{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New{\*\falt Courier New};}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol{\*\falt Symbol};}
{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}
{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\f43\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f399\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\f400\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\f402\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\f403\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\f404\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\f405\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\f406\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\f407\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\f419\fbidi \fmodern\fcharset238\fprq1 Courier New CE{\*\falt Courier New};}{\f420\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr{\*\falt Courier New};}{\f422\fbidi \fmodern\fcharset161\fprq1 Courier New Greek{\*\falt Courier New};}
{\f423\fbidi \fmodern\fcharset162\fprq1 Courier New Tur{\*\falt Courier New};}{\f424\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew){\*\falt Courier New};}{\f425\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic){\*\falt Courier New};}
{\f426\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic{\*\falt Courier New};}{\f427\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese){\*\falt Courier New};}{\f769\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\f770\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\f772\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\f773\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\f776\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f777\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}{\f829\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f830\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}
{\f832\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f833\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f836\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f837\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}
{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}
{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}
{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}}{\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;\red79\green129\blue189;}{\*\defchp \fs22\loch\af31506\hich\af31506\dbch\af31505 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \snext0 \spriority0 \styrsid12858114 Normal;}{\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af0\afs28\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext20 \slink15 \sunhideused \sqformat \spriority9 \styrsid12858114 heading 1;}{
\s2\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs26\alang1025 \ltrch\fcs0 \b\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon1 \snext20 \slink16 \sunhideused \sqformat \spriority9 \styrsid12858114 heading 2;}{\s3\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs26\alang1025 
\ltrch\fcs0 \b\i\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon2 \snext20 \slink17 \sunhideused \sqformat \spriority9 \styrsid12858114 heading 3;}{
\s4\ql \li0\ri0\sb120\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel3\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 \b\i\f37\fs24\cf17\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext0 \slink18 \ssemihidden \sunhideused \spriority9 \styrsid12858114 heading 4;}{\*\cs10 \additive \sunhideused \spriority1 \styrsid12858114 Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang2057\langfe2057\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp2057\langfenp2057 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \b\f0\fs28\lang1033\langfe1033\langnp1033\langfenp1033 \slink1 \slocked \spriority9 \styrsid12858114 Heading 1 Char;}{\*\cs16 \additive \b\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 
\slink2 \slocked \spriority9 \styrsid12858114 Heading 2 Char;}{\*\cs17 \additive \b\i\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \slink3 \slocked \spriority9 \styrsid12858114 Heading 3 Char;}{\*\cs18 \additive 
\b\i\f37\fs24\cf17\lang3081\langfe1033\langnp3081\langfenp1033 \slink4 \slocked \ssemihidden \spriority9 \styrsid12858114 Heading 4 Char;}{\s19\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar
\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext19 \sqformat \spriority0 \styrsid12858114 
Num List 1;}{\s20\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls15\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\snext20 \sqformat \spriority0 \styrsid12858114 Paragraph - Numbered;}{\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext21 \sqformat \spriority0 \styrsid12858114 Indent1;}{\s22\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext22 \sqformat \spriority0 \styrsid12858114 Num List 2;}{\s23\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon22 \snext23 \sqformat \spriority0 \styrsid12858114 Num List 3;}{\s24\ql \li720\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext24 \ssemihidden \sqformat \spriority0 \styrsid12858114 Quote 1;}{
\s25\ql \li1440\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon24 \snext25 \ssemihidden \sqformat \spriority0 \styrsid12858114 Quote 2;}{\s26\ql \li2160\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon25 \snext26 \ssemihidden \sqformat \spriority0 \styrsid12858114 Quote 3;}{
\s27\qj \fi-720\li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext27 \sqformat \spriority34 \styrsid12858114 List Paragraph;}{\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext28 \slink29 \styrsid12858114 Body Text;}{\*\cs29 \additive \f0\fs20\lang1033\langfe1033\langnp1033\langfenp1033 \slink28 \slocked \styrsid12858114 Body Text Char;}{
\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon21 \snext30 \sqformat \spriority0 \styrsid12858114 Indent2;}{\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon30 \snext31 \sqformat \spriority0 \styrsid12858114 Indent3;}{\s32\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls19\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon36 \snext32 \styrsid12858114 List Bullet 2;}{\s33\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\jclisttab\tx2880\wrapdefault\aspalpha\aspnum\faauto\ls19\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0\contextualspace \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon32 \snext33 \styrsid12858114 List Bullet 3;}{\s34\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext34 \sqformat \spriority0 \styrsid12858114 Judgment Heading;}{
\s35\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext35 \sqformat \spriority0 \styrsid12858114 
Judgment Coversheet;}{\s36\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls19\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15692098\charrsid12858114 IN THE SUPREME COURT OF FIJI
\par Civil Jurisdiction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098\charrsid15036209 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098 Action No. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid731188 44}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098  of 198}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid731188 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15692098 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098\charrsid15036209 
\par Between:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098\charrsid15036209 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid731188\charrsid12858114 VELSON SERVICE STATION
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid731188\charrsid4804590 PLAINTIFF
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098\charrsid15036209 
\par and
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692098 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid731188\charrsid12858114 PREM CHAND}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid12858114\charrsid12858114  s/o Bhagi }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid731188\charrsid12858114 Rathi
\par trading as AEROCEAN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14559986\charrsid12858114  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid731188\charrsid12858114 CLEARANCES
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9994231\charrsid4804590 DEFENDANT
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12858114 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12858114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Mr. H.M. Patel for the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15695386\charrsid4804590 plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15695386 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Mr. A.K. Singh for the defendant.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12858114\charrsid4804590 
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12858114 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid9387917\charrsid12858114 JUDGMENT}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\insrsid16666742\charrsid12858114 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9387917 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The plaintiff pursuant to Order 14 Rule 1 Rules of the Supreme Court seeks summary judgment against the defendant for
 the sum of $12,000 being the total sum alleged to be due and owing by the defendant to the plaintiff in respect of nine cheques drawn by the defendant in favour of the plaintiff on the Bank of Baroda which on presentation to the Bank were dishonoured.

\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3751918 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The
 defendant entered An Appearance to the Writ and filed a Statement of Defence after the present application was filed but before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9906481  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
the date for hearing.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9906481 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9906481 A }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
number of affidavits have been filed by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9906481  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 parties.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15801452 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The defendant in his first affidavit in reply admi
tted writing the nine cheques totalling the sum of $12,000 and admitted that they were dishonoured on presentation to the Bank of Baroda. He did not deny the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
s allegation that the defendant was notified}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 that the cheques had been dishonoured.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 He alleges that he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
paid the plaintiff the sum of $12,000 by one cheque for $6,000 on or about 5th September, 1983, and having obtained forbearance from the plaintiff for payment of the balance he gave the plaintiff eight postdated cheques totalling $6,000. All
 the cheques he alleges were paid on presentation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 to the Bank.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 He further alleges that the plaintiff has}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5513795  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
claimed an amount of $11,899.57 from Aerocean Limited, of which company he is Managing Director, which account is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15801452  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 disputed by that company.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 He alleges in addition that he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15801452  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 is not personally liable on the cheques and that the claim should be made on Aerocean Limited.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12677325 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The Defence which was filed without leave on the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12677325  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 day the defendant filed his affidavit in reply,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 is a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12677325  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 repetition of the defence disclosed in his affidavit.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8920885 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Mr. K. Velji, the Proprietor of Velson Service}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid8920885  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Station in a further affidavit filed in answer to the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8920885 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590  affidavit annexed to his affidavit a detailed analysis of the accounts between the parties covering the period March 1 1983, to January 1 1984,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid11927592  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 showing a debit balance of $12,000.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5659216 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
That analysis discloses that nine cheques totalling $12,000 given to the plaintiff in September and October 1983 have been credited to the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 s account. The analysis also discloses eight further cheques each for $500 paid by or on account of the defendant in November and December 1983 which the defendant did not disclose in his affidavit.
\par In his further affidavit in reply to Mr. Velji}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15559665 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s second affidavit the defe
ndant makes no mention of the credits and debits in analysis except to "vehemently dispute" the matters deposed to by Mr. Ve}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12919838 l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
ji and to state it was incorrect. He annexed to his affidavit statements rendered by the plaintiff for the months of August to November both months inclusive.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12919838 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
Those statements indicate that for period 1st to 29th August 1983 statements were rendered in the name of Aerocean Clearances (the firm) at the end of which period there was a debit balance of $15,081.58.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14484183 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 That balance was carrie
d forward in the next statement which was rendered in the name of Aerocean Limited indicating that the defendant had incorporated his business. All the other statements were in the name of the incorporated company.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14484183 Mr. Vel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 ji in his third affidavit explaine
d that statements rendered in the name of Aerocean Limited was an error contributed to by the fact that the defendant sometimes paid by issuing a company cheque. He annexed to the affidavit a copy of the December 1983 account which was rendered in the nam
e of the firm Aerocean Clearances showing a debit balance of $12,000.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1050580 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Mr. Singh referred to the case of }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid16666742\charrsid1916402 Paclantic Financing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4804590\charrsid1916402  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16666742\charrsid1916402 Co. Inc. & Others v. Moscow Narodny Bank Ltd.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1050580 [}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 1983}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1050580 ]}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16666742\charrsid4804590  1 WLR 1063 a decision of a court of first instance. At page 1065 Webster J. stated the principles to be followed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1916402 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048982 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
I treat the following propositions as the non contentious background to the particular question which I have to consider. They are: that summary judgment should not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048982  b}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 e }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048982 given where there i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s a bona fide defence (i.e., a
n issue or question in dispute which ought to be tried) or where there ought for some other reason to be a trial; that on an application for summary judgment disputes }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8680129 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 f fact should not be decided, serious questions should not be determined in a summary ma
nner and issues should not be tried; and that a defendant seeking to resist summary judgment should state clearly and concisely what his defence is and what facts are relied upon as supporting it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1916402 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8680129 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Webster J. concluded at page 1067}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1916402 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9903797 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 But I conclude that I should not reject the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4804590\charrsid4804590 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s evidence if, merely because of its inherent implausibility or its inconsistency with other evidence, I find it incredible or almost incredible."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9314126 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The learned Judge in that case found there was one issue which was arguable and one other "very faintly}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9314126  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 arguable".}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 It is clear that the Judge was not happy with}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9314126  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 the defence and contemplated giving conditional leave to defend which could have involved payment into Court of the amount of the claim.
\par The learned Judge was not referred to Jessel M.R.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s remarks in the Court of Appeal in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid16666742\charrsid5797784 Anglo-Italian}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4804590\charrsid5797784  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16666742\charrsid5797784 Bank v. Wells}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 38 LTP 197 CA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5797784 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
 Although this was an 1878 case it is still good law and is referred to in the Notes to Order 14 Rules of the Supreme Court.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9443678 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Jessel}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 M.R. at p. 199 said}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5797784 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 "Now, the order on which the decision is made is a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9443678  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 most useful order.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 It is intended to prevent a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9443678  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 man clearly entitled to money, from being delayed where there is no fairly arguable defence to be brought forward".
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10882752 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Jessel M.R. also said at p. 200 - 201.
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5797784 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 "I
 entirely agree with the Vice Chancellor, that when the Judge is satisfied not only that there is no defence, but no fairly arguable point to be argued on behalf of the defendant, it is his duty to give effect to this section and to give judgment".
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7812032 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 Applying the principles enunciated by Webster J. there is in my view no defence to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7812032\charrsid4804590 plaintiff's}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590  case. The defendant admitted writing the cheques and that they}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7812032  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 were dishonoured.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 He has alleged payment and has listed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7812032  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590 nine other cheques which total the sum claimed which were paid to the plaintiff. Those cheques have been accounted for by the plaintiff.
\par The statements on which the defendant himself relies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7812032  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 show}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16666742\charrsid4804590 that the defendant in his personal capity owed the plaintiff the sum of $15,081.58 as at the 29th August, 1983.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12527131 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
The nine cheques given to the plaintiff in July and August 1983 were presented to the Bank on 15}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12527131 th }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
September, 1983, but not returned dishonoured until 25th November, 1983, for lack of funds with the reason "Exceeds Arrangements".
\par The defendant alleges that the incorporated company is liable. He has not pleaded any assignment of the debt or novation of the contractual debt or that he is entitled to be indemnified by the company.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742 

\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5316923 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1519727 Had he claimed to be entitled to an indemnity that wou
ld not avail him unless he could establish }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 that the company had discharged the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8989876 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s claim (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16666742\charrsid8989876 Thorne}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid5316923\charrsid8989876  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid16666742\charrsid8989876 v. Steel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5316923  [}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 1878}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5316923 ]}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8989876  W}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 N 215 CA).
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5124565 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 The defendant stated that he gave 8 post dated}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5124565  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 cheques which total $6,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
On his own statement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5124565  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 eight of the nine cheque
s were paid before the cheques on which the plaintiff has sued were dishonoured by the Bank. His affidavit would have the Court believe that after dishonour }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1189313\charrsid4804590 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16666742\charrsid4804590  the cheques he gave further cheques post dated.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1189313 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1189313 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 
 am satisfied that the defendant has no defence to the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4804590\charrsid4804590 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8989876 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 s claim.
\par There will be judgment for the plaintiff for the sum of $12,000 and costs.
\par }\pard\plain \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1189313 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\insrsid16666742\charrsid8989876 (R.G. KERMODE) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1189313\charrsid8989876 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16666742\charrsid8989876 JUDGE
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8989876 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 SUVA,
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9268167 1st May }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16666742\charrsid4804590 1984.
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