High Court of Punjab and HaryanaCRR/2309/2022allowed

Satbir Singh v. Hdfc Bank Ltd. And ANR.

2026-01-29Mr. Justice Sumeet Goel9 pages

!" !#$% C)+!!*#+"

" :+".2. #& '() #*%+" C)+.0*#(+#.

+*, +*, +*, +*,+-!

+-!

+*,01* +*,01* +*,01* +*,01* / / / / "+.+#/ "+.+#/ "+.+#/ "+.+#/ !.!*#/ .!*#/ !.!*#/ .!*#/ #2 "3 #2 "3 #2 "3 #2 "34 5 * (!#$/ #2 "345 * (!#$/ #2 "345 * (!#$/ #2 "345 * (!#$/ #2 "345 ?' )

?' )

")%20!#(+" !#$%4(:*- + +,*"%+0+!!*#+".)

")%++"

6 74(:*- + ,*""+.0*#(+#*))

%!7

.%0 !#$1 4 + +#!*" "3 # ) @@@@@ @@@@@ @@@@@ @@@@@

'4) '

4) '

%+0"+.+#-"!7!# 1"+:!.!*#0+ +!!*#% . ++#,!1+(!702$#!#$ $ %+ 62($7+# # #( .+#+#-+ ( +( 8)9 9)9 0 ..+( 3 1+ "#+( !:!.!*# 12 2(!-!

+4..

#(%4!# *701 !#*)58>!1+( .

; # #& '() :+".2.

!" !#$%<4 A A%+"+ 3 %+ 0+!!*#+" % . ++# -*#:!-+( # #( .+#+#-+( ,*" *,,+#-+ 2#( (+" +-!*# = *, +$*!

1+ + #."27+#. -4== #(A .(!"+-+(*0 .27*,.)B4484 .

-*70+#.

!*# #(!#- .+*,(+, 214*,2"%+ +"2#(+"$*.!701+!70"!.*#7+# ,*">7*#% %.)2"%+"4%+0+!!*#+"% .-%

11+#$+(%+!702$#+(62($7+# ( +()) 0 ..+( 3%+1+ "#+((( (!!*# +..!*#.2($+4D "# 4

!# "!7!# 1 00+ 1 *)584 A%+"+ 3 00+ 1 ,!1+( 3 %+ 0+!!*#+" $ !#. %+ 62($7+# #( *"(+" ( +( 8)9)9 A (!.7!..+() ) '+ "#+(-*2#.+1,*"%+0+!!*#+"% ..2 7!+(% (2"!#$%+ 0+#(+#-3 *,0"*-++(!#$.4 %+0+!!*#+" #(%+ -*701 !# #% :+ +#+"+( !#* .+1+7+#8 $"++7+# ( +( )=)B -*03 A%+"+*, 00+#(+( ##+E2"+A!%%+0"+.+#0+!!*# )'+ "#+(-*2#.+1,*"%+0+!!*#+" . ,2"%+" .2 7!+( % .!#-+ %+ 0 "!+. % :+ 7!- 13 .+1+( %+!" (!.02+ .

4%+7 +"7 3 +-*70*2#(+( #(%+0+!!*#+" + -F2!+() ) '+ "#+(-*2#.+1 00+ "!#$,*""+.0*#(+#*)% ."

!,!+(%+ , -27*,.+1+7+#8 $"++7+#% :!#$ ++# ""!:+( +A++#%+0 "!+.

#(% .,2"%+":*2-%+(%+$+#2!#+#+..*,%+-*70"*7!.+8.+1+7+#( +( )=)B .

+( * + ""!:+( +A++# %+ 0 "!+.) '+ "#+( -*2#.+1 ,*" "+.0*#(+#*)% 1.*.2 7!+(% % 1.* ++#!..2+(!#, :*2" *, %+ 0+!!*#+") --*"(!#$134 %+ % . !+"

+( % "+.0*#(+# *) -*701 !# # % . #* * 6+-!*#4 !# - .+4 %+ *,,+#-+ !. 0+"7!+( * + -*70*2#(+( #(%+0+!!*#+"!.*"(+"+(* + -F2!+() >) % :+ %+ "( 1+ "#+( -*2#.+1 ,*" %+ "!:

1 0 "!+. #( % :+ 0+"2.+(%+ :

!1 1+"+-*"() B) A*21( + 00*.!+ * "+,+" %+"+!# * 62($7+# 0 ..+( 3 %"++ 2($+ +#-% *, %+ *#? 1+ 20"+7+ *2" !1+( . 7*( " ) 7*( " ) 7*( " ) 7*( " ) "

%2:.)

3+(

1)4 94 "

%2:.)

3+(

1)4 94 "

%2:.)

3+(

1)4 94 "

%2:.)

3+(

1)4 94"+1+:

#A%+"+*,"+ (. %2./ ;B)G!%"+$ "(*%+0"*$"+..!*#*,1!!$ !*#!#-%+F2+ *2#-!#$- .+.4 %+1+ "#+(*"#+3+#+"

1% .2"$+(%!.*2"*,"

7+$2!(+1!#+.,*"

(+( .-%+7+ *, !70*.!#$ -*.. *# 0 "!+. A%* 2#(213 (+1

-*70*2#(!#$ *, %+ *,,+#-+) A . .2 7!+( % %+ "+F2!"+7+# *, (+0*.!*,%+-*..A!11 - (++""+#,*"(+1 3+(-*70*.!!*#4.!#-+ 0"+.+#4 ,"++ #( + .3 -*70*2#(!#$ *, *,,+#-+. #3 .

$+4 %*A+:+" +1 +(4$!:+. #!#-+#!:+*%+("

A+"*,%+-%+F2+*(+1 3.+1!#$%+ - .+.,*"3+ ".)# 001!- !*#,*"-*70*2#(!#$7 (+ ,+".+:+"

13+ ". #**#13"+.21.!#%+.3.+7 +!#$ 2"(+#+( 2%+-*701 !# #!. 1.* (+0"!:+(*,+,,+-!:+62.!-+)#:!+A*,%!..2 7!..!*#4A+(!"+-% %+ ,*11*A!#$$2!(+1!#+. +,*11*A+(/ ' !

#%+-!"-27.

#-+.4!!.0"*0*.+( .,*11*A./

% (!"+-!*#. - # + $!:+# % %+ G"! *, 277*#. + .2!

13 7*(!,!+( 7 &!#$ ! -1+ " * %+ --2.+( % %+ -*21( &+ 001!- !*#,*"-*70*2#(!#$*,%+*,,+#-+. %+,!".*" .+-*#(%+ "!#$*,%+- .+ #(% !,.2-% 001!- !*#!.7 (+4 -*70*2#(!#$7 3 + 11*A+( 3%+-*2"A!%*2!70*.!#$ #3 -*..*#%+ --2.+()

,%+ --2.+((*+.#*7 &+ 001!- !*#,*"-*70*2#(!#$

,*"+.

!(4 %+# !, 001!- !*# ,*" -*70*2#(!#$ !. 7 (+ +,*"+%+

+ .2 .+F2+#.

$+4-*70*2#(!#$- # +

11*A+(.2 6+-*%+-*#(!!*#% %+ --2.+(A!11 +"+F2!"+( *0 3H*,%+-%+F2+ 7*2#* +(+0*.!+( -*#(!!*#,*" -*70*2#(!#$A!%%+'+$ +":!-+.2%*"!34*".2-% 2%*"!3

.%+*2"(++7.,!) - !7!1 "134!,%+ 001!- !*#,*"-*70*2#(!#$!.7 (+ +,*"+ %+ +..!*#. *2" *" !$% *2" !# "+:!.!*# *" 00+ 14 .2-% -*70*2#(!#$ 7 3 + 11*A+( *# %+ -*#(!!*# % %+ --2.+( 3.BH*,%+-%+F2+ 7*2# 3A 3*,-*..) ( !# 1134!,%+ 001!- !*#,*"-*70*2#(!#$!.7 (+ +,*"+%+

20"+7+*2"4%+,!$2"+A*21(!#-"+ .+*H*,%+-%+F2+

7*2#) '+! 1.* +-1 "!,!+(% #3-*..!70*.+(!# --*"( #-+A!% %+.+ $2!(+1!#+. .%*21( + (+0*.!+( A!% %+ '+$ +":!-+. 2%*"!3 *0+"

!#$ %+1+:+1*,%+*2" +,*"+A%!-%-*70*2#(!#$ &+.01 -+) *"!#.

#-+4!#- .+*,-*70*2#(!#$(2"!#$%+0+#(+#-3*,0"*-++(!#$. +,*"+

+I.*2"*" *2"*, +..!*#.4.2-%-*...%*21( + (+0*.!+( A!% %+ !."!- '+$ +":!-+. 2%*"!3) '!&+A!.+4 -*.. !70*.+(!#-*##+-!*#A!%-*70*.!!*# +,*"+%+!$%*2".%*21( + (+0*.!+(A!%%+

+'+$ +":!-+.2%*"!3 #(%*.+!70*.+(!# -*##+-!*# A!% -*70*.!!*# +,*"+ %+ 20"+7+ *2" .%*21( + (+0*.!+(A!%%+ !*# 1'+$ +":!-+.2%*"!3) EEE EEE EEE EEE EEE EEE EEE EEE 9) G+ "+ 1.* -*#.-!*2. *, %+ :!+A % %+ 62(!-!

+#(*".+7+# *, %+ *:+ F2*+( $2!(+1!#+. -*21( + .++# - *, 62(!-!

11 A7 &!#$ #(%+"+,*"+ #!#"2.!*#!#*%+1+$!.1 !:+(*7 !#) 72. + &+0 !# 7!#( % +-!*# >9*, %+ - (*+. #* - ""3 #3 $2!( #-+*#%*A*0"*-++(A!%%+-*70*2#(!#$*,*,,+#-+.2#(+"%+ -) G+ % :+ 1"+ (3 +E01 !#+( % %+ .-%+7+ -*#+701 +( 2#(+" +-!*#*,%+"- ##* +,*11*A+(!#%+."!-.+#.+)# :!+A*,%+1+$!.1 !:+:

-2274A+.++#*%2"(1+*%++#(*".+7+#*, .*7+.2$$+.!*#.A%!-%% :+ ++#(+.!$#+(*(!.-*2"

$+1!!$ #.,"*7 2#(213(+1 3!#$%+-*70*.!!*#*,%+*,,+#-+!#- .+.!#:*1:!#$ +-!*# =*, %+ -) %+ $"

(+( .-%+7+ ,*" !70*.!#$ -*.. !. 7+ #. * +#-*2"

$+-*70*2#(!#$ #+ "13.

$+*,1!!$ !*#)#%+.

2.F2*4 :

1+ !7+ *, %+ *2" !. .0+# *# %+ "! 1 *, %+.+ - .+. #( %+ "!+. "+ #* 1!

1+ * 0 #3 *2" ,++ .!#-+ %+ 0"*-++(!#$. "+ $*:+"#+( 3%+*(+*,"!7!# 1"*-+(2"+4+:+#%*2$%%+!70 -*,

%+ *,,+#-+ !. 1 "$+13 -*#,!#+( * %+ 0"!:

+ 0 "!+.) :+# %*2$% %+ !70*.!!*#*,-*.. 3%+-*70++#-*2"!. 7 +"*,(!.-"+!*#4%+ .- 1+ *, -*.. % . ++# .2$$+.+( !# %+ !#+"+. *, 2#!,*"7!3) %+ -*70++#*2"- #*,-*2".+"+(2-+%+-*..A!%"+$ "(*%+.0+-!,!- , -. #(-!"-27.

#-+.*, - .+4A%!1+"+-*"(!#$"+ .*#.!#A"!!#$,*" .2-%:

#-+)*# ,!(+1!!$ #..%*21(*,-*2".+-*#+.%+0"*-++(!#$. *%+!"1*$!- 1+#():+#!#%+0 .4%!.*2"% .2.+(!.0*A+"*(* -*701++62.!-+2#(+""!-1+>*,%+*#.!2!*#*," 7+$2!(+1!#+. !#"+1 !*#*.2 6+-7 +"A%+"+%+"+A 1+$!.1 !:+:

-227)< B)) 2"%+"%+*#? 1+ 20"+7+*2"!# 62($7+#!1+( 8.

8. +AG!#E0*" #"):.)) 2 "

7> BB/> '

A +AG!#E0*" #"):.)) 2 "

7> BB/> '

A +AG!#E0*" #"):.)) 2 "

7> BB/> '

A +AG!#E0*" #"):.)) 2 "

7> BB/> '

A +"

1( =4 +"

1( =4"+1+:

#A%+"+*,"+ (. .2#(+"/ ;5) %!. 62#-2"+4 A+ A*21( 1.* 1!&+ * "+!+"

+ ,+A A*"(. "+$ "(!#$%+0"!#-!01+.*,-*70*2#(!#$*,*,,+#-+.!#%+-*#+E*, -) !. * + "+7+7 +"+( % (!.%*#*2" *, -%+F2+. !. "+$21 *"3 *,,+#-+A%!-%A .7 (+ #*,,+#-+*#13!#:!+A*,02 1!-!#+"+..*% %+ "+1!

!1!3 *, %+.+ !#."27+#. - # + +#.2"+() 1 "$+ #27 +" *, - .+.!#:*1:!#$(!.%*#*2"*,-%+F2+. "+0+#(!#$ +,*"+-*2".A%!-%!. .+"!*2. -*#-+"# ,*" *2" 62(!-!

1 .3.+7) D++0!#$ !# 7!#( % %+ J-*70+#.

*"3 .0+-? *, "+7+(3 .% 11 % :+ 0"!*"!3 *:+" %+ J02#!!:+

.0+-?4-*2"..%*21(+#-*2"

$+ -*70*2#(!#$ *,*,,+#-+.2#(+"%+ -!, 0 "!+. "+ A!11!#$ * (* .*) ++/ 7*( " ) "

%2 :)

3+( 7*( " ) "

%2 :)

3+( 7*( " ) "

%2 :)

3+( 7*( " ) "

%2 :)

3+(

1) B 55 B 55 B 55 B 55 "

= 4!70+E"!:

+'!7!+(:)

#*6 4!70+E"!:

+'!7!+(:)

#*6 4!70+E"!:

+'!7!+(:)

#*6 4!70+E"!:

+'!7!+(:)

#*6 *+1 *+1 *+1 *+1 9B 9B 9B 9B "

4 ++". #( #."27+#. "!:

+ 4 ++". #( #."27+#. "!:

+ '!7!+(#(#"):)D #-% +%

'!7!+(#(#"):)D #-% +%

'!7!+(#(#"):)D #-% +% = B5 = B5 = B5 = B5 "

=) < B))

*"+"+-+#134%+*#? 1+ 20"+7+*2"!# 62($7+#!1+(

#6 !6 "!:.)D!.%*"+ )*"- " #*%+"KB B

#6 !6 "!:.)D!.%*"+ )*"- " #*%+"KB B=4 =4 =4 =4% %+1( .2#(+"/ ;=) !#-+ :+"31 "$+#27 +"*,-%+F2+ *2#-!#$- .+. "+.!110+#(!#$

#(!#+"+."

+.% :+, 11+#!#%+1 .,+A3+ ".4%!.*2"!.*,%+:!+A ! !. !7+ * I"+:!.! #( A+ & %+ $2!(+1!#+.I) --*"(!#$134 %+

,*"+.

!($2!(+1!#+.*,-*70*2#(!#$ "+7*(!,!+( .2#(+"/

,%+ --2.+(0 3.%+-%+F2+ 7*2# +,*"+"+-*"(!#$*,%!.+:!(+#-+ # 7+13(+,+#-++:!(+#-+ 4%+#%+"!

1*2"7 11*A-*70*2#(!#$ *,%+*,,+#-+A!%*2!70*.!#$ #3-*.*"0+# 13*#%+ --2.+()

, %+ --2.+( 7 &+. %+ 0 37+# *, %+ -%+F2+ 7*2# 0*. %+ "+-*"(!#$*,%!.+:!(+#-+ 20"!*"*%+0"*#*2#-+7+#*,62($7+# 3 %+"!

1*2"4%+

+7 11*A-*70*2#(!#$*,%+*,,+#-+*# 37+#*, ((!!*# 1BH*,%+-%+F2+ 7*2#A!%%+'+$ +":!-+. 2%*"!3*".2-%*%+"2%*"!3 .%+*2"(++7.,!) - !7!1 "134 !, %+ 0 37+# *, -%+F2+ 7*2# !. 7 (+ +,*"+ %+

+..!*#.*2"*" !$%*2"!#+:!.!*#*"00+ 14.2-%*2"7 -*70*2#(%+*,,+#-+*#%+-*#(!!*#% %+ --2.+(0 3.9)BH*,%+ -%+F2+ 7*2# 3A 3*,-*..) ( !# 1134!,%+-%+F2+ 7*2#!.+#(+"+( +,*"+%!.*2"4%+,!$2"+ A*21(!#-"+ .+*H*,%+-%+F2+ 7*2#)<

B)) %+.

2*"30"*:!.!*#*, +-!*#B*,

4 +-!*# *,")))49 +-!*#>9*,+$*!

1+#."27+#.-4== A%+#+E 7!#+( 1*#$A!% +-!*#B=*,

4!#%+$2!(!#$1!$% *, %+ 62($7+#. *, %+ *#? 1+ 20"+7+ *2" !# - .+. *, 7*( " ) 7*( " ) 7*( " ) 7*( " ) "

%2 "

%2 .20"

4 8.+AG!#E0*"

8.+AG!#E0*"

8.+AG!#E0*" .20"

#6 !6 "!

#6 !6 "! .20"

41+ ( * %+ 2#+F2!:*- 1 -*#-12.!*# % %+ *,,+#-+ 2#(+" +-!*# = *, +$*!

1+ #."27+#. -4 == - # + -*70*2#(+( 11 .

$+. *, 1!!$ !*#4!#-12(!#$A%+#%+7 +"% ."+ -%+(%+!$%*2" ,+"% :!#$ ++#-*#-12.!:+13(+ 1A!% 3%+

$!.+"!

1.*%+ +..!*#.*2") #*%+"A*"(.4.2-% #*,,+#-+- # +-*70"*7!.+(8-*70*2#(+(+:+# ,+" %+0+!!*#+" --2.+(% . ++#-*#:!-+( 3%+*2"*,1+ "#+(

#(%!. 00+ $ !#.%+.

7+% . ++#(!.7!..+( 3%+1+ "#+( +..!*#. *2") B)>) %+ *#? 1+ 20"+7+ *2" !# %+ 62($7+# *, 7*( " ) 7*( " ) 7*( " ) 7*( " ) "

%2 "

%2 .20"

% 1.* +#2#-!

+( % 4 *"(!# "!134 -*.. *2$% * + !70*.+(A%+#%+*,,+#-+2#(+" +-!*#=*,+$*!

1+#."27+#.- *,==!.-*70*2#(+( .

$+A%+#.2 .

10"*-++(!#$.% :+ 1"+ (3 ++#2#(+"

&+# 3%+*2"..* .*(!..2 (+%+2#.-"2021*2.1!!$ # ,"*7 2#(213 (+1 3!#$ %+ -*70*2#(!#$ *, .2-% *,,+#-+.) *A+:+"4 (!.-"+!*# % . ++# "+.+":+( !# , :*2" *, %+ -*#-+"#+( *2" * "+(2-+8A !:+ .2-% -*..4 !# - .+ , -.8-!"-27.

#-+. *, $!:+# - .+ .* ""

#) %+ *#? 1+ 20"+7+ *2"!# - .+*,

#6 !6 "!

#6 !6 "! .20"

% "+:!.!+(%+$2!(+1!#+.4!#.*, " .!"+1 +.*%+F2 #27*,!70*.!!*#*, -*.. 20*# %+ --2.+(4 2 % . #* 7*(!,!+( %+ 1++A 3 $"

#+( !# %+ 62($7+#*, 7*( " )"

%2 7*( " )"

%2 .20"

A%!-%0+"7!."+(2-!*#*"A !:+"

*,-*.. .+(*#%+, -2 17!1!+2*, 0 "!-21 "- .+ 1 +!.2 6+-*%+ "+-*"(!#$*,"+ .*#.,*".2-%:

#-+)*"%+.

&+*,-1 "!3!!."+!+"

+( 1! +"3"+.+":+(!#, :*2"*,%+-*2".*A !:+%+!70*.!!*#*,-*.. 3 ++E+"-!.+( 3 #3*,%+-*2"..+!L+(*,%+7 +"M +!%+!$% *2"4 %+ +..!*#. *2" *" %+ 7 $!.+"!

1 *2" -*#(2-!#$ "!

1) !.4 %*A+:+"4!70+"

!:+* + "!#7!#(% (!.-"+!*#*A !:+%+!70*.!!*# *,-*..!.#** +!#:*&+( 7 +"*,*"(!# "3-*2".+)%++E+"-!.+*, .2-% (!.-"+!*# 72. + 0"+(!- +( 20*# +E-+0!*# 14 -*70+11!#$

--+#2 !#$ -!"-27.

#-+. A%!-%4 !# %+ -*#.!(+"+( *0!#!*# *, %+ -*#-+"#+( *2" .+!L+( *, %+ 7 +"4 A ""

# (+:!

!*# ,"*7 %+ $+#+"

"21+*,!70*.!!*#*,-*.)%+*2"4A%!1+!#:*&!#$.2-%(!.-"+!*#472. "+-*"(-1+ "4-*$+# #("+ .*#+(,!#(!#$.(+1!#+ !#$%+.0+-!

1, -*".% 62.!,3 %+ A !:+") %!. "+F2!"+7+# !. !# -*#.*# #-+ A!% %+ 1+$!.1 !:+ !#+# #( %+ 2#(+"13!#$ 02"0*.+ .*2$% * + -%!+:+( 3 %+ -"!7!# 1!L !*#*,%+ -*,(!.%*#*"*,-%+F2+4!)+)*!#-21- +,!# #-!

(!.-!01!#+ #(20%*1(%+-"+(! !1!3 #(.

#-!3*,#+$*!

1+!#."27+#.) B)B)

!11,2"%+"4%+!#%+"+#62"!.(!-!*#*,%+!$%*2"2#(+"

+-!*#B=

4!.0"!7 "!13 !7+( 0"+:+#!#$ 2.+*,62(!-!

0"*-+.. #( .+-2"!#$ %+ +#(. *, 62.!-+) %2.4 A%+"+ %+ (!.02+ !. +..+#!

1130+".*# 1!## 2"+ $+#2!#+-*70"*7!.+% . ++#"+ -%+(4 %+ !$% *2" 7 3 !#+":+#+ * F2 .% %+ -*#:!-!*#4 "+-*$#!L!#$ % -*#!#2+( 0"*-++(!#$. A*21( + #*#0"*(2-!:+ #( 2#62. !# %+ $!:+# -!"-27.

#-+.)%+!#%+"+#0*A+".*, !$%*2" "+!#-!(+# 1"+01++ 0*A+".4!#%+ .+#-+*,A%!-%4%+*2"A*21( +* 1!$+(*.!.!11 %+101+..13 A!#+.. %+ 0"*-+.. *, 1 A +!#$ 2.+( ,*" %+ 02"0*.+. *,

!#62.!-+) # *%+" A*"(.N .2-% 0*A+" .

!. !#"!#.!- * %+ !$% *2"4 ,*"7!#$!.:+"31!,+ 1**(4!.:+"3+..+#-+4!.!77 #+# "! 2+)G!%*2 .2-%0*A+" .

4 !$%*2"A*21("+ !#,*"7 21 -&.2 .

#-+)%+.+ 0*A+". *, !$% *2" %+#-+ (+.+":+ * + -*#."2+( A!% %+ A!(+. 0*..! 1+ 701!2(+)%+.+!#%+"+#0*A+". "+!#-*#.*# #-+A!%%+# 2"+ *, !$% *2" A%!-% *2$% * +4 #( % . !# , - ++#4 !#:+.+( A!% 0*A+" .

*7 !# !#!. 2%*"!3*0"+:+#%+0"*-+..*,1 A8*2".,"*7 +!#$* ."2-+(*" 2.+()!. "!+0*.!*,62"!.0"2(+#-+% %*2$% A. +70 * (+ 1 A!% 11 - .+. % 7 "!.+4 %+ !#,!#!+ :

"!+3 *, -!"-27.

#-+.A%!-%.% 0++:+#. #(%+!70+",+-!*#.*,1 #$2 $+7 &+! !70*..! 1+*1 3(*A#0"*:!.!*#.- 1+*,$*:+"#!#$+:+"3- .+4A%!-%!# , - "!.+.)!$%*2"A%!-%+E!..,*"%+,2"%+" #-+*,62.!-+!# !#(+, !$ 1+ 7 ##+"4 .%*21( %+"+,*"+4 % :+ 2#,++"+( 0*A+" .

* (+ A!%.!2 !*#.A%!-%4%*2$%#*+E0"+..130"*:!(+(,*" 3%+1 A4#++(* + (+ 1 A!%4 * 0"+:+# !#62.!-+ *" %+ 2.+ *, %+ 0"*-+.. *, 1 A *2".)%+62"!(!- .!.*,%+.+01+# "30*A+" .

!.%+ 2%*"!3N!#, - %+.+7!# 1(23 #("+.0*#.! !1!3*, !$%*2"N*20%*1(4*0"*+-

#( * ,21,!11 %+ 62(!-!

1 ,2#-!*# *, (7!#!.+"!#$ 62.!-+4 !# --*"( #-+ A!%1 A4!# "+$21 "4*"(+"13 #(+,,+-!:+7 ##+")#*%+"A*"(.N +-!*# B=*,

4"+,1+-.0++"1+.. #(!#%+"+#0*A+".4*, !$%*2" A%!-% 7 3 + !#:*&+( A%+#+:+" ! !. 62. #( +F2!

1+ * (* .*4 !# "!-21 " * +#.2"+ %+ * .+":

#-+ *, %+ (2+ 0"*-+.. *, 1 A4 * 0"+:+# :+E !*# *" *00"+..!*#4 * (* 62.!-+ # 3 .2 .

1 62.!-+ +A++# %+ "!+. #(*.+-2"+%++#(.*,62.!-+)%+"+,*"+4%+!$%*2"4!#%+ +E+"-!.+ *, !. !#%+"+# 0*A+" 2#(+" .+-!*# B=

4 % . %+

(!.-"+!*#*F2 .% -*#:!-!*#A%+"+%+0 "!+.% :+"+ -%+( 7!- 1+ .+1+7+#40"*:!(+(% .2-%-*70"*7!.+#+!%+"!70!#$+20*#%+02 1!- !#+"+.#*"2#(+"7!#+%+- 2.+62.!-+4 .A+11 .%+.2 .

162.!-+) 5) +:+"!#$*%+, -.*,%+- .+!#% #(4!!.#*(!.02+( 3 %+-*#-+"#+("!:

10 "!+.% 7!- 1+.+1+7+#% . ++# ""!:+( +A++# %+7 #(4 %+"+,*"+4 -*70*2#(!#$ *, %+ *,,+#-+ #( #+-+..

"3 ,2"%+" (!"+-!*#. % :+ ++# .*2$% ,"*7 %!. *2") 0+"2. 1 *, %+ .+1+7+#8 $"++7+# ( +( )=)B .

+( * + ""!:+( +A++# %+ "!+."+,1+-.% %+0 "!+.% :+.*2$%*"+.*1:+%+!"(!.02+ .

!#**

#( 2"3%+% -%+)*#.+F2+#134!#%+-*#.!(+"+(*0!#!*#*,%!.*2"4 %+ , -2 1 7 "!E *, %+ - .+ "+F2!"+. % %+ *,,+#-+ .

*2$% * + 0+"7!+(* +-*70*2#(+( #(%+0+!!*#+"(+.+":+.* + -F2!+() 5)) D++0!#$ !# :!+A %+ +#!"+3 *, %+

+#(!#$ , -.8-!"-27.

#-+.*, %+- .+N +.0+-!

113 , -27*,%+0+!!*#+"% :!#$ .2,,+"+(!#- "-+"

!*#,*" *27*#% ,+"% :!#$ ++#-*#:!-+( 3%+

+..!*#.*2"4%+0+!!*#+"% :!#$, -+(%+A"

%*,-"!7!# 11!!$ !*# .!#-+ *2%+3+ "N%!.*2"(*+.#*(++7! 00"*0"!

+*.

((1+ %+0+!!*#+"A!%-*..) 9) #:!+A*,%+0"+:+#!+#"

!*-!# !*#4!!.*"( !#+(%2./ !

%+ !702$#+( 62($7+#

.+#+#-+ ( +( 8)9)9 0 ..+( 3 1+ "#+( 2 !:!.!*# 1 2(!-!

+4 ..

#(%4 !# *701 !# *)58> !1+( ; #&'():+".2.

!" !#$%<4A%+"+ 3%+0+!!*#+" . ++#-*#:!-+( #(.+#+#-+(,*"*,,+#-+2#(+" +-!*#= *,+$*!

1+#."27+#.-4== #(A .(!"+-+(*0 .27*,.)B4484 .-*70+#.

!*# #(!#- .+*,(+, 214

*,2"%+"2#(+"$*.!701+!70"!.*#7+#,*">7*#%.4 #(%+ !702$#+( 62($7+# ( +( )) 0 ..+( 3 %+ 1+ "#+( ((!!*# +..!*#. 2($+4 D "# 14 !# "!7!# 1 00+ *)584 A%+"+ 3 00+ 1 ,!1+( 3 %+ 0+!!*#+"

$ !#. %+ 62($7+# #( *"(+" ( +( 8)9)9 A (!.7!..+(4 "+.+ .!(+ #(%+0+!!*#+"!. -F2!+() !!

%+"!:

10 "!+..% 11"+7 !# *2#( 3%++"7. *, %+ .+1+7+#8 $"++7+# ( +( )=)B ##+E2"+ +#+"+( !#* +A++# %+ 0 "!+.) # - .+ *, #*#-*701!

#-+ %+"+*,4%+ $$"!+:+(0 "3.% 11 + 1! +"3*.++&"+- 11*, %!.*"(+"4 1 +!20*#.%*A!#$.2,,!-!+#- 2.+)!.-1 "!,!+( !# - .+ #*#-*701!

#-+ !. ,*2#( * + .%*A#4 %+ +""!#$ "37 3 +.

((1+(A!%+E+701 "302#!!:+7+ .2"+ .

) !!!

**"(+" .*-*..) !:

+#(!#$ 001!- !*# .

4!, #34.% 11 1.*.

#(.(!.0*.+( *,) '

#2 "345 #2 "345 #2 "345 #2 "345 :!" G%+%+".0+ &!#$8"+ .*#+(/

+.8* G%+%+""+0*"

1+/

+.8*