{"id":3441,"date":"2026-02-25T10:36:00","date_gmt":"2026-02-25T06:36:00","guid":{"rendered":"https:\/\/www.mbank.ae\/ar\/?page_id=3441"},"modified":"2026-02-25T10:36:00","modified_gmt":"2026-02-25T06:36:00","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/www.mbank.ae\/ar\/terms-conditions\/","title":{"rendered":"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645"},"content":{"rendered":"<p><style class=\"wpcode-css-snippet\">table, td           { border: 1px solid #e7e7e7;}\r\ntd                  { text-align: right; vertical-align: top; letter-spacing: 1px; padding: 10px 15px;}\r\n.TableHeader        { background-color: #1a1441; color: #fff; font-weight: bold;}<\/style><br \/>\n<script>document.addEventListener(\"DOMContentLoaded\", function() {\r\n  if (window.location.hash) {\r\n    const el = document.querySelector(window.location.hash);\r\n    if (el) {\r\n      setTimeout(() => {\r\n        const yOffset = -150; \/\/ 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\u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0627\u062a\u0641\u0643 \u0627\u0644\u0645\u062a\u062d\u0631\u0643.<\/p>\n<p><strong>\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0630\u0627\u062a\u064a\u0629<\/strong><\/p>\n<p>\u064a\u064f\u0642\u0635\u062f \u0628\u0647\u0627 \u0645\u062d\u0637\u0629 \u062a\u0641\u0627\u0639\u0644\u064a\u0629 \u0623\u0648 \u062c\u0647\u0627\u0632 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a) \u062a\u0642\u0648\u0645 \u0628\u062a\u0634\u063a\u064a\u0644\u0647 \u0645\u0646 \u0634\u0623\u0646\u0647 \u0623\u0646 \u064a\u0633\u0647\u0644 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0634\u0645\u0644 -\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644- \u0633\u062f\u0627\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0646 \u0648\u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643\u060c \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0625\u0644\u0649 (\u0627\u0644\u063a\u064a\u0631) \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629 \u0645\u062b\u0644 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0641\u0636\u0644\u064b\u0627 \u0639\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0628\u0639\u0636 \u0623\u0648 \u0643\u0644 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628\u0643.<\/p>\n<h4><strong>\u0627\u0644\u0642\u0633\u0645 \u0627\u0644\u0623\u0648\u0644: \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0639\u0627\u0645\u0629<\/strong><\/h4>\n<p>\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0646 \u0627\u062a\u0641\u0627\u0642\u064a\u062a\u0646\u0627 \u0627\u0644\u0645\u064f\u0628\u0631\u0645\u0629 \u0645\u0639\u0643<\/p>\n<ol>\n<li><strong>\u0645\u0642\u062f\u0645\u0629<\/strong><\/li>\n<\/ol>\n<p>1.1 \u0646\u0637\u0627\u0642 \u062a\u0637\u0628\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637<\/p>\n<p>\u0639\u0646\u062f\u0645\u0627 \u062a\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0644\u062f\u064a\u0646\u0627\u060c \u062a\u0643\u0648\u0646 \u0628\u0630\u0644\u0643 \u0642\u062f \u0623\u0628\u0631\u0645\u062a \u0627\u062a\u0641\u0627\u0642\u064b\u0627 \u0645\u0639\u0646\u0627\u060c \u0646\u062d\u0646\/\u00a0<strong>\u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a \u0630. \u0645. \u0645.\u00a0<\/strong>\u064a\u062a\u0636\u0645\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u064a \u062a\u062d\u0643\u0645 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0634\u062e\u0635\u0643 \u0627\u0644\u0643\u0631\u064a\u0645 \u0648\u0645\u0635\u0631\u0641\u0646\u0627.<\/p>\n\n<p>\u062a\u0638\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0633\u0627\u0631\u064a\u0629 \u0645\u0627\u062f\u0627\u0645\u062a \u0627\u0644\u0635\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0628\u064a\u0646\u0646\u0627 \u0648\u0628\u064a\u0646\u0643 \u0645\u0633\u062a\u0645\u0631\u0629. \u0641\u064a \u062d\u0627\u0644 \u0631\u063a\u0628\u062a \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u0646 \u0645\u0635\u0631\u0641\u0646\u0627\u060c \u0633\u0648\u0641 \u0646\u0642\u062f\u0645 \u0644\u0643 \u0634\u0631\u0648\u0637\u064b\u0627 \u0623\u062e\u0631\u0649 \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629. \u0641\u064a \u062d\u0627\u0644 \u0646\u0634\u0623 \u0623\u064a \u062a\u0639\u0627\u0631\u0636 \u0623\u0648 \u062a\u0636\u0627\u0631\u0628 \u0628\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u0645\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627\u060c \u062a\u0637\u0628\u0642 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0645\u0627 \u0644\u0645 \u064a\u0631\u062f \u0646\u0635 \u0628\u062e\u0644\u0627\u0641 \u0630\u0644\u0643.<\/p>\n\n<p>\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0623\u0646 \u062a\u0637\u0644\u0639 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u062a\u0642\u0631\u0623\u0647\u0627 \u0639\u0646\u0627\u064a\u0629 \u0648\u062a\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0641\u064a \u062d\u0627\u0644 \u0643\u0646\u062a \u0641\u064a \u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u0641\u0647\u0645 \u0623\u064a \u0645\u0646\u0647\u0627 \u0623\u0648 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u064a\u062f \u0623\u0646 \u0646\u0632\u0648\u062f\u0643 \u0628\u0623\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0641\u064a \u0635\u064a\u063a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629. \u062a\u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0645\u0633\u0631\u062f\u064b\u0627 \u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u062a\u0641\u0633\u064a\u0631 \u0628\u0639\u0636 \u0627\u0644\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0627\u0644\u062a\u064a \u0627\u0633\u062a\u062e\u062f\u0645\u0646\u0627\u0647\u0627 \u0647\u0646\u0627 \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0641\u0647\u0645\u0647\u0627.<\/p>\n\n<p>\u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u064a\u0643\u0648\u0646 \u0645\u0646 \u062d\u0642\u0646\u0627 \u0625\u064a\u0642\u0627\u0641 \u062d\u0633\u0627\u0628\u0643 \u0648\u0645\u0646\u0639\u0643 \u0645\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a\u0646\u0627.<\/p>\n<p>2.1 \u0645\u0646 \u0646\u062d\u0646<\/p>\n<p>\u064a\u0642\u0639 \u0645\u0642\u0631\u0646\u0627 \u0627\u0644\u0645\u0633\u062c\u0644 \u0641\u064a 454 \u0634\u0627\u0631\u0639 \u0634\u062e\u0628\u0648\u0637 \u0628\u0646 \u0633\u0644\u0637\u0627\u0646 \u2013 CN-4028026\u061b \u0648\u0646\u0639\u0645\u0644 \u0628\u0645\u0648\u062c\u0628 \u062a\u0631\u062e\u064a\u0635 \u0635\u0627\u062f\u0631 \u0645\u0646 \u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0646\u0627 \u0645\u0635\u0631\u0641 \u0645\u062a\u062e\u0635\u0635 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (\u0627\u0644\u062a\u0639\u0645\u064a\u0645 \u0631\u0642\u0645 13\/ 2021).<\/p>\n<p>\u0628\u0648\u0635\u0641\u0646\u0627 \u0645\u0635\u0631\u0641 \u0645\u062a\u062e\u0635\u0635\u060c \u0641\u0646\u062d\u0646 \u0646\u0642\u062f\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0623\u0648 \u062e\u0627\u0631\u062c\u0647\u0627.<\/p>\n<ol start=\"2\">\n<li><strong>\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0628\u064a\u0646\u0646\u0627<\/strong><\/li>\n<\/ol>\n<p>2.1. \u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0646\u0627<\/p>\n<ul>\n<li>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0639\u0628\u0631 \u0623\u064a \u0645\u0646 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:\n<ul>\n<li>\u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:\u00a0<a href=\"mailto:info@mbankuae.com\">info@mbankuae.com<\/a><\/li>\n<li>\u0647\u0627\u062a\u0641: 600571111<\/li>\n<li>\u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0628\u0631\u064a\u062f\u064a: \u0635. \u0628. 111485 \u2013 \u0623\u0628\u0648\u0638\u0628\u064a \u2013 \u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a \u0630. \u0645. \u0645.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0639\u0628\u0631 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u00a0\u00a0<a href=\"https:\/\/www.mbank.ae\/\">www.mbank.ae<\/a><\/p>\n<p>2.2 \u0646\u0637\u0627\u0642 \u062a\u0637\u0628\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637<\/p>\n<p>\u0633\u0648\u0641 \u0646\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0639\u0628\u0631 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u062a\u064a \u0632\u0648\u062f\u062a\u0645\u0648\u0646\u0627 \u0628\u0628\u064a\u0627\u0646\u0627\u062a\u0647\u0627\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644 \u0627\u0644\u0628\u0631\u064a\u062f\u060c \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629 \u0627\u0644\u0642\u0635\u064a\u0631\u0629 \u0623\u0648 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0647\u0627\u062a\u0641\u064a. \u0628\u0631\u062c\u0627\u0621 \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647 \u0625\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u0627\u0644\u062a\u062d\u0642\u0642 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\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0633\u062a\u0648\u0641\u064a\u064b\u0627 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627\u060c \u0628\u0634\u0623\u0646 \u0641\u0626\u0627\u062a \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0628\u0642\u0629\u060c \u0641\u064a \u0627\u0644\u0628\u0646\u062f\u064a\u0646 \u201c40\u201d (\u201c\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629\u201d) \u0648&#8221;41\u201d (\u201c\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0645\u0627\u0633\u064a\u0629\u201d)\u061b \u0623\u0648<\/li>\n<li>\u0623\u0646 \u062a\u062e\u062a\u0627\u0631 \u0623\u0648 \u062a\u0642\u0628\u0644 \u0623\u0646 \u062a\u0633\u062f\u062f \u0631\u0633\u0648\u0645\u064b\u0627 \u0634\u0647\u0631\u064a\u0629 \u0645\u0642\u0627\u0628\u0644 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\u0627\u0644\u062a\u064a \u062a\u062c\u0631\u0649 \u0641\u064a \u064a\u0648\u0645 \u0648\u0627\u062d\u062f.<\/li>\n<\/ul>\n<p>\u064a\u062c\u0648\u0632 \u0644\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0641\u0642\u0637 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647\u0627 \u0642\u0627\u0646\u0648\u0646\u064b\u0627 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u0646 \u0646\u0631\u0641\u0636 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u062a\u062c\u0631\u0649 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0641\u064a \u062d\u0627\u0644 \u062a\u0628\u064a\u0646 \u0644\u0646\u0627 \u0628\u0623\u064a \u062d\u0627\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0623\u0646\u0647\u0627 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u062e\u0627\u0644\u0641\u0629.<\/p>\n\n<p>\u0644\u0643\u064a \u0646\u0646\u0641\u0630 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0627\u0644\u064a\u0629 \u062a\u062c\u0631\u0649 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645\u060c \u064a\u062c\u0648\u0632 \u0645\u0637\u0627\u0644\u0628\u062a\u0643 \u0628\u0625\u062c\u0631\u0627\u0621 \u0623\u064a \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0625\u062f\u062e\u0627\u0644 \u0623\u064a \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644 \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0633\u0631 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0625\u0630\u0627 \u0637\u0644\u0628 \u0630\u0644\u0643.<\/li>\n<li>\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0628\u062e\u0637 \u0627\u0644\u064a\u062f.<\/li>\n<li>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0645\u0646 \u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u062d\u0633\u0627\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0639\u062f\u0645 \u0627\u0644\u062a\u0644\u0627\u0645\u0633 \u0623\u0648 \u0645\u0627 \u0634\u0627\u0628\u0647.<\/li>\n<li>\u0627\u062a\u062e\u0627\u0630 \u0623\u064a \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0623\u062e\u0631\u0649 \u0646\u0637\u0644\u0628\u0647\u0627 \u0623\u062d\u064a\u0627\u0646\u064b\u0627.<\/li>\n<\/ul>\n\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062f\u064a\u0646\u0629 \u0641\u064a \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0627\u0644\u0622\u0644\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0645\u0631\u0628\u0648\u0637\u0629 \u0628\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0627\u0644\u064a\u0629: \u0634\u0628\u0643\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 UAE Switch\u060c \u0634\u0628\u0643\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u062e\u0644\u064a\u062c\u064a\u0629\u060c \u0628\u0644\u0627\u0633 Plus\u060c \u0641\u064a\u0632\u0627 \u0646\u062a.<\/p>\n\n<p>\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0627\u0644\u0622\u0644\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a. \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0648\u0639\u0644\u0649 \u0623\u064a 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\u062a\u0644\u062a\u0632\u0645 \u0628\u0633\u062f\u0627\u062f \u0631\u0633\u0648\u0645\u0647\u0627. \u0641\u064a \u062d\u0627\u0644 \u0633\u064f\u0645\u062d \u0644\u0643 \u0628\u0633\u062d\u0628 \u0645\u0628\u0627\u0644\u063a \u0628\u0639\u0645\u0644\u0629 \u0623\u062c\u0646\u0628\u064a\u0629 \u0645\u0646 \u0623\u064a \u0645\u0646 \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0641 \u0627\u0644\u0622\u0644\u064a\u060c \u0644\u0646 \u0646\u062a\u062d\u0645\u0644 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0633\u0639\u0631 \u0627\u0644\u0635\u0631\u0641 \u0627\u0644\u0645\u0637\u0628\u0642. \u0625\u0636\u0627\u0641\u0629\u064b \u0625\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0642\u0631\u0631\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0627\u0644\u0622\u0644\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649\u060c \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u0646\u0641\u0631\u0636 \u0631\u0633\u0648\u0645\u064b\u0627 \u0625\u0630\u0627 \u0627\u0633\u062a\u062e\u062f\u0645\u062a \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0635\u0631\u0627\u0641\u0629 \u0622\u0644\u064a\u0629 \u0645\u0639\u064a\u0646\u0629.<\/p>\n<p>15.2.1. \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/p>\n<p>\u064a\u062a\u0645 \u062a\u0648\u0641\u064a\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f (\u0628\u0627\u0644\u062f\u0631\u0647\u0645 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u064a\u060c \u0628\u0627\u0644\u062f\u0631\u0647\u0645 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u064a) \u0645\u0639 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a \u0648\u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0648\u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (POS) \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0623\u062b\u0646\u0627\u0621 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0648\u0628\u0639\u062f \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0648\u0642\u0628\u0648\u0644 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0641\u0627\u0635\u064a\u0644 \u062d\u0648\u0644 \u062c\u0645\u064a\u0639 \u0631\u0633\u0648\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0637\u0628\u0642\u0629\u060c \u064a\u0631\u062c\u0649 \u0627\u0644\u0631\u062c\u0648\u0639 \u0625\u0644\u0649 <a href=\"https:\/\/www.mbank.ae\/fees-charges\/personal-accounts\/\">https:\/\/www.mbank.ae\/fees-charges\/personal-accounts\/<\/a><\/p>\n<p>\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643:<\/p>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\">\n<tr>\n<th colspan=\"5\">\u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 (\u0627\u0641\u062a\u0631\u0627\u0636\u064a)<\/th>\n<\/tr>\n<tr>\n<td>\u062d\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \/ \u0639\u0646 \u0628\u0639\u062f (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u062d\u062f \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u062d\u062f \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u0646\u0648\u0639 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631<\/td>\n<\/tr>\n<tr>\n<td>50,000<\/td>\n<td>10,000<\/td>\n<td>50,000<\/td>\n<td>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062a\u064a\u062a\u0627\u0646\u064a\u0648\u0645<\/td>\n<\/tr>\n<tr>\n<td>75,000<\/td>\n<td>25,000<\/td>\n<td>75,000<\/td>\n<td>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629<\/td>\n<\/tr>\n<tr>\n<td>100,000<\/td>\n<td>50,000<\/td>\n<td>100,000<\/td>\n<td>\u0639\u0627\u0644\u0645 \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f <\/td>\n<\/tr>\n<\/table>\n<p>\u064a\u0645\u0643\u0646\u0643 \u062a\u0639\u062f\u064a\u0644 \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643 \u0645\u0646 Mbank. \u0644\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643\u060c \u0642\u0645 \u0628\u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644\u060c \u0648\u0627\u0646\u062a\u0642\u0644 \u0625\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u2192 \u0628\u0637\u0627\u0642\u0627\u062a\u064a\u060c \u0648\u062d\u062f\u062f \u062e\u064a\u0627\u0631 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0644\u062a\u0639\u064a\u064a\u0646 \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u062f\u064a\u0643.<\/p>\n<p>\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0647\u0648 \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\">\n<tr>\n<th colspan=\"5\">\u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u064a\u0648\u0645\u064a\u0629 (\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649) <\/th>\n<\/tr>\n<tr>\n<td>\u062d\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \/ \u0639\u0646 \u0628\u0639\u062f (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u062d\u062f \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u062d\u062f \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (\u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a)<\/td>\n<td>\u0646\u0648\u0639 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631<\/td>\n<\/tr>\n<tr>\n<td>150,000<\/td>\n<td>30,000<\/td>\n<td>150,000<\/td>\n<td>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062a\u064a\u062a\u0627\u0646\u064a\u0648\u0645<\/td>\n<\/tr>\n<tr>\n<td>225,000<\/td>\n<td>75,000<\/td>\n<td>225,000<\/td>\n<td>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629<\/td>\n<\/tr>\n<tr>\n<td>300,000<\/td>\n<td>150,000<\/td>\n<td>300,000<\/td>\n<td>\u0639\u0627\u0644\u0645 \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f <\/td>\n<\/tr>\n<\/table>\n<p>15.3. \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631<\/p>\n<p>\u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u0646\u0632\u0627\u0639 \u0628\u064a\u0646 \u0634\u062e\u0635\u0643 \u0627\u0644\u0643\u0631\u064a\u0645 \u0648\u0623\u064a \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0628\u0634\u0623\u0646 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u062a\u062c\u0631\u0649 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645\u060c \u0641\u064a\u062c\u0628 \u0623\u0644\u0627 \u062a\u062a\u0623\u062b\u0631 \u0628\u0623\u064a \u062d\u0627\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0639\u0644\u064a\u0643 \u062a\u062c\u0627\u0647\u0646\u0627 \u0628\u0633\u0628\u0628 \u0645\u062b\u0644 \u0630\u0644\u0643 \u0627\u0644\u0646\u0632\u0627\u0639 \u0623\u0648 \u0646\u062a\u064a\u062c\u0629 \u0623\u064a \u0627\u062f\u0639\u0627\u0621\u0627\u062a \u0623\u0648 \u062f\u0639\u0627\u0648\u0649 \u0623\u0648 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0630\u0627\u062a \u0635\u0644\u0629 \u0623\u0648 \u0628\u0623\u064a \u062d\u0642\u0648\u0642 \u0644\u0643 \u0639\u0646\u062f \u0630\u0644\u0643 \u0627\u0644\u062a\u0627\u062c\u0631.<\/p>\n<p>15.4. \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062e\u0627\u0635\u062a\u0643 \u0623\u0648 \u062a\u062c\u062f\u064a\u062f\u0647\u0627 \u0623\u0648 \u0625\u0644\u063a\u0627\u0624\u0647\u0627 \u0623\u0648 \u0627\u0646\u062a\u0647\u0627\u0621 \u0633\u0631\u064a\u0627\u0646\u0647\u0627<\/p>\n<p>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0644\u0635\u0627\u0644\u062d\u0643 \u064a\u0643\u0648\u0646 \u0633\u0631\u064a\u0627\u0646\u0647\u0627 \u0645\u062d\u062f\u0648\u062f \u0628\u0645\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0645\u062d\u062f\u062f\u0629 \u0648\u062a\u0646\u062a\u0647\u064a \u0635\u0644\u0627\u062d\u064a\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u0642\u0631\u0631 \u0644\u0630\u0644\u0643\u060c \u0648\u0644\u0627 \u064a\u0633\u0645\u062d \u0644\u0643 \u0628\u0625\u062c\u0631\u0627\u0621 \u0623\u064a\u0629 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0645\u0646\u062a\u0647\u064a\u0629 \u0627\u0644\u0633\u0631\u064a\u0627\u0646. \u0642\u0628\u0644 \u062d\u0644\u0648\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0635\u0644\u0627\u062d\u064a\u0629 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0644\u0635\u0627\u0644\u062d\u0643\u060c \u0633\u0648\u0641 \u0646\u0635\u062f\u0631 \u0644\u0623\u062c\u0644\u0643 \u0648\u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u062f\u064a\u0646\u0629 \u062c\u062f\u064a\u062f\u0629 \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0632\u0645\u0646\u064a\u0629 \u0642\u0635\u064a\u0631\u0629.<\/p>\n\n<p>\u0625\u0630\u0627 \u062a\u0639\u0631\u0636\u062a \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062e\u0627\u0635\u062a\u0643 \u0644\u0644\u0636\u064a\u0627\u0639 \u0623\u0648 \u0644\u0644\u0633\u0631\u0642\u0629 \u0623\u0648 \u0644\u0644\u062a\u0644\u0641\u060c \u064a\u062c\u0648\u0632 \u0644\u0643 \u0637\u0644\u0628 \u0628\u062f\u0644 \u0641\u0627\u0642\u062f \u0623\u0648 \u0628\u062f\u0644 \u062a\u0627\u0644\u0641\u060c \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0625\u0635\u062f\u0627\u0631 \u0628\u062f\u0644 \u0627\u0644\u0641\u0627\u0642\u062f \u0623\u0648 \u0628\u062f\u0644 \u0627\u0644\u062a\u0627\u0644\u0641. \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629\u060c \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u201c\u062c\u062f\u0648\u0644 \u0627\u0644\u0631\u0633\u0648\u0645\u201d \u0627\u0644\u0645\u0646\u0634\u0648\u0631 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a.<\/p>\n<p>\u064a\u062d\u062a\u0641\u0638 \u0645\u0635\u0631\u0641\u0646\u0627 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u0644\u063a\u0627\u0621 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062e\u0627\u0635\u062a\u0643 \u0641\u064a \u0623\u064a \u0648\u0642\u062a\u060c \u0648\u0643\u0630\u0644\u0643 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u0644\u063a\u0627\u0621 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0645\u062b\u0644 \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0633\u0631 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0623\u0648 \u0623\u064a \u0645\u0646 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0648\u0627\u0644\u0633\u0631\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0628\u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062f\u064a\u0646\u0629.<\/p>\n<p>\u062a\u0638\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062e\u0627\u0635\u062a\u0643 \u0645\u0644\u0643\u064a\u0629 \u062e\u0627\u0635\u0629 \u0644\u0645\u0635\u0631\u0641\u0646\u0627\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u062a\u0631\u062f\u0647\u0627 \u0625\u0644\u064a\u0646\u0627 \u0641\u0648\u0631 \u0637\u0644\u0628\u0647\u0627\u060c \u0641\u064a \u062d\u0627\u0644 \u062a\u0645 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0628\u062f\u0644 \u0641\u0627\u0642\u062f \u0623\u0648 \u0628\u0628\u062f\u0644 \u062a\u0627\u0644\u0641 \u0623\u0648 \u062c\u0631\u0649 \u0625\u0644\u063a\u0627\u0624\u0647\u0627 \u0623\u0648 \u0625\u0630\u0627 \u0627\u0646\u062a\u0647\u062a \u0645\u062f\u0629 \u0633\u0631\u064a\u0627\u0646\u0647\u0627\u060c \u0623\u0648 \u0625\u0630\u0627 \u062a\u0645 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0644\u0623\u064a \u0633\u0628\u0628 \u0643\u0627\u0646\u060c \u064a\u0643\u0648\u0646 \u0639\u0644\u064a\u0643 \u062a\u0633\u0644\u064a\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u062e\u0627\u0635\u062a\u0643 \u0644\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631\u060c \u0623\u0648 \u0625\u062a\u0644\u0627\u0641\u0647\u0627.<\/p>\n<p>\u062a\u0633\u062a\u0645\u0631 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0639\u0646 \u0623\u064a \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u064a\u062a\u0645 \u062a\u0643\u0628\u062f\u0647\u0627 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href=\"https:\/\/www.mbank.ae\/wp-content\/uploads\/2024\/04\/mbank-Credit-Card-TCs.pdf\">\u0628\u0637\u0627\u0642\u0627\u062a \u0625\u0626\u062a\u0645\u0627\u0646<\/a><\/p>\n<ol start=\"17\">\n<li><strong>\u0627\u0644\u0634\u064a\u0643\u0627\u062a<\/strong><\/li>\n<\/ol>\n<p>17.1. \u0627\u0644\u0623\u0647\u0644\u064a\u0629<\/p>\n<p>\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u0641\u062a\u0631 \u0634\u064a\u0643\u0627\u062a \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064a \u0623\u0648 \u062d\u0633\u0627\u0628 \u0645\u0634\u062a\u0631\u0643 \u0644\u062f\u064a\u0646\u0627\u060c \u062d\u064a\u062b \u0623\u0646 \u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0644\u0627 \u062a\u0643\u0648\u0646 \u0645\u0624\u0647\u0644\u0629 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\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637. \u0633\u064a\u0642\u062a\u0635\u0631 \u0639\u062f\u062f \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0641\u064a \u0623\u064a \u062f\u0641\u062a\u0631 \u0634\u064a\u0643\u0627\u062a \u0639\u0644\u0649 \u0639\u0634\u0631\u0629 (10) \u0634\u064a\u0643\u0627\u062a \u0641\u0642\u0637.<\/p>\n<p>17.2. \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f<\/p>\n<p>\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u0642\u0628\u0644 \u062a\u062d\u0631\u064a\u0631 \u0623\u064a \u0634\u064a\u0643 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0631\u0635\u064a\u062f \u0643\u0627\u0641\u064d \u0641\u064a \u062d\u0633\u0627\u0628\u0643\u060c \u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u062a\u062d\u0631\u064a\u0631\u0643 \u0634\u064a\u0643\u064b\u0627 \u062f\u0648\u0646 \u0648\u062c\u0648\u062f \u0631\u0635\u064a\u062f \u0643\u0627\u0641\u064d \u0641\u064a \u062d\u0633\u0627\u0628\u0643 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\u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u064a\u0643 \u0648\u0642\u062f \u062a\u064f\u0645\u0646\u0639 \u0645\u0646 \u0627\u0644\u0633\u0641\u0631 \u0645\u0646 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0628\u0646\u062f 22-3 (\u062d\u0642\u0646\u0627 \u0641\u064a \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643) \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n<p>17.3. \u0627\u0644\u062a\u0633\u0648\u064a\u0629<\/p>\n<p>\u0641\u064a \u062d\u0627\u0644\u0629 \u0633\u062f\u0627\u062f \u0634\u064a\u0643\u064b\u0627 \u0641\u064a \u062d\u0633\u0627\u0628\u0643\u060c \u0639\u0627\u062f\u0629 \u0645\u0627 \u064a\u0635\u0644 \u0627\u0644\u0623\u0645\u0631 \u0625\u0644\u0649 \u064a\u0648\u0645\u064a (2) \u0639\u0645\u0644 \u062d\u062a\u0649 \u0638\u0647\u0648\u0631 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u062d\u0633\u0627\u0628\u0643. \u0648\u0631\u063a\u0645 \u0630\u0644\u0643\u060c \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0623\u0645\u0631 \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644 \u0625\u0630\u0627 \u0643\u0646\u0627 \u0646\u0639\u062a\u0642\u062f \u0628\u0648\u062c\u0648\u062f \u0623\u0633\u0628\u0627\u0628 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0648 \u0623\u0633\u0628\u0627\u0628 \u0644\u0644\u0648\u0642\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u062a\u062d\u0648\u0644 \u062f\u0648\u0646 \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0641\u064a \u063a\u0636\u0648\u0646 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 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\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0628\u0646\u062f 22-3 (\u062d\u0642\u0646\u0627 \u0641\u064a \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643) \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n<p>17.4. \u062e\u062f\u0645\u0629 \u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643<\/p>\n<p>\u0631\u0647\u0646\u064b\u0627 \u0628\u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0645\u0628\u0631\u0645\u0629 \u0645\u0639\u0646\u0627\u060c \u064a\u0645\u0643\u0646\u0643 \u0625\u064a\u062f\u0627\u0639 \u0634\u064a\u0643\u064b\u0627 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start=\"23\">\n<li><strong>\u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0623\u0648 \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629<\/strong><\/li>\n<\/ol>\n<p>23.1. \u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629<\/p>\n<p>\u0625\u0630\u0627 \u0642\u0631\u0631\u062a \u0623\u0646\u0643 \u0644\u0627 \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u062d\u0633\u0627\u0628\u0643\u060c \u064a\u0645\u0643\u0646\u0643 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0648\u0625\u0646\u0647\u0627\u0621 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0645\u064f\u0628\u0631\u0645\u0629 \u0645\u0639\u0646\u0627 \u0641\u064a \u063a\u0636\u0648\u0646 \u062e\u0645\u0633\u0629 (5) \u0623\u064a\u0627\u0645 \u0639\u0645\u0644 \u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 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\u0628\u062d\u0633\u0627\u0628\u0643.<\/li>\n<li>\u0642\u064a\u0627\u0645\u0643 \u0628\u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u062d\u0633\u0627\u0628\u0643 \u0628\u0635\u0648\u0631\u0629 \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0623\u0648 \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643.<\/li>\n<li>\u062a\u0648\u062c\u064a\u0647 \u0637\u0644\u0628 \u0625\u0644\u064a\u0646\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0623\u064a \u0645\u062d\u0643\u0645\u0629 \u0623\u0648 \u062c\u0647\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0628\u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643.<\/li>\n<li>\u0623\u0646 \u064a\u0645\u062b\u0644 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0643 \u062e\u0631\u0642\u064b\u0627 \u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\/\u0623\u0648 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629.<\/li>\n<li>\u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0623\u064a \u0633\u0628\u0628 \u0648\u062c\u064a\u0647 \u0622\u062e\u0631 \u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u0625\u063a\u0644\u0627\u0642\u0646\u0627 \u062d\u0633\u0627\u0628\u0643 \u062f\u0648\u0646 \u062a\u0648\u062c\u064a\u0647 \u0623\u064a \u0625\u062e\u0637\u0627\u0631.<\/li>\n<\/ul>\n<p>23.4. \u0628\u064a\u0627\u0646 \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628<\/p>\n<p>\u0628\u0639\u062f \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643\u060c \u0633\u0646\u0635\u062f\u0631 \u0644\u0643 \u0628\u064a\u0627\u0646 \u0645\u0627\u0644\u064a \u0628\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0641\u064a \u063a\u0636\u0648\u0646 \u0633\u0628\u0639\u0629 (7) \u0623\u064a\u0627\u0645 \u0639\u0645\u0644 \u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0637\u0644\u0628 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643\u060c \u0623\u0648 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0625\u062e\u0637\u0627\u0631\u0643 \u0628\u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 (\u062d\u0633\u0628 \u0645\u0642\u062a\u0636\u0649 \u0627\u0644\u062d\u0627\u0644).<\/p>\n<p>23.5. \u0634\u0631\u0648\u0637 \u0627\u0644\u0625\u063a\u0644\u0627\u0642<\/p>\n<p>\u062a\u0642\u0639 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642\u0643 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u062a\u062e\u0627\u0630 \u062e\u0637\u0648\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0639\u0646\u062f \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643\u060c \u062a\u062a\u0645\u062b\u0644 \u0641\u064a:<\/p>\n<ul>\n<li>\u0625\u062a\u0644\u0627\u0641 \u0623\u064a \u0628\u0637\u0627\u0642\u0627\u062a \u062e\u0635\u0645 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u062d\u0633\u0627\u0628\u0643.<\/li>\n<li>\u0625\u062a\u0644\u0627\u0641 \u0623\u064a \u0634\u064a\u0643\u0627\u062a \u063a\u064a\u0631 \u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0625\u062c\u0631\u0627\u0621 \u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0633\u062f\u0627\u062f \u0628\u062f\u064a\u0644\u0629 \u0644\u0623\u064a \u0634\u064a\u0643\u0627\u062a \u0645\u0633\u062a\u062d\u0642\u0629 \u0627\u0644\u0633\u062f\u0627\u062f.<\/li>\n<li>\u062a\u0646\u0632\u064a\u0644 \u0623\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u064a\u0647\u0627 \u0645\u0646 \u0645\u0646\u0635\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0623\u0648 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 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\u064a\u064f\u0635\u0646\u0651\u0641 \u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644\u061f<\/p>\n<p>\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u062a\u0635\u0646\u064a\u0641 \u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644 \u0625\u0630\u0627 \u0644\u0645 \u0646\u062a\u0644\u0642 \u0623\u064a \u0627\u062a\u0635\u0627\u0644 \u0623\u0648 \u0645\u0631\u0627\u0633\u0644\u0629 \u0645\u0646\u0643 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u062b\u0644\u0627\u062b (3) \u0633\u0646\u0648\u0627\u062a \u0623\u0648 \u0623\u0643\u062b\u0631 \u0648\u0644\u0645 \u062a\u064f\u062c\u0631 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u062f\u0627\u0626\u0646\u0629 \u0623\u0648 \u0645\u062f\u064a\u0646\u0629 (\u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u062c\u0631\u064a\u0647\u0627) \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0623\u0648 \u0639\u0644\u0649 \u0623\u064a \u062d\u0633\u0627\u0628 \u0622\u062e\u0631 \u0644\u062f\u064a\u0646\u0627 \u0644\u0645\u062f\u0629 \u062b\u0644\u0627\u062b (3) \u0633\u0646\u0648\u0627\u062a.<\/p>\n<p>\u0625\u0630\u0627 \u0645\u0627 \u0635\u0646\u0651\u0641\u0646\u0627 \u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644\u060c \u0633\u0646\u0648\u062c\u0651\u0647 \u0625\u0644\u064a\u0643 \u0625\u062e\u0637\u0627\u0631\u064b\u0627 \u062e\u0637\u064a\u064b\u0627 \u0628\u0642\u0631\u0627\u0631\u0646\u0627 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062d\u062f\u062b \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0625\u0644\u064a\u0646\u0627\u060c \u0643\u0645\u0627 \u0633\u0646\u0631\u0633\u0644 \u0644\u0643 \u0623\u064a\u0636\u064b\u0627 \u0631\u0633\u0627\u0626\u0644 \u062a\u0630\u0643\u064a\u0631 \u0644\u0625\u0628\u0644\u0627\u063a\u0643 \u0628\u062e\u0645\u0648\u0644 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0648\u0634\u064a\u0643. \u0625\u0630\u0627 \u0644\u0645 \u0646\u062a\u0644\u0642\u0651 \u0631\u062f\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0645\u064f\u0648\u062c\u0647 \u0625\u0644\u064a\u0647 \u0641\u064a \u063a\u0636\u0648\u0646 \u062b\u0644\u0627\u062b\u0629 (3) \u0623\u0634\u0647\u0631 \u0645\u0646 \u0625\u0631\u0633\u0627\u0644\u0647\u060c \u0633\u0646\u0633\u062a\u0645\u0631 \u0641\u064a \u062a\u0635\u0646\u064a\u0641 \u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644.<\/p>\n<p>\u0648\u0642\u062f \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0625\u062e\u0637\u0627\u0631 \u0628\u0639\u0636 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0628\u0642\u0631\u0627\u0631\u0646\u0627 \u0628\u062a\u0635\u0646\u064a\u0641 \u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644.<\/p>\n<p>24.2. \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0645\u0644\u0629<\/p>\n<p>\u0633\u064a\u0638\u0644 \u0623\u064a \u0645\u0628\u0644\u063a \u0645\u0633\u062a\u062d\u0642 \u0644\u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0645\u0644\u0643\u064b\u0627 \u0644\u0643 \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u062a\u0635\u0646\u064a\u0641\u0646\u0627 \u0644\u062d\u0633\u0627\u0628\u0643 \u0628\u0623\u0646\u0647 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644\u060c \u0648\u0633\u0646\u0642\u0648\u0645 \u0628\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0644\u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0625\u0644\u0649 \u062f\u0641\u062a\u0631 \u0623\u0633\u062a\u0627\u0630 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062e\u0627\u0645\u0644 \u0627\u0644\u0630\u064a \u0646\u062d\u062a\u0641\u0638 \u0628\u0647. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062e\u0627\u0645\u0644 \u062d\u0633\u0627\u0628\u064b\u0627 \u0645\u0631\u062a\u0628\u0637 \u0628\u0641\u0627\u0626\u062f\u0629\u060c \u0633\u062a\u0633\u062a\u0645\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0631\u0627\u0643\u0645. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0644\u0646 \u064a\u062a\u0645 \u0641\u0631\u0636 \u0623\u064a \u0631\u0633\u0648\u0645 \u0628\u062e\u0644\u0627\u0641 \u062a\u0644\u0643 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u0641\u0631\u0648\u0636\u0629 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0645\u0644\u0629. \u064a\u0631\u062c\u0649 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646\u0647 \u0644\u0646 \u062a\u0635\u062f\u0631 \u0643\u0634\u0648\u0641 \u062d\u0633\u0627\u0628 \u0644\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0645\u0644\u0629\u060c \u0648\u0644\u0643\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0633\u062a\u0633\u062a\u0645\u0631 \u062f\u0648\u0646 \u0627\u0646\u0642\u0637\u0627\u0639.<\/p>\n<p>\u0625\u0630\u0627 \u0638\u0644 \u062d\u0633\u0627\u0628\u0643 \u062e\u0627\u0645\u0644\u064b\u0627 \u0644\u0645\u062f\u0629 \u062e\u0645\u0633 (5) \u0633\u0646\u0648\u0627\u062a \u0623\u0648 \u0623\u0643\u062b\u0631 \u0641\u0633\u0646\u0636\u0637\u0631 \u0625\u0644\u0649 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0644\u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0625\u0644\u0649 \u062f\u0641\u062a\u0631 \u0623\u0633\u062a\u0627\u0630 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062e\u0627\u0645\u0644 \u0627\u0644\u0630\u064a \u064a\u062d\u062a\u0641\u0638 \u0628\u0647 \u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0648\u0639\u0646\u062f\u0626\u0630\u064d \u0644\u0646 \u062a\u0633\u062f\u062f \u0623\u064a \u0641\u0648\u0627\u0626\u062f \u0639\u0644\u0649 \u0623\u064a \u0645\u0628\u0627\u0644\u063a \u064a\u062a\u0645 \u062a\u062d\u0648\u064a\u0644\u0647\u0627.<\/p>\n<p>24.3. \u0625\u0639\u0627\u062f\u0629 \u062a\u0646\u0634\u064a\u0637 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0645\u0644\u0629<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0625\u0639\u0627\u062f\u0629 \u062a\u0646\u0634\u064a\u0637 \u062d\u0633\u0627\u0628 \u062e\u0627\u0645\u0644 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0625\u0639\u0627\u062f\u0629 \u062a\u0646\u0634\u064a\u0637 \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u0643\u062f \u0647\u0648\u064a\u062a\u0643. \u0633\u064a\u062c\u0631\u064a \u0625\u0639\u0627\u062f\u0629 \u062a\u0646\u0634\u064a\u0637 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\u062d\u0633\u0627\u0628\u0643 \u0644\u0628\u0646\u0643 \u0622\u062e\u0631<\/strong><\/li>\n<\/ol>\n<p>25.1. \u0646\u0642\u0644 \u062d\u0633\u0627\u0628\u0643 \u0644\u0628\u0646\u0643 \u0622\u062e\u0631<\/p>\n<p>\u064a\u0645\u0643\u0646\u0646\u0627 \u0646\u0642\u0644 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0646\u0627 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0625\u0644\u0649 \u0628\u0646\u0643 \u0622\u062e\u0631 \u0623\u0648 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 \u0623\u062e\u0631\u0649 \u062a\u0634\u062a\u0631\u064a \u062a\u0644\u0643 \u0627\u0644\u062d\u0642\u0648\u0642.<\/p>\n<p>\u0644\u0627 \u064a\u0645\u0643\u0646\u0646\u0627 \u0646\u0642\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0625\u0644\u0627 \u0625\u0644\u0649 \u0634\u062e\u0635 \u0645\u0641\u0648\u0636 \u0623\u0648 \u0645\u0639\u062a\u0631\u0641 \u0628\u0647 \u0645\u0646 \u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0645\u0624\u0633\u0633\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0642\u0628\u0648\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u0648\u0641\u064a \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0641\u0642\u062f \u0646\u0634\u0627\u0631\u0643 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0645\u0639 \u062c\u0647\u0627\u062a \u062e\u0627\u0631\u062c\u064a\u0629 \u0641\u064a \u0625\u0637\u0627\u0631 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0646\u0642\u0644.<\/p>\n<p>\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0646\u0642\u0644 \u0623\u064a \u0645\u0646 \u062d\u0642\u0648\u0642\u0643 \u0648\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628\u0643\u060c \u0623\u0648 \u0627\u0644\u062d\u0633\u0627\u0628 \u0630\u0627\u062a\u0647\u060c \u0625\u0644\u0649 \u0623\u064a \u0634\u062e\u0635 \u0622\u062e\u0631.<\/p>\n<p><strong>\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0647\u0645\u0629 \u0623\u062e\u0631\u0649<\/strong><\/p>\n<ol start=\"26\">\n<li><strong>\u0627\u0644\u0634\u0643\u0627\u0648\u0649<\/strong><\/li>\n<\/ol>\n<p>26.1. \u0643\u064a\u0641\u064a\u0629 \u062a\u0642\u062f\u064a\u0645 \u0634\u0643\u0648\u0649<\/p>\n<p>\u0644\u0644\u0634\u0643\u0627\u0648\u0649\u060c \u064a\u064f\u0631\u062c\u0649 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0646\u0627 \u0648\u0625\u0628\u0644\u0627\u063a\u0646\u0627 \u0628\u0634\u0643\u0648\u0627\u0643 \u0648\u0633\u0646\u0628\u0630\u0644 \u0645\u0627 \u0641\u064a \u0648\u0633\u0639\u0646\u0627 \u0645\u0646 \u0623\u062c\u0644 \u062d\u0644\u0647\u0627. \u064a\u0645\u0643\u0646\u0643 \u062a\u0642\u062f\u064a\u0645 \u0634\u0643\u0648\u0649 \u0625\u0645\u0627 \u0634\u0641\u0647\u064a\u064b\u0627 \u0623\u0648 \u062e\u0637\u064a\u064b\u0627 \u0628\u0627\u062a\u0628\u0627\u0639 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u00a0<a href=\"mailto:complaint@mbankuae.com\">complaint@mbankuae.com<\/a><\/li>\n<li>\u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0639\u0644\u0649 \u0627\u0644\u0631\u0642\u0645 600571111.<\/li>\n<li>\u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0629 \u0639\u0644\u0649 \u0639\u0646\u0648\u0627\u0646 \u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a \u0630.\u0645.\u0645\u060c \u0635.\u0628: 111485\u060c \u0623\u0628\u0648\u0638\u0628\u064a.<\/li>\n<li>\u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0641\u062d\u0629 \u201c\u0627\u062a\u0635\u0644 \u0628\u0646\u0627\u201d \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0646\u0627 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a.<\/li>\n<li>\u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0641\u062d\u0629 \u201c\u0627\u062a\u0635\u0644 \u0628\u0646\u0627\u201d \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643.<\/li>\n<\/ul>\n<p>\u0648\u0633\u0646\u062d\u064a\u0637\u0643 \u0639\u0644\u0645\u064b\u0627 \u0628\u0623\u0646\u0646\u0627 \u0642\u062f \u062a\u0633\u0644\u0651\u0645\u0646\u0627 \u0634\u0643\u0648\u0627\u0643 \u0641\u064a \u063a\u0636\u0648\u0646 \u064a\u0648\u0645\u064a (2) \u0639\u0645\u0644 \u0643\u0627\u0645\u0644\u064a\u0646\u060c \u0643\u0645\u0627 \u0633\u0646\u0628\u0644\u063a\u0643 \u0628\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0634\u0643\u0627\u0648\u0649 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0646\u0627 \u0648\u0646\u0637\u0644\u0639\u0643 \u062f\u0627\u0626\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u062d\u0631\u0632 \u0641\u064a \u0634\u0643\u0648\u0627\u0643 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0646\u0638\u0631 \u0641\u064a\u0647\u0627.<\/p>\n<p>\u0633\u0646\u0648\u062c\u0651\u0647 \u0625\u0644\u064a\u0643 \u0631\u062f\u064b\u0627 \u062e\u0637\u064a\u064b\u0627 \u064a\u062a\u0636\u0645\u0646 \u0642\u0631\u0627\u0631\u0646\u0627 \u0627\u0644\u0646\u0647\u0627\u0626\u064a \u0628\u0634\u0623\u0646 \u0634\u0643\u0648\u0627\u0643\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u0641\u0635\u064a\u0644\u064a\u0629 \u0644\u0642\u0631\u0627\u0631\u0646\u0627\u060c \u0641\u064a \u063a\u0636\u0648\u0646 \u062b\u0644\u0627\u062b\u064a\u0646 (30) \u064a\u0648\u0645 \u0639\u0645\u0644 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u0644\u0627\u0645 \u0634\u0643\u0648\u0627\u0643.<\/p>\n<p>26.2. \u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0642\u062f\u0631\u062a\u0646\u0627 \u0639\u0644\u0649 \u062d\u0644 \u0634\u0643\u0648\u0627\u0643<\/p>\n<p>\u0625\u0630\u0627 \u0644\u0645 \u0646\u062a\u0645\u0643\u0646 \u0645\u0646 \u062d\u0644 \u0634\u0643\u0648\u0627\u0643\u060c \u0623\u0648 \u0625\u0630\u0627 \u0644\u0645 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062a\u0631\u0636\u064a\u0629 \u0643\u0627\u0641\u064a\u0629\u060c \u064a\u062c\u0648\u0632 \u0644\u0643 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0634\u0643\u0648\u0649 \u0625\u0644\u0649 \u0648\u062d\u062f\u0629 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0627\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u201c\u0633\u0646\u062f\u0643\u201d \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u00a0<a href=\"https:\/\/www.sanadak.gov.ae\/\">www.sanadak.gov.ae<\/a><br \/>\n\u0623\u0648 \u0627\u062a\u0635\u0627\u0644 \u0639\u0644\u0649\u00a0<a href=\"tel:7262325\">800SANADAK(7262325)<\/a><\/p>\n<ol start=\"27\">\n<li><strong>\u062e\u0637\u0629 \u0627\u0644\u0636\u0645\u0627\u0646<\/strong><\/li>\n<\/ol>\n<p>27.1. \u062e\u0637\u0629 \u0627\u0644\u0636\u0645\u0627\u0646<\/p>\n<p>\u0644\u0627 \u064a\u0648\u0641\u0631 \u0627\u0644\u0628\u0646\u0643 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0627\u0644\u064a \u0623\u064a \u062e\u0637\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u064a\u0647\u060c \u0641\u0625\u0646 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0641\u064a \u062d\u0633\u0627\u0628\u0643 \u0644\u064a\u0633\u062a \u0645\u062d\u0645\u064a\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0642\u062f\u0631\u062a\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a\u0646\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<ol start=\"28\">\n<li><strong>\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a<\/strong><\/li>\n<\/ol>\n<p>28.1. \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0643<\/p>\n<p>\u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0623\u0648 \u0627\u0644\u0625\u0647\u0645\u0627\u0644 \u0627\u0644\u062c\u0633\u064a\u0645 \u0623\u0648 \u0633\u0648\u0621 \u0627\u0644\u062a\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u0639\u0645\u062f \u0645\u0646 \u062c\u0627\u0646\u0628\u0646\u0627\u060c \u0641\u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0645\u0644\u0632\u0645 \u0628\u062a\u0639\u0648\u064a\u0636\u0646\u0627 \u0639\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u0645\u0644\u0646\u0627\u0647\u0627 \u0646\u062a\u064a\u062c\u0629 \u0644\u0623\u064a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0645\u0642\u062f\u0645\u0629 \u0636\u062f\u0646\u0627 \u0645\u0646 \u0623\u064a \u062c\u0647\u0629 \u062e\u0627\u0631\u062c\u064a\u0629 (\u0637\u0631\u0641 \u062b\u0627\u0644\u062b) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0648\u0641\u064a\u0631\u0646\u0627 \u0644\u0644\u062d\u0633\u0627\u0628 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0644\u0643 \u0623\u0648 \u0639\u0646\u062f \u0627\u0644\u062a\u0635\u0631\u0641 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062a\u0639\u0644\u064a\u0645\u0627\u062a\u0643.<\/p>\n<p>28.2. \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627<\/p>\n<p>\u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0646\u0627 \u0644\u0633\u0646\u0627 \u0645\u0644\u0632\u0645\u064a\u0646 \u0628\u0623\u064a \u0627\u0644\u062a\u0632\u0627\u0645 \u0646\u0627\u0634\u0626 \u0639\u0646 \u0623\u0648 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u062d\u062f\u062b \u062e\u0627\u0631\u062c \u0639\u0646 \u0633\u064a\u0637\u0631\u062a\u0646\u0627 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 (\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0627 \u0627\u0644\u062d\u0635\u0631) \u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0642\u0636\u0627\u0621 \u0648\u0627\u0644\u0642\u062f\u0631 \u0623\u0648 \u0627\u0644\u062d\u0631\u0628 \u0623\u0648 \u0627\u0644\u0634\u063a\u0628 \u0623\u0648 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0639\u062f\u0627\u0626\u064a\u0629 \u0623\u0648 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u064a \u0623\u0648 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u0623\u0648 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\u0627\u0646\u0647\u064a\u0627\u0631\u0647\u0627.<\/p>\n<p>\u0643\u0645\u0627 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0646\u0627 \u0644\u0633\u0646\u0627 \u0645\u0644\u0632\u0645\u064a\u0646 \u0625\u0644\u0627 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0645\u0648\u062c\u0628 \u062d\u0643\u0645 \u0642\u0636\u0627\u0626\u064a \u0646\u0647\u0627\u0626\u064a \u0628\u0623\u0646\u0647\u0627 \u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0623\u064a \u0627\u062d\u062a\u064a\u0627\u0644 \u0623\u0648 \u0625\u0647\u0645\u0627\u0644 \u062c\u0633\u064a\u0645 \u0623\u0648 \u0633\u0648\u0621 \u0633\u0644\u0648\u0643 \u0645\u062a\u0639\u0645\u062f \u0645\u0646 \u062c\u0627\u0646\u0628\u0646\u0627. \u0648\u062a\u0648\u0627\u0641\u0642 \u0623\u064a\u0636\u064b\u0627 \u0639\u0644\u0649 \u0639\u062f\u0645 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start=\"29\">\n<li><strong>\u0639\u062f\u0645 \u0627\u0644\u062a\u062e\u0644\u0651\u064a<\/strong><\/li>\n<\/ol>\n<p>29.1. \u0639\u062f\u0645 \u0627\u0644\u062a\u062e\u0644\u064a<\/p>\n<p>\u062a\u0639\u062f \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0633\u0628\u0644 \u0627\u0644\u0627\u0646\u062a\u0635\u0627\u0641 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u062d\u0642\u0648\u0642\u064b\u0627 \u062a\u0631\u0627\u0643\u0645\u064a\u0629 \u0648\u0644\u0627 \u064a\u064f\u0633\u062a\u062b\u0646\u0649 \u0645\u0646\u0647\u0627 \u0623\u064a \u062d\u0642\u0648\u0642 \u0623\u0648 \u0633\u0628\u0644 \u0627\u0646\u062a\u0635\u0627\u0641 \u064a\u0646\u0635 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u060c \u0648\u0625\u0630\u0627 \u0644\u0645 \u0646\u0645\u0627\u0631\u0633 \u0628\u0639\u0636 \u062d\u0642\u0648\u0642\u0646\u0627\u060c \u0623\u0648 \u0643\u0627\u0646 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\u0627\u0644\u064a\u0648\u0645\u064a\u0629.<\/p>\n<p>31.1. \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064d \u0625\u0630\u0627 \u0627\u0633\u062a\u0648\u0641\u064a\u062a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0623\u0644\u0627 \u064a\u0642\u0644 \u0639\u0645\u0631\u0643 \u0639\u0646 18 \u0639\u0627\u0645\u064b\u0627.<\/li>\n<li>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0642\u064a\u0645\u064b\u0627 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/li>\n<li>\u0623\u0644\u0627 \u064a\u0642\u0644 \u062f\u062e\u0644\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0646 3,000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a.<\/li>\n<\/ul>\n<p>\u0644\u0627 \u064a\u062a\u0637\u0644\u0628 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064d \u062d\u062f\u064b\u0627 \u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u064a\u062f\u0627\u0639\u060c \u0648\u0644\u0633\u062a \u0645\u0644\u0632\u0645\u064b\u0627 \u0628\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u062d\u062f \u0623\u062f\u0646\u0649 \u0645\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u062d\u0633\u0627\u0628\u0643.<\/p>\n<p>31.2. \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0641\u0648\u0627\u0626\u062f\u0647<\/p>\n<p>\u064a\u0648\u0641\u0631 \u0644\u0643 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f\u060c \u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n<ul>\n<li>\u0633\u0646\u0635\u062f\u0631 \u0644\u0643 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0628\u0637\u0627\u0642\u0629 \u062e\u0635\u0645 \u0645\u0631\u0628\u0648\u0637\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a\u060c \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 -\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0637\u0644\u0642- \u0625\u0635\u062f\u0627\u0631 \u062f\u0641\u062a\u0631 \u0634\u064a\u0643\u0627\u062a \u0648\u0627\u062d\u062f \u0645\u0631\u0628\u0648\u0637 \u0628\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0645\u062c\u0627\u0646\u064b\u0627\u060c \u0625\u0644\u0627 \u0623\u0646\u0646\u0627 \u0633\u0646\u0641\u0631\u0636 \u0639\u0644\u064a\u0643 \u0631\u0633\u0648\u0645\u064b\u0627 \u0645\u0642\u0627\u0628\u0644 \u0625\u0635\u062f\u0627\u0631 \u0623\u064a \u062f\u0641\u0627\u062a\u0631 \u0634\u064a\u0643\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629. \u0633\u064a\u0642\u062a\u0635\u0631 \u0639\u062f\u062f \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0641\u064a \u0623\u064a \u062f\u0641\u062a\u0631 \u0634\u064a\u0643\u0627\u062a \u0639\u0644\u0649 \u0639\u0634\u0631\u0629 (10) \u0634\u064a\u0643\u0627\u062a. \u0633\u064a\u062a\u0633\u0646\u0649 \u0644\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0644\u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0633\u062d\u0628 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0647 \u0645\u0646 \u0628\u0639\u0636 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a.<\/li>\n<li>\u064a\u0645\u0643\u0646\u0643 \u0625\u064a\u062f\u0627\u0639 \u0645\u0628\u0627\u0644\u063a \u0646\u0642\u062f\u064a\u0629 \u0641\u064a \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0623\u0648 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646\u0647 \u0645\u062a\u0649 \u0634\u0626\u062a.<\/li>\n<li>\u0633\u064a\u064f\u062f\u0631\u062c \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0641\u064a \u0641\u0626\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627\u060c \u0648\u0642\u062f \u064a\u064f\u062a\u0627\u062d \u0644\u0643 \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0625\u0644\u0649 \u0641\u0626\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0627\u0633\u064a\u0629 \u0648\u0641\u0642\u064b\u0627 \u0644\u0645\u062f\u0629 \u062a\u0648\u0627\u0641\u0631 \u0647\u0627\u062a\u064a\u0646 \u0627\u0644\u0641\u0626\u062a\u064a\u0646 \u0648\u0623\u0647\u0644\u064a\u062a\u0643 (\u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0645\u062d\u062f\u062f \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0628\u0646\u062f 3-1 (\u0643\u064a\u0641 \u064a\u062a\u0633\u0646\u0649 \u0644\u0646\u0627 \u062a\u062d\u062f\u064a\u062f \u0641\u0626\u0629 \u0639\u0636\u0648\u064a\u062a\u0643) \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637).<\/li>\n<li>\u064a\u0645\u0643\u0646\u0643 \u0625\u062f\u0627\u0631\u0629 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643\u060c \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641.<\/li>\n<\/ul>\n<p>31.3. \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062d\u0633\u0627\u0628<\/p>\n<p>\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0639\u0646\u0627\u064a\u0629 \u0648\u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0646\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u0641\u0647\u0645 \u0623\u064a \u0634\u064a\u0621.<\/p>\n<ul>\n<li>\u0627\u0644\u0641\u0627\u0626\u062f\u0629: \u0644\u0627 \u0646\u062f\u0641\u0639 \u0623\u064a \u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u062f\u0627\u0626\u0646\u0629 \u0641\u064a \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a.<\/li>\n<li>\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628: \u0625\u0630\u0627 \u0643\u0627\u0646 \u0631\u0627\u062a\u0628\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0623\u0642\u0644 \u0645\u0646 3,000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0641\u064a \u0623\u0642\u0631\u0628 \u0648\u0642\u062a \u0645\u0645\u0643\u0646\u061b \u0625\u0630 \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u062d\u0648\u064a\u0644 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u0630\u0643\u064a \u0625\u0630\u0627 \u0644\u0645 \u062a\u0639\u062f \u0645\u0633\u062a\u0648\u0641\u064a\u064b\u0627 \u0634\u0631\u0637 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628 \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a.<\/li>\n<li>\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a: \u0633\u064a\u0643\u0648\u0646 \u0644\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u062d\u062f\u0651\u064c \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0633\u062a\u0646\u0627\u062f\u064b\u0627 \u0625\u0644\u0649 \u0641\u0626\u0629 \u0639\u0636\u0648\u064a\u062a\u0643 (\u0627\u0646\u0638\u0631 \u0627\u0644\u0628\u0646\u0648\u062f 39 (\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629)\u060c \u064840 (\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629)\u060c \u064841 (\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0645\u0627\u0633\u064a\u0629) \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637).<\/li>\n<\/ul>\n<ol start=\"32\">\n<li><strong>\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0630\u0643\u064a<\/strong><\/li>\n<\/ol>\n<p>\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0630\u0643\u064a \u0647\u0648 \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064d \u0628\u062f\u0648\u0646 \u0634\u064a\u0643\u0627\u062a \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629.<\/p>\n<p>32.1. \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0630\u0643\u064a \u0625\u0630\u0627 \u0627\u0633\u062a\u0648\u0641\u064a\u062a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0623\u0644\u0627 \u064a\u0642\u0644 \u0639\u0645\u0631\u0643 \u0639\u0646 18 \u0639\u0627\u0645\u064b\u0627.<\/li>\n<li>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0642\u064a\u0645\u064b\u0627 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/li>\n<li>\u0623\u0644\u0627 \u064a\u0642\u0644 \u062f\u062e\u0644\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0646 3,000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a.<\/li>\n<\/ul>\n<p>\u0644\u0627 \u064a\u062a\u0637\u0644\u0628 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0630\u0643\u064a \u062d\u062f\u064b\u0627 \u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u064a\u062f\u0627\u0639\u060c \u0648\u0644\u0633\u062a \u0645\u0644\u0632\u0645\u064b\u0627 \u0628\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u062d\u062f \u0623\u062f\u0646\u0649 \u0645\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u062d\u0633\u0627\u0628\u0643.<\/p>\n<p>32.2. \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0641\u0648\u0627\u0626\u062f\u0647<\/p>\n<p>\u064a\u0648\u0641\u0631 \u0644\u0643 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0630\u0643\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n<ul>\n<li>\u0633\u0646\u0635\u062f\u0631 \u0644\u0643 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0628\u0637\u0627\u0642\u0629 \u062e\u0635\u0645 \u0645\u0631\u0628\u0648\u0637\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0630\u0643\u064a \u0645\u062c\u0627\u0646\u064b\u0627. \u0633\u064a\u062a\u0633\u0646\u0649 \u0644\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0644\u0644\u0633\u062d\u0628 \u0645\u0646 \u0628\u0639\u0636 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0648\u0637\u0644\u0628 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0646 \u062d\u0633\u0627\u0628\u0643. \u064a\u064f\u0631\u062c\u0649 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646 \u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u063a\u064a\u0631 \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629.<\/li>\n<li>\u0633\u064a\u064f\u062f\u0631\u062c \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0630\u0643\u064a \u0641\u064a \u0641\u0626\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627\u060c \u0623\u0645\u0627 \u0641\u0626\u0629 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(\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629)\u060c \u064840 (\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629)\u060c \u064841 (\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0645\u0627\u0633\u064a\u0629) \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637).<\/li>\n<\/ul>\n<ol start=\"33\">\n<li><strong>\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0634\u062a\u0631\u0643<\/strong><\/li>\n<\/ol>\n<p>\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0647\u0648 \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064d \u062a\u0642\u0648\u0645 \u0628\u0645\u0634\u0627\u0631\u0643\u062a\u0647 \u0645\u0639 \u0634\u062e\u0635 \u0622\u062e\u0631.<\/p>\n<p>33.1. \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 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\u0641\u064a \u062d\u0633\u0627\u0628\u0643.<\/p>\n<p>34.2. \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0641\u0648\u0627\u0626\u062f\u0647<\/p>\n<p>\u064a\u0648\u0641\u0631 \u0644\u0643 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f. \u0648\u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n<ul>\n<li>\u0633\u0646\u0635\u062f\u0631 \u0644\u0643 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0628\u0637\u0627\u0642\u0629 \u062e\u0635\u0645 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643. \u0648\u064a\u0631\u062c\u0649 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646 \u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0634\u064a\u0643\u0627\u062a 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\u064a\u0628\u0644\u063a 18 \u0639\u0627\u0645\u064b\u0627.<\/p>\n<p>35.1. \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u064f\u0635\u0631 \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0627\u0633\u062a\u064a\u0641\u0627\u0621 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u0646\u062a \u0627\u0644\u0648\u0627\u0644\u062f \u0623\u0648 \u0627\u0644\u0648\u0635\u064a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0639\u0644\u0649 \u0642\u0627\u0635\u0631 \u0648\u062a\u0631\u063a\u0628 \u0641\u064a \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0627\u0644\u0646\u064a\u0627\u0628\u0629 \u0639\u0646\u0647.<\/li>\n<li>\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0642\u064a\u0645\u064b\u0627 \u0641\u064a \u0646\u0641\u0633 \u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0642\u0627\u0635\u0631.<\/li>\n<li>\u0623\u0646 \u062a\u0642\u062f\u0645 \u0644\u0646\u0627 \u0627\u0644\u0623\u062f\u0644\u0629 \u0627\u0644\u0643\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0631\u0636\u064a\u0629 \u0639\u0644\u0649 \u0639\u0644\u0627\u0642\u062a\u0643 \u0628\u0627\u0644\u0642\u0627\u0635\u0631. \u0633\u0648\u0641 \u0646\u062a\u062d\u0642\u0642 \u0645\u0646 \u0639\u0644\u0627\u0642\u062a\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0647\u0648\u064a\u0629 (\u0641\u064a \u062d\u0627\u0644\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u0648\u0627\u0644\u062f \u0627\u0644\u0642\u0627\u0635\u0631) \u0623\u0648 \u0623\u0645\u0631 \u0645\u0646 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 (\u0625\u0630\u0627 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\u0648\u0627\u062d\u062f \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0648\u0642\u062a.<\/p>\n<p>36.2. \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0641\u0648\u0627\u0626\u062f\u0647<\/p>\n<p>\u064a\u0648\u0641\u0631 \u0644\u0643 \u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f. \u0648\u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n<ul>\n<li>\u064a\u0645\u0643\u0646\u0643 \u2013 \u0628\u0635\u0641\u062a\u0643 \u0635\u0627\u062d\u0628 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u2013 \u062f\u0639\u0648\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646 \u0644\u064a\u0635\u0628\u062d\u0648\u0627 \u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0625\u0636\u0627\u0641\u064a\u064a\u0646 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\u0634\u064a\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062e\u062f\u0645\u0629 \u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643 \u0648\u0647\u0648 \u0645\u0627 \u0644\u0627 \u064a\u0641\u064a \u0628\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0628\u0646\u062f \u0631\u0642\u0645 36-4 (\u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0647\u0644\u0629).<\/li>\n<li>\u0639\u062f\u0645 \u062a\u0632\u0648\u064a\u062f\u0646\u0627 \u0628\u0623\u0635\u0644 \u0627\u0644\u0634\u064a\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/li>\n<li>\u0643\u0627\u0646 \u0644\u062f\u064a\u0646\u0627 \u0623\u0633\u0628\u0627\u0628 \u0645\u0639\u0642\u0648\u0644\u0629 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\u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n<p>\u0644\u0643\u064a \u062a\u0638\u0644 \u0639\u0636\u0648\u064b\u0627 \u0641\u064a \u0641\u0626\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u0633\u062a\u0648\u0641\u064a \u0623\u062d\u062f \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644:<\/p>\n<ul>\n<li>\u064a\u0628\u0644\u063a \u0631\u0627\u062a\u0628\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0645\u0628\u0644\u063a \u0648\u0642\u062f\u0631\u0647 20000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a \u0623\u0648 \u0623\u0643\u062b\u0631 \u0648\u064a\u062a\u0645 \u062f\u0641\u0639 90% \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0645\u0646 \u0631\u0627\u062a\u0628\u0643 \u0641\u064a \u062d\u0633\u0627\u0628\u0643 \u0641\u064a \u0643\u0644 \u0634\u0647\u0631.<\/li>\n<li>\u064a\u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637\u00a0\u200b\u200b\u0631\u0635\u064a\u062f \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0645\u0628\u0644\u063a\u0627\u064b \u0648\u0642\u062f\u0631\u0647 10,000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a \u0623\u0648 \u0623\u0643\u062b\u0631.<\/li>\n<li>\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u064a\u0628\u0644\u063a 5000 \u062f\u0631\u0647\u0645 \u0625\u0645\u0627\u0631\u0627\u062a\u064a \u0623\u0648 \u0623\u0643\u062b\u0631.<\/li>\n<\/ul>\n<p>\u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0648\u0641\u0627\u0626\u0643 \u0628\u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0644\u0643\u0646\u0643 \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u0628\u0642\u0627\u0621 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\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f<\/p>\n<p>\u064a\u0631\u062c\u0649 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0641\u0627\u0635\u064a\u0644 \u062d\u0648\u0644 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0623\u062e\u0631\u0649 \u0644\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0628\u0644\u0627\u062a\u064a\u0646\u064a\u0629<\/p>\n<p>40.3. \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/p>\n<p>\u064a\u0631\u062c\u0649 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u062d\u062f\u0648\u062f 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\u062e\u062f\u0645\u0629 \u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643.<\/p>\n<p><strong>\u062e\u062f\u0645\u0629<\/strong>\u00a0<strong>\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643<\/strong>: \u062a\u0639\u0646\u064a \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u064a \u0646\u0642\u062f\u0645\u0647\u0627 \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0625\u0631\u0633\u0627\u0644 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0644\u0645\u0639\u0627\u0644\u062c\u062a\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643.<\/p>\n<p><strong>\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a:\u00a0<\/strong>\u062a\u0639\u0646\u064a \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u0648\u0641\u0631\u0647\u0627 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0648\u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u0628\u0643\u0629 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u062a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0625\u062c\u0631\u0627\u0621 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\u0627\u0644\u0634\u062e\u0635\u064a.<\/p>\n<p><strong>\u062c\u062f\u0648\u0644 \u0627\u0644\u0631\u0633\u0648\u0645<\/strong>: \u064a\u0639\u0646\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u064a\u062c\u0648\u0632 \u0623\u0646 \u062a\u0637\u0628\u0642 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0648\u0627\u0644\u0645\u0646\u0634\u0648\u0631 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u064a\u0645\u0643\u0646\u0643 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0645\u0646\u0627 \u0646\u0633\u062e\u0629 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0645\u0646 \u0627\u0644\u0623\u0648\u0642\u0627\u062a.<\/p>\n<p><strong>\u0648\u062d\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0630\u0627\u062a\u064a\u0629<\/strong>: \u062a\u0639\u0646\u064a \u0623\u064a \u0648\u062d\u062f\u0629 \u0623\u0648 \u062c\u0647\u0627\u0632 \u062a\u0641\u0627\u0639\u0644\u064a (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0627\u0643\u064a\u0646\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a) \u062a\u0642\u0648\u0645 \u0628\u062a\u0634\u063a\u064a\u0644\u0647 \u0648\u062a\u0633\u0647\u0644 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0634\u0645\u0644 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u062f\u0627\u062e\u0644 \u062d\u0633\u0627\u0628\u0643 \u0648\u062e\u0627\u0631\u062c\u0647 \u0648\u0643\u0630\u0644\u0643 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0625\u0644\u0649 \u0623\u0637\u0631\u0627\u0641 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\u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0625\u062c\u0631\u0627\u0621 \u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0623\u064a \u062e\u062f\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641.<\/p>\n<p><strong>\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>: \u062a\u0639\u0646\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645.<\/p>\n<p><strong>\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a<\/strong>: \u062a\u0639\u0646\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0641\u064a \u062d\u064a\u0646 \u062a\u0639\u0646\u064a \u201c\u0627\u0644\u0625\u0645\u0627\u0631\u0629\u201d \u0623\u064a \u0625\u0645\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0633\u0628\u0639.<\/p>\n<p><strong>\u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:\u00a0<\/strong>\u064a\u0634\u064a\u0631 \u0625\u0644\u0649\u00a0<a href=\"https:\/\/www.mbank.ae\/\">www.mbank.ae<\/a>.<\/p>\n<p style=\"text-align: right;\">(\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u2013 V2)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u064a\u064f\u0642\u0635\u062f \u0628\u0647 \u0627\u0644\u062d\u0633\u0627\u0628 (\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a) \u0627\u0644\u062a\u064a \u062a\u0645\u0644\u0643\u0647\u0627 \u0644\u062f\u064a\u0646\u0627 \u0648\u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637. AED \u064a\u064f\u0642\u0635\u062f \u0628\u0647 \u0627\u0644\u062f\u0631\u0647\u0645 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u064a. AMB \u064a\u064f\u0634\u064a\u0631 \u0625\u0644\u0649 \u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a \u0630.\u0645.\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062a\u062d\u0631\u0643 \u064a\u064f\u0642\u0635\u062f \u0628\u0647\u0627 \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u0645\u0635\u0631\u0641 \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u0644\u0643 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628\u0643 \u0648\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0623\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u064a\u064f\u0642\u0635\u062f \u0628\u0647\u0627 \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0648\u0641\u0631\u0647\u0627 [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3441","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 - \u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 - \u0628\u0646\u0643 \u0627\u0644\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\" \/>\n<meta property=\"og:description\" content=\"\u064a\u064f\u0642\u0635\u062f \u0628\u0647 \u0627\u0644\u062d\u0633\u0627\u0628 (\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a) \u0627\u0644\u062a\u064a \u062a\u0645\u0644\u0643\u0647\u0627 \u0644\u062f\u064a\u0646\u0627 \u0648\u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637. 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