<TITLE>915/1198/15</TITLE>
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<P class="ps14"><FONT class="fs188"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs192"><IMG src="herb.gif" height=67 width=50></FONT></P>
<P class="ps10"><FONT class="fs107">ÎÄÅÑÜÊÈÉ ÀÏÅËßÖ²ÉÍÈÉ ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ</FONT></P>
<P class="ps10"><FONT class="fs109">_____________________________________________________________________________________________</FONT></P>
<P class="ps10"><FONT class="fs106">Ï Î Ñ Ò À Í Î Â À</FONT></P>
<P class="ps10"><FONT class="fs186">²ÌÅÍÅÌ &nbsp;</FONT><FONT class="fs105">ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="49 %" class="tds6"><P class="ps12">"17" âåðåñíÿ 2015 ð.</P></TD><TD width="51 %" class="tds6"><P class="ps13"><FONT class="fs129"> Ñïðàâà ¹ 915/1198/15</FONT></P></TD></TR>
<P class="ps3"><FONT class="fs127">Îäåñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé &nbsp;ñóä ó ñêëàä³: &nbsp;</FONT></P>
<P class="ps7"><FONT class="fs126">ãîëîâóþ÷îãî ñóää³</FONT><FONT class="fs185">: Ë³ï÷àíñüêî¿ Í.Â.,</FONT></P>
<P class="ps7"><FONT class="fs125">ñóää³â:</FONT><FONT class="fs184"> Ëèñåíêî Â.À., ßðîø À.².</FONT></P>
<P class="ps7"><FONT class="fs183">Ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ìîëîäîâ³ Â.Ñ.,</FONT></P>
<P class="ps2"><FONT class="fs182">ïðåäñòàâíèêè ñòîð³í ó ñóäîâå çàñ³äàííÿ íå ç'ÿâèëèñü, ïðî ÷àñ, äàòó òà ì³ñöå éîãî ïðîâåäåííÿ ïîâ³äîìëåí³ íàëåæíèì ÷èíîì.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps2"><FONT class="fs124">Ðîçãëÿíóâøè àïåëÿö³éíó ñêàðãó </FONT><FONT class="fs181">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "ÏÐÈÂÀÒÁÀÍÊ"</FONT></P>
<P class="ps2"><FONT class="fs123">íà ð³øåííÿ</FONT><FONT class="fs180"> ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ â³ä 04.08.2015ð.</FONT></P>
<P class="ps2"><FONT class="fs179">ïî ñïðàâ³ ¹ 915/1198/15</FONT></P>
<P class="ps2"><FONT class="fs122">çà ïîçîâîì: </FONT><FONT class="fs178">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏÐÈÂÀÒÁÀÍÊ, ì.Äí³ïðîïåòðîâñüê,</FONT></P>
<P class="ps2"><FONT class="fs121">äî â³äïîâ³äà÷à: </FONT><FONT class="fs177">Ôåðìåðñüêîãî ãîñïîäàðñòâà ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ, Ìèêîëà¿âñüêà îáë., Ñí³ãóð³âñüêèé ð-í, ñ. Òðóäîëþá³âêà,</FONT></P>
<P class="ps8"><FONT class="fs119">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs174">Ó ëèïí³ 2015 ðîêó Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê Ïðèâàòáàíê (äàë³ - Áàíê) çâåðíóâñÿ äî ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ ³ç ïîçîâîì äî Ôåðìåðñüêîãî ãîñïîäàðñòâà ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ (Äàë³ - ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ) ïðî ñòÿãíåííÿ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 15.01.2014ð. çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 9986,01 ãðí., çàáîðãîâàíîñò³ ïî ïðîöåíòàì  6204,65 ãðí., ïåí³ &nbsp;- 5331,32 ãðí., çàáîðãîâàíîñò³ ïî êîì³ñ³¿  1258,18 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs172">Áàíê ïðîñèâ ãîñïîäàðñüêèé ñóä ñòÿãíóòè âèùåçàçíà÷åíó ñóìó ç ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ íà ï³äñòàâ³ ñò.ñò. 526, 527, 530, 610 ÖÊ Óêðà¿íè, ñò. 193 ÃÊ Óêðà¿íè, ñò.ñò. 7, 15, 49, 54-57, 64 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs170">Ìîòèâóþ÷è äàíå ð³øåííÿ, ì³ñöåâèé ãîñïîäàðñüêèé ñóä, ïîñèëàþ÷èñü íà ïîëîæåííÿ ñò.ñò. 525, 526, 629 ÖÊ Óêðà¿íè çàçíà÷èâ, ùî çîáîâÿçàííÿ ìàº âèêîíóâàòèñü â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ. Äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. Òàêîæ ä³éøîâ äî âèñíîâêó, ùî çä³éñíåííÿ Áàíêîì íàðàõóâàííÿ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ó ïåð³îä ç 27.01.2014ð. ïî 30.06.2014ð. ³ç çàñòîñóâàííÿì ïåðåäáà÷åíèõ Óìîâàìè ô³êñîâàíèõ â³äñîòêîâèõ ñòàâîê ñóä âèçíàº îá´ðóíòîâàíèì, à ùîäî çàñòîñóâàííÿ ó ïåð³îä 01.07.2014ð. - 02.06.2015ð. â³äñîòêîâî¿ ñòàâêè ó ðîçì³ð³ 56% ð³÷íèõ ì³ñöåâèé ñóä ïðèéøîâ äî íàñòóïíîãî.</FONT></P>
<P class="ps1"><FONT class="fs169">Ï³äïóíêòîì 3.18.2.3.1 Óìîâ (ñòàíîì íà äåíü óêëàäåííÿ äîãîâîðó) ñòîðîíàìè ïåðåäáà÷åíî çàñòîñóâàííÿ çì³íþâàíî¿ (äèôåðåíö³éîâàíî¿) â³äñîòêîâî¿ ñòàâêè. Ñòîðîíè óçãîäèëè ï³äñòàâè çì³íè â³äñîòêîâî¿ ñòàâêè, ÿêèìè º ñòðîê îáíóë³ííÿ êðåäèòó, òà ìàêñèìàëüíèé ðîçì³ð â³äñîòêîâî¿ ñòàâêè ó ðàç³ íå çä³éñíåííÿ îáíóë³ííÿ êðåäèòó íà êîíêðåòíó äàòó.</FONT></P>
<P class="ps1"><FONT class="fs168">Çì³íà Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó âèçíà÷åíèõ ó âêàçàíîìó ïï. 3.18.2.3.1 Óìîâ (ñòàíîì íà äåíü óêëàäåííÿ äîãîâîðó) ìàêñèìàëüíèõ ðîçì³ð³â â³äñîòêîâî¿ ñòàâêè ó ðàç³ íå îáíóë³ííÿ êðåäèòó ñóïåðå÷èòü ïîëîæåííÿì ñò.1056-1 ÖÊ Óêðà¿íè, ÿêèìè ïåðåäáà÷åíî, çîêðåìà, ùî êðåäèòîäàâåöü çîáîâÿçàíèé ïèñüìîâî ïîâ³äîìèòè ïîçè÷àëüíèêà ïðî çì³íó ïðîöåíòíî¿ ñòàâêè íå ï³çí³ø ÿê çà 15 êàëåíäàðíèõ äí³â äî äàòè, ç ÿêî¿ çàñòîñîâóâàòèìåòüñÿ íîâà ñòàâêà. Êðåäèòîð íå ìàº ïðàâà çì³íþâàòè âñòàíîâëåíèé êðåäèòíèì äîãîâîðîì ïîðÿäîê ðîçðàõóíêó çì³íþâàíî¿ ïðîöåíòíî¿ ñòàâêè áåç çãîäè ïîçè÷àëüíèêà. </FONT></P>
<P class="ps5"><FONT class="fs167">Íå ïîãîäæóþ÷èñü ³ç äàíèì ð³øåííÿì ãîñïîäàðñüêîãî ñóäó, Áàíê çâåðíóâñÿ äî ç àïåëÿö³éíîþ ñêàðãîþ, ââàæàþ÷è âêàçàíå ð³øåííÿ âèíåñåíèì ç ïîðóøåííÿì íîðì ïðîöåñóàëüíîãî òà ìàòåð³àëüíîãî ïðàâà.</FONT></P>
<P class="ps6"><FONT class="fs166">Äîñë³äèâøè ìàòåð³àëè ñïðàâè òà äîâîäè àïåëÿö³éíî¿ ñêàðãè, ïåðåâ³ðèâøè ïðàâèëüí³ñòü çàñòîñóâàííÿ ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì íîðì ìàòåð³àëüíîãî òà ïðîöåñóàëüíîãî ïðàâà, ñóäîâà êîëåã³ÿ ââàæàº, ùî ð³øåííÿ ãîñïîäàðñüêîãî ñóäó ñë³ä çàëèøèòè áåç çì³í, à àïåëÿö³éíó ñêàðãó  áåç çàäîâîëåííÿ, âèõîäÿ÷è ç íàñòóïíèõ ï³äñòàâ. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs165">Ó â³äïîâ³äíîñò³ ç ÷. 1 ñò. 181 ÃÊ Óêðà¿íè 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="ps5"><FONT class="fs164">Öèâ³ëüíèì çàêîíîäàâñòâîì Óêðà¿íè ïåðåäáà÷åíî, ùî äîãîâ³ð óêëàäàºòüñÿ øëÿõîì ïðèºäíàííÿ äî óìîâ, âñòàíîâëåíèõ îäí³ºþ ³ç ñòîð³í ó ôîðìóëÿðàõ àáî ³íøèõ ñòàíäàðòíèõ ôîðìàõ. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs163">Óêëàäàííÿ ì³æ Áàíêîì ³ ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ äîãîâîðó ó ñïðîùåíèé ñïîñ³á ï³äòâåðäæóºòüñÿ çàÿâîþ â³äïîâ³äà÷à ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã â³ä 15.01.2014ð. (à.ñ.33). Çã³äíî ö³º¿ çàÿâè ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ ïðèºäíàëîñü òà ïîãîäèëîñü ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàìè Ïðèâàòáàíêó, ðîçì³ùåíèìè íà îô³ö³éíîìó ñàéò³ Ïðèâàòáàíêó http:/privatbank.ua, êîòð³ ðàçîì ç ö³ºþ çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs162">Óìîâàìè (ñòàíîì íà äåíü óêëàäåííÿ äîãîâîðó), ÿê³ º íåâ³äºìíîþ ÷àñòèíîþ óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó â³ä 15.01.2014ð., ïåðåäáà÷åíî íàñòóïíå.</FONT></P>
<P class="ps5"><FONT class="fs160">Êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â â³äïîâ³äà÷à â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïîçèâà÷ çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó â³äïîâ³äà÷à, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî (ïï. 3.18.1.1 Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs159">Ë³ì³ò ìîæå áóòè çì³íåíèé â³äïîâ³äà÷åì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè ïîçèâà÷à. Ï³äïèñàâøè óãîäó, â³äïîâ³äà÷ âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà ë³ì³òó ïðîâîäèòüñÿ ïîçèâà÷åì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ â³äïîâ³äà÷à íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó ñòîð³í (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò-êë³ºíò-áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ), (ïï.3.18.1.6 Óìîâ). </FONT></P>
<P class="ps5"><FONT class="fs158">Ïðîâåäåííÿ ïëàòåæ³â â³äïîâ³äà÷à â ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, çä³éñíþºòüñÿ ïîçèâà÷åì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó, çîêðåìà, ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ â³äïîâ³äà÷à äî Óìîâ. Ïðè ïîðóøåíí³ â³äïîâ³äà÷åì áóäü-ÿêîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíèõ Óìîâàìè, ïîçèâà÷, íà âëàñíèé ðîçñóä, ìàº ïðàâî çì³íèòè óìîâè êðåäèòóâàííÿ, âñòàíîâèòè ³íøèé ñòðîê ïîâåðíåííÿ êðåäèòó. Ïðè íàëåæíîìó âèêîíàíí³ â³äïîâ³äà÷åì çîáîâÿçàíü, ïåðåäáà÷åíèõ Óìîâàìè, çä³éñíåííÿ ïëàòåæ³â â³äïîâ³äà÷à â ïîðÿäêó îáñëóãîâóâàííÿ ë³ì³òó ìîæå áóòè ïðîäîâæåíî ïîçèâà÷åì íà òîé æå ñòðîê (ïï. 3.18.1.8 Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs157">ÔÃ Òðóäîëþá³âñüêå çîáîâÿçàëîñÿ ñïëàòèòè â³äñîòêè çà âåñü ÷àñ ôàêòè÷íîãî êîðèñòóâàííÿ êðåäèòîì, ïðîâîäèòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå ñòðîêó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì òà ïîâí³ñòþ ïîâåðíóòè êðåäèò â ñòðîêè, ïåðåäáà÷åí³ Óìîâàìè (ï.ï. 3.18.2.2.2, 3.18.2.2.3 òà 3.18.2.2.5). Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ â³äïîâ³äà÷åì áóäü-ÿêîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä â³äïîâ³äà÷à äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³ (ïï. 3.18.2.3.4 Óìîâ). </FONT></P>
<P class="ps5"><FONT class="fs156">Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ îñòàíí³é ñïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà). 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 îáíóë³ííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, â³äïîâ³äà÷ ñïëà÷óº ïîçèâà÷ó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ. Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ â³äïîâ³äà÷à ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ â³äïîâ³äà÷åì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü, â³í ñïëà÷óº ïîçèâà÷ó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 48% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ â³äïîâ³äà÷åì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü òà ïðè ðåàë³çàö³¿ ïðàâà ïîçèâà÷à íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè, â³äïîâ³äà÷ ñïëà÷óº ïîçèâà÷ó ïåíþ ó ðîçì³ð³ 0,1315% â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâÿçàíü. Ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ (ïï. 3.18.4 Óìîâ). </FONT></P>
<P class="ps5"><FONT class="fs155">ÔÃ Òðóäîëþá³âñüêå ñïëà÷óº ïîçèâà÷ó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.18.1.6., 3.18.2.3.2. Óìîâ 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, ó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè (ïï.3.18.4.4 Óìîâ). </FONT></P>
<P class="ps5"><FONT class="fs154">Ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç äàòè 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 ïî êðåäèòó, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ ïî êðåäèòó. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè. Ïðè íåñïëàò³ âèíàãîðîäè, ïðîöåíò³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè (ï.ï. 3.18.4.9, 3.18.4.10 &nbsp;Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs153">Çà ñâîºþ þðèäè÷íîþ ïðèðîäîþ óêëàäåíèé ñòîðîíàìè äîãîâ³ð º çì³øàíèì äîãîâîðîì çä³éñíåííÿ áàíê³âñüêèõ îïåðàö³é, ÿêèé ì³ñòèòü åëåìåíòè äîãîâîðó áàíê³âñüêîãî ðàõóíêó òà êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps5"><FONT class="fs152">Ó â³äïîâ³äíîñò³ äî ñò. 339 ÃÊ Óêðà¿íè áàíêàìè çä³éñíþºòüñÿ ô³íàíñîâå ïîñåðåäíèöòâî ó ôîðì³ áàíê³âñüêèõ îïåðàö³é, çîêðåìà ðîçðàõóíêîâèõ, êðåäèòíèõ. </FONT></P>
<P class="ps5"><FONT class="fs151">Òàê, ÷. 1 ñò. 1066 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî çà äîãîâîðîì áàíê³âñüêîãî 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. Â³äïîâ³äíî äî ÷.4 ñò.1068 ÖÊ Óêðà¿íè, êë³ºíò çîáîâÿçàíèé ñïëàòèòè ïëàòó çà âèêîíàííÿ áàíêîì îïåðàö³é çà ðàõóíêîì êë³ºíòà, ÿêùî öå âñòàíîâëåíî äîãîâîðîì. </FONT></P>
<P class="ps5"><FONT class="fs150">Çã³äíî ñò. 1054 ÖÊ 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. Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ãëàâè 71 ÖÊ Óêðà¿íè, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì 2 ãëàâè 71 ÖÊ Óêðà¿íè ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps5"><FONT class="fs148">Çã³äíî âèïèñêè ç îñîáîâîãî ðàõóíêó çà ïåð³îä 17.01.2014ð. ïî 02.06.2015ð.</FONT><FONT class="fs118"> </FONT><FONT class="fs147">ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ âèêîðèñòàëî êðåäèòíèé ë³ì³ò, ïðîòå íå çä³éñíèëî ïëàòåæ³ íà âèêîíàííÿ ñâî¿õ ãðîøîâèõ çîáîâÿçàíü çà äîãîâîðîì, ³ òîìó íà äàíèé ÷àñ çàáîðãîâàí³ñòü ç ïîâåðíåííÿ îòðèìàíèõ çà äîãîâîðîì êðåäèòíèõ êîøò³â ñòàíîâèòü ñóìó 9986,01 ãðí. ²ç âêàçàíî¿ âèïèñêè òàêîæ âèïëèâàº, ùî òîâàðèñòâî íå ïîâí³ñòþ îïëàòèëî Áàíêó ïåðåäáà÷åíó äîãîâîðîì êîì³ñ³éíó &nbsp;âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó.</FONT></P>
<P class="ps5"><FONT class="fs146">Çã³äíî ïîäàíèõ ïîçèâà÷åì ðîçðàõóíê³â çàáîðãîâàí³ñòü ç îïëàòè êîì³ñ³éíî¿ âèíàãîðîäè çà âèêîðèñòàííÿ ë³ì³òó ïðîòÿãîì 01.04.2014ð.  01.05.2015ð. ñêëàäàº ñóìó 1258,18 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs145">Âèùåâêàçàíèé ðîçðàõóíîê çàáîðãîâàíîñò³ ì³ñöåâèé ñóä âèçíàâ îá´ðóíòîâàíèì, ÿêèé ñóäîâà êîëåã³ÿ àïåëÿö³éíî¿ ³íñòàíö³¿ òàêîæ ââàæàº òàêèì, ùî â³äïîâ³äàº âèìîãàì ÷èííîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps5"><FONT class="fs144">Òàêîæ íåîáõ³äíî çàçíà÷èòè, ùî Áàíêîì ó â³äïîâ³äíîñò³ äî Óìîâ äîãîâîðó â ïåð³îä 17.01.2014ð - 26.01.2014ð. íå íàðàõîâóâàëèñÿ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, àëå, îñê³ëüêè â³äïîâ³äà÷ íå çä³éñíèâ óñóïåðå÷ Óìîâàì îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ³ç äàò 20-ãî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, òî çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ó ïåð³îä 27.01.2014ð. - 04.05.2014ð. Áàíêîì íàðàõîâàí³ â³äñîòêè, âèõîäÿ÷è ³ç ñòàâêè 24% ð³÷íèõ, à ó ïîäàëüøîìó çà ïåð³îä 05.05.2014ð. - 30.06.2014ð. - âèõîäÿ÷è ³ç ñòàâêè 48% ð³÷íèõ, ³ çà ïåð³îä 01.07.2014ð. - 02.06.2015ð. - âèõîäÿ÷è ³ç ñòàâêè 56% ð³÷íèõ, à âñüîãî â³äñîòê³â ó ñóì³ 6204,65 ãðí.</FONT></P>
<P class="ps1"><FONT class="fs143">Çä³éñíåííÿ íàðàõóâàííÿ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ó ïåð³îä ç 27.01.2014ð. ïî 30.06.2014ð. ³ç çàñòîñóâàííÿì ïåðåäáà÷åíèõ Óìîâàìè ô³êñîâàíèõ â³äñîòêîâèõ ñòàâîê òàêîæ º îá´ðóíòîâàíèì. À ùîäî çàñòîñóâàííÿ ó ïåð³îä 01.07.2014ð. - 02.06.2015ð. â³äñîòêîâî¿ ñòàâêè ó ðîçì³ð³ 56% ð³÷íèõ ñë³ä çàçíà÷èòè íàñòóïíå. </FONT></P>
<P class="ps1"><FONT class="fs142">Ñóäîâà êîëåã³ÿ ââàæàº íåïðàâîì³ðíèì òâåðäæåííÿ Áàíêó ïðî òå, ùî ó â³äïîâ³äíîñò³ äî ïï. 3.18.2.3.1 Óìîâ, ÿê³ ä³ÿëè â ðåäàêö³¿ íà ìîìåíò óêëàäåííÿ äîãîâîðó, ïåðåäáà÷åíèé öèìè Óìîâàìè ðîçì³ð â³äñîòêîâèõ ñòàâîê º çì³íþâàíèì, à òîìó Áàíê ä³ÿâ ïðàâîì³ðíî, ï³äâèùèâøè ç 01.07.2014ð. â³äñîòêîâ³ ñòàâêè ç 48% ð³÷íèõ äî 56% ð³÷íèõ â³äïîâ³äíî.</FONT></P>
<P class="ps1"><FONT class="fs141">Ï³äïóíêòîì 3.18.2.3.1 Óìîâ (ñòàíîì íà äåíü óêëàäåííÿ äîãîâîðó) ñòîðîíàìè ïåðåäáà÷åíî çàñòîñóâàííÿ çì³íþâàíî¿ (äèôåðåíö³éîâàíî¿) â³äñîòêîâî¿ ñòàâêè. Ñòîðîíè óçãîäèëè ï³äñòàâè çì³íè â³äñîòêîâî¿ ñòàâêè, ÿêèìè º ñòðîê îáíóë³ííÿ êðåäèòó, òà ìàêñèìàëüíèé ðîçì³ð â³äñîòêîâî¿ ñòàâêè ó ðàç³ íå çä³éñíåííÿ îáíóë³ííÿ êðåäèòó íà êîíêðåòíó äàòó.</FONT></P>
<P class="ps1"><FONT class="fs140">Çì³íà Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó âèçíà÷åíèõ ó âêàçàíîìó ïï. 3.18.2.3.1 Óìîâ, ÿê³ ä³ÿëè ó ðåäàêö³¿ íà ìîìåíò óêëàäåííÿ äîãîâîðó, ìàêñèìàëüíèõ ðîçì³ð³â â³äñîòêîâî¿ ñòàâêè ó ðàç³ íå îáíóë³ííÿ êðåäèòó ñóïåðå÷èòü ïîëîæåííÿì ñò.1056-1 ÖÊ Óêðà¿íè, ÿêèìè ïåðåäáà÷åíî, çîêðåìà, ùî êðåäèòîäàâåöü çîáîâÿçàíèé ïèñüìîâî ïîâ³äîìèòè ïîçè÷àëüíèêà ïðî çì³íó ïðîöåíòíî¿ ñòàâêè íå ï³çí³ø ÿê çà 15 êàëåíäàðíèõ äí³â äî äàòè, ç ÿêî¿ çàñòîñîâóâàòèìåòüñÿ íîâà ñòàâêà. Ó êðåäèòíîìó äîãîâîð³ âñòàíîâëþºòüñÿ ïîðÿäîê ðîçðàõóíêó çì³íþâàíî¿ ïðîöåíòíî¿ ñòàâêè ³ç çàñòîñóâàííÿì ïîãîäæåíîãî ñòîðîíàìè ³íäåêñó. Ïîðÿäîê ðîçðàõóíêó çì³íþâàíî¿ ïðîöåíòíî¿ ñòàâêè ïîâèíåí äîçâîëÿòè òî÷íî âèçíà÷èòè ðîçì³ð ïðîöåíòíî¿ ñòàâêè çà êðåäèòîì íà áóäü-ÿêèé ìîìåíò ÷àñó ïðîòÿãîì ñòðîêó ä³¿ êðåäèòíîãî äîãîâîðó. Êðåäèòîð íå ìàº ïðàâà çì³íþâàòè âñòàíîâëåíèé êðåäèòíèì äîãîâîðîì ïîðÿäîê ðîçðàõóíêó çì³íþâàíî¿ ïðîöåíòíî¿ ñòàâêè áåç çãîäè ïîçè÷àëüíèêà. </FONT></P>
<P class="ps1"><FONT class="fs139">Çì³íà Áàíêîì íà ñâ³é ðîçñóä ç 01.07.2014ð. â³äñîòêîâî¿ ñòàâêè íå óçãîäæóþòüñÿ òàêîæ ³ ç ³íøèìè óìîâàìè óêëàäåíîãî ñòîðîíàìè äîãîâîðó, çîêðåìà çì³ñòó çàÿâè ÒÎÂ ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ â³ä 15.01.2014ð., ùî º éîãî íåâ³äºìíîþ ÷àñòèíîþ, òà ³ç ÿêî¿ âèïëèâàº, ùî â³äíîñèíè ì³æ ñòîðîíàìè äîãîâîðó ìîæóòü âèð³øóâàòèñÿ ÿê øëÿõîì ï³äïèñó îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä äî äàíîãî äîãîâîðó, òàê ³ øëÿõîì îáì³íó ì³æ íèìè ³íôîðìàö³ºþ/ïîãîäæåííÿì ç áàíê³âñüêîãî îáñëóãîâóâàííÿ ÷åðåç web-ñàéò Áàíêó (www.pb.ua àáî ³íøèé ³íòåðíåò-/SMS-ðåñóðñ, çàçíà÷åíèé Áàíêîì).</FONT></P>
<P class="ps1"><FONT class="fs138">Ïîçèâà÷åì íå ïîäàíî ñóäó íàëåæíèõ ³ äîïóñòèìèõ äîêàç³â íà ï³äòâåðäæåííÿ òîãî, ùî ÔÃ ÒÐÓÄÎËÞÁ²ÂÑÜÊÅ íàäàíî ó âèçíà÷åíèé â çàÿâ³ ñïîñ³á çãîäó íà çì³íó óìîâ äîãîâîðó, à ñàìå, Óìîâ, ÿê³ ä³ÿëè â ðåäàêö³¿ íà ìîìåíò ï³äïèñàííÿ äîãîâîðó, ³ çîêðåìà, çàñòîñóâàííÿ â³äñîòêîâèõ ñòàâîê ó ðîçì³ðàõ, ïåðåäáà÷åíèõ ó ïï.3.2.1.4.1.3 ïï.3.2.1.4 Óìîâ ó ðåäàêö³¿, ùî ä³º ç 01.07.2014ð., çã³äíî ÿêîãî çà êðåäèòíèì ë³ì³òîì íà ðàõóíêàõ ï³ñëÿ ï³ëüãîâîãî ïåð³îäó &nbsp;çàñòîñîâóºòüñÿ â³äñîòêîâà ñòàâêà â ðîçì³ð³ 36% ð³÷íèõ, à ï³ñëÿ &nbsp;90 äí³â - &nbsp;56% ð³÷íèõ. </FONT></P>
<P class="ps1"><FONT class="fs137">Îòæå, ó ïîäàíèõ ðîçðàõóíêàõ ñóì çàáîðãîâàíîñò³ ç³ ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè Áàíê â îäíîñòîðîííüîìó ïîðÿäêó áåçï³äñòàâíî çàñòîñîâóâàâ ó ïåð³îä 01.07.2014ð. - 02.06.2015ð. â³äñîòêîâó ñòàâêó â ðîçì³ð³ 56% ð³÷íèõ, êîòð³ âèçíà÷åí³ Óìîâàìè, ÿê³ ä³þòü â ðåäàêö³¿ ç 01.07.2014ð.</FONT></P>
<P class="ps1"><FONT class="fs136">Ç óðàõóâàííÿì âèùåçàçíà÷åíîãî ñóä âèçíà÷èâ, ùî ïðè ðîçðàõóíêàõ ñóì â³äñîòê³â çà êîðèñòóâàííÿ â³äïîâ³äà÷åì êðåäèòíèìè êîøòàìè íàëåæèòü çàñòîñîâóâàòè â³äñîòêîâ³ ñòàâêè ó ðîçì³ð³ 24% ð³÷íèõ ó ïåð³îä 27.01.2014ð. - 04.05.2014ð., à â ïåð³îä 05.05.2015ð. - 02.06.2015ð. ó ðîçì³ð³ 48% ð³÷íèõ, ùî âêàçàí³ ó ïï.3.18.4 Óìîâ, ÿê³ ä³ÿëè â ðåäàêö³¿ íà ìîìåíò óêëàäåííÿ äîãîâîðó. Âèçíà÷åíèé ì³ñöåâèì ñóäîì ðîçì³ð çàáîðãîâàíîñò³ â³äïîâ³äà÷à ç³ ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ó ïåð³îä ç 27.01.2014ð. ïî 02.06.2015ð. ñêëàäàº çàãàëüíó ñóìó 5873,86 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs134">Âðàõîâóþ÷è âèùåçàçíà÷åíå, ñóäîâà êîëåã³ÿ àïåëÿö³éíî¿ ³íñòàíö³¿ ââàæàº, ùî ïðè âèíåñåíí³ ð³øåííÿ â³ä 04.08.2015ð. âèíåñåíî ïðè ïîâíîìó çÿñóâàíí³ òà äîñë³äæåíí³ âñ³õ îáñòàâèí ñïðàâè ç ïðàâîì³ðíèì çàñòîñóâàííÿì íîðì ä³þ÷îãî çàêîíîäàâñòâà, à òîìó ï³äñòàâ äëÿ éîãî ñêàñóâàííÿ íå âáà÷àºòüñÿ.</FONT></P>
<P class="ps5"><FONT class="fs117">Êåðóþ÷èñü ñò.ñò. 99, 101, 103-105 ÃÏÊ Óêðà¿íè, ñóä -</FONT></P>
<P class="ps9"><FONT class="fs116">ÏÎÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs115">1. </FONT><FONT class="fs133">Àïåëÿö³éíó ñêàðãó Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "ÏÐÈÂÀÒÁÀÍÊ" - çàëèøèòè áåç çàäîâîëåííÿ.</FONT></P>
<P class="ps0"><FONT class="fs114">2. </FONT><FONT class="fs132">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ â³ä 04.08.2015ð. ó ñïðàâ³ ¹915/1198/15 - çàëèøèòè áåç çì³í.</FONT></P>
<P class="ps5"><FONT class="fs131">Ïîñòàíîâà íàáèðàº çàêîííî¿ ñèëè ç äíÿ ¿¿ ïðèéíÿòòÿ òà ìîæå áóòè îñêàðæåíà ó êàñàö³éíîìó ïîðÿäêó äî Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè. </FONT></P>
<P><FONT class="fs113">Ãîëîâóþ÷èé 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;Í.Â. Ë³ï÷àíñüêà</FONT></P>
<P><FONT class="fs112">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;Â.À. Ëèñåíêî &nbsp;</FONT></P>
<P><FONT class="fs111">Cóääÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;À.². ßðîø </FONT></P>