-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, WuzTKQAUwn/Zq5TQHXKyRs3Ejv2ZKnuPGPGl9lv1ZmST2wVroKykSJ0BxtD9nCay Ag+7llheFVHNHXk6tM6ULw== 0001193125-06-059201.txt : 20060321 0001193125-06-059201.hdr.sgml : 20060321 20060320180533 ACCESSION NUMBER: 0001193125-06-059201 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20060315 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060321 DATE AS OF CHANGE: 20060320 FILER: COMPANY DATA: COMPANY CONFORMED NAME: UPFC Auto Receivables Trust 2005-A CENTRAL INDEX KEY: 0001323730 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-119047-09 FILM NUMBER: 06699661 BUSINESS ADDRESS: STREET 1: 6525 MORRISON BLVD STREET 2: SUITE 318 CITY: CHARLOTTE STATE: NC ZIP: 28211 BUSINESS PHONE: 7043650569 MAIL ADDRESS: STREET 1: 6525 MORRISON BLVD STREET 2: SUITE 318 CITY: CHARLOTTE STATE: NC ZIP: 28211 8-K 1 d8k.htm FORM 8-K Form 8-K
Table of Contents

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

 

PURSUANT TO SECTION 13 OR 15(d) of the

SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date earliest event reported): March 15, 2006

 

 

UPFC Auto Receivables Trust 2005-A

(Exact name of registrant as specified in charter)

 

 

Delaware   333-119047-09   201402255

(State or other jurisdiction

of incorporation)

   (Commission file number)  

(IRS employer

identification no.)

 

c/o United Auto Credit Corporation (as Servicer)

3990 Westerly Place, Suite 200

Newport Beach, California

   92660
(Address of principal executive offices)   (Zip code)

 

Registrant’s telephone number, including area code: (949) 224-1244

 

This filing relates to Registration Statement No. 333-119047-09

 

 

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (I7 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Table of Contents

TABLE OF CONTENTS

 

ITEM 8.01. OTHER EVENTS

ITEM 9.01. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

SIGNATURES

INDEX TO EXHIBITS

Table of Contents

ITEM 8.01. OTHER EVENTS

 

The Commission declared effective a Registration Statement on Form S-3 (File No. 333-119047) under the Securities Act of 1933 as amended (the “Securities Act’’) on September 23, 2004, providing for the issuance by Ace Securities Corp. (“Originator”) of several series of asset-backed securities through a series of trusts to be originated by the Originator. The UPFC Auto Receivables Trust 2005-A (the “Trust”) is one of the trusts to be so originated and the Trust issued the following securities, consisting of Automobile Receivables Backed Notes in three classes, pursuant to a prospectus dated as of April 4, 2005 consisting of a prospectus supplement and base prospectus (the “Prospectus”):

 

$33,000,000 3.122%   Class A-1 Notes
$80,000,000 3.85%   Class A-2 Notes
$82,000,000 4.34%   Class A-3 Notes

 

The Class A-1 Notes, Class A-2 Notes, and Class A-3 Notes (the “Notes”) were issued by the Trust on April 14, 2005. The Notes are secured by the assets of the Trust. The Notes were issued in fully-registered form. As more fully described in the Prospectus, the assets of the Trust include (i) a pool of “sub-prime” retail installment contracts secured by liens on new and pre-owned automobiles and light trucks (“Receivables”) and (ii) certain accounts maintained by the Trustee on behalf of the Trust, including all investments held thereby and all income from the investment of funds therein and all proceeds therefrom. The Trust did not issue any certificates representing ownership interests in the assets of the Trust pursuant to the Prospectus, but did issue certificates to UPFC Auto Receivables Corp. The certificates issued to UPFC Auto Receivables Corp. are not registered pursuant to the Registration Statement, as amended.

 

Pursuant to the Sale and Servicing Agreement (“Agreement”) entered into by and among the Trust, United Auto Credit Corporation (the “Servicer”), Deutsche Bank Trust Company Americas (“Trust Collateral Agent”), CenterOne Financial Services LLC and the Originator of the Trust, the Trust Collateral Agent is required to deliver to each Noteholder with respect to each monthly distribution to holders of the Notes a Servicer’s certificate regarding the assets of the Trust and the proceeds received by it therefrom as to the monthly reporting period preceding each Distribution Date (the “Servicer’s Certificate”). A copy of the Servicer’s Certificate with respect to the March 15, 2006 Distribution Date is filed herewith as Exhibit 20.1 and is incorporated herein by this reference. Pursuant to the Agreement, proceeds of the Receivables and other funds received in the amount of $8,670,450.37 were invested by the Trust Collateral Agent during the Collection Period with respect to the current Distribution Date, $427,410.12 and $5,795,887.39 were distributed to the holders of the Notes as payments of interests and principal on the Notes, respectively, and the balance was distributed in accordance with the Agreement on the current Distribution Date.

 

No matters occurred within the period as to which this Current Report on Form 8-K relates that would be reportable under Items 1 through 5 of Part II of Form 10-Q.

 

ITEM 9.01. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

 

(c) Exhibits

 

The exhibits listed on the Exhibit Index on page 5 of this Form 8-K are filed herewith.

 

Page 3

Table of Contents

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

UPFC Auto Receivables Trust 2005-A

By:

  

United Auto Credit Corporation

   

as Servicer

 

Date: March 20, 2006

 

/s/ Garland Koch

Garland Koch

Chief Financial Officer

 

Page 4

Table of Contents

INDEX TO EXHIBITS

 

Exhibit No.
  

Description

    Page
20.1   Servicer’s Certificate as to the March 15, 2006 Distribution    —

 

Page 5

EX-20.1 2 dex201.htm SERVICER'S CERTIFICATE AS TO THE MARCH 15, 2006 DISTRIBUTION Servicer's Certificate as to the March 15, 2006 Distribution

EXHIBIT 20.1

 

LOGO

 

UPFC Auto Receivables Trust 2005-A

Class A-1 3.122% Automobile Receivables Backed Notes

Class A-2 3.85% Automobile Receivables Backed Notes

Class A-3 4.34% Automobile Receivables Backed Notes

 

Servicer Certificate

March 15, 2006 Distribution Date

 

The Preliminary Servicer’s Certificate and Servicer’s Certificate have been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among UPFC Auto Receivables Trust 2005-A, as Issuer, United Auto Credit Corporation, as Servicer, ACE Securities Corp., as Seller, and Deutsche Bank Trust Company Americas, as Indenture Trustee, Trust Collateral Agent and Backup Servicer, dated as of March 31, 2005. Defined items have the meaning assigned to them in the Sale and Servicing Agreement or in other Transaction Documents.

 

Dates and Interest Calculations

     
Monthly Period Beginning    2/1/2006
Monthly Period Ending    2/28/2006
Previous Distribution Date/Close Date    2/15/2006
Distribution Date    3/15/2006
Actual Days of Interest for Period    28
30/360 Days of Interest for Period    30
Days in Collection Period    28
Months Seasoned    11

 

Original Pool Information

 

Units
    Cut-off Date
    Closing Date
    Pool Balance
24,331    3/31/2005    4/14/2005    $ 210,810,810.81

 

I. MONTHLY PERIOD RECEIVABLES PRINCIPAL BALANCE CALCULATION

 

(1)    Beginning of period Pool Balance

                     (1 )   $ 144,449,852.10  
                           

Monthly Principal Amounts

                                

(2)    Scheduled Principal Payments Received

             (2 )   $ 4,460,698.48          
                   
       

(3)    Partial and Full Prepayments Received

             (3 )   $ 1,051,288.82          
                   
       

(4)    Receivables becoming Defaulted Receivables during period

             (4 )   $ 1,306,703.74          
                   
       

(5)    Receivables becoming Repurchased Receivables during period

             (5 )   $ —            
                   
       

(6)    Other Receivables adjustments

             (6 )   $ —            
                   
       

(7)    Interest Payments Received

             (7 )   $ 2,546,597.15          
                   
       

Total Monthly Collections

                                

(8)    Total Monthly Principal Amounts

             (8 )   $ 6,818,691.04          
                   
       

(9)    End of period Pool Balance

                     (9 )   $ 137,631,161.06  
                           

(10)  Pool Factor (Line 9 / Original Pool Balance)

                     (10 )     65.2865764 %
                           
II. MONTHLY PERIOD NOTE BALANCE CALCULATION  
    Class A-1
     Class A-2
     Class A-3
     Total
  
Original Balance   $ 33,000,000.00     $ 80,000,000.00     $ 82,000,000.00     $ 195,000,000.00  
Beginning of period balance   $ —       $ 40,782,374.29     $ 82,000,000.00     $ 122,782,374.29  
Noteholders’ First Principal Distributable Amount   $ —       $ —       $ —       $ —    
Noteholders’ Second Principal Distributable Amount   $ —       $ 5,795,887.39     $ —       $ 5,795,887.39  
End of period balance   $ —       $ 34,986,486.90     $ 82,000,000.00     $ 116,986,486.90  
Note Pool Factor     0.0000000 %     43.7331086 %     100.0000000 %     59.9930702 %
III. CALCULATION OF NOTEHOLDERS’ FIRST PRINCIPAL DISTRIBUTABLE AMOUNT  

(11)  Outstanding principal balance of the notes

             (11 )   $ 122,782,374.29          
                   
       

(12)  Pool Balance

             (12 )   $ 137,631,161.06          
                   
       

(13)  Maximum of (0) or (Line 11 - Line 12)

             (13 )   $ —            
                   
       

(14)  Is Distribution Date a Final Scheduled Distribution Date?

             (14 )     No          
                   
       

(15)  If line 14 is “Yes”, amount of that Class of Notes minus Line 13

             (15 )   $ —            
                   
       

(16)  Targeted Noteholders’ First Distributable Amount (Line 13 + Line 15)

                     (16 )   $ —    
                           
IV. CALCULATION OF NOTEHOLDERS’ SECOND PRINCIPAL DISTRIBUTABLE AMOUNT  

(17)  Current Note Balance (after subtracting Noteholders’ First Principal Distributable Amount)

             (17 )   $ 122,782,374.29          
                   
       

(18)  Targeted Note Balance (85.0% x Line 9)

             (18 )   $ 116,986,486.90          
                   
       

(19)  Targeted Noteholders’ Second Distributable Amount (Line 17 - Line 18)

                     (19 )   $ 5,795,887.39  
                           

 

1 Of 4

V. RECONCILIATION OF COLLECTION ACCOUNT

 

Available Funds and Additional Funds Available

                            

Available Funds

                            

(20)  Collections on Receivables for the calendar month

           (20 )   $ 8,058,584.45        
                                                    
     

(21)  Net Liquidation Proceeds during the Period

           (21 )   $ 517,811.21        
                                                    
     

Recoveries on Previous Liquidated Receivables

                 $ 41,235.58        
                                                    
     

Late Charges, Non-Sufficient Funds and Other Fees

                 $ 14,288.28        
                                                    
     

(22)  Proceeds of any liquidation of the assets of the issuer (excluding Net Liquidation Proceeds)

           (22 )   $ —          
                                                    
     

(23)  Proceeds from purchase or sale of assets

           (23 )   $ —          
                                                    
     

(24)  Income on investments in spread account

           (24 )   $ 13,799.09        
                                                    
     

(25)  Income on investments in the collection account

           (25 )   $ 24,731.76        
                                                    
     

(26)  Excess amounts from the spread account

           (26 )   $ —          
                                                    
     

(27)  Total Available Funds

                   (27 )   $ 8,670,450.37
                                                            

Additional Funds Available

                            

(28)  Spread Account Claim Amount (Line 71)

           (28 )   $ —          
                                                    
     

(29)  Insurer Optional Deposit

           (29 )   $ —          
                                                    
     

(30)  Total Additional Funds Available

                   (30 )   $ —  
                                                            

(31)  Total Available Funds and Additional Funds Available

                   (31 )   $ 8,670,450.37
                                                            

Distributions

                           

(32)  Servicing fees, supplemental servicing fees and servicing transition fees

                   (32 )   $ 375,412.91
                                                            

(33)  Indenture Trustee, backup servicer, designated backup subservicer,owner trustee fees, custodian, trust collateral agent

                   (33 )   $ 2,407.50
                                                            

Noteholders’ Interest Distributable Amount

                            

Class  

    Beginning
Note
Balance
    Interest
Carryover
    Interest
Rate
     Days
    Days Basis
    Calculated
Interest
                 

(34)  Class A-1

    $ —      $ —      3.12200 %   28    Actual/360    $ —      (34 )   $ —          
                                                    
     

(35)  Class A-2

    $ 40,782,374.29    $ —      3.85000 %   30    30/360    $ 130,843.45    (35 )   $ 130,843.45        
                                                    
     

(36)  Class A-3

    $ 82,000,000.00    $ —      4.34000 %   30    30/360    $ 296,566.67    (36 )   $ 296,566.67        
                                                    
     

(37)  Total Noteholders’ Interest Distribution Amount

            (37 )   $ 427,410.12
                                                            

(38)  Available Funds Subtotal

    (38 )   $ 7,865,219.84        
                                                    
     

Noteholders’ First Principal Distributable Amount

                     

Class  

   

Noteholder’s First
Principal Distributable

Amount

                         Total Principal
                 

(39)  Class A-1

    $ —                             $ —      (39 )   $ —          
                                                    
     

(40)  Class A-2

    $ —                             $ —      (40 )   $ —          
                                                    
     

(41)  Class A-3

    $ —                             $ —      (41 )   $ —          
                                                    
     

(42)  Total Noteholders’ First Principal Distributable Amount

                   (42 )   $ —  
                                                            

(43)  Available Funds Subtotal

           (43 )   $ 7,865,219.84        
                                                    
     

(44)  Insurance Premium to Ambac

                   (44 )   $ 43,997.02
                                                            

(45)  Available Funds Subtotal

           (45 )   $ 7,821,222.83        
                                                    
     

(46)  To the Spread Account, the amount, if necessary, required to increase the amount therin to the Spread Account Initial Deposit

                   (46 )   $ —  
                                                            

(47)  Available Funds Subtotal

           (47 )   $ 7,821,222.83        
                                                    
     

Noteholders’ Second Principal Distributable Amount

                            

Class  

   

Noteholder’s Second
Principal Distributable

Amount

                         Total Principal
                 

(48)  Class A-1

    $ —                             $ —      (48 )   $ —          
                                                    
     

(49)  Class A-2

    $ 5,795,887.39                           $ 5,795,887.39    (49 )   $ 5,795,887.39        
                                                    
     

(50)  Class A-3

    $ —                             $ —      (50 )   $ —          
                                                    
     

(51)  Total Noteholders’ Second Principal Distributable Amount

                   (51 )   $ 5,795,887.39
                                                            

(52)  Available Funds Subtotal

           (52 )   $ 2,025,335.44        
                                                    
     

(53)  to Ambac, additional amounts payable

                   (53 )   $ —  
                                                            

(54)  Available Funds Subtotal

           (54 )   $ 2,025,335.44        
                                                    
     

(55)  To the Spread Account, an amount, if necessary, to increase the amount therein to the Requisite Amount

                   (55 )   $ —  
                                                            

(56)  Available Funds Subtotal

           (56 )   $ 2,025,335.44        
                                                    
     

(57)  Additional funds to the indenture trustee, owner trustee, trust collateral agent, backup servicer, designated backup servicer

                   (57 )   $ —  
                                                            

(58)  Available Funds Subtotal

           (58 )   $ 2,025,335.44        
                                                    
     

(59)  Additional Amounts distributed to the Class A-3 Notes pursuant to section 10.1 of the Sale and Servicing Agreement

                   (59 )   $ —  
                                                            

(60)  To the Spread Account, any remaining funds

                   (60 )   $ 2,025,335.44
                                                            

 

2 Of 4

VI. RECONCILIATION OF SPREAD ACCOUNT

                     

(61) Spread Account Initial Deposit

            (61 )   $ 4,216,216.22
                  

(62) Spread Account Requisite Amount

            (62 )   $ 4,216,216.22
                  

(63)  Beginning of Period Spread Account

            (63 )   $ 4,216,216.22
                  

Spread Account Claim Amount Calculation

                    

(64)  Servicing Fees

    (64 )   $ 375,412.91        
          
     

(65)  Trustee & Other Fees

    (65 )   $ 2,407.50        
          
     

(66)  Noteholders’ Interest Distributable Amount

    (66 )   $ 427,410.12        
          
     

(67)  Noteholders’ First Principal Distributable Amount

    (67 )   $ —          
          
     

(68)  Insurance Premium

    (68 )   $ 43,997.02        
          
     

(69)  Total Amount of Steps 1 through 5 in the Waterfall

    (69 )   $ 849,227.54        
          
     

(70)  Total Available Funds

    (70 )   $ 8,670,450.37        
          
     

(71)  Spread Account Claim Amount

    (71 )   $ —          
          
     

(72)  Spread Account Subtotal

    (72 )           $ 4,216,216.22
                  

(73)  Spread Account Deposit required to increase the amount therin to the Spread Account Initial Deposit (line 61)

    (73 )   $ —          
          
     

(74)  Actual Spread Account Deposit

    (74 )   $ —          
          
     

(75)  Spread Account Subtotal

    (75 )           $ 4,216,216.22
                  

(76)  Spread Account Deposit amount, if necessary, to increase the amount therein to the Requisite Amount (line 62)

    (76 )   $ —          
          
     

(77)  Actual Spread Account Deposit

    (77 )   $ —          
          
     

(78)  Spread Account Subtotal

    (78 )           $ 4,216,216.22
                  

(79)  Remaining Funds Deposited to Spread Account (Line 60)

    (79 )   $ 2,025,335.44        
          
     

(80)  Released to UPFC

    (80 )   $ 2,025,335.44        
          
     

(81)  End of Period Spread Account Balance

            (81 )   $ 4,216,216.22
                  

 

3 Of 4

VII. PERFORMANCE MEASURES AND TESTS

                               

Current Credit Enhancement

                              

(82)  Overcollateralization (Dollars)

                    (82 )   $ 20,644,674.16  

(82)  Overcollateralization (as a percentage of current Pool Balance)

                    (83 )     15.00 %

(84)  Spread Account (Dollars)

                    (84 )   $ 4,216,216.22  

(85)  Spread Account (as a percentage of Original Pool Balance)

                    (85 )     2.00 %

(86)  Spread Account (as a percentage of Current Pool Balance)

                    (86 )     3.06 %

Monthly Period and Cumulative Number of Receivables Calculations

                              
                 Cumulative
     Monthly
  

(87)  Original Number of Receivables

            (87 )     24,331          

(88)  Beginning of period number of Receivables

            (88 )     24,331       19,624  

(89)  Number of Subsequent Receivables Purchased

            (89 )     0       0  

(90)  Number of Receivables becoming Liquidated Receivables during period

            (90 )     1,666       181  

(91)  Number of Receivables becoming Purchased Receivables during period

            (91 )     0       0  

(92)  Number of Receivables paid off during period

            (92 )     3,574       352  
                  
 

(93)  End of period number of Receivables

            (93 )     19,091       19,091  
                  
 

Statistical Data (Current and Historical)

                              
           Original
     Prev. Month
     Current
  

(94)  Weighted Average APR of the Receivables

    (94 )     22.80 %     22.76 %     22.76 %

(95)  Weighted Average Remaining Term of the Receivables

    (95 )     48.55       39.81       38.98  

(96)  Weighted Average Original Term of Receivables

    (96 )     52.26       52.92       53.02  

(97)  Average Receivable Balance

    (97 )   $ 8,664     $ 7,361     $ 7,209  

(98)  Aggregate Realized Losses

    (98 )     N/A     $ 767,167     $ 788,893  

Delinquency Summary

                              

Receivables with Scheduled Payment delinquent

                               
           Units
     Dollars
     Percentage
  

(99)  31-60 days

    (99 )     106     $ 680,020.49       0.494 %

(100) 61-90 days

    (100 )     44     $ 309,172.25       0.225 %

(101) 90+ days

    (101 )     31     $ 152,333.62       0.111 %
          
 
 

(102) Total 30+ days

    (102 )     181     $ 1,141,526.36       0.829 %
          
 
 

Repossession Inventory

            98     $ 786,528.27       0.571 %
          
 
 

Performance Tests

                              

Delinquency Rate History for Previous three Collection Periods

                               

(103) Delinquency Ratio in Preceding Collection Period

            (103 )     0.34 %        
                  
       

(104) Delinquency Ratio in Second Preceding Collection Period

            (104 )     0.45 %        
                  
       

(105) Delinquency Ratio in Third Preceding Collection Period

            (105 )     0.41 %        
                  
       

(106) Arithmetic average of last three preceeding Delinquency Ratios

                    (106 )     0.40 %
                          

(107) Delinquency Rate Trigger Level for the Preceding Collection Period

                    (107 )     3.00 %
                          

(108) Preceding Collection Period Delinquency Rate Compliance

                    (108 )     PASS  
                          

Cumulative Net Loss Ratio

                               

(109) Cumulative Net Losses incurred prior to the Preceding Collection Period

            (109 )   $ 6,393,826.77          
                  
       

(110) Net Loss incurred in Preceding Collection Period (Defaults - Net Liquidation Proceeds)

            (110 )   $ 788,892.53          
                  
       

(111) Life to Date Cumulative Net Losses

            (111 )     7,182,719.30          
                  
       

(112) Original Pool Balance

            (112 )   $ 210,810,810.81          
                  
       

(113) Cumulative Net Loss Ratio (Line111 / Line 112)

                    (113 )     3.41 %
                          

(114) Cumulative Net Loss Rate Trigger Level for the Preceding Collection Period

                    (114 )     5.50 %
                          

(115) Preceding Collection Period Cumulative Net Loss Rate Compliance

                    (115 )     PASS  
                          

Average Monthly Extension Rate

                               

(116) Principal Balance of Receivables extended during preceding Collection Period

            (116 )     1.33 %        
                  
       

(117) Principal Balance of Receivables extended during the Second Preceding Collection Period

            (117 )     2.09 %        
                  
       

(118) Principal Balance of Receivables extended during the Third Preceding Collection Period

            (118 )     3.15 %        
                  
       

(119) Average Monthly Extension Rate (Line 116 + Line 117 + Line 118) / 3

                    (119 )     2.19 %
                          

(120) Average Monthly Extension Rate Compliance (Extension Rate Maximum = 2.5% (3.0% in December, January and February))

                    (120 )     PASS  
                          

 

By:    
Name:   Garland Koch

Title:

   Sr.Exc/CFO

Date:

  

03/15/06

 

4 Of 4

GRAPHIC 3 g46468image001.jpg GRAPHIC begin 644 g46468image001.jpg M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$" M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,# M`P,#`P,#`P,#_\``$0@`+0".`P$1``(1`0,1`?_$`*4```$#!0$!```````` M```````'"`D!`@0&"@,%`0`!!`,!`````````````````00%!P(#!@@0```& M`@$"!0(%`@4%``````$"`P0%!@<($0`2(3$3%`E1(D%QD147,A:!H<$C&&%" M4G(T$0`!`P(%`@,%!0<$`P`````!$0(#!`4`(3$2!D$382('47&!,A21H4(C M%?#!T>%2HC.Q`<^`\ MAM@8Z60-C!W^E?MKN[\Q;3N(:NQ"5]P5?=ASV!=ATKX^;8]R` MG&5O,L=4HNU2$,P,L%F)NS7F6K+1.K24^;)0>H77Q`T3WX=JD8I MBB)1`0Y'R'G@?#P'Z#U!1M:P%@<'$'H5QVSV;$'0A<7B(!YB`!]1$`#P#D>1 M'RX#K9C#QZ8.XO\`Y%\0Y`>X.!`?(?/R\.A0B]!@ZIUP0^H=+A%&*;K':Z%>U(!D/F+B2$'W*<@!F2 M!B.NUQ9;*!]4XH6C]OV^&.9S8;Y$V6RK^8M(M#MM3,?VN-A\=TMX1ZPG]C\R M!'.7U8C[M&-52KOZ4U!5645B.XJ"3=NB9^(N7"39+U/Q'TNDXX(&E\,OMK'#)-2#Y21[_@/?@H.:'60 M\O;0TZ4DD)AWB?1/8ZMS+HB0(E&W&)3W-Z<-FY#K`A$*6D[U-$A!,F@U133* M/!`ZEZ[C]=:+'8[@::`1OY`T@J,RL:`KH"@!5/'$8[D=!=VNHQ3O41N&3?!# M\/;A&8#9%AD''6$16N)ZI/MI!"FT/)S.83C)G%N>J,S9GI M<;0\PV636CSJ1X+N2*(%4ZWW?B-TM]3);Q2PFD>PN<`6EI8XJ?*%4MIV_:/(B4>`$!+R`^/X]56:U[XW/(1K<62SS)3G,G/$?M M7W2?6',&]=7D*M`Q6)=*X&O+.[TE+OEYRT6MY0YB_6Z(<1/M1C&4;78V.*4# M@N*PJ*=HD*'B/>U/#IJ%MHIW-5]Z:"P)KNH1V05[F MYQM#V&W/W+5W&SURK=/4<(-5&PF%41*'`<#U,7OTEN=$VIKZ9XDI:-YW?U.^ MD`=)M"#)IEVDKF047JQM/K%9[C40TU5$6OG?1L&0UK'3!BYZ'M=<*A4?DSPK MD-4&>.*/F2_2JN,K?F%"(@:K!MWHT"F98EL/O9QPK/6B%C6:4I/P;MVP*JN0 MSJ.0,H'!^$QB?_G%^MK*=M=+&SNU!I@7'5[0QR:',"1NBG/&^/U4L5P;.^@A M=)'3TC*@D#H\O'W!A*XUZ*^4S$D[5<-W!OA[8=G#[!S1XC"P2M4Q_$O,BF;P M4I87LE#)2.2FZ<9$1S&)4!9Q)'8]ASI]H"4W(.Z?TWNM8ZXMDJ(&-MXVR*Z4 M`%R[0L4;W*[:4R&07#.N]3[?`;=&*:8NKQW&;6Q$D,12.Z]C$&X*05!R&-KM M?R(4*GSZ52?8:V"E;:TQ`[SQ;*M5Z[1K/,T7%K2=?P)+%8U8_(2D0<1BR MK5M&N7R[AN03$*(@(=15N]-YQ;7EU;1L:)=@66K1[R%VM6%=W1,L_##^M]1Z M1MUCB;25I\FXI'2%`NJ]]4]N//97?BK8PTA8;C8F;15_A;DPH:^*8VTF>UB. ML;_(DVPA(9O.J+E2=01&@/E%7@J!RW(@<1`>.GG"O3F^WWU"FXQ=9>T8VN)0 MCR[0IZ>X#)<\.>;>HC>/\>;R&U)(V0@-\5/A[$]N$5UU^3)]:XC;23V%JV/* MG&:INJ4VFKWA"XR.6<:WM]].RB-*S%9+'6*_6VE+(ZR!#2 M5.4L(70]LK*$JH,$WIR-6>*2)C+'%J0@"8.1XZ84_IKR"YR4W'FW@?F;JQL9`S.8<2ON3/WC&_Y`^0'"5'@M MD9?U;-)+:W1>.%+("<(16.L=ER[`M9S'%+I:I'AG$W9["25CTQ;^FD*1GZ)A M$2")@91\&Y%654%+2.`DF+#KU<\58L57R).-KA#N67L M8^(0H(`0Z9CQL7` M;T+-679[F1T<#Y`2XG5I0[0AT.73/+ICJ*;U!M]QNK;+2.W2&*-R?[P#]^ON MP_XIB^D<>1Y`O/?]"]Y/\NJU90W!M"^F?*#,91M/L&X$_8W*N.(S)+&&BTI5Y.IJ,(Z1=)L$W M\=3X-TL07*)R`NZ;F#S`>O1'$>&14GIKZ+D5VI^-F.'C5N`8]KV,D+IBK1YWASO,\'(%-.F$JU9VJSDN?&MXI M>N>K%QKU[K-H=[E(4K3Y_C"#Q1A)O("O9'-IS4YF/[:MH6RHL7$D5J5J[14. MBF@L10ZO=TYYCQ7C5=6R<9IJ^LB;3SQOH@^MF<'5#@"NW<3F_P`J9DH=&C$9 MQ+GG(*B"6J=0-@VK^<8.L.Q="R_2E(H0:)Y`JPBHN!C$$3=HNN>< M:_2^206#C5555]/(Q@=*^ME86O:]\5EK[W#3T;X MI7)&RCB<)`%S![90$Y9D:KA]^H%1SGO1%_\`*K"6#]&M-L=-+6^0PK*S^NS' M-&:95Y4'*]8EH8'`N<1MD'5<=YQ9]ZYM$WD]G%-:7PO\`IVL[ M<;NX(D=W4VD#=W"#D/D]V)]\/M,O1.-:ZQSO:*==UYQ4ZA(*G M>/U&(P4$_E)F1;`$<9`ABJ.5#"8!-R`]4)R"LM44I^AI9&6Z61K2W%QZJ[=)&D(U1BH]%4[M1$_=)*G'N$?&(I?5>\QMI&/@>6' MZD3A2DGU;F.FW9'87%@VEBEGFVHI6S-F8^FEC;(Q](]I5=IHNYV/!P: M9G[E^=1N5!CZ.-/C/@<6TK.M,JF7;.B_R[K5CG6"!M)*]"%F,WNZQN_JE77FO@,].4HJR2IC:--TFP9G4 MIL:BKHB`8VVCTJM_'Z2H@HIV-IJRF9`[=YO*PN+0"Y4*N=F,\\\TQC9)^-N) MMI]9?V'(]>B*WJUA26PW4J7D/!5/R_3'C>:TX58NEJ7A[6_(5$NK;'"4/&3-=O M\9C**7B:W3YL)-9#T8DII`7+@O88ZQR]IRF#GJ#M_J%>([M=.3"*4(,.LX_'$?)9.2*S3J=XD;%6O0>-`I)2N5HUL MBU('O%`5.L!DTPZUV+G=PM:S&%TEX=YY7R_FJ'*2W:]0CBN[-#U&6'5Z]/K5 M='.#96QVLX3$Y9WKE=5^ZIL"@^:H/%1)ZR4BLJL<3``]=1C=%8(GQ35&ZV(][6/<7(YP3< MKES#?XY:X:[J_P#'WJ'D^+@J)%;KCN)3<3W^>R1D"J5FY5HDS/9)DJO6?4WD''(?U6U6YT%<_:S-WN=U'4S[H@#D'.8A0@:'-/VUPYRH?$]CZH6EXY MC\HV];&KO8BC]LX[<&W-]5NK0HW%Q3:!Y0A)'E'@O7QQ* MR4P^DH3@>\$RF[/L[N!4*'/'//'(?EX=5.UCAN_)D!+@[YW%2"#D=V7MRZ9: M8MS8=NWZAI:B*C-Q<'YTZGHY>!W4EO&JH M]TN+0YK)G(S^)I+D8@3< MKG9$@%?#'.L%9Q`XPEG"N$PAG%FWMN:*HOLE&S6RZ3S+-9&J.)E2ORUK5DL` MJRBU4;72Q/%)-D("X0G$FAU!(BND)O2M-!<*BHM]%%74[Z6GI9HXBUA`&]@` M"[LB0,G=`20'(1CSX.-ON%+;1RNEK1)]3=1"YK]VYKWN:%":L:'(07!V2)BV[I M<7R<)=P^X01!S+?WNY"`-S!GM*@'<2U3DGCAMF$MPH^OZ64K5:OZ2P5UQ;>9 M*PX3@:/:\RN9:R7&$/&M[G?;A+6"/QA%QK9K7I2QMU'#E4J8(E("@'*#81ZG M[]P>6LYF>07&X]JH8YKVMIE#&Y;6AS7)J`509DN(S.(N.K;QKBG_`*Q:J2&? MNM*R5`5WF\Q0M!S!(1<@@]F-6T7P7/Y8RI9M=\"2>VE1U1J=GK%6-MY2. MQ9'H'.D=RA76S;$<)-RDQ2[YF$N[B*,PCCIB*]/K'>Z.\B@I9)3;GN[CR2[:'.*%K? M!&^4:^&.O1K'I1,:RCV0'109)H-6B8G%PJ":12E+WJN![CF%,H]PB/(^/B(] M>/*BLJJBI;*\1_2NF8W3-2==$R\#CUDRE93Q@;GES&%Q`.H;J`O4Z8Y^L,8$ MS+;\I;R[MVJ$K[6*%$R]W5_P#)KM9Z:WVSB+8M]>VG83,V4M8"\#=N#T.D".+@J@AHS3RG-,],-2J./]VZ?#X_STZ: M;)V.PZD8[U]RC-XX?NLA.GF;;7L-DNWY1V$J1*L:44"RN<84:T1\,U2%,Z<> MJP]MV]Q!*'6553P:66JHVFG;'7&5D3T`[`C9M:20/Q.S"*0"?9CF8*7G\D@K MV-GVQ%IVG<=V:H0NF@.BXS;HUW\R7JLCB2LXOVC*Z3KF2-E\W7&&N;F@W]/, M.5).T7_$^$ZN[M\DQL,U5L40RK!>;C(/W"BBJ;=BDG]RH=:;73\+HKG)<+C4 M4';?`RGB8`]Q5B=R5P#=K=Y<6LK;>UNI["I$T[P_IRK_"4,E=(@N\VZ&K9!#`R-S,MSGG:IR*%JM.Y3U&1PG^/H M?,)7=?1W(Q_N'D&IRNMTOF:@XLH+'+3V2NVQV?LAW>UV>I24U"KM&%7NF%ZJ M[CH.&;3CV)BXML)EP()0[P6XFTSR$6.:W0CZC8YSQ\D<;5W)LS:\_P!*N)/3 M40]LEOT$CI;O2W60%A(#2,R35_4@(J2]W*#L]AG6D49RB8\<^39J\<```.5]CXZ; M[<.0V]]%)25-OC9"UJ-27:CW%CE#6@C.V_CE3'6QW*G MJWR32.^5S'.4`$.W$IDA`0C$B_RDKW_*NE,.OB&MY*GZC>Y4C*G4K42 M_GU_'4HWT M_P"1LQ+-JJ#GM+D0'KBSO4^:YUO%J*6U1U'<951"5H^8Q['[D0IJ!J1T MPS7.`M;=6[7DW5#37,.O\*WLV$-;;!LY0Z!8J-E&RZERED&P9:D<78IC86.N M<;'TYO'(M"3*\*E9I(T<>44>"8>\X(G&8XW5\1HHZ1_(>S/40NJ)9&L#24>TB-F9#2565%69+%#50TI0>[S>)(%CDV MM(W[=VO5>4AT[?L@RU\KV%M<,9_WJ^G(6P2-CET_/GBX2^67ULJF;PNTLTS,WQ[5 MJQ*YH@;LSPI5+XYL7]XR=.7B*$]@GB3:=_=VS"3,=4@`J0IJ^GOU`_E$-V$" M4#"X;`&;SY'!2WY%!*YE,O9BSJ6P7MG%*FUNG6Y/8U)%?L!$K#D4WZ`].N)= M%"@<3$X'SY$>.0,'W`!3?@8OB(\#^/`]5K*9=FV`I-T.+=H2,Z`@G).I'OR3%>\GXU!4TE M3<*&(]SL2#:`=SRX$:#,G/#!H_'5=K4CD2[0:[\5Y[03:''UAAIU%)K;8.S8 M[2QY&MJW=69?]QG9H2O/F#%4HAVN`:%41%1$Z9S=_2\FDKZ"T4S/,^*^QR': M,@U[FHU<<)R*ACAW&1`MEX)$%7=YX.US2 MQ/!W[L>)6J`E`H%.4`$W'!CE'DQ>P1Y*("`@4?`?KX].'.=/*V=V3F*GQUPD M-)34<#J2(>1^J8]!3#R$RH"//B"BHB7D1$>TP"(D$>?P'K#\K-"Y/CAQ`91' MYPQ?A@*@D4..P?!0RI?O4,)%#F.(>0AX#X=8!D0.XN?_`'8V M]V89%C2/A@(D!`,!>0[O$W^X<>XWA]QA$>3&'@.1'Q'K)8=%=_=A.Y)_0W[! MBWVY!-W`CV<]HB`>`#QX!X!UA]*U5WO7_X8 M!2$!'M,(=P#R/<8#CR;N_K_JX`?+Z!Y=;&LDC&UKE9XYX`Z#3&[C?U&Y'D>1XZR,XT1 M-V_<;P.(&,`J!P(`53@?O*`#P`#X`'1W*?VO_NQI[E5_0S[L6G034(8AP$2' M`H"7O/P`$$H@!?'DI>2AX!Y];&S'_J5/%5^_&;=A\T[1W/`+EBH-TN#%Y/VB M7CMY/V@'J$'RY\Q``#GSXZ5)-2<9=^(Y;2@\/ACV+^/_`+#T87&`\]GW)>Y[ M>[U/]OO[NP3^F;@#=@]X!V\_7K7+V=GY_P#CW#[>F,V]W=^3_D0_9UPQ7-/_ M`!%_E7(7]Z"X_EG_`(SY%_D,:@%C_?@PEQ7?W\)DM>'V!K!V>T_:!5$)CR]O M]G9UV-D_7-D7Z:!V^]'M4_\`8OE3(G5%3)/CBNN1CC6]WZR2)-A7(')/>!II MU^.'"X$_AW^*:/\`P<,,.,/V0O\`:7[&5Z"`,?7)[KW(21C2HRWO?_N]]P^] MUW>M]W/7-7'?Y^_\^XK[^O\`)/\`7'7V[Z?R=G3:$]R?;]OPRPNA.WM^WR_R M_P`/^G4;2;>V=FFX_NQ+R+N\VN+NG6->#HP8.C!@Z,&#HP8.C!@Z,&#HP8.C 7!@Z,&#I<_'!@Z3!BH>0_E_J'1@Q__]D_ ` end -----END PRIVACY-ENHANCED MESSAGE-----