GIẢI PHÁP NÂNG CAO HIỆU QUẢ HOẠT ĐỘNG TÍN DỤNG TẠI NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU.PDF

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7%5!8?≅Α∗0Β≅>
Χ5!?≅Α∗0Β≅∆
78∋9:∋(∋(.∋/0∋(;
/%5 !96∆
ΕΦ 96
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!Ι∗0
!Ι∗%
!Ι6
∀ϑ;9
&ΚΛ8Μ9∀

<=>>/?16≅∗Α=∋/(6=/6Β∗)∗Χ/∆51ΑΕ∋(18∋9:∋(>Φ+(.∋/0∋(Γ
;ΒΝ%%ΜΜ;Λ;!.
7Ν%%=Λ ΟΠ!Λ;.
ϑ5ΒΙΛ;!>
ΘΒ1Λ;?Μ=6Ρ
7Ν%%5=≅;9Ρ
7Ν%%=Λ Ο9Ρ
7Ν%%129Σ
7Ν%%5=≅;9
%=>ΗΙ∗1ϑΧ∋//2Κ∋(ΑΙ∋/6Β∗)∗Χ/∆51ΑΕ∋(18∋9:∋(77
∀7%Λ0?
∀Ο8Τ!( Ο
∀Ο8Τ%2
∀−8)
∀7%Λ0?8
∀712;Υ%?;9
∀ΚΛ8Μ9
∀79Β%9
∀∀ΘΒ1∀
∀&ς≅Ω ∀
∀.2Ι∗)∀
∀>ϑ;=≅?%ΞΨ0∀
∀Ρ7Ο5Ο&
ΓΕ1ΛϑΜ06/Ν>Ο6∋/∋(/6Β4,−∋.∋(>+∆/6Β∗)∗Χ/∆51ΑΕ∋(18∋9:∋(>Φ+
4Ε1Λϑ∋2Π>Ο/∗,Θ>/.∗Ρ7Γ
ΣΙ1Τ∗Υ∋/23∋(<7
  7 ς  Ω  !  ∀Ξ           !
∀ΨΖΡ<<
7&∋()∗+∋,−(.∋/0∋(1/23∋(456>&[/∴∋Ρ/.∗<<
:ΒΖΜ

Κ%8Μ%8Φ
[9&
∀Κ%8Μ4!25>
&;Β∗0=≅;∗)−Λ0)∆∆Ρ∴∆Ρ
77]∋//]∋//∆51ΑΕ∋(/∗ΗΑΕ∋(,ϑ∋%;
ΚΛ Ο!Λ;∀∆
ς!Λ;!;48]!Λ;∀∆
7∃1Λ;!∀
ϑ5ΒΙΛ;!∀
ΘΒ1?Μ=6⊥!∀∀
7<6Β∗)∗Χ/∆51ΑΕ∋(18∋9:∋(%%
ΚΛ Ο9∀∀
_9;48]9∀∀
7∃1!)Λ∀.
7129&
ϑ5Β1ΒΖ!&
[25)!Φα5Β)8β&
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ϑ5=≅;9&∀
[2532Θ8Η3?&∀
[32Θ⊥25Β2Τ−)9&&
7252ΘΒ1?Μ=6&.
7% /⊥∋(/5∋>/Ι1_∆∋(/∆51ΑΕ∋(18∋9:∋(>Φ+(.∋/0∋(1/23∋(456>&
[/∴∋Ρ/.∗Γ
7Γ(∗Η≅∋∋/.∋>Φ+∋/⊥∋(/5∋>/Ι1_∆∋(/∆51ΑΕ∋(18∋9:∋(>Φ+(.∋/0∋(
1/23∋(456>&[/∴∋Ρ/.∗Γα
7Ζ/.∋18>/4Ε1ΛϑΗΙ∗1ϑ)∗+∋1_Ν∋(Χ∋//2Κ∋(ΑΙ∋/6Β∗)∗Χ/∆51ΑΕ∋(18∋
9:∋(>Φ+(.∋/0∋(1/23∋(456>&[/∴∋Ρ/.∗Γβ
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.Ο8Τ!( Ο&Σ

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.−8).
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.712Π62+9.
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.79Β%9.
.∀ΘΒ1.
.&ς≅Ω .∀
..2Ι.&
.>ϑ;∗Φ %;?;.&
.Ρ7Ο5Ο
ΣΙ1Τ∗Υ∋>/23∋(7α
<ΡΖΡΖ∃ !
∀ΨΖΡχ
<:>16≅∗,0Αδ∋//2Π∋(/∆51ΑΕ∋(18∋9:∋(156∋(.∋/0∋(1/23∋(456>&
[/∴∋Ρ/.∗χ
−)Χ6∃ Α⊥χ76)∆∴∆&
.Ρ
:Ι;9)∆∴∆&.Ρ
<76Χ6[/=[∋.∋(>+∆/6Β∗)∗Χ/∆51ΑΕ∋(18∋9:∋(156∋(.∋/0∋(1/23∋(456
>&[/∴∋Ρ/.∗α
Χ6)12Ο%=≅28−898Φ∗)%%
Ο25=0!Ο%=≅28−89>
Χ6)12Π62+9>
ϑ5=Λ8Μ9δΙ%4∗)!Ι
4Ω :∗%Ξ6Λ+∃0∗Φ 8)% Β%9
;%;23>.
[%40:=)5∗%!Ι4Ω :
∗% ;%;23>.
ε6Λ+∃0∗Φ Β%ΠΒ∃9∗Φ 8)% Β%∗%

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∀Χ6)5=≅;∗Φ %;?;>Ρ
&ε6Λ+9Β%%8Φ∗% >Σ
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9 ] Ε%∆#00ϑ7%%.∆ΛΛΦΤΛ 9
≅ ] Ε∀?&Ζ∀ς7%%.∆ΠΛΛΦΤΛ 9
Β ] Ε⊥ Ψ3_⊥ΚΗ7%%.∆ΛΛΦΤΛ 91
Φ ⊥ ΨΖ]∋ς∋ 4567%%.∆
ΛΛΦΤΛ
99
Ι Η Ε Ψ∋ςΚΘ?7%%.∆ΛΛΦΤΛ 9≅

  
 <∆.=7%%.∆ΛΛΦαΛ )Φ
 Ξ∀⊥38Σ7%%.∆ΛΛΦαΛ )Ι
) 0.=Π3Υ#0.=7%%.∆
ΛΛΦΤΛ
1
1 0.=Π3Υ5∀4567%%.∆
ΛΛΦΤΛ
19

9 ]3β5∀456Ω∆∃#∴?%&Π
χΛΛΦΤΛδ
1Ι
≅ :Ε∋ς∋56#07%%.∆ΛΛΦΤΛ 9
Β
] Ε<:Ζ∀ς7%%.∆7%ΛΛΦΤ
Λ
9)

 

 !∀!#∃%&∋( )#∋
(  ∗+,−!./0
1
2 3#!∃04567789
3:;∃!3∃+0<+=)#> (?≅! 3?
35<+= Α()##<+=−3) #
#%:Β35+Χ!3∃1∆/
3?35ΕΦ+Γ3Η!3∃ΕΙϑ#
∀≅0Α∃3?+=!<+=∀<+=
9) (111≅Α5>( ∃Ι3∃
(+01ΚΛΜΝ3∃∃)−#Χ3:
Ο3?353∃ (+0Π)  3#
!∃0456778∃9#Θ /Α∃
+Π?!9) (%!<+0)!Κ
(! 3?351
ΡΕ?> +0Φ Ε∃0Σ0
ΧΕ−ΤΥ74−+∋∃0ςΩΞΨ
?! Κ+0Φ!Ν 3 ∗
Σ05Κ/ +0Ε)Ν

∃)−Η1
! 3!3∃≅! 3?35/Κ
Η≅Α> ∃∗Φ ?+
ϑΖ∃?[Θ &3
Κ∗Κ Θ #Ε Φ ∗)Ν(
Α+Γ≅1
2Κ2∴? Κ2∴]2Κ ?Ε
Τ
3?35Η3:#
ΒΙΒΑ!/ϑ/Φ Ε&
Κ#Κ Θ #1∗−+ΓΦΘ &
(!:Θ ∃<&! !
∀#∃!%&∋()!∗+,−∗. ∗5∀
2&∆∃Λ ΕΚ0 ∀!
> (+Γ)∀#/  ΟΚ Θ #
Κ2∴]2Κ >ΚΝΚ2∴]2Κ 
/=01
/ ∃001
Ε Ε− ΟΑ(!) ⊥
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Ε− ∋)Χ_ ∗∋Α#!)∀Ε  
Θ #1
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∴#ΚΝ Θ #
Κ2∴]2Κ 1
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α!> ()∀#Κ Θ #Κ
2∴]2Κ 1
2 3∋4015!)601
3∋401⊥Ε− _ ∗Νβ!≅

? Κ2∴]2Κ ?Ε
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Κ2∴]2Κ 1
7!)6018Ε− Νβ Θ #
Κ2∴]2Κ 6778Λ67ΤΤ#67Τ6δ
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9 7∋(01
∆∃Γ+∋∀3Ε+∋∴ΚΒεΝ
∃+#φΚ Θ #
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6
: ;<=6>?≅
χ Ε−  ∗5?Φ∀?(!_ ∗?
3&ΕΘ ∃ Θ #∗_ ∗
?ΒΚΝΚ2∴]
2Κ 1Π?!> ()∀#?ΝβΒΚ Θ #
Κ2∴]2Κ 67Τ6δ67ΤΥ1
Α ΒΧ∆ΕΦ6Γ
γ ∗5+ΓϑΑΑΙ7η+∋03∃( +) ⊥
∗∋(8∗(ΗΙΕΕΦ6%∋()!6 !
∀#∃≅%∋()!12∋)Χ_ ∗5−3&
Ο>∗Ε Ε− !#! Θ #Κ
1
∗∋(/8&>ϑ!!∀#∃!%∋()!+
,−∗1∴ΚΝ Θ #
Κ1:Θ Νβ#Ε−  
Θ #ι2Ρ1
∗∋(28∗ !∀#∃!%
∋()!+,−∗1∗3∃Θ #Ε− Χ+∋63∃
ΓΕ ∃+Γ<+067ΤΤΛ67ΤΥΚ

2∴]2Κ Β+#Κ Θ #
ΟΝ∀3∃ΒΓ_#Α#
 Θ #1
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ΤΥΠΣΚΥςΩΞΚΨΤ&Ζ%&[%∴]%∗⊥_%Ρ%
ΚΣ%&ΚΛΜ%ΤΥ
 &+ 6%∋()!
 
ϕΠΒ33∃Κ
<Ν∃0:>4−3∃ΚΑΟ
∗!κ!∃3Ι)κ)∀∀?Β∃3(  (
+∋ −<Κ∀+Γ?
Ε1(4Α∃!3∃)Ν?≅Φ ∃
≅!3∃>99−Ο⊥ΧΚ ?∀
ΒϑΧ??)ΝΒ0∀!3∃>9
+Γ1
ϕΚ5Τλλ7⊥4−
3!+=> Ε∃ ∗!κ
30#)κ)∀!?Β∃3( 
+∋1
ϕ  3#  6  !  µ    γ ∗    4  −      ςγ ∗  )∀
µνο67Τ7οχΤ6ΨΑΤποπο67Τ7? Ν7ΤοΤο67ΤΤ1Κ
+Γ<Μ+) ⊥φΚϑ2θ?Β+ΓΝ
(#Κ1ϕ(Ε 
ϑΚΑΙ⊥Κ)Κ
Γ>9ρ
γ ∗+03Ε∃0! 3σ<Ο⊥
<∃ Θ &(!3∃<+=0
∗!κ:τ+0ϑ−3_)κ ΙΝ?

!∃3( <
30ϑ3∃Γ ∗1
µ
+∗?Β?Ο<∃ Ν
3υΘ &!3∃<+=1=∀<∃ 
 Ι!ϖΟ#>9)ω+Γ ∗
 0)∀+Γ0Β (4−3∃Κ
Οτ.Β3∃>91
 
/ ∗1Γϑ#
 −5Θ &∋Α#(10
−5?[+= −∗  
 Ι∀!=ϖ!3∃ςΑΙ!∃3
Φ0Κ+∀ΑΟ!∋<4−3∃ξΨΑ∃?
 Ι∀Βς(Ψ− Φ ∀3
∀Φ +3∃ Φ ∀Ε Σ>91
2−5 +Γ&Θ )∋Ι) Κ⊥
2−5 ?[(0∀
0!3∃>9⊥
−
+0∃=Ν−5 ∗ Φ 
∃ Ι∀!=ϖ>9Α∃!ϖΠϖ
+∋,Χ Ι∀0!3∃1
−
∆∃∃=Ν−5 −3∀+Γ∀
(0!3∃ Ι∀3:Π Κ Β
Θ ϑ ΦΒΘ ϑ)#> (3∃Θ 
Υ
Λ2:
Λψ

Λ4−3∃
Λ2Κ
Κ

+∋

Λ2:
Λψ
Λ4−3∃
Λϑ
Λ2Κ
2(


!κ∃3
 ∗
∴
3υ∃ 
∃
ϑ)#> (33?Φτ.3∃>9Β1
// ∗1Γϑ
αΚ−5Θ &1− 
ΒΝ3#</3/
+= +=Αξ1Β(Θ 3∃+∋/&0
 1
2−5 ,?[(0⊥
−
=Ν−59#Α03∀+Γ!≅+ 
53∀+ΓΑΟ Β3##Α0! 
>9!!∗ ΒΑ#Θ #!∃3! !

<111
−
2,=Ν−5∀?Φτ.
∀ Κ Β!Λ1ζ<Θ Κ
+=?<03:Α?{3 Ν<
+∋[#+0Β∃
01α! 3:/?Φτ.3∃Λ>9+0
Β[τ.Θ 3∃+∋
Θ ∀∃Β1
/2 ∗1Γ16∃6!∀=
=αΕ0 
0+ ∃+03Η3:/+0[
Χ+0?Θ 0! :>4−3∃111?Α<
∀: ∗ΗΑΗ+Γ:!ϑϑ3∃
π
Λ+=#!
Λ+= ς:
>4−3
∃ΚΨ
Κ

+∋

Λ+=+Χ
Λ+=Ας:
>4−3
∃ΚΨ
ζ(
Α
?

#!
γ
Θ 3#
!%111[−(# Φ 3
?ΕΘ ∃Κ1α? −<
Κ+⊥θ<ΚΘ | Β!Θ ∀}θ<3! ∀
 Β!Θ ∀∃}θ<ςΑ#Θ # ξΨ}θ<
+(Φ + (:111}θ<Κκς∼ΛΡ3Ψ1111
2<3: ΦτΒ+ΧΙ<∃ ∀
5 Γ ∗Κ<[?ϖ
Γ+0∃1
 
2 ∗6∃ϑβ+=ΧΗ
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γϑΕ Ι∀Κ12
 Ι∀ΑΙ⊥
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∀! Θ |⊥ 
∀! ⊥γ Ι∀ΑΦ 3ΚΑΗΦ 
+ΓΑ#! Κ1∀! #−∀Β ϕ
Θ < ∗1
2Θ |Κ⊥+Γϑ3Κ9
ΑΙΘ |Π9[5Κ+⊥Θ |Ν/Α4) 
∀! Θ |Ν[ςΓ((ΨΘ |Φ +
ΒΘ |3ς3ϕ+ΧτΓΨ111[?Θ |+Γϑ
ΑΟΚ+⊥Θ |3( ∋
Α#)κ/)#Ν[Β>κ_1111
ϕΘ ∃<)∀µΥνο677ΥοχαΛΤλ7µ5
677Υϑ⊥∀Ν?ΑΙ⊥
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∀Ν?∋Α#ς∀(ΤΨ⊥∀! Ν?ς∀9+Γ(∀9
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ΒΓ ∗3:1
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∀Ν?Α4) ς∀(6Ψ⊥∴Φ<5Ε)#∀<
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4∃ + 92θ?=1
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∀ ⊥ 
αΚ Ι∀∃ )κ3Κ
?∃%&(04 Ι∀1 Ι∀ 
Ι?⊥
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!κ∃3Κ+}
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 Ι∀ Θ (=?+3υ∃ 
∃ Κ−!κ1
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 Ι∀⊥ 
+=Γ∀Ν?∀ 3:− Φ 3
?Β∀Β) ⊥
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+0ϑ−+Γ(∀+∃3( ∃
3( −Π?}Φ∀Φ∀+∋∃ }ϕ

ΓΙ111
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3Θ <+=ΕΚΓΙ 111
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 Ι∀3⊥ 
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ϕ3∃∗ +0}∀∃∗Β∀∃
3Θ ϑΝ3:Σ!≅111
%6∃Ηφ∃63δ%6∃αε
0 Ι∀?+ΓΚ)κ) ⊥
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23:)κΑ Ι∀3
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θ ϑΝ/ΑΗΑ ϕΘ <}
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2#3#!κ∃#9}
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α− Φ ∀Γ_3}
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2(⊥ 
ΡΙςΗ Ψ}∃3( +∋

∃ −Π?} Ε}Α1111
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αΦ +⊥ 
)κ Ι∀4<ΒΝϑ−Φ +
Ο3∃=)012ϑ−Φ +
ΑΙ⊥
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ζ∀∀Ε 4Φ:>2θ
31
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 −3(=?<Β+ΧΓ−Ε
1
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κ∀3+ ⊥ )Η∃Α<
3>ΚΝ)ΧΚ∀3Α9
31
%6∃ϑδ6∃6!∀=
=ε8
αΚ<3Κ (3)ω∗+Γ
Ι+⊥
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θ<ΚΘ |}
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θ<}
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4−3:Σ!≅3}
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∗Θ #_)#Θ _ϕΕ Φ 3}
λ
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∆ΑΘ _}
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 Α−34∃ ∃ :
>}
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+(!Φ +11111
2/ %6∃β+=ΧΗ
2ΓΙΑ#9?Κ3∃#Α#
#3#3+=−Α+=1
2ΓΙ49) (?Κ3∃4
3#9−3Γ0ΑΕ31
2ΓΙ+∋ΓΙΘ !&9) (?
ΚΙ_∗/−3ΠΑΕ3−
+ΓΑ##1
ΓΙ3∃?Κ3∃∀0
)∀∀(<+03ΓΙ∃ Ν1
2ΓΙ%∀?ΚΙ_∗
+Γ(<1
/ &#∃%
  
χ =ΙΠ[;3Θ Θ ϑ Φ
∀Β#Θ ∃+Γ+Π∃ ∀β+=> Ε/
Β!3∃1
3Θ )Ν Β+Γ=+Γ<
ς)#ΨΠ+=)Χ/ )+=)κ3#=(<1
∆∃+=)κ##+Γ<0∋<ΑΦ 1
?! +⊥+0
ΚΚ1ΚΚ; ∗
Β3)κ)#ςΑΟ!)#Ν Ψ0 Ε
Η?#ΑΟ∃3( ς∃3( Ψ Ε

Α#9Κ31
Τ7
 !∀#∃ 
−(ΚΝΕ∋)Χ[1Κ(
3?[3)κ∀τ Θ #
?3#5#Γ111
−)Ν Β+Γ)#?=Κ
 φΒρΕ&3#Κ! 
#?=Α##Κ#∀ 1
−Α#ΝΕ ΕΗ##∀91ζ<
##0∋τς<∀ΨΜ#<∀
3##Κ3#9ΚΘ !)κ
∀1
−+Β.Κ1 Ι
 3:/Α#Κ3[ 
:+=Φ3Β)3+)ΝΑ∃!
#9) (%5+Χ3∃<+=Ε1111
−5#Ε∋)Χ3∃#:! 31χ ϑ
>βΕ∋)Χ/5−_≅ω+⊥ΓΙ
3∃+0!ΓΙΑ##!Α#9111?ΑΕ
#3∃#:! 33#Κ3∃1
 %&∋ 
/2 36γ=Χ
−([3∃∋Α#Κ Κ Β∀
Π/+=ςΚϑ:Ψ? Ι∀≅+
∃/+=∃ 1 Φ ∀3:ΒΦ +3[Β
;9 Φ Ε Σ+0Η1∃ 3:?Κϑ Κ
 Β∀/Β!3∃)ωΗ12ϑ∃3Ε Κ
 Β∀Θ Κ?_Μ(0τ. Θ #
!3∃1

−Κ3:0−5 !
ΤΤ
∀ Κ Β∀Π∋Π∃∋∃ [τΚΑ4 Θ #
 ΙΝ!3∃1:Θ Κ∀Π
/+=∃ ΝΦ + Θ #+Γ Β0/+=?Ν
Φ + Θ #∋+∃ ∀1∆∃Θ #3∃5+Χ:5
5) (1
−Α:Θ Φ +∀/!3 Ν
3∃&Β)ωτ.)ΝΒ!?ϑΕ
∋( Γ_ Θ #1
−+Κ?Φ+ :!?! ∃<
+=3Β)<Ι!τ.Θ ϑΧ+ 3∃
/+01
−5Κ Ι 0Κ)
+0:Θ  ∃ ∗9Π %Φ +∀21
−) Κ3Ε !#∀Γ+0∃
:::?Φ>??#1
/2/ 36γ=
−(Κ−3<= Φ !)∀+Γ(
+Γ∀31
−ΚτΦ +ΗΑΗ∋3
?∀ΒΧ)#> (Κ?3#5Β
#3#Ε Κ(+Γ )∀111
−ΑΚΑ 3##
∀∀9=(<+; ∗1θ?Α 3
#ϖΝ∗∃3#5ϑΒ)κ∀ Θ #.
Θ ϑ)#> (ϕΓ ∗#Α#Μ
#ΓΚ1
/22 36γ
−( !∀∃%&0(

4)#? Ι ∗∃ Κ1≅Σ%&
Τ6
Κ?> +0#Φ+Κ
Ζ :)κ∀Θ &(∀0ϖΚ1
−:Θ Κ?+Γ
)#?#Β 1
−Α:Θ ΚΧ+Γϑ
<3+⊥ τ!κ3+(111
( )∗#+ 
∋Α#(ΑΕ))0
 ∀1Ι?ϑ) ⊥
∗6ηδ6ηϑ>ΧιΗε8
αΚ?)ω+=
)∀∀Β)#> (3Φ +≅Ε Σ1∆∃+=
##∀!91Κ3Β)+Γ+=3Β)
+ΓΘ ϑ)κ∀1+=?_−#ΓΕΑΗΑ &#
Θ Κ∃)κ)? Θ #Β#Γ1
ϑ−(03: Ι+Γ∀≅#3:∃≅
3:τ1ξΘ ≅3Θ 1θ?3Κ
)κΑΑ##∀⊥∃(Φ∀Α#9ξ1
?Ε? !Κ
3Θ ! ∋1θ?≅Κ+Γ
∗Θ |Ν[ΒΑΣΗ≅3Α#ΚΚ#)κ
Αϕ+03:Π#∃Β?Β
∃+Γ! ?Β>#1
∗Χ=∆δ∴Ηε8
Κ∃Θ Κ)ω 
−∀Βς+=>∃3( ΨΒ3Ν
#ΓΚς+=#!ϕ−ΠΨ12∀+Γ
Ι∀∃ 3υ∃ ∃ (Γ?31

∗0#δϕΕΕκΗε8
Τη
2 Εϑ Λ?:
 ΕΣ∀ϑ≅∀∃ Β 
)#∃Α<ϕΕ Φ += Ε∃ Ε=
(<1+= Ε##! Ε: Εϕ
<3υ1∆3∃τΓΙ Ε+= Ε+ΓΘ ! ≅3
Ε= Ε≅#∃Α<: Ε
λΕµδλ=ϑκκε8
Ρ#9ϑ+3:> (∀ΛϑΑΟ
/3_1ϑ3+ΓΚ(Α#9
3=?3)ω+Γ∀ΧΚ3≅Ν
ΓΙ3∃93_3∃1
∗ν16η=δΨκϑΗε8
2#?( :Θ 
ξ
, −./&0 
Ρ+0Τ⊥γ∗Ι)∋∀
Ρ+0ΑΝ) 3∃>τ31
ϑ ΑΙ)∋∀Φ# ∗:+⊥
−
5Ν_5ΝΚ)Ν31
−
∆#5)κ∀1
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∆#5#Γς∀9Ψ1
Ρ+06⊥∴Κ
∴Κ><3#5+∋3
)κ∀#Γ1Ε ⊥
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ϑ3∃/ϑ ∀?Β>#Ζ∃ΚΝ
3#53Η/?Ν3∃/Α#
Β ∃4(Κ1
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∴ΚΚ∗/:9 ∗+ΓΠ3
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