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High Court of Karnataka · body
2025 DAILYLAW 13854 (KAR)
UNITED INDIA INSURANCE CO.LTD., v. SHRI CHANNAMLLAYASWAMY
WP/15825/2012 · 2025-02-20
Anant Ramanath Hegde
body2025
[ 2025 DAILYLAW 13854 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 13854 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 -
! "#$# %&'
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Digitally signed by BASALINGAPPA SHIVARAJ DHUTTARGAON Location: HIGH COURT OF KARNATAKA
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. # +++
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123 45626278 23 92:5; <1=::58>28> 615 =?=@; ;=65; +++ 28 7'($+ AB 615 8;C36@2=: @2AC8=:<CD =A7C@ 7C@6 58>=:C@C 8 65@D3 79 615 3=2; =?=@; 615 458=:6B 79 ;23D233=: 2D4735; 78 615 @53478;586 AB 615 456262785@ 23 356=32;5 15 @53478;586 23 @52836=65; ?261 9C:: A=<E?=>53=8;<7835FC5862=:A5859263 + >>@25G5; AB 615 3=2; =?=@; 456262785@ 23 A597@5 61237C@65@6=289=<63=@587628;234C6515@53478;586?=3 =4472865; =3 33236=86<CDB4236 78 +&,) 23 =447286D586?=3<7892@D5;78&,&15473697@?12<1 15 ?=3 =4472865; ?=3 @535@G5; 97@ <15;C:5; =365 15 456262785@ <:=2D5; 61=6 15 A5:78>3 67 5;=@= %=8>=D= ?12<1 =<<7@;28>67615456262785@23= <15;C:5;=365
- 3 -
' 6=445=@361=6=<7D4:=28623:7;>5;;7CA628>615 =365 5@6292<=65 233C5; 28 9=G7C@ 79 615 @53478;586 15 456262785@ =3E5; 615 @53478;586 67 9C@8231 615 <5@6292<=65 =C615862<=628>123<=36515@53478;586<:=2D3671=G5233C5;
= <5@6292<=65 233C5; AB 615 33236=86 7DD2332785@ ?12<1 @=62925; 615 <=365 <5@6292<=65 233C5; 5=@:25@ AB 615 =1=32:;=@ 15 56262785@ =::5>5; 61=6 615 =132:;=@ 233C5; =:5665@ ;=65; ++(&),36=628>61=6@53478;586;753876A5:78>675;=@= %=8>=D= 7DDC826B AC6 15 A5:78>3 67 %=8>=D= 7DDC826B ?12<1=<<7@;28>67615456262785@23876=33<15;C:5;<=365
( 8 6123 A=<E>@7C8;! 615 23<24:28=@B 8FC2@B ?=3 28262=65;=::5>28>61=6615@53478;5861=34@7;C<5;9=E5<=365 <5@6292<=65ABD=E28>=9=:35<:=2D61=615A5:78>3673<15;C:5; <=365
15 @53478;586 ;234C65; 615 <1=@>53 :5G5::5; =>=283612D858FC2@B6158FC2@B992<5@1=315:;61=6615 <1=@>53 =@5 4@7G5; 5<78; 317? <=C35 8762<5 ?=3 233C5; 67 615 @53478;586 15 @53478;586 @54:25; 67 615 35<78; 317? <=C35 8762<5 ;234C628> 615 928;28> 28 615 8FC2@B @547@6 15
- 4 -
23<24:28=@B C617@26B 2D4735; 458=:6B 79 ;23D233=: 79 615 @53478;5869@7D35@G2<5
>>@25G5; AB 615 =97@5D5862785; 458=:6B 615 @53478;586 92:5; =8 =445=: =8; 3=D5 23 ;23D2335; <7892@D28> 615458=:6B 53478;58692:5;?@2645626278<1=::58>28>6153=2;
7@;5@ 5626278 23 15:; 876 D=286=28=A:5 =8; @53478;586 23 45@D2665; 67 @=235 =8 28;C36@2=: ;234C65 1C3 615 ;234C65 23 @=235;A597@5615586@=:7G5@8D5868;C36@2=:@2AC8=:<CD =A7C@7C@6
, 15 <7@@5<68533 79 615 ;23<24:28=@B 58FC2@B ?=3 FC5362785;AB615@53478;586$5D4:7B55=8;615@2AC8=:>=G5 =928;28>61=6615;23<24:28=@B58FC2@B?=38769=2@=8;4@745@ =65@6154=@6253:5;5G2;58<5A597@5615@2AC8=:865@D379 615 2D4C>85; =?=@; 615 458=:6B ?=3 356 =32;5 =8; 615 @53478;586 ?=3 @52836=65; ?261 9C:: A=<E ?=>53 =8; <7835FC5862=:A5859263
) 33=2:28> 615 =?=@;! 615 :5=@85; <7C835: 97@ 615 456262785@$5D4:7B5@1=3@=235;61@55<7865862783
- 5 -
="15AC@;58794@77923?@78>:B<=3678615456262785@ =8; 26 ?=3 97@ 615 @53478;586 67 536=A:231 61=6 15 A5:78>3 67 615<=36515<:=2D5;
A"15@53478;586$5D4:7B55?=3@5FC2@5;67<1=::58>5 6157@;5@;=65;++(&),4=335;AB615=1=32:;=@@5<=::28> @53478;586H3<=365<5@6292<=65I1=G28>876;7856153=D5615 7@;5@ @5<=::28> 615 <=365 <5@6292<=65 ;=65; &,) 1=3 =66=285; 928=:26B 1C3 615 456262785@ 1=3 536=A:2315; 263 <786586278 61=6 @53478;586 ;753 876 A5:78> 67 A5;= J=8>=D= <7DDC826B
<"15@53478;586$5D4:7B55D=E53=<:=2D61=6151=3 =44@7=<15; 615 33236=86 7DD2332785@ =8; 615 33236=86 7DD2332785@ 1=3 @=62925; 123 <=365 <5@6292<=65 17?5G5@ 87 3C<1 7@;5@ 23 4@7;C<5; =8; 5G58 29 3C<1 =8 7@;5@ 23 4=335;!
3=D5;753876A28;615456262785@=3615456262785@23876D=;5 4=@6B67=8B3C<14@7<55;28>295G5@28262=65;
& :=A7@=628>786153=2;<7865862783!2623C@>5;61=6 615 456262785@ 1=3 5K=D285; 615 =1=32:;=@ 15 :5665@ ;=65; ++(&),233C5;AB615=1=32:;=@234@7;C<5;=8;D=@E5;
- 6 -
=2; :5665@ @5G5=:3 61=6 615 <5@6292<=65 ;=65; &,) 4@7;C<5;AB615@53478;586239=E5
6 23 =:37 123 <786586278 61=6 615 @53478;586 ?=3 @5FC2@5;67=;;C<55G2;58<567317?61=6615<5@6292<=65;=65;
&,) 23 876 97@>5; 4=@62<C:=@:B 28 615 :2>16 79 615 3CA35FC586 :5665@ ;=65; ++(&), ?@26658 AB 615 =1=32:;=@ 36=628> 61=6 615 <5@6292<=65 ;=65; &,) 23 97@>5; 5 ?7C:; =:37 <78658; 61=6 82G5@326B @5<7@;3 45@6=2828> 67 615 @53478;586?7C:;=:37;5D7836@=6561=6@53478;586A5:78>367 28>=B=67DDC826B=8;=33C<1615@2AC8=:<7C:;8761=G5 356=32;56157@;5@79;23D233=:
5=@85;7C835:=445=@28>97@615456262785@?7C:;
=:37 3CAD26 61=6 615 @2AC8=: 1=3 876 <7832;5@5; 615 3<177:
@5<7@;3 =3 ?5:: =3 615 5G2;58<5 79 615 @28<24=: ?12<1 536=A:2315;61=6615@53478;586A5:78>36728>=B=67DDC826B =8;8765;=@=%=8>=D=7DDC826B
+5=@85;7C835:=445=@28>97@615@53478;58678615 7615@1=8;?7C:;<78658;61=6615456262785@?=3=4472865;28 615 B5=@ &,) 61@7C>1 5D4:7BD586 5K<1=8>5 =8; 123
- 7 -
=447286D586?=3<7892@D5;28615B5=@&,&15=A7C@7C@6 1=3 =332>85; G=:2; @5=3783 =3 67 ?1B 615 =132:;=@-3 :5665@ ;=65; ++(&), ;7CA628> 615 =365 5@6292<=65 ;=65;
&,) 233C5; 28 9=G7C@ 79 615 @53478;586 23 876 536=A:2315; 7 58FC2@B ?=3 15:; AB 615 =132:;=@ A597@5 233C28> :5665@ ;=65; ++(&), 36=628> 61=6 615 @53478;586-3 <=365 <5@6292<=65 23 97@>5; 5 ?7C:; =:37 <78658; 61=6 615 =1=32:;=@ ?17 1=3 233C5; 615 3=2; <5@6292<=65 ;7CA628> @53478;586-3=3655@6292<=65238765K=D285;=33C<13=2; ;7<CD586238764@7G5;
' 5=@85; <7C835: 97@ @53478;586 ?7C:; =:37 <78658; 61=6=<@2D28=:<=35?=328262=65;=>=2836615@53478;58685 7961547286397@<7832;5@=6278?=3?15615@615@53478;5861=3 D23:5;615C617@26B67<:=2D=9=:35<5@6292<=65786154@5D235 61=615A5:78>3675;=@=%=8>=D=7DDC826B =2;472861=3 A558=83?5@5;289=G7C@79615@53478;586=8;615
=>236@=65 1=3<78<:C;5;61=6615<1=@>5:5G5::5;=>=2836615@53478;586 @5:=628>67=::5>5;9=E5<=365<5@6292<=6523=83?5@5;289=G7C@79 615@53478;586=8;615<=35@53C:65;281787C@=A:5=<FC266=:
- 8 -
( 5=@85; <7C835: 97@ 615 @53478;586 =:37 3CAD2665;
61=6 615 586@B 28 615 3<177: @5<7@;3 28;2<=628> 61=6 615 @53478;586 A5:78>3 67 28>=B=6 <7DDC826B 23 =8 5@@7857C3 586@B28=3DC<1=328>=B=623876=<=365=8;2378:B=9=261 1C315?7C:;<78658;61=63=2;586@B<=8876A5:77E5;2867 83C447@679123<7865862783:5=@85;<7C835:@5:25;C478615 ;5<23278 79 615 77@;28=65 58<1 79 6123 7C@6 28 615 <=35 79
@547@65;28
123 7C@6 1=3 <7832;5@5; 615 <7865862783 @=235; =6 615=@=8;45@C35;615@5<7@;3
3 9=@ =3 615 <7865862783 61=6 615 @53478;586$5D4:7B55 ?=3 @5FC2@5; 67 536=A:231 123 <=365 23 <78<5@85; 615 @53478;586$5D4:7B55 1=3 4@7;C<5; 615 <=365 <5@6292<=65?12<1 @5G5=:361=615A5:78>367-5;=@= %=8>=D= 7DDC826B- 15 456262785@ 1=3 ;2@5<65; 615 @53478;586$5D4:7B55679C@8231=<5@6292<=65G=:2;=628>$@=629B28> 615 <=365 <5@6292<=65 ;=65; &,) ?12<1 23 28262=::B 4@7;C<5;AB615@53478;586=661562D5795D4:7BD58615 <786@7G5@3B =@735 =3 615 =132:;=@ 233C5; = :5665@ ;=65;
- 9 -
++(&),36=628>61=6615<=365<5@6292<=65?12<1233CAD2665; AB615@53478;586$5D4:7B55239=E5
, 15 =@8=6=E= <15;C:5; =3653 <15;C:5; @2A53 =8;615@=<E?=@;:=3353 535@G=627879447286D58656<" <6&&15@528=965@@595@@5;67=3-615<6&&-97@317@6" =8; 615 =@8=6=E= <15;C:5; =3653 <15;C:5; @2A53 =8;
615@ =<E?=@; :=3353 535@G=6278 79 447286D586 56<"
C:53 &&+ 15@528=965@ @595@@5; 67 =3 -615 C:53 &&+- 97@ 317@6"9@=D5;C8;5@615<6&&?5@5876285K23658<528615 B5=@ &), ?158 615 =132:;=@ 233C5; 615 :5665@ ;=65; ++(&),8;5@6152@<C:=@233C5;AB6157G5@8D58626 ?=3615=312:;=@?17?=3@5FC2@5;674=33=87@;5@=8;?=3 <7D45658667@5<=::6157@;5@233C28>615=3655@6292<=65
) 15 3566:5; 47326278 79 :=?
=3 26 ?=3 6158" A597@5 <=8<5::28> 615 <=365 <5@6292<=65 615 =132:;=@ ?=3 @5FC2@5; 67 17:; =8 58FC2@B =8; 317C:; 15=@ 615 4=@6B 6 23 =8 =;D2665; 9=<6C=:47326278=6612336=>561=6873C<158FC2@B?=315:;AB 615 =132:;=@ A597@5 233C28> 615 :5665@ ;=65; ++(&), <=8<5::28> 615 <=365 <5@6292<=65 28 9=G7C@ 79 615 @53478;586$5D4:7B55
- 10 -
& 15 456262785@$D=8=>5D586 1=3 5K=D285; 3C<<5337@ =312:;=@A597@5615@2AC8=: =2;=312:;=@1=3>2G585G2;58<5 36=628>61=61523876=?=@5796154@7<55;28>29=8B<78;C<65; AB6155=@:25@=132:;=@?17233=2;671=G5233C5;:5665@;=65; ++(&),
+ 623=:37@5:5G=8667876561=6<6&&<=D52867 745@=6278 28 615 B5=@ && =8;
C:53 ?5@5 9@=D5; C8;5@ 615 3=2;<628615B5=@&&+=8;615 C:53<=D52867745@=627878 &&'15=;D2665;9=<6C=:473262782361554=@6D586=:
8FC2@B @5:=628> 67 615 =::5>5; D23<78;C<6 A=35; 78 615 ;7CA65; =365 5@6292<=65 ?=3 458;28> <7832;5@=6278 28 &&' 15 C:53 &&+ 4@53<@2A5; 4@7<5;C@53 97@ G5@29B28> 615 <=365 <5@6292<=658;5@615 C:53&&+615236@2<6=3655@292<=6278 7DD26655236157D456586C617@26B67;5<2;578615G=:2;26B 79 <=365 <5@6292<=65 8 G25? 79 615 :=? <7D28> 2867 97@<5 ;5=:28> ?261 615 =C615862<26B 79 615 <=365 <5@6292<=65 615 456262785@ ?=3 @5FC2@5; 67 >2G5 = 4=C35 67 615 ;23<24:28=@B 58FC2@B 4@7<55;28>3 =8; 317C:; 1=G5 ;2@5<65; 615 @53478;586 67=44@7=<1615=3655@292<=62787DD2665567>56123=365 5@6292<=65 G=:2;=65; A5<=C35 26 23 78:B 615 236@2<6 =365
- 11 -
5@292<=62787DD26655?12<1<=8;5<2;578615G=:2;26B79615 =3655@6292<=6573C<15K5@<23523C8;5@6=E58
+ 8 615 7615@ 1=8; 615 456262785@ 4@7<55;5; 67 <78;C<6 615 ;23<24:28=@B 58FC2@B A=35; 78 615 :5665@ ;=65;
++(&), 233C5; AB 615 =132:;=@ 36=628> 61=6 5=@:25@ =365 5@6292<=652328G=:2;=8;615@5=965@151=32D4735;458=:6B79 ;23D233=:
++ 597@5 615 @2AC8=: 615 =132:;=@ ?17 3C<<55;5; 6155=@:25@=132:;=@235K=D285;81235G2;58<515D=E53= 36=65D586 61=6 615@5 =@5 87 @5<7@;3 67 317? 61=6 615 4@7<55;28> ?=3 28262=65; A597@5 233C28> 615 :5665@ ;=65; ++(&),67;7CA6615<=365<5@6292<=65233C5;289=G7C@79615 @53478;586 123 A528> 615 47326278 615 @2AC8=: 1=3 <78<:C;5; 61=6 615 :5665@ ;=65; ++(&), 23 785 ?2617C6 JC@23;2<6278 1C3 615@5 23 87 7@;5@ 4=335; <=8<5::28> 7@ @5<=::28> 615 <=365 <5@6292<=65 ;=65; &,) 1C3 615 <786586278 61=6 615 @53478;586 ?=3 @5FC2@5; 67 <1=::58>5 615 :5665@;=65;&,)17:;387?=65@G587615@?235A597@5 615@2AC8=:2623536=A:2315;61=6615:5665@;=65;&,)23 233C5;?2617C6=8B58FC2@B
- 12 -
+' 123 7C@6 1=3 <7832;5@5; 615 <7865862783 =8; 45@C35;615@5<7@;3
+( 3 9=@ =3615 <7865862783 61=6615 @53478;586 1=3 876 4@7;C<5; 615 7@;5@ 3=2; 67 1=G5 A558 4=335; AB 615 33236=86 7DD2332785@ @=629B28> 615 @53478;586H3 <=365 <5@6292<=65 23 <78<5@85; 6123 7C@6 1=3 67 6=E5 = G25? 61=6 615@52387855;6792:5=8=445=:=6=::8;5G5829262392:5;!
61=6 615@52387855;6792:5=8=445=:=6=::8;5G5829262392:5;! 615456262785@855;876A5=4=@6B676153=2;4@7<55;28>15 @5=378 23 615@5 23 87 7@;5@ <=8<5::28> 615 5=@:25@ <=365 <5@6292<=65 =965@ 17:;28> =8 58FC2@B 17C>1 615 @53478;586 D=E53=<:=2D61=6151=;92:5;=8=445=:A597@561533236=86 7DD2332785@=8;61533236=867DD2332785@1=3=::7?5;123 =445=:=8;<7892@D5;123<=36536=6C3=3-5;=@=%=8>=D=-!87 3C<1 7@;5@ 23 4@7;C<5; 7?5G5@ 3=2; 7D233278 AB 2635:9 ;753 876 4@7G5 61=6 615 @53478;586 ;753 876 A5:78> 67 A5;= J=8>=D=157D233278674@7;C<56153=2;7@;5@:5=;367615 <78<:C3278 61=6 615 33236=86 7DD2332785@ 1=3 876 4=335; 3C<17@;5@=3<:=2D5;76128>A5B78;61=6#1=623@5FC2@5; 67A58762<5;23615@5?=387;5<232784@5<5;5;AB=8B58FC2@B AB615<7D456586=C617@26B@5<=::28>615<=365<5@6292<=65233C5;
- 13 -
AB 615 =132:;=@ 8 615 :5665@ ;=65; ++(&), ?12<1 =;D2665;:B23233C5;?2617C6=8B58FC2@B=132:;=@1=336=65;
61=6 615 @53478;586 A5:78>3 67 %=8>=D= <7DDC826B 7@ 615 @5=3783=:@5=;B=332>85;!3=2;:5665@23876=;5<232784@5<5;5;
AB =8 58FC2@B 8;5@ 61535 <2@<CD36=8<53 6123 7C@6 1=3 67 6=E5=G25?61=65G5829615=445=:2387692:5;3=2;28=<627878 6154=@679615@53478;586;75387628G=:2;=651235=@:25@<=365 <5@6292<=65 ?12<1 ;5<:=@5; 61=6 15 A5:78>5; 67 -5;= %=8>=D 7DDC826B-
+1237C@61=3>78561@7C>1615@5=3783=332>85;
AB 615 @2AC8=: 6 1=3 =:37 <7832;5@5; 615 928;28> 79 615 ;23<24:28=@B =C617@26B 61=6 615 <5@6292<=65 4@7;C<5; AB 615 @53478;586$5D4:7B55239=E5=3615<5@6292<=652387632>85;AB 615=132:;=@15D=@EA5:7?61532>8=6C@579615=1=32:;=@23 @5=;=3L97@L672865@4@56=8;17:;61=661532>8=6C@52387661=6 79615=132:;=@=8;262332>85;78A51=:979615=132:;=@ =2;
;7<CD586 23 D=@E5; =6 K
( 123 7C@6 1=3 45@C35; 615 3=2; ;7<CD586 123 7C@6 23 C8=A:5 67 =<<546 615 928;28> 79 6158FC2@B992<5@61=6615D=@E?12<123A5:7?61532>8=6C@5 1=367A5@5=;=3L97@L6717:;61=6262332>85;78A51=:979615 =132:;=@=8;876AB=1=32:;=@15@2AC8=:1=3@2>16:B 15:;
- 14 -
61=6262387667A5@5=;=3L97@L89=<62623=D=@E28;2<=628> 6154:=<5?15@561532>8=6C@51=367A54C6123928;28>79615 @2AC8=: 23 A=35; 78 <7@@5<6 @5=;28> 79 615 D=65@2=: 5G2;58<5 25K
(=8;3=2;928;28><=8876A5<7832;5@5;=35@@7857C3 928;28>
+ 5=@85;<7C835:97@615456262785@1=3@5:25;78615 JC;>D586 79 615 77@;28=65 58<1 79 6123 7C@6 28 ! "# $
%&' !!( ) %* + 28 #@26 5626278 7+,,,,79&&;5<2;5;78+'++
+, 62367A58762<5;61=6286153=2;JC;>D586615@5 2387@595@58<567615<679&&=8; C:53&&+86153=2;
JC;>D586 615 7C@6 15:; 61=6 615 =132:;=@ 23 615 <7D456586 45@378 67 28262=65 =<6278 67 @5<=:: 615 7@;5@ @5:=628> 67 <=365 <5@6292<=657?5G5@615JC;>D586;7538763=B61=6615<=365 <5@6292<=65<=8A5@5<=::5;?2617C617:;28>58FC2@B15@2AC8=:
1=3 >2G58 = 928;28> 61=6 87 58FC2@B 23 15:; A597@5 233C28> 615 :5665@ ;=65; ++(&), 1C3 615 @=627 28 615 3=2; JC;>D586 ;753876=44:B676159=<63796123<=35
- 15 -
+) 8 , -)
./ 000012023
4/ 0051206 615 <77@;28=65 A58<1 79 6123 7C@6 1=3 15:; 61=6 5G58 28 @5345<6 79 615 <=365 <5@6292<=65 233C5; A597@5615<679&&=8; C:5379&&+<=D5286797@<5615 236@2<6=3655@292<=62787DD266551=3JC@23;2<627867;5<2;5 78 615 G=:2;26B 79 615 <=365 <5@6292<=65 123 7C@6 1=3 =:@5=;B 8762<5; 61=6 615 ;23<24:28=@B 58FC2@B ?=3 458;28> ?158 615
C:53 &&+ <=D5 2867 97@<5 8;5@ 61535 <2@<CD36=8<53 615 ;23<24:28=@B58FC2@B<7C:;8761=G5A5584@7<55;5;?261=965@ 615<7DD58<5D58679<6&&=8; C:53&&+67;5<2;578 615G=:2;26B79615<=365<5@6292<=654@7;C<5;AB615@53478;586 8:B 29 615 C617@26B C8;5@ 615 3=2; <6 1=; 28G=:2;=65; 615 <5@6292<=65615;23<24:28=@B58FC2@B<7C:;1=G5A5584@7<55;5; 9C@615@
+& 6 23 =:37 @5:5G=86 67 8765 61=6 615@5 23 87 =;JC;2<=6278 AB 615 7D456586 C617@26B @5:=628> 67 615 <=365 36=6C3 79 615 @53478;586 52615@ C8;5@ 615 7:; @5>2D5 25 A597@5615<679&&=8; C:53&&+7@=965@615<679&& =8; C:5379&&+1C3615;5<2327879615456262785@78615 <=365 36=6C3 7@ <=365 <5@6292<=65 233C5; 28 615 8=D5 79
- 16 -
@53478;586 23 ?2617C6 JC@23;2<6278 15 JC@23;2<6278 ?=3 ?261 =132:;=@C8;5@6157:;@5>2D5=8;JC@23;2<627887?G5365;?261 615 236@2<6 =365 5@292<=6278 7DD26655 C8;5@ 615 85?
@5>2D5 =132:;=@ 1=3 876 15:; 615 58FC2@B =6 =:: ?158 15 ;7CA65;615@53478;586H3<=365<5@6292<=65
'623=:37@5:5G=8667876561=6615@2AC8=:1=3 @595@@5;67472869@=D5;AB615
=>236@=657C@6@5:=628>67615 <1=@>5799@=C;C:586:B7A6=2828>615<=365<5@6292<=65ABD=E28> 9=:35 @54@53586=6278 =8; 615 :5=@85;
=>236@=65 1=3 15:; 61=6 615<1=@>5799@=C;C:586@54@53586=6278@5:=628>67615<=36523 876 536=A:2315; AB 615 4@735<C6278 B @595@@28> 67 3=2; JC;>D586615@2AC8=:1=3<78<:C;5;61=6615<1=@>53=>=2836 615 @53478;586 @5:=628> 67 9@=C;C:586 <=365 <5@6292<=65 23 876 536=A:2315;
'15@2AC8=:1=3=:378762<5;61=6615=123:;=@?17 1=3 ;7CA65; 615 <=365 <5@6292<=65 79 615 @53478;586 23 876 5K=D285; 7?5G5@ 615 3C<<5337@ 79 615 3=2; =312:;=@ 23 5K=D285;153=2;=123:;=@?171=35K=D285;78A51=:979 615 456262785@
=8=>5D586 28 615 <@7335K=D28=6278 =;D263 61=6 15 23 876 28 = 47326278 67 36=65 =3 67 78 ?1=6 A=323 615
- 17 -
4@5G27C3 =1=32:;=@ 1=3 ;7CA65; 615 <=365 <5@6292<=65 79 615 @53478;586
'+8;5@61535<2@<CD36=8<5361237C@6;753876928; =8B@5=3783672865@95@5286152D4C>85;=?=@;4=335;AB615 @2AC8=:285K5@<23579615JC@23;2<6278C8;5@@62<:5++,79615 783626C6278 79 8;2= 15 @5=3783 =332>85; AB 615 8;C36@2=: @2AC8=:=@5A=35;786155G2;58<54:=<5;78@5<7@;
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