<TITLE>905/2566/15</TITLE>
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<P class="ps15"><FONT class="fs217"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps12">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs136">&nbsp;</FONT></P>
<P class="ps12"><FONT class="fs135">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps12"><FONT class="fs134">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps2"> 18.01.2016                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 ¹ 905/2566/15                               </P>
<P class="ps1">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³ ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ <FONT class="fs133">Äåì³äîâî¿&nbsp; &nbsp;&nbsp;Ï.Â., ñóää³â Áîêîâî¿ Þ.Â., Ãîâîðóíà Î.Â.</FONT></P>
<P class="ps1">Ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ìàçóð³ê Ì.Â.</P>
<P class="ps14">Ðîçãëÿíóâ ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ñïðàâó</P>
<P class="ps5"><FONT class="fs132">çà ïîçîâîì: </FONT>Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà ÀÊÖÅÍÒ-ÁÀÍÊ, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì.&nbsp; Äí³ïðîïåòðîâñüê</P>
<P class="ps5"><FONT class="fs131">äî â³äïîâ³äà÷à: </FONT>Ïðèâàòíîãî ï³äïðèºìñòâà «Ô³ðìà Åëë³» ì. Ìàð³óïîëü Äîíåöüêî¿ îáëàñò³</P>
<P class="ps5"><FONT class="fs130">ïðî</FONT> ñòÿãíåííÿ çàáîðãîâàíîñò³ çà äîãîâîðîì á/í â³ä 15.12.2011 ðîêó â ðîçì³ð³ 38&nbsp; 821, 88 ãðí. </P>
<P class="ps2"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps2">Çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</P>
<P class="ps2">Â³ä ïîçèâà÷à: Æåëåçíÿêîâà - çà äîâ³ðåí³ñòþ ¹2628-Ê-Í-Î â³ä 22.06.2015ð.;</P>
<P class="ps2">Â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ. </P>
<P class="ps2"> &nbsp;&nbsp;&nbsp;                                                                                Ñóä ïåðåáóâàâ â íàðàä÷³é ê³ìíàò³ &nbsp;                                                                                &nbsp;                    18.01.2016ð. ç 12.31 ãîä. ïî 12.34 ãîä.</P>
<P class="ps4"><FONT class="fs120">Ñóòü ñïðàâè:</FONT></P>
<P class="ps5">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî ÀÊÖÅÍÒ-ÁÀÍÊ, ì. Äí³ïðîïåòðîâñüê çâåðíóëîñü äî ãîñïîäàðñüêîãî ñóäó Äîíåöüêî¿ îáëàñò³ ç ïîçîâîì äî Ïðèâàòíîãî ï³äïðèºìñòâà «Ô³ðìà Åëë³» ì. Ìàð³óïîëü Äîíåöüêî¿ îáëàñò³ ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà äîãîâîðîì á/í â³ä 15.12.2011 ðîêó â ðîçì³ð³ 38&nbsp; 821, 88 ãðí.</P>
<P class="ps5">Â îá´ðóíòóâàííÿ çàÿâëåíèõ âèìîã ïîçèâà÷ ïîñèëàºòüñÿ íà íåâèêîíàííÿ â³äïîâ³äà÷åì çîáîâ'ÿçàíü ç ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ íèìè òà êîì³ñ³éíî¿ âèíàãîðîäè, ó çâÿçêó ç ÷èì íàðàõîâóº äî ñòÿãíåííÿ øòðàôí³ ñàíêö³¿.</P>
<P class="ps3">Óõâàëîþ ñóäó â³ä 07.10.2015ð. çà âêàçàíèì ïîçîâîì ïîðóøåíî ïðîâàäæåííÿ ïî ñïðàâ³ ¹905/2566/15.</P>
<P class="ps5">Âðàõîâóþ÷è ÷àñòêîâå íåâèêîíàííÿ ñòîðîíàìè âèìîã óõâàëè ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ òà íåíàäàííÿ ïîçèâà÷åì âèòðåáóâàíèõ äîêóìåíò³â ó ïîâíîìó îáñÿç³ çã³äíî ç³ ñò. 77 ÃÏÊ Óêðà¿íè ñóäîâå çàñ³äàííÿ â³äêëàäàëîñü.</P>
<P class="ps6">Â ñóäîâîìó çàñ³äàíí³ 18.01.2016 ðîêó ïðåäñòàâíèê ïîçèâà÷à ï³äòðèìàâ ïîçîâí³ âèìîãè â ïîâíîìó îáñÿç³. Â³äïîâ³äà÷ â æîäíå ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ. </P>
<P class="ps3">Ïåðåä ïî÷àòêîì ðîçãëÿäó ñïðàâè ïî ñóò³ ïðåäñòàâíèêà ïîçèâà÷à áóëî îçíàéîìëåíî ç ïðàâàìè òà îáîâÿçêàìè, ïåðåäáà÷åíèìè ñò.22 ÃÏÊ Óêðà¿íè. </P>
<P class="ps8"> &nbsp;</P>
<P class="ps7">Çà çì³ñòîì ÷.3 ï.3.9.1 ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011ð. Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿, 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="ps5">Âðàõîâóþ÷è âèùåâèêëàäåíå òà áåðó÷è äî óâàãè íàä³ñëàííÿ ïðîöåñóàëüíèõ äîêóìåíò³â íà àäðåñó äåðæàâíî¿ ðåºñòðàö³¿ â³äïîâ³äà÷à, ñóä ðîáèòü âèñíîâîê ïðî íàëåæíå âèêîíàííÿ îáîâÿçêó éîãî ïîâ³äîìèòè ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè ¹905/2566/15.</P>
<P class="ps2">          Çà çì³ñòîì ïðàâîâî¿ ïîçèö³¿ Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè, âèêëàäåíî¿ â ï.3.9.2 ïîñòàíîâè ¹18 â³ä 26.12.2011ð. "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. Ïðè öüîìó íåÿâêà ó ñóäîâå çàñ³äàííÿ îäí³º¿ ç ñòîð³í, íàëåæíèì ÷èíîì ïîâ³äîìëåíî¿ ïðî ÷àñ ³ ì³ñöå öüîãî çàñ³äàííÿ, íå ïåðåøêîäæàº òàêîìó ïåðåõîäîâ³ äî ðîçãëÿäó ïîçîâíèõ âèìîã, ÿêùî ó ãîñïîäàðñüêîãî ñóäó â³äñóòí³ ï³äñòàâè äëÿ â³äêëàäåííÿ ðîçãëÿäó ñïðàâè, ïåðåäáà÷åí³ ÷àñòèíîþ ïåðøîþ ñòàòò³ 77 ÃÏÊ Óêðà¿íè (ï.3.12 ïîñòàíîâè).</P>
<P class="ps3">Îñê³ëüêè ó ìàòåð³àëàõ ñïðàâè äîñòàòíüî äîêóìåíò³â, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ñïîðó, ñïðàâà ðîçãëÿäàºòüñÿ â³äïîâ³äíî äî ñò.75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè áåç ÿâêè â³äïîâ³äà÷à &nbsp;çà íàÿâíèìè â í³é ìàòåð³àëàìè.</P>
<P class="ps6">Ñóäîì, â³äïîâ³äíî äî âèìîã ñò.81-1 ÃÏÊ Óêðà¿íè, ñêëàäåíî ïðîòîêîë, ÿêèé äîëó÷åíî äî ìàòåð³àë³â ñïðàâè. &nbsp;</P>
<P class="ps3">Ó â³äïîâ³äíîñò³ äî ï.ï.2, 3, 4 ÷.2 ñò.129 Êîíñòèòóö³¿ Óêðà¿íè, ñò.ñò.4<FONT class="fs212">2</FONT>,4<FONT class="fs211">3</FONT> ÃÏÊ, ñò.33 ÃÏÊ Óêðà¿íè îñíîâíèìè çàñàäàìè ñóäî÷èíñòâà º ð³âí³ñòü óñ³õ ó÷àñíèê³â ñóäîâîãî ïðîöåñó ïåðåä çàêîíîì òà ñóäîì, çìàãàëüí³ñòü ñòîð³í òà ñâîáîäà â íàäàíí³ íèìè ñóäó ñâî¿õ äîêàç³â ³ ó äîâåäåíí³ ïåðåä ñóäîì ¿õ ïåðåêîíëèâîñò³. </P>
<P class="ps3">Â³äïîâ³äíî äî ñò.34 ÃÏÊ Óêðà¿íè ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. Çà ïðèïèñàìè ñò.43 ÃÏÊ Óêðà¿íè ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó òà îáºêòèâíîìó ðîçãëÿä³ ó ñóäîâîìó ïðîöåñ³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì.</P>
<P class="ps8">Äîñë³äèâøè ìàòåð³àëè ñïðàâè òà çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ãîñïîäàðñüêèé ñóä </P>
<P class="ps3"><FONT class="fs119">Âñòàíîâèâ:</FONT></P>
<P class="ps3">15 ãðóäíÿ 2012ð. ì³æ Ïðèâàòíèì ï³äïðèºìñòâîì «Ô³ðìà Åëë³» (äàë³ - êë³ºíò) òà Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì ÀÊÖÅÍÒ-ÁÀÍÊ (äàë³  áàíê àáî ïîçèâà÷) áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêó ïå÷àòêè, çà çì³ñòîì ÿêî¿ êë³ºíò ïðîñèòü áàíê â³äêðèòè ïîòî÷íèé òà êàðòêîâèé ðàõóíêè. Ïðè öüîìó â ðàç³ â³äñóòíîñò³ àáî íåäîñòàòíîñò³ êîøò³â íà ðàõóíêó êë³ºíòà (â ðàç³ ïåðåâèùåííÿ ñóìè ïëàòåæó íàä çàëèøêàìè âëàñíèõ êîøò³â), áàíê ìîæå âñòàíîâèòè êë³ºíòó íà ðàõóíîê êðåäèòíèé ë³ì³ò: áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó êë³ºíòà çà ðàõóíîê êðåäèòíèõ êîøò³â ³ â ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòà íà âëàñíèé ðîçñóä àáî â ïèñüìîâ³é ôîðì³, àáî âñòàíîâëåíèìè çàñîáàìè åëåêòðîííîãî çâÿçêó áàíêà òà êë³ºíòà. Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ðó ïðîöåíòíî¿ ñòàâêè çà âèêîðèñòàííÿ êðåäèòíîãî ë³ì³òó ðåãëàìåíòóºòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà Òàðèôàìè áàíêó, ÿê³ ðîçì³ùåí³ íà ñàéò³ www.a-bank.com.ua, ÿê³ ðàçîì ç ö³ºþ àíêåòîþ (çàÿâîþ) ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </P>
<P class="ps3">Çä³éñíåííÿ ïëàòåæ³â êë³ºíòà â ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó ïðîâàäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çîêðåìà, â ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêó ïå÷àòêè (ï.3.11.1.8). </P>
<P class="ps3">Ïóíêòîì 3.11.2.2 âèçíà÷åíèé ïåðåë³ê îáîâÿçê³â êë³ºíòà, ñåðåä ÿêèõ  ñïëàòèòè ïðîöåíòè çà âåñü ÷àñ êîðèñòóâàííÿ êðåäèòîì (ï.ï.3.11.2.2.2), çä³éñíþâàòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå ñòðîêó çàâåðøåííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì  ïåð³îä ÷àñó íå á³ëüøå 35 äí³â, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó (ï.ï.3.11.2.2.3, 3.11.1.11).</P>
<P class="ps3">Çà çì³ñòîì ï.3.11.2.2.8, êë³ºíò äîðó÷àº áàíêó ñïèñóâàòè ãðîøîâ³ êîøòè ç³ âñ³õ ñâî¿õ ïîòî÷íèõ ðàõóíê³â, â³äêðèòèõ ÿê íà ìîìåíò ïî÷àòêó îáñëóãîâóâàííÿ áàíêîì ë³ì³òó êë³ºíòà, òàê ³ â³äêðèòèõ ï³ñëÿ öüîãî, â âàëþò³ êðåäèòó äëÿ âèêîíàííÿ çîáîâ'ÿçàíü ç ïîãàøåííÿ êðåäèòó òà â³äñîòê³â çà éîãî êîðèñòóâàííÿ. Â³äïîâ³äíî äî ï³äïóíêòó 4 ï.3.11.2.1.4 çà ðàõóíîê ãðîøîâèõ êîøò³â, ÿê³ íàä³éøëè íà ïîòî÷íèé ðàõóíîê êë³ºíòà, â ïåðøó ÷åðãó çä³éñíþºòüñÿ ïîãàøåííÿ çàáîðãîâàíîñò³ çà â³äñîòêàìè, ðîçðàõîâàíèìè â³äïîâ³äíî äî ï.ï.3.11.4.1, 3.11.4.2, çã³äíî ç ÿêèìè çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ &nbsp;êë³ºíò ñïëà÷óº áàíêó â³äñîòêè, âèõîäÿ÷è &nbsp;ç â³äñîòêîâî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ñòàâêà).</P>
<P class="ps3">Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â âñòàíîâëåíèé ï.ï.3.11.4.1.1-3.11.4.2 Óìîâ îáñëóãîâóâàííÿ êðåäèòíèõ ë³ì³ò³â íà ïîòî÷íèõ ðàõóíêàõ êîðïîðàòèâíèõ êë³ºíò³â. Òàê, çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî &nbsp;â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíî¿ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ïðè íåîáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24% ð³÷íèõ, ïî÷èíàþ÷è &nbsp;ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ. Â ðàç³ íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ &nbsp;ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. </P>
<P class="ps3">Çã³äíî ç ï.3.11.4.4, êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï.3.11.1.6, 3.11.2.3.2 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps3">Çà óìîâàìè ï.3.11.4.1.3, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü êë³ºíò ñïëà÷óº áàíêó ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </P>
<P class="ps3">Â³äïîâ³äíî äî ï.3.11.5.1, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî çîáîâ'ÿçàííÿ ç³ ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ñòðîê³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîäè, êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, â % ð³÷íèõ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. Ïðè öüîìó, íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíèé ï.3.11.5.1-3.11.5.3 çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì (ï.3.11.5.4 Óìîâ òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã).</P>
<P class="ps3">Íàäàâøè ïðàâîâó êâàë³ô³êàö³þ â³äíîñèíàì, ùî ñêëàëèñü ì³æ ñòîðîíàìè, ñóä ðîáèòü âèñíîâîê, ùî âîíè ïîâÿçàí³ ç îâåðäðàôòîâèì êðåäèòóâàííÿì ðàõóíêó â³äïîâ³äà÷à òà ï³äïàäàþòü ï³ä ïðàâîâå ðåãóëþâàííÿ íîðì §2 ãëàâè 71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³  ÖÊ Óêðà¿íè) òà &nbsp;ñò.345-346 &nbsp;ÃÊ Óêðà¿íè. </P>
<P class="ps3">Â³äïîâ³äíî äî ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³  ÃÊ Óêðà¿íè), ñò.ñò.&nbsp; &nbsp;&nbsp;&nbsp;525, 526 ÖÊ 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. Íå äîïóñêàºòüñÿ îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâÿçàíü, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì.</P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, â³äïîâ³äíî äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã íà ï³äñòàâ³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêó ïå÷àòêè ïîçèâà÷åì çä³éñíþâàëîñü êðåäèòóâàííÿ ðàõóíêó â³äïîâ³äà÷à. Ïðîòå, ïî÷èíàþ÷è ç &nbsp;03.01.2014 ðîêó &nbsp;äåáåòîâå ñàëüäî íà âêàçàíîìó ðàõóíêó êë³ºíòîì îáíóëåíî íå áóëî.</P>
<P class="ps3">ßê çàçíà÷àº ïîçèâà÷, ñòàíîì íà 31.08.2015 ðîêó &nbsp;ó êë³ºíòà íàÿâíà çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 16&nbsp; 000,00 ãðí., çàáîðãîâàí³ñòü çà â³äñîòêàìè â ñóì³ 10&nbsp; 238,73 ãðí., çàáîðãîâàíîñò³ çà êîì³ñ³ºþ â ñóì³ 2&nbsp; 159,50 ãðí. Íà âèìîãó ñóäó ïîçèâà÷åì äî ìàòåð³àë³â ñïðàâè ¹905/2566/15 íàäàí³ äîêóìåíòè ïåðâèííîãî áóõãàëòåðñüêîãî îáë³êó (âèïèñêè ç â³äïîâ³äíèõ ðàõóíê³â äðóãîãî êëàñó Ïëàíó ðàõóíê³â áóõãàëòåðñüêîãî îáë³êó áàíê³â Óêðà¿íè), ÿê³ â³äïîâ³äíî äî ñò.ñò.1, 9 Çàêîíó Óêðà¿íè Ïðî áóõãàëòåðñüêèé îáë³ê òà ô³íàíñîâó çâ³òí³ñòü â Óêðà¿í³ ï³äòâåðäæóþòü íàÿâí³ñòü ó â³äïîâ³äà÷à çàáîðãîâàíîñò³ ó âèùåâêàçàíèõ ñóìàõ.</P>
<P class="ps3">Îòæå, áåðó÷è äî óâàãè, ùî ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì â ñóì³ 16&nbsp; 000,00 ãðí., çàáîðãîâàíîñò³ çà â³äñîòêàìè â ñóì³ 10&nbsp; 238,73 ãðí., çàáîðãîâàíîñò³ çà êîì³ñ³ºþ â ñóì³ 2&nbsp; 159,50 &nbsp;ãðí. º ïðàâîì³ðíèìè òà äîâåäåí³ íàëåæíèì ÷èíîì, âîíè ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò.ñò. 611, 612 ÖÊ Óêðà¿íè, ó ðàç³ ïîðóøåííÿ çîáîâÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì. Áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ âèêîíàííÿ çîáîâÿçàííÿ, ÿêùî â³í íå ïðèñòóïèâ äî éîãî âèêîíàííÿ àáî íå âèêîíàâ ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps3">Îñîáëèâîñò³ ðåãóëþâàííÿ â³äïîâ³äàëüíîñò³ çà ïîðóøåííÿ ãðîøîâèõ çîáîâÿçàíü ó â³äíîñèíàõ ñóáºêò³â ãîñïîäàðþâàííÿ âèçíà÷àþòüñÿ ïðèïèñàìè ñòàòåé 534, 549-552 ÖÊ Óêðà¿íè, ñòàòåé 229-234 ÃÊ Óêðà¿íè òà ñòàòåé Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü.</P>
<P class="ps3">Ïîçèâà÷åì íà ï³äñòàâ³ Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã íàðàõîâàíî äî ñòÿãíåííÿ ïåíþ çà ïðîñòðî÷åííÿ ãðîøîâèõ çîáîâ'ÿçàíü çàãàëüíîþ ñóìîþ 10&nbsp; 423,65 ãðí.</P>
<P class="ps3">Çà çì³ñòîì ïîçîâíî¿ çàÿâè âáà÷àºòüñÿ, ùî ïîçèâà÷ ïðîñèòü ñòÿãíóòè ïåíþ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì. Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâîìó çàñ³äàíí³ 02.12.2015 ðîêó íàäàâ ðîçðàõóíîê ïåí³: íà ò³ëî êðåäèòó (çà ïåð³îä ç 14.01.2014ð. ïî 13.04.2014ð.) â ñóì³ 577,75 ãðí., íà â³äñîòêè ç³ ñïëàòè êðåäèòó (çà ïåð³îä ç 14.01.2014ð. ïî 13.04.2014ð.) â ñóì³ 52,89 ãðí., íà êîì³ñ³þ (çà ïåð³îä ç 21.03.2013ð. ïî 13.04.2014ð.) â ñóì³ 18,70 ãðí.</P>
<P class="ps3">Ñóä, ïåðåâ³ðèâøè àðèôìåòè÷íèé ðîçðàõóíîê çàÿâëåíî¿ äî ñòÿãíåííÿ ïåí³, íàðàõîâàíî¿, íà ò³ëî êðåäèòó (çà ïåð³îä ç 14.01.2014ð. ïî 13.04.2014ð.) â ñóì³ 577,75 ãðí., íà â³äñîòêè ç³ ñïëàòè êðåäèòó (çà ïåð³îä ç 14.01.2014ð. ïî 13.04.2014ð.) â ñóì³ 52,89 ãðí., íà êîì³ñ³þ (çà ïåð³îä ç 21.03.2013ð. ïî 13.04.2014ð.) â ñóì³ 18,70 ãðí. ä³éøîâ âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâó â ö³é ÷àñòèí³.</P>
<P class="ps3">Ïðè â³äìîâ³ â çàäîâîëåí³ ïîçîâó â ÷àñòèí³ ñòÿãíåííÿ ïåí³, íàðàõîâàíî¿ ï³ñëÿ 14.04.2014 ðîêó ñóä âèõîäèòü ç íàñòóïíîãî. &nbsp;Óêàçîì Ïðåçèäåíòà Óêðà¿íè â³ä 14 êâ³òíÿ 2014 ðîêó&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs138">¹ 405/2014</FONT>&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;"Ïðî ð³øåííÿ Ðàäè íàö³îíàëüíî¿ áåçïåêè ³ îáîðîíè Óêðà¿íè â³ä 13 êâ³òíÿ 2014 ðîêó "Ïðî íåâ³äêëàäí³ çàõîäè ùîäî ïîäîëàííÿ òåðîðèñòè÷íî¿ çàãðîçè ³ çáåðåæåííÿ òåðèòîð³àëüíî¿ ö³ë³ñíîñò³ Óêðà¿íè çàïðîâàäæåíî àíòèòåðîðèñòè÷íó îïåðàö³þ íà òåðèòîð³¿ Óêðà¿íè. Çàêîíîì Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ âèçíà÷åíèé ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ - ÷àñ ì³æ äàòîþ íàáðàííÿ ÷èííîñò³ çàçíà÷åíèì &nbsp;Óêàçîì Ïðåçèäåíòà Óêðà¿íè&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;òà äàòîþ íàáðàííÿ ÷èííîñò³ Óêàçîì Ïðåçèäåíòà Óêðà¿íè ïðî çàâåðøåííÿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ àáî â³éñüêîâèõ ä³é íà òåðèòîð³¿ Óêðà¿íè. Íà ÷àñ ðîçãëÿäó ñïðàâè àíòèòåðîðèñòè÷íà îïåðàö³ÿ òðèâàº.</P>
<P class="ps11"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çã³äíî Çàêîíó Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ âèçíà÷åí³ çàõîäè äëÿ çàáåçïå÷åííÿ ï³äòðèìêè ñóáºêò³â ãîñïîäàðþâàííÿ, ùî çä³éñíþþòü ä³ÿëüí³ñòü íà òåðèòîð³¿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, à ñàìå íàêëàäåíî ìîðàòîð³é íà &nbsp;íàðàõóâàííÿ ïåí³ òà øòðàô³â íà îñíîâíó ñóìó çàáîðãîâàíîñò³ çà êðåäèòíèìè çîáîâÿçàííÿìè, íà ïðîâåäåííÿ ïåðåâ³ðîê îðãàíàìè ³ ïîñàäîâèìè îñîáàìè, óïîâíîâàæåíèìè çàêîíàìè çä³éñíþâàòè äåðæàâíèé íàãëÿä (êîíòðîëü) ó ñôåð³ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íà ïðèìóñîâó ðåàë³çàö³þ ïðåäìåò³â ³ïîòåêè, îñîáëèâèé ïîðÿäîê ïåðåðåºñòðàö³¿ ñóáºêò³â, òîùî. Òàêèì ÷èíîì, Äåðæàâà ãàðàíòóâàëà âèçíà÷åíèì âèùå ñóáºêòàì ï³ëüãîâ³ &nbsp;óìîâè âèêîíàííÿ çîáîâÿçàíü, ïîâÿçàí³ ³ç çâ³ëüíåííÿì â³ä â³äïîâ³äàëüíîñò³ çà ïîðóøåííÿ çîáîâÿçàíü, âèçíà÷åíèõ çàêîíîì.</P>
<P class="ps3">2 ãðóäíÿ 2015, íà âèêîíàííÿ âèìîã çàçíà÷åíîãî Çàêîíó, ðîçïîðÿäæåííÿì Êàá³íåò Ì³í³ñòð³â Óêðà¿íè&nbsp; &nbsp;¹ 1275-ð çàòâåðäæåíî Ïåðåë³ê íàñåëåíèõ ïóíêò³â, íà òåðèòîð³¿ ÿêèõ çä³éñíþâàëàñü àíòèòåðîðèñòè÷íà îïåðàö³ÿ. Äî çàçíà÷åíîãî ïåðåë³êó óâ³éøëî ì³ñòî Ìàð³óïîëü. </P>
<P class="ps0"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çã³äíî âèòÿãó ç ªÄÐÞÔÎÏ &nbsp;ì³ñöåì ðåºñòðàö³¿ òà ì³ñöåì çíàõîäæåííÿ â³äïîâ³äà÷à º ì³ñòî Ìàð³óïîëü. ²íôîðìàö³¿ ùîäî çì³íè ì³ñöåçíàõîäæåííÿ òà ïðîâåäåííÿ ï³äïðèºìíèöüêî¿ ä³ÿëüíîñò³ â³äïîâ³äà÷åì &nbsp;â ³íøîìó ì³ñö³ &nbsp;ñóäó íå íàäàíî.</P>
<P class="ps10"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Âðàõîâóþ÷è âèêëàäåíå, &nbsp;Ðîçïîðÿäæåííÿ ÊÌÓ Óêðà¿íè â³ä 2 ãðóäíÿ 2015 ¹ 1275-ð, Çàêîí Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, ñóä &nbsp;â³äìîâëÿº â çàäîâîëåí³ âèìîã ùîäî ñòÿãíåííÿ ïåí³, íàðàõîâàíî¿ â ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ &nbsp;( ç 14.04.2014 ðîêó ïî òåïåð³øí³é ÷àñ). </P>
<P class="ps3">Â³äïîâ³äíî äî ñò.49 ÃÏÊ Óêðà¿íè, ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà ñòîð³í ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ âèìîã.</P>
<P class="ps6">Âðàõîâóþ÷è âèêëàäåíå òà êåðóþ÷èñü ñò.129 Êîíñòèòóö³¿ Óêðà¿íè, ñò.ñò. 525, 526, 611, 612, §2 Ãëàâè 71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò.4 Çàêîíîì Óêðà¿íè Ïðî ñóäîâèé çá³ð, Çàêîíîì Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, Çàêîíîì Óêðà¿íè Ïðî &nbsp;áîðîòüáó ç òåðîðèçìîì, ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ñò.ñò.1, 9 Çàêîíó Óêðà¿íè  Ïðî áóõãàëòåðñüêèé îáë³ê òà ô³íàíñîâó çâ³òí³ñòü â Óêðà¿í³ , ñò.ñò.1, 4, 21-22, 28, 33-34, 43, 44, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps12"><FONT class="fs129">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5">Ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà ÀÊÖÅÍÒ-ÁÀÍÊ, ì. Äí³ïðîïåòðîâñüê äî Ïðèâàòíîãî ï³äïðèºìñòâà «Ô³ðìà Åëë³» ì. Ìàð³óïîëü, Äîíåöüêî¿ îáëàñò³ ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà äîãîâîðîì á/í â³ä 15.12.2011 ðîêó â ðîçì³ð³ 38&nbsp; 821, 88 ãðí. - çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps5">Â çàäîâîëåíí³ ðåøòè ïîçîâíèõ âèìîã  â³äìîâèòè.</P>
<P class="ps5">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps9"> &nbsp;          Ó ñóäîâîìó çàñ³äàíí³ 18.01.2016ð. îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ. Ïîâíèé òåêñò ð³øåííÿ çà ïðàâèëàìè ñò.ñò.84-85 ÃÏÊ Óêðà¿íè ï³äïèñàíî -25.01.2016ð.</P>
<P class="ps2">          </P>
<P class="ps2"><FONT class="fs128"> 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ï.Â. Äåì³äîâà</FONT><FONT class="fs215"> </FONT></P>
<P class="ps2"><FONT class="fs214">          </FONT></P>
<P class="ps2"><FONT class="fs127"> &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Þ.Â. Áîêîâà<BR>
<P class="ps2"><FONT class="fs126"> </FONT></P>
<P class="ps2"><FONT class="fs125"> </FONT><FONT class="fs124">&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Î.Â. Ãîâîðóí<BR>
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<P class="ps2"><FONT class="fs122"> </FONT>&nbsp;          </P>
<P class="ps2">          </P>