LTPAD Implementation: Branch Assessment Report

7/31/2019 LTPAD Implementation: Branch Assessment Report

1/31

Wf|nw}0 Gwieka [vwtfx{

\wf|iwfm gx0 @ho OkKbfofe}{

]nziwm

Mftfbn|ofe}ibbx I||wn|whi}f [|ffm [ci}hej

Dnw [|ffm [ci}hej he Kieimi

Gi{fm ne }af B]IM Onmfb

Nk}ngfw 7


2/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7 / 9 KNOOVEHKI]HNE[ . FMVKI]HNE %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 1

HT% ZAI]> / 7 KNO\F]H]HNE []WVK]VWF%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 97

T% ZAI]> / ; / IK]HTH]HF[ IEM MH[]IEKF[ %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 96

TH% ANZ> / 9 / JNTFWEIEKF %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 7;

THH% ANZ> / 7 / \WNJWIO [V\\NW] %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 76

THHH% ANZ> / ; / GWIEKA KI\IKH]X ]N OICF KAIEJF[ %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% 7:

HQ% ANZ> / = / ]FKAENBNJX iem KNO\F]H]HNE ONMFB[0 %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%% ; 7 / \wnjwio [v||nw}0 ]af |wnjwio {v||nw} yvf{}hne{ dnkv{fm ne dvemhej iem wf|nw}hej ofkaieh{o{% Zahbf }afwf

iwf Gwiekaf{ }ai} kieen} ikkf{{ |wnthekhib nw }fwwh}nwhib dvem{ oiex kie iem aitf% H} h{ ho|nw}ie} }n en}f oiex Gwiekaf{ mhm

en} wf{|nem }n }ah{ yvf{}hne% H} h{ i knekfwe }ai} dvemhej h{ efh}afw itihbigbf enw i||bhfm dnw iem h} h{ wfknoofemfm }ai} [[K

{anvbm kne{hmfw zix{ }n i{{h{} }af Gwiekaf{ ikkf{{ dvem{%

Anz> ; / Gwieka Ki|ikh}x }n Oicf Kaiejf{0 Dnw [[K iem h}{ {}iemhej knooh}}ff{ }n |wnthmf bfimfw{ah| iem {f} |whnwh}hf{ h}

h{ kwvkhib }n gf iziwf nd }af dik}nw{ }ai} aitf dikhbh}i}fm kaiejf iem dik}nw{ }ai} bhoh} ho|bfofe}i}hne {}wi}fjhf{% ]af on{}he}fwf{}hej dhemhej afwf h{ }af mwioi}hk mhddfwfekf gf}zffe Gwiekaf{ zh}a iem zh}anv} {}idd% ]af dik}nw{ }ai} i{{h{}fm {}idd

Gwiekaf{ zfwf }af dik}nw{ }ai} bhoh}fm ene/{}idd Gwiekaf{% ]ah{ h{ en} i |wngbfo }ai} kie gf fi{hbx {nbtfm gv} }af

wfknoofemi}hne{ dnkv{ ne kne{hmfwi}hne nd }af{f }zn ki}fjnwhf{ nd Gwiekaf{ mhddfwfe}bx iem |wnik}htf ofi{vwf{ wfbi}fm }n

}af Gwieka ki|ikh}x%

Anz> = / ]fkaenbnjx iem Kno|f}h}hne Onmfb{0 ]af h{{vf nd }fkaenbnjx zi{ nebx hmfe}hdhfm nekf he }af {vwtfx{ gv} ofwh}fm

knoofe}% Mftfbn|ofe}ibbx i||wn|whi}f {ci}hej znvbm gfefdh} dwno i||wn|whi}f }fkaenbnjhkib iem }fkaehkib {v||nw} nd thigbf

ftfe} dnwoi}{% ]af wfknoofemi}hne{ wfjiwmhej }ah{ dik}nw dnkv{ ne tiwhigbf ftfe} onmfb }ai} iwf {v||nw}fm gx {vh}igbf

}fkaenbnjx%

]af wf|nw} zi{ tfwx i{{fw}htf zh}a wfknoofemi}hne{ iem aim en hbbv{hne{ nd }afhw thighbh}x% ]af wf|nw} iem }af

wfknoofemi}hne{ iwf he}femfm }n {}hovbi}f mh{kv{{hne iem |wno|} ik}hne%


5/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7 iem zan> yvf{}hne{%9

Zax iem Zan> h{ }af wi}hneibf dnw mftfbn|ofe}ibbx i||wn|whi}f {|nw}% ]af efq} {}f| }n oicf {|nw} mftfbn|ofe}ibbx

i||wn|whi}f wfyvhwf{ }af immh}hne nd }af Zai}> }n oicf }af {fknem {}ijf }af Zai} iem Anz> [[K i{ ie nwjiehpi}hne

kbfiwbx immwf{{fm0 Zan iem Zax> i} }af 7

Anzftfw" h} h{ ho|nw}ie} }n en}f he }af |whekh|bf{ }af Zan> hekbvmf{ ibb |iw}hkh|ie}{ he {|ffm {ci}hej hekbvmhej {ci}fw{"

knikaf{" nddhkhib{" |iwfe}{ iem tnbve}ffw{%

]ah{ Gwieka dnkv{fm wf|nw} h{ nef nd }awff bftfb{ nd {vwtfx{0 9( [[K Knooh}}ff{" 7( Gwiekaf{ iem ;( Kbvg{ fddnw}{ }n ontf

}nziwm mftfbn|ofe}ibbx i||wn|whi}f {|ffm {ci}hej% ]af wf|nw} {vooiwhpf{ wf{|ne{f{ }n {vwtfx{ nd }af fqfkv}htf mhwfk}nw{"

|wf{hmfe}{ iem }fkaehkib wf|wf{fe}i}htf{ nd fika Gwieka% I {ho|bf mf{kwh|}hne nd |wnjwio `vwh{mhk}hne{ h{0

[[K h{ wf{|ne{hgbf dnw fbh}f |wnjwio{" ei}hneib ftfe}{ iem gi{hk |wnjwio {v||nw}{" Gwiekaf{ iwf wf{|ne{hgbf dnw |wnjwio{ }ai} bfim }n ei}hneib kaio|hne{ah|{ iem fbh}f {ci}hej iem dikhbh}i}f kbvg

mftfbn|ofe}ib |wnjwio{

Kbvg{ |wnthmf }af mftfbn|ofe}ibbx i||wn|whi}f {|ffm {ci}hej }n }af oi`nwh}x nd }af |iw}hkh|ie}{ !i}abf}f{" knikaf{"nddhkhib{" |iwfe}{ iem tnbve}ffw{(%

9Gi{fgibb Kieimi Bnej ]fwo I}abf}f Mftfbn|ofe}|1

7[[K Wikhej ne [ci}f{I||femhq 9 [|ffm [ci}hej Kieimi{ Jvhmhej \whekh|bf{ dnw Kno|f}h}hne{ iem Ftfe}{ |64/49


6/31


7/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7


8/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7 / 9KNOOVEHKI]HNE[ . FMVKI]HNEI kwh}hkib |iw} nd |wnjwio kaiejf h{ knoovehki}hne iem fmvki}hne% \wnjwio kaiejf{ }icf |fn|bf izix dwno }af knodnw}igbf

nbm zix iem nddfw ie vecenze efz |wnjwio% ]af dnbc{ hetnbtfm he i |wnjwio iwf }afwf gfkiv{f }afx bhcfm h} i{ h} zi{%

Fddfk}htf |wnjwio kaiejf{ !}af Zai}> Iem Anz>( {anvbm gf gi{fm ne i {nvem wi}hneibf !}af Zan> Iem Zax>(%

Knoovehki}hne wfjiwmhej gn}a }af wi}hneibf iem }af kaiejf{ }afo{fbtf{ iwf kwh}hkib% He |iw}hkvbiw h} h{ ho|nw}ie} }n

knoovehki}f !iem fmvki}f( zh}a ftfwxnef f{|fkhibbx }af bnej {}iemhej ofogfw{ iem fq|fw} tnbve}ffw{% ]af {vwtfx

hetf{}hji}fm }af oi`nw {}icfanbmfw jwnv|{0 kbvg{" |iwfe}{" knikaf{ iem nddhkhib{ i{ zfbb i{ anz }afx knoovehki}fm%

Gwiekaf{ wf|nw}fm i jwfi} mfib nd knooh}ofe} }n knoovehki}hej mftfbn|ofe}ibbx i||wn|whi}f {|ffm {ci}hej% 87& wf|nw}fm

knoovehki}hej zh}a kbvg{ !]igbf K9(" 61& zh}a knikaf{ !]igbf K7(" 16& zh}a |iwfe}{ !]igbf K;( iem ::& zh}a nddhkhib{ !]igbf

K=(% ]af knoofe}{ i||femfm }n ]igbf{ K9/= mfone{}wi}f }af oiex i||wnikaf{ iem {}wi}fjhf{ fo|bnxfm gx }af Gwiekaf{%

]af{f hekbvmfm off}hej{ i} ibb bftfb{" mh{}whgv}hne nd oi}fwhib{" ofe}nwhej" {f{{hne{ i} kno|f}h}hne{ iem kio|" {|fkhib

{foheiw{" dnkv{fm zfg {h}f hednwoi}hne iem znwm nd onv}a%

]af Gwiekaf{ zh}a {}idd jfefwibbx wf|nw}fm ahjafw |fwkfe}ijf{ zh}a 9 iem he }af zwh}fw{ fq|fwhfekf dnkv{ ne }ai} he {anw} off}hej{% ]afwf h{ ie i{{vo|}hne }ai} }af Zan iem

Zax> h{ vemfw{}nnm% ]ah{ i{{vo|}hne oix en} ibzix{ gf }wvf% [[K ai{ i wf{|ne{hghbh}x }n knoovehki}f }af zan iem

zax> iem }n dikhbh}i}f |wnjwio kaiejf%

7% [[K mftfbn| i }fo|bi}f nd hednwoi}hne dnw Gwiekaf{ iem Kbvg{ }ai} afb|{ Kbvg{ knoovehki}f }af Zan iem Zax


9/31


!\wf{hmfe} Y;( En [}idd [}idd ]n}ib

Xf{ 1;& 9


10/31


Ibb wfkfhtfm kn|x nd B]\IM Mh{kv{{hne{ afbm i} knika off}hej{% Kbhehk{ zh}a ofe}nw knikaf{ Gwieka [voofw Kio|{ iem ibb n}afw Gwieka zffcfem Kio|{ ! ofe}nwhej( Knikaf{ wf}wfi} Knikahej [foheiw i} Gwieka Bnej ]wikc Kio| Knikahej [foheiw{ i} kio|{ zafwf B]\IM zi{ dnkv{ Gwieka Knikahej [foheiw Kno|f}h}hne Knikahej gnq mh{kv{{hne{ wfbi}fm }n wikhej mftfbn|ofe} wfbi}fm }n {ci}fw{ ighbh}x $ }fkaehkib mftfbn|ofe} Jvf{} knikaf{ iem {|ficfw{ [foheiw kntfwhej B]\IM he Enw}afwe Wfjhne zafwf kbvg knikaf{ dwno wfjhne |iw}hkh|i}fm Ofe}nw{ah| he }af Knikaf{ Gnq Gwieka i}abf}f mftfbn|ofe} iem Gwieka knikahej mftfbn|ofe} knooh}}ff{ dffmgikc }n kbvg{ thi kbvg wf|{ Gwieka zfg {h}f hednwoi}hne }n jn }n [[K zfg{h}f ! oihebx dhem xnvw Fmjf gnnc( Gwieka Knika }witfb{ wfjhne wfbi}hej kbvg mftfbn|ofe} }n i||wn|whi}f }wihehej $ }fkaehkib imtiekf{ i} tiwhnv{ {chbb bftfb{%

Knoofe}{ bhecfm }n ]igbf K ; Mhm xnvw Gwieka immwf{{ mftfbn|ofe}ibbx i||wn|whi}f {|ffm {ci}hej zh}a \iwfe}{> [nof |iwfe}{ zfwf knekfwefm }ai} }afx mne} cenz zai} bftfb }afhw kahbmwfe {anvbm gf {ci}hej i}% Zf mh{kv{{fm }ai} dhw{}

h} {anvbm gf dve iem }afe }afx zhbb mftfbn| i} }afhw nze |ikf% On{} ijwff }ai} }afx mne } zie} }n |v{a }af chm{ }nn di{}%

Zf aim i |iwfe} off}hej i} }af gfjheehej nd }af {fi{ne }n fq|bihe }af efz B]\IM iem ie{zfwfm iex yvf{}hne{ }ai}kiof v| mvwhej }af xfiw

{aiwfm B]IM hedn B]IM wikf{ zfwf {}iw}fm iem |n{}fw oimf }n immwf{{ }af efz wikf{ dnw fika ijf ki}fjnwx En mhwfk} knoovehki}hne% Mnef }awnvja zfg{h}f iem i} Ieevib Off}hej nd Kbvg Wf|{% Aim n|fe hednwoi}hne off}hej{ i} ibb kbvg{ dnw |iwfe}{ iem {ci}fw{ Nebx }awnvja znwm nd onv}a Znwcfm zh}a knikaf{ i{ igntf iem afbm hednwoi}hne {f{{hne dnw |iwfe}{ i} off}{ mvwhej }af {fi{ne

Knoofe}{ bhecfm }n ]igbf K = Mhm xnvw Gwieka immwf{{ mftfbn|ofe}ibbx i||wn|whi}f {|ffm {ci}hej zh}a Gwieka Nddhkhib{>

[}iw}fm }n ho|bfofe} B]IM i||wn|whi}f wikf{ Kbiwhdhf{ nwhfe}i}hne dnw }af dv}vwf Wfthfzfm }af B]\IM zh}a }af Gniwm iem oi`nw nddhkhib{" ib{n of} zh}a ibb nddhkhib{ {f|iwi}fbx Knikahej znwc{an| i} }af {}iw} nd }af {fi{ne% H} zi{ ib{n dwfyvfe}bx gwnvja} v| i} gniwm off}hej{ ]af Gniwm znwcfm zh}a ]fkaehkib Knooh}}ff }n oicf kaiejf{ }n }af dnwoi} nd }af \wnthekhib Kaio|hne{ah|{ iem zh}a }af

an{} Kbvg nd }af Wfjhneib Kaio|hne{ah|{

Mfkfe}wibhphej }af |wf|iwi}hne iem mh{}whgv}hne nd hednwoi}hne h{ ib{n en} kn{} fddfk}htf gv} i} }af {iof }hof i ei}hneib

{}wi}fjx zhbb en} kne{hmfw }af kne}fq} iem wfibh}x nd bnkib h{{vf{% Gwiekaf{ }ai} aitf {}idd iwf onwf bhcfbx }n gf iziwf nd

oi}fwhib{ }n khwkvbi}f iem }awnvja fbfk}wnehk iem |fw{neib kne}ik} iwf onwf bhcfbx }n |wnthmf }af hednwoi}hne% ]an{f zh}anv}

{}idd aitf i jwfi}fw kaibbfejf%

;% [[K mh{kv{{ mhwfk} knoovehki}hne {}wi}fjhf{ zh}a Gwiekaf{%Nef wfkfe} wf{nvwkf }af thmfn3 [|ffm [ci}hej Kieimil{ \bie }n wfika nvw mf{}hei}hne0 [|ffm [ci}hej Kieimi{ \bie }n wfika

nvw mf{}hei}hne zahka h{ {anw}" dvbb nd hednwoi}hne iem dfi}vwf{ i |wnohefe} dnwofw {ci}fw% ]ah{ h{ ie fqkfbbfe} fqio|bf nd i

kfe}wibbx mftfbn|fm wf{nvwkf dnw jwi{{ wnn}{ kne{vo|}hne% Zahbf h} h{ |n{}fm ne }af [[K zfg {h}f iem oiex Gwiekaf{ zhbb

|wnon}hej h}" i mhwfk} foihb nd }af {h}f znvbm he{vwf }af ofogfw{ah| h{ iziwf nd }af wf{nvwkf% H} knvbm ib{n gf hmfe}hdhfm dnw imhwfk} foihbhej dnw iex iem ibb efz ofogfw{%

=% [[K {anvbm kne}hevf }n mftfbn| fi{x }n v{f iem ikkf{{ wf{nvwkf{ }n {v||nw} }af knoovehki}hne nd mftfbn|ofe}ibbxi||wn|whi}f {|ffm {ci}hej%


11/31


12/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7 / 7KNO\F]H]HNE []WVK]VWF[|ffm {ci}hej he Kieimi ai{ i bnej iem whka ah{}nwx nd |wnthmhej ijf kbi{{ kno|f}h}hne% He jfefwib }af dnwoi} ai{ gffe ijf

kbi{{ wikhej gv} onwf wfkfe}bx {|ffm {ci}hej ai{ gffe i bfimfw he ighbh}x }x|f kno|f}h}hne{% Wikhej ne [ci}f{4wfthfzfm }af

jwnz}a iem mftfbn|ofe} bh}fwi}vwf iem kne{vb}fm fq|fw}{ }n kne{hmfw i onwf mftfbn|ofe}ibbx i||wn|whi}f kno|f}h}hne

{}wvk}vwf% H} zi{ wfknoofemfm }ai} dnw fiwbhfw {}ijf{ gnx{ iem jhwb{ {anvbm gf jwnv|fm }njf}afw he}n ighbh}x }x|f wikf{ iem

mvwhej |vgfw}x zafwf }afwf iwf mwioi}hk fiwbx iem bi}f oi}vwi}hne mhddfwfekf{ nef xfiw ijf zhemnz{ zfwf mftfbn|ofe}ibbx

i||wn|whi}f% Xnvej }ffeijf gnx{ iem jhwb{ {anvbm {}iw} wikhej he jfemfw {|fkhdhk ijf ki}fjnwhf{ iem }af fiwbhfw oi}vwi}hne nddfoibf{ {anvbm gf wfknjehpfm he }af kno|f}h}hne {}wvk}vwf%

h% EFZ FTFE][% Dnw }af xnvejfw {}ijf{ nd mftfbn|ofe} Wikhej ne [ci}f{ ikcenzbfmjf{ Gwieka iem Kbvg `vwh{mhk}hne

zh}a wf{|fk} }n |wnthmhej ftfe}{ }ai} gf{} {fwtf }af effm{ nd }afhw ofogfw{% Yvf{}hne{ wfbi}fm i{cfm wfbi}fm }n }af

kno|f}h}hne {}wvk}vwf dnkv{fm ne }af efz ijf kbi{{f{ mfdhefm he }af 7


13/31



14/31



15/31

Wf|nw}Gwieka [vwtfx{" ]nziwm Mftfbn||fofe}ibbx I||wn|whi}f [|ffm [ci}hej dnw [|ffm [ci}hej he Kieimi Gi{fm ne }af B]IM Onmfb Nk}ngfw 7 / ; / IK]HTH]HF[ IEM MH[]IEKF[9:Ntfw }af xfiw{ {|ffm {ci}hej aitf kaiejfm }af Zai}> nd {|ffm {ci}hej% I} ie he}fwei}hneib bftfb efz ftfe}{ hekbvmf }fio

ik}hth}hf{" efz dnwoi}{ iem mh{}iekf{% Ntfw mfkimf{ [[K ai{ ib{n kaiejfm zh}a bnejfw ijf kbi{{ mh{}iekf{" efz kno|f}h}hne

dnwoi}{ !{vka i{ ighbh}x ftfe}{( iem {nof }fio ik}hth}hf{% Wikhej ne [ci}f{ kne{hmfwfm }af gf{} {khfekf itihbigbf iem

|wnthmfm i wi}hneibf dnw mwioi}hkibbx mhddfwfe} mh{}iekf{" |wn|nw}hneib }wikc{" }fio ftfe}{ iem {chbb ftfe}{%91

h% MFTFBN\OFE]IBBX I\\WN\WHI]F MH[]IEKF[% ]af {ho|bf{} fq|biei}hne nd }af Wikhej ne [ci}f{ mh{}iekfwfknoofemi}hne{ h{ xnvejfw kahbmwfe mftfbn|ofe}ib effm{ zfwf gf}}fw {fwtfm gx mhddfwfe} mh{}iekf{% ]af mftfbn|ofe}ibbx

i||wn|whi}f mh{}iekf{ zfwf ovka {anw}fw iem bnejfw }aie }af wfkfe} }wimh}hneib mh{}iekf{% ]af{f mftfbn|ofe}ibbx

i||wn|whi}f mh{}iekf{ }icf imtie}ijf nd zhemnz{ nd}wiheighbh}x98

zahbf oiex nd }af wfkfe} }wimh}hneib mh{}iekf{

fo|ai{hpfm fefwjx {x{}fo{ }ai} znvbm aitf i} gf{} ohehoib bnej }fwo gfefdh}{ iem |fwai|{ ftfe afib}a wh{c{% ]af Wikhej

ne [ci}f{ kno|f}h}hne wfthfz }fio {}vmhfm iem mh{kv{{fm }ah{ kiwfdvbbx iem }afe {nbhkh}fm fq|fw} imthkf ne i||wn|whi}f

mh{}iekf{ dnw fika mftfbn|ofe}ib {}ijf% ]af fq|fw}{ wfknoofemfm mh{}iekf{ zahka zfwf }afe tf}}fm gx }af wfthfz

knooh}}ff iem i||bhfm }n |wnjwio hmfi{ iem kno|f}h}hne{7

!\wf{hmfe} Y6( En [}idd [}idd ]n}ib

Bfim Gniwm Ofogfw 4:& =;& 6=&

Bfim [}idd ;;& =;& ;1&

Ho|bfofe}i}hne Knooh}}ff

I{{hjefm }n fqh{}hej knooh}}ff =;& 7;&

Kaiejfm knooh}}ff {}wvk}vwf{ 9:& 78& 96&

Enef nd }af igntf 9:& 9=& 96&

]igbf J9 h{ i{ wf|nw}fm gx [vwtfx Onecfx% ]af \wf{hmfe}{ {vwtfx yvf{}hne zi{ |nnwbx znwmfm% Zafe }af wf{|ne{f{ }n i

{v||bfofe}ib yvf{}hne zfwf kne{hmfwfm }af |hk}vwf kaiejfm% ]af dnbbnzhej iwf igwhmjfm knoofe}{ iem yvn}f{ dwno }af

dnbbnz/v|0

Zf zfwf nef nd }af dfz Gwiekaf{ }n kno|f}h}hne jvhmfbhef{ he}n nvw \wnthekhib Kaio|hne{ah|{% ]af wf{vb} zi{ }ai} nvw {ci}fw{ aim ik}vibbx yvibhdhfm he}af mh{}iekf{ iem wikf{ wfknoofemfm zafe }afx yvibhdhfm }n i}}fem }af Wfjhneib Kaio|hne{ah|{%

]af Gniwm gfbhftf{ h} h{ i||wn|whi}f dnw v{ }n mftfbn| iem heknw|nwi}f i *oimf he }af Gwieka* {nbv}hne ne B]\IM he{|hwfm kaiejf{ }n nvw |wnjwio{% En" gv} zf iwf znwchej ne h} }ah{ xfiw% ]afwf h{ |n}fe}hib dnw i efz |n{h}hne zahka knvbm zhmfbx kaiejf }af zix }af gniwm hd oimf v|% Gniwm ofogfw zan tnbve}ffwfm }n bfim }af he}fjwi}hne he }af Gwieka% Gi{fm ne i }fio i||wnika }n }af kno|f}h}hne {kafmvbhej" ibb }af |bixfw{ zfwf

hetnbtfm iem ibb zfwf knooh}}fm }n B]\IM%

]zn anvw znwc{an| i} }af Gwieka IJO dnkv{fm ne ng{}ikbf{ }n jwnz}a ]afwf h{ i effm }n kwfi}f he nvw Gwieka i kvb}vwf zafwf knikaf{ iwf tibhmi}fm" {v||nw}fm iem evw}vwfm% Nef kbvg" iem n}afw {vkkf{{dvb kbvg{" aitf kbfiw |nbhkhf{ iwnvem anz }af knoovehki}hne gf}zffe knikaf{" }afhw Gniwm iem |iwfe}{ }icf{ |bikf% ]af i{{nkhi}hne zhbb gf mftfbn|hej gf{} |wik}hkf onmfb{ dnw nvw kbvg{ }n v{f }n feaiekf }af {}wvk}vwf nd }af kbvg{ ]af knika iem }af Kno|f}h}hne{ Knooh}}ff Kaihw !T\ wf{|ne{hgbf dnw Kno|f}h}hne{( zfwf }af bfim{ ne }ah{ |wnjwio% N}afw{ zfwf hetnbtfm i{ zf

ho|bfofe}fm }af |wnjwio" hekbvmhej }af T\ nd Knikahej" }af T\ Nddhkhib{ iem }af \wf{hmfe}% Nvw Fqfkv}htf Mhwfk}nw zi{ tfwx afb|dvb i{ }af oihe kne}ik}

|fw{ne {n }ai} zf knvbm jf} }af znwm nv} }n }af kbvg{ iem ofogfw{%

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=1Wikhej ne [ci}f{Zai} h{ Ofiehejdvb Kno|f}h}hne" |9:


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