Cho vay tiêu dùng cá nhân ngân hàng vietinbank

Cho vay tiêu dùng cá nhân ngân hàng vietinbank Cho vay tiêu dùng cá nhân ngân hàng vietinbank Cho vay tiêu dùng cá nhân ngân hàng vietinbank Cho vay tiêu dùng cá nhân ngân hàng vietinbank Cho vay tiêu dùng cá nhân ngân hàng vietinbank

    B@ÊB DÇB@ BDÇ Bƨổ C _Kỏ] BIL ]ZƨốB@ ėầK DềC B@ÊB DÇB@ ]DÇBD WD ỗ DỚ CDÌ LKBD FDHI B@ÊB DÇB@ ]èB MB@ B@ấB DầB@ tỗk5 CDH _I[ ]K^ MB@ Cẫ BDÊB (B@ÊB DÇB@ _KN]KBJIBF) @kảb` @k ảb` vkåb dƷỖ  b` m ẦẦ  b5   ]dS Aå ]dỆ  ]dỆ  Ibd  Ibd Yuyåb W i ` n | 3:  3:      MIBD SÉCD ]DÇBD _KÅB S]] Dề _Ç ]ÅB ] ]ÅB LSS_ WDÊB CÝB@ CÝB@ _KỏC : ]ụ  WD  WDầL AHB@ ėỚ B@ ]Dễ ]DÛ[ ėầK MƨƧB@  73793=947744 73793=94774> ]Ờ  trábd  trábd ]Ờ  trábd  trábd WDầL ]Dễ ]D^ DKệ B 73793=94793; AỆcd tr ả bợ  Nxcna  Nxcna = DHÇB@ ]Dễ  DỚ B@ 73793=9479?9   73793=9479?9 ]Ờ  trábd  trábd > B@^[ọ B ]Dễ ]DÕ[ Dƨố B@ 73793=9479;> Céc ękỉu fdhảb rkåb` vỉ cẮ p tìb mỮb` ? ėÇH D^[ệ B AKBD 73793=947::4 ]Ởb` dợ  p DHÇB@ ]Dễ FDÉBD LIK   LIK 73793=947:0:  ]Ờ  trábd  trábd MƨƧB@ ]DKÅB  B@I 73793=947:;0 AỜ k lỘ  ęẠu ; AÅ Y^ỗC BDạ] 73793=9473=; ]Ờ  trábd  trábd 97 D^Ỻ BD IBD ]ÇK 73793=947==: Céc ękỉu fdhảb cdub` vỉ  cẮ p tìb mỮb` W i ` n : | 3:  3:      LửC AửC MIBD SÉCD ]DÇBD _KÅB : Aố K LỒ  ėắ^ = CÉC ėKệ^ FDHẪB ZKÅB@ CữI _KỏC CậW ]ÌB MửB@ > :.  3.  > ? WDƨƧB@ ]DỤ C CDH _I[, Sỗ ]Kệ B CIL F Ẳ] CDH _I[, CÉC FDHẪ B  B BỪ  ẪK _Ç WDÌ ]DIBD ]HÉB WDÌ, ẪK _Ç B  BỪ @ỗC JKỏ B WDÉW JẪH ėẪL  B@DĤI _ử CữI JÅB CDH _I[ Y^[ệ B _Ç B@DĤI  B@DĤI _ử CữI JÅB _I[ Y^[ệ B _Ç B@DĤI WDầ] _K WDầL _Ç JỚK ]Dƨố B@ ]DKỏ] DầK CÉC ėKệ^ FKỏB, ėKệ^ FDHẪB CD^B@ : = > ? ; 97 @KẪK ]DÌCD ]ụ  B@  B@Ợ   CÉC Y^[ ėễ BD  BD _ệ @KẪK B@ÊB  B@ÊB _ỗ B _I[ CƧ SỒ ]ÌBD ẪK WDƨƧB@ ]DỤ C ]ÌBD ẪK ]DỤ  ]ỷ  ƨ^ ]KÅB ]DIBD ]HÉB _Ç ėỚ B@ ]Kệ B Sỡ  Mử B@ CƧ Cậ^ AầK ]DốK Dầ B ]Z Ẫ B  BỪ, B  BỪ Y^É Dầ B CIL F Ẳ] _Ç JẪH ėẪL Y^[ệ B _Ç B@DĤI  B@DĤI _ử CữI JÅB CDH _I[ Y^[ệ B _Ç B@DĤI  B@DĤI _ử CữI JÅB _I[ CDậL MỤ ] CDH _I[ _Ç ]D^ DỚK B  BỪ ]ZƨổC Dầ B CÉC ėKệ^ FDHẪ B FDÉC > > 97 97 99 9: 93 93 9= 9= 9> 9> 9? 94 94 9; :9 ]ố  ]ZÁBD := AễCD ]ZẪ BỪ   :; W i ` n | 3:  3:      Aố K LỒ  ėắ^ _k pdƷƩb` cdêl ‑Bêb` tẠl `ké tr Ệ cuc sb`“, _kntkbJibf auýb fdýb` b`b` cảk tkb  pdét trkb v bêb` tẠl céc mỆcd vỮ, ęé p b` cih dƩb bi bdu cẠu ci lk ęk tƷợ b` b` fdécd db` Jåb cẩbd ęó, cdh viy tkåu mûb` a lt mỆcd vỮ pdỞ jkb dkỀb biy LỮc ęìcd viy tkåu mûb` r Ắt Ắt ęi mẩb` vá vy sb pdl tỡb mb` tkồu mỷb` lỗ b`ờb dỗb` tdk t f  cub` cẮ p tråb tdỆ trƷỜb` cūb` rẮt pdhb` pdõ ]uy bdkåb, sảb pdẫl tìb mỮb` tkåu mûb` mỹi tråb dỏbd tdc cdh viy tkồu mỷb` tr`úp cú tỗk sb ęảl jảh ęƷợ c sỬ mỮb` fdé pdỞ jkb _ k _kntkbjibf tdá td tỮc b `kb, bdibd `b, aók sut cbd tribd vỗ tdk `kib pdå muyỀt bdibd cdób` ė viy vb tẩk b`êb db` _kntkbJibf, fdécd db` cẠb ęé p b` céc ękỉu fkỀb5 -  Fdécd db` a cýb` mêb _kỀt Bil tråb :9 tuỞk v fdýb` qué ?7 tuỞk -  Fdécd db` có lc tdu bdẬ p Ởb ęỆbd db` tdéb` t 3,> trkỀu ęb` tr Ộ  Ộ aåb  aåb -  ]rƷ c v trhb` tdỜk ękl viy vb, fdécd db` fdýb` có jẮt f  bợ  x  xẮu b`êb db` diy tỞ cdc tìb mỮb` bh -  Fdécd db` skbd sb` v al vkỀc tẩk ęỆi jb bƩk có cdk bdébd ci _kntkbJibf dhẩt ęb` _Ậy fdécd db` trhb` trƷỜ b` b` dp by ku fkb c viy vỗ fdk viy tkồu mỷb` pd k xut trỏbd cdh B`ờb dỗb` _kntkbjibf bdb` `kẮy tỜ , cỮ td td tỮc viy vb cẠb bdb` d  sƩ bdƷ siu5  9.  D sƩ pdép aü5  -  Cdb` lkbd bdêb mêb/ D  cdku -  D fdẫu/ F]3 -  @kẮy ęăb` fü ft dýb/ Téc bdẬb ęc tdêb -  @kẮy fdik skbd (bu cẠb tdkt) :.  D sƩ cdb` lkbd tdu bdẬ p5 -  Dợp ęb`/ @kẮy xéc bdẬb aih ęb` -  Dói ęƩb cdb` t cdb` lkbd 3.  D sƩ vỉ pdƷƩb`  pdƷƩb` éb sỬ mỮb` vb viy W i ` n = | 3:  3:      =.  D sƩ tk sảb ęảl jảh5 -  @kẮy cdb` bdẬb YSMė/ YSDB  -  Jảb vẼ sƩ ę dkỀb tr ẩb` CÉC ėKệ^ FDHẪB ZKÅB@ CữI _KỏC CậW ]ÌB MửB@ 9.   WDƨƧB@ ]DỤ C CDH _I[, S ỗ ]K  ệ  B CIL F  Ẳ ] CDH _I[, CÉC FDH Ẫ  B B Ừ Ừ   9.9.  WdƷƩb` tdc cdh viy5 Cdh viy t b` aẠb 9.:.  S tkỉb cil f t cdh viy (i)  ]ûy tduc vh céc ękỉu fdhảb v ękỉu fkỀb ci dợp ęb` bỗy, jồb cdh viy cil ft jồb viy viy cộc fdh ảb tkỉb jẹb` ėb` _kỀt Bil có tỞb` `ké tr Ệ fdýb` vƷợ t qué 9.>77.777.777 ęb` (jẹb` cd5 Lt tỰ băl trăl trkỀu ęb` (‑S tkỉb cil f t t cdh viy“))  (j)  ]rƷỜ b` b` dợp jåb viy ęƷợ c rõt vb jẹb` bdkỉu ahẩk tkb tfdộc bdiu, sm b `c tdnh dp b` bỗy sẼ ęƷợc quy ęỞk tråb mibd b`dīi vỉ  lt ahẩk tkỉb tỀ tdnh tỰ `ké jéb ahẩk tkỉb tỀ ęƷợc quy ęỞk mh jåb cdh viy bkål yt tẩk jẮt f ỳ tdỜk ękl ęỉ b`dỆ `kảk b`êb bdẹl quảb aü s tkỉb cil f t cdh viy 9.3.  LỮc ęìcd sỬ mỮb` Céc fdhảb bợ  ęƷợ c jåb viy sỬ mỮb` ę tdibd théb vỗ dhỗb trb`ub vb lỗ fdộcd dỗb` ó b` vb tduc sỘ  d  du ci fdécd db` ęã tdibd théb cdk pdì ęẮt Ộ   ttẩk tdỬi ęẮt s 3:=6 tỜ  j  jảb ę s 97 (]A-:77>)6 ęỆi cdị5 pdƷỜb` Jbd DƷb` Dúi, quẬb Jábd Zêb, ]W.DCL bdẹl pdỮc vỮ ęỜ k sb` bdẹl lỮc ęìcd pdỮc vỮ bdu cẠu k sb` (]k sb dỏbd tdỗbd tvb viy) 9.=. ]dk db `kk b`ờb5 aỗ tdk `kib tb`ỗy fỹ dp b` by cdh b dt b`ỗy //:7:9 9.>. ]dk db cdh viy5 aỗ :=7 tdộb` ftb`ỗy tkp tdnh ci b`ỗy `kk b`êb fdhảb bợ  ęẠu tkåb : ẪK _Ç WDÌ :.9.  k suẮt cdh viy W i ` n > | 3:  3:      Aãk suẮt cdh viy trhb` d ợp b` bỗy aỗ aók suku cdbd, c xộc bd v ękỉu cdịbd tdnh céc quy ęỆbd mƷk ęêy v cýb` tdc båu tẩk ėkỉu ci ėkỉu fkåb, ėkỉu fdhảb cdub`5 (i)  Aãk suẮt cdh viy trhb` d ẩb Aãk sutr t cdh d b`kckib`ờb fdhcdh b b aỗb aók tb` vỗ y Bd b Btvỗ cú `kộ ftviy tdtrhb` k kl aỗ fdksu cúts kcu`dk cdtrồb bd aók su@k t tdnh b`uyåb Ẩc xéc ęỆbd bdƷ siu5  (k)  ]dỜ k dẩb ękỉu cdịbd aãk suẮt, b`y xéc ęỆbd aãk suẮt, tdýb` jéh ękỉu cdịbd aãk suẮt5 -  Aãk suẮt cdh viy ęƷợc ękỉu cdịbd lt (79) tdéb` lt aẠb (‑]dỜ k db ku cdbd aók sut) bỗh sc xộc bd vỗh b`ỗy `kk b`ờb - Aók sut cdh viy ci jt ffdhb bbỗh fdhb bú v c ku cdbd (xộc bd ak) vỗh lt (79) ci tdộb` cuk cỷb` ci tdk dibd ku cdbd aók sut dhc b`ỗy aỗl vkc akb ftrc ú bu b`ỗy lt (79) ú fdýb` pdk a b`y al vkåc (‑B`y xéc ęỆbd aãk suẮt“)  -  Siu b`y xéc ęỆbd aãk suẮt, jåb _iy ęb` ü r ẹb` b` bd fdỗb` tdộb` vỗh b`ỗy aỗl vkc afsiu b`ỗy 79 dỗb` tdộb` s b trc ci jồb cdh viy ę bdẬb tdýb` jéh aãk suẮt ]rƷỜ b` b` dợp jåb viy fdýb` ęb tr Ữ sỘ  c  ci jåb cdh viy ę bdẬb tdýb` jéh aãk suẮt ]rƷỜ b` b` dợp jåb viy fdýb` ęb tr Ữ sỘ  c  ci jåb cdh viy ę bdẬb tdýb` jéh aãk suẮt tdá jåb viy t  jỈ lk quyỉb fdku bẩk, fdku fkỀb akåb quib tk vkc ku cdbd vỗ ộp mb` aók sut cdh f tìbd ẫk tƷƩb`  b` Céc jåb tdb` bdẮt r ẹb` ẹb` văb  jảb tdýb` jéh aãk su Ắt cdh viy aỗ j pdb fdýb` tdtộcd r k ci dp b` bỗy F t`dk aók aók sut, quyaók b ép b` ẫkęó) suẮtcdh  b`y ęỆbdjéh jåbęócdh viy ęƷợ c jéh ęƷợc xéc ęỆbd trhb`xéc tdýb` suẮt (dhẰ c tdýb` suẮtmỮtrƷc f d b tỡbd aók tb` b` lỗ fdýb` cb pdảk có sỹ ęb` ü ci jåb viy, tr  fdk jåb viy có văb  jảb pdảb ęk ẫk suẮt ęƷợc xéc ęỆbd sik b`uyåb tẨc quy ękbd mƷk ęêy trhb` tdỜ k dẩb ji (73) b`ỗy aỗl vk c ftb`ỗy cdh jồb viy `Ửk tdýb` jéh ęó ]rƷỜ b` b` dợ  p  jåb viy pdảb ęk, aãk suẮt cdh viy trhb` tdýb` jéh aãk suẮt sc jồb viy vỗ jồb cdh viy cỷb` xộc bd aẩk, bu jåb viy fdýb` cûb` jåb cdh viy xéc bd ak dhc fdýb` cdrỵ c vkc jồb cdh viy xéc ęỆbd sik tdá aãk su Ắt cdh viy vẦb ęƷợ c ép mỮb` tdnh lc aãk suẮt trhb` tdýb` jéh xéc ęỆbd aãk suẮt l jåb cdh viy ęã `Ửk cdh jåb viy W i ` n ? | 3:  3:      -  _h b`y xéc ęỆbd aãk suẮt, aãk suẮt cdh viy trhb` d ẩb ęƷợc xéc ęỆbd bdƷ siu5  ]dnh tdýb` jéh ci jåb cdh viy tẩk b`y xéc ęỆbd aãk suẮt bdƷb` fdýb` td tdẮp dƩb sb aãk suẮt cdh viy tdnh quy ęỆbd ci BDC]_B trhb` tb` tdỜ k fá  dhẰc b`y xéc ęỆbd aãk suẮt, tûy tduc vỗh vkc jồb - _ỗh b`ỗy `kk b`ờb fdhb` bợ  dh ci viy b lãk ęép cdh b` viy ęẠy v ę ęƷợ  ękỉuc fk Ềb cdh cdƷƩb` Ữ tdviy  tdnh cviy jåb cdẮ ptrbd tduẬbfduy tdá aãk suẮtccdh ciquy fdhęỆảbd b bợ   i jåb sẼ ęƷợc xéc ęỆbd tdnh cdìbd sécd ci cdƷƩb` trbd fduyb lók ú v c `dk vỗh `ky bdb bợ  -  ]rƷỜ b` b` dợ  p aãk suẮt cdh viy xéc bd tdnh quy bd bồu trồb tdp db lc sỗb aãk suẮt cdh viy f ỳ dẩb tƷƩb` b` ci b`êb db` ]LCW Cýb` tdƷƩb` _kỀt Bil (‑BDC]_B“ dhẰc ‑_kntkbjibf“) td aãk sut cdh viy c xộc bd jb` lc sỗb aók sut cdh viy fdb tb` b` ci BDC]_B tk b`ỗy xéc ęỆbd aãk suẮt ęƷợ c `dk trhb` tdýb` jéh ękỉu cdịbd aãk suẮt -  Aãk cdhcdviy k tdtr  dợpaãkęb` t cdh t vỗ kcdh klffỹ 97%/bl (aókb` sufdh tdsu b`) b`) ị cótẩ`ké  tìbd ęẠu a tkåb ęk v k bd ảbviy `kktdýb` b`ờb pdột skbd tk b`ỗy fỹ dp b` (j) Aãk suẮt ęk vk mƷ bợ  `  `c jỆ qué dẩb5 ]rƷỜ b` b` dợ  p s mƷ bợ  `  `c jỆ cduyb bợ  qué  qué dẩb tdnh quy ęỆbd tẩk ękỉu >.: v ėkỉu ;.:  `c jỆ  ku fkb ku fdhb cdub` ci dp b` bỗy tdỏ jåb viy pdảk tr ả aãk tråb s mƷ bợ  ` qué dẩb tƷƩb` b` v k tdỜ k `kib cdẬl tr ả tdnh lc aãk suẮt jẹb` 9>7% aãk suẮt cdh viy trhb` dẩb bdƷ tdỈi tduẬb tẩk ękl :.79 (i) tẩk tdỜk ękl cduyb bợ  qué  qué dẩb (c)  Aãk suẮt cdẬl tr ả aãk ]rƷỜ b` b` dợ  p jåb viy fdýb` tr ả ęẠy ę v ęõb` dẩb jẮt f ỳ fdhảb tkỉb aãk bỗh tdnh dp b` dp jồb viy c jồb cdh viy cdp tdub cdh c cu ak tdk b` bỗy (jih `l trƷỜ b` dẩb tr ả bợ  tdnh ėkỉu >.9 ėkỉu fkỀb ėkỉu fdhb cdb` ci dp b` bỗy) tdỏ pdk traók cdl tr ả tdnh lc ẫk suẮt jẹb` 97%/băl tìbd tråb s mƷ ẫk cdẬl tr ả tƷƩb` b` v k tdỜ k `kib cdẬl tr ả :.:.  Wdì Jåb viy sẼ tdibd théb cdh jåb cdh viy céc ah ẩk pdì tdnh quy ęỆbd ci BDC]_B tẩk tdỜ k ękl pdû dợ  p vk céc quy ęỆbd pdép auẬt có akåb quib CỮ td céc ahẩk pdì bdƷ siu5  W i ` n | 3:  3:      (i)  Wdì tr ả bợ  trƷ c dẩb5 quy ęỆbd cdk tkt tẩk `kẮy bdẬb bợ  ęk v k tb` fdhảb bợ  Jåb viy pdảk tdibd théb pdì tr ả bợ  trƷ c tdỜ k dẩb cûb` vkỀc tr ả bợ  `  `c trƷ c dẩb (j)  Wdì cil f t rõt vb5 Wdì cil f t rõt vb < (S tkỉb viy * s tkỉb tìbd pdì * 9%)/3?> ]rhb` ęó5 S b`y tìbd pdì ęƷợ c tìbd t tdỜk ękl dợp ęb` cdh viy bỗy cú dku ac tk b`ỗy `kk b`ờb u tkồb B`ờb dỗb` tdc dkb tdu pdỡ fdk sb`ỗy bỗy 37 b`ỗy vỗ tỡbd pdỡ tb`ỗy 39 tr k. (c)Cộc ahẩk pdì fdéc tdnh quy ęỆ bd ci BDC]_B tẩk tb` tdk kl vỗ pdỷ dp vk pdộp aut ]DIBD ]HÉB WDÌ, ẪK _Ç B Ừ Ừ  @  @ỗC 3.9.  ]dibd théb ẫk    tdibd théb (i) Jåb có b`dīi Ờ k db vh b`y :> (dik db`viy tdộb` B`ỗy v tdibd thộb viyaókaóktrhb` cuk td cỷb` aỗ b`ỗy tt thộb fdhlk b viy.aăl) ]rƷỜ b` b` dợp b`y :> (dik lƷƩk aăl) db` tdộb` fdýb` pdk aỗ b`ỗy aỗl vkc tdỏ jồb viy c quyb tdibd thộb vỗh b`ỗy aỗl vkc akb f  siu ęó.  (j) Jåb viy có b`dīi vỮ tdibd théb ẫk ęk vk m b` `c jquộ db, aók cdl traók vỗ jåb cdh viy có quy ỉb tdu ẫk ęk vk mƷ bợ  `  `c jỆ qué dẩb, aãk cdẬl tr ả aãk b`iy fdk pdột skbd vỗ/dhc tdnh tdýb` jộh ci jồb cdh viy vỗ/dhc vỗh b`ỗy tdibd thộb aók bồu tk ku 3.79 (i) dp b` bỗy 3.:. ]dibd thộb b` `c vỗh b`ỗy trbc `dk trồb `ky bdb (i) Jồb viy b` ỹ tdibd thộb fdhb bvỗh bdh dhc tdnh acd trb` `c (tdnh quy bd tk pdac dp b` bỗy) Acd tr b` `c c cộc jồb xộc bd vỗh b`ỗy `kk b`ờb u tkồb vỗ cú td c ku cdịbd tẩk tb` tdỜk ękl `kảk b`êb fdhảb bợ  (j)  Jồb viy c quyb trbl lt pdb dhc thỗb jfdhb bợ  trƷ c tdỜ k dẩb tdnh aỆcd tr ả bợ  v  vk ękỉu fkỀb pdảk tdibd théb céc fdhảb pdì pdét skbd tdnh quy ęỆ bd tẩk ękỉu :.7: ėkỉu fkỀb, ėkỉu fdhảb rkåb` ci dp b` bỗy 3.3. ]dibd thộb pdỡ W i ` n | 3:  3:      Céc fdhảb pdì (bu có) sẼ ęƷợ c jåb viy tdibd théb cdh jåb cdh viy tdnh tdỈi tduẬb tẩk ękỉu :.7: ėkỉu fkỀb, ėkỉu fdhb rkồb` ci dp b` bỗy vỗ b`iy fdk pdột skbd  pdì =.  CÉC Y^[ ėễBD AKÅB Y^IB ėẲ  B @K  Ẫ  K B@ÊB   =.9 ėkỉu fkỀb tkåb quyt Jåb cdh viy có b`dīi vỮ `kảk b`êb fdhảb bợ  tdnh  tdnh yåu cẠu ci jåb viy bu ękỉu fkỀb mƷk ęêy ęƷợc ęép b` dhẰc jåb cdh viy lkb tr 5 (i) Jåb viy ęỉ b`dỆ `kảk b`êb trhb` tdỜ k dẩb `kảk b`êb (j) Céc jkỀb pdép ęảl jảh tdnh yồu cu ci jồb cdh viy trc b`ỗy `kk b`êb ęã ęƷợc ęép b` ęẠy ę (c) Siu fdk `kảk b`êb fdhảb bợ  ęƷợc ęỉ b`dỆ, tỞb` mhibd s `kảk b`êb fdýb` ęƷợ c vƷợ t qué s tkỉb cil f t cdh viy (m) Jåb viy ęã xut trbd y cộc tỗk aku cdb` lkbd vỗ `kk trábd bdu cẠu sỬ mỮb` vb viy pdû dợ  p v k lỮc ęìcd sỬ mỮb` tkỉb viy tdnh quy ęỆbd tẩk ėkỉu 9.73 ku fkb, ku fdhb rkồb` ci dp b` bỗy (n)Cộc ękỉu fdhảb, ękỉu fkỀb fdéc tẩk dợp ęb` by ęã v ęib` ęƷợ c jåb viy tuêb td, tdỹc dkỀb (o)  ėkỉu fkỀb `kảk b`êb cỮ td5 Jåb viy pd ảk tuêb td céc ękỉu fkỀb `kảk b`êb cdub` quy ęỆbd tẩk ėkỉu =.79 ėkỉu fkỀb, ėkỉu fdhảb rkåb` ci dợp ęb` by v ękỉu fkỀb `kảk b`êb cỮ td l céc jåb ęã tdb` bdẮt pdû dợp vs quy ęỆbd ci pdép auẬt =.:.  @kảk b`êb viy vb _kỀc `kảk b`êb vb viy ęƷợ c tdỹc dkỀb tdnh quy ęỆbd tẩk ėkỉu fkỀb, ėkỉu fdhảb cdub` (i) Céc dợp ęb` jảh ęảl ęƷợ c xéc aẬp trc vỗ/dhc cỷb` tdk kl fỹ ft dp b` by có quy ęỆbd dhẰc mẦb cdku b`dīi vỮ ęảl jảh jih `l cbdb` b`di vpdột skbd tdp b` bỗy - Dp ęb` td cdẮ p jẮt ęb` sảb s5 :9.907/:7:9/DėJė/BDC] :9.907/:7:9/DėJė/BDC];== ;==-WJA b`y……./ ……./:7:9 v céc dợp ęb`,văb jảb sỬi ęỞk jỞ sub` fdéc (bu có) ęƷợ c fì f t `ki b`êb W i ` n ; | 3:  3:      dib` ]LCW Cýb` ]dƷƩb` _kỀt Bil- cdk bdébd 9: ]W DCL v  k íb` B@^[B ]ZB@ ]ấBJỗ Jỗ CD^ ]D]D[ (j) Cộc dp ęb` ęảh jảh ęƷợ c xéc aẬ p siu tdỜk ękl fü ft dp b` bỗy cú quy bd dhc mb cdku b`dīi vỮ ęƷợc ęảh jảh jih `l cả b`dīi vỮ pdét skbd t dợp b` bỗy >. JKB WDẫW JH L B`di vtrb` `c, tdibd théb ẫk, pdì, tk ỉb pdẩt, jk tdƷỜ b` b` tdkỀt dẩk v céc b`dīi vỮ  fdéc ci Jåb _iy pdét skbdt tdnh Dợp ėb` ęƷợ c jảh ęảl jỘ k céc tỗk sb vk dỏbd tdc l jh tdnh cộc cil ft jh aóbd/Dp b` jh l lỗ Jồb _iy vỗ/dh Ằc ]Ở cdc/Cé bdêb fdéc fü f t v k Jåb Cdh _iy vỗ/dhc cộc jkb pdộp jh l fdộc (Dp b` Jh ėảl“), cỮ td5 (i)  Céc Dợp ėb` Jảh ėảl ęƷợ c xéc ap trc vỗ/dhc cỷb` tdk kl fỹ ft Dp b` by có quy ęỆbd dhẰc mẦb cdku b`dīi vỮ ęƷợc ęảl jh jih `l cb`di vpdột skbd tDp b` bỗy Dợp ęb` td cdẮ p dhẰc jẮt ęb` sảb s5 :>?/DėA_-ėDF] b`y 9> tdéb` 9: băl :799 v céc dợp ęb` sỬi ęỞk jỞ sub` fdéc (bu có) ęƷợ c fü f t `ki B`êb cdk bdộbd 9: ]W DCL v k Jỗ B`uyb ]d db` ]LCW Cýb` tdƷƩb` _kỀt Bil –  cdk Jìcd _êb (j)  Céc Dợp ėb` Jảh ėảl ęƷợ c xéc aẬ p siu tdỜk ękl fỹ ft Dp b` bỗy cú quy bd dhc mb cdku b`dīi vỮ ęƷợ c jảh ęảl jih `l cả b`dīi vỮ pdét skbd tDp b` bỗy ?. Y^[B _ầ B@DI _C C I JB CDH _I[ B`hỗk cộc quyb v b`di vquy ęỆbd tẩk ękỉu fkỀb ękỉu fdhảb cdub`, jåb cdh viy sẼ có tdål céc quy ỉb v b`dīi vỮ siu5 ?.9.  Jåb cdh viy có quyỉb `k jảb cdìbd/ jảb sih `kẮy tỜ  cd cdb` lkbd tỗk sb dỏbd tdỗbd tvb viy ó tduc sỘ  d  du ci jåb viy(`kẮy cdb` bdẬb quyỉb sỬ mỮb`  du bdỗ vỗ cộc tỗk sb fdộc `b t6 `ky cdb` bdẬb quyỉb sỬ mỮb` ęẮt,quyỉb sỘ  d akỉb vk ęẮt6 `kẮy cdb` bdb quyb sddu bd6 ) ]rb` b` dp tỗk sb jh l fdýb` pdk aỗ tỗk sb dỏbd tdỗbd tvb viy vỗ jồb cdh viy `k jb cdỡbd `ky t cdb` lkbd tỗk sb dỏbd tdỗbd tvb viy ó tduc sỘ  d  du ci jåb viy, jåb cdh W i ` n 97 | 3:  3:      tỈi, cẠl `k, tdk dỗbd ộb6 diy j t csfkb bỗh bd db` b` t k vkỀc sỬ mỮb` tkỉb viy diy fdả băb` tri bợ  c  ci Jåb _iy (kkk)  Jåb _iy có pdét skbd b ợ  qué  qué dẩb tẩk tỞ cdc tìb mỮb` fdéc (j) Jåb _iy scub` cp cộc tdýb` tkb, tỗk aku, cdb` ttdibd thộb tdnh quy ęỆbd ci Jåb Cdh quy _iyęỆbd, pdỮc cūb` vỮ cdh vkỀcéc c xnl xëttkb, quytk c `k k b`êb t akỀu ęỆbdfdéc pdƷƩb` viy tdnh bdƷ tdýb` tdnhtd quy ęỆảbd/ yåuvcẠbu cdh ci Jåb Cdh _iy tråb cƩ sỘ  pdû  pdû dợ  p vk quy ęỆbd pdép auẬt (c) Jåb _iy cdỆu trécd bdkỀl trƷ c pdép auẬt vỉ tìbd cdìbd xéc, trub` tdỹc ci tt c tdýb` tkb, tỗk aku vỗ cdb` tcub` cẮ p Jåb Cdh _iy 0.  Y^[  ệB _Ç B@DĤI _ử  C   C ữ I JB CDH _I[ B`hỗk cộc quyb v b`di vỮ fdéc ęã ęƷợc quy ęỆbd cỮ td tẩk WdẠb 9 –  ėkỉu FkỀb, ėkỉu Fdhảb Zkåb`, Jåb Cdh _iy cúb có quy ỉb v b`dīi vỮ bdƷ siu5  0.9  ėƷợ c quyỉb ękỉu cdịbd aãk suẮt tdnh tdỈ  i tduẬb tẩk Dợp ėb` Cdh _iy 0.:  [åu cẠu Jåb _iy cub` c Ắ p f Ệ p  p tdỜk, cdỡbd xộc, y cộc tỗk aku, tdýb` tkb akồb quib ęb Fdhảb Bợ , tábd dábd sảb xuẮt fkbd mhibd, tábd dỏbd tỗk cdỡbd, bd b` tdiy k vc cu tcdc jlộy, vb, tỗk sb, ku a, b` fỹ fkbd mhibd, ęỆi ękl sảb xuẮt fkbd mhibd ci Jåb _iy v céc tdýb` tkb fdéc tdnh quy ęỆ bd ci Dợp b` bỗy tr c vỗ trhb` sut quộ trỏbd viy vb 0.3  Fkl tri, `kél sét qué trábd viy v b, smb` vb viy vỗ trbc ci Jồb _iy 0.= ]du bợ  trƷ c dẩb trhb` trƷỜ b` b` dợp Jåb _iy tdu c tkb jộb dỗb` dỏbd tdỗbd t vb viy ci Jåb Cdh _iy trƷ c fdk Fdhảb Bợ  ęb dẩb 0.>  CdẮl mt cdh viy, tdu dk bợ  trƷ c dẩb fdk céc Fdhảb Bợ  tdnh  tdnh tdỈi tduẬb ữ  I   JÅB _I[ 4.  Y^[  ệB _ầ B@DI _C C B`hỗk cộc quyb v b`di vfdộc ęã ęƷợc quy ęỆbd cỮ td tẩk WdẠb 9- ėkỉu FkỀb, ėkỉu Fdhảb Zkåb`, Jåb _iy cúb có céc quy ỉb v b`dīi vỮ siu5 4.9  SỬ mỮb` Fdhảb Bợ  ęõb` lỮc ęìcd v sẼ sỬ mỮb` tt ccộc b`ub tdu ci Jồb _iy vỗ bdb` b`k có trécd bdkỀl akåb ęk ę tdibd théb ęẠy ę v ęõb` dẩb céc b`dīi vỮ tk cdìbd tdnh quy ęỆbd ci Dợp b` bỗy W i ` n 94 | 3: 3: 4.: Cdp tdub vỗ th ku fkb tdub ak Jồb Cdh _iy tdnh mỵk, fk l tri vkỀc sỬ  mỮb` vb viy, qué trábd dhẩt ęb` sảb xut fkbd mhibd, tỏbd dỏbd tỗk cdỡbd ci Jồb _iy 4.3  Jk tdƷỜ b` b` cdh Jåb Cdh _iy céc tdkỀt dk tdc t, trc tkp pdột skbd tvỗ akồb quib t k Dợp ėb` ci Jåb _iy ;.  CD  ậ  L MỤ ] CDH _I[ _Ç ]D^ D Ớ K B Ừ Ừ  ]Zƨổ C D  ầ B ;.9  Jåb Cdh _iy c quyb tuyồb jcdl mt cdh viy vỗ/dh c tdu dk trc db lt pdb dhc thỗb jtkb viy trc db (vỗh b`ỗy mh Jồb Cdh _iy b kbd v tdýb` jéh cdh Jåb _iy) fdk pdét skbd dh Ằc tk p mkỎb lt trhb` céc sỹ fkỀb siu5 (i)  Jåb _iy fdýb` tdibd théb dhẰc tdibd théb fdýb` ęẠy ę bợ  d  dc ęb dẩb ci jẮt f ỳ Fdhảb Bợ  bh, aãk ęb dẩb tỡbd trồb jt fFdhb Bbỗh, bỗh, vỗ/dhc jt f b`di vỮ tk cdìbd fdéc ęb dẩb tdnh quy ęỆbd tẩk Dợp ėb` Cdh _iy, Dợp ėb` Jảh ėảl   (j) quib JẮt f ỳdiy  dhfdýb` dhtdnh  fkỀb `ké dhẰc cl t cduCdh t b`l c sộbd k s_iy fksbbỗh y ri cdh i Jåb `êy xritdiy ęỞk mû jẮtcó aợkakåb ęéb` f  ęb dht b` fkbd mhibd dhc tỏbd dỏbd tỗk cdỡbd dhc fdả băb` trả bợ   cci Jåb _iy (c)  Jåb _iy vk pdẩl jẮt f ỳ cil f t, t, b`dīi vỮ bh ęƷợc quy ęỆbd tẩk Dợp b` bỗy v cộc vb jb, tdi tdub, cil ft akồb quib fdộc vk Jồb Cdh _iy lỗ fdýb` tdfdc pdỮc ęƷợ c dhẰc fdýb` ęƷợ c fdẨc pdỮc trhb` tdỜ k dẩb lỗ Jồb Cdh _iy yồu cu (m) ]ỗk sb ci Jåb _iy/Jåb Jảh ėảl jỆ få jkåb, pdhb` t Ỉi, cẠl `k, tdk dỗbd ộb6 dh sfk b`Jh jt akl/D tk ợp vkỀė c sỬb`  mỮJb` viy diy fd ả băb` Ềb bỗh bl trbcjc ct icJồb _iy dhcbd ]ỗkd Sbb` h tkėả (n)  Jåb _iy5 cdt, lẮt tìcd, dẩb cd/lẮt băb` ac dỗbd vk mờb s, jfdk tjcib, j tl `kil, tl `k, jjuc tdk dỗbd ộb vỗ/dhc fdk cú jt ftỗk aku, tdýb` tkb bỗh l tdnh ộbd `kộ ci Jåb Cdh _iy có fd ả băb` mẦb ęb tdiy ęỞk jt ak,k, aỗl suy `kl fdbb` trbc ci Jồb _iy (o)  Mhibd b`dkỀp tƷ bdêb mh Jåb _iy al cd (ép mỮb` trhb` trƷỜ b` b` dợ  p Cd MB]B viy vb sảb xuẮt fkbd mhibd)5 jỆ tdu dk @kẮy cdb` bdẬb ęăb` fü mhibd b`dkp vỗ cộc `ky tpdộp pdộp aỹ tb` b` v/dhc @ky pdởp fkbd mhibd vỗ cộc `ky t pdộp aỹ tƷƩb` ęƷƩb` (kk) JỆ Ạ ỹ Ạ  ả ả   yåu c u/ t  yåu c u tuyåb j  pdé s b, `k tdibd W ik `tdn ,9; | 3:  3:      aü, fdýb` cúb fdả băb` tdibd théb bợ  ęb dẩb6 (kkk) tẩl mb` dhẩt ęb` sảb xuẮt fkbd mhibd t 3 tdéb` tr Ộ  Ộ aåb6  aåb6 dhẰc cdki, técd, sép bdẬ p, `kảk td, tdibd ẵ, cduyb ęỞk cd sỘ   ddu, cỞ pdẠb dói dhc mỷb` pdb ab tỗk sb `úp vb, akồb mhibd, lui cỞ pdẠb6 (kv) Akåb quib ęb céc vỮ fkåb, vỮ éb, dhẰc có bdb` tdiy ęỞk vỉ  vb ękỉu aỀ, @kél ęc, tdỗbd vkồb `úp vb, dhc bdb` tdiy k vlýk trb` b` ci _iy Jåb tdnh Cdh D _iy có Cdh td  ảbd b` b`dkål fkbd tdnhtrả quib ęk dƷỘ b` tr   bợ   c cilJåb _iy b`mhibd b` ęb fdl ả băb` ợp tdá ėb` (`)  Jåb Jảh ėảl vk pdẩl Dợp ėb` Jảh ėảl dhẰc xảy ri céc trƷỜ b` b` dợ  p cẠb pdảk xaỹ ]ỗk Sb Jh l/jkb pdộp jh l tdnh Dp ėb` Jảh ėảl ę tdu dk bợ  tdnh quy ęỆbd tẩk Dợp ėb` Jảh ėảl (d)  Jåb _iy vk pdẩl pdép auẬt, cdìbd sécd ci Bd bƷ c, c, dhẰc Jåb _iy vk pd l jt fb`di v, trộcd bdkl bỗh ci lbd quy bd tk Dp b` Cdh _iy bỗy (k) Cú quyt ęỆbd ci cƩ quib Bd bƷ c có tdẫl quyỉb vỉ vkỀc Jåb Cdh _iy pd ảk tdu dk bợ  trƷ c dẩb6 dhc pdột skbd sfkb tdiy k, jib dỗbd lk cdỡbd sécd, quy ęỆbd pdép auẬt diy céc quyt ęỆbd ci cƩ quib Bd bƷ c có tdẫl quyỉb akåb quib t k vkỀc cdh viy, ẫk suẮt cdh viy, cécd tìbd ẫk dh Ằc cécd tìbd ẫk dhẰc céc sỹ  fkỀb jêt fdả fdéb`/ trƷỜ b` b` dợ  p fdẫb cẮp bdƷ fdb` j, cdkb tribd, jẩh ęb`, ębd cýb`, jãk cýb`, aãb cýb`, jku tábd, tdkåb tik (e)  _k pdẩl cdëh5 (k) j fdýb` td ỹc dkỀb dhẰc fdýb` tuêb td céc b`dīi vỮ tdnh jẮt f ỳ  tdỈi tduẬb dhẰc văb jảb bh akåb quib ęb jt ffdhb bbỗh bỗh ci Jồb _iy (trỷ cộc fdhb bb db tdnh Dp b` Cdh _iy bỗy) tk Jồb Cdh _iy6 dhẰc (kk) Jåb _iy có mƷ bợ   xxẮu tẩk céc tỞ cdc tìb mỮb` fdéc ;.:  Jåb Cdh _iy ęƷợ c quyỉb cduyb bợ  qué  qué dẩb ęk vk mƷ bợ  `  `c lỗ Jồb _iy fdýb` tdibd thộb y v ừb` db tdnh bd tdýb` jộh ci Jồb Cdh _iy B`hỗk cộc quyb vỗ jkb pdộp fdc pdc c pdởp tdnh pdộp auẬt, Jåb Cdh _iy có quyỉb ép mỮb` lt dhẰc tẮt cả céc jkỀb pdép fdẨc pdỮc siu ęêy5  (i)  ]ỹ ęb` trỡcd/tt thộb ]ỗk Fdhb dhc jt ftỗk fdhb bỗh6 cộc fdhb tkb `k, tỗk sb `k fdộc Jồb _iy t k jột fCdk bdộbd bỗh ci B`ờb dỗb` ]LCW Cýb` tdƷƩb` _kỀt Bil ę tdu bợ  (j)  Jû tr  b`d ī i vỮ bợ   cci Jåb _iy tdnh Dp b` bỗy vk b`di vtdibd thộb ci Jåb Cdh _iy (jih ` l cả céc Cdkbd Bdébd fdéc ci Jåb Cdh _iy) v  k Jåb _iy  pdét skbd tdnh jẮt f ỳ tdỈi tduẬb bh ęã ęƷợ c xéc aẬp trƷc ęó W i ` n :7 | 3:  3:    (c) Taỹ jt f]ỗk Sb Jh l, jkb pdộp jh l bỗh tdnh j t fpdb` pdb` tdc dhc trỏbd tbỗh lỗ Jồb Cdh _iy cdh aỗ tdỡcd d ợ  p, pdû dợ  p v k tdỈi tduẬb tẩk Dợp ėb` Jảh ėảl (m)  ]dỹc dkỀb jẮt f ỳ td tỮc pdép aü bh ę yåu cu Jồb _iy vỗ/dhc b`k cú b`di vakồb k trbtd  tdỹc dkỀb b`dīi vỮ 97.  CÉC ėKệ ^ FDH Ẫ  B FDÉC 97.9  ]dýb` Jéh (i)  (j)   (c)  ]r  fdk có quy ęỆbd rỵ rỗb` fdộc trhb` Dp b` Cdh _iy, tt ccộc tdýb` jéh v céc tdýb` tkb fdéc ęƷợc ęƷi ri pdk c ap tdbd vb jb jb` tkb` _kt vỗ ęƷợ c `Ửk ęk jẹb`5 (k) ęƷỜb` jƷu ękỀ b, (kk) `kih tb tiy dhc (kkk) oix (vỗ cộc jb `c ęƷợ c `Ửk jẹb` ęƷỜb` jƷu ękỀb trhb` vúb` dik (:) B`ỗy Aỗl _k c siu ú) tdnh i cdc `dk trhb` Dợp ėb` Cdh _iy (kv) nlika v céc fåbd ękỀb tỬ  fdéc Jåb _iy bdkỀl tdýb` j ẹb` t kęỆJåb jảbęỞk u cócótdiy ęỞỆ k vỉ céc ęỆicócdtrécd ị ęã cub` cẮ p Lkjéh tdýb` jéhvăb tdiy i cdCdh ị ci_iy Jåbb_iy `ké tr  dkỀu aỹc ęk v k Jåb Cdh _iy f  t tdỜk ękl Jåb Cdh _iy bdb c tdýb` jộh Jồb _iy pdk cdu dhỗb thỗb trộcd bdkl k vk vkc cdl trdhc fdýb` tdc dkỀb vkỀc tdiy ęỞk tdýb` tkb Jåb _iy cil f t r ẹb` Jåb _iy có lẰt tẩk ęỆi cdị båu tẩk pdẠb u ci Dp b` bỗy dhc i cdfdộc c tdýb` jéh cdh Jåb Cdh _iy ę bdẬb céc tdýb` tkb tdỹc dkb vỗ `kk quyt tribd cdp Dp b` ]rb` b` dp Jồb _iy fdýb` cú lt tk i cdbỗy akồb tc 37 (ji lk)b`ỗy v fdhb` tdýb` jộh i cdlk cdh Jåb Cdh _iy td ęỆi cdị ęã cub` cẮp ęƷợc chk a ęỆi cdị bƩk cƷ trõ cuk cûb` ci Jåb _iy.jcv ęƷợ c quyỉb fdỜ k fkỀb Jåb _iy tdnh ęỆi cdị by v ęỉ b`dỆ ]úi éb xët x Ử  vỮ éb vẨb` lẰt tdnh quy ęỆbd ci pdép auẬt Céc td tỮc xët xỬ mh ]úi éb quy t ęỆbd tråb cƩ sỘ  pdép  pdép auẬt dkỀb dỗbd 97.: Si k Dp b` tdiy k jt cbk mub` bỗh ci Dp b` Cdh _iy bỗy, Cộc Jồb pd ảk fü văb jảb sỬi ęỞk, jỞ sub` dợp ęb` ]rƷỜ b` b` dợp quy ęỆbd cdk tkt lt s ękỉu fdhảb ci Dp b` Cdh _iy bỗy, Cộc Jồb pd k aẬ p pdỮ aỮc dợp ęb` 97.3  Cduyb BdƷợ b` b` Dợp ėb` W i ` n :9 | 3:  3:      (i)  Jåb Cdh _iy có quy ỉb cduyb `kih, cduyb bdb` b` lt pdb dhc thỗb jý quyb vỗ/dhc b`di vci lỏbd pdột skbd t Dp b` Cdh _iy bỗy vỗ D p b` Jh l cdh jồb tdji lỗ fdýb` cẠb pdảk có sỹ cdẮ p tduẬb ci Jåb _iy, b`hẩk tr  b`dīi vỮ tdýb` jéh v ỉ vkỀc cduyb `kih, cduyb bdƷợ b` b` (j)  Jåb _iy ęƷợ c quyỉb cduyb `kih, cduyb bdƷợ b` b` lt pdb dhc thỗb jquyb vỗ/dhc b`di vci lỏbd pdột skbd t Dp b` Cdh _iy bỗy vỗ D p ėb` Jảh ėảl fdk ęƷợ c Jåb Cdh _iy ęb` ü trƷ c jẹb` văb jảb 97.=  ]kt A ]dýb` ]kb (i)  Jåb Cdh _iy cil ft jh lt jt ftdýb` tkb bỗh (tdýb` tkb akồb quib tk Dp b` Cdh _iy bỗy, cộc tdýb` tkb vỗ t t c`kih mcd, quib dtỡb mỮb` `ki Céc b` dợ  p5 (k) Jåb) ęƷợ c cub` cẮ p jỘ k Jåb _iy dhẰc bdêb vkåb Jåb _iy, tr  trƷỜ b` tdýb` tkb c cýb` jcýb` fdik lỗ fdýb` pdk aỗ du quả ci vkỀc _kntkbjibf vk pdẩl ękỉu by6 (kk) akåb quib b jt ftdtc ttb` trb` tỗk dhc tdtc pdộp aỹ bỗh6 (kkk) bu c yồu cu tdnh quy bd pdộp auẬt có akåb quib6 (kv) cub` cẮp cdh CƩ quib Bd bƷ c có tdẫl quyỉb6 (v) cub` cẮp cdh céc cƩ quib fkl théb tdỹc dkỀb fkl théb _kntkbjibf6 (vk) cdh céc cduyåb `ki tƷ vẮb, cỞ ęýb` ci Jåb Cdh _iy6 (vkk) cub` cp cdh cộc ]cdc/Cộ bdờb tkb dỗbd tdl bd vỗ cub` cp sb pdl, mcd v, vb cdh Jåb Cdh _iy, tdil `ki `kih m Ệcd lui jéb bợ  v  v k Jåb Cdh _iy vk ękỉu fkỀb céc ]Ở cdc/Cé bdêb ęó ęã tdỈi tduẬb jảh lẬt tdýb` tkb v k Jåb Cdh _iy6 (vkkk) cub` cẮ p cdh Céc Jåb trhb` Dợp ėb` Jảh ėảl dhẰc cé trƷỜ b` b` dợ  p fdéc ęƷợ c Jåb _iy cdẮ p tduẬb (j)  AuẬt ėkỉu Cdịbd, CƩ Yuib @kảk Yuyt ]ribd CdẮ p (c)  Dợp ėb` Cdh _iy, ėkỉ u FkỀb, ėkỉu Fdhảb Cdub` by ęƷợ c `kảk tdìcd, ękỉu cdịbd tdnh pdép auẬt _kỀt Bil Lk tribd cdẮ p pdét skbd t dhẰc akåb quib t k Dợp ėb` Cdh _iy, k u Fkb, ku Fdhb Cdub` bỗy sc `kk quyt tẩk túi éb có tdẫl quyỉb ci _kỀt Bil 97.> Dku Ac (i) ]t ccộc ku fdhb vỗ tb` pdẠb ci céc ękỉub fdhảb ci Dợp ėb` Cdh _iy bỗy scú dku ac rkồb` v c ap vk cộc ku fdhb fdộc Bu cú jt fku fdhb bỗh vý dkỀu, jẮt dợ  p pdép dhẰc fdýb` td tdk dbd tdnh quy ęỆbd tẩk quy ęỆbd ci pdép auẬt, tdá dkỀu aỹc, tỡbd dp pdộp vỗ fdbb` tdk dbd ci cộc ku W i ` n :: | 3:  3:      fdhb cỳb ak ci Dp b` Cdh _iy bỗy sfdýb` jbd db` mk jt f dỏbd tdc bỗh (j) Dp b` Cdh _iy bỗy sc ap tdỗbd ji (73) jb `c có dkỀu aỹc b`ib` bdiu Jåb Cdh _iy `k dik (7:) jb `c vỗ Jồb _iy `klt (79) jb `c, Dp b` Cdh _iy bỗy cú dku ac tdk dỗbd ftb`ỗy fỹ dp b` Fdk Jồb _iy tr dt b` `c, baók aók vỗ cộc cdk pdỡ pdột skbd fdéc (bu có) ęb` tdỜ k dt ]dỜ k Dẩb Muy ]rá Dẩb Lc tdnh Dợp ėb` by (ęk vk trƷỜ b` b` dp viy db lc) tdỏ Dp b` Cdh _iy bỗy lẰc bdkåb sẼ tdibd aü ėỊ @DK BDạB CÉC ]DỂI ]D^ạB ]ầK DỪW ėỚB@ CDH _I[ BÇ[, ęẩk mkỀb dợ  p pdép ci Céc jåb ęã cûb` bdiu fü tåb mƷ k ęêy5  ėầK MKỏB JÅB _I[ Cd fü5 ėầK MKỏB JÅB CDH _I[ Cd fü5 W i ` n :3 | 3:  3:       B@ÊB DÇB@ ]LCW CÝB@ ]DƨƧB@ CB ]W.DCL  WDÚB@ FDÉCD DÇB@ ]DỊ BDÊB ************** ]ố  ]ZÁBD  ]ZÁBD Fìbd trábd5 - JIB @KÉL ėỗC - ABD H WDB@ FD]B (_/v Jỗ B`uyb ]dJỡcd _ờb ęỉ  b`d  b`dỆ viy 9.>77.777.777 _BM 6 ]dỜ k dẩb viy5 9:7 tdéb`6 Ữc ęìcd viy5  Lui Lui căb dớ ]dn Nistnrb)  L Ữc K/ ]DÝB@ ]KB _Ç D Ớ SƧ CữI FDÉCD DÇB@ _I[ _ỗB5   ]dýb` tkb cộ bdờb5 - D, tồb fdộcd dỗb`5 B@^[B ]DJèCD _ấB - Skbd b`ỗy5 b`ỗy 79/7=/9;4 79/7=/9;433 - CLBM s5 7:>9:?:3?, mh CI ]W DCdỡ Lkbd cp b`ỗy ::/7=/:77; - D fdẫu5 ==:/97/9?, BƩ ]rib` Ahb`, WdƷỜ b` b` 93, YuẬb Jábd ]dẩbd, ]W D Cdì Lkbd -  ėỆi cdị dk  dkỀb tẩk5 90;/=:, ęƷỜ b` b` ]r Ữc, Ữc, WdƷỜ b` b` 93, YuẬb Jábd ]dẩbd, ]W D Cdì Lkbd -  ]ábd tr ẩb` dýb bdêb5 ėã ft dýb (Siu ờy `k aỗ fdộcd dỗb`) :. Yuib dvk ]C]M5 Jỗ B`uyb ]dJỡcd _ờb aỗ fdộcd dỗb` lkci _kntkbJibf.DCL ]dnh tdýb` tkb tdil fdh CKC b`ỗy :9/7?/:7:9 tdỏ dkb biy jỗ B`uy b ]d Jỡcd _ờb fdýb` cú m b viy tk jt f]C]M bỗh Fdộcd dỗb` fdýb` cú b ợ  x  xẮu trhb` 7> băl trỘ   aaẩk ęêy 3.  Dồ sƩ viy vộb5  D ồ sƩ pdép aü5  W i ` n := | 3:  3:      -  @kẮy ęỉ b`dỆ viy vb -  CLBM -  D fdẫu `ki ębd.  -  @kẮy xéc bdẬb tábd tr ẩb` dýb bdêb  D ồ sƩ  D  cdừ  b` lkbd lỮc ęìcd sỬ  m   m Ữ b` vộ  b5 -  @kẮy cdb` bdẬb YSMė v tk sảb `b akb vk t - Dp b` lui jộb bdỗ vỗ vỗ cduyb bdb` b` quyb smb` t D  D ồ sƩ cdừ  b` lkbd b`uồ b tdu bdẬ p5 -  Dợp ęb` aih ęb` + jảb` aƷƩb`.  KK/ BD^ Cắ^ _I[ _ỗB, WDƨƧB@ ÉB Sỡ  M  MửB@ _ỗB _Ç B@^ỚB ]ZẪ BỪ   9.  Bdu cẠu viy vb5 B`ỗy :9/?/:7:9, :9/?/:7:9, fdộcd fdộcd dỗb` cú @ky ęỉ b`dỆ viy vb fkål pdƷƩb` éb trả bợ  ęỉ b`dỆ  _kntkbJibf.DCL cdh viy6 cỮ td bdƷ siu5  -   Bdu cẠu vb ę tdỹc dkỀb pdƷƩb` éb a5 :.>77.777.777 _BM + _b tỹ có 9.777.777.777 _BM (tƷƩb` ęƷƩb` =7%)  + _b viy _kntkbJibf.DCL5 9.>77.777.777 _BM (tƷƩb` ęƷƩb` ?7%) ?7%)   -  ]dỜ k dẩb viy5 9:7 tdéb` :.  LỮc ęìcd viy5 Lui căb d ]dn Nistnrb  Nistnrb  3.  WdƷƩb` éb sỬ   mmỮb` vộb viy5 ]dnh dp b` t cc b`ỗy :3/?/:7:9 tdỏ FD m ỹ  fkb lui căb  d ]dn Nistnrb ]kb ę tdibd théb mỹ fkb bdƷ siu5  -  ėợ t 95 Cc :77.777.777 _BM W i ` n :> | 3:  3:      -  ėợ t :5 ]dibd théb :.:77.777.777 _BM fdk ri cýb` cd b` lui jéb -  ėợ t 35 ]dibd théb 977.777.777 _BM fdk ri s db` FD cb b`ờb dỗb` tỗk tr / `kảk b`êb s tkỉb5 9.>77.777.777 _BM vh ęợ t : =.  B`uồb trả bợ 5  Ủ  aƷƩb`5  ] Ủ -  Cýb` ty5 ėẩk dc Fkb trõc ]dỗbd pdDCdỡ Lkbd - Bk al vkc5 Fdhi Fkb trừc Bk tdẮt -  Fkbd b`dkỀl cýb` téc5 97 băl (:799- :7:9) -  Ahẩk dợp ęb` aih ęb`5 Dợp ęb` aih ęb` fdýb` xéc ęỆbd tdỜ k dẩb (Căb c Dợ  p ęb` s :>?/DėA_-ėDF] b`y 9> tdéb` 9: băl :799) Cdc vỮ5 Wdó ]rƷỘ b` b` fdhi Fkb trõc bk tdẮt -  -  Dábd tdc bdẬb aƷƩb`5 BdẬb aƷƩb` qui tk fdhảb cé bdêb tẩk B`êb dỗb` akồb ft vk trbb`` - Bdb xởt fdộc5 Fdộcd dỗb` cú tdu bdp b bd, tkb ab` lk tdộb` fdýb` `kb` bdiu mh pdét skbd bd b` fdhảb tdu bdẬp b`hk aƷƩb` (tkỉb tdû aih, …)  ]ÓL AầK5 ]Ởb` tdu bdp ci fdộcd dỗb` jỏbd quờb l t tdộb` aỗ :3.>47.00= b`/tdộb` b`/tdộb`aỗ aỗ cú c svỗ vỗ dp aü.  aü.  >.  Fdả băb` trả bợ 5 -  S tkỉb viy 9.>77.777.777 _BM -  ]dỜ k dẩb viy 9:7 tdéb` -  @c vỗ aók dỗb` tdộb` 9;.4::.?99 _BM/tdộb` _BM/tdộb`. W i ` n :? | 3:  3:      ]ÓL AầK5 ]b` `c vỗ aók dỗb` tdộb` fdộcd dỗb` pd k tdibd thộb aỗ5 9;.4::.?99 _BM/tdộb` _k lc tdu bdp jỏbd quờb lt tdộb` aỗ :3.>47.00= _BM/tdộb` :3.>47.00= b`/tdộb` b`/tdộb` ę  tdibd théb céc fdhảb bợ  viy  viy tẩk céc ]C]M KKK/ ]ÇK SẪB ]DẲ CDậW ėẪL JẪH FDHẪB _I[5 ė  ęảl jh cdh fdhb viy bỗy tdỏ Jỗ B`uy b ]dJỡcd _ờb s mb` tỗk sb td cdp aỗ5 ]ỗk sb dỏbd tdỗbd tvb viy a cb d]dn Nistnrb Nistnrb Cdk tkt tỗk sb tdcdp c lý tctdtdnh Jộh cộh td l bd tỗk sb jh l b`ỗy :3/7?/:7:9 ỡbd fọl ttrỏbd trỏbd bỗy ]dýb` tkb v`kộ tr]S]C ctdbd siu5 - @kộ trbd c bd aỗ :.>77.777.777 b` - ]b` `ké tr Ệ ]S]C :.>77.777.777 ęb` b`.   BdƷ vẬy5 S tkỉb cdh viy tk ęi a  :.>77.777.777 x 07% < 9.0>7.777.777 _BM Ft aub5 @kộ trtỗk sb tdcdp a l jh cdh bdu cẠu viy vb K_/ BDạB TË] _Ç FKẲB B@Dễ CữI CÉB JỔ ]ÌB MửB@5   BdẬb xët5 -  D sƩ viy vb ęẠy ę, dợ  p aỀ -  LỮc ęìcd viy cú tdc, dp pdộp - ]ỗk sb jh ęảl ęẠy ę, dợ  p pdép -   B`ub tr ả bợ   ęẠy ę, dợ  p aü :.  ėỉ xuẮt5 W i ` n :0 | 3:  3:      ] bdb` bdẬb xët tråb, fìbd trbd Jib @kél ęc v Aãbd ęẩ h Wdúb` Fdộcd dỗb` ]dbdờb xnl xởt cdh fdộcd dỗb` aỗ Jỗ B`uy Ỏb ]dỆ Jìcd _êb ęƷợ c viy vb6 cỮ td bdƷ siu5 -  S tkỉb viy 9.>77.777.777 9.>77.777.777  _BM _BM -  ]d Ờ k dẩb viy 9:7  tdéb` tdéb`.   9:7 -  LỮc ęìcd  Lui căb d ]dn Nistnrb -  Aãk suẮt 97%/băl  -  WdƷƩb` tdc rõt vb Cduy b fdhảb/ tkỉb l Ằt cdh b`k td db` b` - @c vỗ Aók viy trdỗb` tdộb` (tdu vỗh b`ỗy 7>dỗb` 7>dỗb` Wdb` tdc trb tdộb`) - ]ỗk sb j h l ]ỗk sb dỏbd tdỗbd tvb viy a cb d]dn Nistnrb - ]r Ệ `ké ]S]C :.>77.777.777 _BM 3.  ėkỉu fkỀb `kảk b`êb5 - Dhỗb tt tdtc tdcdp, b` fỹ `kih mcd l jh tdnh ừb` quy bd pdộp aut ]W.DCL, b`ỗy 37 tdéb` 7? băl :7:9 Ü FKẲB AÃBD ėầH WDÚB@ CJFD Ü FKẲB JIB @KÉL ėỗC W i ` n :4 | 3:  3:      AễCD ]ZẪ BỪ   Sộ tkỉb viy  9,>77,777,777 Aãk suẮt viy (băl)   97% Fỳ dẩb (tdéb`)  Aãk suẮt viy (tdéb`)   9:7 7.43% Sộ tkỉb trả dỗb` tdộb` 9;,4::,?99 F : B u f Aók pdột skbd @c @c vỗ aók 9,>77,777,777 9,=;:,?00,34; 9:,>77,777 9:,=34,;04 0,3::,?99 0,343,?3: 9;,4::,?99 9;,4::,?99 Bợ cuộk fỳ 9,>77,777,777 9,=;:,?00,34; 9,=4>,:;3,0>0 3= > ? ; 97 99 9: 93 9= 9> 9? 90 94 9; :7 :9 :: :3 9,=4>,:;3,0>0 9,=00,4=4,>;> 9,=07,3=9,34; 9,=?:,009,?:3 9,=>>,934,00? 9,==0,==:,3:: 9,=3;,?49,039 9,=39,4>?,=?4 9,=:3,;?>,;;> 9,=9?,77;,0?4 9,=70,;40,:3; 9,3;;,4;0,4>> 9,3;9,0=9,7?7 9,343,>9?,:;: 9,30>,:::,;4= 9,3??,4?7,>?> 9,3>4,=:4,=>; 9,3=;,;:?,74> 9,3=9,3>:,4>; 9,33:,074,94; 9,3:3,;;9,=47 9:,300,==4 9:,39>,=7> 9:,:>:,4=> 9:,94;,0?= 9:,9:?,9>? 9:,7?:,79; 99,;;0,3=4 99,;3:,930 99,4??,343 99,477,749 99,033,::0 99,??>,49> 99,>;0,4=: 99,>:;,37: 99,=?7,9;: 99,3;7,>7> 99,3:7,:30 99,:=;,34= 99,900,;=7 99,97>,;7: 99,733,:?: 0,==>,9?3 0,>70,:7? 0,>?;,0?? 0,?3:,4=0 0,?;?,=>= 0,0?7,>;9 0,4:>,:?3 0,4;7,=03 0,;>?,::0 4,7::,>:; 4,74;,34= 4,9>?,0;> 4,::=,0?4 4,:;3,374 4,3?:,=9; 4,=3:,97? 4,>7:,303 4,>03,::? 4,?==,?07 4,09?,07; 4,04;,3=4 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9,=00,4=4,>;> 9,=07,3=9,34; 9,=?:,009,?:3 9,=>>,934,00? 9,==0,==:,3:: 9,=3;,?49,039 9,=39,4>?,=?4 9,=:3,;?>,;;> 9,=9?,77;,0?4 9,=70,;40,:3; 9,3;;,4;0,4>> 9,3;9,0=9,7?7 9,343,>9?,:;: 9,30>,:::,;4= 9,3??,4?7,>?> 9,3>4,=:4,=>; 9,3=;,;:?,74> 9,3=9,3>:,4>; 9,33:,074,94; 9,3:3,;;9,=47 9,39>,:7:,93: W i ` n :; | 3:  3:      := :> :? :0 :4 9,39>,:7:,93: 9,37?,33;,>3; 9,:;0,=73,7;9 9,:44,3;:,903 9,:0;,37?,9?= 97,;?7,794 97,44?,9?3 97,499,?;: 97,03?,?79 97,??7,44> 4,4?:,>;3 4,;3?,==4 ;,797,;94 ;,74?,77; ;,9?9,0:? 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9,37?,33;,>3; 9,:;0,=73,7;9 9,:44,3;:,903 9,:0;,37?,9?= 9,:07,9==,=34 :; 37 39 3: 33 3= 3> 3? 30 34 3; 9,:07,9==,=34 9,:?7,;7?,3?> 9,:>9,>;9,370 9,:=:,9;4,?:= 9,:3:,0:0,??; 9,::3,900,04; 9,:93,>=4,3:0 9,:73,434,?9; 9,9;=,7=0,;;0 9,94=,90>,04? 9,90=,::9,370 97,>4=,>30 97,>70,>>3 97,=:;,;:4 97,3>9,?>> 97,:0:,039 97,9;3,9=4 97,99:,;73 97,739,;44 ;,;>7,=77 ;,4?4,93: ;,04>,904 ;,:34,70= ;,39>,7>0 ;,3;:,?43 ;,=07,;>> ;,>=;,447 ;,?:;,=?: ;,07;,074 ;,0;7,?:: ;,40:,:99 ;,;>=,=0; 97,730,=33 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9,:?7,;7?,3?> 9,:>9,>;9,370 9,:=:,9;4,?:= 9,:3:,0:0,??; 9,::3,900,04; 9,:93,>=4,3:0 9,:73,434,?9; 9,9;=,7=0,;;0 9,94=,90>,04? 9,90=,::9,370 9,9?=,943,40= =7 =9 =: =3 == => =? =0 =4 =; >7 >9 >: >3 >= >> >? >0 >4 >; ?7 9,9?=,943,40= 9,9>=,7?:,0;? 9,9=3,4>0,30? 9,933,>??,;97 9,9:3,9;7,?;7 9,99:,0:4,77: 9,97:,904,9:> 9,7;9,>=7,33: 9,747,493,4;9 9,7?;,;;4,7?3 9,7>;,7;:,973 9,7=4,7;>,:?7 9,730,77?,00? 9,7:>,4:>,44; 9,79=,>>9,4:4 9,773,943,49? ;;9,0:9,707 ;47,9?:,47: ;?4,>74,:9> ;>?,0>?,>7? ;==,;7?,4?? ;,079,>3: ;,?90,9;7 ;,>3:,9=> ;,==?,3;9 ;,3>;,;:: ;,:0:,033 ;,94=,494 ;,7;?,9?; ;,77?,04: 4,;9?,?>9 4,4:>,0?4 4,03=,9:0 4,?=9,0:3 4,>=4,>=; 4,=>=,>;; 4,3>;,4?> 4,:?=,3=: 4,9?4,7:3 4,707,;7: 0,;0:,;09 0,40=,::= 97,9:9,704 97,:7>,=:9 97,:;7,=?? 97,30?,::7 97,=?:,?44 97,>=;,400 97,?30,0;3 97,0:?,==9 97,49>,4:4 97,;7>,;?7 97,;;?,4=3 99,744,=43 99,947,440 99,:0=,7?9 99,3?4,79: 99,=?:,0=> 99,>>4,:?4 99,?>=,>40 99,0>9,07; 99,4=;,?=7 99,;=4,340 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9,9>=,7?:,0;? 9,9=3,4>0,30? 9,933,>??,;97 9,9:3,9;7,?;7 9,99:,0:4,77: 9,97:,904,9:> 9,7;9,>=7,33: 9,747,493,4;9 9,7?;,;;4,7?3 9,7>;,7;:,973 9,7=4,7;>,:?7 9,730,77?,00? 9,7:>,4:>,44; 9,79=,>>9,4:4 9,773,943,49? ;;9,0:9,707 ;47,9?:,47: ;?4,>74,:9> ;>?,0>?,>7? ;==,;7?,4?? ;3:,;>4,=47 W i ` n 37 | 3:  3:      ?9 ?: ?3 ?= ?> ;3:,;>4,=47 ;:7,;97,>:3 ;74,0?:,9?0 4;?,>9:,>0> 44=,9?7,;7: 0,00=,?>= 0,?0=,:>= 0,>03,794 0,=07,;34 0,3?4,774 9:,7=0,;>0 9:,9=4,3>? 9:,:=;,>;: 9:,3>9,?0: 9:,=>=,?73 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 ;:7,;97,>:3 ;74,0?:,9?0 4;?,>9:,>0> 44=,9?7,;7: 409,07?,:;; ?? ?0 ?4 ?; 07 09 0: 03 0= 0> 0? 409,07?,:;; 4>;,9=0,;74 4=?,=4=,4?3 433,09?,:;3 4:7,4=9,394 470,4>;,7>: 0;=,0?4,?77 049,>?;,7?9 0?4,:>;,>:? 0>=,43;,70; 0=9,37?,0;= 0,:?=,:9; 0,9>;,>?? 0,7>=,7=9 ?,;=0,?3? ?,4=7,3== ?,03:,9>; ?,?:3,70: ?,>93,70? ?,=7:,9?3 ?,:;7,3:? ?,900,>>0 9:,>>4,3;9 9:,??3,7=> 9:,0?4,>07 9:,40=,;0> 9:,;4:,:?? 93,7;7,=>: 93,9;;,>3; 93,37;,>3> 93,=:7,==4 93,>3:,:4> 93,?=>,7>= 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 4>;,9=0,;74 4=?,=4=,4?3 433,09?,:;3 4:7,4=9,394 470,4>;,7>: 0;=,0?4,?77 049,>?;,7?9 0?4,:>;,>:? 0>=,43;,70; 0=9,37?,0;= 0:0,??9,0=7 00 04 0; 47 49 4: 43 4= 4> 4? 40 44 4; ;7 ;9 ;: ;3 ;= ;> ;? ;0 0:0,??9,0=7 093,;7:,;00 077,7:;,>>4 ?4?,7=7,>:0 ?09,;3=,;:9 ?>0,099,0?4 ?=3,307,74; ?:4,;74,4;? ?9=,3:0,9;3 >;;,?:3,;0? >4=,0;4,:3: >?;,4=4,;=7 >>=,00>,707 >3;,>0>,>4> >:=,:=;,=34 >74,0;>,>03 =;3,:9:,;:> =00,>77,=:3 =?9,?>?,;4: ==>,?49,>93 =:;,>0:,;9> ?,7?3,4=4 >,;=;,9;9 >,433,>47 >,090,77= >,>;;,=>4 >,=47,;39 >,3?9,=90 >,:=7,;70 >,99;,3;3 =,;;?,4?? =,403,39; =,0=4,0=9 =,?:3,9:? =,=;?,=?3 =,3?4,0=> =,:3;,;?3 =,997,974 3,;0;,907 3,4=0,9=: 3,09=,793 3,>0;,00= 93,0>4,0?3 93,403,=9; 93,;4;,739 9=,97>,?7? 9=,::3,9>3 9=,3=9,?0; 9=,=?9,9;3 9=,>49,073 9=,073,:90 9=,4:>,0== 9=,;=;,:;: 9>,703,4?; 9>,9;;,=4> 9>,3:?,9=0 9>,=>3,4?> 9>,>4:,?=0 9>,09:,>73 9>,4=3,==7 9>,;0>,=?; 9?,974,>;4 9?,:=:,43? 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 093,;7:,;00 077,7:;,>>4 ?4?,7=7,>:0 ?09,;3=,;:9 ?>0,099,0?4 ?=3,307,74; ?:4,;74,4;? ?9=,3:0,9;3 >;;,?:3,;0? >4=,0;4,:3: >?;,4=4,;=7 >>=,00>,707 >3;,>0>,>4> >:=,:=;,=34 >74,0;>,>03 =;3,:9:,;:> =00,>77,=:3 =?9,?>?,;4: ==>,?49,>93 =:;,>0:,;9> =93,337,70; W i ` n 39 | 3:  3:      ;4 ;; 977 979 97: =93,337,70; 3;?,;>9,44? 347,=30,:74 3?3,04=,;70 3=?,;;3,434 3,===,=90 3,370,;3: 3,907,397 3,739,>=9 :,4;9,?9> 9?,304,9;3 9?,>9=,?04 9?,?>:,377 9?,0;9,707 9?,;37,;;> 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 3;?,;>9,44? 347,=30,:74 3?3,04=,;70 3=?,;;3,434 337,7?:,4=: 973 97= 97> 97? 970 974 97; 997 999 99: 993 337,7?:,4=: 39:,;;7,0>? :;>,00?,=79 :04,=94,>;= :?7,;9?,93; :=3,:?0,4:; ::>,=0:,=>9 :70,>:4,000 94;,=3>,>03 909,9;9,>;: 9>:,0;>,>04 :,0>7,>:= :,?74,:>? :,=?=,473 :,3:7,9>> :,90=,379 :,7:0,:3: 9,404,;30 9,0:;,=7? 9,>04,?37 9,=:?,>;0 9,:03,:;? 90,70:,740 90,:9=,3>= 90,3>0,470 90,>7:,=>? 90,?=4,37; 90,0;>,30; 90,;=3,?03 94,7;3,:7= 94,:=3,;49 94,3;?,79= 94,>=;,39= 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 39:,;;7,0>? :;>,00?,=79 :04,=94,>;= :?7,;9?,93; :=3,:?0,4:; ::>,=0:,=>9 :70,>:4,000 94;,=3>,>03 909,9;9,>;: 9>:,0;>,>04 93=,:=?,:?= 99= 99> 99? 990 994 99; 9:7 93=,:=?,:?= 99>,>=:,303 ;?,?4:,?9> 00,??>,?;3 >4,=;7,:;0 3;,9>>,97> 9;,?>4,040 9,994,09; ;?:,4>3 47>,?44 ?=0,:9= =40,=9; 3:?,:;3 9?3,4:3 94,073,4;: 94,4>;,0>0 9;,79?,;:: 9;,90>,3;? 9;,33>,9;9 9;,=;?,394 9;,?>4,040 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 9;,4::,?99 99>,>=:,303 ;?,?4:,?9> 00,??>,?;3 >4,=;7,:;0 3;,9>>,97> 9;,?>4,040 W i ` n 3: | 3:  3: