika> fhyj;jpw;Ff; fhyk; khw;wk; nra;ag;glf;$ba
tpjpfs;> ,e;j xg;ge;jj;jpd; xU gFjpahf Nritfspd; toq;fy;fs; njhlh;gpy;
fhyj;jpw;Ff; fhyk; ntspaplg;gLk; VNjDk; Nkyjpf tpjpfs; Mfpa mizj;ijAk;
Fwpf;Fk;.
“fzf;F itg;ghsh;(fs;)” (‘ePq;fs;’> ‘cq;fs;’> ‘cq;fsJ’, ‘thbf;ifahsu;’(fs;)>
“HSBC Premier ml;il itg;ghsh;(fs;);” vd;Wk; Fwpg;gplg;gLk;) vd;gJ HSBC,y;
Muk;gpf;fg;gl;Lg; Ngzg;gLk; KjyhtJ fzf;fpd; tpz;zg;gg; gbtj;jpy;
ngahplg;gl;Ls;s fzf;F itg;ghsiu (itg;ghsh;fis) Fwpf;Fk;. “fzf;F
itg;ghsh;” vd;gJ jdpahfNth $l;lhfNth tq;fpapy; fzf;if itj;jpUf;Fk; egiu
(egh;fis) Fwpf;Fk;. $l;Lf; fzf;F itg;ghsh;(fs;) ,q;F $l;lhf fzf;F
itg;ghsh;fs; vd;W Fwpg;gplg;gLthh;fs;
“fzf;Ffs;” vd;gJ gw;W ml;ilapd; nraw;ghl;bw;Fr; nry;Ygbahdit vd;W
tq;fpapdhy; Fwpj;Jiuf;fg;gl;L> jdpegh;fs; itj;jpUf;Fk; Nrkpg;G my;yJ
eilKiwf; fzf;Ffisf; Fwpf;Fk;.
"ATM" vd;gJ jd;dpaf;f nlyh; ,ae;jpuq;fisf; Fwpf;Fk;. ,e;j tpjpfs; kw;Wk;
epge;jidfspy; jd;dpaf;f nlyh; ,ae;jpuq;fs; gw;wp Fwpg;gplg;gLk;NghJ> fhh;l;bd;
ghtid %yk; nraw;gLj;jg;gLk; tiyaikg;gpd; xU gFjpahf (fhh;l; toq;fg;gl;l
ehl;by; my;yJ mjw;F ntspNa) gad;gLj;jg;gLk; mJ Nghd;w NtW ,ae;jpuq;fSk ;
"ATM" vd;w gjj;jpy; cs;slq;Fk;.
“mjpfhu mikg;Gf;fs;” vd;gJ HSBC FOkj;jpd; VNjDnkhU gFjpapd; kPJ
epahahjpf;fj;ijf; nfhz;bUf;Fk; VNjDk; ePjpj;Jiw> eph;thf my;yJ xOq;FgLj;jy;
mikg;G> VNjDk; murhq;fk; my;yJ murhq;f Kftufk;> fUtpafk; my;yJ mjpfhu
rig> VNjDk; thp mjpfhu rig> gpizaq;fs; ghpth;j;jid> ePjpkd;wk;> kj;jpa tq;fp
my;yJ rl;l mKyhf;f mikg;G my;yJ mtw;wpd; VNjDnkhU Kftufj;ijf;
Fwpf;Fk;.
4
“tq;;fpr; Nrit ehs;"/“toikahd tq;fpr; Nrit Neuk;” kw;Wk; “Ntiy
ehs;/Neuk;” vd;gd> vk;khy; NtW tpjkhff; Fwpj;Jiuf;fg;glhtpbd;> xU tq;fpr;
Nrit/Ntiy ehs; kw;Wk; toikahd tq;fpr; Nrit/Ntiy Neuj;ijf; Fwpf;Fk;.
“fhh;l; itj;jpUg;gth;” vd;gJ tq;fpapYs;s fzf;fpd; Nghpy; tq;fpapdhy; gw;W
ml;il kw;Wk;/my;yJ NtW ml;il(fs;) toq;fg;gl;l egiuf; Fwpf;Fk;. ml;il
itj;jpUg;gth; xU jdpf; fzf;F itg;ghsuhf ,Uf;f Ntz;Lk; my;yJ $l;Lf;
fzf;F itg;ghsuhapd; jdpf; ifnahg;gjhuuhf my;yJ jdpNa nraw;gl mjpfhuk;
ngw;wtuhf ,Uf;f Ntz;Lk;.
fl;Lg;gLj;Jk; egh;fs;
“,zf;ff; flg;ghLfs;” vd;gJ gpd;tUtdtw;wpw;Fg; gzpe;njhOf HSBC
FOkj;jpd; VNjDnkhU mq;fj;jth; nfhz;Ls;s flg;ghLfisf; Fwpf;Fk;:
(a) nghUj;jkhd VNjDk; cs;ehl;L my;yJ ntspehl;L epajp> rl;lk;> gpukhzk;>
fl;lisr;rl;lk;> tpjp> jPh;g;G> Miz> jd;dhh;tf; Fwpg;Giu> gzpg;Giu>
jilAj;juT> ePjpkd;wf; fl;lis> HSBC FOkj;jpd; VNjDnkhU
mq;fj;jtUf;Fk; mjpfhu rig xd;wpw;Fk; ,ilapyhd xg;ge;jk;> HSBCf;F
my;yJ HSBC FOkj;jpd; VNjDnkhU mq;fj;jtUf;Fg; gpuNahfpf;ff;$ba
tpjj;jpy; mjpfhu rigfSf;F ,ilNa nra;Jnfhs;sg;gl;l xg;ge;jk; my;yJ
cld;gbf;if (“rl;lq;fs;”)> my;yJ rh;tNjr tofhl;Ljy;fs; kw;Wk;
cs;ehl;Lf; nfhs;iffs; my;yJ eilKiwfs;.
(b) mjpfhu rigfspdhy; Nfhug;gLk; VNjDk; (epahakhd) mwpf;ifaply;>
xOq;FgLj;jy; th;j;jf mwpf;ifaply;> ntspg;gLj;jy; Nfhhpf;iffs; kw;Wk;
rl;lg;gbahd Vida flg;ghLfs;.
(c) thbf;;ifahsh;fspd; milahsj;ij cWjpnra;tjw;F HSBCI Njitg;gLj;Jk;
rl;lq;fs;.
5
“,ufrpaj; jfty;fs;” vd;gJ thbf;ifahsh; jftiy ntspapLk;NghJ
,ufrpakhdJ vd;W Fwpg;gpLk; jfty;fis my;yJ epahakhd xUthpdhy;
,ufrpakhdJ> gfpuq;fkw;wJ kw;Wk; jdpg;gl;l jd;ikAilaJ vd;W fUjg;gLk;
jfty;fisf; Fwpf;Fk;.
“,izf;fg;gl;l egh;” vd;gJ Nritfspd; toq;fy; njhlh;ghf HSBC FOkj;jpd;
VNjDnkhU mq;fj;jtUf;F thbf;ifahshpdhy; toq;fg;gLk; my;yJ HSBC
FOkj;jpd; VNjDnkhU mq;fj;jthpdhy; NtW topapy; ngw;Wf;nfhs;sg;gLk;
jfty;fSf;Fhpa (,jpy; jdpg;gl;l tpguq;fs; my;yJ thpj; jfty;fSk; cs;slq;Fk;)
xU egiu my;yJ epWtdj;ijf; Fwpf;Fk;. thbf;ifahsiug; nghWj;jtiuapy;>
,izf;fg;gl;l egh; vd;gJ vtNuDnkhU gpizahsp (thbf;ifahshpd;)>
fk;gdpnahd;wpd; gzpg;ghsh; my;yJ mjpfhhp> gq;fhspj;Jtj;jpd; gq;fhspfs; my;yJ
cWg;gpdh;fs;> “fzprkhd chpikahsh;”> “fl;Lg;gLj;Jk; egh;;”> my;yJ gadilAk;
chpikahsh;> mwf;fhtyh;> ek;gpf;ifg; nghWg;nghd;wpd; jPh;g;gdthsh; my;yJ
ghJfhtyh;> Fwpj;Jiuf;fg;gl;l fzf;nfhd;iw itj;jpUg;gth;> Fwpj;Jiuf;fg;gl;l
nfhLg;gdnthd;iwr; nrYj;Jgth;> thbf;ifahshpd; gpujpepjp> Kfth; my;yJ
epakj;jh;> my;yJ thbf;ifahsh ; HSBC FOkj;Jld; nfhz;bUf;Fk;; tq;fp cwTfs;
njhlh;ghf thbf;ifahsUld; njhlh;Gfis itj;jpUf;Fk; NtW egh;fs; my;yJ
epWtdq;fisAk; cs;slf;fyhk;.
“fl;Lg;gLj;Jk; egh;fs;” vd;gJ (nghJthf) xU epWtdj;jpd; kPJ fl;Lg;ghl;ilg;
gpuNahfpf;Fk; egh;fisf; Fwpf;Fk; (ek;gpf;ifg; nghWg;gfk; xd;iwg; nghWj;jtiuapy;
mjd; jPh;g;gdthsh;> ek;gpf;ifg; nghWg;ghsh;> ghJfhtyh;> gadilgth; my;yJ
gadilAk; gphptpdh; kw;Wk; ek;gpf;ifg; nghWg;gfj;jpd; kPJ jPh;f;fkhd ,Wjpf;
fl;Lg;ghl;ilg; gpuNahfpf;Fk; NtNwJk; egh;fs; ,jpy; cs;slq;Fth;. ek;gpf;ifg;
nghWg;gfk; my;yhj xU rl;lg+h;t epWtdkhapd;> rkkhd my;yJ xj;jpay;ghd
fl;Lg;ghl;L epiyapy; cs;sth;fis ,r; nrhw;nwhlh; Fwpf;Fk;).
“thbf;ifahsh; jfty;” vd;gJ thbf;ifahshpd; my;yJ ,izf;fg;gl;l eghpd;
jdpg;gl;l tpguq;fs;> ,ufrpaj; jfty;fs; kw;Wk;/my;yJ thpj; jfty;fisf; Fwpf;Fk;
(,izf;fg;gl;l mwpf;iffs;> tpyf;fspg;Gf;fs; kw;Wk; xg;Gjy;fSk; ,jpy;
cs;slq;Fk;).
6
“nlgpw; fhh;l;/fhh;l; (fs;)” vd;gJ ml;il itj;jpUg;gth; xUtUf;F HSBC ,dhy;
toq;fg;gl;l> nghUj;jj;jpw;Nfw;g> cs;ehl;by; my;yJ rh;tNjr hPjpapy; nry;YgbahFk;
gw;W ml;il kw;Wk;/my;yJ fld; ml;ilia kw;Wk;/my;yJ ATM ml;ilia
(ml;ilfis) Fwpf;Fk;.
“ESPM/s” vd;gJ tq;fpapd; ,yF nfhLg;gdT ,ae;jpuq;fis (Easy Pay Machines)
Fwpf;Fk;.
“rpwg;gk;rq;fs;” vd;gJ gbepiy xd;wpd; fPo; kw;Wk;/my;yJ mJ njhlh;gpy; fzf;F
itj;jpUf;Fk; xUth; ngwf;$ba Nritfs;> rd;khdq;fs;> mD$yq;fs; rYiffs;
Nghd;wtw;iwf; Fwpf;Fk;.
“epjprhh; Fw;wk;” vd;gJ gzk; J}ajhf;fy;> gaq;futhjj;jpw;F epjp toq;Fjy;>
,yQ;rk;> Coy;> thp Va;g;G> Nkhrb> nghUshjhu my;yJ th;j;jfj; jilfis kPWjy;
kw;Wk;/my;yJ ,e;j tplaq;fs; njhlh;ghd rl;lq;fis kPWjy; my;yJ kPWtjw;Fj;
je;jpukhf Kaw;rp nra;jy; vd;gtw;iwf; Fwpf;Fk;.
“HSBC” (‘tq;fp’> ‘ehk;’> ‘vkJ’) vd;gJ> n`hq;nfhq; SAR,Yk;; mjd; rl;lq;fspd;
fPOk; cupa Kiwapy; $l;bizf;fg;gl;l xU tq;fpj; njhopy; $l;Lj;jhgdkhfTk;>
n`hq;nfhq;> kj;jpa FtPd;]; tPjpapy; 1Mk; ,yf;fj;jpy; mjd; gjpTnra;ag;gl;l
mYtyfj;ijf; nfhz;Ls;sJk;> ,yq;if [dehaf Nrhryprf; Fbaurpy;> nfhOk;G 1>
Nru; ghud; [ajpyf;f khtj;ij 24Mk; ,yf;fj;jpYk; Ntwplq;fspYk; cs;s mjd;
fpis mYtyfq;fs; Clhf Kd;nrhy;yg;gl;l Fbaurpy; njhopiy elj;Jfpd;wJkhd
tiuaWf;fg;gl;l n`hq;nfhq; md;l; \q;fha; tq;fpj; njhopw; $l;Lj;jhgdj;ijf;
Fwpf;Fk;. “HSBC” my;yJ “tq;fp”@ mj;Jld; mjd; mLj;JWgtu;fisAk;
rhl;Ljw;fhuu;fisAk;> re;jh;g;gk; mDkjpf;Fk; gl;rj;jpy; tq;fpapdhy; epakpf;fg;gl;l
vtNuDk; egiuAk; ,J cs;slf;Fk;.
“HSBC FOkk;” vd;gJ HSBC N`hy;bq;]; gp.vy;.rp. kw;Wk;/my;yJ mjd; ,iz
epWtdq;fs;> cg epWtdq;fs;> Jiz epWtdq;fs; vd;gtw;iwAk; mtw;wpd; VNjDk;
fpisfs; kw;Wk; mYtyfq;fisAk; Fwpf;Fk;. “HSBC FOkj;jpd; VNjDnkhU
mq;fj;jth;” vd;gJk; mNj mh;j;jj;ijf; nfhz;bUf;Fk;.
7
“jfty;” vd;gJ fzf;F itg;ghsUf;F (itg;ghsh;fSf;F) vk;khy; my;yJ
VNjDk; jfty; toq;Fehpdhy; toq;fg;gLk; VNjDk; epjp> re;ij my;yJ NtNwJk;
jfty;fisAk; juTfisAk; Fwpf;Fk;.
“epWtdk;” vd;gJ> ,e;j xg;ge;jj;jpd; Nehf;fj;jpw;F> xU epWtdkhff; fUjg;gl
Ntz;Lnkd fzf;F itg;ghshpdhy; (itg;ghsh;fspdhy;) HSBCf;F mwptpf;fg;gl;l
VNjDk; %d;whk; jug;G epjp epWtdj;ijf; Fwpf;Fk;.
“mwpTWj;jy;” vd;gJ fzf;F itg;ghshpdhy; (itg;ghsh;fspdhy;) mDg;gg;gl;L
HSBCf;F fpilf;fg;ngWk; Kiwg;gb mjpfhukspf;fg;gl;l VNjDk; vOj;J %y
Ntz;LNfhis my;yJ mwpTWj;jiyf; Fwpf;Fk;.
“rh;tNjrf; nfhLf;fy; thq;fy;fs;” vd;gJ ,yq;iff;F ntspNa tq;fpapD}lhf
fhh;l; itj;jpUg;gth; Nkw;nfhs;Sk; rfy nfhLf;fy; thq;fy;fisAk; Fwpf;Fk;.
“,og;G” vd;gJ VNjDk; chpikf; Nfhuy;> mwtPL> nryT (VNjDk; rl;l kw;Wk;
epGzj;Jt Nritf;fhd nryTfSk; cs;slq;Fk;)> Nrjq;fs;> fld;> nrytpdk;> thp>
nghWg;Gf;fs;> flg;ghLfs;> Fw;wr;rhl;Lf;fs;> tof;F> eltbf;if> Nfhhpf;if> tof;F
tprhuiz my;yJ jPh;g;Gf;fisf; Fwpf;Fk;. ,it vt;thW fzpf;fg;gl;litahfTk;
Neubahf my;yJ Neubaw;w Kiwapy;> vjph;tpisthf> jz;lidahf my;yJ
jw;nrayhf Vw;gl;litahfTk; ,Uf;fyhk;.
“tzpf epWtdq;fs;” vd;gJ vq;fpUe;jhYk; nlgpw; fhh;l;il Vw;Wf;nfhs;Sk;
epWtdq;fisf; Fwpf;Fk;. tq;fpapshy; my;yJ tPrh ,d;lh;e\dypdhy;
tpsk;gug;gLj;jg;gLk; tpw;gid epiyaq;fs;> filfs;> cztfq;fs;> tpkhd Nrit
epWtdq;fs; KjypadTk; cs;slq;Fk;.
“flTr;nrhy;” vd;gJ mwpTWj;jy;fisg; ngWtjw;F my;yJ nraw;gLj;Jtjw;Fk;
njhiyNgrp tq;fpr; Nrit kw;Wk; jdpg;gl;l ,izaj;jd tq;fpr; Nrit Clhf
gw;W ml;il kw;Wk;/my;yJ NtW ml;ilfs; %yk; nfhLf;fy; thq;fy;fis
Nkw;nfhs;tjw;Fk; gad;gLj;jg;gLk; VNjDk; ,ufrpar; nrhy;> nrhw;nwhlh; my;yJ
my/gh vz;fisf; nfhz;l ,yf;fj;ijf; Fwpf;Fk;.
8
“jdpg;gl;l tpguk;” vd;gJ xU egiu milahsk; fhz;gjw;F cjtf;$ba
tifapy; me;j egh; (kw;Wk; juT ,ufrpar; rl;lk; epWtdq;fSf;Fr; nry;YgbahFk;
ehLfspYs;s epWtdq;fs;) njhlh;ghd tpguq;fisf; Fwpf;Fk;. ,e;j tpguq;fSs;
ngah;(fs;)> trpg;gpl Kfthp(fs;)> njhlh;G tpguq;fs;> taJ> gpwe;j jpfjp> Njrpa
,dk;> gpu[hThpik> tpthf epiy Nghd;witAk; cs;slq;Fk;.
“jdpg;gl;l ,izaj;js tq;fpr; Nrit (PIB)” vd;gJ mwpTWj;jy;fisg;
ngWtjw;F my;yJ nraw;gLj;Jtjw;Fk; nfhLf;fy; thq;fy;fis Nkw;nfhs;tjw;Fk;
HSBC,d;; cj;jpNahfg+h;t ,iza tiyj;jsj;jpd; Clhf toq;fg;gLk; ,izaj;js
Nghh;liyf; Fwpf;Fk;.
“gpujhd fzf;F” vd;gJ gw;W ml;ilAld; ,izf;fg;gl;l gy;njhFjpf;
fzf;Ffisg; nghWj;jtiuapy;> nraw;ghl;bw;nfd gpujhd/KjyhtJ fzf;fhf
epakpf;fg;gl;l fzf;iff; Fwpf;Fk;. mjhtJ> ,f; fzf;fpNyNa gw;W ml;il
njhlh;ghd nfhs;tdTf; nfhLf;fy; thq;fy;fs;> tpjpg;gdTfs;> kw;Wk;; fl;lzq;fs;
gw;W itf;fg;gLk;.
“Nritfs;” vd;gJ> tiuaiwapd;wp> (a) thbf;ifahshpd; tq;fpf; fzf;Ffis
Muk;gpj;jy;> nraw;gLj;Jjy; kw;Wk; %Ljy;> (b) thbf;ifahsUf;Ff; fld; trjpfs;
kw;Wk; Vida tq;fp trjpfisAk; NritfisAk; toq;Fjy; (gpizaq;fspd;
ifahSif> KjyPl;L MNyhrid> juF> Kfth;> ghJfhtyh;> fpspahpq; my;yJ
njhopy;El;gf; nfhs;Kjy; NritfSk; ,jpy; cs;slq;Fk;)> tpz;zg;gq;fisg;
ghprPypj;jy;> Jizf; fld; kjpg;PL kw;Wk; tq;fp trjpf;fhd jFjp kjpg;gPL> (c)
thbf;ifahsUld; HSBC NgZk; xl;Lnkhj;j cwTfs; (re;ijg;gLj;jy; my;yJ
epjpr; Nritfspd; Cf;Ftpg;G my;yJ thbf;ifahsUf;fhd njhlh;Gila tq;fp
trjpfs;> re;ij Ma;T> fhg;GWjp> fzf;fha;T kw;Wk; eph;thf Nehf;fq;fs;
Mfpatw;iwf; Fwpf;Fk;.
9
“tpguf;$w;W” vd;gJ VNjDk; fhyg;gFjpapy; ,lk;ngw;w nfhLf;fy; thq;fy;fs;
(nlgpw; fhh;l; nfhLf;fy; thq;fy;fSk; cs;slq;Fk;) fzf;F kPjp vd;gtw;iw
vLj;Jf;fhl;Lk; tpjj;jpy; fhyj;jpw;Ff; fhyk; toq;fg;gLk; fzf;F mwpf;ifiaf;
FwpfFk;. tbtj;jpy;> Clfj;jpy; my;yJ topapy; fpilf;Fk; jfty;fspypUe;J
njhFf;fg;gl;l mwpf;iffisf; Fwpf;Fk;. HSBC nghUj;jnkdf; fUJk; NtW
jfty;fSk; ,jpy; Nrh;f;fg;glyhk;.
“fzprkhd chpikahsh;fs;” vd;gJ xU epWtdj;jpy; 10%f;F Nkw;gl;l
,yhgj;jpw;fhd chpikia my;yJ 10%f;F Nkw;gl;l gq;if Neubahf my;yJ
Neubaw;w Kiwapy; nfhz;Ls;sth;fisf; Fwpf;Fk;.
“thp mjpfhurigfs;” vd;gJ cs;ehl;L my;yJ ntspehl;L thp> tUkhd> epjp
kw;Wk; ehza mjpfhu rigfisf; Fwpf;Fk;.
“thpj; jfty;fs;” vd;gJ HSBC FOkj;jpd; VNjDnkhU mq;fj;jth; VNjDk; thp
mjpfhu rigf;fhd jdJ flg;ghLfis epiwNtw;Wtjw;F (my;yJ gzpe;JnjhOfiy
ep&gpg;gjw;F my;yJ gzpe;njhOfhikiaj; jtph;g;gjw;F) mtrpankd HSBC
epahakhd Kiwapy; fUJk; tpjj;jpy; thbf;ifahshpd; (me;j thbf;ifahsh; xU
jdpeguhf> tpahghukhf my;yJ ,yhgk; fUjhj my;yJ NtW tifahd epWtdkhf
,Uf;fyhk;)> my;yJ thbf;ifahsh; xUthpd; vtNuDk; chpikahshpd;>
“fl;Lg;gLj;Jk; eghpd;”> “fzprkhd chpikahshpd;”> gadilAk; chpikahshpd; thp
epiyikAld; Neubahf my;yJ Neubaw;w Kiwapyp; njhlh;Gila VNjDk;
Mtzq;fs; my;yJ jfty;fisf; (mj;Jld; ,izf;fg;gl;l mwpf;iffs;>
tpyf;fspg;Gf;fs; kw;Wk; xg;Gjy;fSk;; cs;slq;Fk;) Fwpf;Fk;.
“thpj; jfty;fs;” vd;gjpy; thp trpg;gplk; kw;Wk;/my;yJ epWtdj;jpd; miktplk;
(nghUj;jkhapd;)> thp thoplk;> thp milahs ,yf;fk;> thpr; rhd;wpjo; gbtq;fs;> rpy
jdpg;gl;l juTfs; (ngah;(fs;)> trpg;gpl Kfthp(fs;) taJ> gpwe;j jpfjp> gpwe;j ,lk;>
Njrpa ,dk;> gpu[hThpik) vd;gdTk; cs;slq;Fk;.
10
“thpr; rhd;wpjo; gbtq;fs;” vd;gJ fzf;F itj;jpUg;gthpd; epWtdnjhd;wpd;
,izf;fg;gl;l eghpd; thp epiyikia Ch;[pjk; nra;tjw;fhf> fhyj;jpw;Ff; fhyk;>
thp mjpfhu rig xd;wpdhy; my;yJ HSBCapdhy; toq;fg;gLk; my;yJ
Njitg;gLj;jg;gLk; VNjDk; gbtq;fis my;yJ NtW Mtzq;fisf; Fwpf;Fk;.
“tpjpfs;” vd;w gjk; ,e;j xg;ge;jj;ij Ml;rp nra;Ak; tpjpfs; kw;Wk;
epge;jidfs;> VNjDk; ifJwg;Gf;fs;> ,izaj; jdpAhpik mwpf;if> topfhl;Ljy;fs;
vd;gtw;iwf; Fwpg;gpLtJld;> fhyj;jpw;Ff; fhyk; jpUj;jk; nra;ag;gl;Lf; fzf;F
itj;jpUg;gtUf;F vk;khy; mwptpf;fg;gLk; VNjDk; Nkyjpf tpjpfisAk; cs;slf;Fk;.
“gbepiy” vd;gJ HSBC Premier fzf;fpd; fPo; kw;Wk;/my;yJ mJ njhlh;gpy;
fzf;F itj;jpUf;Fk; xUth; rpy rpwg;gk;rq;fis mDgtpg;gjw;F ,lkspf;Fk;
tifapy; fzf;F itj;jpUg;gtUf;nfd tq;fpapdhy; jPh;khdpf;fg;gl;L xJf;fg;gl;l xU
gbepiyiaf; Fwpf;Fk;.
“nfhLf;fy; thq;fy;/fs;” vd;gJ fzf;F itj;jpUg;gth; vOj;J %yk; my;yJ
jdJ gw;W ml;iliag; gad;gLj;jp> fzf;Fj; njhlh;gpy; mDkjpf;fj;jf;f
eltbf;iffisr; nraw;gLj;Jk;gb HSBCf;F toq;Fk; VNjDk; mDkjpf;fj;jf;f
mwpTWj;jiyf; Fwpf;Fk; (gz kPsg;ngWiffs;> tpw;gid ];jhdj;jpyhd
nfhLg;gdTfs;> gz/fhNrhiy itg;Gf;fs; Kjypad nfhLf;fy; thq;fy;fSf;F
cjhuzq;fshFk;). $l;Lf; fzf;F itg;ghsh;/fs; ,t; tplaj;jpy; “fzf;F
itg;ghsh;/fs;” vd;W Fwpg;gplg;gLthh;fs;.
“VISA” vd;gJ tPrh ,d;lh;e\dYf;Fr; nrhe;jkhd milahsj;ijf; Fwpf;Fk;.
“VISA ATM tiyaikg;G” vd;gJ nlgpw; fhh;l;il Vw;Wf;nfhs;Sk; kw;Wk;
VISA my;yJ ,nyf;l;Nuhd; rpd;dj;ijg; ghh;itf;F itj;jpUf;Fk; ATMfspd;
tiyaikg;igf; Fwpf;Fk;.
11
“ePq;fs;”> “cq;fsJ” “mth;fs;” vd;Dk; gjq;fis my;yJ mtw;iwnahj;j Fwpg;Gg;
ngau;r; nrhw;fisg; gad;gLj;JjyhdJ> nghUj;jkhd KiwapYk;> re;ju;g;gk; mt;thW
mDkjpf;Fk; gl;rj;jpYk; fzf;F itj;jpUg;gtiu my;yJ ml;il itj;jpUg;gtiuf;
Fwpf;Fk;. Mz;ghypyhd vy;yhf; Fwpg;gPLfSk; ngz;ghiyAk; cs;slf;Fk;.
KfTiu
HSBC Premier fzf;Fj; jpl;lnkhd;iw itj;jpUg;gth; (itj;jpUg;gth;fs;)> fzf;F
itj;jpUg;gtUf;F toq;fg;gl;l my;yJ fzf;F itj;jpUg;gthpd; Ntz;LNfhspd;;
Nghpy mtUf;Ff;; fpilf;ff;$bajhf;fg;gl;l my;yJ fpilf;ff;$bajhf;fg;glTs;s
HSBC Premier fzf;Fj; jpl;lj;jpd; gad;ghl;il MSfpd;w gpd;tUk; tpjpfs; kw;Wk;
epge;jidfspdhy; gpzpf;fg;gLtjw;F cld;gLfpd;whu;/cld;gLfpd;wdh;. ,j; jpl;lk;
gpd;tUttw;iw cs;slf;Fk;:
i. tiuaWf;fg;gl;l n`hq;nfhq; md;l; \q;fha; tq;fpj;njhopw; $l;Lj;jhgdj;Jld;
(“tq;fp” vdg;gLk; ,r; nrhy; mjd; topAupikahsu;fisAk;
rhl;Ljw;fhuu;fisAk;> re;jh;g;gk; mDkjpf;Fkplj;J> tq;fpapdhy; epakpf;fg;gl;l
vtNuDk; MisAk; cs;slf;Fk;) ,yq;ifapYs;s mjd; mYtyfj;jpy;
fzf;F itj;jpUg;gthpdhy; cs;ehl;L kw;Wk;/my;yJ ntspehl;L ehzaq;fspy;
fhyj;Jf;Ff;fhyk; Muk;gpf;fg;gl;l kw;Wk;/my;yJ Ngzg;gl;l (xt;nthd;Wk;
“HSBC Premier fzf;F” vdg; ngauplg;gl;l) vy;yh elg;G> Nrkpg;G kw;Wk;
fhy itg;Gf; fzf;F(fs;) HSBC kw;Wk;/my;yJ
ii. tq;fp fhyj;Jf;Ff;fhyk; tpjpj;Jiuf;ff;$bathwhd fld; vy;iyfSf;fika>
Nkyjpfg;gw;W trjpfs;@ kw;Wk;/my;yJ
iii. xd;W my;yJ mjw;FNkw;gl;l fld; ml;ilfs; (mit ,J> HSBC Premier
fld; ml;ilahf> HSBC Premier gw;W ml;ilahf my;yJ jpl;lj;jpd; xU
gFjpahf tq;fp toq;ff;$ba NtNwNjDk; ml;ilahf ,Uf;fyhk;)
kw;Wk;/my;yJ njhiyNgrp tq;fpj;njhopw; Nritfs;@ kw;Wk;/my;yJ
iv. tq;fpapdhy; mq;fPfupf;fg;gl;l jdpg;gl;l jtizg;gzf; fld;> jdpg;gl;l fld;
topKiw> jdpg;gl;l gpizg; nghWg;gspf;fg;gl;l fld;@ kw;Wk;/my;yJ
12
v. HSBC Premier cyfshtpa Nritfs;@
vi. tq;fp fhyj;Jf;Ff;fhyk; toq;ff;$bajhf jpl;lj;jpy; cs;slf;fg;gLk;
NtNwJk; epjptrjpfSk; NritfSk;.
gpuNtrj; jFjpfs;
jpl;lj;ijg; gpd;tUgth;fs; ngw KbAk;:
1.
,yq;if ehl;ltu;fs;> tjptpl tPrhtpd; Nghpy; ,yq;ifapy; trpf;fpd;w
ntspehl;lth;fs; my;yJ gpd;tUk; epge;jidfisj; jpUg;jp nra;fpd;w ,yq;ifapy;
trpf;fhj ,yq;ifah;fs;.
fzf;F itj;jpUg;gtu;> 7>500>000 &ghTf;F my;yJ 75>000 mnkhpf;f nlhyUf;F
my;yJ mq;fPfupf;fg;gl;l NtNwJk; ntspehl;L ehzaj;jpy; mjw;Fr; rkkhd
njhiff;Ff; $Ljyhd khjhe;j tuT kPjpiaj; jdJ elg;G my;yJ Nrkpg;Gf;
fzf;fpy; (ntspehl;L ehzak;/cs;ehl;L ehzak;) my;yJ fhy/Nfhuy; itg;Gf;
fzf;fpy;; NgZjy; Ntz;Lk;. (fld; ml;il vy;iyfs;> fld;
vy;iyfs;/epYitahfTs;s Nkyjpfg;gw;Wf;fs;> jpiwNrup cz;bay;fs;> upg;Nghf;fs;
kw;Wk; mtw;winahj;j NtW jpiwNrup tpisTfis ,jpy; Nrh;f;f KbahJ). fzf;F
itj;jpUg;gth; jdpahd fzf;F kw;Wk; $l;Lf; fzf;F Mfpa ,uz;ilAk;
NgZtJld;> jpl;lj;jpd; fPohd mj;jifa vy;yhf; fzf;FfisAk; ,j; jpl;lj;jpw;F
khw;w tpUk;Gk;gl;rj;jpy;> jdpf; fzf;F itj;jpUg;gth; vd;w KiwapYk; $l;Lf;
fzf;F itj;jpUg;gth; vd;w KiwapYk; &.7>500>000/- vd;w tuT kPjp epge;jidiag;
g+h;j;jpnra;a Ntz;Lk;.
2.
&gha; elg;Gf; fzf;F xd;iw my;yJ &gha; Nrkpg;Gf; fzf;F xd;iw Muk;gpj;jy;.
HSBC Premier thbf;ifahsu;fSf;Ff; fl;lhakhdJ. tq;fpapdhy; Vw;Wf;nfhs;sj;jf;f
milahs Mtzj;ijr; (mjhtJ> Njrpa milahs ml;il my;yJ flTr;rPl;L)
rkh;g;gpg;gjd; %yk;; kw;Wk; tq;fpapdhy; mq;fPfhpf;fg;gLk; njhopy; jUeuplkpUe;J
my;yJ tq;fpapdhy; Vw;Wf;nfhs;sj;jf;f jw;NghJ elg;Gf; fzf;F
itj;jpUg;gthplkpUe;J mwpKff; fbjnkhd;iw rkh;g;gpg;gjd; %yk; my;yJ cj;Njr
thbf;ifahsh; elg;Gf; fzf;nfhd;iw itj;jpUf;Fk; NtnwhU tq;fpapd; rpghhpRf;
13
fbjj;ijr; rkh;g;gpg;gjd;; %yk; elg;Gf; fzf;F Muk;gpf;fg;glyhk;.
tq;fpahdJ mjd; jdpj; jw;Wzpgpd;gb> thbf;ifahshpd; milahsk; kw;Wk;
me;j];J gw;wpj; jpUg;jpg;gbd;> mwpKfj;Jf;fhd Njitg;ghl;bypUe;J mtiu
tpLtpf;fyhk;.
Mizg;gj;jpuk;
3.
jpl;lkhdJ xUtUf;F Nkw;gl;l Ml;fspd; ngau;fspy; ,Ug;gpd;>
a) ,e;j tpjpfs; kw;Wk; epge;jidfspd; Nehf;fq;fSf;fhf> mj;jifa xt;nthU
MSk; fzf;F itj;jpUg;gtuhff; fUjg;gLjy; Ntz;Lk;.
b) jpl;lj;jpDs;shd jdpg;gl;l fzf;Ffs; njhlu;ghd $l;Lf; fzf;F
Mizg;gj;jpuj;jpy; mlq;fpAs;s mwpTWj;Jjy;fs; vt;thwpUg;gpDk;> tiuaiw
vJTkpd;wp> vtNuDk; xU $l;Lf; fzf;F itj;jpUg;gtupdhy;
ifnahg;gkplg;gl;Lg; gaDWj;jg;gl;l vy;yhf; fhNrhiyfSf;Fk;> njhiyNgrp
mwpTWj;Jjy;fSf;Fk;> gzpg;GfSf;Fk;> NtW rhjdq;fSf;Fk;> nfhLf;fy;
thq;fy;fSf;Fk; kjpg;Gf; nfhLg;gjw;F $l;Lf; fzf;F itj;jpUf;Fk;
xt;nthUtUk; tq;fpf;F ,j;jhy; mjpfhukspf;fpd;whh;.
c) tq;fpahdJ $l;Lf; fzf;F itj;jpUg;gtUs; vtNuDk; xUtupd;
Ntz;LNfhspd; Nghpy; Nkyjpfg; gw;W kw;Wk; NtW epjptrjpfis;
mspg;gjw;F cld;glyhk;@ vt;thwhapDk;> ,jd; fPohd jpl;lk; njhlu;gpy;
$l;Lf; fzf;F itj;jpUg;gthpd; (itj;jpUg;gth;fspd;) flg;ghL> $l;lhdjhfTk;
jdpj;jdpahdjhfTk; ,Uj;jy; Ntz;Lk;.
d) $l;Lf; fzf;F itj;jpUg;gth;fspy;; vtNuDk; xUtupd; my;yJ xUtUf;F
Nkw;gl;Nlhhpd; rhu;gpy; ngw;Wf;nfhs;sg;gl;l gzg; gj;jpuq;fis tq;fpahdJ Xu;
HSBC Premier fzf;fpy; tuTitf;fyhk;.
14
e) $l;Lf; fzf;F itg;ghsh;fspy; xUth; ,wf;Fkplj;J> capNuhbUg;gtu;/fs;>
,we;jthpd; kuzj; Njjpiaf; Fwpg;gpl;L> me;epfo;T gw;wp tq;fpf;F
cldbahf mwptpg;gJld;> kuzr; rhd;wpjo; cl;gl tq;fpapdhy; Nfhug;gLk;
nghUj;jkhd Mtzq;fisAk; rkh;g;gpf;f Ntz;Lk;. $l;Lf; fzf;F
itg;ghsh;fspy; xUth; kuzkilAk; gl;rj;jpy;> VNjDk; fzf;fpy;
(fzf;Ffspy;) $l;Lg; ngah;fspYs;s VNjDk; tuT kPjp kw;Wk; $l;Lg;
ngah;fspy; cs;s VNjDk; gpizaq;fs;> cWjpg;gj;jpuq;fs;> ngl;bfs; kw;Wk;
ghh;ry;fs;> mtw;wpYs;s nghUs;fs; kw;Wk; VNjDk; tifahd nrhj;Jf;fis
caphpoe;jthpd; my;yJ caphpoe;jth;fspd; Mizf;fhf tq;fp itj;jpUf;Fk;.
$l;Lf; fzf;F itg;ghsh;fspy; xUthpd; kuzk; gw;wpa mwptpj;jy;
fpilf;fg;ngw;w gpd;> capUld; ,Ug;gtUf;F my;yJ ,Ug;gth;fSf;F my;yJ
mth;fspd; Mizf;Ff; nfhLg;gdit my;yJ tpepNahfj;ij Nkw;nfhs;tJld;>
tq;fpahdJ mjd; flg;ghLfspypUe;J Kw;whf tpLtpf;fg;gLk; vd;gij $l;Lf;
fzf;F itg;ghsh;fs; xt;nthUtUk; Vw;Wf;nfhs;fpwhh;.
f) xU $l;Lf; fzf;F itj;jpUg;gtUf;Ff; nfhLf;fg;gl;l VNjDk;
mwptpj;jy; vy;yhf; $l;Lf; fzf;F itj;jpUf;Fk; toq;fg;gl;l NghJkhd
mwptpj;jyhff; fUjg;gLk; mj;Jld;>
g) $l;Lf; fzf;F itj;jpUg;gthplkpUe;J ngwg;gl;l mwpTWj;Jjy;fs; njhlh;gpy;
nrayhw;Wtjw;F Kd;dh;> $l;Lf; fzf;fpw;fhd ,d;ndhU jug;gpdhplkpUe;J
Kuzhd mwpTWj;Jjy;fis tq;fp ngw;why;> tq;fpahdJ> Kjypy; ngwg;gl;l
mwpTWj;Jjypd; Nghpy; nraw;gLk;. ,e;Nehf;fj;Jf;fhf mwpTWj;Jjy;fisg;
ngWjy; vd;gJ> mj;jifa mwpTWj;Jjy;fspd; kPJ tq;fpapdhy; vLf;fg;gl;l
KjyhtJ eltbf;ifnad;Wk;> ATM %yk; my;yJ NtNwJk; topfs;; %yk;
ngwg;gl;l mwpTWj;Jjy;fs; njhlh;ghfg; gjpag;gl;l Neuky;yntd;Wk;
nghUl;gLk;.
15
itg;Gf;fs; 4.
tq;fpahdJ> mjd; jdpj; jw;Wzpgpy;> tq;fpapd; kPJ tiuag;glhj
ntspehl;L ehza tiuTfSk; NtW nfhLg;gdTf; fl;lisfSk; nfhs;tdT
nra;ag;gl Ntz;Lkh my;yJ ngw;Wf;nfhs;sg;gLtjw;fhf mDg;gg;gl Ntz;Lkh
vd;gij KbT nra;Ak;. nrYj;Jfpd;w tq;fp gpd;du; kjpg;gspf;fhJtpLk; gl;rj;jpy;
nfhs;tdT nra;ag;gl;l vy;yhg; gzg; gj;jpuq;fs; njhlh;gpYk; tq;fpahdJ
KOikahd kWtop chpikia (tpjpg;gdTfSl;gl) njhlu;e;J itj;jpUf;Fk;.
kjpf;fspf;fhik gw;wpa mwptpj;jy; fpilj;jJk; rk;ge;jg;gl;l gzj; njhif HSBC
Premier fzf;fpy; gw;W itf;fg;gLk;.
5.
a) fzf;fpy; itg;Gr; nra;ag;gLk; fhNrhiyfs; Nrfhpg;Gf;fhf kl;LNk
Vw;Wf;nfhs;sg;gLk;. nrYj;Jk; tq;fpapdhy; mf; fhNrhiyfs; mq;fPfhpf;fg;gLk;
tiu gzj;ij kPsg;ngw KbahJ. gzk; fpilf;Fk; jpfjp ntWk; Fwpg;gpw;fhf
kl;LNk fhl;lg;gLk;. ,e;j tpjpfs; kw;Wk; epge;jidfs; vt;thW ,Ue;jhYk;>
fhNrhiyfisr; Nrfhpf;Fk; kw;Wk; mq;fPfhpf;Fk; Nehf;fj;jpw;F Nrkpg;Gf;
fzf;Ffisg; gad;gLj;j KbahJ. nfhz;LtUgtUf;F> itg;ghsUf;F my;yJ
%d;whk; jug;gpdUf;Fr; nrYj;jf;$bajhf vOjg;gl;l fhNrhiyfs;> gq;fpyhgf;
nfhLg;gdTg; gj;jpuq;fs; kw;Wk; Vida gzg; gj;jpuq;fis itg;gpw;fhf
Vw;Wf;nfhs;s kWf;Fk; chpik tq;fpf;F cz;L.
b) fzf;Ff;fpy;(fzf;Ffspy;) itg;gpyplg;gl;L tuT itf;fg;gl;l &gha;f;
fhNrhiyfs; Njwpg;ngwg;gLtjd; Nghpy; kl;LNk gzj;ij kPsg;ngw KbAk;.
kPsg;ngWiff;fhf gzk; fpilf;ff;$ba Njjp> Rl;bf;fhl;ly; Nehf;fj;Jf;fhf
kl;LNk fhl;lg;gLfpd;wJ. jPu;Tf;fhf/ngw;Wf;nfhs;sg;gLtjw;fhf
itg;gpyplg;gl;litAk;> Vida tq;fpfspd; Nghpy; tiuag;gl;litAkhd
&gha;f; fhNrhiyfs;> fhyj;Jf;Ff;; fhyk; jpUj;jg;glf;$ba = yq;fh
xl;NlhNkl;lw; f;spaupq; `T]; (SLACH) tpjpfSf;F cl;gl;litahf
,Uf;Fk;. fhNrhiyfs; ve;j tq;fspd; Nghpy; tiuag;gl;lNjh me;j
tq;fpfspdhy; tpjpf;fg;gl;l vitNaDk; juFg; gzk;> tq;fpapd; jdpj;
jw;Wzpgpd; Ngupy; tpjpf;fg;gLk; VNjDk; kpiff; fl;lzj;Jld; my;yJ mJ
,y;yhky; me;je;j elg;Gf; fzf;fpy; gw;Witf;fg;gLk;.
16
6.
ntspehl;L ehzaf; fzf;Ffisg; nghWj;jtiuapy;> itg;gpyplg;gLk; ntspehl;L
ehzaj; jhs;fspd; ngWkjpahdJ> ehzar; nryhtzp tPjj;jpYk; je;jptopg; ghpkhw;w
tPjq;fspYkhd NtWghLfs; fhuzkhf rkg; ngWkjpiatpl Fiwthf ,Uf;ff;$Lk;.
7.
tq;fpapd; Nghpy; tiuag;gl;l tiuTfs;/ fhNrhiyfs; xU fzf;fpd; tuTf;Fr;
nrYj;jg;gLk;NghJ> tq;fpahdJ> mjd; ntspaplg;gl;l ,Wg;gdTg; gl;baYf;fpzq;ff;
ifahSif tpjpg;gdTfisf; fopg;gdT nra;Ak;.
8.
itg;Gr; rPl;L ,ae;jpuj;jpdhy; nry;Ygbahf;fg;gLjy; %yk; my;yJ itg;Gr; rPl;by;
tq;fpapd; mjpfhukspf;fg;gl;l mYtyh; xUth; ifnaOj;J ,Ltjd; %yk; rfy
itg;Gf;fSk; Vw;Wf; nfhs;sg;gLk;. mjpfhug+h;t ifnahg;gq;fSk; khjpup nuyu;
Kbtpl mr;rpdJk; epunyhd;iw Ntz;LNfhspd; Nghpy;; ghu;itaplyhk;.
9.
fpisfspy; mike;Js;s ESPMfspy; kw;Wk;;/my;yJ ATM fspy; ,lg;gl;ljhff;
$wg;gLk; vitNaDk; fhNrhiyfSf;fhd tUkjpfs;; (jw;fhypf gw;Wr;rPl;L VNjDk;
toq;fg;gl;bUe;jhYk;) fzf;F itj;jpUg;gthpd; fzf;fpy; tuT
itf;fg;gl;bUe;jhnyhopa> tq;fpahdJ mjw;fhd nghWg;ig Vw;fkhl;lhJ. ESPMs
kw;Wk;/my;yJ ATM fspdhy; toq;fg;gl;l jw;fhypf mwptpj;jy; vt;thwpUg;gpDk;>
fhNrhiyfs; fzf;fpy; tuT itf;fg;gl;be;jhyd;wp> tq;fpahdJ> vr;#o;epiyapYk;
my;yJ vj;jifa vf;fhuzj;Jf;fhfNtDk;> itg;gpyplg;gl;ldthfr; nrhy;yg;gl;l
fhNrhiyfs; njhlu;gpyhd VNjDk; cupikf;Nfhupf;ifia> Vw;Wf;ftdpf;fkhl;lhJ.
rpWth; Nrkpg;Gf; fzf;F
10.
a) guhakilahj xUthpd; (fzf;F itj;jpUg;gth;) ngahpy; HSBC rpWth;
Nrkpg;Gf; fzf;F (fzf;F) Muk;gpf;fg;gLk;. ,f; fzf;fpy; vth; tpUk;gpdhYk;
gzj;ij itg;Gr; nra;a KbAk;.
17
b) fzf;if Muk;gpf;Fk;NghJ tq;fpapdhy; Fwpj;Jiuf;fg;gLk; njhifNa> HSBC
rpWth; Nrkpg;Gf; fzf;if Muk;gpg;gjw;fhd Fiwe;jgl;r Muk;g itg;Gj;
njhifahFk;. ,j; njhif fhyj;jpw;Ff; fhyk; khw;wg;glyhk;.
c) gpwg;Gf;fs; gjpthshpdhy; toq;fg;gl;l guhakilahjthpd; gpwg;Gr; rhd;wpjopd;
%yg;gpujp> fzf;F Muk;gpf;fg;gLk;NghJ tq;fpapd; ghprPyidf;fhfr;
rkh;g;gpf;fg;gl Ntz;Lk;. ,g; gpwg;Gr; rhd;wpjopd; epow;glg; gpujpnahd;iw tq;fp
jdJ Njitf;fhf itj;jpUf;Fk;.
d) ,f; fzf;fpw;Fhpa tl;b tPjk; Kd;dwptpj;jypd;wp khw;wg;glyhk;. fzf;fpw;fhfr;
nrYj;jg;gLk; tpl;b tPjk; tq;fpapd; ,yq;ifapYs;s fpis kw;Wk;/my;yJ
www.hsbc.lk vd;w tq;fpapd; tiyj;jsj;jpy; ghh;itf;F itf;fg;gLk;. mJ
fzf;F itg;ghsUf;F Kiwg;gb toq;fg;gl;l mwptpj;jyhff; nfhs;sg;gLk;.
e) Fwpg;gpl;l fhyg;gFjpapy; fzf;Fj; njhlh;ghf Nkw;nfhs;sg;gl;l rfy
nfhLf;fy; thq;fy;fisAk; vLj;Jf;fhl;Lk; tpguf;$w;Wf;fs; fhyhz;Lf;F xU
jlit toq;fg;gLk;.
f) guhakilahjth; 18 taij mile;jJk;> ,f; fzf;F (fzf;fpw;fhd
Fiwe;jgl;r epge;jid g+h;j;jp nra;ag;gLk; gl;rj;jpy;) xU rhjhuz Nrkpg;Gf;
fzf;fhf khw;wg;gLk;. fzf;F itj;jpUg;gth; mjw;Fj; Njitahd
Mtzq;fis epug;g Ntz;Lk;. guhakilahjth; 18 taij mile;j
jpfjpapypUe;J 30 ehl;fSf;Fs; Njitahd Mtzq;fs; rkh;g;gpf;fg;glhtpl;lhy;>
tq;fpahdJ rk;ge;jg;gl;l fzf;if %LtJld;> guhakilahjthpd; ngaUf;F
vOjg;gl;l tq;fp tiuG xd;iw tq;fpapy; filrpahfg; gjpT nra;ag;gl;bUe;j
fbjj;njhlh;G Kfthpf;F mDg;gpitf;Fk;.
g) guhakilajhth; ,ayhikf;F Mshf Neh;e;jhy;> fzf;fpYs;s gzk;
ngw;NwhUf;F/ngw;Nwhhpd; ngw;NwhUf;F my;yJ ePjpkd;wj;jpdhy; epakpf;fg;gl;l
xU guhkhpg;ghsUf;F my;yJ ghJfhtyUf;F toq;fg;gLk; (mj;jifa
re;jh;g;gj;jpy; ngw;Nwhhpdhy;/ngw;Nwhhpd; ngw;Nwhhpdhy; ePjpkd;wj;jpdhy;
epakpf;fg;gl;l guhkhpg;ghshpdhy; my;yJ ghJfhtyhpdhy; ifnahg;gkplg;gl;l
gw;Wr;rPl;L> mj;jifa nfhLg;gdT toq;fg;gl;ljw;F nry;Ygbahd kw;Wk;
18
NghJkhd rhd;whff; nfhs;sg;gLk;. ,e;j tplak; njhlh;gpy;> guhakilahjth;
cz;ikahfNt ,ayhikf;F MshfpAs;shuh vd;gijj; jPh;khdpf;Fk; KO
chpikAk; tq;fpf;F cs;sJ.
h) guhakilahjth; kuzkila Neh;e;jhy;> fzf;fpYs;s gzk;> ,yq;ifapd;
kuz rhrdk; vOjg;glhj mLj;JWeh; rl;lj;jpd;gb gfph;e;jspf;fg;gLk;.
i) guhakilahj vthpd; ngahpy; fzf;F Muk;gpf;fg;gl;lNjh mtNu fzf;fpy;
itg;Gr; nra;ag;gLk; gzk; KOtjpdJk; gadhspahthh;. MfNt>
guhakilahjth; 18 taij milAk; tiu fzf;fpd; kPsg;ngWif/%Lif
mDkjpf;fg;gl khl;lhJ. vdpDk;> guhakilahjthpd; cah; fy;tp> mtru
kUj;Jt rpfpr;ir my;yJ Fbngah;T Nghd;w Nehf;fq;fSf;fhf my;yJ
fhuzq;fSf;fhf> ngw;NwhH/ngw;Nwhhpd; ngw;Nwhh; my;yJ mth;fs;
capUldpy;iynad;why; ePjpkd;wj;jpdhy; epakpf;fg;gl;l NtnwhU egh; my;yJ
ghJfhtyh; my;yJ guhkhpg;ghsh; tpz;zg;gpf;Fk; gl;rj;jpy; khj;jpuk; fzf;fpd;
kPsg;ngWifia/%Lifia tq;fp jdJ jdpj; jPh;khdj;jpw;Nfw;g
mDkjpf;ff;$Lk;. mj;jifa kPsg;ngWifapd;/%Lifapd;; nry;YgbahFk;
jd;ikiaj; jPh;khdpf;Fk; KO chpikAk; tq;fpf;F cz;L. tq;fp ,J
njhlh;gpy; Mtzr; rhd;Wfisf; Nfhuf;$Lk;.
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itj;jpUg;gthpd;/ ngw;Nwhhpd;/ngw;Nwhiug; ngw;wth;fs; my;yJ ePjpkd;wj;jpdhy;
epakpf;fg;gl;l NtnwhU egh; my;yJ ghJfhtyh; my;yJ guhkhpg;ghshpd;
(,th;fs; $l;lhf “thbf;ifahsh;fs;” vdg;gLth;) nghWg;ghFk;.
tpguf;$w;Wf;fspd; gpujpfs; tq;fpaplkpUe;J Nfhug;gl;lhy;> tq;fpahdJ mjd;
gpuRhpf;fg;gl;l fl;lzg; gl;baYf;Nfw;g xU fl;lzj;ij mwtpl;L ,r;
Nritia toq;Ftjw;F chpik nfhz;Ls;sJ.
19
i. xt;nthU tpguf;$w;Wk; fpilj;jTld; my;yJ mt;thW ,ayhtpl;lhy;
fpilj;j jpfjpapypUe;J Kg;gJ (30) fyz;lh; jpdq;fSf;Fs; (“30 ehs;
kPsha;T”) mjidg; ghprPyid nra;J> xt;nthU gjpitAk; jk;kplKs;s
gjpTfSld; xg;gpl;L cWjpnra;Jnfhs;s thbf;ifahsh;fs;
,zq;Ffpd;wdh;. VNjDk; jtWfs;> tpLgLiffs; my;yJ Nkhrbfs;
mDkjpaw;w ghtidfs; cs;spl;l KiwNfLfs; ,Ue;jhy; my;yJ
tpguf;$w;Wj; njhlh;ghf NtNwJk; Ml;Nrgid ,Ue;jhy;
(,itaidj;Jk; “fzf;F KiwNfLfs;” vdg;gLk;) thbf;ifahsh;fs;
mtw;iw cldbahf tq;fpapd; ftdj;jpw;Ff; nfhz;Ltu Ntz;Lk;. 30
ehs; kPsha;T fhyj;jpw;Fs; mt;tpjk; nra;a thbf;ifahsh;fs;
jtwpdhy;> tpguf;$w;wpy; njhptpf;fg;gl;Ls;s kPjpAk; fzf;F
KiwNfLfs; cs;slq;fyhd rfy gjpTfSk; rhpahditahfTk;
g+uzkhditahfTk; mjpfhuk; mspf;fg;gl;litahfTk;
thbf;ifahsh;fisg; gpzpg;gitahfTk; fUjg;gLk;. mj;Jld;> ,r;
ruj;jpw;F mikthf mwptpj;jy; nfhLf;fg;gl;l nfhLf;fy; thq;fy;fs;
jtpu> kpfr; rkPgj;jpa fzf;F tpguf;$w;Wj; jpfjp tiu ,lk;ngw;w
Vida nfhLf;fy; thq;fy;fSf;fhd rfy nghWg;Gf;fspypUe;Jk; tq;fp
tpLtpf;fg;gLk;.
ii. ruj;J 10.(j) i.,d; fPo; njhptpf;fg;gl;Ls;s flikfis epiwNtw;w
thbf;ifahsh; jtwpdhy;> thbf;ifahshpd; elj;ij my;yJ
jtWifapdhy; my;yJ mjd; tpisthff; fzf;fpy; ,og;G Vw;gLkhapd;
(rfy tifahd ,og;Gf;fs;> tq;fpf;F vjpuhd thpfs;> tpjpg;gdTfs;>
fl;lzq;fs;> mguhjq;fs; my;yJ njz;lq;fSk; ,jpy; cs;slq;Fk;)
mj;jifa ,og;Gj; njhlh;gpy; tq;fpahdJ thbf;ifahsUf;fhd
nghWg;G vijAk; nfhz;bUf;fhJ vd;gij thbf;ifahsh;
Vw;Wf;nfhs;fpwhh;. ,e;j xg;ge;jj;jpdhy; Njitg;gLj;jg;gl;l fhyj;jpw;Fs;
fzf;F tpguf;$w;iw kPsha;T nra;aj; jtWk; nrayhdJ> xg;ge;jj;jpd;
gpufhuk; fzf;F tpguf;$w;W my;yJ nfhLf;fy; thq;fy; gjpNtLfs;
kPsha;T nra;ag;gl;L> mjd; %yk; VNjDk; jtW my;yJ tpLgLif
fz;Lgpbf;fg;gl;bUf;ff;$ba fhyk; tiu Vw;gl;l VNjDk; ,og;gpd;
msTf;Nf fhuzkhf my;yJ gq;fspg;Gr; nra;tjhff; fUjg;gLk;
20
vd;gij thbf;ifahsh; xg;Gf;nfhs;fpwhh;. tq;fpapd; g+uz ftdaPdk;
my;yJ Ntz;Lnkd;Nw Nkw;nfhs;sg;gl;l jtwhd eltbf;if fhuzkhf
fzf;fpypUe;J jtwhf kPsg;ngwg;gl;l gpujhd njhifapd; cz;ikahd
Neub ,og;gpw;F kl;LNk tq;fp nghWg;Ngw;Fk; vd;gijAk; thbf;ifahsh;
xg;Gf;nfhs;fpwhh;.
k) tq;fpahdJ fzf;fpy; jtWjyhf VNjDk; gzj;ij tuT itj;Jtpl;lhy;> ve;j
NtisapYk; mJ njhlh;ghd gjpit Neh;khw;wk; nra;aTk; rk;ge;jg;gl;l
njhifia thbf;ifahshplkpUe;J NfhuTk; chpik nfhz;Ls;sJ.
l) tpguf;$w;Wr; Rw;Wtl;lj;jpd; KbtpypUe;J 14 jpdq;fSf;Fs; tpguf;$w;W
fpilf;fhtpl;lhy;> tq;fpf;F mJ gw;wp mwptpf;f Ntz;Lk;. xt;nthU
tpguf;$w;Wk; fpilj;jTlNd mjidg; ghprPyid nra;J> mjpYs;s gjpTfisr;
rhpghh;f;f ngw;Nwhh;/guhkhpg;ghsG/ghJfhtyh; ,zq;Ffpd;whh;.
kPsg;ngWjy;fs;
11.
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Kjph;r;rpailAk; jpfjpapy;> mg;NghJ epyTfpd;w tl;b tPjj;jpy; kw;WnkhU xj;j
fhyg;gFjpf;Fg; GJg;gpf;fg;gLk;.
12.
fhy itg;Gf;fis mjd; Kjpu;r;rpapd; gpd;du; khj;jpuNk kPsg;ngwyhk;. VNjDk; fhy
itg;gpd; Kjpu;r;rpg; ngWtdTj; njhiffshdJ> mj; njhifapid kPs; KjyPL
nra;tjw;fhd mwpTWj;jy; vJTk; toq;fg;gl;bUf;fhtpbd;> Fwpg;gplg;gl;l Kjpur;rpj;
jpdj;jpypUe;J cldbahf mLj;JWfpd;w Ntiy ehspy; khj;jpuNk kPsspf;fg;gLk;.
13.
vdpDk;> fzf;F itj;jpUg;gtupdhy; (itj;jpUg;gth;fspdhy;) cupa Kiwapy;
mq;fPfupf;fg;;gl;l vOj;J %y Ntz;Ljy; tpLf;fg;gbd;> (tq;fpf;F toq;fg;gl;bUf;fpd;w
mjpfhkspg;gpw;F Vw;g) tq;fpahdJ jdJ jw;Wzpgpd;; Nghpy; fhy itg;Gf;fis
mtw;wpd; Kjpu;r;rpf;F Kd;Ng tpLtpf;ff;$Lk;. mt;thW tq;fpapd; jdpj; jw;Wzpgpd;;
Nghpy; Kjpu;r;rpf;F Kd;du; tpLtpf;fg;gl;l fhy itg;Gf;fs; tq;fpapd; fl;lzg;
gl;baypy; njhptpf;fg;gl;Ls;sjw;F mikthd jz;lg; gz tpjpg;Gf;fSf;F cl;gLk;.
21
14.
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my;yJ NtNwJk; fhuzj;jpw;fhf> fhy itg;gpid Kjph;r;rpf;F Kd;Ng jpUk;gg;
ngw;why;> tq;fpapd; fl;lzg; gl;baypy; njhptpf;fg;gl;Ls;sjw;F mikthd jz;lf;
fl;lzq;fs; mwtplg;gLk;.
15.
fhy itg;Gf;spd; kPsg;ngWif kw;Wk; tl;b kPJ xOq;FgLj;Jdh;fs; fl;Lg;ghLfis
tpjpf;Fk; gl;rj;jpy; fzf;F itj;jpUg;gtu;(fs;) mj;jifa fl;Lg;ghLfSf;Fg;
gzpe;njhOf Ntz;Lk;.
fhNrhiyfs;
16.
HSBC Premier elg;Gf; fzf;F itj;jpUg;NghUf;F vOj;ijf; fz;lwpAk; tifapy;
fhe;j ikapdhy; mr;rplg;gl;l HSBC Premier fhNrhiyg; Gj;jfk;(fs;) toq;fg;gLk;.
murhq;f Kj;jpiu thp ,Ug;gpd; mjidAk; mr;rpLk; nryit <Lnra;tjw;fhf
tq;fpapd; ntspaplg;gl;l ,Wg;gdTg; gl;baYf;fpzq;f tpjpg;gdTfs; mwtplg;gLk;.
17.
fzf;F itj;jpUg;gth;(fs;)> Mizaspg;gpw;Fk; tq;fpf;F toq;fg;gl;l khjphpf;
ifnahg;gj;jpw;Fk; (ifnahg;gq;fSf;Fk;) mikthfNt fhNrhiyfspy; ifnahg;gkpl
Ntz;Lk;. ifnahg;gk; my;yJ ifnahg;gq;fspy; nra;ag;gLk; khw;wq;fs; cldbahf
tq;fpf;F vOj;jpy; mwptpf;fg;gl Ntz;Lk;.
18.
fhNrhiyg; Gj;jf tpz;zg;g Ntz;LNfhs; fpilj;jTld; tq;fpahdJ fzf;F
itg;ghshpd; (itg;ghsh;fspd;) tq;fpapy; gjpT nra;ag;gl;l Kftupf;F mjid jghy;
%yk; mDg;gpitf;Fk;. ,J njhlh;gpy; Vw;gLk; jhkjj;jpw;F my;yJ ,og;Gf;F tq;fp
nghWg;ghspahfhJ.
22
19.
xU Gjpa fhNrhiyg; Gj;jfk; fpilj;jTld; mjd;kPJ gjpg;gplg;gl;l njhlu;
,yf;fq;fs;> fzf;F ,yf;fk; kw;Wk; fzf;F itj;jpUg;gtupd; (itj;jpUg;gth;fspd;)
ngau;(fs;) vd;gtw;iwAk;> fhNrhiyfspd; vz;zpf;ifiaAk; rupghu;j;Jf; nfhs;s
Ntz;Lk;. vitNaDk; xOq;fPdq;fs; ,Ug;gpd; cldbahf tq;fpf;F mwptpf;f
Ntz;Lk;. vitNaDk; fhNrhiyfis tiutjw;F Kd;du;> fhNrhiyg; Gj;jfj;jpd;
Kd;dl;ilapd; cl;gFjpapy; gjpg;gplg;gl;l fhNrhiy tpepNahfpg;gjw;fhd
epge;jidfis fzf;F itj;jpUg;gtu;(fs;) ed;F thrpf;f Ntz;Lk;. fhyj;jpw;Ff;
fhyk; toq;fg;gLfpd;w epge;jidfSf;F my;yJ jpUj;jq;fSf;F fzf;F
itj;jpUg;gtu;(fs;) fl;Lg;gl;L elf;f Ntz;Lk;.
20.
fhNrhiyahdJ epue;ju ikapdhy; tq;fpahy; toq;fg;gl;l fhNrhiyfspy; khj;jpuk;
tiuag;gl Ntz;Lk;. fhNrhiy tiugtupd;(fspd;) xt;nthU jpUj;jKk; G+uz
ifnahg;gk;(fs;) %yk; cWjpg;gLj;jg;gl Ntz;Lk;. fhNrhiyfis tiutjw;F
kpd;rhu/,yj;jpudpay; jl;lr;Rf;fs; kw;Wk; mopglf;$ba ik vd;gtw;iwg; ghtpf;ff;
$lhJ. cldbahff; fz;Lgpbf;fg;gl Kbahj jpUj;jj;jpypUe;J vOfpd;w
,og;Gf;fSf;F tq;fp nghWg;ghfhJ.
21.
fhNrhiyj; jhs;fs; fhzhkw;Nghdhy;/ fsthlg;gl;lhy; my;yJ jtwhd ,lj;jpy;
itf;fg;gl;lhy;> fzf;F itj;jpUg;gth; fhNrhiy ,yf;fk;> fzf;fpyf;fk;> Njjp>
njhif kw;Wk; gzk;ngWgtupd; ngau; vd;gtw;iwf; nfhLj;J> nfhLg;gdit
epWj;Jk;gb tq;fpf;F cldbahf vOj;jpy; mwpTWj;Jjy; tpLf;f Ntz;Lk;.
rk;ge;jg;gl;l fhNrhiy/fs;> mj;jifa mwpTWj;Jjy; ngwg;gl;l Neuk; tiu
nrYj;jg;gl;buhtpbd; kl;LNk mj;jifa vy;yh mwpTWj;Jjy;fSk;
gaDiladthftpUf;Fk;. njhiyNgrp %yk; nfhLf;fg;gl;l nfhLg;gdit
epWj;Jtjw;fhd mwpTWj;Jjy;fs;> 48 kzpj;jpahyq;fSf;Fs; vOj;jpy;
cWjpg;gLj;jg;gl Ntz;Lk;. mj;jifa vOj;jpyhd mwpTWj;Jjy;fs; tq;fpapdhy;
ngwg;glhjtplj;J> fzf;Fitj;jpUg;gtUf;fhd VNjDk; mwptpj;jypd;wp> nfhLg;gdit
epWj;Jtjw;fhd mwpTWj;Jjiy ,y;yhjhf;Ftjw;fhd cupikia tq;fp
nfhz;Ls;sJ. 48 kzpj;jpahyq;fSf;Fs; vOj;jpy; cWjpg;gLj;jg;glhj nfhLg;gdit
epWj;Jtjw;fhd mwpTWj;Jjy;fspd; kPJ nrayhw;whikf;fhf tq;fp
23
nghWg;ghfkhl;lhJ. ,e;j Nehf;fj;Jf;fhf> ,og;ngjph;fhg;Gg; gbtk; xd;iw fzf;F
itg;ghsh;(fs;) cupa Kiwapy; epug;g Ntz;Lk;.
22.
fhNrhiyg; Gj;jfq;fs; ghtpf;fg;glhj Neuj;jpy;; mit ghJfhg;ghd Xh; ,lj;jpy;
itf;fg;gl;bUg;gij fzf;F itj;jpUg;gtu;(fs;) cWjpnra;a Ntz;Lk;.
23.
,yq;if kj;jpa tq;fpapdhy; fhyj;jpw;Ff; fhyk; ntspaplg;gLk; gpukhzq;fSf;F
,zq;fpnahOFtjw;fhf VNjDk; fhNrhiyfis jilnra;a kw;Wk;/my;yJ
jpUg;gpaDg;g tq;fpf;F chpikAz;L.
ntspehl;L ehzaf; fzf;Ffs;
24.
eilKiwf; fzf;Ffs;/Nrkpg;Gf; fzf;Ffs;> fhy itg;Gf; fzf;Ffs;
cs;slq;fyhd (Mdhy; mit kl;Lky;y) ntspehl;Lf; fzf;Ffs;> ,yq;if kj;jpa
tq;fpapdhy; fhyj;jpw;Ff; fhyk; ntspaplg;gLk; ghpth;j;jidf; fl;Lg;ghl;Lg;
gpukhzq;fs; kw;Wk;/my;yJ topfhl;Ljy;fSf;F mikthf> Muk;gpf;fg;gl;Lg;
Ngzg;glyhk;. fzf;F itg;ghsh;fs; tq;fpapd; ve;jnthU fpisapYk; Nfl;Lg;
ngwf;$ba mj;jifa gpukhzq;fs; kw;Wk;/my;yJ topfhl;Ljy;fspdhy; MSif
nra;ag;gLthh;fs;. VNjDk; njhif ,d;DnkhU ehzaj;jpw;F khw;wg;gl Ntz;Lkhapd;>
mj;jifa ehzaj;jpw;nfd mg;NghJ eilKiwapypUe;j tq;fpapd; ghpth;j;jid
tPjj;jpy; my;yJ ,yq;if kj;jpa tq;fpapdhy; Fwpj;Jiuf;fg;gLk; VNjDk; tPjj;jpy;
mt;thW nra;ag;gLk;.
25.
Muk;gpf;fg;gLk; rfy ntspehl;L ehzaf; fzf;FfSk; ,yq;if kj;jpa tq;fpapdhy;
Fwpj;Jiuf;fg;gl;l ehzak; my;yJ ehzaq;fspYk; tq;fpapd; cs;sff; nfhs;iff;F
mikthfTk; khj;jpuNk Muk;gpf;fg;gLk;.
24
HSBC Premier gw;W ml;il
26.
gw;W ml;ilapd; toq;fy;
i. gw;W ml;ilapd; toq;fy; kw;Wk; ghtidahdJ ,yq;if kj;jpa tq;fpapdhy;
(CBSL) tpjpf;fg;gl;l xOq;FtpjpfSf;Fk;> fhyj;Jf;Ff; fhyk; mKypy;
,Uf;ff; $ba epajpfSf;Fk; mikthf ,Uf;Fk;.
ii. gw;W ml;il kw;Wk; njhlu;Gila jdpg;gl;l milahs ,yf;fk; (“PIN”)
vd;gd ml;il itj;jpUg;gtupd; ngaupy; toq;fg;gLk;. toq;fg;gl;l ml;ilia
jdJ ghJfhg;gpy; itj;jpUf;Fk; nghWg;G ml;il itj;jpUg;gtiur;
rhue;jjhFk;.
iii. ,yq;if kj;jpa tq;fpapd; (CBSL) topfhl;ly;fis my;yJ ehzaf;
fl;Lg;ghl;Lr; rl;lk; kw;Wk;/my;yJ nraw;ghl;L mwpTWj;jy;fs; kw;Wk;/my;yJ
mjd; fPo; Nkw;nfhs;sg;gl;l xOq;Ftpjpfs; (“ehza khw;Wf; fl;Lg;ghl;L
xOq;F tpjpfs;) my;yJ Fwpg;gpl;l fhyj;jpy; mg;Nghijf;F mKypy;
,Uf;fpd;w Vida rl;lk;> rl;ltpjpfs;> kw;Wk; xOq;Ftpjpfis kPWtjd;
tpisthf vOfpd;w VNjDk; jz;lid cl;gl gw;W ml;ilapd; VNjDk;
mDkjpaw;w gad;ghL my;yJ njhlu;Gila jdpg;gl;l milahs
,yf;fq;fspd; gad;ghl;bdhy; cwg;gLfpd;w ,og;G my;yJ Nrjj;Jf;fhf>
tq;fpapd; gupkhw;wy;fshf ,Ue;jhYk; ,y;yhtpl;lhYk;> gw;W ml;ilapd;
ghtidahy; tpisTf;F cl;gl;l rfy gupkhw;wy;fSf;Fk; ml;il
itj;jpUg;gtu; nghWg;Gilatuhthu;. ,izg;Gf; fzf;Ffs; tplaj;jpy;>
NkYs;sijg; Nghd;w rfy elbf;iffs;> ,og;Gf;fs;> Nfhupf;ifg; ngWiffs;
kw;Wk; gw;W ml;ilg; ghtidahy; vOfpd;w tpisTfs;> gw;W ml;ilg;
ghtidahy; tpisTf;Fl;gl;l jdpg;gl;l milahs ,yf;fq;fspd; ghJfhg;G
kw;Wk; gupkhw;wy;/fs; vd;gtw;Wf;F vjpuhf rfy fzf;F itj;jpUg;gtu;fSk;
jdpj;jdpahfTk;> $l;lhfTk; ,og;ngjph;fhg;G toq;f Ntz;Lk;. mj;jifa
,izg;G fzf;Ffs; tplaj;jpy; rfy flikfs;> gjpyspg;Gf;fs; kw;Wk; ml;il
itj;jpUg;gtupd; kPJ mspf;fg;gl;l nghWg;Gf;fs; Nghd;wtw;Wf;F ml;il
itj;jpUg;gth;(fs;) $l;lhfTk; jdpj;jdpahfTk; nghWg;Ngw;f Ntz;Lk;.
25
gw;W ml;ilapd; ghtidahy; VNjDk; gzj;ij kPsg; ngWjy;> khw;Wjy; njhlh;ghf
kw;Wk;/my;yJ VNjDk; Vida nfhLf;fy; thq;fy;fspd; tpisthf Vw;gLk;
njhifahdJ fzf;fpy; gw;W itf;fg;gLk; VNjDk; nfhLf;fy; thq;fiy
Nkw;nfhs;tjw;Fg; NghJkhd gzj;ij ml;il itj;jpUg;gtu; jdJ fzf;fpy; Ngz
Ntz;Lk;. tq;fpf; fzf;fpypUe;J Nkyjpfg; gw;iw ngWk; chpik ml;il
itj;jpUg;gtUf;Ff; fpilahJ. Nkyjpfg; gw;W njhlh;ghf tq;fpNahL VNjDk;
cld;gbf;if ,Ue;jhy;> me;j Nkyjpfg; gw;wpd; tiuaiwf;F Nkyjpfkhfg; gzj;ij
kPsg;ngWtjw;F ml;iliag; gad;gLj;jf; $lhJ.
27.
ml;il itj;jpUg;gtupd; flg;ghLfSk; ml;ilapd; nry;Ygbj; jd;ikAk;.
i. ml;il fpilj;jTld; ml;il itj;jpUg;gtu; cldbahf mjpy; ifnahg;gkpl
Ntz;Lk;. vtNuDk; Vida Ms; ml;iliag; ghtpg;gjw;F ml;il
itj;jpUg;gtu; mDkjpf;ff; $lhJ. ml;il itj;jpUg;gth; mtuJ ml;ilia
ve;j NeuKk; jdJ fl;Lg;ghl;by; itj;Jf;nfhs;tjd; %yk; mJ J\;gpuNahfk;
nra;ag;gLtijj; jLf;f Ntz;Lk;.
ii. gw;W ml;iliag; ghtpg;gjw;fhf ml;il itj;jpUg;gtUf;F toq;fg;gLfpd;w
jdpg;gl;l milahs ,yf;fk; my;yJ jdpg;gl;l milahs ,yf;fq;fshfg;
ghtpg;gjw;F ml;il itj;jpUg;gtuhy; njupT nra;ag;gl;l vitNaDk;
,yf;fq;fs; vd;gd ml;il itj;jpUg;gtupd; ghtidf;F kl;LNk vd;gNjhL
mit ifkhw;wj; jfhjJk; kpfTk; ,ufrpakhfg; Ngzg;gl Ntz;baJkhFk;.
jdpg;gl;l milahs ,yf;fq;fs; NtW jug;gpduhy; ghtpg;gjw;F
,lkspf;ff;$ba VNjDk; tbtpy;> ,lj;jpy; my;yJ Kiwapy; vOjp
itf;fg;glf; $lhJ. jdpg;gl;l milahs ,yf;fq;fis ve;jr; re;jh;g;gj;jpYk;
VNjDk; topapy; Ntz;Lnkd;Nwh my;yJ NtW tifapNyh vtNuDk; %d;whk;
jug;gpdUf;F ntspg;gLj;jf; $lhJ.
26
iii. ml;ilahdJ> ml;ilapy; Fwpg;gplg;gl;l khjj;jpd;/tUlj;jpd; ,Wjp ehs;tiu
nry;YgbahFk;. ml;il itj;jpUg;gtu;> ml;il fhyhtjpahFk;NghJ mjidg;
gy Jz;Lfshff; fpopj;J mopg;gjw;F cld;gLfpwhh;. ml;il
fhyhtjpahFk;NghJ> HSBC jdJ jw;Wzpgpd; Nghpy; fzf;F elj;ijia
kjPg;gPL nra;j gpd GJg;gpf;fg;gl;l ml;ilia ml;il itj;jpUg;gtUf;F
mDg;gpitf;Fk;. gw;W ml;ilia GJg;gpf;Fk; jdp cupikia HSBC
nfhz;Ls;sJ.
28.
ATM ghtid
i. HSBC FOk; ATM ,ae;jpuq;fspYk;> tPrh ATM tiyaikg;gpy; ,lk;ngWk;
Vida cyfyhtpa tq;fpfspd; ATM fspYk; gw;W ml;ilfs; Vw;Wf;
nfhs;sg;gLk;.
ii. tq;fpahdJ> ml;il itj;jpUg;gtUf;F mwptpj;jy; nfhLj;Jtpl;L> jdJ
jw;Wzpgpd; Nghpy; ATM gzg; ghpkhw;w trjpiaAk; rfy tifahd nfhLf;fy;
thq;fy;fSf;FKhpa gz khw;w trjpiaAk; jw;fhypfkhf thg]; ngw my;yJ
KbTWj;j KbAk;. ATM Clhf ehs; xd;wpw;F Nkw;nfhs;sf;$ba gz
khw;wq;fs;> nfhs;tdTj; njhiffs; kw;Wk; gz kPsg;ngWiffSf;fhd
cr;rtuk;ig khw;Wtjw;F tq;fp chpik nfhz;Ls;sJ. ,e;j khw;wk;>
www.hsbc.lzk vd;w tq;fpapd; tiyj;jsj;jpy; ntspaplg;gLk;.
iii. ,yq;if my;yhj ehLfspy; HSBC FOk;/tPrh ATM ,ae;jpuq;fspy; ml;il
itj;jpUg;gtuhy; Nkw;nfhs;sg;gLk; gz kPsg;ngWiffs;> eilKiwapYs;s
fl;lzj;jpl;lj;jpw;F mikthd xU kPsg;ngWiff; tpjpg;gdTf;F cl;gLk;.
,yq;ifapYs;s tPrh ATM ,ae;jpuj;jpy; Nkw;nfhs;sg;gLk; gz kPsg;
ngWiffSf;Fk; xU fl;lzk; mwtplg;gLk;. gzk; kPsg;ngwg;gLk;NghJ ,J
fzf;fpy; gw;W itf;fg;gLk;.
27
iv. ml;ilg; ghtid %yk;; VNjDk; ATM ,ae;jpuj;jpy; itg;gpy; ,lg;gLk; gzk;
kw;Wk;/my;yJ fhNrhiyfs; tq;fpahy; Ch;[pjk; nra;ag;gl;l gpd;du; khj;jpuNk
tuT itf;fg;gLk;. mJ rfy Nehf;fq;fSf;Fk; ,Wjpahdjhf ,Uf;Fk;.
itg;Gr; nra;Ak; Neuj;jpy; ATM ,ae;jpuj;jpdhy; toq;fg;gl;l gw;Wr;rPl;lhdJ>
ml;il itj;jpUg;gtu; itg;Gr; nra;Jshh; vd;W $wg;gLtij khj;jpuNk
gpujpepjpj;Jtg;gLj;Jk;. mJ tq;fpapd; kPJ vt;tpj gpizg;igAk; Vw;gLj;j
khl;lhJ. fhNrhiyfs; Nrfupg;Gf;fhf khj;jpuNk Vw;Wf;nfhs;sg;gLk; vd;gNjhL
mf; fhNrhiyfs; gzkhf khw;wg;gLk; tiu gzj;ij kPsg;ngw ngw KbahJ.
gzj;ij kPsg;ngWk;NghJ ATM ,ae;jpuj;jpdhy; ntspaplg;gl;l vitNaDk;
mwpf;iffs;> HSBC ,dhy; NtW tpjkhf cWjp nra;ag;glhj gl;rj;jpy;>
Kbthdjhf ,Uf;Fk;. mj;jifa VNjDk; cWjpg;gLj;jy; ,WjpahdjhfTk;
KbthdjhfTk; ,Uf;Fk; vd;gNjhL mt;thW cWjpnra;ag;gl;l njhif ml;il
itj;jpUg;gtupd; kPJ gpzpg;Gilajhf ,Uf;Fk;.
v. gw;W ml;il toq;fg;gl;l ehl;ilj; jtpu NtW xU ehl;by; fpilf;ff;$ba
ATM ,ae;jpuj;jpd; NritahdJ mj;jifa Vida ehl;by; tYtpYs;s
xOq;F tpjpfspdhy; MSif nra;ag;gLk;. ,e;j Nritfs; Kd;dwpypj;jy;
,d;wp jpUg;gpg; ngwg;gl;lhy; mjw;F HSBC nghWg;Gilajhf khl;lhJ.
29.
tzpf epWtdg; gad;ghL
i. gw;W ml;ilahdJ ,yj;jpudpay; ghtidf;fhf khj;jpukhFk; vd;gNjhL
tpw;gid ];jhdj;jpy; ,yj;jpdpay; %ykhd nfhL;f;fy; thq;fy;fisr;
nra;af;$ba epiyapYs;s tzpf epWtdq;fspy; khj;jpuNk mJ
Vw;Wf;nfhs;sg;gLk;. mj;ifa ,yj;jpudpay; nfhLf;fy; thq;fYf;fhd
trjpaw;w tzpfj; epWtdq;fspy;; nfhs;tdTfSf;fhf ml;iliag;
gad;gLj;Jjy; mDkjpaw;w nrayhff; fUjg;gLk;. ,j;;jifa nfhLf;fy;
thq;fy;fSf;F ml;il itj;jpUg;gtNu nghWg;ghspahthh;.
28
ii. toq;fg;gl;l ml;ilahdJ> ghJfhg;G Nehf;fj;jpw;fhf> tzpf epWtdq;fspy;
cldbahfg; gad;gLj;j Kbahjjhf ,Uf;Fk;. vdNt> tzpf epWtdq;fspy;
nfhLf;fy; thq;fy;fisr; nra;af;$bajhf ml;iliar; nraw;gLj;Jtjw;F>
ml;il itj;jpUg;gtu; HSBC,d; thbf;ifahsu; Nrit Neub njhiyNgrpf;F
miog;ig Vw;gLj;jp ml;iiar; nraw;gLj;jpf;nfhs;s Ntz;Lk;.
iii. tzpf epWtdq;fspt;; nfhLg;gdTfis Nkw;nfhs;tjw;F ml;iliag;
ghtpf;Fk;NghJ ml;ilia itj;jpUg;gtu; tpw;gidr; rPl;by; ifnahg;gkpl;L
mtupd; gpujpia jk;Kld; itj;Jf;nfhs;s Ntz;Lk;. Nkyjpf fl;lzk;
nrYj;jp> tpw;gidr; rPl;bd; gpujpfis HSBC ,lkpUe;J ngw;Wf;nfhs;syhk;.
ml;il ,yf;fk; Fwpg;gplg;gl;L ml;il itj;jpUg;gtupd; ifnahg;gj;ijf;
nfhz;l xU tpw;gidr; rPl;lhdJ> ml;il itj;jpUg;gtupdhy; cwg;gl;l
nghWg;gpd; msT njhlh;gpy; HSBCf;Fk; ml;il itj;jpUg;gtUf;Fk;
,ilapyhd cld;ghl;bw;F Kbthd rhd;whf ,Uf;Fk;. ml;il itj;jpUg;gtu;
jhd; ngw;w nghUl;fs; kw;Wk; Nritfs; Fwpj;Jj; jpUg;jp mile;Js;shuh
vd;gij cWjpnra;Ak; mtrpak; vJTk; HSBCf;F fpilahJ. VNjDnkhU
tpw;gidr; rPl;L ml;il itj;jpUg;gtuhy; jdpg;gl;l Kiwapy;
ifnahg;gkplg;glhjNghjpYk;> mJ cz;ikapNyNa mtuhy; mq;fPfhpf;fg;gl;lJ
vd;W ep&gpf;fg;gLkhdhy;> mjw;fhd nghWg;ig ml;il itj;jpUg;gtNu Vw;f
Ntz;Lk;.
iv. ,yq;ifapYk; ntspehLfspYk; Vw;Wf;nfhs;sg;gLfpd;w gw;W ml;ilahdJ
tPrh ,yr;rpidiaf; fhl;rpg;gLj;Jk;. nghUl;fs; kw;Wk; Nritfspd;
toq;fy;fs; (Mdhy; mtw;Wf;F khj;j;puk; kl;LgLj;jg;glhjit) njhlh;gpy;
ml;il itj;jpUg;gtUld; tzpf epWtdk; Nkw;nfhs;sf;$ba vitNaDk;
nfhLf;fy; thq;fy;fSf;fhd VNjDk; nghWg;gpid HSBC
Vw;Wf;nfhs;skhl;lhJ. ml;il itj;jpUg;gtUf;F tpiyf;fopTfshf
toq;fg;gLk; mj;jifa rYiffs; njhlh;gpy; %d;whk; jug;gpduhy;; toq;fg;gLk;
nghUl;fs; kw;Wk; Nritfspd; juj;ij HSBC cj;juthjg;gLj;Jtjpy;iy.
toq;fg;gLfpd;w nghUs; my;yJ NritahdJ VNjDk; topapy; FiwghL
cilajhf my;yJ NtW tifapy; jpUg;jp mw;wjhf ,Ug;gp;d; HSBC mjw;F
nghWg;ghfkhl;lhJ. VNjDk; tzpf epWtdk; njhlh;gpy; ml;il
29
itj;jpUg;gtUf;F VNjDk; Kiwg;ghL ,Ue;jhy; mth; mjid me;j tzpf
epWtdj;Jld; jPu;j;Jf; nfhs;s Ntz;Lk;. ml;il itj;jpUg;gtu; mt;thW
nra;aj; jtwpdhy;> HSBC cldhd vitNaDk; flg;ghLfspypUe;J mth;
tpLtpf;fg;glkhl;lhu;. vdpDk;> rhj;jpakhd re;ju;g;gj;jpy; ml;il
itj;jpUg;gtUf;F HSBC mjd; Kaw;rpahy; cjtp nra;ayhk;. ,e;j
cjtpiag; ngWtjw;fhf> ml;il itj;jpUg;gtu; VNjDk; rhd;W
Mtzq;fSld HSBCf;F cldbahf Kiwg;ghL nra;a Ntz;Lk;.
v. tUkjpfisr; Nrfhpg;gJ njhlh;ghf (vtNuDk; KftUf;F tplaj;ijg;
ghug;gLj;Jk; mtrpak; Vw;gl;lhy;) my;yJ gpzf;F xd;iwj; jPh;g;gjw;Fg;
gad;gLj;jg;gLk; rl;l tsq;fs; njhlh;ghf Vw;gLk; fpuaq;fs;> rl;l nryTfs;
midj;jpw;Fk; ml;il itj;jpUg;gtNu nghWg;ghspahthh;.
vi. gw;W ml;ilia Vw;Wf;nfhs;tjw;F VNjDk; tzpf epWtdk; kWf;Fkhapd;>
mjw;fhd nghWg;ig HSBC Vw;fhJ.
vii. VNjDk; tzpf epWtdj;jpdhy; Nkyjpfkhf mwtplg;gl;L> nfhLf;fy; thq;fy;
njhifAld; fzf;fpy; gw;W itf;fg;gl;l VNjDk; kpif tpjpg;Gf;F HSBC
nghWg;ghfkhl;lhJ.
viii. xU nfhs;tdTf; nfhLf;fy; thq;fYk;; nghUl;fs;/Nritfis
,uj;Jr;nra;tjhy; Vw;gLk; tuTf; nfhLf;fy; thq;fYk; ,uz;Lk; ntt;Ntwhd
gupkhw;wq;fshFk;. ,uj;Jr;nra;if ,lk;ngWk;NghJ> tzpf epWtdj;jplkpUe;J
gzk; fpilj;j gpd;Ng mg; gzk; (mjw;fhd fl;lzj;ijf; fopj;Jf;nfhz;L)
fzf;fpy; kPs tuT itf;fg;gLk;. gzk; jpUg;gpf; fpilj;j jpdj;jpypUe;J 30
ehl;fSf;Fs; fzf;fpw;Fg; gzk; mDg;gg;glhtpl;lhy;> ml;il itj;jpUg;gtu;
tzpf epWtdj;jplk; toq;fpa tuTf; Fwpg;gpd; gpujpnahd;Wld; HSBCf;F mJ
gw;wp mwptpf;f Ntz;Lk;.
30
ix. gw;W ml;ilahdJ gy fzf;FfSld; ,izf;fg;gl;bUe;jhy;> tzpf
epWtdq;fspd; nfhLf;fy; thq;fy;fs; gpujhd fzf;fpy; gw;W itg;gjd; %yk;
nraw;gLj;jg;gLk;. mj;jifa nfhLf;fy; thq;fy;fisr; nraw;gLj;Jtjw;F
Nghjpa gzk; ,f; fzf;fpy; ,y;yhj re;ju;g;gj;jpy;> gw;W ml;ilAld;
,izf;fg;gl;Ls;s Vida fzf;Ffspy; xl;Lnkhj;jkhf my;yJ jdpj;jdpahf
Njitahd gzk; ,Ue;jhYk; HSBC mf; nfhLf;fy; thq;fy;fis
Vw;Wf;nfhs;shJ.
30.
ru;tNjrg; ghtid
i. gw;W ml;ilapd; ghtidahdJ rfy re;ju;g;gq;fspYk; ehzag; ghpth;j;jidf;
fl;Lg;ghl;Lg; gpukhzq;fSf;F mikthdjhf ,Uf;f Ntz;Lk;. mt;thW
,zq;fpnahOFjypy; VNjDk; jtWif Vw;gLfpd;w re;ju;g;gj;jpy;> ehzag;
ghpth;j;jidf; fl;Lg;ghl;Lr; rl;lj;jpd; fPo; vLf;fg;glf;$ba eltbf;iff;F
fzf;F itj;jpUg;gtu;(fs;) $l;lhfTk; jdpj;jdpahfTk; nghWg;Ngw;f Ntz;Lk;.
HSBC toq;fpa gw;W ml;ilia itj;jpUg;gjpypUe;J mth;fs; HSBC ,dhy;
my;yJ ,yq;if kj;jpa tq;fpapdhy; jil nra;ag;glyhk;. ehzag;
ghpth;j;jidf; fl;Lg;ghl;L gpukhzq;fSf;F ,zq;fpnahOfhikapdhy; vOfpd;w
VjDk;/midj;J tpisTfSf;Fk; vjpuhf fzf;F itj;jpUg;gtu;fs; $l;lhfTk;
jdpj;jdpahfTk; HSBCf;F ,og;ngjph;fhg;G mspg;gJld;> mj;jifa
,lu;fspypUe;J HSBCf;F jPq;F tuhky; ghJfhf;fTk; Ntz;Lk;.
ii. gw;W ml;il toq;fg;gl;l ehL jtpu;e;j Vida ehLfspy; Nkw;nfhs;sg;gl;l
gzg; ngWiffs; midj;Jk;; tq;fpapdhy; fhyj;Jf;Ff; fhyk;
mwptpf;fg;glf;$ba gzg;; ngWiff; fl;lzk; xd;Wf;F cl;gLk;. gw;W
ml;ilia toq;fpa ehL jtpu;e;j NtW ehnlhd;wpy; Nfhug;gLk; ATM
Nritfs; me;j ehl;by; eilKiwapYs;s xOq;Ftpjpfspd; MSiff;F
cl;gLk;. ,r; Nritfs; Kd;dwptpj;jypd;wp thg]; ngwg;gl;lhy; tq;fp mjw;Fg;
nghWg;ghf khl;lhJ.
31
iii. gpuahzr; nryTfs;> N`hl;ly; fl;lzq;fs;> jw;nrayhd nryTfs;> kUj;Jtr;
nryTfs;> fy;tpr; nryTfs;> gpuahzf; fhg;GWjpr; nryTfs;> Rfhjhuk; kw;Wk;
jdpg;gl;l ghtidf;fhd nghUs;fspd; nfhs;tdT Nghd;w jdpg;gl;l
nryTfSf;fhf khj;jpuNk ml;il itj;jpUg;gth; jdJ ml;ilia
ntspehl;by; my;yJ ntspehl;L ehzak; mwtplg;gLfpd;w nfhLf;fy;
thq;fy;fspy; ghtpf;f Ntz;Lk;. %yjdf; nfhLf;fy; thq;fy;fs;;> tu;j;jf
uPjpahd njhiffspy; nghUs;fis nfhs;tdT nra;jy; kw;Wk; ,wf;Fkjp
nra;jy; njhlu;ghd nryTfSf;F mth; ,e;j ml;iliag; ghtpf;ff; $lhJ.
iv. ,yq;if &ghia VNjDk; ntspehl;L ehzaj;Jf;F khw;Wfpd;w epfo;T
,lk;ngWk; tifapyhd VNjDk; nfhLf;fy; thq;fy;fis ,yq;ifapy; my;yJ
ntspehl;by; Nkw;nfhs;tjw;F jdJ ml;iliag; gad;gLj;j ml;il
itj;jpUg;gtu; Ntnwe;jj; jug;gpdiuAk; mDkjpf;ff;; $lhJ.
v. ml;il itj;jpUg;gtu; ,yq;ifapy; ,Ue;J FbafYk;NghJ> njhopy;
Ghptjw;fhf ntspehL nry;Yk;NghJ my;yJ eilKiwapYs;s ehzag;
ghpth;j;jidf; fl;Lg;ghl;Lg; gpukhzq;fspy; njhptpf;fg;gl;l
tiutpyf;fzj;jpw;Nfw;g “tjpahjtu;” vdf; fUjg;gLkplj;J> jdJ ml;ilia
(ml;ilfis) tq;fpaplk; kPs xg;gilf;f Ntz;Lk;.
vi. tq;fpahdJ mwpf;ifaplg;gLk; Njitg;ghLfs;> topfhl;ly;fs; kw;Wk; ehzag;
ghpth;jj;idf; fl;Lg;ghl;lhsupd; gpukhzq;fs; my;yJ fhyj;Jf;Ff; fhyk;
epu;zapf;fg;gLfpd;w VNjDk; Vida xOq;Ftpjp mjpfhuq;fSf;Fg;
gzpe;njhOFk;.
vii. ,yq;if kj;jpa tq;fpapdhy; (CBSL) fhyj;Jf;Ff; fhyk; Fwpj;Jiuf;fg;gLk;
ntspehl;L ehzakhw;Wj; jfTfis ml;ilia itj;jpUg;gtu;
tpQ;rpapUf;fpd;whu; vd;w fhuzj;jpw;fhf VNjDk; nfhLf;fy; thq;fYf;fhd
mjpfhukspg;G kWf;fg;gLkhapd;> mjd; tpisthf Neubahf my;yJ
kiwKfkhf vOfpd;w VNjDk; ,og;G my;yJ Nrjk; njhlu;gpy; HSBC vt;tpj
nghWg;igAk; Vw;fhJ.
32
viii. VNjDk; rl;l Kuzhd nfhs;tdTfSf;fhf (mjhtJ rl;lq;fspdhy;>
rl;ltpjpfspdhy; kw;Wk; xOq;F tpjpfspdhy; mDkjpf;fg;glhj nghUs;fs;
my;yJ Nritfisg; ngWtjw;F) gzk; nrYj;j gw;W ml;il xUNghJk;
gad;gLj;jg;gl khl;lhJ vd;W ml;il itj;jpUg;gtu; thf;FWjpaspf;fpwhh;.
,e;j epge;jid kPwg;gLkhapd; mJ gw;wp ,yq;if kj;jpa tq;fpf;F (CBSL)
mwptpf;Fk; cupikia HSBC nfhz;Ls;sJ.
ix. jw;NghJs;s ehzag; ghpth;j;jidf; fl;Lg;ghl;Lg; gpukhzq;fspd;gb> &gha;
fzf;FfSld; njhlh;ig Vw;gLj;Jtjw;fhf tjpahjth; xUtUf;F ru;tNjr
uPjpahf tYTs;s gw;W ml;il xd;iw toq;f KbahJ.
x. rl;lj;jpdhy;> murhq;f xOq;Ftpjpfspdhy; my;yJ CBSL ntspapLk;
gpukhzq;fspdhy; Njitg;gLj;jg;gLkhdhy;> ,e;j tpjpfs; jd;dpay;ghfNt;
jpUj;jg;gLk;.
xi. ml;ilapd; ghtidahdJ rfy re;ju;g;gq;fspYk; ehzag; ghpth;j;jidf;
fl;Lg;ghl;Lg; gpukhzq;fSf;F mikthdjhf ,Uf;f Ntz;Lk;. mt;thW
,zq;fpnahOFjypy; VNjDk; jtWif Vw;gLfpd;w re;ju;g;gj;jpy;> ehzag;
ghpth;j;jidf; fl;Lg;ghl;Lr; rl;lj;jpd; fPo; vLf;fg;glf;$ba eltbf;iff;F
fzf;F itj;jpUg;gtu;(fs;) $l;lhfTk; jdpj;jdpahfTk; nghWg;Ngw;f Ntz;Lk;.
HSBC toq;fpa gw;W ml;ilia itj;jpUg;gjpypUe;J mth;fs; HSBC ,dhy;
my;yJ ,yq;if kj;jpa tq;fpapdhy; (CBSL) jil nra;ag;glyhk;. ehzag;
ghpth;j;jidf; fl;Lg;ghl;L gpukhzq;fSf;F ,zq;fpnahOfhikapdhy; vOfpd;w
VjDk;/midj;J tpisTfSf;Fk; vjpuhf fzf;F itj;jpUg;gtu;fs; $l;lhfTk;
jdpj;jdpahfTk; HSBCf;F ,og;ngjph;fhg;G mspg;gJld;> mj;jifa
,lu;fspypUe;J HSBC f;F jPq;F tuhky; ghJfhf;fTk; Ntz;Lk;.
31.
fl;lzq;fs;
i. eilKiwapYs;s fl;lzj; jpl;lj;jpw;Nfw;g> ml;ilapd; tpepNahfk;/GJg;gpj;jy;
njhlh;gpy; gw;W ml;ilf;fhd tUlhe;jf; fl;lzq;fs; gpujhd fzf;fpy; gw;W
itf;fg;gLk;. ,e;jf; fl;lzq;fs; kPsspf;fg;gl khl;lhJ.
33
ii. gw;W ml;il njhlu;ghd Vida fl;lzq;fSk;;> eilKiwapYs;s fl;lzj;
jpl;lj;jpw;Nfw;g> fhyj;Jf;Ff; fhyk; gpujhd fzf;fpy; gw;W itf;fg;gLk;.
iii. tq;fpahdJ jdJ jw;Wzpgpd; Nghpy;> ml;il itj;jpUg;gtUf;F mwptpf;fhkNy>
fhyj;Jf;Ff; fhyk; nghUj;jkhd fl;lzq;fisj; jpUj;Jtjw;F cupik
nfhz;Ls;sJ. tq;fpapd; fl;lzj; jpl;lj;ij www.hsbc.com.lk vd;w tq;fpapd;;
,izaj;jsj;jpy; ghh;itaplyhk; my;yJ tq;fpapd; VNjDk; fpis xd;wpy;;
Nfl;Lg;ngwyhk;. my;yJ tpguf;$w;Wj; jfty; vd;w tifapYk; mJ
mwptpf;fg;glyhk;. mt;thwhdnjhU eltbf;if> fzf;F itg;ghsUf;F
(itg;ghsh;fSf;F) mj;jifa mwptpj;jy; Kiwg;gb toq;fg;gl;Ls;sjhff;
nfhs;sg;gLk;.
iv. ntspehl;L ehzaj;jpyhd rfy fl;lzq;fSk; ,yq;if &ghapy; gpujhd
fzf;fpy; gw;W itf;fg;gLk;. ntspehl;L ehzaj;jpy; Vw;gl;l nryit> HSBC
,dhy; my;yJ tPrhtpdhy; fhyj;Jf;Ff; fhyk; Fwpj;Jiuf;fg;gLk;; ehza
khw;W tPjj;jpy; khw;wpg; gw;W itf;Fk; cupikia ml;il itj;jpUg;gtu;
,j;jhy; HSBCf;Fk; tPrhTf;Fk; toq;Ffpd;whu;.
v. ,yq;if [dehaf Fbaurpy; fhzg;gLk; ve;jnthU vupnghUs; epug;G
epiyaj;jpYk; ,e;j ml;ilia gad;gLj;jpg; ngw;Wf;nfhs;Sk; ngw;Nwhy;> Bry;>
vupthA> kw;Wk; Viza NritfSnfd tq;fpapdhy; epu;zapf;fg;gl;l
ifahSif fl;lznkhd;W mwtplg;gLk;. ,t;thW ml;ilf; fzf;fpy; gw;W
itf;fg;gLk; fl;lzkhdJ> toq;fg;gLk; tpw;gid rPl;by; mDkjpf;fg;gl;l
fl;lzj;jpypUe;J khWglyhk;.
32.
jfty;fis ntspg;gLj;jy;
i. HSBC MdJ gw;W ml;il toq;fy;> mjd; NgZif kw;Wk; gw;W
ml;iliag; gad;gLj;jpf; nfhLf;fy; thq;fy;fis Nkw;nfhs;sy;> ml;ilia
GJg;gpj;jy; vd;gd njhlh;ghf my;yJ ml;il njhlu;ghf NtNwJk;
Nehf;fj;jpw;F VNjDk; jfty;fs;> gjpTfs; my;yJ rhd;wpjo;fs;
Nghd;wtw;iwf; NfhUkNghJ ml;il itj;jpUg;gtu; mtw;iw toq;f Ntz;Lk;.
,j; jfty;fis ve;j ,lj;jpypUe;Jk; ve;j topfspNyDk; rhpghh;j;J
34
Ch;[pjk;nra;a ml;il itj;jpUg;gtu; HSBCf;F mjpfhuk; toq;Ffpd;whu;.
mj;jifa jfty;fs;/juTfs; toq;fg;glhtpl;lhy; my;yJ gpioahd
jfty;fs;/juTfs; toq;fg;gl;lhy; HSBC jdJ jdpj;jw;Wzpgpd; Nghpy;
ml;ilia toq;Ftjw;F my;yJ GJg;gpg;jw;F kWf;fyhk;> my;yJ ml;il
Vw;fdNt toq;fg;gl;bUe;jhy; mjid cldbahf ,uj;Jr;nra;ayhk;.
ii. ml;il itj;jpUg;gtupd; jfty;fis VNjDk; jifikAila
epahahjpf;fj;Jf;F> Njhw;wkstpyhd ePjpKiw mjpfhu rigfSf;F> rl;l
tYthf;f Kftu;fSf;F my;yJ VNjDk; murhq;f mjpfhu mikg;GfSf;F
ntspg;gLj;Jk; cupikia HSBC nfhz;Ls;sJ.
iii. gw;W ml;ilapd; ghtid my;yJ nraw;ghL njhlu;ghf vOfpd;w VNjDk;
flg;ghLfis epiwNtw;Wtjw;Fj; Njitnadf; fUjg;gLk; jfty;fis Vida
epWtdq;fSf;F kpfTk; ,ufrpakhd Kiwapy; ntspg;gLj;Jk; cupikiaAk;
HSBC nfhz;Ls;sJ.
iv. mYtyf eilKiwfSf;fhfTk; ntspapypUe;J ngwg;gLfpd;w Vida
NritfSf;fhfTk; HSBC jdJ jdpj;jw;Wzpgpd; Nghpy; VNjDk; %d;whk;
jug;G Kfth;fSf;F VNjDk; nraw;ghLfis xg;Gf;nfhLf;fTk; mj;jifa
%d;whk; jug;gpdUf;F fzf;fpd; tpguq;fis toq;fTk; KbAk;. ,J njhlu;gpy;
HSBC FOkj;Jld; my;yJ VNjDk; epWtdj;Jld; my;yJ KftUld;
my;yJ tq;fpapdhy; cgNahfpf;fg;gLfpd;w %d;whk; jug;gpdUld;; fzf;F
itj;jpUg;gtupd; (itj;jpUg;gth;fspd;)> fzf;fpd; kw;Wk;/my;yJ nfhLf;fy;
thq;fy;fspd; jfty;fis gfpu;e;J nfhs;tjw;F> fsQ;rpag;gLj;Jtjw;F
my;yJ mDg;Gtjw;F Njit Vw;gLfpwJ vd;gijf; fzf;F itj;jpUg;gtu;
Ghpe;Jnfhs;tJld; mjw;fhd mjpfhuj;ijAk; tq;fpf;F toq;Ffpwhh;. VNjDk;
mj;jifa eilKiw> jfty;fspd; gfpu;T> fsQ;rpag;gLj;jy; my;yJ jfty;
mDg;gPl;il ,ufrpakhd Kiwapy; Nkw;nfhs;s tq;fp nghWg;Ngw;Wf;
nfhs;fpd;wJ. gpd;tUk; re;jh;g;gq;fs; jtph;e;j Vida epiyikfspy;
tq;fpahdJ HSBC FOkj;jpw;Fs; mj;jifa jfty;fspd; fz;bg;ghd
,ufrpaj; jd;ikiag; NgZtjw;F Kaw;rp nra;Ak;: (a) VNjDk; nghUj;jkhd
rl;lk;> gpukhzk; my;yJ VNjDk; murhq;f my;yJ xOq;FgLj;Jk;
mjpfhurigapd; Ntz;LNfhs; NtW tpjkhfj; Njitg;gLj;jpdhy; my;yJ
35
mDkjpj;jhy; my;yJ (b) Nkhrbfisj; jLf;Fk; Nehf;fj;jpw;F ntspg;gLj;jy;
mtrpakhf ,Ue;jhy; my;yJ (c) gw;W ml;il trjpia toq;Ftjw;F
ntspg;gLj;Jif mtrpankd tq;fp fUjpdhy;. fzf;F itj;jpUg;gth;
(itj;jpUg;gth;fs;) nghUj;jkhd rfy juTg; ghJfhg;Gr; rl;lq;fSf;Fk;
gzpe;njhOf Ntz;Lk;. mDg;gg;gLk;> nraw;gLj;jg;gLk; my;yJ NtW tpjj;jpy;
ifahsg;gLk; jdpg;gl;l my;yJ NtW juTfSf;F chpa midtUk; ,e;j
tpjpfspd; fPOk; ,e;jr; rl;lq;fSf;F mikthfTk; mj;jifa mDg;gPL>
nraw;gLj;jy; my;yJ NtW tpjj;jpyhd ifahSiff;Fr; rk;kjk;
mspj;jpUg;gij my;yJ mj;jifa mDg;gPL> nraw;gLj;jy; my;yJ NtW
tpjj;jpyhd ifahSif Nkw;nfhs;sg;gLtjw;F Kd;dh; rk;kjk; mspg;gij
fzf;F itj;jpUg;gth; (itj;jpUg;gth;fs;) cWjpg;gLj;j Ntz;Lk;. ,e;j
Vw;ghl;bd; VNjDk; kPWjypd; tpisthf Vw;glf;$ba VNjDk; fpuaq;fs;>
jz;lq;fs;> Nrjq;fs; kw;Wk; Vida ,og;Gf;fSf;F vjpuhf tq;fpf;F
,og;ngjph;fhg;G toq;fTk; tq;fpiaj; jPq;fpypUe;J ghJfhf;fTk; fzf;F
itj;jpUg;gth; (itj;jpUg;gth;fs;) ,zq;Ffpd;whh;/,zq;Ffpd;wdh;.
v. gw;W ml;ilg; ghtid %yk; Nkw;nfhs;sg;gLk; VNjDk; ntspehl;L ehzag;
kPsg;ngWiffs;/nfhLg;gdTfs; gw;wp ,yq;if kj;jpa tq;fpf;F mwpf;ifapLk;
cupikia HSBC nfhz;Ls;sJ.
33.
njhiye;j my;yJ jpUlg;gl;l gw;W ml;il
i. gw;W ml;il fhzhkw;Nghdhy; my;yJ jpUlg;gl;lhy;> mj;jifa ,og;ig
my;yJ fsit mwpe;j clNdNa njhiyNgrp> njhiyefy; my;yJ
nlnyf;]; %yk; tq;fpapd; ml;il epiyaj;Jf;Fk;> vOj;J %yk; fhty;
Jiwf;Fk; (my;yJ ntspehl;by; ,Ue;jhy; vtNuDk; tPrh ml;il
mq;fj;jtUf;Fk;) mwptpf;f Ntz;Lk;. Mdhy;> mj;jifa VNjDk; tplaj;jpy;
njhiyNgrp> njhiyefy;> my;yJ nlnyf;]; nra;jpahdJ fzf;F
itj;jpUg;gtu;(fs;) my;yJ mtupdhy; cupa Kiwapy; mjpfhukspf;fg;gl;l
rl;luPjpahd gpujpepjpapdhy; vOj;J %yk; cWjpg;gLj;jg;gl Ntz;Lk;. ml;il
fhzhkw;Nghdik my;yJ fsTNghdik cupa Kiwapy; mwptpf;fg;gl;L>
Nkw;nrhd;dthW tq;fpf;F my;yJ tPrh ml;il cWg;gpdUf;F vOj;J %yk;
36
cWjpg;gLj;jg;gLk; tiu> fzf;fpy; gw;W itf;fg;gl;l kw;Wk; gw;W itf;fg;gl
Ntz;ba rfy njhiffSf;Fk; ml;il itj;jpUg;gtu; nghWg;Ngw;f Ntz;Lk;.
fhzhkw;Nghd my;yJ fsthlg;gl;l ml;il fz;Lgpbf;fg;gl;lhy;> ml;il
itj;jpUg;gtu; mjid cldbahf tq;fpaplk; xg;gilf;f Ntz;Lk;.
ii. ,r; ruj;jpd; 1 ge;jpapy; Fwpg;gplg;gl;Ls;sthW vOj;J %yk; ,og;G
mwptpf;fg;gl;l gpd;du; ,og;G xd;wpdhy; gw;W ml;il kPJ Vw;gl;l tpisTf;F
tzpf epWtdq;fSldhd; nfhLf;fy; thq;fy; njhlh;ghd nghWg;Gf;fshdJ>
gw;W ml;ilapd; ghJfhg;gpy; Nghjpa ftdk; nrYj;jg;gl;lnjd ep&gpf;fg;gLk;
gl;rj;jpy;> G+r;rpakhf ,Uf;Fk; (,jdfj;Jg; gpd;du; mJ “G+r;rpa ,og;G
ml;ilg; nghWg;G” vdf; Fwpg;gPL nra;ag;gLk;) vdpDk; ATM ,ae;jpuj;jpD}lhf
nra;ag;gLfpd;w gzg; kPsg;ngWiffisg; nghWj;jtiuapy;> ml;il
itj;jpUg;gth; jdpg;gl;l ,ufrpa milahs ,yf;fq;fisg; gad;gLj;j
Ntz;Lnkd;gjhy;> mj;jifa nfhLf;fy; thq;fy;fSf;F “G+r;rpa ,og;G
ml;ilg; nghWg;G” Vw;GilajhfhJ.
iii. ml;ilapd; ,og;G my;yJ fsT gw;wp ,r; ruj;jpd; 1 ge;jpf;Nfw;g HSBCf;F
mwptpf;fg;glhj re;jh;g;gj;jpy; my;yJ ,r; ruj;jpd; 1 ge;jpf;Nfw;gj; jfty;
nfhLg;gjw;F Kd;du; ,lk;ngw;w J\;gpuNahfj;jpdhy; vof;$ba VNjDk; ,og;G>
fpuak;> nrytpdq;fs; vd;gtw;Wf;F vjpuhd G+uz ,og;ngjph;fhg;ig ml;il
itj;jpUg;gtu; ,j;jhy; HSBCf;F toq;Ffpd;whu;.
iv. MapDk;> ml;il itj;jpUg;gtu; rfy tpjpfSf;Fk; ,zq;fpnahOk; gl;rj;jpy;>
HSBC MdJ jdJ jdpj; jw;Wzpgpd; Nghpy; nghUj;jkhd xU fl;lzj;jpw;F
khw;wPl;L ml;il xd;iw toq;fyhk;. khw;wPl;L ml;ilia toq;Fk;NghJ mJ
njhlh;ghd VNjDk; nryT fzf;fpy; gw;W itf;fg;gLk;.
v. ml;il itj;jpUg;gtu; ,oe;j ml;ilia kPsf; fz;nlLj;jhYk; mjidg;
ghtpf;ff; $lhJ. me;j ml;ilia fhe;jg; gFjpapD}lhf gy Jz;Lfshf
ntl;b mopj;Jtpl Ntz;Lk;.
37
34.
tpguf;$w;Wfs; kw;Wk; gjpNtLfs;
i. gw;W ml;ilf; nfhLf;fy; thq;fy;fspd; gjpTfs;> HSBC apdhy; mDg;gg;gl;l
tpguf;$w;wpy; fhzg;gLk;. fzf;fpw;F Vw;Gilaw;ghydthd epajp
epge;jidfspd;gb gjpNtl;bYs;s mQ;ry; Kftupf;F mj;jifa $w;Wf;fs;
fhyhe;j mbg;gilapy; fzf;F itj;jpUg;gtUf;F mDg;gg;gLk;. gw;W
ml;iliag; gad;gLj;jp Nkw;nfhs;sg;gl;l nfhLf;fy; thq;fy;fs; gw;wpa HSBC
,d; gjpNtL vy;yh Nehf;fq;fSf;fhfTk; KbthdjhfTk; gpzpg;gjhfTk;
,Uf;Fk;.
ii. xt;nthU tpguf;$w;Wk; fpilj;jTld; my;yJ mt;thW ,ayhtpl;lhy; fpilj;j
jpfjpapypUe;J Kg;gJ (30) fyz;lh; jpdq;fSf;Fs; (“30 ehs; kPsha;T”)
mjidg; ghprPyid nra;J> xt;nthU gjpitAk; jk;kplKs;s gjpTfSld;
xg;gpl;L cWjpnra;Jnfhs;s thbf;ifahsh;fs; ,zq;Ffpd;wdh;. VNjDk;
jtWfs;> tpLgLiffs; my;yJ Nkhrbfs; mDkjpaw;w ghtidfs; cs;spl;l
KiwNfLfs; ,Ue;jhy; my;yJ tpguf;$w;Wj; njhlh;ghf NtNwJk; Ml;Nrgid
,Ue;jhy; (,itaidj;Jk; “fzf;F KiwNfLfs;” vdg;gLk;)
thbf;ifahsh;fs; mtw;iw cldbahf tq;fpapd; ftdj;jpw;Ff; nfhz;Ltu
Ntz;Lk;. 30 ehs; kPsha;T fhyj;jpw;Fs; mt;tpjk; nra;a thbf;ifahsh;fs;
jtwpdhy;> tpguf;$w;wpy; njhptpf;fg;gl;Ls;s kPjpAk; fzf;F KiwNfLfs;
cs;slq;fyhd rfy gjpTfSk; rhpahditahfTk; g+uzkhditahfTk;
mjpfhuk; mspf;fg;gl;litahfTk; thbf;ifahsh;fisg; gpzpg;gitahfTk;
fUjg;gLk;. mj;Jld;> ,r; ruj;jpw;F mikthf mwptpj;jy; nfhLf;fg;gl;l
nfhLf;fy; thq;fy;fs; jtpu> kpfr; rkPgj;jpa fzf;F tpguf;$w;Wj; jpfjp tiu
,lk;ngw;w Vida nfhLf;fy; thq;fy;fSf;fhd rfy nghWg;Gf;fspypUe;Jk;
tq;fp tpLtpf;fg;gLk;.
iii. Ntwplq;fspy; jug;gl;Ls;s tpisTfSf;F Nkyjpfkhf> ml;il itj;jpUg;gtu;>
NkNy 2Mk; thrfj;jpd; fPohd mtupd; flg;ghLfisg; gpd;gw;Wtjw;Fj;
jtwpdhy;> mj;Jld; ml;il itj;jpUg;gtupd; elj;ij my;yJ jtWif
fhuzkhf fzf;fpy; el;lk; Vw;gl;lhy; (tq;fpapdhy; cwg;gl;l kw;Wk;;/my;yJ
milag;gl;l vj;jifadTkhd vt;tifapdTthd el;lq;fs; my;yJ
38
tq;fpf;nfjpuhff; nfhzug;gl;l tupfs;> mwtPLfs;> Fw;wg;gzq;fs;> fl;lzq;fs;
my;yJ jz;lq;fs;) my;yJ mjw;Fg; gq;fspg;Gr; nra;jhy;> mj;jifa el;lk;
njhlu;gpy; tq;fpahdJ ml;il itj;jpUg;gtUf;F VNjDk; nghWg;ig
cilajhftpuhnjd ml;il itj;jpUg;gth; Vw;Wf;nfhs;fpwhh;.
,t;Tld;gbf;ifiag; gpd;gw;wpj; Njitg;gLj;jg;gl;lthwhf cupa Neuj;jpy;
fzf;Ffs; gw;wpa $w;Wf;fis kPsha;tjw;Fj; jtwpaik> fzf;Ff;$w;W
my;yJ nfhLf;fy;thq;fy; gjpTfs; ,t;Tld;gbf;iff;fpzq;f
kPshag;gl;bUg;gpd; VNjDk; gpio my;yJ tpLgLif
fz;Lgpbf;fg;gl;bUf;ff;$ba Neuj;Jf;Fg; gpd;du; Vw;gLfpd;w VNjDk; el;lj;jpd;
msTf;Ff; fzf;fpd; kPjhd el;lj;ij tpistpg;gjhf my;yJ mjw;F
cjTtjhff; fUjg;gLnkd ml;il itj;jpUg;gth; Vw;Wf;nfhs;fpd;whu;. ml;il
itj;jpUg;gtUf;fhd tq;fpapd; Mff;$ba nghWg;G> tq;fpapd; ghuJ}ukhd
mrl;il my;yJ Ntz;Lnkd;w Ju;elj;iij fhuzkhf ml;il
itj;jpUg;gtupd; fzf;fpypUe;J jtwhd Kiwapy; my;yJ gpioahd Kiwapy;
kPsg;ngwg;gl;l njhifapyhd cz;ikahd Neub el;lj;Jf;F
tiuaWf;fg;gLnkdTk; mth; Vw;Wf;nfhs;fpd;whu;.
iv. tpguf;$w;wpy; njhptpf;fg;gl;Ls;s xU nfhLf;fy; thq;fy; njhlh;ghf my;yJ
ml;il itj;jpUg;gtupdhy;/tu;fspdhy; NtWtifapy; jPu;khdpf;fg;gl;l Xh;
cld;ghbd;ik gw;wpa mwptpj;jy; ngwg;gl;ljpypUe;J ,uz;L khjq;fspDs;
me;j cld;ghbd;ikiaj; jPu;j;Jitg;gjw;F tq;fpahdJ ey;nyz;zj;Jld;
epahakhd Kaw;rpfis Nkw;nfhs;Sk;. mj;jifa Kaw;rpfspd; gpd;du;>
nfhLf;fy; thq;fy; nry;Ygbahdnjhd;nwd HSBC jPu;khdpj;jhy;> mJ ml;il
itj;jpUg;gtUf;F/tu;fSf;F mwptpf;fg;gLk;.
39
35.
KbTWj;jy;
i. ruj;J 36(ii) kw;Wk; ehzag; ghpth;jj;idf; fl;Lg;ghl;L Vw;ghLfSf;F
mikthd Kiwapy;> ml;il itj;jpUg;gthpd; filrpahfg; gjpT
nra;ag;gl;l Kfthpf;F Kg;gJ (30) Nrit ehl;fs; Kd;dwptpj;jiyf;
nfhLj;Jtpl;L> ,e;j xg;ge;jj;ij KbTWj;j kw;Wk;/my;yJ ,uj;Jr;nra;a
tq;fpf;F chpikAz;L. mj;jifa KbTWj;jy; epfOk; tiu>
tq;fpahdJ> fhyj;jpw;Ff; fhyk;> ml;il ith;hpUg;gtUf;F xU Gjpa
ml;ilia (“GJg;gpj;jy; ml;il”) toq;ff;$Lk;.
ii. ehzag; ghpth;jj;idf; fl;Lg;ghl;L Vw;ghLfSf;F mikthd Kiwapy;>
NkYs;s ruj;J 36(i) vt;thW ,Ue;jhYk;> gpd;tUk; VNjDnkhU epfo;tpd;
fhuzkhf ,e;j xg;ge;jj;ij KbTWj;jTk; gw;W ml;ilia ,uj;Jr;nra;a
kw;Wk;/my;yJ GJg;gpf;f kWf;fTk; tq;fpf;F chpikAz;L:
(i) ml;il itj;jpUg;gth; ,e;j xg;ge;jj;jpd; epajp epge;jidfSf;F
,zq;fpnahOfj; jtWjy; kw;Wk;/my;yJ kPWjy;.
(ii) tq;fpAld; nra;Jnfhs;sg;gl;l VNjDk; cld;gbf;ifapd; fPohd my;yJ
xg;gpa nghWg;gpd; fPohd (vjpu;ghuhjJ my;yJ NtW tifahdJ)
jtWif epfo;nthd;W Vw;gLjy;.
(iii) fzf;Fitj;jpUg;gtu;(fs;) VNjDk; tq;FNuhj;J my;yJ jpthy;epiy
tof;F eltbf;iffSf;F my;yJ xj;j jd;ikapdthd tof;F
eltbf;iffSf;F MshFjy;.
(iv) ml;il itj;jpUg;gtu; kuzkiljy;.
(v) tq;fpAldhd fzf;F cwit epWj;jptpLjy;.
(vi) fzf;fpy; Fiwe;jgl;r ruhrup kPjpiag; Ngzj; jtWjy;.
iii. HSBC ,Ys;s fzf;if KbTWj;Jtjw;F fzf;F itj;jpUg;gtu; jPh;khdpf;Fk;
gl;rj;jpy;> me;jf; fzf;fpd; Nghpy; toq;fg;gl;l gw;W ml;ilahdJ
jd;dpay;ghfNt ,uj;Jr; nra;ag;gl;LtpLk;. mj;jifa re;ju;g;gj;jpy; mj;jifa
fzf;Fld; ,izf;fg;gl;Ls;s gw;W ml;ilapd; ghtidia ml;il
itj;jpUg;gtu; cldbahf epWj;j Ntz;Lk;. mjid tq;fpaplk; kPs xg;gilf;f
40
Ntz;Lk;. gw;W itf;fg;gl Ntz;ba VNjDk; nfhLf;fy; thq;fy; epYitfs;
,Uf;Fkhapd;> HSBC MdJ fzf;F itj;jpUg;gtUf;F (itj;jpUg;gth;fSf;F)
fzf;fpy; vQ;rpAs;s gzj;ij jpUg;gpf; nfhLg;gjw;F Kd;du; me;j
epYitfisf; fzf;fpypUe;J fopj;Jf; nfhs;Sk;.
iv. gw;W ml;ilahdJ tq;fpapd; nrhj;jhFk;. tq;fp NfhUk;NghJ mJ cldbahf
jpUg;gp xg;gilf;f Ntz;Lk;. gw;W ml;iliaf; ifaspf;f Kd;gjhf> mjidg;
ngw;Wf;nfhs;gth; tq;fpapy; Ntiy nra;Ak; mYtyh;jhd;; vd;gij ml;il
itj;jpUg;gtu; ed;F cWjp nra;Jnfhs;s Ntz;Lk;.
36.
nghJ
i. fzf;Fitj;jpUg;gtu;(fs;) jkJ Kftup> njhiyNgrp ,yf;fq;fs; kw;Wk;
jdpg;gl;l tpguq;fspd; VNjDk; khw;wj;ij vOj;jpy; HSBC f;F cldbahf
mwptpf;f Ntz;Lk;.
ii. ,e;j epajp epge;jidfspdhy; gpzpf;fg;gl xUtUf;F Nkw;gl;l Ml;fs;
ifnahg;gkpl;lhy; my;yJ cld;gl;lhy;> ,jd; fPo; mj;jifa Ml;fspd;
flg;ghL $l;lhdjhfTk; jdpj;jdpahdjhfTk; ,Uf;Fnkd;gJld;> re;ju;g;gk;
Njitg;gLj;jf;$bathW> ,jd;fz; xUikia kl;Lk; Fwpf;Fk; nrhw;fs;
gd;ikiaAk; cs;slf;Ftjhff; fUjTk;gLk;. mj;jifa Ml;fSs;
vtNuDnkhUtUf;F ,jd; fPo; toq;fg;gLk; VNjDk; mwptpj;jy; mj;jifa
vy;yh Ml;fSf;Fkhd Kiwg;gbahd mwptpg;ghff; fUjg;gLk;.
iii. ml;il itj;jpUg;gtUf;Fk; Nkyjpf ml;il itj;jpUg;gtUf;Fk;/
itj;jpUg;gth;fSf;Fk; gw;W ml;ilia/fis xg;gilg;gjw;fhd mjd;
gpujpepjpahf> xg;gilg;Gr; Nritf;; fk;ngdpnahd;Wld; xg;ge;jk; nra;ayhk;.
ml;il itj;jpUg;gtUk; Nkyjpf ml;il itj;jpUg;gth;fSk; gw;W ml;ilia/
fisg; ngWk;NghJ mtu;/mth;fs;; cldbahfg; ngwg;gl;likia
Vw;Wf;nfhs;sNtz;Lnkd;gJld;> mtuJ/mth;fsJ Msilahsj;Jf;fhd
rhd;iwf; fhz;gpj;jYk; Ntz;Lk;. tq;fp my;yJ mjd; gpujpepjp> jdJ
jw;Wzpgpd;gb> Fwpg;ghfg; gw;W ml;ilia xg;gilf;Fk; Nehf;fj;Jf;fhf>
ml;il itj;jpUg;gtupdhy; Fwpj;Jiuf;fg;gl;l Kftupapy; ml;il
41
itj;jpUg;gtupd; gpujpepjpahftpUg;gjw;F tq;fpapdhy; my;yJ mjd;
gpujpepjpapdhy; jPu;khdpf;fg;gl;lnthU %d;whk; jpwj;jtUf;Fg; gw;W ml;iliaf;
ifaspf;fyhk;. gw;W ml;il mt;thW xg;gilf;fg;gLk; Neuj;jpypUe;J ml;il
itj;jpUg;gtu;> gw;W ml;il%yk; nra;Ak; vy;yh kPsg;ngWjy;fSf;Fk;
nghWg;ghjy; Ntz;Lk;. ml;il itj;jpUg;gtu;> mtuJ jw;Wzpgpd;gb> xU
fpisapy; gw;W ml;ilia(fisg;) ngWtjw;Fk; mtuJ rhu;gpy; ngWifia
Vw;Wf;nfhs;tjw;Fk; %d;whk; jpwj;jtnuhUtUf;F vOj;jpy; mjpfhukspf;fyhk;.
ml;il itj;jpUg;gtupdhy; my;yJ mtuJ rhu;gpy; mjpfhukspf;fg;gl;l
Mspdhy; gw;W ml;il Vw;Wf;nfhs;sg;gl;l Neuj;jpypUe;J gw;W ml;iliag;
gad;gLj;jpr; nra;ag;gl;l vy;yh kPsg;ngWjy;fSf;Fk; ml;il itj;jpUg;gtu;
nghWg;ghspahthh;.
iv. gw;W ml;ilahdJ> ml;il itj;jpUg;gtUf;F (itj;jpUg;gth;fSf;F) kl;LNk
toq;fg;gLfpd;wJ vd;gJld;> ve;j topapYk; mjidf; ifkhw;wNth my;yJ
gpizg; nghWg;ghf milkhdk; itf;fNth KbahJ.
v. fhyj;Jf;Ff;fhyk; fpilf;ff;$ba tpjj;jpy; tq;fpapdhy; jw;NghJ toq;fg;gLk;
my;yJ vjpu;fhyj;jpy; toq;fg;glf;$ba Nritfspd; fPo; vy;yh ATM
nfhLf;fy; thq;fy;fisAk; tzpfj; jhgdq;fSldhd nfhLf;fy;
thq;fy;fisAk; mwptpf;fg;gl;lthwhd vitNaDk; nghUj;jkhd epajp
epge;jidfSf;fika> Nkw;nfhs;s gw;W ml;il mjid itj;jpUg;gtUf;F
chpikaspf;fpwJ.
vi. itg;gpypLk; Neuj;jpy; ATM ,dhy; toq;fg;gLk; $w;W mwptpj;jy;> ml;il
itj;jpUg;gtu;(fs;) itg;gpypl;ljhff; nfhs;sg;gLfpwJ vd;gij kl;LNk
Fwpf;fpd;wJ. mJ tq;fpiag; gpzpf;fkhl;lhJ. ml;il itj;jpUg;gtu;> gw;W
ml;iliag; gad;gLj;jp ATM ,D}lhf itg;gpyplg;gl;ldthfr; nrhy;yg;gl;l
vitNaDk; fhNrhiyfs; my;yJ gzk;; ml;il itj;jpUg;gtupd;
(itj;jpUg;gth;fspd;) fzf;fpy; tuT itf;fg;gl;L kPsg;ngWjYf;fhff;
fpilf;ff;$badthf ,Uf;Fk;tiu> mg; gzj;ij kPsg;ngw KbahJ.
42
vii. gw;W ml;ilapd; vy;yhg; gjpyPLfSk; GJg;gpj;jy;fSk; nghUj;jkhd VNjDk;
Neuj;jpy; tYtpYs;s epajp epge;jidfSf;F mike;jdthjy; Ntz;Lk;.
viii. ml;il itj;jpUg;gtu;(fs;)> jdJ/jkJ nghWg;gpy; xU gw;Wr;rPl;il kl;LNk
itj;jpUj;jy; Ntz;Lnkd;gJld;> gjpyPl;Lg; gw;W ml;il(fs;) toq;fg;gLk;NghJ
VyNtAs;s ml;ilia(fis) ,y;yhjhf;Fk;gb tq;fpf;F mjpfhukspj;jYk;
Ntz;Lk;.
ix. ehd;F Mz;Lfhyj;jpw;Fg; gad;gLj;jg;glhj gw;W ml;ilapd;
nry;Ygbahe;jd;ik KbTWj;jg;gLnkd;gij ml;il itj;jpUg;gtu;(fs;)
ftdpf;fNtz;Lk;. kPsg;ngWiffs;> gzg; ghpkhw;wq;fs;> tzpfj; jhgdq;fspy;
Nkw;nfhs;sg;gLk; nfhLf;fy; thq;fy;fs; kl;LNk nfhLf;fy; thq;fy;fshff;
nfhs;sg;gLk;.
x. gw;W ml;iliag; gad;gLj;Jtjd; %yk; njhopw;gLj;jg;glf;$ba xU
tiyaikg;gpd; gFjpahf mikfpd;w Vida tq;fpfspdhy; epWtg;gl;l ATM
fisg; gad;gLj;Jk;NghJ> Vida tq;fpfspdhy; mtw;Wf;fhf mwtPL
nra;ag;gl;l nfhLf;fy; thq;fy;fSk; nfhLf;fy; thq;fy;fshff; nfhs;sg;gLk;.
xi. elg;Gf; fzf;Ffs; kw;Wk; Nrkpg;Gf; fzf;Ffspd; njhopw;ghl;il MSfpd;w
vy;yh tpjpfSk; xOq;FtpjpfSk;> gw;W ml;iliag; gad;gLj;jp mj;jifa
fzf;Ffs; kPJ nra;ag;gl;l nfhLf;fy; thq;fy;fSf;Fg;
nghUj;jKiladthFk;.
xii. ,e;j epajp epge;jidfspy; vjidAk; Nrh;g;gjw;F> ePf;Ftjw;F kw;Wk;;/my;yJ
khw;Wtjw;fhd cupikia tq;fp nfhz;Ls;sJ. mj;jifa khw;wg;gl;l epajp
epge;jidfs;> HSBC tiyj;jsj;jpy; ntspaplg;gLk;. mj;Jld;> khw;wg;gl;l
epajp epge;jidfspd; gpujpia tq;fpapd; fpisnahd;wpy; Nfl;Lg; ngwTk;
KbAk;. (tq;fpapd; mwptpj;jypy; Fwpj;Jiuf;fg;gl;lthW) ,e; epajp
epge;jidfSf;fhd VNjDk; khw;wk; vj;Njjpad;W eilKiwf;F te;jNjh>
mj;Njjpf;Fg; gpd;du; gw;W ml;iliag; gad;gLj;Jjy;> mj;jifa khw;wk;
ml;il itj;jpUg;gtupd; khw;w Kbahj Vw;Wf;nfhs;ifahff; nfhs;sg;gLk;.
ml;il itj;jpUg;gtu; mj;jifa VNjDk; khw;wj;ij Vw;fhJtpbd;> mj;jifa
khw;wk; eilKiwf;F tUfpd;w Njjpf;F Kd;du; ml;ilia tq;fpf;Fj;
43
jpUg;gpf;nfhLf;f Ntz;Lk;.
xiii. jghy; %yk; mDg;gg;gLk; ,jd; fPohd VNjDk; mwptpj;jy;> tq;fpf;F vOj;jpy;
filrpahff; nfhLf;fg;gl;l Kftupf;F jghyplg;gl;ljpypUe;J 7 ehl;fspDs;
ml;il itj;jpUg;gtupdhy; (itj;jpUg;gth;fspdhy;) ngwg;gl;Ls;sjhff;
fUjg;gLk;.
xiv. ml;il itj;jpUg;gtu;> gw;W ml;iliag; gad;gLj;Jtjd; %yk;>
fpilf;ff;$ba kPjpapd; my;yJ HSBC ,dhy; mDkjpf;fg;gl;l Nkyjpfg;gw;W
vy;iyf;F Nkyjpfkhd xU njhifia kPsg;ngw;why;> mth; HSBC ,dhy;
KbGnra;ag;gl Ntz;banthU tPjj;jpy;> tl;bAlDk; jz;lq;fSlDk;>
Nkyjpfkhfg; ngwg;gl;l KOj;njhifiaAk; cldbahfTk; epge;jidapd;wpAk;
HSBC f;Fr; nrYj;j Ntz;Lk;. vt;thwhapDk;> ,J> HSBC vj;jifaJkhd
VNjDk; Nkyjpfg;gw;W trjpia mspg;gjw;Fg; gpzpf;fg;gl;Ls;sJ vd;gjw;fhd>
ntspg;gilahd my;yJ cl;fpilahd Xu; cld;ghlhfg; nghUs;
nfhs;sg;gLjyhfhJ.
xv. tq;fpahdJ> VNjDk; Nritia toq;Ftjw;F my;yJ mjd;fPo; VNjDk;
flg;ghl;ilg; Guptjw;Fj; jtwpaik vJTk; (NeubahfNth Neubahfty;yhkNyh)
ATM ,d; my;yJ gw;W ml;ilapd; VNjDk; gpwo;gzpahw;Wif> epjpfspd;
jw;fhypfg; Nghjhik> VNjDk; gpzf;F> my;yJ mjd; fl;Lg;ghl;Lf;fg;ghw;gl;l
NtW #o;epiyfs; vd;gtw;Wf;F Vw;wpf;$wg;glw;ghyjhftpUf;Fkplj;J>
nghWg;ghfkhl;lhJ.
xvi. fzf;FfSs; xd;W my;yJ mjw;F Nkw;gl;lit njhlu;gpy; my;yJ mjd;
my;yJ mtw;wpd; njhopw;ghL rk;ge;jkhf my;yJ gw;W ml;ilapd; gad;ghL
rk;ge;jkhf> ghJfhg;G kPWifia my;yJ NtW re;Njfj;Jf;fplkhd
#o;epiyfis tq;fp mwpe;Js;stplj;J my;yJ re;Njfpf;Fkplj;J> tq;fpahdJ>
mjd; jdpj; jw;Wzpgpd;gbAk; VNjDk; nghWg;gpd;wpAk;> VNjDk; nfhLf;fy;
thq;fYf;fhd mjpfhutspg;ig kWf;fyhnkd;gJld;> mt;thW epfOk; gl;rj;jpy;>
tq;fp> ,ad;wsT tpiuthf ml;il itj;jpUg;gtUf;F mJ gw;wp mwptpf;Fk;.
44
xvii. gw;W ml;ilapdJk; mjDld; njhlu;Ggl;l PIN ,yf;fj;jpdJk;
toq;Fif/gad;ghL/,og;G vd;gd vt;thW epfo;e;jhYk; mtw;wpd; tpisthf
my;yJ Neubaw;w Kiwapy; Vw;glf;$ba VNjDk; el;lk; my;yJ Nrjk;
cl;gl vt;thwhd ghjpg;gpw;Fk; HSBC nghWg;ghspahfhJ.
xviii. ,e; epajp epge;jidfSf;F Nkyjpfkhf> gw;W ml;ilapd; ghtidahdJ tPrh
topfhl;L newpfSf;Fk; mikthf ,Uf;f Ntz;Lk;.
xix. ml;il itj;jpUg;gtu;/fs;> gw;W ml;ilfspd; %yk; tzpf epiyaq;fspy;
epiyahd mwpTWj;Jjy;fis tpLf;f KbahJ.
xx. (a) njhiyNgrp> nunyf;];> njhiyefy;> FWQ; nra;jpr; Nrit (“SMS”)>
jdpg;gl;l ,izaj;js tq;fpj;njhopw; Nritfs; (“PIB”) my;yJ
kpd;dQ;ry; %yk; ml;il itj;jpUg;gtupdhy; my;yJ mtuJ rhu;gpy;>
fhyj;Jf;Ff;fhyk; nfhLf;fg;glf;$ba my;yJ nfhLf;fg;gl;ljhff;
nfhs;sg;gLk; VNjDk; mwptpj;jy;> mwpTWj;Jjy;> Nfhupf;if my;yJ
NtW fbjj;njhlu;G vd;gtw;iw> mt;thW mwpTWjy; tpLf;Fk; my;yJ
tpLg;gjhff; nfhs;sg;gLk; Mspd; mjpfhuk; my;yJ Msilahsk;
gw;wpa tprhuizapd;wpAk;> mwpTWj;Jjy;fs; fpilf;fg;ngw;w Neuj;jpy;
epytpa #o;epiyfisg; nghUl;gLj;jhkYk;> ek;Gtjw;Fk;
mtw;Wf;fpzq;fr; nraw;gLtjw;Fk; ml;il itj;jpUg;gtu; tq;fpf;F
mjpfhukspf;fpd;whu;. ml;il itj;jpUg;gtUld; njhlu;Gnfhs;tjw;F
tq;fpahdJ njhiyNgrp> nunyf;];> njhiyefy;> SMS> PIB my;yJ
kpd;dQ;ry; vd;gtw;iwg; gad;gLj;jyhk;. mwpTWj;Jjypd;
Neuk;/ngWifj; Njjp vd;gd gw;wpa tq;fpapd; jPu;khdj;ij ml;il
itj;jpUg;gtu; Kbthdjhf Vw;Wf;nfhs;s Ntz;Lk;.
(b) mwpTWj;Jjy;fs;> ml;il itj;jpUg;gtupdhy; KOikahf
mjpfhukspf;fg;gl;lit kw;Wk; mtiug; gpzpg;git vd;W fUJtjw;F
tq;fp chpik nfhz;Ls;sJ vd;gjhy;> tq;fpahdJ Njhjhdnjdf;
nfhs;sf;$bathwhf me;j mwpTWj;Jjy;fs; rk;ge;jkhf my;yJ
mtw;iw ek;gp eltbf;if vLg;gjw;Fk; chpik nfhz;Ls;sJ. me;j
mwpTWj;Jjy;fs; gzk; ;nrYj;Jtjw;fhditahf my;yJ NtW tpjkhf
45
VNjDk; fzf;fpy;;; gw;Witg;gjw;fhditahf my;yJ
tuTitg;gjw;fhditahf my;yJ VNjDk; gzj;ij my;yJ
vitNaDk; Mtzq;fisf; ifAjpu;j;jy; njhlu;ghditahf my;yJ
tq;fpAldhd my;yJ NtnwtNuDkhSldhd VNjDk; cld;gbf;iff;F
my;yJ NtW xOq;Nfw;ghl;Lf;F ml;il itj;jpUg;gtiug;
gpzpg;gdthff; nfhs;sg;gLtjw;fhditahf ,Ue;jhYk;> vj;jifaJkhd
NtNwNjDk; tifapdjhd nfhLf;fy; thq;fypd; my;yJ
xOq;Nfw;ghl;bd; jd;ikia my;yJ cl;gLj;jg;gl;l gzj;njhifiag;
nghUl;gLj;jhkYk;> mwpTWj;Jjy;fspd; epajpfspy; VNjDk; gpio>
,UnghUz;ik> gpwo;tpsf;fk; my;yJ njsptpd;ik vt;thwpUg;gpDk;>
mf; nfhLf;fy; thq;fYf;F my;yJ xOq;Nfw;ghl;Lf;F mtiug;
nghWg;ghf;Fgitahf ,Uf;Fk;.
(c) ,t;tjpfhutspg;gpdJk; ,og;ngjph;fhg;gpdJk; epajpfSf;fpzq;f tq;fp
nrayhw;Wtjw;Fg; gpujpgadhf> vj;jifa jd;ikahd
mwpTWj;Jjy;fspypUe;Jk; my;yJ mit rk;ge;jkhf vt;tifapYk;
vOfpd;witAk;> tq;fpapdhy; cwg;gl;litAk; my;yJ
milag;gl;litAkhd vy;yh el;lq;fs;> cupikf;Nfhupf;iffs;>
tof;Ffs;> tof;F eltbf;iffs;> Nfhupf;iffs;> NrjtPLfs;>
nryTnjhiffs; kw;Wk; nryTfs; vd;gtw;Wf;nfjpuhf tq;fpf;F
,og;ngjph;fhg;G toq;fTk; mjidj; njhlh;e;J NgzTk;; ml;il
itj;jpUg;gtu; ,j;jhy; khw;w Kbahj nghWg;ig Vw;Wf;nfhs;fpwhh;.
(d) ,t;tjpfhutspg;gpdJk; ,og;ngjph;fhg;gpdJk; epajpfs;> ml;il
itj;jpUg;gtuplkpUe;J KbTWj;Jif gw;wpa mwptpj;jiy tq;fp
ngw;whnyhopaTk; ngWk;tiuAk;> mjd; kPJ nrayhw;Wtjw;F epahakhd
fhyj;ij cilajhftpUe;jhnyhopaTk; cilajhftpUf;Fk; tiuAk;
njhlu;e;J KO tYTk; gaDk; nfhz;bUj;jy; Ntz;Lk; Mdhy;>
mj;jifa KbTWj;Jif> Nkw;$wg;gl;lthW mtupdhy; nfhLf;fg;gl;l
mjpfhutspg;gpd; fPo; cwg;gl;l VNjDk; nghWg;gpypUe;J
,t;Tld;gbf;ifapd; epajpfSf;fpzq;fg; Gupag;gl;l VNjDk; nray;
njhlu;gpyhd el;Nlhj;juthjj;jpypUe;J ml;il itj;jpUg;gtiu tpLtpf;f
khl;lhJ.
46
(e) gw;W ml;ilapd; toq;FifAk; gad;ghLk;> fhyj;Jf;Ff;fhyk;
tYtpypUf;ff;$ba> csjhAs;s rl;lq;fSf;Fk; tpjpfSf;Fk; xOq;F
tpjpfSf;Fk;> tPrh topfhl;LnewpfSf;Fk;> HSBC,d; epajp
epge;jidfSf;Fk; mike;jdthjy; Ntz;Lk;. tq;fpf;F mspf;fg;gl;l
vy;yh mjpfhutspg;Gf;fSk; jj;Jtq;fSk;
,y;yhnjhopf;fg;glKbahjit.
37.
MSifr; rl;lk;
,e;j epajp epge;jidfs; ,yq;ifapd; rl;lq;fSf;fpzq;fg; nghUs;nfhs;sg;gl;L
mtw;wpdhy; MSif nra;ag;gLk;. rfy gpzf;FfSk;> NtNwJk; ePjpkd;wk; rk
epahahjpf;fk; nfhz;bUg;gijg; nghUl;gLj;jhJ> ,yq;if ePjpkd;wq;fspd;
epahahjpf;fj;Jf;F cl;gl;litahf ,Uf;Fk;.
38.
jd;dpaf;fj; njhiyNgrp tq;fpj;njhopy; (ATB)
tq;fpapdhy; toq;fg;gLk; ATB Nrit gpd;tUtdtw;iw cs;slf;Fk;:
i. fzf;Fitj;jpUg;gtupd; fzf;FfSs; vtw;Wf;FkpilNa gzj;ijg; ghpkhw;wk;
nra;jy;.
ii. Vw;fdNt eph;zapff;g;gl;L cld;gl;Lf;nfhs;sg;gl;l ghpkhw;w vy;iyfspDs;
fzf;F itj;jpUg;gtupd; VNjDk; fzf;fpypUe;J> njhiyNgrp tq;fpj;njhopw;
Nritfspd; fPo; gzk; ngWk; Nehf;fj;jpw;nfd fzf;F itj;jpUg;gtupdhy;
ngau; Fwpg;gplg;gl;l VNjDk; fzf;fpw;F (“epakpf;fg;gl;l gzk; ngWeh;
fzf;F”) gzj;ij khw;Wjy;.
iii. (fzf;F itj;jpUg;gthpd; fzf;Ffs; njhlh;ghd) fzf;F kPjpfs;> filrpf;
nfhLf;fy; thq;fy;fspd; tpguq;fs;> nryhtzp tPjq;fs; kw;Wk; itg;G tPjq;fs;
gw;wp tprhupj;jy;@
47
iv. tpguf;$w;Wfs; (rpy tiff; fzf;FfSf;F kl;Lk;) kw;Wk; fhNrhiyg;
Gj;jfq;fSf;fhd Ntz;LNfhs;fs; kw;Wk; fhNrhiyf; nfhLg;gdit
epWj;Jtjw;fhd Ntz;LNfhs;fs;.
v. tq;fp fhyj;Jf;Ff;fhyk; mwpKfg;gLj;jf;$ba NtW tifapdthd
tq;fpj;njhopy; my;yJ KjyPl;Lr; Nritfs; gw;wp mwpe;Jnfhs;Sjy;.
39.
tq;fpahdJ> fzf;F itj;jpUg;gtupdhy; njhiyNgrp%yk; tpLf;fg;gl;l fzf;F
itj;jpUg;gtupd; mwpTWj;Jjy;fspd; Nghpy; nraw;gl (Mdhy; mjw;Ff;
fl;Lgltpy;iy) mjpfhukspf;fg;gLfpd;wJ. mjpfhukspf;fg;glhj egh;fsplkpUe;J
ngwg;gLfpwnjd tq;fp jdJ jdpj; jw;Wzpgpd; Nghpy; ek;Gk; VNjDk; njhiyNgrp%y
mwpTWj;Jjy;fspd; Nghpy; nraw;glTk; tq;fpf;F mjpfhukspf;fg;gl;Ls;sJ vd;gijAk;
njhiyNgrp mwpTWj;Jjy;fis tpLf;fpd;w eghpd; (egh;fspd;) Msilahsj;ij cWjp
nra;a Ntz;ba flg;ghL tq;fpf;Ff; fpilahJ vd;gijAk; fzf;F itj;jpUg;gth;
Vw;Wf;nfhs;fpwhh;.
40.
njhiyNgrp tq;fpr; Nritf;fhf> fzf;F itj;jpUg;gtUf;F tq;fpapdhy; toq;fg;gLk;
jdpg;gl;l milahs ,yf;fj;ij (PIN) vy;yh NtisfspYk; kpfTk; ,ufrpakhd
Kiwapy; itj;jpUf;fTk; PIN ,yf;fk; njhiye;jhy; my;yJ mJ mDkjpaw;w
xUtUf;Fj; njhpe;Jtpl;lnjd mwpate;jhy;> cldbahf tq;fpf;F mwptpf;fTk;
fzf;F itj;jpUg;gth; cld;gLfpwhh;.
41.
VNjDk; rhjdj;jpd; gpwo;nraw;ghL my;yJ gOJ cl;gl> tq;fpapd; fl;Lg;ghl;Lf;F
mg;ghw;gl;l VNjDk; epiyikapd; KOikahd my;yJ gFjpastpyhd
fhuzj;jpdhy;> vitNaDk; njhiyNgrp mwpTWj;Jjy;fs; epiwNtw;wg;glj; jtwpdhy;>
tq;fpahdJ fzf;F itj;jpUg;gtUf;Fg; nghWg;ghspahfhJ. tq;fp> mj; njhiyNgrp
mwpTWj;Jjy;fis epiwNtw;Wjy; rk;ge;jkhf my;yJ NtW tifahf vOfpd;w
vitNaDk; Neubahd> Neubay;yhj my;yJ tpisthe;jd;ikapdthd el;lq;fSf;Ff;
fzf;F itj;jpUg;gtUf;F vr;#o;epiyfspYk; nghWg;ghfhJ. mNj rkaj;jpy;>
tq;fpahdJ njhiyNgrp mwpTWj;Jjy;fis Vw;W mtw;wpd; Nghpy; nraw;gl;ljhy;
48
my;yJ nraw;glj; jtwpajhy; my;yJ mit njhlh;gpy; Neubahf my;yJ Neubaw;w
Kiwapy; tq;fpf;F vjpuhf vOe;j tof;Ffs;> tof;F eltbf;iffs;>
cupikf;Nfhupf;iffs;> el;lq;fs;> NrjtPLfs;> nryTnjhiffs;> nryTfs; vd;gd
vy;yhtw;Wf;nfjpuhfTk;> fzf;F itj;jpUg;gth; tq;fpf;F vy;yh Neuq;fspYk;
,og;ngjph;fhg;G toq;fTk; mtw;wpypUe;J tq;fpf;Fj; jPq;Ftpisahky; fhj;jYk;
Ntz;Lk;. njhiyNgrp tq;fpr; Nrit KbTWj;jy; nra;ag;gl;lhYk; ,e;j
,og;ngjph;fhg;G eilKiwapypUf;Fk;.
42.
,jd;fz;Zs;s epajp epge;jidfisg; gpd;gw;wp njhiyNgrp mwpTWj;Jjy;fis
tpLg;gjw;Ff; fzf;F itj;jpUg;gtUf;Fs;s cupik> vy;yh Neuq;fspYk; tq;fpapd;
jw;Wzpgpw;fikatpUj;jy; Ntz;Lnkd;gJld;> tq;fpahdJ Kd;dwptpj;jypd;wp
mj;jifa cupikia ve;Neuj;jpYk; ,y;yhnjhopf;fyhk;.
43.
njhiyNgrp%y my;yJ NtW mwpTWj;Jjy;fspd; Nehf;fj;Jf;fhf> fzf;F
itj;jpUg;gtupd; fzf;fpy; kw;Wk;/my;yJ fld; ml;ilf; fzf;fpy; Nghjpa gzk;
(my;yJ Kd;Ndw;ghL nra;ag;gl;l fld; trjpfs;) ,Ug;gjidf; fzf;F
itj;jpUg;gtu; cWjpg;gLj;Jjy; Ntz;Lk;. fzf;fpy; Nghjpa gzk; ,y;yhj
fhuzj;jpdhy;; VNjDk; mwpTWj;jiyr; nraw;gLj;j tq;fp jtwpaikapypUe;J
vOfpd;w vitNaDk; tpisTfSf;F tq;fp nghWg;ghspahfhJ. vdpDk;> tq;fpahdJ>
vg;nghOJk;> mjd; jdpj; jw;Wzpgpd;gb mj;jifa Nghjhik vt;thwpUg;gpDk;
mwpTWj;Jjy;fis epiwNtw;Wtjw;F KbTnra;jhy;> fzf;F itj;jpUg;gtuplkpUe;J
Kd;dq;fPfhuj;ij ehlhky; my;yJ mtUf;F mwptpj;jy; ,y;yhky; mwpTWj;jiyr;
nraw;gLj;jf;$Lk;. mjd; %yk; cUthf;fg;gl;l Nkyjpfg;gw;W> Kw;gzk; my;yJ
fld; vd;gtw;Wf;Fk; njhlu;Ggl;l vy;yh tpjpg;gdTfSf;Fk; fzf;F itj;jpUg;gth;
nghWg;ghf Ntz;Lk;. Nkyjpfg;gw;W> Kw;gzk; my;yJ fld;> tq;fp jdJ
jw;Wzpgpd;gb jPu;khdpf;ff;$ba tl;b tPjq;fSf;fike;jdthf ,Uf;Fk; vd;gJld;>
mj;jifa fzf;FfSf;F Vw;Gila tq;fpapd; toikahd epajp epge;jidfspdhy;
MSiff;Fk; cl;gLk;.
49
44.
fzf;F itj;jpUg;gtupdhy; tpLf;fg;gl;l njhiyNgrp mwpTWj;Jjy;fspd; Nghpy;
tq;fpapdhy; Gupag;gl;l nfhLf;fy; thq;fy;fs; gw;wpa tpguq;fs;> Fwpj;Jiuf;fg;gl;l
ngWeu; fzf;Ffis itj;jpUg;gtUf;F(tu;fSf;F) kw;Wk;;/my;yJ vtNuDk; $l;Lf;
fzf;F itj;jpUg;gtUf;F fzf;F itj;jpUg;gthpdhy; mwptpf;fg;gl Ntz;Lk;.
mj;jifa VNjDk; mwptpj;jiy toq;Fjy; njhlh;gpy; tq;fpahdJ fzf;F
itj;jpUg;gtUf;Fg; nghWg;ghspahfhJ.
45.
miog;G epiyaj;jpd; %yk; toq;fg;gLk; NritfSf;fhf> tq;fpahdJ mjd;
,Sg;gdTfs; gl;baYf;Nfw;g; Nritf; fl;lzq;fis kw;Wk;/my;yJ Vida
tpjpg;gdTfis tpjpg;gjw;fhd chpikiaf; nfhz;Ls;sJ.
46.
tq;fpahdJ fhyj;jpw;Ff; fhyk; ,r; Nritapd; nraw;ghl;L vy;iyfspYk; ,q;Fs;s
tpjpfspYk; vijNaDk;; Nrh;g;gjw;F> ePf;Ftjw;F my;yJ khw;Wtjw;F; chpik
nfhz;Ls;sJ. tq;fpahdJ mj;jifa khw;wq;fs;> tpguf;$w;Wld; toq;fg;gLk;
tpguf;Fwpg;G kw;Wk;/my;yJ www.hsbc.lk vd;w tq;fpapd; cj;jpNahfg+h;t tiyj;jsk;
kw;Wk;/my;yJ tq;fpapd; fpisfspy; ghh;itf;F itf;fg;gLk; tpsk;guq;fs; %yk;
mwptpf;fg;gLk; vd;;gJld;> ,J fzf;F itg;ghsh;fSf;F Kiwg;gb toq;fg;gl;l
mwptpg;ghfTk; nfhs;sg;gLk;. ,e;j mwptpj;jy; toq;fg;gl;l jpfjpapypUe;J 5
ehl;fSf;Fg; gpd;> rk;ge;jg;gl;l khw;wk; mKYf;F tUk;. ,f; fhyg;gFjp Kbtjw;Fs;
fzf;F itg;ghsh; (itg;ghsh;fs;) Nritia KbTWj;jp ,Uf;fhtpl;lhy;> mth;
(mth;fs;) ,e;j khw;wj;jpw;F cld;gl;Ls;shh;(fs;) vd;W nfhs;sg;gLk;.
47.
njhiyNgrp tq;fpr; Nritiag; ngWtjw;fhf tq;fpapdhy; toq;fg;gl;l jdpg;gl;l
milahs ,yf;fk; (PIN) kw;Wk; jdpg;gl;l tq;fpr; Nrit ,yf;fk; (PBN) vd;gd
gad;gLj;jg;gl;lhy; my;yJ ,r; Nritiag; ngWtjw;fhf fzf;F itg;ghshpd;
(itg;ghsh;fspd;) fld; ml;il ,yf;fq;fs; gad;gLj;jg;gl;lhy;> fzf;F
itg;ghsh;(fs;) ,e;j tpjpfis Vw;Wf;nfhz;lhh;(fs;) vd;W fUjg;gLk;.
50
48.
tq;fpapd; njhiyNgrp tq;fpr; Nritiag; gad;gLj;jp ntt;NtW
ehzaq;fSf;fpilapyhd nfhLf;fy; thq;fy;fisr; nra;Ak;NghJ> fzf;F
itj;jpUg;gtu; ,yq;if kj;jpa tq;fpapdhy; njuptpf;fg;gl;Ls;;s ehzag;
guptu;j;jidf; fl;LghLg; gpukhzq;fSf;Fg; gzpe;njhOf Ntz;Lk.
HSBC Premier SMS tpopg;g+l;ly;fs; (“Nrit”) 49.
thbf;ifahsh; ,r; Nritiag; gad;gLj;Jk; fhyj;jpy; tq;fpapd; mwpTWj;jy;fs;
kw;Wk;/my;yJ eilKiwfSf;F mikthfTk; fl;Lg;gl;Lk; elf;f Ntz;Lk;.
mj;jifa mwpTWj;jy;fs; kw;Wk;/my;yJ eilKiwfSf;F gzpe;njhOf
thbf;ifahsh; jtWtjhy;> mtUf;F Vw;glf;$ba VNjDk; ,og;G> Nrjk; kw;Wk;
nryTfs; njhlh;gpy;> tq;fpf;F vjpuhd chpikf; Nfhuy;> milf;fyk; my;yJ
epthuzk; vJTk; thbf;ifahsUf;Ff; fpilahJ.
50.
VNjDk; fhuzj;jpdhy;> ,r; Nrit njhlh;ghf my;yJ mjd; tpisthf
thbf;ifahsUf;F Neubahf my;yJ Neubaw;w Kiwapy; Vw;glf;$ba VNjDk;
,og;G my;yJ Nrjj;jpw;F thbf;ifahsh; tq;fpiag; nghWg;ghspahf;f KbahJ.
thbf;ifahsh; jtph;e;j ,d;DnkhUth;; nra;jpfisg; ghh;itapLjy; my;yJ
Nritiag; gad;Lj;Jjy;> fzdp kw;Wk; mjd; Nlh;kpdy; ,izg;Gf;fspd; my;yJ
juTfisr; nraw;gLj;Jk; mikg;gpd; my;yJ nrhe;jkhd my;yJ nrhe;jkw;w
mDg;gPl;L Clfq;fspd; nraypog;G my;yJ NfhshW> tq;fpapd; fl;Lg;ghl;bw;F
mg;ghw;gl;l NtNwJk; #o;epiyfs; vd;gdTk; ,f; fhuzq;fSs; mlq;Fk;.
51.
tq;fpahdJ Kd;dwptpj;jy; nfhLj;Jtpl;L ,r; Nritia khw;w> ,ilepWj;j
kw;Wk;/my;yJ KbTWj;j chpik nfhz;Ls;sJ. ,e;j Kd;dwptpj;jy; tpguf;$w;Wld;
toq;fg;gLk; tpguf;Fwpg;G my;yJ ,izg;G kw;Wk;/my;yJ www.hsbc.lk vd;w
tiyj;jsk; kw;Wk;/my;yJ tq;fpapd; fpisfspy; fhl;rpf;F itf;fg;gLk; tpsk;guq;fs;
%yk; mwptpf;fg;gLk;. mj;jifa mwptpj;jy;fs; khw;wk;> ,ilepWj;jk; kw;Wk;/my;yJ
KbTWj;jy; gw;wpf; fzf;F itj;jpUg;gtUf;F toq;fg;gl;l Kiwahd mwptpj;jyhff;
nfhs;sg;gLk;.
51
52.
thbf;ifahsh; VO (7) ehl;fSf;F Kd;Ng vOj;J%yk; Kd;dwptpj;jy;
(cWjpg;gLj;jYf;F cl;gLk;) nfhLg;gjd; %yk; my;yJ thbf;ifahsh; Nrit
n`hl;iyd; (PIN Ch;[pjg;gLj;jy; Njit) Clhf mwptpg;gjd; %yk; ,r; Nritapd;
cgNahfj;ij KbTWj;Jk;gb Ntz;LNfhs; tpLf;fyhk;. Nritapy; VNjDk;
khw;wj;ijr; nra;a thbf;ifahsh; tpUk;gpdhy;> mth; mjw;nfd xU Gjpa tpz;zg;gg;
gbtj;ij epug;g Ntz;Lk;.
53.
Nritapd; cgNahfk; njhlh;gpy; my;yJ mjd; tpisthf tq;fpf;F Vw;glf;$ba
VNjDk; ,og;G> Nrjk; kw;Wk; nryTfSf;F vjpuhfTk; tq;fp Kfq;nfhLf;ff;$ba
rl;l eltbf;iffs;> chpikf; Nfhhpf;iffs; kw;Wk; Nfhhpf;iffSf;F vjpuhfTk;
tq;fpf;F ,og;ngjph;fhg;G toq;fTk;> me;j ,og;ngjph;fhg;igj; njhlh;e;J Ngzp vy;yh
NtisfspYk; tq;fpiaj; jPq;fpypUe;J ghJfhf;fTk; thbf;ifahsh; ,j;jhy; vt;tpj
jaf;fKkpd;wp ,zq;fpg; nghWg;Ngw;fpwhh;.
54.
,q;F njhptpf;fg;gl;Ls;s tpjpfs; kw;Wk; epge;jidfis ve;j Neuj;jpYk;
thbf;ifahsUf;F Kd;dwptpj;jy; nfhLf;fhkYk; khw;Wtjw;F tq;fp chpik
nfhz;Ls;sJ. mj;jifa khw;wk; eilKiwf;F te;Js;sjhf mwptpf;fg;gLk;
jpfjpapypUe;J thbf;ifahsh; mjw;Fg; g+uzkhff; fl;Lg;gl;L elf;f Ntz;Lk;.
mj;jifa khw;wq;fs; fbjk; kw;Wk;/my;yJ tpguf;$w;Wld; toq;fg;gLk; tpguf;Fwpg;G
kw;Wk;/my;yJ www.hsbc.lk vd;w tiyj;jsk; kw;Wk;/my;yJ tq;fpapd; fpisfspy;
fhl;rpf;F itf;fg;gLk; tpsk;guq;fs; %yk; thbf;ifahsh;fSf;Fj; njhptpf;fg;gLk;.
55.
rpy ehLfspd; xOq;FgLj;jy; Njitfs; kw;Wk; fl;Lg;ghLfs; fhuzkhf ,r;
Nritia me;j ehLfspy; ngw KbahjpUf;fyhk;.
52
tl;b
56.
Nrkpg;G kw;Wk; fhy itg;Gf; fzf;Ffspd; kPjhd tl;b tPjq;fs; (ntspehl;L
ehzak;/cs;ehl;L ehzak;) Kd;dwptpj;jypd;wp khw;wg;glyhk;. vdpDk;> jw;NghJs;s
VyNtAs;s fhy itg;Gf;fisg; nghWj;jtiuapy;> mit Kjph;rpailAk; tiu>
xg;Gf;nfhs;sg;gl;l tl;b tPjj;ij tq;fp khw;whJ.
57.
Nrkpg;Gf; fzf;FfSf;fhd tl;bahdJ eilKiwapYs;s tl;b tPjj;jpw;Nfw;g ehshe;j
kPjpapd; mbg;gilapy; fzpf;fg;gl;L> khj Kbtpw;Fs; Kd;dh;> Fwpg;gplg;gl;l fzf;fpy;
my;yJ fzf;F itg;ghshpdhy; (itg;ghsh;fspdhy;) Fwpj;Jiuf;fg;gl;l NtNwJk;
fzf;fpy; tuT itf;fg;gLk;. &gha; ehzaj;jpyhd eilKiwf; fzf;fpYs;s
kPjpfSf;F vt;tpj tl;biaAk; tq;fp toq;fhJ.
thpfs ;
58.
cs;ehl;L ,iwthpj; jpizf;fsj;jpdhy; Njitg;gLj;jg;gl;Ls;sgb> rfy fzf;F
itg;ghsh;fSk; fzf;F Muk;gg; gbtj;jpy; jkJ thp epiyik kw;Wk; tjptpl
epiyik gw;wpa rl;lg+h;tkhd gpufldj;ijg; g+h;j;jpnra;a Ntz;Lk;. mg; gpufldj;ij
chpa Ntisapy; g+h;j;jpnra;Ak; nghWg;G fzf;F itg;ghsh;fisr; rhh;e;jjhFk;.
fzf;F itg;ghsh; jdJ thpg; nghWg;Gf;fis chpa Ntisapy; gpufldk; nra;aj;
jtwpaik cs;spl;l VNjDk; fhuzq;fspdhy;> fzf;F itg;ghsh; vjph;Nehf;ff;$ba
VNjDk; tpisTfSf;F tq;fp nghWg;ghspahfhJ. fzf;F itg;ghsh;fspdhy;
nra;ag;gLk; rl;lg+h;t gpufldk; xNu Mizaspg;gpd; fPo; Muk;gpf;fg;gl;L MSif
nra;ag;gLk; rfy jw;NghJs;s kw;Wk; Gjpa fzf;FfSf;Fk; nghUe;Jk;. cs;ehl;L
,iwthpj; jpizf;fsj;jpdhy; my;yJ nghUj;jkhd NtNwJk; mjpfhu mikg;gpdhy;
fhyj;jpw;Ff; fhyk; Fwpj;Jiuf;fg;gLk; tPjk; my;yJ tPjq;fSf;F mika> tl;bf;
nfhLg;gdTfspd; kPJ tpjpf;fg;gLk; ,ilepWj;jpitf;fg;gl;l thp my;yJ NtNwJk;
thp Fwpg;gpl;l fhyg;gFjpf;fhd tl;bf; nfhLg;gdtpypUe;J tq;fpapdhy; fopf;fg;gLk;.
Nrfhpf;fg;glhj ,ilepWj;jpitf;fg;gl;l thpfis my;yJ NtNwJk; thpfis
cs;ehl;L ,izthpj; jpizf;fsk; my;yJ nghUj;jkhd mjpfhu mikg;G gpwpnjhU
Ntisapy; tq;fpaplkpUe;J NfhUkhdhy;> fzf;F itg;ghsUf;F (itg;ghsh;fSf;F)
53
mwptpj;jy; nfhLf;fhkNy> fzf;F itg;ghshplk; (itg;ghsh;fsplk;) ,Ue;J mtw;iw
kPl;f tq;fpf;F chpikAz;L.
HSBC Premier cyfshtpa Nritfs; 59.
a) HSBC Premier cyfshtpa Nritfs; fzf;F itj;jpUg;gtUf;F
toq;fg;gLkplj;J> HSBC Premier cyfshtpa Nritfspd; fPo; kh];lh;fhh;l;
,d;lh;e\dypdhy; toq;fg;gLk; Nritfs; ve;j epajp epge;jidfspd; gpufhuk;
toq;fg;gLfpd;wdNth> me;j epajp epge;jidfspdhy; gpzpf;fg;gLtjw;Ff;
fzf;F itj;jpUg;gtu; cld;gLfpd;whu;.
b) fzf;F itj;jpUg;gth; gpd;tUk; ruj;Jf;fs; njhlh;ghd tq;fpapd; chpikfis
(vt;tpj epge;jidAkpd;wp) Vw;Wf;nfhs;fpwhh;:
(i) gw;W ml;il toq;fg;gLk;NghJ/GJg;gpf;fg;gLk;NghJ mjw;fhd
tUlhe;jf; fl;lzq;fs;> elg;gpYs;s ,Wg;gdTg; gl;baypd;gb
fzpf;fg;gl;L> gpujhd fzf;fpy;; gw;W itf;fg;gLk;. ,f; fl;lzq;fs;
kPsg;ngw KbahjitahFk;.
(ii) gw;W ml;ilAld; njhlu;Ggl;l Vida tpjpg;gdTfs;> fhyj;jpw;Ff;
fhyk; epyTfpd;w ,Wg;gdTg; gl;baypd;gb fzf;fpy; gw;W itf;fg;gLk;.
(iii) tq;fp mjd; jw;Wzpgpd; NghpYk;> ml;il itj;jpUg;gtUf;F
Kd;dwptpj;jy; nfhLf;fhkYk;> chpa ,Wg;gdTg; gl;baiyf;
fhyj;jpw;Ff; fhyk; kPsha;T nra;tjw;F chpik nfhz;Ls;sJ. ml;il
itj;jpUg;gth; Ntz;LNfhs; tpLf;Fk; gl;rj;jpy; tq;fpapd;
,Wg;gdTg;gl;bay; gw;wpa ife;E}y; mtUf;F toq;fg;gLk;.
(iv) ntspehl;L ehzaj;jpyhd rfy tpjpg;gdTfSk; ,yq;if &gha;fspy;
fzf;fpy; gw;W itf;fg;gLk;. ntspehl;L ehzaj;jpy; cwg;gl;l
tpjpg;gdTfs; midj;Jk; HSBC ,dhy; my;yJ tPrh ,d;lh;e\dypdhy;
fhyj;jpw;Ff; fhyk; Fwpj;Jiuf;fg;gLk; tPjj;jpy; mjw;Fr; rkkhd
,yq;if &ghahf khw;wg;gLtjw;F ml;il itj;jpUg;gtu; HSBC f;Fk;
tPrh ,d;lh;e\dYf;Fk;; ,j;jhy; mjpfhukspf;fpd;whu;.
54
(v) fzf;F itj;jpUg;gtUf;F (re;jh;g;gj;jpw;Nfw;wthW) HSBC gphpkpah;
cyfshtpa Nritfis toq;Fk; Nehf;fq;fSf;fhf> fzf;F
itj;jpUg;gth; gw;wpAk; mtuJ HSBC gphpkpah; kw;Wk; kh];lh;fhh;l;
fzf;Ffs; njhlh;ghfTk; tq;fp fhyj;jpw;Ff; fhyk; itj;jpUf;ff;$ba
VNjDk; jfty;fis kh];l;lu;fhu;l; ,d;lu;e\dYf;Fk;
(re;jh;g;gj;jpw;Nfw;wthW)> mth;fspd; Kfth;fs; kw;Wk; %d;whk; jug;G
Nrit toq;Feh;fSf;Fk; ghpkhw;wk; nra;a my;yJ ntspg;gLj;j
fhyj;jpw;Ff; fhyk; eltbf;if vLf;f KbAk;.
a) HSBC Premier cyfshtpa Nritfspd; fPo;; toq;fg;gLk; Nritfs;>
kh];lh;fhh;l; ,d;lu;e\dy;> mjd; Kftu;fs;> mjdhy; epakpf;fg;gl;l %d;whk;
jug;Gr; Nrit toq;Feu;fs; MfpNahhpdhy;; toq;fg;gLfpd;wd. mjw;fpzq;f>
kh];lh;fhh;l; ,d;lu;e\dy; my;yJ mjd; Kftu;fs; my;yJ %d;whk; jug;Gr;
Nrit toq;Feh;fspd; VNjDk; nray; my;yJ jtWifapy; ,Ue;J my;yJ
nghJthf HSBC Premier cyfshtpa Nritfs; njhlh;gpy; vOfpd;w vj;jifa
jd;ikapdTkhd vitNaDk; tof;Ffs;> cupikf;Nfhupf;iffs;> el;lk;> Nrjk;
my;yJ nghWg;G vd;gtw;wpw;F tq;fp nghWg;ghspahfhJ.
60.
fzf;F itj;jpUg;gtUf;F VNjDk; Nritia toq;FtJ gw;wp tq;fp
ftdj;jpw;nfLf;f topnra;Ak; tifapy;> fzf;F itj;jpUg;gth;> fhyj;Jf;F f;fhyk;
jdpg;gl;l juTfis tq;fpf;F toq;f Ntz;Lk;. mth; mt;thW nra;aj; jtwpdhy;>
mj;jifa Nritia mtUf;F toq;f Kbahj epiy tq;fpf;F Vw;glf;$Lk;.
61.
jdpg;gl;l juTfs;> fzf;F itj;jpUg;gthpd; Ntz;LNfhisf; ftdj;Jl;nfhs;tjw;Fg;
gad;gLj;jg;gLnkd;gJld;> tq;fp mj;jifa Nritia toq;Ftjw;F
cld;gLtjw;fika> tq;fpAld; fzf;F itj;jpUg;gtupd; nfhLf;fy;thq;fy;fs;
my;yJ ifahSiffs; njhlu;ghd jdpg;gl;l juTfSk; kw;nwy;yh tpguq;fSk;
jfty;fSk;> fzf;F itj;jpUg;gtUf;F mj;jifa Nritia toq;FtJ rk;ge;jkhfg;
gad;gLj;jTk;gLk;. tq;fpahdJ> gpd;tUtd rk;ge;jkhd Nehf;fq;fSs; vtw;Wf;Fk;
kw;Wk; vy;yhtw;Wf;Fkhf (tiuaiwapd;wp HSBC njhFjpapd; vtNuDk; cWg;gpdu;
my;yJ VNjDk; Nrit toq;FeUl;gl) tq;fp mtrpankdf; fUjf;$bathwhd
55
mj;jifa vy;yh Ml;fSf;Fk;> Ml;fsplkpUe;Jk;> Ml;fSlDk; mj;jifa
jdpg;gl;l juTfisAk; mj;jifa NtW tpguq;fisAk; jfty;fisAk; gad;gLj;Jk;>
fsQ;rpag;gLj;Jk;> ntsptpLk;> ifkhw;Wk; (,yq;ifapDs;Nsh ,yq;iff;F
ntspNaNah)> ngw;Wf;nfhs;Sk; kw;Wk;/my;yJ nfhLj;Jkhw;Wk;:
a) (jpul;ba tpguf;$w;Wf;fis toq;Fjy; cs;spl;l) Nritfis toq;Fjy;
rk;ge;jkhf.
b) vj;jifa Nrhf;fj;jpw;fhfTk; (fzf;F itj;jpUg;gtUf;F vjpuhf VNjDk;
ghjfkhd eltbf;ifia vLf;Fk; my;yJ NtNwJk; Nehf;fk;) vitNaDk;
jdpg;gl;l juTfis tq;fpapd; cilikapYs;s jdpg;gl;l juTfSld;
xg;gpLtjw;fhf.
c) Vida epjp epWtdq;fSf;F my;yJ NtW jug;gpdUf;F fzf;F
itj;jpUg;gth; gw;wpa rpghhpRf; Fwpg;gPl;il toq;Ftjw;fhf.
d) tq;fpapdhYk; HSBC FOkj;jpd; NtnwhU mq;fj;jthpdhYk; fzf;F
itj;jpUg;gtUf;F toq;fg;gLk; nghJthd Nritfis Cf;Ftpg;gjw;F>
Kd;Ndw;Wtjw;F kw;Wk; mjpfhpg;gjw;F. kw;Wk;/ my;yJ NtnwitNaDk;
Nehf;fq;fSf;fhf> nghJf; nfhs;iff;fpzq;f fhyj;Jf;Ff; fhyk; tq;fpapdhy;
fpilf;ff;$badthf;fg;gl;l $w;Wf;fspYk; Rw;wwpf;iffspYk;
mwptpj;jy;fspYk; my;yJ epajp epge;jidfspYk; njhptpf;fg;gl;Ls;s
Ml;fSld; jfty;fisg; gfph;e;Jnfhs;tjw;fhf.
62.
fzf;F itj;jpUg;gtu;> jdpg;gl;l juTfSs; vtw;iwAk; mZFtjw;Fk;
jpUj;Jtjw;Fk; my;yJ Neubr; re;ijg;gLj;jy; Nehf;fq;fSf;fhf jdpg;gl;l
juTfisg; gad;gLj;jhJtpLk;gb Ntz;LNfhs; tpLg;gjw;Fk; chpik nfhz;Ls;shh;.
Ntz;LNfhs; vJTk; vOj;jpy; nra;ag;gl;L tq;fpapdhy; fhyj;Jf;Ff;fhyk;
Fwpj;Jiuf;fg;glf;$ba Kftupf;Fk; ,yf;fj;Jf;Fk; jdpg;gl;l tq;fpj;njhopy;
KfhikahsUf;F Kftupapl;lDg;gg;glyhk;. tq;fpahdJ> Vw;Gilaw;ghydthd
vitNaDk; rl;lq;fspd; fPOk; xOq;Ftpjpfspd; fPOk; mt;thW nra;a kWj;jhy;
kWj;jhy; my;yJ nra;a kWf;Fk;gb Njitg;gLj;jg;gl;lhnyhopa> tq;fp mj;jifa
Ntz;LNfhSf;F ,zq;fpnahOFk;.
56
63.
a) fzf;Ffis Muk;gpj;jy; my;yJ njhlu;e;J NgZjy;> tq;fpj;njhopy;
trjpfisj; jhgpj;jy; my;yJ njhlu;e;J Nkw;nfhs;Sky;; my;yJ
tq;fpj;njhopw; Nritfis toq;Fjy; vd;gd rk;ge;jkhd juTfisf; fzf;F
itj;jpUg;gth; fhyj;Jf;Ff;fhyk; tq;fpf;F toq;FtJ mtrpakhFk;. mj;jifa
juTfis toq;fj; jtWjy;> fzf;Ffisj; Muk;gpg;gjw;F my;yJ njhlu;e;J
elj;Jtjw;F my;yJ tq;fpj;njhopy; trjpfisj; jhgpg;gjw;F my;yJ
njhlu;e;J elj;Jtjw;F my;yJ tq;fpj;njhopy; Nritfis toq;Ftjw;F
tq;fpf;F ,ayhkw;Nghtij tpistpf;fyhk;. thbf;ifahsu;fs; fhNrhiyfis
vOJk;NghJ my;yJ gzj;ij itg;gpypLk;NghJ tq;fpj;njhopy; cwTKiwapd;
rhjhuzj; njhlh;r; nraw;ghl;bd;NghJk; thbf;ifahsu;fsplkpUe;J juTfs;
Nrfupf;fg;gLfpd;wd.
b) xU thbf;ifahsu; njhlu;ghd juTfis ve;j Nehf;fj;Jf;fhfg;
gad;gLj;j KbANkh me;j Nehf;fq;fs; gpd;tUkhW:
i. thbf;ifahsu;fSf;F toq;fg;gLk; NritfspdJk; fld; trjpfspdJk;
ehshe;jj; njhopw;ghL@
ii. fld; nrt;it ghu;j;jy;fis elhj;Jjy;@
iii. fld; nrt;it ghu;j;jy;fis elj;Jtjw;Fk; fld;fisr; Nrfupg;gjw;Fk;
Vida epjp epWtdq;fSf;F cjTjy;@
iv. fzf;F itj;jpUg;Nghupd; fld;ngW jfit cWjpg;gLj;Jjy;. fzf;F
itj;jpUg;gtUf;fhd epjpr; Nritfs; my;yJ njhlh;Gila trjpfspd;
ghtidia tbtikj;jy;.
v. epjpr; Nritfs; kw;Wk; njhlh;Gila trjpfisr; re;ijg;gLj;Jjy;.
vi. fzf;F itj;jpUg;Nghhpd; my;yJ mth;fSf;fhd fld;gLifj;
njhifiaj; jPu;khdpj;jy;@
vii. fzf;F itj;jpUg;NghhplkpUe;Jk; mth;fspd; flg;ghl;bw;Fg; gpiz
toq;FNthhplkpUe;Jk; fpilf;f Ntz;ba epYitfisr; Nrfupj;jy;.
viii. tq;fpia my;yJ mjd; fpisfSs; vtw;iwAk; gpzpf;fpd;w VNjDk;
rl;lj;jpd; Njitg;gLj;jy;fspd; gpufhuk; ntspg;gLj;jy; Njitia
<Lnra;jy;.
ix. tq;fpapd; cz;ikahd my;yJ cj;Njrpf;fg;gl;l rhl;Ljy;ngWeiu
57
my;yJ thbf;ifahsu; njhlu;gpy; tq;fpapdJ chpikfspd;
gq;Fgw;Weiu my;yJ Jizg; gq;Fgw;Weiu> rhl;Ljypy; my;yJ
gq;Fgw;Wifapy; my;yJ Jizg; gq;Fgw;Wifapy; cj;Njrpf;fg;gl;l
nfhLf;fy; thq;fiy kjpg;gPL nra;tjw;F ,ayr;nra;jy;. mj;Jld;
x. mjNdhL njhlu;Ggl;l Nehf;fq;fs;.
c) xU fzf;F itj;jpUg;gtu; njhlu;ghf tq;fpapdhy; itj;jpUf;fg;gLk; juTfs;>
tq;fpapdhy; me;juq;fkhditahf itj;jpUf;fg;gLnkd;gJld;> tq;fpahdJ
ge;jp (b),y; jug;gl;Ls;s Nehf;fq;fSf;fhfg;gpd;tUk; jug;gpdUf;F mj;jifa
jfty;fis toq;fyhk;:
i. tq;fpahdJ mjd; mYty;fisj; njhopw;gLj;JtJ rk;ge;jkhf mjw;F
epUthf> njhiyj;njhlu;Gfs;> fzdp> nfhLg;gdT my;yJ
gpizg;nghWg;Gfs;> jPu;Tnra;jy; my;yJ NtW Nritfis toq;Ffpd;w
vtNuDk; Kftu;> xg;ge;jf;fhuu; my;yJ %d;whk; jug;Gr; Nrit
toq;Feu;.
ii. mj;jifa jftiy me;juq;fkhdjhf itj;jpUg;gjw;Fg;
nghWg;Ngw;Ws;s tq;fpapd; FOkf; mq;fj;jth; cl;gl me;juq;fj;
jd;ikiag; ghJfhf;f tq;fpf;Ff; flg;gl;Ls;s NtNwDnkhUth;.
iii. nrYj;jg;gl;l xU fhNrhiyapd; (mJ ngWeh; gw;wpa jftiyf;
nfhz;bUf;fyhk;) gpujpia toq;Fk; gzk; nrYj;Jk; tq;fp. fld;
jfty; Fwpg;gPl;L Kftu; epiyaq;fs;> kw;Wk; jtWif Ghpag;gLk;
gl;rj;jpy;> fld; Nrfupg;G epiyaq;fs;.
iv. tq;fpia my;yJ mjd; fpisfSs; vtw;iwAk; gpzpf;fpd;w VNjDk;
rl;lj;jpd; Njitg;ghLfspd; gpufhuk;> vj;jifa egh;fSf;F
ntsptpLifiar; nra;a tq;fp flg;ghL nfhz;Ls;sNjh mj;jifa
egh;fs;.
v. tq;fpapd; vtNuDk; cz;ikahd my;yJ cj;Njrpf;fg;gl;l
rhl;Ljy;ngWeu; my;yJ gq;Fgw;Weu; my;yJ Jizg; gq;Fgw;Weu;
my;yJ thbf;ifahsh; njhlh;gpyhd tq;fpapd; cupikfisf; ifkhw;wk;
ngWgtu;. mj;Jld;
58
vi. ePjpkd;wf; fl;lis %yk; Fwpg;gplg;gLgth;fs;.
jpul;ba tpguf;$w;Wf;fs;
64.
fhyj;Jf;Ff; fhyk; tq;fpapdhy; Fwpj;Jiuf;fg;gl;lthW vy;yh HSBC Premier
fzf;FfSk; Vida tq;fpj;njhopw; NritfSk; njhlu;ghd nfhLf;fy;
thq;fy;fisAk; kPjpfisAk; fhl;Lfpd;w fzf;F tpguf;$w;Wf;fis tq;fpahdJ
xt;nthU khjKk; (my;yJ fzf;F itj;jpUg;gthpdhy; Fwpj;Jiuf;fg;gl;lthW)
fzf;F itj;jpUg;gtUf;F mDg;Gk;.
fzf;F tpguf;$w;whdJ> tpguf;$w;Wr; Row;rpapd; KbtpypUe;J 10 ehl;fspDs;
ngwg;glhtpbd; tq;fpf;F mwptpf;fg;gLjy; Ntz;Lk;.
fzf;F itj;jpUg;gth;> xt;nthU fzf;F tpguf;$w;iwAk; gupNrhjpj;J> mJ
ngwg;gl;ljpypUe;J my;yJ (tplaj;Jf;Nfw;g) gjptQ;ry; %yk; mDg;gg;gl;l
jpfjpapypUe;J 14 ehl;fspDs;> tha;nkhop %yk; my;yJ vOj;jpy;> vtNuDkhs;
(ngha;ahfg; Gidjy;> Nkhrb nra;jy;> mjpfhukpy;yhjpUj;jy;; my;yJ mrl;ilnra;jy;
vd;gtw;wpypUe;jhd fhuzq;fis tiuaiwapd;wp cl;gLj;jp) vj;jifaJkhd
vf;fhuzj;jpypUe;Jk; vOfpd;w mjd;fz;Zs;s vitNaDk; rhu;j;jg;gl;l gpiofis
my;yJ tpl;LtpLiffis tq;fpf;F mwptpf;f cld;gLfpd;whu;. mth;@ mt;thW nra;aj;
jtwpdhy;> jpul;ba fzf;Ff;$w;wpy; fhl;lg;gl;Ls;s kPjp gw;wp Kbthd rhd;whFk;
vd;gJld; mJ fzf;F itj;jpUg;gtiug; gpzpg;gjhfTk; mikAk;. mj;Jld;> fzf;F
itj;jpUg;gth;;> mJ njhlh;gpy; tq;fpf;nfjpuhf Ml;Nrgidfis vOg;Gtjw;fhd
my;yJ gupfhuq;fisf; NfhUtjw;fhd vitNaDk; cupikfisj; js;Sgb
nra;Js;shnudTk; fUjg;gLk;.
65.
fzf;F tpguf;$w;Wf;fisg; ghJfhg;ghf itj;jpUg;gJ fzf;F itj;jpUg;gthpd;
nghWg;ghFk;. fzf;F tpguf;$w;Wf;fspd; gpujpfs; tq;fpaplkpUe;J Nfhug;gl;lhy;> tq;fp
mjd; ntspaplg;gl;l ,Wg;gdTg; gl;baYf;fpzq;f mjw;fhd tpjpg;gdnthd;iw
mwtpLtjw;Fchpik nfhz;Ls;sJ.
59
njhiyefy; ,og;ngjph;fhg;G
66.
jpl;lj;ijr; nraw;gLj;Jtjw;fhf> jpl;lj;jpd; Mizaspg;gpy; Fwpg;gpl;lthW
cz;ikahd ifnahg;gj;Jld; vOj;jpyhd cWjpg;gLj;jy; toq;fg;gl Ntz;Lk; vd;w
Njitiaf; fUjhky;> njhiyefy; %yk; mDg;gg;gLk; mwpTWj;jiy (“mwpTWj;jy;”)
Vw;Wf;nfhz;L nraw;gLj;j tq;fp fhyj;jpw;Ff; fhyk; ,zq;Ftijf; fUj;jpw;nfhz;L>
fzf;F itj;jpUg;gth; gpd;tUtdtw;wpw;F cld;gLfpd;whu;:
a. tq;fpahdJ> fzf;F itj;jpUg;gthplkpUe;J tUfpd;wnjd jdJ jdpj;
jw;Wzpgpy; ek;Gfpd;w mwpTWj;Jjy;fspd; kPJ nraw;gLtjw;F ,j;jhy;
mjpfhuk; mjpfhukspf;fg;gLfpd;wJ. mjpfhukspf;fg;glhj Ml;fsplkpUe;J
tUfpd;w vitNaDk; mwpTWj;Jjy;fspd; kPJ ey;nyz;zj;Jld;
nraw;gl;lhYk; tq;fp mjw;Fg; nghWg;ghspahfhJ.
b. fzf;F itj;jpUg;gtupd; ngaupy; toq;fg;gLtjhff; $wg;gLk;
mwpTWj;jy;fis toq;Fk; eghpd; (egh;fspd;) Msilahsj;ijr; rhpghh;f;f
Ntz;ba flg;ghL vJTk; tq;fpf;Ff; fpilahJ. mj;jifa
mwpTWj;Jjy;fisg; gpd;gw;wpr; nra;ag;gl;l vitNaDk; nfhLf;fy; thq;fy;fs;>
fzf;F itj;jpUg;gthpd; mjpfhuj;Jld;> mwpTld; my;yJ rk;kjj;Jld;
nra;ag;gl;bUe;jhYk; ,y;yhtpl;lhYk;> fzf;F itj;jpUg;gtiug; gpzpf;Fk;.
c. tq;fpapd; Ntz;Lnkd;w jtWif fhuzkhf Vw;gl;bUe;jhyd;wp> fzf;F
itj;jpUg;gthpd; jtWif fhuzkhf kw;Wk;;/my;yJ tq;fpapdhy; fl;Lf;fhg;Gr;
Nritfis toq;Fk;NghJ mJ njhlh;ghd mjd; flg;ghLfisg; Guptjpy;
my;yJ mwpTWj;Jjy;fis (njhiyNgrp kw;Wk; njhiyefy; mwpTWj;Jjy;fs;
cl;gl Mdhy; mtw;Wf;F tiuaWf;fg;glhky;) Vw;Wf;nfhs;tjpy; kw;Wk;
mtw;wpd; kPJ nrayhw;wpajpy; my;yJ nrayhw;wj; jtwpajd; fhuzkhf>
tq;fpf;nfjpuhff; nfhz;Ltug;glf;$ba> tq;fpapdhy; milag;gl;l my;yJ
cwg;gl;l fzf;F my;yJ mJ njhlh;gpy; Neubahf my;yJ
Neubahfty;yhky; vOe;jpUf;ff;$ba vy;yh tof;Ffs;> tof;F eltbf;iffs;>
cupikf;Nfhuy;fs;;> el;lq;fs;> NrjtPLfs;> nryTnjhiffs; nryTfs
vd;gdtw;Wf;nfjpuhf vy;yh Neuq;fspYk; tq;fpf;F ,og;ngjph;fhg;G
mspg;gjw;Fk;; mtw;wpypUe;J tq;fpf;Fj; jPq;FtpisahJ fhg;gjw;Fk; fzf;F
60
itj;jpUg;gth; nghWg;Ngw;fpd;whu;. mj;jifa ,og;ngjph;fhg;G ,j; jpl;lk;
KbTWj;jg;gl;lhYk; njhlh;e;J mKypy; ,Uf;Fk;.
d. njhiyefy; %yk; mDg;gg;gl;l Ntz;LNfhspd; %yg;gpujp cs;spl;l VNjDk;
Mtzj;ij tq;fp ngw;Wf;nfhs;Sk;NghJ> mj;jifa Mtzj;jpd; Kfg;gpy;
“,J> njhiyefy; %yk; mDg;gg;gl;l fbjj;jpd; %yg;gpujp>
,izg;gpujpnaLf;f Ntz;lhk;” vdg; ngupa vOj;Jf;fspYk; njspthfTk;
$wg;gl;bUe;jhnyhopa> tq;fp mjidj; jdpNtwhd Ntz;LNfhshff;
fUJnkdf; fzf;Fitj;jpUg;gtu; tpsq;fpf;nfhs;fpd;whu;.
e. fzf;F itj;jpUg;gtu;(fs;)> mNj njhiyefy; nra;jpia tq;fpapd; ntt;NtW
fpisfSf;F/gFjpfSf;F mDg;gpdhy;> me;j ,izg;gpujpfs;> thrfk; (d),y;
Fwpg;gplg;gl;lthW “,izg;gpujp” vdf; Fwpg;ghf milahskplg;gl;lhnyhopa>
mwpTWj;Jjy;fis epiwNtw;Wtjpy; ,lk;ngwf;$ba VNjDk; ,ul;bg;Gf;F
tq;fp nghWg;ghspahfhnjdf; fzf;F itj;jpUg;gtu; cld;gLfpd;whu;.
njhiyNgrpr; NritfSk; ,og;ngjph;fhg;Gk;
67.
tq;fpapdhy; toq;fg;gLk; njhiyNgrpr; Nritfs;> gpd;tUtd njhlu;gpy; njhiyNgrp
mwpTWj;Jjy;fis cs;slf;Ffpd;wd:
i. fzf;F itj;jpUg;gtupd; fzf;FfSs; vtw;Wf;FkpilNa epjpfisg; ghpkhw;wk;
nra;jy;. $l;Lf;fzf;Ffisg; nghWj;jtiuapy;> ifnahg;g mwpTWj;JjyhdJ
,U fzf;F itj;jpUg;gtu;fSs; xUtu; ifnahg;gkpLtjhf ,Ue;jhy; kl;LNk
ghpkhw;wq;fs; mDkjpf;fg;gLk;. mj;jifa re;ju;g;gq;fspy; ghpkhw;wkhdJ
fzf;F itj;jpUg;gtupd; $l;Lf; fzf;fpw;Fk;; kw;Wk;/ my;yJ mNj itg;Gf;
fzf;if itj;jpUg;gthpd; jdpg;gl;l fzf;FfSf;Fk; ,ilapyhdjhf ,Uf;f
Ntz;Lk;.
ii. (fzf;F itj;jpUg;gtupd; fzf;Ffs; njhlu;ghd) fzf;F kPjpfs; kw;Wk;
filrpf; nfhLf;fy; thq;fy;fs; gw;wpAk; nryhtzpg; ghpth;;j;jid tPjq;fs;
kw;Wk; itg;G tPjq;fs; gw;wpAk; tprhupj;jy;.
iii. fzf;F itj;jpUg;gtupd; (njupTnra;j fzf;FfSf;fhd) fzf;Fj;
61
tpguf;$w;Wf;fs;> kw;Wk; fhNrhiyg; Gj;jfq;fSf;fhd Ntz;LNfhs;fs; kw;Wk;
fhNrhiyia epWj;Jtjw;fhd Ntz;LNfhs;fs;. mj;Jld; HSBC FOkj;jpdhy;
my;yJ kh];l;lu;l;fhu;l; ,d;lu;e\dypdhy; toq;fg;gLk; cyfshtpa
Nritfs; tq;fp fhyj;Jf;Ff;fhyk; mwpKfg;gLj;jf;$ba NtWtifapdthd
tq;fpj;njhopy; my;yJ KjyPl;Lr; Nritfs;.
68.
VNjDk; rhjdj;jpd; gpwo;nraw;ghL my;yJ gOJ cl;gl> tq;fpapd; fl;Lg;ghl;Lf;F
mg;ghw;gl;l VNjDk; fhuzj;Jf;F> KOikahf my;yJ gFjpastpy;
Vw;wpf;$wg;glw;ghydthd vitNaDk; njhiyNgrp mwpTWj;Jjy;fis
epiwNtw;Wtjw;Fj; jtwpaik vjw;Fk;> tq;fp> fzf;F itj;jpUg;gtUf;Fg;
nghWg;ghjyhfhnjd;gJld;> tq;fp> me;jj; njhiyNgrp mwpTWj;Jjy;fis
epiwNtw;Wjy; rk;ge;jkhf my;yJ NtWtifahf vOfpd;w vitNaDk; Neubahd>
Neubay;yhj my;yJ tpisthe;jd;ikapdthd el;lq;fSf;Ff;
fzf;Fitj;jpUg;gtUf;F vr;#o;epiyfspd; fPOk; nghWg;GilajhjYkhfhJ@ mj;Jld;;>
tq;fpahdJ njhiyNgrp mwpTWj;Jjy;fis Vw;W mtw;wpd;kPJ
nrayhw;wpaikapypUe;J my;yJ nrayhw;wj; jtwpaikapypUe;J my;yJ mJ
rk;ge;jkhf NeubahfNth my;yJ Neubaw;w KiwapNyh vOe;jpUf;ff;$ba tof;Ffs;>
tof;F eltbf;iffs;> cupikf;Nfhupf;iffs;> el;lq;fs;> NrjtPLfs;>
nryTnjhiffs;> nryTfs; vd;gd vy;yhtw;Wf;nfjpuhfTk; fzf;F itj;jpUg;gth;
tq;fpf;F vy;yh Neuq;fspYk; ,og;ngjph;fhg;G toqFtJld;; mtw;wpypUe;J tq;fpf;Fj;
jPq;Ftpisahky; fhj;jYk; Ntz;Lk;.
69.
,jd;fz;Zs;s epajp epge;jidfisg; gpd;gw;wp njhiyNgrp mwpTWj;Jjy;fis
tpLg;gjw;Ff; fzf;F itj;jpUg;gtUf;Fs;s cupik> vy;yh Neuq;fspYk; tq;fpapd;
jw;Wzpgpw;fikatpUj;jy; Ntz;Lnkd;gJld;> tq;fpahdJ Kd;dwptpj;jypd;wp
mj;jifa cupikia ve;Neuj;jpYk; ,y;yhnjhopf;fyhk;.
njhiyNgrp my;yJ NtW mwpTWj;Jjy;fspd; Nehf;fj;Jf;fhf>
fzf;Fitj;jpUg;gtupd; fzf;fpy; kw;Wk;;/my;yJ fld; ml;ilf; fzf;fpy; Nghjpa
gzk; (my;yJ Kd;Ndw;ghL nra;ag;gl;l fld; trjpfs;) ,Ug;gjidf; fzf;F
itj;jpUg;gtu; cWjpg;gLj;Jjy; Ntz;Lk;. mj;jifa Nghjhik vt;thwpUg;gpDk;>
62
tq;fp mjd; jdpj; jw;Wzpgpd; Nghpy; mwpTWj;Jjy;fis epiwNtw;Wtjw;F KbT
nra;jhy;> VNjDk; jtWif fhuzkhf vof;$ba vitNaDk; tpisTfSf;F tq;fp
nghWg;ghfhJ. fzf;F itj;jpUg;gtuplkpUe;J Kd;dq;fPfhuj;ij ehlhky; my;yJ
mtUf;F mwptpj;jy; nfhLf;fhky; tq;fp mt;thW nra;ayhnkd;gJld;> fzf;F
itj;jpUg;gtu;> mjd; %yk; cUthf;fg;gl;l Nkyjpfg;gw;W> Kw;gzk; my;yJ fld;
vd;gtw;Wf;Fk; njhlu;Ggl;l vy;yh tpjpg;gdTfSf;Fk; nghWg;ghftpUj;jYk; Ntz;Lk;.
Nkyjpfg;gw;W> Kw;gzk; fld; vd;gd tq;fp mjd; jw;Wzpgpd;gb jPu;khdpf;ff;$ba
mj;jifa tl;b tPjq;fSf;F cl;gLk; vd;gJld; mj;jifa fzf;FfSf;F
Vw;Gilajhd tq;fpapd; toikahd epajp epge;jidfspdhYk; MSif nra;ag;gLk;.
70.
miog;G epiyaj;jpD}lhfg; gjpT nra;ag;gl;l NritfSf;fhf tq;fpahdJ
toikahd ,Wg;gdit tpjpf;Fk;.
71.
tq;fp mjd; jdpj; jw;Wzpgpy; jFjpahdnjdf; fUJfpd;wthwhff; fhyj;Jf;Ff;fhyk;
Nritf; fl;lzq;fis kw;Wk;/my;yJ Vida tpjpg;gdTfis tpjpg;gjw;fhd
chpikiaf; nfhz;Ls;sJ. ,e;j mwtPLfis vLj;Jf;fhl;Lk; ,Wg;gdTfs; gl;bay;
www.hsbc.lk vd;w tq;fpapd; tiyj;jsk; kw;Wk;/my;yJ tq;fpapd; fpisfspYs;s
mwptpj;jy; gyiffspy; ghh;itf;F itf;fg;gLk;.
72.
tq;fp mjd; jdpj; jw;Wzpgpd;gb jFjpahdnjdf; fUJfpd;wthwhff; fhyj;Jf;Ff;
fhyk;> Nritapd; Nehf;nfy;iyia> Nrit ,Wg;gdit kw;Wk; ,jd;fz;Zs;s epajp
epge;jidfSs; vtw;iwAk; ePf;Ftjw;fhd my;yJ NtWgLj;Jtjw;fhd my;yJ
vijNaDk;; Nru;g;gjw;fhd cupikiaf; nfhz;Ls;sJ. jpUj;jg;gl;l epajp
epge;jidfis my;yJ njhlu;Ggl;l ,Wg;gdTg; gl;bay; www.hsbc.lk vd;w tq;fpapd;
tiyj;jsk; kw;Wk;/my;yJ tq;fpapd; fpisfspYs;s mwptpj;jy; gyiffspy;
ghh;itf;F itf;fg;gLtjd; %yk; mj;jifa khw;wq;fs; gw;wpa mwptpj;jy;; fzf;F
itj;jpUg;gth;fSf;F toq;fg;gLk;.
63
73.
fzf;F itj;jpUg;gtupd; fzf;Ffs; njhlu;ghfj; njhiyNgrp %yk; ngwg;gl;l
Ntz;LNfhs;fspd; (“jfty;”) mbg;gilapy; fhyj;Jf;Ff; fhyk; jfty; toq;Ftjw;F
my;yJ gzj;ijg; ghpkhw;Wtjw;F tq;fp cld;gLk;NghJ. mj;jifa jftiy
ehLfpd;w my;yJ mj;jifa ghpkhw;w mwpTWj;Jjiy tpLf;fpd;w Mspd;
(“miog;gtu;”) Msilahsj;ijr; rupghu;g;gjw;F tq;fpf;F KbahjpUf;Fnkd;gijf;
fzf;F itj;jpUg;gtu; KOikahf mwpe;Jnfhz;L> gpd;tUkhW epge;jidapd;wp
mwpf;ifapl;L mjid Vw;Wf;nfhs;fpwhh;: [
a. tq;fpahdJ> mj;jifa mwpTWj;Jjy;fs; fzf;F itj;jpUg;gtupdhy;
tpLf;fg;gl;Ls;sdntd;w Cfj;jpd; kPJk; ek;gpf;ifapd; kPJk; mjd; jdpj;
jw;Wzpgpd; Nghpy;> mj;jifa jftiyf; nfhLg;gjw;F my;yJ fzf;F
itj;jpUg;gtupd; fzf;fpypUe;J fzf;F itj;jpUg;gtupd; NtnwhU fzf;Ff;F/
fSf;F kl;LNk ghpkhw;wj;ijr;; nra;tjw;F ,j;jhy; mjpfhukspf;fg;gLfpd;wJ.
mjd; tpisthf Neubahf my;yJ Neubaw;w Kiwapy; Vw;glf;$ba VNjDk;
el;lj;Jf;fhf my;yJ Nrjj;Jf;fhf> ghuJ}ukhd mrl;ilapd;wpAk;
ey;nyz;zj;Jld; nraw;gl;bUf;Fk; gl;rj;jpy;
b. tq;fpahdJ miog;gtupd; ek;gfj;jd;ikiar; rupghu;g;gjw;F epahakhd
eltbf;iffis vLj;jy; Ntz;Lk;> Mdhy; njhiyNgrp %yk; ngwg;gl;l
Ntz;LNfhs;fisg; gpd;gw;wp Nkw;nfhs;sg;gl;ll VNjDk; nraYf;fhf
tq;fpahdJ> ghuJ}ukhd mrl;ilapd;wpAk; ey;nyz;zj;Jld; nraw;gl;bUf;Fk;
gl;rj;jpy; fzf;F itj;jpUg;gtUf;F my;yJ NtnwhU jug;gpw;F
vk;KiwapNyDk; nghWg;ghspahfhJ.
c. tq;fpapdhy; mj;jifa jfty; toq;fg;gLtjid my;yJ epjpfs;
ifkhw;wg;gLtjidg; gpd;gw;wp vtNuDk; jug;gpduhy;; tq;fpf;nfjpuhff;
nfhzuf;$ba> my;yJ tq;fpapdhy; Gupag;gl;l VNjDk; nray;> fUkk;
my;yJ fhupak; vd;gtw;wpypUe;J Neubahf my;yJ Neubaw;w Kiwapy;;
tq;fpapdhy; cwg;glf;$ba tof;Ffs;> tof;F eltbf;iffs;>
cupikf;Nfhupf;iffs;> el;lq;fs;> NrjtPLfs;> nryTnjhiffs; kw;Wk;
nryTfs; Mfpa vy;yhtw;Wf;nfjpuhfTk; vy;yh Neuq;fspYk; tq;fpf;F
,og;ngjph;fhg;G toq;Ftjw;Fk; mjidj; jPq;fpypUe;J fhg;gjw;Fk; fzf;F
itj;jpUg;gtu; cld;gl;L nghWg;Ngw;fpd;whu;.
64
d. tq;fpahdJ ghuJ}ukhd mrl;ilapd;wpAk; ey;nyz;zj;Jld; nraw;gl;bUf;Fk;
gl;rj;jpy;> tq;fpapdhy; fzf;F itj;jpUg;gtUf;Fr; nra;ag;gl;l vitNaDk;
ifkhw;Wjy;fs; my;yJ nfhLf;fg;gl;l VNjDk; jfty; njhlu;gpy; my;yJ
vt;thwhapDk; vOfpd;w mjd; tpisthd Neubahf my;yJ Neubaw;w
Kiwapy;; vOfpd;w VNjDk; el;lk; my;yJ Nrjk; njhlu;gpy; tq;fpf;nfjpuhf
vj;jifadTkhd cupikf;Nfhupf;iffs; vtw;iwAk; fzf;F itj;jpUg;gtu;
nfhz;bUj;jyhfhnjdf; fzf;F itj;jpUg;gtu; cld;gLfpd;whu;.
tq;fpapd; ghj;jpa kw;Wk; vjpuPl;L chpik 74.
ghjpg;G ,y;yhkYk; VNjDk; fzf;fpd; Nghpy; gpizapd; %yk; tq;fp nfhz;bUf;Fk;
VNjDk; nghJg; ghj;jpak;> vjphPl;L chpik my;yJ NtNwJk; chpikf;F
NkyjpfkhfTk;> tq;fpahdJ ve;j Neuj;jpYk; Kd;dwptpj;jypd;wp gpd;tUtdtw;iwr;
nra;a KbAk; vd;gijf; fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;:
a) fzf;F itj;jpUg;gtupd; ngaupy; jdpahf my;yJ NtnwhU egUld; $l;lhf
VNjDk; fzf;fpd; my;yJ NtNwNjDk; fzf;fpd; tutpw;F VNjDk;
ehzaj;jpy; itj;jpUf;fg;gl;l vitNaDk; gzj;ij (“nrhy;yg;gl;l gzk;”)>
cs;sgbahd> vjpu;ghuhj> jw;Nghija my;yJ vjpu;fhy kw;Wk;; jdpahf
my;yJ NtnwhU egUld; $l;lhf fzf;F itj;jpUg;gth; nfhz;Ls;s VNjDk;
fld;ghl;Lf;nfjpuhf (“nrhy;yg;gl;l fld;ghL”) (mj;jifa gad;ghL> VNjDk;
itg;gpd; Kjpu;Tj; Njjpf;F Kd;du; mjid ,ilKwpg;gjidj;
Njitg;gLj;jpdhYq;$l) gad;gLj;jyhk;@ kw;Wk;;/my;yJ
b) Nfhug;gLk;NghJ my;yJ fzf;F itj;jpUg;gtUf;Fr; nrhy;yg;gl;l gzj;jpy;;
vitAk; tUkjpahf tUk;NghJ my;yJ nrhy;yg;gl;l fld;ghL nghUj;jkhd
Neuj;jpy; nrhy;yg;gl;l gzj;jpw;Fr;; rkkhftpUf;Fk; my;yJ tpQ;Rk; msTf;F
mjid kPsr; nrYj;j kWf;fyhk;.
75.
fzf;F itj;jpUg;gthpd; kuzk; my;yJ rl;l ,ayhikapdhy; tq;fpapd; chpikfs;
ghjpf;fg;gl khl;lh.
65
epajpr;rl;l Kiwahd ntspg;gLj;Jif/ghpth;j;jidf; fl;Lg;ghl;L
xOq;Ftpjpfs;
76.
cs;ehl;L ,iwthpj; jpizf;fsj;jpdhy; Njitg;gLj;jg;gl;lthW fzf;F
itj;jpUg;gtu; fzf;if Muk;gpf;Fk; gbtj;jpy; mtuJ tup me;j];J gw;wpa
epajpr;rl;l Kiwahd ntspg;gLj;Jifia epug;Gjy; Ntz;Lk;. tl;bf; nfhLg;gdTfs;
kPjhd ,ilepWj;jp itf;fg;gl;l tup> cs;ehl;L ,iwthpj; jpizf;fsj;jpdhy;
tpjpf;fg;gl;l tPjj;jpy; my;yJ tPjq;fspy; rk;ge;jg;gl;l fhyg;gFjpf;Fr;;
nrYj;jg;glw;ghyjhd tl;bapypUe;J tq;fpapdhy; fopf;fg;gLk;.
77.
,jd;fz; mlq;fpAs;s rfy epajp epge;jidfSk;> ghpth;j;jidf; fl;Lg;ghl;Lr;
rl;lj;jpd; Vw;ghLfSf;F my;yJ fhyj;Jf;Ff; fhyk; mjd; fPo; nfhz;Ltug;gl;l
vitNaDk; gpukhzq;fSf;F mike;jdthf ,Uf;Fk;.
ntspehl;L HSBC Premier Nritfs;
78.
jpl;lj;jpd; fPo; fzf;Ffs; itj;jpUg;gtu; mDgtpf;ff;$ba rpwg;gk;rq;fs;>
tq;fpapdhy; kl;Lky;yhJ ,yq;ifapYk; ,yq;iff;F ntspNaAKs;s Vida HSBC
FOk mq;fj;jth;fspdhYk; Kidag;gl;l fzf;Ffs;> Nritfs;> ntFkjpfs;>
ed;ikfs;> rpwg;Gupikfs; kw;Wk; mit Nghd;wtw;iw cs;slf; fyhk;. mit
tq;fpj;njhopYld; njhlu;Ggl;litahf my;yJ njhlu;Gglhjitahf ,Uf;fyhk;.
mj;Jld; tq;fp kw;Wk;;/my;yJ HSBC FOk mq;fj;jth;fs; fhyj;Jf;Ff; fhyk;
jPu;khdpf;Fk; gpufhuk;> Neubahf tq;fpapdhYk; HSBC FOk mq;fj;jth;fspdhYk;
my;yJ mtu;fspdhy; ngau; Fwpf;fg;gl;l %d;whk; jug;gpduhYk;; mit
(“rpwg;gk;rq;fs;”) toq;fg;glyhk;.
66
79.
fzf;F itj;jpUg;gtu;> tq;fpapdhYk; HSBC FOkj;jpd; Vida cWg;gpdu;fspdhYk;
Kidag;gl;l Fwpj;j rpy rpwg;gk;rq;fis mDgtpg;gjw;F chpj;Jilatuh my;yth
vd;gij Muha;e;J> fzf;F itj;jpUg;gtu; ,r; rpwg;gk;rq;fis mDgtpg;gjw;Fj;
jFjpAilatuhf ,Uf;Fk; gl;rj;jpy;> fzf;F itj;jpUg;gtUf;F mj;jifa
rpwg;gk;rq;fis tq;fpAk; HSBC FOk mq;fj;jth;fSk;; toq;Ftjid
,ayr;nra;tjw;F tq;fpf;Fk;; HSBC FOkj;jpd; Vida mq;fj;jth;fSf;Fk;
trjpaspf;Fk; tifapy;> fzf;F itj;jpUg;gtu; rk;ge;jkhf tq;fpapdhy; kw;Wk;
HSBC FOk mq;fj;jth;fspdhy;; itj;jpUf;fg;gLk; my;yJ ngwg;gl;l (fld;
Fwpg;gPl;L Kftu; epiyaq;fsplkpUe;J ngwg;gl;litAk; cl;gLk;) jdpg;gl;l juTfs;
NtW fld; jfty;fs;> fzf;F itj;jpUg;gth; kw;Wk; mtuJ fzf;Ffs; njhlu;ghd
vy;yhj; jfty;fisAk; gfpu;tjw;F tq;fpf;Fk; ,e;j HSBC FOk mq;fj;jth;fSf;Fk;
fzf;F itj;jpUg;gth; KOikahd mjpfhuj;ij toq;Ffpwhh;. tq;fpf;Fk; vy;yh
HSBC FOk mq;fj;jth;fSf;Fkhd (fPNo Fwpg;gplg;gl;Ls;sthW) tq;fpf; fld;fs;
kw;Wk; gpujhd fld;fs; njhlu;ghd jftiy> tiuaiwapd;wp cl;gLj;jp> ,r;
rpwg;gk;rq;fis mtu;fs; toq;FtJ rk;ge;jkhf mtrpankd mtu;fs; fUJk;; fzf;F
itj;jpUg;gtu; njhlu;ghd vy;yhj; jfty;fisAk; (rk;ge;jg;gl;l
epahahjpf;fj;jpDs;Nsh mjw;FntspapNyh kw;Wk; HSBC FOkj;jpDs;Nsh mjw;F
ntspapNyh) gad;gLj;Jtjw;Fk; fsQ;rpag;gLj;Jtjw;Fk; eilKiwg;gLj;Jtjw;Fk;
ntsptpLtjw;Fk;> gfph;e;Jnfhs;tjw;Fk; NkYk; mjpfhukspf;fpd;whu;.
80.
HSBC FOkj;jpd; Vida mq;fj;jth;fspdhy; fzf;F itj;jpUg;gtUf;F toq;fg;gLk;
rpwg;gk;rq;fs;> tq;fp my;yJ HSBC FOkj;jpd; kw;WnkhU mq;fj;jth; NtW
tifahfj; jPu;khdpj;jhnyhopa> vy;yh Neuq;fspYk; fzf;F itj;jpUg;gtu;
tq;fpapdhy; (my;yJ Vw;Gilajhapd;> HSBC FOkj;jpd;; kw;WnkhU mq;fj;jthpdhy;)
jpl;lk; Fwpj;njhJf;fg;gl;ltuhfTk; mjidg; NgZgtuhfTk; ,Uf;f Ntz;lnkd;w
epge;jidf;F cl;gLk;. ,r; rpwg;gk;rq;fSs;; xt;nthd;Wk;> tq;fpapdhy;
kw;Wk;/my;yJ HSBC FOkj;jpd; nghUj;jkhd mq;fj;jthpdhy; Fwpj;jpiuf;fg;gl;l
Fwpj;jrpy epajp epge;jidfSf;F cl;gLk; vd;gijf; fzf;F itj;jpUg;gtu;
Vw;Wf;nfhs;tJld; mjdhy; gpzpf;fg;gLtjw;Fk; cld;gLfpd;whu;.
67
81.
tq;fpapdhy; toq;fg;gl;l jpl;lk;> fzf;F itj;jpUg;gtUf;F VNjDk; tq;fpj;njhopy;
my;yJ fld; trjpapd; Kidit cs;slf;Fkplj;J> mj;jifa tq;fpj;njhopy;
my;yJ fld;trjpfs; tUkjpahfTk; nrYj;jg;glw;ghydthfTk; tUfpd;wNghJ
(“tq;fpf;fld;fs;”) mtw;iwj; jpUg;gpf;nfhLg;gjw;fhd flg;ghLfspy; fzf;F
itj;jpUg;gtu; jtWif GupAk; gl;rj;jpy;> tq;fpahdJ gpd;tUtdtw;iwr; nra;a
KbAk; vd;gijf; fzf;F itj;jpUg;gth; Vw;Wf;nfhz;L> mjw;F mjpfhukspf;fpd;whu;:
a) tq;fpf;fhfTk; tq;fpapd; rhu;gpYk; HSBC mq;fj;jth; tq;fpf; fld;fisr;
Nrfhpf;fyhk;.
b) fzf;F itj;jpUg;gtuplkpUe;J tUkjpahfTs;s VNjDk; epYitahd my;yJ
fhyq;fle;j njhifiaAk; tq;fpapd; ngaupy; fzf;F itj;jpUg;gtupdhy;
nfhLf;fg;gl;l VNjDk; ,og;gPl;ilAk; Nrfhpg;gjw;F> Nrfhpg;G Kfth;(fs;)
my;yJ %d;whk; jug;gpdiuj; njhopYf;fku;j;j HSBC mq;fj;jtUf;Fs;s
cupik vy;yh Nehf;fq;fSf;fhfTk; tq;fpf; fld;fisAk; cs;slf;Fk;.
c) tq;fpahdJ ve;Neuj;jpYk; fhyj;Jf;Ff; fhyKk; tq;fpf; fld;fspd;
KOj;njhifia my;yJ mjpnyhU gFjpia (gFjpfis) HSBC
mq;fj;jtUf;Fr; rhh;ghff; Fwpj;jspf;fyhk;.
d) HSBC mq;fj;jth;; mjd; ngaupyhd tq;fpf; fld;fspd; xU Fwpj;jspj;jiy
Vw;Wf;nfhs;syhnkd;gJld;> mjw;Ff; Fwpj;jspf;fg;gl;l mj;jifa tq;fpf;
fld;fs; njhlu;gpy; mjd; vjpuPl;L chpikiaAk; gpuNahfpf;fyhk;@
e) nghUj;jkhd vy;yhr; rl;lq;fspdhYk; xOq;FtpjpfspdhYk; mDkjpf;fg;gl;l
msTf;F> tq;fpf; fld;fspd; VNjDk; Fwpj;jspj;jYk; mj;jifa
Fwpj;jspf;fg;gl;l fld;fSf;nfjpuhf vjpuPl;Lupikiag; gpuNahfpg;gjw;F HSBC
mq;fj;jtUf;Fs;s cupikfs;; njhlu;ghf fzf;F itj;jpUg;gth; jdf;Fs;s
vy;yh cupikfisAk; js;Sgb nra;fpd;whu;.
68
f) tq;fpf; fld;fis kPl;gjpy;; cwg;gl;l epahakhd rl;lf; fl;lzq;fs;>
kw;Wk; NtW fl;lzq;fs;> tpjpg;gdTfs; kw;Wk; nryTfs; vd;gtw;iw
tiuaiwapd;wp cl;gLj;jp> tq;fpf; fld;fspd; tpisthd my;yJ
mtw;wpypUe;J vOfpd;w Neubahf my;yJ Neubaw;w Kiwapy; tq;fpAk; HSBC
mq;fj;jtUk; cw;wpUe;j my;yJ mile;jpUe;j fl;lzq;fs;> tpjpg;gdTfs;>
el;lk;> nryTfs; vd;gtw;Wf;Fk; ,t; thrfk; 81 Vw;Gilajhjy; Ntz;Lk;.
82.
tq;fp jtpu;e;j HSBC mq;fj;jth; xUthpdhy; (“HSBC mq;fj;jth;”) toq;fg;gl;l
jpl;lk; fzf;F itj;jpUg;gtUf;F VNjDk; tq;fpj;njhopy; my;yJ fld; trjpapd;
Kidit cs;slf;Fkplj;J> mj;jifa tq;fpj;njhopy; my;yJ fld;trjpfs;
tUkjpahfTk; nrYj;jg;glw;ghydthfTk; tUfpd;wNghJ (“tq;fpf;fld;fs;”) mtw;iwj;
jpUg;gpf;nfhLg;gjw;fhd flg;ghLfspy; fzf;F itj;jpUg;gtu; jtWif GupAk;
gl;rj;jpy;> fzf;F itj;jpUg;gth; gpd;tUk; eltbf;iffis Vw;Wf;nfhz;L> mjw;F
mjpfhukspf;fpd;whu;:
a) tq;fpahdJ> HSBC mq;fj;jtUf;fhfTk; mthpd; rhh;gpYk; tq;fpf; fld;fisr;
Nrfhpf;fyhk;.
b) fzf;F itj;jpUg;gtuplkpUe;J tUkjpahfTs;s VNjDk; epYitahd my;yJ
fhyq;fle;j njhifiaAk; tq;fpapd; ngaupy; fzf;F itj;jpUg;gtupdhy;
nfhLf;fg;gl;l VNjDk; ,og;gPl;ilAk; Nrfhpg;gjw;F> Nrfhpg;G Kfth;(fs;)
my;yJ %d;whk; jug;gpdiuj; njhopYf;fku;j;j tq;fpf;Fs;s cupik vy;yh
Nehf;fq;fSf;fhfTk; HSBC mq;fj;jthpd; fld;fisAk; cs;slf;Fk;.
c) HSBC mq;fj;jth;> ve;Neuj;jpYk; fhyj;Jf;Ff; fhyKk; mq;fj;jth; fld;fspd;
KOj;njhifia my;yJ mjpnyhU gFjpia (gFjpfis) tq;fpf;Fr; rhh;ghff;
Fwpj;jspf;fyhk;.
d) tq;fpahdJ mjd; ngaupyhd mq;fj;jth; fld;fspd; xU Fwpj;jspj;jiy
Vw;Wf;nfhs;syhnkd;gJld;> Fwpj;jspf;fg;gl;l mj;jifa mq;fj;jth; fld;fs;
njhlu;gpy; mjd; vjpuPl;L chpikiaAk; gpuNahfpf;fyhk;.
69
e) nghUj;jkhd vy;yhr; rl;lq;fspdhYk; xOq;FtpjpfspdhYk; mDkjpf;fg;gl;l
msTf;F> tq;fpf; fld;fspd; VNjDk; Fwpj;jspj;jYk; mj;jifa
Fwpj;jspf;fg;gl;l fld;fSf;nfjpuhf vjpuPl;Lupikiag; gpuNahfpf;f tq;fpf;Fs;s
cupikfs;; njhlu;ghf fzf;F itj;jpUg;gtu; jdf;Fs;s vy;yh
cupikfisAk; js;Sgb nra;fpd;whu;.
f) tq;fpf; fld;fis kPl;gjpy;; cwg;gl;l epahakhd rl;lf; fl;lzq;fs;> kw;Wk;
NtW fl;lzq;fs;> tpjpg;gdTfs; kw;Wk; nryTfs; vd;gtw;iw tiuaiwapd;wp
cl;gLj;jp> tq;fpf; fld;fspd; tpisthd my;yJ mtw;wpypUe;J vOfpd;w
Neubahf my;yJ Neubaw;w Kiwapy; tq;fpAk; HSBC mq;fj;jtUk;
cw;wpUe;j my;yJ mile;jpUe;j fl;lzq;fs;> tpjpg;gdTfs;> el;lk;>
nryTfs; vd;gtw;Wf;Fk; ,t; thrfk; 82 Vw;Gilajhjy; Ntz;Lk;.
83.
tq;fp cs;spl;l HSBC FOk mq;fj;jth; xUthpdhy; toq;fg;gLk; rpwg;gk;rk;>
vitNaDk; tq;fpj;njhopy; my;yJ fld; trjpfSf;fhd Kidit
cs;slf;Fkplj;J> fzf;F itj;jpUg;gtu;> mj;jifa trjpfSs; xd;W my;yJ
mjw;FNkw;gl;lit njhlu;gpy; mtupdhy; VNjDk; jtWif Gupag;gbd;> FOkj;jpd;
mq;fj;jth; vtUk; my;yJ vy;NyhUk;> mtu;fspdhy; Kidag;gl;l vitNaDk;
my;yJ vy;yhr; rpwg;gk;rq;fisAk; kPsg;ngw> ,ilepWj;j> ,uj;Jr;nra;a> KbTWj;j
my;yJ NtWgLj;j KbAnkd;gij fzf;F itj;jpUg;gth; tpsq;fpf;nfhz;L> mjw;F
cld;gLfpd;whu;. ,jd; tpisthff; fzf;F itj;jpUg;gtu;> kw;wtw;Wf;fpilapy;>
cau;thd tl;btPjq;fs;> fl;lzq;fs;> tpjpg;gdTfs; kw;Wk; nryTnjhiffisr;
nrYj;Jtjw;F Neuplyhk;@ mj;Jld;> fzf;F itj;jpUg;gtupdhy; cwg;gl;l mj;jifa
mjpfupj;j tl;bfs;;> fl;lzq;fs;> tpjpg;gdTfs; kw;Wk; nryTfs; vd;gtw;Wf;Fk;>
fzf;F itj;jpUg;gtu; mjd; %yk; mike;jtuhfTs;s NtnwitNaDk; (Gjpa
my;yJ Nru;f;fg;gl;l) flg;ghLfSf;Fk; nghWg;GfSf;Fk; HSBC FOk mq;fj;jth;
vtUk; vj;jifs #o;epiyfspYk; nghWg;ghspahf khl;lhh;fs;.
84.
tq;fpf;Nfh HSBC FOkj;jpd; vtNuDk; mq;fj;jtUf;Nfh> fzf;F itj;jpUg;gtupdhy;
nrYj;jg;gl Ntz;ba VNjDk; gzj; njhifapypUe;J VNjDk; fopg;gdit my;yJ
gpbj;Jitj;jiyr; nra;tjw;F (HSBC FOk mq;fj;Jth; xUthpdhy; toq;fg;gl;l
70
rpwg;G trjpnahd;W ve;j epahahjpf;fj;jpy; mDgtpf;fg;gLfpwNjh me;j
epahahjpf;fj;jpYs;s rl;lq;fSk; xOq;FtpjpfSk; cl;ggl) vitNaDk; Vw;Gila
rl;lq;fspdhy; my;yJ xOq;Ftpjpfspdhy; fzf;F itj;jpUg;gtu;
Njitg;gLj;jg;gbd;> mf; fopg;gdT my;yJ gpbj;Jitj;jy; njhlu;gpyhd nghWg;G>
mj;jifa fopg;gdT my;yJ gpbj;Jitj;jy; nra;ag;gl;l gpd;du;> Njwpa nfhLg;gdT>
mj;jifa fopg;gdT my;yJ gpbj;Jitj;jy; vJTk; nra;ag;gl;buhjpUg;gpd;> tq;fp
my;yJ mj;jifa NtW HSBC FOk mq;fj;jth; ngw;wpUf;ff;$ba njhiff;Fr;
rkkhftpUj;jy; Ntz;Lk;. nghUj;jkhd fhy vy;iyapDs; nghUj;jkhd
mjpfhupf;F mj;jifa fopg;gdT my;yJ gpbj;Jitj;jYf;fhd nfhLg;gditr;
nra;tJ fzf;F itj;jpUg;gtupd; jdpg; nghWg;ghjy; Ntz;Lk. fzf;F itj;jpUg;gtu;
mt;thW nra;aj; jtWtjhy; Vw;glf;$ba vy;yh tpisTfSf;fhfTk; fzf;F
itj;jpUg;gtu; tq;fpf;Fk; HSBC FOkj;jpd; Vida mq;fj;jth;fSf;Fk;
,og;ngjph;fhg;G toq;f; Ntz;Lk;.
85.
,jd;fz; mlq;fpAs;s vy;yh epajp epge;jidfSk; ehzag; ghpth;j;jid
fl;Lg;ghl;Lr; rl;lj;jpd; Vw;ghLfSf;Fk;> mjd; fPo; fhyj;Jf;Ff; fhyk;
nfhz;Ltug;gLk; vitNaDk; gpukhzq;fSf;Fk; mike;jdthf ,Uf;Fk;.
86.
,yj;jpudpay; %ykhd tq;fpf; nfhLf;fy; thq;fy;fisr; nraw;gLj;Jtjw;fhf xU
fzf;Fld; Global View Access trjp ,izf;fg;gl;bUf;Fkhapd;> me;j
trjpapd; ghtidahdJ tq;fpapd; Global View trjpf;fhff; Fwpj;Jiuf;fg;gl;l
tpjpfs; kw;Wk; epge;jidfSf;F cl;gLk;. ,e;j tpjpfs; kw;Wk; epge;jidfspd;
gpujpfis tq;fpapd; ve;jnthU fpisapYk; Nfl;Lg; ngwyhk;. my;yJ tq;fpapd;
,izaj;jsj;jpYk; ghh;itaplyhk;. Global View Access trjpiaf;
nfhz;Ls;s fzf;F itj;jpUg;gth; me;j tpjpfs; kw;Wk; epge;jidfis ,e;j
tpjpfs; kw;Wk; epge;jidfSld; Nrh;j;J thrpf;f Ntz;Lk;.
71
fzf;F itj;jpUg;gth; Global View %yk; Nkw;nfhs;Sk;; nfhLf;fy; thq;fy;fs;
fhuzkhf VNjDk; rh;r;ir Vw;gLkhapd; tq;fp mjid tprhhpf;Fk;. tq;fpf;Fj;
jpUg;jpaspf;Fk; Kiwapy; NtW tpjkhf ep&gpf;fg;glhtpl;lhy;> ,e;j topapy;
Nkw;nfhs;sg;gl;l VNjDk; nfhLf;fy; thq;fYf;F fzf;F itj;jpUg;gtNu
nghWg;ghspahthh;.
nghJ
87.
a) tq;fp nfhz;LbUf;ff;$ba VNjDk; chpikfSf;F Kuzhfhj tifapy;> ,e;j
tpjpfs; kw;Wk; epge;jidfSf;F mikthf my;yJ NtNwJk; Kiwapy;>
tq;fpapdhy; fzf;F itg;ghsUf;F/itg;ghsh;fSf;F toq;fg;gLk; VNjDk;
tq;fpr; Nritfs; ahTk; fl;lzq;fs;> fpuaq;fs;> mwtPLfs;> tl;b kw;Wk;
tq;fpapdhy; cwg;gLk; nghUj;jkhd kw;NwJk; nryTfSf;F cl;gLk;
vd;gijf; fzf;F itg;ghs;/fs;) Vw;Wf;nfhs;fpwhh;/Vw;Wf;nfhs;fpd;wdh;.
b) tq;fpf; nfhLf;fy; thq;fy;fspd; ,uj;Jr;nra;if> ntspehl;L ehzakhw;W
rhh;e;j tq;fp trjpfs; kw;Wk; Nritfspd; ,uj;Jr;nra;if kw;Wk;/my;yJ
jpUj;jk; kw;Wk;/my;yJ ,ul;bg;G> tl;b tPjq;fs;> gz;lq;fs; my;yJ VNjDk;
mDkjpf;fg;gl;l nrhj;J tiffs; njhlh;ghd VNjDk; fhuzk; njhlh;gpy;
tq;fpapdhy; cwg;gLk; kw;Wk;/my;yJ fzf;F itg;ghshpdhy;/
itg;ghsh;fspdhy; tq;fpf;Fr; nrYj;jg;gl Ntz;ba VNjDk; fl;lzq;fs;>
fpuaq;fs;> mwtPLfs;> tl;b kw;Wk; NtW nryTfs; ahTk;> rk;ge;jg;gl;l tq;fp
trjpfs; kw;Wk; Nritfspd; jd;ikiaf; fUjhkYk;> nfhLf;fy; thq;fy;
Kiwiaf; fUjhkYk;> ve;j Neuj;jpYk; Kd;dwptpj;jy; ,y;yhkNy> fzf;F
itg;ghsh;/fs;) tq;fpapy; itj;jpUf;Fk; fzf;fpy;/ fzf;Ffspy;
gw;Witf;fg;gLk; vd;gijAk; fzf;F itg;ghsh;/fs;) Vw;Wf;nfhs;fpd;wdh;.
72
88.
ehdhtpj nghJ Vw;ghLfs; i. Nrfupf;Fk; Kftu; - fzf;F itj;jpUg;gtuplkpUe;J tUkjpahftpUf;Fk;
vitNaDk; epYitfis my;yJ fhyq;fle;j njhiffisr; Nrfupg;gjw;F
tq;fp %d;whk; jug;gpdiuj; njhopYf;fku;j;jyhk;. mj;jifa epYitahfTs;s
my;yJ fhyq;fle;j njhifia mwtpLtjpy; cwg;gl;l nryT
njhiffSf;fhfTk; (rl;lf; fl;lzq;fs; cl;gl) nryTfSf;fhfTk; fzf;F
itj;jpUg;gtu; tq;fpf;F ,og;ngjph;fhg;G toq;f Ntz;Lk;.
ii. xypg; gjpT - Nritfis toq;Fk; nraw;ghl;bd;NghJ> mj;jifa Nritfs;
njhlu;ghff; fzf;F itj;jpUg;gtuplkpUe;J ngwg;gl;l tha;nkhop%y
mwpTWj;Jjy;fis kw;Wk;/my;yJ fzf;F itj;jpUg;gtUf;Fk; tq;fpf;Fk;
(my;yJ mjd; KftUf;Fk;) ,ilNaahd VNjDk; tha;nkhop%y
ciuahly;fis xypg;gjpT nra;Ak; Njit tq;fpf;F (my;yJ mjd;
KftUf;F) Vw;glyhk; (Mdhy; mt;thW nra;a Ntz;Lnkd;w flg;ghL
fpilahJ).
iii. tpyf;fspg;GfSk; gupfhuq;fSk; - ,jd; fPohd VNjDk; cupikia>
jj;Jtj;ij my;yJ rpwg;Gupikiag; gpuNahfpg;gjpy; tq;fpapd; VNjDk;
jtWif my;yJ jhkjk; mjd; tpyf;fspg;ghff; nfhs;sg;glyhfhJ.
mj;Jld;> VNjDk; jdpahd my;yJ gFjpastpyhd gpuNahfk;> mjd;
NtNwNjDk; gpuNahfj;ij my;yJ NtNwNjDk; cupikapd;> jj;Jtj;jpd;
my;yJ rpwg;Gupikapd; gpuNahfj;ijj; jilnra;aTk; khl;lhJ. ,jd;fz;
tq;fpf;F toq;fg;gl;l vitNaDk; gupfhuq;fs;> NtNwNjDk; gupfhuj;Jf;Fg;
GwePq;fyhdjhf ,Uf;fhJ. xt;nthU gupfhuKk; jpuz;ljhfTk;> epajpr;rl;lj;jpd;
%yk; my;yJ NtW tifahf ,jd;fPo; nfhLf;fg;gl;l my;yJ ,g;NghJ
my;yJ ,jd; gpd;du; rl;lj;jpy; my;yJ xg;Gutpy; csjhAs;s NtW xt;nthU
gupfhuj;Jf;Fk; NkyjpfkhdjhfTk; ,Uf;Fk;.
iv. gFjpastpyhd nry;Ygbapd;ik - ,q;Fs;s VNjDk; Vw;ghL>
Vw;Gilaw;ghyjhd VNjDk; rl;lj;jpd; fPo; rl;ltpNuhjkhdJ> nry;Ygbaw;wJ
my;yJ mKyhf;f Kbahjnjd vd mwpf;ifaplg;gl;lhy; my;yJ
jPu;g;gspf;fg;gl;lhy;> mj;jifa rl;ltpNuhjj; jd;ik> nry;Ygbaw;w jd;ik
my;yJ mKyhf;fj; jd;ik> Vida Vw;ghLfs; vtw;iwAk; ghjpf;fhJ.
73
v. tq;fpapd; fl;Lg;ghl;Lf;F mg;ghw;gl;l jtWjy; - tq;fpahdJ> mjd;
fl;Lg;ghl;Lf;F mg;ghw;gl;l vitNaDk; fhuzq;fspd; tpisthf (Neubahf
my;yJ Neubahfty;yhky;) ,jd; fPohd VNjDk; Nritia toq;Ftjw;fhd
my;yJ VNjDk; flg;ghl;il <Lnra;tjw;fhd VNjDk; jtWjYf;F my;yJ
jhkjj;jpw;Fg; nghWg;ghspahfhJ.
vi. Kftiu epakpj;jy; - tq;fpahdJ> ,jd; fPOs;s mjd; flg;ghLfSs;
vtw;iwAk; epiwNtw;Wtjw;F vtNuDk; Kftiu> Nrit toq;Feiu my;yJ
cg xge;jf;fhuiu epakpf;fyhk;.
vii. tq;fpapdhyhd rhl;Ljy; - tq;fp> ve;Neuj;jpYk;> ,jd; fPohd mjd; cupikfs;
kw;Wk; flg;ghLfSs; vtw;iwAk; my;yJ vy;yhtw;iwAk;> fzf;F
itj;jpUg;gtupd; cld;ghbd;wp vtNuDkhSf;Fr; rhl;Ljy; nra;ayhk; my;yJ
ifkhw;wyhk;.
viii. milahs Kj;jpiu Kjypad fhzhkw;Nghjy; - Msilahs Mtzk;>
,yr;rpid my;yJ Nritfspd; gad;ghL njhlu;gpy; tq;fpf;F
mwpTWj;Jjy;fis toq;Ftjw;Fg; gad;gLj;jg;gLk; mDkjpg;gj;jpuk;
fhzhkw;NghFk; gl;rj;jpy;> fzf;F itj;jpUg;gtu; cldbahf tq;fpf;F
vOj;jpy; mwptpj;jy; Ntz;Lk;. mj;jifa vOj;jpyhd mwptpj;jy; fpilg;gjw;F
Kd;dh; nra;ag;gl;l VNjDk; nfhLg;gdTf;F tq;fp nghWg;ghfhJ.
ix. jw;NghJs;s itg;Gj; njhifia mjpfhpf;Fk; nghUl;L NkYnkhU njhifAld;
Nrh;j;J kPs KjyPL nra;Ak; Nehf;fk; cs;spl;l VNjDk; fhuzj;jpw;fhf
Kjph;r;rpf;F Kd;Ng itg;Gj; njhif kPsg; ngwg;gLkhapd;> mjw;fhfTk; jz;lf;
fl;lzk; mwtplg;gLk;. tq;fp jdJ jw;Wzpgpd; Nghpy; jPh;khdpf;Fk; ,j; jz;lf;
fl;lzk; Muk;g itj;Gj; njhifapypUe;J fopf;fg;glyhk; vd;gjhy;> Muk;g
itg;Gj; njhifapy; FiwT Vw;glf;$Lk;.
74
89.
vy;yhf; fzf;FfSf;Fkhd tpguf;$w;Wf;fs;> cWjpr;rPl;Lf;fs;> kPsg;ngWjy;/itg;Gr;
rPl;Lfs;> fhNrhiyfs; my;yJ NtNwNjDk; nfhLf;fy; thq;fy; gjpNtLfs;
vd;gtw;wpd; gpujpfis 7 Mz;Lf; fhyg;gFjpf;F kl;LNk tq;fp itj;jpUf;Fk;.
mj;jifa vy;yhg; gjpNtLfSk; 7 Mz;LfSf;Fg; gpd;du; mopf;fg;gLnkd;gJld;>
tpguf;$w;Wf;fspd; my;yJ nfhLf;fy; thq;fy; gjpNtLfspd; gpujpfis 7
Mz;LfSf;Fg; gpd;du; toq;Ftjw;fhd VNjDk; nghWg;ig my;yJ
nghWg;Gilikia tq;fp Vw;fTk; khl;lhJ.
90.
jpl;lj;jpd; fPo; toq;fg;gl;l tq;fp trjpfs; kw;Wk; NritfisAk; ,q;F
njhptf;fg;gl;Ls;s my;yJ rk;ge;jg;gl;l tq;fp trjpfs; kw;Wk; Nritfs; njhlh;ghd
epajp epge;jidfisAk;> KOikahf my;yJ gFjpastpy;> vjidAk; Nru;g;gjw;F>
Neh;khw;wk; nra;tjw;F> jpUj;Jtjw;F my;yJ ,uj;Jr;nra;tjw;F tq;fp chpik
nfhz;Ls;sJ. mj;jifa VNjDk; Nrh;g;G> Neh;khw;wk;> jpUj;jk;> ,uj;Jr;nra;if
my;yJ VNjDk; khw;wq;fs; fbjk;> tpguf;$w;Wld; ,izf;fg;gLk; jfty;>
fpisfspYs;s mwptpj;jy; gyiffspy; ghh;itf;F itf;fg;gLk; tpsk;guk; my;yJ
www.hsbc.lk vd;w tq;fpapd; tiyj;jsk; %yk; fzf;F itj;jpUg;gtupd;
ftdj;jpw;Ff; nfhz;Ltug;gLk;. mt;thW ftdj;jpw;Ff; nfhz;Ltug;gl;l fhyj;jpypUe;J
mj;jifa khw;wq;fs; fzf;F itj;jpUg;gtiug; gpzpf;Fk;.
91.
jpl;lk; njhlh;ghf tq;fpf;F toq;fg;gl;lrf jfty;fSk; fzf;F itj;jpUg;gthpd;
mwpTf;nfl;ba tiu rhpahdit vd;gijf; ffzf;F itj;jpUg;gth;
cWjpg;gLj;Jfpwhh;. mtw;wpy; VNjDk; khw;wq;fs;> Fwpg;ghf fzf;F itj;jpUg;gthpd;
Kfthpapy;; khw;wk;> Vw;gLkhapd; fzf;F itj;jpUg;gth; cldbahf mJ gw;wp
tq;fpf;F mwptpf;f Ntz;Lk;.
75
92.
thbf;ifahsu; njhlu;ghd fzf;Fj; jfty; cl;gl;l rfy juTfSk; tq;fpapd;
mjpfhukspf;fg;gl;l MszpapdupdJk;> mjd; jiyikaYtyfj;jpdJk;> HSBC apd;
fpisa mtyfq;fspdJk;> HSBC FOkj;jpd;; Vida mq;fj;jth;fs;/,iz
mq;fj;jth;fspdJk;; my;yJ vtNuDk; juT nra;Kiwg;gLj;jw; Nrit
toq;FeupdJk; my;yJ fzf;Ffs; gw;wpa tpguf;$w;iw mr;rpl;L mQ;rypypLtjw;fhf
tq;fpapdhy; <LgLj;jg;gl;l vtNuDkhspdJk; my;yJ tq;fp mjd; mYty;fspd;
rhjhuz njhopw;ghl;bw;F mtrpankdf; fUJk; Nritfis toq;Fjy;> mr;rpLjy;
my;yJ NtNwJk; xj;j Nritfspd; nghWg;ig ve;j MSf;F mspf;fpd;wNjh me;j
vtNuDk; MspdJk; mgpg;gpuhaj;jpy;> epUthf kw;Wk; cs;sff; fz;fhzpg;Gj
Njitg;ghLfSl;gl;l VNjDk; Nehf;fj;Jf;fhf mj;jifa mDg;Gif>
fsQ;rpag;gLj;Jif kw;Wk;;/my;yJ mZFif mtrpakhfTs;stplj;J> mtu;fspdhy;
mDg;gg;glyhk; kw;Wk;;/my;yJ VNjDk; ,lj;jpy; fsQ;rpag;gLj;jg;glyhk; my;yJ
itj;jpUf;fg;glyhk; kw;Wk; mZfg;glyhk; vd;gijf; fzf;F itj;jpUg;gth;
Vw;Wf;nfhz;L> mjw;F ,zq;Ffpd;whh;. vt;thwhapDk;> If;fpa ,uhr;rpaj;jpy;
Vw;Wf;nfhs;sg;gLk; rl;lk; my;yJ INuhg;gpa xd;wpag; gzpg;Giuapd; gpufhuk;>
,t;Ntw;ghl;bd; epajpfspd;gb fsQ;rpag;gLj;jg;gl;l juTfisg; ngWtjw;F fzf;F
itj;jpUg;gth; cupj;Jilatuhjy; Ntz;Lk;.
93.
(i) tq;fp> fhyj;Jf;Ff;fhyk;> ntt;NtW rpag;gk;rq;fisf; nfhz;l xU gbepyia
(my;yJ mjw;F Nkw;gl;l gbepiyfisg;) Fwpj;Jiuf;fyhk;. ,it> NtW
fzf;Ffspd; kPjhd mjpfupj;j Nritfs;> Kd;Dhpik epajpfs;> Kd;Dhpik
tl;b tPjq;fs; kw;Wk;;/my;yJ tpNrl Cf;Ftpg;Gfs; vd;gtw;iw
cs;slf;ff;$Lk;. tq;fpahdJ> fzf;F itj;jpUg;gtupd; Ntz;LNfhspd; Ngupy;
my;yJ tq;fpapd; jdpj; jw;Wzpgpd;gb elg;G HSBC Premier fzf;if
itj;jpUf;Fk; fzf;F itj;jpUg;gtUf;Fg; gbepiynahd;iwf;
Fwpj;njhJf;fyhk;. (Mdhy; mt;thW nra;tjw;fhd flg;ghL mjw;Ff;
fpilahJ). tq;fpahdJ fzf;F itj;jpUg;gtUf;Fg; gbepiynahd;iwf;
Fwpj;njhJf;Fkplj;J> tq;fp ve;Neuj;jpYk; fhyj;Jf;Ff; fhyKk;> fzf;F
itj;jpUg;gtupd; Ntz;LNfhspd;Ngupy; my;yJ jdJ jdpj; jw;Wzpgpd;gb>
gbepiyia NtWgLj;jyhk; my;yJ KOikahf kPsg;ngwyhk;. fzf;F
76
itj;jpUg;gtnuhUtUf;Fg; gbepiynahd;iwf; Fwpj;njhJf;Fjy; my;yJ
fzf;F itj;jpUg;gtnuhUtuplkpUe;J gbepiynahd;iw kPsg;ngWjy; my;yJ
mt;thW Fwpj;njhJf;fg;gl;l gbepiyia NtWgLj;Jjy;> fzf;F
itj;jpUg;gtupd; Ntz;LNfhspd; NgupyhapDQ;rup my;yJ tq;fpapd; jdpj;
jw;WzpgpyhapDQ;rup> tq;fpapd; ,Wjp KbTf;F mikthf> Kd;dNg
Fwpj;Jiuf;fg;gl;ll epe;jidfspd; mbg;gilapy; Nkw;nfhs;sg;gLk;.,e;j
epge;jidfs;> tiuaiwapd;wp> tq;fpapy; fzf;F itj;jpUg;gtupdhy;
itg;gpyplg;gl;l nrhj;Jf;fspd; ngWkjpia kw;Wk;;/my;yJ fzf;F
itj;jpUg;gtUf;Ff; fhyj;Jf;Ff; fhyk; tq;fpapdhy; toq;fg;gl;l fld;
trjpfspd; njhifia nghWj;jpUf;Fk; vd;gJld;> tq;fpapd; Kbtpd; ;Ngupyhd
khw;wq;fSf;F mikthfTk; ,Uf;Fk;. ,w;iwg;gLj;jg;gl;l epge;jidfs; kw;Wk;
gbepiyfs; rk;ge;jkhd Vida tpguq;fis Ntz;LNfhspd; Ngupy;
tq;fpaplkpUe;J ngw;Wf;nfhs;syhk;.
(ii) HSBC Premier fzf;Fj; njhlu;ghf tq;fpapdhy; fpilf;ff;
$badthf;fg;glf;$ba rpwg;Gf;$WfSk; tpjpf;fg;glf;$ba fl;lzq;fSk;
tpjpg;gdTfSk;> gbepiyf;Nfw;g NtWgLj;jg;glyhk;. mNj gbepiyapDs;>
fzf;Fitj;jpUg;gtu; mg; gbepiyf;fhf epyTfpd;w epge;jidfisj;
njhlu;e;Jk; jpUg;jp nra;fpd;whuhntd;gijf; Fwpg;gPL nra;tjd; %yKk; mJ
NtWgLj;jg;glyhk;. tq;fpahdJ> VNjDk; Neuj;jpYk; fhyj;Jf;Ff; fhyKk;
xt;nthU gbepiyapYKs;s rpwg;Gf;$Wfis NtWgLj;Jtjw;F chpik
nfhz;Ls;sJ.
(iii) xt;nthU gbepiyiaAk; NgZk; tifapYk; kw;Wk;;/my;yJ me;jg;
gbepiyapYs;s rpwg;Gf;$Wfisj; mDgtpf;Fk; tifapYk; fzf;F
itj;jpUg;gtu; epiwNtw;wNtz;ba epge;jidfspd; njhFjpia kw;Wk;;/my;yJ
epge;jidfis mg; gbepiy nfhz;bUf;fyhk;. xt;nthU rpwg;Gf;$Wk;> mr;
rpwg;Gf;$iwf; fzf;F itj;jpUg;gtu; gad;gLj;jp mDgtpg;gij MSfpd;w
Fwpj;j rpy epajp epge;jidfisAk; nfhz;bUf;fyhk;. thrfq;fs; 93(i) kw;Wk;
93(ii) vd;gtw;Wf;Fg; gq;fkpd;wp> xU gbepiyapd; Fwpj;njhJf;Fjiy my;yJ
NtWgLj;JjiyaLj;J mg; gbepiyiag; NgZtjw;fhf epyTfpd;w vy;yh
epge;jidfSk; kw;Wk;;/ my;yJ mg; gbepiyapYs;s rpwg;Gf;$Wfis
mDgtpg;gjw;fhd epajp epge;jidfs; KOikahfj; jpUg;jp nra;ag;gLtjid
77
kw;Wk;;/ my;yJ filg;gpbf;fg;gLtjid cWjpg;gLj;JtJ> fzf;F
itj;jpUg;gtupd; jdpg; nghWg;ghjy; Ntz;Lk;. vt;thwhapDk;> xU gbepiy
njhlu;gpy; epyTfpd;w vy;yhf; fl;lisf;fw;fisAk; fzf;F itj;jpUg;gtu;
epiwNtw;Wjy;> my;yJ epiwNtw;wj;; jtWjy; xU gbepiyiaf;
Fwpj;njhJf;Ftjpy;> NtWgLj;Jtjpy; my;yJ kPsg;ngWtjpy; tq;fpapd;
NkNyhq;fp epw;fpd;w cupikia vt;tifapYk; ghjpf;fhJ.
(iv) xU gbepiyiaf; Fwpj;njhJf;Ftjw;F> NtWgLj;Jtjw;F my;yJ
kPsg;ngWtjw;F tq;fp mjd; jw;Wzpigg; gpuNahfpf;fpd;wNghJ> mJ
epahakhditnadf; fUJk; toptiffisg; gad;gLj;JtJld;> mJgw;wpf;
fzf;F itj;jpUg;gtUf;Fk; mwptpf;Fk;. fzf;F itj;jpUg;gtu; mDgtpf;Fk;;
vy;yhr; rpwg;Gf;$WfSk;> tq;fp mjd; jdpj; jw;Wzpgpy; NtW tifahf
KbTnra;jhnyhopa> jd;dpaf;fkhfNt toq;fg;gLk;> KbTWj;jg;gLk; my;yJ
NtW tifapy; rPuhf;fg;gLk;. mJ rk;ge;jkhd VNjDk; Nkyjpfj; jftiy
toq;f Ntz;ba flg;ghL tq;fpf;Ff; fpilahJ.
(v) xU fzf;F itj;jpUg;gtUf;Ff; Fwpj;njhJf;fg;gl;l gbepiy
NtWgLj;jg;gl;ljidaLj;J> ,e;j epajp epge;jidfspd; nghUj;jkhd
Vw;ghLfSk; gbepiy NtWgLj;jg;gl;ljd; tpisthf KbTWj;jg;gl;l
vitNaDk; rpwg;Gf;$Wfspd; gad;ghl;il MSfpd;w NtW
epajpepge;jidfSk;> mj;jifa rpwg;Gf;$Wfs; njhlu;gpy; fzf;F
itj;jpUg;gtuplkpUe;J tq;fpf;F tUkjpahd vy;yhf; flg;ghLfSk;
nghWg;Gf;fSk; KOikahf kPsr;nrYj;jg;gl;Lj; jpUg;jp nra;ag;gLk;tiu
fzf;F itj;jpUg;gtiuj; njhlu;e;Jk; gpzpj;jy; Ntz;Lk;. ,e;j epajp
epge;jidfspd; nghUj;jkhd rfy Vw;ghLfSk;> gbepiy NtWgLj;jg;gl;ljd;
tpisthff; fzf;F itj;jpUg;gtu; mDgtpf;ff;$ba vitNaDk; Gjpa
my;yJ Nkyjpfr; rpwg;Gf;$Wfspd; gad;ghl;il MSfpd;w NtW epajp
epge;jidfSk;> fzf;F itj;jpUg;gtiug; gpzpg;gdthf cldbahf
eilKiwf;F tUjy; Ntz;Lk;.
78
(vi) fzf;F itj;jpUg;gtUf;F my;yJ fzf;F itj;jpUg;gtuplkpUe;J xU
gbepiyapd; VNjDk; Fwpj;njhJf;fypd; my;yJ kPsg;ngWjypd; tpisthf
my;yJ mt;thW Fwpj;njhJf;fg;gl;l gbepiyapyhd VNjDk; NtWghl;bd;
tpisthff; fzf;F itj;jpUg;gtupdhy; cwg;gl;l VNjDk; el;lj;Jf;F my;yJ
mtUf;Nfw;gl;l VNjDk; trjpaPdj;Jf;F tq;fpiag; nghWg;ghdjhf my;yJ
nghWg;Gilajhff; nfhs;sKbahJ. mJ rk;ge;jkhd vitNaDk;
rpwg;Gf;$Wfspd; mspg;G> KbTWj;Jif my;yJ rPu;nra;if vd;gtw;wpd;
tpisthff; fzf;F itj;jpUg;gtupdhy; cwg;gl;l VNjDk; el;lj;ijAk;
my;yJ mtUf;Nfw;gl;l VNjDk; trjpaPdKk; ,jpy; cs;slq;Fk;.
(vii) (nghUj;jkhapd;) fzf;F itj;jpUg;gtUf;Ff; Fwpj;njhJf;fg;gl;l gbepiyia
vLj;Jf;fhl;Ltjw;fhf fzf;F itj;jpUg;gtUf;F tq;fpapdhy; toq;fg;gl;l
VNjDk; ml;il my;yJ Msilahsk;> fzf;F itj;jpUg;gtupd; gbepiyia
kl;Lk; ,dq;fhz;gjid trjpg;gLj;Jtjw;fhFk;. ntspg;gilahd gpioiaj;
jtpu> tq;fpYs;s gjpNtLfNs> ve;Neuj;jpYk; fzf;F itj;jpUg;gtUf;Ff;
Fwpj;njhJf;fg;gl;l gbepiy gw;wpa Kbthd epiyikiaj; njhptpf;Fk;.
(viii) xU gbepiyia kPsg;ngWjy;> tq;fp NtW tifahff; Fwpj;Jiuj;jhnyhopa>
HSBC Premier fzf;fpd; gad;ghl;il my;yJ njhopw;ghl;ilj; jhdhfg;
ghjpj;jyhfhJ.
94.
2006Mk; Mz;bd; 5 Mk; ,yf;f gzk; J}a;jhf;fy; jLg;Gr; rl;lk; (PMLA)> 2006 Mk;
Mz;bd; 6Mk; ,yf;f> epjpf; nfhLf;fy; thq;fy;fis mwpf;ifapLjw; rl;lk; (FTRA)
vd;gtw;wpd; Vw;ghLfs;> mtw;Wld; njhlu;Ggl;l topfhl;Lnewpfs; kw;Wk; gzpg;Gf;fs;>
1988 Mk; Mz;bd; 30 Mk; ,yf;f> ,yq;if tq;fpj;njhopw; rl;lk;;> jpUj;jg;gl;lthwhd
1988 Mk; Mz;bd; 30 Mk; ,yf;fNkw;$wg;gl;l tq;fpj;njhopw; rl;lj;jpd; fPo; ,yq;if
kj;jpa tq;fpapd; ehzar;; rigapdhy; toq;fg;gl;l gzpg;Gf;fspd; Vw;ghLfs; kw;Wk;
mj;jifa rl;lj;jpd; epajpfspd;gb iftplg;gl;l nrhj;Jf;fs; njhlu;gpyhd
topfhl;Lnewpfs; kw;Wk; gzpg;Giufs; vd;gtw;wpw;F tq;fp ,zq;fpnahOFfpd;wJ
vd;gij thbf;ifahsu; tpsq;fpf; nfhs;fpd;whu;.
79
95.
NkNyAs;sit njhlu;ghfj; Njitg;gLj;jg;glf;$ba Vw;ghLfSf;Fk;> ,yq;ifapYs;s
cupkk;ngw;w tu;j;jf tq;fpnahd;wpd; njhopw;ghLfs; njhlu;ghd vy;yhr;
rl;lq;fSf;Fk;> gzpg;GfSf;Fk;> topfhl;LnewpfSf;Fk; tq;fp vy;yh NtisfspYk;
,zq;fpnahOFnkd;gij thbf;ifahsu; Vw;Wf;nfhs;fpwhh;.
96.
tq;fpahdJ> ,e;j epajp epge;jidfspd; Mq;fpy> rpq;fs gpujpfis tq;fpapd;
tiyj;jsj;jpy; (www.hsbc.lk) ghh;f;fyhk;. mtw;wpd; mr;rpl;l gpujpfis tq;fpapd;
vy;yh mYtyfq;fspYk; kw;Wk;;/my;yJ fpisaYtyfq;fspYk; Nfl;Lg; ngwyhk;.
,e;j epajp epge;jidfspd; Mq;fpy> rpq;fs> jkpo; ciufspy; VNjDk; xt;thik
fhzg;gLk; gl;rj;jpy; Mq;fpy ciuNa rhpahdjhf NkNyhq;fpepw;Fk; Ntz;Lnkd;gij
thbf;ifahsu; Vw;Wf;nfhz;L> mjw;F cld;gLfpd;whu;.
$l;Lf; fzf;Ffs ;
97.
fzf;F itj;jpUg;gtuhf mikfpd;w egh;fSs; vtNuDk; kuzkilAk; gl;rj;jpy;>
nrhy;yg;gl;l $l;Lf; fzf;fpy; tuthf cs;s gzk;; capUldpUf;Fk; fzf;F
itj;jpUg;gtUf;F my;yJ fzf;F itj;jpUg;gtu;fSf;F toq;fg;gLk;. njhopw;ghl;L
mwpTWj;jy;fSf;Nfw;g gzj;ij toq;fpajw;fhf ve;jnthU $l;Lf; fzf;F
itj;jpUg;gtUk; tq;fpiag; nghWg;ghspahf;f KbahJ.
fzf;F itj;jpUg;gth;fspy; vtNuDk; xUth; kuzkile;jik gw;wp tq;fpf;F
mwptpj;jy; fpilj;jJk;> tq;fpahdJ VNjDk; fzf;fpd; my;yJ fzf;Ffspy; tuthf
cs;s gzk; my;yJ tq;fpapdhy; itj;jpUf;fg;gLk;> gpizaq;fs;;> cWjpfs;>
Mtzq;fs; kw;Wk; Vida Mjdq;;fs; vy;yhtw;iwAk; capUld; ,Ug;gtUf;F
my;yJ ,Ug;gth;fSf;Fr; nrYj;Jtjd; %yk; my;yJ mtu;fSf;F my;yJ
mtu;fspd; fl;lisf;F xg;gilg;gjd; %yk; mjd; flg;ghLfspypUe;J KOikahf
tpLtpf;fg;gLnkd ehk; xt;nthUtUk; cld;gLfpNwhk;.
fzf;fpd; kPJ vt;thwhapDk; cwg;gl;l Nkyjpfg;gw;W my;yJ NtW flg;ghLfs;
vd;gtw;wpw;Ff; $l;Lf; fzf;F itg;ghsh;fs; $l;lhfTk; jdpj;jdpahfTk; nghWg;ghjy;
Ntz;Lk;.
80
Fwpg;gpl;l xU fzf;Fj; njhlu;ghf> $l;Lf; fzf;F itj;jpUg;gtu;fspy; vtNuDk;
xUtupdhy; my;yJ gyupdhy; (Mdhy; midtUk; my;y) xU fzf;F itg;ghshpd;
mjpfhuk; khw;wg;gbd; my;yJ ,uj;Jr;nra;ag;gbd;> tq;fpahdJ> mjd; jdpj;
jw;Wzpgpd; Nghpy;> nrhy;yg;gl;l mf; fzf;F mjd; gpd;du; vy;yhf; $l;Lf; fzf;F
itj;jpUg;NghupdhYk; $l;lhfj; njhopw;gLj;jg;gl Ntz;Lnkd Njitg;gLj;jf;$Lk;.
thbf;ifahsh; jfty;fspd; Nrfhpg;G> nraw;gLj;jy;> gfph;e;Jnfhs;sy;
Nrfhpg;G
98.
HSBCAk; HSBC FOkj;jpd; Vida mq;fj;jth;fSk; thbf;ifahsh; jfty;fis
(thbf;ifahsh;> thbf;ifahshpd; nfhLf;fy; thq;fy;fs;> thbf;ifahsh; gad;gLj;Jk;
HSBC tq;fp trjpfs; kw;Wk; Nritfs;> thbf;ifahsh; HSBC cld; nfhz;Ls;s
cwTfs;; gw;wpa nghUj;jkhd jfty;fSk; ,jpy; cs;slq;Fk;) Nrfhpf;f> gad;gLj;j
kw;Wk; gfph;e;Jnfhs;s KbAk;. thbf;ifahsh; jfty;fs; rk;ge;jg;gl;l
thbf;ifahshplkpUe;J (my;yJ mthpd; rhh;gpy; nraw;gLk; xUthplkpUe;J)
Nfhug;glyhk;. my;yJ ,j; jfty;fs; HSBCapdhy; my;yJ HSBCapd; rhh;gpy;
my;yJ HSBC FOk mq;fj;jth;fspdhy; NtW ,lq;fspypUe;J (gfpuq;fkhff;
fpilf;Fk; jfty;fSk; cl;gLk;) HSBCf;F my;yJ HSBC FOkj;jpd; VNjDnkhU
mq;fj;jtUf;Ff; fpilf;Fk; jfty;fspypUe;J cUthf;fg;glyhk; my;yJ
,izj;Jf;nfhs;sg;glyhk;.
nraw;gLj;jy;
99.
HSBC kw;Wk;/my;yJ HSBC FOkj;jpd; mq;fj;jth;fs; gpd;tUk; Nehf;fq;fs;
njhlh;gpy; thbf;ifahsh; jfty;fis nraw;gLj;jTk; ghpkhw;wk; nra;aTk;
ntspg;gLj;jTk; KbAk;: (a) Nritfis toq;Ftjw;fhfTk; thbf;ifahshpdhy;
Nfhug;gl;l my;yJ mjpfhukspf;fg;gl;l VNjDk; nfhLf;fy; thq;fy;fisr;
nra;tjw;fhf. (b) gzpe;njhOFjy; flg;ghLfis epiwNtw;Wtjw;fhf. (c) epjprhh;
Fw;w ,lh; Kfhik eltbf;iffis Nkw;nfhs;tjw;fhf. (d) thbf;ifahshplkpUe;J
fpilf;f Ntz;ba VNjDk; njhiffisr; Nrfhpg;gjw;fhf. (e) fld; jFjpiag;
ghpNrhjpj;J> fld; rpghhpirg; ngWtjw;fhf my;yJ toq;Ftjw;fhf. (f) HSBCapd;
81
my;yJ HSBC FOkj;jpd; chpikfis mKy; nra;tjw;fhf my;yJ
ghJfhg;gjw;fhf. (g) HSBCapd; my;yJ HSBC FOkj;jpd; cs;sfr; nraw;ghl;Lj;
NjitfSf;fhf (fld; kw;Wk; ,lh; Kfhik> mikg;G my;yJ jpl;lk; xd;wpd;
mgptpUj;jp kw;Wk; jpl;lkply;> fhg;GWjp> fzf;fha;T kw;Wk; eph;thf Nehf;fq;fSk;
cs;slq;Fk;). (h) thbf;ifahsUld; HSBC xl;Lnkhj;j cwTfisg; NgZtjw;fhf
(re;ijg;gLj;jy; my;yJ epjpr; Nritfspd; Cf;Ftpg;G my;yJ thbf;ifahsUf;fhd
njhlh;Gila tq;fp trjpfs;> re;ij Ma;T Nghd;wit).
gfph;e;Jnfhs;sy;
100.
HSBC (mjd; Nehf;fq;fSf;F mtrpankdTk; nghUj;jnkdTk; fUJk;)
thbf;ifahsh; jfty;fis gpd;tUk; ngWeh;fSf;F (mth;fSk; jkJ
Nehf;fq;fSf;fhf mj; jfty;fisr; nraw;gLj;jTk; ghpkhw;wk; nra;aTk;
ntspg;gLj;jTk; KbAk;) mDg;gTk; ntspg;gLj;jTk; KbAk; vd;gij thbf;ifahsh;
,r; Nritfisg; gad;gLj;Jtjd; %yk; Vw;Wf;nfhs;fpwhh;.
a. HSBC FOkj;jpd; VNjDnkhU mq;fj;jth;
b. vtNuDk; cg xg;ge;jfhuh;fs;> Kfth;fs;> Nrit toq;Feh;fs;. HSBC
FOkj;jpd ,izahspfs; (mth;fspd; Copah;fs;> gzpg;ghsh;fs; kw;Wk;
mjpfhhpfs;)
c. thbf;ifahshpd; rhh;gpy; nraw;gLgth;fs;> nfhLg;gditg; ngWgth;fs;>
gadilgth;fs;> fzf;F epakj;jh;fs;> ,ilaPl;lhsh;fs;> gpujpepjpj;Jt kw;Wk;
Kfth; tq;fpfs;> fpspahpq; epiyaq;fs;. fpspahpq; my;yJ jPh;;g;gdT
mikg;Gf;fs;> re;ijg; gq;fhspfs;> vjph;ePNuhl;l ,ilepWj;jy; Kftufq;fs;>
ghpkhw;w my;yJ th;j;jf itg;gfq;fs;> gq;Fg; ghpth;j;jidfs;>
thbf;ifahsUf;F mf;fiwAs;s gpizaq;fis nfhz;bUf;Fk;; fk;gdpfs;
(thbf;ifahsUf;fhf HSBCapdhy; gpizaq;fs; itf;fg;gl;bUf;Fk; ,lq;fs;).
d. Nritfspy; my;yJ Nritfs; mf;fiwiag; ngWk; my;yJ ,lh; nghWg;ig
Vw;Fk; jug;gpdh;
82
e. fld; rpghhpRfisg; ngWtjw;fhf my;yJ toq;Ftjw;fhf NtW epjp
epWtdq;fs;> fld; rpghhpR epiyaq;fs; my;yJ nfhLfld; jfty; gzpafk;
kw;Wk; fzf;fha;thsh;fs;/thp MNyhrfh;fs;
f. thbf;ifahsUf;F nrhj;J Kfhikr; Nritfis toq;Fk; vtNuDk; %d;whk;
jug;G epjp Kfhikahsh;
g. HSBCapdhy; mwpKfg;gLj;jy;fs; my;yJ rpghhpRfs; toq;fg;gLk;
mwpKfg;gLj;Jk; jufh;
h. HSBCapd; VNjDk; tpahghu ,lkhw;wk;> tpw;gid> xUq;fpizg;G my;yJ
RtPfhpg;G njhlh;gpy;
Nritfs; toq;fg;gLk; epahahjpf;fg; gpuNjrj;jpy; mKypYs;s juTg; ghJfhg;G
kl;lj;jpyhd juTg; ghJfhg;Gr; rl;lj;ijf; nfhz;buhj epahahjpf;fg;
gpuNjrq;fs; cl;gl midj;J ,lq;fspYk; Nkw;Fwpg;gpl;lit nry;YgbahFk;.
thbf;ifahsh; flg;ghLfs;
101.
fhyj;jpw;Ff; fhyKk; HSBC my;yJ HSBC FOkj;jpd; VNjDnkhU mq;fj;jth;
tpLj;j Ntz;LNfhspd; NghpYk; HSBCf;F my;yJ HSBC FOkj;jpd; VNjDnkhU
mq;fj;jtUf;F toq;fg;gl;l thbf;ifahsh; jfty;fspy; VNjDk; khw;wk; Vw;gbd;>
mjid cldbahf> my;yJ vt;thwhapDk; 30 jpdq;fSf;Fs;> vOj;J %yk;
HSBCf;F mwptpf;f thbf;ifahsh; ,zq;Ffpd;whh;.
102.
thbf;ifahsh; ,izf;fg;gl;l xU eghpd;/egh;fspd; jfty;fis (jdpg;gl;l tpguq;fs;
my;yJ thpj; jfty;fSk; cl;gLk;) HSBCf;F my;yJ HSBC FOkj;jpd;
VNjDnkhU mq;fj;jtUf;F toq;Ftjw;F Kd;> mj;jifa egUf;F/egh;fSf;F mJ
gw;wp mwptpj;J> ,e;j tpjpfs; kw;Wk; epge;jidfspy; njhptpf;fg;gl;Ls;sthW mj;
jfty;fspd; nraw;gLj;jy;> ntspg;gLj;jy; kw;Wk; ghpkhw;wj;jpw;fhd xg;Gjy;
ngwg;gl;Ls;sij Ch;[pjk; nra;a Ntz;Lk;.
83
,izf;fg;gl;l egh;fs; jkJ jdpg;gl;l jfty;fisg; ghprPypf;fTk; Ntz;Lkhdhy;
jpUj;jk; nra;aTk; chpik nfhz;Ls;shh;fs; vd;gij thbf;ifahsh; mth;fSf;Fj;
njhptpf;f Ntz;Lk;.
103.
gpd;tUk; rejh;g;gq;fspy;:
• HSBC epahakhd Kiwapy; NfhUk; thbf;ifahsh; jfty;fis toq;f xU
thbf;ifahsh; jtwpdhy;> my;yJ
• Fwpj;Jiuf;fg;gl;l Nehf;fq;fSf;fhf thbf;ifahsh; jfty;fisr; nraw;gLj;j>
ghpkhw;wk; nra;a my;yJ ntspg;gLj;j HSBCf;F Njitg;gLk; VNjDk;
rk;kjj;ij thbf;ifahsh; ,ilepWj;jpdhy; my;yJ thg]; ngw;why;> my;yJ
• epjprhh; Fw;wk; ,iof;fg;gLk; rhj;jpak; cs;snjd HSBC my;yJ HSBC
FOkj;jpd; VNjDnkhU mq;fj;jth; re;Njfpj;jhy; my;yJ epjprhh; Fw;w
,lUf;fhd tha;g;ig xU thbf;ifahsh; HSBC FOkj;jpd; mq;fj;jth;
xUtUf;Fr; rkh;g;gpj;jhy;>
HSBC MdJ:
a. thbf;ifahsUf;Fg; Gjpa Nritia toq;f my;yJ jw;Nghja Nritfspy;
midj;ijAk; my;yJ mjpnyhU gFjpiaj; njhlh;e;J toq;f KbahjpUf;Fk;.
thbf;ifahsUld; jdJ tpahghu cwTfis KbTWj;Jk; chpikAk; mjw;F
cz;L
b. flg;ghLfspd; mDrhpg;ig cWjpg;gLj;j HSBCf;F my;yJ HSBC FOkj;jpd;
VNjDnkhU mq;fj;jtUf;F mtrpakhd eltbf;iffis vLf;Fk;.
kw;Wk;;/my;yJ
c. thbf;ifahshpd; fzf;if (fzf;Ffis) jilnra;a> ,lk;khw;w my;yJ
%btpl eltbf;if vLf;Fk;.
84
juTfspd; ghJfhg;G
104.
thbf;ifahsh; jfty;fs; juTg; ghJfhg;G rl;lj;jpw;F mikthf cs;ehl;L
epahahjpf;fj;jpy; nraw;gLj;jg;gl;lhYk; ntspehl;by; nraw;gLj;jg;gl;lhYk;> HSBC
FOkj;jpd; mq;fj;Jt epWtdq;fs;> mtw;wpd; Copah;fs; kw;Wk; %d;whk; jug;gpdh;
filg;gpbf;f Ntz;ba fz;bg;ghd ,ufrpa FwpaPL kw;Wk; ghJfhg;G Vw;ghl;bd; %yk;
ghJfhf;fg;gLk;.
epjprhh; Fw;w ,lh; Kfhikj;Jt eltbf;iffs;
105.
epjprhh; Fw;wq;fspd; fz;Lgpbg;G> tprhuiz kw;Wk; jLg;G njhlh;ghd rl;lq;fs;>
gpukhzq;fs;. jilAj;juTfs;> rh;tNjr topfhl;Ljy;fs;> HSBC FOkj;jpd; cs;sff;
nfhs;iffSk; eilKiwfSk;> kw;Wk;/my;yJ VNjDk; mjpfhu rigfspd;
Nfhhpf;iffs; vd;gtw;wpw;Fg; gzpe;njhOFtjw;fhf HSBCAk; HSBC FOkj;jpd;
mq;fj;jth;fSk; nghUj;jnkdf; fUJk; VNjDk; eltbf;iffis (mtw;wpd; jdp
kw;Wk; g+uz RajPh;khdj;jpw;Nfw;g) vLf;f Ntz;Lk; vd;gJld; vLf;fTk; KbAk;
(“epjprhh; Fw;w ,lh; Kfhikj;Jt eltbf;iffs;”).
106.
mj;jifa eltbf;iffSs; (a) thbf;ifahshpdhy; my;yJ mthpd; rhh;gpy;
mDg;;;gg;gLk; my;yJ ngwg;gLk; VNjDk; mwpTWj;jy;> njhlh;ghly;> jpUk;gg; ngWk;
Ntz;LNfhs;> NritfSf;fhd tpz;zg;gk; my;yJ VNjDk; nfhLg;gditg;
ghpNrhjpj;jy;> ,ilkwpj;jy; kw;Wk; tprhhpj;jy;> (b) epjpfspd; %ytplk; my;yJ
mtw;wpd; cj;Njr ngWeh;fs; gw;wp tprhhpj;jy;> (c) thbf;ifahsh; jfty;fis HSBC
FOkj;jplkpUf;Fk; Vida njhlh;Gila jfty;fSld; ,izj;jy;> kw;Wk;/my;yJ (d)
rk;ge;jg;gl;l egh; my;yJ epWtdj;jpd; kPJ jilAj;juT cs;sjh vd;gij
mwptjw;fhf my;yJ thbf;ifahshpd; milahsk; kw;Wk; me;j];ij Ch;[pjk;
nra;tjw;fhf NkYk; tprhuizfis Nkw;nfhs;Sjy; vd;gd cs;slq;Fk;.
85
107.
epjprhh; Fw;w ,lh; Kfhik eltbf;iffis HSBC Nkw;nfhs;tjhy; VNjDk;
nfhLg;gdT nr;a;ag;gLjy; my;yJ fpspahpq; nra;ag;gLjy;> thbf;ifahshpd;
mwpTWj;jy;fs; my;yJ NritfSf;fhd tpz;zg;gq;fs; nraw;gLj;jg;gLjy; my;yJ;
my;yJ Nritfspd; KOikahd my;yJ gFjpahd toq;fy; vd;gd mg+h;tkhd
re;jh;g;gq;fspy; HSBCapdhy; jhkjpf;fg;glyhk;> jilnra;ag;glyhk; my;yJ
kWf;fg;glyhk;. epjprhh; Fw;w ,lh; Kfhik eltbf;iffs; Nkw;nfhs;sg;gLtjhy;
thbf;ifahsUf;F my;yJ %d;whk; jug;gpw;F KOikahf my;yJ gFjpastpy;
VNjDk; ,og;G Vw;gLkhapd;> mJ njhlh;gpy;> rl;lk; mDkjpf;F mstpw;F> HSBC
tq;fpNah my;yJ HSBC FOkj;jpd; mq;fj;jtNuh thbf;ifahsUf;F my;yJ
VNjDk; %d;whk; jug;gpw;F nghWg;ghspahfj; Njitapy;iy.
thp ,zf;fg;ghL 108.
thpf; flg;ghLfs; vOfpd;w rfy epahahjpf;fg; gpuNjrq;fspYk; vk;khy; my;yJ
HSBC FOkj;jpd; mq;fj;jth;fspdhy; toq;fg;gLk; fzf;fpd; (fzf;Ffspd;) my;yJ
Nritfspd; Muk;gk; kw;Wk; gad;gLj;jy; njhlh;gpYk; cq;fs; thpf; flg;ghLfis
Ghpe;Jnfhs;tJk; mtw;wpw;F ,zq;fp elg;gJk; KOf;f KOf;f cq;fs; nghWg;ghFk;
vd;gij ePq;fs; Vw;Wf;nfhs;fpwPh;fs; (thpfisr; nrYj;Jjy;> tUkhd thpg; gbtq;fs;
kw;Wk; nghUj;jkhd thpfs; njhlh;ghfj; Njitg;gLj;jg;gLk; Mtzq;fis epug;Gjy;
vd;gdTk; ,f; flg;ghLfspy; cs;slq;Fk;). xt;nthU ,izf;fg;gl;l egUk;> Xh;
,izf;fg;gl;l egh; vd;w Kiwapy; (mtuJ jdpg;gl;l Kiwapy; my;y) jdJ
tplaj;jpy; ,Nj xg;Gjiy toq;f Ntz;Lk;. ,izf;fg;gl;l eghpd; my;yJ cq;fspd;
thopl ehL> trpg;gplk;> gpuh[hThpik my;yJ $l;bizg;G vd;gtw;iwf;
fUj;jpw;nfLf;fhj> gpuNjr tiuaiwaw;w thpr; rl;lq;fisr; rpy ehLfs;
nfhz;bUf;fyhk;. ehNkh my;yJ HSBC FOkj;jpd; VNjDnkhU mq;fj;jtNuh thp
MNyhridfis toq;Ftjpy;iy. ePq;fs; RahjPd jug;gpdhplkpUe;J rl;l kw;Wk; thp
MNyhridfisg; ngw;Wf;nfhs;syhk;. ve;jnthU epahahjpf;fg; gpuNjrj;jpyhtJ
Vw;glf;$ba cq;fs; thpf; flg;ghLfs; njhlh;ghf vkf;Nfh my;yJ HSBC FOkj;jpd;
VNjDnkhU mq;fj;jtUf;Nfh vt;tpj nghWg;Gk; fpilahJ. Fwpg;ghf> vk;khy; my;yJ
HSBC FOkj;jpd; mq;fj;jth;fspdhy; toq;fg;gLk; fzf;fpd; (fzf;Ffspd;) my;yJ
Nritfspd; Muk;gk; kw;Wk; gad;gLj;jy; njhlh;gpy; Vw;gLfpd;w flg;ghLfSk;
86
,tw;wpy; mlq;Fk;.
ehdhtpj tplaq;fs;
109.
,e;j tpjpfSf;Fk; VNjDk; NtW Nrit> tq;fp trjp tpahghu cwT> fzf;F
my;yJ thbf;ifahsUf;Fk; HSBCf;Fk; ,ilapyhd xg;ge;jk; njhlh;ghd
tpjpfSf;FkpilNa fUj;J NtWghL my;yJ Kuz;ghL fhzg;gLkhapd;> ,e;j
tpjpfNs nghUj;jkhdjhf Nkyhjpf;fk; nrYj;Jk;. thbf;ifahsh; jfty;fs;
njhlh;gpy; thbf;ifahshplkpUe;J Vw;fsNt ngwg;gl;l VNjDk; rk;kjq;fs;>
mjpfhukspg;Gf;fs;> ,dhy; Nfhug;gl;l tpyf;fspg;Gf;fs; kw;Wk; mDkjpfs; ahTk;>
nghUj;jkhd cs;ehl;Lr; rl;lk; mDkjpf;Fk; mstpw;F g+uzkhf
eilKiwapypUf;Fk;.
110.
,e;j tpjpfspd; Vw;ghLfs; midj;Jk; my;yJ mtw;wpd; VNjDnkhU gFjp
VNjDnkhU epahahjpf;fg; gpuNjrj;jpd; rl;lj;jpd; fPo; rl;ltpNuhjkhdjhf> nry;Ygb
mw;wjhf my;yJ eilKiwg;gLj;j Kbahjjhf ,Ue;jhYk;> NtNwJk; epahahjpf;fg;
gpuNjrj;jpy; mj;jifa Vw;ghLfspJk; mNj epahahjpf;fg; gpuNjrj;jpy; vQ;rpAs;s
Vw;ghLfspdJk; rl;ltY> nry;YgbahFk; jd;ik> eilKiwg;gLj;Jk; jd;ik vd;gd
ghjpf;fg;gl khl;lh.
KbTWj;jypd; gpd;Gk; epiyj;jpUf;Fk; jd;ik
111.
thbf;ifahsUf;fhd VNjDk; Nritfspd; toq;fis HSBC my;yJ HSBC
FOkj;jpd; VNjDnkhU mq;fj;jth; KbTWj;jpdhYk; thbf;ifahshpd; VNjDk;
fzf;F %lg;gl;lhYk; mj;jifa KbTWj;Jifiag; nghUl;gLj;jhky;> ,e;j tpjpfs;
njhlh;e;J nry;YgbahFk;.
87
jpl;lj;ij KbTWj;Jjy;
112.
tq;fp my;yJ fzf;F itj;jpUg;gtu;> kw;iwa jug;gpw;F mjw;fhd mwptpj;jiy
vOj;jpy; toq;Ftjd; %yk; jpl;lj;jpd; gad;ghl;ilAk; tq;fpAldhd
cwTKiwiaAk; KbTWj;jyhk;. ,U topfspYk;> fzf;F itj;jpUg;gtu; jhkjNkh
my;yJ njhlh;e;J Nkw;nfhs;sg;gLk; Nfhupf;ifNah ,d;wp>
a) tq;fpapdhy; toq;fg;gl;l vy;yh ml;ilfisAk; fhNrhiyg; Gj;jfq;fisAk;
kPsspf;f Ntz;Lk;.
b) Nkyjpfg;gw;W trjpfs;> fld; ml;il(fs;) kw;Wk; NtW fld; trjpfs;
cl;gl (Mdhy; mtw;Wf;F tiuaWf;fg;glhky;) mtw;wpd; fPohd njhlu;Ggl;l
vy;yh tpjpg;gdTfSld; Nru;j;J (nfhLg;gdTf;fhf tq;fpf;F mg;NghJ
Kd;itf;fg;glhj vitNaDk; ,dq;fspd; njhifAl;gl) tq;fpf;F
epYitahfTs;s KOj;njhifiaAk; tq;fpf;Fr; nrYj;j Ntz;Lk;. mj;Jld;>
fzf;F itj;jpUg;gtu; mj;jifa KbTWj;Jifiag; nghUl;gLj;jhJ mjw;Fj;
njhlu;e;Jk; KOg; nghWg;Gilatuhf ,Uj;jy; Ntz;Lk;. fzf;F itj;jpUg;gtu;
kuzkilAk; my;yJ tq;FNuhj;Jepiyf;F cs;shFk; gl;rj;jpy;>
Nkw;Fwpg;gpl;ltw;wpd; nghJikapdhy; tiuaWf;fg;glhky;> mj;jifa vy;yhg;
gzj; njhiffSk; (Nkyjpf Nfhhpf;if vTTkpy;yhkNy) tUkjpahfTk;
cldbahfr; nrYj;jg;l Ntz;badthfTk;; ,Uf;Fk;.
113.
tq;fp my;yJ fzf;F itj;jpUg;gtu; jpl;lj;jpd; gad;ghl;il KbTWj;jp> jpl;lj;jpd;
fPo; toq;fg;gLk; ed;ikfs; ,y;yhky; jdJ fzf;if xU rhjhuzf; fzf;;fhfg;
NgZk; gl;rj;jpy;> fzf;F tq;fpAld; Ngzg;gLk; mj;jifa xt;nthU fzf;fpw;Fk;
nghJ epajp epge;jidfspdhy; gpzpf;fg;gLtjw;F cld;gLfpd;whu;.
88
tpjpg;gdTfs;
114.
jpl;lk; njhlu;ghf toq;fg;gl;l VNjDk; Nritf;fhf my;yJ vLf;fg;gl;l
eltbf;iff;fhf fzf;F itj;jpUg;gth; tq;fpf;F vy;yh epUthf> ifahSif>
Nrit> epjp my;yJ NtW tpjpg;gdTfisAk; nrYj;j Ntz;Lk;. mj;jifa
tpjpg;gdTfs; midj;Jk;> me;Nehf;fj;Jf;fhf tq;fp fhyj;Jf;Ff; fhyk;
tpjpj;Jiuf;fg;gLk; tPjq;fspy; mwtplg;gLk; mj;Jld;> mj;jifa vitNaDk;
tpjpg;gdTfs; fzf;F itj;jpUg;gthpd; Nghpy;; gw;Witf;fg;glyhk;. vy;yh tl;b
tPjq;fSk;> epUthf> Nrit> epjp kw;Wk; NtW tpjpg;gdTfSk; Kd;dwptpj;jypd;wp
khw;wg;glf;$Lk;.