{"id":27,"date":"2025-02-06T03:42:21","date_gmt":"2025-02-06T03:42:21","guid":{"rendered":"https:\/\/demo2wpopal.b-cdn.net\/legalik\/legal-strategies-to-protect-your-business\/"},"modified":"2026-02-16T12:11:37","modified_gmt":"2026-02-16T12:11:37","slug":"the-legal-use-of-cheques-and-bank-guarantees-in-qatars-commercial-contracts","status":"publish","type":"post","link":"https:\/\/ghanimlawfirm.qa\/ar\/the-legal-use-of-cheques-and-bank-guarantees-in-qatars-commercial-contracts\/","title":{"rendered":"\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0644\u0644\u0634\u064a\u0643\u0627\u062a \u0648\u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u0642\u0648\u062f \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0642\u0637\u0631\u064a\u0629"},"content":{"rendered":"
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\u0627\u0644\u0634\u0643\u0648\u0649 \u0627\u0644\u062c\u0646\u0627\u0626\u064a\u0629:<\/h6>

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    • \u064a\u0642\u062f\u0651\u0650\u0645 \u0627\u0644\u062d\u0627\u0645\u0644 (\u0623\u0648 \u0645\u062d\u0627\u0645\u064a\u0647) \u0637\u0644\u0628\u064b\u0627 \u0644\u062f\u0649 \u0642\u0633\u0645 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630. \u0648\u064a\u062c\u0628 \u0625\u0631\u0641\u0627\u0642 \u0623\u0635\u0644 \u0627\u0644\u0634\u064a\u0643\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0639\u062f\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643\u060c \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u062f\u064a\u0646.<\/li>
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    • \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u064a\u062c\u0648\u0632 \u0644\u0644\u0642\u0627\u0636\u064a \u0625\u0635\u062f\u0627\u0631 \u0623\u0648\u0627\u0645\u0631 \u0628\u0627\u0644\u062d\u062c\u0632 \u0639\u0644\u0649 \u0627\u0644\u0623\u0635\u0648\u0644. \u0648\u064a\u0634\u062c\u0651\u0639 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u2014 \u0645\u062b\u0644 \u0627\u0644\u062d\u062c\u0632 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u0623\u0635\u0648\u0644.<\/li>
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      \u0627\u0644\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0644\u062e\u0637\u0627\u0628\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0628\u0646\u0643\u064a\u0629:<\/h6>
      • \u062e\u0637\u0627\u0628 \u0636\u0645\u0627\u0646 \u0627\u0628\u062a\u062f\u0627\u0626\u064a (\u0636\u0645\u0627\u0646 \u0627\u0644\u0639\u0637\u0627\u0621 \/ Bid Bond): \u064a\u064f\u0642\u062f\u0651\u064e\u0645 \u0645\u0646 \u0642\u0650\u0628\u0644 \u0627\u0644\u0645\u062a\u0646\u0627\u0642\u0635 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0642\u0635\u0629 \u0644\u0636\u0645\u0627\u0646 \u0623\u0646\u0647 \u0625\u0630\u0627 \u0631\u064f\u0633\u0650\u064a \u0639\u0644\u064a\u0647 \u0627\u0644\u0639\u0642\u062f \u0641\u0633\u064a\u0648\u0642\u0651\u0639\u0647 \u0648\u064a\u0642\u062f\u0651\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u061b \u0648\u0625\u0644\u0627 \u062c\u0627\u0632 \u062a\u0633\u064a\u064a\u0644 \u0627\u0644\u0636\u0645\u0627\u0646 \u0644\u062a\u0639\u0648\u064a\u0636 \u0645\u0627\u0644\u0643 \u0627\u0644\u0645\u0634\u0631\u0648\u0639. \u062a\u0643\u0648\u0646 \u0642\u064a\u0645\u062a\u0647 \u0639\u0627\u062f\u0629\u064b 1\u20133% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0637\u0627\u0621\u060c \u0648\u064a\u0638\u0644 \u0633\u0627\u0631\u064a\u064b\u0627 \u0637\u0648\u0627\u0644 \u0645\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0639\u0637\u0627\u0621.<\/li>
      • \u0636\u0645\u0627\u0646 \u0627\u0644\u0623\u062f\u0627\u0621 (Performance Guarantee): \u064a\u0628\u0644\u063a \u0639\u0627\u062f\u0629\u064b \u0646\u062d\u0648 10% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0642\u062f\u060c \u0648\u064a\u0642\u062f\u0651\u0645\u0647 \u0627\u0644\u0645\u0642\u0627\u0648\u0644\/\u0627\u0644\u0645\u0648\u0631\u0651\u062f \u0644\u0636\u0645\u0627\u0646 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0639\u0642\u062f \u062a\u0646\u0641\u064a\u0630\u064b\u0627 \u0623\u0645\u064a\u0646\u064b\u0627. \u0648\u0625\u0630\u0627 \u0623\u062e\u0641\u0642 \u0627\u0644\u0645\u0642\u0627\u0648\u0644 \u0641\u064a \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0623\u0648 \u0641\u064a \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u064a\u062c\u0648\u0632 \u0644\u0631\u0628\u0651 \u0627\u0644\u0639\u0645\u0644 \u062a\u0633\u064a\u064a\u0644 \u0647\u0630\u0627 \u0627\u0644\u0636\u0645\u0627\u0646 \u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u062e\u0633\u0627\u0626\u0631.<\/li>
      • \u0636\u0645\u0627\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0645\u0642\u062f\u0651\u0645\u0629 (Advance Payment Guarantee): \u0625\u0630\u0627 \u0642\u062f\u0651\u0645 \u0631\u0628\u0651 \u0627\u0644\u0639\u0645\u0644\/\u0627\u0644\u0639\u0645\u064a\u0644 \u062f\u0641\u0639\u0629 \u0645\u0642\u062f\u0651\u0645\u0629 (\u0631\u0633\u0648\u0645 \u062a\u0639\u0628\u0626\u0629\/\u062a\u062d\u0631\u064a\u0643) \u0644\u0644\u0645\u0642\u0627\u0648\u0644\u060c \u064a\u0642\u062f\u0651\u0645 \u0627\u0644\u0645\u0642\u0627\u0648\u0644 \u0636\u0645\u0627\u0646\u064b\u0627 \u0628\u0642\u064a\u0645\u0629 \u0645\u0633\u0627\u0648\u064a\u0629 \u064a\u0636\u0645\u0646 \u0631\u062f\u0651 \u0627\u0644\u0645\u0628\u0644\u063a \u0625\u0630\u0627 \u0644\u0645 \u064a\u0641\u0650 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0647. \u0648\u064a\u062a\u0646\u0627\u0642\u0635 \u0627\u0644\u0636\u0645\u0627\u0646 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0645\u0639 \u062a\u0642\u062f\u0651\u0645 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/li>
      • \u0636\u0645\u0627\u0646 \u0627\u0644\u0633\u062f\u0627\u062f (Payment Guarantee): \u0642\u062f \u064a\u0642\u062f\u0651\u0645 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0639\u0646\u062f \u0641\u062a\u062d \u0639\u0642\u062f \u0634\u0631\u0627\u0621 \u0636\u0645\u0627\u0646\u064b\u0627 (\u0623\u0648 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0645\u0633\u062a\u0646\u062f\u064a\u064b\u0627 \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u064b\u0627 Standby L\/C) \u0644\u0637\u0645\u0623\u0646\u0629 \u0627\u0644\u0628\u0627\u0626\u0639 \u0625\u0644\u0649 \u0627\u0633\u062a\u0644\u0627\u0645 \u062b\u0645\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0633\u0644\u0651\u0645\u0629\u060c \u0648\u0644\u0627 \u0633\u064a\u0645\u0627 \u0641\u064a \u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0624\u062c\u0651\u0644.<\/li>
      • \u0636\u0645\u0627\u0646 \u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0627\u0633\u062a\u0628\u0642\u0627\u0621 (Retention Money Guarantee): \u0628\u062f\u064a\u0644\u064b\u0627 \u0639\u0646 \u062d\u062c\u0632 \u0631\u0628\u0651 \u0627\u0644\u0639\u0645\u0644 \u0644\u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u062d\u062a\u0649 \u0627\u0643\u062a\u0645\u0627\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u060c \u064a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u0645\u0642\u0627\u0648\u0644 \u062a\u0642\u062f\u064a\u0645 \u0636\u0645\u0627\u0646 \u0628\u0642\u064a\u0645\u0629 \u0645\u0645\u0627\u062b\u0644\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0643\u0627\u0645\u0644\u0629\u060c \u0648\u064a\u064f\u0641\u0631\u062c \u0639\u0646 \u0627\u0644\u0636\u0645\u0627\u0646 \u0628\u0639\u062f \u0627\u0646\u0642\u0636\u0627\u0621 \u0641\u062a\u0631\u0629 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u064a\u0648\u0628.<\/li>
      • \u062e\u0637\u0627\u0628\u0627\u062a \u0636\u0645\u0627\u0646 \u0644\u0644\u062c\u0645\u0627\u0631\u0643\/\u0627\u0644\u0636\u0631\u0627\u0626\u0628 (Customs\/Tax Guarantees): \u062a\u064f\u0635\u062f\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u0623\u064a\u0636\u064b\u0627 \u0636\u0645\u0627\u0646\u0627\u062a \u0644\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062c\u0645\u0631\u0643\u064a\u0629 \u0623\u0648 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a (\u0623\u0642\u0644 \u0634\u064a\u0648\u0639\u064b\u0627 \u0644\u0644\u0642\u0627\u0631\u0626 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0639\u0627\u0645\u060c \u0644\u0643\u0646\u0647\u0627 \u0630\u0627\u062a \u0635\u0644\u0629 \u0641\u064a \u0633\u064a\u0627\u0642\u0627\u062a \u0645\u062d\u062f\u0651\u062f\u0629).<\/li>
      • \u0636\u0645\u0627\u0646 \u0627\u0644\u0636\u0645\u0627\u0646\/\u0627\u0644\u0643\u0641\u0627\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u064a\u0648\u0628 (Warranty Guarantee): \u0634\u0628\u064a\u0647 \u0628\u0636\u0645\u0627\u0646 \u0627\u0644\u0623\u062f\u0627\u0621\u060c \u0648\u064a\u064f\u063a\u0637\u0651\u064a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u064a\u0648\u0628.<\/li><\/ul>

        \u0641\u064a \u0642\u0637\u0631\u060c \u062a\u0643\u0627\u062f\u064f \u062c\u0645\u064a\u0639\u064f \u0627\u0644\u0639\u0642\u0648\u062f \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u062a\u064f\u0644\u0632\u0645 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u0646\u0648\u0627\u0639 \u0645\u0646 \u062e\u0637\u0627\u0628\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0628\u0646\u0648\u0643\u064d \u0645\u0631\u062e\u0651\u0635\u0629 \u0641\u064a \u0627\u0644\u062f\u0648\u0644\u0629. \u0648\u062d\u062a\u0649 \u0635\u0641\u0642\u0627\u062a\u064f \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u064f\u0641\u0636\u0651\u0650\u0644 \u062e\u0637\u0627\u0628\u0627\u062a\u0650 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0644\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

        \n\t\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
        \n\t\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t\t\t\t\t\t
        \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 (\u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0637\u0629) \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0634\u0631\u0648\u0637\u0629:<\/h6>

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        \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0645\u0648\u062d\u0651\u062f \u0623\u0648 \u062a\u0646\u062a\u0647\u0643 \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0636\u0645\u0627\u0646 \u0639\u0642\u0648\u0628\u0627\u062a\u064d \u062c\u0633\u064a\u0645\u0629\u061b \u0625\u0630 \u062a\u0646\u0635\u0651 \u0627\u0644\u0645\u0627\u062f\u0629 (219) \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0639\u0644\u0649 \u063a\u0631\u0627\u0645\u0627\u062a\u064d \u062a\u0635\u0644 \u0625\u0644\u0649 10 \u0645\u0644\u0627\u064a\u064a\u0646 \u0631\u064a\u0627\u0644 \u0642\u0637\u0631\u064a \u0639\u0646 \u0643\u0644\u0651 \u0645\u062e\u0627\u0644\u0641\u0629\u060c \u0625\u0636\u0627\u0641\u0629\u064b \u0625\u0644\u0649 \u063a\u0631\u0627\u0645\u0627\u062a\u064d \u064a\u0648\u0645\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 100 \u0623\u0644\u0641 \u0631\u064a\u0627\u0644 \u0642\u0637\u0631\u064a \u0644\u0644\u0645\u062e\u0627\u0644\u0641\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0651\u0629. \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u062a\u0644\u062a\u0632\u0645 \u062c\u0645\u064a\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0632\u0627\u0645\u064b\u0627 \u0635\u0627\u0631\u0645\u064b\u0627\u2014\u0648\u0639\u0645\u0644\u064a\u064b\u0627\u060c \u0641\u0625\u0646\u0651 \u062c\u0645\u064a\u0639 \u062e\u0637\u0627\u0628\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646 \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0642\u0637\u0631\u064a\u0629 \u0645\u0646\u0630 \u0623\u0648\u0627\u062e\u0631 \u0639\u0627\u0645 2019 \u062a\u062a\u0651\u0628\u0639 \u0627\u0644\u0635\u064a\u063a\u0629 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0629 \u0625\u0644\u0649 \u0642\u0648\u0627\u0639\u062f URDG.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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        \u062a\u064f\u0639\u062f\u0651 \u0642\u0648\u0627\u0639\u062f URDG 758 (\u062a\u0646\u0642\u064a\u062d 2010) \u0645\u062c\u0645\u0648\u0639\u0629 \u0642\u0648\u0627\u0639\u062f \u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u062a\u0646\u0638\u0651\u0645 \u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0637\u0644\u0628 \u0648\u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u0627\u0628\u0644\u0629. \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062e\u0636\u0639 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0644\u0642\u0648\u0627\u0639\u062f URDG 758 (\u0627\u0644\u062a\u064a \u0628\u0627\u062a \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u064a\u064f\u0644\u0632\u0645 \u0628\u0625\u0639\u0645\u0627\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0644\u062f\u064a\u0647)\u060c \u0641\u0625\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>

        • \u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0636\u0645\u0627\u0646: \u0627\u0644\u0636\u0645\u0627\u0646 \u0645\u0633\u062a\u0642\u0644 \u0639\u0646 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0623\u0648 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0623\u0635\u0644\u064a \u0628\u064a\u0646 \u0627\u0644\u0637\u0627\u0644\u0628 \u0648\u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f.<\/li>
        • \u0634\u0643\u0644 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629: \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0643\u062a\u0627\u0628\u064a\u0629 \u0648\u0645\u0634\u0641\u0648\u0639\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0625\u0630\u0627 \u0646\u0635\u0651 \u0627\u0644\u0636\u0645\u0627\u0646 \u0639\u0644\u0649 \u0630\u0644\u0643 (\u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u062a\u0641\u0649 \u0628\u0625\u0641\u0627\u062f\u0629 \u0645\u0648\u0642\u0651\u064e\u0639\u0629 \u062a\u064f\u0642\u0631\u0651 \u0628\u0648\u0642\u0648\u0639 \u0627\u0644\u0625\u062e\u0644\u0627\u0644).<\/li>
        • \u0641\u062d\u0635 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629: \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0641\u062d\u0635 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u062e\u0645\u0633\u0629 \u0623\u064a\u0651\u0627\u0645 \u0639\u0645\u0644 \u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0637\u0627\u0628\u0642\u062a\u0647\u0627 \u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0636\u0645\u0627\u0646.<\/li>
        • \u0627\u0644\u0648\u0641\u0627\u0621 \u0623\u0648 \u0627\u0644\u0631\u0641\u0636 \u0627\u0644\u0645\u0639\u0644\u0651\u0644: \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0645\u0637\u0627\u0628\u0642\u0629\u060c \u0648\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0641\u0627\u0621 \u062f\u0648\u0646 \u0625\u0628\u0637\u0627\u0621. \u0623\u0645\u0651\u0627 \u0625\u0630\u0627 \u0644\u0645 \u062a\u0643\u0646 \u0645\u0637\u0627\u0628\u0642\u0629\u060c \u0641\u0639\u0644\u064a\u0647 \u0627\u0644\u0631\u0641\u0636 \u0648\u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0645\u0639 \u0628\u064a\u0627\u0646 \u0627\u0644\u0623\u0633\u0628\u0627\u0628.<\/li>
        • \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0625\u0641\u0627\u062f\u0627\u062a \u0627\u0644\u062f\u0627\u0639\u0645\u0629: \u0625\u0630\u0627 \u0627\u0634\u062a\u0631\u0637 \u0627\u0644\u0636\u0645\u0627\u0646 \u062a\u0642\u062f\u064a\u0645 \u0628\u064a\u0627\u0646\u064d \u0628\u062f\u0639\u0648\u0649 \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0623\u0648 \u0645\u0627 \u0634\u0627\u0628\u0647\u0647\u060c \u0641\u0630\u0644\u0643 \u064a\u064f\u0639\u062f\u0651 \u0625\u062c\u0631\u0627\u0621\u064b \u0634\u0643\u0644\u064a\u064b\u0627\u061b \u0648\u0644\u0627 \u062a\u062a\u0648\u0644\u0651\u0649 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0627\u0644\u062a\u062d\u0642\u0651\u0642 \u0627\u0644\u0645\u0648\u0636\u0648\u0639\u064a \u0645\u0646 \u0635\u062d\u0629 \u0627\u0644\u0648\u0627\u0642\u0639\u0629\u060c \u0628\u0644 \u062a\u0643\u062a\u0641\u064a \u0628\u0627\u0644\u062a\u062b\u0628\u062a \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0628\u064a\u0627\u0646 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0645\u0637\u0644\u0648\u0628.<\/li>
        • \u0627\u0644\u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u0625\u062c\u0631\u0627\u0626\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649: \u062a\u063a\u0637\u064a URDG \u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0645\u062f\u064a\u062f\u0627\u062a\u060c \u0648\u062a\u062e\u0641\u064a\u0636 \u0645\u0628\u0644\u063a \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u0648\u0634\u0631\u0648\u0637 \u0627\u0644\u0627\u0646\u0642\u0636\u0627\u0621\u060c \u0648\u063a\u064a\u0631\u0647\u0627\u060c \u0628\u0645\u0627 \u064a\u0648\u0641\u0651\u0631 \u0625\u0637\u0627\u0631\u064b\u0627 \u0648\u0627\u0636\u062d\u064b\u0627 \u064a\u062d\u062f\u0651 \u0645\u0646 \u0627\u0644\u063a\u0645\u0648\u0636 \u0648\u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u0625\u062c\u0631\u0627\u0626\u064a\u0629.<\/li><\/ul>

          \u0628\u0641\u0636\u0644 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u0648\u062d\u0651\u064e\u062f\u0629 \u0644\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 (URDG)\u060c \u064a\u062a\u0645\u062a\u0651\u0639 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u0648\u0646 \u0628\u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0623\u0646\u0647\u0645\u060c \u0625\u0630\u0627 \u0628\u0627\u0634\u0631\u0648\u0627 \u062a\u0633\u064a\u064a\u0644 \u0627\u0644\u0636\u0645\u0627\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062c\u0647 \u0627\u0644\u0635\u062d\u064a\u062d\u060c \u0641\u0633\u064a\u062a\u0642\u0627\u0636\u0648\u0646 \u0645\u0633\u062a\u062d\u0642\u0627\u062a\u0647\u0645 \u0645\u0627 \u0644\u0645 \u064a\u0648\u062c\u062f \u0627\u062d\u062a\u064a\u0627\u0644. \u0648\u0642\u062f \u0623\u0634\u0627\u062f\u062a \u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0641\u064a \u0642\u0637\u0631 (ICC Qatar) \u0628\u0640\u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0645\u0648\u062d\u0651\u064e\u062f \u0644\u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a (QCB)\u060c \u0644\u0645\u0627 \u0644\u0647 \u0645\u0646 \u062f\u0648\u0631\u064d \u0641\u064a \u062a\u0642\u0644\u064a\u0635 \u0627\u0644\u062a\u0628\u0627\u064a\u0646\u0627\u062a \u0648\u0645\u0646\u0639 \u0625\u062f\u0631\u0627\u062c \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0625\u0634\u0643\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u0643\u0627\u0646\u062a \u0628\u0639\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u062a\u064f\u0636\u0645\u0651\u0650\u0646\u0647\u0627 \u0633\u0627\u0628\u0642\u064b\u0627\u2014\u0645\u062b\u0644 \u0627\u0634\u062a\u0631\u0627\u0637 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0639\u0628\u0631 \u0627\u0644\u0641\u0627\u0643\u0633\u060c \u0648\u0647\u0648 \u0634\u0631\u0637 \u062c\u0631\u0649 \u0625\u0644\u063a\u0627\u0624\u0647.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

          \n\t\t\t\t\t
          \n\t\t\t\t
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          \n\t\t\t\t\t
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          \u0644\u0648\u0627\u0626\u062d \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643:<\/h6>

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          \u0627\u0633\u062a\u062f\u0639\u0627\u0621 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 (\u0622\u0644\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629):<\/h6>

          \u0644\u062a\u0646\u0641\u064a\u0630 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u064a\u0648\u062c\u0651\u0647 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0639\u0627\u062f\u0629\u064b \u0645\u0637\u0627\u0644\u0628\u0629\u064b \u0643\u062a\u0627\u0628\u064a\u0629 \u0625\u0644\u0649 \u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u064f\u0635\u062f\u0650\u0631\u060c \u0645\u0639 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0631\u0642\u0645 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u0648\u0625\u0631\u0641\u0627\u0642 \u0623\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0645\u0634\u062a\u0631\u0637\u0629. \u0648\u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062e\u0637\u0627\u0628 \u062e\u0627\u0636\u0639\u064b\u0627 \u0644\u0642\u0648\u0627\u0639\u062f URDG\u060c \u0641\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u062a\u0637\u0644\u0628 \u0645\u0627 \u064a\u0644\u064a:<\/p>

          • \u0631\u0633\u0627\u0644\u0629 \u0645\u0648\u0642\u0651\u064e\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u064a\u0637\u0627\u0644\u0628 \u0641\u064a\u0647\u0627 \u0628\u0645\u0628\u0644\u063a [\u0627\u0644\u0645\u0628\u0644\u063a] \u0628\u0645\u0648\u062c\u0628 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0631\u0642\u0645 [X] \u0628\u0633\u0628\u0628 \u00ab\u0625\u062e\u0644\u0627\u0644 [\u0637\u0627\u0644\u0628 \u0627\u0644\u0636\u0645\u0627\u0646] \u0628\u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0639\u0642\u062f\u00bb \u0623\u0648 \u0628\u0635\u064a\u0627\u063a\u0629 \u0645\u0645\u0627\u062b\u0644\u0629 \u064a\u0634\u062a\u0631\u0637\u0647\u0627 \u0627\u0644\u0646\u0635.<\/li>
          • \u0625\u0639\u0627\u062f\u0629 \u0623\u0635\u0644 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0623\u0648 \u0646\u0633\u062e\u0629 \u0645\u0646\u0647 (\u0628\u062d\u0633\u0628 \u0627\u0644\u0634\u0631\u0648\u0637).
            \u0641\u064a \u0642\u0637\u0631\u060c \u062a\u064f\u0635\u0627\u063a \u062e\u0637\u0627\u0628\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646 \u063a\u0627\u0644\u0628\u064b\u0627 \u0628\u062d\u064a\u062b \u062a\u0646\u0642\u0636\u064a \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0645\u062d\u062f\u062f \u0645\u0627 \u0644\u0645 \u062a\u064f\u0645\u062f\u0651\u064e\u062f. \u0648\u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629\u060c \u0648\u062c\u0628 \u0639\u0644\u064a\u0647 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0641\u064a \u0623\u0648 \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0646\u0642\u0636\u0627\u0621. \u0643\u0645\u0627 \u062a\u0634\u062a\u0631\u0637 \u0639\u0642\u0648\u062f\u064c \u0643\u062b\u064a\u0631\u0629 \u0628\u0642\u0627\u0621 \u0627\u0644\u062e\u0637\u0627\u0628 \u0633\u0627\u0631\u064a\u064b\u0627 \u0644\u0641\u062a\u0631\u0629 (\u0645\u062b\u0644 90 \u064a\u0648\u0645\u064b\u0627 \u0628\u0639\u062f \u0627\u0644\u0625\u0646\u062c\u0627\u0632). \u0648\u0625\u0630\u0627 \u0638\u0647\u0631\u062a \u0645\u0634\u0643\u0644\u0629 \u0642\u0631\u0628 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0646\u0642\u0636\u0627\u0621 \u0648\u0631\u0641\u0636 \u0627\u0644\u0645\u0642\u0627\u0648\u0644 \u0627\u0644\u062a\u0645\u062f\u064a\u062f\u060c \u0641\u0642\u062f \u064a\u064f\u0633\u0627\u0631\u0639 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0625\u0644\u0649 \u0627\u0633\u062a\u062f\u0639\u0627\u0621 \u0627\u0644\u0636\u0645\u0627\u0646.
            \u062a\u0644\u062a\u0632\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0642\u0627\u0646\u0648\u0646\u064b\u0627\u060c \u0639\u0646\u062f \u062a\u0644\u0642\u064a\u0647\u0627 \u0645\u0637\u0627\u0644\u0628\u0629 \u0645\u0637\u0627\u0628\u0642\u0629 \u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u0628\u0627\u0644\u0633\u062f\u0627\u062f \u0636\u0645\u0646 \u0627\u0644\u0645\u0647\u0644\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 (\u0648\u0639\u0627\u062f\u0629\u064b \u062e\u0644\u0627\u0644 \u064a\u0648\u0645\u064a\u0646 \u062a\u0642\u0631\u064a\u0628\u064b\u0627\u060c \u063a\u064a\u0631 \u0623\u0646\u0651 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u0648\u062d\u0651\u064e\u062f\u0629 \u0644\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 (URDG) \u062a\u0646\u0635\u0651 \u0639\u0644\u0649 \u062d\u062f\u0651\u064d \u0623\u0642\u0635\u0649 \u062e\u0645\u0633\u0629 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644 \u0644\u0644\u0641\u062d\u0635 \u062b\u0645 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0631\u064a). \u0648\u064a\u062a\u0645 \u0627\u0644\u0633\u062f\u0627\u062f \u0639\u0627\u062f\u0629\u064b \u0628\u0627\u0644\u0635\u0648\u0631\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 (\u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0639\u0628\u0631 \u0642\u064a\u062f \u0645\u0628\u0627\u0634\u0631 \u0641\u064a \u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0623\u0648 \u0625\u0635\u062f\u0627\u0631 \u0634\u064a\u0643 \u0645\u0635\u0631\u0641\u064a\/\u0634\u064a\u0643 \u0645\u064f\u0635\u062f\u0651\u064e\u0642 Manager\u2019s Cheque).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
            \n\t\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
            \n\t\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t\t\t
            \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0645\u0642\u0627\u0628\u0644 \u0645\u064f\u0642\u062f\u0651\u0650\u0645 \u0627\u0644\u0637\u0644\u0628:<\/h6>

            \u062d\u0642\u0651\u064f \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0648\u0627\u0636\u062d\u064c \u0648\u0628\u0633\u064a\u0637\u2014\u0645\u062a\u0649 \u062a\u0648\u0627\u0641\u0631\u062a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0633\u062a\u062d\u0642\u0651\u064e \u0627\u0644\u0642\u0628\u0636. \u0623\u0645\u0651\u0627 \u0645\u064f\u0642\u062f\u0651\u0650\u0645 \u0627\u0644\u0637\u0644\u0628 (\u0645\u0646 \u0627\u0633\u062a\u0635\u062f\u0631 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646) \u0641\u062f\u0641\u0627\u0639\u0627\u062a\u0647 \u0645\u062d\u062f\u0648\u062f\u0629\u064c \u0644\u0648\u0642\u0641 \u0645\u0637\u0627\u0644\u0628\u0629\u064d \u063a\u064a\u0631 \u0645\u064f\u062d\u0650\u0642\u0651\u0629. \u0648\u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0642\u0637\u0631\u064a\u060c \u064a\u064f\u0639\u062f\u0651 \u0627\u0644\u063a\u0634 \u0623\u0648 \u0625\u0633\u0627\u0621\u0629 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u0627\u0644\u062d\u0642 \u0645\u0646 \u0627\u0644\u0623\u0633\u0633 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u064f\u062c\u064a\u0632 \u0644\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u062f\u062e\u0651\u0644 \u0644\u0648\u0642\u0641 \u0635\u0631\u0641 \u0645\u0628\u0644\u063a \u0627\u0644\u0636\u0645\u0627\u0646\u060c \u063a\u064a\u0631 \u0623\u0646\u0651 \u0639\u062a\u0628\u0629 \u0627\u0644\u062a\u062f\u062e\u0651\u0644 \u0647\u0646\u0627 \u0645\u0631\u062a\u0641\u0639\u0629. \u0648\u0642\u062f \u0623\u0634\u0627\u0631\u062a \u0645\u062d\u0643\u0645\u0629 \u0642\u0637\u0631 \u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c \u0641\u064a \u0642\u0636\u064a\u0629\u064d \u0637\u064f\u0628\u0651\u0650\u0642\u062a \u0641\u064a\u0647\u0627 \u0642\u0648\u0627\u0639\u062f URDG 758\u060c \u0625\u0644\u0649 \u0635\u0639\u0648\u0628\u0629 \u0625\u0635\u062f\u0627\u0631 \u0623\u0645\u0631\u064d \u0628\u0645\u0646\u0639 \u062a\u0633\u064a\u064a\u0644\/\u0635\u0631\u0641 \u062e\u0637\u0627\u0628 \u0636\u0645\u0627\u0646\u064d \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 \u0641\u064a \u063a\u064a\u0627\u0628 \u062f\u0644\u064a\u0644\u064d \u0648\u0627\u0636\u062d \u0639\u0644\u0649 \u0627\u0644\u063a\u0634. \u0648\u0627\u0644\u0645\u0646\u0637\u0642 \u0641\u064a \u0630\u0644\u0643 \u0647\u0648 \u0635\u0648\u0646 \u0627\u0644\u062b\u0642\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0648\u0627\u062a\u061b \u0625\u0630 \u0644\u0648 \u0628\u0627\u062a \u0625\u064a\u0642\u0627\u0641\u064f \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u064f\u062a\u0627\u062d\u064b\u0627 \u0628\u0633\u0647\u0648\u0644\u0629\u060c \u0644\u062a\u0642\u0648\u0651\u0636\u062a \u0641\u0627\u0639\u0644\u064a\u062a\u064f\u0647\u0627.
            Thus, in practice, an applicant\u2019s remedy if they believe the call was unjustified is to pay (via the bank) and then separately sue the beneficiary for wrongful call (breach of contract or unjust enrichment). For instance, if a project owner call a performance bond without actual default, the contractor can later arbitrate or litigate to recover that money, but meanwhile, the bank had to pay. This dynamic is accepted as part of the utility of guarantees.
            Risks and Costs: Bank guarantees offer security but at a cost:<\/p>

            • \u062a\u0643\u0644\u0641\u0629 \u0639\u0644\u0649 \u0637\u0627\u0644\u0628 \u0627\u0644\u0636\u0645\u0627\u0646: \u064a\u062f\u0641\u0639 \u0639\u0627\u062f\u0629\u064b \u0639\u0645\u0648\u0644\u0629\u064b \u0644\u0644\u0645\u0635\u0631\u0641 (\u0645\u062b\u0644\u064b\u0627 \u0661\u066a \u0633\u0646\u0648\u064a\u064b\u0627 \u0645\u0646 \u0642\u064a\u0645\u0629 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646)\u060c \u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0642\u062f\u0651\u0645 \u0636\u0645\u0627\u0646\u0627\u062a\/\u0631\u0647\u0648\u0646\u0627\u062a<\/li>
            • \u0645\u062e\u0627\u0637\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f: \u062a\u062a\u0645\u062b\u0644 \u0623\u0633\u0627\u0633\u064b\u0627 \u0641\u064a \u062a\u0639\u062b\u0631 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u064f\u0635\u062f\u0650\u0631 \u0623\u0648 \u062e\u0636\u0648\u0639\u0647 \u0644\u0639\u0642\u0648\u0628\u0627\u062a. \u0648\u0628\u0648\u062c\u0647\u064d \u0639\u0627\u0645\u060c \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0642\u0637\u0631\u064a\u0629 \u0645\u0633\u062a\u0642\u0631\u0629\u060c \u0648\u0641\u064a \u0627\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f \u064a\u064f\u0624\u0643\u0651\u064e\u062f \u0627\u0644\u0636\u0645\u0627\u0646 \u0639\u0627\u062f\u0629\u064b \u0645\u0646 \u0628\u0646\u0643 \u0645\u062d\u0644\u064a \u0625\u0630\u0627 \u0635\u062f\u0631 \u0639\u0646 \u0628\u0646\u0643 \u0623\u062c\u0646\u0628\u064a.<\/li>
            • \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0634\u064a\u0643\u0627\u062a: \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0634\u064a\u0643 \u0644\u0627 \u064a\u0643\u0644\u0651\u0641 \u0631\u0633\u0648\u0645\u064b\u0627 \u0639\u0645\u0644\u064a\u064b\u0627\u060c \u0644\u0643\u0646\u0647 \u064a\u062d\u0645\u0644 \u062e\u0637\u0631 \u0627\u0644\u0627\u0631\u062a\u062f\u0627\u062f. \u0623\u0645\u0651\u0627 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0641\u064a\u0639\u0643\u0633 \u0627\u0644\u0645\u0644\u0627\u0621\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0644\u0627 \u0627\u0644\u0645\u0634\u062a\u0631\u064a<\/li>
            • \u0645\u062e\u0627\u0637\u0631 \u0639\u0645\u0644\u064a\u0629 \u0644\u0644\u0636\u0645\u0627\u0646: \u0644\u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621\u061b \u0641\u0625\u0630\u0627 \u0646\u0634\u0623 \u0646\u0632\u0627\u0639\u064c \u0628\u0639\u062f \u0627\u0644\u0627\u0646\u0642\u0636\u0627\u0621 \u0648\u0646\u0633\u064a \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u062a\u062c\u062f\u064a\u062f\u0647 \u0623\u0648 \u0627\u0633\u062a\u062f\u0639\u0627\u0621\u0647\u060c \u0641\u0642\u062f \u064a\u0641\u0642\u062f \u062a\u0644\u0643 \u0627\u0644\u062d\u0645\u0627\u064a\u0629. \u0623\u0645\u0651\u0627 \u0627\u0644\u0634\u064a\u0643\u0627\u062a\u060c \u0641\u064a\u0645\u0643\u0646 \u0646\u0638\u0631\u064a\u064b\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u062d\u062a\u0649 \u0627\u0646\u0642\u0636\u0627\u0621 \u0645\u062f\u062f \u0627\u0644\u062a\u0642\u0627\u062f\u0645 (\u0646\u062d\u0648 \u0666 \u0623\u0634\u0647\u0631 \u0644\u0644\u062a\u0642\u062f\u064a\u0645\u060c \u0625\u0636\u0627\u0641\u0629\u064b \u0625\u0644\u0649 \u0633\u0646\u062a\u064a\u0646\u2013\u062b\u0644\u0627\u062b \u0633\u0646\u0648\u0627\u062a \u0644\u0644\u0634\u0643\u0648\u0649 \u0627\u0644\u062c\u0646\u0627\u0626\u064a\u0629 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0639\u0644\u0645\u060c \u0625\u0644\u062e). \u0648\u0628\u0648\u062c\u0647\u064d \u0639\u0627\u0645\u060c \u064a\u0645\u0643\u0646 \u062a\u0646\u0641\u064a\u0630 \u0634\u064a\u0643\u064d \u0645\u0624\u0631\u0651\u062e\u064d \u0627\u0644\u064a\u0648\u0645 \u0642\u0636\u0627\u0626\u064a\u064b\u0627 \u0641\u064a \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u062a\u0627\u0644\u064a.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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              \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629: \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0645\u0642\u0627\u0628\u0644 \u062e\u0637\u0627\u0628\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646:<\/strong><\/h6>

              \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0637\u0631\u0641\u064d \u064a\u0637\u0644\u0628 \u0636\u0645\u0627\u0646\u064b\u0627 (\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0627\u0644\u0628\u0627\u0626\u0639 \u0623\u0648 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644):<\/p>

              • \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0628\u0646\u0643\u064a \u0623\u0642\u0648\u0649 \u0641\u064a \u0643\u0641\u0627\u0644\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0644\u0623\u0646 \u0627\u0644\u0628\u0646\u0643 \u0645\u064f\u0644\u0632\u064e\u0645 \u0628\u0627\u0644\u062f\u0641\u0639 (\u0634\u0631\u064a\u0637\u0629 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0648\u062c\u0647 \u0627\u0644\u0635\u062d\u064a\u062d \u0648\u0636\u0645\u0646 \u0641\u062a\u0631\u0629 \u0627\u0644\u0633\u0631\u064a\u0627\u0646). \u0648\u0647\u0648 \u0644\u0627 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0634\u062a\u0631\u064a \u0648\u0642\u062a \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u2014\u0625\u0630 \u064a\u062a\u0643\u0641\u0651\u0644 \u0627\u0644\u0628\u0646\u0643 \u0628\u0627\u0644\u0633\u062f\u0627\u062f\u2014\u0643\u0645\u0627 \u064a\u062a\u062c\u0646\u0628 \u0639\u0646\u0627\u0621 \u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0627\u0644\u062f\u0641\u0639 \u064a\u062a\u0645 promptly \u0639\u0646\u062f \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629. \u0648\u062a\u0632\u062f\u0627\u062f \u0642\u064a\u0645\u062a\u0647 \u0641\u064a \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0623\u0648 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 (\u062d\u064a\u062b \u064a\u0643\u0648\u0646 \u062e\u0637\u0631 \u062a\u0639\u062b\u0651\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u063a\u064a\u0631 \u0647\u064a\u0651\u0646).<\/li>
              • \u0627\u0644\u0634\u064a\u0643 \u0623\u0633\u0647\u0644 \u0625\u0635\u062f\u0627\u0631\u064b\u0627 \u0648\u0644\u0627 \u064a\u0643\u0644\u0651\u0641 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0634\u064a\u0626\u064b\u0627. \u0641\u0625\u0646 \u0635\u064f\u0631\u0641 \u0641\u0628\u0647\u0627\u060c \u0648\u0625\u0646 \u0644\u0645 \u064a\u064f\u0635\u0631\u0641 \u0644\u062c\u0623 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0625\u0644\u0649 \u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629. \u063a\u064a\u0631 \u0623\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0627\u062a \u0645\u0631\u062a\u0647\u0646 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0628\u0642\u062f\u0631\u0629 \u0627\u0644\u0633\u0627\u062d\u0628 \u0639\u0644\u0649 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0628\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062d\u062c\u0632. \u0648\u0642\u062f \u064a\u064e\u062d\u0645\u0644 \u0627\u0644\u062a\u062c\u0631\u064a\u0645 \u0627\u0644\u0633\u0627\u062d\u0628\u064e \u0639\u0644\u0649 \u0627\u0644\u062f\u0641\u0639\u060c \u0644\u0643\u0646 \u0625\u0630\u0627 \u0623\u0641\u0644\u0633 \u0623\u0648 \u0641\u0631\u0651 \u0645\u0646 \u0627\u0644\u0628\u0644\u0627\u062f \u0641\u0642\u062f \u0644\u0627 \u064a\u064e\u0624\u0648\u0644 \u0627\u0644\u0634\u064a\u0643 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641 \u0625\u0644\u0649 \u0634\u064a\u0621 (\u0633\u0648\u0649 \u0627\u0644\u0639\u0648\u0627\u0642\u0628 \u0627\u0644\u062c\u0632\u0627\u0626\u064a\u0629).<\/li>
              • \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0631\u062a\u062f\u0651 \u0627\u0644\u0634\u064a\u0643 \u0641\u062a\u0628\u062f\u0623 \u0623\u0646\u062a \u0627\u0644\u0645\u0637\u0627\u0631\u062f\u0629\u061b \u0623\u0645\u0651\u0627 \u0645\u0639 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 \u0641\u062a\u0646\u0627\u0644 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648\u0644\u064b\u0627 (\u0645\u0646 \u0627\u0644\u0628\u0646\u0643)\u060c \u062b\u0645 \u064a\u062a\u0648\u0644\u0651\u0649 \u0627\u0644\u0628\u0646\u0643\u064f \u0644\u0627\u062d\u0642\u064b\u0627 \u0645\u0644\u0627\u062d\u0642\u0629\u064e \u0627\u0644\u0645\u0634\u062a\u0631\u064a (\u0637\u0627\u0644\u0628 \u0627\u0644\u0625\u0635\u062f\u0627\u0631).<\/li>
              • \u063a\u064a\u0631 \u0623\u0646 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u062a\u062a\u0637\u0644\u0651\u0628 \u062a\u0639\u0627\u0648\u0646\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0634\u062a\u0631\u064a (\u0625\u0630 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0642\u062f\u0651\u0645 \u0637\u0644\u0628 \u0627\u0644\u0625\u0635\u062f\u0627\u0631 \u0648\u0631\u0628\u0645\u0627 \u064a\u0648\u062f\u0650\u0639 \u0646\u0642\u062f\u064b\u0627 \u0623\u0648 \u064a\u0642\u062f\u0651\u0645 \u0636\u0645\u0627\u0646\u0627\u062a\u064d \u0639\u064a\u0646\u064a\u0629). \u0648\u0642\u062f \u062a\u0641\u062a\u0642\u0631 \u0628\u0639\u0636\u064f \u0627\u0644\u0645\u0646\u0634\u0622\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0648 \u0625\u0644\u0649 \u062d\u062f \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u064a\u0643\u0641\u064a \u0644\u0625\u0635\u062f\u0627\u0631 \u0636\u0645\u0627\u0646\u064d \u0643\u0628\u064a\u0631\u060c \u0641\u064a\u0639\u0631\u0636\u0648\u0646 \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0630\u0644\u0643 \u0634\u064a\u0643\u0627\u062a\u064d \u0645\u0624\u062c\u0651\u064e\u0644\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u060c \u0648\u0647\u064a \u0623\u062e\u0637\u0631 \u0639\u0644\u0649 \u0627\u0644\u0628\u0627\u0626\u0639 \u0644\u0643\u0646\u0647\u0627 \u062a\u064f\u0642\u0628\u064e\u0644 \u0643\u062b\u064a\u0631\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u0635\u063a\u0631 \u0644\u062f\u0648\u0627\u0639\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0629.<\/li>
              • \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0642\u062f \u064a\u064f\u0633\u064a\u0621 \u0627\u0631\u062a\u062f\u0627\u062f \u0627\u0644\u0634\u064a\u0643 \u0625\u0644\u0649 \u0627\u0644\u0633\u062c\u0644\u0651 \u0627\u0644\u062c\u0646\u0627\u0626\u064a \u0644\u0645\u064f\u0635\u062f\u0650\u0631\u0647\u061b \u0628\u064a\u0646\u0645\u0627 \u064a\u064f\u0639\u062f\u0651 \u0639\u062f\u0645\u064f \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0628\u0646\u0643 \u0628\u0639\u062f \u062a\u0633\u064a\u064a\u0644 \u0627\u0644\u0636\u0645\u0627\u0646 \u0645\u0633\u0623\u0644\u0629\u064e \u062f\u064a\u0646\u064d \u0645\u062f\u0646\u064a (\u0645\u0627 \u0644\u0645 \u064a\u062b\u0628\u062a \u0627\u062d\u062a\u064a\u0627\u0644). \u0644\u0630\u0627 \u0642\u062f \u064a\u0641\u0636\u0651\u0644 \u0628\u0639\u0636 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0636\u0628\u0637\u064a\u0646 \u0625\u0635\u062f\u0627\u0631\u064e \u0634\u064a\u0643\u0627\u062a\u064d \u0623\u0645\u0644\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0627\u0637\u0644\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646\u0647\u0645 \u0645\u0639 \u0627\u0644\u0636\u0645\u0627\u0646 \u064a\u0641\u0642\u062f\u0648\u0646 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0645\u0642\u062f\u0651\u064e\u0645 \u0641\u0648\u0631\u064b\u0627.<\/li>
              • \u0625\u0646 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0641\u064a \u0642\u0637\u0631 \u064a\u0648\u062d\u064a \u0628\u0633\u064a\u0627\u0633\u0629\u064d \u062a\u064f\u0634\u062c\u0651\u0639 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0633\u0631\u064a\u0639\u2014\u0648\u0647\u0648 \u0646\u0647\u062c\u064c \u064a\u064e\u062a\u0651\u0633\u0642 \u0645\u0639\u0647 \u062e\u0637\u0627\u0628 \u0627\u0644\u0636\u0645\u0627\u0646 (\u0633\u062f\u0627\u062f\u064c \u0641\u0648\u0631\u064a\u060c \u062b\u0645 \u062a\u064f\u0633\u0648\u0651\u0649 \u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0644\u0627\u062d\u0642\u064b\u0627).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0630\u064a \u064a\u0633\u062a\u0641\u0633\u0631 \u0639\u0646 \u0627\u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645:<\/p>

                • \u0627\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0644\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0623\u0628\u0633\u0637 \u0648\u0627\u0644\u0623\u0635\u063a\u0631 \u0648\u0627\u0644\u0623\u0642\u0635\u0631 \u0623\u062c\u0644\u0627\u064b\u060c \u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u062b\u0642\u0629 \u0628\u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0645\u0639\u0642\u0648\u0644\u0629 \u0648\u0644\u0643\u0646\u0643 \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0645\u062a\u0644\u0627\u0643 \u0623\u062f\u0627\u0629 \u0636\u063a\u0637 \u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0623\u0648 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0630\u0651\u0631 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062e\u0637\u0627\u0628 \u0636\u0645\u0627\u0646 (\u0645\u062b\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\/\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629).<\/li>
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                  \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629: \u064a\u0646\u0628\u063a\u064a \u0623\u064a\u0636\u064b\u0627 \u0645\u0631\u0627\u0639\u0627\u0629 \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u0627\u0644\u062f\u0648\u0644\u064a\u0629\u061b<\/h6>

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