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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps21"><FONT class="fs246"> &nbsp;</FONT><FONT class="fs244"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps12"><FONT class="fs157">Ð²ØÅÍÍß</FONT></P>
<P class="ps12"><FONT class="fs156">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="13 %" class="tds9"><P><FONT class="fs171">Çà ïîçîâîì</FONT></P></TD><TD width="87 %" class="tds9"><P class="ps2"><FONT class="fs237">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «ÏðèâàòÁàíê»</FONT></P></TD></TR>
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<TR><TD width="13 %" class="tds10"><P class="ps18"><FONT class="fs170">äî</FONT></P></TD><TD width="87 %" class="tds10"><P class="ps2"><FONT class="fs236">Ïðèâàòíîãî àêö³îíåðíîãî òîâàðèñòâà «Ñòðàõîâà êîìïàí³ÿ «Îð³àíà»</FONT></P></TD></TR>
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<TR><TD width="13 %" class="tds11"><P class="ps18"><FONT class="fs169">ïðî</FONT></P></TD><TD width="87 %" class="tds11"><P><FONT class="fs235">ñòÿãíåííÿ 18&nbsp; &nbsp;107,67 ãðí.</FONT></P></TD></TR>
<P class="ps20"><FONT class="fs168">Ñóääÿ Áîñèé Â.Ï.</FONT></P>
<P class="ps6"><FONT class="fs167">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="20 %" class="tds14"><P><FONT class="fs166">â³ä ïîçèâà÷à:</FONT></P></TD><TD width="80 %" class="tds14"><P class="ps18"><FONT class="fs234">íå çÿâèâñÿ</FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="20 %" class="tds15"><P class="ps18"><FONT class="fs165">â³ä â³äïîâ³äà÷à:</FONT></P></TD><TD width="80 %" class="tds15"><P class="ps18"><FONT class="fs233">íå çÿâèâñÿ</FONT></P></TD></TR>
<P class="ps12"><FONT class="fs164">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps9"><FONT class="fs232">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê «ÏðèâàòÁàíê» (íàäàë³  «Áàíê») çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî Ïðèâàòíîãî àêö³îíåðíîãî òîâàðèñòâà «Ñòðàõîâà êîìïàí³ÿ «Îð³àíà» (íàäàë³  «Òîâàðèñòâî») ïðî ñòÿãíåííÿ 18&nbsp; &nbsp;107,67 ãðí.</FONT></P>
<P class="ps9"><FONT class="fs231">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ òèì, ùî â³äïîâ³äà÷ íå âèêîíàâ íàëåæíèì ÷èíîì âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 16.11.2012 ð. ç ïîâåðíåííÿ êðåäèòó, âíàñë³äîê ÷îãî ó â³äïîâ³äà÷à óòâîðèëàñü çàáîðãîâàí³ñòü ïåðåä ïîçèâà÷åì ó ðîçì³ð³ 8&nbsp; &nbsp;265,39 ãðí. Êð³ì òîãî, ïîçèâà÷åì çàÿâëåíî âèìîãó ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà íàðàõîâàíèìè òà íåñïëà÷åíèìè â ñòðîê ïðîöåíòàìè ó ðîçì³ð³ 7&nbsp; &nbsp;982,53 ãðí. òà êîì³ñ³¿ ó ðîçì³ð³ 1&nbsp; &nbsp;859,75 ãðí.</FONT></P>
<P class="ps9"><FONT class="fs230">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 29.12.2015 ð. ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî ¿¿ äî ðîçãëÿäó íà 03.02.2016 ð.</FONT></P>
<P class="ps9"><FONT class="fs229">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 03.02.2016 ð. ðîçãëÿä ñïðàâè â³äêëàäåíî íà 22.02.2016 ð. ó çâÿçêó ç íåÿâêîþ ïðåäñòàâíèêà â³äïîâ³äà÷à òà íåïîäàííÿì âèòðåáóâàíèõ äîêàç³â.</FONT></P>
<P class="ps9"><FONT class="fs228">Â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê ïîçèâà÷à íå çÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, à éîãî ïîÿñíåííÿ ñòîñîâíî ñóò³ ñïîðó áóëè çàñëóõàí³ ñóäîì â ïîïåðåäíüîìó ñóäîâîìó çàñ³äàíí³.</FONT></P>
<P class="ps9"><FONT class="fs227">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, âèìîãè óõâàëè ñóäó íå âèêîíàâ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, ùî ï³äòâåðäæóºòüñÿ â³äì³òêàìè íà çâîðîò³ óõâàëè ñóäó.</FONT></P>
<P class="ps8"><FONT class="fs225">Çã³äíî ³ç àáç. 3 ï. 3.9.1 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011&nbsp; &nbsp;ð. ¹18 «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 - 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.</FONT></P>
<P class="ps7"><FONT class="fs224">Òàêèì ÷èíîì, ñóä ïðèõîäèòü äî âèñíîâêó, ùî â³äïîâ³äà÷ ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ñóäîâîãî ðîçãëÿäó íàëåæíèì ÷èíîì, à ìàòåð³àëè ñïðàâè ì³ñòÿòü äîñòàòí³ äîêàçè äëÿ ¿¿ ðîçãëÿäó ïî ñóò³. </FONT></P>
<P class="ps7"><FONT class="fs223">Îñê³ëüêè ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ â³äïîâ³äà÷ áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, íà ï³äñòàâ³ ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñïðàâà ìîæå áóòè ðîçãëÿíóòà çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps9"><FONT class="fs222">Â ñóäîâîìó çàñ³äàíí³ ñóäîì îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps9"><FONT class="fs221">Ó ñóäîâèõ çàñ³äàííÿõ ñêëàäàëèñÿ ïðîòîêîëè çã³äíî ñòàòò³ 81-1 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps9"><FONT class="fs220">Ðîçãëÿíóâøè ïîäàí³ äîêóìåíòè ³ ìàòåð³àëè, âñåá³÷íî ³ ïîâíî ç'ÿñóâàâøè ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îá'ºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, -</FONT></P>
<P class="ps12"><FONT class="fs163">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps9"><FONT class="fs219">16.11.2012 ð. Òîâàðèñòâî çâåðíóëîñÿ äî Áàíêó ç çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, ó ðîçä³ë³ 1 (â³äêðèòòÿ ðàõóíêó) ÿêî¿ çàçíà÷åíî, ùî ï³äïèñàâøè äàíó çàÿâó, êë³ºíò ïîãîäæóºòüñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³, ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ çà ðîçðàõóíêîâèìè êàðòêàìè (ùî ðîçì³ùåí³ íà ñàéò³ áàíêó http:// privatbank.ua), òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç ö³ºþ çàÿâîþ òà êàðòêîþ ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêàìè ïå÷àòêè ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </FONT></P>
<P class="ps9"><FONT class="fs218">Â³äïîâ³äíî äî ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 173 Ãîñïîäàðñüêîãî 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="ps9"><FONT class="fs217">Çà ïðèïèñàìè ñò.ñò. 11, 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ âèíèêàþòü, çîêðåìà, ç äîãîâîðó.</FONT></P>
<P class="ps9"><FONT class="fs216">Çã³äíî ³ç ñò.ñò. 6, 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³.</FONT></P>
<P class="ps9"><FONT class="fs215">Â³äïîâ³äíî äî ÷. 1 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.</FONT></P>
<P class="ps9"><FONT class="fs214">Ñòàòòåþ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. </FONT></P>
<P class="ps9"><FONT class="fs213">Çà çì³ñòîì ñò. 205 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ìîæå â÷èíÿòèñÿ óñíî àáî â ïèñüìîâ³é ôîðì³. Ñòîðîíè ìàþòü ïðàâî îáèðàòè ôîðìó ïðàâî÷èíó, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì. Ïðàâî÷èí, äëÿ ÿêîãî çàêîíîì íå âñòàíîâëåíà îáîâ'ÿçêîâà ïèñüìîâà ôîðìà, ââàæàºòüñÿ â÷èíåíèì, ÿêùî ïîâåä³íêà ñòîð³í çàñâ³ä÷óº ¿õíþ âîëþ äî íàñòàííÿ â³äïîâ³äíèõ ïðàâîâèõ íàñë³äê³â. </FONT></P>
<P class="ps9"><FONT class="fs212">Ïðè öüîìó, çà ïðèïèñàìè ñò. 207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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). </FONT></P>
<P class="ps8"><FONT class="fs211">×àñòèíîþ 1 ñòàòò³ 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, 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="ps8"><FONT class="fs210">Çà çì³ñòîì ï. 3.2.2.11.1 Óìîâ, äîãîâ³ð ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó éîãî ï³äïèñàííÿ øëÿõîì íàêëàäåííÿ åëåêòðîííî-öèôðîâîãî ï³äïèñó óñ³ìà éîãî ñòîðîíàìè.</FONT></P>
<P class="ps8"><FONT class="fs209">Ïðè öüîìó, ñòàòòåþ 3 Çàêîíó Óêðà¿íè «Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ» âñòàíîâëåíî, ùî åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</FONT></P>
<P class="ps8"><FONT class="fs208">Çã³äíî ç ÷. 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 âèìàãàëàñü.</FONT></P>
<P class="ps9"><FONT class="fs207">Çà òàêèõ îáñòàâèí ñóä ïðèõîäèòü äî âèñíîâêó, ùî ì³æ ñòîðîíàìè áóëî óêëàäåíî äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 16.11.2012 ð. (íàäàë³  «Äîãîâ³ð»).</FONT></P>
<P class="ps9"><FONT class="fs205">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî 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.</FONT></P>
<P class="ps8"><FONT class="fs204">Çà çì³ñòîì ñò. 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.</FONT></P>
<P class="ps8"><FONT class="fs203">Â³äïîâ³äíî äî ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps8"><FONT class="fs202">Ïóíêòîì 3.2.2.1 Óìîâ ñòîðîíè ïîãîäèëè, ùî Áàíê ïðè 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, â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â, âèíàãîðîäè â îáóìîâëåí³ Äîãîâîðîì ñòðîêè. Â³äíîâëþâàëüíà êðåäèòíà ë³í³ÿ (äàë³ - êðåäèò) íàäàºòüñÿ Áàíêîì äëÿ âèêîíàííÿ Êë³ºíòîì ïëàòåæ³â çà çàÿâêàìè íà äîãîâ³ðíå ñïèñàííÿ ç äàòîþ âèêîíàííÿ â ìàéáóòíüîìó çà ãîñïîäàðñüêèìè äîãîâîðàìè, íå ïåðåâèùóº ñòðîêó ïîâåðíåííÿ êðåäèòó, òà ìîæå áóòè çì³íåíà àáî â³äì³íåíà ïîçè÷àëüíèêîì çà çãîäîþ îòðèìóâà÷à (øëÿõîì ï³äòâåðäæåííÿ ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ êë³ºíò - áàíê «Ïðèâàò24»), øëÿõîì ïåðåðàõóâàííÿ áàíêîì êðåäèòíèõ êîøò³â íà ðàõóíîê 3648, ç íàñòóïíèì ïåðåðàõóâàííÿì â äàòó âèêîíàííÿ íà ïîòî÷íèé ðàõóíîê îòðèìóâà÷³â, ÿê³ âêàçàí³ â çàÿâö³. &nbsp;</FONT></P>
<P class="ps9"><FONT class="fs201">ßê âñòàíîâëåíî ñóäîì, ïî÷èíàþ÷è ç 29.05.2013 ð. â³äïîâ³äà÷ó â ìåæàõ â³äêðèòîãî êðåäèòíîãî ë³ì³òó âèäàâàëèñü ãðîøîâ³ êîøòè, ÿê³ ñòàíîì íà 10.12.2015 ð. ñêëàëè çàëèøîê íåïîâåðíóòîãî êðåäèòíîãî ë³ì³òó ó ðîçì³ð³ 8&nbsp; &nbsp;265,39 ãðí.</FONT></P>
<P class="ps9"><FONT class="fs200">Â³äïîâ³äíî äî ï.3.2.1.2.3.4 Óìîâ, áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî óìîâàìè çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps9"><FONT class="fs198">Â³äòàê, ïðèéìàþ÷è äî óâàãè âèçíà÷åíèé Äîãîâîðîì ñòðîê ïîâåðíåííÿ êðåäèòíèõ êîøò³â, à òàêîæ çì³ñò íàä³ñëàíî¿ áàíêîì íà àäðåñó êë³ºíòà ïðåòåíç³¿, ãîñïîäàðñüêèé ñóä âñòàíîâèâ, ùî ñòðîê âèêîíàííÿ Òîâàðèñòâîì îáîâÿçêó ç ïîâåðíåííÿ îòðèìàíèõ êðåäèòíèõ êîøò³â íàñòàâ.</FONT></P>
<P class="ps9"><FONT class="fs197">Á³ëüø òîãî, ñòàòòåþ 1056-1 &nbsp;Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè òà ³íøèõ ôàêòîð³â.</FONT></P>
<P class="ps9"><FONT class="fs196">Â³äïîâ³äíî äî óìîâ ï. 3.2.2.2 Óìîâ, êë³ºíò ïîãàøàº çàáîðãîâàí³ñòü ïî êðåäèòó â ðîçì³ð³, îçíà÷åíîìó â çàÿâö³ êë³ºíòà, â ñòðîê äî 30 äí³â ç äàòè âèêîíàííÿ çàÿâêè.</FONT></P>
<P class="ps9"><FONT class="fs195">Â³äïîâ³äíî äî ï. 3.2.2.2 Óìîâ (â ðåäàêö³¿ çì³í çã³äíî Íàêàçó ÑÏ-2014-6780656 â³ä 10.06.2014 ðîêó), 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.</FONT></P>
<P class="ps9"><FONT class="fs194">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 30.06.2014. Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³ 15% ð³÷íèõ, à ïî÷èíàþ÷è ç 01.07.2014. Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó ç 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.</FONT></P>
<P class="ps9"><FONT class="fs193">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.</FONT></P>
<P class="ps9"><FONT class="fs192">Ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþºòüñÿ ùîäíÿ ç äàòè ñïèñàííÿ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó äî ìàéáóòíüî¿ äàòè ñïëàòè â³äñîòê³â òà / àáî çà ïåð³îä, ÿêèé ïî÷èíàºòüñÿ ç ïîïåðåäíüî¿ äàòè ñïëàòè â³äñîòê³â äî ïîòî÷íî¿ äàòè ñïëàòè â³äñîòê³â. Ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì (ï. 3.2.2.9.10).</FONT></P>
<P class="ps9"><FONT class="fs191">Íàðàõóâàííÿ â³äñîòê³â ³ êîì³ñ³é çä³éñíþºòüñÿ íà äàòó ñïëàòè â³äñîòê³â, ïðè öüîìó â³äñîòêè ðîçðàõîâóþòüñÿ íà íåïîãàøåíó ÷àñòèíó êðåäèòó çà ôàêòè÷íó ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè ðåñóðñàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â, íå âðàõîâóºòüñÿ (3.2.2.9.11.).</FONT></P>
<P class="ps9"><FONT class="fs190">ßê âáà÷àºòüñÿ ³ç ìàòåð³àë³â ñïðàâè, çà êîðèñòóâàííÿ â³äïîâ³äà÷åì êðåäèòíèì êîøòàìè Áàíêîì íàðàõîâàí³ ïðîöåíòè íà çàãàëüíó ñóìó 7&nbsp; &nbsp;982,53 ãðí.</FONT></P>
<P class="ps9"><FONT class="fs189">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.</FONT></P>
<P class="ps9"><FONT class="fs188">Çã³äíî ³ç ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ ìàº âèêîíóâàòèñü 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 òà ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps9"><FONT class="fs187">×àñòèíîþ 1 ñò. 625 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps9"><FONT class="fs186">Â³äïîâ³äíî äî ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Äîêàçè ïîäàþòüñÿ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ñóäîâîãî ïðîöåñó.</FONT></P>
<P class="ps9"><FONT class="fs185">Ìàòåð³àëàìè ñïðàâè ï³äòâåðäæóºòüñÿ íàÿâí³ñòü ó â³äïîâ³äà÷à ãðîøîâîãî çîáîâÿçàííÿ ïî ñïëàò³ íà êîðèñòü ïîçèâà÷à çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 8&nbsp; &nbsp;265,39 ãðí. òà ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; &nbsp;982,53 ãðí. íà ï³äñòàâ³ Äîãîâîðó. Â³äïîâ³äà÷åì âêàçàíà çàáîðãîâàí³ñòü íå ñïðîñòîâàíà, äîêàç³â ¿¿ ïîãàøåííÿ íå íàäàíî.</FONT></P>
<P class="ps9"><FONT class="fs184">Â³äïîâ³äíî äî ñò. 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="ps9"><FONT class="fs183">Òîâàðèñòâîì îáñòàâèí, ç ÿêèìè ÷èííå çàêîíîäàâñòâî ïîâ'ÿçóº ìîæëèâ³ñòü çâ³ëüíåííÿ éîãî â³ä â³äïîâ³äàëüíîñò³ çà ïîðóøåííÿ çîáîâ'ÿçàííÿ, íå íàâåäåíî.</FONT></P>
<P class="ps9"><FONT class="fs182">Çà òàêèõ îáñòàâèí, ïîçîâí³ âèìîãè Áàíêó ïðî ñòÿãíåííÿ ç Òîâàðèñòâà ñóìè çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 8&nbsp; &nbsp;265,39 ãðí. òà ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; &nbsp;982,53 ãðí. º ïðàâîì³ðíèìè òà îá´ðóíòîâàíèìè.</FONT></P>
<P class="ps9"><FONT class="fs181">Ïóíêòîì 3.18.4.4 âêàçàíèõ Óìîâ âèçíà÷åíî, ùî êë³ºíò çîáîâÿçàíèé ñïëà÷óâàòè áàíêó âèíàãîðîäó çà êîðèñòóâàííÿ ë³ì³òîì â³äïîâ³äíî äî ï.ï. 3.18.1.6 òà 3.18.2.3.2 ïåðøîãî ÷èñëà êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9 % â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü ó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. Êë³ºíò äîðó÷àº áàíêó çä³éñíþâàòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â. </FONT></P>
<P class="ps9"><FONT class="fs180">Ïðèïèñàìè ï. 3.18.1.17 Óìîâ âñòàíîâëåíî, ùî ïðè ïåðåðàõóâàíí³ êë³ºíòîì ç ïîòî÷íîãî ðàõóíêó êîøò³â çà ðàõóíîê êðåäèòíîãî ë³ì³òó íà áóäü-ÿê³ ðàõóíêè àáî ïëàñòèêîâ³ êàðòêè, äåðæàòåëÿìè ÿêèõ º ñàì âëàñíèê ïîòî÷íîãî ðàõóíêó àáî ïîâÿçàí³ ç íèì ô³çè÷í³ îñîáè, ç ñóìè êîæíîãî ç ïðîâåäåíèõ çà ðàõóíîê êðåäèòíîãî ë³ì³òó ïåðåêàç³â ñòÿãóºòüñÿ êîì³ñ³éíà âèíàãîðîäà ó ðîçì³ð³ 3% â³ä ñóìè ïåðåêàç³â.</FONT></P>
<P class="ps9"><FONT class="fs179">Â òîé æå ÷àñ, êë³ºíò âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ çà Äîãîâîðîì íàëåæíèì ÷èíîì íå âèêîíàâ, ó çâÿçêó ç ÷èì ñòàíîì íà 10.12.2015 ð. âèíèêëà çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1&nbsp; &nbsp;859,75 ãðí. </FONT></P>
<P class="ps9"><FONT class="fs178">Çà òàêèõ îáñòàâèí, ñóä ïðèõîäèòü äî âèñíîâêó ïðî íåîáõ³äí³ñòü ïîâíîãî çàäîâîëåííÿ ïîçîâíèõ âèìîã òà ñòÿãíåííÿ ç Òîâàðèñòâà íà êîðèñòü Áàíêó çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 8&nbsp; &nbsp;265,39 ãðí., çàáîðãîâàíîñò³ ïî ñïëàò³ ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; &nbsp;982,53 ãðí. òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1&nbsp; &nbsp;859,75 ãðí.</FONT></P>
<P class="ps10"><FONT class="fs177">Â³äïîâ³äíî äî âèìîã ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps7"><FONT class="fs176">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps12"><FONT class="fs162">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs175">1.&nbsp; &nbsp;Ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «ÏðèâàòÁàíê» çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps7"><FONT class="fs240">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="ps4"><FONT class="fs239">Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;24.02.2016 ð.</FONT></P>
<P class="ps3"><FONT class="fs161">Ñóääÿ                                                                                                     Â.Ï. Áîñèé</FONT></P>
<P><FONT class="fs40"> </FONT></P>