P. 1
Cumulative Deposit Scheme

Cumulative Deposit Scheme

|Views: 8|Likes:
Published by hisri6350

More info:

Published by: hisri6350 on Sep 24, 2011
Copyright:Attribution Non-commercial

Availability:

Read on Scribd mobile: iPhone, iPad and Android.
download as DOCX, PDF, TXT or read online from Scribd
See more
See less

11/10/2014

pdf

text

original

CUMULATIVE DEPOSIT SCHEME

Primarily a hosuehold saving plan, the Union Cumulative Deposit Scheme encourages small investors to save in easy monthly instalments over a fixed period of time. Monthly installments can be for any amount starting from as low as Rs.50/- onwards An account can be opened for any period ranging from 6 months to 120 months, in intervals of 3 months The installment amount selected a the start of the scheme will be payable every month The number of installments once selected, cannot be altered. However, in the unlikely case of the monthly installment being discontinued for a valid reason, the account holder can convert the amount of installments already paid, into Fixed or Reinvestment Deposit for a period longer than the remaining period of the Cumulative account. For the period the cumulative account has run, compound interest at the applicable rate is payable Interest at the permissible rate is compounded every quarter. The maturity amount will be paid one month after the deposit of the last instalment (latest table giving maturity values available with the branch A pass book will be provided to the depositor

 

 

 

DEPOSIT REINVESTMENT CERTIFICATE  This is an ideal scheme for investing a lump sum amount where interest is compounded quarterly and paid along with the principal amount invested.

Deposits can be made for any period of time from 6 months to 120 months. Deposits can be accepted even for odd periods of time like 37 months, 65 months and 6 days and so on. Minimum amount of deposit will be Rs.100/- in Rural/Semi-urban centres and Rs.500/- in Urban/Metro centres and in multiples thereof. Interest at applicable rate for the period for which the deposit is kept, is automatically reinvested at quarterly intervals. As the Interest is compounded, the amount invested multiplies and matures into an attractive lump sum, thus doubling over a period of time. (Please check with the branch nearest to you for the latest table available on maturity values).

MONTHLY INCOME SCHEME

True to its name, the scheme features interest is payable at the contracted rate every month, on the fixed deposit which is

PERIOD OF DEPOSIT The Fixed period will vary between 46 days to 5 years.  Interest is paid monthly at the discounted value (Please check with the branch nearest to you for the latest table on monthly income slabs).000/. you get the convenience of a free ATM Card.  WHO CAN OPEN AN ACOUNT All individuals. To put it simply.000/. Interest is paid/credited to the Savings/current/Cumulative account of the depositor during the last week of every month. Whenever the outstanding balance in Savings Bank Account goes below the stipulated amount the gap will be bridged by transfer of required funds from depositor‟s Fixed Deposit Account in multiples of Rs 1.accepted for any period from one year to ten years. have the best of both worlds! And.In case of NRI Deposit. AMOUNT OF DEPOSIT  A minimum Rs 10. What‟s more.  UNION FLEXI-DEPOSIT Now. with UBI‟s Flexi Deposit Scheme you can just sit back and relax. First such interest will be paid in the month.this scheme is also open to Non-Resident Indians who are eligible to open an account as per or existing rules and regulations. HOW DOES THE SCHEME WORK  The depositor opens a Savings Bank Account with a minimum amount of Rs 10.for a fixed maturity period. following the month in which the deposit is kept. minimum period will be one year.as a Savings Bank Account.000.000/. SALIENT FEATURES PURPOSE This all-new Deposit Scheme has integrated features of the Savings Deposit and Fixed Deposit.000/. singly or jointly who are eligible to open Savings A/C. while you enjoy the high returns of a Fixed Deposit in your regular Savings Account.and will issue standing instructions to UBI to maintain a certain predetermined balance through out the tenure of the account and to transfer the surplus funds over and above the said limit to a Fixed Deposit Account in multiples of Rs 5. namely liquidity with higher interest returns on surplus funds.with a minimum of Rs 5. .

a international debit card will be issued free of cost to all deposit holders under this scheme if requested for at the time of opening of the account. for acquisition of new asset under the respective Section of the Income Tax Act. DEPOSIT 'B' . Under this scheme. Capital Gains Exemption Deposit Scheme The Scheme is in force from 22nd June. The amount so deposited under this scheme would be required to be utilized by the assesseE. OPENING OF ACCOUNTS   Accounts under the Scheme can be opened only at Semi-Urban / Urban / Metropolitan Branches. STATEMENT OF ACCOUNT   Statement of Account will be issued to the depositor wherein all the details of Fixed Deposits. 1988. Interest will be paid on a quarterly on the Fixed Deposit account. within the specified period. Savings Account and interest credited will be recorded.000/-. RATE OF INTEREST As applicable to Savings Bank Deposit and Fixed Deposit in force from time to time. 1. DEPOSIT A  The deposits made under this account shall be in the form of Savings Bank Deposits.p. increased in multiples of Rs 5. No loan / overdraft / lien will be sanctioned / permitted against FDR held under this Scheme. Two types of deposit accounts can be opened under this Scheme. Roll over of deposit on maturity is permitted. No separate Deposit Receipt shall be issued by the Bank.as a Term Deposit(Fixed Deposit). A penalty of Rs 25/.000/ . 1961. the tax payers can avail of the benefit of exemption from Capital Gains. if the amount of Capital Gains or the net consideration is deposited in the bank on or before the due date of filling the return of income. Nomination facility is available. OTHER FEATURES       Free credit card to depositors who maintains a minimum balance of Rs.m will be levied in case of non-maintenance of minimum balance in the Saving Account and / or in Fixed Deposit A/C is reduced below the minimum level of predetermined sum. A Minimum of Rs 5. In selected cities.00 lac.

with an option to retain the deposit either as cumulative i. similar to our Fixed Deposit.  WITHDRAWLS  Withdrawals under Deposit Account „A‟ can be made from time to time by the depositor. similar to our DRC Deposit or as non-cumulative i. Senior Citizens Scheme Union Bank offers an additional rate component (over and above the normal interest rates applicable) to senior citizen on any size of deposit in all of its domestic term deposit schemes. 1) Senior School Leaving Certificate indicating date of birth. This additional rate component. Such deposits may be made as a single lump sum amount or in instalments at any time on or before furnishing the return of income. 2) LIC policy 3) Voters Identity Card 4) Pension Payment Order 5) Birth Certificate issued by the competent authority 6) Passport 7) Any other document acceptable to the bank VERIFICATION Once the age of a senior citizen is verified for accepting deposit under the special scheme for senior citizens. JOINT ACCOUNT . no further proof of age is required while accepting subsequent deposits or for renewal of deposit of the senior citizen.e.  Withdrawals under Deposit Account „B‟ can be made after the expiry of the deposit period . the senior citizen may produce any of the following documents as proof of age. DOCUMENTATION At the time of opening of a new deposit account. applicable to domestic term deposits of one year and above is 0. Deposit made under this account will be in the form of Term Deposits.50% over the normal rate. subject to prevailing terms and other provisions of the Scheme. ELIGIBILITY Any person who has completed the age of 60 years is treated as a senior citizen for obtaining the benefit of the additional interest.e.

Assam. Note: If at any point of time the balance in the NO FRILL ACCOUNT exceeds Rs. Nomination facility is available. withdrawals will be through withdrawal slip. One ATM / International debit card will be issued to the account holder. Entries above 30 will be charged @ Rs.e.5/. Salient Features of “NO FRILLS SAVING ACCOUNT”  All resident individuals eligible to open a "No frills saving account" subject to the conditions that only one member of the family can open such account in single/joint name/s.25/No penalty for non-maintenance of prescribed minimum/average quarterly balance. Withdrawal of cash will be available only through ATM wherever online ATM facility is available. No cequebook facility will be available.or total credits in the account in a year exceed Rs.000/-. Minimum balance required in the account is Rs. the account will be treated as normal saving bank account and the facilities attached to "NO FRILLS" .50.000/. At other branches. There is no restriction on entries for deposit of Cash/Cheques in the account. Total credits in the account should not exceed Rs. In such cases the name of the senior citizen is to be given as the first name in the application. Meghalaya. NO FRILLS SAVINGS ACCOUNT Open a “No Frills saving account” with UNION BANK OF INDIA and avail world class banking facilities maintaining nominal minimum balance. Mizoram. Arunachal Pradesh.  Clean overdraft upto Rs. The balance in all the accounts of the accountholders taken together in the bank should not exceed Rs.000/-.50.Senior citizen may deposit jointly with other persons below the age of 60.500/-once in a year (Conditions apply). under the special scheme for senior citizen.in a year. Number of free customer induced debit entries will be restricted to 30 per half year including debit entries through ECS/ATM.100.in non-CBS branches and in CBS branches average quarterly balance of Rs.25/.per entry. Nagaland & Tripura.           Special facilities under "No Frills Account" for residents of North-eastern states i. Manipur.100000/.

free of cost . enjoy the benefits of phone banking (Union Dial). is provided to the USSA holder at the time of opening. free of cost. USSA holder can apply for an overdraft facility to the extent of 90% of the net salary credited in the previous month. bearing VISA logo USSA holder can transact through internet (Union e-Banking) from his place of residence/work or anywhere.. Internet Banking (Union e-Banking) PIN. USSA holder can. USSA holder can also access over 1 million ATMs. USSA holder can avail SMS Banking services for his account.will not be available. with salient features as under:  Employees of any Corporate. but the average monthly salary size of the employees of the Organisation should be Rs10000/. any time.  Net salary of an individual can be below Rs10000/-.50 lacs. by dialling the telephone numbers specified. containing International Debit Card. etc. with employee strength of minimum 15 and minimum net monthly salary disbursement not less than Rs. as under:ATM Banking Net Banking Phone Banking Branch Banking USSA holder can use his Debit Card at over 1200 Union Bank ATMs at various locations in India. Union Super Salary Account (USSA) USSA is a unique product packaged to suit the salaried class. can open USSA with us. USSA holder can also access.or above. which will be considered at the discretion of the Bank. around 32000 ATMs of other Banks. Govt. globally. Dept.1. USSA holder can use his multicity cheques for cash withdrawals/ payments at any Union Bank branch located in all prime centres in India. Minimum 15 employees should open account with us at entry level . for cash withdrawals in India. The Welcome Kit facilitates the USSA holder Any Where/Any Time Banking of his choice. Phone Banking (Union Dial) PIN and Multicity Cheque Book. subject to a ceiling of Rs 50000/-. Comprehensive Welcome Kit. Business Organisation.             . Institution. USSA holder can avail RTGS/NEFT/Intersol transfers absolutely free.

10000/. USSA Opens doors for a wide range of additional financial services.000/-. Demat. during a month subject to maximum ceiling of 10 times Core Amount. Example: Core Amount Rs. Comfort). with flexibility of Step Up and Step Down options.  USSA can be opened with Zero Balance.00.       Step Up option :  Depositor can increase (Step up) the monthly installment amount upto 10 times the Core Amount during any month. For accounts opened on or after 01. such as Retail Loans (Home.2009. SALIENT FEATURES :  The Scheme is available to Individuals / Institutions / Corporates / Proprietorship / Partnership / Trust / HUF etc. a customer can also reduce the same (Step Down).& Maximum Rs. The customer will have to select the “Core Amount”. The installment can also be deposited one or more times.1000/Customer can deposit maximum upto Rs. of monthly installment. Minimum Core Amount is Rs. initially..  UNION MONTHLY PLUS A Novel User-friendly Recurring Deposit Scheme. for the minimum balance between the10th & last day of the month and will be credited quarterly. The Scheme offers flexibility of depositing monthly instalment amount.05. at the time of opening the account and deposit the same. Rate of interest on this scheme will be as per the Term Deposit rate applicable for the period. maximum amount that can be remitted during a month including step up is limited to Rs100000(Rupees One Lakh Only)  Step Down option :  After stepping up the instalment amount. Interest will be calculated on monthly product basis. in multiple of one month. Mutual Funds.per month. The period of deposit will be from 6 month to 60 months. Vehicle. Online Trading etc.1. subject to usual terms.100/. Insurance (life/non-life). by way of Step Up & Step Down options. . but the same should not be less than the Core amount. in any subsequent month/s. Union Bank of India reserves it‟s right to change/alter/withdraw the terms and conditions of the scheme.

Issue of term deposit receipt: The term deposit receipt shall bear the name. until further announcement or otherwise withdrawn. UNION TAX SAVER 1. The product will be available for investment. Loan facility is permitted upto 75 % of the deposit amount. no penalty will be levied on delayed instalment. UNION BANK OF INDIA RESERVES THE RIGHT TO CHANGE / ALTER / WITHDRAW TERMS AND CONDITIONS OF THE SCHEME. at 2 % ODR. The single holder type of deposit shall be issued to an individual for himself or in the capacity of the Karta of the Hindu undivided family.. 4. Clubs. are not allowed to invest in this product.thereof and maximum limited to Rs 100000/. the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit. 2.     Premature closure is allowed. Forms of term deposit: The deposit will be accepted in the form of DRIC or Fixed Deposit or Monthly Income Scheme. . Trust. 5. 7. along with other particulars. Institutions. In case of joint holder type of deposit. For further details. at the time of availing loan. No penalty will be charged in case of premature closure. 3. like other Deposit Scheme.in a financial year. Societies. Corporates etc. Authorised Branches: The deposit will be accepted by all branches across the country. address. Investment: The amount to be invested in the term deposit of the Bank shall be a minimum of Rs 5000/. Nomination facility is available. Types of term deposit: The deposit can be of Single holder type or Joint holder type. as the case may be. 6. Permanent Account Number and Signature of the depositor. Companies. Period of deposit: Deposit will be accepted for a minimum period of 5 years and maximum period of 10 years.and in multiples of Rs 1000/. The joint holder type of deposit receipt may be issued jointly to two adults or jointly to an adult and a minor and payable to either of the holders or to the survivor. please contact our nearest Branch. Similarly. Eligibility: All individuals and HUF having PAN are eligible to invest in this product. Firms.

Encashment on maturity: The maturity period of term deposit receipt of any denomination shall be minimum five years commencing from the date of the receipt and maximum being 10 years. Rate of Interest: Rates of interest as applicable to general Term Deposits will apply. 9. 11. with in eligible investments. 14. 13. 10. . The said Term deposit will not be transferred to any other Bank. Senior Citizens will be eligible for additional interest as per the extant policy of the Bank. No nomination shall be made in respect of a term deposit applied for and held by or on behalf of a minor. A penalty of 1% reduction in the applicable interest rate/ contract rate. Tax liability on interest on the deposit: Interest on these deposits shall be liable to tax under the Income Tax Act. 12. only after the lock in period of 5 years. This will be subject to the terms and conditions governing such loans/advances. which ever is less. Benefit Under Section 80 C: Exemption under section 80 C of Income Tax Act can be claimed by the depositor in case of single depositor or the first holder in case of joint depositors for a maximum amount of Rs100000/-. at either of the two branches. Nomination: Nomination can be made for the deposit as per extant guidelines applicable.8. No term deposit shall be encashed before the expiry of five years from the date of its receipt. Premature encashment: Any encashment/withdrawal of the term deposit after completion of 5 years and before the originally contracted maturity period will be treated as premature encashment. 15. Transfer of deposit: The deposit may be transferred from one branch to any other branch of Union Bank of India on the depositor making an application. TDS will be applicable as per extant guidelines. 16. will be levied. Pledging of term deposit: The term deposit can be pledged to secure loan or as security to any other asset. Payment of Interest: The interest may be paid either in lump sum at the time of maturity or it may be paid every quarter or every month in accordance with the regulatory guidelines for payment of interest on the nature of term deposit chosen.

3/0/ 05489 3.0 .3805489.0/0548934:770:.0204:.$.0303.. 3005489$.43...7/   $%%&#$ !&#! $ %8.206:/99073907089709:738438:75:81:3/8    $%$ # O %0/054894745038.9:7084190$..072439  7898:.3907089-05.90/10..4:39 %45:99825 . 04:03490 709:73841./3902439 144390 24393.4:399.9 82470 4:0990.1700%.90/054898059  O &  ! $%  4 9& 8005489$.38..83907..3/70.041.38.8900410...9.020.232:2.3:8989-.7$.4:394190/0548947/:7390.090 -08941-4947/83/ .24:3941#8  ..:2:.3..

0908.3..39...0974:4:990903:704190.-4.4:3932:9508 41#8 .3810790 8:75:81:3/84.07.943894&942.4:39./2994.3/9497.3.0/05489.3 570/0907230/-..3/.3/88:089. ..3/33897:.079.

232:241#8 . 9.

./:..4:3932:950841#8  O   ! &% 3/.07904:989.8 83474394.700-0944503$.3.24:3990.9:795074/  030..03$.10/2..3/3-.3.5-0-7/0/-97..3810741706:70/1:3/81742 /0548947 80/05489.38.4:39408-0490 895:.90/.38. 147.

84 45039443 #08/0393/.384.78 3.7   &% ! $% O 232:2#8 ..0208... 988.4:39.3/70:.85074708937:08 .8940.3..8041#05489 232:2 5074/-04300.9438  !#  ! $% %00/5074/.7-09003/.700-0944503.

..4:39  .38.3.8.$. .

O 32:241#8 .

 .70.80/32:9508 41#8 .%07205489 0/05489 3.8.

./43.70/9.790743900/05489.4:39.90/09./05489 4/078:3/07988.0598...0741/05489432.3  O %#%&#$ O O O O O O 700.47/0/  O 4805.4:39  #44.0174292094920  3907089-05..0201706:0890/147.3/0/054893147..  3800.39.38./0-9..232:2-.55.99092041450334190.041#8  .3/3907089..3..38.7/-088:0/170041.7/94/0548947842.7..  #% %#$% 8.305489.9005489#0.9:7985072990/  503.39073.4:39-088:0/9490/05489470703.70/90/-070.90/.908 .38..-088:0/-90.48994...943.4:39  $%%%  &% $9.-094$.6:.941#8.8410/ 054898 $.90203941..

4:39..3.0/3.3903.8041343 2.0390$.3..041232:2 -.. 5 2-00..3/.3.

4730/05489.

98.-0  44.870/:.9431..3..041570/0907230/8:2  423.0/-0490 232:20...

19.07/7.4.

3.03-08.9430/.

90411390709:73413.0204:/-0706:70/94-0:90/-90.9$02 &7-.59..880880 9390850...389#0/:3/0798 $.5.420%. .3-045030/43.3802594305489$..017423/:30  %0.078.34347-0147090/:0/.020   %0$..6:89434130.10/5074/  147.38 190...3.4190-030194100259431742.24:3984/054890/:3/0798 8.3.24:3941.9     &3/07988.8809:3/079070850.59.438/07.020  .94341903..0$0.420  !  &%$ .5072990/.020.59.020 909.9..4:398:3/0790$.02083147..9438/054890/390 -.384790309.

&7-.3.

.3 054898  ! $%   .08  O %4950841/05489..020  O ! $% O %0/0548982. 0974549.38.37.3...-0390147241$./0:3/0798.4:398..4:398.3-045030/:3/0798$..

0593/05489:3/0790850./0174292094920- 90/0548947 8:-0.4:39  .41/05489419080347.90.42543039 .:2039..903/.059.885479 34907/4.020 &343.020  9/7..4198/42089.08706:70/0..830:258:2..3907089   &%%  990920414503341.0..041.9038 341:79075744141.2039 7/07 790791.3411078.390/054890907./0548982./0:3/0798.34594394709.:2:.-4.-09490-.788970.24:39473389.55.80347.8..0710/147.903   % &% .-02.4:39  .07903472.0 0 82.-4.90343..9088:0/-90.8343 .090.3.42509039.08  4.//943.85744141..9072/054898414300.0         $0347$.05938:-806:039 /054898471477030.994570.3907089 7.38041/054893.9041-79  54..9..9 ..3-02.//943.30/05489..0 0 82.3/.7.020 14780347.8:3/0705489. '49078/0399..9032.7944:70/05489  $:..3/ .90.7/ !03843!.90  % 35078434.80347..-094/42089..30791./0..4:39 9080347.07.1907900574190 /054895074/  O $03479038$..908.20398.//943.55.8:3/0705489..8..440.7.42543039 4.9..574/:..7./0.84384190 $.9072/05489 8.041 0.3-02.O 054892.903147 4-9.3/4907574.:20398.425090/90.0903472.93/..-0 9480347.3390-030194190.341 901443/4.8.3 '#%  3.:2:.7944:7# 0548947.39204347-014701:738390709:73413.4:39-0390147241%072054898 9 .8.8.420  O %#$ O 9/7.7.0208  %8.9038.390728..:9479 !.90/.

.3/.20419080347.903 38:.3.41788..9082.4:398:-0....9:70841  #$$' &%  O 708/0393/..88 -...232:2-...3.333423.4:39 9&  .39.0  $.943    #$$'$ &% 503.345038:.55.3...903894-0 ... 4788.47/.8.99490 .03.9032.20390.943430202-0741901./:.02014780347.../05489439949075078438-0490.808903.89017893...80-0944503.$0347.041 :3/0790 850.331.2..4:393830.43/94389.0390.

20.439 3.

4:398#8 ..8  32:2-.0706:70/390..3..

3.041#8 .08. 3343 $-7.07..08..3.3.06:.3/3 $-7.7907-.

 4503.3.7-0/232:2.9147343 2.3903.0415708.

.06:.0  4..-0  30%..07.7907-....3..06:0-441.9-0.

..7/-088:0/9490.7 3./0-9.4:394/07  9/7.39073..:/3/0-9039708974:$.8-0.3....90/94 507.943.41.10...:8942073/:..0//0-9039708-070897.-0 94907-7.074330% 1.-043974:%070.08 9/7..85  :2-07411700....98.8-0974:9/7..

.% 39708.70/ #8 .-4.0 -0.

4:3984:/3490.00/#8  .. 5070397  %49...70/98390.

3.0.94343039708147/0548941.8.7  %07083470897.

90..00/#8  ..3 84:/3490.3..06:08390.4:3984190.03.03940907390-...9431.4:39  423...98..-0  %0-...4:394/0789..

1.!7..2 ...19:594#8  ..  O 0.34.07/7.2 .... 47..908 0  7:3..8907389.  O O O O O O O O O O $50.35:7 0.908:3/07478.4:39147708/039841479 0./08 88.3/ %75:7.

9.55    4901.03.0.00/8 #8  .3.0390 # &%0.354394192090-.. 43.7 43/9438.

.00/#8  ..0. 47949..70.70/98390.4:393.

90.3/901....4:39 -0970..4:39.90/.0/94 #$ .908..83472.8.99.3-..3..

943 4.95.9:708.3/232:230924398..70/.88 98.....33/...7 /8-:78020393490889..-0   &343$:507$.  902540089703941232:2.03910.3#8   .:36:0574/:..9 059 09.34503&$$9:8  O 098.347547.90 3899:943 :83088 7.8 .4:39 &$$   &$$8....741..349-0.8:3/07 O 25400841.0/948:9908./:.38.3-0-04#8 .7...

7 80419002540084190 7..024398. -:990.38..94384:/-0#8 .07.

439.00.9.-4.0  42570038. !.4209 .33 &343.90890&$$4/073070.0-9.903970.33 ! !430.. 47.3339073.943.33 &3430 ./0/9490&$$4/07.4209 1..9909204145033 %00.7/ 3907309.0  32:2025400884:/4503.3/:9.906:0 44 8574..4:399:8.

943833/.89/7.9974:3907309 &3430 .38 147 ..74:8 4.9.3.  O &$$4/07.07243%8 4-..088 170041..489 ... 170041.3%20.041 708/03.33 7..3.07 &343.3:8080-9...4.8:3/07  %.397.833/..94..33 174285..0 ..489  O O O O &$$4/07.84.33 09..73'$44 O O &$$4/07.33 &$$4/07.0884.3%8.33418.33 !430.0. -0.7/.3.74:3/ %8414907..38..84.

4747.3:8082:9..8.39090054303:2-078850.  O &$$4/07.3 -/..3920  &$$4/07.06:08147.9.33 &343.3070 ...89/7.10/ 03490-03019841 5430-.

.#%$.4.5.$$..3.9.3-7.3.081478.90/3..5720.03970833/.3 &343.20398.....4:39  O &$$4/07.3..  O &$$4/07.33807...

%.

7 .191..-84:901700  O O &$$4/07.70/90/390570..34.3.55147.0341#8 .4:82439 8:-0..381078.994.39078497..07/7.994900903941 41903098.

990/8.3  .-0 .438/070/. .709434190.

807.0 421479 38:7.O O &$$.3.13...08 8:.3041..0 10.//943. 4..3-045030/9074.3.8#09.3./07.0  &$$ 5038/4478147..38 420 '0.

994:8:. 8:-0.3413/.343 10 :9:.089 87994.30./309.:3/8 02.70807..90728  &343.9  330%7.

907..

43/943841908.2039  $%%&#$ O %0$.0208.020 910-941 $905&5.020  O  &  %!&$ 4.3/$90543459438 412439389..8.3/ ..:77305489$.0&807 1703/#0./:.-0943/..9/7.9090728.

3899:9438.

908.47547.

!7457094785.

 !.7930785.

%7:89.

.  %0.4:39.20 39.990 47024:39 ...  32:247024:398#8  .990920414503390 .&09.3//05489908.:894207.094800.

 .2:2#8  .

2039.24398:-0.32439 %0389.41902439.88 14790232:2-..70/90/6:.2039.84-0/054890/430472470 9208 /:73..7907  %0$..3.3.24:39:594 920890 47024:39/:73.55.020-0.89/.0341 920847024:39  .24:39 -.02041107810-941/0548932439389.0 -0900390 9 .2039...33.90.9-.41 $905&5 $90543459438  O O O O O O $905&545943 O 0548947.:.9942.9041390708943988.90/432439574/:.850790%072054897.  %05074/41/05489-01742243994 24398 32:950414302439  #.80 $905:5 902439389.3/-0.-014790 5074/  3907089-0..70.2:2.25047024:39#8  .

 :894207..3/054892.2:2:594#8  .

38:-806:0392439.9.3-0702990//:73.20 $905 43 3.24:39 ...2:2.4:39845030/4347.0908. 24393.8470/:..:/38905:58290/94#8 #:5008 30. 5072439  47.:894207. 3  O $9054345943 O 1907890553:590389...1907     2.3.2039.24:399.

8 -:9908.24:39  .2084:/349-00889.390470 .

.70/3...48:708.40/  4503.9431.0/43/0.48:70  $2..0/389.020  4.7 34503.2039  423.99092041.80415702...985072990/:5944190/05489.9-0.24:39 ..9-00.-0 0490705489$.3 .9 #  &  #$#'$%#%% .O O O O O !702.98.9:70.9:70..3 4.31..

%#.

94:730.33/..79.24:3994-03.8 50.-088:0/4399494.308 %7:89 $4.3/&.94190.2 %04394/0795041/05489 70.700-0943.70 349..3.3!. %# %#$ % $ %$   471:7907/09.9    %508419072/05489%0/05489.0892039%0../:..0908 :-8 3899:9438 47547.0592.2347.0890/3909072/054894190.5.47  3.-043949017894/074190/05489    3. ..8.3/./:9..98.38.70897.  & %$'#     -93/.90809.9 728 425.089398 574/:.-0.-088:0/94.41903/::3/.3.439.-0.-094090741904/0784794908:7./:984743994./0/1.94317423.420:3/0780..80..3-041$304/07950474394/07950  %08304/0795041/054898.089398574/:.40/943..80414394/0795041/05489 90/0/:../:.943  4190.3/ 5. 232:241#8 ..147280147390 .

3/32:950841#8 . .

907041.3/2.2:2290/94 #8 .

:...9-0.020    88:0419072/0548970.0590/-..7 %0574/:.3.4:39:2-07.232:25074/410.78    4728419072/05489 %0/05489-0. 3..08..0598..-7.0590/390147241#470/0548947439 3.79.4:397  .890.334:3.02039474907809/7.059%09072/0548970...3/ 2.-01473.2:25074/41 0.-0.748890 ..420$.0892039 :39 1:7907.3.78    :94780/7.78.802.9:704190/0548947 .08%0/05489-0.0590/147..7903.-0    !074/41/0548905489-0.3.13.4394907 5..20 .3/$3.3 .//7088  !072.3039...0.

3    !0/3419072/05489%09072/05489.3810770/94./%072/05489349-097.4.3.07338:.3.78 %8-0 8:-0.9949090728.34907.41&343.943 .34907 -7.  %7.35074/410.3-050/0/9480.3.08 %08.4390/05489472.94.8 80.3.909074190 94-7.8809 43.3.:7994.3810741/05489%0/054892.43/94384.55.34907.1907904.38.3413/..347.3/.-097.:704.3810770/1742430-7..

3174290/.3/2.2:2-03 0.80/-014709005741 1.05941.-0232:21.82039303.78 49072/054898.78174290/..059 .90419070.9:79%02..9438..9:795074/419072/0548970.90419870..42203.08   3.00.3 /03423.82039.78.059   !702..82039432./.9:7003.00..-003.3.

.9:7003.82039 503.4397.-03907089 7..90/.4250943410.9/7.1907 .90/2.41909072/05489.3/-0147090473.943390.94170/:.78.90.55.9:795074/-0 970.85702....

.3..3/ 0/-4743-0.-0940307.9072/05489.85079009.2347   %.9438./0370850.-0.076:.943 025943:3/0780.3954..-094 9.9.47/.203941390708943903..4190 .-94339070894390/054893907089439080/0548988.550/147..3   !.2:2..:3/07903.55.420%.0990 70:.7907470.943 413.9:70419072/05489.0./0.4397.90 ./09073:258:2.55.850709.8.//943..9:794792..20/-90/05489473.420%.3 -0.90413907089#.24:3941#8 .2...4803   423.8041 439/05489478147.8041830/0548947479017894/073....908413907089.-05.0/   #.-05..55  $03479038-00-0147.3-02.943.943423.-0 43423.141.39:/0308   03019&3/07$0.3907089.97..2039413907089%039070892.078088 -00.941.9 %$-0.39:/0308 .0724393.-0.%072054898.850709.55.-02.947:/03081475./014790/05489.99092041 2.

930-03.08920398     .

You're Reading a Free Preview

Download
scribd
/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->