!"# $%& '() The effecting factors on the request for banking service An applied Study on sample of advantageous in Nineveh Governorate,-. /( *+* )"40 ()1 2 5 6 7 "#! 2) *+,-. /0""1 ' "#$%& '( :); $%4*1567.8989% 1.<=->-0!?@ABCD> 05/ EFGH;,& ' :#!1= / -A ), <4I.J!15 )/ -K )!/ 1, M40" L6 "H;,& '"/!%FM %E 0LN 10O6-*J +:1:( LP;Q&> O O $% 9)! 2 <4I$%E 0LN5( :R ABSTRACT The banking services are consider to be the main front for the bank's customers and am important means in attracting the new customers and to hold the e- customers. It is the passing gate for dealing with different activities of the bank. the aim of this research his to clarify the effecting factors on the request of the bank service for specimen of advantageous in Nineveh Governerate through of application from which designated for this purpose. It is noted that one of most important among these factors is the increase of the advantage rate which decreases the demand for these services and the decrease of the discount rates which increases the need for it.furthermore, the bank in N.G are highly trusted because of grantees which are imposed on the customers,besides, the economical and security circumstances which the country witnesses have great influence on the increase of requesting for these services.
! + %"# $%&'( &'()*,, -./,01% 2 1!56'/%( 1!5 ' 4 ' '1-2 %70'- #) '!!!,(,(,&"8 ','/'9* ) #.&(),!<,,!',)!:(; ='/0-6'/'9* ) $#)?- >(! #4!,1!5",(!(6'/ /51"(,;!/6'/ =, -()?- A@ =:%( -6'/'9* )!"!B )?- -6'/'( )'(&)(>(!( =&) / CD -B' 0 / CD& -6'/';1D >(!.' =,*) /, # -$,0 >(!%)( >(!E, D ) /?D&, & -2F#!' 5!/ H C;6'/) &!G*( ;7,'/9* 6'/ -6'/'9* ) (<!9 =:%(!0 /!
FD!&'!!+/#!>(!*(! - - 0 / / ' 6'/()7#!) -'1*7-( I, 8" " 1!5%, -6'/'!9* )!&' /6'/9 /5= -K"J8& D,I$9!/KJ?G' "( 4 1!5:%(!0% I0% =9 KJ4! "( /6'/,D/$!49L"!.&(' '!-(# /6'/D/ " $'!- =' #)'('#$-!1(G =' &'$%"# * +,-.)( ' ( )&/9 " 4 F,L! - K77 J= -'$) 6;, & -)!$5# 6'/',# " 910.0910!,0%-,'!&41#2D&#C&+1!5 =K77-M5J=41(, N?*,1? + & -:( -# FG(' /)*,&&(6;) 64 /! Kotlerand 7J 4 O! '?( KArmstrong, #-M, & 40 ##, - # O1J=&F;)* C#"' 6; ' 9D!" K77 A@ #! -$,0 ) #,! -'+ -,&&(6;!564 / 01.1/ = = -,!P1-/!)* 0+2+,1/ Q *6;- )('* - # # 6'/ &/ -41D!(6!!
,6,"' : (! +'B*( "!$# %!/ 5-4' /), & 5<10(! =0'- )#)"!&'1 & 9/5 1 &?9, -)?-,! K77)&/J, #0'- = -4')!),)# &?4 - A = &.0G: 6'/%( ' 1 A '!& (#) )?- '- ( A ='Q' -)*!P'& 556;, "(R#6'/) A =$-D(" +," * )( B'$&!.' 6'/9G/ -)'(# -!F?-!'-2#>(7)1 -? JA@, 9S5 *".&(#+L -)'(# "7 K77( =!& 9&D& )?- '9&( A "146'/ -/)'(' // A =$,!I$,(8#6'/1!5$&6'// -'!5CC "!5,;6P1-( -/)'(' // A = 6;! -C#& K 77(!#0(J'!'* -5 # =/ 4!,! - A #>('$& -6'/';A = D&!!; - -2#/?D"! - 6'/';A =;#/!' )",/ +, $* #$*)(
(!#6(! -$&(9 F5 6;, -$&,!.!- & ) /$) : T, N -/9!/!"L",1!5 =K 77"!J R >() C( -6'/ ' / (" 1/+1D;) ($ "*(G+ =+"#+!-U)D 7-J!' 9/6'/ - @K7 $/6;,& -!$51!5(6'/ = =B!4,? - 80(!B!-.&(910!$(L!<&$& = =(!B!-4 $C?10!41 $-" G),$&( 4 +$&!" = -.&( '(!.&(6'// & =1$##"C1!56;' 9.&(6;, 95 ' C0"%./C"!6'/ 4 = 6'//) '#$-95 '$'!H = - B2 C&!NN( -' //,! A@K 7 7(? J,!#9 )! 9 -'&,B&2)* -9- A =9 - (! D&!/ '.' A =1!5'9 (4 $C? -$&, 9 -R#)( 9V-9*") /B A =910# "(&% 95 1!5/95, 9*"1.&(9 -"!; A = -$&0'"<0-(1!54 ) $( K 7 7(? J@.&( -' /# "
'1!5" A (. -!) $(95 A, &!$&,! -$&0'"<0-6'// A =:-# +,4)( * +, 41 %#C' " /!"9# -! >(K7@RJ, *% A@'* B!)! & -2 -M8-J-L!4141)A@,/L!41)! K77 '81) *0%2;' <&$& =) / -) $# "!/J-9' /), / D!-; A A =K77.- $&/N?D1!5H.)(.C4! J!$,&*) $, $, /L!.' 1!5' - A =K77!'( -,"9;$,E -!$&!(H =K77.-!/J)D0'Q&'!&! ) #%./)", -./ 8 /N?DK77$ GJ$, 0'- 1!5 = " *"'!%0(!,,(& $&& FD - JVG95"- *46; A A A =K77 *5 +,/ ) D<0-,1!5, & -@Q95,#, -$))?-) #!1!5(!'GCG =
FG($-,$-!5,' ("!! =K7'-*J=& 5- &"&! /!@ "?!! = $-!6;$&Kcoandkoelzer,2004,91J!/4'$-, ="! 1!,! B!, &&>( -!@)&,B! =,95,#!/$,? C; $,!(6;)B!C? H =K77)/ ;J'- &>(!/ ) @!/ = "9) '(""$% +'/) ) +L!!/ ) *()1 ' $% 77 (J!5!)?'+" =K 0*-* +,)( $%! "") N/ NN&($,, D %!"/K,200177W(J ' '( & -$% X'!6;:# - KGronroos,1995,218) %'-, & -)* VD 1!5R ) ' &9-Q /,>(= #4 ")"!)?- ' CY!B! -!-&) )%4)"!' 2 9"! #'& -B!$&" '!& &," 6'/,;)-(?&")"!)?- H,"B! ;=K77)/ ;JB!(D -'- 6'/+( ' ##+!(6;)!5' &!,!K77: J!+ /!!"!)?- ">(;8" /"!E! 5() B! @Q5 &&(, -B!) '
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eston,1996,40J
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
6'/ -!)" D"%),;/?D/- ' ( /,!/ K77-!J, & -"' "* )!& D- D.##& D # D2" -&*!/ D2!;&/ D41D! C## ", & -&'E1" - :!#, & & + )!!5&*"6!5!D.(;$/ *25= *4* <!,'/)(;!54-1?, 2K77%? J &+D/%.$- () 9! 1?,6;?, /) 9! I 1?,'<& ) & 1?,F;K77-!J0" F# " - 9 F#'6'/) 50(D #" D+ /;$(!5+5!!'?, &/ 9;-L1!/?,2)!&, & K77%? J!'?,6'/)('!5'#: +,8 $,; & - C? 1?,L! -9 - -6'/$,(),'/)(0 ''0$,";4 )/ ;J -2,$,!9#!C? 4.!.09 L)!& 1!5CD;.! -9;K77 B"Kcroninandtaylor,1992,55J+'!& C6'/*!5D 6'/^T /+!%0(?)!IF!G# -9 77J -98&0'-!# -(" 2?/#$,0 K *(&! )* -! ' )* A@ A =0%,% + - -$&6'/1!5%, 9/!A@ *75A /!'
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
, -2(1!5,*!) / B *M!%0(?:-)1!($,,# = "(RD$!.'! 0 $*$%09 7+)( %( - 0 '- //5!";,$,5/#$,'D0!#,/$,,$,1# : -!*& )( - ( 8-9?,4!9 CG>* & ` 0% `4!/5 0 /6'/' =:-# $ /!!>G `" `!!K9(, (#J0% I A`A`A`A! 10 '( &!'I$K8"!J 9,' (;%(?$,'( ;` /G' (`2" ' (` )!;F ) ;`K #J9,6'/)(I`1!' (` ' (` 4 `' 4 ` "( 4 $, ` 0! '!& "( ' )!>( ;?G (H` 1?,`-'-)(`)!(4'! '!&' ;`(`!!()( "6'/`` + )! '!;?G )!>( 6 45' / KJ))?- B%(? "!=6'/``+!! - 0 KJ6'/ KJ!& /H!#B!'"#159 I9 KJ =9
F7)(7 787,./#45KJ) )!7 )
; *58* 6*57A;+ 01" * +*)2-2( - 1(G(+0!' #)'('#$-6;>(!+ )6;)$>(!, D #( B+' #)'('($,0 (*(!?- $I6'/=,# K7 J #,0 (' #)'($,0 #6'/.0+! - C.&('$-1(G& / +0!5, D) #6;C15./ 9%8!) ) (:./+)- ) /)"5 = B'F, D!'?* *") )"(!'#' #)'( 9 >(!FD 9%8!!'* - C.1 A@', D1(GCS)0 </L ) 0 P?-1!0 6'/1(G' C;$A /:(;6;' #)'(P'-&$* " &$-! =KJ$)HD "? /!0 )(6'/' #)'(! A@!0 A!!!(!$&9D!? 0 6;'!!& 6'/#).&;>(7' =& (, '!!)*? (! F,"!A@F "A!)* +", F) 2,'- ) 20 ) $"K77!8*J )" '- ) 20 6'/B)( +!F "" '"(0!9( F = 9!"!0) ;
& ) '!!& $A@)? (A ") ($!" '"' (!($&2 /$ =K771J+'!!6'/!*!B A@,!9/ "A@!A &!4!'"! C5BA@ )!A# = )? ( C5 #4!'"! C5BA@P-!A =K77!8*J()! 6'/ 4? (! F 6'/.'A@+ & "A = &!0 ) / 9(6'/) /)" ( B,, ) ( 9/BA@+ #) -A!( (!", 95 + #) / 1J*(!&!!+ -$ 4&&!6 7!0 =K77!".&(6;,8#6'/ 1' /K) J( A $*(!9? ($)'&9!"? ($4>(!V 0 "!6'/ & D!$%&$-!" '"+9 KJ!$;,? (!!)?- ) )(++? (#8#6'/!0'!"'!) '"" $%/# =(0 @ *2*B7)( $,1#)'( - 0!' #)'( " A@' ")'(.E1$#6;) +,6789: "1"#"1 X2$-#<0-X1910#F0 ) 6'/! 20 ) `2.1+ &!X$<0-!! 4 ) # *"# # 9%'!!) #6'/`7.89% `62+'/.0 `79) ()!$-#<0-), + & #$"<0-"`76F) 6'/#>( #0 1.0 (!0 `74+'/.0
+,1 $09"1 )('%9)X89 &$- ) 6'/! &!X11-5CGX10+ & # -9X9-6'/ 9)),/$#;`7.19% 20 ) `1.9 2;; `74) (6'/#>( -6'/+(0,D&% #"; `70F) 6'/# #,'/' 0 )!;.90 2%,6'/&0 ) O'!>(9& C;.5 =1.06 (!`61 0 * 9"1 '!X20 I ) 6'/! 20) `1.8+ &!X22?/G/'# X21 ) )( /!),F) ) () >( $##`6.89%', 6'/`72`82+ O'!;0 ) /)( / ' /!0 ) /)( " '"; -'6'/*L *+ #1.25 (!$, `61.0!C+ +' )' '" (!`69F) `60) ()! I " =0 `5+'/.0 `0 0+"1*"1 5' 5 X7 590 ) 6'/! ) `1.7 &!X24!' ') X15 CG CG5' 5 C&`6.59% 20 6'/`67%76F) () 6'/L!) '+ #>( 6!! -2,$,!'950 *" CG/#; 1.19 (!$, `70+'/.0 += *1 $C,"1 IX17 " 6'/('#$-( ) 6'/! 20) `1.7+ &!X18 1?,H 5 '# 5'#I), # *"##!`6.59%' =`7F) `78) () >( 1?,H +*>5 #'C"1
$&! 4 $/X6 ' ' 1?- ) 6'/! &!X27 %X25C!,"C 4 - -$&/ F )(&`6.4 9% 20 ) `1.6 C!,"C $/#B`78) () 6'/#C!,"C 4 % "F) 6'/#>( #+'/0 )!;)' BC -2,$,!'0 )!;956'// D -8& D$,!;0'6'/0 `66.0! 1.07 ( 8*1 +D %"1 0IX1 -$&)( ) 6'/! "`5.99%'20) `1.6 &!X14 CG 6'/#>( CG0I), # *" )'02,! 4 $/#;6'/`75`8F) () 1.10 (!0 `6.0!BC -26'/' 0+07;9"1 4! /I( ) :( F) ( )"% 9% 20 ) ` &!X2 $, 0 : /I#;6'/``+ =` (!$, `.0!C -2'+ +,8 7*"1 FX12" I *?*) 6'/! ` &!X19 //X16 &?, /! 4 ), $#`9%'0) 4 #;`) ()!?,"H & -9 2'6'/0 )!;956'///9! - & +?,F! 4 `O'!F') 6'/# # - = (!0 `!;+"# ;.* 1"1 &!X26-0 (I( ) :( `),F) () )"`9%'20) `
' " (6'/+$/ 4 $/#>(6'/` 2%+,6'/&0 ) O'!;,!'/$,5/$ -2 - =` (!$, ` + 92=7&"1 * X4($1?!' ) 6'/!!&`5.9% 20) `1.4 &!X5,!4 9*",!4 * ), # *"## 4 '"!" D2" '";0 6'/,D0 D 0 `.0!C -2,+!'5!/+*! =1.0 ( D -8& D$,!;0'6'/
!-8,$%915!*8:;$%<*-=$%(*%>?$@"$%A>,$%764-5 B9$%8. <%8C,$%D- F5E%4-?* (*?$%0G% HH8$% 8.%I$%!HHHHHHHHHHHHHHH'. -H?(*?$% -,$%!HHHHHHHH',$% J,$% D-?$% #*$% 4-HHHHHHHHHHHHHHH?* (8/,$% 4-HHHHHHHHHHHHH?* K>8L$% M%HHHHHHHHHHH/1N% OP8?$% @JN% -/$% @'$% HHHHHH-$%(HHHHHH*%>?$% HHHHHHHHHQRHHHHHHHHH$% 8:;$%*-=$%.76 HHHHHHHH*-=$%HHHHHHH?8'S *-$%8:;$% @J,$%T#$%.8
@:;$%(*?,$% <U8HHH,$%HHH?8'S *-$%8:;$% HHHH8*V%MHHHH9$% D;,)N% <%%HHHHHHHHHHHHHHHHHHHHH5E% -,?$%8:;$% @:;$%@>$% D>HHHHHHHH5HHHHHHHH8>1 8:;$%*-=$%
; *58* 6*57A;+!-8,$% W$%"U$%
*2* 0*59**2*;7 6"+* 2*/ :%( "( 4 ' - 0 ` #!A =:- 6'/0 )!; )'&!!" )! & 910#F0A =1(; $/ $I6'/$, `+'/.0-2' <0- -6'/'6'/9* ) N,N? /-A C 4 ) 0 )!; 5!$# $-# =` 4!) #"!G!!:%(,!4 *!!-#N? /(A =$, `+'/"# 0 4 6'/,D0 D 1!"" I0!G' )'("A =!G `.0!BC &$Q %!!" -26'/$,!;# - 0!I#A =!G ` 4!&' * @, 90,!(& / 6;)$;$E1CD 5"$/,?- R!#.&(49-6; *+ =FG, 1!Q"*("$-'&6'/ /5" /N!!' -$&? 5/ =!&*55) '# &H.+H8)[H\,!"H#$%]-H$@:;H$%@>$%'1:P^J.8:;$%<GR$%*(*?,$%DAYZ X (H*?,$%DH#P>HJ$%!`-$%8JL. $%@a*-.@,$%8:;$%<*-=$_?,$<gr$% @:;$% HH!8D>HH$%8JLHH,$HH.D#!8D>HH$HH>:-$%6HH-$%8:;HH$%-HH"$%?HHG@HH:HH9$%DHHZ X Hc%H,)N% H!8Hb,$%8JLH,$aH8=,7Hb>'$%6H"%-$%8:;H$%-H"$%?HG@H:PH`DN%,$%PW,GN%d:D;,)N%$/$%*[G, -,1!5+ & 9 '/E!!! $9D X - $,$& 9!C/"55 D!1!5 "6'/ A A = -B'/$D.&( () :
> () = ;40< @ (A40 :'? < 5(1<6-1J:1!P\* V[XYYZWVTF' TU/ I 6 2S 2.D V( LP5/(NOV[5/+;]W</O(TI-V / '"/5I 1 6-`"V[XYY_WV1,'^0%="@/ 2X ( LP5/(NO[5/+;]W</O(TI-VL/ ;'!/( 2.D V () 5/(N.GO1, a)v[xyyxwv1, T$':aF0%F% 2_ V5/+;] /V.D;:1b;%/c'!/(50b 2.D V( LP5/(NO AJe!'11, P.'/(V[XYY_WV G"'T1% 2d 5/(NOV[5/+;]W</O(TI-V>(/Q1:/ f;0,/( 2.D ( LP M%-$%j0* " /J1567.2[SiidW1 *h R 2g V( LP5/(NOV5/+;] /V(B" 1:/` 2.D D'(0 E% CB,bPb;0 5,V,bPf;0 ;J!V[XYYlWVk-="@ 2S 2V0J:m/ + :#O5/(NV1 ;B= %.n1f;"%/(v[xyygwv/ ="@ 2X 2V:R4bK *L 5/R#O 1">, J1,bP.V +f;0v[xyyywvj 0%T 2_. www.arablawin.com (V1oV;b`0 V[XYYSWVkb0 6 2d 2UVoV, e;v1, e U!6-V[XYYqWVp 1%=B,k(5#T/T +F 1>"# "r )TP1:/ / /(V[XYYYWVU( D> > /( 2Z VXXV:;!VH;,& '1 :/ / s"$%/( 2.D V( LP5/(NOVZS( $%HGQB5 )6th J.'!V[XYYqWV(T(%%m/ 2l :( LPa(B"OVSZ(V:( LPa(B"OV1(Q5 )O 2UV 1 T/(FNf;0V[XYYXWVu:+'K+1%> M/ 2q ]( '!VX_ViY(V:( LU tv1fn1"(v;"1:b.:c" 2/ NVj:w'0#O% ;5/ 1 :R!(/`0!V5 )O=:J!V[SiqiWV.4OO 2i ( LP5/(NOVXZ(V:;!VSiq_SiZg5: 2.D V / ;5/J1,bP1j:V[XYYlWV.% @1O!O o 2SY :/(NaOV{ 1!7VyAJ,Pz!/D ;:(/ y,(/q 2>(/QV )(F V :JI "JeT GV[XYYgWVa N-': FD 2SS :/(NaOV"1!7V['!/(WVe:'B! 2>(/QV )(F V.}!',:/ f;0/(@!v[xyyxwv4 *$)*T0% FD 2SX 1"I1j:EQ$J$aJ~'"[,'!/(W.LF 25'"/ NVL/ +V:*U -L 1FN 5(h LV[XYYgWV4 *$)*T0% FD 2S_ www. Kantakj.com 2o,(/Qb
'(EFG/ 1E h-/,v[xyygwv> 0ok( =:b0% 2Sd V$Q;V[_W(VEQV:/(N:( LPakBV/ 2b V( LP5/(NO I /0,bPV[XYYgWVuG05T1;:6T F 2Sg V( LP5/(NOVgd(VXq;V( LPV ; 0* 2(B"V:;.'(-a "/ (-=:J!V[XYYgWh;5;Q (:Ru*2SZ w'0 /:+! Vk/1% ;,/(1 2 :/V:+! Vd(VXlV V>(/Q1f;0V5 )/ -.bv[siiiwv='.9 ' 2Sl 2>(/QV>(/Q "f;0v[dw(v[sxw 15o 0, PF8;/J5('.V[SiiiWV nt-f 2Sq 5/(NOVZi(V_Y;V( LP5/(NV['!/(W 2(B"V:; ( LP :( LP;.:!1:/ f;0/(v[xyyxwv.j%'8) 2Si 2www.muflehake.com ( JV1 +;15 )/ -B!6-V[XYYqWV*%k 2XY 2( JV( LP5/(NOV[XW(V[SYW (V[XZW:/(Na /(V[,/(W,(/Q/ 11, 2XS 2>(/QV,(/Q V[XW www. ishraqa.com 71 +5(5/(@V[XYYdWV1o, 2XX 4b 2>(/QV> %V:R+; /(V1j:V[XYYgWV/ +" 2S +;/(Vf;0(J;V[XYYXWV, G( %MG"-:-{:GE 2X 2> ;0V"VSV:R V> %V+; )D/(VSVf;0(J;V[XYYYWV10TA :// ( o/ 2_ 2>(/Q % 0*6P"/(V/ 5/(V[XYYgWk/L.+j T"4T D 9/ 2d 2UV.DV+; V1.'$@.GV[SillWV1! 0j!/ 00%h ;61OR:OR 2g 2(B"V Je7 -f;05/(@=&;!v[xyyywvu'l"-af0%1);t/ )B0% 2Z V:/;bN1"4bV5/(N&;4, )h L =J.'! 2 0bVa"/VC,,P0%1.V[XYYSWV T L()/(, 2l 2>(/QV IJ4 () C = GH 1- Co, Barbara G. and Koelzer (2004) Internet Marketing Pearson Prentice Hall, Upper Saddle River, New Jersey. 2- Cronin j. j. j r and Tay Lors. A(1992) Measuring service Quality : areeamination and etension jourual of Marketing, vol. 56 Joly. - Gron roos C. (1995) Service Management and Marketing Leington : Leington Book. 4- kotler, ph, And Armstrong G.( 2004 ) principle of Marketing Pearson Prentice Hall, upper saddle River, New Jersey. 5- Weston j, Fred, et. al, (1996) Essentials of Managerial Finance, U.S.A, the Drydn Press.
$.('!9 V ; *8*E4 "+1 +*>58% +*>5-> @*F- 7-= B!, & -!.' >(!C; '>(!<I",!;,9* ) () &4 = '9 ' -N0' $""& 7'= =)'('9 (?$/!;)#B'14 6'/!G6 =B%,)* )&(KJ?/4D6 G9!-$"0$"'1#6'/!G>(!/! A A
8*5H"7 ) (69 ) (IC ) (1 ) ( 2*) (001?* ) (C ) ( 7A) ($* ) (J*) ( * 0+"1*4 ) ( =A+) ( +) ( + +,$- &I"1*4 K*6 +"1*1 $ =% L+ (0,0," *) (" *) ( (& ) ( *25= *) G **75) ( *) =%+ () () () ( ) ( *2= *) (- ) *) (& +*>5 M*"# N.*5 O>=$A N.*5 N.* N.* O* 1 )! & 910#F0; 4 ' )'&!!" $-#<0-!! 4 ) 6;L = & "<0-!! 4 ) 6;L = ) "$!'!! 4 ) '6#
=!5"(4 $C?!!/*!+ ) # 4 =' 6'/,D0 D 4 ' ' 1?-; ='! / O! ' ( 9;,D0 590; 6'/#' +,1 $09 N.*5 O>=$A N.*5 N.* N.* O* 1 -$&9 &$-! 4-6'/(,D%9 '' -9 4 '!"/%(# +'! & ' 9& C;. #5 -'6'/!; )' 8*1 +D %9 N.*5 O>=$A N.*5 N.* N.* O* 1 1!"" I; -'6'/!; )'&Q ' * & -$&)( ; 6'/!;!; )'' CG0I; -2'6'/ ' 5 6; 9;CD :# CG5!/. += * N.*5 O>=$A N.*5 N.* N.* O* 1
+'! &?,F! 5 *" 6'/('#$-( ; 4 ' 1?,$& 5 '#I; -'#' -$&/! 4?,C, N.*5 O>=$A N.*5 N.* N.* O* 1 '6'/!; )''& I; -! 4 ' )'& 5! ; ' /)( / '?/G)1!/?/G/'#$-;&/ 4 ' 550'- 4! /I; -6'/!'* '6'/!' ') ; - C!,"C 4 -$&! 4 $/; 6'/!; )', )'' - 0 (I; -2,!'! %!! 4 ) '6# =&"' ) \ (