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<TR><TD width="100 %" class="tds1"><P class="ps11"><FONT class="fs212"> &nbsp;</FONT><FONT class="fs210"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps7"><FONT class="fs117">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs123">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P><FONT class="fs134">Çà ïîçîâîì:</FONT><FONT class="fs204"> ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ";</FONT></P>
<P><FONT class="fs133">äî:</FONT><FONT class="fs203"> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÅÉ Ò² ÅËÜ ÃÐÓÏ";</FONT></P>
<P><FONT class="fs132">ïðî: </FONT><FONT class="fs202">ñòÿãíåííÿ 207.952,93 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs131">Ñóääÿ Áàëàö Ñ.Â. &nbsp;</FONT></P>
<P><FONT class="fs130">Ïðåäñòàâíèêè:</FONT></P>
<P><FONT class="fs129">ïîçèâà÷à: </FONT><FONT class="fs201">Í³êåðê³í</FONT><FONT class="fs128"> </FONT><FONT class="fs200">Ì.Â.  çà äîâ³ðåí³ñòþ â³ä 05.07.2014 ¹ 2835-Ê-Î;</FONT></P>
<P><FONT class="fs127">â³äïîâ³äà÷à: </FONT><FONT class="fs199">íå çÿâèëèñÿ.</FONT></P>
<P class="ps6"><FONT class="fs122">Ñ Ó Ò Ü &nbsp;&nbsp;Ñ Ï Î Ð Ó :</FONT></P>
<P class="ps3"><FONT class="fs198">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê "</FONT><FONT class="fs142">Ïðèâàòáàíê</FONT><FONT class="fs197">" çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÅÉ Ò² ÅËÜ ÃÐÓÏ" ïðî ñòÿãíåííÿ îñòàííüîãî çàáîðãîâàíîñò³ â ñóì³ 207.952,93 ãðí.</FONT></P>
<P class="ps3"><FONT class="fs196">Ïîçîâí³ âèìîãè ìîòèâîâàí³ òèì, ùî â³äïîâ³äà÷åì ïîðóøåíå ãðîøîâå çîáîâ'ÿçàííÿ çà óêëàäåíèì ì³æ ñòîðîíàìè ñïîðó äîãîâîðîì â³ä 17.06.2013 ¹ á/í. Çà òâåðäæåííÿìè ïîçèâà÷à, çàãàëüíà çàáîðãîâàí³ñòü â³äïîâ³äà÷à çà äîãîâîðîì â³ä 17.06.2013 ¹ á/í ñêëàäàº 207.952,93 ãðí, ç ÿêèõ: 99.241,05 ãðí  çàáîðãîâàí³ñòü çà êðåäèòîì; 76.719,37 ãðí  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì; 31.992,51 ãðí  ïåíÿ.</FONT></P>
<P class="ps3"><FONT class="fs195">Ïîçèâà÷åì áóëî íàä³ñëàíî â³äïîâ³äà÷åâ³ ëèñò ³ç âèìîãîþ ïðî ïîãàøåííÿ íàÿâíî¿ â îñòàííüîãî çàáîðãîâàíîñò³. Ïðîòå, âèìîãè ïîçèâà÷à âèêîíàí³ â³äïîâ³äà÷åì íå áóëè ó çâ'ÿçêó ³ç ÷èì ïîçèâà÷ çâåðíóâñÿ äî ãîñïîäàðñüêîãî ñóäó çà çàõèñòîì ñâîãî ïîðóøåíîãî ïðàâà ³ îõîðîíþâàíîãî çàêîíîì ³íòåðåñó øëÿõîì ñòÿãíåííÿ ç â³äïîâ³äà÷à ñóìè çàáîðãîâàíîñò³.</FONT></P>
<P class="ps3"><FONT class="fs192">Óõâàëà ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íàäñèëàëàñÿ â³äïîâ³äà÷ó íà àäðåñó éîãî ì³ñöåçíàõîäæåííÿ, ÿêà â³äïîâ³äàº â³äîìîñòÿì, âíåñåíèì äî ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, â³äòàê, ó ðîçóì³íí³ ñò. 64 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äà÷ ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè íàëåæíèì ÷èíîì. </FONT></P>
<P class="ps3"><FONT class="fs191">Â³äïîâ³äà÷ ïðàâîì, çàáåçïå÷åíèì ñò. 59 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, íå ñêîðèñòàâñÿ, â³äçèâ íà ïîçîâ äî ñóäó íå ïîäàâ ó çâ'ÿçêó ³ç ÷èì, â³äïîâ³äíî äî ïîëîæåíü ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñïðàâà ðîçãëÿäàºòüñÿ çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps3"><FONT class="fs190">Â ñóäîâîìó çàñ³äàíí³ 31.08.2015 ñóäîì îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps3"><FONT class="fs189">Çàñëóõàâøè äîâîäè ïîâíîâàæíîãî ïðåäñòàâíèêà ïîçèâà÷à ïî ñóò³ ñïîðó òà äîñë³äèâøè íàÿâí³ ó ìàòåð³àëàõ äàíî¿ ñïðàâè äîêàçè, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, </FONT></P>
<P class="ps6"><FONT class="fs121">Â Ñ Ò À Í Î Â È Â :</FONT></P>
<P class="ps4"><FONT class="fs185">Ðîçä³ëîì 3.2.2 Óìîâ ðåãëàìåíòîâàíî ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ".</FONT></P>
<P class="ps3"><FONT class="fs184">Â³äïîâ³äíî äî ï. 3.2.2.1 Óìîâ áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ êîøò³â çîáîâ'ÿçóºòüñÿ íàäàòè Êë³ºíòó êðåäèò ó âèãëÿä³ â³äíîâëþâàëüíî¿ êðåäèòíî¿ ë³í³¿, ç ë³ì³òîì òà íà ö³ë³, çàçíà÷åí³, â çàÿâö³ íà äîãîâ³ðíå ñïèñàííÿ êîøò³â (íàäàëè  ãàðàíòîâàí³é ïëàò³æ àáî çàÿâêà), â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â, âèíàãîðîäè â îáóìîâëåí³ öèì Äîãîâîðîì ñòðîêè.</FONT></P>
<P class="ps3"><FONT class="fs183">Çã³äíî ï. 3.2.2.2. Óìîâ ñòðîê ïîâåðíåííÿ êðåäèòó çàçíà÷åíèé â çàÿâö³. Ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ öèì Äîãîâîðîì, Áàíê íà ñâ³é ðîçñóä, ïî÷èíàþ÷è ç 91-ãî äíÿ ïîðóøåííÿ áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ìàº ïðàâî çì³íèòè óìîâè öèõ Óìîâ, âñòàíîâèâøè ³íøèé òåðì³í ïîâåðíåííÿ êðåäèòó. Ïðè öüîìó Áàíê íàïðàâëÿº Êë³ºíòó ïèñüìîâå ïîâ³äîìëåííÿ ³ç çàçíà÷åííÿì äàòè òåðì³íó ïîâåðíåííÿ êðåäèòó. Ó ðàç³ íå ïîãàøåííÿ Êë³ºíòîì çàáîðãîâàíîñò³ çà öèìè Óìîâàìè ó ñòðîê, çàçíà÷åíèé ó ïîâ³äîìëåíí³, âñÿ çàáîðãîâàí³ñòü, ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ äàòè, çàçíà÷åíî¿ ó ïîâ³äîìëåíí³, ââàæàºòüñÿ ïðîñòðî÷åíîþ. Ó ðàç³ ïîãàøåííÿ çàáîðãîâàíîñò³ â ïåð³îä äî çàê³í÷åííÿ 30 äí³â (âêëþ÷íî) ç ìîìåíòó ïîðóøåííÿ áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ê³íöåâèì òåðì³íîì ïîâåðíåííÿ êðåäèòó º äàòà, çàçíà÷åíà â çàÿâö³. Ï³ä äàòîþ âèêîíàííÿ çàÿâêè Ñòîðîíè ïîãîäèëè äàòó çàðàõóâàííÿ êðåäèòíèõ êîøò³â íà ïîòî÷íèé ðàõóíîê îäåðæóâà÷à, çàçíà÷åíîãî ó çàÿâö³ Êë³ºíòà. Êë³ºíò ïîãàøàº çàáîðãîâàí³ñòü ïî êðåäèòó â ðîçì³ð³, çàçíà÷åíîìó â çàÿâö³ Êë³ºíòà, â ñòðîê äî 30 äí³â ç äàòè âèêîíàííÿ çàÿâêè. Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè ³í³ö³þâàííÿ Êë³ºíòîì çàÿâêè äî äàòè âèêîíàííÿ çàÿâêè Êë³ºíò ñïëà÷óº âèíàãîðîäó çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó â ðîçì³ð³ 4% ð³÷íèõ (àëå íå ìåíø í³æ 5 ãðèâåíü)* â³ä ðîçì³ðó êðåäèòó, çàçíà÷åíîãî ó ÷åðãîâ³é çàÿâö³ Êë³ºíòà. Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó ñïëà÷óºòüñÿ Êë³ºíòîì â äàòó íàäàííÿ â Áàíê ÷åðãîâî¿ çàÿâêè. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â äî 30.06.2014ã. Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 28% ð³÷íèõ, à ïî÷èíàþ÷è ç 01.07.2014ã. Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³. Ó âèïàäêó çì³íè âàðòîñò³ êðåäèòíèõ ðåñóðñ³â íà ðèíêó ãðîøîâèõ ðåñóðñ³â, çì³íè îáë³êîâî¿ ñòàâêè ÍÁÓ, çì³íè êóðñó ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðó ³íîçåìíèõ âàëþò ïîíàä íà 5 òà á³ëüøå ïðîöåíò³â Ñòîðîíè íà äàòó óêëàäåííÿ öüîãî Äîãîâîðó, óçãîäèëè ïðî çá³ëüøåííÿ ðîçì³ðó ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì. Ïðè öüîìó, òàêå çá³ëüøåííÿ ðîçì³ðó ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì íå ïîâèííî ïåðåâèùóâàòè ïîäâ³éíîãî ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, çàçíà÷åíî¿ â öüîìó ïóíêò³. ²íôîðìàö³þ ïðî ðîçì³ð óçãîäæåíî¿ çì³íåíî¿ ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì, Áàíê ðîçì³ùóº äëÿ Êë³ºíòà îäíèì ç òàêèõ ñïîñîá³â: â ïèñüìîâ³é ôîðì³, ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó òà Êë³ºíòà - ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, Ïðèâàò 24, sms-ïîâ³äîìëåííÿ íà îñòàíí³ â³äîì³ Áàíêó íîìåðè òåëåôîí³â, íàäàíèõ Áàíêó ïðè ³äåíòèô³êàö³¿ òà àêòóàë³çàö³¿ â³äîìîñòåé ïðî Êë³ºíòà, àáî ³íøèìè çàñîáàìè. Óçãîäæåíèé Ñòîðîíàìè çì³íåíèé ðîçì³ð ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì º ÷èííèì ç ìîìåíòó ðîçì³ùåííÿ éîãî ñïîñîáîì, çàçíà÷åíèì â öüîìó ïóíêò³, ÿêùî ³íøà äàòà íå âèçíà÷åíà â ³íôîðìàö³¿ ïðî çì³íó ðîçì³ðó ïðîöåíò³â. Ó ðàç³ íå ïîãàøåííÿ çàáîðãîâàíîñò³ Êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 30 äí³â, âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì Êë³ºíò ïëàòèòü â³äñîòêè â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³. Âêàçàíèé â öüîìó ïóíêò³ ñòðîê ìîæå áóòè çì³íåíèé çã³äíî óìîâ öüîãî Äîãîâîðó. Ó ðàç³, ÿêùî â äàòó âèêîíàííÿ çàÿâêè àáî ï³ñëÿ íå¿, ó êë³ºíòà íà ïîòî÷íîìó ðàõóíêó íåäîñòàòíüî âëàñíèõ êîøò³â - Êë³ºíò äîðó÷àº Áàíêó â îäíîñòîðîííüîìó ïîðÿäêó ïðîâîäèòè ñïèñàííÿ êîøò³â íà ïîãàøåííÿ çàáîðãîâàíîñò³ ÿê çà ðàõóíîê âëàñíèõ êîøò³â Êë³ºíòà, ùî íàäõîäÿòü íà âñ³ ïîòî÷í³ ðàõóíêè, â³äêðèò³ â Áàíêó, òàê ³ çà ðàõóíîê íåâèêîðèñòàíèõ êîøò³â ïî "êðåäèòíîìó ë³ì³òó íà ðîçðàõóíêîâîìó ðàõóíêó", ïîäàëüø³ âçàºìèíè çà ÿêèì ðåãóëþþòüñÿ ðîçä³ëîì 3.2.1 ñïðàâæí³õ "Óìîâ òà Ïðàâèë". ²íø³ ³ñòîòí³ óìîâè êðåäèòóâàííÿ íàâåäåíî â çàÿâö³.</FONT></P>
<P class="ps3"><FONT class="fs182">Â³äïîâ³äíî äî ï. 3.2.2.7.5 Óìîâ ó âèïàäêó ïîðóøåííÿ Êë³ºíòîì ñòðîê³â âèêîíàííÿ áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü, âñòàíîâëåíèõ öèì Äîãîâîðîì (ïðè â³äñóòíîñò³ êîøò³â ó íåîáõ³äíèõ ñóìàõ íà ðàõóíêàõ Êë³ºíòà äëÿ çä³éñíåííÿ ïîâíîâàæåíü Áàíêó çã³äíî ï.3.2.2.6.6 öüîãî Äîãîâîðó), à òàêîæ äëÿ ñïëàòè ïåðåäáà÷åíèõ öèì ïóíêòîì êîì³ñ³éíèõ âèíàãîðîä Êë³ºíò äîðó÷àº Áàíêó çä³éñíþâàòè ñïèñàííÿ êîøò³â ³ç âñ³õ ïîòî÷íèõ ³ äåïîçèòíèõ ðàõóíê³â Êë³ºíòà â Áàíêó â ïîðÿäêó, ïåðåäáà÷åíîìó çàêîíîäàâñòâîì òà öèìè Óìîâàìè. Äëÿ ñïèñàííÿ êîøò³â ç ïîòî÷íîãî ðàõóíêó Êë³ºíòà Áàíê îôîðìëÿº ìåìîð³àëüíèé îðäåð, ó ðåêâ³çèò³ "Ïðèçíà÷åííÿ ïëàòåæó" ÿêîãî çàçíà÷àºòüñÿ íîìåð, äàòà ³ ïîñèëàííÿ íà ïóíêò 3.2.2.7.5 öüîãî Äîãîâîðó. </FONT></P>
<P class="ps3"><FONT class="fs181">Òàê, ïîçèâà÷åì íà âèêîíàííÿ óìîâ Äîãîâîðó, çã³äíî çàÿâêè íà çä³éñíåííÿ ãàðàíòîâàíîãî ïëàòåæó ïðîâåäåíî ãàðàíòîâàíèé ïëàò³æ, ùî ï³äòâåðäæóºòüñÿ âèïèñêîþ ïî ðàõóíêó çà ïåð³îä ç 17.06.2013 ïî 27.03.2015 (íàëåæíèì ÷èíîì çàâ³ðåíà êîï³ÿ âêàçàíî¿ âèïèñêè íàÿâíà â ìàòåð³àëàõ ñïðàâè).</FONT></P>
<P class="ps3"><FONT class="fs180">Â³äòàê, ïîçèâà÷ âèêîíàâ ñâî¿ çîáîâÿçàííÿ çà Äîãîâîðîì, ÿêå ïîëÿãàº ó ñâîº÷àñíîìó ïðîâåäåíí³ ãàðàíòîâàíîãî ïëàòåæó ³í³ö³éîâàíîãî â³äïîâ³äà÷åì.</FONT></P>
<P class="ps3"><FONT class="fs179">Çà ðåçóëüòàòàìè îö³íêè äîêàç³â, íàÿâíèõ â ìàòåð³àëàõ ñïðàâè, òà âèõîäÿ÷è ç âèêëàäåíèõ âèùå ôàêòè÷íèõ îáñòàâèí, ñóä ä³éøîâ âèñíîâêó, ùî ïîçîâ ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "</FONT><FONT class="fs139">Ïðèâàòáàíê</FONT><FONT class="fs178">" ï³äëÿãàº çàäîâîëåííþ ïîâí³ñòþ, ç óðàõóâàííÿì òàêîãî.</FONT></P>
<P class="ps3"><FONT class="fs177">Â³äïîâ³äíî äî ÷àñòèíè 2 ñòàòò³ 628 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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 âñòàíîâëåíå äîãîâîðîì àáî íå âèïëèâàº ³ç ñóò³ çì³øàíîãî äîãîâîðó.</FONT></P>
<P class="ps3"><FONT class="fs176">Ñòàòòÿ 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº çàãàëüíèé ïîðÿäîê óêëàäàííÿ ãîñïîäàðñüêèõ äîãîâîð³â. ×àñòèíà 1 çàçíà÷åíî¿ ñòàòò³ âèçíà÷àº, 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.</FONT></P>
<P class="ps3"><FONT class="fs175">Â³äïîâ³äíî äî íîðì ñòàòò³ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. ßêùî 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. </FONT></P>
<P class="ps3"><FONT class="fs174">Çã³äíî ç ïóíêòîì 1 ÷àñòèíè 2 ñòàòò³ 11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â º, çîêðåìà, äîãîâîðè òà ³íø³ ïðàâî÷èíè.</FONT></P>
<P class="ps3"><FONT class="fs173">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 509 Öèâ³ëüíîãî 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.</FONT></P>
<P class="ps3"><FONT class="fs172">Äîñë³äèâøè çì³ñò óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ, ñóä ïðèõîäèòü äî âèñíîâêó ïðî éîãî çì³øàíó ïðàâîâó ïðèðîäó, à ñàìå, ïðî òå, ùî äîãîâ³ð ì³ñòèòü åëåìåíòè äîãîâîðó áàíê³âñüêîãî ðàõóíêó òà êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps3"><FONT class="fs171">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 1066 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà äîãîâîðîì áàíê³âñüêîãî &nbsp;ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps3"><FONT class="fs170">Äîãîâ³ð áàíê³âñüêîãî ðàõóíêó óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè. Áàíê çîáîâ'ÿçàíèé óêëàñòè äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ç êë³ºíòîì, ÿêèé çâåðíóâñÿ ç &nbsp;ïðîïîçèö³ºþ â³äêðèòè ðàõóíîê íà îãîëîøåíèõ áàíêîì óìîâàõ, ùî â³äïîâ³äàþòü çàêîíó òà áàíê³âñüêèì ïðàâèëàì (÷àñòèíè 1 òà 2 ñòàòòÿ 1067 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps3"><FONT class="fs169">Â³äïîâ³äíî äî ñòàòò³ 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.</FONT></P>
<P class="ps3"><FONT class="fs168">Ïîçèâà÷ íàïðàâèâ â³äïîâ³äà÷åâ³ ëèñò-ïðåòåíç³þ â³ä 20.02.2015 ç âèìîãàìè ïðî ïîãàøåííÿ çàáîðãîâàíîñò³ çà Äîãîâîðîì. Ïðîòå â³äïîâ³äà÷ âèìîã ïîçèâà÷à íå âèêîíàâ.</FONT></P>
<P class="ps3"><FONT class="fs167">Ñï³ð ì³æ ñòîðîíàìè ñóäîâîãî ïðîöåñó âèíèê âíàñë³äîê ïîðóøåííÿ â³äïîâ³äà÷åì éîãî çîáîâ'ÿçàíü çà Äîãîâîðîì. ßê âñòàíîâëåíî ñóäîì, êë³ºíò íàëåæíèì ÷èíîì íå âèêîíàâ âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ çà Äîãîâîðîì ó çâÿçêó ç ÷èì â îñòàííüîãî âèíèêëà çàáîðãîâàí³ñòü ïî êðåäèòó ó ðîçì³ð³ 99.241,05 ãðí; çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 76.719,37 ãðí; ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà Äîãîâîðîì 31.992,51 ãðí.</FONT></P>
<P class="ps3"><FONT class="fs166">Ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì, àðèôìåòè÷íèé ðîçðàõóíîê ñóì, ùî çàÿâëåí³ äî ñòÿãíåííÿ, ñóä ââàæàº éîãî îá´ðóíòîâàíèì ó çâÿçêó ç ÷èì âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 99.241,05 ãðí; ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 76.719,37 ãðí ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps3"><FONT class="fs165">Â³äïîâ³äíî äî ñòàòò³ 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. Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. Ïîðóøåííÿ çîáîâ'ÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì. </FONT></P>
<P class="ps3"><FONT class="fs164">Çàçíà÷åíå òàêîæ êîðåñïîíäóºòüñÿ ç³ ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè â³äïîâ³äíî äî ÿêèõ 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps3"><FONT class="fs163">Ñòàòòÿ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps3"><FONT class="fs162">Â³äïîâ³äíî äî ñòàòò³ 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps3"><FONT class="fs161">×àñòèíîþ 1 ñòàòò³ 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps3"><FONT class="fs160">Ó çâÿçêó ç íåíàëåæíèì âèêîíàííÿì ãðîøîâèõ çîáîâÿçàíü çà äîãîâîðîì ïîçèâà÷ íàðàõóâàâ â³äïîâ³äà÷ó ïåíþ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì ó ðîçì³ð³ 31.992,51 ãðí.</FONT></P>
<P class="ps3"><FONT class="fs159">Øòðàôíèìè ñàíêö³ÿìè ó Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâÿçàííÿ (÷àñòèíà 1 ñòàòò³ 230 Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè).</FONT></P>
<P class="ps3"><FONT class="fs158">Çã³äíî ç ÷àñòèíàìè 1, 3 ñòàòò³ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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 íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</FONT></P>
<P class="ps3"><FONT class="fs157">Ó â³äïîâ³äíîñò³ äî ÷àñòèíè 2 ñòàòò³ 551 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ÿêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà. Ðîçì³ð íåóñòîéêè, âñòàíîâëåíèé çàêîíîì, ìîæå áóòè çá³ëüøåíèé ó äîãîâîð³. Ñòîðîíè ìîæóòü äîìîâèòèñÿ ïðî çìåíøåííÿ ðîçì³ðó íåóñòîéêè, âñòàíîâëåíîãî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì. </FONT></P>
<P class="ps3"><FONT class="fs156">Â³äïîâ³äíî äî ÷àñòèíè 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. </FONT></P>
<P class="ps3"><FONT class="fs155">Çà ïðèïèñàìè ï. 3.2.2.10.4 Óìîâ íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíèõ ï.ï. 3.2.2.10.1-3.2.2.10.3 Äîãîâîðó çä³éñíþºòüñÿ ïðîòÿãîì 15 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî â³äïîâ³äà÷åì.</FONT></P>
<P class="ps0"><FONT class="fs154">Ïîëîæåííÿìè ï. 3.2.2.10.1 Óìîâ âñòàíîâëåíî, ùî ó ðàç³ ïîðóøåííÿ â³äïîâ³äà÷åì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïåðåäáà÷åíèõ ï.ï. 3.2.2.6.2, 3.2.2.9.1 -3.2.2.9.3 öüîãî Äîãîâîðó , òåðì³í³â ïîâåðíåííÿ êðåäèòó ïåðåäáà÷åíèõ ï.ï. 3.2.2.2, 3.2.2.6.3, 3.2.2.6.16, 3.2.2.7.2 öüîãî Äîãîâîðó , âèíàãîðîäè , ïåðåäáà÷åíî¿ ï.ï.3.2.2.6.5, 3.2.2.9.4-3.2.2.9.6 öüîãî Äîãîâîðó , â³äïîâ³äà÷ ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî 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 ïåðåäáà÷åíîãî ï. 3.2.2.2 Äîãîâîðó, â³äïîâ³äà÷ ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³, çàçíà÷åíîìó â çàÿâö³, â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps3"><FONT class="fs153">Ç îãëÿäó íà âèùåíàâåäåíå òà äîâåäåííÿ ôàêòó íåñâîº÷àñíîñò³ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ çà Äîãîâîðîì, ïîçèâà÷åì áóëî ïðàâîì³ðíî íàðàõîâàíî ïåíþ. Ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì àðèôìåòè÷íèé ðîçðàõóíîê ïåí³ ó ðîçì³ð³ 31.992,51 ãðí, ñóä ââàæàº éîãî îá´ðóíòîâàíèì òà òàêèì, ùî â³äïîâ³äàº ïîëîæåííÿì Äîãîâîðó òà ïðèïèñàì çàêîíîäàâñòâà ïðî ïîðÿäîê òà ñòðîêè íàðàõóâàííÿ ó çâÿçêó ç ÷èì âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à ïåí³ ó ðîçì³ð³ 31.992,51 ãðí ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps3"><FONT class="fs152">Îáîâÿçîê äîêàçóâàííÿ â³äïîâ³äíî äî ïóíêòó 4 ÷àñòèíè òðåòüî¿ ñòàòò³ 129 Êîíñòèòóö³¿ Óêðà¿íè òà ñòàòò³ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ðîçïîä³ëÿºòüñÿ ì³æ ñòîðîíàìè âèõîäÿ÷è ç òîãî, õòî ïîñèëàºòüñÿ íà ïåâí³ þðèäè÷í³ ôàêòè, ÿê³ îá´ðóíòîâóþòü éîãî âèìîãè òà çàïåðå÷åííÿ.</FONT></P>
<P class="ps3"><FONT class="fs151">Â³äïîâ³äíî äî ñòàòò³ 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè.</FONT></P>
<P class="ps3"><FONT class="fs150">Âðàõîâóþ÷è, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³, çã³äíî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps3"><FONT class="fs149">Êåðóþ÷èñü ñòàòòÿìè 33, 34, 43, 44, 49, ñòàòòÿìè 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, </FONT></P>
<P class="ps6"><FONT class="fs120">Â È Ð ² Ø È Â :</FONT></P>
<P class="ps3"><FONT class="fs148">1. Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps3"><FONT class="fs145">3. Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàç.</FONT></P>
<P class="ps3"><FONT class="fs144">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.</FONT></P>
<P class="ps3"><FONT class="fs137">Ïîâíå ð³øåííÿ ñêëàäåíî 07 âåðåñíÿ 2015 ðîêó</FONT></P>
<P><FONT class="fs119"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;Ñ.Â. Áàëàö </FONT></P>