MỘT SỐ GIẢI PHÁP NHẰM HOÀN THIỆN CÔNG TÁC THẨM ĐỊNH DỰ ÁN ĐẦU TƯ LĨNH VỰC BẤT ĐỘNG SẢN TẠI NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN NHÀ HÀ NỘI


 !"#!$
%!&
'()*+,,-.+/0,122345+678/9+,:+/,::;4(
'()()*+,,-.+/0,122345+6,<+/678/9+,:+/,::;4(
.42=6>;2?+/23-@+/+,8+,ABC+,ADE+FG+/>-H6I9JKL+/23M++E+2N+/
O:23<JE+2,=+/0,122345+8+2P:+QR+>*+,Q,4S<T<NA8D<D8+UVWO<X+0,Y+>Y<
>523@2,:+,)23P+/Z+/9+,:+/>-H62[++,4SB+,Y24S28B(\+2N+/O:>;4
+/]O^+,>CPK:JKC+U4+,+/,4SBAU,N+?+/+_BD_2F.4VL2,8J>R46782,*23-`+/
2=2AVLT<J\2>P1++,CJDa+6b+/>;4+/]61+D;+,9+F4M++?+/>;+/A>cJ+,4S2
,<J\2AV1+/2CPF:Dd+/VLO4+,,PC2Ve+6fA8D<D8+U,P:+2P:+6f2,52L24+>f+
+,g++,G+/U,fU,?+A2,16,2,h623P+/+,G+/+?B24\02,iP(-.4>9JO:616Bj6
24M<,PC2>;+/6788D<D8+U23P+//484>PC+'kklQ'k)mn
Q4\02j6+9+/68P+?+/OL62:46,[+,2,X+/T<8F4S62?+/F=+>4E<OSA>8KC+/,P1
+/<o+F=+U\2,H0/4G8F=+>4E<OSF:616OPC4,p+,F=+U,16+,-23140,4\<V8P6,P
2=4>8,P1,4S<T<NVqKj+/F=+(
Q4\02j6+9+/68P/4123*>c<2-6786R>X+/2,X+/T<8,H0216U4+,KP8+,A6R2h6A
/4123*6R0,4\<F:+9+/68P2[+,2,8+,U,PN+6786R0,4\<(
Q8KC+/,P1616+/<o+2,<U4+,KP8+,A24\02j6B@3;+/U4+,KP8+,V8+/616Or+,
FL62:46,[+,B.46f24EB+?+/,4S<T<N68PF:O4M+U\26,s26,WF.4,PC2>;+/+/9+
,:+/6788D<D8+Un2,:+,Og06X+/2JB<8D1++HA6X+/2JT<N+O[T<tF:6X+/2J
>c<2-2:46,[+,u+/,4M+6h<F4S62,:+,Og06X+/2J6,P2,<M2:46,[+,u2g+Kj+/2,`4
6vB@3;+/K8+,Bj6>c<2-F:P616KP8+,+/,4S06f24EB+?+/F:,4S<V<Y2>c<2-
2=2+,dB/482?+/2,<+,g0K:4,C+R+>*+,6,P/9+,:+/(
Q?+/6-`+/>c<2-6,P,C2c+/T<N+O[2,X+/24+A>c<2-+9+/6Y02,MBF.4+/9+
V16,2wZ%m234S<6,P,C2c+/BC+/U56NDNPBg2AD86U<0A,S2,=+/xA
A+2i3+i28+U4+/APD4Oi8+U4+/F:3<+/29BK*6,FjU,16,,:+/P+2862
i+2i3(
QyJBC+,+/,4M+6h<0,122345+VN+0,yBK*6,FjB.4A>s6D4S2O:U,=4+/9+,:+/
61+,9+F:U,=4+/9+,:+/>c<2-(345+U,84F4S6U\2+=4F.46162R6,h62,zT<=6

2\+,-4V8A8V2i3>56f2,50,12,:+,616OPC42,zT<=62\(
Q,8+,6,f+/0,122345+BC+/O-.4AB@2,MB2=42,45<)k>v+F*B.42C4616>*8
D:+23{+/>45B+,-:;4AN4,|+/AN4-v+/A,838+/%},1+,P:A>s6
D4S26,~23{+/B@3;+/BC+/O-.42C4o,[4+,F:616U,<0,[88BO4E+UE(
X+/216B@3;+/BC+/O-.4F•+0,N4O<X+>4U€BFf46,Y2O-H+/T<N+O[F:,4S<
T<NU4+,KP8+,(c<2-+9+/6Y0616>*8>45B/48PK*6,F:,P:+2,4S+6,<y+,P1
+v4/48PK*6,F.4,p+,N+,2,=+/+,Y2678/9+,:+/(
Qc<2-0,122345++/<o++,9+OL6A24\02j6V1+/2CP6166,[+,V16,>^4+/;0,b
,H0A2,<,~2F:/p+/4G+/<o++,9+OL6Ur+?+/68PA2?+/6-`+/6X+/216>:P2CP+;4
D;2,X+/T<8F4S62,:+,Og03<+/29B>:P2CP678/9+,:+/A>c<2-6vV@Fg26,Y2
2,iP24M<6,<y+T<=62\6,P3<+/29BU,<J\+U,[6,+9+/68P+?+/OL661+D;
2,X+/T<82L>:P2CPF:>:P2CP2g023<+/(,[+,V16,>^4+/;+,Y22,4\20,N4>7,Y0
K•+2:4+?+/F:O4M+U\2VL23<+/2,:+,67861+D;F.4/9+,:+/A6j2,5O:6,[+,
V16,2,-@+/>=4F.4616T<N+O[68P6Y0F:616+,9+VL>s6D4S26f2,569++,_62,<
,~2Dd+/6R0,4\<8D<D8+U(
'()('*+,,-.+/6X+/2162,yB>*+,KL1+>c<2-Or+,FL6DY2>;+/VN+(
'()('()•<,-.+/0,122345+6782,*23-`+/DY2>;+/VN+23P+/2,`4/48+2.4(
=4F.44S28BA2,*23-`+/DY2>;+/VN+‚ƒ>-H6>1+,/41O:D4\+>;+/
BC+,A2,Y22,-`+/A23P+//484>PC+'kkmQ'kk„A2,*23-`+/O~62,p+dB23P+/
23C+/2,14…>f+/D?+/…AO~62,p23P+/23C+/2,14…V=2+f+/…(?B'kkmA2,iP+,g+
>*+,678;:4+/<JM+F:X423-`+/A2,*23-`+/+,:>Y2…>f+/D?+/…6fT<JBX
O.+23M+K4S+3;+/F:6f2[+,6,Y20,h62C0(<J+,4M+A>\++?B'kk†2,*23-`+/
OC4D4\+>;+/2,iP6,4E<,-.+/…V=2+f+/…A/412?+/BC+,2C4B;2V=>X2,*O.+
‚6,7J\<O::;4F:(ƒA2g023<+/F:PBN+/2,*23-`+/F?+0,|+/A+,:@
6,P2,<MF:>Y2KL1+(4S62?+//41BC+,K4‡+38@2w+/0,9+BN+/2,*23-`+/A@
2w+/+v4A@2w+/U,<FL66fVLU,16+,8<>1+/U5(
?B'kk„23X4T<8F.4D8PD4\+>;+/O.++,-U,7+/,PN+/2:46,[+,2P:+6c<AVL
/4NBV~26782,*23-`+/6,h+/U,P1+ˆUaP2,iP2,*23-`+/23P+/+-.66fK4‡+
D4\+0,h62C0,v+A23P+/'2,1+/>c<+?BA/412,*23-`+/2LKP2C4:;4F:(
2?+/U,168PA23<+/Dp+,2w)kQ'k‰u2w>c<2,1+/ZA23M+2,*23-`+/A/41

6NOC46fI<,-.+//4NBBC+,AV=O-H+/38PD1+68P,v++,4E<V=O-H+//48PK*6,
2,:+,6X+/(416N2,*23-`+//4NBBC+,A2wZmQŠk‰VPF.4/41>c<+?B23M+
2,*23-`+/((((
<9+2,7616T<J>*+,6780,10O<g2A,c<,\2>^>-838616>4E<U4S+6,P
F8J,Ps62,\6,Y0Dd+/2-v+/>=46,s26,W(3P+/+?B'kk†A2,iP2,=+/
UM678A23M+6vV@D1P61P678616A6,PF8JOr+,FL66,4\B
))AŠ‰F:>\++/:JZ)‹m‹'kk„A2Œ23{+/+:J6|+)kA)‰A>\+6<=42,1+/•A2Œ23{+/
+:J/4NB,v+U,PN+/lAl•‰(E2=6>;2?+/A6,PF8J23P+/Or+,FL6•2,1+/
>c<+?B'kk„6,Ž@Bh6K-.4m‰A23P+/U,42R+/K-+H2[+Kj+/6,<+/2?+/,v+
)„‰(16U,PN+6,PF8J6,7J\<2g023<+/@6162,:+,0,=O.++,-(
•k‰A:;4)†‰(((
3P+/6,PF8JA6,PF8JB<8F:I9J+,:>5D1+6,4\Bl‰2R+/K-+H6,PF8J
A6|+OC4O:6,PF8JI9JKL+/U,<>X2,*AU,<6X+/+/,4S0AU,<6,\I<Y2AI9J
KL+/6vV@,C2c+/0,j6FjVN+I<Y2QU4+,KP8+,AB<8+,:AVq8+,:(((
,-FgJABh6>;6,PF8J23P+/Or+,FL6AIa2FE2R+/2,56,-80,N4O:O.+
23P+/,PC2>;+/2[+Kj+/678616(4E<>f6,P0,a06166f2,5
6,=+/>•>-H63743P0,12V4+,D@4D4\+>;+/…2,?+/23cB…23M+2,*23-`+/(
<J+,4M+AFY+>E>1+/T<8+29B@>9JO:nThứ nhấtABh6>;6,PF8J23P+/Or+,FL6
/4G8616+/9+,:+/O:3Y2U,16+,8<(\<6,482,iPU,=4+/9+,:+/2,p616
+,:+-.66f2Œ23{+/6,PF8JO:†A„‰VPF.42R+/K-+H678U,=4+:Ju
U,=46R0,c+O:U,PN+/)l‰(v+Oz6]+/6f+,G+/+/9+,:+/6,PF8J
2Œ23{+/OM+2.4Zk‰2R+/K-+H‚+,G+/+/9+,:+/+:J6,7J\<O:+/9+,:+/
+,•ƒ(Thứ haiA23P+/6v6Y<U‘,C+6,PF8J2,p6,PF8J23<+/AK:4,C+6,4\B
†Š‰A6,PF8J+/_+,C+'•‰(16U,PN+6,PF8JK:4,C+2,-`+/2w'kQZk+?BA
23P+/U,4+/<o+F=+,<J>;+/678616U‘,C+2=4>86,ŽO:)kQ)m+?B(p
FgJABY269+>=4U‘,C+AO^4V<Y26]+/O:+,G+/3743P24EBy+23P+/,PC2>;+/6,P
F8J(Thứ baA23P+/>4E<U4S+,4S++8JAF.4+,4E<+/<JM++,9+U,16+,8<A2,*
23-`+/6f+,G+/K4‡+D4\+DY22,-`+/AU,fKL>P1+A2,X+/24+FE2,*23-`+/
6|+2,4\<A2p+,,p+,2:46,[+,678616KP8+,+/,4S0U4+,KP8+,6|+2,4\<
B4+,DC6,(((2,pF4S66,PF8JOr+,FL6678616VW6fBh6>;3743P3Y2

68P(
?B'kkl+,4E<D;O<g2F:T<J>*+,VW6f,4S<OL6+,-n<g2,<\2,<+,g061
+,9+‚ƒA<g2,<\/4123*/482?+/‚xƒB.4A<g2@,G<23P+/2,*23-`+/D1+
OzF:+,:@6,P+/-`4+-.6+/P:4u2?+/OS0,[23-.6DCX2XF:6,<J5++,-H+/u
2?+/Bh6O-v+/2=42,45<A/4NBO^4V<Y2+/9+,:+/A+/9+,:+/D_2>c<6,PF8J
ˆVWU,4\+2p+,,p+,2,*23-`+/23P+/+-.66f+,4E<2,8J>R4U,fKL
>P1+(
,iPU,NPV12B.4>9J678g0>P:+U4+,KP8+,DY2>;+/VN+’46,83K“OO4V
3P<0‚’“ƒA23P+/D=46N+,+E+U4+,2\2P:+6c<>8+//s0U,7+/,PN+/+,-,4S+
+8JA616KP8+,+/,4S0>8T<=6/48VW0,N42,g+23{+/,v+F.4616U\,PC6,2?+/
23-@+/F:2,_26,s2,v++G8616U,PN+6,424M<A23P+/>f6fF4S6K€Ks2B@3;+/
2,MBF?+0,|+/,PC2>;+/A2<J5++,9+F4M++-.6+/P:4V8+/O:BF4S6ˆ
0OL62wV<J2,P14U4+,2\2P:+6c<F:6C+,238+,2w61668P=623M+>*8D:+,84
2,:+,0,=O.+:;4AA616U,<>X2,*B.42C4616>*80,-v+/6,<y+D*>-8
F:P,PC2>;+/AVW6f216>;+/BC+,>\+VL+?+/>;+/678BN+/2,*23-`+/+:J
23P+/+?B'kkl(M+6C+,>fA6166X+/2JA2g0>P:+>8T<=6/48KLD1PVW/4NB
2,45<+/-`4O8P>;+/+-.6+/P:4A>o+/2,`42,8J>R46,4\+O-H62g023<+/2<J5+O8P
>;+/+-.6+/P:4O:+/-`4>;62,9+2,8JFp+/-`46f/48>p+,A6]+/VWO:216+,9+
O:B2,8J>R4+,<6c<FE2,<M+,:@AK4S+2[6,6?+,;A>*8>45BA24M<6,<y++,:@ˆ
4S++8J6]+/>8+/6fB;2I<,-.+/U,13”3S2O:U,16,,:+/>8+/2,<M616F?+
0,|+//4168PVe+V:+/6,<J5+F?+0,|+/>\+6162|8+,:6f/412,Y0,v+A>s6D4S2
U,4+/<o+6<+/>8+/2?+/+,4E<,v+VW6f+,4E<OL86,{+,v+(
-.6F:P+?B'kklA616+,:>c<2->8+/>h+/23-.6+,G+/2,16,2,h6O.+
D@4VLV<J2,P14U4+,2\>8+/23L624\0216>;+/F:P4S28B(16>;+/2w6<;6
U,7+/,PN+/2:46,[+,23M+2,\/4.424\02j6O:B2,*23-`+//41+,:>Y2/4NBBC+,A
/48PK*6,K4‡+386cB6,w+/(,iPKL>P1+678B;2V=KP8+,+/,4S0O.+23P+/
+/:+,>c<2-A+?B'kkl6f2,5+,4E<+,:>c<2-VW3~2U,•44S28B,Ps6
2CBKw+/KL1+678Bp+,KP2p+,,p+,V<J2,P14U4+,2\2P:+6c<(,[+,FpFgJA2,*
23-`+/6fI<,-.+//4NB,•+616/48PK*6,F:>4I<=+/A>4E<>f/9J38VL
O~+/2~+/F:0,9+29B6,P2Y26NB{4+/-`42,8B/48A+,Y2O:>=4F.4+,G+/2,*

23-`+/>8+/0,122345++,-4S28B(<J+,4M+A6]+/6f–U4\+6,P3d+/A2=6>;
0,122345+6,gB,v+VPF.4KL2[+,6782,*23-`+/OC4O:B;2J\<2=2[6,6L6Fp
>4E<>f231+,6,P2,*23-`+/3v4F:P2p+,23C+/6<+/F-H2T<16c<(s6KbFgJA2,*
23-`+/4S28BF•+>-H6IiBO:>cJ24EB+?+/F:B@38+,4E<6v,;42=2(
,-+/>50,122345++fU,X+/+,G+/6c+>|4,•4VL+—OL6AU4+,+/,4SB678616
+,:>c<2-B:6|+6c+6v6,\6,[+,V16,0,b,H0>50,122345+O:+,BC+,AR+>*+,A
DE+FG+/A/f00,c+2,~6>yJ2?+/23-@+/U4+,2\F:8+V4+,I^,;4(
'()('('*+,,-.+/6X+/2162,yB>*+,KL1+DY2>;+/VN+23P+//484>PC+'kkl%'k)m(
•<,-.+/0,122345+6782,*23-`+/DY2>;+/VN+23P+/+?B'kklO:U,fKL>P1+(
<J+,4M+A6f2,5+,g+2,YJ3d+/616+,:>c<2->8+/3Y22,g+23{+/F:6N+,/416
F.42,*23-`+/+:JAFp2,\A6f2,5VW[2KL1+FEDY2>;+/VN+>\+F8JF=+616+/9+
,:+/,v+23P+/2,`4/48+2.4(,-+/U,X+/Fp2,\B:6X+/2162,yB>*+,616KL1+
2,<;6Or+,FL6+:J>-H6D<X+/O•+/AK‡K^4B:+/-H6OC4A6:+/0,N42,_26,s2,v+
23-.6([KPO:23P+//484>PC++,CJ6NB+:J+,G+/KL1+DY2>;+/VN+>-H62345+
U,84+dB23P+/,84+,fB,Ps6O:6L6Up8+2P:+F:U,N2,4,Ps6O:KPOH4Kj+/2p+,
,p+,B:23j6OH4(@Kr+f4+,-FgJD@4Fp>=4F.4OPC42,h+,Y2O:,45++,4M+A23P+/
2,`4D<R4U4+,2\U,fU,?++:JA6,Ž6f6,_66,_+U4\B>-H6OH4+,<g+F:U45BVP12
>-H63743P2,p6,7>c<2-B.4K1B24\+,:+,F8JF=+>c<2-(|+OPC42,h,84O:
+,G+/UzOH4Kj+/2p+,,p+,>4I<=+/6782,*23-`+/AOH4Kj+/VLNB>CB23P+//48P
K*6,F8JF=+2C4616+/9+,:+/(f2,5616+/9+,:+/VW6f29BO[+.4O•+/6X+/216
2,yB>*+,>52?+/KP8+,V=6,PF8JOM++,dB2,<OH4+,<g+(_B>-H629BO[+:J
678+/9+,:+/A+,G+/Uz6v,;4VWOg038B;2KL1+B83o4>iB>\+F8JF=+(\<
+/9+,:+/B:K‡K^423P+/2,yB>*+,F:6,Y0+,g+6,PF8JVW>5OC4,g<T<NU,X+
O-`+/+,-F=+U,X+/>-H6VqKj+/>~+/Bj6>[6,F:U,X+/,4S<T<NA6fU,46|+
U,X+/2,52,<,o4>-H6+H(
,g+2,h6>-H6>4E<+:JA8+O^+,>CP/9+,:+/,::;4>^6,Ž>CP
2P:+D;,S2,=+/+/9+,:+/2w;4V@6,[+,>\+6166,4+,1+,6c+0,N42,_26,s2
6X+/2162,yB>*+,KL1+>c<2-+f46,<+/F:KL1+DY2>;+/VN++f434M+/(f+,-
FgJB.4/4NB2,45<>-H63743P6,P/9+,:+/A>NBDNP6,PF8J>~+/>=42-H+/A
VqKj+/F=+,4S<T<N(

'(';2V=/4N40,10,P:+2,4S+6X+/2162,yB>*+,KL1+>c<2-Or+,FL6DY2>;+/VN+2C4
/9+,:+/,::;4%6,4+,1+,C+,~6(
'('()41PKj6F:+9+/68P+,g+2,h6FE6X+/2162,yB>*+,(
,yB>*+,KL1+O:6X+/F4S60,h62C0F:6fF*23[F8423|3Y2T<8+23{+/23P+/B—4T<J\2
>*+,6,PF8JAKP>f>52,L6,4S+2=26X+/2162,yB>*+,A23-.6,\26c+0,N4T<1+234S2FE
Bs2+,g+2,h66,P2g02,561+D;2,yB>*+,678+/9+,:+/(j2,5n
Q,yB>*+,6,PF8JF=+>f+/F8423|6=2O”423P+/,PC2>;+/2[+Kj+/678+/9+,:+/(
<=++9+/68P6,Y2O-H+/6X+/2162[+Kj+/2,p23-.6,\20,N46,~23{+/,P:+2,4S+6,Y2
O-H+/6X+/2162,yB>*+,KL1+F8JF=+(}\2T<N2,yB>*+,VWN+,,-@+/2.4T<J\2>*+,
6,PF8JF=+2w>fO4M+T<8+>\+,4S<T<N678>o+/F=+6,PF8JAFpFgJA6c+,\2Vh66P4
23{+/F:>E68P24+,2,c+2316,+,4SBU,42,L6,4S+6X+/2162,yB>*+,(
Q,yB>*+,KL1+U,X+/6,Ž,-.+/2.40,j6Fj6,P616Bj624M<U4+,KP8+,6j6D;678
+/9+,:+/B:6|+0,N4/f00,c+2,L6,4S++,G+/Bj624M<0,122345+U4+,2\6,<+/678
+/:+,AFb+/A>*80,-v+/F:>Y2+-.623P+/2w+/2,`4Up+,Y2>*+,(
Q1+D;2,yB>*+,0,N4>h+/23M+/f6>;+/-`46,PF8JF:6N+/-`4>4F8J>5>1+,/41F:
38T<J\2>*+,+,dB>-838+,G+/+,g+>*+,U,16,T<8+F:U,P8,{6+,Y2(
Q,yB>*+,KL1+B:>s6D4S2O:KL1+DY2>;+/VN+O:B;26X+/F4S60,h62C0A>|4,•4
U4\+2,h66,<JM+BX+FE+,4E<Or+,FL6‚2:46,[+,KP8+,+/,4S0AT<N+O[AUr2,<g2AI9J
KL+/ˆƒ(4FgJ6c+6fVL6,7>;+/V1+/2CPAO4+,,PC2A+,CJDa+A6fU,N+?+/
0,9+2[6,A2R+/,H0A>~63~22,L624\+F:2,-`+/I<JM+238<Ko4U4\+2,h66,<JM+BX+6]+/
+,-U4\+2,h6I^,;4>50,j6Fj2=2+,Y26,P6X+/F4S6678Bp+,(
'('('4N40,10FE6X+/2162R6,h62,yB>*+,F:T<J23p+,2,yB>*+,(
X+/2162R6,h62,yB>*+,6786,4+,1+,,P:+2P:+KP,|+/}0,j2316,(
4E<+:JFw86f-<>45B+,-+/6]+/U,X+/231+,U,•4,C+6,\(˜23M+>^>E6g0
>\+B;2-<>45B>fO:/4~0>1+,/41678>-H6U,16,T<8+,v+FpFw8>-H6
24\0I~6F.4KL1+23M+/4YJ2`OC4Fw86f>4E<U4S+6,h+/U4\+2,L62\2345+U,84KL
1+(<J+,4M+A>9J6]+/6,[+,O:B;2+,-H6>45B(=4F.4+,G+/6f0,yB
6,Y2>CP>h6+/,E+/,4S0U,X+/2=22,p>9JVWO:6v,;46,P,{Bf6+/Ps6F.4
U,16,,:+/+,dB6=–O:BV84OS6,U\2T<N>1+,/41KL1+>52-OH461+,9+(pFgJA
>5U,_60,j6+,-H6>45B+:J6c+0,N4216,D;0,g+2,yB>*+,U4+,2\Ur2,<g2F.4

D;0,g+23L624\0/48PK*6,F.4U,16,,:+/(j2,5O:+M+2,:+,Og034M+/B;20,|+/
2,yB>*+,>;6Og0F.40,|+/2[+Kj+/(},4U,16,,:+/>\+F8JF=+2,p0,|+/2[+
Kj+/VW24\0+,g+,oVvF:6,<J5+6,P0,|+/2,yB>*+,O:B+,4SBFj2,yB>*+,
6,<JM+BX+(8<U,42,yB>*+,>C2JM<6c<2,p6,<J5+,oVv6b+/U\2T<N2,yB
>*+,OC46,P0,|+/2[+Kj+/>50,|+/+:J38T<J\2>*+,2[+Kj+/(,-FgJVW231+,
VL24\0I~623L624\0/4G861+D;2,yB>*+,F:U,16,,:+/2,pVWU,16,T<8+,v+
23P+/6X+/2162,yB>*+,(,L638,p+,2,h6+:J>-H610Kj+/@+,4E<+/9+,:+/
F:>iBOC4,4S<T<N3Y268P(<JFgJ6]+/6c+O-<–B;2>45BA>fO:FE>4E<U4S+>5
24\+,:+,,p+,2,h6+:J>|4,•40,N46f>7+,9+OL66]+/+,-JM<6c<FE6vV@Fg2
6,Y2(},42,:+,Og034M+/B;20,|+/D8+2,p0,N4>NBDNP>7V=+,9+OL66c+2,4\2
6]+/+,-0,N46fU,X+//48+O:BF4S634M+/(3P+/U,4>fA6,4+,1+,C+,~6B.4
2,:+,Og0>-H6,v+Z+?BAT<JBX6,-82,-6VLO.++M+>4E<U4S+6,-86,P0,a0(
3P+/2,`4/48+2.4AU,4T<JBX6,4+,1+,>-H6>c<2-B@3;+/2,pVW6f>4E<U4S+
2,<g+OH4,v+>52345+U,84/4N40,10+:J(
—4OPC4KL1+6fB;2>s62,b34M+/AFpFgJF4S610Kj+/B;2T<J23p+,2,yB
>*+,6,<+/6,PB{4KL1+i3d+/VWU,X+/2,L6VL>C2,4S<T<N(4N40,106,PFY+
>E+:JO:0,N4O4+,,PC223P+/F4S6Fg+Kj+/T<J23p+,(EO9<K:4A+/9+,:+/
+M++/,4M+6h<F:6f,-.+/K•+6j2,56,424\26,P2w+/OPC4KL1+>s62,bA+,-FgJ
VWK‡K:+/6,P10Kj+/F:2,8BU,NPU,46c+(
'('(Z4N40,10FE+;4K<+/2,yB>*+,(
;4K<+/2,yB>*+,KL1+>c<2-O:B;20,c+T<8+23{+/23P+/6X+/2162,yB
>*+,A6fN+,,-@+/U,X+/+,•2.46,Y2O-H+/6786X+/216+:J(@4FgJA6,~23{+/
F:P+;4K<+/2,yB>*+,O:,\2Vh66c+2,4\2(=4F.4KL1+DY2>;+/VN+AKP>s62,b
O:>;0,h62C0F:3743P68P+M+616+;4K<+/2,yB>*+,6c+2g023<+/F:P616J\<2=
+:J(j2,5A
P,yB>*+,U,[86C+,0,10O[n
=4F.4DY2UpB;2KL1+>c<2-+:PA23-.6,\26c+T<8+29BO:+f6f0,b,H0
F.4T<J,PC6,0,122345+U4+,2\I^,;4678T<=6/48A678Fb+/A+/:+,F:>*8
0,-v+/,8JU,X+/(5I16>*+,>-H6>4E<+:J231+,6,PKL1+>4+/-H6F.4T<J
,PC6,0,122345+6,<+/2,p6c+IiBIa22,g2UrU,[86C+,0,10O[678KL1+AU45B238

2[+,>cJ>76]+/+,-,H00,10678616,oVv0,10O[B:U,16,,:+/6<+/6Y0AVP