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                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" align="center" style="text-align: center">
                        <b><span style="font-family: Arial">MONEYLENDERS&nbsp; 
                        ORDINANCE, 1951 (CAP 176)</span></b></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">As amended by</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">ARRANGEMENT OF SECTIONS</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1. Short Title.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">2. Interpretation.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">3. Certain Persons 
                        Presumed to be Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">4. Licences to be Taken 
                        out by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">5. Penalty for Breaches 
                        of Section 4.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">6. Certificate Required 
                        for Grant of Moneylender's Licence.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">7. Procedure on 
                        Application for a Certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">8. Refusal to Grant a 
                        Certificate</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">9. Transfer of Business 
                        to other Premises.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">10. Suspension and 
                        Forfeiture of Moneylender's Certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">11. Disqualification 
                        for Making use of Forged Certificates.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">12. Form of 
                        Moneylenders' Contracts.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">13. Interest to be 
                        Charged by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">14. Rate of Interest 
                        where Sums Lent to Same Person at Various Times.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">15. Prohibition of 
                        Compound Interest and Provision as to Defaults.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">16. Apportionment 
                        Between Principal and Interest of Amounts Paid by&nbsp; 
                        Borrower.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">17. Prohibition of 
                        Charge for Expressed Loans by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">18. Employment of 
                        Agents or Canvassers by Moneylender Prohibited.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">19. Moneylenders to 
                        Give Receipts and Keep Record of Transactions.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">20. Obligation of 
                        Moneylender to Supply Information as to State of Loan 
                        and Copies of Documents Relating Thereto.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">21. Restrictions on&nbsp; 
                        Moneylending Advertisements.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">22. Notice and 
                        Information to be given on Assignment of Moneylenders 
                        Debts.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">23. Application of 
                        Ordinance as Respects Assignees.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">24. Moneylender to 
                        Produce Statement of Account in Proceedings.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">25. Inducing Borrowing 
                        by False Statements.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">26. Penalty for Taking 
                        Promissory Note in which Amount is Left Blank or not 
                        Truly Stated.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">27. Protection of 
                        Lenders against Frivolous and Vexatious Actions.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">28. Common Informers 
                        Compounding Information.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">29. Limitation of Time 
                        for Proceedings in Respect of Money Lent by 
                        Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">30. Power of Governing 
                        in Council to make Regulations.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">SCHEDULES</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule A—Calculation 
                        of interest where the interest charged on a loan is not 
                        expressed in terms of a rate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule B</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule C</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Ordinance No. 21 of 
                        1940.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">CHAPTER 176.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(Gold Coast.)</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">AN ORDINANCE RELATING 
                        TO MONEYLENDING.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Date of Commencement. 
                        [1st February, 1941.]</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 1—Short Title.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">This Ordinance may be 
                        cited as the &quot;Moneylenders Ordinance.&quot;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 
                        2—Interpretation.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">In this Ordinance, 
                        unless the context otherwise requires —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Authorised name&quot; and 
                        &quot;authorised address&quot; mean respectively the name under 
                        which and the address at which a moneylender is 
                        authorised by a certificate granted under this Ordinance 
                        to carry on business as a moneylender;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Business name&quot; means 
                        the name or style under which any business is carried 
                        on, whether in partnership or otherwise;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Company&quot; means any 
                        body corporate being a moneylender;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Firm&quot; means an 
                        unincorporate body of two or more individuals, or one or 
                        more individuals and one or more corporations, or two or 
                        more corporations, who have entered into partnership 
                        with one another with a view to carrying on business for 
                        profit;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Moneylender&quot; means and 
                        includes every person whose business is that of 
                        moneylending or who carries on or advertises or 
                        announces himself or holds himself out in any way as 
                        carrying on that business, whether or not he also 
                        possesses or owns property or money derived from sources 
                        other than the lending of money and whether or not he 
                        carries on the business as a principal or as an agent; 
                        but shall not include—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap 190.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) any society 
                        registered under the Co-operative Societies Ordinance; 
                        or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) any body corporate, 
                        incorporated or empowered by special Ordinance to lend 
                        money in accordance with such Ordinance; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) any person bona 
                        fide carrying on the business of banking or insurance or 
                        bona fide carrying on any business, not having for its 
                        primary object the lending of money, in the course of 
                        which and for the purposes whereof he lends money; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) any person or body 
                        corporate exempted from the provisions of this Ordinance 
                        by Order of the Governor in Council; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap 189. </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(e) any pawnbroker 
                        licensed under the Pawnbrokers Ordinance, where the loan 
                        is made in accordance with the provisions of the 
                        Pawnbrokers Ordinance, and does not exceed the sum of 
                        fifty pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&quot;Principal&quot; means in 
                        relation to a loan the amount actually lent to the 
                        borrower.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 3—Certain 
                        Persons Presumed to be Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Save as excepted in 
                        paragraphs (a), (b), (c), (d) and (e) of the definition 
                        of &quot;Moneylender&quot; in section 2 any person who lends money 
                        at interest or who lends a sum of money in consideration 
                        of a larger sum being repaid shall be presumed to be a 
                        moneylender until the contrary be proved.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 4—Licences to 
                        be Taken out by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Every moneylender, 
                        whether carrying on business alone or as a partner in a 
                        firm, shall take out annually in respect of every 
                        address at which he carries on his business as such, a 
                        licence ( in this Ordinance referred to as 
                        &quot;moneylender's licence&quot;) which shall expire on the 31st 
                        day of December next after it is granted, and there 
                        shall be charged for every moneylender's licence a fee 
                        of ¢2,000.00. [As amended by Moneylenders Ordinance 
                        (Amendment) Law, 1983 (PNDCL 57) s.1]</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Subject to the 
                        provisions of this Ordinance, moneylender's licences 
                        shall be in such form as the National Liberation Council 
                        may prescribe and shall be granted, on payment of the 
                        fee prescribed by subsection (1) by any public&nbsp; officer 
                        authorised by the National Liberation Council to grant 
                        them.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) A moneylender's 
                        licence shall be taken out by a moneylender in the true 
                        name of the moneylender and shall be void if it be taken 
                        out in any other name and every moneylender's licence 
                        shall also show the moneylender's authorised name and 
                        address.[As substituted by Moneylenders Ordinance 
                        (Amendment) Decree, 1966 (NLCD 88) s.1]</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 5—Penalty for 
                        Breaches of Section 4.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">If any person—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) takes out a 
                        moneylender's licence in any name other than his true 
                        name; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) carries on business 
                        as a moneylender without being in possession of a valid 
                        moneylender's licence authorising him so to do; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) being licensed as a 
                        moneylender, carries on business as such in any name 
                        other than his authorised name, or at any other place 
                        than his authorised address or addresses; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) enters into any 
                        agreement in the course of his business as a moneylender 
                        with respect to the advance or repayment of money or 
                        takes any security for money in the course of his 
                        business as a moneylender, otherwise than in his 
                        authorised name;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">he shall for each 
                        offence be liable on summary conviction—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) if other than a 
                        body corporate, to a fine not exceeding one hundred 
                        pounds and in the event of a second or subsequent 
                        conviction to imprisonment for three months or a fine of 
                        one hundred pounds or both; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) in the case of a 
                        body corporate, to a fine of one hundred pounds and in 
                        the event of a second or subsequent conviction to a fine 
                        of five hundred pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that no 
                        prosecution shall be instituted under paragraph (b) 
                        without the consent of a Law Officer</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 6—Certificate 
                        Required for Grant of Moneylender's Licence.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) A moneylender's 
                        licence shall not be granted except to a person who 
                        holds a certificate granted in accordance with the 
                        provisions of this section authorising the grant of the 
                        licence to that person, and a separate certificate shall 
                        be required in respect of every separate licence. Any 
                        moneylender's licence granted in contravention of this 
                        section shall be void.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Application for a 
                        certificate under this section (in this Ordinance 
                        referred to as a certificate) shall be made to the 
                        District Commissioner of the District in which the 
                        moneylender's business is to be carried on and may be 
                        granted or refused by such District Commissioner in 
                        accordance with the provisions of this Ordinance.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) Every certificate 
                        granted to a moneylender shall show his true name and 
                        the name under which, and the address at which, he is 
                        authorised by the certificate to carry on business as 
                        such, and a certificate shall not authorise a 
                        moneylender to carry on business at more than one 
                        address, or under more than one name, or under any name 
                        which includes the word &quot;bank&quot; or otherwise implies that 
                        he carries on banking business, and no certificate shall 
                        authorise a moneylender to carry on business under any 
                        name except—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) his true name; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) the name of a firm 
                        in which he is a partner, not being a firm required by 
                        the Registration of Business Names Ordinance, to be 
                        registered.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap. 177</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(4) A certificate shall 
                        come into force on the date specified therein, and shall 
                        expire on the thirty-first day of December next 
                        following.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(5) If any person is 
                        aggrieved by the refusal of the District Commissioner to 
                        grant a certificate, he may within one month appeal to 
                        the Governor in Council whose decision thereon shall be 
                        final and conclusive.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 7—Procedure on 
                        Application for a Certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">A person intending to 
                        apply for a certificate under this Ordinance shall, 
                        fourteen days at least before the application, give 
                        notice of his intention by registered letters sent by 
                        post to the District Commissioner of the District, and 
                        to the officer in charge of the police at the place 
                        where he proposes to carry on business, and shall in the 
                        notice set forth his name and address and the address at 
                        which he proposes to carry on his business.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 8—Refusal to 
                        Grant a Certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">A certificate shall not 
                        be refused except on one or more of the following 
                        grounds—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) that satisfactory 
                        evidence has not been produced of the good character of 
                        the applicant, and in the case of a company of the 
                        persons responsible for the management thereof;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) that satisfactory 
                        evidence has been produced that the applicant, or any 
                        person responsible&nbsp; or proposed to be responsible, for 
                        the management of his business as a moneylender, is not 
                        a fit and proper person to hold a certificate;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) that the applicant, 
                        or any person responsible or proposed to be responsible 
                        for the management of his business as a moneylender, is 
                        by order of a Court disqualified for holding a 
                        certificate;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) that the applicant 
                        is disqualified under section 11 for the grant of a 
                        moneylender's licence;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(e) that the applicant 
                        has not complied with the provisions of any regulation 
                        made with respect to applications for certificates.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 9—Transfer of 
                        Business to Other Premises.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) A moneylender shall 
                        not transfer his business to premises other than those 
                        specified in his licence, until he has notified the 
                        District Commissioner of the proposed transfer.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Any moneylender 
                        contravening the provisions of this section shall be 
                        liable to a fine not exceeding ten pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 10—Suspension 
                        and Forfeiture of Moneylender's Certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Where any person, 
                        being the holder of a certificate, is convicted of any 
                        offence under this Ordinance the Court —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) may order that any 
                        certificate held by that person, and in the case of a 
                        partner in a firm by any other partner in the firm, 
                        shall either be suspended for such time as the Court 
                        thinks fit, or shall be forfeited, and may also, if the 
                        Court thinks fit, declare any such person, or any person 
                        responsible for the management of the moneylending 
                        business carried on by the person convicted, to be 
                        disqualified for obtaining a certificate for such time 
                        as the Court thinks fit; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) shall cause 
                        particulars of the conviction and of any order made by 
                        the Court under this subsection to be endorsed on every 
                        certificate held by the person convicted or by any other 
                        person affected by the order, and shall cause copies of 
                        those particulars to be sent to the authority by whom 
                        any certificate so endorsed was granted, and to the 
                        Commissioner of Police:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that, where by 
                        order of a Court a certificate held by any person is 
                        suspended or forfeited, or any person is disqualified 
                        for obtaining a certificate, he may, whether or not he 
                        is the person convicted, appeal against the order in the 
                        same manner as any person convicted may appeal against 
                        his conviction, and the Court may, if it thinks fit, 
                        pending the appeal, defer the operation of the order.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Any certificate 
                        required by a Court for endorsement in accordance with 
                        the foregoing provisions of this section shall be 
                        produced, in such manner and within such time as may be 
                        directed by the Court, by the person by whom it is held, 
                        and any person who, without reasonable cause, makes 
                        default in producing any certificate so required shall, 
                        in respect of each offence, be liable to a fine not 
                        exceeding one pound for each day during which the 
                        default continues.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) Where a certificate 
                        held by any person is ordered to be suspended or to be 
                        forfeited under the foregoing provisions of this 
                        section, any moneylender's licences granted to that 
                        person, whether in pursuance of that or any other 
                        certificate, shall be suspended during the period for 
                        which the certificate is ordered to be suspended or 
                        become void, as the case may be.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 
                        11—Disqualification for Making use of Forged 
                        Certificates.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">A licence granted in 
                        pursuance of a forged certificate shall be void; and if 
                        any person makes use of a forged certificate, knowing it 
                        to be forged, he shall be disqualified for the grant of 
                        a moneylender's licence at any time thereafter.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 12—Form of 
                        Moneylenders' Contracts.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) No contract by a 
                        borrower or his agent for the repayment or securing of 
                        money lent to the borrower or to any agent on his behalf 
                        by a moneylender or for the payment by the borrower or 
                        by any agent on his behalf of interest on money so lent 
                        and no security given by the borrower or by any such 
                        agent as aforesaid in respect of any such contract shall 
                        be enforceable, unless a memorandum in writing of the 
                        contract be made and signed by the parties to the 
                        contract or their respective agents, or in the case of a 
                        loan to a firm, by a partner in or agent of the firm, 
                        and unless a copy of such memorandum be delivered or 
                        sent by post to the borrower or his agent within seven 
                        days of its having been so signed and certified; and no 
                        such contract or security shall be enforceable if it is 
                        proved that the memorandum aforesaid was not signed by 
                        the borrower before the money was lent or before the 
                        security was given as the case may be:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided always that, 
                        where a security is given to secure an immediate loan 
                        and subsequent loans, the security shall be enforceable 
                        in respect of any subsequent loan thereby secured if the 
                        note or memorandum in respect of such subsequent loan be 
                        signed and delivered to the borrower before the money 
                        shall be lent.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) In this section the 
                        expression &quot;borrower&quot; includes a surety.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) The memorandum 
                        aforesaid shall contain all the terms of the contract, 
                        and in particular shall show separately and distinctly—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) the date on which 
                        the loan is made;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) the amount of the 
                        principal of the loan; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) the rate of 
                        interest per centum per annum, payable in respect of the 
                        loan or, where the interest is not expressed in terms of 
                        a rate per centum per annum, the amount of such 
                        interest.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">All dates and numbers 
                        shall be written in English numerals notwithstanding 
                        that they are also written in any other way.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 13—Interest to 
                        be Charged by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Where, in any 
                        proceedings in respect of any money lent by a 
                        moneylender or by any person other than a moneylender 
                        after the commencement of this Ordinance, or in respect 
                        of any agreement or security made or taken after the 
                        commencement of this Ordinance in respect of money lent 
                        either before or after the commencement of this 
                        Ordinance, it is found that —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) on a loan secured 
                        by a first charge on any real or personal property, or 
                        by the indemnity or personal guarantee of a third party, 
                        the interest exceeds the rate of 15 per cent per annum 
                        for the first £500 or part thereof or 12½ per cent on 
                        any amount in excess of £500; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) on a loan secured 
                        by a second charge on any real or personal property, the 
                        interest exceeds the rate of 17½ per cent per annum for 
                        the first £500 or part thereof or 15 per cent per annum 
                        on any amount in excess of £500; or</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) on an unsecured 
                        loan the interest exceeds the rate of 30 per cent per 
                        annum</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap. 175.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">or the corresponding 
                        rate in respect of any other period, the Court, 
                        notwithstanding any native law or custom to the 
                        contrary, shall, unless the contrary is proved, presume 
                        for the purposes of section 3 of the Loans Recovery 
                        Ordinance, that the interest charged is excessive and 
                        that the transaction is harsh and unconscionable, but 
                        this provision shall be without prejudice to the powers 
                        of the Court under that section where the Court is 
                        satisfied that the interest charged, although not 
                        exceeding the rates mentioned in this section, is 
                        excessive.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap 175.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Where a Court 
                        reopens a transaction of a moneylender under the said 
                        section 3 of the Loans Recovery Ordinance, the Court may 
                        require the moneylender to produce any certificate 
                        granted to him in accordance with the provisions of this 
                        Ordinance, and may cause such particulars as the Court 
                        thinks desirable to be endorsed on any such certificate, 
                        and a copy of the particulars to be sent to the 
                        authority by whom the certificate was granted.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Cap 175.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) The powers of a 
                        Court under the said subsection (3) of section 1 of the 
                        Loans Recovery Ordinance may be exercised 
                        notwithstanding that the moneylender's right of action 
                        for the recovery of the money lent is barred.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 14—Rate of 
                        Interest where Sums Lent to Same Person at Various 
                        Times.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) If several sums are 
                        loaned to the same person, whether at the same or 
                        different times, the rate of interest on the aggregate 
                        sum loaned, or owing at the date the last sum is loaned, 
                        shall be the rate of interest for the purposes of 
                        section 13 as if the whole amount then owing had been 
                        loaned as one transaction.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) The interest shall 
                        constitute a comprehensive charge to include all 
                        discounts, commissions, bonuses, fines, expenses, and 
                        any amount by whatsoever name called, in excess of the 
                        principal, paid or payable to the lender in 
                        consideration of or otherwise in respect of a loan, but 
                        shall not include charges, expenses or costs in respect 
                        of —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) stamp duties;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) registration of any 
                        document in accordance with the provisions of any law;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) preparation of any 
                        document by a qualified legal practitioner;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) investigation of 
                        title to any property;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(e) insurance on 
                        property;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(f) obtaining a copy of 
                        the record of the judgment of any&nbsp; Court;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(g) inspection of any 
                        property by the mortgagee prior to the mortgage; </span>
                        </p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">or any costs 
                        specifically allowed by any court before which the 
                        matter may come for adjudication.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 15—Prohibition 
                        of Compound Interest and Provision as to Defaults.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Subject as 
                        hereinafter provided, any contract made after the 
                        commencement of this Ordinance for the loan of money by 
                        a moneylender shall be illegal in so far as it provides 
                        directly or indirectly for the payment of interest in 
                        advance whether by deduction of any amount from the 
                        principal sum borrowed or otherwise, or for the payment 
                        of compound interest on the loan or for the rate or 
                        amount of interest being increased by reason of any 
                        default in the payment of sums due under the contract:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that provision 
                        may be made by any such contract that if default is made 
                        in the payment upon the due date of any sum payable to 
                        the moneylender under the contract, whether in respect 
                        of principal or interest, the moneylender shall be 
                        entitled to charge simple interest on that sum from the 
                        date of the default until the sum is paid, at a rate not 
                        exceeding the rate payable in respect of the principal 
                        apart from any default, and any interest so charged 
                        shall not be reckoned for the purposes of this section 
                        as part of the interest charged in respect of the loan.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Any moneylender 
                        contravening the provisions of this section shall be 
                        liable to fine not exceeding fifty pounds in respect of 
                        each such loan.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 
                        16—Apportionment Between Principal and Interest of 
                        Amounts Paid by&nbsp; Borrower.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Where by a contract 
                        for the loan of money by a moneylender the interest 
                        charged on the loan is not expressed in terms of a rate, 
                        any amount paid or payable to the moneylender under the 
                        contract other than simple interest shall be 
                        appropriated to principal and interest in the proportion 
                        that the principal bears to the total amount of the 
                        interest.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Method of Calculating 
                        Rate of Interest when not expressed in terms of a Rate.&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule A.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule B.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Where the interest 
                        charged on a loan of money is not expressed in terms of 
                        a rate per centum per annum the rate of interest per 
                        centum per annum charged on the loan shall be calculated 
                        in accordance with the provisions of Schedule A or, 
                        where the contract provides for the payment of equal 
                        instalments of principal and interest at equal intervals 
                        of time, in accordance with the formula given in 
                        Schedule B.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 17—Prohibition 
                        of Charge for Expressed Loans by Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Any agreement between a 
                        moneylender and a borrower or intending borrower for the 
                        payment by the borrower or intending borrower to the 
                        moneylender of any sum on account of costs, charges or 
                        expenses incidental to or relating to the negotiations 
                        for or the granting of the loan or proposed loan shall 
                        be illegal, and if any sum is paid to such moneylender 
                        by a borrower or intending borrower for or on account of 
                        any such costs, charges or expenses that sum shall be 
                        recoverable as a debt due to the borrower or intending 
                        borrower, or, in the event of the loan being completed, 
                        shall, if not so recovered, be set off against the 
                        amount actually lent and that amount shall be deemed to 
                        be reduced accordingly:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that the 
                        provisions of this section shall not apply to the 
                        charges, expenses and costs specified in section 14 (2) 
                        as charges, expenses and costs excluded from those 
                        constituting interest.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 18—Employment 
                        of Agents or Canvassers by Moneylender Prohibited.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) No moneylender or 
                        any person acting on behalf of a moneylender shall 
                        employ any agent or canvasser for the purpose of 
                        inviting any person to borrow money or to enter into any 
                        transaction involving the borrowing of money from such 
                        moneylender, and no person shall act as such agent or 
                        canvasser, or demand or receive directly or indirectly 
                        any sum or other valuable consideration by way of 
                        commission or otherwise for introducing or undertaking 
                        to introduce to a moneylender any person desiring to 
                        borrow money.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Any contract by the 
                        borrower to pay to an agent or canvasser of a 
                        moneylender a commission for obtaining a loan shall be 
                        null and void, and if any sum has been paid by way of 
                        commission or otherwise for such service, the agent or 
                        canvasser shall be liable to a fine not exceeding twenty 
                        pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 19—Moneylenders 
                        to Give Receipts and Keep Record of Transactions.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Every moneylender 
                        shall give a receipt for every payment made to him on 
                        account of a loan or of interest thereon.&nbsp; Every such 
                        receipt shall be given immediately the payment is made.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Every moneylender 
                        shall keep a book (which shall be securely bound and 
                        paged so that leaves cannot be removed or inserted 
                        without apparent damage) in which he shall enter in 
                        connection with every loan made by him —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) the date on which 
                        the loan was made;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) the amount of the 
                        principal;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) the rate of 
                        interest;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) all sums received 
                        in respect of the loan or the interest thereon, with the 
                        dates of payment thereof </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">and shall produce such 
                        book when required to do so by any Court.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) The entries in the 
                        said book shall be made forthwith on the making of the 
                        loan or the receipt of sums paid in respect thereof as 
                        the case may be.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(4) Any moneylender who 
                        fails to comply with any of the requirements of this 
                        section shall not be entitled to enforce any claim in 
                        respect of any transaction in relation to which the 
                        default shall have been made.&nbsp; He shall also be guilty 
                        of an offence under this Ordinance and shall be liable 
                        to a fine not exceeding ten pounds or in the case of a 
                        continuing offence to a fine not exceeding five pounds 
                        for each day or part of a day during which such offence 
                        continues.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 20—Obligation 
                        of Moneylender to Supply Information as to State of Loan 
                        and Copies of Documents Relating Thereto.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) In respect of every 
                        contract for the repayment of money lent by a 
                        moneylender (whether made before or after the 
                        commencement of this Ordinance) the moneylender shall, 
                        on any reasonable demand in writing being made by the 
                        borrower at any time during the continuance of the 
                        contract and on tender by the borrower of the sum of one 
                        shilling for expenses, supply to the borrower, or, if 
                        the borrower so requires, to any person specified in 
                        that behalf in the demand, a statement signed by the 
                        moneylender or his agent showing—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) the date on which 
                        the loan was made, the amount of the principal of the 
                        loan and the rate per centum per annum of interest 
                        charged; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) the amount of any 
                        payment already received by the moneylender in respect 
                        of the&nbsp; loan or the interest thereon and the date on 
                        which it was made; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) the amount of every 
                        sum due to the moneylender, but unpaid, and the date 
                        upon which it became due, and the amount of interest 
                        accrued due and unpaid in respect of every such sum; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) the amount of every 
                        sum not yet due which remains outstanding, and the date 
                        upon which it will become due. </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Schedule C</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">A statement of account 
                        in the form in Schedule C shall be deemed to comply with 
                        the requirements of this subsection.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) A moneylender 
                        shall, on any reasonable demand in writing by the 
                        borrower, and on tender of a reasonable sum for 
                        expenses, supply a copy of any document relating to a 
                        loan made by him or any security therefor, to the 
                        borrower, or if the borrower so requires, to any person 
                        specified in that behalf in the demand.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) If a moneylender to 
                        whom a demand has been made under this section fails 
                        without reasonable excuse to comply therewith within one 
                        month after the demand has been made, he shall not, so 
                        long as the default continues, be entitled to sue for or 
                        recover any sum due under the contract on account either 
                        of principal or interest, and interest shall not be 
                        chargeable in respect of the period of the default, and 
                        if such default is made or continued after proceedings 
                        have ceased to lie in respect of the loan, the 
                        moneylender shall be liable to a fine not exceeding one 
                        pound for every day on which the default continues.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 21—Restrictions 
                        on&nbsp; Moneylending Advertisements.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) No person shall 
                        knowingly send or deliver or cause to be sent or 
                        delivered to any person except in response to his 
                        written request any circular or other document 
                        advertising the name, address or telephone number of a 
                        moneylender, or containing an invitation—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) to borrow money 
                        from a moneylender;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) to enter into any 
                        transaction involving&nbsp; the borrowing of money from a 
                        moneylender;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) to apply to any 
                        place with a view to obtaining information or advice as 
                        to borrowing any money from a moneylender.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Subject as 
                        hereinafter provided, no person shall publish or cause 
                        to be published in any newspaper or other printed paper 
                        issued periodically for public circulation, or by means 
                        of any poster or placard, an advertisement advertising 
                        any such particulars, or containing any such invitation, 
                        as aforesaid:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that an 
                        advertisement by a moneylender licensed under this 
                        Ordinance may be published by or on behalf of a 
                        moneylender in any newspaper or other printed paper 
                        issued periodically for public circulation or by means 
                        of any poster or placard exhibited at an authorised 
                        address of the moneylender if it contains no particulars 
                        other than the following —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) the name under 
                        which the moneylender is authorised by the certificate 
                        granted under section 6 to carry on business; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) any authorised 
                        address at which the moneylender carries on business and 
                        the telegraphic address and telephone number thereof; 
                        and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) any address at 
                        which he formerly carried on&nbsp; business; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) a statement that he 
                        lends money with or&nbsp; without security; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(e) a statement of the 
                        highest and lowest sums that he is prepared to lend; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(f) a statement of the 
                        date on which the business carried on by him was first 
                        established.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) Where any document 
                        issued or published by or on behalf of a moneylender 
                        purports to indicate the terms of interest upon which he 
                        is willing to make loans or any particular loan, the 
                        document shall either express the interest proposed to 
                        be charged in terms of a rate per centum per annum or 
                        show the rate per centum per annum represented by the 
                        interest proposed to be charged as calculated in 
                        accordance with the provisions of Schedule A or B.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(4) Any person acting 
                        in contravention of any of the provisions of this 
                        section shall be liable to imprisonment for three months 
                        or to a fine of fifty pounds or to both such 
                        imprisonment and fine.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(5) Where it is shown 
                        that a moneylending transaction was brought about by a 
                        contravention of any of the provisions of this section, 
                        the transaction shall be illegal, unless the moneylender 
                        proves that the contravention occurred without his 
                        consent or connivance.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 22—Notice and 
                        Information to be given on Assignment of Moneylenders 
                        Debts.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Where any debt in 
                        respect of money lent by a moneylender, whether before 
                        or after the commencement of this Ordinance, or in 
                        respect of interest on any such debt or the benefit of 
                        any agreement made or security taken in respect of any 
                        such debt or interest is assigned to any assignee, the 
                        assignor (whether he is the moneylender by whom the 
                        money was lent or any person to whom the debt has been 
                        previously assigned) shall, before the assignment is 
                        made —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) give to the 
                        assignee notice in writing that the debt, agreement or 
                        security is affected by the operation of this Ordinance; 
                        and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) supply to the 
                        assignee all information necessary to enable him to 
                        comply with the provisions of this Ordinance relating to 
                        the obligation to supply information as to the state of 
                        loans and copies of documents relating thereto; </span>
                        </p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">and any person acting 
                        in contravention of any of the provisions of this 
                        section shall be liable to indemnify any other person 
                        who is prejudiced by the contravention, and shall also 
                        in respect of each offence be liable to imprisonment for 
                        a term not exceeding six months or to a fine not 
                        exceeding one hundred pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) In this section the 
                        expression &quot;assigned&quot; means assigned by any assignment 
                        inter vivos other than an assignment by operation of 
                        law, and the expressions &quot;assignor&quot; and &quot;assignee&quot; have 
                        corresponding meanings.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 23—Application 
                        of Ordinance as Respects Assignees.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Subject as 
                        hereinafter provided, the provisions of this Ordinance 
                        shall continue to apply to any debt to a moneylender in 
                        respect of money lent by him after the commencement of 
                        this Ordinance or in respect of interest on money so 
                        lent or of the benefit of any agreement made or security 
                        taken in respect of any such debt or interest, 
                        notwithstanding that the debt or benefit of the 
                        agreement or security may have been assigned to any 
                        assignee, and, except where the context otherwise 
                        requires, references in this Ordinance to a moneylender 
                        shall accordingly be construed as including any such 
                        assignee as aforesaid:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that 
                        notwithstanding anything in this Ordinance—</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(i) any agreement with, 
                        or security taken by, a&nbsp; moneylender in respect of money 
                        lent by him after the commencement of this Ordinance 
                        shall be valid in favour of any bona fide assignee or 
                        holder for value without notice of any defect due to the 
                        operation of this Ordinance and of any person deriving 
                        title under him; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(ii) any payment or 
                        transfer of money or property made bona fide by any 
                        person, whether acting in a fiduciary capacity or 
                        otherwise, on the faith of the validity of any such 
                        agreement or security, without notice of any such defect 
                        shall, in favour of that person, be as valid as it would 
                        have been if the agreement or security had been valid; 
                        and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(iii) the provision of 
                        this Ordinance limiting the time for proceedings in 
                        respect of money lent shall not apply to any proceedings 
                        in respect of any such agreement or security commenced 
                        by a bona fide assignee or holder for value without 
                        notice that the agreement or security was affected by 
                        the operation of this Ordinance, or by any person 
                        deriving title under him;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">but in every such case 
                        the moneylender shall be liable to indemnify the 
                        borrower or any other person who is prejudiced by virtue 
                        of this section and nothing in this proviso shall render 
                        valid an agreement or security in favour of, or apply to 
                        proceedings commenced by, an assignee or holder for 
                        value who is himself a moneylender.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Nothing in this 
                        section shall render valid for any purpose any 
                        agreement, security, or other transaction which would, 
                        apart from the provisions of this Ordinance, have been 
                        void or unenforceable.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 24—Moneylender 
                        to Produce Statement of Account in Proceedings.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Where proceedings 
                        are taken in any Court by any person for the recovery of 
                        any money lent, or the enforcement of any agreement or 
                        security made or taken in respect of money lent, the 
                        plaintiff shall produce a statement of&nbsp; his account as 
                        prescribed in section 20.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Power of Court to 
                        Determine Contract.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Where in any such 
                        proceedings there is evidence which satisfies the Court 
                        that default in payment of any sum due to the plaintiff 
                        under a contract for the loan of money has been made by 
                        the borrower and it is proved that any further amount is 
                        outstanding under the contract but not yet due, the 
                        Court may determine the contract and order the principal 
                        outstanding to be paid to the plaintiff with such 
                        interest thereon, if any, as the Court may allow up to 
                        the date of payment.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Application to all 
                        Moneylending Transactions.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3) The foregoing 
                        provisions of this section shall apply to any 
                        transaction which, whatever its form may be, is 
                        substantially one of moneylending.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Bona Fide Assignee.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(4) Nothing in the 
                        foregoing provisions of this section shall affect the 
                        rights of any bona fide assignee or holder for value 
                        without notice.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Existing Powers of 
                        Court.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(5) Nothing in this 
                        section shall be construed as derogating from the 
                        existing powers or jurisdiction of any Court.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 25—Inducing 
                        Borrowing by False Statements.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">If any moneylender, or 
                        any person being a manager, agent or clerk of a 
                        moneylender, or a director, manager or other officer of 
                        any corporation carrying on the business of a 
                        moneylender by any false, misleading, or deceptive 
                        statement, representation, or promise, or by any 
                        dishonest concealment of material facts, fraudulently 
                        induces or attempts to induce any person to borrow money 
                        or to agree to the terms on which money is or is to be 
                        borrowed, shall be liable to imprisonment for any term 
                        not exceeding six months, or to a fine not exceeding one 
                        hundred pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 26—Penalty for 
                        Taking Promissory Note in which Amount is Left Blank or 
                        not Truly Stated.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Any moneylender who 
                        shall take as security for any loan, a promissory note 
                        or other contract for the repayment of money lent in 
                        which the principal is to the knowledge of the lender 
                        not truly stated, or is left blank, shall be guilty of 
                        an offence, and shall be liable to a fine not exceeding 
                        one hundred pounds or in the event of a second or 
                        subsequent conviction to imprisonment for three months 
                        or a fine of one hundred pounds or both:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that if the 
                        offender be a body corporate that body corporate shall 
                        be liable on summary conviction for a second or 
                        subsequent offence to a fine of five hundred pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) Every such 
                        promissory note or other contract in respect of which an 
                        offence has been committed under this section shall, 
                        subject to the provisions of section 23, be void and 
                        unenforceable.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 27—Protection 
                        of Lenders Against Frivolous and Vexatious Actions.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) In any civil 
                        proceedings in which a borrower pleads any of the 
                        provisions of this Ordinance (whether in any plaint, 
                        defence, or other pleading, or in any affidavit or 
                        application for the purpose of obtaining leave to defend 
                        any action) if the Court is satisfied that such plea was 
                        not made in good faith, but was made for the purpose of 
                        delaying or harassing the moneylender, the Court may, in 
                        addition to any penalties incurred under any other law, 
                        order such borrower to pay for the benefit of the 
                        moneylender a sum not exceeding five pounds by way of 
                        compensation and the costs incurred by the moneylender 
                        in the proceeding to such an amount as shall be 
                        determined by the Court, and every such sum so ordered 
                        to be paid shall be added to the amount of the judgment 
                        recoverable by the moneylender.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2) In any criminal 
                        proceeding instituted against a moneylender for a breach 
                        of any provision of this Ordinance, if the Court is 
                        satisfied that the charge was made maliciously, 
                        frivolously, or vexatiously, it may direct that a sum 
                        not exceeding five pounds by way of compensation and the 
                        costs of the accused to such an amount as shall be 
                        determined by the Court shall be paid by the informer or 
                        complainant, and any amount so ordered to be paid shall 
                        be recoverable for the benefit of the accused in the 
                        same manner as a fine imposed by the Court.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 28—Common 
                        Informers Compounding Information.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">If any person lays a 
                        complaint for an offence alleged to have been committed 
                        against this Ordinance by which he was not personally 
                        aggrieved, and afterwards directly or indirectly 
                        receives, without the permission of a Court, any sum of 
                        money or other reward for compounding, delaying, or 
                        withdrawing the complaint, he shall for such offence be 
                        liable to a fine not exceeding fifty pounds.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 29—Limitation 
                        of Time for Proceedings in Respect of Money Lent by 
                        Moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">No proceedings shall 
                        lie for the recovery by a moneylender of any money lent 
                        by him after the commencement of this Ordinance, or of 
                        any interest in respect thereof, or for the enforcement 
                        of any agreement made or security taken after the 
                        commencement of this Ordinance in respect of any loan 
                        made by him, unless the proceedings are commenced before 
                        the expiration of twelve months from the date on which 
                        the cause of action accrued:</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Provided that —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(a) if during the 
                        period of twelve months aforesaid or at any time within 
                        any subsequent period during which proceedings may by 
                        virtue of this proviso be brought, the debtor 
                        acknowledges in writing the amount due and gives a 
                        written undertaking to the moneylender to pay that 
                        amount, proceedings for the recovery of the amount due 
                        may be brought at any time within a period of twelve 
                        months from the date of the acknowledgment and 
                        undertaking;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(b) the time limited by 
                        the foregoing provisions of&nbsp; this section for the 
                        commencement of proceedings shall not begin to run in 
                        respect of any payments from time to time becoming due 
                        to a moneylender under a contract for the loan of money 
                        until a cause of action accrues in respect of the last 
                        payment becoming due under the contract;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(c) if at the date on 
                        which the cause of action accrues or on which any such 
                        acknowledgment and undertaking as aforesaid is given by 
                        the debtor, the person entitled to take the proceedings 
                        is non compos mentis, the time limited by the foregoing 
                        provisions of this section for the commencement of 
                        proceedings shall not begin to run until that person 
                        ceases to be non compos mentis or dies, whichever first 
                        occurs; and</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(d) if at the date on 
                        which the cause of action accrues or on which any such 
                        acknowledgment and undertaking as aforesaid is given by 
                        the debtor, the debtor is not in the Gold Coast, the 
                        time limited by the foregoing provisions of this section 
                        for the commencement of proceedings shall not begin to 
                        run until he returns to the Gold Coast.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Section 30—Power of 
                        Governing in Council to make Regulations.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">The Governor in Council 
                        may make regulations —</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(1) Prescribing the 
                        procedure to be followed in making applications for 
                        certificates.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(2)&nbsp; Prescribing the 
                        form of notices to be given of intention to make 
                        application for certificates.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(3)&nbsp; Prescribing the 
                        form of the certificate.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(4) Prescribing the 
                        form of moneylender's licence.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(5)&nbsp; Regulating the 
                        issue of licences to moneylenders.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(6) Establishing a 
                        Registry Office for the registration of licences issued 
                        under the Ordinance.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(7) Appointing a 
                        Registrar of Moneylenders and such assistants to the 
                        Registrar as may be necessary.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(8) Providing for the 
                        supply of information to the Registrar of Moneylenders 
                        relating to the issue, suspension and cancellation of 
                        licences and the disqualification of any person from&nbsp; 
                        holding a licence.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(9)&nbsp; Providing for the 
                        supply to any person of an extract of any particulars 
                        registered in the Registry and prescribing the fees to 
                        be paid therefor.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(10) Generally for the 
                        better carrying into effect of&nbsp; the purposes of this 
                        Ordinance.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">SCHEDULES.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">SCHEDULE A.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;(Sections 16 and 
                        21(3).)</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">CALCULATION OF INTEREST 
                        WHERE THE INTEREST CHARGED ON A LOAN IS NOT EXPRESSED IN 
                        TERMS OF A RATE.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1. The amount of 
                        principal outstanding at any time shall be taken to be 
                        the balance remaining after deducting from the principal 
                        the total of the portions of any payments appropriated 
                        to principal in accordance with the provisions of this 
                        Ordinance.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">2. The several amounts 
                        taken to be outstanding by way of principal during the 
                        several periods ending on dates on which payments are 
                        made, shall be multiplied in each case by the number of 
                        calendar months during which those amounts are taken to 
                        be respectively outstanding, and there shall be 
                        ascertained the aggregate amount of the sum so produced.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">3. The total amount of 
                        the interest shall be divided by one-twelfth part of the 
                        aggregate amount mentioned in paragraph 2 of this 
                        Schedule, and the quotient, multiplied by one hundred, 
                        shall be taken to be the rate of interest per centum per 
                        annum.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">4. If having regard to 
                        the intervals between successive payments it is desired 
                        so to do, the calculation of interest may be made by 
                        reference to weeks instead of months, and in such case 
                        the foregoing paragraph shall have effect as though in 
                        paragraph 2 the word &quot;weeks&quot; were substituted for the 
                        words &quot;calendar months&quot;, and in paragraph 3 the words 
                        &quot;one-fifty-second&quot; were substituted for the words 
                        &quot;one-twelfth.&quot;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">5. Where any interval 
                        between successive payments is not a number of complete 
                        weeks or complete months, the foregoing paragraphs shall 
                        have effect as though one day were one-seventh part of a 
                        week or one-thirtieth part of a month, as the case may 
                        be.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">SCHEDULE B.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(Sections 16 and 
                        21(3).)</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Formula to be used to 
                        find the rate per centum per annum where no rate is 
                        stated, and repayment is to be made by equal instalments 
                        at equal intervals of time.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">100 x I x 24</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">N + I x P x L</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Where I = Total 
                        interest repayable</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">N = Number of 
                        instalments</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">P = Principal</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">L = Number of calendar 
                        months in the intervals between instalments.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">SCHEDULE C.</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">(Section 20).</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;TABLE 1.—PRINCIPAL AND 
                        INTEREST—SUBSECTION 1 (a).</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Principal.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date 
                        lent.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Rate per cent per annum or the amount of 
                        interest.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;&nbsp; £</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1.&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.&nbsp;&nbsp;&nbsp;&nbsp; 
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">TABLE 
                        2—REPAYMENT—SUBSECTION 1 (b).</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Amount repaid.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
                        Amount of Interest paid.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date due.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>
                        </p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp; £</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;s.&nbsp;&nbsp;&nbsp; &nbsp; 
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;£&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; s.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
                        &nbsp;&nbsp;&nbsp;d.&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">TABLE 3—AMOUNT OF 
                        ARREARS—SUBSECTION 1 (c).</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Principal.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date 
                        Due.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date due.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>
                        </p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp; £</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; s.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 
                        d.&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;£ &nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;s.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 
                        d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">TABLE 4—SUMS NOT YET 
                        DUE—SUBSECTION 1 (d).</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">Principal.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date 
                        due.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date due.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>
                        </p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;&nbsp; £</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">1. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;s.&nbsp;&nbsp;&nbsp; &nbsp; 
                        &nbsp;&nbsp;&nbsp;d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; £&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; s.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; 
                        d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">
                        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                        </span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">ssity of a writing by 
                        the operat</span></p>
                        <p class="MsoNormal" style="text-align: justify">
                        <span style="font-family: Arial">&nbsp;</span></p>
                        <p align="center">
                        &nbsp;</td>
                      </tr>
                    </table>
                    </td>
                </tr>
                <tr>
                                            <td vAlign="top" align="left" width="728" height="64">
                                              <p>&nbsp;</td>
                </tr>
              </tbody>
            </table>
