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Loans | 12 Months Ended
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Dec. 31, 2016
Loans [Abstract] |
Loans | (5.) LOANS The Company's loan portfolio consisted of the following at December 31 (in thousands):
|  | Principal |  | Net Deferred |  |  |  |
|  | Amount |  | Loan (Fees) |  |  |  |
|  | Outstanding |  | Costs |  |  | Loans, Net |
2016 |  |  |  |  |  |  |  |
Commercial business | $ | 349,079 | $ | 468 |  | $ | 349,547 |
Commercial mortgage |  | 671,552 |  | (1,494 | ) |  | 670,058 |
Residential real estate loans |  | 421,476 |  | 6,461 |  |  | 427,937 |
Residential real estate lines |  | 119,745 |  | 2,810 |  |  | 122,555 |
Consumer indirect |  | 725,754 |  | 26,667 |  |  | 752,421 |
Other consumer |  | 17,465 |  | 178 |  |  | 17,643 |
Total | $ | 2,305,071 | $ | 35,090 |  |  | 2,340,161 |
Allowance for loan losses |  |  |  |  |  |  | (30,934 | )
Total loans, net |  |  |  |  |  | $ | 2,309,227 |
2015 |  |  |  |  |  |  |  |
Commercial business | $ | 313,475 | $ | 283 |  | $ | 313,758 |
Commercial mortgage |  | 567,481 |  | (1,380 | ) |  | 566,101 |
Residential real estate loans |  | 376,023 |  | 5,051 |  |  | 381,074 |
Residential real estate lines |  | 124,766 |  | 2,581 |  |  | 127,347 |
Consumer indirect |  | 652,494 |  | 24,446 |  |  | 676,940 |
Other consumer |  | 18,361 |  | 181 |  |  | 18,542 |
Total | $ | 2,052,600 | $ | 31,162 |  |  | 2,083,762 |
Allowance for loan losses |  |  |  |  |  |  | (27,085 | )
Total loans, net |  |  |  |  |  | $ | 2,056,677 |
The Company's significant concentrations of credit risk in the loan portfolio relate to a geographic concentration in the communities that the Company serves. Certain executive officers, directors and their business interests are customers of the Company. Transactions with these parties are based on the same terms as similar transactions with unrelated third parties and do not carry more than normal credit risk. Borrowings by these related parties amounted to $3.5 million at December 31, 2016 and 2015. During 2016, new borrowings amounted to $1.7 million (including borrowings of executive officers and directors that were outstanding at the time of their appointment), and repayments and other reductions were $1.7 million. Past Due Loans Aging The Company's recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands):
|  |  |  |  |  | Greater |  |  |  |  |  |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Than 90 |  | Total Past |  |  |  |  |  |
|  | Past Due |  | Past Due |  | Days |  | Due |  | Nonaccrual |  | Current |  | Total Loans
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,337 | $ | - | $ | - | $ | 1,337 | $ | 2,151 | $ | 345,591 | $ | 349,079
Commercial mortgage |  | 48 |  | - |  | - |  | 48 |  | 1,025 |  | 670,479 |  | 671,552
Residential real estate loans |  | 1,073 |  | 253 |  | - |  | 1,326 |  | 1,236 |  | 418,914 |  | 421,476
Residential real estate lines |  | 216 |  | - |  | - |  | 216 |  | 372 |  | 119,157 |  | 119,745
Consumer indirect |  | 2,320 |  | 488 |  | - |  | 2,808 |  | 1,526 |  | 721,420 |  | 725,754
Other consumer |  | 134 |  | 15 |  | 9 |  | 158 |  | 7 |  | 17,300 |  | 17,465
Total loans, gross | $ | 5,128 | $ | 756 | $ | 9 | $ | 5,893 | $ | 6,317 | $ | 2,292,861 | $ | 2,305,071
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 321 | $ | 612 | $ | - | $ | 933 | $ | 3,922 | $ | 308,620 | $ | 313,475
Commercial mortgage |  | 68 |  | 146 |  | - |  | 214 |  | 947 |  | 566,320 |  | 567,481
Residential real estate loans |  | 723 |  | 395 |  | - |  | 1,118 |  | 1,848 |  | 373,057 |  | 376,023
Residential real estate lines |  | 199 |  | 34 |  | - |  | 233 |  | 235 |  | 124,298 |  | 124,766
Consumer indirect |  | 1,975 |  | 286 |  | - |  | 2,261 |  | 1,467 |  | 648,766 |  | 652,494
Other consumer |  | 98 |  | 13 |  | 8 |  | 119 |  | 13 |  | 18,229 |  | 18,361
Total loans, gross | $ | 3,384 | $ | 1,486 | $ | 8 | $ | 4,878 | $ | 8,432 | $ | 2,039,290 | $ | 2,052,600
There were no loans past due greater than 90 days and still accruing interest as of December 31, 2016 and 2015. There were $9 thousand and $8 thousand in consumer overdrafts which were past due greater than 90 days as of December 31, 2016 and 2015, respectively. Consumer overdrafts are overdrawn deposit accounts which have been reclassified as loans but by their terms do not accrue interest. Interest income on nonaccrual loans, if recognized, is recorded using the cash basis method of accounting. There was no interest income recognized on nonaccrual loans during the years ended December 31, 2016, 2015 and 2014. For the years ended December 31, 2016, 2015 and 2014, estimated interest income of $234 thousand, $432 thousand, and $527 thousand, respectively, would have been recorded if all such loans had been accruing interest according to their original contractual terms. Troubled Debt Restructurings A modification of a loan constitutes a troubled debt restructuring ("TDR") when a borrower is experiencing financial difficulty and the modification constitutes a concession. Commercial loans modified in a TDR may involve temporary interest-only payments, term extensions, reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, collateral concessions, forgiveness of principal, forbearance agreements, or substituting or adding a new borrower or guarantor. The following presents, by loan class, information related to loans modified in a TDR during the years ended December 31 (in thousands).
|  |  | Pre- |  | Post-
|  |  | Modification |  | Modification
|  |  | Outstanding |  | Outstanding
| Number of |  | Recorded |  | Recorded
| Contracts |  | Investment |  | Investment
2016 |  |  |  |  |
Commercial business | 3 | $ | 526 | $ | 526
Commercial mortgage | 1 |  | 550 |  | 550
Total | 4 | $ | 1,076 | $ | 1,076
2015 |  |  |  |  |
Commercial business | 2 | $ | 1,342 | $ | 1,342
Commercial mortgage | 1 |  | 682 |  | 330
Total | 3 | $ | 2,024 | $ | 1,672
The loans identified as TDRs by the Company during the years ended December 31, 2016 and 2015 were previously reported as impaired loans prior to restructuring. The modifications during the year ended December 31, 2016 primarily related to collateral concessions and forbearance agreements. For the year ended December 31, 2015, the restructured loan modifications related to extending amortization periods, forbearance agreements, requesting additional collateral and, in one instance, forgiveness of principal. All loans restructured during the years ended December 31, 2016 and 2015 were on nonaccrual status at the end of those respective years. Nonaccrual loans that are restructured remain on nonaccrual status, but may move to accrual status after they have performed according to the restructured terms for a period of time. The TDR classification did not have a material impact on the Company's determination of the allowance for loan losses because the modified loans were either classified as substandard, with an increased risk allowance allocation, or impaired and evaluated for a specific reserve both before and after restructuring. There were no loans modified as a TDR during the year ended December 31, 2016 that defaulted during the year ended December 31, 2016. There were two commercial business loans with an aggregate pre-default balance of $1.3 million that went into default and were restructured during the year ended December 31, 2015. For purposes of this disclosure, a loan modified as a TDR is considered to have defaulted when the borrower becomes 90 days past due. Impaired Loans Management has determined that specific commercial loans on nonaccrual status and all loans that have had their terms restructured in a troubled debt restructuring are impaired loans. The following table presents data on impaired loans at December 31 (in thousands):
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment(1) |  | Balance(1) |  | Allowance |  | Investment |  | Recognized
2016 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 645 | $ | 1,044 | $ | - | $ | 1,032 | $ | -
Commercial mortgage |  | 673 |  | 882 |  | - |  | 725 |  | -
|  | 1,318 |  | 1,926 |  | - |  | 1,757 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,506 |  | 1,506 |  | 694 |  | 1,141 |  | -
Commercial mortgage |  | 352 |  | 352 |  | 124 |  | 486 |  | -
|  | 1,858 |  | 1,858 |  | 818 |  | 1,627 |  | -
| $ | 3,176 | $ | 3,784 | $ | 818 | $ | 3,384 | $ | -
2015 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,441 | $ | 1,810 | $ | - | $ | 1,352 | $ | -
Commercial mortgage |  | 937 |  | 1,285 |  | - |  | 1,013 |  | -
|  | 2,378 |  | 3,095 |  | - |  | 2,365 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 2,481 |  | 2,481 |  | 996 |  | 1,946 |  | -
Commercial mortgage |  | 10 |  | 10 |  | 10 |  | 449 |  | -
|  | 2,491 |  | 2,491 |  | 1,006 |  | 2,395 |  | -
| $ | 4,869 | $ | 5,586 | $ | 1,006 | $ | 4,760 | $ | -
(1) Difference between recorded investment and unpaid principal balance represents partial charge-offs. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors such as the fair value of collateral. The Company analyzes commercial business and commercial mortgage loans individually by classifying the loans as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company's credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the process described above are considered "uncriticized" or pass-rated loans and are included in groups of homogeneous loans with similar risk and loss characteristics. The following table sets forth the Company's commercial loan portfolio, categorized by internally assigned asset classification, as of December 31 (in thousands):
|  | Commercial |  | Commercial
|  | Business |  | Mortgage
2016 |  |  |  |
Uncriticized | $ | 326,254 | $ | 652,550
Special mention |  | 10,377 |  | 12,690
Substandard |  | 12,448 |  | 6,312
Doubtful |  | - |  | -
Total | $ | 349,079 | $ | 671,552
2015 |  |  |  |
Uncriticized | $ | 298,413 | $ | 551,603
Special mention |  | 4,916 |  | 9,015
Substandard |  | 10,146 |  | 6,863
Doubtful |  | - |  | -
Total | $ | 313,475 | $ | 567,481
The Company utilizes payment status as a means of identifying and reporting problem and potential problem retail loans. The Company considers nonaccrual loans and loans past due greater than 90 days and still accruing interest to be non-performing. The following table sets forth the Company's retail loan portfolio, categorized by payment status, as of December 31 (in thousands):
|  | Residential |  | Residential |  |  |  |
|  | Real Estate |  | Real Estate |  | Consumer |  | Other
|  | Loans |  | Lines |  | Indirect |  | Consumer
2016 |  |  |  |  |  |  |  |
Performing | $ | 420,240 | $ | 119,373 | $ | 724,228 | $ | 17,449
Non-performing |  | 1,236 |  | 372 |  | 1,526 |  | 16
Total | $ | 421,476 | $ | 119,745 | $ | 725,754 | $ | 17,465
2015 |  |  |  |  |  |  |  |
Performing | $ | 374,175 | $ | 124,531 | $ | 651,027 | $ | 18,340
Non-performing |  | 1,848 |  | 235 |  | 1,467 |  | 21
Total | $ | 376,023 | $ | 124,766 | $ | 652,494 | $ | 18,361
Allowance for Loan Losses The following tables set forth the changes in the allowance for loan losses for the years ended December 31 (in thousands):
|  |  |  |  |  |  |  | Residential |  |  | Residential |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Consumer |  |  | Other |  |  |  |
|  | Business |  |  | Mortgage |  |  | Loans |  |  | Lines |  |  | Indirect |  |  | Consumer |  |  | Total |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,540 |  | $ | 9,027 |  | $ | 1,347 |  | $ | 345 |  | $ | 10,458 |  | $ | 368 |  | $ | 27,085 |
Charge-offs |  | (943 | ) |  | (385 | ) |  | (289 | ) |  | (104 | ) |  | (8,748 | ) |  | (607 | ) |  | (11,076 | )
Recoveries |  | 447 |  |  | 45 |  |  | 174 |  |  | 15 |  |  | 4,259 |  |  | 347 |  |  | 5,287 |
Provision |  | 2,181 |  |  | 1,628 |  |  | 246 |  |  | 47 |  |  | 5,342 |  |  | 194 |  |  | 9,638 |
Ending balance | $ | 7,225 |  | $ | 10,315 |  | $ | 1,478 |  | $ | 303 |  | $ | 11,311 |  | $ | 302 |  | $ | 30,934 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 663 |  | $ | 105 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 768 |
Collectively | $ | 6,562 |  | $ | 10,210 |  | $ | 1,478 |  | $ | 303 |  | $ | 11,311 |  | $ | 302 |  | $ | 30,166 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 349,079 |  | $ | 671,552 |  | $ | 421,476 |  | $ | 119,745 |  | $ | 725,754 |  | $ | 17,465 |  | $ | 2,305,071 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 2,052 |  | $ | 935 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,987 |
Collectively | $ | 347,027 |  | $ | 670,617 |  | $ | 421,476 |  | $ | 119,745 |  | $ | 725,754 |  | $ | 17,465 |  | $ | 2,302,084 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,621 |  | $ | 8,122 |  | $ | 1,620 |  | $ | 435 |  | $ | 11,383 |  | $ | 456 |  | $ | 27,637 |
Charge-offs |  | (1,433 | ) |  | (895 | ) |  | (397 | ) |  | (199 | ) |  | (9,156 | ) |  | (878 | ) |  | (12,958 | )
Recoveries |  | 212 |  |  | 146 |  |  | 114 |  |  | 31 |  |  | 4,200 |  |  | 322 |  |  | 5,025 |
Provision |  | 1,140 |  |  | 1,654 |  |  | 10 |  |  | 78 |  |  | 4,031 |  |  | 468 |  |  | 7,381 |
Ending balance | $ | 5,540 |  | $ | 9,027 |  | $ | 1,347 |  | $ | 345 |  | $ | 10,458 |  | $ | 368 |  | $ | 27,085 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 996 |  | $ | 10 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,006 |
Collectively | $ | 4,544 |  | $ | 9,017 |  | $ | 1,347 |  | $ | 345 |  | $ | 10,458 |  | $ | 368 |  | $ | 26,079 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 313,475 |  | $ | 567,481 |  | $ | 376,023 |  | $ | 124,766 |  | $ | 652,494 |  | $ | 18,361 |  | $ | 2,052,600 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,922 |  | $ | 947 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,869 |
Collectively | $ | 309,553 |  | $ | 566,534 |  | $ | 376,023 |  | $ | 124,766 |  | $ | 652,494 |  | $ | 18,361 |  | $ | 2,047,731 |
|  | Commercial |  |  | Commercial |  |  | Residential |  |  | Home |  |  | Consumer |  |  | Other |  |  |  |
|  | Business |  |  | Mortgage |  |  | Mortgage |  |  | Equity |  |  | Indirect |  |  | Consumer |  |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,273 |  | $ | 7,743 |  | $ | 1,607 |  | $ | 436 |  | $ | 12,230 |  | $ | 447 |  | $ | 26,736 |
Charge-offs |  | (204 | ) |  | (304 | ) |  | (382 | ) |  | (148 | ) |  | (10,004 | ) |  | (972 | ) |  | (12,014 | )
Recoveries |  | 201 |  |  | 143 |  |  | 76 |  |  | 19 |  |  | 4,321 |  |  | 366 |  |  | 5,126 |
Provision |  | 1,351 |  |  | 540 |  |  | 319 |  |  | 128 |  |  | 4,836 |  |  | 615 |  |  | 7,789 |
Ending balance | $ | 5,621 |  | $ | 8,122 |  | $ | 1,620 |  | $ | 435 |  | $ | 11,383 |  | $ | 456 |  | $ | 27,637 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 1,556 |  | $ | 911 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,467 |
Collectively | $ | 4,065 |  | $ | 7,211 |  | $ | 1,620 |  | $ | 435 |  | $ | 11,383 |  | $ | 456 |  | $ | 25,170 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 267,377 |  | $ | 476,407 |  | $ | 352,782 |  | $ | 127,233 |  | $ | 636,357 |  | $ | 20,915 |  | $ | 1,881,071 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 4,288 |  | $ | 3,020 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 7,308 |
Collectively | $ | 263,089 |  | $ | 473,387 |  | $ | 352,782 |  | $ | 127,233 |  | $ | 636,357 |  | $ | 20,915 |  | $ | 1,873,763 |
Risk Characteristics Commercial business loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries. These loans are of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business. Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value. The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower's operations or on the value of underlying collateral, if any. Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, potentially resulting in higher potential losses on an individual customer basis. Loan repayment is often dependent on the successful operation and management of the properties, as well as on the collateral securing the loan. Economic events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company's commercial real estate loans and on the value of such properties. Residential real estate loans (comprised of conventional mortgages and home equity loans) and residential real estate lines (comprised of home equity lines) are generally made on the basis of the borrower's ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable. Credit risk for these types of loans is generally influenced by general economic conditions, the characteristics of individual borrowers, and the nature of the loan collateral. Consumer indirect and other consumer loans may entail greater credit risk than residential mortgage loans and home equities, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance. In addition, consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5066-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5162-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5074-111524 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 + Details
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