<TITLE>911/4147/15</TITLE>
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<P class="ps19"><FONT class="fs230"> </FONT><FONT class="fs228"><IMG src="herb.gif" height=58 width=44></FONT></P>
<P class="ps13"><FONT class="fs140">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps13"><FONT class="fs145">Êè¿âñüêî¿ îáëàñò³</FONT></P>
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<P class="ps11"><FONT class="fs149"> &nbsp;</FONT></P>
<P class="ps12"><FONT class="fs143">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps12"><FONT class="fs142">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps12">"15" æîâòíÿ 2015 ð.<FONT class="fs163">                                                             &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 911/4147/15 &nbsp;</FONT></P>
<P><FONT class="fs162">          </FONT></P>
<P class="ps7"><FONT class="fs161">Ãîñïîäàðñüêèé ñóä Êè¿âñüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Ëèëàêà Ò.Ä., ðîçãëÿíóâøè ñïðàâó</FONT></P>
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<TR><TD width="20 %" class="tds11"><P><FONT class="fs160">çà ïîçîâîì </FONT></P></TD><TD width="80 %" class="tds11"><P class="ps16">ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «Ïðèâàòáàíê», &nbsp;&nbsp;&nbsp;&nbsp;ì. Äí³ïðîïåòðîâñüê</P></TD></TR>
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<TR><TD width="20 %" class="tds12"><P><FONT class="fs159">äî </FONT></P></TD><TD width="80 %" class="tds12"><P class="ps16">òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ôóðóä», Êè¿âñüêà îáë., &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Áîðèñï³ëü</P></TD></TR>
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<TR><TD width="20 %" class="tds13"><P><FONT class="fs158">ïðî </FONT></P></TD><TD width="80 %" class="tds13"><P>ñòÿãíåííÿ êîøò³â, </P></TD></TR>
<P class="ps3"><FONT class="fs157">çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
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<TR><TD width="20 %" class="tds15"><P><FONT class="fs156">ïîçèâà÷à:</FONT></P></TD><TD width="80 %" class="tds15"><P class="ps17"><FONT class="fs148">íå çÿâèëèñÿ;</FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="20 %" class="tds16"><P class="ps17"><FONT class="fs155">â³äïîâ³äà÷à:</FONT></P></TD><TD width="80 %" class="tds16"><P class="ps17"><FONT class="fs147">íå çÿâèëèñÿ;</FONT></P></TD></TR>
<P class="ps10"><FONT class="fs154">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps4">Ó âåðåñí³ 2015 ðîêó ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê «Ïðèâàòáàíê» (ïîçèâà÷) çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ &nbsp;ç ïîçîâîì äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ôóðóä» (â³äïîâ³äà÷) ïðî ñòÿãíåííÿ 22&nbsp; 854,78 ãðí. çàáîðãîâàíîñò³, ç ÿêèõ: 9&nbsp; 839,78 ãðí. áîðãó çà êðåäèòîì, &nbsp;5 954,45 ãðí. áîðãó ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 1&nbsp; 241,28 ãðí. áîðãó ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì òà 5&nbsp; 819,27 ãðí. ïåí³.</P>
<P class="ps4">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì ñâî¿õ çîáîâÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 27.09.2013 ðîêó.</P>
<P class="ps4">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 09.09.2015 ðîêó ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî äî ðîçãëÿäó íà 24.09.2015 ðîêó.</P>
<P class="ps4">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 24.09.2015 ðîêó ðîçãëÿä ñïðàâè áóëî â³äêëàäåíî íà 15.10.2015 ðîêó. </P>
<P class="ps9">Ïðåäñòàâíèêè ïîçèâà÷à òà â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 15.10.2015 ðîêó íå çÿâèëèñÿ, ïðî ÷àñ ³ ì³ñöå ñóäîâîãî çàñ³äàííÿ áóëè ïîâ³äîìëåí³ íàëåæíèì ÷èíîì, â³äïîâ³äà÷ â³äçèâ íà ïîçîâ íå íàäàâ.</P>
<P class="ps8">Â³äïîâ³äíî äî ²íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 15 áåðåçíÿ 2010 ðîêó ¹01-08/140 «Ïðî äåÿê³ ïèòàííÿ çàïîá³ãàííÿ çëîâæèâàííþ ïðîöåñóàëüíèìè ïðàâàìè ó ãîñïîäàðñüêîìó ñóäî÷èíñòâ³» îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ¿¿ ðîçãëÿäó ñóäîì, ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íàä³ñëàíî çà ïîøòîâîþ àäðåñîþ, çàçíà÷åíîþ ó ïîçîâí³é çàÿâ³.</P>
<P class="ps4">Çã³äíî ç ïï. 3.9.2 ï. 3.9 ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011 ð. ¹ 18 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿», ó âèïàäêó íåçÿâëåííÿ â çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó ïðåäñòàâíèê³â îáîõ ñòîð³í àáî îäí³º¿ ç íèõ ñïðàâà ìîæå áóòè ðîçãëÿíóòà áåç ¿õ ó÷àñò³, ÿêùî íåÿâêà òàêèõ ïðåäñòàâíèê³â íå ïåðåøêîäæàº âèð³øåííþ ñïîðó.</P>
<P class="ps5">Âðàõîâóþ÷è òå, ùî íåçÿâëåííÿ ïðåäñòàâíèê³â ïîçèâà÷à òà &nbsp;â³äïîâ³äà÷à íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè ïî ñóò³, à ìàòåð³àëè ñïðàâè º äîñòàòí³ìè äëÿ âèð³øåííÿ ñïîðó â äàíîìó ñóäîâîìó çàñ³äàíí³, ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ïîçîâ ó â³äñóòíîñò³ ïðåäñòàâíèê³â ïîçèâà÷à òà &nbsp;â³äïîâ³äà÷à, çà íàÿâíèìè ó ñïðàâ³ ìàòåð³àëàìè çã³äíî ç âèìîãàìè ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps5">Äîñë³äèâøè íàÿâí³ â ìàòåð³àëàõ ñïðàâè äîêàçè, âñåá³÷íî ³ ïîâíî çÿñóâàâøè âñ³ ôàêòè÷í³ äàí³, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îáºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ñóä</P>
<P class="ps14"><FONT class="fs153">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps4">27.09.2013 ðîêó òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ôóðóä» áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps4">Çã³äíî 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 / ²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ 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 «ïåðøî¿» ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäåííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</P>
<P class="ps4">Êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (íàäàë³  êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó (äàë³  ë³ì³ò). Òåõí³êî-åêîíîì³÷íå îá´ðóíòóâàííÿ êðåäèòó  ô³íàíñóâàííÿ ïîòî÷íî¿ ä³ÿëüíîñò³. Ïðî ðîçì³ð ë³ì³òó áàíê ïîâ³äîìëÿº 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). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî. Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè (ï. 3.2.1.1.1. òà ï. 3.2.1.1.3. óìîâ). </P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.1.8. óìîâ, ïðîâåäåííÿ &nbsp;ïëàòåæ³â êë³ºíòà â ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ çãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî «Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» (àáî â ôîðì³ «Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äòèñêó 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  äàë³ «Óãîäà»). Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíèõ «Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã», áàíê íà ñâ³é ðîçñóä, ìàº ïðàâî çì³íèòè óìîâè êðåäèòóâàííÿ âñòàíîâèâ ³íøèé òåðì³í ïîâåðíåííÿ êðåäèòó. Çã³äíî ñò. 212, 651 ÖÊÓ ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü çà êðåäèòîì, áàíê íà ñâ³é ðîçñóä, ïî÷èíàþ÷è ç 91-ãî äíÿ ïîðóøåííÿ áóäü-ÿêîãî ³ç çîáîâÿçàíü ìàº ïðàâî âñòàíîâèòè ³íøèé ñòðîê ïîâåðíåííÿ êðåäèòó. Ïðè öüîìó áàíê íàäñèëàº êë³ºíòó ïîâ³äîìëåííÿ ³ç çàçíà÷åííÿì äàòè òåðì³íó ïîâåðíåííÿ êðåäèòó íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî çà äîïîìîãîþ âñòàíîâëåíèõ çàñîá³â åëåêòðîííîãî çâÿçêó áàíêó ³ êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Ïðè íåïîãàøåíí³ çàáîðãîâàíîñò³ ó òåðì³í, çàçíà÷åíèé ó ïîâ³äîìëåíí³, âñÿ çàáîðãîâàí³ñòü, ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ äàòè, çàçíà÷åíî¿ â ïîâ³äîìëåíí³ ââàæàºòüñÿ ïðîñòðî÷åíîþ.</P>
<P class="ps4">Çã³äíî ï. 3.2.1.2.2.3. óìîâ, êë³ºíò çîáîâÿçóºòüñÿ âèðîáëÿòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå òåðì³íó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, âñòàíîâëåíîãî ï. 3.2.1.1.11. óìîâ, â³äïîâ³äíî äî ÿêîãî òàêèì ïåð³îäîì º ïåð³îä ÷àñó, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó òà ñòàíîâèòü íå á³ëüøå 35 äí³â. </P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.4.1. óìîâ 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="ps4">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³  ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííÿ), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï. 3.2.1.4.1.1. óìîâ).</P>
<P class="ps4">Ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ï. 3.2.1.4.1.2. óìîâ).</P>
<P class="ps4">Çã³äíî ï. 3.2.1.4.1.3. óìîâ, ó ðàç³ 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 ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç ãðîøîâèõ çîáîâÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿì êðåäèòîì â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 3.2.1.4.4. óìîâ, êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó ó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6., 3.2.1.2.3.2., 1-ãî ÷èñëà êîæíîãî ì³ñöÿ â ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàëî íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps4">Ó â³äïîâ³äíîñò³ äî ÷. 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">Ñóä âñòàíîâèâ, ùî ïîçèâà÷ ñâî¿ çîáîâÿçàííÿ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 27.09.2013 ðîêó âèêîíàâ íàëåæíèì ÷èíîì, íà âèêîíàííÿ äîãîâîðó, ïåðåðàõóâàâ íà ðàõóíîê â³äïîâ³äà÷à 10&nbsp; 000,00 ãðí. â ÿêîñò³ ñóìè êðåäèòó, ùî ï³äòâåðäæóºòüñÿ áàíê³âñüêîþ âèïèñêîþ. </P>
<P class="ps4">Ïðîòå, â³äïîâ³äà÷ çàáîðãîâàí³ñòü ïî êðåäèòó íå ïîãàñèâ, ùî ï³äòâåðäæóºòüñÿ áàíê³âñüêîþ âèïèñêîþ, âíàñë³äîê ÷îãî çàáîðãîâàí³ñòü îñòàííüîãî ïåðåä ïîçèâà÷åì çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 27.09.2013 ðîêó ñòàíîì íà ìîìåíò ñóäîâîãî ðîçãëÿäó ñïðàâè 9&nbsp; 839,78 ãðí. áîðãó çà êðåäèòîì, &nbsp;5 954,45 ãðí. áîðãó ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 1&nbsp; 241,28 ãðí. áîðãó ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps1">×àñòèíîþ ïåðøîþ ñò. 173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî ãîñïîäàðñüêèì âèçíàºòüñÿ çîáîâÿçàííÿ, ùî âèíèêàº ì³æ ñóáºêòîì ãîñïîäàðþâàííÿ òà ³íøèì ó÷àñíèêîì (ó÷àñíèêàìè) â³äíîñèí ó ñôåð³ ãîñïîäàðþâàííÿ ç ï³äñòàâ, ïåðåäáà÷åíèõ öèì Êîäåêñîì, â ñèëó ÿêîãî îäèí ñóáºêò (çîáîâÿçàíà ñòîðîíà, ó òîìó ÷èñë³ áîðæíèê) çîáîâÿçàíèé â÷èíèòè ïåâíó ä³þ ãîñïîäàðñüêîãî ÷è óïðàâë³íñüêî-ãîñïîäàðñüêîãî õàðàêòåðó íà êîðèñòü ³íøîãî ñóáºêòà (âèêîíàòè ðîáîòó, ïåðåäàòè ìàéíî, ñïëàòèòè ãðîø³, íàäàòè ³íôîðìàö³þ òîùî), àáî óòðèìàòèñÿ â³ä ïåâíèõ ä³é, à ³íøèé ñóáºêò (óïðàâíåíà ñòîðîíà, ó òîìó ÷èñë³ êðåäèòîð) ìàº ïðàâî âèìàãàòè â³ä çîáîâÿçàíî¿ ñòîðîíè âèêîíàííÿ ¿¿ îáîâÿçêó.</P>
<P class="ps4">Ìàéíîâ³ çîáîâÿçàííÿ, ÿê³ âèíèêàþòü ì³æ ó÷àñíèêàìè ãîñïîäàðñüêèõ â³äíîñèí, ðåãóëþþòüñÿ Öèâ³ëüíèì êîäåêñîì Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì (ï. 1 ÷. 2 ñò. 175 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps4">Çã³äíî ÷.÷. 1, 2 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. Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ö³º¿ ãëàâè, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó. </P>
<P class="ps4">Â³äïîâ³äíî äî ÷. 2 ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</P>
<P class="ps4">ßêùî 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¿. ßêùî ñòðîê (òåðì³í) âèêîíàííÿ áîðæíèêîì îáîâÿçêó íå âñòàíîâëåíèé àáî âèçíà÷åíèé ìîìåíòîì ïðåäÿâëåííÿ âèìîãè, êðåäèòîð ìàº ïðàâî âèìàãàòè éîãî âèêîíàííÿ ó áóäü-ÿêèé ÷àñ. Áîðæíèê ïîâèíåí âèêîíàòè òàêèé îáîâÿçîê ó ñåìèäåííèé ñòðîê â³ä äíÿ ïðåäÿâëåííÿ âèìîãè, ÿêùî îáîâÿçîê íåãàéíîãî âèêîíàííÿ íå âèïëèâàº ³ç äîãîâîðó àáî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà (ñò. 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps4">Ïóíêòîì ïåðøèì ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî 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 ÷. 1 ñò. 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps4">Âðàõîâóþ÷è òå, ùî áîðã â³äïîâ³äà÷à ïåðåä ïîçèâà÷åì íà ÷àñ ïðèéíÿòòÿ ñóäîâîãî ð³øåííÿ íå ïîãàøåíî, ðîçì³ð âêàçàíîãî áîðãó â³äïîâ³äàº ôàêòè÷íèì îáñòàâèíàì ñïðàâè, âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 9&nbsp; 839,78 ãðí. áîðãó çà êðåäèòîì, 5&nbsp; 954,45 ãðí. áîðãó ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 1&nbsp; 241,28 ãðí. áîðãó ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì º îá´ðóíòîâàíèìè, ï³äòâåðäæóþòüñÿ íàÿâíèìè â ìàòåð³àëàõ ñïðàâè äîêàçàìè ³ â³äïîâ³äíî ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps4">Ó â³äïîâ³äíîñò³ äî ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ó ðàç³ ïîðóøåííÿ çîáîâÿçàííÿ íàñòàþòü ïðàâîâ³ &nbsp;íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà ñïëàòà íåóñòîéêè. </P>
<P class="ps4">Çã³äíî ç³ ñò. 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. </P>
<P class="ps4">×àñòèíîþ 2 ñò. 551 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî ÿêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps4">Ñòàòòåþ 536 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî çà êîðèñòóâàííÿ ÷óæèìè ãðîøîâèìè êîøòàìè áîðæíèê çîáîâÿçàíèé ñïëà÷óâàòè ïðîöåíòè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì ì³æ ô³çè÷íèìè îñîáàìè. Ðîçì³ð ïðîöåíò³â çà êîðèñòóâàííÿ ÷óæèìè ãðîøîâèìè êîøòàìè âñòàíîâëþºòüñÿ äîãîâîðîì, çàêîíîì àáî ³íøèì àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps4">Ñòàòòåþ 546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî âèêîíàííÿ çîáîâÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ, çîêðåìà, íåóñòîéêîþ. Îäíèì ³ç âèä³â íåóñòîéêè º ïåíÿ, ÿêà îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</P>
<P class="ps4">Ïðè ïîðóøåíí³ êë³ºíòîì 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÷åíî¿ 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 êîæåí 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 êîæåí äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèò, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð, çàçíà÷åíîìó ó ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè (ï. 3.2.1.5.1. óìîâ).</P>
<P class="ps4">Â³äïîâ³äíî äî ï. 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">Çã³äíî ï. 3.2.1.5.7. óìîâ, òåðì³íè ïîçîâíî¿ äàâíîñò³ ùîäî âèìîãè ïðî ñòÿãíåííÿ êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, âèíàãîðîäè, íåóñòîéêè  ïåí³, øòðàô³â âñòàíîâëþºòüñÿ ñòîðîíàìè òðèâàë³ñòþ 5 ðîê³â.</P>
<P class="ps4">Íà ï³äñòàâ³ âêàçàíèõ íîðì ïðàâà òà âðàõîâóþ÷è, ùî ðîçðàõóíîê ïåí³ çà ïîðóøåííÿ ñòðîêó ñïëàòè êðåäèòó òà ïðîöåíò³â, äîäàíèé äî ïîçîâíî¿ çàÿâè, ÿêèé ïðîâåäåíèé ç óðàõóâàííÿì ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà íà ìîìåíò íàðàõóâàííÿ ïåí³, º â³ðíèì, âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 5&nbsp; 819,27 ãðí. ïåí³ ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps4">Ñóäîâèé çá³ð ó ðîçì³ð³ 1&nbsp; 218,00 ãðí. â³äïîâ³äíî äî ïîëîæåíü ñòàòò³ 49 ÃÏÊ Óêðà¿íè ï³äëÿãàº ñòÿãíåííþ ç â³äïîâ³äà÷à.</P>
<P class="ps4">Çã³äíî ñòàòò³ 4 Çàêîíó Óêðà¿íè «Ïðî ñóäîâèé çá³ð» ñóäîâèé çá³ð ñïðàâëÿºòüñÿ ó â³äïîâ³äíîìó ðîçì³ð³ â³ä ì³í³ìàëüíî¿ çàðîá³òíî¿ ïëàòè ó ì³ñÿ÷íîìó ðîçì³ð³, âñòàíîâëåíî¿ çàêîíîì íà 1 ñ³÷íÿ êàëåíäàðíîãî ðîêó , â ÿêîìó â³äïîâ³äíà çàÿâà àáî ñêàðãà ïîäàºòüñÿ äî ñóäó, - ó â³äñîòêîâîìó ñï³ââ³äíîøåíí³ äî ö³íè ïîçîâó òà ó ô³êñîâàíîìó ðîçì³ð³. </P>
<P class="ps4">Â³äïîâ³äíî äî ñò. 8 Çàêîíó Óêðà¿íè «Ïðî Äåðæàâíèé áþäæåò Óêðà¿íè íà 2015 ð³ê» ñòàíîì íà 1 ñ³÷íÿ 2015 ðîêó ì³í³ìàëüíà çàðîá³òíà ïëàòà ó ì³ñÿ÷íîìó ðîçì³ð³ ñòàíîâèòü 1 218,00 ãðí.</P>
<P class="ps8">Çã³äíî ï. ï. 2 ï. 2 ñò. 4 Çàêîíó Óêðà¿íè «Ïðî ñóäîâèé çá³ð» çà ïîäàííÿ äî ãîñïîäàðñüêîãî ñóäó ïîçîâíî¿ çàÿâè ìàéíîâîãî õàðàêòåðó ñïðàâëÿºòüñÿ ñóäîâèé çá³ð ó ðîçì³ð³ 1,5 â³äñîòêè ö³íè ïîçîâó, àëå íå ìåíøå 1 ðîçì³ðó ì³í³ìàëüíî¿ çàðîá³òíî¿ ïëàòè òà íå á³ëüøå 150 ðîçì³ð³â ì³í³ìàëüíèõ çàðîá³òíèõ ïëàò.</P>
<P class="ps4">Òàêèì ÷èíîì, ðîçì³ð ñóäîâîãî çáîðó çà ðîçãëÿä ïîçîâíèõ çàÿâ ïîäàíèõ ó 2015 ðîö³ â ãîñïîäàðñüêîìó ñóä³ ìàéíîâîãî õàðàêòåðó ñòàíîâèòü íå ìåíøå 1 218,00 ãðí. òà íå á³ëüøå 182&nbsp; 700,00 ãðí. &nbsp;&nbsp;</P>
<P class="ps4">Îñê³ëüêè ïîçèâà÷åì ïðåäÿâëåíî ïîçîâíó âèìîãó ïðî ñòÿãíåííÿ 22&nbsp; 854,78 ãðí. òî ñóäîâèé çá³ð ìàâ áóòè ñïëà÷åíèé â ðîçì³ð³ 1&nbsp; 218,00 ãðí. </P>
<P class="ps4">Ïðîòå, ïîçèâà÷åì ïîäàíå ïëàò³æíå äîðó÷åííÿ ¹ÂÎÊ35Â0Ì73 â³ä 05.08.2015 ðîêó íà ñóìó 1&nbsp; 827,00 ãðí., ç ÿêîãî âáà÷àºòüñÿ, ùî ñóäîâèé çá³ð ñïëà÷åíî â ðîçì³ð³ 1&nbsp; 827,00 ãðí., òîáòî ó á³ëüøîìó ðîçì³ð³ í³æ ïåðåäáà÷åíî çàêîíîì. </P>
<P class="ps4">Ïóíêò 1 ñò. 7 Çàêîíó Óêðà¿íè «Ïðî ñóäîâèé çá³ð» âñòàíîâëþº, ùî ñïëà÷åíà ñóìà ñóäîâîãî çáîðó ïîâåðòàºòüñÿ â ðàç³ âíåñåííÿ ñóäîâîãî çáîðó â á³ëüøîìó ðîçì³ð³, í³æ âñòàíîâëåíî çàêîíîì. </P>
<P class="ps4">Çà òàêèõ îáñòàâèí çàéâî ñïëà÷åíèé ñóäîâèé çá³ð â ñóì³ 609,00 ãðí. ï³äëÿãàº ïîâåðíåííþ ïîçèâà÷ó ç äåðæàâíîãî áþäæåòó, øëÿõîì âèíåñåííÿ â ïîðÿäêó ñò.7 Çàêîíó Óêðà¿íè «Ïðî ñóäîâèé çá³ð» â³äïîâ³äíî¿ óõâàëè.</P>
<P class="ps4">Êåðóþ÷èñü ñò. ñò. 33, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä </P>
<P class="ps14"><FONT class="fs152">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps4">Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps4">Ï³ñëÿ âñòóïó ð³øåííÿ â çàêîííó ñèëó âèäàòè íàêàç.</P>
<P class="ps4">Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè â³äïîâ³äíî äî âèìîã ñò. 85 ÃÏÊ Óêðà¿íè.</P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïîâíå ð³øåííÿ ñêëàäåíî: 20.10.2015 ð.</P>
<P><FONT class="fs151">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;                                                  Ò.Ä. Ëèëàê</FONT></P>
<P><FONT class="fs99"> </FONT></P>