{"id":200,"date":"2024-12-16T11:50:20","date_gmt":"2024-12-16T08:50:20","guid":{"rendered":"https:\/\/paylaterapp.com\/?page_id=200"},"modified":"2026-06-07T18:07:50","modified_gmt":"2026-06-07T15:07:50","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/paylaterapp.com\/ar\/terms-conditions\/","title":{"rendered":"Terms & Conditions"},"content":{"rendered":"

\u064a\u064f\u0631\u062c\u0649 \u0642\u0631\u0627\u0621\u0629 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 (“\u0627\u0644\u0634\u0631\u0648\u0637”<\/strong>) \u0628\u0639\u0646\u0627\u064a\u0629. \u0628\u0627\u0644\u0646\u0642\u0631 \u0644\u0642\u0628\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0627 \u0648\u062a\u0642\u0631\u0651 \u0628\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0634\u0631\u0643\u0629 Pay Later Website Services (“\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0633\u0631\u064a\u0627\u0646”<\/strong>). \u0627\u0644\u0639\u0646\u0627\u0648\u064a\u0646 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0633\u062a\u0646\u062f \u0647\u064a \u0644\u0623\u063a\u0631\u0627\u0636 \u0645\u0631\u062c\u0639\u064a\u0629 \u0641\u0642\u0637. \u0648\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u0637\u0628\u0627\u0639\u0629 \u0646\u0633\u062e\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0644\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0647\u0627 \u0641\u064a \u0633\u062c\u0644\u0627\u062a\u0643.<\/p>\n

1. \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637<\/strong><\/p>\n

1.1<\/strong> \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u062a\u0645\u062b\u0644 \u0639\u0642\u062f\u0627\u064b \u0628\u064a\u0646\u0643 (“\u0623\u0646\u062a”\u060c “\u0627\u0644\u0639\u0645\u064a\u0644”\u060c “\u0627\u0644\u062e\u0627\u0635 \u0628\u0643”<\/strong>) \u0648\u0628\u064a\u0646 Pay Later Website Services (“PayLater”\u060c “\u0646\u062d\u0646”\u060c “\u0646\u0627”\u060c “\u0644\u0646\u0627”<\/strong>)\u060c \u0648\u064a\u064f\u0634\u0627\u0631 \u0625\u0644\u0649 \u0643\u0644 \u0637\u0631\u0641 \u0645\u0646\u0647\u0627 \u0639\u0644\u0649 \u062d\u062f\u0629 \u0628\u0640”\u0627\u0644\u0637\u0631\u0641” \u0648\u0645\u062c\u062a\u0645\u0639\u064a\u0646 \u0628\u0640”\u0627\u0644\u0623\u0637\u0631\u0627\u0641”.<\/p>\n

1.2<\/strong> \u062a\u064f\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u0627\u064b \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 PayLater \u062a\u062d\u0643\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u063a\u064a\u0631 \u0627\u0644\u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u062d\u0648\u064a\u0644 (\u0625\u0644\u0627 \u0628\u0645\u0648\u0627\u0641\u0642\u0629 \u0643\u062a\u0627\u0628\u064a\u0629 \u0645\u0633\u0628\u0642\u0629 \u0645\u0646\u0627) \u0644\u062e\u062f\u0645\u0627\u062a PayLater (\u0643\u0645\u0627 \u0647\u064a \u0645\u062d\u062f\u062f\u0629 \u0623\u062f\u0646\u0627\u0647)\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0648\u0642\u0639 PayLater \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062a\u0637\u0628\u064a\u0642 PayLater \u0648\u0623\u064a \u0645\u064a\u0632\u0627\u062a \u0623\u0648 \u0645\u0646\u062a\u062c\u0627\u062a \u0642\u062f \u062a\u0648\u0641\u0631\u0647\u0627 \u0644\u0643 PayLater \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 PayLater \u0623\u0648 \u0645\u0648\u0642\u0639\u0647\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a. \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0646\u0642\u0644 \u0623\u0648 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0648\u0623\u064a \u062d\u0642\u0648\u0642 \u0628\u0645\u0648\u062c\u0628\u0647\u0627\u060c \u0625\u0644\u0649 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u062f\u0648\u0646 \u0625\u062e\u0637\u0627\u0631\u0643 \u0623\u0648 \u062f\u0648\u0646 \u0645\u0648\u0627\u0641\u0642\u062a\u0643.<\/p>\n

1.3 \u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629:<\/strong> \u062a\u062a\u0636\u0645\u0646 \u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629 \u0634\u0631\u0627\u0621 \u0622\u0646\u064d \u0648\u062f\u0641\u0639 \u0644\u0627\u062d\u0642 (BNPL) \u062b\u0644\u0627\u062b\u0629 \u0623\u0637\u0631\u0627\u0641: (\u0623) \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0627\u0644\u0630\u064a \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u061b (\u0628) \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0627\u0644\u0630\u064a \u064a\u0648\u0631\u0651\u062f \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u061b \u0648(\u062c) PayLater\u060c \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0627\u0644\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u062a\u0633\u062f\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u0634\u0631\u0627\u0621 \u0644\u0644\u062a\u0627\u062c\u0631 \u0646\u064a\u0627\u0628\u0629\u064b \u0639\u0646 \u0627\u0644\u0639\u0645\u064a\u0644. \u0648\u0644\u0627 \u062a\u064f\u0639\u062f PayLater \u0637\u0631\u0641\u0627\u064b \u0641\u064a \u0639\u0642\u062f \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0645\u0628\u0631\u0645 \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0648\u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u062c\u0648\u062f\u0629 \u0623\u064a \u0633\u0644\u0639 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a \u062a\u0645 \u0634\u0631\u0627\u0624\u0647\u0627 \u0623\u0648 \u0639\u0646 \u062a\u0633\u0644\u064a\u0645\u0647\u0627 \u0623\u0648 \u0645\u0644\u0627\u0621\u0645\u062a\u0647\u0627.<\/p>\n

2. \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a<\/strong><\/p>\n

“\u0627\u0644\u062d\u0633\u0627\u0628”<\/strong> \u0644\u0647 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u0646\u0633\u0648\u0628 \u0644\u0647 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0628\u0646\u062f 5.1 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.
\n“\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629”<\/strong> \u062a\u0639\u0646\u064a \u0623\u064a \u0641\u0631\u062f \u0623\u0648 \u0645\u0624\u0633\u0633\u0629 \u0623\u0648 \u0634\u0631\u0627\u0643\u0629 \u0623\u0648 \u0634\u0631\u0643\u0629 \u0630\u0627\u062a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0623\u0648 \u062c\u0645\u0639\u064a\u0629 \u0623\u0648 \u0635\u0646\u062f\u0648\u0642 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0648 \u0643\u064a\u0627\u0646 \u063a\u064a\u0631 \u0645\u0633\u062c\u0644 \u0623\u0648 \u0623\u064a \u0643\u064a\u0627\u0646 \u0642\u0627\u0646\u0648\u0646\u064a \u0622\u062e\u0631 \u064a\u0633\u064a\u0637\u0631 \u0639\u0644\u0649 PayLater \u0623\u0648 \u064a\u062e\u0636\u0639 \u0644\u0633\u064a\u0637\u0631\u062a\u0647\u0627 \u0623\u0648 \u064a\u0642\u0639 \u062a\u062d\u062a \u0633\u064a\u0637\u0631\u0629 \u0645\u0634\u062a\u0631\u0643\u0629 \u0645\u0639\u0647\u0627\u060c \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u0633\u064a\u0637 \u0648\u0627\u062d\u062f (1) \u0623\u0648 \u0623\u0643\u062b\u0631.
\n“\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.
\n“\u0627\u0644\u0642\u0627\u0646\u0648\u0646 (\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646) \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647”<\/strong> \u064a\u0639\u0646\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062a\u0648\u062c\u064a\u0647\u064a\u0629 \u0648\u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.
\n“\u064a\u0648\u0645 \u0627\u0644\u0639\u0645\u0644”<\/strong> \u064a\u0639\u0646\u064a \u064a\u0648\u0645\u0627\u064b \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u062c\u0645\u0639\u0629 \u0648\u0627\u0644\u0633\u0628\u062a \u0623\u0648 \u0627\u0644\u0639\u0637\u0644\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643\/\u0627\u0644\u0639\u0637\u0644\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.
\n“\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b” \u0623\u0648 “BNPL”<\/strong> \u064a\u062d\u0645\u0644 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5.2.
\n“\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b”<\/strong> \u062a\u0639\u0646\u064a \u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.
\n“\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629”<\/strong> \u062a\u0639\u0646\u064a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0646\u0627 \u0623\u0648 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0628\u0639\u0645\u0644\u0627\u0621 PayLater \u063a\u064a\u0631 \u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u060c \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\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u062d\u062f\u062f \u0627\u0644\u0647\u0648\u064a\u0629 \u0623\u0648 \u062a\u062a\u0639\u0644\u0642 \u0628\u0639\u0645\u0644\u0627\u0621 \u0645\u062d\u062f\u062f\u064a\u0646\u061b \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0648\u0627\u0644\u0631\u0624\u0649 \u0648\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u062d\u0648\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0645\u062f\u0629 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (\u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0644\u0644\u0639\u0645\u064a\u0644) \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0628\u064a\u0639 \u0645\u0646\u062a\u062c\u0627\u062a\u0643 \u0648\u0627\u0644\u0645\u062a\u0636\u0645\u0646\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0639\u0629 \u0648\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u0643\u0645\u064a\u0627\u062a \u0648\u0648\u0642\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629\u061b \u0648\u0627\u0644\u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0627\u0644\u0641\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a. \u0648\u0644\u0623\u063a\u0631\u0627\u0636 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u062a\u064f\u0639\u062f \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0644\u0644\u0639\u0645\u064a\u0644 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0633\u0631\u064a\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0648\u0642\u0627\u062a.
\n“\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a”<\/strong> \u062a\u0639\u0646\u064a (\u0623) \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 13 \u0644\u0633\u0646\u0629 2016 \u0644\u062f\u0648\u0644\u0629 \u0642\u0637\u0631\u061b \u0648(\u0628) \u0623\u064a \u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0623\u062e\u0631\u0649 \u0633\u0627\u0631\u064a\u0629 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0648\/\u0623\u0648 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u0645\u0639 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0623\u0646 \u0644\u0640 PayLater \u0627\u0644\u062d\u0642 \u0641\u064a \u0645\u0642\u0627\u0636\u0627\u0629 \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0639\u0645\u0644\u0627\u0621 \u0645\u062a\u0639\u062b\u0631\u064a\u0646 \u0622\u062e\u0631\u064a\u0646\u060c \u0641\u064a \u062f\u0639\u0648\u0649\/\u0634\u0643\u0648\u0649 \u0648\u0627\u062d\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u062d\u0627\u0643\u0645\u060c \u0648\u0647\u0648 \u0645\u0627 \u0644\u0627 \u064a\u064f\u0639\u062f \u0625\u062e\u0644\u0627\u0644\u0627\u064b \u0628\u0628\u0646\u062f \u0627\u0644\u0633\u0631\u064a\u0629.
\n“\u062d\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629”<\/strong> \u064a\u0639\u0646\u064a \u0623\u064a \u0628\u0631\u0627\u0621\u0629 \u0627\u062e\u062a\u0631\u0627\u0639 \u0623\u0648 \u062d\u0642\u0648\u0642 \u0646\u0634\u0631 \u0623\u0648 \u0639\u0644\u0627\u0645\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0627\u0633\u0645 \u0646\u0637\u0627\u0642 \u0623\u0648 \u062d\u0642 \u0623\u062f\u0628\u064a \u0623\u0648 \u062d\u0642 \u0633\u0631\u064a \u062a\u062c\u0627\u0631\u064a \u0623\u0648 \u0623\u064a \u062d\u0642 \u0645\u0644\u0643\u064a\u0629 \u0641\u0643\u0631\u064a\u0629 \u0622\u062e\u0631 \u064a\u0646\u0634\u0623 \u0628\u0645\u0648\u062c\u0628 \u0623\u064a \u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0648\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0648\u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0648\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062f\u0639\u0648\u0649 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0627\u0646\u062a\u0647\u0627\u0643 \u0623\u0648 \u0627\u062e\u062a\u0644\u0627\u0633 \u0623\u0648 \u0627\u0644\u062a\u0639\u062f\u064a \u0639\u0644\u0649 \u0623\u064a \u0645\u0645\u0627 \u0633\u0628\u0642.
\n“\u062a\u0637\u0628\u064a\u0642 PayLater” \u0623\u0648 “\u0627\u0644\u062a\u0637\u0628\u064a\u0642”<\/strong> \u064a\u0639\u0646\u064a \u062a\u0637\u0628\u064a\u0642 PayLater \u0627\u0644\u0630\u064a \u062a\u0642\u062f\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647 PayLater \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u062d\u0644\u0648\u0644 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (“BNPL”<\/strong>)\u060c \u0648\u062d\u0644\u0648\u0644 \u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0623\u062e\u0631\u0649 \u062a\u062a\u064a\u062d\u0647\u0627 PayLater \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.
\n“\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a”<\/strong> \u0644\u0647\u0627 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5.1.
\n“\u0627\u0644\u062e\u062f\u0645\u0629 (\u0627\u0644\u062e\u062f\u0645\u0627\u062a)”<\/strong> \u062a\u0639\u0646\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 PayLater \u0643\u0645\u0627 \u0647\u0648 \u0645\u0648\u0636\u062d \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5.
\n“\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0633\u0629”<\/strong> \u062a\u0639\u0646\u064a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0639\u0645\u064a\u0644\u060c \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 \u0627\u0644\u0627\u0633\u0645 \u0648\u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0648\u0631\u0642\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0648\u0623\u0631\u0642\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0648\u0623\u0631\u0642\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.
\n“\u062e\u0637\u0627\u0628 \u0627\u0644\u062a\u0646\u0627\u0632\u0644”<\/strong> \u064a\u0639\u0646\u064a \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0645\u0628\u0631\u0645\u0629 \u0628\u064a\u0646 PayLater \u0648\u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0623\u0648 \u0645\u0645\u062b\u0644 PayLater \u0644\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u062d\u0642\u0648\u0642\u0647\u0627 \u062a\u062c\u0627\u0647 \u0627\u0644\u0639\u0645\u064a\u0644 (\u0627\u0644\u0639\u0645\u0644\u0627\u0621) \u0628\u0645\u0648\u062c\u0628 \u0625\u062e\u0637\u0627\u0631\u060c \u0648\u064a\u064f\u0639\u062a\u0628\u0631 \u0630\u0644\u0643 \u0625\u0642\u0631\u0627\u0631\u0627\u064b \u0648\u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u062a\u0646\u0627\u0632\u0644.
\n“\u0627\u0644\u0625\u0642\u0644\u064a\u0645”<\/strong> \u064a\u0639\u0646\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.
\n“\u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a”<\/strong> \u064a\u0639\u0646\u064a \u0645\u0648\u0642\u0639 PayLater \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u0630\u064a \u064a\u0645\u0643\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647 \u0639\u0628\u0631 www.paylaterapp.com<\/a>.<\/p>\n

3. \u0627\u0644\u0634\u0631\u0648\u0637<\/strong><\/p>\n

3.1<\/strong> \u062a\u0642\u062f\u0645 PayLater \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646\u060c \u0645\u062b\u0644 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b\u060c \u0648\u062d\u0644\u0648\u0644 \u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0623\u062e\u0631\u0649 \u0645\u062a\u0627\u062d\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0642\u0646\u0648\u0627\u062a\u0646\u0627 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629. \u0648\u064a\u064f\u0639\u062a\u0628\u0631 \u0643\u0644 \u062e\u064a\u0627\u0631 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a “\u062e\u062f\u0645\u0629”<\/strong>\u060c \u0648\u064a\u064f\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627 \u0645\u062c\u062a\u0645\u0639\u0629 \u0628\u0640“\u0627\u0644\u062e\u062f\u0645\u0627\u062a”<\/strong>.<\/p>\n

3.2<\/strong> \u0642\u0628\u0644 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0646\u0632\u064a\u0644 \u062a\u0637\u0628\u064a\u0642 PayLater \u0648\u062a\u062b\u0628\u064a\u062a\u0647\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

3.3<\/strong> \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0634\u0631\u0648\u0637 \u0628\u0639\u0646\u0627\u064a\u0629 \u0642\u0628\u0644 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0627\u060c \u0648\u062a\u062d\u062f\u064a\u062f \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0643 \u0628\u0627\u0644\u0646\u0638\u0631 \u0625\u0644\u0649 \u0638\u0631\u0648\u0641\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n

3.4<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0634\u0631\u0648\u0637 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0648\u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u062a\u0636\u0645\u064a\u0646 \u0623\u064a \u0634\u0631\u0648\u0637 \u062c\u062f\u064a\u062f\u0629 \u0623\u0648 \u0645\u0639\u062f\u0644\u0629. \u0648\u0633\u064a\u062a\u0645 \u0625\u0631\u0633\u0627\u0644 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u0628\u0631\u064a\u062f\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u0645\u0633\u062c\u0644 \u0644\u062f\u064a\u0646\u0627 \u0644\u0625\u0628\u0644\u0627\u063a\u0643 \u0628\u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0645\u064f\u062d\u062f\u064e\u0651\u062b\u060c \u0639\u0644\u0649 \u0623\u0646 \u064a\u064f\u0639\u062a\u0628\u0631 \u0647\u0630\u0627 \u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n

3.5<\/strong> \u0623\u0646\u062a \u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u0645\u0646\u062a\u0638\u0645\u0629 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0625\u062e\u0637\u0627\u0631 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0628\u0623\u064a \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0644\u062a\u0642\u062f\u064a\u0645 \u0645\u0648\u0627\u0641\u0642\u062a\u0643 \u0639\u0644\u064a\u0647\u0627. \u0648\u064a\u064f\u0639\u062a\u0628\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0636 \u0645\u0646 \u062c\u0627\u0646\u0628\u0643 (\u0627\u0644\u0639\u0645\u064a\u0644) \u062e\u0644\u0627\u0644 \u064a\u0648\u0645\u064a\u0646 (2) \u0645\u0646 \u062a\u0627\u0631\u064a\u062e\u0647 \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629.<\/p>\n

4. \u0627\u0644\u0623\u0647\u0644\u064a\u0629<\/strong><\/p>\n

4.1<\/strong> \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u062e\u0635\u0635\u0629 \u062d\u0635\u0631\u064a\u0627\u064b \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0624\u0647\u0644\u064a\u0646.<\/p>\n

4.2<\/strong> \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0645\u062a\u0627\u062d\u0629 \u0641\u0642\u0637 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0624\u0647\u0644\u064a\u0646. \u0648\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0648\u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0639\u0648\u0627\u0645\u0644 \u0645\u062b\u0644 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0633\u062c\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0633\u062c\u0644 \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 (“\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0623\u0647\u0644\u064a\u0629”<\/strong>):<\/p>\n

(\u0623) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0628\u0637\u0627\u0642\u0629 \u0647\u0648\u064a\u0629 \u0642\u0637\u0631\u064a\u0629 \u0633\u0627\u0631\u064a\u0629 (QID)\u061b
\n(\u0628) \u0623\u0646 \u062a\u0642\u064a\u0645 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631 \u0648\u0642\u062f\u0645\u062a \u0639\u0646\u0648\u0627\u0646 \u0625\u0642\u0627\u0645\u062a\u0643 \u0627\u0644\u062f\u0627\u0626\u0645\u061b
\n(\u062c) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0639\u0645\u0631\u0643 18 \u0639\u0627\u0645\u0627\u064b \u0623\u0648 \u0623\u0643\u062b\u0631\u061b
\n(\u062f) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u062d\u0633\u0627\u0628 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0646\u0634\u0637 \u0645\u0633\u062c\u0644 \u0628\u0627\u0633\u0645\u0643\u061b
\n(\u0647\u0640) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641 \u0645\u062d\u0645\u0648\u0644 \u0646\u0634\u0637 \u0645\u0633\u062c\u0644 \u0628\u0627\u0633\u0645\u0643\u061b
\n(\u0648) \u0623\u0646 \u062a\u0643\u0648\u0646 \u0642\u062f \u0642\u062f\u0645\u062a \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629\u061b
\n(\u0632) \u0623\u0646 \u062a\u0642\u0631 \u0628\u0623\u0646 \u0623\u064a \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u062f\u0641\u0639 \u062a\u0646\u0634\u0623 \u0639\u0646 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0633\u064a\u062a\u0645 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0647\u0627 \u0645\u0646 \u062c\u0627\u0646\u0628\u0643 \u0648\u0641\u0642\u0627\u064b \u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0648\u0642\u062a \u0627\u0644\u0634\u0631\u0627\u0621\u061b \u0648
\n(\u062d) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u062d\u0633\u0627\u0628 \u0645\u0635\u0631\u0641\u064a \u0641\u0639\u0651\u0627\u0644 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.<\/p>\n

4.3<\/strong> \u0623\u064a \u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0623\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0645\u0646 \u062c\u0627\u0646\u0628 \u0623\u0641\u0631\u0627\u062f \u0644\u0627 \u064a\u0633\u062a\u0648\u0641\u0648\u0646 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u064a\u064f\u0639\u062a\u0628\u0631 \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647 \u0648\u063a\u064a\u0631 \u0645\u0631\u062e\u0635 \u0648\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u064b \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

5. \u062e\u062f\u0645\u0627\u062a PayLater<\/strong><\/p>\n

5.1<\/strong> \u0631\u0647\u0646\u0627\u064b \u0628\u0637\u0644\u0628\u0643 \u0627\u0644\u0646\u0627\u062c\u062d \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0644\u062f\u0649 PayLater\u060c \u0648\u0639\u0646\u062f \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 (“\u062d\u0633\u0627\u0628 PayLater”<\/strong>)\u060c \u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (“BNPL”<\/strong>)\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0643 \u0634\u0631\u0627\u0621 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\/\u0623\u0648 \u062e\u062f\u0645\u0627\u062a (“\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a”<\/strong>) \u0645\u0646 \u062a\u062c\u0627\u0631 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0633\u0648\u0627\u0621 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0635\u0644\u064a\u0646 \u0628\u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0623\u0648 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a (“\u0627\u0644\u062a\u062c\u0627\u0631”<\/strong>) \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b.<\/p>\n

5.2<\/strong> \u062a\u062a\u064a\u062d \u0644\u0643 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u062f\u0641\u0639 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0646\u062a\u062c (“\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a”<\/strong>) \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0628\u0627\u0644\u063a \u062f\u0641\u0639 \u0623\u0635\u063a\u0631 \u0645\u062a\u0633\u0627\u0648\u064a\u0629 \u062a\u064f\u062f\u0641\u0639 \u0641\u064a \u062a\u0648\u0627\u0631\u064a\u062e \u0645\u062d\u062f\u062f\u0629 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 (“\u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642”<\/strong>) \u0643\u0645\u0628\u0627\u0644\u063a \u0645\u062d\u062f\u062f\u0629 (“\u0627\u0644\u0623\u0642\u0633\u0627\u0637”<\/strong>).<\/p>\n

5.3<\/strong> \u064a\u0645\u0643\u0646\u0643 \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 \u0644\u062f\u0649 \u0628\u0639\u0636 \u0627\u0644\u062a\u062c\u0627\u0631. \u0648\u062a\u062e\u0636\u0639 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0627\u0644\u062f\u0641\u0639 \u0644\u0645\u0631\u0627\u062c\u0639\u062a\u0646\u0627 \u0644\u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0648\u0638\u0631\u0648\u0641\u0643.<\/p>\n

5.4<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0635\u0631\u0627\u062d\u0629\u064b \u0628\u0627\u0644\u062d\u0642\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f\u060c \u0641\u064a \u0631\u0641\u0636 \u0637\u0644\u0628 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u062f\u0648\u0646 \u0625\u0628\u062f\u0627\u0621 \u0623\u064a \u0623\u0633\u0628\u0627\u0628 \u0644\u0630\u0644\u0643.<\/p>\n

5.5<\/strong> \u0625\u0630\u0627 \u0643\u0627\u0646 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0631\u0635\u064a\u062f \u0643\u0627\u0641\u064d \u0623\u0648 \u062a\u0645\u062a \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b\u060c \u0641\u0633\u0646\u062f\u0641\u0639 \u0644\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0634\u062a\u0631\u064a\u0647\u0627 \u0646\u064a\u0627\u0628\u0629\u064b \u0639\u0646\u0643. \u0648\u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0646\u0627 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0639\u0628\u0631 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627\u060c \u0643\u0645\u0627 \u0647\u0648 \u0645\u0648\u0636\u062d \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

5.6<\/strong> \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u062f\u064a\u0646 \u0628\u0647 \u0644\u0640 PayLater \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0647\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0637\u0631\u0648\u062d\u0627\u064b \u0645\u0646\u0647 \u0623\u064a \u0623\u0642\u0633\u0627\u0637 \u0645\u062f\u0641\u0648\u0639\u0629 (“\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642”<\/strong>)\u060c \u0648\u064a\u064f\u0639\u0631\u0636 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643.<\/p>\n

5.7<\/strong> \u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0645\u0644\u0627\u062d\u0638\u0629 \u0623\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u064a \u064a\u0642\u062f\u0645\u0647\u0627 \u0628\u0646\u0643\u0643 \u0623\u0648 \u062c\u0647\u0629 \u0625\u0635\u062f\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0642\u062f \u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644\u0646\u0627. \u0648\u0646\u062d\u0646 \u0644\u0627 \u0646\u0636\u0645\u0646 \u062a\u0648\u0627\u0641\u0631 \u0623\u064a \u062d\u0645\u0627\u064a\u0629 \u0644\u0644\u0634\u0631\u0627\u0621 \u0623\u0648 \u0636\u0645\u0627\u0646 \u0645\u0645\u062a\u062f \u0623\u0648 \u0645\u0632\u0627\u064a\u0627 \u0645\u0645\u0627\u062b\u0644\u0629 \u062a\u0642\u062f\u0645\u0647\u0627 \u0647\u0630\u0647 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0633\u062a\u062e\u062f\u0645 \u062e\u062f\u0645\u0627\u062a PayLater.<\/p>\n

5.8<\/strong> \u0642\u062f \u0646\u0642\u062f\u0645 \u0644\u0643\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f\u060c \u0639\u0631\u0648\u0636\u0627\u064b \u0648\u0645\u0632\u0627\u064a\u0627 \u0645\u062b\u0644 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0641\u0639\u0627\u0644\u064a\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0627\u0644\u0645\u0633\u0628\u0642 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u0644\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0639\u064a\u0646\u0627\u062a \u0648\u0627\u0644\u0647\u062f\u0627\u064a\u0627. \u0648\u062a\u062e\u0636\u0639 \u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0639\u0631\u0648\u0636 \u0623\u0648 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0644\u0634\u0631\u0648\u0637 \u0648\u0623\u062d\u0643\u0627\u0645 \u0645\u0646\u0641\u0635\u0644\u0629 \u062d\u0633\u0628\u0645\u0627 \u064a\u062a\u0645 \u0625\u062e\u0637\u0627\u0631\u0643 \u0628\u0647.<\/p>\n

5.9 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b:<\/strong> \u064a\u064f\u0645\u0646\u062d \u0627\u0644\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0627\u0644\u0645\u0642\u062f\u0645 \u0645\u0646 PayLater \u062d\u0635\u0631\u064a\u0627\u064b \u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u0634\u0631\u0627\u0621 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\/\u0623\u0648 \u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u064a\u0646. \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0623\u064a \u063a\u0631\u0636 \u0622\u062e\u0631\u060c \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 \u0627\u0644\u0633\u0644\u0641 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0623\u0648 \u0623\u064a \u0646\u0634\u0627\u0637 \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0628\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0629 PayLater.<\/p>\n

5.10 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0645\u0646\u062a\u062c \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b:<\/strong> \u064a\u0642\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0623\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0645\u062a\u0623\u0635\u0644\u0629\u060c \u062a\u0634\u0645\u0644: (\u0623) \u062e\u0637\u0631 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0645\u0627 \u064a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0633\u062f\u0627\u062f \u0641\u064a \u062d\u0627\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0634\u0631\u0627\u0621 \u0622\u0646\u064d \u0648\u062f\u0641\u0639 \u0644\u0627\u062d\u0642 \u0645\u062a\u0639\u062f\u062f\u0629 \u0641\u064a \u0648\u0642\u062a \u0648\u0627\u062d\u062f \u0644\u062f\u0649 \u0645\u0632\u0648\u062f\u064a\u0646 \u0645\u062e\u062a\u0644\u0641\u064a\u0646\u061b (\u0628) \u062e\u0637\u0631 \u0623\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0644\u062f\u0649 \u062c\u0645\u064a\u0639 \u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0644\u0627 \u064a\u062c\u0648\u0632 \u0623\u0646 \u064a\u062a\u062c\u0627\u0648\u0632 25,000 \u0631\u064a\u0627\u0644 \u0642\u0637\u0631\u064a \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u0641\u0642\u0627\u064b \u0644\u0645\u0627 \u064a\u0642\u0636\u064a \u0628\u0647 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u061b (\u062c) \u062e\u0637\u0631 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0633\u0644\u0628\u064a \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062a\u0629 \u0623\u0648 \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629\u061b \u0648(\u062f) \u062e\u0637\u0631 \u062a\u062e\u0641\u064a\u0636 \u062d\u062f\u0648\u062f \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0623\u0648 \u062a\u0639\u0644\u064a\u0642 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0648 \u0633\u0644\u0648\u0643 \u0627\u0644\u0633\u062f\u0627\u062f. \u0648\u064a\u064f\u0646\u0635\u062d \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u062a\u0642\u064a\u064a\u0645 \u0648\u0636\u0639\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u0628\u0644 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b.<\/p>\n

6. \u0628\u064a\u0627\u0646\u0627\u062a\u0643<\/strong><\/p>\n

6.1<\/strong> \u0628\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0625\u0644\u064a\u0646\u0627\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062a\u0641\u0627\u0635\u064a\u0644 \u0635\u062d\u064a\u062d\u0629 \u0648\u062f\u0642\u064a\u0642\u0629 \u0648\u062d\u062f\u064a\u062b\u0629 \u0648\u0643\u0627\u0645\u0644\u0629 \u0641\u0642\u0637\u060c \u0645\u062a\u0639\u0647\u062f\u0627\u064b \u0628\u0639\u062f\u0645 \u062a\u062d\u0631\u064a\u0641 \u0647\u0648\u064a\u062a\u0643 \u0623\u0648 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627.<\/p>\n

6.2<\/strong> \u0643\u0645\u0627 \u062a\u0644\u062a\u0632\u0645 \u0628\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u062f\u0642\u0629 \u0648\u062d\u062f\u0627\u062b\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643. \u0648\u0623\u0646\u062a \u062a\u0624\u0643\u062f \u0623\u0646 \u0623\u064a \u0639\u0646\u0648\u0627\u0646 \u0633\u0643\u0646\u064a \u0623\u0648 \u0639\u0646\u0648\u0627\u0646 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641 \u0645\u062d\u0645\u0648\u0644 \u062a\u0642\u062f\u0645\u0647 \u064a\u062e\u0635\u0643 \u0648\u0623\u0646\u0647 \u0645\u062d\u062f\u0651\u062b. \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647 \u0623\u0646\u0643 \u0633\u062a\u0628\u0644\u063a\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062a\u0637\u0631\u0623 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a.<\/p>\n

6.3<\/strong> \u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u062a\u062c\u0631\u0628\u062a\u0643 \u0645\u0639 \u062e\u062f\u0645\u0627\u062a PayLater\u060c \u0648\u062a\u0632\u0648\u064a\u062f\u0643 \u0628\u0627\u0644\u0639\u0631\u0648\u0636 \u0648\u0627\u0644\u0645\u0632\u0627\u064a\u0627\u060c \u0646\u062d\u062a\u0641\u0638 \u0628\u0633\u062c\u0644\u0627\u062a \u0645\u0634\u062a\u0631\u064a\u0627\u062a\u0643 \u0648\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u0643 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 PayLater.<\/p>\n

6.4<\/strong> \u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u062c\u0648\u0632 \u0644\u0640 PayLater \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0625\u062c\u0631\u0627\u0621 \u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0639\u0646\u0643 \u0648\u0637\u0644\u0628 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0646\u0643 \u062a\u0637\u0644\u0628\u0647\u0627 PayLater \u0644\u062a\u0632\u0648\u064a\u062f\u0643 \u0628\u062e\u062f\u0645\u0629 PayLater\u060c \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 \u062f\u0631\u062c\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0648 \u0645\u0624\u0634\u0631 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u062a\u0639\u0644\u0642 \u0628\u0643 \u062a\u0631\u0627\u0647 PayLater \u0645\u0646\u0627\u0633\u0628\u0627\u064b \u0645\u0646 \u0623\u064a \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u0645\u0643\u062a\u0628 \u0627\u0626\u062a\u0645\u0627\u0646 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0643\u062a\u0628 \u0642\u0637\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629) \u0623\u0648 \u0648\u0643\u0627\u0644\u0629 \u0645\u0631\u062c\u0639\u064a\u0629 \u0623\u0648 \u0623\u064a \u0645\u0635\u062f\u0631 \u0622\u062e\u0631 \u062a\u0631\u0627\u0647 PayLater \u0636\u0631\u0648\u0631\u064a\u0627\u064b\u060c \u0644\u062a\u0642\u064a\u064a\u0645 \u0623\u0647\u0644\u064a\u062a\u0643 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater. \u0648\u0642\u062f \u064a\u064f\u0637\u0644\u0628 \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0645\u062f\u064a\u062f \u0623\u0648 \u0632\u064a\u0627\u062f\u0629 \u062d\u062f \u0625\u0646\u0641\u0627\u0642\u0643 \u0623\u0648 \u062a\u062c\u062f\u064a\u062f \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u062a\u062d\u0635\u064a\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0627\u0644\u062a\u062d\u0642\u064a\u0642 \u0641\u064a \u0646\u0632\u0627\u0639.<\/p>\n

6.5<\/strong> \u0623\u0646\u062a \u062a\u0641\u0648\u0636 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 PayLater (\u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646\u0647\u0627) \u0628\u0625\u062c\u0631\u0627\u0621 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0646\u0643 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0623\u0648 \u0627\u0644\u0642\u0628\u0648\u0644 \u0645\u0646\u0643 \u0623\u0648 \u0625\u062e\u0637\u0627\u0631\u0643\u060c \u0644\u0623\u063a\u0631\u0627\u0636 \u062a\u062d\u062f\u064a\u062f \u0623\u0647\u0644\u064a\u062a\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062e\u062f\u0645\u0627\u062a PayLater.<\/p>\n

6.6<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0646\u062c\u0645\u0639\u0647\u0627 \u0623\u0648 \u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646 \u0633\u062c\u0644 \u0633\u062f\u0627\u062f\u0643 \u0648\u0633\u0644\u0648\u0643\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0625\u0644\u0649 \u0623\u064a \u0645\u0643\u0627\u062a\u0628 \u0627\u0626\u062a\u0645\u0627\u0646 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0643\u062a\u0628 \u0642\u0637\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0648 \u0623\u064a \u0648\u0643\u0627\u0644\u0629 \u0623\u062e\u0631\u0649 \u0645\u0635\u0631\u062d \u0628\u0647\u0627 \u0648\u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a (“QCB”<\/strong>))\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647 \u0623\u0648 \u062d\u0633\u0628\u0645\u0627 \u062a\u0642\u062a\u0636\u064a\u0647 \u0644\u0648\u0627\u0626\u062d \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/p>\n

7. \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0648\u0634\u0631\u0648\u0637\u0647\u0627<\/strong><\/p>\n

7.1<\/strong> \u0642\u0628\u0644 \u0627\u0644\u0634\u0631\u0648\u0639 \u0641\u064a \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0623\u064a \u0634\u0631\u0648\u0637 \u0645\u062d\u062f\u062f\u0629 \u0630\u0627\u062a \u0635\u0644\u0629 \u0628\u062a\u0644\u0643 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629.<\/p>\n

7.2<\/strong> \u0628\u0627\u0644\u0646\u0642\u0631 \u0639\u0644\u0649 \u0632\u0631 “\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646”\u060c \u0641\u0625\u0646\u0643 \u062a\u0624\u0643\u062f \u0623\u0646\u0643 \u0642\u062f \u0642\u0631\u0623\u062a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0641\u0647\u0645\u062a\u0647\u0627 \u0648\u0648\u0627\u0641\u0642\u062a \u0639\u0644\u064a\u0647\u0627. \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0639\u0646 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f (\u0625\u0646 \u0648\u062c\u062f\u062a)\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0634\u0631\u0648\u0637.<\/p>\n

7.3<\/strong> \u0623\u0646\u062a \u062a\u0642\u0631 \u0628\u0623\u0646\u0647 \u064a\u062c\u0628 \u062f\u0641\u0639 \u062e\u0645\u0633\u0629 \u0648\u0639\u0634\u0631\u064a\u0646 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 (25%<\/strong>) \u0645\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0642\u0628\u0644 \u0642\u0628\u0648\u0644\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062e\u062f\u0645\u0627\u062a PayLater. \u0648\u064a\u0635\u0628\u062d \u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0648\u0644 \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0648\u0627\u0644\u0648\u0627\u062c\u0628 \u0627\u0644\u062f\u0641\u0639 \u0641\u0648\u0631\u0627\u064b \u0648\u0642\u062a \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c (\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a).<\/p>\n

7.4<\/strong> \u064a\u0644\u062a\u0632\u0645 \u0643\u0644 \u0642\u0633\u0637 \u0644\u0627\u062d\u0642 (\u0623\u0648 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649) \u0628\u062f\u0648\u0631\u0629 \u0641\u0648\u062a\u0631\u0629 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0645\u0633\u0628\u0642\u0627\u064b \u0648\u0627\u0644\u0645\u0648\u0636\u062d\u0629 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643.<\/p>\n

7.5<\/strong> \u0642\u062f \u0644\u0627 \u0646\u0635\u062f\u0631 \u0644\u0643 \u062f\u0627\u0626\u0645\u0627\u064b \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0623\u0648 \u062a\u0630\u0643\u064a\u0631\u0627\u062a \u0628\u0623\u064a \u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0642\u0627\u062f\u0645\u0629 \u0644\u0644\u0623\u0642\u0633\u0627\u0637. \u0648\u062a\u062a\u0648\u0641\u0631 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u062f\u0641\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\/\u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u0648\/\u0623\u0648 \u0641\u064a \u0643\u0634\u0641 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643.<\/p>\n

7.6<\/strong> \u0627\u0639\u062a\u0645\u0627\u062f\u0627\u064b \u0639\u0644\u0649 \u062e\u062f\u0645\u0629 PayLater \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629\u060c \u0642\u062f \u064a\u062a\u0645 \u0642\u0628\u0648\u0644 \u0645\u0635\u0627\u062f\u0631 \u062a\u0645\u0648\u064a\u0644 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0645\u062b\u0644 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0623\u0648 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (\u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0645\u0633\u0628\u0642\u0629 \u0627\u0644\u062f\u0641\u0639). \u0648\u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f\u060c \u0641\u064a \u0631\u0641\u0636 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0623\u0648 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062a\u064a \u062a\u0646\u062a\u0647\u064a \u0635\u0644\u0627\u062d\u064a\u062a\u0647\u0627 \u062e\u0644\u0627\u0644 \u0627\u062b\u0646\u064a \u0639\u0634\u0631 (12) \u0634\u0647\u0631\u0627\u064b \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c. \u0643\u0645\u0627 \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0631\u0641\u0636 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u0643 \u0641\u064a \u062d\u0627\u0644 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0633\u064a\u0626. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0628\u0623\u0646\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0641\u0625\u0646 \u0630\u0644\u0643 \u0633\u064a\u0646\u0639\u0643\u0633 \u0641\u064a \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u062f\u0649 \u0645\u0643\u062a\u0628 \u0642\u0637\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n

7.7<\/strong> \u0642\u062f \u0646\u0637\u0644\u0628 \u0645\u0646\u0643 \u062a\u0633\u062c\u064a\u0644 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0628\u0637\u0627\u0642\u0629 \u0623\u0648 \u0645\u0635\u062f\u0631 \u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u062d\u062f \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u060c \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0633\u062f\u0627\u062f \u0623\u0642\u0633\u0627\u0637\u0643\u060c \u0648\u0633\u0646\u0637\u0644\u0628 \u0645\u0646\u0643 \u062a\u062d\u062f\u064a\u062f \u0628\u0637\u0627\u0642\u0629 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u064a\u062a\u0645 \u062e\u0635\u0645 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0645\u0646\u0647\u0627 \u0645\u0628\u0627\u0634\u0631\u0629.<\/p>\n

7.8<\/strong> \u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0639\u0630\u0631 \u0641\u064a\u0647\u0627 \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u062a\u0643 \u0623\u0648 \u0645\u0635\u062f\u0631 \u062a\u0645\u0648\u064a\u0644\u0643 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062e\u0637\u0637 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0623\u0648 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062c\u0644\u0629\u060c \u0641\u0625\u0646\u0643 \u062a\u0641\u0648\u0636 PayLater \u0628\u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0623\u064a \u0645\u0635\u062f\u0631 \u062a\u0645\u0648\u064a\u0644 \u0622\u062e\u0631 \u0645\u0633\u062c\u0644 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643.<\/p>\n

7.9<\/strong> \u062a\u062d\u062a\u0641\u0638 \u0628\u062e\u064a\u0627\u0631 \u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0623\u0648 \u062c\u0632\u0626\u064a\u0627\u064b \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u062f\u0648\u0646 \u062a\u0643\u0628\u062f \u0623\u064a \u0631\u0633\u0648\u0645 \u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0643\u0631.<\/p>\n

7.10<\/strong> \u0633\u0646\u062d\u062f\u062f \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0648\u0642\u0627\u062a\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0637\u0644\u0642\u060c \u0623\u064a \u0637\u0631\u0642 \u062f\u0641\u0639 \u0645\u0642\u0628\u0648\u0644\u0629\u060c \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0642\u0628\u0648\u0644 \u0623\u064a \u0637\u0631\u064a\u0642\u0629 \u062f\u0641\u0639 \u0645\u0639\u064a\u0646\u0629 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u0644\u0623\u064a \u0633\u0628\u0628.<\/p>\n

7.11<\/strong> \u0625\u0630\u0627 \u0627\u0633\u062a\u062e\u062f\u0645\u062a \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0637\u0631\u064a\u0642\u0629 \u062f\u0641\u0639 \u0623\u062e\u0631\u0649 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0639\u0643\u0633\u060c \u0641\u0625\u0646\u0643 \u062a\u062a\u0646\u0627\u0632\u0644 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0646 \u0623\u064a \u062d\u0642\u0648\u0642 \u0641\u064a \u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0631\u062f \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0623\u0648 \u0639\u0643\u0633\u0647\u0627.<\/p>\n

7.12<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u062a\u0623\u062c\u064a\u0644 \u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0645\u0628\u0644\u063a \u062f\u0641\u0639\u062a\u0643 \u062d\u062a\u0649 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0630\u064a \u0646\u062a\u0644\u0642\u0649 \u0641\u064a\u0647 \u0627\u0644\u062f\u0641\u0639\u0629 \u0641\u064a \u0635\u0648\u0631\u0629 \u0623\u0645\u0648\u0627\u0644 \u0635\u0627\u0641\u064a\u0629.<\/p>\n

7.13<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0623\u0648 \u0625\u0644\u063a\u0627\u0626\u0647\u0627 \u0623\u0648 \u0627\u0646\u062a\u0647\u0627\u0621 \u0635\u0644\u0627\u062d\u064a\u062a\u0647\u0627 \u0623\u0648 \u0627\u0644\u0631\u063a\u0628\u0629 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u062d\u062f\u064a\u062b \u0645\u0646\u0635\u0629 PayLater \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0628\u0628\u0637\u0627\u0642\u0629 \u0645\u0624\u0647\u0644\u0629 \u0642\u0628\u0644 \u062b\u0644\u0627\u062b\u0629 (3) \u0623\u064a\u0627\u0645 \u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062a\u0627\u0644\u064a.<\/p>\n

7.14<\/strong> \u062a\u0642\u0639 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642\u0643 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0644\u0644\u062f\u0641\u0639 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0634\u0631\u0627\u0621 \u0623\u0648 \u0628\u0639\u062f\u0647 \u062a\u0638\u0644 \u0633\u0627\u0631\u064a\u0629 \u0648\u0641\u0639\u0651\u0627\u0644\u0629 \u0648\u0644\u062f\u064a\u0647\u0627 \u0631\u0635\u064a\u062f \u0623\u0648 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u0627\u062d \u0643\u0627\u0641\u064d \u0644\u062a\u063a\u0637\u064a\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0648\u0642\u0628\u0648\u0644 \u0627\u0644\u062a\u0641\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0645\u0633\u0628\u0642\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u062d\u062a\u0649 \u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642.<\/p>\n

7.15<\/strong> \u064a\u062d\u0642 \u0644\u0643 \u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u062f\u0641\u0639 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u062e\u0635\u0645 \u0645\u0636\u0627\u0641\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u0642\u062f\u064a\u0645 \u0628\u0637\u0627\u0642\u0629 \u0628\u062f\u064a\u0644\u0629 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 PayLater \u0642\u0628\u0644 \u062b\u0644\u0627\u062b\u0629 (3) \u0623\u064a\u0627\u0645 \u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0642\u0633\u0637 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0627\u0644\u064a.<\/p>\n

7.16<\/strong> \u0628\u0627\u062e\u062a\u064a\u0627\u0631\u0643 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u062e\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (BNPL) \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639\u060c \u0641\u0625\u0646\u0643 \u062a\u0645\u0646\u062d\u0646\u0627 \u062a\u0641\u0648\u064a\u0636\u0627\u064b \u0628\u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0624\u0647\u0644\u0629 \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u062a\u0647\u0627 \u0648\u0632\u0648\u062f\u062a\u0646\u0627 \u0628\u0647\u0627 \u0633\u0648\u0627\u0621 \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 \u0623\u0648 \u0644\u0627\u062d\u0642\u0627\u064b\u060c \u0644\u0644\u0639\u062f\u062f \u0627\u0644\u0645\u062d\u062f\u062f \u0645\u0646 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0630\u064a \u0627\u062e\u062a\u0631\u062a\u0647 \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639.<\/p>\n

7.17<\/strong> \u0633\u064a\u062a\u0645 \u0639\u0631\u0636 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062f\u0641\u0639 \u0648\u0645\u0628\u0644\u063a \u0643\u0644 \u0642\u0633\u0637 \u0633\u0646\u062e\u0635\u0645\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0642\u0628\u0644 \u0625\u062a\u0645\u0627\u0645 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621.<\/p>\n

7.18<\/strong> \u0623\u0646\u062a \u062a\u0641\u0648\u0636 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0648 \u0623\u064a \u0645\u0646 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u064a\u0646 \u0644\u062f\u064a\u0646\u0627 \u0628\u0645\u0627 \u064a\u0644\u064a:
\n(\u0623) \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0628\u0645\u0628\u0644\u063a \u0642\u0633\u0637 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0634\u0631\u0627\u0621 \u0623\u0648 \u0628\u0639\u062f\u0647\u061b
\n(\u0628) \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0628\u0645\u0628\u0644\u063a \u0643\u0644 \u0642\u0633\u0637 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0643\u0644 \u0642\u0633\u0637\u061b
\n(\u062c) \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0628\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u061b \u0648
\n(\u062f) \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0633\u0637 \u0630\u064a \u0627\u0644\u0635\u0644\u0629 \u0623\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

7.19<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0641\u0634\u0644 \u0623\u064a \u062e\u0635\u0645 \u062a\u0644\u0642\u0627\u0626\u064a \u0644\u0642\u0633\u0637 \u0623\u0648 \u0644\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u060c \u064a\u064f\u0637\u0644\u0628 \u0645\u0646\u0643 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631.<\/p>\n

7.20 \u062e\u064a\u0627\u0631 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0623\u0643\u0628\u0631 (\u062f\u0641\u0639\u0629 \u0623\u0648\u0644\u0649 \u0623\u0639\u0644\u0649):<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0640 PayLater\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f \u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062c\u0627\u0631 \u0645\u062d\u062f\u062f\u064a\u0646\u060c \u0623\u0646 \u062a\u062a\u064a\u062d \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0624\u0647\u0644\u064a\u0646 \u062e\u064a\u0627\u0631 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629 \u0623\u0648\u0644\u0649 \u0623\u0639\u0644\u0649 \u0648\u0642\u062a \u0627\u0644\u062f\u0641\u0639 (“PayMore”<\/strong>). \u0648\u062d\u064a\u062b\u0645\u0627 \u064a\u062a\u0648\u0641\u0631 \u0647\u0630\u0627 \u0627\u0644\u062e\u064a\u0627\u0631\u060c \u064a\u062c\u0648\u0632 \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u062e\u062a\u064a\u0627\u0631 \u062f\u0641\u0639 \u0645\u0628\u0644\u063a \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629 \u0627\u0644\u0628\u0627\u0644\u063a\u0629 \u062e\u0645\u0633\u0629 \u0648\u0639\u0634\u0631\u064a\u0646 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 (25%) \u0643\u0642\u0633\u0637\u0647 \u0627\u0644\u0623\u0648\u0644. \u0648\u064a\u062e\u0636\u0639 \u062e\u064a\u0627\u0631 PayMore \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629: (\u0623) \u064a\u062a\u062d\u062f\u062f \u062a\u0648\u0641\u0631\u0647 \u0641\u0642\u0637 \u0628\u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0644\u0640 PayLater\u060c \u0648\u062a\u062d\u062a\u0641\u0638 PayLater \u0628\u0627\u0644\u062d\u0642 \u0641\u064a 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\u0627\u0644\u0634\u0631\u0627\u0621.<\/p>\n

7.21 \u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0628\u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0646\u0642\u062f\u064a:<\/strong> \u062a\u0639\u0631\u0636 PayLater \u0644\u0644\u0639\u0645\u064a\u0644 \u0648\u0642\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0631\u0646\u0629 \u0648\u0627\u0636\u062d\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0627\u0644\u062f\u0641\u0639 \u0628\u0645\u0648\u062c\u0628 \u062e\u0637\u0629 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0648\u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0645\u0639\u0627\u062f\u0644 \u0644\u0644\u0645\u0646\u062a\u062c\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062a\u0641\u0635\u064a\u0644 \u0645\u0628\u0644\u063a \u0643\u0644 \u0642\u0633\u0637 \u0648\u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642\u0647. \u0648\u0641\u064a \u062d\u0627\u0644 \u0627\u0646\u0637\u0628\u0627\u0642 \u0631\u0633\u0648\u0645 \u062e\u062f\u0645\u0629\u060c \u064a\u062a\u0645 \u062a\u0641\u0635\u064a\u0644\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0646\u0641\u0635\u0644 \u062d\u062a\u0649 \u064a\u062a\u0645\u0643\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0645\u0633\u062a\u0646\u064a\u0631 \u062a\u0645\u0627\u0645\u0627\u064b \u0642\u0628\u0644 \u0627\u0644\u0645\u0636\u064a \u0641\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621.<\/p>\n

8. \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f<\/strong><\/p>\n

8.1<\/strong> \u064a\u062d\u0642 \u0644\u0646\u0627\u060c \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0623\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u062d\u062f\u062f\u0629 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647 \u0628\u0645\u0646\u062d\u0643 \u0641\u062a\u0631\u0629 \u062a\u0635\u062d\u064a\u062d\u060c \u0623\u0646 \u0646\u0639\u0644\u0646 \u062a\u062e\u0644\u0641\u0643 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0644\u0623\u064a \u0645\u0646 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:
\n(\u0623) \u0639\u062f\u0645 \u0633\u062f\u0627\u062f\u0643 \u0623\u064a \u0642\u0633\u0637 \u0628\u062d\u0644\u0648\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u061b
\n(\u0628) \u0627\u0631\u062a\u0643\u0627\u0628\u0643 \u0623\u064a \u0641\u0639\u0644 \u0623\u0648 \u0627\u0645\u062a\u0646\u0627\u0639 \u0646\u0631\u0649 \u0623\u0646\u0647 \u064a\u064f\u0636\u0639\u0641 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u062f\u0641\u0639 \u0623\u0648 \u0642\u062f\u0631\u062a\u0646\u0627 \u0639\u0644\u0649 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0645\u0646\u0643\u061b
\n(\u062c) \u0625\u0644\u063a\u0627\u0624\u0643 \u0645\u0648\u0627\u0641\u0642\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u061b \u0623\u0648
\n(\u062f) \u0648\u0641\u0627\u062a\u0643 \u0623\u0648 \u0641\u0642\u062f\u0627\u0646\u0643 \u0644\u0644\u0623\u0647\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629.<\/p>\n

8.2<\/strong> \u0625\u0630\u0627 \u0623\u064f\u0639\u0644\u0646 \u062a\u062e\u0644\u0641\u0643 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0628\u0623\u0646\u0647 \u064a\u062d\u0642 \u0644\u0646\u0627 \u0645\u0637\u0627\u0644\u0628\u062a\u0643 \u0628\u062f\u0641\u0639 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062a\u0628\u0642\u064a \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631.<\/p>\n

8.3<\/strong> \u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u062d\u0642 \u0644\u0646\u0627 \u0637\u0644\u0628 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0631\u064a \u0644\u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u062a\u0647\u0627 \u0644\u0644\u062a\u0641\u0648\u064a\u0636 \u0627\u0644\u0645\u0633\u0628\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

8.4 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f:<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0627\u0633\u062a\u0644\u0627\u0645 \u0623\u064a \u062f\u0641\u0639\u0629 \u0642\u0633\u0637 \u0628\u062d\u0644\u0648\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u060c \u062a\u064f\u0637\u0628\u064e\u0651\u0642 \u0631\u0633\u0648\u0645 \u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0642\u062f\u0631\u0647\u0627 50 \u0631\u064a\u0627\u0644\u0627\u064b \u0642\u0637\u0631\u064a\u0627\u064b \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0643. \u0648\u0647\u0630\u0647 \u0627\u0644\u0631\u0633\u0648\u0645 \u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u0644\u062c\u0646\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0648\u0644\u0627 \u062a\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 PayLater. \u0648\u064a\u062a\u0645 \u0627\u0644\u062a\u0628\u0631\u0639 \u0628\u0643\u0627\u0645\u0644 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u0631 \u0627\u0644\u0645\u064f\u062d\u0635\u064e\u0651\u0644\u0629 \u0644\u0644\u062c\u0645\u0639\u064a\u0627\u062a \u0627\u0644\u062e\u064a\u0631\u064a\u0629\u060c \u0628\u0645\u0627 \u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/p>\n

8.5 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062f\u064a\u0648\u0646:<\/strong> \u064a\u064f\u0646\u0635\u062d \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u064a\u0648\u0627\u062c\u0647\u0648\u0646 \u0635\u0639\u0648\u0628\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u062a\u062e\u0644\u0641\u0648\u0627 \u0639\u0646 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0645 \u0628\u0637\u0644\u0628 \u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u062f\u064a\u0648\u0646 \u0645\u0633\u062a\u0642\u0644\u0629. \u0648\u062a\u0642\u0648\u0645 PayLater\u060c \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 \u0623\u0648 \u0639\u0646\u062f \u062d\u062f\u0648\u062b \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0628\u062a\u0632\u0648\u064a\u062f \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0625\u0631\u0634\u0627\u062f\u064a\u0629 \u0639\u0646 \u062e\u062f\u0645\u0627\u062a \u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0648\u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0631\u062e\u0635\u0629 \u0645\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/p>\n

9. \u062e\u064a\u0627\u0631 \u0627\u0644\u062f\u0641\u0639<\/strong><\/p>\n

9.1<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0628\u062f\u0621 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0648\u062a\u0643\u0628\u062f \u062a\u0643\u0627\u0644\u064a\u0641 (\u062e\u0627\u0631\u062c \u0646\u0637\u0627\u0642 \u0627\u0644\u0642\u0636\u0627\u0621) \u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0623\u064a \u062f\u0641\u0639\u0629 \u0645\u062a\u0623\u062e\u0631\u0629 \u0645\u0633\u062a\u062d\u0642\u0629. \u0648\u0633\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0647\u0630\u0647 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0648\u0633\u062a\u064f\u0636\u0627\u0641 \u0625\u0644\u0649 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a.<\/p>\n

9.2<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643 \u0637\u0644\u0628 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0631\u064a \u0644\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u060c \u0648\u0645\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0645\u062d\u0638\u0648\u0631\u0627\u064b \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u060c \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0623\u064a\u0636\u0627\u064b \u0645\u0637\u0627\u0644\u0628\u062a\u0643 \u0628\u062f\u0641\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u064a \u0646\u062a\u0643\u0628\u062f\u0647\u0627 \u0641\u064a \u0623\u064a \u0625\u062c\u0631\u0627\u0621 \u062a\u062d\u0635\u064a\u0644\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u062d\u0627\u0645\u0627\u0629 \u0627\u0644\u0645\u0639\u0642\u0648\u0644\u0629 \u0625\u0630\u0627 \u0623\u062d\u0644\u0646\u0627 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0644\u0644\u062a\u062d\u0635\u064a\u0644 \u0625\u0644\u0649 \u0645\u062d\u0627\u0645\u064d \u0623\u0648 \u0648\u0643\u0627\u0644\u0629 \u062a\u062d\u0635\u064a\u0644.<\/p>\n

9.3<\/strong> \u0642\u062f \u064a\u064f\u0639\u0631\u0636 \u062e\u064a\u0627\u0631 \u062a\u0645\u062f\u064a\u062f \u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0623\u064a \u0642\u0633\u0637 \u0643\u062e\u062f\u0645\u0629 \u0645\u0646 PayLater \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631 PayLater \u0627\u0644\u0645\u0646\u0641\u0631\u062f.<\/p>\n

10. \u062d\u0642\u0648\u0642\u0646\u0627<\/strong><\/p>\n

10.1<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u062a\u062d\u062f\u064a\u062f \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0634\u0631\u0627\u0621 (“\u0627\u0644\u062d\u062f”<\/strong>) \u0644\u0643\u060c \u064a\u062a\u0645 \u0639\u0631\u0636\u0647 \u0641\u064a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0639\u0646\u062f \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/p>\n

10.2<\/strong> \u064a\u0645\u062b\u0644 \u0647\u0630\u0627 \u0627\u0644\u062d\u062f \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u062a\u0627\u062d \u0644\u0643 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u064a\u0646\u062e\u0641\u0636 \u0645\u0639 \u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629 \u062a\u062c\u0631\u064a\u0647\u0627.<\/p>\n

10.3<\/strong> \u064a\u062c\u0648\u0632 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u062d\u062f \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a\u060c \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f\u060c \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0639\u0648\u0627\u0645\u0644 \u0645\u062e\u062a\u0644\u0641\u0629 \u062a\u0634\u0645\u0644 \u062c\u062f\u0627\u0631\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639 \u0648\u0646\u0634\u0627\u0637 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/p>\n

10.4<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0631\u0641\u0636 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627. \u0648\u0644\u0633\u0646\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0639\u0646 \u0623\u064a \u0631\u0641\u0636 \u0644\u0644\u062a\u0635\u0631\u064a\u062d \u0628\u0645\u0639\u0627\u0645\u0644\u0629 \u0623\u0648 \u0628\u062d\u0633\u0627\u0628 PayLater.<\/p>\n

10.5<\/strong> \u0623\u0646\u062a \u062a\u0641\u0648\u0636 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 PayLater \u0628\u0646\u0642\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u062a\u0647\u0627 \u0644\u0646\u0627 \u0639\u0646\u062f \u0645\u0644\u0621 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643 \u0625\u0644\u0649 \u0645\u0634\u063a\u0644\u064a \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u062a\u0644\u0642\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0633\u0631\u064a\u0629 \u0645\u0646 \u0647\u0624\u0644\u0627\u0621 \u0627\u0644\u0645\u0634\u063a\u0644\u064a\u0646\u060c \u0648\u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062e\u0635\u0648\u0635 \u062a\u0642\u0631\u064a\u0631 \u064a\u062a\u0636\u0645\u0646 \u062f\u0631\u062c\u0629 \u0645\u0646: (1) \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u061b \u0648\/\u0623\u0648 (2) \u0641\u064a\u0632\u0627\u061b \u0648\/\u0623\u0648 (3) \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u064a\u062a\u0645 \u062a\u0643\u0648\u064a\u0646\u0647 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0648\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0645 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0628\u0646\u0641\u0633\u0643 \u0625\u0644\u0649 PayLater\u060c \u062d\u062a\u0649 \u0646\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0628\u0634\u0623\u0646 \u0625\u0628\u0631\u0627\u0645 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0642\u0631\u0636.<\/p>\n

10.6<\/strong> \u0623\u0646\u062a \u062a\u0641\u0648\u0636 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 PayLater \u0628\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0645\u0639 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0627\u0644\u0648\u0633\u064a\u0637 \u0623\u0648 \u0627\u0644\u0648\u0643\u064a\u0644 \u0627\u0644\u0630\u064a \u0627\u0634\u062a\u0631\u064a\u062a \u0645\u0646\u0647 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 PayLater\u060c \u0644\u062e\u0641\u0636 \u0645\u0633\u062a\u0648\u0649 \u0639\u0636\u0648\u064a\u062a\u0643 \u0623\u0648 \u0627\u0634\u062a\u0631\u0627\u0643\u0643 \u0623\u0648 \u0623\u064a \u062a\u0646\u0641\u064a\u0630 \u0623\u0648 \u062e\u062f\u0645\u0629 \u0642\u0627\u062f\u0645\u0629 \u0623\u0648 \u0625\u0644\u063a\u0627\u0626\u0647\u0627 (“\u0627\u0644\u0625\u0644\u063a\u0627\u0621”<\/strong>).<\/p>\n

10.7<\/strong> \u0623\u0646\u062a \u062a\u0645\u0646\u062d \u062a\u0641\u0648\u064a\u0636\u0627\u064b \u0644\u062a\u0627\u062c\u0631 PayLater \u0623\u0648 \u0648\u0633\u064a\u0637\u0647\u0627 \u0623\u0648 \u0648\u0643\u064a\u0644\u0647\u0627 \u0627\u0644\u0634\u0631\u064a\u0643 \u0644\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639 \u0628\u0627\u0626\u0639\u064a\u0647\u0645 \u0648\/\u0623\u0648 \u0645\u0648\u0631\u062f\u064a\u0647\u0645 \u0648\/\u0623\u0648 \u0645\u0635\u0646\u0651\u0639\u064a\u0647\u0645\u060c \u062d\u064a\u062b\u0645\u0627 \u0623\u0645\u0643\u0646\u060c \u0644\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0645\u0630\u0643\u0648\u0631.<\/p>\n

10.8<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0641\u064a \u0623\u064a \u0648\u0642\u062a\u060c \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0625\u062e\u0637\u0627\u0631 \u064a\u064f\u0631\u0633\u0644 \u0625\u0644\u064a\u0643\u060c \u0627\u0644\u062a\u0646\u0627\u0632\u0644 (\u0633\u0648\u0627\u0621 \u0628\u0634\u0643\u0644 \u0645\u0637\u0644\u0642 \u0623\u0648 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0636\u0645\u0627\u0646) \u0623\u0648 \u0628\u064a\u0639 \u0623\u0648 \u0646\u0642\u0644 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0623\u064a \u0645\u0628\u0627\u0644\u063a \u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0625\u0644\u0649 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0648\u0627\u062d\u062f \u0623\u0648 \u0623\u0643\u062b\u0631\u060c \u0633\u0648\u0627\u0621 \u0628\u0634\u0643\u0644 \u0641\u0631\u062f\u064a \u0623\u0648 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u062c\u0645\u0639\u0629.<\/p>\n

10.9<\/strong> \u064a\u062d\u0642 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u0623\u0648 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 \u0627\u0644\u0630\u064a\u0646 \u0646\u062c\u0631\u064a \u0645\u0639\u0647\u0645 \u0623\u064a \u062a\u0646\u0627\u0632\u0644 \u0623\u0648 \u0628\u064a\u0639 \u0623\u0648 \u0646\u0642\u0644 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0642\u0628\u064a\u0644 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0646\u0627 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u062a\u0646\u0627\u0632\u0644 \u0639\u0646\u0647 \u0623\u0648 \u0627\u0644\u0645\u0628\u0627\u0639 \u0623\u0648 \u0627\u0644\u0645\u0646\u0642\u0648\u0644.<\/p>\n

10.10<\/strong> \u0623\u0646\u062a \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0623\u0648 \u0628\u064a\u0639\u0647\u0627 \u0623\u0648 \u0646\u0642\u0644\u0647\u0627 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 (\u0633\u0648\u0627\u0621 \u0643\u0644\u064a\u0627\u064b \u0623\u0648 \u062c\u0632\u0626\u064a\u0627\u064b) \u0623\u0648 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0639\u0642\u062f\u0643 \u0645\u0639\u0646\u0627 \u0623\u0648 \u0628\u064a\u0639\u0647 \u0623\u0648 \u0646\u0642\u0644\u0647 (\u0633\u0648\u0627\u0621 \u0643\u0644\u064a\u0627\u064b \u0623\u0648 \u062c\u0632\u0626\u064a\u0627\u064b) \u0625\u0644\u0649 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0623\u0648 \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629. \u0648\u064a\u0634\u0643\u0644 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0627\u0644\u0645\u0633\u0628\u0642 \u0628\u0623\u064a \u062a\u0646\u0627\u0632\u0644 \u0623\u0648 \u0628\u064a\u0639 \u0623\u0648 \u0646\u0642\u0644 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0642\u0628\u064a\u0644 \u0648\u0645\u0648\u0627\u0641\u0642\u062a\u0643 \u0627\u0644\u0645\u0633\u0628\u0642\u0629 \u0639\u0644\u0649 \u0623\u064a \u062a\u0646\u0627\u0632\u0644 \u0623\u0648 \u0628\u064a\u0639 \u0623\u0648 \u0646\u0642\u0644 \u0644\u0639\u0642\u062f\u0643 \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 22 \u0644\u0633\u0646\u0629 2004 \u0628\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u062f\u0646\u064a \u0627\u0644\u0642\u0637\u0631\u064a.<\/p>\n

10.11<\/strong> \u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u0623\u0648 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 \u0627\u0644\u0630\u064a\u0646 \u0646\u062c\u0631\u064a \u0645\u0639\u0647\u0645 \u0623\u064a \u0646\u0642\u0644 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0642\u0628\u064a\u0644 \u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 (\u0633\u0648\u0627\u0621 \u0643\u0644\u064a\u0627\u064b \u0623\u0648 \u062c\u0632\u0626\u064a\u0627\u064b) \u0623\u0648 \u0646\u0642\u0644 \u0639\u0642\u062f\u0643 \u0643\u0643\u0644\u060c \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u060c \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u0646\u0642\u0648\u0644.<\/p>\n

10.12<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0648\u0639\u0642\u062f\u0643 \u0645\u0639\u0646\u0627\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0633\u062c\u0644 \u0633\u062f\u0627\u062f\u0643 \u0648\u0633\u0644\u0648\u0643\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0625\u0644\u0649 \u0623\u064a \u0634\u062e\u0635 \u0623\u0648 \u0643\u064a\u0627\u0646 \u0646\u062c\u0631\u064a \u0645\u0639\u0647 \u0623\u064a \u0628\u064a\u0639 \u0623\u0648 \u062a\u0646\u0627\u0632\u0644 \u0623\u0648 \u0646\u0642\u0644 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0642\u0628\u064a\u0644.<\/p>\n

11. \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0629<\/strong><\/p>\n

11.1<\/strong> \u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater \u0644\u0623\u064a \u0646\u0634\u0627\u0637 \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a \u0623\u0648 \u0627\u062d\u062a\u064a\u0627\u0644\u064a \u0648\u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0639\u062a\u0642\u062f \u0623\u0646 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0642\u062f \u064a\u0643\u0648\u0646 \u0639\u0631\u0636\u0629 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u064a\u0644\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0623\u064a \u0646\u0648\u0639 \u0622\u062e\u0631 \u0645\u0646 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a \u0623\u0648 \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0642 \u0627\u0644\u0623\u0645\u0646\u064a.<\/p>\n

\u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0644\u0646 \u062a\u0642\u0648\u0645\u060c \u0648\u0644\u0646 \u062a\u0633\u0627\u0639\u062f \u0623\u0648 \u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0622\u062e\u0631\u064a\u0646 \u0645\u0646 \u0627\u0644\u0642\u064a\u0627\u0645\u060c \u0628\u0623\u064a \u0645\u0645\u0627 \u064a\u0644\u064a:
\n(\u0623) \u0627\u0646\u062a\u0647\u0627\u0643 \u0623\u0648 \u0627\u0644\u062a\u062d\u0627\u064a\u0644 \u0639\u0644\u0649 \u0623\u064a \u0642\u0648\u0627\u0646\u064a\u0646 \u0623\u0648 \u0644\u0648\u0627\u0626\u062d \u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0623\u0648 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0645\u0639 \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629 \u0623\u0648 \u062d\u0642\u0648\u0642 \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629 \u0623\u0648 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0645\u0639\u0646\u0627\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u061b
\n(\u0628) \u062a\u0642\u062f\u064a\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062e\u0627\u0637\u0626\u0629 \u0623\u0648 \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629 \u0623\u0648 \u0645\u0636\u0644\u0644\u0629 \u0644\u0646\u0627\u061b
\n(\u062c) \u062a\u0642\u062f\u064a\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u062e\u0635 \u0623\u064a \u0634\u062e\u0635 \u0622\u062e\u0631 \u063a\u064a\u0631\u0643\u061b
\n(\u062f) \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628 PayLater \u064a\u062e\u0635 \u0634\u062e\u0635\u0627\u064b \u0622\u062e\u0631 \u0644\u0646\u0641\u0633\u0643 \u0623\u0648 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0634\u062e\u0635 \u0622\u062e\u0631\u061b
\n(\u0647\u0640) \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u062c\u0647\u0627\u0632 \u0623\u0648 \u0628\u0631\u0646\u0627\u0645\u062c \u0623\u0648 \u0631\u0648\u062a\u064a\u0646 \u0623\u0648 \u0645\u0644\u0641 \u0623\u0648 \u062a\u0642\u0646\u064a\u0629 \u0623\u062e\u0631\u0649 \u0628\u0642\u0635\u062f \u0625\u062a\u0644\u0627\u0641 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u062a\u062f\u062e\u0644 \u0641\u064a\u0647\u0627 \u0623\u0648 \u0627\u0639\u062a\u0631\u0627\u0636 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u064a\u0644\u0627\u0621 \u0639\u0644\u0649 \u0623\u064a \u0646\u0638\u0627\u0645 \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u061b
\n(\u0648) \u0627\u062a\u062e\u0627\u0630 \u0623\u064a \u0625\u062c\u0631\u0627\u0621 \u064a\u0641\u0631\u0636 \u062d\u0645\u0644\u0627\u064b \u063a\u064a\u0631 \u0645\u0639\u0642\u0648\u0644 \u0623\u0648 \u0643\u0628\u064a\u0631\u0627\u064b \u0628\u0634\u0643\u0644 \u063a\u064a\u0631 \u0645\u062a\u0646\u0627\u0633\u0628 \u0639\u0644\u0649 \u0628\u0646\u064a\u062a\u0646\u0627 \u0627\u0644\u062a\u062d\u062a\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0647\u062c\u0645\u0627\u062a \u062d\u062c\u0628 \u0627\u0644\u062e\u062f\u0645\u0629 \u0623\u0648 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0639\u0634\u0648\u0627\u0626\u064a\u061b
\n(\u0632) \u0627\u0631\u062a\u0643\u0627\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647 \u0644\u0644\u062e\u062f\u0645\u0627\u062a\u060c \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 \u0627\u0644\u062f\u062e\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647 \u0625\u0644\u0649 \u0623\u0646\u0638\u0645\u062a\u0646\u0627 \u0623\u0648 \u0625\u0633\u0627\u0621\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0631\u0648\u0631\u061b
\n(\u062d) \u0641\u062a\u062d \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628\u0627\u062a PayLater \u0645\u062a\u0639\u062f\u062f\u0629\u061b
\n(\u0637) \u0645\u0636\u0627\u064a\u0642\u0629 \u0623\u0648 \u062a\u0647\u062f\u064a\u062f \u0623\u0648 \u0625\u0633\u0627\u0621\u0629 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0648\u0638\u0641\u064a\u0646\u0627 \u0623\u0648 \u0648\u0643\u0644\u0627\u0626\u0646\u0627 \u0623\u0648 \u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646\u0627 \u0627\u0644\u0622\u062e\u0631\u064a\u0646\u061b
\n(\u064a) \u062a\u0639\u062f\u064a\u0644 \u0623\u0648 \u062a\u0643\u064a\u064a\u0641 \u0623\u0648 \u062a\u0637\u0648\u064a\u0631 \u0623\u0648 \u0625\u0646\u0634\u0627\u0621 \u0623\u064a \u0639\u0645\u0644 \u0645\u0634\u062a\u0642 \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u0647\u0646\u062f\u0633\u0629 \u0639\u0643\u0633\u064a\u0629 \u0623\u0648 \u0641\u0643 \u062a\u0631\u062c\u0645\u0629 \u0623\u0648 \u062a\u0641\u0643\u064a\u0643 \u0623\u0648 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0623\u064a \u0641\u0639\u0644 \u0645\u0642\u064a\u062f \u0628\u0646\u0637\u0627\u0642 \u062a\u0631\u062e\u064a\u0635\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0623\u0648 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u062d\u062a\u0648\u0649\u061b \u0623\u0648
\n(\u0643) \u0625\u0639\u0627\u062f\u0629 \u0625\u0646\u062a\u0627\u062c \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u062a\u0648\u0632\u064a\u0639 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u0623\u0648 \u0623\u064a \u0645\u062d\u062a\u0648\u0649\u060c \u0648\u0647\u0648 \u0623\u0645\u0631 \u0645\u062d\u0638\u0648\u0631 \u0648\u0633\u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0639\u0642\u0648\u0628\u0627\u062a \u0645\u062f\u0646\u064a\u0629 \u0648\/\u0623\u0648 \u062c\u0646\u0627\u0626\u064a\u0629.<\/p>\n

12. \u062d\u0642\u0648\u0642 \u0627\u0644\u0646\u0632\u0627\u0639<\/strong><\/p>\n

12.1<\/strong> \u064a\u062a\u0645 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0623\u064a \u0634\u0643\u0627\u0648\u0649 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u062d\u0635\u0631\u064a\u0627\u064b \u0645\u0646 \u0642\u0650\u0628\u0644 \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0648\u0623\u0646\u062a \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646 PayLater \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0632\u0627\u0645 \u062a\u062c\u0627\u0647\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u0645\u0633\u0623\u0644\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0623\u062f\u0627\u0621 \u0623\u0648 \u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0642 \u0623\u0648 \u0645\u0644\u0627\u0621\u0645\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0646\u0641\u0633\u0647\u0627.<\/p>\n

12.2<\/strong> \u0631\u0647\u0646\u0627\u064b \u0628\u062a\u0644\u0642\u064a\u0646\u0627 \u062a\u0623\u0643\u064a\u062f\u0627\u064b \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0645\u0628\u0644\u063a \u0645\u0633\u062a\u062d\u0642 \u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0645\u0646\u062a\u062c\u060c \u0633\u0646\u0642\u0648\u0645 \u0628\u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u0630\u064a \u0627\u0644\u0635\u0644\u0629 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643.<\/p>\n

12.3<\/strong> \u0644\u0646 \u064a\u064f\u0637\u0644\u0628 \u0645\u0646\u0627 \u0628\u0623\u064a \u062d\u0627\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u062f\u0641\u0639 \u0623\u064a \u0645\u0628\u0644\u063a \u0644\u0643 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0645\u0642\u0631\u0631 \u0625\u0636\u0627\u0641\u062a\u0647 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f.<\/p>\n

12.4<\/strong> \u064a\u0645\u0643\u0646 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0634\u0643\u0627\u0648\u0649 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0640 PayLater \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a.<\/p>\n

13. \u0627\u0644\u0633\u0631\u064a\u0629<\/strong><\/p>\n

13.1<\/strong> \u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0645\u0627 \u062a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u062a\u0642\u062a\u0636\u064a\u0647\u060c \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0637\u0631\u0641 \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0623\u064a \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631.<\/p>\n

13.2<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0643\u0644 \u0637\u0631\u0641 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631:
\n(1) \u0639\u0646\u062f\u0645\u0627 \u064a\u0642\u062a\u0636\u064a \u0630\u0644\u0643 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647 \u0623\u0648 \u0623\u064a \u0633\u0644\u0637\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0630\u0627\u062a \u0627\u062e\u062a\u0635\u0627\u0635 \u0642\u0636\u0627\u0626\u064a \u0645\u062e\u062a\u0635 (\u0634\u0631\u064a\u0637\u0629 \u0623\u0646 \u064a\u0642\u062f\u0645 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0623\u0648\u0644 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0625\u062e\u0637\u0627\u0631\u0627\u064b \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0645\u0633\u0628\u0642\u0627\u064b \u0645\u0639\u0642\u0648\u0644\u0627\u064b \u0628\u0647\u0630\u0627 \u0627\u0644\u0625\u0641\u0635\u0627\u062d\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u0633\u0645\u0648\u062d\u0627\u064b \u0628\u0647 \u0642\u0627\u0646\u0648\u0646\u0627\u064b\u060c \u0644\u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u0641\u0631\u0635\u0629 \u0627\u0644\u0643\u0627\u0641\u064a\u0629 \u0644\u0630\u0644\u0643 \u0627\u0644\u0637\u0631\u0641 \u0644\u0637\u0644\u0628 \u0623\u0645\u0631 \u062d\u0645\u0627\u064a\u0629 \u064a\u0645\u0646\u0639 \u0623\u0648 \u064a\u062d\u062f \u0645\u0646 \u0627\u0644\u0625\u0641\u0635\u0627\u062d) \u0623\u0648 \u0627\u0644\u0628\u0648\u0631\u0635\u0629 \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u0637\u0631\u062d \u0641\u064a\u0647\u0627 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0623\u064a \u0645\u0646 \u0627\u0644\u0637\u0631\u0641\u064a\u0646\u061b
\n(2) \u0625\u0644\u0649 \u0645\u062f\u064a\u0631 \u0623\u0648 \u0645\u0633\u0624\u0648\u0644 \u0623\u0648 \u0645\u0648\u0638\u0641 \u0623\u0648 \u0648\u0643\u064a\u0644 \u0623\u0648 \u0645\u0642\u0627\u0648\u0644 \u0623\u0648 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0647\u0646\u064a \u0623\u0648 \u0645\u0633\u062a\u062b\u0645\u0631 \u0623\u0648 \u0645\u0635\u062f\u0631 \u062a\u0645\u0648\u064a\u0644 \u0644\u062f\u0649 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0623\u0648\u0644 \u062a\u062a\u0637\u0644\u0628 \u0648\u0627\u062c\u0628\u0627\u062a\u0647 \u0628\u0634\u0643\u0644 \u0645\u0639\u0642\u0648\u0644 \u0647\u0630\u0627 \u0627\u0644\u0625\u0641\u0635\u0627\u062d\u060c \u0634\u0631\u064a\u0637\u0629 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0627\u0644\u0634\u062e\u0635 \u0642\u062f \u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0631\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u061b \u0648
\n(3) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629 \u0644\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u0623\u0648 \u0639\u0645\u064a\u0644 \u0645\u062d\u062f\u062f\u060c \u064a\u062c\u0648\u0632 \u0644\u0640 PayLater \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u062e\u062f\u0645\u0629 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u063a\u064a\u0631 \u0630\u0644\u0643 \u0648\u0641\u0642\u0627\u064b \u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0640 PayLater \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0647\u0627.<\/p>\n

13.3<\/strong> \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0637\u0631\u0641 \u0627\u062a\u062e\u0627\u0630 \u062c\u0645\u064a\u0639 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u0645\u0639\u0642\u0648\u0644\u0629 \u0644\u0636\u0645\u0627\u0646 \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0633\u0631\u064a\u0629 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631\u060c \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u060c \u0628\u0623\u064a \u0637\u0631\u064a\u0642\u0629 \u062a\u0636\u0631 \u0628\u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0623\u0648 \u062a\u0643\u0648\u0646 \u0641\u064a \u063a\u064a\u0631 \u0635\u0627\u0644\u062d\u0647.<\/p>\n

13.4<\/strong> \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0637\u0631\u0641 \u0627\u062a\u062e\u0627\u0630 \u062e\u0637\u0648\u0627\u062a \u0644\u0627 \u062a\u0642\u0644 \u0635\u0631\u0627\u0645\u0629 \u0639\u0646 \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u064a\u062a\u062e\u0630\u0647\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0647 \u0627\u0644\u062e\u0627\u0635\u0629 (\u0639\u0644\u0649 \u0623\u0644\u0627 \u062a\u0642\u0644 \u0628\u0623\u064a \u062d\u0627\u0644 \u0639\u0646 \u062f\u0631\u062c\u0629 \u0645\u0639\u0642\u0648\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0646\u0627\u064a\u0629) \u0644\u0645\u0646\u0639 \u0623\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648 \u0625\u0641\u0635\u0627\u062d \u0623\u0648 \u0641\u0642\u062f\u0627\u0646 \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629.<\/p>\n

13.5<\/strong> \u062a\u062e\u0636\u0639 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0633\u0631\u064a\u0629 \u062a\u0645 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646\u0647\u0627 \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0633\u0631\u064a\u0627\u0646 \u0644\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0646\u0641\u0633\u0647\u0627.<\/p>\n

13.6<\/strong> \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629 \u0644\u0640 PayLater \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u064a\u062c\u0648\u0632 \u0644\u0644\u062a\u0627\u062c\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0641\u0642\u0637 \u0644\u062a\u0633\u0647\u064a\u0644 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0648\u064a\u0642\u0631 \u0648\u064a\u0636\u0645\u0646 \u0623\u0646\u0647 \u0633\u064a\u0645\u062a\u062b\u0644 \u0644\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647 \u0627\u0644\u0645\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b.<\/p>\n

13.7<\/strong> \u064a\u0638\u0644 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u0633\u0627\u0631\u064a\u0627\u064b \u0628\u0639\u062f \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u064a\u0628\u0642\u0649 \u0646\u0627\u0641\u0630\u0627\u064b \u0644\u0645\u062f\u0629 \u0639\u0627\u0645\u064a\u0646 (2).<\/p>\n

13.8<\/strong> \u064a\u0642\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u064a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646 \u0644\u0640 PayLater \u0627\u0644\u062d\u0642 \u0641\u064a \u0645\u0642\u0627\u0636\u0627\u0629 \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0639\u0645\u0644\u0627\u0621 \u0645\u062a\u0639\u062b\u0631\u064a\u0646 \u0622\u062e\u0631\u064a\u0646\u060c \u0628\u0634\u0643\u0644 \u0645\u0634\u062a\u0631\u0643 \u0641\u064a \u062f\u0639\u0648\u0649 \u0648\u0627\u062d\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u062d\u0627\u0643\u0645. \u0648\u0644\u0627 \u064a\u064f\u0639\u062f \u0630\u0644\u0643 \u0625\u062e\u0644\u0627\u0644\u0627\u064b \u0628\u0628\u0646\u062f \u0627\u0644\u0633\u0631\u064a\u0629.<\/p>\n

14. \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629<\/strong><\/p>\n

14.1<\/strong> \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u0636\u0645\u0646\u0629 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627\u060c \u0645\u062b\u0644 \u0627\u0644\u0646\u0635\u0648\u0635 \u0648\u0627\u0644\u0631\u0633\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0634\u0639\u0627\u0631\u0627\u062a \u0648\u0623\u064a\u0642\u0648\u0646\u0627\u062a \u0627\u0644\u0623\u0632\u0631\u0627\u0631 \u0648\u0627\u0644\u0635\u0648\u0631 \u0648\u0627\u0644\u062a\u0646\u0632\u064a\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0645\u062c\u0645\u0648\u0639\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0628\u0631\u0627\u0645\u062c\u060c \u0645\u062d\u0645\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u062d\u0642\u0648\u0642 \u0627\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\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 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629) \u0648\u0647\u064a \u0645\u0645\u0644\u0648\u0643\u0629 \u0644\u0640 PayLater \u0623\u0648 \u0625\u062d\u062f\u0649 \u0634\u0631\u0643\u0627\u062a\u0647\u0627 \u0627\u0644\u062a\u0627\u0628\u0639\u0629. \u0648\u064a\u064f\u062d\u0638\u0631 \u062a\u0645\u0627\u0645\u0627\u064b \u0646\u0633\u062e \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u062a\u0648\u0632\u064a\u0639\u0647 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0623\u0648 \u0646\u0634\u0631\u0647 \u0645\u0646 \u062c\u0627\u0646\u0628\u0643\u060c \u0645\u0627 \u0644\u0645 \u064a\u064f\u0633\u0645\u062d \u0628\u0630\u0644\u0643 \u0635\u0631\u0627\u062d\u0629\u064b \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637. \u0648\u0644\u0627 \u064a\u0645\u0646\u062d\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0644\u0643\u064a\u0629 \u0623\u064a \u062d\u0642\u0648\u0642 \u0645\u0644\u0643\u064a\u0629 \u0641\u0643\u0631\u064a\u0629 \u0641\u064a \u0623\u064a \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0623\u0648 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0635\u0644 \u0625\u0644\u064a\u0647\u0627. \u0648\u0644\u0627 \u064a\u0634\u0643\u0644 \u0646\u0634\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0648\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u062a\u0646\u0627\u0632\u0644\u0627\u064b \u0639\u0646 \u0623\u064a \u062d\u0642 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0645\u0648\u0627\u062f.<\/p>\n

14.2<\/strong> \u0646\u0645\u062a\u0644\u0643 \u0623\u0648 \u0646\u062d\u062a\u0641\u0638 \u0628\u062d\u0642\u0648\u0642 \u0623\u064a \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0641\u064a \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062a\u0637\u0628\u064a\u0642\u0646\u0627 (“\u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629”<\/strong>)\u060c \u0648\u0643\u0630\u0644\u0643 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0648\u0627\u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0623\u062e\u0631\u0649 \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0648\u0627\u062f (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062c\u0645\u064a\u0639 \u0627\u0644\u0646\u0635\u0648\u0635 \u0648\u0627\u0644\u0631\u0633\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0634\u0639\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0635\u0648\u062a \u0648\u0627\u0644\u0628\u0631\u0627\u0645\u062c) \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0639\u0644\u0649 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062a\u0637\u0628\u064a\u0642\u0646\u0627 (“\u0627\u0644\u0645\u062d\u062a\u0648\u0649”<\/strong>).<\/p>\n

14.3<\/strong> \u0644\u0627 \u064a\u0645\u0646\u062d\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a PayLater \u0623\u0648 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u0623\u0648 \u064a\u0646\u0642\u0644 \u0625\u0644\u064a\u0643 \u0623\u064a \u062d\u0642\u0648\u0642 \u0623\u0648 \u0645\u0644\u0643\u064a\u0629 \u0623\u0648 \u0645\u0635\u0644\u062d\u0629 \u0641\u064a \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u062d\u062a\u0648\u0649.<\/p>\n

14.4<\/strong> \u0646\u0645\u0646\u062d\u0643 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u062a\u0631\u062e\u064a\u0635\u0627\u064b \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0645\u0627 \u0641\u0642\u0637 \u0644\u063a\u0631\u0636 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a PayLater \u0648\u0627\u0644\u0627\u0633\u062a\u0645\u062a\u0627\u0639 \u0628\u0647\u0627\u060c \u0643\u0645\u0627 \u0647\u0648 \u0645\u0648\u0636\u062d \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0648\u062d\u064a\u062b\u0645\u0627 \u064a\u0646\u0637\u0628\u0642\u060c \u062d\u0633\u0628\u0645\u0627 \u0646\u0635\u0631\u062d \u0628\u0647 \u0635\u0631\u0627\u062d\u0629\u064b.<\/p>\n

14.5<\/strong> \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u0634\u0639\u0627\u0631\u0627\u062a (“\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629”<\/strong>) \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u0645\u0639\u0631\u0648\u0636\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0647\u064a \u0639\u0644\u0627\u0645\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u0633\u062c\u0644\u0629 \u0648\u063a\u064a\u0631 \u0645\u0633\u062c\u0644\u0629 \u0644\u0640 PayLater. \u0648\u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u0623\u0633\u0645\u0627\u0621 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u0645\u0644\u0648\u0643\u0629 \u0644\u0644\u063a\u064a\u0631. \u0648\u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u062a\u0641\u0633\u064a\u0631 \u0623\u064a \u0634\u064a\u0621 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u0645\u0646\u062d\u060c \u0636\u0645\u0646\u064a\u0627\u064b \u0623\u0648 \u0628\u062d\u0643\u0645 \u0633\u0642\u0648\u0637 \u0627\u0644\u062d\u0642 \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643\u060c \u0623\u064a \u062a\u0631\u062e\u064a\u0635 \u0623\u0648 \u062d\u0642 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0623\u064a \u0645\u0644\u0643\u064a\u0629 \u0641\u0643\u0631\u064a\u0629 \u0623\u062e\u0631\u0649 \u0644\u0640 PayLater \u0645\u0639\u0631\u0648\u0636\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a. \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0633\u0645 “PayLater” \u0648\u0623\u064a \u0639\u0644\u0627\u0645\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u062e\u0631\u0649 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0641\u064a \u0627\u0644\u0625\u0639\u0644\u0627\u0646\u0627\u062a \u0623\u0648 \u0627\u0644\u062f\u0639\u0627\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0645\u0648\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u062f\u0648\u0646 \u0625\u0630\u0646 \u0643\u062a\u0627\u0628\u064a \u0645\u0633\u0628\u0642 \u0645\u0646 PayLater.<\/p>\n

15. \u0627\u0644\u0625\u062a\u0627\u062d\u0629 \u0648\u0627\u0644\u0623\u0645\u0627\u0646<\/strong><\/p>\n

15.1<\/strong> \u0623\u0646\u062a \u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0631\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0639\u062a\u0645\u0627\u062f \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0644\u062f\u064a\u0646\u0627. \u0648\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631 \u0628\u0641\u0642\u062f\u0627\u0646 \u0623\u0648 \u0633\u0631\u0642\u0629 \u0623\u0648 \u0627\u062d\u062a\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647 \u0644\u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/p>\n

15.2<\/strong> \u0625\u0630\u0627 \u0633\u0645\u062d\u062a \u0644\u0623\u064a \u0634\u062e\u0635 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0623\u0648 \u062a\u0641\u0627\u0635\u064a\u0644 \u0623\u062e\u0631\u0649 \u0645\u0639 \u0627\u0644\u062a\u0641\u0648\u064a\u0636 \u0628\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u060c \u0641\u0633\u062a\u0643\u0648\u0646 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062c\u0631\u064a\u0647\u0627 \u0630\u0644\u0643 \u0627\u0644\u0634\u062e\u0635\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u0644\u0627 \u062a\u0643\u0648\u0646 \u0642\u0635\u062f\u062a \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646\u0647\u0627\u060c \u062d\u062a\u0649 \u0644\u0648 \u062a\u0633\u0628\u0628 \u0645\u0628\u0644\u063a \u062a\u0644\u0643 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0641\u064a \u062a\u062c\u0627\u0648\u0632 \u062d\u062f\u0643.<\/p>\n

15.3<\/strong> \u0623\u0646\u062a \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0644\u0646 \u062a\u062d\u0645\u0651\u0644\u0646\u0627 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u0627\u0644\u062a\u0632\u0627\u0645 \u064a\u0646\u0634\u0623 \u0639\u0646 \u062a\u0635\u0631\u0641\u0627\u062a \u0623\u0648 \u0627\u0645\u062a\u0646\u0627\u0639 \u0623\u064a \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u0623\u0630\u0648\u0646\u0627\u062a \u062a\u0645\u0646\u062d\u0647\u0627 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0628\u0646\u062f 15.2.<\/p>\n

15.4<\/strong> \u0644\u0627 \u0646\u0642\u062f\u0645 \u0623\u064a \u0636\u0645\u0627\u0646 \u0623\u0648 \u0643\u0641\u0627\u0644\u0629 \u0628\u0623\u0646 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater \u0633\u064a\u0643\u0648\u0646 \u062f\u0648\u0646 \u0627\u0646\u0642\u0637\u0627\u0639 \u0623\u0648 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0623\u0648 \u062e\u0627\u0644\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621.<\/p>\n

15.5<\/strong> \u0633\u0646\u0642\u0648\u0645 \u0623\u062d\u064a\u0627\u0646\u0627\u064b \u0628\u0625\u062c\u0631\u0627\u0621 \u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0623\u0648 \u0635\u064a\u0627\u0646\u0629 \u0623\u0648 \u062a\u0642\u062f\u064a\u0645 \u0645\u0631\u0627\u0641\u0642 \u0648\u0648\u0638\u0627\u0626\u0641 \u062c\u062f\u064a\u062f\u0629\u060c \u0648\u0642\u062f \u064a\u062a\u0645 \u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u0633\u062d\u0628 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater \u0645\u0646\u0643 \u0634\u062e\u0635\u064a\u0627\u064b \u0623\u0648 \u0645\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0628\u0634\u0643\u0644 \u0645\u0624\u0642\u062a \u0623\u0648 \u062f\u0627\u0626\u0645 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u062f\u0648\u0646 \u0625\u062e\u0637\u0627\u0631.<\/p>\n

15.6<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0641\u0631\u0636 \u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0645\u062f\u0629 \u0648\u0637\u0631\u064a\u0642\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u062e\u062f\u0645\u0627\u062a PayLater \u0644\u0623\u064a \u0633\u0628\u0628.<\/p>\n

15.7<\/strong> \u0625\u0630\u0627 \u0641\u0631\u0636\u0646\u0627 \u0642\u064a\u0648\u062f\u0627\u064b \u0639\u0644\u064a\u0643 \u0634\u062e\u0635\u064a\u0627\u064b\u060c \u0641\u064a\u062c\u0628 \u0623\u0644\u0627 \u062a\u062d\u0627\u0648\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater \u062a\u062d\u062a \u0623\u064a \u0627\u0633\u0645 \u0623\u0648 \u0645\u0633\u062a\u062e\u062f\u0645 \u0622\u062e\u0631 \u0623\u0648 \u0639\u0644\u0649 \u0623\u064a \u062c\u0647\u0627\u0632 \u0645\u062d\u0645\u0648\u0644 \u0622\u062e\u0631.<\/p>\n

15.8<\/strong> \u062a\u0642\u0639 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642\u0643 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0645\u0627\u0646 \u0647\u0627\u062a\u0641\u0643 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a PayLater. \u0644\u0630\u0644\u0643 \u0646\u0648\u0635\u064a\u0643 \u0628\u0639\u062f\u0645 \u0643\u0633\u0631 \u062d\u0645\u0627\u064a\u0629 \u0647\u0627\u062a\u0641\u0643 \u0623\u0648 \u062a\u062c\u0630\u064a\u0631\u0647\u060c \u0625\u0630 \u0642\u062f \u064a\u062c\u0639\u0644 \u0630\u0644\u0643 \u0647\u0627\u062a\u0641\u0643 \u0639\u0631\u0636\u0629 \u0644\u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0636\u0627\u0631\u0629 \u0623\u0648 \u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062e\u0628\u064a\u062b\u0629\u060c \u0648\u064a\u064f\u0636\u0639\u0641 \u0645\u064a\u0632\u0627\u062a \u0623\u0645\u0627\u0646 \u0647\u0627\u062a\u0641\u0643\u060c \u0648\u0642\u062f \u064a\u0639\u0646\u064a \u0630\u0644\u0643 \u0623\u0646 \u062e\u062f\u0645\u0627\u062a PayLater \u0644\u0646 \u062a\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d \u0623\u0648 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642.<\/p>\n

15.9<\/strong> \u0644\u0627 \u0646\u0642\u062f\u0645 \u0623\u064a \u0636\u0645\u0627\u0646 \u0623\u0648 \u0643\u0641\u0627\u0644\u0629 \u0628\u0623\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0633\u064a\u0643\u0648\u0646 \u0645\u062a\u0648\u0627\u0641\u0642\u0627\u064b \u0645\u0639 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627.<\/p>\n

15.10<\/strong> \u0644\u0646 \u0646\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u0645\u0629 \u0639\u0646 \u0623\u0648 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0623\u064a \u0641\u064a\u0631\u0648\u0633\u0627\u062a \u0623\u0648 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u0623\u062e\u0631\u0649 \u0642\u062f \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u064a \u0645\u0639\u062f\u0627\u062a (\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 \u062c\u0647\u0627\u0632\u0643 \u0627\u0644\u0645\u062d\u0645\u0648\u0644) \u0623\u0648 \u0628\u0631\u0627\u0645\u062c \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u062e\u0631\u0649\u060c \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u060c \u0646\u062a\u064a\u062c\u0629 \u0644\u062a\u0646\u0632\u064a\u0644\u0643 \u0623\u0648 \u062a\u062b\u0628\u064a\u062a\u0643 \u0623\u0648 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a. \u0643\u0645\u0627 \u0644\u0646 \u0646\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u062a\u0635\u0631\u0641\u0627\u062a \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629.<\/p>\n

16. \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong><\/p>\n

16.1<\/strong> \u0633\u0646\u0639\u0627\u0644\u062c \u0646\u062d\u0646 \u0648\u0634\u0631\u0643\u0627\u062a\u0646\u0627 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0648\u0641\u0642\u0627\u064b \u0644\u062c\u0645\u064a\u0639 \u0644\u0648\u0627\u0626\u062d \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0642\u0637\u0631\u064a \u0631\u0642\u0645 13 \u0644\u0633\u0646\u0629 2016 (“\u0642\u0627\u0646\u0648\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0637\u0631\u064a”<\/strong>) \u0648\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0646\u0627\u060c \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062a\u0634\u0643\u0644 \u062c\u0632\u0621\u0627\u064b \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

16.2<\/strong> \u0645\u0646 \u0623\u062c\u0644 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a PayLater\u060c \u0633\u0646\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0633\u062c\u064a\u0644 \u0627\u0633\u0645\u0643 \u0648\u0631\u0642\u0645 \u0647\u0648\u064a\u062a\u0643 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0648\u0623\u064a \u062a\u0641\u0627\u0635\u064a\u0644 \u0623\u062e\u0631\u0649 \u0639\u0644\u0649 \u062a\u0644\u0643 \u0627\u0644\u0647\u0648\u064a\u0629 \u0648\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u064a\u0644\u0627\u062f \u0648\u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0648\u0631\u0642\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0648\u062a\u0641\u0627\u0635\u064a\u0644 \u062d\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u064a\u0643 \u0644\u0646\u0627.<\/p>\n

16.3<\/strong> \u0646\u0639\u0627\u0644\u062c \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0644\u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0646\u0627\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0644\u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a PayLater:
\n(\u0623) \u0625\u062c\u0631\u0627\u0621 \u0641\u062d\u0635 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0639\u0644\u064a\u0643 \u0648\/\u0623\u0648 \u062a\u0623\u0643\u064a\u062f \u0647\u0648\u064a\u062a\u0643\u061b
\n(\u0628) \u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0623\u0648 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u0623\u064a \u0637\u0631\u064a\u0642\u0629 \u062f\u0641\u0639 \u0623\u062e\u0631\u0649 \u062a\u062e\u062a\u0627\u0631\u0647\u0627\u061b
\n(\u062c) \u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0648\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u061b
\n(\u062f) \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0644\u0645\u0629 \u0648\u0625\u0631\u0633\u0627\u0644 \u062a\u0630\u0643\u064a\u0631\u0627\u062a \u0628\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0644\u0645\u0629\u061b \u0648
\n(\u0647\u0640) \u0625\u0634\u0631\u0627\u0643 \u0648\u0643\u0627\u0644\u0627\u062a \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0623\u0648 \u0627\u062a\u062e\u0627\u0630 \u0625\u062c\u0631\u0627\u0621 \u0642\u0627\u0646\u0648\u0646\u064a \u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0627\u0644\u062f\u0641\u0639.<\/p>\n

16.4<\/strong> \u0623\u0646\u062a \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0645\u0634\u0627\u0631\u0643\u0629 \u0623\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u0646\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0639\u0646\u0643 \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0630\u064a\u0646 \u0627\u0634\u062a\u0631\u064a\u062a \u0645\u0646\u0647\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0645\u0639 \u0623\u064a \u0634\u062e\u0635 \u0623\u0648 \u0643\u064a\u0627\u0646 \u0646\u0628\u064a\u0639 \u0644\u0647 \u0623\u0648 \u0646\u062a\u0646\u0627\u0632\u0644 \u0644\u0647 \u0623\u0648 \u0646\u0646\u0642\u0644 \u0625\u0644\u064a\u0647 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0623\u064a \u0645\u0628\u0627\u0644\u063a \u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0639\u0642\u062f\u0643 \u0645\u0639\u0646\u0627 \u0623\u0648 \u062d\u0642\u0648\u0642\u0646\u0627 \u0623\u0648 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0628\u0645\u0648\u062c\u0628 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

16.5<\/strong> \u064a\u0645\u0643\u0646\u0643 \u0637\u0644\u0628 \u062a\u0641\u0627\u0635\u064a\u0644 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u062a\u064a \u0646\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0646\u0627 \u0639\u0628\u0631 hello@paylaterapp.com<\/a>\u060c \u0648\u064a\u0645\u0643\u0646\u0643 \u0637\u0644\u0628 \u062a\u0635\u062d\u064a\u062d \u0623\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u0646\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0639\u0646\u0643 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u063a\u064a\u0631 \u0635\u062d\u064a\u062d\u0629.<\/p>\n

17. \u0625\u062e\u0644\u0627\u0621 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/strong><\/p>\n

17.1<\/strong> \u0646\u0633\u062a\u062b\u0646\u064a \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u062c\u0645\u064a\u0639 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0635\u0631\u064a\u062d\u0629 \u0623\u0648 \u0636\u0645\u0646\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0623\u0648 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0639\u0627\u0645 \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643\u060c \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0630\u064a \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u060c \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0627 \u064a\u0644\u064a:
\n(\u0623) \u0623\u062f\u0627\u0621 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627\u061b
\n(\u0628) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u062f\u0648\u0646 \u0627\u0646\u0642\u0637\u0627\u0639\u061b
\n(\u062c) \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u062e\u0627\u0644\u064a\u0627\u064b \u0645\u0646 \u0623\u064a \u0641\u064a\u0631\u0648\u0633 \u0623\u0648 \u0631\u0648\u062a\u064a\u0646 \u0628\u0631\u0645\u062c\u064a \u0622\u062e\u0631 \u064a\u0647\u062f\u0641 \u0623\u0648 \u064a\u064f\u0635\u0645\u064e\u0651\u0645 \u0644\u0644\u0633\u0645\u0627\u062d \u0628\u0627\u0644\u0648\u0635\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647 \u0625\u0644\u0649 \u0646\u0638\u0627\u0645 \u0627\u0644\u0643\u0645\u0628\u064a\u0648\u062a\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u062a\u0639\u0637\u064a\u0644 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0639\u0627\u062f\u064a \u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0643\u0645\u0628\u064a\u0648\u062a\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0625\u062a\u0644\u0627\u0641\u0647 \u0623\u0648 \u0645\u062d\u0648\u0647 \u0623\u0648 \u062a\u0639\u0637\u064a\u0644\u0647 \u0623\u0648 \u0625\u0636\u0639\u0627\u0641\u0647\u061b \u0623\u0648
\n(\u062f) \u062f\u0642\u0629 \u0623\u0648 \u0645\u0648\u062b\u0648\u0642\u064a\u0629 \u0623\u0648 \u0627\u0643\u062a\u0645\u0627\u0644 \u0623\u064a \u0645\u062d\u062a\u0648\u0649.<\/p>\n

17.2<\/strong> \u064a\u062a\u0645 \u062a\u0648\u0641\u064a\u0631 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062a\u0637\u0628\u064a\u0642\u0646\u0627 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0623\u064a \u0645\u062d\u062a\u0648\u0649 \u0648\u0628\u0631\u0627\u0645\u062c) \u0644\u0643 “\u0643\u0645\u0627 \u0647\u0648” \u0648\u0639\u0644\u0649 \u0623\u0633\u0627\u0633 “\u062d\u0633\u0628 \u0627\u0644\u062a\u0648\u0627\u0641\u0631”\u060c \u0648\u0628\u0634\u0631\u0637 \u0623\u0646 \u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0639\u0646 \u062a\u0642\u064a\u064a\u0645 \u0645\u062f\u0649 \u0645\u0644\u0627\u0621\u0645\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0648\u062e\u062f\u0645\u0627\u062a PayLater \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627. \u0648\u064a\u0643\u0648\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0648\u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater \u0639\u0644\u0649 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<\/p>\n

17.3<\/strong> \u0644\u0646 \u0646\u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0632\u0627\u0645 \u062a\u062c\u0627\u0647\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u062a\u062a\u0643\u0628\u062f\u0647\u060c \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 \u062a\u0644\u0641 \u0628\u0631\u0627\u0645\u062c\u0643 \u0623\u0648 \u0623\u062c\u0647\u0632\u062a\u0643 \u0623\u0648 \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0646\u0627\u0634\u0626 \u0639\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0623\u0648 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0646\u0627 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater\u060c \u0623\u0648 \u0639\u062f\u0645 \u062a\u0648\u0641\u0631\u0647\u0627.<\/p>\n

17.4<\/strong> \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u060c \u0646\u0633\u062a\u062b\u0646\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a (\u0627\u0644\u0635\u0631\u064a\u062d\u0629 \u0623\u0648 \u0627\u0644\u0636\u0645\u0646\u064a\u0629) \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u062a\u0639\u0647\u062f\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0635\u0631\u064a\u062d\u0629 \u0623\u0648 \u0636\u0645\u0646\u064a\u0629\u060c \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a PayLater.<\/p>\n

17.5<\/strong> \u062a\u0633\u062a\u062b\u0646\u064a PayLater \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u064a \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0623\u0636\u0631\u0627\u0631 \u064a\u062a\u0643\u0628\u062f\u0647\u0627 \u0623\u0646\u062a \u0623\u0648 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0646\u062a\u064a\u062c\u0629 \u0644\u0623\u064a \u0641\u0639\u0644 \u0623\u0648 \u0627\u0645\u062a\u0646\u0627\u0639 \u0645\u0646 \u062c\u0627\u0646\u0628\u0646\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a PayLater \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/p>\n

18. \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/strong><\/p>\n

18.1<\/strong> \u0644\u0627 \u064a\u0633\u062a\u062b\u0646\u064a \u0623\u0648 \u064a\u062d\u062f \u0623\u064a \u0645\u0646\u0643 \u0623\u0648 PayLater \u0645\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u062a\u062c\u0627\u0647 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0639\u0646:
\n(\u0623) \u0627\u0644\u0648\u0641\u0627\u0629 \u0623\u0648 \u0627\u0644\u0625\u0635\u0627\u0628\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u0646\u0627\u062c\u0645\u0629 \u0639\u0646 \u0627\u0644\u0625\u0647\u0645\u0627\u0644\u061b
\n(\u0628) \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0623\u0648 \u0627\u0644\u062a\u062d\u0631\u064a\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a\u061b \u0623\u0648
\n(\u062c) \u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0623\u062e\u0631\u0649 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u0628\u0639\u0627\u062f\u0647\u0627 \u0623\u0648 \u062a\u0642\u064a\u064a\u062f\u0647\u0627 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062d\u0627\u0643\u0645 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

18.2<\/strong> \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 PayLater \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u062a\u0628\u0639\u064a\u060c \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\u064a \u062e\u0633\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0623\u0648 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0627\u0644\u0625\u0647\u0645\u0627\u0644 \u0623\u0648 \u062e\u0631\u0642 \u0627\u0644\u0639\u0642\u062f \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643.<\/p>\n

18.3<\/strong> \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0627\u0644\u0628\u0646\u062f 18.1 \u062f\u0627\u0626\u0645\u0627\u064b\u060c \u0641\u0625\u0646 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 PayLater \u0639\u0646 \u0623\u064a \u0625\u062e\u0644\u0627\u0644 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0633\u0648\u0627\u0621 \u0628\u0633\u0628\u0628 \u0627\u0644\u0625\u0647\u0645\u0627\u0644 \u0623\u0648 \u0627\u0644\u062a\u062d\u0631\u064a\u0641 \u0623\u0648 \u062e\u0631\u0642 \u0627\u0644\u0639\u0642\u062f \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643 \u0645\u0646 \u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u0645\u0628\u0627\u0634\u0631\u060c \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0628\u0623\u064a \u062d\u0627\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0642\u064a\u0645\u0629 \u0637\u0644\u0628 \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/p>\n

18.4<\/strong> \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a PayLater (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\/\u062a\u0637\u0628\u064a\u0642\u0646\u0627) \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0644\u064a:
\n(\u0623) \u062e\u0636\u0648\u0639 \u0634\u0631\u0627\u0626\u0643 \u0644\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0644\u0634\u0631\u0648\u0637 \u0648\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062a\u0627\u062c\u0631\u061b
\n(\u0628) \u0623\u0646\u0646\u0627 \u0644\u0633\u0646\u0627 \u0648\u0643\u0644\u0627\u0621 \u0623\u0648 \u0645\u0645\u062b\u0644\u064a\u0646 \u0646\u062a\u0635\u0631\u0641 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0627\u0644\u062a\u0627\u062c\u0631\u061b
\n(\u062c) \u0623\u0646 \u0634\u0631\u0648\u0637 \u0648\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0648\u0623\u064a \u0633\u064a\u0627\u0633\u0627\u062a \u0623\u0648 \u0639\u0631\u0648\u0636 \u062a\u0631\u0648\u064a\u062c\u064a\u0629\u060c \u0645\u0633\u062a\u0642\u0644\u0629 \u0639\u0646 PayLater \u0648\u0644\u0627 \u062a\u062e\u0636\u0639 \u0644\u0633\u064a\u0637\u0631\u062a\u0646\u0627\u061b
\n(\u062f) \u0623\u0646\u0646\u0627 \u0644\u0627 \u0646\u0642\u062f\u0645 \u0623\u064a \u0636\u0645\u0627\u0646 \u0628\u0634\u0623\u0646 \u062d\u0627\u0644\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u062a\u064a \u064a\u0628\u064a\u0639\u0647\u0627 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u062a\u0634\u062a\u0631\u064a\u0647\u0627 \u0623\u0648 \u0642\u0627\u0628\u0644\u064a\u062a\u0647\u0627 \u0644\u0644\u062a\u0633\u0648\u064a\u0642 \u0623\u0648 \u0645\u0644\u0627\u0621\u0645\u062a\u0647\u0627 \u0644\u063a\u0631\u0636 \u0645\u0639\u064a\u0646\u061b
\n(\u0647\u0640) \u0623\u0646\u0643 \u0633\u062a\u0648\u062c\u0647 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0625\u0644\u0649 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0644\u064a\u0633 \u0625\u0644\u064a\u0646\u0627\u061b \u0648
\n(\u0648) \u0623\u0646\u0646\u0627 \u0644\u0627 \u0646\u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u062a\u062c\u0627\u0647\u0643 \u0623\u064a\u0627\u064b \u0643\u0627\u0646\u062a \u0639\u0646 \u0623\u064a \u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u062a\u0646\u0634\u0623 \u0639\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0623\u0648 \u0634\u0631\u0627\u0626\u0643 \u0644\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0645\u0646 \u062a\u0627\u062c\u0631.<\/p>\n

18.5<\/strong> \u062f\u0648\u0646 \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0628\u0645\u0627 \u0633\u0628\u0642\u060c \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0630\u064a \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u060c \u0641\u0625\u0646\u0643 \u062a\u0639\u0648\u0636 \u0648\u062a\u0628\u0631\u0626 \u0648\u062a\u062d\u0645\u064a PayLater \u0648\u0645\u062f\u064a\u0631\u064a\u0646\u0627 \u0648\u0645\u0633\u0624\u0648\u0644\u064a\u0646\u0627 \u0648\u0645\u0648\u0638\u0641\u064a\u0646\u0627 \u0648\u0634\u0631\u0643\u0627\u062a\u0646\u0627 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0648\u0648\u0643\u0644\u0627\u0626\u0646\u0627 \u0645\u0646 \u0648\u0636\u062f \u0623\u064a \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u0627\u0644\u062f\u0639\u0627\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0637\u0627\u0644\u0628 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u064f\u0631\u0641\u0639 \u0636\u062f\u0646\u0627\u060c \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u0623\u0648 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u062a\u0646\u0634\u0623 \u0639\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0623\u0648 \u0627\u0639\u062a\u0645\u0627\u062f\u0643 \u0639\u0644\u0649 \u0623\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u062a\u0645 \u0634\u0631\u0627\u0624\u0647\u0627 \u0645\u0646 \u062a\u0627\u062c\u0631.<\/p>\n

19. \u0627\u0644\u0645\u062f\u0629 \u0648\u0627\u0644\u0625\u0646\u0647\u0627\u0621<\/strong><\/p>\n

19.1<\/strong> \u062a\u0638\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0633\u0627\u0631\u064a\u0629 \u0637\u0648\u0627\u0644 \u0645\u062f\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a PayLater.<\/p>\n

19.2<\/strong> \u062a\u0633\u0631\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 (\u0628\u0635\u064a\u063a\u062a\u0647\u0627 \u0627\u0644\u0645\u0639\u062f\u0644\u0629 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631) \u062d\u062a\u0649 \u064a\u062a\u0645 \u0625\u0646\u0647\u0627\u0624\u0647\u0627 \u0648\u0641\u0642\u0627\u064b \u0644\u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f.<\/p>\n

19.3<\/strong> \u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u0625\u0646\u0647\u0627\u0621 \u062d\u0642\u0643 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0637\u0644\u0642.<\/p>\n

19.4<\/strong> \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u062f\u064a\u0646\u0627\u064b \u0628\u0623\u064a \u0623\u0642\u0633\u0627\u0637 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0633\u0631\u064a\u0627\u0646 \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0641\u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062f\u0641\u0639\u0647\u0627 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u062e\u0644\u0627\u0644 \u0633\u0628\u0639\u0629 (7) \u0623\u064a\u0627\u0645 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0625\u0646\u0647\u0627\u0621.<\/p>\n

19.5<\/strong> \u0644\u0646 \u064a\u0624\u062f\u064a \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0625\u0644\u0649 \u0625\u0646\u0647\u0627\u0621 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631.<\/p>\n

19.6<\/strong> \u062a\u062e\u0636\u0639 \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\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a\u0643 \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631 \u0644\u062a\u0644\u0643 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0648\u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627.<\/p>\n

19.7<\/strong> \u0633\u0646\u062d\u062a\u0641\u0638 \u0628\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0628\u0639\u062f \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628 PayLater \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0648\u0641\u0642\u0627\u064b \u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0646\u0627.<\/p>\n

19.8 \u0645\u062f\u0629 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629:<\/strong> \u062a\u0628\u062f\u0623 \u0645\u062f\u0629 \u0643\u0644 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0634\u0631\u0627\u0621 \u0622\u0646\u064d \u0648\u062f\u0641\u0639 \u0644\u0627\u062d\u0642 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0634\u0631\u0627\u0621 \u0648\u062a\u0646\u062a\u0647\u064a \u0639\u0646\u062f \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0643\u0627\u0645\u0644 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0623\u0648 \u0639\u0646\u062f \u0627\u0644\u0625\u0646\u0647\u0627\u0621 \u0627\u0644\u0645\u0628\u0643\u0631 \u0644\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

19.9 \u062d\u0642\u0648\u0642 \u0627\u0644\u0627\u0646\u0633\u062d\u0627\u0628:<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0642\u0631\u0648\u0636 \u0646\u0634\u0637\u0629\u060c \u064a\u062d\u0642 \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0627\u0646\u0633\u062d\u0627\u0628 \u0645\u0646 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u062e\u0644\u0627\u0644 \u0623\u0631\u0628\u0639\u0629 \u0639\u0634\u0631 (14) \u064a\u0648\u0645\u0627\u064b \u062a\u0642\u0648\u064a\u0645\u064a\u0627\u064b \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 (“\u0641\u062a\u0631\u0629 \u0627\u0644\u0627\u0646\u0633\u062d\u0627\u0628”<\/strong>)\u060c \u062f\u0648\u0646 \u0625\u0628\u062f\u0627\u0621 \u0623\u064a \u0633\u0628\u0628. \u0648\u0644\u0645\u0645\u0627\u0631\u0633\u0629 \u0647\u0630\u0627 \u0627\u0644\u062d\u0642\u060c \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u062e\u0637\u0627\u0631 PayLater \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0627\u0646\u0633\u062d\u0627\u0628. \u0648\u0639\u0646\u062f \u0627\u0644\u0627\u0646\u0633\u062d\u0627\u0628 \u0627\u0644\u0635\u062d\u064a\u062d: (\u0623) \u064a\u0638\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0644\u0632\u0645\u0627\u064b \u0628\u0633\u062f\u0627\u062f \u0623\u064a \u0645\u0628\u0644\u063a \u062a\u0645 \u0635\u0631\u0641\u0647 \u0628\u0627\u0644\u0641\u0639\u0644 \u0644\u0644\u062a\u0627\u062c\u0631\u061b (\u0628) \u062a\u062d\u0643\u0645 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0625\u0631\u062c\u0627\u0639 \u0648\u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u064a \u0625\u0631\u062c\u0627\u0639 \u0644\u0644\u0633\u0644\u0639\u061b \u0648(\u062c) \u062a\u0636\u064a\u0641 PayLater \u0623\u064a \u0645\u0628\u0627\u0644\u063a \u0645\u0633\u062a\u0631\u062f\u0629 \u064a\u0624\u0643\u062f\u0647\u0627 \u0627\u0644\u062a\u0627\u062c\u0631 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0641\u0642\u0627\u064b \u0644\u0630\u0644\u0643.<\/p>\n

20. \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a<\/strong><\/p>\n

20.1<\/strong> \u0625\u0630\u0627 \u0646\u0634\u0623 \u0623\u064a \u0646\u0632\u0627\u0639 \u0628\u0634\u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u062a\u0623\u062e\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u064a\u062a\u0645 \u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0628\u0645\u0647\u0644\u0629 \u0623\u0633\u0628\u0648\u0639 (1) \u0648\u0627\u062d\u062f \u0639\u0644\u0649 \u0639\u0646\u0648\u0627\u0646 \u0628\u0631\u064a\u062f\u0647 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a. \u0648\u064a\u062d\u0642 \u0644\u0640 PayLater \u0628\u0639\u062f \u0630\u0644\u0643 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0630\u064a \u062a\u0631\u0627\u0647 \u0645\u0646\u0627\u0633\u0628\u0627\u064b.<\/p>\n

20.2<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u062a\u0645\u0643\u0646 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0645\u0646 \u062d\u0644 \u0627\u0644\u0646\u0632\u0627\u0639\u060c \u064a\u062a\u0641\u0642 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u0642\u0636\u0627\u0626\u064a \u0627\u0644\u062d\u0635\u0631\u064a \u0644\u0623\u064a \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u064a\u0643\u0648\u0646 \u0644\u0645\u062d\u0627\u0643\u0645 \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.<\/p>\n

20.3<\/strong> \u062a\u062e\u0636\u0639 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u062f\u0648\u0644\u0629 \u0642\u0637\u0631 \u0628\u0635\u0631\u0641 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0623\u064a \u062a\u0639\u0627\u0631\u0636 \u0641\u064a \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0642\u0627\u0646\u0648\u0646.<\/p>\n

20.4<\/strong> \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0643\u0644 \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621\u060c \u0641\u0625\u0646 \u062d\u0642\u0648\u0642\u0643 \u0648\u0633\u0628\u0644 \u0627\u0644\u0627\u0646\u062a\u0635\u0627\u0641 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643 \u0643\u0645\u0633\u062a\u0647\u0644\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0633\u0644\u0639 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062d\u0642\u0648\u0642 \u0637\u0644\u0628 \u0648\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0627\u0644\u063a) \u062a\u0643\u0648\u0646 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 PayLater.<\/p>\n

20.5 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0642\u064a\u0648\u062f \u0627\u0644\u0633\u0641\u0631:<\/strong> \u0641\u064a \u062d\u0627\u0644 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u062a\u062d\u062a\u0641\u0638 PayLater \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0628\u062f\u0621 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0623\u0646\u0638\u0645\u0629 \u062f\u0648\u0644\u0629 \u0642\u0637\u0631. \u0648\u0642\u062f \u062a\u0634\u0645\u0644 \u0647\u0630\u0647 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0631\u0641\u0639 \u0627\u0644\u062f\u0639\u0627\u0648\u0649 \u0648\u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0625\u0644\u0649 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0641\u0631\u0636 \u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0627\u0644\u0633\u0641\u0631 (\u0645\u0646\u0639 \u0627\u0644\u0633\u0641\u0631) \u062d\u064a\u062b\u0645\u0627 \u064a\u0633\u0645\u062d \u0627\u0644\u0642\u0627\u0646\u0648\u0646. \u0648\u064a\u062c\u0648\u0632 \u0644\u0640 PayLater \u0645\u0645\u0627\u0631\u0633\u0629 \u0647\u0630\u0647 \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0646\u0641\u0631\u062f\u060c \u062d\u062a\u0649 \u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0633\u062f\u0627\u062f \u0642\u0633\u0637 \u0648\u0627\u062d\u062f.<\/p>\n

21. \u0623\u062d\u0643\u0627\u0645 \u0645\u062a\u0646\u0648\u0639\u0629<\/strong><\/p>\n

21.1<\/strong> \u064a\u062d\u0642 \u0644\u0640 PayLater \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u062d\u0642\u0648\u0642\u0647\u0627 \u062a\u062c\u0627\u0647 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0646\u0642\u0644 \u0643\u0627\u0645\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629 \u0625\u0644\u0649 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0623\u0648 \u0625\u0644\u0649 \u0623\u062d\u062f \u0645\u0645\u062b\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u0641\u0648\u0636\u064a\u0646 \u0644\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0647\u0627. \u0648\u0644\u0627 \u064a\u064f\u0639\u062f \u0630\u0644\u0643 \u0627\u0646\u062a\u0647\u0627\u0643\u0627\u064b \u0644\u0628\u0646\u062f \u0627\u0644\u0633\u0631\u064a\u0629.<\/p>\n

21.2<\/strong> \u064a\u0642\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0623\u0646\u0647 \u0628\u062a\u0648\u0642\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0633\u0646\u062f \u0627\u0644\u0625\u0630\u0646\u064a \u0627\u0644\u0645\u0631\u0641\u0642 \u064a\u062d\u0642 \u0644\u0640 PayLater \u062a\u0642\u062f\u064a\u0645\u0647 \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0635\u0629.<\/p>\n

21.3<\/strong> \u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u0633\u0644\u0629 \u0625\u0644\u0649 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u0639\u0645\u064a\u0644 \u0642\u062f \u0623\u064f\u0631\u0633\u0644\u062a \u0625\u0644\u064a\u0647 \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0642\u0627\u0646\u0648\u0646 \u0648\u062a\u062a\u0631\u062a\u0628 \u0639\u0644\u064a\u0647\u0627 \u0643\u0627\u0641\u0629 \u0627\u0644\u0622\u062b\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629.<\/p>\n

21.4<\/strong> \u062a\u062d\u062a\u0648\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0628\u064a\u0646\u0646\u0627 \u0648\u0628\u064a\u0646\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0648\u0636\u0648\u0639\u0647\u0627 \u0648\u062a\u062d\u0644 \u0645\u062d\u0644 \u0648\u062a\u0633\u062a\u0628\u0639\u062f \u0623\u064a \u0634\u0631\u0648\u0637 \u0623\u0648 \u062a\u0641\u0627\u0647\u0645\u0627\u062a \u0623\u0648 \u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0633\u0627\u0628\u0642\u0629 \u0628\u064a\u0646\u0646\u0627 \u0648\u0628\u064a\u0646\u0643\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0634\u0641\u0647\u064a\u0629 \u0623\u0648 \u0643\u062a\u0627\u0628\u064a\u0629.<\/p>\n

21.5<\/strong> \u0644\u0627 \u064a\u064f\u0639\u062f \u0639\u062f\u0645 \u0645\u0645\u0627\u0631\u0633\u0629 \u0623\u0648 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0645\u0645\u0627\u0631\u0633\u0629 \u0623\u064a \u062d\u0642 \u0623\u0648 \u0635\u0644\u0627\u062d\u064a\u0629 \u0623\u0648 \u0633\u0628\u064a\u0644 \u0627\u0646\u062a\u0635\u0627\u0641 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u062a\u0646\u0627\u0632\u0644\u0627\u064b \u0639\u0646\u0647.<\/p>\n

21.6<\/strong> \u0623\u064f\u062f\u0631\u062c\u062a \u0639\u0646\u0627\u0648\u064a\u0646 \u0623\u0642\u0633\u0627\u0645 \u0627\u0644\u0634\u0631\u0648\u0637 \u0644\u0644\u062a\u064a\u0633\u064a\u0631 \u0641\u0642\u0637 \u0648\u0644\u0627 \u064a\u064f\u0642\u0635\u062f \u0628\u0647\u0627 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0639\u0644\u0649 \u0645\u0639\u0646\u0649 \u0623\u0648 \u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

21.7<\/strong> \u0625\u0630\u0627 \u0642\u0631\u0631\u062a \u0645\u062d\u0643\u0645\u0629 \u0630\u0627\u062a \u0627\u062e\u062a\u0635\u0627\u0635 \u0642\u0636\u0627\u0626\u064a \u0645\u062e\u062a\u0635 \u0623\u0646 \u0623\u064a \u062d\u0643\u0645 \u0645\u0646 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u0648\u0637 \u0628\u0627\u0637\u0644 \u0623\u0648 \u063a\u064a\u0631 \u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u0646\u0641\u064a\u0630\u060c \u062a\u0638\u0644 \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0645\u0644\u0632\u0645\u0629 \u0648\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0646\u0641\u064a\u0630 \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646.<\/p>\n

21.8<\/strong> \u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0645\u0627 \u0647\u0648 \u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647 \u0635\u0631\u0627\u062d\u0629\u064b \u0641\u064a \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0644\u0627 \u064a\u064f\u0642\u0635\u062f \u0628\u0623\u064a \u062d\u0643\u0645 \u0645\u0646\u062d \u0623\u0648 \u0625\u0646\u0634\u0627\u0621 \u0623\u064a \u062d\u0642\u0648\u0642 \u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646 \u0645\u0646 \u0627\u0644\u063a\u064a\u0631 \u0623\u0648 \u0623\u064a \u062d\u0642\u0648\u0642 \u0623\u062e\u0631\u0649 \u0645\u0646 \u0623\u064a \u0646\u0648\u0639 \u0644\u0623\u064a \u0634\u062e\u0635 \u0623\u0648 \u0643\u064a\u0627\u0646 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

21.9<\/strong> \u062d\u064f\u0631\u0631\u062a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0628\u0635\u064a\u063a\u0629 \u062b\u0646\u0627\u0626\u064a\u0629 \u0627\u0644\u0644\u063a\u0629. \u0648\u0641\u064a \u062d\u0627\u0644 \u0648\u062c\u0648\u062f \u0623\u064a \u062a\u0639\u0627\u0631\u0636 \u0623\u0648 \u063a\u0645\u0648\u0636\u060c \u062a\u0643\u0648\u0646 \u0627\u0644\u0646\u0633\u062e\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0647\u064a \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629.<\/p>\n

21.10<\/strong> \u064a\u0648\u0627\u0641\u0642 \u0627\u0644\u0639\u0645\u064a\u0644 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u062a\u0642\u0627\u0637 \u0635\u0648\u0631\u062a\u0647 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 (\u0627\u0644\u0633\u064a\u0644\u0641\u064a) \u0623\u0648 \u0625\u0636\u0627\u0641\u0629 \u062a\u0648\u0642\u064a\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u064a\u0634\u0643\u0644 \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0648\u0625\u0642\u0631\u0627\u0631\u0627\u064b \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629.<\/p>\n","protected":false},"excerpt":{"rendered":"

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