<TITLE>908/4121/15</TITLE>
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<P class="ps10"><FONT class="fs124"> &nbsp;íîìåð ïðîâàäæåííÿ ñïðàâè &nbsp;3/99/15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs132"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs128"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps5"><FONT class="fs52">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÇÀÏÎÐ²ÇÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps5"><FONT class="fs74"> &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs47">ÓÕÂÀËÀ &nbsp;</FONT></P>
<P class="ps5">ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ &nbsp;<FONT class="fs51">&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs46">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs44"> &nbsp;</FONT></P>
<P><FONT class="fs50"> 15.07.2015 &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;Ñïðàâà ¹ &nbsp;908/4121/15 &nbsp;</FONT></P>
<P><FONT class="fs70">ïðî </FONT><FONT class="fs118">ñòÿãíåííÿ çàáîðãîâàíîñò³ â ñóì³ 55&nbsp; 480, 52 ãðí.</FONT></P>
<P class="ps1"><FONT class="fs117">Â³äïîâ³äíî äî Ïðîòîêîëó àâòîìàòèçîâàíîãî ðîçïîä³ëó ñóäîâî¿ ñïðàâè ì³æ ñóääÿìè â³ä 14.07.2015ð. ñïðàâó ïðèçíà÷åíî äëÿ ðîçãëÿäó ñóää³ Ñîëîâéîâó Â.Ì.</FONT></P>
<P class="ps3"><FONT class="fs116">Ðîçãëÿíóâøè íàäàí³ ìàòåð³àëè, ââàæàþ ¿õ äîñòàòí³ìè äëÿ ïðèéíÿòòÿ ïîçîâíî¿ çàÿâè äî ðîçãëÿäó.</FONT></P>
<P class="ps3"><FONT class="fs69">Êåðóþ÷èñü ñò. 61, 64, 65 ÃÏÊ Óêðà¿íè, ñóä</FONT></P>
<P class="ps5"><FONT class="fs68">Ó Õ Â À Ë È Â:</FONT></P>
<P class="ps3"><FONT class="fs115">1. &nbsp;Ïðèéíÿòè ïîçîâíó çàÿâó äî ðîçãëÿäó òà ïîðóøèòè ïðîâàäæåííÿ ó ñïðàâ³.</FONT></P>
<P class="ps3"><FONT class="fs114">2. &nbsp;Ïðèñâî¿òè ñïðàâ³ íîìåð ïðîâàäæåííÿ 3/99/15. </FONT></P>
<P class="ps4"><FONT class="fs113">3.</FONT><FONT class="fs126"> &nbsp;</FONT><FONT class="fs112">Ïðèçíà÷èòè ñïðàâó äî ñóäîâîãî ðîçãëÿäó â ñóäîâîìó çàñ³äàíí³ íà </FONT><FONT class="fs67">05.08.2015ð. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;î 14 ãîä. 30 õâ. </FONT><FONT class="fs122">&nbsp;</FONT></P>
<P class="ps3"><FONT class="fs110">5. Ç ìåòîþ çàáåçïå÷åííÿ ïðàâèëüíîãî ³ ñâîº÷àñíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó â÷èíèòè ä³¿ ïî ï³äãîòîâö³ ñïðàâè äî ðîçãëÿäó, ó çâÿçêó ç ÷èì çîáîâÿçàòè:</FONT></P>
<P class="ps3"><FONT class="fs59">Ïîçèâà÷à</FONT><FONT class="fs109"> - íàäàòè</FONT><FONT class="fs66"> </FONT><FONT class="fs108">âñ³ äîêóìåíòè ³ ìàòåð³àëè, ÿê³ ì³ñòÿòü äàí³ ïðî îáñòàâèíè, ùî ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ñïîðó. Êð³ì òîãî, íàäàòè Âèòÿã (Âèïèñêó) ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â ñòîñîâíî â³äïîâ³äà÷à ñòàíîì íà ÷àñ ðîçãëÿäó ñïðàâè, íîðìàòèâíå îá´ðóíòóâàííÿ çàÿâëåíèõ âèìîã ³ç äîêóìåíòàëüíèì ï³äòâåðäæåííÿì îáñòàâèí, âèêëàäåíèõ ó ïîçîâ³.</FONT></P>
<P class="ps3"><FONT class="fs107">Çîêðåìà, àëå íå âèêëþ÷íî, íàäàòè:</FONT></P>
<P class="ps3"><FONT class="fs106">1) äîêàçè ôàêòè÷íîãî îòðèìàííÿ â³äïîâ³äà÷åì êðåäèòó â ñóì³ 19 024, 79 ãðí. &nbsp;çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 20.04.2012ð. (ìåìîð³àëüí³ îðäåðè, ïèñüìîâ³ âèïèñêè òîùî);</FONT></P>
<P class="ps3"><FONT class="fs105">2) âñ³ çàÿâè, çâåðíåííÿ òà áóäü-ÿê³ ³íø³ äîêóìåíòè (â òîìó ÷èñë³ ïåðâèíí³ äîêóìåíòè áóõãàëòåðñüêîãî îáë³êó), ç ÿêèìè â³äïîâ³äà÷ çâåðòàâñÿ (ï³äïèñóâàâ) ïðè îôîðìëåíí³ òà âèêîíàíí³ äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 20.04.2012ð.; &nbsp;&nbsp;</FONT></P>
<P class="ps3"><FONT class="fs104">3) äîêàçè òîãî, ùî â³äïîâ³äà÷ ï³äòâåðäèâ ïðèéíÿòòÿ íèì Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèô³â áàíêó òà áóâ ïîâ³äîìëåíèé ïðî ðîçì³ð êðåäèòíîãî ë³ì³òó, âñòàíîâëåíîãî éîìó ïîçèâà÷åì, ³ íàñë³äêè ïðîñòðî÷åííÿ ñòðîêó ïîãàøåííÿ êðåäèòó çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 20.04.2012ð.;</FONT></P>
<P class="ps3"><FONT class="fs103">4) äåòàëüíèé ðîçðàõóíîê (ïî êîæí³é ïîçèö³¿) çàáîðãîâàíîñò³ â³äïîâ³äà÷à â ñóì³ &nbsp;&nbsp;55&nbsp; 480, 52 ãðí. ç â³äïîâ³äíèìè ïîÿñíåííÿìè, à ñàìå: </FONT></P>
<P class="ps3"><FONT class="fs102">- çàáîðãîâàíîñò³ çà êðåäèòîì â ðîçì³ð³ 19 024, 79 ãðí. (çàçíà÷èòè äàòó âèíèêíåííÿ áîðãó ó â³äïîâ³äà÷à);</FONT></P>
<P class="ps3"><FONT class="fs101">- çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 17&nbsp; 370, 05 ãðí., â ÿêîìó çàçíà÷èòè êîíêðåòíèé ïåð³îä íàðàõóâàííÿ â³äïîâ³äà÷ó ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì ïî ñòàâö³ 24 %, 36 %, 48 %, 56 % òà â³äïîâ³äí³ ñóìè çàëèøêó çàáîðãîâàíîñò³ ïî ò³ëó êðåäèòó çã³äíî âèïèñêè ïî ðàõóíêó;</FONT></P>
<P class="ps3"><FONT class="fs100">- çàáîðãîâàíîñò³ ïî ïåí³ â ðîçì³ð³ 15&nbsp; 330,00 ãðí. çà íåñâîº÷àñíå âèêîíàííÿ â³äïîâ³äà÷åì çîáîâÿçàíü çà äîãîâîðîì, â ÿêîìó çàçíà÷èòè ïåð³îä íàðàõóâàííÿ â³äïîâ³äà÷ó ïåí³; </FONT></P>
<P class="ps3"><FONT class="fs99">- çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 3&nbsp; 755,68 ãðí., â ÿêîìó çàçíà÷èòè ïåð³îä íàðàõóâàííÿ â³äïîâ³äà÷ó êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps3"><FONT class="fs98">5) äîêàçè ïðî ïîâ³äîìëåííÿ â³äïîâ³äà÷à ÷åðåç åëåêòðîííó ñèñòåìó "Ïðèâàò24" ïðî çá³ëüøåííÿ â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì íà ðîçðàõóíêîâîìó ðàõóíêó ç 01.07.2014ð. ó çâÿçêó ³ç ð³çêîþ çì³íîþ âàðòîñò³ ðåñóðñ³â íà ì³æáàíê³âñüêîìó ðèíêó;</FONT></P>
<P class="ps3"><FONT class="fs97">6) ðåäàêö³þ â³äïîâ³äíèõ ïóíêò³â Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ÏóÀÒ ÊÁ ÏÐÈÂÀÒÁÀÍÊ ùîäî íàðàõóâàííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì:</FONT></P>
<P class="ps3"><FONT class="fs96">- ñòàíîì íà ÷àñ óêëàäåííÿ äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 20.04.2012ð.;</FONT></P>
<P class="ps3"><FONT class="fs95">- ñòàíîì íà ÷àñ ä³¿ â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì äî 01.07.2014ð.;</FONT></P>
<P class="ps3"><FONT class="fs94">- ñòàíîì íà ÷àñ ä³¿ â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ï³ñëÿ 01.07.2014ð.;</FONT></P>
<P class="ps3"><FONT class="fs93">7) âñ³ áåç âèêëþ÷åííÿ ð³øåííÿ â³äïîâ³äíîãî êîìïåòåíòíîãî îðãàíó, ÿêèìè âíîñèëèñü çì³íè òà äîïîâíåííÿ Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ÏóÀÒ ÊÁ ÏÐÈÂÀÒÁÀÍÊ òà Òàðèô³â áàíêó ï³ñëÿ 20.04.2012ð. äî òåïåð³øíüîãî ÷àñó;</FONT></P>
<P class="ps3"><FONT class="fs92">8) â³äîìîñò³ ó âèãëÿä³ â³äïîâ³äíèõ áàíê³âñüêèõ âèïèñîê ïðî íàÿâí³ñòü áîðãó òà éîãî ðîçì³ð ñòàíîì íà ÷àñ ðîçãëÿäó ñïðàâè â ñóäîâîìó çàñ³äàíí³ 05.08.2015ð. (ç â³äïîâ³äíèìè ÷³òêèìè, çðîçóì³ëèìè òà äåòàëüíèìè ïîÿñíåííÿìè ùîäî íàðàõóâàííÿ ïðîöåíò³â, ïåí³ òà êîì³ñ³¿);</FONT></P>
<P class="ps3"><FONT class="fs91">9) âëàñíå ïèñüìîâå ï³äòâåðäæåííÿ òîãî, ùî ó ïðîâàäæåíí³ ãîñïîäàðñüêîãî ñóäó àáî ³íøîãî îðãàíó, ÿêèé â ìåæàõ ñâîº¿ êîìïåòåíö³¿ âèð³øóº ãîñïîäàðñüêèé ñï³ð, íåìàº ñïðàâè ç³ ñïîðó ì³æ òèìè æ ñòîðîíàìè, ïðî òîé æå ïðåäìåò ³ ç òèõ æå ï³äñòàâ òà íåìàº ð³øåííÿ öèõ îðãàí³â ç òàêîãî ñïîðó.</FONT></P>
<P class="ps3"><FONT class="fs90">10) îðèã³íàëè ïîäàíèõ ðàçîì ç ïîçîâíîþ çàÿâîþ êîï³é äîêóìåíò³â, ó òîìó ÷èñë³ âèãîòîâëåíèõ ç âèêîðèñòàííÿì òåõí³÷íèõ çàñîá³â, äëÿ ¿õ ìîæëèâîãî îãëÿäó ï³ä ÷àñ ñóäîâîãî ðîçãëÿäó ç íàñòóïíèì ïîâåðíåííÿì öèõ îðèã³íàë³â.</FONT></P>
<P class="ps3"><FONT class="fs89">Íàëåæíèì ÷èíîì çàñâ³ä÷åí³ êîï³¿ âèòðåáóâàíèõ äîêóìåíò³â - ó ñïðàâó, îðèã³íàëè - ñóäó äëÿ îãëÿäó. </FONT></P>
<P class="ps3"><FONT class="fs58">Â³äïîâ³äà÷à</FONT><FONT class="fs65"> &nbsp;- </FONT><FONT class="fs88">íàäàòè</FONT><FONT class="fs64"> </FONT><FONT class="fs87">âñ³ äîêóìåíòè ³ ìàòåð³àëè, ÿê³ ì³ñòÿòü äàí³ ïðî îáñòàâèíè, ùî ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ñïîðó. Êð³ì òîãî íàäàòè</FONT><FONT class="fs63"> </FONT><FONT class="fs86">äîêóìåíòè, ÿê³ ïîñâ³ä÷óþòü ïðàâîâèé ñòàòóñ; ïðîïîíóºòüñÿ íàäàòè â³äçèâ íà ïîçîâíó çàÿâó ³ âñ³ äîêàçè â éîãî îá´ðóíòóâàííÿ, êîï³þ â³äçèâó íàïðàâèòè äî äíÿ ñóäîâîãî çàñ³äàííÿ ïîçèâà÷ó; ëèñòóâàííÿ ç ïîçèâà÷åì ïî ñóò³ ñïîðó (ç äîêàçàìè íàïðàâëåííÿ àáî âðó÷åííÿ âèõ³äíî¿ êîðåñïîíäåíö³¿); äîðó÷åííÿ íà ïðåäñòàâíèêà. </FONT></P>
<P class="ps3"><FONT class="fs85">Ó ðàç³ çàïåðå÷åííÿ ïðîòè ðîçðàõóíêó áîðãó çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 20.04.2012ð. ¹ á/í â ñóì³ 55&nbsp; 480, 52 ãðí., à ñàìå: 19 024,79 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 15&nbsp; 330,00 ãðí. áîðãó ïî ïåí³, 17&nbsp; 370,05 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì òà 3&nbsp; 755,68 ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, &nbsp;íàäàòè âëàñíèé êîíòððîçðàõóíîê.</FONT></P>
<P class="ps3"><FONT class="fs84">Â³äîìîñò³ ó âèãëÿä³ â³äïîâ³äíî¿ äîâ³äêè ïðî íàÿâí³ñòü áîðãó òà éîãî ðîçì³ð ñòàíîì íà ÷àñ ðîçãëÿäó ñïðàâè â ñóäîâîìó çàñ³äàíí³ 05.08.2015ð..</FONT></P>
<P class="ps3"><FONT class="fs83">Ó âèïàäêó ñïëàòè (÷àñòêîâî¿ ñïëàòè) ñóìè áîðãó íàäàòè ñóäó â³äïîâ³äí³ ïëàò³æí³ äîêóìåíòè. </FONT></P>
<P class="ps3"><FONT class="fs82">Íàëåæíèì ÷èíîì çàñâ³ä÷åí³ êîï³¿ âèòðåáóâàíèõ äîêóìåíò³â - ó ñïðàâó, îðèã³íàëè - ñóäó äëÿ îãëÿäó. </FONT></P>
<P class="ps3"><FONT class="fs57">Ñòîðîíàì</FONT><FONT class="fs62"> -</FONT><FONT class="fs81"> ïðîâåñòè çâ³ðêó ðîçðàõóíê³â íà ïðåäìåò çÿñóâàííÿ ñóìè áîðãó ç óðàõóâàííÿì ìîæëèâîãî, íà äåíü ðîçãëÿäó ñïðàâè, ïîãàøåííÿ ö³º¿ ñóìè â³äïîâ³äà÷åì, &nbsp;äëÿ ÷îãî â³äïîâ³äà÷ó ó ñòðîê äî 31.07.2015ð. çâåðíóòèñÿ äî ïîçèâà÷à. Àêò çâ³ðêè íàäàòè â çàñ³äàííÿ ñóäó. Ó ðàç³ óõèëåííÿ îäí³º¿ ç ñòîð³í â³ä çâ³ðêè ÷è ïåðåøêîäæàííÿ ¿¿ çä³éñíåííþ, ³íø³é ñòîðîí³ íàäàòè â³äïîâ³äí³ äîêàçè.</FONT></P>
<P class="ps3"><FONT class="fs80">6. Ïîäàííÿ ïèñüìîâèõ äîêàç³â ñòîðîíàìè ìàº çä³éñíþâàòèñÿ äî äíÿ ñóäîâîãî çàñ³äàííÿ ç ñóïðîâ³äíèì ëèñòîì ÷åðåç ñëóæáó ä³ëîâîäñòâà ñóäó.</FONT></P>
<P class="ps3"><FONT class="fs79">Ñóä çâåðòàº óâàãó ñòîð³í íà òå, ùî âèìîãè äî çì³ñòó òà ðîçòàøóâàííÿ ðåêâ³çèò³â äîêóìåíò³â âñòàíîâëåí³ ï.5 Óí³ô³êîâàíî¿ ñèñòåìè îðãàí³çàö³éíî-ðîçïîðÿä÷î¿ äîêóìåíòàö³¿ (ÄÑÒÓ 4163-2003), çàòâåðäæåíî¿ Íàêàçîì Äåðæñïîæèâñòàíäàðòó Óêðà¿íè 07.04.2003 ðîêó &nbsp;&nbsp;&nbsp;¹ 55. </FONT></P>
<P class="ps3"><FONT class="fs78">Ïóíêòîì 5.27 ö³º¿ Óí³ô³êîâàíî¿ ñèñòåìè âñòàíîâëåíî, ùî â³äì³òêó ïðî çàñâ³ä÷åííÿ êîï³¿ äîêóìåíòà ñêëàäàþòü ç³ ñë³â Çã³äíî ç îðèã³íàëîì, íàçâè ïîñàäè, îñîáèñòîãî ï³äïèñó îñîáè, ÿêà çàñâ³ä÷óº êîï³þ, ¿¿ ³í³ö³àë³â òà ïð³çâèùà, äàòè çàñâ³ä÷åííÿ êîï³¿ ³ ïðîñòàâëÿþòü íèæ÷å ðåêâ³çèòó 23.</FONT></P>
<P class="ps3"><FONT class="fs77">Çàçíà÷åí³ ïîëîæåííÿ Óí³ô³êîâàíî¿ ñèñòåìè íåîáõ³äíî îáîâÿçêîâî âðàõîâóâàòè ó÷àñíèêàì ñóäîâîãî ïðîöåñó ïðè çàñâ³ä÷åíí³ êîï³é äîêóìåíò³â, ùî ïîäàþòüñÿ äî ñóäó.</FONT></P>
<P class="ps3"><FONT class="fs76">7. Çã³äíî ï. 5 ÷. 1 ñò. 83 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä, ïðèéìàþ÷è ð³øåííÿ, ìàº ïðàâî ñòÿãóâàòè â äîõîä Äåðæàâíîãî áþäæåòó Óêðà¿íè ç âèííî¿ ñòîðîíè øòðàô ó ðîçì³ð³ äî ñòà íåîïîäàòêîâóâàíèõ ì³í³ìóì³â äîõîä³â ãðîìàäÿí (1 700, 00 ãðí.) çà óõèëåííÿ â³ä â÷èíåííÿ ä³é, ïîêëàäåíèõ ãîñïîäàðñüêèì ñóäîì íà ñòîðîíó.</FONT></P>
<P class="ps6"><FONT class="fs61">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;Â.Ì. Ñîëîâéîâ</FONT></P>
<P class="ps7"><FONT class="fs49"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>