<TITLE>905/745/15</TITLE>
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<P class="ps9"><FONT class="fs260"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps4">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs126">&nbsp;</FONT></P>
<P class="ps4"><FONT class="fs125">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps4"><FONT class="fs124">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps1">11.08.2015                     &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 905/745/15                               </P>
<P class="ps1"><FONT class="fs121">ïðî:</FONT><FONT class="fs264">&nbsp; &nbsp;</FONT>ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 101689.38 ãðí.</P>
<P><FONT class="fs120">çà ó÷àñòþ ïðåäñòàâíèê³â</FONT></P>
<P><FONT class="fs119">â³ä ïîçèâà÷à: </FONT>íå çÿâèëèñü;</P>
<P><FONT class="fs118">â³ä â³äïîâ³äà÷à: </FONT>íå çÿâèëèñü.</P>
<P><FONT class="fs117"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs116"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñóääÿ</FONT> Âåëè÷êî Í.Â.</P>
<P class="ps8"><FONT class="fs115">ÑÓÒÜ ÑÏÎÐÓ:</FONT></P>
<P class="ps2">Íîðìàòèâíî âèìîãè îá´ðóíòîâàí³ ïðèïèñàìè ñòàòåé 526, 527, 530, 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps2">Â³äïîâ³äà÷ ñâîãî ïðåäñòàâíèêà ó ñóäîâå çàñ³äàííÿ íå íàïðàâèâ, ïèñüìîâîãî â³äçèâó òà ³íøèõ âèòðåáóâàíèõ äîêóìåíò³â íå íàäàâ.</P>
<P class="ps2">Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã&nbsp; &nbsp;<FONT class="fs153">÷àñòèíè ïåðøî¿</FONT>&nbsp; &nbsp;ñòàòò³ 64 òà&nbsp; &nbsp;<FONT class="fs152">ñòàòò³ 87</FONT> ÃÏÊ Óêðà¿íè.</P>
<P class="ps2">Çà çì³ñòîì çàçíà÷åíî¿&nbsp; &nbsp;<FONT class="fs151">ñòàòò³ 64</FONT>&nbsp; &nbsp;ÃÏÊ Óêðà¿íè, çîêðåìà, â ðàç³ ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ áóëî íàä³ñëàíî çà íàëåæíîþ àäðåñîþ (òîáòî ïîâ³äîìëåíîþ ñóäó ñòîðîíîþ, à â ðàç³ íåíàäàííÿ ñóäó â³äïîâ³äíî¿ ³íôîðìàö³¿ - àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â), ³ íå ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó àáî ïîâåðíóòî ç ïîñèëàííÿì íà â³äñóòí³ñòü (âèáóòòÿ) àäðåñàòà, â³äìîâó â³ä îäåðæàííÿ, çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ ïîøòîâîãî â³äïðàâëåííÿ òîùî, òî ââàæàºòüñÿ, ùî àäðåñàò ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ñóäîì. </P>
<P class="ps2">Âðàõîâóþ÷è, ùî ïðîöåñóàëüí³ äîêóìåíòè ó ö³é ñïðàâ³ (óõâàëè ñóäó) áóëè íàïðàâëåí³ â³äïîâ³äà÷ó çà àäðåñîþ, çàçíà÷åíîþ ó ïîçîâ³, ³ ÿêà â³äïîâ³äàº â³äîìîñòÿì, ùî ì³ñòÿòüñÿ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, òîìó â³äïîâ³äà÷ ââàæàºòüñÿ ïîâ³äîìëåíèì íàëåæíèì ÷èíîì ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè.</P>
<P class="ps2">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè äîâîäè ïðåäñòàâíèêà ïîçèâà÷à, ñóä </P>
<P class="ps5"><FONT class="fs114">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps2">Òàêîæ, 14.10.2011 ð. â³äïîâ³äà÷åì áóëî ï³äïèñàíî çàÿâó ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã. Ï³äïèñàâøè âêàçàíó çàÿâó ïîçèâà÷ ïîãîäèâñÿ ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³ ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ çà ðîçðàõóíêîâèìè êàðòêàìè, Òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç âèùåçàçíà÷åíîþ çàÿâîþ òà êàðòêîþ ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòê³â ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</P>
<P class="ps2">Ïóíêòàìè 3.2.1.1.1, 3.2.1.1.3 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã âñòàíîâëåíî, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè.</P>
<P class="ps2">Ïóíêòîì 3.2.1.1.5 Óìîâ âñòàíîâëåíî, ùî êðåäèòíèé ë³ì³ò â³äïîâ³äíî äî "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ÿâëÿº ñîáîþ ñóìó ãðîøîâèõ êîøò³â, â ìåæàõ ÿêèõ áàíê&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;ïðîâîäèòü îïëàòó ðîçðàõóíêîâèõ äîêóìåíò³â êë³ºíòà ïîíàä çàëèøîê ãðîøîâèõ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Ë³ì³ò ðîçðàõîâóºòüñÿ â³äïîâ³äíî äî çàòâåðäæåíî¿ áàíêîì ìåòîäèêè íà îñíîâ³ äàíèõ ïðî ðóõ ãðîøîâèõ êîøò³â íà ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³, êðåäèòíî¿ ³ñòîð³¿ òà ³íøèõ ïîêàçíèêàõ ó â³äïîâ³äíîñò³ ç âíóòð³øíüîáàíê³âñüêèìè íîðìàòèâàìè ³ íîðìàòèâíèìè àêòàìè Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</P>
<P class="ps2">Ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã». Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíèõ «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã», áàíê íà ñâ³é ðîçñóä, ìàº ïðàâî çì³íèòè óìîâè êðåäèòóâàííÿ, âñòàíîâèâøè ³íøèé òåðì³í ïîâåðíåííÿ êðåäèòó. (ï.3.2.1.1.8 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã)</P>
<P class="ps2">Â³äïîâ³äíî äî ðîçä³ëó 3.2.1.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps2">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ 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 (ï.3.2.1.4.1.1 Óìîâ òà ïðàâèë).</P>
<P class="ps2">Ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëþâàííþ , íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36 (òðèäöÿòü ø³ñòü) % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ (ï.3.2.1.4.1.2 Óìîâ òà ïðàâèë).</P>
<P class="ps2">Ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 (ïÿòäåñÿò ø³ñòü) % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. &nbsp;Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâÿçàíü (ï.3.2.1.4.1.3 Óìîâ òà ïðàâèë).</P>
<P class="ps2">Çã³äíî ï. 3.2.1.4.1.4 çãàäàíèõ Óìîâ òà ïðàâèë, ï³ä «íåïîãàøåííÿì êðåäèòó» ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</P>
<P class="ps2">Ó ïóíêò³ 3.2.1.5.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ñòîðîíè âñòàíîâèëè â³äïîâ³äàëüí³ñòü ñòîð³í, çîêðåìà, ïðè ïîðóøåíí³ êë³ºíòîì &nbsp;áóäü-ÿêîãî ³ç çîáîâÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.1.2.2.2, 3.2.1.4.1, 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÷åíîãî ï.ï. 3.2.1.2.2, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6, êë³ºíò âèïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó 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 ó ï.3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæíèé äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. </P>
<P class="ps2">Ìàòåð³àëè ñïðàâè ñâ³ä÷àòü, ùî ïîçèâà÷ íàäàâ â³äïîâ³äà÷åâ³ êðåäèò ó ðîçì³ð³ 53&nbsp; &nbsp;997,06 ãðí., ùî ï³äòâåðäæóºòüñÿ íàÿâíèìè ó ñïðàâ³ ìåìîð³àëüíèì îðäåðîì ¹ F0108B00YD â³ä 08.01.2015 ð. íà ñóìó 53&nbsp; &nbsp;997,06 ãðí. òà âèïèñêàìè áàíêó ïî ðàõóíêó â³äïîâ³äà÷à.</P>
<P class="ps2">Îñê³ëüêè â³äïîâ³äà÷åì íå ïîãàøåíî êðåäèòíó çàáîðãîâàí³ñòü,&nbsp; &nbsp;ïîçèâà÷ çâåðíóâñÿ äî ãîñïîäàðñüêîãî ñóäó ç öèì ïîçîâîì.</P>
<P class="ps2">Îãëÿä íîðì ÷èííîãî çàêîíîäàâñòâà ñâ³ä÷èòü ïðî íàñòóïíå.</P>
<P class="ps2">Â³äïîâ³äíî äî&nbsp; &nbsp;<FONT class="fs149">ñòàòò³ 6 öüîãî Êîäåêñó</FONT>&nbsp; &nbsp;ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî&nbsp; &nbsp;<FONT class="fs148">Êîäåêñó</FONT>, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³ (÷.1<FONT class="fs147">ñò. 627 ÖÊ Óêðà¿íè</FONT>).</P>
<P class="ps2"><FONT class="fs146">Ñòàòòåþ 628 ÖÊ Óêðà¿íè</FONT>&nbsp; &nbsp;ïåðåäáà÷åíî, ùî çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps2">Ñòîðîíè ìàþòü ïðàâî óêëàñòè äîãîâ³ð, â ÿêîìó ì³ñòÿòüñÿ åëåìåíòè ð³çíèõ äîãîâîð³â (çì³øàíèé äîãîâ³ð). Äî â³äíîñèí ñòîð³í ó çì³øàíîìó äîãîâîð³ çàñòîñîâóþòüñÿ ó â³äïîâ³äíèõ ÷àñòèíàõ ïîëîæåííÿ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà ïðî äîãîâîðè, åëåìåíòè ÿêèõ ì³ñòÿòüñÿ ó çì³øàíîìó äîãîâîð³, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî íå âèïëèâàº ³ç ñóò³ çì³øàíîãî äîãîâîðó.</P>
<P class="ps2">Çã³äíî ç³&nbsp; &nbsp;<FONT class="fs145">ñò. 633 ÖÊ Óêðà¿íè</FONT>, ïóáë³÷íèì º äîãîâ³ð, â ÿêîìó îäíà ñòîðîíà - ï³äïðèºìåöü âçÿëà íà ñåáå îáîâ'ÿçîê çä³éñíþâàòè ïðîäàæ òîâàð³â, âèêîíàííÿ ðîá³ò àáî íàäàííÿ ïîñëóã êîæíîìó, õòî äî íå¿ çâåðíåòüñÿ (ðîçäð³áíà òîðã³âëÿ, ïåðåâåçåííÿ òðàíñïîðòîì çàãàëüíîãî êîðèñòóâàííÿ, ïîñëóãè çâ'ÿçêó, ìåäè÷íå, ãîòåëüíå, áàíê³âñüêå îáñëóãîâóâàííÿ òîùî). Óìîâè ïóáë³÷íîãî äîãîâîðó âñòàíîâëþþòüñÿ îäíàêîâèìè äëÿ âñ³õ ñïîæèâà÷³â, êð³ì òèõ, êîìó çà çàêîíîì íàäàí³ â³äïîâ³äí³ ï³ëüãè.</P>
<P class="ps2">Çà ïðèïèñàìè&nbsp; &nbsp;<FONT class="fs144">ñò. 207 ÖÊ Óêðà¿íè</FONT>, 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). Âèêîðèñòàííÿ ïðè â÷èíåíí³ ïðàâî÷èí³â ôàêñèì³ëüíîãî â³äòâîðåííÿ ï³äïèñó çà äîïîìîãîþ çàñîá³â ìåõàí³÷íîãî àáî ³íøîãî êîï³þâàííÿ, åëåêòðîííîãî ï³äïèñó àáî ³íøîãî àíàëîãà âëàñíîðó÷íîãî ï³äïèñó äîïóñêàºòüñÿ ó âèïàäêàõ, âñòàíîâëåíèõ çàêîíîì, ³íøèìè àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, àáî çà ïèñüìîâîþ çãîäîþ ñòîð³í, ó ÿê³é ìàþòü ì³ñòèòèñÿ çðàçêè â³äïîâ³äíîãî àíàëîãà ¿õí³õ âëàñíîðó÷íèõ ï³äïèñ³â.</P>
<P class="ps2">Çã³äíî ç ÷àñòèíàìè 1, 2&nbsp; &nbsp;<FONT class="fs143">ñòàòò³ 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT>&nbsp; &nbsp;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="ps2">Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 «Ïîçèêà»&nbsp; &nbsp;<FONT class="fs142">ãëàâè 71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT>, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì 2 «Êðåäèò» ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps2">×àñòèíîþ 1&nbsp; &nbsp;<FONT class="fs141">ñò. 1067 ÖÊ Óêðà¿íè</FONT>&nbsp; &nbsp;çàêð³ïëåíî, ùî äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè.</P>
<P class="ps2">Ç îãëÿäó íà âèêëàäåíå, ñóä ä³éøîâ âèñíîâêó, ùî çà ñâîºþ ïðàâîâîþ ïðèðîäîþ &nbsp;äîãîâ³ð, óêëàäåíèé ì³æ ñòîðîíàìè äàíîãî ñïîðó, º çì³øàíèì äîãîâîðîì áàíê³âñüêîãî ðàõóíêó òà êðåäèòíîãî äîãîâîðó.</P>
<P class="ps2">Â³äïîâ³äíî äî ðîçä³ëó 1 Óìîâ òà Ïðàâèë, ðîçì³ùåíèõ íà web-ñàéò³ áàíêó www.privatbank.ua, ö³ ïðàâèëà º ïóáë³÷íîþ îôåðòîþ, ùî ì³ñòÿòü óìîâè òà ïðàâèëà íàäàííÿ ïîñëóã áàíêîì éîãî êë³ºíòàì. Òàêèì ÷èíîì, êë³ºíò îòðèìóº äîñòóï äî âñ³õ áåç âèêëþ÷åííÿ ïîñëóã Áàíêó.</P>
<P class="ps2">Ðîçä³ëîì 3.18 Óìîâ òà Ïðàâèë ïåðåäáà÷åíî íàäàííÿ ïîñëóãè ùîäî âñòàíîâëåííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íèé ðàõóíîê êîðïîðàòèâíîãî êë³ºíòà.</P>
<P class="ps2">Ó ï. 3.18.6.1 Óìîâ òà Ïðàâèë 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 êðåäèòíî¿ ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè.</P>
<P class="ps2">Îòæå, â³äïîâ³äà÷ ï³ñëÿ ï³äïèñàííÿ Çàÿâè â³ä 14.10.2011 ð. ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè ïðèºäíàâñÿ äî «Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» òà «Òàðèô³â Áàíêó», ì³æ ñòîðîíàìè ó ñïðàâ³ ôàêòè÷íî áóëî óêëàäåíî äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 14.10.2011 ð., ó òîìó ÷èñë³ ùîäî âñòàíîâëåííÿ êðåäèòíîãî ë³ì³òó, ÿêèé º çì³øàíèì äîãîâîðîì áàíê³âñüêîãî ðàõóíêó òà êðåäèòíîãî äîãîâîðó.</P>
<P class="ps2">Â³äïîâ³äíî äî ÷àñòèíè 2&nbsp; &nbsp;<FONT class="fs140">ñòàòò³ 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT>, ÿêùî äîãîâîðîì âñòàíîâëåíèé îáîâ'ÿçîê ïîçè÷àëüíèêà ïîâåðíóòè ïîçèêó ÷àñòèíàìè (ç ðîçñòðî÷åííÿì), òî â ðàç³ ïðîñòðî÷åííÿ ïîâåðíåííÿ ÷åðãîâî¿ ÷àñòèíè ïîçèêîäàâåöü ìàº ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ ÷àñòèíè ïîçèêè, ùî çàëèøèëàñÿ, òà ñïëàòè ïðîöåíò³â, íàëåæíèõ éîìó â³äïîâ³äíî äî&nbsp; &nbsp;<FONT class="fs139">ñòàòò³ 1048 öüîãî Êîäåêñó</FONT>.</P>
<P class="ps2">×àñòèíîþ 1 ñòàòò³ 1048 äàíîãî Êîäåêñó 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="ps2">Â³äïîâ³äíî äî ÷àñòèíè 6&nbsp; &nbsp;<FONT class="fs138">ñòàòò³ 1056-1 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT>&nbsp; &nbsp;ó ðàç³ çàñòîñóâàííÿ çì³íþâàëüíî¿ ïðîöåíòíî¿ ñòàâêè ó êðåäèòíîìó äîãîâîð³ ïîâèíåí âèçíà÷àòèñÿ ìàêñèìàëüíèé ðîçì³ð çá³ëüøåííÿ ïðîöåíòíî¿ ñòàâêè.</P>
<P class="ps2">Ñòàòòåþ 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Àíàëîã³÷íà íîðìà ì³ñòèòüñÿ ó ï.7 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè. Äîãîâ³ð º îáîâÿçêîâèì äî âèêîíàííÿ (ñò.629 ÖÊ Óêðà¿íè). Çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì íàëåæíèì ÷èíîì (ñò.599 ÖÊ Óêðà¿íè). Çã³äíî ñò.530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í). Çîáîâ'ÿçàííÿ, ñòðîê (òåðì³í) âèêîíàííÿ ÿêîãî âèçíà÷åíèé âêàç³âêîþ íà ïîä³þ, ÿêà íåìèíó÷å ìàº íàñòàòè, ï³äëÿãàº âèêîíàííþ ç íàñòàííÿì ö³º¿ ïîä³¿. Ñòàòòåþ 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ). </P>
<P class="ps0">Çà ïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí íåñóòü ãîñïîäàðñüêî-ïðàâîâó â³äïîâ³äàëüí³ñòü øëÿõîì çàñòîñóâàííÿ äî ïðàâîïîðóøíèê³â ãîñïîäàðñüêèõ ñàíêö³é íà ï³äñòàâàõ ³ â ïîðÿäêó, ïåðåäáà÷åíèõ <FONT class="fs137">Ãîñïîäàðñüêèì êîäåêñîì Óêðà¿íè</FONT>, ³íøèìè çàêîíàìè òà äîãîâîðîì (÷.2 ñò.193, ÷.1 ñò.216 òà ÷.1 ñò.<FONT class="fs136">218 ÃÊ Óêðà¿íè</FONT>).</P>
<P class="ps2">Îäíèì ³ç âèä³â ãîñïîäàðñüêèõ ñàíêö³é çã³äíî ç ÷àñòèíîþ äðóãîþ <FONT class="fs135">ñò. 217 ÃÊ Óêðà¿íè</FONT> º øòðàôí³ ñàíêö³¿, äî ÿêèõ â³äíåñåíî øòðàô òà ïåíþ (÷.1 <FONT class="fs134">ñò.230 ÃÊ Óêðà¿íè</FONT>).</P>
<P class="ps2">Ðîçì³ð øòðàôíèõ ñàíêö³é â³äïîâ³äíî äî ÷àñòèíè ÷åòâåðòî¿ <FONT class="fs133">ñò.231 ÃÊ Óêðà¿íè</FONT> âñòàíîâëþºòüñÿ çàêîíîì, à â ðàç³ ÿêùî ðîçì³ð øòðàôíèõ ñàíêö³é çàêîíîì íå âèçíà÷åíî, ñàíêö³¿ çàñòîñîâóþòüñÿ â ïåðåäáà÷åíîìó äîãîâîðîì ðîçì³ð³. Ïðè öüîìó ðîçì³ð ñàíêö³é ìîæå áóòè âñòàíîâëåíî äîãîâîðîì ó â³äñîòêîâîìó â³äíîøåíí³ äî ñóìè íåâèêîíàíî¿ ÷àñòèíè çîáîâ'ÿçàííÿ àáî â ïåâí³é, âèçíà÷åí³é ãðîøîâ³é ñóì³, àáî ó â³äñîòêîâîìó â³äíîøåíí³ äî ñóìè çîáîâ'ÿçàííÿ íåçàëåæíî â³ä ñòóïåíÿ éîãî âèêîíàííÿ, àáî ó êðàòíîìó ðîçì³ð³ äî âàðòîñò³ òîâàð³â (ðîá³ò, ïîñëóã).</P>
<P class="ps2">Òàêèé âèä çàáåçïå÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ ÿê ïåíÿ òà ¿¿ ðîçì³ð âñòàíîâëåíî ÷.3 ñò.<FONT class="fs132">549 ÖÊ Óêðà¿íè</FONT>, ÷.6 <FONT class="fs131">ñò.231 ÃÊ Óêðà¿íè</FONT>, ñò.ñò. <FONT class="fs130">1</FONT>, <FONT class="fs129">3 Çàêîíó Óêðà¿íè «Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü</FONT>» òà ÷.6 <FONT class="fs128">ñò.232 ÃÊ Óêðà¿íè</FONT>. </P>
<P class="ps2">Ó ïóíêò³ 3.2.1.5.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã âñòàíîâëåíî, ùî 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 âèêîíàíå êë³ºíòîì.</P>
<P class="ps2">Â³äïîâ³äíî äî ñò. 32 ÃÏÊ Óêðà¿íè äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ ñòîð³í, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó. </P>
<P class="ps2">Çà çì³ñòîì ñòàòåé 33 ³ 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ, ÿê íà ï³äñòàâó ñâî¿õ âèìîã. </P>
<P class="ps2">Ñóä îö³íþº äîêàçè, ùî ï³äòâåðäæóþòü çàçíà÷åí³ îáñòàâèíè, çà ïðàâèëàìè ñò. 43 ÃÏÊ Óêðà¿íè. </P>
<P class="ps2">Âðàõîâóþ÷è âñòàíîâëåí³ ñóäîì îáñòàâèíè òà íîðìè ÷èííîãî çàêîíîäàâñòâà, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</P>
<P class="ps2">Ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à çã³äíî ñò. 49 ÃÏÊ Óêðà¿íè. </P>
<P class="ps2">Êåðóþ÷èñü ñò.ñò. 33, 34, 38, 43, 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä,- </P>
<P class="ps6"><FONT class="fs113">Â È Ð I Ø È Â</FONT> :</P>
<P class="ps3">Ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê» ïðî ñòÿãíåííÿ ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ùó÷³é» çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì â³ä 14.10.2011 ð. â ðîçì³ð³ 101&nbsp; &nbsp;689,38 ãðí., ç ÿêèõ: 53&nbsp; &nbsp;997,06 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 24&nbsp; &nbsp;292,96 ãðí.  áîðã ïî ïðîöåíòàõ çà êîðèñòóâàííÿ êðåäèòîì, 17&nbsp; &nbsp;194,58 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 6204,78 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì çàäîâîëüíèòè.</P>
<P class="ps3">Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàç ó âñòàíîâëåíîìó ïîðÿäêó.</P>
<P class="ps3">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äîíåöüêî¿ îáëàñò³ íàáèðàº çàêîííî¿ ñèëè ÷åðåç äåñÿòü äí³â ç äíÿ éîãî ï³äïèñàííÿ òà ìîæå áóòè îñêàðæåíå äî Äîíåöüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó â ïîðÿäêó, ïåðåäáà÷åíîìó ðîçä³ëîì Õ²² Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè. </P>
<P class="ps3">Ïîâíèé òåêñò ð³øåííÿ ñêëàäåíî òà ï³äïèñàíî 11.08.2015 ð.</P>
<P class="ps4">Ñóääÿ<FONT class="fs112"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Í.Â. Âåëè÷êî</FONT><FONT class="fs258">           </FONT></P>
<P class="ps1"><FONT class="fs111"> </FONT><FONT class="fs257">                    </FONT><FONT class="fs110">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>
<P class="ps1"><FONT class="fs109"> </FONT><FONT class="fs256">                    </FONT><FONT class="fs108">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>
<P class="ps1"> </P>