???, ??????, ???, ??????, ??????, ??????, ??????, ??, ????? ? ?? ??? ??? ? ?? ????? ??? ?? ????? ???. ??????? ?? ??? ??? ??? ??? ??? ?? ?? ?????. ?? ??, ??? ???, ?? ?? ??? ?? ?? ??? ? ??? ????, ????? ??? ?????? ?? ??? ? ?? ??? ??? ????. two) the Account holder and or men and women affiliat