{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff35\deff0\stshfdbch37\stshfloch39\stshfhich39\stshfbi35\deflang5129\deflangfe5129\themelang5129\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}
{\f35\fbidi \fswiss\fcharset128\fprq2{\*\panose 020b0604020202020204}Arial Unicode MS;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f39\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Verdana;}
{\f40\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0502040204020203}Segoe UI;}{\f41\fbidi \fswiss\fcharset128\fprq2{\*\panose 020b0604020202020204}@Arial Unicode MS;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f42\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\f43\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\f45\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f46\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f47\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f48\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f49\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f50\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f382\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}
{\f383\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f385\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f386\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f389\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}
{\f390\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f394\fbidi \fswiss\fcharset0\fprq2 Arial Unicode MS Western;}{\f392\fbidi \fswiss\fcharset238\fprq2 Arial Unicode MS CE;}{\f393\fbidi \fswiss\fcharset204\fprq2 Arial Unicode MS Cyr;}
{\f395\fbidi \fswiss\fcharset161\fprq2 Arial Unicode MS Greek;}{\f396\fbidi \fswiss\fcharset162\fprq2 Arial Unicode MS Tur;}{\f397\fbidi \fswiss\fcharset177\fprq2 Arial Unicode MS (Hebrew);}
{\f398\fbidi \fswiss\fcharset178\fprq2 Arial Unicode MS (Arabic);}{\f399\fbidi \fswiss\fcharset186\fprq2 Arial Unicode MS Baltic;}{\f400\fbidi \fswiss\fcharset163\fprq2 Arial Unicode MS (Vietnamese);}
{\f401\fbidi \fswiss\fcharset222\fprq2 Arial Unicode MS (Thai);}{\f412\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f413\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f415\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}
{\f416\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f419\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f420\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f432\fbidi \fswiss\fcharset238\fprq2 Verdana CE;}
{\f433\fbidi \fswiss\fcharset204\fprq2 Verdana Cyr;}{\f435\fbidi \fswiss\fcharset161\fprq2 Verdana Greek;}{\f436\fbidi \fswiss\fcharset162\fprq2 Verdana Tur;}{\f439\fbidi \fswiss\fcharset186\fprq2 Verdana Baltic;}
{\f440\fbidi \fswiss\fcharset163\fprq2 Verdana (Vietnamese);}{\f442\fbidi \fswiss\fcharset238\fprq2 Segoe UI CE;}{\f443\fbidi \fswiss\fcharset204\fprq2 Segoe UI Cyr;}{\f445\fbidi \fswiss\fcharset161\fprq2 Segoe UI Greek;}
{\f446\fbidi \fswiss\fcharset162\fprq2 Segoe UI Tur;}{\f448\fbidi \fswiss\fcharset178\fprq2 Segoe UI (Arabic);}{\f449\fbidi \fswiss\fcharset186\fprq2 Segoe UI Baltic;}{\f450\fbidi \fswiss\fcharset163\fprq2 Segoe UI (Vietnamese);}
{\f454\fbidi \fswiss\fcharset0\fprq2 @Arial Unicode MS Western;}{\f452\fbidi \fswiss\fcharset238\fprq2 @Arial Unicode MS CE;}{\f453\fbidi \fswiss\fcharset204\fprq2 @Arial Unicode MS Cyr;}{\f455\fbidi \fswiss\fcharset161\fprq2 @Arial Unicode MS Greek;}
{\f456\fbidi \fswiss\fcharset162\fprq2 @Arial Unicode MS Tur;}{\f457\fbidi \fswiss\fcharset177\fprq2 @Arial Unicode MS (Hebrew);}{\f458\fbidi \fswiss\fcharset178\fprq2 @Arial Unicode MS (Arabic);}
{\f459\fbidi \fswiss\fcharset186\fprq2 @Arial Unicode MS Baltic;}{\f460\fbidi \fswiss\fcharset163\fprq2 @Arial Unicode MS (Vietnamese);}{\f461\fbidi \fswiss\fcharset222\fprq2 @Arial Unicode MS (Thai);}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}
{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}
{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;
\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;}{\*\defchp \loch\af39\hich\af39\dbch\af37 }{\*\defpap 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af35\afs20\alang1025 
\ltrch\fcs0 \fs20\lang2057\langfe1033\loch\f39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 \snext0 \sqformat \spriority0 \styrsid12855236 Normal;}{
\s2\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs36\alang1025 \ltrch\fcs0 \b\fs36\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 
\sbasedon0 \snext2 \slink24 \sqformat \spriority9 \styrsid2892540 heading 2;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang5129\langfe5129\loch\f39\hich\af39\dbch\af37\cgrid\langnp5129\langfenp5129 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}{\s15\ql \li720\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\f39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 \sbasedon0 \snext15 \sqformat \spriority34 \styrsid12851886 List Paragraph;}{\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\f37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 \snext16 \sqformat \spriority1 \styrsid10318558 No Spacing;}{\s17\ql \li0\ri0\sa200\sl276\slmult1\widctlpar
\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\f39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 
\sbasedon0 \snext17 \slink18 \ssemihidden \sunhideused \styrsid10318558 header;}{\*\cs18 \additive \lang0\langfe1033\langfenp1033 \slink17 \slocked \ssemihidden \styrsid10318558 Header Char;}{\s19\ql \li0\ri0\sa200\sl276\slmult1\widctlpar
\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\f39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 
\sbasedon0 \snext19 \slink20 \sunhideused \styrsid10318558 footer;}{\*\cs20 \additive \lang0\langfe1033\langfenp1033 \slink19 \slocked \styrsid10318558 Footer Char;}{
\s21\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\cf1\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 
\sbasedon0 \snext21 \ssemihidden \sunhideused \styrsid2041421 Normal (Web);}{\s22\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\cf1\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext22 \spriority0 \styrsid10103513 h4;}{\*\cs23 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid9380029 apple-converted-space;}{\*\cs24 \additive \b\f0\fs36 
\slink2 \slocked \spriority9 \styrsid2892540 Heading 2 Char;}{\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af40\afs18\alang1025 \ltrch\fcs0 
\fs18\lang2057\langfe1033\loch\f40\hich\af40\dbch\af37\cgrid\langnp2057\langfenp1033 \sbasedon0 \snext25 \slink26 \ssemihidden \sunhideused \styrsid8869414 Balloon Text;}{\*\cs26 \additive \f40\fs18\lang2057\langfe0\langnp2057 
\slink25 \slocked \ssemihidden \styrsid8869414 Balloon Text Char;}{\*\cs27 \additive \ul\cf2 \ssemihidden \sunhideused \styrsid5077166 Hyperlink;}}{\*\listtable{\list\listtemplateid-656755704\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid477495885}{\list\listtemplateid-1642558742\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-134697520\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1440\lin1440 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4680\lin4680 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6840\lin6840 }{\listname ;}\listid529144721}{\list\listtemplateid-349404626\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace284\levelindent0{\leveltext\leveltemplateid-1067176430\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i0\f37\fs24\fbias0 \fi-360\li644\lin644 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace284\levelindent0{\leveltext\leveltemplateid134807577\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
\lvltentative\levelspace284\levelindent0{\leveltext\leveltemplateid134807579\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace284\levelindent0{\leveltext\leveltemplateid134807567\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace284
\levelindent0{\leveltext\leveltemplateid134807577\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace284\levelindent0
{\leveltext\leveltemplateid134807579\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace284\levelindent0{\leveltext
\leveltemplateid134807567\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace284\levelindent0{\leveltext
\leveltemplateid134807577\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace284\levelindent0{\leveltext
\leveltemplateid134807579\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid549340068}{\list\listtemplateid-617436434\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-1967879158\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5400\lin5400 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6840\lin6840 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7560\lin7560 }{\listname ;}\listid675040266}{\list\listtemplateid1992068040{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'03\'00.\'01;}{\levelnumbers\'01\'03;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1440\lin1440 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'05\'00.\'01.\'02;}{\levelnumbers\'01\'03\'05;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1800\lin1800 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'07\'00.\'01.\'02.\'03;}{\levelnumbers\'01\'03\'05\'07;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'09\'00.\'01.\'02.\'03.\'04;}{\levelnumbers\'01\'03\'05\'07\'09;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1080\li2880\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'0b\'00.\'01.\'02.\'03.\'04.\'05;}{\levelnumbers\'01\'03\'05\'07\'09\'0b;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1080\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0
{\leveltext\'0d\'00.\'01.\'02.\'03.\'04.\'05.\'06;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1440\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal
\levelspace0\levelindent0{\leveltext\'0f\'00.\'01.\'02.\'03.\'04.\'05.\'06.\'07;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d\'0f;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1440\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext\'11\'00.\'01.\'02.\'03.\'04.\'05.\'06.\'07.\'08;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d\'0f\'11;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1440\li4680\lin4680 }{\listname ;}\listid1135676584
}{\list\listtemplateid703764556\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid940352166\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
\fi-360\li2061\lin2061 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2781\lin2781 }
{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3501\lin3501 }{\listlevel
\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4221\lin4221 }{\listlevel\levelnfc4
\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4941\lin4941 }{\listlevel\levelnfc2\levelnfcn2\leveljc2
\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5661\lin5661 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6381\lin6381 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li7101\lin7101 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7821\lin7821 }{\listname ;}\listid1230917502}{\list\listtemplateid772838970{\listlevel\levelnfc0\levelnfcn0
\leveljc0\leveljcn0\levelfollow0\levelstartat2\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li360\lin360 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'03\'00.\'01;}{\levelnumbers\'01\'03;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1495\lin1495 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'05\'00.\'01.\'02;}{\levelnumbers\'01\'03\'05;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'07\'00.\'01.\'02.\'03;}{\levelnumbers\'01\'03\'05\'07;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'09\'00.\'01.\'02.\'03.\'04;}{\levelnumbers\'01\'03\'05\'07\'09;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1080\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'0b\'00.\'01.\'02.\'03.\'04.\'05;}{\levelnumbers\'01\'03\'05\'07\'09\'0b;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1080\li4680\lin4680 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'0d\'00.\'01.\'02.\'03.\'04.\'05.\'06;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1440\li5760\lin5760 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'0f\'00.\'01.\'02.\'03.\'04.\'05.\'06.\'07;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d\'0f;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1440\li6480\lin6480 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'11\'00.\'01.\'02.\'03.\'04.\'05.\'06.\'07.\'08;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d\'0f\'11;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-1800\li7560\lin7560 }{\listname ;}\listid1333484737}
{\list\listtemplateid-952613754\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360\levelindent0{\leveltext\leveltemplateid67698711\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
\fi-360\li5823\lin5823 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6543\lin6543 }
{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7263\lin7263 }{\listlevel
\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li7983\lin7983 }{\listlevel\levelnfc4
\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li8703\lin8703 }{\listlevel\levelnfc2\levelnfcn2\leveljc2
\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li9423\lin9423 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li10143\lin10143 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li10863\lin10863 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li11583\lin11583 }{\listname ;}\listid1436025125}{\list\listtemplateid-949840322\listhybrid{\listlevel\levelnfc4
\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat2\levelspace0\levelindent0{\leveltext\leveltemplateid-490551920\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1954\lin1954 }{\listlevel\levelnfc4\levelnfcn4\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2674\lin2674 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3394\lin3394 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4114\lin4114 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4834\lin4834 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5554\lin5554 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6274\lin6274 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6994\lin6994 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7714\lin7714 }{\listname ;}\listid1557936883}{\list\listtemplateid-374590738\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-8984474\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li786\lin786 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace360\levelindent0{\leveltext\leveltemplateid67698703\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4680\lin4680 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6840\lin6840 }{\listname ;}\listid1576470465}{\list\listtemplateid-617436434\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-1967879158\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5400\lin5400 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6840\lin6840 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7560\lin7560 }{\listname ;}\listid1781602460}{\list\listtemplateid721730500\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid1382598082\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1860\lin1860 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2220\lin2220 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2940\lin2940 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3660\lin3660 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4380\lin4380 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5100\lin5100 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5820\lin5820 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6540\lin6540 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7260\lin7260 }{\listname ;}\listid1853884105}{\list\listtemplateid-1977967882\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid1689663666\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li644\lin644 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1364\lin1364 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2084\lin2084 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2804\lin2804 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3524\lin3524 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4244\lin4244 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4964\lin4964 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5684\lin5684 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6404\lin6404 }{\listname ;}\listid1859848837}{\list\listtemplateid-727826244\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-745248644\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li5400\lin5400 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6840\lin6840 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7560\lin7560 }{\listname ;}\listid2061976683}}{\*\listoverridetable{\listoverride\listid549340068\listoverridecount0\ls1}{\listoverride\listid1135676584
\listoverridecount0\ls2}{\listoverride\listid675040266\listoverridecount0\ls3}{\listoverride\listid2061976683\listoverridecount0\ls4}{\listoverride\listid1333484737\listoverridecount0\ls5}{\listoverride\listid1781602460\listoverridecount0\ls6}
{\listoverride\listid1853884105\listoverridecount0\ls7}{\listoverride\listid529144721\listoverridecount0\ls8}{\listoverride\listid477495885\listoverridecount0\ls9}{\listoverride\listid1576470465\listoverridecount0\ls10}{\listoverride\listid1436025125
\listoverridecount0\ls11}{\listoverride\listid1557936883\listoverridecount0\ls12}{\listoverride\listid1859848837\listoverridecount0\ls13}{\listoverride\listid1230917502\listoverridecount0\ls14}}{\*\pgptbl {\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0
\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0
\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp0\itap0\li0\ri0\sb0\sa0}}{\*\rsidtbl \rsid4978\rsid10459\rsid18207\rsid21410\rsid24557\rsid24810\rsid66249\rsid69953\rsid82546
\rsid84064\rsid89015\rsid94357\rsid97579\rsid131938\rsid151175\rsid156566\rsid158887\rsid160565\rsid200245\rsid211569\rsid211748\rsid212585\rsid264567\rsid267004\rsid275371\rsid280623\rsid280775\rsid286324\rsid288040\rsid290904\rsid294458\rsid329227
\rsid335208\rsid336919\rsid337193\rsid339409\rsid349947\rsid354029\rsid355295\rsid394774\rsid401786\rsid402144\rsid405868\rsid408834\rsid413619\rsid421126\rsid424156\rsid467666\rsid475486\rsid479639\rsid480989\rsid525532\rsid535009\rsid540471\rsid548180
\rsid548432\rsid549565\rsid553107\rsid556023\rsid557046\rsid604667\rsid608960\rsid609823\rsid619290\rsid619422\rsid619967\rsid658114\rsid663017\rsid663794\rsid667784\rsid670423\rsid679160\rsid679972\rsid680318\rsid682583\rsid731474\rsid732493\rsid734650
\rsid737474\rsid739492\rsid741415\rsid742850\rsid743950\rsid749874\rsid750502\rsid788695\rsid792512\rsid798352\rsid801677\rsid804585\rsid814338\rsid814876\rsid818507\rsid853291\rsid855822\rsid863987\rsid864136\rsid867065\rsid874632\rsid875345\rsid882786
\rsid926561\rsid931023\rsid935696\rsid941775\rsid946144\rsid983333\rsid988605\rsid993562\rsid1007173\rsid1009927\rsid1011203\rsid1049646\rsid1063003\rsid1069987\rsid1072641\rsid1076041\rsid1081265\rsid1116425\rsid1137591\rsid1184572\rsid1189872
\rsid1195311\rsid1199134\rsid1200837\rsid1201625\rsid1202057\rsid1202567\rsid1206767\rsid1208179\rsid1246083\rsid1251461\rsid1253717\rsid1270256\rsid1273544\rsid1317735\rsid1323729\rsid1325466\rsid1330136\rsid1333566\rsid1340238\rsid1391263\rsid1396794
\rsid1398146\rsid1399322\rsid1408054\rsid1445894\rsid1453415\rsid1460693\rsid1461714\rsid1462463\rsid1464396\rsid1467127\rsid1473287\rsid1510692\rsid1514373\rsid1518871\rsid1524831\rsid1525049\rsid1527691\rsid1529105\rsid1573505\rsid1580457\rsid1582568
\rsid1592816\rsid1595570\rsid1601101\rsid1602101\rsid1603544\rsid1640684\rsid1652138\rsid1654443\rsid1658743\rsid1659825\rsid1705017\rsid1708512\rsid1712477\rsid1713654\rsid1714792\rsid1716183\rsid1716982\rsid1718278\rsid1736638\rsid1770347\rsid1770442
\rsid1774856\rsid1776153\rsid1779834\rsid1782677\rsid1786964\rsid1836467\rsid1836737\rsid1837818\rsid1841550\rsid1842599\rsid1848210\rsid1856537\rsid1862786\rsid1865016\rsid1867439\rsid1901257\rsid1903314\rsid1910746\rsid1915091\rsid1969109\rsid1971991
\rsid1972765\rsid1972845\rsid1975609\rsid1979222\rsid1988068\rsid1989956\rsid1994967\rsid2033052\rsid2035172\rsid2035953\rsid2041421\rsid2057796\rsid2098703\rsid2103739\rsid2105660\rsid2122664\rsid2127787\rsid2165844\rsid2176102\rsid2184528\rsid2185395
\rsid2187704\rsid2231237\rsid2244570\rsid2254111\rsid2295877\rsid2296082\rsid2302381\rsid2315610\rsid2322647\rsid2326449\rsid2367351\rsid2371440\rsid2371541\rsid2378538\rsid2379510\rsid2379800\rsid2383583\rsid2384062\rsid2388203\rsid2428712\rsid2443197
\rsid2450416\rsid2454760\rsid2455126\rsid2494348\rsid2499387\rsid2505485\rsid2507613\rsid2509326\rsid2510128\rsid2510453\rsid2557453\rsid2561565\rsid2566213\rsid2569412\rsid2586810\rsid2629562\rsid2632018\rsid2634768\rsid2638344\rsid2639368\rsid2644070
\rsid2645205\rsid2650139\rsid2653287\rsid2692477\rsid2693540\rsid2694025\rsid2700499\rsid2701892\rsid2711631\rsid2714814\rsid2754552\rsid2760220\rsid2766267\rsid2778078\rsid2818158\rsid2822865\rsid2825132\rsid2831554\rsid2845977\rsid2846052\rsid2848077
\rsid2850564\rsid2892540\rsid2894046\rsid2910914\rsid2950657\rsid2956755\rsid2967665\rsid2970998\rsid2971165\rsid2971512\rsid2971863\rsid2972988\rsid2973158\rsid3015536\rsid3016178\rsid3033679\rsid3034523\rsid3038490\rsid3039667\rsid3043121\rsid3045249
\rsid3084629\rsid3091785\rsid3098755\rsid3098996\rsid3099657\rsid3101416\rsid3101942\rsid3102065\rsid3153007\rsid3158135\rsid3164442\rsid3164742\rsid3167074\rsid3170378\rsid3227120\rsid3229116\rsid3233963\rsid3277642\rsid3286355\rsid3290776\rsid3292580
\rsid3305724\rsid3307147\rsid3343495\rsid3357746\rsid3360017\rsid3374012\rsid3408459\rsid3409372\rsid3416204\rsid3418186\rsid3419074\rsid3424102\rsid3436271\rsid3439685\rsid3488035\rsid3490928\rsid3491804\rsid3554513\rsid3556879\rsid3557631\rsid3604650
\rsid3607056\rsid3610374\rsid3619374\rsid3622432\rsid3626124\rsid3627477\rsid3692263\rsid3692869\rsid3696154\rsid3697381\rsid3742958\rsid3745859\rsid3749336\rsid3749585\rsid3755103\rsid3764647\rsid3805542\rsid3814185\rsid3815418\rsid3815665\rsid3827833
\rsid3870254\rsid3872221\rsid3894291\rsid3895978\rsid3896379\rsid3899358\rsid3935757\rsid3944235\rsid3954837\rsid3963995\rsid4017098\rsid4022881\rsid4027185\rsid4064985\rsid4068122\rsid4071819\rsid4078896\rsid4078922\rsid4082879\rsid4083797\rsid4130187
\rsid4131638\rsid4134090\rsid4143723\rsid4144575\rsid4146072\rsid4148032\rsid4149504\rsid4160851\rsid4211225\rsid4213046\rsid4217035\rsid4217504\rsid4224309\rsid4262123\rsid4270762\rsid4272422\rsid4273601\rsid4291286\rsid4325512\rsid4330361\rsid4348229
\rsid4354489\rsid4354558\rsid4356064\rsid4356152\rsid4407621\rsid4407936\rsid4408048\rsid4410386\rsid4412560\rsid4419879\rsid4422625\rsid4458485\rsid4462297\rsid4476219\rsid4483167\rsid4486671\rsid4487507\rsid4522934\rsid4526336\rsid4533553\rsid4547228
\rsid4548394\rsid4596960\rsid4597249\rsid4613601\rsid4615491\rsid4653175\rsid4658678\rsid4661839\rsid4674696\rsid4681750\rsid4681842\rsid4683147\rsid4683944\rsid4726685\rsid4730966\rsid4733427\rsid4739412\rsid4741440\rsid4742621\rsid4745312\rsid4785139
\rsid4800423\rsid4805346\rsid4806776\rsid4811346\rsid4851616\rsid4851824\rsid4852871\rsid4855921\rsid4864869\rsid4876067\rsid4879566\rsid4881744\rsid4916314\rsid4920871\rsid4927248\rsid4932120\rsid4936275\rsid4936419\rsid4937554\rsid4939318\rsid4947393
\rsid4981812\rsid4983884\rsid4993205\rsid4994226\rsid4996730\rsid5007854\rsid5050176\rsid5051596\rsid5057445\rsid5057922\rsid5060627\rsid5062771\rsid5067860\rsid5071736\rsid5075874\rsid5077166\rsid5112135\rsid5112809\rsid5117029\rsid5118488\rsid5126046
\rsid5126457\rsid5138952\rsid5143300\rsid5144510\rsid5180113\rsid5191539\rsid5197374\rsid5208136\rsid5244297\rsid5245551\rsid5245913\rsid5248918\rsid5255050\rsid5258886\rsid5259092\rsid5259331\rsid5268573\rsid5310167\rsid5311120\rsid5312220\rsid5325562
\rsid5333026\rsid5338479\rsid5339295\rsid5375865\rsid5386980\rsid5388102\rsid5390709\rsid5392409\rsid5393592\rsid5406154\rsid5442580\rsid5449842\rsid5452099\rsid5468687\rsid5471761\rsid5505603\rsid5505918\rsid5506712\rsid5517500\rsid5527036\rsid5527253
\rsid5527475\rsid5529894\rsid5535706\rsid5571549\rsid5574928\rsid5578787\rsid5592996\rsid5596462\rsid5640704\rsid5644767\rsid5647393\rsid5665328\rsid5666271\rsid5705223\rsid5711451\rsid5713506\rsid5727562\rsid5729553\rsid5729737\rsid5731466\rsid5731611
\rsid5771385\rsid5778592\rsid5778808\rsid5785289\rsid5787639\rsid5790056\rsid5794627\rsid5840148\rsid5840640\rsid5849671\rsid5850875\rsid5852012\rsid5855121\rsid5860173\rsid5864082\rsid5905217\rsid5906867\rsid5909179\rsid5911623\rsid5912843\rsid5929482
\rsid5929825\rsid5968105\rsid5972526\rsid5975102\rsid5978576\rsid5981576\rsid5985625\rsid5990390\rsid6029409\rsid6035398\rsid6043883\rsid6051644\rsid6054491\rsid6061964\rsid6096182\rsid6099579\rsid6115299\rsid6120235\rsid6122773\rsid6123113\rsid6168235
\rsid6175516\rsid6177546\rsid6181653\rsid6190566\rsid6240532\rsid6245216\rsid6248897\rsid6252120\rsid6299727\rsid6305588\rsid6313753\rsid6316821\rsid6323678\rsid6357986\rsid6366231\rsid6382329\rsid6383455\rsid6388895\rsid6424129\rsid6438039\rsid6440573
\rsid6447145\rsid6489042\rsid6492736\rsid6493757\rsid6497898\rsid6503477\rsid6505916\rsid6506369\rsid6512677\rsid6516898\rsid6517440\rsid6559437\rsid6562347\rsid6563533\rsid6567533\rsid6569654\rsid6570571\rsid6574701\rsid6583648\rsid6583962\rsid6586307
\rsid6619416\rsid6634880\rsid6642437\rsid6644100\rsid6644537\rsid6689019\rsid6690646\rsid6695617\rsid6696690\rsid6697665\rsid6700725\rsid6702710\rsid6752296\rsid6761247\rsid6762480\rsid6763320\rsid6770094\rsid6772818\rsid6778201\rsid6781415\rsid6819576
\rsid6819969\rsid6821216\rsid6826602\rsid6832982\rsid6848292\rsid6882270\rsid6882532\rsid6893156\rsid6898300\rsid6903133\rsid6949153\rsid6953641\rsid6954627\rsid6961259\rsid6962904\rsid6967082\rsid6969102\rsid6974239\rsid6976826\rsid6979223\rsid7013524
\rsid7025557\rsid7030896\rsid7035433\rsid7079259\rsid7080746\rsid7090265\rsid7093582\rsid7095568\rsid7103149\rsid7104824\rsid7106068\rsid7146558\rsid7147917\rsid7151846\rsid7156360\rsid7172131\rsid7173442\rsid7176006\rsid7176013\rsid7176114\rsid7220956
\rsid7223757\rsid7224500\rsid7224564\rsid7229871\rsid7230926\rsid7239255\rsid7240951\rsid7279017\rsid7279109\rsid7284673\rsid7288365\rsid7289228\rsid7295857\rsid7298038\rsid7305118\rsid7347451\rsid7347952\rsid7350179\rsid7360730\rsid7362584\rsid7365203
\rsid7368151\rsid7415831\rsid7424135\rsid7437308\rsid7478576\rsid7482059\rsid7485209\rsid7486968\rsid7494623\rsid7538054\rsid7550392\rsid7551147\rsid7555303\rsid7557439\rsid7602662\rsid7604794\rsid7607714\rsid7611934\rsid7612726\rsid7625778\rsid7626578
\rsid7629207\rsid7632496\rsid7668704\rsid7672041\rsid7677606\rsid7682037\rsid7683715\rsid7689791\rsid7691925\rsid7698055\rsid7699187\rsid7699477\rsid7741684\rsid7803686\rsid7805972\rsid7807950\rsid7818656\rsid7819472\rsid7820373\rsid7822309\rsid7825357
\rsid7827291\rsid7828604\rsid7872482\rsid7875665\rsid7881625\rsid7889810\rsid7891400\rsid7891914\rsid7893714\rsid7932376\rsid7936091\rsid7936793\rsid7943453\rsid7952295\rsid7952383\rsid7958341\rsid7960229\rsid8000683\rsid8003452\rsid8009200\rsid8011956
\rsid8017193\rsid8017361\rsid8020735\rsid8063310\rsid8065571\rsid8070989\rsid8071907\rsid8081129\rsid8084743\rsid8085048\rsid8086691\rsid8092386\rsid8133295\rsid8139952\rsid8145618\rsid8192079\rsid8192394\rsid8194093\rsid8196340\rsid8201728\rsid8205249
\rsid8206029\rsid8211778\rsid8212025\rsid8217273\rsid8220070\rsid8221213\rsid8221262\rsid8260083\rsid8266550\rsid8271128\rsid8274979\rsid8283092\rsid8286216\rsid8326749\rsid8343418\rsid8344894\rsid8348852\rsid8351237\rsid8351539\rsid8352757\rsid8392001
\rsid8399920\rsid8399955\rsid8405152\rsid8406643\rsid8410210\rsid8419511\rsid8457161\rsid8458234\rsid8459620\rsid8466534\rsid8469503\rsid8472693\rsid8476089\rsid8485572\rsid8486719\rsid8523145\rsid8527824\rsid8528144\rsid8530832\rsid8534331\rsid8536779
\rsid8543210\rsid8545670\rsid8546249\rsid8549797\rsid8651154\rsid8655968\rsid8658187\rsid8659910\rsid8666104\rsid8668850\rsid8671473\rsid8679208\rsid8679392\rsid8683290\rsid8729882\rsid8737321\rsid8738083\rsid8743053\rsid8744130\rsid8799925\rsid8806909
\rsid8813733\rsid8852231\rsid8863782\rsid8866657\rsid8867659\rsid8869414\rsid8871973\rsid8916297\rsid8918206\rsid8931986\rsid8933221\rsid8938909\rsid8939779\rsid8939919\rsid8942321\rsid8978861\rsid8979678\rsid8985206\rsid8985739\rsid8994851\rsid9001011
\rsid9002256\rsid9045667\rsid9048742\rsid9062937\rsid9065133\rsid9067034\rsid9069656\rsid9074144\rsid9111701\rsid9117700\rsid9120049\rsid9124000\rsid9126361\rsid9130372\rsid9132340\rsid9133159\rsid9133669\rsid9139019\rsid9139308\rsid9185239\rsid9196494
\rsid9199661\rsid9202779\rsid9240688\rsid9242833\rsid9245641\rsid9248917\rsid9250689\rsid9259501\rsid9265482\rsid9268101\rsid9270014\rsid9308371\rsid9312611\rsid9312793\rsid9313792\rsid9318670\rsid9319303\rsid9321911\rsid9323533\rsid9327975\rsid9331866
\rsid9332020\rsid9380029\rsid9380559\rsid9382322\rsid9386694\rsid9392803\rsid9393329\rsid9393584\rsid9395917\rsid9398856\rsid9398911\rsid9399376\rsid9401651\rsid9402966\rsid9403442\rsid9439859\rsid9440240\rsid9442888\rsid9446503\rsid9449304\rsid9449366
\rsid9450422\rsid9451244\rsid9452301\rsid9457364\rsid9461303\rsid9463176\rsid9521284\rsid9530554\rsid9532953\rsid9535033\rsid9569716\rsid9570000\rsid9570599\rsid9581774\rsid9587036\rsid9588674\rsid9596596\rsid9597847\rsid9600321\rsid9635932\rsid9636678
\rsid9642429\rsid9648759\rsid9648870\rsid9658566\rsid9664540\rsid9712547\rsid9712911\rsid9713183\rsid9722879\rsid9766993\rsid9769657\rsid9781385\rsid9784710\rsid9786824\rsid9790294\rsid9844785\rsid9851720\rsid9854351\rsid9858467\rsid9896750\rsid9901364
\rsid9905377\rsid9907010\rsid9921633\rsid9964334\rsid9967892\rsid9968758\rsid9971054\rsid9972152\rsid9972516\rsid9975708\rsid9980474\rsid9981029\rsid9985171\rsid9987926\rsid9988257\rsid10031682\rsid10034258\rsid10037841\rsid10042841\rsid10046448
\rsid10048788\rsid10054479\rsid10095411\rsid10096060\rsid10098124\rsid10100772\rsid10102799\rsid10103513\rsid10110421\rsid10112070\rsid10112988\rsid10113279\rsid10118196\rsid10119466\rsid10162347\rsid10162790\rsid10162984\rsid10173179\rsid10173273
\rsid10176627\rsid10177963\rsid10180711\rsid10186869\rsid10187486\rsid10188105\rsid10224549\rsid10234110\rsid10234214\rsid10238272\rsid10250141\rsid10253818\rsid10310567\rsid10316723\rsid10318558\rsid10357405\rsid10361832\rsid10365086\rsid10365283
\rsid10372547\rsid10430540\rsid10439362\rsid10446087\rsid10447755\rsid10486147\rsid10493606\rsid10496098\rsid10496782\rsid10504930\rsid10507440\rsid10508448\rsid10510307\rsid10513015\rsid10513217\rsid10551977\rsid10553137\rsid10554424\rsid10557722
\rsid10562866\rsid10568825\rsid10572567\rsid10573040\rsid10573138\rsid10573379\rsid10576936\rsid10576994\rsid10583183\rsid10618810\rsid10624279\rsid10626982\rsid10628456\rsid10630270\rsid10631627\rsid10636697\rsid10638696\rsid10640911\rsid10641115
\rsid10646341\rsid10684725\rsid10684928\rsid10692376\rsid10702686\rsid10706452\rsid10710959\rsid10713147\rsid10756353\rsid10757094\rsid10758837\rsid10767635\rsid10774014\rsid10814792\rsid10814971\rsid10823114\rsid10828448\rsid10832246\rsid10839628
\rsid10844719\rsid10894872\rsid10896086\rsid10905521\rsid10907106\rsid10907607\rsid10908141\rsid10946410\rsid10954584\rsid10974505\rsid11019191\rsid11023867\rsid11024008\rsid11025057\rsid11026805\rsid11029343\rsid11029586\rsid11032251\rsid11034876
\rsid11037802\rsid11039455\rsid11076611\rsid11087004\rsid11089387\rsid11094500\rsid11095822\rsid11101639\rsid11105680\rsid11145882\rsid11146015\rsid11153328\rsid11153968\rsid11166523\rsid11172478\rsid11173080\rsid11219790\rsid11229859\rsid11237800
\rsid11275709\rsid11278648\rsid11280789\rsid11289751\rsid11297645\rsid11303740\rsid11342455\rsid11342682\rsid11344369\rsid11348857\rsid11353841\rsid11354400\rsid11355334\rsid11363319\rsid11368728\rsid11417772\rsid11433534\rsid11435560\rsid11475672
\rsid11480894\rsid11483084\rsid11500269\rsid11534789\rsid11540300\rsid11546786\rsid11549200\rsid11549382\rsid11563016\rsid11563410\rsid11601619\rsid11605608\rsid11624833\rsid11625899\rsid11675437\rsid11688439\rsid11688810\rsid11735520\rsid11740245
\rsid11742831\rsid11744320\rsid11759642\rsid11759666\rsid11797604\rsid11813371\rsid11813642\rsid11819074\rsid11821628\rsid11821771\rsid11863536\rsid11888789\rsid11891817\rsid11892969\rsid11939516\rsid11940514\rsid11943245\rsid11945468\rsid11959711
\rsid12006803\rsid12010858\rsid12011759\rsid12013967\rsid12016471\rsid12020976\rsid12023997\rsid12058755\rsid12065630\rsid12065802\rsid12066381\rsid12067035\rsid12075407\rsid12077871\rsid12088463\rsid12138589\rsid12144576\rsid12148563\rsid12152206
\rsid12154609\rsid12191359\rsid12192473\rsid12193090\rsid12200720\rsid12200866\rsid12201994\rsid12202042\rsid12210531\rsid12211996\rsid12213929\rsid12255944\rsid12273178\rsid12273900\rsid12276606\rsid12276637\rsid12283073\rsid12322618\rsid12324464
\rsid12345200\rsid12348356\rsid12349125\rsid12349601\rsid12351221\rsid12352829\rsid12393697\rsid12394687\rsid12397011\rsid12400953\rsid12405774\rsid12407706\rsid12458354\rsid12459395\rsid12461792\rsid12464717\rsid12470978\rsid12479342\rsid12479741
\rsid12481245\rsid12539230\rsid12541278\rsid12544434\rsid12592281\rsid12595999\rsid12599351\rsid12603044\rsid12648548\rsid12651025\rsid12655356\rsid12657663\rsid12660938\rsid12668082\rsid12670931\rsid12716609\rsid12718825\rsid12724883\rsid12738218
\rsid12780230\rsid12792538\rsid12795086\rsid12802581\rsid12808857\rsid12811649\rsid12851886\rsid12853176\rsid12855236\rsid12867022\rsid12871708\rsid12875088\rsid12876392\rsid12913664\rsid12918564\rsid12920682\rsid12922264\rsid12928895\rsid12978349
\rsid12979058\rsid12980411\rsid12992632\rsid12993413\rsid12994225\rsid13001943\rsid13005849\rsid13046536\rsid13050279\rsid13058830\rsid13071646\rsid13110604\rsid13123290\rsid13130362\rsid13177065\rsid13180391\rsid13196015\rsid13248212\rsid13249754
\rsid13259611\rsid13261742\rsid13265447\rsid13266154\rsid13306468\rsid13311211\rsid13312076\rsid13316019\rsid13319377\rsid13380547\rsid13386875\rsid13391115\rsid13397250\rsid13398862\rsid13441542\rsid13445031\rsid13445119\rsid13449210\rsid13451389
\rsid13467021\rsid13502118\rsid13518783\rsid13529332\rsid13570829\rsid13573094\rsid13575881\rsid13576159\rsid13577432\rsid13579367\rsid13590745\rsid13596913\rsid13635472\rsid13639823\rsid13640528\rsid13642613\rsid13645374\rsid13646265\rsid13649770
\rsid13652340\rsid13655180\rsid13657190\rsid13661974\rsid13706361\rsid13710091\rsid13716073\rsid13720477\rsid13721702\rsid13722684\rsid13725586\rsid13727219\rsid13770824\rsid13774542\rsid13784363\rsid13784557\rsid13786110\rsid13787191\rsid13787752
\rsid13794163\rsid13833654\rsid13835684\rsid13836876\rsid13838942\rsid13839608\rsid13842800\rsid13846504\rsid13852194\rsid13855877\rsid13856168\rsid13857717\rsid13895011\rsid13903501\rsid13905103\rsid13906645\rsid13909098\rsid13910847\rsid13915933
\rsid13918120\rsid13962458\rsid13984026\rsid14029130\rsid14033851\rsid14038077\rsid14040108\rsid14044660\rsid14046182\rsid14047166\rsid14052006\rsid14053351\rsid14056409\rsid14091820\rsid14112304\rsid14117117\rsid14121491\rsid14162089\rsid14166716
\rsid14167224\rsid14167294\rsid14168032\rsid14174529\rsid14175812\rsid14184991\rsid14185908\rsid14222013\rsid14222090\rsid14225230\rsid14229823\rsid14231478\rsid14246085\rsid14309333\rsid14318739\rsid14319065\rsid14366470\rsid14370453\rsid14377055
\rsid14380155\rsid14383191\rsid14383460\rsid14384724\rsid14418117\rsid14429480\rsid14429956\rsid14438479\rsid14440547\rsid14488746\rsid14497656\rsid14498027\rsid14498647\rsid14508390\rsid14566275\rsid14568743\rsid14577443\rsid14630335\rsid14636213
\rsid14636336\rsid14637836\rsid14639067\rsid14642259\rsid14642303\rsid14642351\rsid14642419\rsid14643408\rsid14646427\rsid14686719\rsid14687673\rsid14691898\rsid14699026\rsid14706793\rsid14708330\rsid14710082\rsid14711521\rsid14752133\rsid14763079
\rsid14767411\rsid14771266\rsid14773661\rsid14774080\rsid14775015\rsid14776930\rsid14812666\rsid14817521\rsid14821369\rsid14825069\rsid14828100\rsid14832267\rsid14833638\rsid14887537\rsid14889262\rsid14890572\rsid14891658\rsid14897033\rsid14898268
\rsid14900576\rsid14906226\rsid14953494\rsid14953778\rsid14960099\rsid14966926\rsid14967282\rsid15016432\rsid15016894\rsid15018497\rsid15021324\rsid15026086\rsid15028657\rsid15032982\rsid15035021\rsid15074240\rsid15089680\rsid15089984\rsid15140137
\rsid15141097\rsid15142432\rsid15145411\rsid15150362\rsid15152220\rsid15159964\rsid15161155\rsid15162182\rsid15163625\rsid15205506\rsid15217825\rsid15218870\rsid15229021\rsid15233678\rsid15233814\rsid15280216\rsid15287523\rsid15290594\rsid15292915
\rsid15296750\rsid15298647\rsid15342460\rsid15358842\rsid15358874\rsid15361856\rsid15400976\rsid15401377\rsid15405482\rsid15407226\rsid15408989\rsid15411430\rsid15418643\rsid15419134\rsid15419677\rsid15424856\rsid15426409\rsid15428263\rsid15466982
\rsid15491433\rsid15491647\rsid15498955\rsid15532806\rsid15544610\rsid15550891\rsid15563885\rsid15601648\rsid15608696\rsid15613774\rsid15617682\rsid15619624\rsid15627918\rsid15663425\rsid15663494\rsid15664810\rsid15666001\rsid15669541\rsid15673339
\rsid15674363\rsid15677095\rsid15677341\rsid15677815\rsid15678028\rsid15682849\rsid15693741\rsid15695544\rsid15733143\rsid15740095\rsid15752061\rsid15754566\rsid15757889\rsid15761080\rsid15796268\rsid15801211\rsid15803333\rsid15809681\rsid15817703
\rsid15818414\rsid15819551\rsid15821186\rsid15862534\rsid15863336\rsid15871237\rsid15876663\rsid15878714\rsid15879494\rsid15884556\rsid15888201\rsid15932671\rsid15933336\rsid15940195\rsid15942326\rsid15942527\rsid15943702\rsid15946521\rsid15947368
\rsid15952303\rsid15991310\rsid15997842\rsid15998608\rsid16002725\rsid16006644\rsid16007388\rsid16009550\rsid16010925\rsid16014612\rsid16023112\rsid16060926\rsid16063301\rsid16063682\rsid16072629\rsid16082814\rsid16126306\rsid16139903\rsid16146589
\rsid16149046\rsid16153963\rsid16188377\rsid16189939\rsid16194444\rsid16198132\rsid16199926\rsid16206707\rsid16207618\rsid16214368\rsid16219892\rsid16253032\rsid16263913\rsid16264749\rsid16278559\rsid16283931\rsid16324450\rsid16330239\rsid16331548
\rsid16338755\rsid16348616\rsid16349468\rsid16390047\rsid16396933\rsid16402362\rsid16404688\rsid16406190\rsid16411804\rsid16411948\rsid16450279\rsid16452516\rsid16457495\rsid16467642\rsid16473181\rsid16473617\rsid16475564\rsid16481778\rsid16521261
\rsid16525266\rsid16526876\rsid16527527\rsid16538446\rsid16541531\rsid16581979\rsid16587857\rsid16588895\rsid16593395\rsid16597177\rsid16602866\rsid16603293\rsid16604308\rsid16608995\rsid16648892\rsid16652240\rsid16655703\rsid16664960\rsid16667366
\rsid16716435\rsid16716490\rsid16716968\rsid16720477\rsid16721636\rsid16726351\rsid16727811\rsid16728981\rsid16744167}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info
{\author Justice Lyone}{\operator Kelera Ravai}{\creatim\yr2019\mo3\dy22\hr9\min29}{\revtim\yr2019\mo3\dy22\hr9\min29}{\printim\yr2019\mo3\dy22\hr9\min26}{\version2}{\edmins1}{\nofpages17}{\nofwords4444}{\nofchars25331}{\*\company Microsoft}
{\nofcharsws29716}{\vern49247}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw11906\paperh16838\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\widowctrl\ftnbj\aenddoc\trackmoves0\trackformatting1\donotembedsysfont1\relyonvml0\donotembedlingdata0\grfdocevents0\validatexml1\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors1\noxlattoyen
\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace180\dgvspace180\dghorigin1440\dgvorigin1440\dghshow1\dgvshow1
\jexpand\viewkind1\viewscale100\pgbrdrhead\pgbrdrfoot\splytwnine\ftnlytwnine\htmautsp\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\wrppunct
\asianbrkrule\rsidroot8351539\newtblstyruls\nogrowautofit\utinl \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup7{\*\ftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10318558 
\rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid13786110 \chftnsep 
\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10318558 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid13786110 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10318558 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid13786110 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10318558 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid13786110 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sectrsid12855236\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\s19\qr \li0\ri0\sa200\sl276\slmult1\widctlpar
\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 
\af35 \ltrch\fcs0 \insrsid9313792 \hich\af39\dbch\af37\loch\f39  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af35 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid3488035 \hich\af39\dbch\af37\loch\f39 2}}}\sectd \ltrsect
\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid9313792 
\par }\pard \ltrpar\s19\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af35 \ltrch\fcs0 \insrsid9313792 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\ql \li0\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10037841 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \b\f37\fs24\ul\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37 IN THE HIGH COURT OF FIJI}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid8651154 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37 AT }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10037841 \hich\af37\dbch\af37\loch\f37 SUVA}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \b\f37\fs24\ul\insrsid10318558\charrsid10162984 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid2165844\charrsid10162984 \hich\af37\dbch\af37\loch\f37 CIVI}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37 L JURISDICTION

\par }\pard \ltrpar\qj \li4320\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4320\itap0\pararsid988605 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid10318558\charrsid10162984 
\par }\pard \ltrpar\qr \li4320\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4320\itap0\pararsid13787752 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid3895978 \hich\af37\dbch\af37\loch\f37              }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37 CIVIL ACTION NO: }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid15018497 \hich\af37\dbch\af37\loch\f37 HBC }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \b\f37\fs24\insrsid15613774 \hich\af37\dbch\af37\loch\f37 216 of 2010}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid10318558 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid988605 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid10318558\charrsid10162984 
\par }\pard \ltrpar\qj \fi-2880\li2880\ri0\sl276\slmult1\widctlpar\tx2160\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid988605 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10318558\charrsid10162984 
\par }\pard \ltrpar\qj \fi-1701\li1701\ri0\sa200\sl276\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10037841\charrsid402144 
\hich\af37\dbch\af37\loch\f37 BETWEEN}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10037841\charrsid402144 \tab \hich\af37\dbch\af37\loch\f37 :\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid4881744\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 FIJI DEVELOPMENT BANK}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid4881744\charrsid8192079 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4881744\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 a body corporate having its Head Office at 360 Victoria Parade, Suva}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid6043883\charrsid8192079 .
\par }\pard \ltrpar\ql \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10037841\charrsid402144 
\par }\pard \ltrpar\qr \fi-1701\li1701\ri0\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10037841\charrsid402144 \hich\af37\dbch\af37\loch\f37 PLAINTIFF

\par }\pard \ltrpar\ql \fi-1701\li1701\ri0\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10037841\charrsid402144 
\par }\pard \ltrpar\ql \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid13770824 
\par }\pard \ltrpar\qj \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10037841\charrsid402144 \hich\af37\dbch\af37\loch\f37 AND}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10037841\charrsid402144 \tab \hich\af37\dbch\af37\loch\f37 :\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid7104824 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\b\f37\fs24\ul\insrsid4881744\charrsid8192079 \hich\af37\dbch\af37\loch\f37 ASENACA NATAGANE NAWAQALEVU aka \hich\af37\dbch\af37\loch\f37 ASENACA NAWAQALEVU}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid4881744\charrsid8192079 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4881744\charrsid8192079 \hich\af37\dbch\af37\loch\f37 of 74 Domain Road, Suva, City Planner.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\ul\insrsid6043883\charrsid8192079 

\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid6043883\charrsid14429480 
\par }\pard \ltrpar\qr \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid6043883 \tab \tab \tab \tab \tab \tab \tab \tab 
\hich\af37\dbch\af37\loch\f37                }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\ul\insrsid10037841\charrsid402144 \hich\af37\dbch\af37\loch\f37 DEFENDANT 
\par }\pard \ltrpar\qr \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\tx2160\tx2977\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid14642419 
\par }\pard \ltrpar\ql \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\tx2160\tx2977\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid9393584 
\par }\pard \ltrpar\ql \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\tx2268\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid13770824 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid14642419\charrsid14642419 \hich\af37\dbch\af37\loch\f37 BEFORE}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid14642419 \tab \hich\af37\dbch\af37\loch\f37 :\tab }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \b\f37\fs24\insrsid7104824 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14642419\charrsid14642419 \hich\af37\dbch\af37\loch\f37 Justice Riyaz Hamza
\par }\pard \ltrpar\qj \fi-1701\li1701\ri0\widctlpar\tx1134\tx1418\tx1985\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\caps\f37\fs24\ul\insrsid2185395 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid8399955 \tab \tab \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\fs24\insrsid12875088 
\par }\pard\plain \ltrpar\s16\qj \fi-1701\li1701\ri0\sl276\slmult1\widctlpar\tx1134\tx1418\tx1985\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\fs24\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37 COUNSEL\tab :\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\b\fs24\insrsid7104824 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid9062937 \hich\af37\dbch\af37\loch\f37 Mr. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid15613774 \hich\af37\dbch\af37\loch\f37 Mukesh Nand}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \fs24\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37  for }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid9062937 \hich\af37\dbch\af37\loch\f37 the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid14642419 
\hich\af37\dbch\af37\loch\f37 Plaintiff}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid10318558 
\par }\pard \ltrpar\s16\qj \fi-1701\li1701\ri0\sl276\slmult1\widctlpar\tx1134\tx1418\tx2268\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid935696 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid10162347 \tab \tab }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \fs24\insrsid7104824 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid13652340 \hich\af37\dbch\af37\loch\f37 Mr. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid15613774 \hich\af37\dbch\af37\loch\f37 Willy Hiuare}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid9901364 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid11863536 \hich\af37\dbch\af37\loch\f37 for the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid14953494 
\hich\af37\dbch\af37\loch\f37 Defendant}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid7360730\charrsid10162984 
\par }\pard \ltrpar\s16\qj \fi-1701\li1701\ri0\sl276\slmult1\widctlpar\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1701\itap0\pararsid988605 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\fs24\insrsid10318558\charrsid10162984 \tab \tab \tab \tab 
\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid10318558\charrsid10162984 \hich\af37\dbch\af37\loch\f37  
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\fs24\insrsid8352757 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\fs24\insrsid10318558\charrsid10162984 
\par }\pard\plain \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\brdrt\brdrs\brdrw10\brsp20 \brdrb\brdrs\brdrw10\brsp20 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13770824 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f37\fs28\insrsid9439859\charrsid13770824 \hich\af37\dbch\af37\loch\f37 JUDGMENT }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 
\b\f37\fs28\insrsid12855236\charrsid13770824 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13770824 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13770824\charrsid13770824 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af37 \ltrch\fcs0 \f37\lang2057\langfe1033\langnp2057\langfenp1033\insrsid9242833 \hich\af37\dbch\af37\loch\f37 [1]\tab}}\pard\plain \ltrpar\qj \fi-567\li567\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin567\itap0\pararsid2428712 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid9242833 \hich\af37\dbch\af37\loch\f37 The Plaintiff commence\hich\af37\dbch\af37\loch\f37 d this action}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14508390\charrsid1865016 \hich\af37\dbch\af37\loch\f37  }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7632496\charrsid1865016 \hich\af37\dbch\af37\loch\f37 by way of }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid10046448\charrsid1865016 \hich\af37\dbch\af37\loch\f37 a}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid9530554 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9242833 \hich\af37\dbch\af37\loch\f37 Writ of Summons, issued on }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3556879 
\hich\af37\dbch\af37\loch\f37 13 July 2010}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9242833 .}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \f37\fs24\insrsid14440547\charrsid9242833 
\par }\pard \ltrpar\qj \fi-567\li567\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10162347 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3556879 \hich\af37\dbch\af37\loch\f37 [2}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4354489 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15400976 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9530554 \hich\af37\dbch\af37\loch\f37 
In the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3424102 \hich\af37\dbch\af37\loch\f37 Statement of Claim }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3556879 \hich\af37\dbch\af37\loch\f37 attached thereto }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid3424102 \hich\af37\dbch\af37\loch\f37 the Plaintiff}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid11095822 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3424102 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid11095822 \hich\af37\dbch\af37\loch\f37 inter alia, submit}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9242833 \hich\af37\dbch\af37\loch\f37 s}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3424102 
\hich\af37\dbch\af37\loch\f37  as follows:
\par }\pard \ltrpar\qj \fi-588\li1439\ri521\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1439\itap0\pararsid12718825 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3424102 \hich\af37\dbch\af37\loch\f37 (1)\tab }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3556879\charrsid8192079 \hich\af37\dbch\af37\loch\f37 The Plaintiff is a body corporate established under Section 3 of the Fiji Development Bank \hich\af37\dbch\af37\loch\f37 Act (Chapter 214}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid3556879\charrsid8192079 \hich\af37\dbch\af37\loch\f37  of the Laws of Fiji).}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10186869\charrsid8192079 
\par }\pard \ltrpar\qj \fi-586\li1437\ri521\sa120\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1437\itap0\pararsid12718825 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid3424102\charrsid14429480 
\hich\af37\dbch\af37\loch\f37 (2)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3556879\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
Under Section 18 of the Act, the Plaintiff is empowered to carry on banking business including the power to lend money on such terms and conditions as it may determine.}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \fs24\insrsid3556879 
\par }\pard\plain \ltrpar\s15\qj \fi-586\li1437\ri521\sa120\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1437\itap0\pararsid12718825\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid3424102\charrsid1865016 \hich\af37\dbch\af37\loch\f37 (3)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37 Pursuant to the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2367351 \hich\af37\dbch\af37\loch\f37 L}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37 oan }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2367351 \hich\af37\dbch\af37\loch\f37 A}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2971165\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 greement}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37  dated 2}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 May 2006, and v}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37 ariation of loan terms and conditions letter}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37  dated 14}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37 June 2006}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2971165\charrsid8192079 
\hich\af37\dbch\af37\loch\f37  entered between the Plaintiff and Defendant, the Plaintiff made certain loan facilities to the Defendant and as security for which the Defendant granted 1}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\super\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37 st}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2971165\charrsid8192079 \hich\af37\dbch\af37\loch\f37  Mortgage over CT96\hich\af37\dbch\af37\loch\f37 
64 and adequate all risk insurance over CT9664 for at least $180,000 to secure the loan}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4078896\charrsid8192079 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9242833\charrsid8192079 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4078896\charrsid8192079 
\par }\pard\plain \ltrpar\qj \fi-586\li1437\ri521\sa120\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1437\itap0\pararsid12718825 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid3424102\charrsid14429480 \hich\af37\dbch\af37\loch\f37 (4)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 The Defendant had defaulted in repaying the loan. Therefore, on or about 26 April 2007, the Plaintiff issued and served Demand Notice on the Defendant demanding 
\hich\af37\dbch\af37\loch\f37 full payment but the Defendant refused and or neglected to pay.
\par }\pard\plain \ltrpar\s15\qj \fi-586\li1439\ri521\sa120\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1439\itap0\pararsid12718825\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13001943 \hich\af37\dbch\af37\loch\f37 (5)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 Thereafter, the Plaintiff exercised its rights under the securities and sold the mortgaged property with sale proceeds credited to the Defendant\hich\f37 \rquote \loch\f37 
s account. However, the Plaintiff could not\hich\af37\dbch\af37\loch\f37  recover the full debt.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13590745 
\par }\pard \ltrpar\s15\qj \fi-586\li1439\ri521\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1439\itap0\pararsid12718825\contextualspace {\rtlch\fcs1 \af37\afs16 \ltrch\fcs0 \f37\fs16\insrsid12718825\charrsid12718825 
\par }\pard \ltrpar\s15\qj \fi-586\li1439\ri521\sa120\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1439\itap0\pararsid12718825\contextualspace {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid2972988 
\hich\af37\dbch\af37\loch\f37 (6)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 As at 27 May 2010, the Defendant had owed the sum of $188,450.91 (ONE HUNDRED }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 EIGHTY EIGHT THOUSAND FOUR HUNDRED }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
FIFTY DOLLARS AND NINETY ONE CENTS) to the Plaintiff, with interest accruing thereon at the rate of 13% pe\hich\af37\dbch\af37\loch\f37 r annum as from the 28 May 2010}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13001943\charrsid8192079 .}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid6848292 
\par }\pard\plain \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12978349 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14370453 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2910914 
\hich\af37\dbch\af37\loch\f37 3}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4978 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid11095822 \hich\af37\dbch\af37\loch\f37 Accordingly,}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16716435 \hich\af37\dbch\af37\loch\f37  the}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16716435\charrsid16716435 \hich\af37\dbch\af37\loch\f37  Plaint}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid3944235 \hich\af37\dbch\af37\loch\f37 iff}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15163625 \hich\af37\dbch\af37\loch\f37  claim}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3944235 \hich\af37\dbch\af37\loch\f37 s}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16716435\charrsid16716435 \hich\af37\dbch\af37\loch\f37  the following reliefs}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid11095822 \hich\af37\dbch\af37\loch\f37  against the Defendant}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16716435\charrsid16716435 \hich\af37\dbch\af37\loch\f37 :
\par }\pard \ltrpar\qj \fi-870\li1437\ri521\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1437\itap0\pararsid12718825 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16146589\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 (i)\tab Judgment against the Defendant for the sum of $188,450.91 (ONE HUNDRED }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid16146589\charrsid8192079 \hich\af37\dbch\af37\loch\f37 EIGHTY EIGHT THOUSAND FOUR HUNDRED }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid16146589\charrsid8192079 \hich\af37\dbch\af37\loch\f37 FIFTY DOLLARS AND NINE\hich\af37\dbch\af37\loch\f37 TY ONE CENTS) together with the interest at the rate of 13% per annum from 28}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\super\insrsid16146589\charrsid8192079 \hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16146589\charrsid8192079 \hich\af37\dbch\af37\loch\f37  May 2010 until full payment.
\par }\pard \ltrpar\qj \li567\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid16146589 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16146589\charrsid8192079 \hich\af37\dbch\af37\loch\f37 (ii)
\tab Costs of this action.
\par \hich\af37\dbch\af37\loch\f37 (iii)\tab Any other reliefs this Honourable Court deems just.
\par }\pard \ltrpar\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\tx567\tx5376\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid12978349 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4146072 \hich\af37\dbch\af37\loch\f37 [}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7415831 \hich\af37\dbch\af37\loch\f37 4}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14706793 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4146072 \tab }{\rtlch\fcs1 
\af35 \ltrch\fcs0 \f37\fs24\insrsid7415831 \hich\af37\dbch\af37\loch\f37 The Defendant filed her Statement of Defence on 27 Septemb\hich\af37\dbch\af37\loch\f37 er 2010, while the Plaintiff filed Reply to Defence on 14 October 2010.
\par \hich\af37\dbch\af37\loch\f37 [5]\tab On 26 February 2014, the Defendant filed a Summons seeking the leave of Court to amend her Statement of Defence. The Summons was supported by an Affidavit deposed to by the Defenda\hich\af37\dbch\af37\loch\f37 nt.}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37  An Affidavit in Response was filed by an Officer of the Plaintiff Bank, objecting to the application for amendment.}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid7415831 
\par \hich\af37\dbch\af37\loch\f37 [6]\tab }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37 On 24 October 2014, Maste}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid211569 \hich\af37\dbch\af37\loch\f37 
r Thushara Rajasinghe (as he}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37  then}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid211569 \hich\af37\dbch\af37\loch\f37  was}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37 ), granted leave to amend the Statement of Defence filed by the Defend\hich\af37\dbch\af37\loch\f37 ant on 27 September 2010.}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7415831 
\par }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37 [7]\tab Accordingly, the}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7224500 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid853291 \hich\af37\dbch\af37\loch\f37 Amended }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid1969109 \hich\af37\dbch\af37\loch\f37 S}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5468687 \hich\af37\dbch\af37\loch\f37 
tatement of Defence}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37  was filed in Court}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid2510128 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid13050279 \hich\af37\dbch\af37\loch\f37 on 25 November 2014. }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid16253032 \hich\af37\dbch\af37\loch\f37 Therein, the}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7224500 
\hich\af37\dbch\af37\loch\f37  Defendant}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14763079 ,}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7224500 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12978349 
\hich\af37\dbch\af37\loch\f37 inter alia, states as follows:}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4213046 
\par }\pard \ltrpar\qj \fi-564\li1134\ri521\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid8852231 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid16411804 
\hich\af37\dbch\af37\loch\f37 (1)}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \fs24\insrsid5075874 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid16411804 \hich\af37\dbch\af37\loch\f37 
Although it is agreed that the Plaintiff exercised its rights under the securitie\hich\af37\dbch\af37\loch\f37 s and sold the mortgaged property with sale proceeds credited to the Defendant\hich\f37 \rquote \loch\f37 
s account, the Defendant asserts that the Plaintiff failed to exercise its power of sale as mortgagee properly in all the circumstances.
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12978349\charrsid16411804 \hich\af37\dbch\af37\loch\f37 (2)}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \fs24\insrsid5075874 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid12913664\charrsid16411804 \hich\af37\dbch\af37\loch\f37 The Defendant }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid16411804 \hich\af37\dbch\af37\loch\f37 alleges that the Plain\hich\af37\dbch\af37\loch\f37 
tiff Bank unfairly sold the property on the following grounds that:
\par }\pard \ltrpar\qj \fi-1985\li1985\ri1088\sa200\sl360\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1088\lin1985\itap0\pararsid8852231 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid16411804 \tab 
\hich\af37\dbch\af37\loch\f37 (i)\tab That the buyer was one of the officers from BSP Bank which is another credit bank having connection with }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
Fiji Development Bank}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid5075874 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5075874 \hich\af37\dbch\af37\loch\f37 (}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid5075874\charrsid16411804 \hich\af37\dbch\af37\loch\f37 FDB).
\par \tab \hich\af37\dbch\af37\loch\f37 (ii)\tab That the sale price was lower in the sum of\hich\af37\dbch\af37\loch\f37  $180,000.00.
\par \tab \hich\af37\dbch\af37\loch\f37 (iii)\tab That the sale price was below the recommended force market sale price of $250,000}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid10946410 .00}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid5075874\charrsid16411804 \hich\af37\dbch\af37\loch\f37  - $300,000.00.
\par \tab \hich\af37\dbch\af37\loch\f37 (iv)\tab That the bank\hich\f37 \rquote \loch\f37 s conduct in the above (i); (ii) and (iii) amount to dishonest and fraudulent dealings.
\par }\pard \ltrpar\qj \fi-567\li1134\ri521\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid8852231 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12913664\charrsid16411804 
\hich\af37\dbch\af37\loch\f37 (3)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12978349\charrsid16411804 \hich\af37\dbch\af37\loch\f37 The }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid8392001\charrsid16411804 
\hich\af37\dbch\af37\loch\f37 Defendant submits t\hich\af37\dbch\af37\loch\f37 he said sold price on forced mortgagee sale can be used as set off to pay the said remaining amount.
\par }\pard \ltrpar\qj \fi-564\li1134\ri521\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid1270256 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid1270256\charrsid16411804 
\hich\af37\dbch\af37\loch\f37 (4)\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12470978\charrsid16411804 \hich\af37\dbch\af37\loch\f37 Accordingly, the Defendant }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid1270256\charrsid16411804 \hich\af37\dbch\af37\loch\f37 denies that she owes the}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12470978\charrsid16411804 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid1270256\charrsid16411804 \hich\af37\dbch\af37\loch\f37 Plaintiff}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12470978\charrsid16411804 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid1270256\charrsid16411804 \hich\af37\dbch\af37\loch\f37 the sum of $188,450.91. She claims that the amount she owes the Plaintiff depended on the\hich\af37\dbch\af37\loch\f37  proper exercise by the Plaintiff of its mortgagee\hich\f37 
\rquote \loch\f37 s power of sale.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12470978\charrsid16411804 
\par }\pard\plain \ltrpar\s16\ql \fi-1134\li1134\ri0\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid8523145 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881\charrsid13575881 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8852231 
\hich\af37\dbch\af37\loch\f37 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881\charrsid13575881 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881 \hich\af37\dbch\af37\loch\f37 On 3 Decemb}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4354558 \hich\af37\dbch\af37\loch\f37 er 2014}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881 \hich\af37\dbch\af37\loch\f37 , the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid13575881\charrsid13575881 \hich\af37\dbch\af37\loch\f37  Plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881 \hich\af37\dbch\af37\loch\f37 filed a reply t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4354558 
\hich\af37\dbch\af37\loch\f37 o the Amended Statement of Defence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1770347 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13575881\charrsid13575881 \tab 
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid12978349\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \f37\fs24\insrsid14370453\charrsid13575881 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 
\f37\fs24\insrsid8852231 \hich\af37\dbch\af37\loch\f37 9}{\rtlch\fcs1 \af35\afs24 \ltrch\fcs0 \f37\fs24\insrsid8939919\charrsid13575881 \hich\af37\dbch\af37\loch\f37 ]\tab The Minutes of the Pre-Trial Conference}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid8939919 \hich\af37\dbch\af37\loch\f37  record the following:
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8852231 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8852231 
\par }\pard\plain \ltrpar\qj \fi-567\li1134\ri521\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid7893714 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 A.\tab AGREED FACTS
\par }\pard \ltrpar\qj \fi-1134\li1701\ri521\sa200\sl360\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1701\itap0\pararsid7893714 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \tab 
\hich\af37\dbch\af37\loch\f37 1.\tab It is agree\hich\af37\dbch\af37\loch\f37 \hich\f37 d that the Plaintiff is a body corporate established under Section 3 of the Fiji Development Bank Act, Chapter 214 (\'93\loch\f37 \hich\f37 the Act\'94\loch\f37 
) with perpetual succession and a common seal and is capable of suing and being sued.
\par \tab \hich\af37\dbch\af37\loch\f37 2.\tab It is agreed that under Section 18 of the\hich\af37\dbch\af37\loch\f37 
 Act, the Plaintiff is empowered to carry on banking business including the power to lend money on such terms and conditions as it may determine.
\par \tab \hich\af37\dbch\af37\loch\f37 3.\tab It is agreed that pursuant to loan agreement dated 2}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 nd}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  May 2006 and variation of loan terms and conditions\hich\af37\dbch\af37\loch\f37  letter, dated 14}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\super\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
 June 2006, entered between the Plaintiff and Defendant, the Plaintiff made certain loan facilities to the Defendant and as security for which the Defendant granted 1}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid13502118\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 st}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  Mortgage over CT 9664.
\par \tab \hich\af37\dbch\af37\loch\f37 4.\tab It is agreed that the Defendant defaulted\hich\af37\dbch\af37\loch\f37  in repaying the loan. Therefore, on or about 26}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid13502118\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  April 2007, the Plaintiff issued and served Demand Notice on the Defendant demanding full payment.
\par \tab \hich\af37\dbch\af37\loch\f37 5.\tab It is agreed that the Plaintiff exercised its rights under the securities and sold the mortgaged prope\hich\af37\dbch\af37\loch\f37 rty with sale proceeds credited to the Defendant\hich\f37 \rquote \loch\f37 
s account.
\par }\pard \ltrpar\qj \fi-567\li1134\ri521\sa200\sl360\slmult1\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid7893714 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid13502118\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 B.\tab DISPUTED FACTS
\par }\pard \ltrpar\qj \fi-1134\li1134\ri521\sa200\sl360\slmult1\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid13502118 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \tab }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 The parties dispute the following facts and figures:
\par }\pard \ltrpar\qj \fi-1701\li1701\ri521\sa200\sl360\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1701\itap0\pararsid7893714 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \tab 
\hich\af37\dbch\af37\loch\f37 1.\tab It is disputed that the Defendant refused or neglected to pay the debt.
\par \tab \hich\af37\dbch\af37\loch\f37 2.\tab It is disputed that the Plaintiff failed to\hich\af37\dbch\af37\loch\f37  exercise its powers as mortgagee properly in all circumstances.
\par \tab \hich\af37\dbch\af37\loch\f37 3.\tab It is disputed that as at 27}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  May 2010, the Defendant had owed the sum of $188,450.91 to the Plaintiff with interest accruing thereon at the rate of 13% per annum as from 28}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\super\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  day of May\hich\af37\dbch\af37\loch\f37  2010.
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8852231 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13502118\charrsid8192079 
\par }\pard\plain \ltrpar\qj \fi-1134\li1134\ri521\sa200\sl360\slmult1\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid13502118 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid7893714 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\insrsid13502118\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 C.\tab ISSUES TO BE TRIED BY THE HONOURABLE COURT
\par }\pard \ltrpar\qj \fi-1701\li1701\ri521\sa200\sl360\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1701\itap0\pararsid7893714 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \tab 
\hich\af37\dbch\af37\loch\f37 1.\tab Whether the Defendant owes the sum of $188,450.91 to the Plaintiff being the debt balance outstanding as at 27}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\super\insrsid13502118\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 th}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13502118\charrsid8192079 \hich\af37\dbch\af37\loch\f37  May 2010.
\par \tab \hich\af37\dbch\af37\loch\f37 2.\tab Whether the Plaintiff had failed to exercise its powers as mortgagee p\hich\af37\dbch\af37\loch\f37 roperly in all the circumstances.
\par \tab \hich\af37\dbch\af37\loch\f37 3.\tab Whether the sale price was below the recommended forced market price at that time.
\par \tab \hich\af37\dbch\af37\loch\f37 4.\tab Whether the forced mortgage sale price can be used to set off the alleged debt.
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7893714 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7893714 
\par }\pard\plain \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\tx567\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13502118 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid13445031 \hich\af37\dbch\af37\loch\f37 THE PLAINTIFF\hich\f37 \rquote \loch\f37 S CASE
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13445031 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6503477 
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid7893714\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13445031 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 10}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4213046 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid3290776 \hich\af37\dbch\af37\loch\f37 The }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid7224564 \hich\af37\dbch\af37\loch\f37 H}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid3290776 \hich\af37\dbch\af37\loch\f37 earing}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid479639 \hich\af37\dbch\af37\loch\f37  in this cas
\hich\af37\dbch\af37\loch\f37 e commenced with }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid3229116 \hich\af37\dbch\af37\loch\f37 Surendra Prasad}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid479639 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 
\af35 \ltrch\fcs0 \f37\fs24\insrsid3229116 \hich\af37\dbch\af37\loch\f37 testifying}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid479639 \hich\af37\dbch\af37\loch\f37  on behalf of the Plaintiff}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid3290776\charrsid2700499 .}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid2105660 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid3229116 \hich\af37\dbch\af37\loch\f37 
He was the sole witness for the Plaintiff. }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid2105660 
\par }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\par }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8206029 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8869414 \hich\af37\dbch\af37\loch\f37 1}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 1}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8206029 \hich\af37\dbch\af37\loch\f37 ]\tab During the course of }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid6503477 \hich\af37\dbch\af37\loch\f37 the Plaintiffs
\hich\f37 \rquote \loch\f37  case the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8206029 \hich\af37\dbch\af37\loch\f37 follo}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14309333 \hich\af37\dbch\af37\loch\f37 wing exhibits were tendered to C}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8206029 \hich\af37\dbch\af37\loch\f37 ourt:
\par }\pard\plain \ltrpar\s16\qj \fi-1418\li1985\ri521\sl276\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid12461792 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P1}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\fs24\insrsid10624279\charrsid2428712 \tab -\tab \hich\af37\dbch\af37\loch\f37 Copy of }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid479639 \hich\af37\dbch\af37\loch\f37 the }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid14167224 
\hich\af37\dbch\af37\loch\f37 Loan Agreement}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid479639 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid14167224 \hich\af37\dbch\af37\loch\f37  dated 2 May}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid479639 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 200}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid14167224 \hich\af37\dbch\af37\loch\f37 6}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\fs24\insrsid10507440 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid10624279 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid10507440\charrsid2428712 
\par }\pard\plain \ltrpar\qj \fi-1418\li1985\ri521\sa200\sl276\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid12461792 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P2}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid14167224 \hich\af37\dbch\af37\loch\f37 Copy of the variation of loan terms and conditions, dated 14 June 2006.}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P3}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid14167224 
\hich\af37\dbch\af37\loch\f37 Copy of the Demand Notice, dated 26 April 2007}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10507440 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P4}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9268101 
\hich\af37\dbch\af37\loch\f37 Copy of Certificate of Title No. 9664}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10507440 \hich\af37\dbch\af37\loch\f37 . }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\hich\af37\dbch\af37\loch\f37  
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P5}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab \hich\af37\dbch\af37\loch\f37 Copy of }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid9268101 \hich\af37\dbch\af37\loch\f37 Mortgage No. 590343}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10507440 \hich\af37\dbch\af37\loch\f37 . }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 

\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P6}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9268101 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Defend\hich\af37\dbch\af37\loch\f37 ant to the Plaintiff Bank, dated 6}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\super\insrsid9268101 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid15817703 \hich\af37\dbch\af37\loch\f37 June 2007 (For R}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9268101 \hich\af37\dbch\af37\loch\f37 econsideration of Demand Notice on Mortgage 590343).}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P7}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10839628 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Plaintiff Bank to the Defendant, dated 11 June 2007.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P8}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10839628 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Defendant to the Plaintiff Bank, da\hich\af37\dbch\af37\loch\f37 ted 20}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\super\insrsid10839628 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10839628 \hich\af37\dbch\af37\loch\f37 June 2007}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid211748 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P9}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5452099 \hich\af37\dbch\af37\loch\f37 e}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10839628 \hich\af37\dbch\af37\loch\f37 xtract for }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid5452099 \hich\af37\dbch\af37\loch\f37 a}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10839628 \hich\af37\dbch\af37\loch\f37 
dvertisement to appear in the Fiji Times on 28 July 2007; Daily Post on 27 July 2007 and Fiji Sun on 27 July 2007.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }\pard \ltrpar\qj \fi-1418\li1985\ri521\sa200\sl276\slmult1\widctlpar\tx851\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid12461792 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 
\hich\af37\dbch\af37\loch\f37 P10}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10630270 \hich\af37\dbch\af37\loch\f37 Copy of }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid1770442 \hich\af37\dbch\af37\loch\f37 Tender }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10630270 \hich\af37\dbch\af37\loch\f37 Offer Letter from Russell Stone}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1862786 ,}{\rtlch\fcs1 
\af37 \ltrch\fcs0 \f37\fs24\insrsid10630270 \hich\af37\dbch\af37\loch\f37  dated }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10630270\charrsid4160851 \hich\af37\dbch\af37\loch\f37 2 }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4160851 
\hich\af37\dbch\af37\loch\f37 July}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10630270\charrsid4160851 \hich\af37\dbch\af37\loch\f37  2007}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1862786 \hich\af37\dbch\af37\loch\f37 
 (should be 2 August 2007)}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10630270\charrsid4160851 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279 
\par }\pard \ltrpar\qj \fi-1418\li1985\ri521\sa200\sl276\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid12461792 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 
\hich\af37\dbch\af37\loch\f37 P11}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1770442 \hich\af37\dbch\af37\loch\f37 
Copy of Tender Offer Letter from Mosmi Bhim, dated }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1770442\charrsid4160851 \hich\af37\dbch\af37\loch\f37 13 July 2007.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid3439685\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P12}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1770442 
\hich\af37\dbch\af37\loch\f37 Copy of Tender Offer Letter from Vueti May, dated 3 August 2007.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid10624279\charrsid12067035 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P13}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of Tender Offer Letter from Ben Ralogaivau, (which is undated)}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9120049 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\lang1033\langfe1033\langnp1033\insrsid6752296\charrsid9120049 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P14}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5452099 \hich\af37\dbch\af37\loch\f37 extract for a}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 \hich\af37\dbch\af37\loch\f37 dvertiseme
\hich\af37\dbch\af37\loch\f37 nt to appear in the Fiji Times on 1 September 2007; Daily Post on 31 August 2007 and Fiji Sun on 31 August 2007 and 11 September 2007.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P15}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of Advertisement in the Fiji Sun, on 18 January 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P16}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of Advertisement in the Fiji Sun, on 2 Februa\hich\af37\dbch\af37\loch\f37 ry 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P17}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of Advertisement in the Fiji Times, on 2}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\super\insrsid5990390 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 February 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P18}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5990390 
\hich\af37\dbch\af37\loch\f37 Copy of Advertisement in the Fiji Times, on 9 February 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P19}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7818656 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Plaintiff Bank to the Defendant, dated 31 July 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P20}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7818656 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent b\hich\af37\dbch\af37\loch\f37 y the Defendant to the Plaintiff Bank, dated 4 September 2008}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 .
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P21}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5452099 
\hich\af37\dbch\af37\loch\f37 Copy of extract for advertisement to appear in the Fiji Times on 31 January 2009; Daily Post on 31 January 2009 and Fiji Sun on 31 January 2009 and 7 February 2009}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid926561 .}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P22}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10684725 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 -\tab }
{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8274979 \hich\af37\dbch\af37\loch\f37 Copy of Tender O\hich\af37\dbch\af37\loch\f37 ffer Letter from Jonathan Stevens, dated 11 February 2009}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9332020 .}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 P23}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10447755 
\hich\af37\dbch\af37\loch\f37 Copy of Valuation Report carried out on 16 March 2009, by Professional Valuation Limited}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 

\par }\pard \ltrpar\qj \fi-1418\li1985\ri521\sa200\sl276\slmult1\widctlpar\tx1134\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid7604794 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 
\hich\af37\dbch\af37\loch\f37 P24}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10684725 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 -\tab 
}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15150362 \hich\af37\dbch\af37\loch\f37 Copy of Tender Offer Letter from Jonathan Stevens, dated 27 March 2009.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279 
\par }\pard \ltrpar\qj \fi-1418\li1985\ri521\sa200\sl276\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid7604794 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P25
\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15150362 \hich\af37\dbch\af37\loch\f37 Copy of letter s
\hich\af37\dbch\af37\loch\f37 ent by the Plaintiff Bank to the Defendant, dated 2}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\super\insrsid15150362 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15150362 
\hich\af37\dbch\af37\loch\f37 April 2009.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P26\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 \tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid15150362 \hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Plaintiff Bank to the Defendant, dated 27 July 2009}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 .
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P27\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 \tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Defendant to the Plaintiff Bank, dated 29 September 2009}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12461792 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid158887 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P28\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8472693 \tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 Copy of l\hich\af37\dbch\af37\loch\f37 etter sent by the Plaintiff Bank to the Defendant, dated 6 November 2009}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\lang1033\langfe1033\langnp1033\insrsid12461792 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P29\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8472693 \tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Defendant to the Plaintiff Bank, dated 19 May 2010}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8472693 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid158887 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid158887 \hich\af37\dbch\af37\loch\f37 P30\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887\charrsid158887 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid158887 \tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Plaintiff Bank to the Defendant, dated 27 May 2010}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid8472693 .}{\rtlch\fcs1 
\af37 \ltrch\fcs0 \f37\fs24\insrsid158887 
\par }\pard \ltrpar\qj \fi-1418\li1985\ri521\sa240\sl276\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1985\itap0\pararsid7604794 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid12461792 \hich\af37\dbch\af37\loch\f37 P}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 31}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid8472693 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8472693\charrsid8472693 -\tab }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid8472693 \hich\af37\dbch\af37\loch\f37 Copy o\hich\af37\dbch\af37\loch\f37 f }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 Loan Account Statement from 1 January 2010 to 30 June 2010}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10042841 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12461792 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10907106 \hich\af37\dbch\af37\loch\f37 P32\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907106\charrsid10907106 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907106 \tab 
\hich\af37\dbch\af37\loch\f37 Copy of Valuation Report, dated 25 April 2006.
\par }\pard \ltrpar\qj \fi-567\li567\ri0\sa200\sl360\slmult1\widctlpar\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid2454760 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15871237\charrsid15871237 
\hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 12}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15871237\charrsid15871237 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15871237 \tab \hich\af37\dbch\af37\loch\f37 Surendr}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 a Prasad testified that he was a Bank Officer at }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760\charrsid8192079 \hich\af37\dbch\af37\loch\f37 Fiji Development Bank}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760\charrsid5075874 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 (}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760\charrsid16411804 \hich\af37\dbch\af37\loch\f37 FDB).}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760 
\hich\af37\dbch\af37\loch\f37  He had been working at FDB for 26 years and had ser\hich\af37\dbch\af37\loch\f37 
ved in various branches. Currently he is serving at the Asset Management Unit, based at the head office in Suva. He has been attached to the said Unit for the past 4 years and currently serves as the Team Leader Recovery.}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid15871237 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 13}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760 
\hich\af37\dbch\af37\loch\f37 ]\tab The witness explained that th\hich\af37\dbch\af37\loch\f37 e Asset Management Unit of the Bank gets involved to recover loans which are in default.
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 14}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 ]\tab 
He testified that the Defendant\hich\f37 \rquote \loch\f37 s file had been transferred from Home Loans to the Asset Management Unit in 2007.
\par }\pard\plain \ltrpar\s16\qj \fi-567\li567\ri-46\sl360\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid2367351 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid9648870 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 15}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid9648870 \hich\af37\dbch\af37\loch\f37 ]\tab As per the terms of the}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 
\af37 \ltrch\fcs0 \fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 Loan Agreement}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \fs24\insrsid2454760 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37  dat
\hich\af37\dbch\af37\loch\f37 ed 2 May }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid2454760\charrsid2428712 \hich\af37\dbch\af37\loch\f37 200}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid2454760 \hich\af37\dbch\af37\loch\f37 6}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \fs24\insrsid9648870 \hich\af37\dbch\af37\loch\f37 , a home loan had been granted to the Defendant in the sum of FJ$240,000.00 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\b\fs24\insrsid9648870\charrsid5850875 \hich\af37\dbch\af37\loch\f37 P1}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9648870 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9440240 \hich\af37\dbch\af37\loch\f37 
 to purchase a property at 13 Gomati Street, Tamavua, Suva}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5850875 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \fs24\insrsid5850875 \hich\af37\dbch\af37\loch\f37 Certificate of Title No. CT 9664 \hich\f37 \endash \loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5850875\charrsid5850875 \hich\af37\dbch\af37\loch\f37 P4}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5850875 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9648870 \hich\af37\dbch\af37\loch\f37  The loan was for a 20 year term and the mon
\hich\af37\dbch\af37\loch\f37 thly installment was FJ$2,384.00 covering principal plus interest and insurance.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9463176 \hich\af37\dbch\af37\loch\f37 
 As per the Agreement, the interest rate at the time was said to be 9.45% per annum.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid2454760 
\par }\pard \ltrpar\s16\ql \li0\ri-46\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin0\itap0\pararsid2367351 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536779 
\par }\pard\plain \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid2367351 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8536779\charrsid7943453 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid7893714\charrsid7943453 \hich\af37\dbch\af37\loch\f37 16}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8536779\charrsid7943453 \hich\af37\dbch\af37\loch\f37 ]\tab The loan terms and conditions had been varied by document dated 14 June}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8536779 \hich\af37\dbch\af37\loch\f37  2006 }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8536779\charrsid7943453 \hich\af37\dbch\af37\loch\f37 [Plainti\hich\af37\dbch\af37\loch\f37 ff\hich\f37 \rquote 
\loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid8536779\charrsid7943453 \hich\af37\dbch\af37\loch\f37 P2}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8536779\charrsid7943453 \hich\af37\dbch\af37\loch\f37 ].
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9440240\charrsid7943453 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714\charrsid7943453 \hich\af37\dbch\af37\loch\f37 1}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid1712477 \hich\af37\dbch\af37\loch\f37 7}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9440240\charrsid7943453 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16199926\charrsid7943453 
\hich\af37\dbch\af37\loch\f37 The property at 13 Gomati Street, Tamavua, Suva (Certificate of Title No. CT 9664) was mortgaged }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113\charrsid7943453 \hich\af37\dbch\af37\loch\f37 to}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid16199926\charrsid7943453 \hich\af37\dbch\af37\loch\f37  the Bank }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{
\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 5}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ].}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113 
\par }\pard \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid1712477 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1712477 \hich\af37\dbch\af37\loch\f37 [18]\tab }{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1712477\charrsid7943453 \hich\af37\dbch\af37\loch\f37 However, since the Defendant had defaulted payment of the loan, a Notice of Demand was sent t\hich\af37\dbch\af37\loch\f37 
o her dated 26 April 2007 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid1712477\charrsid7943453 \hich\af37\dbch\af37\loch\f37 P3}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1712477\charrsid7943453 
\hich\af37\dbch\af37\loch\f37 ]. The outstanding account balance as at 30 April 2007 was said to be FJ$274,910.23. 
\par }\pard \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid2367351 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 [}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 19}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 ]\tab 
On 6 June 2007, the Defendant transmitted a letter for reconsideration of the Demand Notice on the Mortgage }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plainti\hich\af37\dbch\af37\loch\f37 ff
\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid5180113 \hich\af37\dbch\af37\loch\f37 6}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid5180113\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11759666 \hich\af37\dbch\af37\loch\f37 . By Document }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\b\f37\fs24\insrsid11759666\charrsid8011956 \hich\af37\dbch\af37\loch\f37 P7}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11759666 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid8011956 \hich\af37\dbch\af37\loch\f37  which is dated 11 June 2007,}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11759666 \hich\af37\dbch\af37\loch\f37 
 the Plaintiff Bank advised the Defendant that it is going to be impossible for the Bank to withdraw from the current situation unless concrete repayment arrangements are put in place to protect\hich\af37\dbch\af37\loch\f37  the Bank\hich\f37 \rquote 
\loch\f37 s interest.
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907607 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 20}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907607 
\hich\af37\dbch\af37\loch\f37 ]\tab The Defendant submitted a letter dated 20 June 2007, where she put forward a repayment proposal }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907607\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff
\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10907607\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10907607 \hich\af37\dbch\af37\loch\f37 8}{\rtlch\fcs1 
\af37 \ltrch\fcs0 \f37\fs24\insrsid10907607\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10907607 \hich\af37\dbch\af37\loch\f37 . }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 
\hich\af37\dbch\af37\loch\f37 However, the Bank had rejected this proposal. 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 21}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 ]\tab 
Thereafter, the Plaintiff Bank had advertised the prope\hich\af37\dbch\af37\loch\f37 rty for sale }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{
\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 9}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 . Although, the Bank received offers for the property }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 s}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210 
\hich\af37\dbch\af37\loch\f37 10}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 P13}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 , it did not award the tender to any of them as the }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 offers were }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 low.
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 22}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 The Bank re-advertised the property four times }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s
\hich\af37\dbch\af37\loch\f37  Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 14}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid288040\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 
. However, no offers had been received. Thereafter, the Bank engaged a Solicitor for the sale of the property, who called for tenders on behalf of the Bank }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 s}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040\charrsid5180113 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 15 - P18}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid288040\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid288040 \hich\af37\dbch\af37\loch\f37 . }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7825357 
\hich\af37\dbch\af37\loch\f37 Yet again, no offers had been received for the proper\hich\af37\dbch\af37\loch\f37 ty.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13449210 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7825357 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 23}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7825357 
\hich\af37\dbch\af37\loch\f37 ]\tab Thereafter, the Bank placed the property on \hich\f37 \lquote \loch\f37 Private Sale\hich\f37 \rquote }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 \hich\af37\dbch\af37\loch\f37 
, via newspapers, websites and notice boards, etc.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7825357 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 24}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 
\hich\af37\dbch\af37\loch\f37 ]\tab On 31 July 2008, the Plaintiff wrote to the Defendant advising her that the Bank had now received an offer for FJ$180,000.00 which it\hich\af37\dbch\af37\loch\f37  intends to accept }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid1989956\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid1989956\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \b\f37\fs24\insrsid1989956 \hich\af37\dbch\af37\loch\f37 19}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 
\hich\af37\dbch\af37\loch\f37 . The outstanding debt balance as at this date was FJ$315,751.91. The Defendant had responded by letter dated 4 September 2008 }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid1989956\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid1989956 
\hich\af37\dbch\af37\loch\f37 20}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 \hich\af37\dbch\af37\loch\f37 .  
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 25}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid1989956 \hich\af37\dbch\af37\loch\f37 ]\tab  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid16188377 \hich\af37\dbch\af37\loch\f37 The Plaintiff had advertised the property for sale\hich\af37\dbch\af37\loch\f37  once again in January and February 2009 }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16188377\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid16188377\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid16188377 
\hich\af37\dbch\af37\loch\f37 21}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16188377\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16188377 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15491433 
\hich\af37\dbch\af37\loch\f37  The witness testified that pursuant to these advertisements, that an offer had been received for FJ$180,000.00 from one Jonathan Stevens }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15491433\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid15491433\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid15491433 
\hich\af37\dbch\af37\loch\f37 22}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15491433\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15491433 \hich\af37\dbch\af37\loch\f37 . }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid1989956 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 26}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295 
\hich\af37\dbch\af37\loch\f37 ]\tab The Plaintiff had \hich\af37\dbch\af37\loch\f37 conducted a professional valuation of the property and obtained a Valuation Report }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid355295\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid355295 
\hich\af37\dbch\af37\loch\f37 23}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295 \hich\af37\dbch\af37\loch\f37 
. As per the said report, the valuation of the property as at 16 March 2009 was FJ$207,000.00. 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 27}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295 \hich\af37\dbch\af37\loch\f37 ]\tab 
Based on this valuation, the Bank had negotiate\hich\af37\dbch\af37\loch\f37 d with Jonathan Stevens who agreed to increase his offer to FJ$191,000.00 }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295\charrsid5180113 \hich\af37\dbch\af37\loch\f37 
[Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid355295\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid355295 \hich\af37\dbch\af37\loch\f37 24}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid355295 \hich\af37\dbch\af37\loch\f37 .   
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11821771 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 28}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11821771 
\hich\af37\dbch\af37\loch\f37 ]\tab On 2 April 2009, }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 
the Plaintiff had written a letter to the Defendant informing her that the Bank intends to accept the above offer. The Defendant h\hich\af37\dbch\af37\loch\f37 
ad been granted a final 14 days to pay the total debt together with interests and other costs, which amounted to FJ$352,886.50 at that point in time }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386\charrsid5180113 \hich\af37\dbch\af37\loch\f37 
[Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid4410386\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 25}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11821771 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 29}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 
\hich\af37\dbch\af37\loch\f37 ]\tab Witness }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 Surendra Prasad testified that the Bank had received no response fr\hich\af37\dbch\af37\loch\f37 
om the Defendant. Therefore, the Bank accepted the offer and sold the property for }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 FJ$191,000.00. 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 30}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4410386 \hich\af37\dbch\af37\loch\f37 ]\tab 
Pursuant to selling of the property, if there remains a residual debt, the Bank will move to recover the debt. Accordingly, on 27 July 2009, the Plainti\hich\af37\dbch\af37\loch\f37 
ff wrote to the Defendant that pursuant to their letter dated 2 April 2009, the Bank has completed the sale and transfer of the property for FJ$191,000.00. Following the Mortgagee Sale process, the sum of FJ$177,886.87 remains as residual on the account. 
\hich\af37\dbch\af37\loch\f37 T\hich\af37\dbch\af37\loch\f37 
he Defendant was requested to make necessary arrangements as to how she intends to settle this sum within 14 days. She was informed that in the event of failure to do so, the Bank will be left with no other option but to}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid11023867 \hich\af37\dbch\af37\loch\f37  file legal action against her }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11023867\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plai\hich\af37\dbch\af37\loch\f37 ntiff\hich\f37 \rquote 
\loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid11023867\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid11023867 \hich\af37\dbch\af37\loch\f37 26}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid11023867\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11023867 .
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 [31}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid11023867 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9451244 
\hich\af37\dbch\af37\loch\f37 By letter dated 29 September 2009, the Defendant wrote to the Plaintiff informing that she could only afford to pay FJ$250.00 per month }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9451244\charrsid5180113 
\hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid9451244\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid9451244 
\hich\af37\dbch\af37\loch\f37 27}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9451244\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9451244 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10894872 
\hich\af37\dbch\af37\loch\f37  The Plaintiff responded, by letter dated 6 November 2009, stating \hich\af37\dbch\af37\loch\f37 
that it notes that the Defendant is agreeable to pay the residual debt at the rate of FJ$250.00 per month from her salary, which wil}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid2367351 \hich\af37\dbch\af37\loch\f37 l be received without prejudice}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10894872 \hich\af37\dbch\af37\loch\f37  for the time being }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10894872\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 
s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10894872\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10894872 \hich\af37\dbch\af37\loch\f37 28}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10894872\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10894872 .
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 32}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10894872 \hich\af37\dbch\af37\loch\f37 ]\tab However, the witness testified that the D
\hich\af37\dbch\af37\loch\f37 efendant had only made 3 such payments of FJ$250.00. On 19 May 2010, she had informed the Plaintiff that }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 \hich\af37\dbch\af37\loch\f37 
since she is no longer employed and since she is unable to find any permanent employment, she is not in a position to commit to making consistent repay\hich\af37\dbch\af37\loch\f37 ments until such time her circumstances improve }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \b\f37\fs24\insrsid89015 \hich\af37\dbch\af37\loch\f37 29}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 .
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 33}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 \hich\af37\dbch\af37\loch\f37 ]\tab 
The witness said that on 27 May 2010, the Defendant was informed that the Plaintiff had referred the matter to their Solicitors. The outstanding debt balance as at 30 April 201\hich\af37\dbch\af37\loch\f37 0 stood at FJ$188,450.91 }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 [Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \b\f37\fs24\insrsid89015 \hich\af37\dbch\af37\loch\f37 30}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015\charrsid5180113 \hich\af37\dbch\af37\loch\f37 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 
\hich\af37\dbch\af37\loch\f37 . The statement of accounts tendered to Court as }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid89015\charrsid89015 \hich\af37\dbch\af37\loch\f37 P31}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid2035953 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid2035953\charrsid2035953 \hich\af37\dbch\af37\loch\f37 confirms that the outstanding}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15862534 \hich\af37\dbch\af37\loch\f37 
 debt}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid2035953\charrsid2035953 \hich\af37\dbch\af37\loch\f37  balance}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15862534 \hich\af37\dbch\af37\loch\f37  as at 4 May 2010}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid2035953\charrsid2035953 \hich\af37\dbch\af37\loch\f37  stood at}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid2035953 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid2035953 
\hich\af37\dbch\af37\loch\f37 FJ$188,450.91.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 34}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid7478576 \hich\af37\dbch\af37\loch\f37 The witness testified that prior to the loan be}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15666001 \hich\af37\dbch\af37\loch\f37 ing}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7478576 
\hich\af37\dbch\af37\loch\f37  approved and \hich\af37\dbch\af37\loch\f37 given to the Defendant the Plaintiff had called for a Valuation Report. The Valuation Report dated 25 April 2006 was tendered to Court as }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid7478576\charrsid5180113 \hich\af37\dbch\af37\loch\f37 Plaintiff\hich\f37 \rquote \loch\f37 s Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid7478576\charrsid5180113 \hich\af37\dbch\af37\loch\f37 P}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \b\f37\fs24\insrsid7478576 \hich\af37\dbch\af37\loch\f37 32.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid89015 
\par }\pard \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid2367351 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15871237 \hich\af37\dbch\af37\loch\f37 [}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 35}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15871237 \hich\af37\dbch\af37\loch\f37 ]\tab That was the case for the Plaintiff.}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid15871237\charrsid15871237 \tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12479741\charrsid15871237 
\par }\pard \ltrpar\qj \li0\ri0\sa240\sl360\slmult1\widctlpar\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11237800 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid12479741 \hich\af37\dbch\af37\loch\f37 THE DEFENDANT
\hich\f37 \rquote \loch\f37 S CASE
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10250141\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4658678 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 36}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid69953 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid750502\charrsid1865016 \hich\af37\dbch\af37\loch\f37 The }{\rtlch\fcs1 \af35 
\ltrch\fcs0 \f37\fs24\insrsid750502\charrsid10173273 \hich\af37\dbch\af37\loch\f37 Defendant}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid750502 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15074240 
\hich\af37\dbch\af37\loch\f37 testified \hich\af37\dbch\af37\loch\f37 herself}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13835684 \hich\af37\dbch\af37\loch\f37  and }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4936419 
\hich\af37\dbch\af37\loch\f37 relied on the evidence of}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid750502 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13835684 \hich\af37\dbch\af37\loch\f37 one other}{\rtlch\fcs1 
\af35 \ltrch\fcs0 \f37\fs24\insrsid750502 \hich\af37\dbch\af37\loch\f37  witness}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid6503477 \hich\af37\dbch\af37\loch\f37 , namely }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13835684 
\hich\af37\dbch\af37\loch\f37 Paula Raqeukai}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid11480894 .}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid2326449 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid12191359\contextualspace {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14222090 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid7604794\contextualspace {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid4658678 \hich\af37\dbch\af37\loch\f37 [}
{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 37}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5840640 \hich\af37\dbch\af37\loch\f37 ]\tab During the course of }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid1601101 \hich\af37\dbch\af37\loch\f37 the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid13835684 \hich\af37\dbch\af37\loch\f37 Defence case}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5840640 \hich\af37\dbch\af37\loch\f37 
 the follo}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14309333 \hich\af37\dbch\af37\loch\f37 wing exhibits were tendered to C}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5840640 \hich\af37\dbch\af37\loch\f37 ourt}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid11563016 \hich\af37\dbch\af37\loch\f37  by the Defendant}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5840640 \hich\af37\dbch\af37\loch\f37 :
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4022881 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840640 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10624279 
\par }\pard\plain \ltrpar\qj \fi-1134\li1701\ri521\sa200\sl276\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1701\itap0\pararsid682583 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D1}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4597249 \hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Plaintiff Bank to the Defendant, d\hich\af37\dbch\af37\loch\f37 ated 12 February 2007}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15159964 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D2}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10638696 
\hich\af37\dbch\af37\loch\f37 Copy of Bank Statement for the period 1 January 2006-30 June 2006}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15942527 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D3}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10638696 
\hich\af37\dbch\af37\loch\f37 Copy of letter sent by the Defendant to the Plaintiff Bank, dated 28 September 2006}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15942527 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D4}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10638696 
\hich\af37\dbch\af37\loch\f37 Copy of Email correspondence}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15942527 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D5}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10638696 
\hich\af37\dbch\af37\loch\f37 Copy of Email correspondence}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9790294 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 \hich\af37\dbch\af37\loch\f37 D\hich\af37\dbch\af37\loch\f37 6}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid619290 \hich\af37\dbch\af37\loch\f37 Copy of Email correspondence}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid15942527 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 

\par }\pard \ltrpar\qj \fi-1134\li1701\ri521\sa200\sl276\slmult1\widctlpar\tx1134\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1701\itap0\pararsid2315610 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b\f37\fs24\insrsid10624279\charrsid2428712 
\hich\af37\dbch\af37\loch\f37 D7}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid10624279\charrsid2428712 \tab -\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid619290 \hich\af37\dbch\af37\loch\f37 
Copy of Valuation Report, dated 1 May 2009, by Pacific Property Consultants.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid2315610\charrsid2428712 
\par }\pard\plain \ltrpar\s16\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid9588674 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 [38}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15871237\charrsid15871237 
\hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 The Defendant testified that she was employed as a Lecturer in Town Planning at the University of the South Pacific}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7602662 \hich\af37\dbch\af37\loch\f37  (USP)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 . In 2006, she\hich\af37\dbch\af37\loch\f37 
 was working at the Suva City Council as City Planner (Town Planner). 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 39}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 ]\tab 
She admitted that she took a loan from the Plaintiff Bank to purchase a property for investment purposes (Certificate of Title No. CT9664). She also admitted that she executed the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14053351 
\hich\af37\dbch\af37\loch\f37  \hich\af37\dbch\af37\loch\f37 Loan A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 greement and the mortgage over the said property. Further the Defendant }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8863782 \hich\af37\dbch\af37\loch\f37 admitted}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37  that she had defaulted to pay the loan and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8863782 \hich\af37\dbch\af37\loch\f37 explained the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37  reasons that gave rise to the said default in payment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8863782 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9588674 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 40}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9588674 
\hich\af37\dbch\af37\loch\f37 ]\tab She tendered to Court as Defence Exhibit }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid9588674\charrsid9588674 \hich\af37\dbch\af37\loch\f37 D1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9588674 
\hich\af37\dbch\af37\loch\f37 , a lette\hich\af37\dbch\af37\loch\f37 r sent by the Plaintiff, dated 12 February 2007, whereby she was informed that the interest on investment loans had been increased to 13% per annum. 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid548180 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 41}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid548180 
\hich\af37\dbch\af37\loch\f37 ]\tab The Defendant also tendered in evidence a co}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid548180 \hich\af37\dbch\af37\loch\f37 py of the Bank Statement for the period 1 January 2006}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid548180 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid548180 
\hich\af37\dbch\af37\loch\f37 30 June 2006 [Defence Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid548180\charrsid548180 \hich\af37\dbch\af37\loch\f37 D2}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid548180 \hich\af37\dbch\af37\loch\f37 ].
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 42}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37 ]
\tab As per Loan Agreement P1, the first installment payment was due to be paid to the Plaintiff in September 2006. However, by letter dated 28 September 2006, the Defendant requested that this payment be deferred to Octo\hich\af37\dbch\af37\loch\f37 
ber 2006. This was due to the fact that they were settling into the property with costs incurred for establishing a new home [Defence Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid15740095\charrsid548180 \hich\af37\dbch\af37\loch\f37 D}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37 3}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37 ].
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 43}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\fs24\insrsid5665328 \hich\af37\dbch\af37\loch\f37 The Defendant testified that she was unable to secure any tenants to rent out the property}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7602662 \hich\af37\dbch\af37\loch\f37  at that point
\hich\af37\dbch\af37\loch\f37  in time}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5665328 \hich\af37\dbch\af37\loch\f37 
. She said that she had notified the Bank in this regard. The email correspondence between the Defendant and the Bank were tendered to Court as Defence Exhibit}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15942326 \hich\af37\dbch\af37\loch\f37 s}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5665328 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5665328\charrsid5665328 \hich\af37\dbch\af37\loch\f37 D4}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5665328 
\hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5665328\charrsid5665328 -}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5665328 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\b\fs24\insrsid5665328\charrsid5665328 \hich\af37\dbch\af37\loch\f37 D6}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5665328 \hich\af37\dbch\af37\loch\f37 ].}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid15740095 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7602662 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 44}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7602662 \hich\af37\dbch\af37\loch\f37 ]
\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid7602662 \hich\af37\dbch\af37\loch\f37 Paula Raqeukai testified on behalf of the Defendant. He was a Lecturer i\hich\af37\dbch\af37\loch\f37 
n Property and Land Management at the USP.  He was a Land Economist and Property Valuer. He had over 25 years\hich\f37 \rquote \loch\f37  experience as a Valuer. 
\par }\pard \ltrpar\s16\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid14053351 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid13846504 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 45}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid13846504 \hich\af37\dbch\af37\loch\f37 ]\tab He testified regarding the property market in Fiji between the periods 200}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\insrsid15942326 \hich\af37\dbch\af37\loch\f37 7 to 2010. He said that in 2006}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid13846504 \hich\af37\dbch\af37\loch\f37  the prope\hich\af37\dbch\af37\loch\f37 
rty market was booming. However, in the aftermath of the coup in December 2006, the market became stagnant. }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid13846504 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13846504 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 46}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13846504 
\hich\af37\dbch\af37\loch\f37 ]\tab He tendered to Court a Val}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5138952 \hich\af37\dbch\af37\loch\f37 uation Report dated 1 May 2009}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9318670 
\hich\af37\dbch\af37\loch\f37 , which was conducted by Pacific Property Consultants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5138952 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid5138952 \hich\af37\dbch\af37\loch\f37 
[Defence Exhibit }{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5138952\charrsid548180 \hich\af37\dbch\af37\loch\f37 D}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b\fs24\insrsid5138952 \hich\af37\dbch\af37\loch\f37 7}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\fs24\insrsid5138952 \hich\af37\dbch\af37\loch\f37 ].}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9318670 \hich\af37\dbch\af37\loch\f37  He had con\hich\af37\dbch\af37\loch\f37 ducted this valuation on the instruction of the Defendant. 
\par \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 47}{\rtlch\fcs1 \af37 \ltrch\fcs0 \fs24\insrsid9318670 \hich\af37\dbch\af37\loch\f37 ]\tab 
In cross examination, the witness said that he was the sole proprietor of the said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9318670 \hich\af37\dbch\af37\loch\f37 
Pacific Property Consultants. He further stated that he had received instructions from the Defendant to cond\hich\af37\dbch\af37\loch\f37 
uct the valuation on 28 April 2009. However, later in evidence, he said that the instructions were not given in 2009 but after this case was filed in Court in 2010. He admitted that sometimes reports can be backdated.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5138952 
\par }\pard \ltrpar\s16\ql \fi-567\li567\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid14053351 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 48}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12191359 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15871237\charrsid15871237 
\hich\af37\dbch\af37\loch\f37 That was the Defendant\hich\f37 \rquote \loch\f37 s case.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6493757\charrsid15871237 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15871237 
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid14053351\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5067860 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 49}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid8978861 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid8017361 \hich\af37\dbch\af37\loch\f37 
At the conclusion of the hearing both Counsel for the Plaintiff and Counsel for the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid8017361\charrsid10173273 \hich\af37\dbch\af37\loch\f37 Defendant}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid12592281\charrsid12592281 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid8017361 \hich\af37\dbch\af37\loch\f37 were granted time to file}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid12592281\charrsid12592281 \hich\af37\dbch\af37\loch\f37  written submissio}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid5647393 \hich\af37\dbch\af37\loch\f37 ns}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14056409 
\hich\af37\dbch\af37\loch\f37 . Accordingly, the parties filed detailed written submissions, }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16538446 \hich\af37\dbch\af37\loch\f37 which }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid12592281\charrsid12592281 \hich\af37\dbch\af37\loch\f37 I have had the benefit of }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12592281 \hich\af37\dbch\af37\loch\f37 perusing.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid12592281\charrsid12592281 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12592281 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6516898 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6493757 
\par }\pard\plain \ltrpar\qj \li0\ri0\sa240\sl360\slmult1\widctlpar\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6493757 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid6570571 \hich\af37\dbch\af37\loch\f37 ANALYS\hich\af37\dbch\af37\loch\f37 IS AND }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \b\f37\fs24\ul\insrsid12148563 \hich\af37\dbch\af37\loch\f37 DETERMINATION}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid16604308 
\par }\pard \ltrpar\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\tx1418\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6493757 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 50}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12200866 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13467021 \hich\af37\dbch\af37\loch\f37 From}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12802581 \hich\af37\dbch\af37\loch\f37  the facts of this case the primary}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13467021 
\hich\af37\dbch\af37\loch\f37  issues for determination }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid3227120 \hich\af37\dbch\af37\loch\f37 by this Court }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351 
\hich\af37\dbch\af37\loch\f37 are}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13467021 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351 \hich\af37\dbch\af37\loch\f37 the following}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13467021 \hich\af37\dbch\af37\loch\f37 :
\par }\pard \ltrpar\qj \fi-1134\li1134\ri521\sa200\sl360\slmult1\widctlpar\tx567\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin1134\itap0\pararsid14053351 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351 \tab 
\hich\af37\dbch\af37\loch\f37 1.\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
Whether the Defendant owes the sum of $188,450.91 to the Plaintiff being the debt balance outstanding as at 27 May 2010.
\par \tab \hich\af37\dbch\af37\loch\f37 2.\tab Whe\hich\af37\dbch\af37\loch\f37 ther the Plaintiff had failed to exercise its powers as mortgagee properly in all the circumstances.
\par \tab \hich\af37\dbch\af37\loch\f37 3.\tab Whether the sale price was below the recommended forced market price at that time.
\par \tab \hich\af37\dbch\af37\loch\f37 4.\tab Whether the forced mortgage sale price can be used to set off th\hich\af37\dbch\af37\loch\f37 e alleged debt.
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7893714 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12802581 
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6493757\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 51}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12802581 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9130372 \hich\af37\dbch\af37\loch\f37 The onus is on the Plaintiff}{\rtlch\fcs1 
\af35 \ltrch\fcs0 \f37\fs24\insrsid4681842 \hich\af37\dbch\af37\loch\f37 , to prove on a ba}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12458354 \hich\af37\dbch\af37\loch\f37 l}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid10096060 
\hich\af37\dbch\af37\loch\f37 ance of probabilities that }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14053351 \hich\af37\dbch\af37\loch\f37 the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\lang1033\langfe1033\langnp1033\insrsid10096060\charrsid14429480 \hich\af37\dbch\af37\loch\f37 Defendant }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid14053351 \hich\af37\dbch\af37\loch\f37 owed the }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351\charrsid8192079 \hich\af37\dbch\af37\loch\f37 sum of $188,450.91 to the Plaintiff being the debt balance outstanding as at 27 May 2010}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\lang1033\langfe1033\langnp1033\insrsid10096060 .}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid10096060 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid14498647 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid875345\contextualspace {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid6516898 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6493757\contextualspace {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 
[52}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12479741 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid11025057 \hich\af37\dbch\af37\loch\f37 The Defendant }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid14053351 \hich\af37\dbch\af37\loch\f37 contends that the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351\charrsid8192079 \hich\af37\dbch\af37\loch\f37 Plaintif\hich\af37\dbch\af37\loch\f37 f had failed to }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351 \hich\af37\dbch\af37\loch\f37 duly }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid14053351\charrsid8192079 \hich\af37\dbch\af37\loch\f37 exercise its powers as mortgagee in all the circumstances}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37  and also that the}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37  sale price}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37  of the property}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37  was below the recommended forced market price at that time}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 .}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12479741 
\par }\pard\plain \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid7893714 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\hich\af37\dbch\af37\loch\f37 53}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid6493757 \hich\af37\dbch\af37\loch\f37 ]\tab It is agreed }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 between the parties that }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 pursuant to Loan A}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 greement}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid9581774 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37  d\hich\af37\dbch\af37\loch\f37 ated 2 May 2006}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid9581774 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
 and variation of loan terms and conditions letter, dated 14 June 2006, entered between the Plaintiff and Defendant, the Plaintiff made certain loan facilities to the Defendant and as security for which the Defendant granted 1}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\super\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 st}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37  Mortgage ov\hich\af37\dbch\af37\loch\f37 er CT 9664.

\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 54}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 
\hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 It is }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 also }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 
agreed that the Defendant defaulted in repaying the loan. Therefore, on or about 26 April 2007, the Plaintiff issued and served Demand Notice on the Defendant demanding full payment.
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 55}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 
\hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 It is }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774 \hich\af37\dbch\af37\loch\f37 further }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9581774\charrsid8192079 \hich\af37\dbch\af37\loch\f37 agreed that the Plaintiff \hich\af37\dbch\af37\loch\f37 
exercised its rights under the securities and sold the mortgaged property with sale proceeds credited to the Defendant\hich\f37 \rquote \loch\f37 s account.
\par }\pard\plain \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid9581774\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid9581774 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\lang1033\langfe1033\langnp1033\insrsid7893714 \hich\af37\dbch\af37\loch\f37 56}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\lang1033\langfe1033\langnp1033\insrsid9581774 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 \hich\af37\dbch\af37\loch\f37 The }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 \hich\af37\dbch\af37\loch\f37 Loan Agreement}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid7875665\charrsid7943453 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 \hich\af37\dbch\af37\loch\f37  dated 2 May 2006 (P1), stipulated the terms and conditions under which the home loan of FJ$ 240,000.0
\hich\af37\dbch\af37\loch\f37 0 was being granted to the Defendant. The contract provided that the Defendant provides security in the form stated therein. Accordingly, }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665 \hich\af37\dbch\af37\loch\f37 
t}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7875665 \hich\af37\dbch\af37\loch\f37 he property at 13 Gomati Street, Tamavua, Suva (Certificate of Title No. CT 9664) was mortgaged to the Bank}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid7875665 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7875665 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid7893714\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid9581774\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665 \hich\af37\dbch\af37\loch\f37 [}
{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 57}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665 \hich\af37\dbch\af37\loch\f37 ]\tab T\hich\af37\dbch\af37\loch\f37 he Mortgage Agreement (P5) provided that i}
{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 \hich\af37\dbch\af37\loch\f37 
n the event of a default the Plaintiff was entitled to exercise its rights in terms of Clause 6 of that agreement, which included the mortgage sale of the property.
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid7893714\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714\charrsid7943453 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid9581774\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 
\hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714\charrsid7943453 \hich\af37\dbch\af37\loch\f37 58}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665\charrsid7943453 \hich\af37\dbch\af37\loch\f37 ]\tab }{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15695544\charrsid7943453 \hich\af37\dbch\af37\loch\f37 Since }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15695544\charrsid15695544 \hich\af37\dbch\af37\loch\f37 the Defendant had defaulted payment o
\hich\af37\dbch\af37\loch\f37 f the loan, a Notice of Demand was }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12351221 \hich\af37\dbch\af37\loch\f37 sent to her dated 26 April 2007 }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid15695544\charrsid7943453 \hich\af37\dbch\af37\loch\f37 (P3). The mortgage sale of the property took place on or about April 2009. This was nearly two years later. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544 
\hich\af37\dbch\af37\loch\f37 Surendra Prasad, the Bank Officer testified as to all measures the Plaintiff had \hich\af37\dbch\af37\loch\f37 
taken during this period to obtain the best available price for the sale of the property. However, the property market in Fiji was stagnant at the time. This was even confirmed by the witness called for by the Defendant, }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37 Paula Raqeukai.}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid1514373 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid7893714\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 
\par }\pard \ltrpar\s15\qj \fi-567\li567\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid15695544\contextualspace {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37 
[}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7893714 \hich\af37\dbch\af37\loch\f37 59}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37 ]\tab In the circum\hich\af37\dbch\af37\loch\f37 
stances, this Court cannot agree with the contention of the}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37  Defendant that the }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 Plaintiff had failed to }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37 duly }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 exercise its powers as mortgagee in all the circumstances}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37  and also that the}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid15695544\charrsid8192079 \hich\af37\dbch\af37\loch\f37  sale price}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544 \hich\af37\dbch\af37\loch\f37  of the property}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid15695544\charrsid8192079 \hich\af37\dbch\af37\loch\f37  was below the recommended forced market price\hich\af37\dbch\af37\loch\f37  at that time}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15695544 .}{\rtlch\fcs1 \af35 
\ltrch\fcs0 \f37\fs24\insrsid15695544 
\par }\pard\plain \ltrpar\s2\ql \fi-567\li567\ri-46\sb100\sa100\sbauto1\saauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin-46\lin567\itap0\pararsid7893714 \rtlch\fcs1 \ab\af0\afs36\alang1025 \ltrch\fcs0 
\b\fs36\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\f37\fs24\insrsid5077166\charrsid7893714 [}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\f37\fs24\insrsid7893714 60}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b0\f37\fs24\insrsid5077166\charrsid7893714 ]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f37\fs24\insrsid5077166 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\f37\fs24\insrsid5077166\charrsid5077166 In}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f37\fs24\insrsid5077166  }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \i\f37\fs24\insrsid5077166\charrsid7943453 NBF Asset Management Bank v Ulaiyasi Radike}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b0\f37\fs24\insrsid5077166\charrsid7943453 
 [2004] FJHC 531; HBC039J.2001S (11 March 2004); His Lordship Justice Jitoko held: }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b0\f37\fs24\lang1033\langfe2057\langnp1033\insrsid5077166\charrsid7943453 
\par }\pard\plain \ltrpar\s21\qj \li851\ri521\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\cf1\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\insrsid5077166\charrsid7943453 \'93\'85}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
The right to sell the mortgaged property, after the default by the mortgagor is in the first instance, derived from statutes. Under section 79 of the }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  HYPERLINK "http://www.paclii.org/fj/legis/consol_act/pla179/" }}{\fldrslt {\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Property Law Act}}}\sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sectrsid12855236\sftnbj {\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
 the mortgagee is permitted to sell the property if default payment of the mortgage money continues after one (1) month of the 
service of the notice that is required to be given under section 77 of the same. Secondly, the powers to sell may be conferred upon the mortgagee by the terms of the mortgage instrument. Finally, the sale can be with the concurrence of the mortgagor.\'94

\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\insrsid5077166\charrsid7943453 \'85\'85\'85}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\insrsid5077166\charrsid7943453 \'93}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
In a mortgagee sale, the power to sell is given to the mortgagee to exercise first and foremost, for his own benefit to enable him to realise his debt (see: }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Warner}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  v. }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Jacob}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  (1882) 20 Ch D220 at 234; }{\rtlch\fcs1 
\af37 \ltrch\fcs0 \i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Farrar}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  v. }{\rtlch\fcs1 \af37 
\ltrch\fcs0 \i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Farrar Ltd.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
 (1888) 40 Ch D395 at 398). All that is required of the mortgagee is a duty to act bona fide in the conduct of the sale. As Lindley L.J. said in }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Farrar\rquote s}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
 case at p.411, that if in the exercise of his power the mortgage }{\rtlch\fcs1 \ab\ai\af37 \ltrch\fcs0 \b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
"acts bona fide and takes reasonable precautions to obtain a proper price"}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
 the mortgagor has no redress even though more might have been obtained if the sale had been postponed. In }{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 Cuckmere Brick Co.}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  v. }{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\ul\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453 
Mutual Finance Ltd.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid5077166\charrsid7943453  [1971] Ch 949, Salmon L.J. added, at p.966:
\par }\pard\plain \ltrpar\qj \li851\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 
"It is impossible to pretend that the state of the authoritie
s on this branch of the law is entirely satisfactory. There are some dicta which suggest that unless a mortgagee acts in bad faith he is safe. His only obligation to the mortgagor is not to cheat him. There are other dicta which suggest that in addition t
o the duty of acting in good faith, the mortgagee is under a duty to take reasonable care to obtain whatever is the true market value of the mortgaged property at the moment he chooses to sell it ......}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 
\par }\pard \ltrpar\qj \li851\ri521\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714 {\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 
\b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 The proposition that the mortgagee owes both duties, in my judgment, represents the true view of the law."}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 
\par }\pard \ltrpar\qj \li851\ri521\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 
Similar sentiments were expressed in }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 Tse Kwang Cam}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  v. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 Wong Chit Sen}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  [1983] 3 All ER 54 (Privy Council), }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 Parker Tweedle}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  v. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 Dumbar Bank}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 
 HYPERLINK "http://www.paclii.org/cgi-bin/LawCite?cit=%5b1990%5d%203%20WLR%20778" \\o "View LawCite Record" }}{\fldrslt {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\cf1\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 [1990] 3 WLR 778}}}
\sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sectrsid12855236\sftnbj {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 ; and }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 China and South Sea Bank}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  v. }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\ul\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453 Tan Sam Gin}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid5077166\charrsid7943453  \{1990\}
 1 AC 536.
\par }\pard\plain \ltrpar\s15\qj \li851\ri521\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\fs24\insrsid15695544\charrsid7943453 
\par }\pard\plain \ltrpar\qj \li851\ri521\sa200\widctlpar\tx5376\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid7893714 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 
In my view the duty of the mortgagee to act bona fide includes good faith and reasonable care. While he is entitled to sell the mortgag\hich\af37\dbch\af37\loch\f37 
ed property at any time, he must ensure that he is at the same time paying due regards to the interests of the mortgagor. For example, in }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\ul\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 
Standard Chartered Bank Ltd.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37  v. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\ul\insrsid9313792\charrsid7943453 
\hich\af37\dbch\af37\loch\f37 Walker}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37  \{1982\} 3 All ER 938, the Court held that there must be sufficient time allowed 
\hich\af37\dbch\af37\loch\f37 
to permit proper advertisement to be made so that the best price obtainable can be obtained. It may also be necessary for the mortgagee to delay the sale if there are clear signs that the property market was improving rapidly and substantially as the Cour
\hich\af37\dbch\af37\loch\f37 t\hich\af37\dbch\af37\loch\f37  held in }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\ul\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 Dimmick}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37  v. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\ul\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 Pearce Investments Pty Ltd.}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \i\f37\fs24\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37  }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\cf1\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 
 HYPERLINK "http://www.paclii.org/cgi-bin/LawCite?cit=1800%2043%20FLR%20235?stem=&synonyms=&query=NBF%20asset%20management%20bank" \\o "View LawCiteRecord" }}{\fldrslt {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\cs27\i\f37\fs24\ul\cf1\insrsid9313792\charrsid7943453 \hich\af37\dbch\af37\loch\f37 (1980 43 FLR 235).}}}\sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sectrsid12855236\sftnbj {\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \i\f37\fs24\cf1\insrsid9313792\charrsid7943453 \loch\af37\dbch\af37\hich\f37 \'94}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\cf1\insrsid9581774\charrsid7943453 
\par }\pard\plain \ltrpar\s2\ql \fi-567\li567\ri0\sb100\sa100\sbauto1\saauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin567\itap0\pararsid9313792 \rtlch\fcs1 \ab\af0\afs36\alang1025 \ltrch\fcs0 
\b\fs36\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af37 \ltrch\fcs0 \b0\f37\fs24\insrsid7875665\charrsid16194444 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \b0\f37\fs24\insrsid16194444 61}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\b0\f37\fs24\insrsid7875665\charrsid16194444 ]}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7875665 \tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\fs24\insrsid7875665\charrsid9313792  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\insrsid9313792\charrsid7943453 Tubunavere v Colonial National Bank}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b0\f37\fs24\insrsid9313792\charrsid7943453 
 [2007] FJHC 129; Civil Action No. 486.2000 (2 March 2007); His Lordship Justice Devendra Pathik stated:
\par }\pard\plain \ltrpar\s21\qj \li851\ri521\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid16194444 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\cf1\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 \'93
It is clear law that a mortgagee is not a trustee for the mortgagor in the exercise of its power of sale (}{\rtlch\fcs1 \ab\ai\af37 \ltrch\fcs0 \b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 
Cuckmere Brick Co. Ltd & Anor. v Mutual Finance Ltd}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453  [1971] Ch. 949 CA, }{\rtlch\fcs1 \ab\ai\af37 \ltrch\fcs0 
\b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 Warner v Jacob}{\rtlch\fcs1 \af37 \ltrch\fcs0 \i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 
 20 Ch. D 220 at 224); applied in our Courts in }{\rtlch\fcs1 \ab\ai\af37 \ltrch\fcs0 \b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 NBF Asset Management Bank v George Niumataiwalu}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453  Action No. HBC0437/98 and }{\rtlch\fcs1 \ab\ai\af37 \ltrch\fcs0 \b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 
Laisenia Uluinayau & Anor v National Bank of Fiji}{\rtlch\fcs1 \ab\af37 \ltrch\fcs0 \b\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453 ,}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\i\f37\cf0\lang1033\langfe1033\langnp1033\langfenp1033\insrsid9313792\charrsid7943453  Action No. HBC 0175 of 1994).
\par }\pard\plain \ltrpar\qj \li851\ri521\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin521\lin851\itap0\pararsid16194444 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 In }{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 
\b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 Cuckmere}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453  (supra) }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 
\b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 Lord Salmon L.J }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 at 965 said:
\par }{\rtlch\fcs1 \ai\af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 
"It is well settled that a mortgagee is not a trustee of the power of sale for the mortgagor. Once the power has accrued, the mortgagee is entitled to exercise it for his own purposes whenever he chooses to do so."}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 
\par The following passage from the judgment of }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 Sir George Jessel}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453  MR in }{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 Nash v Eads}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453  (1880) 25 Sol Jo 95 (which was quoted as authority by }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 Russell J
}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453  in }{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 
Belton v Bass, Ratcliffe and Gretton Ltd}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453  [1992] 2 Ch 449 at 465) is pertinent:-
\par }{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \b\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 "The mortgagee was not 
a trustee of the power of sale for the mortgagor, and if he was entitled to exercise the power, the court would not look into his motives for so doing. If he had a right to sell on 1 June, and he then said, "The mortgagor is a member of an old country fam
i
ly, and I don't wish to turn him out of his property and will not sell it at present", and then on 1 July he said, "I have had a quarrel with the mortgagor and he has insulted me; I will show him no mercy, but will sell at once" - if all this was proved, 
t
he court could not restrain the mortgagee from exercising his power of sale, except on the terms of payment of the mortgage debt. The court could not look at the mortgagee's motives for exercising his power... He, like a pledgee, must conduct the sale pro
perty, and must sell at a fair value, and he could not sell to himself. But he was not bound to abstain from selling because he was not in urgent need of money, or because he had a spite against the mortgagor."}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\i\f37\fs24\lang1033\langfe1033\langnp1033\insrsid9313792\charrsid7943453 
\par }\pard \ltrpar\qj \fi-567\li567\ri-46\sa200\sl360\slmult1\widctlpar\tx5376\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-46\lin567\itap0\pararsid12724883 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9313792 \hich\af37\dbch\af37\loch\f37 [}{
\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16194444 \hich\af37\dbch\af37\loch\f37 62}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9313792 \hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13655180 
\hich\af37\dbch\af37\loch\f37 As such, c}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9313792 \hich\af37\dbch\af37\loch\f37 onsidering all the facts and ci\hich\af37\dbch\af37\loch\f37 
rcumstances of this case, including the documents tendered by both parties, I am of the opinion that the Plaintiff }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 
has succeeded in proving on a balance of probabilities that }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37 Defendant owes the sum of $188,450.91 to the Plaintiff}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f37\fs24\insrsid13655180 ,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37  being the debt balance ou\hich\af37\dbch\af37\loch\f37 tstanding}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37  on the Loan Agreement,}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37  as at 27 May 2010}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid9581774 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12273178 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16194444 \hich\af37\dbch\af37\loch\f37 63}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12273178 
\hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12724883 \hich\af37\dbch\af37\loch\f37 Accordingly, I }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5311120 \hich\af37\dbch\af37\loch\f37 enter}{\rtlch\fcs1 \af37 
\ltrch\fcs0 \f37\fs24\insrsid12724883 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15677095 \hich\af37\dbch\af37\loch\f37 J}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12724883 \hich\af37\dbch\af37\loch\f37 udgment }
{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid12724883\charrsid14429480 \hich\af37\dbch\af37\loch\f37 in}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid7891400 \hich\af37\dbch\af37\loch\f37  favour of the Plaintiff in}{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid12724883\charrsid14429480 \hich\af37\dbch\af37\loch\f37  the sum of }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9658566\charrsid8192079 \hich\af37\dbch\af37\loch\f37 $188,450.91 }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37 (ONE HUNDRED }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37 EIGHTY EIGHT THOUSAND FOUR HUNDRED }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37 AND }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid13655180\charrsid8192079 \hich\af37\dbch\af37\loch\f37 FIFTY DOLLARS AND NINETY ONE CENTS)}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid13655180 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid15677095 \hich\af37\dbch\af37\loch\f37 against the Defendant.}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid4613601 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\sub\insrsid12724883\charrsid15032982 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15401377 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid16194444 \hich\af37\dbch\af37\loch\f37 64}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15401377 
\hich\af37\dbch\af37\loch\f37 ]\tab }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15532806 \hich\af37\dbch\af37\loch\f37 I do not deem it appropriate to make any order in terms of the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15532806 
\hich\af37\dbch\af37\loch\f37 Law Reform (Miscellaneous Provisions) (Death and Interest) Act No. 7 of 1935 (Chapter 27)}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 ,}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15532806 
\hich\af37\dbch\af37\loch\f37  for interest to be paid on the above sum }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid658114 \hich\af37\dbch\af37\loch\f37 for any part of the period between}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15532806 
\hich\af37\dbch\af37\loch\f37  the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 \hich\af37\dbch\af37\loch\f37 date the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12657663 \hich\af37\dbch\af37\loch\f37 Plaintif
\hich\af37\dbch\af37\loch\f37 f filed this action}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 \hich\af37\dbch\af37\loch\f37  until the date of this judgment.}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid15401377 
\par }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 \hich\af37\dbch\af37\loch\f37 [}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid16194444 \hich\af37\dbch\af37\loch\f37 6}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5705223 
\hich\af37\dbch\af37\loch\f37 5}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 \hich\af37\dbch\af37\loch\f37 ]\tab However, in terms of the Law Reform (Miscellaneous Provisions) (Death and Interest) (Amendment) Act No 46 of 2011, I order}{
\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12657663 \hich\af37\dbch\af37\loch\f37  post judgment}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 \hich\af37\dbch\af37\loch\f37  interest at 4% per annum on the judgment sum }{\rtlch\fcs1 \af35 
\ltrch\fcs0 \f37\fs24\insrsid9658566 \hich\af37\dbch\af37\loch\f37 (}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9658566\charrsid8192079 \hich\af37\dbch\af37\loch\f37 $188,450.91}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 
\hich\af37\dbch\af37\loch\f37 ) fr\hich\af37\dbch\af37\loch\f37 om the date of this judgment until the }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12657663 \hich\af37\dbch\af37\loch\f37 date of settlement}{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid5338479 .
\par }\pard \ltrpar\qj \li0\ri0\sa240\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6493757 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid9245641 \hich\af37\dbch\af37\loch\f37 FINAL }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid882786\charrsid10119466 \hich\af37\dbch\af37\loch\f37 ORDERS}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f37\fs24\ul\insrsid3153007\charrsid10119466 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af37 \ltrch\fcs0 \f37\lang2057\langfe1033\langnp2057\langfenp1033\insrsid15677095 \hich\af37\dbch\af37\loch\f37 a.\tab}}\pard\plain \ltrpar\s15\qj \fi-567\li1134\ri0\sa240\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls14\ilvl1\adjustright\rin0\lin1134\itap0\pararsid2295877\contextualspace \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid15677095 \hich\af37\dbch\af37\loch\f37 Accordingly, I order the Defendant to pay the Plaintiff the sum of }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9658566\charrsid8192079 
\hich\af37\dbch\af37\loch\f37 $188,450.91}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid5245913 .}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f37\fs24\insrsid15663494 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af35\afs20 \ltrch\fcs0 \f37\lang2057\langfe1033\langnp2057\langfenp1033\insrsid5338479 \hich\af37\dbch\af37\loch\f37 b.\tab}}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 
\hich\af37\dbch\af37\loch\f37 I also order that the Defendant pay i}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479\charrsid5338479 \hich\af37\dbch\af37\loch\f37 nterest at 4% per annum on the judgment sum }{\rtlch\fcs1 \af35 \ltrch\fcs0 
\f37\fs24\insrsid9658566 \hich\af37\dbch\af37\loch\f37 (}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid9658566\charrsid8192079 \hich\af37\dbch\af37\loch\f37 $188,450.91}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9658566 
\hich\af37\dbch\af37\loch\f37 ) }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479\charrsid5338479 \hich\af37\dbch\af37\loch\f37 from the \hich\af37\dbch\af37\loch\f37 date of }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479 
\hich\af37\dbch\af37\loch\f37 this }{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479\charrsid5338479 \hich\af37\dbch\af37\loch\f37 judgme}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid12657663 \hich\af37\dbch\af37\loch\f37 
nt until the date of settlement}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid5338479\charrsid5338479 .}{\rtlch\fcs1 \af35 \ltrch\fcs0 \f37\fs24\insrsid9658566 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f37\fs24\insrsid5338479\charrsid5338479 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af37 \ltrch\fcs0 \f37\lang2057\langfe1033\langnp2057\langfenp1033\insrsid11797604\charrsid5338479 \hich\af37\dbch\af37\loch\f37 c.\tab}}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid11797604\charrsid5338479 \hich\af37\dbch\af37\loch\f37 I make no }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16014612\charrsid5338479 \hich\af37\dbch\af37\loch\f37 further }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid11797604\charrsid5338479 \hich\af37\dbch\af37\loch\f37 order with regard to costs.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid16014612\charrsid5338479 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\insrsid9658566 \hich\af37\dbch\af37\loch\f37  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid11797604\charrsid5338479 
\par }\pard \ltrpar\s15\qj \li720\ri0\sa240\sl360\slmult1\widctlpar\tx1701\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6493757\contextualspace {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid4272422 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid2295877 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\insrsid12670931 
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10250141 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid10250141 \hich\af37\dbch\af37\loch\f37 Riyaz Hamza
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid6832982\charrsid10250141 \hich\af37\dbch\af37\loch\f37 JUDGE
\par \hich\af37\dbch\af37\loch\f37 HIGH COURT OF FIJI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid10250141 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\nowidctlpar\tx-720\wrapdefault\hyphpar0\faauto\rin0\lin0\itap0\pararsid6832982 \rtlch\fcs1 \af35\afs20\alang1025 \ltrch\fcs0 
\fs20\lang2057\langfe1033\loch\af39\hich\af39\dbch\af37\cgrid\langnp2057\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\ul\expnd0\expndtw-3\insrsid9449304 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\ul\expnd0\expndtw-3\insrsid12670931 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\ul\expnd0\expndtw-3\insrsid6832982\charrsid8523145 AT SUVA
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\expnd0\expndtw-3\insrsid5449842 Dated this 21}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\expnd0\expndtw-3\super\insrsid5449842\charrsid5449842 st}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f37\fs24\expnd0\expndtw-3\insrsid5449842  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\expnd0\expndtw-3\insrsid14643408 Day of March 2019}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f37\fs24\expnd0\expndtw-3\insrsid6832982\charrsid8523145 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8523145 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid8523145 \hich\af37\dbch\af37\loch\f37 Solicitors for the Plaintiff\tab : \tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid1573505 \hich\af37\dbch\af37\loch\f37 Nands}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid1659825 \hich\af37\dbch\af37\loch\f37  Law}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid8523145 
\hich\af37\dbch\af37\loch\f37 , Barristers & Solicitors, Suv\hich\af37\dbch\af37\loch\f37 a.
\par \hich\af37\dbch\af37\loch\f37 Solicitors for the Defendant\tab : \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid1659825 \hich\af37\dbch\af37\loch\f37 HM Lawyers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid8523145 
\hich\af37\dbch\af37\loch\f37 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid9971054\charrsid8523145 \hich\af37\dbch\af37\loch\f37 Barristers & Solicitors, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6832982\charrsid8523145 
\hich\af37\dbch\af37\loch\f37 Suva. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid6061964\charrsid8523145 
\par }{\*\themedata 504b030414000600080000002100e9de0fbfff0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb4ec3301045f748fc83e52d4a
9cb2400825e982c78ec7a27cc0c8992416c9d8b2a755fbf74cd25442a820166c2cd933f79e3be372bd1f07b5c3989ca74aaff2422b24eb1b475da5df374fd9ad
5689811a183c61a50f98f4babebc2837878049899a52a57be670674cb23d8e90721f90a4d2fa3802cb35762680fd800ecd7551dc18eb899138e3c943d7e503b6
b01d583deee5f99824e290b4ba3f364eac4a430883b3c092d4eca8f946c916422ecab927f52ea42b89a1cd59c254f919b0e85e6535d135a8de20f20b8c12c3b0
0c895fcf6720192de6bf3b9e89ecdbd6596cbcdd8eb28e7c365ecc4ec1ff1460f53fe813d3cc7f5b7f020000ffff0300504b030414000600080000002100a5d6
a7e7c0000000360100000b0000005f72656c732f2e72656c73848fcf6ac3300c87ef85bd83d17d51d2c31825762fa590432fa37d00e1287f68221bdb1bebdb4f
c7060abb0884a4eff7a93dfeae8bf9e194e720169aaa06c3e2433fcb68e1763dbf7f82c985a4a725085b787086a37bdbb55fbc50d1a33ccd311ba548b6309512
0f88d94fbc52ae4264d1c910d24a45db3462247fa791715fd71f989e19e0364cd3f51652d73760ae8fa8c9ffb3c330cc9e4fc17faf2ce545046e37944c69e462
a1a82fe353bd90a865aad41ed0b5b8f9d6fd010000ffff0300504b0304140006000800000021006b799616830000008a0000001c0000007468656d652f746865
6d652f7468656d654d616e616765722e786d6c0ccc4d0ac3201040e17da17790d93763bb284562b2cbaebbf600439c1a41c7a0d29fdbd7e5e38337cedf14d59b
4b0d592c9c070d8a65cd2e88b7f07c2ca71ba8da481cc52c6ce1c715e6e97818c9b48d13df49c873517d23d59085adb5dd20d6b52bd521ef2cdd5eb9246a3d8b
4757e8d3f729e245eb2b260a0238fd010000ffff0300504b03041400060008000000210030dd4329a8060000a41b0000160000007468656d652f7468656d652f
7468656d65312e786d6cec594f6fdb3614bf0fd87720746f6327761a07758ad8b19b2d4d1bc46e871e698996d850a240d2497d1bdae38001c3ba618715d86d87
615b8116d8a5fb34d93a6c1dd0afb0475292c5585e9236d88aad3e2412f9e3fbff1e1fa9abd7eec70c1d1221294fda5efd72cd4324f1794093b0eddd1ef62fad
79482a9c0498f184b4bd2991deb58df7dfbb8ad755446282607d22d771db8b944ad79796a40fc3585ee62949606ecc458c15bc8a702910f808e8c66c69b9565b
5d8a314d3c94e018c8de1a8fa94fd05093f43672e23d06af89927ac06762a049136785c10607758d9053d965021d62d6f6804fc08f86e4bef210c352c144dbab
999fb7b4717509af678b985ab0b6b4ae6f7ed9ba6c4170b06c788a705430adf71bad2b5b057d03606a1ed7ebf5babd7a41cf00b0ef83a6569632cd467faddec9
699640f6719e76b7d6ac355c7c89feca9cccad4ea7d36c65b258a206641f1b73f8b5da6a6373d9c11b90c537e7f08dce66b7bbeae00dc8e257e7f0fd2badd586
8b37a088d1e4600ead1ddaef67d40bc898b3ed4af81ac0d76a197c86826828a24bb318f3442d8ab518dfe3a20f000d6458d104a9694ac6d88728eee2782428d6
0cf03ac1a5193be4cbb921cd0b495fd054b5bd0f530c1931a3f7eaf9f7af9e3f45c70f9e1d3ff8e9f8e1c3e3073f5a42ceaa6d9c84e5552fbffdeccfc71fa33f
9e7ef3f2d117d57859c6fffac327bffcfc793510d26726ce8b2f9ffcf6ecc98baf3efdfdbb4715f04d814765f890c644a29be408edf3181433567125272371be
15c308d3f28acd249438c19a4b05fd9e8a1cf4cd296699771c393ac4b5e01d01e5a30a787d72cf1178108989a2159c77a2d801ee72ce3a5c545a6147f32a9979
3849c26ae66252c6ed637c58c5bb8b13c7bfbd490a75330f4b47f16e441c31f7184e140e494214d273fc80900aedee52ead87597fa824b3e56e82e451d4c2b4d
32a423279a668bb6690c7e9956e90cfe766cb37b077538abd27a8b1cba48c80acc2a841f12e698f13a9e281c57911ce298950d7e03aba84ac8c154f8655c4f2a
f074481847bd804859b5e696007d4b4edfc150b12addbecba6b18b148a1e54d1bc81392f23b7f84137c2715a851dd0242a633f900710a218ed715505dfe56e86
e877f0034e16bafb0e258ebb4faf06b769e888340b103d331115bebc4eb813bf83291b63624a0d1475a756c734f9bbc2cd28546ecbe1e20a3794ca175f3fae90
fb6d2dd99bb07b55e5ccf68942bd0877b23c77b908e8db5f9db7f024d9239010f35bd4bbe2fcae387bfff9e2bc289f2fbe24cfaa301468dd8bd846dbb4ddf1c2
ae7b4c191ba8292337a469bc25ec3d411f06f53a73e224c5292c8de0516732307070a1c0660d125c7d44553488700a4d7bddd3444299910e254ab984c3a219ae
a4adf1d0f82b7bd46cea4388ad1c12ab5d1ed8e1153d9c9f350a3246aad01c6873462b9ac05999ad5cc988826eafc3acae853a33b7ba11cd1445875ba1b236b1
399483c90bd560b0b0263435085a21b0f22a9cf9356b38ec6046026d77eba3dc2dc60b17e92219e180643ed27acffba86e9c94c7ca9c225a0f1b0cfae0788ad5
4adc5a9aec1b703b8b93caec1a0bd8e5de7b132fe5113cf312503b998e2c2927274bd051db6b35979b1ef271daf6c6704e86c73805af4bdd476216c26593af84
0dfb5393d964f9cc9bad5c313709ea70f561ed3ea7b053075221d51696910d0d339585004b34272bff7213cc7a510a5454a3b349b1b206c1f0af490176745d4b
c663e2abb2b34b23da76f6352ba57ca2881844c1111ab189d8c7e07e1daaa04f40255c77988aa05fe06e4e5bdb4cb9c5394bbaf28d98c1d971ccd20867e556a7
689ec9166e0a522183792b8907ba55ca6e943bbf2a26e52f48957218ffcf54d1fb09dc3eac04da033e5c0d0b8c74a6b43d2e54c4a10aa511f5fb021a07533b20
5ae07e17a621a8e082dafc17e450ffb739676998b48643a4daa7211214f623150942f6a02c99e83b85583ddbbb2c4996113211551257a656ec1139246ca86be0
aadedb3d1441a89b6a929501833b197fee7b9641a3503739e57c732a59b1f7da1cf8a73b1f9bcca0945b874d4393dbbf10b1680f66bbaa5d6f96e77b6f59113d
316bb31a795600b3d256d0cad2fe354538e7566b2bd69cc6cbcd5c38f0e2bcc63058344429dc2121fd07f63f2a7c66bf76e80d75c8f7a1b622f878a18941d840
545fb28d07d205d20e8ea071b283369834296bdaac75d256cb37eb0bee740bbe278cad253b8bbfcf69eca23973d939b97891c6ce2cecd8da8e2d343578f6648a
c2d0383fc818c798cf64e52f597c740f1cbd05df0c264c49134cf09d4a60e8a107260f20f92d47b374e32f000000ffff0300504b030414000600080000002100
0dd1909fb60000001b010000270000007468656d652f7468656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73848f4d0ac2301484f7
8277086f6fd3ba109126dd88d0add40384e4350d363f2451eced0dae2c082e8761be9969bb979dc9136332de3168aa1a083ae995719ac16db8ec8e4052164e89
d93b64b060828e6f37ed1567914b284d262452282e3198720e274a939cd08a54f980ae38a38f56e422a3a641c8bbd048f7757da0f19b017cc524bd62107bd500
1996509affb3fd381a89672f1f165dfe514173d9850528a2c6cce0239baa4c04ca5bbabac4df000000ffff0300504b01022d0014000600080000002100e9de0f
bfff0000001c0200001300000000000000000000000000000000005b436f6e74656e745f54797065735d2e786d6c504b01022d0014000600080000002100a5d6
a7e7c0000000360100000b00000000000000000000000000300100005f72656c732f2e72656c73504b01022d00140006000800000021006b799616830000008a
0000001c00000000000000000000000000190200007468656d652f7468656d652f7468656d654d616e616765722e786d6c504b01022d00140006000800000021
0030dd4329a8060000a41b00001600000000000000000000000000d60200007468656d652f7468656d652f7468656d65312e786d6c504b01022d001400060008
00000021000dd1909fb60000001b0100002700000000000000000000000000b20900007468656d652f7468656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73504b050600000000050005005d010000ad0a00000000}
{\*\colorschememapping 3c3f786d6c2076657273696f6e3d22312e302220656e636f64696e673d225554462d3822207374616e64616c6f6e653d22796573223f3e0d0a3c613a636c724d
617020786d6c6e733a613d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f64726177696e676d6c2f323030362f6d6169
6e22206267313d226c743122207478313d22646b3122206267323d226c743222207478323d22646b322220616363656e74313d22616363656e74312220616363
656e74323d22616363656e74322220616363656e74333d22616363656e74332220616363656e74343d22616363656e74342220616363656e74353d22616363656e74352220616363656e74363d22616363656e74362220686c696e6b3d22686c696e6b2220666f6c486c696e6b3d22666f6c486c696e6b222f3e}
{\*\latentstyles\lsdstimax267\lsdlockeddef0\lsdsemihiddendef1\lsdunhideuseddef1\lsdqformatdef0\lsdprioritydef99{\lsdlockedexcept \lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority0 \lsdlocked0 Normal;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority9 \lsdlocked0 heading 1;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 2;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 3;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 4;
\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 5;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 6;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 7;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 8;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 9;
\lsdpriority39 \lsdlocked0 toc 1;\lsdpriority39 \lsdlocked0 toc 2;\lsdpriority39 \lsdlocked0 toc 3;\lsdpriority39 \lsdlocked0 toc 4;\lsdpriority39 \lsdlocked0 toc 5;\lsdpriority39 \lsdlocked0 toc 6;\lsdpriority39 \lsdlocked0 toc 7;
\lsdpriority39 \lsdlocked0 toc 8;\lsdpriority39 \lsdlocked0 toc 9;\lsdqformat1 \lsdpriority35 \lsdlocked0 caption;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority10 \lsdlocked0 Title;\lsdpriority1 \lsdlocked0 Default Paragraph Font;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority11 \lsdlocked0 Subtitle;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority22 \lsdlocked0 Strong;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority20 \lsdlocked0 Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority59 \lsdlocked0 Table Grid;\lsdunhideused0 \lsdlocked0 Placeholder Text;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;\lsdunhideused0 \lsdlocked0 Revision;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority19 \lsdlocked0 Subtle Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority21 \lsdlocked0 Intense Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority31 \lsdlocked0 Subtle Reference;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority32 \lsdlocked0 Intense Reference;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority33 \lsdlocked0 Book Title;\lsdpriority37 \lsdlocked0 Bibliography;\lsdqformat1 \lsdpriority39 \lsdlocked0 TOC Heading;}}{\*\datastore 010500000200000018000000
4d73786d6c322e534158584d4c5265616465722e362e30000000000000000000000e0000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff0900060000000000000000000000010000000100000000000000001000000200000001000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdffffff04000000feffffff05000000fefffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffff010000000c6ad98892f1d411a65f0040963251e50000000000000000000000005090
fb302de0d4010300000080020000000000004d0073006f004400610074006100530074006f0072006500000000000000000000000000000000000000000000000000000000000000000000000000000000001a000101ffffffffffffffff0200000000000000000000000000000000000000000000005090fb302de0d401
5090fb302de0d4010000000000000000000000004700d500c3004d005400df0054004800c000c400de003200c70046004c00d8003300c600d700c400db0051003d003d000000000000000000000000000000000032000101ffffffffffffffff0300000000000000000000000000000000000000000000005090fb302de0
d4015090fb302de0d4010000000000000000000000004900740065006d0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000a000201ffffffff04000000ffffffff000000000000000000000000000000000000000000000000
00000000000000000000000000000000d800000000000000010000000200000003000000feffffff0500000006000000070000000800000009000000feffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff3c623a536f75726365732053656c65637465645374796c653d225c4150412e58534c22205374796c654e616d653d224150412220786d6c6e733a623d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f7267
2f6f6666696365446f63756d656e742f323030362f6269626c696f6772617068792220786d6c6e733d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f6f6666696365446f63756d656e742f323030362f6269626c696f677261706879223e3c2f623a536f75726365733e00000000
0000000000000000000000000000000000000000000000000000000000000000000000003c3f786d6c2076657273696f6e3d22312e302220656e636f64696e673d225554462d3822207374616e64616c6f6e653d226e6f223f3e0d0a3c64733a6461746173746f72654974656d2064733a6974656d49443d227b34464343
353831422d433746342d344638322d394339432d3532463837363644453445447d2220786d6c6e733a64733d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f6f6666696365446f63756d656e742f323030362f637573746f6d586d6c223e3c64733a736368656d61526566733e3c
64733a736368656d615265662064733a7572693d22687474703a2f2f736368656d61732e6f70656e500072006f007000650072007400690065007300000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000200ffffffffffffffffffffffff000000000000
0000000000000000000000000000000000000000000000000000000000000400000055010000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000786d6c666f726d6174732e6f72672f6f6666696365446f63756d656e742f323030362f6269626c696f677261706879222f3e3c2f64733a736368656d61526566733e3c2f64733a6461746173746f
72654974656d3e0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000105000000000000}}