banking laws and jurisprudence reviewer[1]
TRANSCRIPT
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
1/81
$,30/,40041,03/4,
$$!#&170343,3/1703'3.03943
%8#0;00782,/0-
%$###$%$%
$&$%##$%$
%45. !,0
,5907,38,3/:8308841,33
,59077,3,943,3,02039 /23897,9431,38
,590705489:3.94381,38
,59073;089203984,38,3/907,3:3.9438
,5907!74-90/%7,38,.9438,3/088,9431,33:83088
,59074703,38,3/%7:89507,9438
%#'#,5907 ,5907%0,34$0397,3!53,8
,5907:7703.4309,7$9,-,943,3/:3.943841$! ,5907&3.,20/,,3.08,3/%7:89#0.0598
,59070548938:7,3.0
,590739430,:3/073
,5907$50.,!:75480'0.0
$'#,5907
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
2/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%#,38,3/:8308841,330.,7,943 41 90 89,90 9 70,7/8 94-,33
70.430 ;9, 740 41 90 -,38 94 574;/0
03;7432039 .43/:.;0 94/0;0452039 413,943,
0.43424 9 ,84 89,908 9,9 -,38 300/
89,3/,7/84139079,3/5071472,3.0
,38 039908 03,0/ 3 90 03/3 41 1:3/8
4-9,30/ 3 90 1472 41 /054898 -47743
03/38,100053
,38 2, 03,0 3 4907 ,.9;908 ,40/ -
90,49079,303/3,9:7041,33:83088
0-94770/947 #0,94385
98,.4397,.9414,3,3/349/054894397,.9-09003-,3,3//05489478
4;0730/ -90574;8438 419043
82504,34384/,90/,3,3/%7:89
475;8
/:.,7/:9
/:.,7 70,94385 -,38 4-,943
94 4-807;0 89,3/,7/ 41 39079 ,3/
5071472,3.0 !,33475;8
49,97:89,7002039
9 8 349 , 97:89 ,7002039,3/ 1,:70 94
5,,4,38349,-70,.4197:89
9 8 349 , 97:89 ,7002039 -0.,:80 -,38
/4349,..059/054898 94037./05489478
-:9940,7314790280;08
3/85038,-0 3899:943
,8,;9,74030.4342.10
$31.,3.041-,333899:94394
.42207.,97,38,.94380974549,3
,3%7:894;8,-4
2570880/95:-.3907089
,85:-. 3907089-0.,:8050450/0503/
439043089,3/011.03.41-,38
$9,-9 41-,38 ,70 /0503/8 43 90
.431/03.041905045039043089
,3/011.03.41-,38
070041/03.0
03.0 079,39,941,44/1,907
92:89-0097,47/3,7/03.0
3$2039073,943, ;890-,38
:3/074-,94394970,990,..4:3984198
/05489478 9 209.:4:8 .,70 ,3/
,,8 ,;0 3 23/ 90 1/:.,7 3,9:70
41-,38
49 034: 9,9 0 00790/ 70,843,-0
/03.0 94 ,8.079,3 90 8,109 41 8
.0398$:. /03.0 8 43 706:70/ 3 98
1/:.,7 70,94385 9 98 /05489478
,3/ 349 94 4907 97,38,.9438 8:. ,8 8,0
41147030.,30/02,3//7,19
$0. 41 5708.7-08 90 89,9:947
/03.0 706:70/ 1742 -,38
89,3/,7/8 41 39079,3/5071472,3.0 3
807;398/05489478
03.0 706:70/ 41-,38 82470 9,3
9,941,44/1,907!42;8
03.0 0903/8 94 13,3., 3899:94380$$
%70,9203941,..4:3989209.:4:8.,70
:89 970,9 0;07 ,..4:39 9 :92489
1/0970,7/08841,24:39
%070 8 34 , 2,3/,93-,38 94 .,
:5 907 .0398 030;07 , 831.,39
,24:39 8, -0 9/7,3 1742 907
,..4:39
:99400570.47/8
,38,703497,9:94:8-,008
,38349050.90/94-031,-0
40;07 90 2:89 -0,7 90 488 147 349
/8.4;073 289,08 1 9070 ,70
089,-80/574.0/:7083491440/
0,397089070/,3/8
0307, #:0 2479,00 .,370 43990
,3//408349300/943;089,901:7907
.059432479,00.,3349.480 8
008 94 1,.98 . 84:/ 5:9 ,
70,843,-0 2,3 43 8 :,7/ ,3/ 09
.,29,908344/1,9
9-,333899:9438 2070 70,3.0
43 90 990 8 349 034: ,8 90 300/ 943;089,90,84
4.9730 41902479,00344/ 1,9
, 5078438 /0,3 9 5745079
.4;070/ - 90 %477038 0791.,908 41
%90 ,70 349 706:70/ 94 4 -043/ ,9
,550,78 43 90 1,.0 41 90 990 ,;90
0;0452039,3;8$54:8082
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
3/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
%0-:830884, -,38430,110.90/9
5:-. 3907089 147. 70,843 0 -,3
84:/ :,7/ ,,389 488 /:0 94
3003.0 47-,/1,9 $58203,3 ;8
!
070 90 2479,00 /408 349 /70.9/0, 9 90 7089070/ 4307 41 70,
5745079 90,706:708 07/0700 41
57:/03.0 -0 007.80/ - 90 2479,00
-,/;8:2-,
,382,0.:/0507843839075702808
,7339070891474,38
9 8 .438/070/ 90 ;07 .470 41 90
-,338;0708903.0,-9147.984111.078,3/254008
-,38 ,-0 147 90 7431: ,.98 41 98411.078/43039039070894190-,347/0,38
,8-,3705708039,9;08 -:9349147 ,.984:98/090
8.45041907,:9479 003.0 41,3,07 025407 8,-094 90
,.9841902,3,07
003.0 41411.07 0307, 7:0 94794:8 ,.98
41411.078 93 907 8.4504102542039 8,
2,0-,38,-0
003.0 4190078 90078 2:89 007.80
/070041/03.0
%007 84:/ 349;05,88-44 94743
507843,8,5078433548808843 41
5,88-4485708:20/904307
557457,94341 /054890/ 2430 - 90
9007 8349 089,1, -:9 .438/070/ ,89019
,890 .039 43 ,/ 2,907, 548808843
419 $:./05489 2430 ,70 .438/070/
430/-90-,3
#99470.4;0717420254008
,-9147/,2,08
.9:,0025,7 247,
.9:, ,3/.425038,947 90 3907089/:0 8,9801 0,73 3907089 174290920
98:/.,/02,3/0/
0, 3907089 03 :/2039
-0.420813,,3/00.:947
3907089 147 4-,9438 349
.43899:93 , 4,3 47 147-0,7,3.0 41
2430
47,/,2,08
03 #:0,.47547,943 834903990/
94247,/,2,08
.05943 03 9844/ 705:9,943 8
-0827.0/--70,.411/:.,7/:9
3 .:5, .4397,.9:, 70.4;07,-0 1
9070817,:/47-,/1,9
0548947 2, 70.4;07 0;03 1 -,38
3003.0 349 ,9903/0/ --,/ 1,9 1 0
8:11070/ 2039, ,3:8 8074:8 ,309
09.
#08543/0,98:50747410254 008
422,3/7085438-9
-,3 8-4:3/ - 90 3003.0 4198
0254008,881.,943 41,38&%#"&
&3;078,,38,70.42207.,-,389,9
.,3/4-49.42207.,,3/3;0892039-,33
%0 ,;0905407 41 -49 .42207.,
-,3,3/3;08920394:80
,;0 905407 943;089 3343,0/
0390757808
42207.,-,38 0307,540783./03941
.47547,943,3/.,35071472.42207., -,33
408349,;0905407943;0893343
,0/0390757808
#:7, -,38 -,38 9,9 5742490 7:7, /0;0452039
%0 .,3 0903/ 4,3 47 ,/;,3.08 94
572,7 2009 90 3472, .70/9 300/8 41
1,720781807203,3/9071,208
,3,84/05489 357;,90-,382470
9,3 90 ,24:39 5708.7-0/ - $30
4774078 29 3 .,80 9070 ,70 34
4;0732039-,38
#:7,,38.9#
%719 -,38 03.4:7,0890 3/:89717:,9
,3/,..:2:,943 418,;3841905:-.
%42,09930,870,.949050450
90.70/91,.908,970,843,-0.489
3.:/08 8,;38,3/2479,0 -,3
894.8,;38 ,3/ 4,3 ,884.,9438
,3/57;,90/0;0452039-,38
%719,38.9#
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
4/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
44507,9;0 -,3847,30/ -.44507,9;08 94
574;/0 13,3., ,3/ .70/9 807;.08 94
.44507,9;08
44507,9;04/0#
02-0785 41 , .44507,9;0 -,3 8,
3.:/0 .44507,9;0 ,3/10/07,943841.44507,9;08
8,2. ,38 5742490 84.40.4342.
/0;0452039 3 ,:943424:8 7043 -50714723
-,33,3/3;0892039 1:3.943 -,80/ 438,2.
.43.05941-,33
8,2.,3#
$:-0.99490573.508 ,3/7:3841
8,2.$,7,
9078-,38
!5530 '0907,38 ,3 .70,90/ 94
574;/04;0732039 /054894794;0907,38147,5570.,943 41 7,901: 3,943#
,3/ -,3 41 90 !55308 13,3.0
/897-:943 41 089,90 94 708,0 94 82,
,3/4/078#
0;0452039 ,3 41 !55308
574;/0.70/9 1,.908 147/0;0452039 3
,7.:9:70.42207.0,3/3/:897
! ,8 570;4:8 3,20/ ,8
#0,-9,943 3,3.0
47547,943#
43894.8,;38 ,3/4,3,884.,9438343
894. 34357419 .47547,943 03,0 3
,..:2:,943 418,;38 4198 202-078 ,3/ 4,38
94200998202-078300/8
431308 0.:8;0 202-0785 ,3/
.,3349 97,38,.9 -:83088 9 90 0307,
5:-.
":,8-,38 03,0/ 3-47743 41 1:3/8
974: 88:,3.0 41/05489 8:-899:90 147 5:75480
41 7003/3 47 5:7.,83 70.0;,-08 ,3/ 4907
4-,9438
118470 ,38 /0,8 9 97,38,.943914703 .:7703.08 370.0;3 1:3/8 174209073,
84:7.08,3/:9,943418:.
4;0730/-!:9479943,03,33,3/":,8,33
:3.9438
45078434703998,03,03-,3
4507,943894:9,:94791742,34$0397,
&3;078,47.42207.,8-,382,03,03
6:,8-,331:3.9438
&3/0747547,9434/0
4 4,79.08413.47547,943 47 ,203/203941 -,38 8, -0 ;03 :3088
,..425,30/ - 70.42203/,943 41
,557457,90 4;0732039,03.
%0 /090723,943 0907 90 507843 470399 8
50714723 -,33 47 6:,8-,33 1:3.9438
94:9 ,:9479 41 $! 8, -0 /0907230/-
4 2, 0,230 90 -448 ,3/ 70.47/8
94,.0;0985:75480
%0 /05,792039 0,/ ,3/ 0,23078 .,3
,/238907 4,98,3/.4250 5708039,943 41-448/4.:203984770.47/8
$! .,3 0,230 , -,3 47 ,3 039075780 9,9 8
4472,479430/ -90-,3
4 %8 .,3 43 -0 /430 03 $! 8
0,233-,3
$ 8,349708907,79.08 413.47547,943 41
-,3:308898,..425,30/ -,:947941
$ 8,349708907-,8 41-,3 :3088
,..425,30/-,:947941$!
$07;.0418:22438:543-,38
4 ,-02,/043905708/039 2,3,3 5,79307
0307, 2,3,07 .47547,90 80.709,7 970,8:707
34:80.4:380/42089.
4 &543708/039,03947$!14703-,3
8 43,8 3899:904,384:9243094 98
.:8942078,3/ .40.990 3907089,3/ .,708,
.4228843 9403/07,3/-,30798,-,3
3;0892039.425,3 03,08572,7 3 90
3;08934797,/34180.:7908,3/8349,-,3,33,20
3 :3;078, ,3/ .42207., -,38 2,
705708039 9801 94905:-.,88:. 3.4330.943
998-:830883,20
%719 -,38 .,3 -0 ,40/ 94 ,;0 , -:83088
3,20 41 98 43 574;/0/ 9,9 9719 -,3
8,;38 -,3 47 57;,90 /0;0452039 -,3 8,
-0,//0/
-4;07:08,84,;,,-094#:7,445
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
5/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%# 7,3,943 ,3,02039
/23897,943 41,387,3,94341,38
.,3,:9470 9047,3,94341,-,3-,80/
43901443.43/9438
3998,894..47547,943 5,7;,:0
894.843
:3/8,704-9,30/ 1742 905:-. .
8,20,390395078438472470
32:2.,59,706:7020395708.7-0/
-8,-08,9810/
8, 9,0394.438/07,943 90.,5,-908 41
90 0399 3 90728 41 907 13,3., 7084:7.08
90.3.,0507980,3/39079
4;0732039 ,03.47/05,792039 .,70/9
7,3934,3894-,38
,3847,30/504503.47547,9478
44507,9;08 2,47,30/ ,7:7,-,3:543
.438:9,9439907:7,-,38390,70,
,3,3/98-7,3.088,-0970,90/,8430:39&3;078, ,3/ .42207., -,38 2, 4503
-7,3.0893474:98/090!55308:543
5747,5574;,41$!
907 -,38 8, -0 4;0730/ - 907 50793039
,8$94.4/38
%70,8:7$94.8
574;/089,9-,38,
,3 .0383 574.088 8, 3.47547,90 !:7.,8047 ,.6:708,70841 98
,88088203941 43.,59,894.,38430785897:.9:70
70.9472,3,02039
507,935,3
39073,.439748
!740.90/ 13,3.,.43/943
,59,706:7020398%5041,3 24:39
&3;078,
42207.,
%719-,38 0,/411.03,3, 90780
#:7,,38 93,3,
0-:,;,4
89
7/.,88.9,3/
89.,88
2:3.5,9
9
9.,88 .9 ,3/
9.,88
2:3.5,9
99.,882:3.5,9
90,8941949,,:9470/.,59,894.8,
-08:-8.7-0/-8:-8.7-078415745480/-,3
418:.8:-8.759438,-05,/:5 98,
349-00889,390232:2.,59,706:702039
3.47547,94788:-8.7-078,3/5745480//70.9478
,3/ 411.078 2:89 -0 5078438 41 39079 ,3/
44/.70/989,3/3
$:. 5078438 2:89 349 -0 .43;.90/ 41 .720
3;4;3 247, 9:759:/0 ,3/ 349 411.078 41
,..059 43 8,708 ,8 80.:79 147
4,3
.05919,5574;0/-
,3/-0 709:730/
324398
#0,843 1 -,38 070 ,40/ 94 ,;0 ,
03 3 907 43 894.8 147 3/0-90/3088
41 894.4/078 574-943 ,,389
7,393 4,38 47 /8.4:398 :543 80.:79
4:/-0.42030110.9;0
4703894.4/384703 3/;/:,8,3/ 343-,38.,3
43 41 ;493 894. 41 /42089.
-,3,70,90 14703;493894.8
5343/;/:,,3//42089.343
-,32,0,.43:5944190
;493894.34,70,90.03
90385 4190.47547,943 8, 144
90 .90385 41 90 .439 743
894.4/078
%0507.039,04114703430/ ;493
894.83 , -,38,-0 /0907230/-
90.90385413/;/:, 894.4/078
9 0,89 41 ;493 894. 3 ,3
.42207., -,38, -0 430/-
534.9038
39719-,3898,-0,90,89
#:7,-,385348
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
6/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
3 /0907233 3,943,9 41 -,38
.4397490898,550/
,2 74:58 47 70,90/ 3907089 2:89 -0
1: /8.480/ 3 , 97,38,.9438 41 90
3/;/:,
4,7/4170.9478..47/3 94 47547,943 4/0 9070 8, -0 ,9
0,891;0,3/2,2:241-4,7/41/70.947841
-,3
%4 41 8:. 8, -0 3/0503/039 /70.9478
3/0503/039 /70.947 5078434907 9,3 411.0747
02540041-,3
2:89-0 410,,0,3/ 2,479 41 902 ,70
708/03984190!55308
43534 .9038 2, -0.420 202-078 41
-4,7/41/70.947841-,3:594900903941
,40/147035,79.5,943
70.947841 2070/ 47 .4384/,90/-,38 8,
3490.00/
0.943 !708/039 %70,8:707 /70.947 47 349
$0.709,7 708/039 .903 49 ,40/ 548943
!708/039$0.709,7 !708/039%70,8:707
00938 2, -0 .43/:.90/ 974: 24/073
90.34408
1470307 2, -0 , 202-07 41 90 4,7/ 41
/70.9478 41 , 7:7, -,3 ,9 90 920 41 907
,88:2594341411.0%4 57490.9 1:3/8 41 /05489478 ,3/ .70/9478
8, 70:,90 5,2039 41 /70.9478 :3/07 .079,3
.7.:289,3.08
4259740785
:830883:38,1047:384:3/2,3307
,3 8 14:3/ 94 -0 3 ,3 :38,981,.947
13,3.,.43/9439,3/!74507#:0
!407841,,389/70.9478
, #0;0 6:,1.,9438,3/ "8 41/70.9478
- 1907 /:0 349.0 2,/86:,1 8:8503/
477024;0/70.947
. 9,3/5745077:08,-0/0907230 -
39079 050703.0 0/:.,943 97,33
.4250903.04190/70.947
86:,1.,943841/70.9478
, 43;.90/ 41 13, :/2039 3;4;3
/84308947-70,.4197:89
- !078438.43;.90/4113,:/20399,
2,2:225784320399072 41 2470
9,30,78
. 43;.9841-,33,8/ !078438:/.,/0.,70/384;039
0 :5,-041-,38.48:70
1 /23897,9;0 ,-0 147 ;4,943 41
-,33 ,8 9 503,9 41 7024;,
1742411.0
4:3/:319147548943
%070.,3-0 ,84 902547,7 /86:,1.,9438 ,3/
8,089:39"8430
&3/07 47547,9434/0 /86:,1.,9438
43 9 25784320392470 9,3 0,78 47
;4,94341.4/0.422990/930,78
,84574;/08 "147202-078 419,9
8 .4330.90/9-,3:3/078:507;84347
0,23,943 41$!
!:-. 411.,8.,3349,84 -0 ,3 411.0741 ,3
57;,90-,3:308854894383./039,94411.0
#:7,,38.95:-.411.,2,-0/70.947
0.05943
!.43;.94341,3.723,41103808
3;4;3-70,.4197:89,33,8,3/4:78
90,894:78,/,43473/,84370.0594/,8
,45033$,9:7/,8$:3/,8,3/4/,8147
4:789470547994$!
47 5:75480841 /054898,3/ 9/7,,8-,3
.,30903/-043/470,741,3/!
19 814749075:75480890.,30.00/4:78
232:2 -:9349 0903/-043/ 470,741
,3/!
,383 ,754798472,47 1854798.,34503
4:78
,308 3-,33 /,8 ,3/ 4:78.,3-02,/0
43.00;07/,80.059/:73020703.08%8
,8808118904-0,38 2,089,-8 411890%$ 574;/0/9,9
9070 8 705479 43 $! ,3/ ,/06:,90 80.:79
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
7/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
20,8:708 %0 ,70 389,0/ 43 3 .039078 41
,.9;9
4-0%$,70,40/94;895,.089
,70 .74/8 41 50450 574;/0/ 9 ,8 ,/06:,90
80.:79
3/0503/039:/947 2, 706:70 -,3 94 03,0 807;.08 41
3/0503/039,:/947 17428941!,..059,-0 94
3,3.,$9,9020398
;07-,36:,8-,34797:8903998, 8:-29
9490$!9813,3.,89,9020398
$:. 89,9020398 2:89 84 90 ,.9:, 13,3.,
.43/943 41983899:943 3.:/3 984507,9438
:89 5:-8 8:. 3 ,3 :3/0789,3/,-0
340/0 43.0 0;07 6:,7907 3 , 3085,507 41
0307,.7.:,943
4384/,90/ 13,3., 89,902039 .42-30/
89,902039 41-,,3.08009,3/3.420050380841
94472470.47547,900399
$:-8/,7 .47547,943 070 2470 41 98
;493894.8430/-,-,3
11,9030//70.93/70.9 9490-,3-
430785 47 .43974 39074.3
/70.94785.42243894.4/078433
41 0,. 390720/,7 2,3,02039
.4397,.95072,303957447;49397:8941
!:-.,94341,59,$94.8
,3 6:,8-,3 47 97:89 0399 8, 349 5:-8
90,24:39 4198 8:-8.7-0/.,59, 894.94:9
3/.,93 90 ,24:39 4198 .,59, ,.9:, 5,/
:5$099020394185:908
$!8,-0.438:90/ - 4;0732039
,03.08 3,.9438 39,90/ 47-74:9 -01470
902 - -,38 ,3/ /85:908 -09003 ,3 41
902 . 90 ,70 /70.9478 411.078 47
894.4/078$970,3/4.4:98
3 :380990/ 8970 47 4.4:98 3;4;3 -,38
,1907 /,8 8, -0 7054790/ - $! 94
4,88:20:78/.943
,38 974: 907 5708/039 8, 31472 $!
41 90 .,:80 41 90 8970 ,3/ 90 4507,9438
,110.90/
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
8/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%#05489:3.943841,383/84105489802,3//054898
9480,-90841$!,3/414907-,38. ,70 /03423,90/ 3!5530 .:7703. ,3/
,70 8:-0.994 5,2039 3 0,903/07:543
/02,3/- 5708039,94341.0.8
3 :3;078, ,3/ .42207., -,38 2, ,..059
47 .70,90 /02,3/ /054898 94:9 5747 ,:9479
1742$!
907 9508 41 -,3 706:70 8:. ,:9479 %8
.438/070/,890.:77039,..4:39390-,3,%02547,74;07/7,38,3/&
%02547,7 4;07/7,38 ,70 349 ,40/ 0.0593472, -,3 .,708 ,3/ 4907 1008 3./039, 94
,3/38:.,..4:398
'4,9438 41 902547,7 4;07/7,38 .,:80
41 130507/,.425:90/4390-,8841
90 ,24:39 41 4;07/7,3 -:9 349 94 0.00/
!507/,
7,38 ,,389 :3.40.90/ /054898 &
574-90/ .05943 2,/0 ,,389 :3.40.90/
/054898 7057080393 2,3,078 .,8078
970,8:7 ,77,398 5489, 2430 47/07 ,3/ 43 :8
.0.-:77039,..4:39841411.078
411.078 0254008 41 -,3 3 .,8
/05,7920398 ,3/ 4907 0254008 4,;0 /70.9
7085438-9 3 ,3/3 /05489 97,38,.9438 ,70
349,40/ 942,39,3/02,3//05489847
.:77039,..4:398.0.8
79903 47/07 ,//70880/ 94 , -,3 47 507843
.,773-,33-:83088- , 5,79 ,;32430 3 907 ,3/8 706:0893 902 94 5, 43
57080392039 94 , 507843 3,20/ 90703 47 94
-0,707479447/07 ,3,20/ 8:2412430 47,3
;8/:941-,3944347.0.8
03 -,3 8008 9,9 /05489478 ,..4:39 ,8
8:11.039,24:3990398,43478:.
1 9070 8 8:11.039 ,24:39 -:9 -,3 /843470/
903 -,3 8 ,-0 907801 9070 8 34
8:11.039,24:39
,38 2:89 038:70 9,9 90 .0. 8 43 5,/ 9498/083,90/5,00
7,07 2:8970202-07 0;07920088:08,
.0.,3/,-,32:8934901472078
83,9:70
-,3 8 :3/07 34 4-,943 94 2,0 5,79,
5,2039 4390.0.43:54390,24:39390
/7,0781:3/8
%0 .,3349 ,84.425038,90 90 ,.41 2430 3
90/05489,..4:39 94908,;38,..4:39
7488.0.2:89-02,349 -003.,80/-:9
43/054890/ .0.3049,90/ 4343.0 944304,8,3,..4:399,-,3,3/807;08
,8 ,733 94 4/07 $9,90 3;0892039 4:80 ;8
,8078 .0. -,38 43 .0.,3/ 8970,90/
,8!990-,3,82,07
/0020/,8.,80!,.1.%2-07$:55
43.8$0N078/$09411#:0
-,3 .,3 809 411 47 .425038,90 - /0-93 ,
507843, ,..4:39 41 /0548947 147 ,3 ,24:390774304:8 .70/98 94 90 5078438 57457094785
,..4:390#0,9438541!,00474/07,3/90,3
!73.5, ,3/ ,039 70,94385 -09003 5,00
474/0741.42207.,5,507,3/90-,394
.988039147.40.943!;8$,;38054898
,382,-0,:9470/-90$!9484.9 ,3/,..059/0548984:98/0907-,35702808
,3/;/:,,3/439..4:398190439,..4:39 8,3/-4983,9:708 41.4
/05489478,70706:70/-014709/7,,8
1,3/47090790783,9:7088:11.039
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
9/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
-9/7,,8%070 2:89 ,,8 -0 , 5708039,943 415,88-44
,3/ ,..42583 30.088,7 9/7,, 858
-014709/7,,0.0591,:9470/-$!049,-07/07419/7,,..4:398
,..4:398 ,70 3907089 -0,73 /05489
,..4:398 9,9 .42-30 90 5,,-0 43 /02,3/
10,9:7041.0.8 ,3/ 3;0892039 10,9:7041
8,;38,..4:39
&3;078, ,3/ 42207., -,38 2, 41107
,..4:398-:9 4907 -,38300/ 5747 ,5574;, 41
%20054898
%20 /054898430905,2039 41. .,3349-0 0, 706:70/ 93 8:. 850.10/ 3:2-07
41/,8
$50.,920 /054898174290 7,7,3#01472
:3/422884394073907089 8,-0
0025917420,70807;0706:7020398
0791.,90/41%20054898.,30907-0
3049,-0473433049,-03&3;078,47
.42207.,-,38.,3 88:0 3049,-0%8
94:95747,5574;,41$!05489$:-899:90":,8,33:3.943
88039,020398416:,8-,33,70
477431:3/814790-4774078,..4:39
%03947247003/078,9,3430920
094/8 41 -47743 ,70 88:,3.0 03/47802039
47,..059,3.041/0-93897:20398
!:75480 8 147 7003/3 ,3/ 5:7.,83
70.0;,-08
47743 , 14728 41 4-9,33 47 7,83
1:3/8
47 90 -4774078 43 ,..4:39 ,88:25943 41
,-93430843.,5,.9
#003/3 70107 9490 0903843 41 4,38 -,3
3899:9439,390.0/039-4774397,38,.94384703:7703.054898
3 507843 3,9:7, 47 :7/., 2, /05489 9
8:.,3-,3344/89,3/3/083,90/-$!
14703 .:7703.08 .,70 ,..059,-0 ,8 5,79 41
39073,943, 70807;0 0.059 9480 . ,70
706:70/-$!94-08:7703/070/
$:.-,38.,3,..059 /054898,3/ ,..059 14703
.:7703.08397:89
:2-070/,..4:398 14770.47/3,3/807;.341/054898,70,40/
%0/0548947-,38,
,39,3 ,9 , 9208 , 14703
.:7703..4;07147907,-908
41 8:. 2:89 -0 3 90 147241
14703.:7703./054899$!
%0 -,,3.0 8, -0 3 1472 41 14703
.:7703. 4,3880.:7908 . ,70 8479
90722,9:7908,3/70,/2,709,-0
$:. 4,38 .,3 -0 0903/0/ 94 /42089.
0390757808 94 .4;07 90 14703
.:7703..4;07
0548947 -,38 :3/07 90 05,3/0/ 14703
.:7703. /05489 889028,-000259 1742 90
706:702039 41/054899$!
%07083470897.943439/7,,8-/0548947
418/0548941908,20,-74,/0.059/408
,7831742.4397,.941/0548947,3/-,334324:8 ,3/:2-070/,..4:398
$:. ,..4:398 ,70 349 ,40/ :2-070/
,..4:398 8 43 ,40/ 3 14703 .:7703.
/054898
40;07 -,38343-,38 84:/ 038:70 9,9 90
.0398/03910/3,3411.,/4.:2039/23897,943 41054898$50.20383,9:7054948
-,33 3899:9438 ,70 706:70/ 94 809 ,
232:2 41 850.203 83,9:70 1742 907
/054894780;070,7847844307
,382,,84706:708:-288434154948
789 920 /05489478 706:70905708039,943 41,9
0,89;,/549-0,73/8
$9:/0398 4 ,70 -0301.,708 41 ,70 ,84
706:70/945708039/8
$:-288438430920-,88433478,3/47547,9438,805489478
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
10/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
3478 .,3 ,;0 8,;38 ,3/ 920 /05489
,..4:39894:9,8889,3.0415,70398
:89-0,90,89784/
-09470,/,3/790
$:11.039/8.70943
49490780"0/-,!,70398.,389/054892430942347
47/05489841 234783 9719-,38:,7/,3
2, 2,0 349.09,95,2039 /054898 3907089
/;/03/8-02,/0942,3/34994902347
47547,9438 2, 4503 -,3,..4:398 ,81448
3.47547,943 89,0 ,3/ !4893.47547,943
89,0%20415,20394139070893920/054898
390708943920/054892,-05,/:543
2,9:79 9/7,, 47,/;,3.0 574;/0/ 9,9 903907089 5,/ 3 ,/;,3.0 8, 349 0.00/ 3907089
1474300,7%70,92039412,9:70/920/054898
%20/054898349 9/7,347 70300/43 98
/:0 /,908, -0970,90/,8 ,8,;38 /05489 ,3/
8, 0,73 3907089:39,.9:, 9/7,, 9
7,908418,;38/05489
05489 8:-899:90 349 9/7,3 8, ,;0 ,
2,9:797,90,55.,-094,/054898:-899:90
0,73:9411%200307, 7:0 , /054898 ,3/ 9/7,,8 /:73
70:,7 -,33 4:78 8, -0 .70/90//0-90/ 94
,..4:39843/,904170.059475,2039
1 9070 8 $! .0,73,77,302039349 0,707
9,3 4:78 -01470 $! .0,73 920 3 0,/
411.08,3/4:783-7,3.08
1 9070 8 34 $! .0,73 ,77,302039 4:78
-014704.,.0,73920443,8054898
,8 /054898 70.0;0/ ,1907 .0,73 .:9411 920
8,-0-44,8/05489843/,4170.05944343.,8054898
43 :8 .0.8 2,3,078.,8078 .0.8
/02,3//7,19870.0;0/,1907.0,73.:9411920
2, ,9 90 45943 41 90 -,3 -0 -440/ 43 90
/,4170.059 907343.,8 /054898,70 970,90/
,8 .4393039 ,..4:398 43 90 /, 41 70.059 ,3/
8,-0-440/,8/054898901443/,443054898,190770:,7-,334:78
054898 0907.,84734970.0;0/ ,1907.480
41 70:,7 -,33 4:78 8, -0 970,90/ ,8
.4393039,..4:398,3/-440/901443/,;07,0,,,3.0
,38 2, 25480 ,3/ .40.9 807;.0 .,70 47
2,3903,3.0 100 43 8,;38 ,3/ .:77039 ,..4:398
9,9 1, -04 232:2 2439 ,;07,0 /,
-,,3.0
2:89-0574507/8.480/3909072841/05489
47 /472,39,..4:3981,-04 .4380.:9;0
24398$:7;;47857002039
%070 8 8:7;;4785 ,7002039 03 439
4307841,/05489,7009,9090741902.4:/
9/7, ,3 5,79 47 40 41 ,..4:39 /:73
1092041-49,3/90-,,3.0:543/0,941
0907-043894908:7;;47
98,3,0,947.4397,.9
$:7;;4785,70020398 507 80 349 .4397,7 94
,-:92,-0;4,9;0
7002039 .,3-0, 2070.4,94/03
3411.4:8/43,9439497,381075745079317,:/',9:7041,3054898
054898 ,70 .438/070/ 8250 4,38 ,3/ 349
57010770/.70/98
,3 /054898,70 3 90 3,9:7041 770:,7
/054898 ,8 90 ,70 4,38 4 0,73 3907089 !
;8
#0,94385-09003 /0548947 ,3/ $,;38,3/
4,3884.,94389,941.70/947,3//0-947
4397,.9 -09003 -,3 ,3/ 98 /05489478 ,70
4;0730/-
,3:92,90,.6:708 43078541/054898
-:9,84-,943945,-,.06:,,24:39
,38.,380941147.425038,90
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
11/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
':90841,3809.:4:8 .,70 9 /054898 41 .0398 /:0 94
1/:.,770,94385
,382:89 ;05,203994905745075,79 9:8
.40.93 -,3 ,84-,943 94,8.079,3 9,9 90/7,07 97: 3903/0/ 9,9 90/0548947 8 90
5,00
3.,8041/0,941/0548947,3/90-,33041
990708,-0341:79079/7,,
/23897,947847 078.,3 9/7,:5 94
94:9.0791.,94341#'$0.70.41,3054898
!:75480 894;003.4:7,02039 949050450
94 /05489 907 2430 3 -,33 3899:943 ,3/
/8.4:7,057;,904,7/341 /05489478 849,9.4:/-0:80/30.4342./0;0452039
/05489841,90;07 3,9:709-,83.:/3
3;0892039 -43/8 ,70 .438/070/ ,-84:90
.431/039, ,3/2,349 -00,230/ 36:70/47
440/3940;03-4;0732039411.,8
# 574-98 36:70 47 /8.48:70 41
/054898
.05943 7990350728843 41/0548947
250,.2039 47/07 41.4:79 3.,8041-7-07
47/070.943478:-0.92,9907419,943
98,,84,559414703.:7703./054898
990430.05943417990350728843
3 8,2. -,38 9,9 43 0.059438 ,70
3850.943 41-,3,:/947 79903 50728843
-/05489478:-0.92,9907419,943'.05943894$0.70.41054898
%0,70,70,/89,90/,-4;0
..4:398 .,3-0,7380/9438:708,981,.94341
:/2039 ,8 9070 8 34 70, 36:7 ,3/ 8420
/8.48:70,7020703./039,
4370883493903/0/147/0-94789408.,500307, 0025943,,389,73820398, 349
,55941470397,380398
4703 .:7703. /054898 41 , 1470307 4 ,8
.43;.90/ 41 .720 41 7,50 2, -0 ,7380/ 94
8,981:/2039
&3/07# ,3/39430 ,:3/073 .9
9080.70.41/054898/4349,55
$! .,3 ,84 36:70 3/054898 147 5074/. ,3/
850.,0,23,9438
2-:/82,3 ,8 90 3,207, 3850.943 5407
94 44 394 /054898 574;/0/ 9,9 9070 8 ,
503/3 .,80 8.4:79 ,3/ 90 ,..4:392:89-0
574507 /03910/ 3850.943 290/ 94 908:-0.92,9907
# .,3,8444394/054898 94/0907230 7488
089,90 41 , /0.0/039 47 0 ,8 ,550/ 147
.425742809,,-9
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
12/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%# 3;089203984,38,3/907,3
:3.9438&3;078,507,94341&3;078,-,38!407841&3;078,-,3
42207.,-,3
3;08920394:80
3;0893343,0/03907578086:93;0892039841&3;078,-,3
0/ 0390757808 ,70 9480 . 03,3.0 47
.42502039-,33
198 ,13,3., ,0/039075780 9039 3;4;08
2430 2,9907890780 98,-034313,3.,
%49, 3;08920398 3 06:908 41 ,0/ ,3/ 343
,0/ 0390757808 8, 349 0.00/ 41 90 3094794190-,3
6:9 3;0892039 3 ,3 430 039075780 0907
,0/473438,3490.00/
09 479949,4190:325,70/ 5,/3.,59,
3.:/3 5,/3 8:75:8 709,30/ 0,7338 ,3/
:3/;/0/574196:9 3;08920398 41&3;078, -,33 3,3., 0/
039075780
&3;078, -,3 .,3 43 419006:9 3 ,
97197:7,-,34713,3.,,0/039075780!:-.890/ :3;078, 47.42207., -,32,
43 41;493894.41 ,34907:3;078, 47
.42207.,-,3
13495:-.899034343
443,7013,3.,,0/0390757808
0,83.425,308
,38
3;0892039 4:808
3,3.3.425,308
70/9.,7/.425,308
3,3., 3899:9438 425,308 3894.-7407,0 ,3/ 14703
0.,30/0,0785
38:7,3.0.425,308
4/3 .425,3 574;/0/ 9,9 90
06:908 41 90 0399 8 .43130/ :3/07
:3;078,-,3$!70:,943
6:9 3;08920398 41 :3;078, -,33 34313,3.,
,0/039075780&3;078, -,3 2, 43:5 94 41 06:93
34313,3., ,0/
,2508,70,704:83.425,308
$947,0
$,10/05489-4
425,30803,0/ 3 2,3,0203941
2:9:,1:3/8,3/3491:3/89801
425:907807;.08
420-:/3,3//0;0452039
$07;.0-:70,:8
!
#:7, ,3/ .44507,9;0 -,38 .,3 3;089 3 343
13,3.,,0/03907578088:.,8
,704:83
0790,3/,7.:9:7, .02.,
,7206:520398
%7:.3,3/97,385479,943
,7093,7.:9:7,574/:.98
0,836:93;0892039 41&3;078,,3343,0/
0390757806:93;0892039 3, 830 343,0/ 039075780
8,3490.00/3949,06:947;493
894.3;089203983343,0/0390757808
&3;078, -,3 2, 3;089 3 06:9 41 039075780
410-08
390757808 03,0/3,7.:9:70233
6:,773 2,3:1,.9:735:-.:9908
3/:897,5,78
42207., 5740.9 9 4;0732039
57;,9,9435747,2
6:93;0892039 3":,8-,38 :3;078,-,3
.,3433;089:594306:9416:,8-,38507,94384142207., ,38!40784142207.,-,38
0307,540783./03994.47547,9438
540730.088,7 94 .,77 -:8308841
.42207.,-,338:.,8
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
13/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
, ..0593/7,19 ,3/ 88:3 09907841
.70/9
-8.4:393
. 70,93/02,3//054898
/:,3/803470
88:,3.0410990784170/909907 41 .70/9 13,3., /0;.0 /0;0450/ -
207.,398 ,8.43;03039 24/0 41/0,3 9
8,084144/8
%0 -:07 ,55 147 , 09907 41 .70/9 3 90
88:3-,3
%0 8007 903 803/ 9044/8 9490 .,7707
,3/02,0,/7,19.,0/-410.,30
$007 5708039 90/7,19,3/ 90 30.088,7
/4.:20398 8:.,8 - 41,/3 9488:3 -,3
9470.0;0905,203909044/8,70397,38998,-0430/-
88:3-,3
03 90 44/8 ,77;0/ ,9 90 5479 41 90 -:07
90-:07 5, 90.47708543/3 5,2039 ,3/
,84,390/4.:20398
$3.0 90 -:07 ,3 90 /4.:20398 0 .,3 34
,.6:7090/0;070/44/8
3/0503/03.0 573.50 -,3 /09072308
.425,3.0 909907 41.70/9 43-0,233
8553 /4.:20398 57080390/ ,3/ 300/ 349
0,2309044/8%070,709700.4397,.98
-:078007
-:07-,3
8007-,3
%070 .,3 -04907 5,7908 8:.,8 34913 -,3
31472 8007 .431723 -,3 03/ .70/03.0 94
09907 41.70/95,3-,3 ,3/ 3049,93 -,3
/8.4:39076:93;0892039843.42207.,-,3
42207., -,3 2, 3;089 43 3 06:908 41,0/0390757808
%49, 3;0892039 3 06:908 41 ,0/ 0390757808
8,3490.00/
6:9 3;0892039 3 430 039075780 8, 349
0.00/
6:9 3;0892039 41.42207., -,3 4313,3., ,0/
0390757808,3 43 :5 94 306:9 419719 ,3/ 7:7,
-,3
40;07 .,3349 43 41 06:9 41 13,3.,,0/03907578049079,3,-4;0-,38
6:93;08920393.42207.,-,34334313,3.,
,0/0390757808
,343418,/0390757808
#8,80/,59,32:2#,94
8,5708.7-0232:27,94
9-0-,80/ 4390309479,3/78,8809841,-,380,898.425489438
9 2, ,907.425,3.0 9 7,94 147 ,2,
5074/410,7
#,948, -0:31472 ,550/ 94-,38418,20
.,9047110.94143.425,3.0
1,-,3/408349.42590390.,3
29 /897-:943 41 309574198 ,3/ -0
:80/ 94 3.70,80 .,59, ,..4:398 :39
232:2706:7020398209 #0897.9,.6:8943 412,47,88098 ,3/
30 3;08920398 0.059 9 5:7.,80 41
70,/ 2,709,-0 0;/03.0 41
3/0-90/308841#!$!
3 .,80 41 20707 70,-9,943 2,
902547,7 700;0 8:. -,39 .425,3.0
9.,59,7,94'29434,38.70/9,..4224/,943 ,3/:,7,39008$30477407829
%49,,24:39414,38 .70/98,..4224/,943 ,3/
:,7,39008 0903/0/ 94 ,3 507843 5,7930785 47
.47547,943 8, 349 0.00/ 41 309 479 41
-,3
3 7.:,7 41 41 $! 90 $ ,8
3.70,80/94
.05943894$
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
14/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
2, 4907805708.7-0147 70,8438
413,943,3907089
05489417:7,-,38913,3.,
3899:94388:.,8!,3/!
,88 147 /0907233 $ 8 90 949, .70/9
.42292039 41-,394-4774074,3894,,..4:398:3/074,35479144
70/9 ,..4224/,9438 94.70/9,3/ 2,709 78
0548:70 41 -,38 ,783 1742 ,..4224/,943
49079,3904,3
%49, .70/9 .42292039 3.:/0 4,38 .70/9
,..4224/,943 /010770/ 099078 41 .70/9 088
2,73/054898,3/:,7,39008
%49,.70/9 .42292039 .,3 -03.70,80/ -
574;/0/ ,//943, ,-908 ,70 80.:70/ - 97:89
70.0598 8553 /4.:20398 4770,/2,709,-0
44/8#0,/ 2,709,-0 44/8,79.08 41.42207.0
,7.:9:70 47 3/:897 ,8 .4389,39 /0,38 3
70,/2,709 ,3/ 57.08 0,8 ,8.079,3,-0 ,3/
/8548,-0
!,7039 .47547,9438 949, .70/9 .42292039 8,
,84 3.:/0 98 8:-8/,708 1 9 :,7,39008
,..4224/,90 478:-8/,782070,/05,792039
419
408,0 03/3 414;0732039 -,38 8, 349
0.00/41309479 945,79.5,93 13,3.,
3899:9438
! 3899:9438 147 7003/3 94 03/:807
-4774078
%003/:807 -477407 8,-08:-0.9 9490
$
3 2:3.5,908 070 9070 ,70 34 4;0732039
-,38/054898 417:7, ,3/ .445-,38 357;,90
-,388,349-08:-0.994$
05489 357;,90 /0548947 -,3 :80/- 9719
7:7, ,3/ .445 -,38 9 ,:9479 94 ,..059
/02,3/ /054898 ,1907 -03 .0,70/ 8, -0
002590/1742$
,3:,7,3900770;4.,-0.42292039 41,
-,3 -3/3 94 5, , 8:2 41 2430 3 0;039 41
3435071472,3.0 4197/5,79
70/9#8%7,38107,77,302039 9,9,48 90
-,3 94 97,38107 90 .70/9 78 ,884.,90/ 9 98
4,3474907.70/9,..4224/,943 94,97/5,79
43974 412,479 390708947.439743 3907089
5,7039438/70.947 3/70.9974:98
8:-8/,70824709,3,141;493540741
039075780
;0310889,3,1418,/;493540798,
89,;0.43974339070891
700203993;089478
4;07313,3.,,3/4507,9438,3,554392,47941/70.9478
,892,479;49043200938
$:-8/,7.47547,94307024709,3 41
90;493894.8430/-,5,7039.47547,943
410.,30 /7,3344/1,9,,389
,.9:,0893;,:08/7,3-,80074390
5:7.,801479057.041.4224/984/
42207.,5,507430/- 5078433049,93
908,205,507,7831742-:8308897,38,.943
.:8431742$
8.4:39-841 0.,30,3//8.4:39.42207.,5,507
70/9 ,..4224/,943 94 13,3.0
25479,943 417.047.473:594 309
47941-,3
W :89-0,5574;0/-
4,38 ,3/ .70/9 ,..4224/,943
:,7,3900/ - 3/:897, :,7,3900 ,3/
4,3:3/
,-908 41 .42207., 5,507 88:07 147
.42207., 5,507 0/ - & ,8 172
:3/077907 3 /,8 ,3/ 349
0.00/17423472,$
4,38,3/.70/9 ,..4224/,9438 .4;070/
- 39073,943, 47 7043, 3899:9438
070 !55308 8 8,704/07 8:. ,8
4,38 ,3/ .70/9 ,..4224/,9438 9
;,:,943 70807;08 574;/0/ 9,9 -,3 ,8
34:3-440/;,:,94370807;08
4,38 ,3/ .70/9 ,..4224/,9438 ,8 ,
708:9 41 :3/07793 ,7002039 41 /0-9
80.:79083490.00/3/,8'4,9438
4309,7 503,908 41 41 0.088 4;07
90.03-:93490.00/507/,
1-,37084:7.080889,390343,2,
503,941!8,-025480/
%070,84-070572,3/94/70.9478411.078
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
15/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
3 8:-806:039 4110380 , 130 8,-025480/
4390/70.94784,5574;0/9
%070 .,3 ,84 -08:8503843 41-,38 -7,3.3
57;00,3/70/8.4:393 1,.941$!3.:8439429
%014438,-03.:/0/
,07,..0594741 5,507 /8.4:390/,3/
0307,3/47807/7,0747:,7,3947
3/;/:,4 .4397482,4793907089
3.47547,943
3 .,8041.47547,943 ,,-908 94
8:.-,3 41,8:-8/,708 9,8
2,4793907089
!,7930785,-90841202-078
84 3.:/08 5,7039 .4547,9438 9 2,479
3907089.:8439429
4,38 ,3/ .70/9 ,..4224/,943880.:70/ -
$!47#!$9,908,,884;039
4,38 ,3/.70/9 ,..4224/,9438:,7,3900/ -
4;0732039
4,38 ,3/ .70/9 ,..4224/,9438.4;070/ -
,8830/41/054898- 03/3-,3
4,38,3/.70/9,..4224/,9438 :3/07099078 41
.70/9.4;070/-2,73/054898
4,38 ,3/ .70/9 ,..4224/,9438/0907230/ -
,834378902888320394170/98
9 890,7002039 070 904307 41.70/9
34 ,8 ,88347 -0, .,:80 97,38107 8
.70/9 94 ,34907 343 ,8,88300 94:9 300/
41.43803941/0-947
88300,.6:7085407841,88347
%070834304-,9433,8832039
40;07 90702:89-0,349.0;0394/0-94784
9,903442945,
438039 8349 30.088,7 347/07 9,9 ,8832039
2, 1:574/:.0 0, 0110.98 $843 $843;8
,5%.4,3/;,3.0N,
!,.94.4228474557457,93 , 93 ;03 - 50/0 47
2479,0
9 8 349 ,40/ 3.,82039 41 /05489
.0791.,90883495,.94.422884749 83903/0/ 9457490.9 90 4-47 ,,389 -03
4;0770,.0/-.70/947' #0897.94343 ,3 548:7094 70.947811.078
$94.4/07,3/70,90/39070898$#4 $#.,3/70.9 473/70.9 -4774 1742
8:.-,3 47 -0.420 ,:,7,3947 3/4780747
8:7091474,3
.05943 8 03 9070 8 , 79903 ,5574;, 41
90 2,479 41 , /70.9478 41 90 -,30.:/3
90$#.43.0730/$:.,5574;, 8349706:70/198 :3/07, 1730
-030195,3,5574;0/-$!
70.9478 3.:/0 9480 3,20/ 3 3.47547,9438
00.90/4710/
11.078 8, 3.:/0 ,3 507843 4 50714728
1:3.943412,3,02039
$94.4/07 894.4/07 41 70.47/ 3 90 -448
4190-,3
#0,90/ 3907089 3.:/0884:80 47 70,9;0 93
89
/0700 47 - 0, ,/45943 %8 3.:/08
5,7930785 .443078541$#8
47547,9438 07090,-4;02039430/ 438
41 8:-8.7-0/.,59, 903 90574-943
8,,55
,3 ,84 -0 088 9,3 1 90 $ 898 ,8
705708039,9;0 41 90 -,3 3 90 -4,7/ 41 8:.
.47547,943110.941;4,943
%0 /70.94747 411.07 4 ;4,9082, -0
/0.,70/ ;,.,39 ,3/ 8:-0.9 94503, 574;8438 41
29434,38
.,3 29 90 ;,/ 4,3 ;03 94 $#
574;/0/ 9,9 9 8, -0 -,80/ 43 907
:303.:2-070/ /054898 ,3/-44;,:041907
5,/3.,59,.4397-:943
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
16/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
.:8439490294,38 ,3/ .70/9 ,..4224/,9438 .438/070/ ,8
34378
4,38 ,3/ .70/9 ,..4224/,9438 94 411.0783
147411730-0301982943 4,38 ,3/ .70/9,..4224/,9438 8,
349 ,55 43 9480 0903/0/ - .445 -,3 94 98
.4458,704/07855.,-9 41 $# 7:08 ,3/ 70:,943 94
4;0732039-477437.:,7 41 574;/08 9,9 $# 7:08
8, ,84 ,55 94 4,38 ,3/ .70/9
,..4224/,9438 7,390/ 94 #! 8:-/;8438
3897:2039,908 ,3/8
.0594384:/-04,38,3/.70/9,..4224/,94389,9,70
34378,3/3498:-0.994.03
%4802,/0-$!
&/:0 941:,:94342 3907
57457091:3.943
70.947 4 ,.98 ,8 4;0732039
705708039,9;0'$0.:7908434,38,3/.70/9,..4224/,94384,38,3/.70/9,..4224/,9438 ,,38970,089,90
$, 349 0.00/ 41 ,557,80/ ;,:0 41
70850.9;0 70, 089,90 80.:79 5:8 41 90
,557,80/;,:0419038:702574;0203984,38 ,3/ .70/9 ,..4224/,943843 80.:79 41 .,9908
,3/39,3-0574507908$, ,84 349 0.00/ 4190 ,557,80/ ;,:0
419080.:7943,3/$4/,7,7002039
$88:709,3/349:,7,3900 98,3,70020390705,7908.43803994-084/,7,-0
8 , .4397,.9 41 ,/0843 $ 84:/ -0 9,03
.4397,574107039:2 ,,389 905,794 2,
,;0.,:80/,3,2-:990703110.941$:7097002039
7002039 8 43074:8 ,3/ .43897:0/ ,,389
.70/947
#06:708 9,9 .70/947 4-9,3 .438039 41 908:709
-014709070.,3-02,907,,907,94394904,3
18:709/70.947 8349,324705,794190-4,7/
9030.,3349-00/,-0
$:709.,33490903/9424709,3,98
895:,90/
439 ,3/ 84/,7 83,9:70 41 2,47 894.4/07
47 411.07 .43899:908 ,8,3 ,//943, 80.:79 147
4,387,390/94.47547,9438 $0.:79,3
%7:89425,3;8:03.,
439 ,3/ 84/,7 ,7002039 ,7002039 070
90 .4397,.93 5,7908 .438039 94 -0 439 ,3/
80;07,,-03,4,34-,943' 7,39 ,3/ 5:754808 41 4,38 ,3/ .70/9
,..4224/,943824:39,3/5:75480414,3
,3 2:897,39 4,38,3/.70/9 ,..4224/,9438
43 3 ,24:398 ,3/ 147 5074/ 41 920 088039,
1470110.9;0.4250943
:89 -0 .43889039 9 8,10 ,3/ 84:3/ -,33
57,.9.0
!:75480414,38,-089,90/3,55.,943
1 -,3 13/8 9,9 574.00/8 ,;0 -003 02540/
94:9 98 ,5574;, 90 -,38, ,;0 90 79
94 90723,90 90 4,3 ,3/ /02,3/ 220/,90
705,2039#06:702039 1477,39414,3
,3 2:89 1789 ,8.079,3 1 /0-947 8 .,5,-0 41
1:13 8 .422920398 94 90 -,3 9 2:89
.43889841
$9,90203941,88098,3/,-908
$9,902039413.420,3/0503/9:70
!708.7-0/ -,,3/ 94 0;,:,90
.70/9,55.,943
;03390,-803.0418:.574;843379
41 90 ,48 90 .70/94794 /02,3/
1:5,2039 03/0-9478384;039 1,894;0
:,7,3900 25,70/ :,7,3900 489 93 974:
1479:94:8 0;039;4,90:3/079,3 47,9902598 94
,-8.43/
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
17/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
8,70.43050.:,7 .,7,.90789. 41
2.7413,3.38:.,8.,814-,80/03/3
.7413,3.3 4,3882, 4,38 7,390/ 94
-,8.80.9478:8:,:380.:70/ ,3/;039482,
-:8308808
#0,84314789730397:037,3934,38,33 .47547,943 4/8 90 2430 41 90
/05489478:094903,9:70 9,998,110.90/
5:-. 3907089 90 -,32:89038:709,9 90 4,3
8,-0705,/&380.:70/4,38,3/4907.70/9,..4224/,943
8, ,:9470 70:,9438 9 70850.9 94
8:.90780.:79706:7020398147-,3.70/98
2, 5708.7-0 80.:79 706:7020398 94.
-,3.70/988,-08:-0.9,3/70/:.047
3.70,802,2:27,94:947994 5708.7-090728,3/ .43/94341 4,38 ,3/
4907.70/9,..4224/,9438 2, 5708.7-0 2,9:7908 ,8 0 ,8 70,90/
.43/9438 41 ;,748 -,3 4,38 ,3/ .70/9
,..4224/,9438
3.,30 32,2:2 2,9:798,43,559494802,/0,19078:.,.943
2479,943434,38,3/4907.70/9,..4224/,94382479,943 8.0/:041-,3 4,38 ,3/4907
.70/9 ,..4224/,9438 8,-0 ,/4590/ -,80/ 43
3,9:70414507,943
1 4,38 ,3/ 4907 .70/9 ,..4224/,9438,8
2,9:79412470 9,30,78 2:89,;05074/.
,2479,9435,20398,3/2:89-02,/0,33:,
1-47740/ 1:3/8,7094-0:80/1475:754808
./4 34939, 574/:.0 70;03:081475,2039 4170:,7 ,2479,943-,3 2, /0107
8:. 920:39 70;03:08 ,708:11.039 3 34.,80
8,39,,2479,943/,90-0,9079,30,78
3.,80414,38,3/ 4907 .70/9 ,..4224/,9438
942.7413,3.080.94788.0/:08,.438/07
.,81441-4774078
8.,,943,:80!,790894 ,3,7002039 5079,33 944,3 412,
,700 :543 ,3 3.70,80 3 90 0;039 9,9 90
,55.,-02,2:2390708983.70,80/-
!#'8:.895:,943 8,43-0;,/190708,84,895:,943 9,9 9039070897,90
,700/ :5438, -0 70/:.0/ 3 90 0;03
2,2:2 39070897,908,8470/:.0/-
8.,,943.,:80,70349;4/50780
98;4/03 97,398.70/947 :3-7/0/ 7994
,/:89 3907089 3/0503/039 .425090
/057;3/0-947417994,88039
$:..,:80;4,90902:9:,941.4397,.98
308.,,943.,:80907084:/-0
3.70,80 33907089 13.70,80/ -,47
08.,,943.,:80
3.:/0 574;843 147 70/:.943 41
895:,90/ 3907089 3 90 0;039 2,2:2
39070898,8470/:.0/-,47/0
08.,,943.,:80
!:75480 41 3.:/3 /008.,,943 .,:80
570;039 4308/0/3088 3 1,;4:7 41 03/07 ,3
705:3,39942:9:,941.4397,.98
-803.0 41 /008.,,943 .,:80 703/07
08.,,943.,:80;4/110.941,33:20394108.,,943.,:80
3.,80 90 08.,,943 .,:80 8,33:0/ 573.5,
,24:39414,388:-0.994473,39070897,90.05943
1 9070 8 34 /008.,,943 .,:80 90 08.,,943
.,:80 8 89 ;,/ 190 .70/947 :3,907, ,3/
,.9:,/0.70,80/90 3907089.,708030;07
90 3907089 7,90 870/:.0/ - , 47 473
;8
&3,907,3.70,80417,908$:. ;4,908 90 573.50 41 2:9:,9 41
.4397,.9837941
3 .4397,.9 . ,550,78 94-00,; 00/
3 1,;4:7 41 ,3 430 5,79 9,9 0,/ 94
:3.438.43,-0708:98;4/
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
18/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
8.,,943 .,:80 ,70 ;,/ 94 2,39,3 18.,
89,-9 ,3/ 709,3 90 ;,:0 41 2430 43 43
9072.4397,.98
40;07 4907 5,7990702:89 -079 94,88039
94,325479,3924/1.,94341.4397,.9
4397,.9 41 ,/0843 5,7908 /4 349 -,7,3 4306:, 14493 90 0,07 5,798 5,79.5,943
-0370/:.0/94,9,0470,;0936:94:8 :3.438.43,-0 ,3/047-9,39 39070898
%4: :8:7 , 8 349 30890393907089 2,
-0,700/:543-03/07,3/-477407
40;07 90 8,20 2:89-006:9,-0 70/:.0/ 147
-0336:94:8:3.438.43,-0,3/047-9,39
30/0 ;8 $ 14:3/ 9,9 3907089 7,90
507,3:28:3.438.43,-0
3 :,943 ;8 $,:/ 3907089 7,90 ,8 507
,33:2 3907089 7,90 8 :3.438.43,-0,3/ 84:/
-04070/94507,33:239070897,90
4;8'74 39070897,90,8507,33:2
,8470/:.9434139070892:89-02,/0
,.447;8,3.4534 ,39070897,90507
,33:28349:3.438.43,-0 470.088;0110.941;4/39070897,90
139070897,908;4/98,8134057088 .4397,.9
907043,3/.4:792,70/:.0
!705,2039414,38,3/4907.70/9,..4224/,9438
-477407 2, ,9 ,3 920 5747 94 ,700/
2,9:79/,905705, 340 47 3 5,79 90
:35,/-,,3.08:-0.99470,843,-0907280,.425038,943
&3/07 79 .425038,943 .,39,0 5,.0
070 905,7908 ,70.70/9478 ,3/ /0-9478410,.
4907
507843 4 80.:708 , 4,3 41 2430 ,.6:708430785 ,3/8-43/ 945,90.70/947,306:,
,24:39
054898 3-,3.,3 -0 809411 ,,389 4-,943
41/0548947
$:-8/,7 ,8 ,3 3/0503/039 ,3/ 805,7,90
:7/.,507843,9 17425,7039.425,3,3/,3
.,2 ,,389 90 8:-8/,7 8 349, .,2,,389
905,70390;0452039 ,8889,3.0 3.039;08
$! 8, 574;/0 3.039;08 94 -,38 94:9
4;0732039 :,7,3900 . 0903/ 4,38 94
13,3., 0/:.,943, 3899:9438 .44507,9;08
4859,8,38.,33490903/50844,3894343708/039
#0,84314798
%4 .:7- :3/:0 850.:,943 3 14703
0.,302,709
:7907 703147.0 20247,3/:2 9,9 5084
/054898 84:/ -0 1:3/0/ 3,7/ 14703
0.,30 70299,3.08
8,70708/0398,3/.,3,;,50844,38!74;843814748808,3/7904118
,/ /0-98 , /0-98 /:0 94 ,3 -,3 43 .
390708985,89/:0,3/:35,/97,47/3,731,94347/01,943
&3/07 79 41 3.,80 41097,47/3,7
31,943 47 /01,943 41 .:7703. 895:,90/ ;,:0
41 .:7703.,9 92041 089,-82039 41 .4397,.9
8,-090-,88415,203947 097,47/3,7 31,943 47 /01,943 94 ,110.9
4-,9439014432:89-0574;03
%0702:89 1789 -0 411., /0.,7,943
1742$!
-,9438.4397,.9:,
!,7908057088,700/94.438/070/
0110.98 41 097,47/3,7 31,943 47
/01,943
97,47/3,7 31,943 089 03 9070 8 ,3
:3:8:, /0.70,80 3 90 5:7.,83 5407 41 90
.:7703. ,3/ 8:. /0.70,80 .4:/ 349 -0
70,843,- 14708003 47 ,8 2,31089 -043/ 90
.439025,943 41 90 5,7908 ,9 90 920 41 90
4-,943!:75480419947308 008
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
19/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
9947308 1008 ,70 349 3907, 5,79 41 .489 41
-4774 -:9 ,780 03 .40.93 :543 90 4908
-0.420830.088,7'%7:9303/3!4.
!7490.9.9031742,.41,,703088 4197:89.489
41.70/9 9490 :807-,88:73 1: /8.48:70 41
8:..489,3/570;039:3314720/:8041.70/98.48:70
%0 .70/947 8, 1:738 90 /0-947 , .0,7
89,9020393793809931479901443
,857.047/0;070/57.094 -0
,.6:70/
24:3994-0.70/90/,8!110703.0-09003,3/
,7083/;/:,9020/
%49,,24:3994-013,3.0/
3,3.0.,70
!07.039,09,9 13,3.0 -0,78 94 90 949,
,24:39949013,3.0/
#,943,0 57490.9 :8078 41 .70/9 1742 ,. 41
,,7030884197:0.489013943
70/9 ,3 4,32479,0/00/ 41 978:89,/;,3.0.43/943,8,0.4397,.97039,
3,3.0 .,70 3907089 1008 807;.0 .,708
/8.4:398 ,3/ 4907 .,708 3./039 94 0903843
41.70/9
70/947 ,3 507843 03,0/ 3 -:83088 41
0903/3.70/94706:70813,3.0.,70!03,908
; ,3 .70/947 4 1,8 94/8.480 8,-0
,-0147!47,24:3906:,949.04113,3.0
.,70706:70/, .0;07807
- ,-98,3490.00/
. :89 -0 -74:9 93 0,7 1742 /,90
414..:7703.0
723,130 349 0889,3 47 349 24709,3
47 2578432039147 349 088 9,3 248 347
24709,30,747-49
49,.9438.,3-03899:90/3/0503/039 41
0,.4907
:99070.,3,84-0,43/0741.,:80110.941;4,943
'4,943 8, 349 ,110.9 90 ;,/9 47
03147.0,-941,3.4397,.9
34384/,90/ ,3 ;8 $ 8,/9,9 03/07
.,3349 .,70 39070898 349 895:,90/ 3
574288473490
3&!;80:84 39070897,90574;8438 ,70
0, /:0 94 ;4,94341 2:9:,941 .4397,.98
,3/,84;4,90%025943414;0732039
%8,349,5594!55304;0732039#06:70//8.48:7043 .438:2074,38 349 :3/074503
03/.70/95,33 .70/947 0903/3 .438:207 4,3 47
97,38,.943 . 30907 .438:207 .70/9 8,0347
450303/ .438:207 .70/9 5,3 8, ,84 300/ 94
/8.48031472,94302590/97,38,.9438
8.48:70 706:702039 43 .438:207 .70/9
97,38,.9438 8, 349 ,55 94 9480 0903843 41
.70/98 147 -:83088 47 .42207., 5:75480 47 94
4;0732039470.48:704170,089,902479,0!74.0/:70
3 90 0;039 41 1470.48:70 41 ,3 2479,0 90
2479,47 ,8 90 79 94 70/002 90 5745079
934300,7,19078,04170,089,90
!:7.,807,9 ,:.9438,0 8,,;090 79 94
03907 :543 ,3/ 9,0 548808843 418:. ,1907 /,90
41.43172,94341,:.9438,0
3 1 5:7.,80/ -,38 90 ,70 349
706:70/ 94 809 :5 -43/ -01470 90 .,3 03907 90
5745079220/,90/:7370/0259435074/
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
20/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
79 41 548808843 2, ,84 -0 88:0/ ,1907
.4384/,943 41430785 415745079 33,20 41
-:07
:07 -0.4208 ,-84:90 4307 41 5745079 1 349
70/0020//:7390 0,7,190770897,94341
8,01905745079097,:/., 1470.480/-043 94
, :7/., 5078438 79 94 70/002 5745079 8,
-0 .4:390/ :39 349 ,1907 90 70897,943 41 90
.0791.,90411470.48:70
9 8,-03424709,324398,19071470.48:70
.0;0780,707
..08847 .4397,.9 41 70, 2479,0 8 :80/ ,8
80.:791471:1203941573.5,4-,943
4,3 ;,:0 8 43 507.039 41 90 ,557,80/
;,:0849,9,4-/57.0-02,/0,3/
-00,8079470/002#0,57450792,-02479,0/94,038
#0/025943 5074/8.4:390/ 1742/,9041
70897,943 41 90 .0791.,90 41 8,0 9708907
41/00/8
3,.943147,33:2039 412479,0 /4083498945
907:33341905074/4170/025943
90780 9070 8, -0 17;44:8 8:98 389,90/
94;02479,4724709209470/002
%0 ,24:39 70/002,-0 8 90 ,24:39 :3/07 90
2479,0 /00/ 47 90 4:989,3/3 4-,943 5:8
3907089,3/0503803$0.41
4 507843, 349.0 3 706:70/ 3 097,:/.,
1470.48:70418,083.098,.943370202,3/-014701470.48:70088039,
%070 2:89 1789 -0 /02,3/ -01470 9070 .,3 -0
1470.48:70,8 070 /02,3/,8 349 2,/090
4,38,349-0.420/:0,3//02,3/,-06:94170/025943;8#94170/025943
070 1470.48:70 8 :/., 2,/0 34 79 41
70/0259430893 .,80 902479,008 349,!47-,3
3 8:.,.,80 90 2479,47 8;0390 7994
093:8 90 2479,0 ,3/ 709,3 430785 41
5745079 - 5,3 /0-9 93 /,8 ,1907
:/2039#94170/0259432,-00903/0/-,7002039
894550,3 47 ,3 5:7.,807 8 /0020/ .4380390/ 94
09038434170/025943 19,/920944-0.9-:9
9//349#0/025943 ,19075708.759;0 5074/
#994 70/002-0.42081:3.9:8411.443 90
/,904198057
#0/025943 8-147.0 41 ,90-:07 8-4:3/
94,..05970/025943
40;07 9070 .,3 -0 79 94 705:7.,80
/0503/3439041-:07
%0-:078 349-4:3/94,..059705:7.,80 :30
370/025943
%0-:078,,84349-0-4:3/-90-/57.0
,8934-04389423,03430/ -,3 .,3349,.6:70430785 41
708/039, 49 - ;79:0 41 /00/ 41 97,38107 ,8
80990203941/0-9
%7,38107 41430785 0;03 147,290/ 5074/ 47
31470.48:70.,3349-02,/094,03110794705:7.,80349,;07946:089438,0
1 9070 ,8,3 4110794 705:7.,80 98, 349 -0
.43897:0/ ,8 ,;07 41 79 94 6:08943
1470.48:708,0
479,00 ,8 34 79 94 70.4;07 90 /01.03.1742 902479,47 41;,:0 414,3 1 1470.48:70
83;,/!7010770/89,9:8 41 -,38349 25,70/3 .,80 -477407
:3/0770,-9,943
3.,80 4170,-9,943 41.47547,943 /0-947 90
7941,.70/947-,3820708:8503/0/7941548808843
1907 .4384/,943 41990 3-:078 3,20/:094
1,:70 41 2479,0 94 70/002 90 79 41
548808843 -0.4208 , 2,9907 41 79 ,3/ 98
88:,3.0 3 , 097,:/., 1470.48:70 8 2070
238907,
3:3.943 94 574-9 88:,3.0 41 79 41
5488088438:99074:9415,.0
!74.00/3 3509943 1477941548808843 80
5,790,3/8:22,733,9:70
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
21/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
40;07 2479,47 89 ,;0 79 4170.4:780 94
50994394809,8/01470.48:708,0,3/.,3.0
794154880884338,20574.00/3,473;08920398
8, 089,-8 .7907, 147 70;03 2,47
,.6:89438473;0892039841-,303433;089203983.079,3,88098
,3 2, ,.6:70 70, 089,90 ,8 30.088,7 147 98
.43/:.941-:83088
%49, 3;0892039 43 8:. 70, 089,90 8, 349
0.00/41.,59,,..4:398
6:93;089203941,-,3 3,34907.47547,943
03,0/ 3 70, 089,90 8, -0 .438/070/ 5,79 41
3;0892039370,089,90
3 /0907233 .425,3.0 9 90 .03 90
14438,,55
4 3;0892039 8, 3.:/0 70,089,90 ,3/
06:52039 30.088,7 147 -,3 :80 8:. ,8
-,3 5702808 ,3/ 70, 5745079 41 -,3
:3/07983,20
4 %0.4894170,089,900,80/--,31742
.47547,943 ,3/,24:39 4106:93 08847
8,,84-03.:/0/
3.,8041%,,;8,3.4534 70,.0/98
2,2:2.,5,.9370,089,90,3/%,,
,8.70,90/- 2,47 894.4/078 94-:07-,8908 41 ,3/ 0,808 9-,. 94902 40;07
/01,:90/,3/%,,,398905,20394170398
%0.4:797:089,9%,,.,3349-0,40/94
.40.97039,8 9.0,78489,990970/94
.7.:2;0399070,089,903;0892039293.6:89434170,089,90-,418,981,.94341.,28
49989,3/3 90 29,9438 -,3 2, 89
,.6:709014435745079
479,0 949344/1,914780.:79
43;00/ 1478,981,.94341/0-9 !:7.,80:3/07:/02039472479,0
370,5745079 0/3 8:..7.:289,3.0 2:89
-0/85480/930,78
1907 8,/ 5074/ 9480 574507908 8, 34 -0
3.:/0/39029,943907,33$07;.08
-,32,,845071472901443807;.08
#0.0;0.:894/411:3/8/4.:20398 ,3/
4907;,:,-04-0.98
.9 ,8 13,3., ,039 94-:,3/ 80 147
907.:8942078
,0.40.943147,..4:398414907.9,82,3,3,03941 3;0892039
2,3,02039 ,..4:398
#0394:98,109/05489-408
,3 8, 5071472 ,8 , /05489,7 47 ,8 ,3
,039
9 8, -0/:805,7,90/ 1742 -,38 43 ,88098
,3/,-908$,109/05489-4
98.438/070/,8,850.,3/41/05489
9 .,3349 -0,3 47/3,7 .4397,.9 41 0,80 -0.,:8090 ,-84:90.43974,3/ 54880884341 8,109
/05489-48349;03947039078
%0 :,7/ 0 702,38 9-,3 ,3/ 7039078 0
702,33.:894207
070 90 703907 08 ,70 /:5.,90/ 90 -,3 8
349,-094090770390783.,8041488
,997-:9,-094902
%0 $ 8,/ 9,9 9.,3-0 .438/070/ ,8 , -,47
,3/-,0070,94385
:90841905,79082,-0/0130/-902
%0 .425,3 70393 8,10/05489 -40/ .,334900259 9801 1742 ,-9/:094 1,:9 4198 43
,0398
3 $, ;8 , -,3 ,8 0/ ,-0 147 349
220/,90 314723 90.:894207 9,988,109
/05489 -4 ,8 144/0/ . .,:80/ /,2,0 94
9090284190.:8942070.9743.97,38,.9438
$! 8, ,;0 1: ,:9479 94 70:,90 :80 41
00.9743. /0;.08 3 .4330.943 9 -,3
4507,9438:984:7.34131472,94390.344
,3 2, 4:984:7.0 31472,943 90.344
889028 ,3/ 574.08808 0.059 307039 -,33
1:3.9438
:3.94389,9,703494:984:7.0/
$97,90.5,333147:8041%
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
22/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
090723,943 4188902 1:3.943,908
,30 2,3,020393.:8;0 41 6:,9
,88:7,3.0
$07;.00;0,3/.4397,.92,3,02039
$0.:7954.,3/,/23897,943
':984:7.34149071:3.9438$:-0.9 94 5747 ,5574;, 41 -,38 2,
4:984:7.0/,9, 2,38947,070970;,,3/
490770,90/889028
,382,4:984:7.0.70/9.,7/807;.08'70/9,7/%7,38,.94380307,54.
$! 8, /0;045 .438:207 .70/9 974:
334;,9;0574/:.980139434190728
70/9.,7/,3.,7/5,90.4:543-4447
4907 .70/9 /0;.0 147 90 5:75480 41 4-9,33
24305745079,-4747.70/9
70/9.,7/70.0;,-08949,4:989,3/3-,,3.0
41.,7/4/078
32:2 ,24:39 /:0 232:2 ,24:39 9,9
.,7/4/07300/8945,43/:0/,90
01,:9 3435,2039 41 232:2 ,24:39 /:0
9394..0/,908
..007,943 .,:80;08 -,3 90 79 94
/02,3/4-,94331:3.,8041/01,:9#82,3,02039 88902
$8902 9,9 8, 8,10:,7/ 39070898 -,38 ,3/
8:-8/,7.70/9.,7/.425,30832:2706:7020398
01470 88:3 .70/9 .,7/8 -,38 2:89 007.80
574507 /03.0 -,8.079,33 ,55.,39 5488088
44/.70/9 89,3/3,3/,7013,3., .,5,-0 94
1:15,20398
,55.,9438 2:89 4 :3/07 897.9 .70/9 78
,880882039574.08831472,94394-0/8.480/
,38 8, /8.480 94 0,. 574850.9;0
.,7/4/07 34313,3., .,708 507.039,0 41
39070898 3907089 7,90 507 ,33:2 389,2039
/09,8/01,:9100809...7:,4139070890,730/
3907089 ,..7:0/ 8, -0 70807;0/ ,3/ 34 ,..7:,
8, -0 ,40/ /,8 ,1907 .70/9 .,7/
70.0;,-0,8-0.4205,89/:03,3.0.,7083907089.,70/94.,7/4/0701077,.,708
!,7908 .,3 ,700 94 , /01077, 41 , 47 5,79 41
:35,/ 389,20398 ,3/ 8:-806:039 .40.9
/01077,.,70
,905,2039,3/503,910084 ,90 5,2039 47 503,9 100 8, -0 .40.90/
:3088981:/8.480/390.4397,.9431/039,9131472,943
,38 8, 005 897.9 .431/039, /,9, 43
.,7/4/07 0.059 039070 8.438039 0.,30
41 31472,943 9 4907 .70/9 .,7/ .425,308
/8.48:7094.40.93,039$:8503843 90723,943410110.9;9,3/70,.9;,943
-,388,1472:,905,7,2090781478:.
3850.9434170.47/8.4;073.70/9.,7/97:3.,9438-,388,2,0,;,,-01473850.943.70/9
.,7/31472,94394$!11809
,38 .,3411809 907 4-,9438 9 .,7/4/07
990,99078/0-98574;/0/90708349.0
,3/341.425,398
-,3 8, ;0 .,7/4/07 /,8 94 0,230
.,708 ,3/,1907-3..08 -,3.,3.4770.9
07747&31,7.40.94357,.9.08
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
23/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
-,38 8, 708479 94 0,507288-0 20,38 94
.40.9,24:39/:0:3/07.70/9.,7/,7002039
%0708,-034:8041970,947;403.094
.407.05,2039,3/341,80705708039,943//943,/05489/4083493.70,80.70/9294397,.941,/0843
4397,.9 -09003 .,7/4/078 ,3/ .70/9 .,7/
.425,308 ,70 .4397,.9 41 ,/0843 -0.4208 90
,705705,70/43-4305,79,3/904907 5,79
4383108,3091700/421742,-983;,/
%0.70/9 .,7/.425,3 .,33490.:8098011742
,-9.425090,89-,309411700/42
'#:0841!7.09,83057.09,706:702039
;07 709,07 8 706:70/ 94 /85, 57.0 9, 94
3/.,9057.04144/47807;.0
!7.09,2:89-079903.0,73/.,9390
57.0 3.:/3 '% $07;.0 .,70 8, 349 -0
3.:/0/357.09,4/0415,2039
9 8 30.088,794 .438/07-:8308857,.9.08
70,9;09424/0415,2039:3/07!7.0%,,
03.438:2075,83.,808,435,90
57.03/.,90/
03 .438:207 5,8 974: .70/9%/0-9
.,7/08,435,57.03/.,90/39,
03709,07411078.438:20745943945,3
.,8 47 .,7/ 90 8,20 8 ,40/ 574;/0/ 9,9
459438 ,70 /8.480/ - 805,7,90 31472,943 -:9
349439057.09,
!7.0 9,9 3/.,908 805,7,90 .,857.0 ,3/ 70:,7
.,857.08349,40/!7.0 9, 9,93/.,908 805,7,9057.09, ,3/ .,7/
57.08,84349,40/!74-943,,3898:7.,73
#09,078 4 4347 .70/9%/0-9 .,7/8 147
5,20398,349706:705,2039 41 8:7.,70
4;07,3/,-4;09057.09,
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
24/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%# !74-90/ %7,38,.9438 ,3/088,943
41,33:83088!74-90/%7,38,.9438!74-90/94,.9,838:707
,38,349/70.903,0338:7,3.0
-:83088,838:707
38:7,3.0 ,.9 8, 3.:/0 2,3 38:7,3.0
.4397,.9 8:709 .4397,.9 /43 -:83088 41
7038:7,3.0
,.99,93457419 8/07;0/ 8, 349 -0/0020/
.43.:8;0 94 84 9,9 9070 8 34 38:7,3.0
-:83088!74-90/,.98
4/70.9478, ,01,800397083,3-,3705479
94:9 47/07 41 .4:79 /8.480 94 ,3
:3,:9470/ 5078438 ,3 31472,943
70,9;0 94 1:3/8 47 574507908 3 .:894/
41.:8942078
..059 198 1008 47 .4228843 3
.4330.943147,5574;,414,3
;07;,:0 , 80.:79 147 5:75480 41
31:03.3,.943841-,3
:984:7.0307039-,331:3.9438
W
%8 8 94 038:70 80.70. 41-,3/054898
4-47748,
7,:/:0394;07;,:080.:791474,3
:738 1,80 2,907, 1,.98 94 4-9,3 47
3.70,804,3
990259 94/017,:/ -,3 30;039 41 .4:79
,.9439470.4;074,3
1107,3 ,319 100.4228843
9431:03.050784394,5574;04,3
40,2307411.074702540041$!,8830/
94 8:507;80 0,2307 703/073 90.3.,
,8889,3.094-,38,.422990147043,.98
4-,38,0254.,:8,4734370:,7
50784330 47944039574-,943,750784330 3
-:830883;4;3-,3/054898!74-943 ,,389 :984:7.3 079,3,33
:3.9438
:984:7.3 307039 -,33 1:3.943 8,
70107 94 ,3 .4397,.9 -09003 90 -,3 ,3/
807;.0574;/07 14790 ,9907 948:55 47,3
,.9 070- 90 ,9907 8:5508 90 2,35407
94807;.0 90/05489 97,38,.9434190147207
43/:.93-:830883,3:38,1047:384:3/2,3307
%4 /0907230 0907 ,.9 47 428843 8
.438/070/ :38,10 47 :384:3/ 147 -,33 90
14438,-0.438/070/
#08:90/ 32,907, /,2,0 47 ,-3472,
789489,-984;03.41-,3
#08:90/ /,2,0 3 /05489478 .70/9478
3;08947475:-.
,:80 :3/:0 3:7 47 :3,77,390/
-03019894,35,79 3;4;08 039073 .4397,.9 2,31089
/8,/;,39,04:8 94-,3 70,7/088 1
57419
.,3 9,0 ,.943 ,3/ 0.:/0 0773 -,3 1742
.0,73!74-94343/;/03//0.,7,943
4 -,3 8, /0.,70 /;/03/8 70,907 9,3 98
,..:2:,90/ 309 574198 43,3/ /0/:.93 98
48808,3/-,//0-98
%0-,38,,84349/0.,70/;/03/8 1,9920
90708
4 0,73,..4:393$!84;07/7,3
4 01.039 3706:70 6:/9 1447 147 47
2470.4380.:9;0/,8
4 408349.42596:/989,3/,7/8
4 422990/2,47;4,943
,38 ,70 039908 002590/ 1742 2574507
,..:2:,90/ 0,7338 9,418,/3.420-
#'&3,:9470/,/;079802039 47-:83088705708039,943
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
25/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
45078438 47.47547,943 8, 03,0 3-,33
-:83088 8, ,/;07980 9,9 9 ,8 ,-:83088 41,
-,36:,8-,34797:890399'!,.02039 :3/07.43807;,9478574:3/8147,55439203941.43807;,947
030;079013/890-,33,89,9041
4393:3 3,-947
&333088 942,39,3 ,.43/943 41
6:/9 /0020/ ,/06:,90 94 57490.9
/05489478,3/.70/9478
2, ,55439 .43807;,947 9 1443
54078
%,0.,70 41,88098 ,-908,3/
2,3,02039 907041
#047,302,3,02039 40.924308,3//0-8/:0
07.80 , 54078 30.088,7 94 7089470
;,-9
43807;,947 8,705479 94,3/ 8, ,;0 90
5407 94 4;077:0 47 70;40 ,.9438 41 570;4:8
2,3,02039
#0,-9,943 574.00/38 574;/0 147 06:9,-0
/897-:943 41 384;039 /0-9478 702,33 ,88098
94 98 .70/9478 ,3/ ;0 /0-947 , 1708 89,79 -
700;390241900941907/0-98
6:/9 ,-9 41 ,3 ,8809 94 -0 .43;0790/ 3
.,86:.,3/94:9/8.4:39
$4;03.,-908,24:39940889,3949,
,88098574;/3,-9945,/0-98
%089 41 384;03. /0907233 70,,-0 ,88098
41-,380889,398,-908
384;03.41-,34..:7803,.9:,.,8
2,709 ;,:0 41 98 ,8809 8 38:11.039 945, 98
,-908
$! 8 ;0890/ 9 0.:8;0 ,:9479 94 ,88088
0;,:,90,3//0907230.43/943 41,-,3
0907 9 8 384;039 47 349 1 384;039
70.0;0785574.00/38":,1.,94341.43807;,947
#02:307,94343807;,947 8,70.0;0 702:307,943 94-0 10/
- 3,3 ,24:39 349 940.00/ 908,,7
415708/039 41-,330,75,,-0306:,
389,203981 93 430 0,7 90 .43807;,94785 8
90723,90/ 43 74:3/ 9,9 3899:943.,3 4507,90
439843.43807;,9478,70.0;0-,,3.0
:9 1 9 8 90723,90/ 43 8420 4907 74:3/
.43807;,947 8, 349 -0 03990/ 94 702,33
-,,3.0
.,3 ,55439 .43807;,947 .4330.90/ 94$! 3
..,8008,349 70.0;0702:307,943 1742
$!50380841.43807;,94785
98,-0-4730--,3.43.0730/%0723,9438 41.43807;,94785
8,90723,9090.43807;,94785 898
8,9810/9,9-,3.,3.4393:04507,9438
43807;,94785.,3,84-090723,90/43-,8841
70547941 .43807;,94747 984313/384:/
3;4;0488
3 8:. ,8 .,80 9070 8, -0 70.0;0785 47
6:/,9433,,3/00.:947
.943 41 8,-013, 0.059 43509943 147
.07947,73.,80417,;0,-:8041/8.70943
98,-010/93/,8174270.05941
349.0 41 -4,7/ 41 /70.9478 41 .43807;,94785
70.0;0785476:/,943
.:8;0540794,55439.43807;,9478,03
083,943 41 .43807;,9478 349 570.43/94394
/083,9434170.0;07
!407 41 .43807;,947 .,3349 25,7 4-,9438 41
.4397,.9843807;,947 2:89 -0 .42509039 ,3/
43807;,9475407 94 70;40 .4397,.98.,3349
340/0,-0 3 -,3 4507,9438 ,3/ 54891,.94 ,110.9 50710.90/ 97,38,.943 ,894:/
2,3,02039 3173034325,72039.,:80!074/41.43807;,94785 8,3490.00/0,7
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
26/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
43807;,9478;0354079470;40.4397,.98
43 9480 9,9 ,70 /010.9 ;4/ ;4/,-0
:303147.0,-0 708.88-0
43807;,94720709,085,.041-4,7/ 41
/70.9478
43807;,947 .,3349 825 705:/,90 ;,/4-,9438 41 90 -,3,3/2:89-73902 94
.4:79,.9438
3!;890.4:797:0/9,990.43807;,947
.,3349 70;40 , 570;4:8 ;,/ .4397,.9 039070/
-90-,30;03 94: 904-0.9 4190 .4397,.9
,8,0757.0
3.43807;,94785 90-,33 1:3.9438 .4393:0
:30370.0;0785,3/6:/,943'088,94341-,33-:83088'4:39,76:/,943
3 ;4:39,7 6:/,943 -,3803/8 94 349.0
416:/,943
4;4:39,7 /884:943 8, -0:3/079,03 -,
-,3 94:9 5747 ,5574;, 41 #06:089 41
;4:39,7 /884:943 8, -0 ,..425,30/ -
6:/,9435,3#0.0;0785,3/6:/,943
%0 .,38:22,7 ,3/ 94:9300/415747
0,73 147-/ 90 3899:943 1742 /43 -:83088,3//083,90!,870.0;07
74:3/814770.0;0785,3/6:/,943
&3,-0 945,,-908 9,9,70 /:0%8
8, 349 3.:/0 3,-9 945,.,:80 -
097,47/3,7 /02,3/8-13,3.,5,3.
38:11.03970,,-0,88098
,3349 .4393:0 -:83088 94:9
3;4;3 574-,-0 488 94 /05489478 47
.70/9478
1: ;4,90/ .0,80 ,3/ /0889 47/07
3;4;397,38,.94384117,:/
3 .,80 , -,3 349108 $! 47 5:-.
,334:3.08 -,3 4/,070 9 8:8503/8
5,2039 41 98 /05489 ,-908
.4393:4:8 14724709,3/,8
47 6:,8-,38 ,3 5078438 70.430 3
.4250903.0 3 -,33 2, -0 /083,90/ ,8
70.0;07
:77039,3/.4250900,23,94334930.088,73#:7,,341$,3:0;890$7:0/
9,9 9070 8 34 300/ 147 .425090 0,23,943
-0.,:80943300/8,705479
70547988420939,9;0831472,94300,23,943 8,80,7.3;089,943478.7:93
-803.0410,23,943-01470.48:7041-,3
/40834920,39,99070834-,88147.48:70!74.0/:70
#0.0;078,220/,90
%,0.,7041,,88098,3/,-908
/23890790 8,20 147 -0301941
.70/9478
07.80 0307, 5407 4170.0;07 :3/07
#$, 3495,47 ,3,.99,9 3;4;08
97,3810741,880941-,3
#0.0;072, /0548947 5,.01:3/841 -,3 3
343850.:,9;0 3;08920398
#0.0;07 8, /0907230 93 /,8 1742
9,04;07 0907 3899:943 2, -0 70,-9,90/
47490780
090723,943 41708:25943 41-:83088 88:-0.9
94,5574;,41
3 %0, 4947 ;8 70.0;07 ,8 /0130/ ,8 ,
3/1107039 507843,55439-90.4:79 94570807;0
901:3/8419039,943503/03990
08349,3,03947705708039,9;041,35,79!74-90/,.98
3 /70.947 47411.07 /0.,70/ 384;03947:3/07
70.0;07858,349.4229
#01:80 94 9:73 4;07 -,3 70.47/8 ,3/
,880989470.0;07
%,25079-,370.47/8
557457,90147 2801 47 4907 5,79
,8809841-,3
#0.0;0-,3/05489847.40.94,38
!,31:3/841-,3
%7,381077380.:7941-,3033899:943.,3349-070,-9,90/
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
27/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
1 70.0;07 /09072308 9,9 -,3 .,3349 -0
70,-9,90/ 8, 3491 90 -4,7/ 41
/70.94789,998,574.00/96:/,943
%070.0;078,1005,7909#%,509943
147,8889,3.03 90 6:/,94341 90 -,3
5:78:,39946:/,9435,341!4:79 8, ,/:/.,90 /85:90/ .,28 ,8889 90
03147.0203941,-908
#0.0;078,5,.48941574.00/38 1742 ,88098
413899:943
#0.0;07 8, .43;079 ,88098 41 3899:94394
2430,3//85480908,20 94.70/9478 ,3/4907
5,7908945,-,3/0-983,,3/00.:947
:8903 90 .,80 41 .43807;,94785 90 ,.943
418,-013,,3/00.:947 :30889070 ,8
-003.07947,7
3#:7,,3 41$,3:0;8.48:7041,
-,38,3007.804154.05407
3 43 894.4/078 41 -,3 .,3 10 ,.943 147
,33:2039 41 7084:943 41 5,.3 -,3 3
70.0;078548040,7,907$.020
%0 , /408 349 .439025,90 5747 349.0 ,3/
0,73 -01470 -,3 2, -0 /70.90/ 94 8945
4507,9438,3/5,.0/:3/0770.0;0785
!70;4:8 0,73 -01470 .48:70 8 349 706:70/ 3
90,,3//40834931730/:0574.088
40;07 -,3.,36:089439070.0;0785
93/,8,190770.0;0785
480 34 0,7 ,907 57,.9., .438/07,943 94
570;039:3,77,390//885,94341 -,38,88098
,3/ ;,/ 007.80 41 54.0 5407 94 57490.9
/05489478.70/9478,3/5:-.
1 490780 9070 2070 13 41 70.0;0785 -
$! .,3 9707 -,3 7:3 ,3/ /7,3 98 ,88098 3
/,8474:70,/394384;03.110.9411350994314770;0
!03/03. 41.,806:089433 70.0;0785 /408
349 /238 41 70.0;07 94 ,/238907 -,38
97,38,.9438 5079,33 943472, 4507,9438 41 90
-,3
#0,8438-03/70.0;0785,3/3;4:39,76:/,943 ,33-:83088 88:-0.9 9470:,943:3/07
54.05407,3/,70,110.90/95:-.3907089
9 8 90 4;0732039 7085438-9 94 800 9,9
13,3., 3907089 41 /05489478 ,3/ 49078 ,7057490.90/430974:$!
!:-. 1,9 3 -,33 88902 2, /090747,90 1
/05489478 .70/9478 ,70 349 57490.90/ $! 8,
89053,3/8,;,0702,337084:7.0841-,3
-803.0 41 349.0 ,3/ 0,73 8 349 , 74:3 94
,33:7084:943110.984170.0;0785#090394341:7/.,507843,9
%070 8, -0 70903943 41 :/., 507843,9
0;0394:9847/070/.480/-
%08:32:89-0/430974:906:/,94749,-0945,3907089
,38/0.,70/384;039,3/47/070/.480/-
$!.,3349-00/,-0945,3907089
03 -,3 8 .480/ 9 .,3349 03/ 2430
03,0 3 97,38,.9438 47 ,3 -,33 ,.9;908
0709.,3/07;03.4201742
%:89070834,90-,3.,35,903907089
90,..7:0831,;4:74198/05489478
40;07 9070 ,70949 50841/054898 9,9 0,73
3907089 %0 1789 430 /05489 9,9 0,73 1742 90
08903.0:39 90-,3.0,80 944507,90%8 430
2:89-05,/%080.43/ 3907089 0,730/ 1742 90
92090-,3.480/:395,203941 /054898
%039070890702:89349-05,/88098/0020/:3/07:894/,08
88098 1 90 -,3 -0.4208 -043/ 98 .43974
#0.0;07 4507,908 94 8:8503/ 90 ,:9479 41 90
-,39498574507908
88098 41-,3 8,-0.:894/, 08 3,3/8 41
70.0;07 ,3/ 002590/ 1742 ,7382039 0;
,99,.2039
6:/,947 9,88 94 /85480,,8809841 90
-,3 ,3/ 0110.9 5,79, 5,20398 41 -,38
4-,9438$9,4100.:943
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
28/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
$9, 4100.:943 8,77,39 1-,3 85,.0/
:3/0770.0;0785
%4 00.:90 , :/2039 ,,389 , -,3 :3/07
70.0;0785 4:/:3/: /05090 98,880989490
570:/.041/05489478,3/.70/9478
#0897.94341-,38.,5,.994.9384;03.41-,370897.9898.,5,.994,.9
,3.,33492,030 -:830888:.,8 ,..059
30 /054898 47 7,39 4,38 :9 70.0;07 2:89
.40.9 /0-98 3 1,;4:7 4190 -,3 9,9 1472
5,7943-,3,8809
470.48:70 1,893 -4,7/ /013943 41/43
-:83088
43 -:83088 .4393:9 41 .42207.,
/0,38 ,3/ ,77,3020398 3./039 94 4-0.9 41
47,3,943
40;07 9 8, 349 -0 3.:/0/ 3 9480 ,.9
574-90/1742/43-:83088
%:8 0;03 1 9070 8 70.0;078547 6:/,943
905074/ 415708.75943 941470.480 .4393:08 94
7:3
3 ;8-,30 90 .4:79 7:0/ 9,9 70.0;07 .,
89 .40.9 3907089 43 4,38 /:73 5074/ 41
.48:7007.8041:78/.943416:/,943.4:79
.,2841-,32:89-010/3$!
9894570;0392:95.941,,389-,3
.:8;0 :78/.943416:/,943 .4:79 5079,38
4394,/:/.,943 .,28,,389-,3,3/ /408
349.4;0770;078089:,943
49 30.088,79,9.,28 39,/85:90/
-014709810/
3 3 ;8 1 -:07 -4:9 , 5745079 1742
90-,34 8,70,/ /0.,70/384;039 8,0 8
;4/'8548943,3//897-:94341,88098
3.,80416:/,943,19075,203941.48941
574.00/38 70.0;07 8,5,/0-98413899:943
3,..47/,3.0957010703.041.70/9 3
:77039 ,..4:398 ,3/8,;38,..4:398 ,70 349
57010770/ .70/98 3.,808 3;4;3 384;03.
0709070,70;,74:8.70/9478
85489434170;03:08,3/0,7338 70;03:08 ,3/ 0,733 70,0/ - 70.0;07
/:73 70.0;0785 8, -0 :80/ 94 5, .4898 41
574.00/38
%0 -,,3.0 41 70;03:08 8, 1472 5,79 41 ,88098,;,,-0945,203941.70/9478
854894341-,3317,3.80$! 15:-. 3907089 706:708 ,,7/ 94,34907
3899:94390-,3317,3.80:3/076:/,943
,90;07574.00/82, -0 70,0/1742,,7/
8,-08:-0.9940.:8;0/854894341,-908
,38-4:3/-90,.98471,:7094,.941
70.0;07
#0.0;078,-094-,3147.:5,-0 ,3/
30039 1,:70 94 .40.9,3/ 8,10:,7/ ,88098 41
8:.-,38
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
29/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
!%#4703,38,3/%7:89507,94384703,38%7,38,.93-:83088390!55308
#4703,38-07,,943.9!43/:.9414118470-,33-:83088
118470-,33.43/:.941-,3397,38,.943
314703.:7703.08
118470-,33:39-7,3.41,14703-,3
.47547,943 ,:9470/ -$! 9497,38,.9 4118470
-,33
4703 .47547,943 /43 -:83088 3 90
!55308,70706:70/944-9,3,.0380
40;07 0;031 14703.47547,9438 /4349,;0
,.038090.,389-08:0/47-08:0/
.0380 84330.088,7 19 814797,38,.9347/43-:83088390.4:397
.6:894341;493894.3/42089.-,34703-,38,70,40/0397390!55308
8:-0.9949014437:08
93 0,78 1742 0110.9;941
8, ,:9470 14703 -,38 94
,.6:70 ;493 894. 41 /42089.
-,3
93 8,205074/ 2,,4
14703 -,3 . 5747 94 ,8,70,/ ,.6:70/;493 894. .,3
34,.6:70
2:89 038:70 9,941 7084:7.08 41
-,3388902,70 0/ - 2,479
430/53484.,-7,3.084114703-,38
4703-,38 . ,8 2470 9,3 -7,3. 3
90 !55308 , 8:. -7,3.08 8, -0 970,90/
,8:390,/411.0:,7,3900
0,/411.0 8, 1::,7,3900574259 5,2039
41,,-9084198!55308-7,3.
#08/0398 ,3/ .9038 41 90 !55308 9,9 ,70
.70/9478 41 14703 -,38 8, ,;0 570107039,
7994,88098418:.-,38
&3/07 # 14703 -,38 ,;0 9700 24/08
410397390.4:397
.6:73 41 ;493 894. 41 0893-,3
3;0893 41 ;493 894. 41 30
-,33 8:-8/,7 3.47547,90/ 3
!55308
89,-83 -7,3.08 9 1: -,3
,:9479
14703-,32, 43 ,;,43 24/041
0397
43 89,90/9,9-7,3.0841 14703-,38
-0970,90/,8430,3/8,,;0900,/
411.0:,7,390094.70/947534.903840;0790708 34933 90 ,9,9 89,908
9,9 .9038 9,9 ,70/0-9478 94 14703-,3 4.,
-7,3.088,,84-0/0-947894900,/411.0
%0708,843493 390,9,9900,/
411.0 ,3/ 98 4., 14703 -7,3.08 8, -0
970,90/,8430
%:8 .425038,943 9 !5530 -7,3.08 9
14703-7,3.08.,3349-0 0110.90/ ,890.,3349
-0.438/070/.70/9478,3//0-9478410,.4907$:22438,3/0,574.088
$:22438 2:89-0;03 9490!5530 ,039470,/4114703-,394,;0:78/.943
190708 34,039 8:22438 2,-02,/0 :543
$!/05:94;073473.,70
3.0;03 98,-00110.9,812,/0:543-,3
47,039
$! /05:9 4;073473.,70 8, 2, 9 9490
-,3 ,3/ 803/3 .45 8 , 30.088,7 5,79 94
.425090807;.0
3 90 .47547,943 .4/0 90 807;.0 3 .,80 41
,-803.041,0398,-0;0394$
,8,55.,-0
4703 -,38 8, -04;0730/ - ,3/
4907,55.,-0,88:.,847547,9434/0#0;4.,94341.03804114703-,38
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
30/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
2, 70;40 .0380 1 9 13/ 14703 -,3
384;039 47 223039/,30741 384;03. ,3/
3;4;0574-,-0488
1907 70;4.,943 9 8, -0 :3,1: 147 14703
-,39497,38,.9-:83088390!55308
397414703,38$9,90 8, /0;490 80170,39 ,3/ 3/0503/039
3,943,0.4342
:/0308147,5574;,
38:70047,5. 705708039,943
438/07897,90.97,/070,943858
$9://0243897,90/ .,5,.9
$0070.574.94179
438/07 33088 94 1: 8,70
90.344
3 9480 -0433 94 945 3 90 47/ 47945 -,38 3 907 .4:397 41 473 8, -0
,40/0397
%4 089,-8 , -7,3. 47 8:-8/,7 14703 -,3
2:89 -0 /0430/ ,3/ 5:-. 890/ 3 98
.4:397473:30884;0732039430/
,59,706:702039
47 4., 3.47547,90/8:-8/,708
8,20 232:2 .,59,9/42089.
-,38
4703 -,3 -7,3.08 &$ /4,7
06:;,039 41 ! ,9 0.,30 7,90/:730110.9;9 41.9%014703-,3
8,-00399094
4703 -,38 2, 4503 ,//943,
-7,3.08 /083,90/ - ! 507
,//943,-7,3.08
4703-,3893 0,717420110.9;9 41
98 ,.9 843,40/14703 -,39403907 90
.4:397
3,//943,14703-,382,-0,40/
0397-70.42203/,943 41
43534 .9038 .,3-0 202-078 41-4,7/ 41
/70.9478 :5 94 90 09039 41 90 ,40/ 14703
5,79.5,943
!5530 .47547,9438 4 ,;0 890/ 8,70 41
894. 3 !$ 47 43 89,3/3147 0,78,
,;079 9443 ;493 894. 41,/42089.
-,3
893 4., -7,3.08 41 14703 -,38 8, -0
;03 0,78 94 .425 9 232:2 .,59,
706:702039
#,8,5574;0/43,%7:89507,9438:94799403,0397:89-:83088
%7:89 -:83088 ,3 ,.9;9 708:93 3 97:8947
97:8900 70,94385 3;4;3 ,554392039 41 ,
97:8900- ,97:8947 147 90,/23897,943 4/3
2,3,0203941 1:3/8 47 57450790841 97:8947 -
9097:8900
98 14790:80-03019 47,/;,39,0 419097:8947
474907-0301.,708
,7/3, 573.50 41 97:89 ,3/ 4907 1/:.,7
70,9438581/0943/:.94197:89-:83088
%7:89 0399 8, ,/238907 90 1:3/8 47 5745079
:3/0798.:894/9/03.09,9,57:/039
2,34:/007.80
%7:89 0399 894. .47547,943 47 507843
,:9470/-9403,0 397:89-:83088 8,
,.9 ,8 97:8900 47 ,/238907 ,3 97:89 47 4/
5745079397:89
4 97:89 03998, 147 90,..4:39 41 90 97:8947
47-0301.,7
5:7.,80,.6:70805745079
97,38107 47 5:7.,80 2430 47 /0-9
3897:20398 174294#$ 41 97:89 0399
,3/70,9;08411789.;/0700
:3088,:9470/-90 97:8947 ,1907 5747
1:/8.48:704197,38,.943#0897,94341,79.08413.47547,943,3/-,841
97:890399
$8,3497089078:.:3088 ,..425,30/ -
.0791.,9041,:94791742$!
97:89 -:83088 8, 89,79 174290 242039 907
,79.08413.47547,9438,707089070/32:2.,59,,943
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
31/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
97:890399 -01470 03,0 3 97:89 -:83088
8, .425 9 232:2 5,/3 .,59,
706:702039-!40784197:890399
.9,897:890043,32479,0 47-43/,3/,..059
,3/00.:90,397:89.438890399,
.9:3/0747/0741,3.4:79,8:,7/,3 70.0;07
97:8900 47 /05489,7 41 089,90 41 2347 47
3.42509039507843
.9,800.:94741,3
.9 ,8 00.:947 41 089,90 41 ,3 /0.0,80/ 507843
9,47,/23897,94794:9,
..059,3/00.:9097:891474/32,3,02039
,/23897,943 41 089,90 ,3/ 70398 88:08 574198
907041
89,-8,3/2,3,0.4224397:89 1:3/8%7,38,.9438706:735747,:9479
%7:8900 47 97:89 0399 8, 349 :3/079,0 ,3 41
90 1443 97,38,.9438 147 90 ,..4:39 41 90
.039 :3088 9070 8 5747 1: /8.48:70 ,3/
,:947,943-.039
03/ 80 97,38107 47 ,883 2430 47
5745079 94$# 41 97:8900 70,9;08 41
97:8900 47 70,90/ 3907089 41 8:. $#
070 97:8900438 ,90,89 41 ;493
894. !:7.,80 ,3/ ,.6:70 5745079 47 /0-9
3897:20393908,202,3307
3;089 3 06:908 47 3 80.:7908
:3/0779903 -97:8900 3.97:8900
,83907089
$0 97,38107 ,8834703/ 2430 47
5745079174243097:89,..4:3994,34907
,..4:3905489147901,91:5071472,3.04197:89/:908
01470 97,38,.93 97:89 -:83088 90 2:89/05489 94 $! 147 1,91: 5071472,3.0 41 97:89
/:908 ,3,24:39 349 088 9,3 4707 ,8
2,-010/-$!
8, 706:7097:89 0399 94 3.70,8090
,24:39 030;07 90 3.70,80 8 30.088,7 -
70,8434197:89-:83088
!,/3 .,59, ,3/ 8:75:8 41 0,. 03992:89 -0
06:,94 90 ,24:39706:70/94 -0 /054890/3
$!
3 .,80 9 8, 349 2009 90 706:70/ 5,/3
.,59, 90 8, 29 47 574-9 /897-:943
41 574198 - 97:89 0399 :39 232:2706:702039 8209
%7:89 0399 ,8 43 ,8 84;039 ,3/ .425 9
,8 8,,;0 9079 94.40.9 3907089 0,730/
4380.:79/054890/94$!
1 97:89 0399 1,8 94.425 9 ,$! 8,
709,3 3907089 41 80.:7908 147 -03019 41 791:
.,2,398
.,28 ,783 1742 97:89 -:83088 8, ,;0
57479 4;07 , .,28 ,8 70,7/ 94 90 80.:79
/054890/'43/ 41079,3 !078438 147 90,91: !071472,3.0
41:90843/706:702039
01470 00.:947 ,/23897,947 :,7/,3 97:8900
70.0;0747/05489,7 ,554390/ -90.4:79 03907
:54300.:94341/:08.4:792,47/07-43/
&543,55.,943 418:.5078438 ,1907 349.0,3/
0,73.4:798,47/07 9,98:-0.92,990741
97:89-0/054890/997:890399
&5435708039,943 4157441 9,9 8:-0.92,9907
,;0-003/054890/ 94 97:89 0399 .4:79 2,
47/07 9,9-43/ -0 ;03 -8:. 5078438 147
1,91:5071472,3.0
#0/:.0 -43/ 8, -0 8:11.039 94 80.:70
,/06:,90 90 574507 ,/23897,943 41 ,3
57450790259434197:8903991742-43/706:702039
4-43/8,-0706:70/ -.4:79174297:89
03991471,91:5071472,3.0
40;07 .4:79 2, 47/07 -43/ 147 90 57490.943
411:3/8475745079.431/0/'507,943841%7:89399$05,7,9434197:89-:8308817420307,-:83088
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
32/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
%0 97:89 -:83088 8, -0 059 805,7,90 ,3/
/893.91742900307,-:83088
%0 8, -058., 805,7,90/ 1742 ,88098 41
984907-:83088
%0 8, -0 :3/07 90 439 .:894/ 41 ,9 0,89
94 5078438 4 ,70 411.078 41 90 97:89/05,792039
3;089203929,94341,97:890399&3088 490780/70.90/ - 3897:2039.70,93
90 97:8990 03/347 3;089203941 1:3/8-
97:8903998,-0290/944,38,3/3;0892039
,85708.7-0/-,47.4:79
88098 70.0;0/ 397:89 8, -0,/2389070/ 9
9072841903897:2039.70,939097:89
197:89 0399 8;03 /8.70943,7 54078 94
3;0894,38,3/3;089203988,-0290/94
;/03.0413/0-90/308841#!,3/$!
4,38:,7,3900-4;0732039
4,38 1: 80.:70/ - 4/4:9 43
,8832039 47 50/0 41 /054898 9,9 ,70
2,39,30/
4,381: 80.:70/- 70,089,9047
.,9908
%0 1443 8, -0 706:70/ 94 -0 ;03 ,8
31472,943
%7,38,.94394-0039070/
47740783,2024:393;4;0/
4,907,80.:79#0,089,90,.6:70-97:890399
%7:89 0399 2, ,.6:70 70, 5745079 :3/07
1443.7.:289,3.08
479,0 94 9 3 44/ 1,9 - , 41
80.:7994/0-98
43;00/ 94 9 147 8,981,.943 41 /0-98
570;4:8.4397,.90/
!:7.,80,9 8,08:3/07:/2039 /0.70082479,084797:89/00/8
35745079,.6:70:3/07.7.:289,3.08 8, -0
/85480/930,78
1907 8,/ 5074/ -,3 .,3 89 .4393:0 94 4/
57450798:-0.99429,9438
%49,3;08920393 70,089,908,349
0.00/41.42-30/.,59,,..4:398
6:9 3;0892039 41 -,3 3 ,34907
.47547,943 03,0 3 70, 089,90 8, -0
.438/070/,5,79410259434197:89,880981742.,28
4 ,88098 0/ - 97:89 0399 8, -0 8:-0.9 94
.,2849079,394805,790839070890/3
850.1.97:898
!745079 0/ 397:89 - 384;039 /0-947 8, -0
0.:/0/1742384;03.574.00/38
%7:89 0399 ,3/ 98 -7,3.088, -0 970,90/ ,8
430:39
%7:89 039908 8, ,/;07980 807;.08 3 ,
/310/2,3307430414;0732039
,38 2, 349 70.0;0 ,8 97:8900 90 1:3/8 4190
4;07320390.059-,38"&$
%7:047,80
%0 1/:.,73,9:70 41 90 70,9438541 ,
/0548947 9 90 /05489,7 -,3 254808 43 90
,9907904-,94394/8.,70 90089
89,3/,7/ 41 97:89 ,3/ 39079 ,3/ ,;4,943
9070418.438/070/,-70,.4197:89,80 %0 :2-0 ,00,7307,8 349 089,90/ 94
0397:89 8108 8,;3894 90-,3 343 9,9
90-08,10390.:894/4190-,38%7:0 ,38,707,9:94:8-,0084190 1:3/8/054890/
9902-907.0398,80 %0 5:-. 7008 43 90-,38 1/:.,7 /:9 94
4-807;0 90 089 /0700 41 /03.0 -:9 ,3
;4,943 41 98 /:9 - 90 -,3 8 349 , ;,/
74:3/ 147 90 7,39 410025,7 /,2,08 94 90
/0548947,80
%719 -,382, 349,.9 ,8.47708543/039 147
490713,3.,3899:9438,80 343894. .47547,943 2, ,.9 ,8 , 97:8900 47
,/238907 ,397:89 474/5745079 397:894743
/0548914790-030194149078,80
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
33/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
-,3 .,3349 :80 ,3 41 98 -7,3.08 ,8 4:9098
147 90 8,0 41 90 13,3., 574/:.98 41 98 ,0/
:3/079,347983;08920394:80:398%7:0 -,3 2, /0.,70 /;/03/8 70,907 9,3 98
,..:2:,90/ 309 574198 903 43 ,3/ /0/:.93
907017429848808,3/-,//0-98,80 %0 ,554392039 41 , 70.0;07 8 ;0890/
0.:8;09904309,74,7/%7:0 %0 .,3349 ,55439 , .43807;,947 .4330.90/
9$!,80 3 , :/., 1470.48:70 41 2479,0 9070 8 ,3
06:;,039794170/025943,80 4 ,905,2039 41 503,9 1008, -0 .40.90/
1742 .,7/4/078 :3088 90 .40.943 907041 8
1: /8.480/ 3 90 .4397,.9 -09003 90 88:07
,3/90.,7/4/07%7:0 -,3 . ,/ -003 47/070/ .480/ - 90
24309,7 -4,7/ /408 349 709,3 98 :7/.,
507843,9 . .,3 8:0,3/ -08:0/ 974: 98
6:/,947,80390-,38
%0 , 4;0733 90 .70,943 47,3,943 ,3/
4507,943417:7,-,388#:7,,38.9 %0949,3;0892039 306:90841,0/039075780
8,3490.00/41903094794190-,3 $:-8/,7 8, 70107 94,.47547,943 47172
24709,3 41 904:989,3/3 ;493 894. 41
.8/70.9473/70.9430/ %07:09,990949,,24:39 414,389,92,-0
0903/0/-,-,394,35078434703998,,9
349200.00/4190309479418:. -,3
8.,0/$30477407829 70/9 #8 %7,38107 8, 70107 94 ,3 ,7002039
9,9 ,48 90 -,3 94 97,38107 90 .70/9 78
,884.,90/ 9 98 4,3 47 4907 .70/9
,..4224/,94394,97/5,79
%090720,425038,94370107894 9,9
89:,943 03 945078438 390743 79 ,70
.70/9478,3//0-9478410,.4907 %0 .4397,.98 -09003.,7/4/078 ,3/.70/9 .,7/
.425,308 ,70 .,0/ .4397,.98 41 ,/0843-0.,:80 907 90728,705705,70/-434305,79
0 90 4907 2070 ,1108 8 83,9:70
83138.4314729907094 09 479 20,38 90 949, :325,70/ 5,/3
.,59, 3.:/3 5,/3 8:75:8 709,30/ 0,7338
,3/ :3/;/0/ 57419 30941 ;,:,94370807;08 ,3/
4907,/:8920398,82,-0706:70/-$! 099074170/9701078 94,13,3., /0;.0,;,0/
41 - -:83088203,8 , .43;0303924/0 41
/0,3 9 8,08 41 44/8 94 8,981 90
80023 770.43.,-0 39070898 41 , 8007 4
701:808945,799844/8-01470085,/ $:7;;4785,7002039890 ,7002039 9,9
,48439/05489478 949/7, 9040
/05489 /:73 907 10920 ,3/ 97,3810773 90
-,,3.0 94 90 8:7;;47 :543 90 /0,9 41 430 41
902 3 90 .,80 41 4384/,90/,3 ,3/ %7:89 4
90 $ 7:0/ 9,9 90 .4397,.9-0900390 -,3
,3/ 98 /0548947 84;0730/ - 90 574;8438 41
90;4/04382504,32:9::2 390.,8041$077,34 ;80397,,34190!
90 $ 0/ 9,9-,3/054898 ,70 3903,9:70 41
770:,7/054898 3 $20 39073,943, ,80 90 $ 8,/ 9,9 90
-,33 889028,33/85038,-0 3899:943 9,9
5,8,;9,7403900.4342.1041903,943 9 8 -,8. 9,9 ,1907 .4384/,943 41 990 3 90
-:078 3,20 147 1,:70 41 90 2479,47 94
70/002 90 79 41 548808843 -0.4208 , 2,99074179,3/ 9888:,3.0 94,5:7.,807 82070 ,
238907, 1:3.943 ..007,943 ,:80 20,38 ,3 574;843 3 90
.4397,.9 -09003 90 -,3 ,3/90.,7/4/07 9,9
;08 90-,3 9079 94 /02,3/ 90 4-,943
-
8/3/2019 Banking Laws and Jurisprudence Reviewer[1]
34/81
$ ,3 0/, 4 0041 ,
,33 ,8
&%#$%$###$%$%$&$%##$%$$##$$!#&
31: 3.,8041/01,:9473435,2039 147
,90;0770,843 %0 , 9,9 57490.98 98 .9038 1742 , ,. 41
,,703088 41 90 97:0.48941.70/9 9490 :807-
,88:73 1: /8.48:70 41 8:. .489 8 %7:9 303/3.9%0 ,7002039 -09003 90 5,7908 3 , 4,3
97,38,.943 . 895:,90 9,9 907,90 413907089
,700/:5432,-0 3.70,80/ 3900;0399,990
,55.,-02,2:27,90 41 3907089 8 3.70,80/
-908.,0/08.,,943.,:80 439 ,3/ $4/,7 7002039 8,3 ,7002039
070 90 .4397,.93 5,7908 .438039 94-0439
,3/80;07,,-03,4,34-,943 -,3:,7,3900 8,3770;4.,-0 .42292039 41
,-,3 -3/3 9801 94 5, 8:2 412430 3 90
0;039 413435071472,3.0 41 , .4397,.9 - , 97/
5,79 8832039 41.70/9 8 ,3 ,7002039 -;79:0 41
. 90 430741 .70/9 343 ,8 90 ,88347
-,0,.,:808:.,88,047/,94335,2039
97,3810788.70/994 ,34907343,890
,883004,.6:7089054079403147.09 14703 .:7703. /05489 ,70 41 ,-84:90
.431/039, 3,9:70 ,8 ,0307, 7:0 ,3/ 8,//05489 8, -0 00259 1742 ,99,.2039 5:78:,39
94 # 4 490780 343 ,8 4703
:7703.05489.94190!55308 049,-0 7/07 41 9/7,, ..4:398 ,70
3907089 -0,73 /05489 ,..4:398 9,9 .42-30 90
5,,-0 43 /02,3/ 10,9:70 41 .0.8 ,3/
3;0892039 10,9:70418,;38,..4:39 3/0503/039 :/947 20,38,507843 4907 9,3 ,3
411.07 47025400 4190-,398 8:-8/,708 47
,11,908 47 70,90/ .425,308 47 98 2,4798,704/078
3907089#,901107039, 7010789490/110703.0 47
2,73 -09003 3907089 7,908 8:. ,8 90
/110703.0 -09003 /42089. ,3/ 14703 3907089
7,908
$0.70. 41 ,3 05489 .9 8 90 , 9,9 ,8
5,880/ 94 ;003.4:7,02039 945045094/05489
90724303-,333899:9438 %0$0.:7908,3/.,30 4228843 8,
34970890790,79.0841 3.47547,94341,3-,3 :3088 ,..425,30/ - .0791.,90 41
,:947988:0/-9024309,7-4,7/ %0 06:9 3;0892039 41 , :3;078, -,3 47 98
4472,479430/ 8:-8/,708 3,830
343,0/ 039075780 8, 349 0.00/ 4190
949,06:9 02,3//05489,70,9480,-90841 90
,34 $0397, ,3/ 41 90 4907 -,38 . ,70
/03423,90/ 3 90 !5530 .:7703. ,3/ ,70
8:-0.9 94 5,2039 3 0, 903/07 :543 /02,3/
-5708039,94341/05489478.0. %0 7:0 3903/0/ 942,39,3 90 6:,9 41 -,3
2,3,02039 ,3/ ,1147/ -09907 57490.943 94
/05489478,