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<TR><TD width="100 %" class="tds1"><P class="ps16"><FONT class="fs188"> &nbsp;</FONT><FONT class="fs186"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps6"><FONT class="fs64">Ð²ØÅÍÍß</FONT></P>
<P class="ps6"><FONT class="fs63">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TR><TD width="50 %" class="tds5"><P>20.04.2015</P></TD><TD width="50 %" class="tds5"><P class="ps15"><FONT class="fs79"> ¹910/4408/15-ã</FONT></P></TD></TR>
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<TR><TD width="14 %" class="tds7"><P><FONT class="fs78">Çà ïîçîâîì</FONT></P></TD><TD width="86 %" class="tds7"><P class="ps13">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíîãî áàíêó "Ïðèâàòáàíê"</P></TD></TR>
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<TR><TD width="14 %" class="tds8"><P class="ps14"><FONT class="fs77">äî </FONT>&nbsp;&nbsp;</P></TD><TD width="86 %" class="tds8"><P class="ps12">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Íåðóäêîìïëåêò"</P></TD></TR>
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<TR><TD width="14 %" class="tds9"><P class="ps14"><FONT class="fs76">ïðî</FONT></P></TD><TD width="86 %" class="tds9"><P class="ps12">ñòÿãíåííÿ 68 067,79 ãðí.</P></TD></TR>
<P class="ps3">                                                                                 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs75">Ñóääÿ Ë³òâ³íîâà Ì.ª.</FONT></P>
<P class="ps3"><FONT class="fs74">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P class="ps3">â³ä ïîçèâà÷à: &nbsp;&nbsp;&nbsp;&nbsp;íå ç'ÿâèëèñü; </P>
<P class="ps3">â³ä â³äïîâ³äà÷à: íå ç'ÿâèëèñü.</P>
<P class="ps7"><FONT class="fs73">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps4">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê "Ïðèâàòáàíê" çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Íåðóäêîìïëåêò" ïðî ñòÿãíåííÿ 68 067,79 ãðí. çàáîðãîâàíîñò³ òà øòðàôíèõ ñàíêö³é çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹á/í â³ä 11.04.2011. Ïîçîâí³ âèìîãè âìîòèâîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì ñâî¿õ çîáîâ'ÿçàíü çà âèùåâêàçàíèì äîãîâîðîì.</P>
<P class="ps4">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 27.02.2015 ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹910/4408/15-ã, ðîçãëÿä ñïðàâè ïðèçíà÷åíèé íà 25.03.2015.</P>
<P class="ps11">Óõâàëîþ â³ä 25.03.2015 â³äêëàäåíî ðîçãëÿä ñïðàâè íà 20.04.2015.</P>
<P class="ps11">Â³äïîâ³äà÷ ÿâêó óïîâíîâàæåíèõ ïðåäñòàâíèê³â &nbsp;â ñóäîâå çàñ³äàííÿ íå çàáåçïå÷èâ, ïðî äàòó òà ÷àñ ðîçãëÿäó ñïðàâè ïîâ³äîìëåíèé íàëåæíèì ÷èíîì.</P>
<P class="ps4"><FONT class="fs72">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà,-</FONT></P>
<P class="ps8"><FONT class="fs71">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps4">11.04.2011 â³äïîâ³äà÷ çâåðíóâñÿ äî áàíêó ç çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, ó ðîçä³ë³ 1 (â³äêðèòòÿ ðàõóíêó) ÿêî¿ çàçíà÷åíî, ùî ï³äïèñàâøè äàíó çàÿâó, êë³ºíò ïîãîäæóºòüñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³, ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ çà ðîçðàõóíêîâèìè êàðòêàìè (ùî ðîçì³ùåí³ íà ñàéò³ áàíêó http:// privatbank.ua), òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç ö³ºþ çàÿâîþ òà êàðòêîþ ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </P>
<P class="ps4">Â³äïîâ³äíî äî ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó.</P>
<P class="ps4">Çà ïðèïèñàìè ñò.ñò. 11, 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿ âèíèêàþòü, çîêðåìà, ç äîãîâîðó.</P>
<P class="ps4">Çã³äíî ³ç ñò.ñò. 6, 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³.</P>
<P class="ps4">Â³äïîâ³äíî äî ÷. 1 ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè.</P>
<P class="ps4">Ñòàòòåþ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. </P>
<P class="ps4">Çà çì³ñòîì ñò. 205 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ìîæå â÷èíÿòèñÿ óñíî àáî â ïèñüìîâ³é ôîðì³. Ñòîðîíè ìàþòü ïðàâî îáèðàòè ôîðìó ïðàâî÷èíó, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì. Ïðàâî÷èí, äëÿ ÿêîãî çàêîíîì íå âñòàíîâëåíà îáîâ'ÿçêîâà ïèñüìîâà ôîðìà, ââàæàºòüñÿ â÷èíåíèì, ÿêùî ïîâåä³íêà ñòîð³í çàñâ³ä÷óº ¿õíþ âîëþ äî íàñòàííÿ â³äïîâ³äíèõ ïðàâîâèõ íàñë³äê³â. </P>
<P class="ps4">Ïðè öüîìó, çà ïðèïèñàìè ñò. 207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî éîãî çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâ'ÿçêó. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî â³í ï³äïèñàíèé éîãî ñòîðîíîþ (ñòîðîíàìè). </P>
<P class="ps4">×àñòèíîþ 1 ñòàòò³ 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ãîñïîäàðñüêèé äîãîâ³ð çà çàãàëüíèì ïðàâèëîì âèêëàäàºòüñÿ ó ôîðì³ ºäèíîãî äîêóìåíòà, ï³äïèñàíîãî ñòîðîíàìè òà ñêð³ïëåíîãî ïå÷àòêàìè. Äîïóñêàºòüñÿ óêëàäåííÿ ãîñïîäàðñüêèõ äîãîâîð³â ó ñïðîùåíèé ñïîñ³á, òîáòî øëÿõîì îáì³íó ëèñòàìè, ôàêñîãðàìàìè, òåëåãðàìàìè, òåëåôîíîãðàìàìè òîùî, à òàêîæ øëÿõîì ï³äòâåðäæåííÿ ïðèéíÿòòÿ äî âèêîíàííÿ çàìîâëåíü, ÿêùî çàêîíîì íå âñòàíîâëåíî ñïåö³àëüí³ âèìîãè äî ôîðìè òà ïîðÿäêó óêëàäåííÿ äàíîãî âèäó äîãîâîð³â.</P>
<P class="ps5">Â³äïîâ³äíî äî ï. 3.2.1.1.16 Óìîâ, ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê / ³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³). Áàíê ³ Êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â Êë³ºíòà ó âèãëÿä³ åëåêòðîííî - öèôðîâîãî ï³äïèñó òà / àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, ñïðÿìîâàíèé Áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó, ÿêèé íàëåæèòü óïîâíîâàæåí³é îñîá³ Êë³ºíòà ç ïðàâîì ïåðøîãî ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</P>
<P class="ps4">Çà òàêèõ îáñòàâèí ñóä ïðèõîäèòü äî âèñíîâêó, ùî ì³æ ñòîðîíàìè áóëî óêëàäåíî äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 11.04.2011 (íàäàë³ - "Äîãîâ³ð").</P>
<P class="ps4">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ.</P>
<P class="ps4">Çà çì³ñòîì ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ñóá'ºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, à çà â³äñóòíîñò³ êîíêðåòíèõ âèìîã ùîäî âèêîíàííÿ çîáîâ'ÿçàííÿ - â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ.</P>
<P class="ps4">Â³äïîâ³äíî äî ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </P>
<P class="ps4">Ó â³äïîâ³äíîñò³ ç ÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</P>
<P class="ps4">×àñòèíîþ 1 ñòàòò³ 634 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî äîãîâîðîì ïðèºäíàííÿ º äîãîâ³ð, óìîâè ÿêîãî âñòàíîâëåí³ îäí³ºþ ³ç ñòîð³í ó ôîðìóëÿðàõ àáî ³íøèõ ñòàíäàðòíèõ ôîðìàõ, ÿêèé ìîæå áóòè óêëàäåíèé ëèøå øëÿõîì ïðèºäíàííÿ äðóãî¿ ñòîðîíè äî çàïðîïîíîâàíîãî äîãîâîðó â ö³ëîìó. Äðóãà ñòîðîíà íå ìîæå çàïðîïîíóâàòè ñâî¿ óìîâè äîãîâîðó.</P>
<P class="ps4">Çà ñâîºþ ïðàâîâîþ ïðèðîäîþ âçàºìîâ³äíîñèíè, ùî ñêëàëèñÿ ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷åì, º êðåäèòíèìè.</P>
<P class="ps4">Â³äïîâ³äíî äî ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè. </P>
<P class="ps4">Çã³äíî ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì.</P>
<P class="ps4">Â³äïîâ³äíî äî ÷. ÷. 1, 3 ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê. Ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó &nbsp;òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</P>
<P class="ps4">Çã³äíî ÷. 2 ñò. 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ÿêùî äîãîâîðîì âñòàíîâëåíèé îáîâ'ÿçîê ïîçè÷àëüíèêà ïîâåðíóòè ïîçèêó ÷àñòèíàìè (ç ðîçñòðî÷åííÿì),&nbsp; &nbsp;&nbsp;&nbsp;òî â ðàç³ ïðîñòðî÷åííÿ ïîâåðíåííÿ ÷åðãîâî¿ ÷àñòèíè ïîçèêîäàâåöü ìàº ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ ÷àñòèíè ïîçèêè, ùî çàëèøèëàñÿ, òà ñïëàòè ïðîöåíò³â íàëåæíèõ éîìó.</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.1.1 Óìîâ, êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàñòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêà òà Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.1.3 Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè.</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.1.8 Óìîâ, ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê / ³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - Óãîäà).</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.1.6 &nbsp;Óìîâ, Ë³ì³ò ìîæå áóòè çì³íåíèé Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè Áàíêó. Ï³äïèñàâøè Óãîäó, Êë³ºíò âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà Ë³ì³òó ïðîâîäèòüñÿ Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó ³ Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</P>
<P class="ps4">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.2.1.4, ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ Êë³ºíò âèïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps4">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³- ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps4">Ïðè íåîáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36.00% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</P>
<P class="ps4">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</P>
<P class="ps4">Ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</P>
<P class="ps4">Ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç ìîìåíòó óòâîðåííÿ íà ïîòî÷íîìó ðàõóíêó äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, çà ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàíü â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè.</P>
<P class="ps4">ßê âáà÷àºòüñÿ ³ç ìàòåð³àë³â ñïðàâè, çà êîðèñòóâàííÿ â³äïîâ³äà÷åì êðåäèòíèì êîøòàìè Áàíêîì íàðàõîâàí³ ïðîöåíòè &nbsp; 14 526,08 ãðí.</P>
<P class="ps4">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ<FONT class="fs180"> </FONT>ïðîñòðî÷åíèìè.</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4 Óìîâ, áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè: çì³íèòè óìîâè êðåäèòóâàííÿ, âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.5.1 &nbsp;Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè ï. ï. 3.2.1.2.2.2, 3.2.1.4.1, &nbsp;3.2.1.4.2, 3.2.1.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï. ï. 3.2.1.1.8, 3.2.1.2.2.3, 3.2.1.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíî¿ ï.ï. 3.2.1.2.2, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6 Êë³ºíò ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ Áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</P>
<P class="ps4">Â³äïîâ³äíî äî ï.6 ñòàòò³ 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</P>
<P class="ps4">Â³äïîâ³äíî äî 3.2.1.5.4 Óìîâ, íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.5.1, 3.2.1.5.2, 3.2.1.5.3 çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</P>
<P class="ps4">Ïóíêòîì 3.2.1.6.1. Óìîâ çàçíà÷åíî, ùî îáñëóãîâóâàííÿ êðåäèòíîãî Ë³ì³òó íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà çä³éñíþºòüñÿ ç ìîìåíòó ïîäà÷³ Êë³ºíòîì äî Áàíêó çàÿâè íà ïðèºäíàííÿ äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà / àáî ç ìîìåíòó íàäàííÿ Êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíîãî Ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè.</P>
<P class="ps4">Ìàòåð³àëàìè ñïðàâè ï³äòâåðäæóºòüñÿ íàÿâí³ñòü ó â³äïîâ³äà÷à ãðîøîâîãî çîáîâ'ÿçàííÿ ïî ñïëàò³ íà êîðèñòü ïîçèâà÷à çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 44 572,97 ãðí. òà ïðîöåíò³â ó ðîçì³ð³ 14 526,08 ãðí. íà ï³äñòàâ³ äîãîâîðó. Â³äïîâ³äà÷åì âêàçàíà çàáîðãîâàí³ñòü íå ñïðîñòîâàíà, äîêàç³â ¿¿ ïîãàøåííÿ íå íàäàíî.</P>
<P class="ps1">Â³äïîâ³äíî äî ñò.ñò. 610, 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì &nbsp;&nbsp;óìîâ, &nbsp;&nbsp;âèçíà÷åíèõ &nbsp;çì³ñòîì &nbsp;çîáîâ'ÿçàííÿ &nbsp;(íåíàëåæíå âèêîíàííÿ), à áîðæíèê &nbsp;ââàæàºòüñÿ &nbsp;òàêèì, &nbsp;ùî &nbsp;ïðîñòðî÷èâ, &nbsp;ÿêùî &nbsp;â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî &nbsp;ó &nbsp;ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì òà ÿêùî âíàñë³äîê ïðîñòðî÷åííÿ áîðæíèêà âèêîíàííÿ çîáîâ'ÿçàííÿ âòðàòèëî ³íòåðåñ äëÿ êðåäèòîðà, &nbsp;â³í ìîæå â³äìîâèòèñÿ â³ä ïðèéíÿòòÿ âèêîíàííÿ ³ âèìàãàòè â³äøêîäóâàííÿ çáèòê³â.</P>
<P class="ps1">Âèìîãàìè ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü &nbsp;ïðàâîâ³ &nbsp;íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, à ñàìå ÿê ñïëàòà íåóñòîéêè òàê ³ â³äøêîäóâàííÿ çáèòê³â.</P>
<P class="ps4"> Ñòàòòÿ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëþº, ùî íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ. &nbsp;</P>
<P class="ps0">Ñòàòòÿ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëþº, ùî øòðàôí³ ñàíêö³¿ öå ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, &nbsp;øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâ'ÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì &nbsp;ïðàâèë &nbsp;çä³éñíåííÿ &nbsp;ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâ'ÿçàííÿ.</P>
<P class="ps4"> Îñê³ëüêè â³äïîâ³äà÷åì äîïóùåíî ïðîñòðî÷åííÿ âèêîíàííÿ ñâî¿õ çîáîâÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 11.04.2011 ùîäî ïîâåðíåííÿ &nbsp;êðåäèòíèõ êîøò³â, ñïëàòè ïðîöåíò³â òà êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, íàâåäåí³ ïîðóøåííÿ â³äïîâ³äà÷åì ñâî¿õ çîáîâÿçàíü º ï³äñòàâàìè äëÿ çàñòîñóâàííÿ äî â³äïîâ³äà÷à &nbsp;â³äïîâ³äàëüíîñò³ ó âèãëÿä³ ïåí³, ùî îáóìîâëåíî ÿê ñò.ñò. 549, 611, 610, 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, òàê ³ ï.3.2.1.5.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã. &nbsp;</P>
<P class="ps4">Ñóä ïåðåâ³ðèâ íàäàíèé ïîçèâà÷åì ðîçðàõóíîê òà ââàæàº çà ìîæëèâå ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ, íàðàõîâàíó çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâ'ÿçàííÿ çà äîãîâîðîì ó ðîçì³ð³ 6 160,62 ãðí.</P>
<P class="ps4">Çà òàêèõ îáñòàâèí, ñóä ïðèõîäèòü äî âèñíîâêó ïðî íåîáõ³äí³ñòü çàäîâîëüíèòè ïîçîâ â ïîâíîìó îáñÿç³ òà ñòÿãíóòè ç â³äïîâ³äà÷àíà êîðèñòü áàíêó çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 44 572,97 ãðí., çàáîðãîâàíîñò³ ïî ñïëàò³ ïðîöåíò³â ó ðîçì³ð³ 14 526,08 ãðí., ïåí³ çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâ'ÿçàííÿ çà äîãîâîðîì ó ðîçì³ð³&nbsp; &nbsp;&nbsp;6 160,62&nbsp; ãðí. òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 2 808,12 ãðí.</P>
<P class="ps4">Â³äïîâ³äíî äî âèìîã ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</P>
<P class="ps4"> Âðàõîâóþ÷è âèùåâèêëàäåíå òà êåðóþ÷èñü ñò.ñò. 32, 33, 43, 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, -</P>
<P class="ps8"><FONT class="fs70">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5">1.Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps5">3.Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</P>
<P class="ps11">4.Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàç.</P>
<P class="ps11"><FONT class="fs182">Äàòà ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ: 24.04.2015.</FONT></P>
<P class="ps11"><FONT class="fs69">Ñóääÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ì.ª. Ë³òâ³íîâà</FONT></P>
<P class="ps11"><FONT class="fs68"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>