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    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as TXT, PDF, TXT or read online from Scribd
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    19 views708 pages

    Model

    Uploaded by

    Alex Lexa

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as TXT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 708

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    par\pard\li1186\ri0\sl-306\slmult0 \fs24\cf0\f0\charscalex100\b {Directoratul Ra
    iffeisen Bank S.A. }\b0 \par\pard\li1186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
    i1186\ri0\sl-293\slmult0 \fs22\cf0\f0\charscalex100\i \ul {Steven Cornelis van G
    roningen, Presedinte Raiffeisen Bank }\i0 \ul0 \fs22\cf0\f0\charscalex100\i \ul
    { }\i0 \ul0 \par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {Stev
    en Cornelis van Groningen este un foarte bun cunoscator al pietei bancare
    din Europa }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {Cen
    trala si de Est, in ultimii 10 ani ocupand pozitii de top management ale subsidi
    arelor unor }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {ban
    ci vest-europene in Romania, Ungaria si Rusia. A condus deschiderea operatiunilo
    r bancii }\par\pard\li1186\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100 {olande
    ze ABN Amro la Bucuresti. Din iunie 2001 a fost vicepresedinte al Bancii
    Agricole }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {Raif
    feisen, iar din februarie 2002 este presedintele bancii. Odata cu fuziunea Banci
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    , Raiffeisen }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {B
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    specializarea }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {
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    0\charscalex100 {tori prin atragerea ct mai multor par}\fs24\cf0\f0\charscal
    ex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i interesate }{ }\fs24\cf0\f0\cha
    rscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i crearea unei presiuni }\
    par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {competi}\fs22\cf0
    \f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ionale }{ }\fs22\cf0\f
    0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i psihologice, n vedere
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    unui pre}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 { ct
    mai bun. }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {Eta
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    }\fs22\cf0\f0\charscalex100 {i }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0
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    0\f0\charscalex100 {iilor financiare, se pot emite primele considerente a
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    arscalex100 {Due-diligence pentru vnz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
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    \cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii trebuie s}\fs24
    \cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ajung}\fs24\cf0\f
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    r, pentru }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {a ide
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    {, ct }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i risc
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    0 {ile ce urmeaz}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { a juca un }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {
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    4\cf0\f0\charscalex100 {iei; }\par\pard\li1520\ri0\sl-293\slmult0 \*\tx1866\fs22
    \cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f0\charscalex100 {Evaluarea

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    arscalex100 {inute, banca de investi}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\
    fs22\cf0\f0\charscalex100 {ii este n }\par\pard\li1866\ri0\sl-253\slmult0 \fs22
    \cf0\f0\charscalex100 {m}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\cha
    rscalex100 {sur}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex10
    0 { s}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { realiz
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    {\uc1\u259X}\fs22\cf0\f0\charscalex100 { de }\par\pard\li1866\ri0\sl-253\slmult0
    \fs22\cf0\f0\charscalex100 {ac}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0
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    100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {rilor privind pre}\fs22\cf0\f0\chars
    calex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ul, dar }\fs22\cf0\f0\charscale
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    1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {acele aspecte care influe
    n}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {eaz}\fs24\c
    f0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { cel mai mult va
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    {irea }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {acestora;
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    lex100 {ial interesate este unul dintre aspectele esen}\fs22\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iale n procesul de }\par\pard\l
    i1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {vnzare a unei companii; }\pa
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    x100 {\uc1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii \uc1\u8211X prin reali
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    fs22\cf0\f0\charscalex100 {i timp }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0
    \f0\charscalex100 {atractiv din punct de vedere comercial, compania aflat}
    \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { n proces de
    vnzare este }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {p
    rezentat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { p}\
    fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {r}\fs24\cf0\f0
    \charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ilor poten}\fs24\cf0\f0\c
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    charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { dezvaluirea numelui acest
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    c1\u259X}\fs22\cf0\f0\charscalex100 {tirea Acordurilor de Confiden}\fs22\cf0\
    f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ialitate \uc1\u8211X d
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    f0\f0\charscalex100 {p}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\chars

    calex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {i


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    arscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii. }\par\pard\li1
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    ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {un num}\fs22\cf0\f0\charscalex100
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    }\fs22\cf0\f0\charscalex100 {ncilor, att agen}\fs22\cf0\f0\charscalex100 {\uc1\u3
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    6\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {excesiv}\fs22\cf0\f0\charscalex
    100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { a volumului de opera}\fs22\cf0\
    f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iuni }{ }\fs22\cf0\f0\c
    harscalex100 {\uc1\u351X}\fs20\cf0\f0\charscalex100 {i extinderea f}\fs22\cf0\
    f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {r}\fs22\cf0\f0\charscal
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    arscalex100 {\uc1\u355X}\fs20\cf0\f0\charscalex100 {elei de filiale }{ }\fs22\
    cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i agen}\fs22\cf0\f
    0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii }\par\pard\li1186\ri0
    \sl-253\slmult0 \fs24\cf0\f0\charscalex100 {bancare, activitatea bancar}\fs24\cf
    0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { impure o larg}\fs24\
    cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { utilizare a inform
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    ecomunica}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iei
    . }\par\pard\li1853\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100 {Ca stare, i
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    x100 {, se implic}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs20\cf0\f0\charscal
    ex100 { tot mai mult n u}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs20\cf0\f0
    \charscalex100 {urarea muncii operatorilor }\par\pard\li1186\ri0\sl-253\slmult
    0 \fs24\cf0\f0\charscalex100 {bancari n luarea deciziilor. Un rol important
    revine informaticii bancare privind luarea }\par\pard\li1186\ri0\sl-253\slm
    ult0 \fs22\cf0\f0\charscalex100 {deciziilor de creditare. Tras}\fs22\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 {tura comuna a deciziilor

    de creditare este evitarea riscurilor }\par\pard\li1186\ri0\sl-266\slmult0


    \fs24\cf0\f0\charscalex100 {privind nerambursarea la scaden}\fs24\cf0\f0\charsc
    alex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { a datoriilor. Pentru
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    4\cf0\f0\charscalex100 { opera}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\
    f0\charscalex100 {iunile de garantare sub diverse forme: prin avere, prin venit
    uri, prin profit }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100
    {profesional }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100
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    c1\u355X}\fs24\cf0\f0\charscalex100 {i n ierarhizare. }\par\pard\li1853\ri0\sl-25
    3\slmult0 \*\tx4666\fs24\cf0\f0\charscalex100 {Necesitatea de a obiectiviza}\
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    s24\cf0\f0\charscalex100 {\uc1\u259X}{ }\fs24\cf0\f0\charscalex100 { ac}\fs24\c
    f0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ioneze cu}\par\pard
    \li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {exactitate n exprimarea }
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    area situa}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs20\cf0\f0\charscalex100 {ii
    lor diferite, specifice, fiec}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f
    0\charscalex100 {rui virtual debitor, }\par\pard\li1186\ri0\sl-253\slmult0 \fs2
    4\cf0\f0\charscalex100 {implic}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\
    f0\charscalex100 { interven}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\
    charscalex100 {ia informaticii n munca operatorului bancar. }\par\pard\li1853\ri0
    \sl-266\slmult0 \fs24\cf0\f0\charscalex100 {n plan na}\fs24\cf0\f0\charscalex100
    {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ional re}\fs24\cf0\f0\charscalex100 {\uc
    1\u355X}\fs24\cf0\f0\charscalex100 {eaua de comunica}\fs24\cf0\f0\charscalex100
    {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii a }\fs24\cf0\f0\charscalex100\b {Raif
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    \charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ional, }\par\pard\li1186\
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    rscalex100 { de operator de }\par\pard\li1186\ri0\sl-266\slmult0 \*\tx9560\fs
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    0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ia coordonatoare-hub)
    ct }\tab \fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i }\p
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    omunica}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii p
    rin satelit. Aceasta constituie infrastructura de baz}\fs22\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { pentru }\par\pard\li1186\ri0\sl253\slmult0 \fs22\cf0\f0\charscalex100 {comunica}\fs22\cf0\f0\charscalex100 {\uc
    1\u355X}\fs22\cf0\f0\charscalex100 {tiile de date, de tip Intranet, interc
    onectnd re}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs20\cf0\f0\charscalex100 {ele
    le de calculatoare din unit}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X
    }\fs22\cf0\f0\charscalex100 {ile }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\
    f0\charscalex100 {teritoriale ale b}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 {ncii }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\c
    f0\f0\charscalex100 {i Administra}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\
    cf0\f0\charscalex100 {ia Central}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\c
    f0\f0\charscalex100 { pentru derularea opera}\fs22\cf0\f0\charscalex100 {\uc1\
    u355X}\fs22\cf0\f0\charscalex100 {iunilor bancare }{ }\fs22\cf0\f0\charscalex10
    0 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i }\par\pard\li1186\ri0\sl-253\slmult0
    \fs24\cf0\f0\charscalex100 {conexe on-line }\fs24\cf0\f0\charscalex100 {\uc1\u3
    51X}\fs24\cf0\f0\charscalex100 {i putnd asigura suportul ntregii re}\fs24\cf0\f0\c
    harscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ele de ATM-uri }\fs24\cf0\f
    0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i concentratoare POS ale
    }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {b}\fs24\cf0\f0

    \charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncii. }\par\pard\li1853\r


    i0\sl-253\slmult0 \fs20\cf0\f0\charscalex100\b {Sistemul de comunica}\b0 \fs22
    \cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100\b {ii VSAT}\b0 \fs
    22\cf0\f0\charscalex100 { a fost achizi}\fs22\cf0\f0\charscalex100 {\uc1\u355
    X}\fs22\cf0\f0\charscalex100 {ionat de la binecunoscuta companie }\par\pard\
    li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {japonez}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { NEC, unul dintre produc}\f
    s24\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {torii majori
    de echipamente n domeniul comunica}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs2
    4\cf0\f0\charscalex100 {iilor }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\
    charscalex100 {prin satelit ncepnd cu 1960, prezent pe pia}\fs24\cf0\f0\charscalex
    100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {a VSAT din 1985. }\par\pard\li1853\r
    i0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Capacitatea de segment spa}\fs2
    4\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ial a Raiffeise
    n Bank este asigurat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 { printr-un serviciu}\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\c
    harscalex100 {prioritar pe un satelit rezervat n caz de defec}\fs24\cf0\f0\
    charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iune }{ }\fs24\cf0\f0\char
    scalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i avnd o arie de acoperire co
    ncentrat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-266\slmu
    lt0 \fs22\cf0\f0\charscalex100 {asupra Europei }{ }\fs22\cf0\f0\charscalex100 {
    \uc1\u351X}\fs22\cf0\f0\charscalex100 {i nordului Africii. n cazul avariilor
    majore (extrem de rare de altfel) }\par\pard\li1186\ri0\sl-253\slmult0 \fs
    20\cf0\f0\charscalex100 {furnizorul de servicii INTELSAT se oblig}\fs22\cf0
    \f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { s}\fs22\cf0\f0\chars
    calex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { plaseze unul dintre sateli
    }\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii s}\fs22\
    cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {i de rezerv}\fs22
    \cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { la }\par\pard\li
    1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {aceea}\fs24\cf0\f0\charscale
    x100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i pozi}\fs24\cf0\f0\charscalex100 {
    \uc1\u355X}\fs24\cf0\f0\charscalex100 {ie orbital}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 {, n maximum o or}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pard\li1853\ri0\sl-266\slmult0 \
    fs22\cf0\f0\charscalex100\b {Sistemul bancar informatizat}\b0 \fs22\cf0\f0\chars
    calex100 { \uc1\u8211X oricare ar fi acesta - presupune o serie de avantaje
    }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {care permit o
    asigurare a suportului, flexibilit}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u3
    55X}\fs22\cf0\f0\charscalex100 {ii, scalabilit}\fs22\cf0\f0\charscalex100 {\uc1\
    u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii, consisten}\fs22\cf0\f0\charscale
    x100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ei }{ }\fs22\cf0\f0\charscalex100 {
    \uc1\u351X}\fs22\cf0\f0\charscalex100 {i economicit}\fs22\cf0\f0\charscalex100 {
    \uc1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii }\par\pard\li1186\ri0\sl-253
    \slmult0 \fs24\cf0\f0\charscalex100 {n activitatea bancar}\fs24\cf0\f0\charscalex
    100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { propriu-zisa. }\par\pard\li1853\ri0
    \sl-253\slmult0 \fs24\cf0\f0\charscalex100 {Printre }\fs24\cf0\f0\charscalex100\
    b {principalele avantaje}\b0 \fs24\cf0\f0\charscalex100 { se pot enumera: }\par\
    pard\li2520\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100\i {Baza de date centra
    lizata }\i0 \par\pard\li2520\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100\i {Pr
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    e on-line }\i0 \par\pard\li2520\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100\i
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    f0\charscalex100\i {iunilor }\i0 \par\pard\li2520\ri0\sl-266\slmult0 \fs22\cf0\f
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    \cf0\f0\charscalex100\i {tii }\i0 \par\pard\li2520\ri0\sl-266\slmult0 \fs24\cf0\
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    {ii }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {tehnologice
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    harscalex100 {ional n premier}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 { n sistemul bancar un sistem }\par\pard\li1186\ri0\sl-266\slm
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    \slmult0 \fs24\cf0\f0\charscalex100 {informatic BASIS. }\par\pard\sect\sectd\sbk
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    {\shp{\*\shpinst\shpleft973\shptop440\shpright11253\shpbottom453\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2319\shpz8\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}

    {\sp{\sn geoBottom}{\sv 13}}


    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2321\shpz10\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop453\shpright973\shpbottom15360\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2322\shpz11\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop453\shpright11253\shpbottom15360\shpfhdr0\sh
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}

    {\sp{\sn geoBottom}{\sv 14907}}


    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright11253\shpbottom15373\shpfhdr0\sh
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 13}}


    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    {\sp{\sn shapeType}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fLayoutInCell}{\sv 1}}}}\pgwsxn11400\pghsxn15640\marglsxn666\margrsxn13
    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 20 - }\par\pard\li1866\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1866\ri0\s
    l-453\slmult0 \fs24\cf0\f0\charscalex100 {perioada de pn}\fs24\cf0\f0\charscalex1
    00 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la 3 zile nainte de implementare. Ast
    fel pentru pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\char
    scalex100 {ile interbancare, }\par\pard\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\c
    harscalex100 {dac}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex

    100 { destinatarul nu este client al Raiffeisen Bank ntrzierea s-ar putea


    datora doar }\par\pard\li1866\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {si
    stemului de compensare al BNR, n sistemul propriu banca nemaiavnd nici o }
    \par\pard\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {ntrziere. De ase
    menea, pl}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs22\cf0\f0\charsca
    lex100 {ile ntre conturile entit}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u3
    55X}\fs22\cf0\f0\charscalex100 {ilor distincte ale unui client }\par\pard\li
    1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {important al Raffeisen Ban
    k cu extindere na}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscale
    x100 {ional}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {,
    cu conturi individualizate la }\par\pard\li1866\ri0\sl-266\slmult0 \fs24\cf0
    \f0\charscalex100 {unit}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\c
    f0\f0\charscalex100 {i diferite, se realizeaz}\fs24\cf0\f0\charscalex100 {\uc1\u
    259X}\fs24\cf0\f0\charscalex100 { in timp real. }\par\pard\li1866\ri0\sl-266\slm
    ult0 \fs22\cf0\f0\charscalex100 {Din punct de vedere al }{ }\fs22\cf0\f0\char
    scalex100\b \i {securit}\b0 \i0 \fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X
    }\fs22\cf0\f0\charscalex100\b \i {ii accesului }\b0 \i0 { }\fs22\cf0\f0\charsca
    lex100 {\uc1\u351X}\fs20\cf0\f0\charscalex100\b \i {i al opera}\b0 \i0 \fs22\c
    f0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100\b \i {iunilor}\b0 \i0
    \fs20\cf0\f0\charscalex100 {, conturile clien}\fs22\cf0\f0\charscalex100 {\uc
    1\u355X}\fs22\cf0\f0\charscalex100 {ilor }\par\pard\li1866\ri0\sl-253\slmult0 \f
    s24\cf0\f0\charscalex100 {sunt protejate prin limitarea accesului personalului l
    a acestea. Exist}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { mai multe nivele }\par\pard\li1866\ri0\sl-253\slmult0 \fs20\cf0\f0\charscal
    ex100 {de securitate fizice }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\c
    f0\f0\charscalex100 {i logice, la nivelul ma}\fs22\cf0\f0\charscalex100 {\uc
    1\u351X}\fs22\cf0\f0\charscalex100 {inii AS400, ct }{ }\fs22\cf0\f0\charscalex1
    00 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i prin profile speciale }\par\pard\
    li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {fiec}\fs22\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {rui salariat, care are foarte
    clar definite drepturile, modul de lucru, avnd }\par\pard\li1866\ri0\sl-25
    3\slmult0 \fs24\cf0\f0\charscalex100 {superviz}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 {ri graduale pentru diferite tipuri de ope
    ra}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii. Contu
    l este protejat }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charsc
    alex100 {i prin }\par\pard\li1866\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100
    {verificarea on-line a identit}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X
    }\fs24\cf0\f0\charscalex100 {ii clientului (p}\fs24\cf0\f0\charscalex100 {\uc1\u
    259X}\fs24\cf0\f0\charscalex100 {strarea centralizat}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 { a identit}\fs24\cf0\f0\charscalex100 {\
    uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii clientului-}\par\pard\li1866\
    ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {semn}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X}\fs24\cf0\f0\charscalex100 {tura, foto etc.). Managementul recepte
    az}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { o sigura
    n}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    deplin}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, pr
    in controlul }\par\pard\li1866\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100 {ac
    cesului la sistem, la aplica}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf
    0\f0\charscalex100 {ii }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\c
    harscalex100 {i func}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charsc
    alex100 {ionalit}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs20\cf0\f0\c
    harscalex100 {i specifice, accesul fiind limitat prin }\par\pard\li1866\ri0
    \sl-253\slmult0 \fs20\cf0\f0\charscalex100 {profile de acces }{ }\fs22\cf0\f0\
    charscalex100 {\uc1\u351X}\fs20\cf0\f0\charscalex100 {i parole. Se limiteaz}\
    fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { accesul la
    anumite tipuri de tranzac}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f
    0\charscalex100 {ii }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\char
    scalex100 {i se }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100
    {stabilesc limite admisibile pentru sumele tranzac}\fs24\cf0\f0\charscalex1
    00 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionate. Sunt furnizate rapoarte d

    e }\par\pard\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {control }\fs2


    2\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i avertizare, ide
    ntificndu-se n orice moment, operatorii responsabili pentru }\par\pard\li1866\ri0\
    sl-253\slmult0 \fs24\cf0\f0\charscalex100 {anumit}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 { opera}\fs24\cf0\f0\charscalex100 {\uc1\u35
    5X}\fs24\cf0\f0\charscalex100 {iune. }\par\pard\li1866\ri0\sl-266\slmult0 \fs24\
    cf0\f0\charscalex100 {Un aspect deosebit de important este cel al }{ }\fs2
    4\cf0\f0\charscalex100\b \i \ul {reorganiz}\b0 \i0 \ul0 \fs24\cf0\f0\charscalex1
    00\ul {\uc1\u259X}\ul0 \fs24\cf0\f0\charscalex100\b \i \ul {rii activit}\b0 \i0
    \ul0 \fs24\cf0\f0\charscalex100\ul {\uc1\u259X\uc1\u355X}\ul0 \fs24\cf0\f0\char
    scalex100\b \i \ul {ii n unit}\b0 \i0 \ul0 \fs24\cf0\f0\charscalex100\ul {\uc1\
    u259X\uc1\u355X}\ul0 \fs24\cf0\f0\charscalex100\b \i \ul {ile}\b0 \i0 \ul0 \par\
    pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100\b \i {bancare}\b0 \i0
    \fs24\cf0\f0\charscalex100 { ce func}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs2
    4\cf0\f0\charscalex100 {ioneaz}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\
    f0\charscalex100 { pe un nou sistem informatic ,ceea ce impune indiscutabil, un
    }\par\pard\li1866\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {mod de lucru ma
    i organizat, mai func}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charsc
    alex100 {ional }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex10
    0 {i mai flexibil. Printre avantajele receptate }\par\pard\li1866\ri0\sl-253\slm
    ult0 \fs22\cf0\f0\charscalex100 {de clien}\fs22\cf0\f0\charscalex100 {\uc1\u355
    X}\fs22\cf0\f0\charscalex100 {i, se eviden}\fs22\cf0\f0\charscalex100 {\uc1\u3
    55X}\fs22\cf0\f0\charscalex100 {iaz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22
    \cf0\f0\charscalex100 { realizarea majorat}\fs22\cf0\f0\charscalex100 {\uc1\u2
    59X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii opera}\fs22\cf0\f0\charscalex100 {
    \uc1\u355X}\fs22\cf0\f0\charscalex100 {iunilor ntr-un singur punct de }\par\pa
    rd\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {lucru. Pentru opera}\fs
    22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iunile sale clie
    ntul nu mai este legat de unitatea la care a deschis }\par\pard\li1866\ri0\sl-25
    3\slmult0 \fs24\cf0\f0\charscalex100 {contul; constat}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 { mai pu}\fs24\cf0\f0\charscalex100 {\uc
    1\u355X}\fs24\cf0\f0\charscalex100 {ine formulare de completat }\fs24\cf0\f0\cha
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    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 27 - }\par\pard\li2520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li2520\ri0\s
    l-453\slmult0 \fs22\cf0\f0\charscalex100\b {Timp economisit: }\b0 \fs24\cf0\f0\
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    s24\cf0\f0\charscalex100 { se fac}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24
    \cf0\f0\charscalex100 { deplasarea la banc}\fs24\cf0\f0\charscalex100 {\uc1\u
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    fs22\cf0\f0\charscalex100 {retrageri de numerar din contul curent n lei sa
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    arscalex100 {My Banking este un serviciu oferit de Raiffeisen Bank}{ }\fs22\cf0\
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    }\fs22\cf0\f0\charscalex100 {rile de cartele telefonice direct din meniul
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    alex100 {MyBanking este accesibil oriunde este acoperire prin serviciul V
    odafone, inclusiv atunci }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\cha
    rscalex100 {cnd esti n Roaming. }\par\pard\li1693\ri0\sl-253\slmult0 \fs24\cf0\f0\
    charscalex100 {Pentru a beneficia de serviciul myBanking ai nevoie de: }\par\par
    d\li1693\ri0\sl-306\slmult0 \fs24\cf0\f2\charscalex100 {\uc1\u61623X}{ }\fs24\cf
    0\f0\charscalex100 {cont deschis la Raiffeisen Bank; }\par\pard\li1693\ri0\sl-28
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    {un SIM Smart cu aplica}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\cha
    rscalex100 {ia myBanking }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\ch
    arscalex100 {i un telefon compatibil; }\par\pard\li1693\ri0\sl-293\slmult0 \fs24
    \cf0\f2\charscalex100 {\uc1\u61623X}{ }\fs24\cf0\f0\charscalex100 {un contract c
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    \u259X}\fs22\cf0\f0\charscalex100 {rcarea cartelei direct de pe telefonul mobil;
    }\par\pard\li2520\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {u}\fs24\cf0\f0
    \charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {urin}\fs24\cf0\f0\charsca
    lex100 {\uc1\u355X\uc1\u259X}{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0
    \f0\charscalex100 {i confort n utilizare. }\par\pard\li1186\ri0\sl-213\slmult0 \f
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    aiffeisen Direct 0800 802 02 02 }\b0 \i0 \par\pard\li1693\ri0\sl-253\slmult0 \fs
    22\cf0\f0\charscalex100 {Un simplu apel telefonic, gratuit}\fs22\cf0\f0\charscal
    ex100 { indiferent de sezon, scute}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\
    cf0\f0\charscalex100 {te persoana de drumurile la }\par\pard\li1186\ri0\sl-253\s
    lmult0 \fs22\cf0\f0\charscalex100 {banc}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\

    fs22\cf0\f0\charscalex100 {. Oriunde te afli acum banca ta este mai aproape de t


    ine. Direct, f}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100
    {r}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { s}\fs22\
    cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { mai faci cel mai }
    \par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {mic efort }{ }\
    fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i f}\fs24\cf0
    \f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {r}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { s}\fs24\cf0\f0\charscalex100 {\
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    0\f0\charscalex100 {ti comisioane sau taxe suplimentare, beneficiezi de u
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    par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {servicii: }\par\p
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    \charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ine informa}\fs24\cf0\f0\
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    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop453\shpright973\shpbottom15360\shpfhdr0\shpwr3
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    {\sp{\sn rotation}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 14907}}


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    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
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    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
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    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    \li1133\ri0\sl-253\slmult0 \*\tx1466\fs24\cf0\f0\charscalex100 {b)}\tab \fs24\cf
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    x100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { capi
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    \sl-253\slmult0 \fs24\cf0\f0\charscalex100 {cont n lei }\par\pard\sect
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    i0\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {termen de constituire a depozi
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    {i 365 de zile; }\par\pard\li0\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {s
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    \tx1520\fs24\cf0\f0\charscalex100 {-}\tab \fs24\cf0\f0\charscalex100 {depozit n l


    ei pentru persoane fizice; }\par\column\pard\li0\ri0\sl-253\slmult0 \fs24\cf0\f0
    \charscalex100 {- 34 - }\par\pard\sect\sectd\sbknone\pgwsxn11400\pghsxn15640\mar
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    mult0 \fs18\cf0\par\pard\li1520\ri0\sl-306\slmult0 \fs22\cf0\f0\charscalex100\b
    {Contul de economii Acces Plus \uc1\u8211X flexibilitate }\b0 \fs24\cf0\f0\chars
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
    shpwr3\shpwrk0\shpfblwtxt1\shplid2556\shpz14\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
    shpwr3\shpwrk0\shpfblwtxt1\shplid2557\shpz15\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}

    {\sp{\sn fBehindDocument}{\sv 1}}


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    alex100 {\uc1\u351X}\fs20\cf0\f0\charscalex100 {i spatii adecvate \uc1\u8211X
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    e }{ }\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex10
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    \fs24\cf0\f0\charscalex100 {str}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf
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    rscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { unor mi}\fs24\cf
    0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {c}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ri bine }\par\pard\li1186\ri0\s
    l-266\slmult0 \fs24\cf0\f0\charscalex100 {determinate de complexitatea fenome
    nelor }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i
    proceselor economice, acestea genereaz}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {opera}\fs22\cf0
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    \charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ri }\fs22\cf0\f0\charscal
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    merarului }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i
    a banilor de cont. De}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charsc
    alex100 {i }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {circ

    ula}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ia numera


    rului ocup}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { o
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    tiv redus}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { (m
    ai pu}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {in de 1
    5%) n totalul circula}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charsca
    lex100 {iei }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {b}\
    fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ne}\fs22\cf0\f
    0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {ti din cadrul economiei
    noastre na}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {io
    nale, opera}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {i
    ile cu numerar efectuate de c}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f
    0\charscalex100 {tre b}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\chars
    calex100 {nci }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {p
    rezint}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { o im
    portan}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { deosebit}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100
    {, deoarece, prin respectarea strict}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 { a disciplinei opera}\fs24\cf0\f0\charscalex100
    {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iilor }\par\pard\li1186\ri0\sl-253\slmul
    t0 \fs24\cf0\f0\charscalex100 {bancare cu numerar se creeaz}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { premisele asigur}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii echilibrului b}\fs24\cf0
    \f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {nesc n }\fs24\cf0\f0\ch
    arscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ara noastr}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pard\li1853\ri0\sl-266
    \slmult0 \fs24\cf0\f0\charscalex100 {n realizarea unei circula}\fs24\cf0\f0\chars
    calex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii b}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ne}\fs24\cf0\f0\charscalex100 {\uc1\u35
    1X}\fs24\cf0\f0\charscalex100 {ti judicioase, un rol important l au unit}\fs24\cf
    0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {ile bancare
    }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {operative, re
    spectiv compartimentele de tezaur }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}
    \fs24\cf0\f0\charscalex100 {i casierie din cadrul lor, prin intermediul }\pa
    r\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {c}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rora se efectueaz}\fs24\cf0\f0
    \charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ncas}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rile }\fs24\cf0\f0\charscalex100
    {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i pl}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X\uc1\u355X}\fs24\cf0\f0\charscalex100 {ile n numerar. }\par\pard\li1853\ri0\sl
    -253\slmult0 \fs24\cf0\f0\charscalex100 {Compartimentul tezaur }{ }\fs24\cf0\f0
    \charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i casierie este astfel
    organizat nct s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 { poat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { r}\fs24\
    cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {spund}\fs24\cf0\f0\
    charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\chars
    calex100 {cerin}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex10
    0 {elor impuse de necesitatea asigur}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 {rii circula}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24
    \cf0\f0\charscalex100 {iei numeralului n mod ra}\fs24\cf0\f0\charscalex100 {\uc1\
    u355X}\fs24\cf0\f0\charscalex100 {ional }\fs24\cf0\f0\charscalex100 {\uc1\u351X}
    \fs24\cf0\f0\charscalex100 {i eficient. }\par\pard\li1853\ri0\sl-266\slmult0 \fs
    24\cf0\f0\charscalex100 {Avnd n vedere aceste necesit}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i n structura organizatoric}\fs2
    4\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { a compartimentul
    ui tezaur }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {\uc1\
    u351X}\fs24\cf0\f0\charscalex100 {i casierie se ntlnesc: }\par\pard\li3213\ri0\sl266\slmult0 \*\tx3560\fs16\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\
    charscalex100 {case operative de: ncas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs

    24\cf0\f0\charscalex100 {ri n lei, pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\


    u355X}\fs24\cf0\f0\charscalex100 {i n lei, opera}\fs24\cf0\f0\charscalex100 {\uc1
    \u355X}\fs24\cf0\f0\charscalex100 {iuni de ncas}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 {ri }\par\pard\li3213\ri0\sl-253\slmult0 \fs24\
    cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i pl}\fs24\cf0\f0\
    charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i cu mijloace
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    valut}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, schi
    mb de bilete deteriorate, }\par\pard\li3213\ri0\sl-266\slmult0 \fs24\cf0\f0\ch
    arscalex100 {vnzarea imprimatelor cu regim special, a certificatelor de depozit ;
    }\par\pard\li3213\ri0\sl-253\slmult0 \*\tx3560\fs16\cf0\f2\charscalex100 {\uc1\
    u61623X}\tab \fs24\cf0\f0\charscalex100 {case de ncas}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ri }\fs24\cf0\f0\charscalex100 {\uc1\u35
    1X}\fs24\cf0\f0\charscalex100 {i pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u
    355X}\fs24\cf0\f0\charscalex100 {i ; }\par\pard\li3213\ri0\sl-266\slmult0 \*\tx3
    560\fs16\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {cas
    e speciale ; }\par\pard\li3213\ri0\sl-253\slmult0 \*\tx3560\fs16\cf0\f2\charscal
    ex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {case cu program prelungit }
    \par\pard\li3213\ri0\sl-266\slmult0 \*\tx3560\fs16\cf0\f2\charscalex100 {\uc1\u6
    1623X}\tab \fs24\cf0\f0\charscalex100 {grupe de verificare a numeralului ; }\par
    \pard\li3213\ri0\sl-253\slmult0 \*\tx3560\fs16\cf0\f2\charscalex100 {\uc1\u61623
    X}\tab \fs24\cf0\f0\charscalex100 {case de ncas}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 {ri n lei amplasate n afara sediului b}\fs24\cf0\
    f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncii ; }\par\pard\li321
    3\ri0\sl-266\slmult0 \*\tx3560\fs14\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs2
    2\cf0\f0\charscalex100 {case de schimb valutar }\fs22\cf0\f0\charscalex100 {\uc1
    \u351X}\fs22\cf0\f0\charscalex100 {i alte opera}\fs22\cf0\f0\charscalex100 {\uc1
    \u355X}\fs22\cf0\f0\charscalex100 {iuni valutare, amplasate n afara }\par\pard\li
    3213\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {sediului b}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncii ; }\par\pard\li1186\ri0\s
    l-266\slmult0 \fs24\cf0\f0\charscalex100 {
    n vederea organiz}\fs24\cf0
    \f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii de casierii propri
    i, Raiffeisen Bank a fost obligat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 { s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\cha
    rscalex100 { solicite n }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charsca
    lex100 {scris, sucursalei B}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 {ncii Na}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\chars
    calex100 {ionale la care are deschis contul curent, aprobarea de func}\fs24\cf0\
    f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionare a }\par\pard\li1
    186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {casieriei. n urma controlulu
    i efectuat, privind respectarea cu stricte}\fs24\cf0\f0\charscalex100 {\uc1\u
    355X}\fs24\cf0\f0\charscalex100 {e a condi}\fs24\cf0\f0\charscalex100 {\uc1\u3
    55X}\fs24\cf0\f0\charscalex100 {iilor privind}\par\pard\li1186\ri0\sl-266\slmul
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}


    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}


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    {\sp{\sn fFillOK}{\sv 1}}
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    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 38 - }\par\pard\li1853\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1853\ri0\s
    l-453\slmult0 \fs24\cf0\f0\charscalex100 {Exist}\fs24\cf0\f0\charscalex100 {\uc1
    \u259X}\fs24\cf0\f0\charscalex100 { posibilitatea, cu aprobarea B}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncii Na}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionale, a redistribuirii
    excedentului de }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100
    {numerar ntre societ}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs22\cf
    0\f0\charscalex100 {ile bancare, n cadrul aceluia}\fs22\cf0\f0\charscalex100 {

    \uc1\u351X}\fs22\cf0\f0\charscalex100 {i jude}\fs22\cf0\f0\charscalex100 {\uc1\


    u355X}\fs22\cf0\f0\charscalex100 {, cu obligativitatea ca opera}\fs22\cf0\f0\
    charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iile }\par\pard\li1186\ri0
    \sl-253\slmult0 \fs24\cf0\f0\charscalex100 {respective s}\fs24\cf0\f0\charscale
    x100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { fie eviden}\fs24\cf0\f0\charscal
    ex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iate n aceea}\fs24\cf0\f0\charscal
    ex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i zi n conturile curente deschi
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    lex100 {ncii }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Na
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionale. }\pa
    r\pard\li1853\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {A}\fs24\cf0\f0\char
    scalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {adar, prin}{ }\fs24\cf0\f0\cha
    rscalex100\i {casele speciale }\i0 \fs24\cf0\f0\charscalex100 {se pot efectua op
    era}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iuni cu m
    etale pre}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ioa
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    \*\tx3186\fs14\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f0\charscalex1
    00 {ncasarea n numerar a taxelor pentru analiza obiectelor }{ }\fs22\cf0\f0\c
    harscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i bijuteriilor }\par\pard\
    li1133\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {din metale pre}\fs24\cf0\f
    0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ioase; }\par\pard\li3040
    \ri0\sl-253\slmult0 \*\tx3186\fs14\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs20
    \cf0\f0\charscalex100 {ncasarea n numerar a taxelor pentru depozitarea metal
    elor pre}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ioa
    se }\par\pard\li1133\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {provenind de
    la persoane fizice sau juridice; }\par\pard\li3040\ri0\sl-253\slmult0 \fs16\cf0
    \f2\charscalex100 {\uc1\u61623X}{\super \fs24\up0\cf0\f0\charscalex100 {p}}\fs24
    \cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {strarea metalelor
    pre}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ioase; }\
    par\pard\li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {De asemeni, socie
    t}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i
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    \cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100\i {ie n valut}\i0 \f
    s24\cf0\f0\charscalex100 {\uc1\u259X}{ }\fs24\cf0\f0\charscalex100 {a}\fs24\cf0\
    f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {a cum este }\par\pard\l
    i1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {cazul B}\fs22\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ncii Romne pentru Dezvoltare-Grou
    pe Socit Gnrale. Opera}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscale
    x100 {iunile de ncas}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscal
    ex100 {ri }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i
    }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {pl}\fs22\cf0\f0
    \charscalex100 {\uc1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {i n valute efect
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    ijloace de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex10
    0 { str}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ine s
    e fac folosind ca document \uc1\u8220XChitan}\fs22\cf0\f0\charscalex100 {\uc1\u3
    55X}\fs22\cf0\f0\charscalex100 {a }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0
    \f0\charscalex100 {valut}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\cha
    rscalex100 {\uc1\u8221X pentru ncas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 {ri }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\ch
    arscalex100 {i \uc1\u8220XOrdin de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\
    fs24\cf0\f0\charscalex100 { valut}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 {\uc1\u8221X pentru pl}\fs24\cf0\f0\charscalex100 {\uc1\u259
    X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i. }\par\pard\li1853\ri0\sl-253\slmult0
    \fs24\cf0\f0\charscalex100 {Prin casele de circula}\fs24\cf0\f0\charscalex100 {\
    uc1\u355X}\fs24\cf0\f0\charscalex100 {ie valut}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 { se pot efectua : }\par\pard\li3040\ri0\sl-266
    \slmult0 \*\tx3213\fs14\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f0\cha
    rscalex100 {ncas}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex10

    0 {ri }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i


    pl}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs20\cf0\f0\charscalex100 {
    i n conturile curente valutare ale persoanelor fizice }{ }\fs22\cf0\f0\char
    scalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i }\par\pard\li3213\ri0\sl-253
    \slmult0 \fs24\cf0\f0\charscalex100 {juridice; }\par\pard\li3040\ri0\sl-266\slmu
    lt0 \*\tx3186\fs14\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f0\charscal
    ex100 {opera}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {
    ii de schimb ntre valutele cotate de Banca Na}\fs22\cf0\f0\charscalex100 {\uc1\u3
    55X}\fs22\cf0\f0\charscalex100 {ional}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 { a Romniei, }\par\pard\li3213\ri0\sl-253\slmult0 \fs24\c
    f0\f0\charscalex100 {pentru persoanele fizice; }\par\pard\li3040\ri0\sl-266\slmu
    lt0 \fs16\cf0\f2\charscalex100 {\uc1\u61623X}{\super \fs24\up0\cf0\f0\charscalex
    100 {pl}}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscale
    x100 {i n valut}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { de taxe, contribu}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charsca
    lex100 {ii }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i
    cotiza}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii e.
    t.c }\par\pard\li3040\ri0\sl-253\slmult0 \*\tx3186\fs16\cf0\f2\charscalex100 {\u
    c1\u61623X}\tab \fs24\cf0\f0\charscalex100 {ncas}\fs24\cf0\f0\charscalex100 {\uc1
    \u259X}\fs24\cf0\f0\charscalex100 {ri }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\f
    s24\cf0\f0\charscalex100 {i transferuri de cecuri de c}\fs24\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {l}\fs24\cf0\f0\charscalex100 {\uc1\u25
    9X}\fs24\cf0\f0\charscalex100 {torie }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs
    24\cf0\f0\charscalex100 {i bancare; }\par\pard\li3040\ri0\sl-266\slmult0 \*\tx31
    86\fs16\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {ordi
    ne de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}{ }\fs24\cf0\f0\charscalex100
    {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i mandate po}\fs24\cf0\f0\charscalex100
    {\uc1\u351X}\fs24\cf0\f0\charscalex100 {tale externe; }\par\pard\li1853\ri0\sl-2
    53\slmult0 \fs22\cf0\f0\charscalex100\b \i {Casa de schimb valutar}\b0 \i0 { }\f
    s22\cf0\f0\charscalex100 {poate cump}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 {ra n mod liber, contra lei, oricare din valutele }\p
    ar\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {cotate de Banca
    Na}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ional}\fs
    22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { a Romniei sub
    form}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { de n
    umerar }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i
    cecuri de c}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100
    {l}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {torie de
    la }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {persoanele
    fizice rezidente }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscale
    x100 {i nerezidente. Aceea}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\c
    harscalex100 {i cas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscal
    ex100 { de schimb valutar poate vinde valut}\fs24\cf0\f0\charscalex100 {\uc1\u25
    9X}\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {sub form}\fs2
    2\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { de numerar numai
    persoanelor fizice rezidente n Romnia care solicit}\fs22\cf0\f0\charscalex100 {\u
    c1\u259X}\fs22\cf0\f0\charscalex100 { schimbul }\par\pard\li1186\ri0\sl-266\slmu
    lt0 \fs24\cf0\f0\charscalex100 {valutar. }\par\pard\li1853\ri0\sl-253\slmult0 \f
    s24\cf0\f0\charscalex100 {n vederea asigur}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 {rii schimbului de bilete de banc}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { uzate, prezentate de c}\fs24\c
    f0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tre clien}\fs24\cf0\
    f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i, }\par\pard\li1186\ri
    0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {cu bilete bune, a preschimb}\fs2
    4\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii biletelor d
    eteriorate prezentate de c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 {tre popula}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0
    \charscalex100 {ie }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\chars
    calex100 {i a }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {
    schimbului de bilete de banc}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf

    0\f0\charscalex100 { cu monede metalice, unit}\fs22\cf0\f0\charscalex100 {\u


    c1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ile b}\fs22\cf0\f0\charscalex100
    {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ncii pot organiza case de }\par\par
    d\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {schimb. Tot prin casele
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    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop440\shpright11253\shpbottom453\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2590\shpz6\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}


    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2591\shpz7\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2592\shpz8\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop453\shpright973\shpbottom15360\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2593\shpz9\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}


    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop453\shpright11253\shpbottom15360\shpfhdr0\sh
    pwr3\shpwrk0\shpfblwtxt1\shplid2594\shpz10\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2595\shpz11\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2596\shpz12\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}


    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright11253\shpbottom15373\shpfhdr0\sh
    pwr3\shpwrk0\shpfblwtxt1\shplid2597\shpz13\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
    shpwr3\shpwrk0\shpfblwtxt1\shplid2598\shpz14\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
    shpwr3\shpwrk0\shpfblwtxt1\shplid2599\shpz15\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}

    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}


    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}\pgwsxn11400\pghsxn15640\marglsxn666\margrsxn13
    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 40 - }\par\pard\li1693\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1693\ri0\s
    l-453\slmult0 \fs24\cf0\f0\charscalex100 {Borderoul nso}\fs24\cf0\f0\charscalex1
    00 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {itor se pred}\fs24\cf0\f0\charscale
    x100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { referentului de la ghi}\fs24\c
    f0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {eul b}\fs24\cf0\f0\
    charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ncii care are n adminis
    trare }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {contul cl
    ientului. Dup}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { verificarea modului de ntocmire, exemplarele 1}{ }\fs24\cf0\f0\charscalex100 {\
    uc1\u351X}\fs24\cf0\f0\charscalex100 {i 3 ale borderoului }\par\pard\li1186\ri0\
    sl-253\slmult0 \fs24\cf0\f0\charscalex100 {se predau la casirie, pe cale intern}
    \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pard\
    li1693\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 { Cele 3 exemplare ale bor
    deroului au urm}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex10
    0 {toarea destina}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex
    100 {ie: }\par\pard\li1693\ri0\sl-253\slmult0 \fs24\cf0\f3\charscalex100 {o}{ }\
    fs24\cf0\f0\charscalex100\i \ul {exemplarul 1}\i0 \ul0 \fs24\cf0\f0\charscalex1
    00 {, semnat de casierie pentru primirea banilor }{ }\fs24\cf0\f0\charscale
    x100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i de compartimentul }\par\pard\li
    1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {decont}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ri - contabilitate pentru nregis
    trarea n jurnalul de cas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 { pentru ncas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0
    \charscalex100 {ri, ramne la }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\
    charscalex100 {casieria b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\ch
    arscalex100 {ncii ca act de cas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 { la ncas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\c
    harscalex100 {rile n numerar;}\par\pard\li1693\ri0\sl-266\slmult0 \fs22\cf0\f3\ch
    arscalex100 {o}{ }\fs22\cf0\f0\charscalex100\i \ul {exemplarul 2,}\i0 \ul0 \fs2
    2\cf0\f0\charscalex100 { avnd acelea}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs2
    2\cf0\f0\charscalex100 {i semn}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0
    \f0\charscalex100 {turi, se anexeaz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 { la extrasul de cont al }\par\pard\li1186\ri0\sl-2
    53\slmult0 \fs24\cf0\f0\charscalex100 {deponentului;}\par\pard\li1693\ri0\sl-266
    \slmult0 \fs22\cf0\f3\charscalex100 {o}{ }\fs20\cf0\f0\charscalex100\i \ul {exem
    plarul 3 - chitan}\i0 \ul0 \fs22\cf0\f0\charscalex100\ul {\uc1\u355X\uc1\u259X}\
    ul0 \fs22\cf0\f0\charscalex100 {, semnat de ncasator, dup}\fs22\cf0\f0\charscalex
    100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { verificarea pentru primirea gen}\fs
    22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ilor, }\par\pard
    \li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {se pred}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { depun}\fs24\cf0\f0\charscalex
    100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {torului, care semneaz}\fs24\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { de primire pe veso-ul exem
    plarului 1. }\par\pard\li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Pri
    mirea numerarului prin gen}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\c
    harscalex100 {i sigilate se face numai de la clien}\fs24\cf0\f0\charscalex100 {\
    uc1\u355X}\fs24\cf0\f0\charscalex100 {ii cu un volum mare }\par\pard\li1186\ri0\
    sl-253\slmult0 \fs22\cf0\f0\charscalex100 {de ncas}\fs22\cf0\f0\charscalex100 {\u

    c1\u259X}\fs22\cf0\f0\charscalex100 {ri, care au obliga}\fs22\cf0\f0\charscalex1


    00 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ia s}\fs22\cf0\f0\charscalex100 {\uc1
    \u259X}\fs22\cf0\f0\charscalex100 { concentreze numerarul de la subunit}\fs22\cf
    0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {ile lor. Pe
    ntru aceasta, }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {b
    anca ncheie cu clientul respectiv o conven}\fs22\cf0\f0\charscalex100 {\uc1\u
    355X}\fs22\cf0\f0\charscalex100 {ie scris}\fs22\cf0\f0\charscalex100 {\uc1\u259
    X}\fs22\cf0\f0\charscalex100 { prin care se stabilesc obliga}\fs22\cf0\f0\ch
    arscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iile }\par\pard\li1186\ri0\s
    l-253\slmult0 \fs24\cf0\f0\charscalex100 {reciproce ale p}\fs24\cf0\f0\charscale
    x100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\
    u355X}\fs24\cf0\f0\charscalex100 {ilor. }\par\pard\li1853\ri0\sl-253\slmult0 \fs
    22\cf0\f0\charscalex100 {La sfr}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs20\cf0
    \f0\charscalex100 {itul zilei operative, casierul de ncas}\fs22\cf0\f0\chars
    calex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ri totalizeaz}\fs22\cf0\f0\cha
    rscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { sumele ncasate pe grupe }
    \par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {contabile utilizn
    d n acest scop actele de cas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 {, dup}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsca
    lex100 { care trece totalurile n situa}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs
    24\cf0\f0\charscalex100 {ia ncas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 {rilor }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\chars
    calex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i le confrunt}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { cu totalurile nscrise n ju
    rnalele de cas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 {, att pentru exactitate ct }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24
    \cf0\f0\charscalex100 {i pentru }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\
    f0\charscalex100 {primirea actelor de cas}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 { din ziua respectiv}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, iar referentul contabil semneaz}\
    fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { situa}\fs24\
    cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ia }\par\pard\li118
    6\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ncas}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rilor n dreptul grupei respective, pentru
    confirmarea sumei. }\par\pard\li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex
    100 {La nchiderea casei, casierul ncasator va preda }{ }\fs24\cf0\f0\charsca
    lex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {efului serviciului casierie si
    tua}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ia }\par\
    pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ncas}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rilor mpreun}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { cu documentele de cas}\fs24\cf
    0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, precum }{ }\fs24\cf
    0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i registrul de eviden
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { a
    numerarului }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {ma
    nipulate. }{ }\fs24\cf0\f0\charscalex100 {\uc1\u350X}\fs24\cf0\f0\charscalex100
    {eful serviciului casierie va verifica dac}\fs24\cf0\f0\charscalex100 {\uc1
    \u259X}\fs24\cf0\f0\charscalex100 { num}\fs24\cf0\f0\charscalex100 {\uc1\u259X}
    \fs24\cf0\f0\charscalex100 {rul documentelor de ncas}\fs24\cf0\f0\charscalex10
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    0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ncii, acordarea ava
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    \cf0\f0\charscalex100 {te }{ }\fs22\cf0\f0\charscalex100\i {ordinul de plat}\i
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    scalex100 { a depunerii }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\char
    scalex100 {excedentului de numerar la sucursalele B}\fs22\cf0\f0\charscalex
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    24\cf0\f0\charscalex100 {, o anumita sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X}
    \fs24\cf0\f0\charscalex100 { de }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f
    0\charscalex100 {bani nseamn}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 { a pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsca
    lex100 {ti sau a face s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\char
    scalex100 { se pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 {teasc}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { r
    espectiva sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { de bani. O astfel de dispozi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\

    f0\charscalex100 {ie }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscale


    x100 {este considerata ordin de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 { numai dac}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24
    \cf0\f0\charscalex100 {: }\par\pard\li2040\ri0\sl-266\slmult0 \*\tx2373\fs22\cf0
    \f0\charscalex100 {a)}\tab \fs22\cf0\f0\charscalex100 {societatea bancar}\fs22\
    cf0\f0\charscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { receptoare dispu
    ne de fondurile reprezentate prin respectiva }\par\pard\li2373\ri0\sl-253\sl
    mult0 \fs22\cf0\f0\charscalex100 {sum}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    20\cf0\f0\charscalex100 { de bani - fie prin debitarea unui cont al em
    itentului, fie prin ncasarea }\par\pard\li2373\ri0\sl-266\slmult0 \fs24\cf0\f0\
    charscalex100 {acestora de la emitent; }\par\pard\li2040\ri0\sl-253\slmult0 \*\t
    x2373\fs24\cf0\f0\charscalex100 {b)}\tab \fs24\cf0\f0\charscalex100 {nu prevede
    ca plata trebuie sa fie f}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\ch
    arscalex100 {cut}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { la cererea beneficiarului. }\par\pard\li1853\ri0\sl-266\slmult0 \fs22\cf0\f
    0\charscalex100 {Ordinul de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\
    cf0\f0\charscalex100 { poate fi emis pe suport clasic (hrtie) sau pe sup
    orturi }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {neconven
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionale (magn
    etic, electronic), iar }\fs24\cf0\f0\charscalex100\i {participan}\i0 \fs24\cf0\f
    0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100\i {ii}\i0 { }\fs24\cf0\f0
    \charscalex100 {la circuitul acestuia sunt : emitentul, }\par\pard\li1186\ri0\sl
    -253\slmult0 \fs24\cf0\f0\charscalex100 {pl}\fs24\cf0\f0\charscalex100 {\uc1\u25
    9X}\fs24\cf0\f0\charscalex100 {titorul (care n general este emitentul), bene
    ficiarul, societatea bancar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 { ini}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\chars
    calex100 {iatoare, }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex1
    00 {societatea bancar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 { destinatar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}{ }\fs24\cf0\f0\char
    scalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i societ}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i bancare intermediare.
    }\par\pard\li1853\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {Derularea unui
    transfer \uc1\u8211X credit se desf}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\
    u351X}\fs24\cf0\f0\charscalex100 {oar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 { pe baza unor principii de procedur}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { din }\par\pard\li1186\ri0\sl-26
    6\slmult0 \fs24\cf0\f0\charscalex100 {care decurg obliga}\fs24\cf0\f0\charscalex
    100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii, respectiv drepturi, riguros stab
    ilite pentru participan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\char
    scalex100 {i. }\par\pard\li1853\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {A
    stfel, }{ }\fs22\cf0\f0\charscalex100\i {emitentul }\i0 { }\fs22\cf0\f0\charscal
    ex100 {are obliga}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscale
    x100 {ii n leg}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex10
    0 {tur}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { cu e
    miterea }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i
    plata ordinului de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0
    \charscalex100 { iar }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscal
    ex100\i {pl}\i0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex10
    0\i {titorul}\i0 \fs24\cf0\f0\charscalex100 { se oblig}\fs24\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la plata spezelor bancare aferente pr
    oces}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii ordi
    nului de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    {. }\par\pard\li1853\ri0\sl-253\slmult0 \fs20\cf0\f0\charscalex100\i {Societate
    a bancar}\i0 \fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100\
    i { ini}\i0 \fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100\i
    {iatoare}\i0 \fs20\cf0\f0\charscalex100 { se oblig}\fs22\cf0\f0\charscalex100
    {\uc1\u259X}\fs20\cf0\f0\charscalex100 { la returnarea sumei n caz de nefi
    nalizare a }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {tran
    sferului \uc1\u8211X credit }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0
    \charscalex100 {i plata dobnzilor de ntrziere cnd este cazul. }\par\pard\li1853\ri0

    \sl-253\slmult0 \fs22\cf0\f0\charscalex100\i {Societatea bancar}\i0 \fs22\cf0\f0


    \charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100\i { receptoare}\i0 \fs22\
    cf0\f0\charscalex100 { este obligat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 { cu privire la recep}\fs22\cf0\f0\charscalex100 {\uc
    1\u355X}\fs22\cf0\f0\charscalex100 {ia, autentificarea, }\par\pard\li1186\ri0\s
    l-266\slmult0 \fs22\cf0\f0\charscalex100 {acceptarea sau refuzul, executarea ord
    inului de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100
    { recep}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iona
    t, plata dobnzii de ntrziere }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\char
    scalex100 {(cnd este cazul). }\par\pard\li1853\ri0\sl-253\slmult0 \fs22\cf0\f0\c
    harscalex100\i {Destinatara}\i0 \fs22\cf0\f0\charscalex100 {, la rndul ei, ar
    e obliga}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii
    n leg}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {tur}\fs
    22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { cu : recep}\f
    s22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ia, autentific
    area, }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {acceptare
    a sau refuzul, punerea fondurilor la dispozi}\fs22\cf0\f0\charscalex100 {\u
    c1\u355X}\fs22\cf0\f0\charscalex100 {ia beneficiarului, plata dobnzii de }\pa
    r\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ntrziere. }\par\pard\
    li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Finalizarea transferului
    \uc1\u8211X credit se face atunci cnd societatea bancar}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { destinatar}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex1
    00 {accept}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { o
    rdinul de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { n favoarea beneficiarului. }\par\pard\li1853\ri0\sl-266\slmult0 \*\tx6800\fs22
    \cf0\f0\charscalex100 {Ordinul de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}
    \fs22\cf0\f0\charscalex100 { se ntocme}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\
    fs22\cf0\f0\charscalex100 {te de c}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    2\cf0\f0\charscalex100 {tre pl}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0
    \f0\charscalex100 {titor, n}\tab \fs20\cf0\f0\charscalex100\i {trei exemplare }
    \i0 { }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i se
    depune la }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {uni
    tatea bancar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    la care are deschis contul curent nso}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs
    24\cf0\f0\charscalex100 {it sau nenso}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs2
    4\cf0\f0\charscalex100 {it de borderou. }\par\pard\li1853\ri0\sl-266\slmult0 \fs
    24\cf0\f0\charscalex100 {n baza }\fs22\cf0\f0\charscalex100\i {primului exemplar}
    \i0 \fs24\cf0\f0\charscalex100 { are loc debitarea contului pl}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {titorului }\fs24\cf0\f0\charsc
    alex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i r}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X}\fs24\cf0\f0\charscalex100 {mne la banc}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 { la }\par\pard\li1186\ri0\sl-253\slmult0 \f
    s22\cf0\f0\charscalex100 {dosarul cu actele zilei. }{ }\fs22\cf0\f0\charscalex
    100\i {Exemplarul trei}\i0 \fs20\cf0\f0\charscalex100 { se restituie pl}\fs22\
    cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {titorului ca anex
    }\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { la extrasu
    l de cont. }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100\i {Ex
    emplarul doi}\i0 \fs24\cf0\f0\charscalex100 { mpreun}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X}\fs24\cf0\f0\charscalex100 { cu avizul OIS de creditare sunt remise p
    rin sistemul de decontare }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\char
    scalex100 {interbancar b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\cha
    rscalex100 {ncii beneficiarului de sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs22\cf0\f0\charscalex100 { care serve}\fs24\cf0\f0\charscalex100 {\uc1\u351
    X}\fs22\cf0\f0\charscalex100 {te la creditarea contului acestuia, dup}\fs24\
    cf0\f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f
    0\charscalex100 {care i se remite ca anex}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 { la extrasul de cont. }\par\pard\li1853\ri0\sl-266\
    slmult0 \fs22\cf0\f0\charscalex100 {n cazul n care ordinele de plat}\fs22\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { sunt prezentate la banc}\f

    s22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { nso}\fs22\cf0\f


    0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ite de borderou, acesta
    }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {se ntocme}\fs24\
    cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {te de c}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tre pl}\fs24\cf0\f0\char
    scalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {titor n dou}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { exemplare, din care exemplarul
    nr. 1 se retine de c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsca
    lex100 {tre }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {ref
    erentul de ghi}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100
    {eu iar exemplarul nr. 2 se restituie pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 {titorului. }\par\pard\li1853\ri0\sl-253\slmult0 \fs
    22\cf0\f0\charscalex100 {Odat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f
    0\charscalex100 { cu recep}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\c
    harscalex100 {ia, referentul de ghi}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22
    \cf0\f0\charscalex100 {eu efectueaz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22
    \cf0\f0\charscalex100 {, n prezen}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf
    0\f0\charscalex100 {a clientului, opera}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\
    fs22\cf0\f0\charscalex100 {iunile }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0
    \f0\charscalex100 {de autentificare }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs2
    4\cf0\f0\charscalex100 {i acceptare a ordinului de plat}\fs24\cf0\f0\charscalex1
    00 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pard\li1853\ri0\sl-253\slmult
    0 \fs24\cf0\f0\charscalex100\i {Autentificarea}\i0 \fs24\cf0\f0\charscalex100 {
    este procedura de recunoa}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f
    0\charscalex100 {tere a persoanelor pe care emitentul }\par\pard\li1186\ri0
    \sl-266\slmult0 \fs24\cf0\f0\charscalex100 {ordinului de plat}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { le autorizeaz}\fs24\cf0\f0\cha
    rscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { s}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 { semneze autentic, prin confruntarea se
    mn}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {turilor nsc
    rise }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {n ordinul d
    e plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { cu ce
    le din fi}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {ele
    specimenelor de semn}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 {turi. }\par\pard\li1853\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100\i
    {Acceptarea}\i0 \fs22\cf0\f0\charscalex100 { este procedura prin care unitatea
    bancar}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { recun
    oa}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {te valabil
    itatea ordinului }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100
    {de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}{ }\fs22\cf0\f0\charscalex100 {
    \uc1\u351X}\fs22\cf0\f0\charscalex100 {i se oblig}\fs22\cf0\f0\charscalex100 {\u
    c1\u259X}\fs22\cf0\f0\charscalex100 { s}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\
    fs22\cf0\f0\charscalex100 { transfere fondurile b}\fs22\cf0\f0\charscalex100 {\u
    c1\u259X}\fs22\cf0\f0\charscalex100 {ne}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\
    fs22\cf0\f0\charscalex100 {ti, dup}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\
    cf0\f0\charscalex100 { verificarea existen}\fs22\cf0\f0\charscalex100 {\uc1\u355
    X}\fs22\cf0\f0\charscalex100 {ei disponibilului n }\par\pard\li1186\ri0\sl-253\sl
    mult0 \fs22\cf0\f0\charscalex100 {contul pl}\fs22\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs22\cf0\f0\charscalex100 {titorului, la termenele }{ }\fs22\cf0\f0\chars
    calex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i n condi}\fs22\cf0\f0\charscal
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    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}\pgwsxn11400\pghsxn15640\marglsxn666\margrsxn13
    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 44 - }\par\pard\li1186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1186\ri0\s
    l-453\slmult0 \fs24\cf0\f0\charscalex100 {disponibil n cont sau nu sunt ndeplinite
    condi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iile p
    rev}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {zute pent
    ru autentificare-acceptare, }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\ch
    arscalex100 {ordinul de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0
    \charscalex100 { se restituie emitentului. }\par\pard\li1853\ri0\sl-253\slmult0
    \fs22\cf0\f0\charscalex100\i {Executarea}\i0 \fs22\cf0\f0\charscalex100 { este
    procedura prin care unitatea bancar}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\
    fs22\cf0\f0\charscalex100 { ini}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf
    0\f0\charscalex100 {iatoare debiteaz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs
    22\cf0\f0\charscalex100 { contul }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0
    \f0\charscalex100 {pl}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charsc
    alex100 {titorului }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscal
    ex100 {i remite ordinul de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0
    \f0\charscalex100 { (nso}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\char
    scalex100 {it de avizul OIS de creditare pentru decont}\fs22\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {rile n }\par\pard\li1186\ri0\sl-253\slm
    ult0 \fs22\cf0\f0\charscalex100 {sistemul intrabancar, sau de dispozi}\fs22\cf0\
    f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ie de plat}\fs22\cf0\f0
    \charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { centralizatoare pentru d
    econt}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {rile n s
    istemul }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {interba
    ncar) n scopul transfer}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\chars
    calex100 {rii fondurilor b}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\c
    harscalex100 {ne}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex1
    00 {ti la beneficiar. Nu se ntocme}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\c
    f0\f0\charscalex100 {te aviz OIS }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\
    f0\charscalex100 {sau dispozi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f
    0\charscalex100 {ie de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 { centralizatoare n cazul n care pl}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 {titorul }{ }\fs24\cf0\f0\charscalex100
    {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i beneficiarul au conturi }\par\pard\l
    i1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {deschise la aceea}\fs24\c
    f0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i unitate bancar}\

    fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, creditarea


    contului beneficiarului efectundu-se n acest }\par\pard\li1186\ri0\sl-253\slmult
    0 \fs24\cf0\f0\charscalex100 {caz pe baza exemplarului nr. 2 al ordinului de pla
    t}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\par
    d\li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Referentul de ghi}\fs2
    4\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {eu pred}\fs24\cf0
    \f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ordinele de plat}\
    fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { (exemplarul
    nr. 2), nso}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100
    {ite de band}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-25
    3\slmult0 \fs24\cf0\f0\charscalex100 {totalizatoare de control, grupei OIS pentr
    u prelucrare n vederea transfer}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\
    f0\charscalex100 {rii fondurilor b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 {ne}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\cha
    rscalex100 {ti }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {
    la banca destinatara. La grupa OIS, ordinele de plat}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { se grupeaz}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { pe sisteme de decont}\fs24
    \cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ri }\par\pard\li11
    86\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {(interbancare }\fs24\cf0\f0\ch
    arscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i intrabancare) }\fs24\cf0\f
    0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i pe modalit}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X\uc1\u355X}\fs22\cf0\f0\charscalex100 {i de transmite
    re (letric, telex }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscale
    x100 {i electronic). }\par\pard\li1853\ri0\sl-266\slmult0 \fs24\cf0\f0\charscale
    x100\i {Unitatea bancar}\i0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100\i { intermediar}\i0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 { va interveni numai n cazul decont}\fs24\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rilor interbancare, }\par\pard\li1186\
    ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {caz n care ordinele de plat}\fs24\
    cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { se primesc telex s
    au letric }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i
    se preg}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tesc
    de grupa OIS n vederea }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscal
    ex100 {compens}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    {rii. }\par\pard\li1853\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100 {Exemplar
    ele nr. 2 ale ordinelor de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    0\cf0\f0\charscalex100 { primite letric, dar care au fost introduse la }\
    par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {compensare pe baz
    }\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { de dispozi}
    \fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ii telex, se
    grupeaz}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { pe s
    ociet}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex10
    0 {i bancare destinatare }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\ch
    arscalex100 {i se remit }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charsc
    alex100 {acestora prin agen}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\
    charscalex100 {ii de compensare, n pachet separat pe care se nscrie confirmat tele
    x , }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {f}\fs22\cf0\
    f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {r}\fs22\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { alte nregistr}\fs22\cf0\f0\chars
    calex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ri contabile. Ordinele de p
    lat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs20\cf0\f0\charscalex100 { primite
    de la celelalte societ}\fs22\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs
    22\cf0\f0\charscalex100 {i bancare }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\c
    f0\f0\charscalex100 {destinate agen}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24
    \cf0\f0\charscalex100 {iilor sau punctelor de lucru se remit pe parcurs intraban
    car numai prin sistem }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscal
    ex100 {electronic, n vederea accept}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 {rii sau refuz}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24
    \cf0\f0\charscalex100 {rii lor n maximum dou}\fs24\cf0\f0\charscalex100 {\uc1\u25

    9X}\fs24\cf0\f0\charscalex100 { zile lucr}\fs24\cf0\f0\charscalex100 {\uc1\u259X


    }\fs24\cf0\f0\charscalex100 {toare de la data }\par\pard\li1186\ri0\sl-266\slmul
    t0 \fs24\cf0\f0\charscalex100 {compens}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\f
    s24\cf0\f0\charscalex100 {rii lor. }\par\pard\li1853\ri0\sl-253\slmult0 \fs22\cf
    0\f0\charscalex100 {n cazul n care beneficiarul }{ }\fs22\cf0\f0\charscalex100 {
    \uc1\u351X}\fs22\cf0\f0\charscalex100 {i emitentul ordinului de plat}\fs22\c
    f0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { au conturi desch
    ise la }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {aceea}\
    fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {i unitate banc
    ar}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {, virarea
    sumei n contul beneficiarului se face n aceea}\fs22\cf0\f0\charscalex100 {\uc1\u35
    1X}\fs22\cf0\f0\charscalex100 {i zi bancar}\fs22\cf0\f0\charscalex100 {\uc1\u259
    X}\fs22\cf0\f0\charscalex100 {, }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f
    0\charscalex100 {prin debitarea contului pl}\fs22\cf0\f0\charscalex100 {\uc1\u
    259X}\fs22\cf0\f0\charscalex100 {titorului n baza primului exemplar al ordi
    nului de plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex10
    0 {, care }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {r}\f
    s22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {mne la banc}\f
    s22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { la dosarul
    cu actele zilei }{ }\fs22\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charsca
    lex100 {i creditarea contului beneficiarului pe baza }\par\pard\li1186\ri0\
    sl-266\slmult0 \fs22\cf0\f0\charscalex100 {exemplarului nr. 2 al ordinului de pl
    at}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {, care se
    remite acestuia ca anex}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\char
    scalex100 { la extrasul de cont. }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\
    f0\charscalex100 {Exemplarul nr. 3 al ordinului de plat}\fs24\cf0\f0\charscalex1
    00 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { se restituie pl}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {titorului. }\par\pard\li1853\ri0\
    sl-266\slmult0 \fs24\cf0\f0\charscalex100 {Unitatea bancar}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { destinatar}\fs24\cf0\f0\charscale
    x100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { care prime}\fs24\cf0\f0\charscalex
    100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {te ordine de plat}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, avnd men}\fs24\cf0\f0\charscal
    ex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionate pe ele o }\par\pard\li1186\
    ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {dat}\fs22\cf0\f0\charscalex100 {\
    uc1\u259X}\fs22\cf0\f0\charscalex100 { viitoare n care trebuie s}\fs22\cf0\f
    0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { se pun}\fs22\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { fondurile b}\fs22\cf0\f0
    \charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ne}\fs22\cf0\f0\charscale
    x100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {ti la dispozi}\fs22\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ia beneficiarului, le }\par\pa
    rd\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {grupeaz}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { n func}\fs24\cf0\f0\charsca
    lex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie de aceste date }{ }\fs24\cf
    0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i le nregistreaz}\fs
    24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { n contabilitate
    n contul Depozite }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscale
    x100 {pentru ordine de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 { cu scaden}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\f
    s24\cf0\f0\charscalex100 { simbol 25334. La data scaden}\fs24\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ei, unitatea bancar}\fs24\cf0\
    f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\ch
    arscalex100 {destinatar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\char
    scalex100 { crediteaz}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 { contul beneficiarului prin debitul contului Depozite pentru ordine de
    }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {plat}\fs24\cf0\
    f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { cu scaden}\fs24\cf0\f0
    \charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { . }\par\pard\li
    1853\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {n situa}\fs24\cf0\f0\charsca
    lex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ia n care }\fs22\cf0\f0\charscalex

    100\i {decontarea se efectueaz}\i0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\


    cf0\f0\charscalex100\i { ntre unit}\i0 \fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1
    \u355X}\fs24\cf0\f0\charscalex100\i {i bancare diferite}\i0 \fs24\cf0\f0\charsca
    lex100 {, ordinele de }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscal
    ex100 {plat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {
    se primesc telex, letric sau electronic n conformitate cu prevederile nor
    melor }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {metodolog
    ice privind eviden}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscal
    ex100 {a }{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {
    i controlul decont}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsca
    lex100 {rilor reciproce ntre unit}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u
    355X}\fs24\cf0\f0\charscalex100 {ile b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\
    fs24\cf0\f0\charscalex100 {ncilor }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0
    \f0\charscalex100 {comerciale. Utilizarea ordinului de plat}\fs24\cf0\f0\cha
    rscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ca instrument de deconta
    re conduce, n anumite }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charsca
    lex100 {cazuri, la apari}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\c
    harscalex100 {ia unor situa}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f
    0\charscalex100 {ii cnd unitatea bancar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}
    \fs24\cf0\f0\charscalex100 { ini}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\c
    f0\f0\charscalex100 {iatoare sau destinatar}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 { nu accept}\fs24\cf0\f0\charscalex100 {\uc1\u25
    9X}\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {ordinele de p
    lat}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { introdus
    e n banc}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { de c
    }\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {tre clien}\f
    s22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ii lor. n aceste
    cazuri, unitatea bancar}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\cha
    rscalex100 { este }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex10
    0 {obligat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { comunice
    despre refuzul acestuia, titularului de cont, cel trziu n ziua bancar}\fs
    24\cf0\f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf
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    {\uc1\u355X}\fs24\cf0\f0\charscalex100 {a (contractual) prin care creditorul (n
    umit cedent) transmite n }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charsc
    alex100 {mod voluntar, cu titlu oneros sau cu titlu gratuit, dreptul sau de crea
    n}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {a unei alte
    persoane }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {(numi
    ta cesionar), care va deveni astfel creditor n locul sau si va putea n
    casa de la }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {d
    ebitor crean}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {
    a cedata. }\par\pard\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {Art.
    16 din Legea nr. 59/1934: Girul trebuie sa fie necondi}\fs22\cf0\f0\charscalex10
    0 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ionat. Orice condi}\fs22\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iune la }\par\pard\li1186\ri0\sl
    -253\slmult0 \fs22\cf0\f0\charscalex100 {care este supus, se socote}\fs22\cf0\f0
    \charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {te nescris}\fs22\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {. Cecul fiind indivizibil g
    irul par}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {ial
    este nul, deoarece nu }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscal
    ex100 {se poate admite ca o parte a crean}\fs22\cf0\f0\charscalex100 {\uc1\u355X
    }\fs22\cf0\f0\charscalex100 {ei ncorporata n el sa apar}\fs22\cf0\f0\charscalex100
    {\uc1\u355X}\fs22\cf0\f0\charscalex100 {in}\fs22\cf0\f0\charscalex100 {\uc1\u25
    9X}\fs22\cf0\f0\charscalex100 { giratarului, iar cealalt}\fs22\cf0\f0\charscalex
    100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { parte }\par\pard\li1186\ri0\sl-253\
    slmult0 \fs22\cf0\f0\charscalex100 {girantului. Este de asemenea nul girul tras
    ului. Girul \uc1\u8222X la purt}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0
    \f0\charscalex100 {tor\uc1\u8221X este echivalent unui gir n }\par\pard\li1186\ri
    0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {alb. Girul n folosul trasului are va
    loarea unei chitan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscale
    x100 {e n afar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { de cazul cnd trasul are mai }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\c

    harscalex100 {multa stabilimente si dac}\fs22\cf0\f0\charscalex100 {\uc1\u259


    X}\fs22\cf0\f0\charscalex100 { girul a fost f}\fs22\cf0\f0\charscalex100 {\u
    c1\u259X}\fs22\cf0\f0\charscalex100 {cut n folosul unui stabiliment, altul d
    ect acela }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {asupr
    a c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ruia cecu
    l a fost tras. }\par\pard\li1866\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {
    Cecul poate fi girat n folosul tr}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 {g}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\c
    harscalex100 {torului sau oric}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 {rui alt obligat prin instrumentul }\par\pard\li1186\ri0\sl
    -253\slmult0 \fs22\cf0\f0\charscalex100 {respectiv. Aceste persoane care devin a
    stfel giratari pot sa gireze la rndul lor cecul. Pe cec }\par\pard\li1186\ri0\sl266\slmult0 \fs24\cf0\f0\charscalex100 {pot fi indica}\fs24\cf0\f0\charscalex1
    00 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i mai mu}\fs24\cf0\f0\charscalex100
    {\uc1\u355X}\fs22\cf0\f0\charscalex100 {i giratari fie n mod cumulativ, caz
    n care exercitarea drepturilor se }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\
    cf0\f0\charscalex100 {face da c}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0
    \f0\charscalex100 {tre to}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\ch
    arscalex100 {i de comun acord, fie alternativ, caz n care oricare dintre giratari
    care se afla }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {n
    posesia cecului pot sa exercite drepturile privind respectivul cec. Dac}\fs22\cf
    0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { n gir au fost indica}
    \fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {i }\par\pard\
    li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {mai mul}\fs22\cf0\f0\char
    scalex100 {\uc1\u355X}\fs20\cf0\f0\charscalex100 {i giratari n mod cumulativ,
    atunci pentru transmiterea cecului prin gir, trebuie ca }\par\pard\li1186\
    ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {cecul sa poarte semn}\fs24\cf0\f0
    \charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tura tuturor giratorilor,
    care devin la rndul lor giran}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f
    0\charscalex100 {i. }\par\pard\li1866\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex
    100 {Girul poate fi \uc1\u8222Xn plin\uc1\u8221X sau \uc1\u8222Xn alb\uc1\u8221X.
    Girul poate fi scris pe spatele cecului sau pe un }\par\pard\li1186\ri0\sl-253\s
    lmult0 \fs24\cf0\f0\charscalex100 {adaos al acestuia(\uc1\u8222Xfoaie de prelung
    ire\uc1\u8221X sau \uc1\u8222Xallonge\uc1\u8221X). }\par\pard\li1866\ri0\sl-266\
    slmult0 \fs24\cf0\f0\charscalex100 {Girul \uc1\u8222Xn plin\uc1\u8221X presupun
    e declara}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ia
    girantului semnata si datat de el cuprinznd }\par\pard\li1186\ri0\sl-253\
    slmult0 \fs24\cf0\f0\charscalex100 {ordinul adresat trasului de a pl}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {i unei anumite
    persoane indicate de girant. Acest gir trebuie }\par\pard\li1186\ri0\sl-266\sl
    mult0 \fs24\cf0\f0\charscalex100 {sa cuprind}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 { urm}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 {toarele elemente: }\par\pard\li1866\ri0\sl-253\slmult0 \
    fs24\cf0\f0\charscalex100 {semn}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 {tura girantului, care este elementul esen}\fs24\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ial al girului; }\par\pard\li186
    6\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {numele giratarului; }\par\pard
    \li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {data gir}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii. n cazul lipsei datei
    gir}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii ace
    asta va putea fi dovedita prin toate }\par\pard\li1186\ri0\sl-266\slmult0 \
    fs24\cf0\f0\charscalex100 {mijloacele de proba admise de Codul Comercial art.57
    . }\par\pard\li1866\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {Girul \uc1\u
    8222X n alb\uc1\u8221X produce acelea}\fs22\cf0\f0\charscalex100 {\uc1\u351X}\
    fs20\cf0\f0\charscalex100 {i efecte ca si girul \uc1\u8222Xn plin\uc1\u8221X
    si permite posesorului }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\cha
    rscalex100 {CEC-ului sa l transmit}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 {
    f}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscale
    x100 { a lua asupra sa nici o r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs

    22\cf0\f0\charscalex100 {spundere, deoarece numele s}\fs24\cf0\f0\charscalex1


    00 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {u nu}\par\pard\li1186\ri0\sl-266\slmu
    lt0 \fs22\cf0\f0\charscalex100 {figureaz}\fs22\cf0\f0\charscalex100 {\uc1\u259X}
    \fs22\cf0\f0\charscalex100 { pe CEC. De asemenea girul \uc1\u8222Xn alb\uc1\u822
    1X permite darea n gaj a cecului si scoaterea lui }\par\pard\li1186\ri0\sl-253\sl
    mult0 \fs24\cf0\f0\charscalex100 {din gaj, f}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 { ca aceste opera}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs
    24\cf0\f0\charscalex100 {ii sa lase urme pe cec. }\par\pard\li1866\ri0\sl-266\sl
    mult0 \fs22\cf0\f0\charscalex100 {Avnd n vedere avantajele prezentate n folosirea l
    ui, cecul are si unele dezavantaje si }\par\pard\li1186\ri0\sl-253\slmult0 \fs22
    \cf0\f0\charscalex100 {anume n cazul n care o persoana pierde prin orice ntmplare p
    osesia unui cec, noul posesor }\par\pard\li1186\ri0\sl-266\slmult0 \fs22\cf0\f0\
    charscalex100 {de buna credin}\fs22\cf0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f
    0\charscalex100 {a nu este obligat sa predea cecul. Noul posesor va trebui sa fa
    c}\fs22\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 { dovada ca
    are }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {dreptul la
    posesia actului. Posesorul care dobnde}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs
    24\cf0\f0\charscalex100 {te cu rea credin}\fs24\cf0\f0\charscalex100 {\uc1\u355X
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    \cf0\f0\charscalex100 {te }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\char
    scalex100 {o gre}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex1
    00 {eal}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { grav
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    {iune de revendicare privind posesia }\par\pard\li1186\ri0\sl-266\slmult0 \fs22
    \cf0\f0\charscalex100 {cecului nu revine posesorului cecului ci reclamantul
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    0\f0\charscalex100 { faptul ca }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\
    f0\charscalex100 {posesorul este de rea credin}\fs24\cf0\f0\charscalex100 {\uc1\
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    \cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {torul exprima sum}
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    4\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ntr-o alta moneda
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    i1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {n temeiul art. 30 din Leg
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    harscalex100 {ilor si }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\charsca
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    cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { sau o alta }\par\p
    ard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {societate de credit,
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    \par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {cecurilor n momen
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    }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {din valoarea ce
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    \cf0\f0\charscalex100 {iune asupra c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
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    0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {iunea nu se va putea
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    cf0\f0\charscalex100 {rii }\par\pard\li1186\ri0\sl-253\slmult0 \fs22\cf0\f0\char
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    2\cf0\f0\charscalex100 {iunea \uc1\u8222X ACHITAT\uc1\u8221X. Este interzisa emi
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    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2160}}
    {\sp{\sn geoBottom}{\sv 1214}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,1213);(2173,1213);(2173,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457

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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn geoRight}{\sv 2440}}
    {\sp{\sn geoBottom}{\sv 1214}}
    {\sp{\sn shapePath}{\sv 4}}
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    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\shp{\*\shpinst\shpleft4013\shptop2560\shpright7400\shpbottom2680\shpfhdr0\shpw
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    {\sp{\sn fFlipV}{\sv 0}}
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    {\sp{\sn geoBottom}{\sv 120}}
    {\sp{\sn shapePath}{\sv 4}}
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    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft4013\shptop2973\shpright7400\shpbottom3080\shpfhdr0\shpw
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    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    {\sp{\sn rotation}{\sv 0}}
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    866\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1866\ri0\sl-213\slmult0 \fs18\cf0\pa
    r\pard\li1866\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1866\ri0\sl-280\slmult0 \f
    s24\cf0\f0\charscalex100 {Biletul la ordin cuprinde : }\par\column\pard\li0\ri0\
    sl-253\slmult0 \fs24\cf0\f0\charscalex100 {- 52 - }\par\pard\sect\sectd\sbknone\
    pgwsxn11400\pghsxn15640\marglsxn666\margrsxn133\pard\li1520\ri0\sl-320\slmult0 \
    *\tx1866\fs24\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100
    {denumirea de bilet la ordin trecuta n nsu}\fs24\cf0\f0\charscalex100 {\uc1\u351X
    }\fs24\cf0\f0\charscalex100 {i textul titlului ; }\par\pard\li1520\ri0\sl-280\sl
    mult0 \*\tx1866\fs24\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charsc
    alex100 {promisiunea necondi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0
    \charscalex100 {ionat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 { de a pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 {ti o sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { determinata ; }\par\pard\li1520\ri0\sl-280\slmult0 \*\tx1866\fs24\cf0\f2\chars
    calex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {ar}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tarea locului unde trebuie f}\fs24
    \cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {cut}\fs24\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { plat}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ;numele aceluia c}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ruia sau la ordinul c}\fs24\
    cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ruia }\par\pard\li1
    186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {trebuie f}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {cut}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X}\fs24\cf0\f0\charscalex100 { plat}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 { ; }\par\pard\li1520\ri0\sl-280\slmult0 \*\tx186
    6\fs24\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {ar}\f

    s24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tarea datei si


    locului emiterii ; }\par\pard\li1520\ri0\sl-293\slmult0 \*\tx1866\fs24\cf0\f2\ch
    arscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100 {emitentului. }\par\pa
    rd\li1866\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {Titlul c}\fs22\cf0\f0\c
    harscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {ruia i lipse}\fs22\cf0\f0\ch
    arscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100 {te vreuna din condi}\fs22\cf
    0\f0\charscalex100 {\uc1\u355X}\fs22\cf0\f0\charscalex100 {iile ar}\fs22\cf0\f0\
    charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100 {tate mai sus nu va fi cons
    iderat bilet la }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100
    {ordin. Biletului la ordin a c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 {rui scadenta nu este ar}\fs24\cf0\f0\charscalex100 {\uc
    1\u259X}\fs24\cf0\f0\charscalex100 {tata este socotit pl}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tibil la vedere. }\par\pard\li1
    186\ri0\sl-253\slmult0 \fs22\cf0\f0\charscalex100 {Obliga}\fs22\cf0\f0\charscale
    x100 {\uc1\u355X}\fs20\cf0\f0\charscalex100 {ia emitentului unui bilet la o
    rdin este similara cu aceea a trasului acceptat al unei }\par\pard\li1186
    \ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {cambii. }\par\pard\li1866\ri0\sl
    -253\slmult0 \fs24\cf0\f0\charscalex100 {Biletul la ordin poate fi transmis n urm
    }\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {toarele modu
    ri : }\par\pard\li1866\ri0\sl-253\slmult0 \*\tx2200\fs24\cf0\f0\charscalex100 {a
    )}\tab \fs24\cf0\f0\charscalex100 {prin gir. Girul este un act prin care po
    sesorul
    biletului la ordin numit girant, }\par\pard\li2200\ri0\sl-253\slmu
    lt0 \fs24\cf0\f0\charscalex100 {transfer}\fs24\cf0\f0\charscalex100 {\uc1\u259X}
    \fs24\cf0\f0\charscalex100 { altei persoane numit}\fs24\cf0\f0\charscalex100
    {\uc1\u259X}\fs24\cf0\f0\charscalex100 { girator, toate drepturile izvornd di
    n biletul la }\par\pard\li2200\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {
    ordin . Girul poate fi f}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\cha
    rscalex100 {cut n folosul trasului, indiferent dac}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 { a acceptat sau nu, al }\par\pard\li2200\r
    i0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {tr}\fs24\cf0\f0\charscalex100 {\uc
    1\u259X}\fs24\cf0\f0\charscalex100 {g}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 {torului sau al oric}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 {rui obligat. Ace}\fs24\cf0\f0\charscalex100
    {\uc1\u351X}\fs24\cf0\f0\charscalex100 {tia pot s}\fs24\cf0\f0\charscalex100 {
    \uc1\u259X}\fs24\cf0\f0\charscalex100 { gireze din nou cambia. Girul }\par\
    pard\li2200\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {trebuie s}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { fie necondi}\fs24\cf0\f
    0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionat }\fs24\cf0\f0\char
    scalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i semnat de c}\fs24\cf0\f0\cha
    rscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tre girant. }\par\pard\li1866
    \ri0\sl-253\slmult0 \*\tx2200\fs24\cf0\f0\charscalex100 {b)}\tab \fs24\cf0\f0\ch
    arscalex100 {prin cesiune de crean}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\
    u259X}\fs24\cf0\f0\charscalex100 { ordinar}\fs24\cf0\f0\charscalex100 {\uc1\u25
    9X}\fs24\cf0\f0\charscalex100 {. Dac}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 { tr}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 {g}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscale
    x100 {torul a nscris n biletului la ordin}\par\pard\li2200\ri0\sl-266\slmult0
    \fs24\cf0\f0\charscalex100 {men}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf
    0\f0\charscalex100 {iunea nu la ordin , titlul se transmite prin cesiune de crean
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    ordinar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\p
    ar\pard\li1866\ri0\sl-253\slmult0 \*\tx2200\fs24\cf0\f0\charscalex100 {c)}\tab \
    fs24\cf0\f0\charscalex100 {cesiunea de crean}\fs24\cf0\f0\charscalex100 {\uc1\u3
    55X\uc1\u259X}\fs24\cf0\f0\charscalex100 { este un act prin care creditorul numi
    t cedent transfer}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 { dreptul }\par\pard\li2200\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {s
    }\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {u de crean}\
    fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { une
    i alte persoane numit}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 { cesionar. Spre deosebire de gir, cesiunea }\par\pard\li2200\ri0\sl-253

    \slmult0 \fs24\cf0\f0\charscalex100 {de crean}\fs24\cf0\f0\charscalex100 {\uc1\u


    355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { devine valabil}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { numai ncepnd din momentul notific}\
    fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii lui debito
    rului }\par\pard\li2200\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {sau din m
    omentul n care debitorul l accept}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 { prin act autentic. }\par\pard\li1866\ri0\sl-253\slmult0 \fs2
    4\cf0\f0\charscalex100 {Avalul reprezint}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 { angajamentul necondi}\fs24\cf0\f0\charscalex100
    {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ionat prin care un ter}\fs24\cf0\f0\ch
    arscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 { sau un semnatar al }\par\
    pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {biletului la ordin,
    (avalistul) altul dect tr}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 {g}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscale
    x100 {torul sau acceptatul, devine garant pentru}\par\pard\li1186\ri0\sl-253
    \slmult0 \fs24\cf0\f0\charscalex100 {obliga}\fs24\cf0\f0\charscalex100 {\uc1\u35
    5X}\fs24\cf0\f0\charscalex100 {iile unuia ca obligat fa}\fs24\cf0\f0\charscalex1
    00 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { de un bilet la ordin (ava
    lizatul). }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {Bilet
    ul la ordin este scadent : la vedere, la un anumit timp de la vedere, la un anum
    it }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {timp de la
    data emiterii, la o dat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 { fix}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsca
    lex100 {. Scaden}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex
    100 {a este men}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex
    100 {ionat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    cu precizie n interiorul }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\chars
    calex100 {biletului la ordin. Plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\
    cf0\f0\charscalex100 { biletului la ordin se face n ziua scaden}\fs24\cf0\f0\char
    scalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ei sau la cel mult dou}\fs24\c
    f0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { zile de }\par\pard\
    li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {la aceasta n locul desemnat
    pe un bilet la ordin. }\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charsca
    lex100 {Posesorul biletului la ordin o poate prezenta la banc}\fs24\cf0\f0
    \charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { pentru scontare prin c
    are aceasta i }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {
    achit}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { contra
    valoarea, nainte de scaden}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24
    \cf0\f0\charscalex100 {, mai pu}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0
    \f0\charscalex100 {in taxa scontului. n urma scont}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 {rii banca }\par\pard\li1186\ri0\sl-253\slmu
    lt0 \fs24\cf0\f0\charscalex100 {respectiv}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 { devine beneficiarul cambiei. }\par\pard\li1866\ri0
    \sl-253\slmult0 \fs24\cf0\f0\charscalex100 {n caz de neplat}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la scaden}\fs24\cf0\f0\charscalex
    100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { de c}\fs24\cf0\f0\charsca
    lex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {tre tras, posesorul unui bilet la
    ordin trebuie s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { fac}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\par\pard\li1186\ri0\sl-266\slmu
    lt0 \fs24\cf0\f0\charscalex100 {un protest nainte de a putea face recurs mpotriva
    celorlal}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i se
    mnatari ai s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    i (care sunt solidari }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscal
    ex100 {obliga}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100
    {i fa}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex10
    0 { de el). Dac}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex10
    0 { un bilet la ordin este ncasat de c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100 {tre o banc}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24
    \cf0\f0\charscalex100 {, aceasta trebuie s}\fs24\cf0\f0\charscalex100 {\uc1\u259
    X}\par\pard\li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {fac}\fs24\cf0\

    f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { protestul n caz de nepl


    at}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pa
    rd\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {Unit}\fs24\cf0\f0\chars
    calex100 {\uc1\u259X\uc1\u355X}\fs24\cf0\f0\charscalex100 {ile teritoriale ale b
    }\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncilor comer
    ciale pot primi drept garan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\
    charscalex100 {ie pentru creditele pe }\par\pard\li1186\ri0\sl-266\slmult0 \fs24
    \cf0\f0\charscalex100 {care le acord}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 { clien}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\
    f0\charscalex100 {ilor lor, pe lng}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 { depozitul bancar, scrisoarea de garan}\fs24\cf0\f0\charsca
    lex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie bancar}\fs24\cf0\f0\charscalex
    100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, gajul cu }\par\pard\li1186\ri0\sl253\slmult0 \*\tx5826\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charsca
    lex100 {i f}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { deposedar
    e, ipoteca, cesiunea de crean}\fs24\cf0\f0\charscalex100 {\uc1\u355X\uc1\u25
    9X}\tab \fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i bi
    letul la ordin. Pentru a fi admis}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\f
    s24\cf0\f0\charscalex100 { n }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\c
    harscalex100 {garan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscal
    ex100 {ia creditelor, mprumutatul client al b}\fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 {ncii comerciale, trebuie s}\fs24\cf0\f0\charscal
    ex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { fie posesorul legal al }\par\pard
    \li1186\ri0\sl-253\slmult0 \*\tx2906\fs24\cf0\f0\charscalex100 {biletului la o
    rdin}\tab \fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i
    s}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { o gireze
    n favoarea b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    {ncii, utiliznd formula n garan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0
    \f0\charscalex100 {ie sau }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\cha
    rscalex100 { valoarea n gaj . }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\cha
    rscalex100 {Biletul la ordin girat n garan}\fs24\cf0\f0\charscalex100 {\uc1\u3
    55X}\fs24\cf0\f0\charscalex100 {ie de c}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100 {tre girant n favoarea b}\fs24\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {ncii d}\fs24\cf0\f0\charscalex100 {\u
    c1\u259X}\fs24\cf0\f0\charscalex100 { dreptul }\par\pard\li1186\ri0\sl-266\slmu
    lt0 \fs24\cf0\f0\charscalex100 {acesteia la desp}\fs24\cf0\f0\charscalex100 {\uc
    1\u259X}\fs24\cf0\f0\charscalex100 {gubire cu preferin}\fs24\cf0\f0\charscalex10
    0 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { din sum}\fs24\cf0\f0\charsc
    alex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { ncasat}\fs24\cf0\f0\charscalex10
    0 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { n baza titlului, fa}\fs24\cf0\f0\chars
    calex100 {\uc1\u355X\uc1\u259X}\fs24\cf0\f0\charscalex100 { de ceilal}\fs24\cf0\
    f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i creditori }\par\pard\
    li1186\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ai debitorului girant care
    a dat biletul la ordin n gaj. }\par\pard\li1866\ri0\sl-266\slmult0 \fs24\cf0\f0\
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    4\cf0\f0\charscalex100 {creditul acordat mprumutatului, nu este exigibil}\fs24\cf
    0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\par\pard\sect\sec
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft1866\shptop11000\shpright4840\shpbottom12493\shpfhdr0\sh
    pwr3\shpwrk0\shpfblwtxt1\shplid2806\shpz4\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2974}}
    {\sp{\sn geoBottom}{\sv 1493}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,1493);(2973,1493);(2973,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 0}}
    {\sp{\sn lineWidth}{\sv 8953}}
    {\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineDashing}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft4573\shptop8706\shpright7146\shpbottom10053\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2807\shpz6\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2573}}
    {\sp{\sn geoBottom}{\sv 1347}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,1346);(2573,1346);(2573,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457

    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 0}}
    {\sp{\sn lineWidth}{\sv 8953}}
    {\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineDashing}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft7133\shptop8840\shpright9853\shpbottom11000\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2808\shpz7\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2720}}
    {\sp{\sn geoBottom}{\sv 2160}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(13,0);(2640,2106);(2653,2120);(2640,2120);(2640,2
    120);(2640,2120);(0,13);(0,13);(0,0);(0,0);(13,0);(2666,2053);(2720,2173);(2586,
    2146);(13,0);(13,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft7133\shptop9240\shpright9306\shpbottom11000\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2809\shpz8\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2173}}
    {\sp{\sn geoBottom}{\sv 1760}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(13,0);(2106,1706);(2106,1706);(2106,1706);(2106,1
    720);(2093,1720);(0,13);(0,13);(0,0);(0,0);(13,0);(2120,1653);(2173,1760);(2053,
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft7146\shptop9786\shpright8640\shpbottom11013\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2810\shpz9\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}

    {\sp{\sn fFlipH}{\sv 0}}


    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 1494}}
    {\sp{\sn geoBottom}{\sv 1227}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(1480,1226);(66,66);(66,66);(66,53);(66,53);(80,53
    );(1493,1213);(1493,1213);(1493,1226);(1493,1226);(1480,1226);(53,120);(0,0);(12
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft4840\shptop11760\shpright6880\shpbottom11880\shpfhdr0\sh
    pwr3\shpwrk0\shpfblwtxt1\shplid2811\shpz10\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2040}}
    {\sp{\sn geoBottom}{\sv 120}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(13,53);(1946,53);(1946,53);(1946,53);(1946,66);(1
    946,66);(13,66);(0,66);(0,53);(0,53);(13,53);(1920,0);(2040,53);(1920,106);(13,5
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
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    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft3480\shptop9786\shpright4573\shpbottom11013\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2812\shpz11\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 1093}}
    {\sp{\sn geoBottom}{\sv 1227}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(0,1213);(1026,66);(1026,66);(1026,66);(1040,66);(
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}

    {\sp{\sn fillColor}{\sv 0}}


    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft2946\shptop9240\shpright4573\shpbottom11000\shpfhdr0\shp
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    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 1627}}
    {\sp{\sn geoBottom}{\sv 1760}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(1626,13);(66,1706);(66,1706);(66,1706);(53,1693);
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft2533\shptop8840\shpright4573\shpbottom11013\shpfhdr0\shp
    wr3\shpwrk0\shpfblwtxt1\shplid2814\shpz13\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 2040}}
    {\sp{\sn geoBottom}{\sv 2173}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;16;(0,2160);(1973,66);(1973,66);(1973,66);(1986,66);(
    1986,80);(13,2173);(13,2173);(0,2173);(0,2160);(0,2160);(1920,40);(2040,0);(2000
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    {\sp{\sn pSegmentInfo}{\sv 2;34;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45
    824;24577;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop440\shpright973\shpbottom453\shpfhdr0\shpwr3\s
    hpwrk0\shpfblwtxt1\shplid2815\shpz14\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}

    {\sp{\sn shapePath}{\sv 4}}


    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop440\shpright973\shpbottom453\shpfhdr0\shpwr3\s
    hpwrk0\shpfblwtxt1\shplid2816\shpz15\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop440\shpright11253\shpbottom453\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2817\shpz16\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
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    {\sp{\sn shapeType}{\sv 0}}
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    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}

    {\sp{\sn shapePath}{\sv 4}}


    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop440\shpright11253\shpbottom453\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2819\shpz18\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop453\shpright973\shpbottom15360\shpfhdr0\shpwr3
    \shpwrk0\shpfblwtxt1\shplid2820\shpz19\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop453\shpright11253\shpbottom15360\shpfhdr0\sh
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    {\sp{\sn shapeType}{\sv 0}}
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    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}

    {\sp{\sn shapePath}{\sv 4}}


    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2822\shpz21\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
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    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid2823\shpz22\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
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    }\tab \fs24\cf0\f0\charscalex100 {Fara girant. }\par\pard\li1626\ri0\sl-280\slm
    ult0 \*\tx1973\fs22\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charsca
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    lt0 \*\tx1973\fs22\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscal
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    }\par\pard\li1626\ri0\sl-280\slmult0 \*\tx1973\fs22\cf0\f2\charscalex100 {\uc1\
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    0 {- Perioada: intre 18 luni si 5 ani. }\par\pard\li1626\ri0\sl-253\slmult0 \fs
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    r\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {- Posibilitatea de
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    0 \fs22\cf0\f0\charscalex100\b {Caracteristici: }\b0 \par\pard\li1186\ri0\sl-213
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    186\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100\i {Perioada}\i0 \fs24\cf0\f0\c
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    pwr3\shpwrk0\shpfblwtxt1\shplid3071\shpz8\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 14907}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,14906);(13,14906);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid3072\shpz9\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}

    {\sp{\sn fBehindDocument}{\sv 1}}


    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright973\shpbottom15373\shpfhdr0\shpw
    r3\shpwrk0\shpfblwtxt1\shplid3073\shpz10\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft973\shptop15360\shpright11253\shpbottom15373\shpfhdr0\sh
    pwr3\shpwrk0\shpfblwtxt1\shplid3074\shpz11\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 10280}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(10266,13);(10266,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
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    {\sp{\sn shapeType}{\sv 0}}
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    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
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    {\sp{\sn fFillOK}{\sv 1}}
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    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}

    {\sp{\sn fBehindDocument}{\sv 1}}


    {\sp{\sn fLayoutInCell}{\sv 1}}}}
    {\shp{\*\shpinst\shpleft11253\shptop15360\shpright11253\shpbottom15373\shpfhdr0\
    shpwr3\shpwrk0\shpfblwtxt1\shplid3076\shpz13\shpbxpage\shpbypage
    {\sp{\sn shapeType}{\sv 0}}
    {\sp{\sn fFlipH}{\sv 0}}
    {\sp{\sn fFlipV}{\sv 0}}
    {\sp{\sn rotation}{\sv 0}}
    {\sp{\sn geoRight}{\sv 0}}
    {\sp{\sn geoBottom}{\sv 13}}
    {\sp{\sn shapePath}{\sv 4}}
    {\sp{\sn pVerticies}{\sv 8;5;(0,0);(0,13);(13,13);(13,0);(0,0);}}
    {\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;2457
    7;32768}}
    {\sp{\sn fFillOK}{\sv 1}}
    {\sp{\sn fFilled}{\sv 1}}
    {\sp{\sn fillColor}{\sv 0}}
    {\sp{\sn fLine}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
    {\sp{\sn lineType}{\sv 0}}
    {\sp{\sn fArrowheadsOK}{\sv 0}}
    {\sp{\sn fBehindDocument}{\sv 1}}
    {\sp{\sn fLayoutInCell}{\sv 1}}}}\pgwsxn11400\pghsxn15640\marglsxn666\margrsxn13
    3\margtsxn653\margbsxn106\pard\li5000\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex
    100 {- 73 - }\par\pard\li1520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1520\ri0\s
    l-466\slmult0 \*\tx1866\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f
    0\charscalex100 {Rambursare lunar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 { minim}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\
    charscalex100 {: 5% din valoarea creditului utilizat }\par\pard\li1520\ri0\sl-2
    66\slmult0 \fs20\cf0\f2\charscalex100 {\uc1\u61623X}{\super \fs24\cf0\f0\charsca
    lex100 {Pn}}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { l
    a 4 carduri ata}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex10
    0 {ate contului de credit, n afar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf
    0\f0\charscalex100 { de cardul principal }\par\pard\li1520\ri0\sl-266\slmult0 \
    *\tx1866\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100
    {Limita lunar}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { de cheltuial}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex10
    0 {: 100% din limita acordat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0
    \charscalex100 { de banc}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\cha
    rscalex100 { pentru pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X\uc1\u355X}\fs24\cf
    0\f0\charscalex100 {i la }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\chars
    calex100 {comercian}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscal
    ex100 {i, 40% pentru retrageri de numerar }\par\pard\li1520\ri0\sl-213\slmult0
    \fs18\cf0\par\pard\li1520\ri0\sl-293\slmult0 \fs24\cf0\f0\charscalex100 {Nu nece
    sit}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { giran}\f
    s24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i, asigurare sa
    u alte garan}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {
    ii }\par\pard\li1186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1186\ri0\sl-346\slm
    ult0 \fs28\cf0\f0\charscalex100\b {Cardul de credit Raiffeisen Bank Gold }\b0 \p
    ar\pard\li1186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1186\ri0\sl-213\slmult0 \
    fs18\cf0\par\pard\li1186\ri0\sl-360\slmult0 \fs24\cf0\f0\charscalex100 {Oricare
    ar fi lista ta de cump}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\chars
    calex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {t
    uri, prin cardul de cump}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\cha
    rscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    {turi Raiffeisen Bank ai la }\par\pard\li1186\ri0\sl-266\slmult0 \fs24\cf0\f0\ch
    arscalex100 {dispozi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charsca
    lex100 {ie cea mai avantajoas}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f
    0\charscalex100 { modalitate de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 {: }\par\pard\li1520\ri0\sl-213\slmult0 \fs18\cf0\par\pa
    rd\li1520\ri0\sl-320\slmult0 \*\tx1866\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\

    tab \fs22\cf0\f0\charscalex100\b {Aplici o singur}\b0 \fs24\cf0\f0\charscalex100


    {\uc1\u259X}\fs24\cf0\f0\charscalex100\b { dat}\b0 \fs24\cf0\f0\charscalex100 {
    \uc1\u259X}{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs22\cf0\f0\charscalex100\
    b {i ai acces la credit pe o perioad}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}
    \fs24\cf0\f0\charscalex100\b { nelimitat}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u2
    59X}\fs24\cf0\f0\charscalex100 {. Banca }\fs24\cf0\f0\charscalex100 {\uc1\u355X}\
    fs24\cf0\f0\charscalex100 {i acord}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\par\p
    ard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {o linie de credit care
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i st}\fs24\c
    f0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la dispozi}\fs24\cf
    0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie toat}\fs24\cf0\f0\
    charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { via}\fs24\cf0\f0\charscal
    ex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {a }\fs24\cf0\f0\charscalex100 {\uc
    1\u351X}\fs24\cf0\f0\charscalex100 {i la care ai acces, din }\fs24\cf0\f0\charsc
    alex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ar}\fs24\cf0\f0\charscalex100 {\
    uc1\u259X}\fs24\cf0\f0\charscalex100 { sau }\par\pard\li5253\ri0\sl-253\slmult0
    \fs24\cf0\f0\charscalex100 {str}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100 {in}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charsc
    alex100 {tate, pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 {tind la comercian}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\chars
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    lex100 {gnd}\par\pard\li5253\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {numer
    ar de la bancomate }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscal
    ex100 {i ghi}\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {
    ee bancare, 24 }\par\pard\li5253\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {
    ore din 24}{ }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100
    {i 7 zile din 7. Tu decizi cnd apelezi }\par\pard\li5253\ri0\sl-253\slmult0 \fs24
    \cf0\f0\charscalex100 {la credit, n func}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\
    fs24\cf0\f0\charscalex100 {ie de necesit}\fs24\cf0\f0\charscalex100 {\uc1\u259X\
    uc1\u355X}\fs24\cf0\f0\charscalex100 {ile de moment. }\par\pard\li4906\ri0\sl-28
    0\slmult0 \*\tx5253\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\ch
    arscalex100\b {Beneficiezi de 0% dobnd}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X
    }\fs24\cf0\f0\charscalex100\b { pn}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs
    24\cf0\f0\charscalex100\b { la 56 de zile. }\b0 \par\pard\li5253\ri0\sl-253\slmu
    lt0 \fs24\cf0\f0\charscalex100 {Pentru pl}\fs24\cf0\f0\charscalex100 {\uc1\u259X
    \uc1\u355X}\fs24\cf0\f0\charscalex100 {ile efectuate la comercian}\fs24\cf0\f0\c
    harscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i cu cardul }\par\pard\li52
    53\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {de cump}\fs24\cf0\f0\charscale
    x100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\
    u259X}\fs24\cf0\f0\charscalex100 {turi Raiffeisen Bank beneficiezi de o }\par\pa
    rd\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {perioada de gra}\fs24\c
    f0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie de pn}\fs24\cf0\f0
    \charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la 56 de zile n care nu p
    l}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {te}\fs24\cf
    0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {ti dobnda, n cazul }\pa
    r\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ramburs}\fs24\cf0\f
    0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {rii integrale, pn}\fs24\c
    f0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { la data scadent}\fs
    24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {, a sumelor util
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    {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100\b {Ai 0% comision pe tranzac}\b0 \
    fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100\b {ie la achita
    rea cump}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100\b
    {r}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs22\cf0\f0\charscalex100\b {tur
    ilor cu ajutorul cardului. }\b0 \par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0
    \charscalex100 {D}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex
    100 {c}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { pl}\f
    s24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {te}\fs24\cf0\f0
    \charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {ti cu cardul la comercian
    }\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i, banii vor

    trece din contul t}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscal


    ex100 {u n cel al }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100
    {comerciantului f}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscale
    x100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { cost
    uri suplimentare pentru tine. }\par\pard\li1520\ri0\sl-266\slmult0 \*\tx1866\fs
    20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f0\charscalex100\b {Ramburs
    ezi sumele utilizate ntr-un mod flexibil.}\b0 \fs24\cf0\f0\charscalex100 { In fun
    c}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie de banii
    pe care i ai la }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100
    {dispozi}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {ie p
    o}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\f0\charscalex100 {i rambursa n
    fiecare lun}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {
    orice sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { nt
    re suma minim}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100
    { de plat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { (5
    % }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {din creditul
    utilizat) }\fs24\cf0\f0\charscalex100 {\uc1\u351X}\fs24\cf0\f0\charscalex100 {i n
    treaga sum}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 { u
    tilizat}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex100 {. }\
    par\pard\li1520\ri0\sl-266\slmult0 \*\tx1866\fs20\cf0\f2\charscalex100 {\uc1\u61
    623X}\tab \fs24\cf0\f0\charscalex100\b {Ai reduceri garantate}\b0 \fs24\cf0\f0\c
    harscalex100 { sub form}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\char
    scalex100 { de Puncte de Colec}\fs24\cf0\f0\charscalex100 {\uc1\u355X}\fs24\cf0\
    f0\charscalex100 {ie la fiecare cump}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs2
    4\cf0\f0\charscalex100 {r}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\ch
    arscalex100 {tur}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\charscalex1
    00 { pe care }\par\pard\li1866\ri0\sl-253\slmult0 \fs24\cf0\f0\charscalex100 {ef
    ectuezi cu cardul la partenerii b}\fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\c
    f0\f0\charscalex100 {ncii}\fs24\cf0\f0\charscalex100\b {.}\b0 \par\pard\li1520\r
    i0\sl-280\slmult0 \*\tx1866\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\c
    f0\f0\charscalex100\b {Cnd c}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0
    \f0\charscalex100\b {l}\b0 \fs24\cf0\f0\charscalex100 {\uc1\u259X}\fs24\cf0\f0\c
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