nwbi-20211025

0001471265-21-000139.txt : 20211025 0001471265-21-000139.hdr.sgml : 20211025 20211025090304 ACCESSION NUMBER: 0001471265-21-000139 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20211025 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211025 DATE AS OF CHANGE: 20211025 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Northwest Bancshares, Inc. CENTRAL INDEX KEY: 0001471265 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34582 FILM NUMBER: 211342257 BUSINESS ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 BUSINESS PHONE: (814) 726-2140 MAIL ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 8-K 1 nwbi-20211025.htm 8-K nwbi-20211025

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 of earliest event reported): October 25, 2021

Northwest Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maryland

001-34582

27-0950358

(State or other jurisdiction of incorporation)

(Commission File No.)

(I.R.S. Employer Identification No.)

100 Liberty Street

Warren

Pennsylvania

16365

(Address of principal executive office)

(Zip code)

(814) 726-2140

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, 0.01 Par Value

NWBI

NASDAQ Stock Market, LLC

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 (17 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))

Indicate by a check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange act. ☐

Item 2.02 Results of Operations and Financial Condition

On October 25, 2021, Northwest Bancshares, Inc. issued an earnings release for the quarter ended September 30, 2021. A copy of the release is included as exhibit 99.1 to this report and is being furnished to the SEC and shall not be deemed “filed” for any purpose.

Item 9.01 Financial Statements and Exhibits

(a) Not applicable

(b) Not applicable

(d) Exhibits


Exhibit No.						Description

99.1						Press release dated October 25, 2021

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.

NORTHWEST BANCSHARES, INC.

Date:

October 25, 2021

By:

/s/ William W. Harvey, Jr.

William W. Harvey, Jr.

Chief Financial Officer

EX-99.1 2 a2021-09x30nwbi8ker.htm EX-99.1 Document

EXHIBIT 99.1

PRESS RELEASE OF NORTHWEST BANCSHARES, INC.

EARNINGS RELEASE

FOR IMMEDIATE RELEASE


Contact:			Ronald J. Seiffert, Chairman, President and Chief Executive Officer (814) 726-2140
			William W. Harvey, Jr., Senior Executive Vice President and Chief Financial Officer (814) 726-2140

Northwest Bancshares, Inc. Announces Third Quarter 2021 Earnings and Quarterly Dividend

Warren, Pennsylvania — October 25, 2021

Northwest Bancshares, Inc. (the "Company") (NasdaqGS: NWBI) announced net income for the quarter ended September 30, 2021 of $35.1 million, or $0.27 per diluted share. This represents a decrease of $3.0 million, or 7.9%, compared to the same quarter last year, when net income was $38.1 million, or $0.30 per diluted share. The annualized returns on average shareholders’ equity and average assets for the quarter ended September 30, 2021 were 8.86% and 0.97% compared to 9.82% and 1.09% for the same quarter last year.

The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.20 per share payable on November 15, 2021 to shareholders of record as of November 5, 2021. This is the 108th consecutive quarter in which the Company has paid a cash dividend. Based on the market value of the Company's common stock as of September 30, 2021, this represents an annualized dividend yield of approximately 6.0%.

In making this announcement, Ronald J. Seiffert, Chairman, President and CEO, noted, "We were pleased to see that, absent the approximately $125.0 million of PPP loan forgiveness/payoffs this quarter, loans outstanding grew approximately $14.0 million, or 0.14%. In addition, $17.2 million of classified loans refinanced out of the bank which contributed to the $30.3 million decrease in nonperforming assets while our delinquencies continue to remain very low. As a result of these credit improvements, we continued to release credit loss reserves that were built up last year during COVID-19."

Mr. Seiffert continued "Although challenges continue with net interest income due to the low interest rate environment and falling yields, interest income during the current quarter was augmented by $4.0 million of PPP fee accretion. In addition, noninterest income stabilized during the most recent quarter having absorbed approximately $1.0 million less per month in interchange revenue since August of last year as a result of the negative impact of the Durbin amendment for all institutions with over $10.0 billion in assets. Finally, core noninterest expense has remained flat over the last five quarters as the result of our continued efforts focused on expense control."

Net interest income decreased by $5.1 million, or 4.9%, to $98.4 million for the quarter ended September 30, 2021, from $103.5 million for the quarter ended September 30, 2020, largely due to a $9.8 million, or 9.1%, decrease in interest income on loans receivable. This decrease in interest income on loans was due to a decrease of $551.4 million, or 5.1%, in the average balance of loans. Contributing to this decrease in average balances were $580.0 million of PPP loan forgiveness/payoffs since September 30 of last year. Also contributing to lower interest income was a decrease in the average loan yield to 3.80% for the quarter ended September 30, 2021 from 3.98% for the quarter ended September 30, 2020. Partially offsetting this decrease in interest income was a decrease of $3.9 million, or 46.2%, in interest expense on deposits due to a decline in market interest rates when compared to the prior year, resulting in a decrease in the cost of our interest-bearing liabilities to 0.27% for the quarter ended September 30, 2021 from 0.42% for the quarter ended September 30, 2020. The net effect of the changes in interest rates and average balances was a decrease in net interest margin to 2.97% for the quarter ended September 30, 2021 from 3.26% for the same quarter last year.

The provision for credit losses decreased by $11.2 million to a current period credit of $4.4 million for the quarter ended September 30, 2021 compared to a provision expense of $6.8 million for the quarter ended September 30, 2020 due to a release in the allowance for credit losses as economic forecasts continue to improve and classified assets declined. Total classified loans decreased by $73.4 million, or 16.0%, to $384.4 million, or 3.77% of total loans, at September 30, 2021 from $457.8 million, or 4.25% of total loans, at September 30, 2020.

Noninterest income decreased by $7.5 million, or 20.4%, to $29.2 million for the quarter ended September 30, 2021, from $36.7 million for the quarter ended September 30, 2020. This decrease was primarily due to a decrease in mortgage banking income of $7.1 million, or 64.4%, to $3.9 million for the quarter ended September 30, 2021 from $11.1 million for the quarter ended September 30, 2020. This decrease reflects the impact of less favorable pricing in the secondary market. In addition, there

was a decrease in insurance commission income of $2.3 million, or 98.1%, to $44,000 for the quarter ended September 30, 2021 from $2.3 million for the quarter ended September 30, 2020 due to the sale of the insurance business during the second quarter of 2021. Lastly, service charges and fees decreased $1.2 million, or 8.0%, to $13.2 million for the quarter ended September 30, 2021 from $14.4 million for the quarter ended September 30, 2020 due primarily to the impact of being subject to the Durbin amendment on interchange revenue. Partially offsetting this decrease was an increase in trust and other financial services income of $1.8 million, or 33.6%, to $7.2 million for the quarter ended September 30, 2021 from $5.4 million for the quarter ended September 30, 2020, as a result of increases in both trust and brokerage advisory services. In addition, there was an increase in other operating income of $1.3 million, or 62.6%, to $3.3 million for the quarter ended September 30, 2021 from $2.0 million for the quarter ended September 30, 2020 primarily as a result of fees earned from debit/credit card volume-based incentives.

Noninterest expense decreased by $767,000, or 0.9%, to $86.1 million for the quarter ended September 30, 2021 from $86.9 million for the quarter ended September 30, 2020. This decrease was due to a decline in a majority of the noninterest expense categories. Processing expenses decreased $1.5 million, or 10.1%, to $13.5 million for the quarter ended September 30, 2021 from $15.0 million for the quarter ended September 30, 2020. Merger related expenses decreased $1.4 million, or 100.0%, due to expenses incurred in the prior year as a result of the acquisition of MutualFirst Financial, Inc. Partially offsetting these decreases was an increase of $1.7 million, or 3.6%, in compensation and employee benefits due primarily to increases in health insurance and other benefit costs, regular merit expense increases and the addition of strategic personnel. In addition, there was an increase in other expenses of $2.2 million for the quarter ended September 30, 2021 due primarily due to an increase in the unfunded reserve as a result of an increase in undrawn commitments in the commercial real estate and construction portfolios.

The provision for income taxes increased by $2.3 million, or 27.5%, to $10.8 million for the quarter ended September 30, 2021 from $8.5 million for the quarter ended September 30, 2020. This increase in income taxes was due to an increase in the annual effective tax rate for 2021 as the prior year had a greater percentage of net income generated by tax free or tax efficient earning assets.

Northwest Bancshares, Inc. is the holding company of Northwest Bank, which is headquartered in Warren, Pennsylvania. Founded in 1896, Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, as well as employee benefits and wealth management services. As of September 30, 2021, Northwest operated 162 full-service community banking offices and eight free standing drive-through facilities in Pennsylvania, New York, Ohio and Indiana. Northwest Bancshares, Inc.’s common stock is listed on the NASDAQ Global Select Market (“NWBI”). Additional information regarding Northwest Bancshares, Inc. and Northwest Bank can be accessed on-line at www.northwest.com.

# # #

Forward-Looking Statements - This release may contain forward-looking statements with respect to the financial condition and results of operations of Northwest Bancshares, Inc. including, without limitations, statements relating to the earnings outlook of the Company. These forward-looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements, include among others, the following possibilities: (1) changes in the interest rate environment; (2) competitive pressure among financial services companies; (3) general economic conditions including an increase in non-performing loans; (4) changes in legislation or regulatory requirements; (5) difficulties in continuing to improve operating efficiencies; (6) difficulties in the integration of acquired businesses or the ability to complete sales transactions; (7) increased risk associated with commercial real-estate and business loans; and (8) the effect of any pandemic, including COVID-19, war or act of terrorism. Management has no obligation to revise or update these forward-looking statements to reflect events or circumstances that arise after the date of this release.

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Financial Condition (Unaudited)

(dollars in thousands, except per share amounts)


	September 30, 2021			December 31, 2020		September 30, 2020
Assets
Cash and cash equivalents	$	1,090,485		736,277		656,749


Marketable securities available-for-sale (amortized cost of $1,587,105, $1,375,685 and $1,385,835, respectively)	1,583,715			1,398,941		1,409,150
Marketable securities held-to-maturity (fair value of $609,777, $179,666 and $16,168, respectively)	618,395			178,887		15,333
Total cash and cash equivalents and marketable securities	3,292,595			2,314,105		2,081,232

Residential mortgage loans held-for-sale	27,411			58,786		25,140
Residential mortgage loans	2,962,110			3,009,335		3,118,229
Home equity loans	1,350,348			1,467,736		1,484,365
Consumer loans	1,816,836			1,507,993		1,487,083
Commercial real estate loans	3,162,551			3,345,889		3,319,743
Commercial loans	879,712			1,191,110		1,347,292
Total loans receivable	10,198,968			10,580,849		10,781,852
Allowance for credit losses	(109,767)			(134,427)		(140,209)
Loans receivable, net	10,089,201			10,446,422		10,641,643


FHLB stock, at cost	14,567			21,748		23,171
Accrued interest receivable	26,995			35,554		36,916
Real estate owned, net	809			2,232		2,575
Premises and equipment, net	155,740			161,538		166,919
Bank-owned life insurance	254,871			253,951		252,621
Goodwill	380,997			382,279		386,044
Other intangible assets, net	14,041			19,936		21,601
Other assets	159,419			168,503		176,083
Total assets	$	14,389,235		13,806,268		13,788,805
Liabilities and shareholders’ equity
Liabilities
Noninterest-bearing demand deposits	$	3,052,115		2,716,224		2,641,234
Interest-bearing demand deposits	2,926,351			2,755,950		2,663,878
Money market deposit accounts	2,584,424			2,437,539		2,396,567
Savings deposits	2,271,496			2,047,424		2,022,918
Time deposits	1,387,827			1,642,096		1,732,022
Total deposits	12,222,213			11,599,233		11,456,619


Borrowed funds	126,496			159,715		274,939
Subordinated debt	123,486			123,329		123,277
Junior subordinated debentures	128,989			128,794		128,729
Advances by borrowers for taxes and insurance	26,951			45,230		29,755
Accrued interest payable	589			2,054		1,002
Other liabilities	198,743			209,210		227,253
Total liabilities	12,827,467			12,267,565		12,241,574
Shareholders’ equity
Preferred stock, $0.01 par value: 50,000,000 shares authorized, no shares issued	—			—		—
Common stock, $0.01 par value: 500,000,000 shares authorized, 126,521,344, 127,019,452, and 127,801,297 shares issued and outstanding, respectively	1,265			1,270		1,278
Additional paid-in capital	1,008,099			1,015,502		1,023,827
Retained earnings	604,787			555,480		544,695

Accumulated other comprehensive loss	(52,383)			(33,549)		(22,569)
Total shareholders’ equity	1,561,768			1,538,703		1,547,231
Total liabilities and shareholders’ equity	$	14,389,235		13,806,268		13,788,805

Equity to assets	10.85		%	11.14	%	11.22	%
Tangible common equity to assets*	8.34		%	8.48	%	8.52	%
Book value per share	$	12.34		12.11		12.11
Tangible book value per share*	$	9.22		8.95		8.92
Closing market price per share	$	13.28		12.74		9.20
Full time equivalent employees	2,404			2,421		2,523
Number of banking offices	170			170		213

* Excludes goodwill and other intangible assets (non-GAAP).

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income (Unaudited)

(dollars in thousands, except per share amounts)


	Quarter ended
	September 30, 2021			June 30, 2021		March 31, 2021		December 31, 2020		September 30, 2020

Interest income:
Loans receivable	$	97,475		95,255		102,318		105,681		107,241
Mortgage-backed securities	5,840			5,680		4,200		4,551		4,652
Taxable investment securities	649			693		634		471		427
Tax-free investment securities	628			594		575		656		655
FHLB stock dividends	71			138		116		192		218
Interest-earning deposits	352			192		183		178		221
Total interest income	105,015			102,552		108,026		111,729		113,414
Interest expense:
Deposits	4,540			4,773		5,514		6,714		8,443
Borrowed funds	2,056			2,050		2,054		2,127		1,437
Total interest expense	6,596			6,823		7,568		8,841		9,880
Net interest income	98,419			95,729		100,458		102,888		103,534
Provision for credit losses	(4,354)			—		(5,620)		(2,230)		6,818
Net interest income after provision for credit losses	102,773			95,729		106,078		105,118		96,716
Noninterest income:
Gain/(loss) on sale of investments	(46)			(105)		(21)		75		(12)

Service charges and fees	13,199			12,744		12,394		13,074		14,354


Trust and other financial services income	7,182			7,435		6,484		5,722		5,376
Insurance commission income	44			1,043		2,546		2,034		2,331
Gain/(loss) on real estate owned, net	247			166		(42)		114		(32)
Income from bank-owned life insurance	1,332			1,639		1,736		1,330		1,576
Mortgage banking income	3,941			3,811		6,020		7,120		11,055
Gain on sale of insurance business	—			25,327		—		—		—
Other operating income	3,287			2,648		2,836		2,654		2,022
Total noninterest income	29,186			54,708		31,953		32,123		36,670
Noninterest expense:
Compensation and employee benefits	49,063			48,894		47,239		48,209		47,371
Premises and occupancy costs	7,745			7,410		8,814		7,614		8,342
Office operations	4,143			3,317		3,165		4,009		4,626
Collections expense	411			303		616		893		1,264
Processing expenses	13,517			15,151		13,456		12,186		15,042
Marketing expenses	2,102			2,101		1,980		1,994		2,147
Federal deposit insurance premiums	1,184			1,353		1,307		1,651		1,498
Professional services	4,295			4,231		4,582		3,599		3,246
Amortization of intangible assets	1,321			1,433		1,594		1,664		1,781
Real estate owned expense	94			85		75		64		111
Merger, asset disposition and restructuring expense	—			632		9		7,238		1,414
Other expenses	2,227			1,422		3,354		3,728		27
Total noninterest expense	86,102			86,332		86,191		92,849		86,869
Income before income taxes	45,857			64,105		51,840		44,392		46,517
Income tax expense	10,794			15,138		11,603		9,327		8,467
Net income	$	35,063		48,967		40,237		35,065		38,050

Basic earnings per share	$	0.28		0.38		0.32		0.28		0.30
Diluted earnings per share	$	0.27		0.38		0.32		0.28		0.30




Annualized return on average equity	8.86		%	12.58	%	10.61	%	9.00	%	9.82	%
Annualized return on average assets	0.97		%	1.37	%	1.17	%	1.01	%	1.09	%
Annualized return on tangible common equity *	11.92		%	16.66	%	14.31	%	12.27	%	13.28	%

Efficiency ratio **	66.44		%	67.35	%	63.88	%	62.18	%	59.68	%
Annualized noninterest expense to average assets ***	2.33		%	2.35	%	2.45	%	2.42	%	2.39	%

* Excludes goodwill and other intangible assets (non-GAAP).

** Excludes gain on sale of insurance business, amortization of intangible assets and merger, asset disposition and restructuring expenses (non-GAAP).

*** Excludes amortization of intangible assets and merger, asset disposition and restructuring expenses (non-GAAP).

Northwest Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income (Unaudited)

(dollars in thousands, except per share amounts)


	Nine months ended September 30,
	2021			2020
Interest income:
Loans receivable	$	295,048		305,226
Mortgage-backed securities	15,720			12,865
Taxable investment securities	1,976			1,514
Tax-free investment securities	1,797			1,404
FHLB stock dividends	325			789
Interest-earning deposits	727			541
Total interest income	315,593			322,339
Interest expense:
Deposits	14,827			29,182
Borrowed funds	6,160			4,317
Total interest expense	20,987			33,499
Net interest income	294,606			288,840
Provision for credit losses	(9,974)			86,205
Net interest income after provision for credit losses	304,580			202,635
Noninterest income:
Gain/(loss) on sale of investments	(172)			161
Gain on sale of loans	—			1,302
Service charges and fees	38,337			42,539


Trust and other financial services income	21,101			15,200
Insurance commission income	3,633			7,098
Gain/(loss) on real estate owned, net	371			(220)
Income from bank-owned life insurance	4,707			3,860
Mortgage banking income	13,772			24,271
Gain on sale of insurance business	25,327			—
Other operating income	8,771			5,931
Total noninterest income	115,847			100,142
Noninterest expense:
Compensation and employee benefits	145,196			130,166
Premises and occupancy costs	23,969			23,008
Office operations	10,625			11,719
Collections expense	1,330			2,382
Processing expenses	42,124			37,864
Marketing expenses	6,183			5,701
Federal deposit insurance premiums	3,844			3,116
Professional services	13,108			8,883
Amortization of intangible assets	4,348			5,192
Real estate owned expense	254			295
Merger, asset disposition and restructuring expense	641			13,551
Other expenses	7,003			12,766
Total noninterest expense	258,625			254,643
Income before income taxes	161,802			48,134
Income tax expense	37,535			8,345
Net income	$	124,267		39,789

Basic earnings per share	$	0.98		0.34
Diluted earnings per share	$	0.97		0.34




Annualized return on average equity	10.67		%	3.33	%
Annualized return on average assets	1.17		%	0.42	%
Annualized return on tangible common equity *	14.24		%	4.66	%

Efficiency ratio **	65.86		%	60.65	%
Annualized noninterest expense to average assets ***	2.38		%	2.50	%

* Excludes goodwill and other intangible assets (non-GAAP).

** Excludes gain on sale of insurance business, amortization of intangible assets and merger, asset disposition and restructuring expenses (non-GAAP).

*** Excludes amortization of intangible assets and merger, asset disposition and restructuring expenses (non-GAAP).

Northwest Bancshares, Inc. and Subsidiaries

Asset Quality (Unaudited)

(dollars in thousands)


	September 30, 2021			June 30, 2021		March 31, 2021		December 31, 2020		September 30, 2020
Nonaccrual loans current:
Residential mortgage loans	$	2,015		189		164		21		1,128
Home equity loans	1,267			170		268		154		366

Consumer loans	1,465			188		225		207		234
Commercial real estate loans	111,075			138,820		146,304		20,317		22,610
Commercial loans	17,021			17,545		6,361		16,027		6,488
Total nonaccrual loans current	$	132,843		156,912		153,322		36,726		30,826
Nonaccrual loans delinquent 30 days to 59 days:
Residential mortgage loans	$	99		68		1,261		647		60
Home equity loans	328			229		340		338		445

Consumer loans	152			230		254		301		230
Commercial real estate loans	205			1,589		965		1,416		692
Commercial loans	102			406		1,538		87		57
Total nonaccrual loans delinquent 30 days to 59 days	$	886		2,522		4,358		2,789		1,484
Nonaccrual loans delinquent 60 days to 89 days:
Residential mortgage loans	$	527		207		813		767		576
Home equity loans	142			310		417		190		618

Consumer loans	291			297		649		583		781
Commercial real estate loans	419			198		1,877		714		2,745
Commercial loans	170			21		7,919		48		15
Total nonaccrual loans delinquent 60 days to 89 days	$	1,549		1,033		11,675		2,302		4,735
Nonaccrual loans delinquent 90 days or more:
Residential mortgage loans	$	8,069		10,007		9,333		14,489		14,750
Home equity loans	4,745			6,256		7,044		8,441		7,845

Consumer loans	2,184			2,341		3,625		5,473		5,352
Commercial real estate loans	25,562			23,564		29,737		25,287		35,496
Commercial loans	1,104			4,126		4,860		7,325		6,310
Total nonaccrual loans delinquent 90 days or more	$	41,664		46,294		54,599		61,015		69,753
Total nonaccrual loans	$	176,942		206,761		223,954		102,832		106,798
Total nonaccrual loans	$	176,942		206,761		223,954		102,832		106,798
Loans 90 days past due and still accruing	386			302		197		585		495
Nonperforming loans	177,328			207,063		224,151		103,417		107,293
Real estate owned, net	809			1,353		1,738		2,232		2,575
Nonperforming assets	$	178,137		208,416		225,889		105,649		109,868
Nonaccrual troubled debt restructuring *	$	12,858		8,951		7,390		10,704		17,120
Accruing troubled debt restructuring	13,664			18,480		20,120		21,431		17,684
Total troubled debt restructuring	$	26,522		27,431		27,510		32,135		34,804

Nonperforming loans to total loans	1.74		%	2.01	%	2.16	%	0.98	%	1.00	%
Nonperforming assets to total assets	1.24		%	1.46	%	1.58	%	0.77	%	0.80	%
Allowance for credit losses to total loans	1.08		%	1.14	%	1.20	%	1.27	%	1.30	%
Allowance for total loans excluding PPP loan balances	1.09		%	1.17	%	1.24	%	1.32	%	1.36	%
Allowance for credit losses to nonperforming loans	61.90		%	56.66	%	55.32	%	129.99	%	130.68	%

* Amounts included in nonperforming loans above.

Northwest Bancshares, Inc. and Subsidiaries

Loans by Credit Quality Indicators (Unaudited)

(dollars in thousands)


At September 30, 2021	Pass		Special mention *	Substandard **	Doubtful	Loss	Loans receivable
Personal Banking:
Residential mortgage loans	$	2,972,489	—	17,032	—	—	2,989,521
Home equity loans	1,342,479		—	7,869	—	—	1,350,348
Consumer loans	1,812,360		—	4,476	—	—	1,816,836
Total Personal Banking	6,127,328		—	29,377	—	—	6,156,705
Commercial Banking:
Commercial real estate loans	2,799,592		63,034	299,925	—	—	3,162,551
Commercial loans	813,665		10,976	55,071	—	—	879,712
Total Commercial Banking	3,613,257		74,010	354,996	—	—	4,042,263
Total loans	$	9,740,585	74,010	384,373	—	—	10,198,968
At June 30, 2021
Personal Banking:
Residential mortgage loans	$	2,937,418	—	17,133	—	—	2,954,551
Home equity loans	1,367,765		—	8,463	—	—	1,376,228
Consumer loans	1,741,872		—	3,359	—	—	1,745,231
Total Personal Banking	6,047,055		—	28,955	—	—	6,076,010
Commercial Banking:
Commercial real estate loans	2,781,734		73,167	360,288	—	—	3,215,189
Commercial loans	943,665		11,266	63,850	—	—	1,018,781
Total Commercial Banking	3,725,399		84,433	424,138	—	—	4,233,970
Total loans	$	9,772,454	84,433	453,093	—	—	10,309,980
At March 31, 2021
Personal Banking:
Residential mortgage loans	$	2,950,103	—	21,575	—	—	2,971,678
Home equity loans	1,396,757		—	10,767	—	—	1,407,524
Consumer loans	1,547,502		—	6,853	—	—	1,554,355
Total Personal Banking	5,894,362		—	39,195	—	—	5,933,557
Commercial Banking:
Commercial real estate loans	2,801,082		120,345	368,009	—	—	3,289,436
Commercial loans	1,061,884		22,623	60,540	—	—	1,145,047
Total Commercial Banking	3,862,966		142,968	428,549	—	—	4,434,483
Total loans	$	9,757,328	142,968	467,744	—	—	10,368,040
At December 31, 2020
Personal Banking:
Residential mortgage loans	$	3,042,544	—	25,577	—	—	3,068,121
Home equity loans	1,455,474		—	12,262	—	—	1,467,736
Consumer loans	1,499,004		—	8,989	—	—	1,507,993
Total Personal Banking	5,997,022		—	46,828	—	—	6,043,850
Commercial Banking:
Commercial real estate loans	2,852,705		108,021	385,163	—	—	3,345,889
Commercial loans	1,092,498		41,278	57,334	—	—	1,191,110
Total Commercial Banking	3,945,203		149,299	442,497	—	—	4,536,999
Total loans	$	9,942,225	149,299	489,325	—	—	10,580,849
At September 30, 2020
Personal Banking:
Residential mortgage loans	$	3,117,442	—	25,927	—	—	3,143,369
Home equity loans	1,471,919		—	12,446	—	—	1,484,365
Consumer loans	1,478,109		—	8,974	—	—	1,487,083
Total Personal Banking	6,067,470		—	47,347	—	—	6,114,817
Commercial Banking:
Commercial real estate loans	2,850,611		110,073	359,059	—	—	3,319,743
Commercial loans	1,255,255		40,631	51,406	—	—	1,347,292
Total Commercial Banking	4,105,866		150,704	410,465	—	—	4,667,035
Total loans	$	10,173,336	150,704	457,812	—	—	10,781,852

* Includes $16.7 million, $16.7 million, $26.4 million, $31.3 million, and $34.7 million of acquired loans at September 30, 2021, June 30, 2021, March 31, 2021, December 31, 2020, and September 30, 2020, respectively.

** Includes $110.4 million, $122.5 million, $143.2 million, $153.2 million, and $129.2 million of acquired loans at September 30, 2021, June 30, 2021, March 31, 2021, December 31, 2020, and September 30, 2020, respectively.

Northwest Bancshares, Inc. and Subsidiaries

Loan Delinquency (Unaudited)

(dollars in thousands)


	September 30, 2021			*		June 30, 2021			*		March 31, 2021			*		December 31, 2020			*		September 30, 2020			*
(Number of loans and dollar amount of loans)
Loans delinquent 30 days to 59 days:
Residential mortgage loans	17	$	765	—	%	13	$	606	—	%	248	$	22,236	0.7	%	315	$	28,797	0.9	%	17	$	736	—	%
Home equity loans	101	3,351		0.2	%	91	3,677		0.3	%	84	3,334		0.2	%	138	4,763		0.3	%	129	4,984		0.3	%

Consumer loans	576	6,146		0.3	%	532	5,571		0.3	%	535	5,732		0.4	%	1,279	10,574		0.7	%	1,078	8,586		0.6	%
Commercial real estate loans	19	2,004		0.1	%	13	2,857		0.1	%	33	12,240		0.4	%	43	10,923		0.3	%	28	5,090		0.2	%
Commercial loans	10	692		0.1	%	15	686		0.1	%	16	3,032		0.3	%	37	6,405		0.5	%	19	1,797		0.1	%
Total loans delinquent 30 days to 59 days	723	$	12,958	0.1	%	664	$	13,397	0.1	%	916	$	46,574	0.4	%	1,812	$	61,462	0.6	%	1,271	$	21,193	0.2	%

Loans delinquent 60 days to 89 days:
Residential mortgage loans	55	$	4,907	0.2	%	58	$	4,051	0.1	%	26	$	2,062	0.1	%	84	$	5,083	0.2	%	65	$	4,788	0.2	%
Home equity loans	29	1,024		0.1	%	36	1,502		0.1	%	31	953		0.1	%	47	1,656		0.1	%	56	1,860		0.1	%

Consumer loans	180	1,757		0.1	%	181	1,988		0.1	%	169	1,868		0.1	%	322	2,742		0.2	%	323	3,049		0.2	%
Commercial real estate loans	8	1,170		—	%	9	1,335		—	%	14	7,609		0.2	%	11	1,615		—	%	14	4,212		0.1	%
Commercial loans	2	170		—	%	2	27		—	%	12	8,979		0.8	%	10	864		0.1	%	7	357		—	%
Total loans delinquent 60 days to 89 days	274	$	9,028	0.1	%	286	$	8,903	0.1	%	252	$	21,471	0.2	%	474	$	11,960	0.1	%	465	$	14,266	0.1	%

Loans delinquent 90 days or more: **
Residential mortgage loans	95	$	8,069	0.3	%	115	$	10,007	0.3	%	121	$	9,333	0.3	%	168	$	14,489	0.5	%	168	$	14,750	0.5	%
Home equity loans	119	4,745		0.4	%	146	6,256		0.5	%	176	7,044		0.5	%	207	8,441		0.6	%	193	7,845		0.5	%

Consumer loans	308	2,568		0.1	%	356	2,643		0.2	%	454	3,822		0.2	%	720	6,058		0.4	%	696	5,847		0.4	%
Commercial real estate loans	59	25,562		0.8	%	83	23,564		0.7	%	113	29,737		0.9	%	119	25,287		0.8	%	136	35,496		1.1	%
Commercial loans	10	1,104		0.1	%	18	4,126		0.4	%	31	4,860		0.4	%	37	7,325		0.6	%	34	6,310		0.5	%
Total loans delinquent 90 days or more	591	$	42,048	0.4	%	718	$	46,596	0.5	%	895	$	54,796	0.5	%	1,251	$	61,600	0.6	%	1,227	$	70,248	0.7	%

Total loans delinquent	1,588	$	64,034	0.6	%	1,668	$	68,896	0.7	%	2,063	$	122,841	1.2	%	3,537	$	135,022	1.3	%	2,963	$	105,707	1.0	%

* Represents delinquency, in dollars, divided by the respective total amount of that type of loan outstanding.

** Includes purchased credit deteriorated loans of $8.4 million, $10.3 million, $12.7 million, $6.6 million, and $20.3 million at September 30, 2021, June 30, 2021, March 31, 2021, December 31, 2020, and September 30, 2020, respectively.

Northwest Bancshares, Inc. and Subsidiaries

Allowance for Credit Losses (Unaudited)

(dollars in thousands)


	Quarter ended
	September 30, 2021			June 30, 2021		March 31, 2021		December 31, 2020		September 30, 2020
Beginning balance	$	117,330		123,997		134,427		140,209		140,586


Provision	(4,354)			—		(5,620)		(2,230)		6,818
Charge-offs residential mortgage	(1,263)			(770)		(855)		(407)		(129)
Charge-offs home equity	(1,474)			(379)		(228)		(58)		(88)

Charge-offs consumer	(2,148)			(2,401)		(2,603)		(2,623)		(3,356)
Charge-offs commercial real estate	(1,581)			(3,964)		(4,626)		(2,770)		(532)
Charge-offs commercial	(412)			(1,161)		(54)		(156)		(4,892)
Recoveries	3,669			2,008		3,556		2,462		1,802
Ending balance	$	109,767		117,330		123,997		134,427		140,209
Net charge-offs to average loans, annualized	0.12		%	0.26	%	0.19	%	0.13	%	0.27	%


	Nine months ended September 30, 2021
	2021			2020
Beginning balance	$	134,427		57,941
CECL adoption	—			10,792
Initial allowance on loans purchased with credit deterioration	—			8,845
Provision	(9,974)			86,205
Charge-offs residential mortgage	(2,888)			(510)
Charge-offs home equity	(2,081)			(550)
Charge-offs consumer	(7,152)			(10,035)
Charge-offs commercial real estate	(10,171)			(1,553)
Charge-offs commercial	(1,627)			(16,056)
Recoveries	9,233			5,130
Ending balance	$	109,767		140,209

Net charge-offs to average loans, annualized	0.19		%	0.32	%


	September 30, 2021
	Originated loans			Acquired loans		Total loans
	Balance		Reserve	Balance	Reserve	Balance	Reserve
Residential mortgage loans	$	2,756,383	6,886	233,138	1,101	2,989,521	7,987
Home equity loans	1,122,611		4,748	227,737	1,545	1,350,348	6,293

Consumer loans	1,655,827		13,914	161,009	1,617	1,816,836	15,531
Personal Banking Loans	5,534,821		25,548	621,884	4,263	6,156,705	29,811
Commercial real estate loans	2,594,414		49,842	568,137	11,855	3,162,551	61,697
Commercial loans	786,111		11,832	93,601	6,427	879,712	18,259
Commercial Banking Loans	3,380,525		61,674	661,738	18,282	4,042,263	79,956
Total Loans	$	8,915,346	87,222	1,283,622	22,545	10,198,968	109,767

Northwest Bancshares, Inc. and Subsidiaries

Average Balance Sheet (Unaudited)

(dollars in thousands)

The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages.


	Quarter ended
	September 30, 2021					June 30, 2021					March 31, 2021					December 31, 2020					September 30, 2020
	Average balance		Interest	Avg. yield/ cost (i)		Average balance		Interest	Avg. yield/ cost (i)		Average balance		Interest	Avg. yield/ cost (i)		Average balance		Interest	Avg. yield/ cost (i)		Average balance		Interest	Avg. yield/ cost (i)
Assets:
Interest-earning assets:
Residential mortgage loans	$	2,959,794	25,398	3.43	%	$	2,935,034	25,609	3.49	%	$	3,007,439	26,366	3.51	%	$	3,089,916	27,503	3.56	%	$	3,176,436	28,769	3.62	%
Home equity loans	1,356,131		11,993	3.51	%	1,380,794		12,232	3.55	%	1,432,009		12,815	3.63	%	1,472,527		13,535	3.66	%	1,479,429		13,732	3.69	%
Consumer loans	1,728,563		16,220	3.72	%	1,589,739		14,555	3.67	%	1,463,284		14,566	4.04	%	1,444,860		15,874	4.37	%	1,437,828		15,851	4.39	%
Commercial real estate loans	3,205,839		35,305	4.31	%	3,257,810		33,349	4.05	%	3,313,892		38,471	4.64	%	3,317,418		37,965	4.48	%	3,306,386		36,887	4.37	%
Commercial loans	975,603		9,096	3.65	%	1,133,969		9,978	3.48	%	1,189,812		10,566	3.55	%	1,325,047		11,414	3.37	%	1,377,223		12,603	3.58	%
Total loans receivable (a) (b) (d)	10,225,930		98,012	3.80	%	10,297,346		95,723	3.73	%	10,406,436		102,784	4.01	%	10,649,768		106,291	3.97	%	10,777,302		107,842	3.98	%
Mortgage-backed securities (c)	1,832,876		5,840	1.27	%	1,756,227		5,680	1.29	%	1,324,558		4,200	1.27	%	1,166,739		4,551	1.56	%	1,004,803		4,651	1.85	%
Investment securities (c) (d)	348,619		1,466	1.68	%	364,414		1,466	1.61	%	331,358		1,381	1.67	%	252,898		1,380	2.18	%	216,081		1,336	2.47	%
FHLB stock, at cost	21,607		71	1.31	%	23,107		138	2.40	%	21,811		116	2.17	%	23,346		192	3.27	%	25,595		218	3.39	%
Other interest-earning deposits	905,130		352	0.15	%	810,741		192	0.09	%	801,119		183	0.09	%	632,494		178	0.11	%	791,601		221	0.11	%
Total interest-earning assets	13,334,162		105,741	3.15	%	13,251,835		103,199	3.12	%	12,885,282		108,664	3.42	%	12,725,245		112,592	3.52	%	12,815,382		114,268	3.55	%
Noninterest-earning assets (e)	1,074,122					1,104,924					1,102,477					1,066,609					1,088,273
Total assets	$	14,408,284				$	14,356,759				$	13,987,759				$	13,791,854				$	13,903,655
Liabilities and shareholders’ equity:
Interest-bearing liabilities:
Savings deposits	$	2,271,365	603	0.11	%	$	2,255,578	590	0.10	%	$	2,118,030	625	0.12	%	$	2,028,155	617	0.12	%	$	2,015,604	648	0.13	%
Interest-bearing demand deposits	2,890,905		414	0.06	%	2,840,949		407	0.06	%	2,783,429		429	0.06	%	2,699,515		476	0.07	%	2,680,591		763	0.11	%
Money market deposit accounts	2,565,159		637	0.10	%	2,537,629		621	0.10	%	2,497,495		657	0.11	%	2,426,513		960	0.16	%	2,347,097		1,347	0.23	%
Time deposits	1,423,041		2,886	0.80	%	1,493,947		3,155	0.85	%	1,583,525		3,803	0.97	%	1,676,094		4,660	1.11	%	1,782,350		5,685	1.27	%
Borrowed funds (f)	131,199		154	0.47	%	131,240		150	0.46	%	143,806		154	0.43	%	229,109		213	0.37	%	419,375		411	0.55	%
Subordinated debt (g)	123,513		1,277	4.10	%	123,443		1,264	4.11	%	123,357		1,258	4.14	%	123,283		1,256	4.05	%	1,340		306	N/M
Junior subordinated debentures	128,946		625	1.90	%	128,882		636	1.95	%	128,817		642	1.99	%	128,752		659	2.00	%	128,658		720	2.19	%
Total interest-bearing liabilities	9,534,128		6,596	0.27	%	9,511,668		6,823	0.29	%	9,378,459		7,568	0.33	%	9,311,421		8,841	0.38	%	9,375,015		9,880	0.42	%
Noninterest-bearing demand deposits (h)	3,058,819					3,036,202					2,805,206					2,675,986					2,703,266
Noninterest-bearing liabilities	244,402					247,930					265,667					253,966					284,440
Total liabilities	12,837,349					12,795,800					12,449,332					12,241,373					12,362,721
Shareholders’ equity	1,570,935					1,560,959					1,538,427					1,550,481					1,540,934
Total liabilities and shareholders’ equity	$	14,408,284				$	14,356,759				$	13,987,759				$	13,791,854				$	13,903,655
Net interest income/Interest rate spread			99,145	2.87	%			96,376	2.84	%			101,096	3.09	%			103,751	3.14	%			104,388	3.13	%
Net interest-earning assets/Net interest margin	$	3,800,034		2.97	%	$	3,740,167		2.91	%	$	3,506,823		3.18	%	$	3,413,824		3.26	%	$	3,440,367		3.26	%
Ratio of interest-earning assets to interest-bearing liabilities	1.40X					1.39X					1.37X					1.37X					1.37X

(a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status.

(b) Interest income includes accretion/amortization of deferred loan fees/expenses, which was not material.

(d) Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent ("FTE") basis.

(e) Average balances include the effect of unrealized gains or losses on securities held as available-for-sale.

(f) Average balances include FHLB borrowings and collateralized borrowings.

(g) On September 9, 2020, the Company issued $125.0 million of 4.00% fixed-to-floating rate subordinated notes with a maturity of September 15, 2030.

(h) Average cost of deposits were 0.15%, 0.16%, 0.19%, 0.23%, and 0.29%, respectively.

(i) Shown on a FTE basis. GAAP basis yields for the periods indicated were: Loans — 3.79%, 3.71%, 3.99%, 3.94%, and 3.96%, respectively, Investment securities — 1.47%, 1.41%, 1.46%, 1.78%, and 2.00%, respectively, Interest-earning assets — 3.13%, 3.10%, 3.40%, 3.48%, and 3.52%, respectively. GAAP basis net interest rate spreads were 2.86%, 2.82%, 3.07%, 3.11%, and 3.10%, respectively, and GAAP basis net interest margins were 2.95%, 2.89%, 3.16%, 3.23%, and 3.23%, respectively.

Northwest Bancshares, Inc. and Subsidiaries

Average Balance Sheet (Unaudited)

(in thousands)

The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages.


	Nine months ended September 30,
	2021					2020
	Average balance		Interest	Avg. yield/ cost (i)		Average balance		Interest	Avg. yield/ cost (i)
Assets
Interest-earning assets:
Residential mortgage loans	$	2,967,248	77,373	3.48	%	$	3,038,712	85,850	3.77	%
Home equity loans	1,389,367		37,039	3.55	%	1,424,580		42,340	3.97	%
Consumer loans	1,594,834		45,341	3.79	%	1,302,282		43,004	4.41	%

Commercial real estate loans	3,258,785		107,124	4.32	%	3,071,047		102,918	4.40	%
Commercial loans	1,099,010		29,640	3.54	%	1,084,739		32,727	3.96	%
Loans receivable (a) (b) (d)	10,309,244		296,517	3.83	%	9,921,360		306,839	4.13	%
Mortgage-backed securities (c)	1,639,749		15,720	1.28	%	796,739		12,865	2.15	%
Investment securities (c) (d)	348,193		4,313	1.65	%	176,991		3,461	2.61	%
FHLB stock, at cost	22,174		325	1.95	%	21,255		789	4.96	%
Other interest-earning deposits	838,997		727	0.11	%	483,390		541	0.15	%
Total interest-earning assets	13,158,357		317,602	3.22	%	11,399,735		324,495	3.80	%
Noninterest-earning assets (e)	1,094,117					1,190,283

Total assets	$	14,252,474				$	12,590,018

Liabilities and shareholders’ equity
Interest-bearing liabilities:
Savings deposits	$	2,215,553	1,818	0.11	%	$	1,837,624	2,023	0.15	%
Interest-bearing demand deposits	2,838,822		1,250	0.06	%	2,342,748		2,882	0.16	%
Money market deposit accounts	2,533,676		1,914	0.10	%	2,157,212		6,035	0.37	%
Time deposits	1,499,583		9,845	0.87	%	1,691,168		18,243	1.44	%
Borrowed funds (f)	135,369		458	0.45	%	344,007		1,415	0.55	%
Subordinated debt (g)	123,438		3,799	4.10	%	450		306	N/M
Junior subordinated debentures	128,882		1,903	1.94	%	125,988		2,595	2.71	%
Total interest-bearing liabilities	9,475,323		20,987	0.30	%	8,499,197		33,499	0.53	%
Noninterest-bearing demand deposits (h)	2,967,672					2,250,864
Noninterest-bearing liabilities	252,587					243,705

Total liabilities	12,695,582					10,993,766

Shareholders’ equity	1,556,892					1,596,252

Total liabilities and shareholders’ equity	$	14,252,474				$	12,590,018

Net interest income/Interest rate spread			296,615	2.92	%			290,996	3.27	%

Net interest-earning assets/Net interest margin	$	3,683,034		3.01	%	$	2,900,538		3.40	%

Ratio of interest-earning assets to interest-bearing liabilities	1.39X					1.34X

(a)Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status.

(b)Interest income includes accretion/amortization of deferred loan fees/expenses, which were not material.

(c)Average balances do not include the effect of unrealized gains or losses on securities held as available-for-sale.

(d)Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent ("FTE") basis.

(e)Average balances include the effect of unrealized gains or losses on securities held as available-for-sale.

(f)Average balances include FHLB borrowings and collateralized borrowings.

(g)On September 9, 2020, the Company issued $125.0 million of 4.00% fixed-to-floating rate subordinated notes with a maturity of September 15, 2030.

(h)Average cost of deposits were 0.16% and 0.38%, respectively.

(i)Shown on a FTE basis. GAAP basis yields were: Loans — 3.82% and 4.11%, respectively; Investment securities — 1.44% and 2.20%, respectively; Interest-earning assets — 3.20% and 3.78%, respectively. GAAP basis net interest rate spreads were 2.91% and 3.25%, respectively; and GAAP basis net interest margins were 2.99% and 3.38%, respectively.

EX-101.SCH 3 nwbi-20211025.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0001001 - Document - Cover Page Document link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 nwbi-20211025_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Pre-commencement Tender Offer Pre-commencement Tender Offer Amendment Flag Amendment Flag Entity Address, State or Province Entity Address, State or Province Entity Tax Identification Number Entity Tax Identification Number Title of 12(b) Security Title of 12(b) Security Entity File Number Entity File Number Written Communications Written Communications Pre-commencement Issuer Tender Offer Pre-commencement Issuer Tender Offer Entity Emerging Growth Company Entity Emerging Growth Company Trading Symbol Trading Symbol Document Period End Date Document Period End Date Cover page. [Abstract] Cover page. [Abstract] Cover page. [Abstract] Soliciting Material Soliciting Material Document Type Document Type City Area Code City Area Code Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line One Entity Registrant Name Entity Registrant Name Local Phone Number Local Phone Number Entity Address, City or Town Entity Address, City or Town Entity Address, Postal Zip Code Entity Address, Postal Zip Code Entity Central Index Key Entity Central Index Key Security Exchange Name Security Exchange Name EX-101.PRE 5 nwbi-20211025_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 6 nwbi-20211025_htm.xml IDEA: XBRL DOCUMENT 0001471265 2021-10-25 2021-10-25 0001471265 false 8-K 2021-10-25 Northwest Bancshares, Inc. MD 001-34582 27-0950358 100 Liberty Street Warren PA 16365 814 726-2140 Common Stock, 0.01 Par Value NWBI NASDAQ false false false false false XML 7 R1.htm IDEA: XBRL DOCUMENT

Cover Page Document	Oct. 25, 2021
Cover page. [Abstract]
Document Type	8-K
Document Period End Date	Oct. 25, 2021
Entity Registrant Name	Northwest Bancshares, Inc.
Entity Incorporation, State or Country Code	MD
Entity File Number	001-34582
Entity Tax Identification Number	27-0950358
Entity Address, Address Line One	100 Liberty Street
Entity Address, City or Town	Warren
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	16365
City Area Code	814
Local Phone Number	726-2140
Title of 12(b) Security	Common Stock, 0.01 Par Value
Trading Symbol	NWBI
Security Exchange Name	NASDAQ
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0001471265
Amendment Flag	false

EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( &%(65,'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " !A2%E32M?UO^X K @ $0 &1O8U!R;W!S+V-O&ULS9+/ M2L0P$(=?17)OIVG10^CVLN))07!!\1:2V=U@\X=DI-VW-XV[740?0,@E,[]\ M\PVD5T$H'_$Y^H"1#*:;V8XN"14V[$@4!$!21[0RU3GA4!HF^8.+)+4DB0LP"JL1#;T6@D549*/9[Q6*SY\QK' M ( &W:9_-IM[W\J=K;'>]$DT_[OKC^\+L*6Z_-WOQC MXXO@T,.O?S%\ 5!+ P04 " !A2%E3F5R<(Q & "<)P $P 'AL+W1H M96UE+W1H96UE,2YX;6SM6EMSVC@4?N^OT'AG]FT+QC:!MK03621A'^_1S80RY8-[9)-NIL\!"SI^\Y%1^?H.'GS[BYBZ(:(E/)X M8-DOV]:[MR_>X%#BVR]*+ M41B1%G\@M MNN01.+5)#3(3/PB=AIAJ4!P"I DQEJ&&^+3&K!'@$WVWO@C(WXV(]ZMOFCU7 MH5A)VH3X$$8:XIQSYG/1;/L'I4;1]E6\W*.76!4!EQC?-*HU+,76>)7 \:V< M/!T3$LV4"P9!AI@S M&L%&KQMUAVC2/'K^!?F<-0HACA*FNVB<5@$_9Y>PTG!Z(++9OVX?H;5,VPLCO='U!=*Y \FIS_I,C0' MHYI9";V$5FJ?JH,@H%\;D>/N5Z> HWEL:\4*Z">P'_T=HWPJOX@L Y M?RY]SZ7ON?0]H=*W-R-]9\'3BUO>1FY;Q/NN,=K7-"XH8U=RSTS0LS0[=R2^JVE+ZU)CA* M]+',<$X>RPP[9SR2';9WH!TU^_9==N0CI3!3ET.X&D*^ VVZG=PZ.)Z8D;D* MTU*0;\/YZ<5X&N(YV02Y?9A7;>?8T='[Y\%1L*/O/)8=QXCRHB'NH8:8S\-# MAWE[7YAGE<90-!1M;*PD+$:W8+C7\2P4X&1@+: '@Z]1 O)256 Q6\8#*Y"B M?$R,1>APYY=<7^/1DN/;IF6U;J\I=QEM(E(YPFF8$V>KRMYEL<%5'<]56_*P MOFH]M!5.S_Y9KF4Q9Z;RWRT,"2Q;B%D2XDU=[=7GFYRN>B)V^I=W MP6#R_7#)1P_E.^=?]%U#KG[VW>/Z;I,[2$R<><41 71% B.5' 86%S+D4.Z2 MD 83 >LX=SFWJXPD6L_UC6'ODRWSEPVSK> U[F M$RQ#I'[!?8J*@!&K8KZZKT_Y)9P[M'OQ@2";_-;;I/;=X Q\U*M:I60K$3]+ M!WP?D@9CC%OT-%^/%&*MIK&MQMHQ#'F 6/,,H68XWX=%FAHSU8NL.8T*;T'5 M0.4_V]0-:/8--!R1!5XQF;8VH^1."CS<_N\-L,+$CN'MB[\!4$L#!!0 ( M &%(65-T:R=\,00 $ 0 8 >&PO=V]R:W-H965T&UL ME9AO;^HV%,9?WWT*BTG3)K4D-G][1Y$H;3=T;UM6NEMITUZ8Q(#5Q.;:3FF_ M_8X#)&P*)_1-8R!Q'I0F 0O#;I!RJ1K#07YO:H8#G;E$*C$UQ&9IRLW[ ME4CTYK)!&_L;CW*YL M[0/R-[Y)L;$';>*',M?ZQ7-C>J]_F@X?!S+D58YT\R]BM+AO]!HG%@F>)>]2;W\5N0!VO%^G$YG_)9OMN MN]T@46:=3G?!0)!*M;WRMUTB#@+8Q9$ M@M@.??VAW+*:^[X<&#TAAC_-JCY M1C[4/!K@I/)5F3D#3R7$N>%8OPI#IE \[22#->YU\:M-L(ZT6I-U32$%-F[4VW'_C9V3F()%$&S+6F7+F':YQ)3XN?G>-$/8*PMXIA+0^2^?"5('@&F%(SUOM3I\A//V"IW\*SQ-_(Y,8YI]>7C1 M"5N=/H)W4>!=G((WBF.8*_9LWR!?X3WRH"JKB"O2,(1H&!G(PGVP2 23AJ5C MAA\"'?L>3+DGO5&5WHG+/7-CA,+(#KRG M[$-H4VT=3\A?)^ M_E5'D)/I2BO,,6I$>JQ[SF@[Q(C*Y8#B/OXD';B77A#*?I[_0F8BR@QDJQ(+ M5QKK- 6KF3D=O9R1L!E2V'48\HTGFY\EUYIA,92>=K=@<^922OKAJN4L?#2E]GN!%/C3B/ M(#T"C'*[210JAGWHPV)1_2'6Z-62E;[.:CSX_V03:S,@JP7$96L!#_;K)[G[ M32K,TM?S-U!P*S_9UEQ5ND6-8"U::>X,]^8=VAC29L!<)Y"Q-_)%5$/A4B'L MQMH]RM!EAY5NSW"C'D$IX[R3%!R M6+79'E>W':?7^1%QKAT<.//F"H[XPO@7X/E":[?O^%-G\4^#X;]02P,$% M @ 84A94Y^@&_"Q @ X@P T !X;"]S='EL97,N>&ULW5=M:]LP$/XK M0C]@;F)JXI$8MD!AL(U"\V%?E5AV!'KQ9+ES^NNGLVPG:75EW8>QS:')W3VZ MNT=W)YFN6W>2_.'(N2.]DKK=T*-SS?LD:0]'KEC[SC1<>Z0R5C'G55LG;6,Y M*UMP4C)9WMQDB6)"TV*M.W6G7$L.IM-N0V]H4JPKH\^6E :#7\H4)X],;NB6 M2;&W8EC+E)"G8%Z"X6"DL<1Y*GQ#%V!IGP*\"!JP'.,HH8T%8Q(RA._]N/P9 M,&FM5X64,\$E#89BW3#GN-5W7AD6#\87$!GEW:GQ#&O+3HOE+3T[##\^R=[8 MDMLYS8).IF(M>05TK*B/\.M,DP#HG%%>* 6KC68#A\EC%'S8 Y?R 5KXK;J* MW5B'_2^FO-CT1=X=-8T\O1!BEHK'O;^RPF+-9O\R-%8\>2SP:0)P:?EA6;/CO9NFJ:]PSLM_D/.?K7/--;=,7I+VH_\W5_DMC)/Q]%PZC+N.HL?X;[:)'-M[#/)73)>UYN1]76^T$D7O!9QP<&%Y_J?]K-#]! SCMHHB*]1GA?H$KQBR'3Y8GKA/ M[I_X3O,\3;,,J^AV&V6PQ>J69? 7CX9Q P\L#V1Z6ZWQ;N,3\OH<8#U];4*P MG>*3B.T4KS4@\;J!1Y['NXWE 0^L"]CL0/YX'IBIN$^:0ERHY M_U=3_ 102P,$% @ 84A94Y>*NQS $P( L !?3T\ M$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:(7->=I3W;+T]!;X"O.DQQ0FE(2S,.\,W2?S+W\PPU1>5* M(Y5;&GC3Y?YVX$G1H2)8%II%R=.B':5_'B4?'D78FYJD6:>IK&HP=MX1PT$G53$ MWHI"/J:Q8;!EK '$NW2:9;/46PQFN1BUMIS> A(H!"DHV1%[A$O\G7D(GP&LK\,S4-AB.G8RF2&]B M]#V,YU#BG/]3(U45%K"FHO409.B1P74&0ZRQB28)UD-N5G0&3K;V",FXW:73 MYS;ED%34XDUO/$<=\*8P^O9,LQ\/A9RQ]02P,$% @ 84A94R0>FZ*M ^ $ !H !X;"]? M+7_OR4Z?:!1W;J"V\R1&:P;*9,OL[P"D6[2* M+L[C,$]J%ZSB688&O-*]:A"2*+I!V#-DGNZ9HIP\_D-T==UI?#C]LCCP#S"\ M7>BI160I2A4:Y$S":+8VP5+BRTR6HJ@R&8HJEG!:(.+)(&UI5GVP3TZTYWD7 M-_=%KLWC":[?#'!X=/X!4$L#!!0 ( &%(65-ED'F2&0$ ,\# 3 M6T-O;G1E;G1?5'EP97-=+GAM;*V334[#,!"%KQ)E6R4N+%B@IAM@"UUP 6-/ M&JO^DV=:TMLS3MI*H!(5A4VL>-Z\SYZ7K-Z/$;#HG?78E!U1?!0"50=.8ATB M>*ZT(3E)_)JV(DJUDUL0]\OE@U#!$WBJ*'N4Z]4SM')OJ7CI>1M-\$V9P&)9 M/(W"S&I*&:,U2A+7Q<'K'Y3J1*BY<]!@9R(N6%"*JX1<^1UPZGL[0$I&0[&1 MB5ZE8Y7HK4 Z6L!ZVN+*&4/;&@4ZJ+WCEAIC JFQ R!GZ]%T,4TFGC",S[O9 M_,%F"LC*30H1.;$$?\>=(\G=560C2&2FKW@ALO7L^T%.6X.^D&PO=&AE;64O=&AE;64Q+GAM;%!+ 0(4 M Q0 ( &%(65-T:R=\,00 $ 0 8 " @0T( !X;"]W M;W)K&PO&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'-0 M2P$"% ,4 " !A2%E399!YDAD! #/ P $P @ &$$@ I6T-O;G1E;G1?5'EP97-=+GAM;%!+!08 "0 ) #X" #.$P ! end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 11 FilingSummary.xml IDEA: XBRL DOCUMENT 3.21.2 html 1 96 1 false 0 0 false 0 false false R1.htm 0001001 - Document - Cover Page Document Sheet http://www.northwestsavingsbank.com/role/CoverPageDocument Cover Page Document Cover 1 false false All Reports Book All Reports nwbi-20211025.htm a2021-09x30nwbi8ker.htm nwbi-20211025.xsd nwbi-20211025_lab.xml nwbi-20211025_pre.xml http://xbrl.sec.gov/dei/2021 true false JSON 13 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "nwbi-20211025.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "inline": { "local": [ "nwbi-20211025.htm" ] }, "labelLink": { "local": [ "nwbi-20211025_lab.xml" ] }, "presentationLink": { "local": [ "nwbi-20211025_pre.xml" ] }, "schema": { "local": [ "nwbi-20211025.xsd" ], "remote": [ "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "https://xbrl.sec.gov/dei/2021/dei-2021.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" ] } }, "elementCount": 23, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2021": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 96, "memberCustom": 0, "memberStandard": 0, "nsprefix": "nwbi", "nsuri": "http://www.northwestsavingsbank.com/20211025", "report": { "R1": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "nwbi-20211025.htm", "contextRef": "i2fb6997bb7ad4f678de068ae7d6026b7_D20211025-20211025", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "0001001 - Document - Cover Page Document", "role": "http://www.northwestsavingsbank.com/role/CoverPageDocument", "shortName": "Cover Page Document", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "nwbi-20211025.htm", "contextRef": "i2fb6997bb7ad4f678de068ae7d6026b7_D20211025-20211025", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One", "terseLabel": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town", "terseLabel": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code", "terseLabel": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province", "terseLabel": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code", "terseLabel": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer", "terseLabel": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer", "terseLabel": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security", "terseLabel": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material", "terseLabel": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications", "terseLabel": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "xbrltype": "booleanItemType" }, "nwbi_Coverpage.Abstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page. [Abstract]", "label": "Cover page. [Abstract]", "terseLabel": "Cover page. [Abstract]" } } }, "localname": "Coverpage.Abstract", "nsuri": "http://www.northwestsavingsbank.com/20211025", "xbrltype": "stringItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 14 0001471265-21-000139-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001471265-21-000139-xbrl.zip M4$L#!!0 ( &%(65.4_$;$.(\ (UF$0 7 83(P,C$M,#EX,S!N=V)I M.&ME[UK%ZW7I?O_M>/O[_] M]'\__&2=EZO$^O"O'WY]]]9ZO_">G%>EA>GWWY[=74UNZ*S+#_[]M,?W\I'L6^3+"OX+"JC M%]]_)_\B?O(P^O[_^^Y_G9Q8/V:+]8JGI;7(>5CRR%H7<7IF_3OBQ6?KY&3S MKK?9Q74>GYV7%K$)MOZ=Y9_CR[!^O8S+A'^_?Q%CQCAWV!)C&C"/>W/B,6\1L3D. H]3]A\L%OFM>'O]F:*\3OC? M7JSB].2+#]:_U,^X]J>1_ ME2=A$I^EI]5^7M0?W;Z\R)(L/_W"KO[OM7SE9!FNXN3Z]']_BE>\L-[S*^N/ M;!6F_QL5 H.3@N?QLGYC$?^7BS6)Y57_O*K7ZXGG)''*M^O'1"[ZI___EW<_ MO/MD!<$,WUWQS6Z>;TGLX)*^_@*[]NM[BSE N(6 F>[#'S]]_&C]\=.O M/[WY^)/U^\_6^]__^/3+OW_Z^,GZX2/>@*QW[]_.E-_+3V_^>/_N M_=]OMJ,V)XQ#HY]__\-Z]]MO/_WX[LVGG_0@U(W4"O,S(;C*[.)4""W!8V4X M3_CVU7F61SP_$6M-PHN"GVY_>1W%Q4427I_&:?6-U8=>;YXUS\HR6\G'O;[D M>1DOPF3#R!5/UR_?BL>978O(4LC%,MI^\^;E6?72MV5T_S5_YF/ZX*OV##_X MVJ-/]6>![S5Z[+?5BNM5"\(4%V'ZMQ?TQ?8#%V$4"2UU2B[^LK"@Q+Y=B6Q[&N7@RLC[DO(@C:52$:23^'O.E]=-??+$NXTMN_;Y6R]]S%Y9'G%/ M"&;V'>HTA-^61'HQ#8K^.TZ2.%Q9_YY9OX3Y);]&UC_R&1+T3>,LWR'?_Q'$ M.TCAG^,T3!=QF#2F\+>5;%%=C*JBK=]G>7E^Q8O2^D'0N3@/!0;"T$@7,^M- MFF;K="&^Z]-YG$?6/]=A+A9:&\L_A7DJ6+"HH-J\DEQ;/\:7$L%(;5TVSF+^ M'>8YEX*$IVEQG5R&:1Q:7W_A$TQ>6[\ORFS.\WK!Q$$UE159>7->_I]U4<;+ MZUHBQ:D\S*?4O7A^C^3>PK'S.'>_+,^YH#YEK]]F*R%?KZO?7UDOWX=%%/[Y M]X^5>K/>__N'=Z\$D]='(;)27EIQNLA6W%H*"28?\N?F7 BV%V_XR"]*OKJ! MDMH;*+.E]25U9MA:29F8"3X0'__2GA'/NA ?CN)D+1W5:HTS2QZYPLKYA5BP MH*$X9E;$I3-;\/I),_O.@[Q9\!42JD+L)!=/*;-J946XNEU>$@HR7/,P1];5 M.4]W=W(5%N*1_OW%4?N!Q7%)DK7 _+_BSSDOUWE:6%EJA4+UA&>\?N=YE@AC ML*A8W'MM\3_7<7E="8SMV\*BX&)S[2AYQ7-N"6/._:IZECT+O*_N;#V8^:1^ M31ANP5TP=GD>"GX08/R0A4+8 M"R;[,4:"+9X MGUWN((FWXDU@M\^+X\MYYET0UY89&EQ=;\ MVAZ*.!6R(5Z<5T3=,LJY .,BC"7Z=S"?":%:"*80^,JW"V?NLQ IEV&RKF34 MSB/^=R'/YTJ\L2BSQ><-N@^<;R0^N2?[TEUI<\-RUS%/*L8++R[R[*]X%99< M\*4KG+4N9WIH^NNH5&WIZ+Y+!=:?93RU FHK0F2<%%FM?*B??D=6F@G-@FI- M_&]>"_>+A%><)>4#YY5H0E8XE]Q0L=5=P+_$Q+E5AY(A/GSX8"698!LA^<\$ M?Z>\$%J(>:^%2,J6RZ)>^(;I4?56P9'KLBC%LN3&SG)!JOUO87LZ5[CV3'": M((=TQ\KJSU]B;T9VER($9U'$RUCLIOZ:G"\KET8>G'6Y/2CS,/V\.7KB7)9Y M/*\4[D:/?TF%*KYYZHTA($YKFJ5"X(IMKN2R-^I4/$>*W;50W%+4_+GFPH/B M1?7D.!6G4SPVYZM0?%X(IVNQL"MA[4L;0\"S3K:+$M\@ODCLS(I7@A*7%<+" M?+KB-T^*ZD=5<&W?G&2%W*5@KDM>U&JE G6^CL6CUQ>WFM>*UKE<]MO?_\^[ M'T]P,*N8H(<3H:%ZKD[6;_GML=FA<466-TEYGJW/!'^%W3^22W&6PX5@$WE6A!EYY^0(3M[_/G$< MY_%&Z-]^]2J3Z^>+W:\_#R\K_I\763Z7=LK>T=U92R)D066D"'4DB";.0/6U M@JJ"I.*Y0EH(FA5B"=QZLSX3#"*7?\NSX;US(@A_5FE]>4["Q[A.)_77"AQ2L579]HL?FEL$'J)U:PRY4O=Y1\(;<@7[G=A!05M^S&EV*A ME56^6&_T^_9[*MF4)?5!;:-C)W12:\?RT%G;R.6:__==/59Y:.(L?AGX,W;# MCJU<'V0M\VPE&468EIT>(7X*2_Y,GHJ-: C%@F;^G:4&,RR6NJMF]KW6QH/M6RXH:\EG.1="2$(\4:Z5HN]!0GY M6UG8=TE2""RY M;5Z6-R;?8QCO;:@.5@1WCX([(S6D]P199=Y4[M1=!I$G4'Y@XV3WCSZ9BT_*3R1QI85*:4&)1\N(32<0 M[!DC;4%XQ#_DG'B$/:.(&]4Y_52IU5+J(GZK46LE7=SAG)H#=H-*MP?\WMFZ M8R+5MX\24U*%D#H=+.(^&5\R6$W6-/M4G<;L,BZVZFK'5>#%GN+$>,>#JL[_ MUM@45EN<1=L/2\G"NFK2.](BW%G=C2 23W=O]6*['T;*1G-K$]9&2;W/<^[9/;H MGI[%,G!26RC49WLOTIDG3H@\AM6SJP<*E[Q\_'A\R1QOS[9@,^*T>)#=*I*C M%ML_]%/##;V_[YSM<=.M/5K!+(!C&V8BPQUQ]+IHDZD[,,==[IO M?N=\F0C56;MZMXYIY?XNP\LLKV+S@@R+C5E4:3 I@:(PO]X86OM.NGB/L)D? M9.#=;,;[,?']_,;;G*$J_<>^_8CTX^6-TX,?>?;;\Z#1O>A>EN/NS_/\-EGC MC)_,!2B?3\*E6.IIF%R%U\6+Y\\%'3>^?=_ZBM-BG5?:3]X&Q$51QSEN#A:Y M#7+6?JA?N7[R8#&&Q&H[G:F=IW;3XK5IE]Q<:MQN8R[3BN6!V@E/U4?HYAO$ M9ZI+*^M7H9L51U4<<^N]Y3) )VF8 M2=ED+6_2A39T+G89#.\9(Y3.W UAO2/IZG0E*]J/*&ZW5[DY0C:>[VQRGF>? M-S?GD3!8,R&HM_N<'9+4!RA6TRD3MG18[BDVO'?^7')#'MKQ$-T>0KLCU]UR MW!Z=JD,C_*LJY"F_).+SN*PB-1O#>B$OLB^%)ED) 5R=+!FY2:4R*GJQ*_MV MR^;AXO-9GJW3Z&0CI9?5_[T>P\[;>D)[AI[K24F\N0#;AC1]MZ/=LN4/\8!N MEM..@S!.G&)?0!V*6H7"G/J?+)?9+]LK@P.$7H0E/Q/ODLSY(<_$F:Z*5C8O M[RF(N^8VMF\T)=X-#1\BS>A,UDEM.5T%R)C<(=3:;UQH^=RJC&!YMW(0S#U' M7*:XRP!\S4DW'Q'"2P9"HJVQ?AO@/'0I%2[^7,>U/2W_]-NZ7(?)SW$N&.XF MIW:3"O> ZN4[A[^XITIJA>'M10G<.JXKHRMBT6'U[5)Q\=5%DEUS83+QE"^W MT=T[UL0=O7?.PZ2ZG=N:6KFQ4 MHUQX48U&9K5]/A+@VVDF//PA%/6Z?+=?6@S;7Z M/MY['Q'OS<.KM+:RR^K6_C;2O1*$J@PD\?;$$O)'W@17$:4L%719+RHB70C_ M=YF)+:FI*(<,0]^-7&[,I3+\JSZ1.ZIQWWTAWLS9"F6[8RCQ1C]VO>_;Q@5V M^>/.'G9UUGW.J_.N-F%X>8DL/E0G#RRS32;XYC9Y1QJ=AS)7[*PJOB8.@R\SC3?WH8;S(V/9#-O M\B!E(J6DU6*3NE?E4.Y\Z#/:)!F)]\M*U@T+U3KE4'[Z)H#V.4IA]42$RX8J3*2I/^X=::E,*KELOCT M-OXF3F$D9%-1N4M7/$FJ>/D]K2(_>U7K#D%NP7.5TWGK([UY///P=ENU@R2V MC%UR=V=2A*Y3:+DG)3G>96_LPP7V^M$0X^PI=S 'JLLA)295WE NMJ72<5!\@TL:NK6;I]]TSLH\UA'_Y,JEGF M;3R6;3Q6WGZH2X(3(N-@)&]YJ#QE,C6_:DP7R5H**E1]E4RZ36)A%]TS M60A3\,762+,I@7/*SKD=^,386&V54C$"YE75']^?\J6EF=YN'57*U=>&FE;$TDZGK4/4*8MS*)P$F0N[R>SA>9Z)Y:QF5BT#?[NUW&1B:YI9V5P( MOIH>5<*Y<,@J3V%]$KLT5:\:NSX4-_;T MQ_6\B(5/( /%"MF=AS?T5DB?+(FC2L3LF K9;F7_VQL=__)?:2B$A7CSJZ<: MD&R.#;W;_F#4S;Z,9+>3?"/&L[5XEBRCX'\MA+^Y4Q@I5-Y:$.')+6YZK!S< MGS9=5UPVPUZS_BAM'BMK)?##'WWLL8^_Q@(&BVW8)V>0CB8UR]\KHZW8L^^# M[C]USJLSL)OZCZ1VD<&C%HUPID:/'_EB0PZ\)8=M,#D.L4>K3D#W;V@7"R[L MZ]>MR? ,G7_V:7"X\<^;*EC?@ D>W.M&ITD=*+9J55:$M5WW(X2H&B".PPZ' M2;$7U^E BA8'!"\5!Z0@=MHP5I)ML3/0:LSN\$(CR/!Z*4-5)G M--0Q,KY8YW6^17@9QHG\X\DRRT^JFHZ7H2SUJGJ,;*O O\3(\3V$;4?V\T'4 M6<:7/+E^]: ]^I@@.T!3/029)!!%'FYK%AQFHF=5 M.$UM_HGB1 ,?!0P#3HKCQ.P 8<<>#Z>INZ>'%<(Y3R+AQ)^LPG)=E6>\7(9Q M?MO#\$M7X.)Y7M78+4"NZV[4@(NPZ_>A _0U9K$OI LXAFJCA#T?^3XXAHJC MY"!*J;)^82O%X\T\1V$]L.F-\E"PLOKCZI"N.,;";QQ\UX-=*2(!04YKX=_A M*D(7FW-B"!-$,9,>," \681M'R-"B:((;U327FJE7T^]?Y$-0S8#Y+I+ M;&TM XRH8R/*?+#@%,>)N1[R*%C:RN/D,T3=$1-8IFYLR\K/]4H.0C#/P,;( MQR[R6XL!,-P&SV.S/10$(UZ] DX-Q;6';%__*W*%Q?7!QI &VMK"FW,):RN\P=;N(KP-M+9]3[ 7;IO( #;3/#3WM;6)QUU?Y8NY)K>LJ,MY(:/ K=CZ!M2$76 V/%MY+>NC :( M-8+8\S'R'<7332?K(;QY>/"L6<["2RPK^ESO7K4>&*#*($098@004A@A9B-B M!Z,@9)!S\.N>6X#D]!SP#7:M"ML/!"=V#-6#X:@#Q(RY0AVH:C@"Q#U [#(L M_M?Q@@!*T> 9;4O1U&O(!4V^VDN.GW_Y]0>KFG.&Y/@PV;_+K%0%S)#CMFWN M ??? U?;8.1!XK;J(%&$O1$S?B8??UPL\G4U0'0[)>RXRRYM8R?$10%TS5(< M).H@QV$ DMH@B9.$1\RPG[IU_<=.&G!VE?+HZ/"C?CSFVY!=JC9"I'L/(\!H M,(P<#RKMGHV\'W*^BHOM_/D_U_&%G+'875IK:Q%@QQ&N-B28*HZ2BY%#VP9$ M *6A49+F-72T>#8"_Q"FGT\JN]I*XJ6<^5VL0B MFXUXM3!UL_KW\ISG\IHQ3,]B.<$AK"91&QB[QDQP&IALBH,4H "ZQ2D.$L'( M[9IC#F9U4YE="VJS3&OL!(B-&64#HZU1+-1'C@U-XA1'R7,GT2).A\JTNFW% M88G]O.4KA\@P)M=]^7S;5_NT,41E[5WKYO10F*6-0*7(MUU$H/7*E"'V?%_ MK.HI?@;79\%E#KHRJO37.)S'23V.6B;P%.=ASL^S1-"U^/H+GV#O]6;PP8.N M40-Z[ !%!111MI:QL0>04IIE#S-JK^8QT%-1>C[WM$%U14,G?)[>\)2XL:F6 M!XH](\6..Z&:Q2W?9^FVGNUDSL-50,&>ZCC)/B^$0O;#LY'X74MU-/%[6Q00%U'( M6U4>)\]Q4.",./H8<&HFP%V*?&_$9B93=RE^RU)^;:W"_#,OMU+;"A<+L273 MT3$=2[WY%<_QSJF'('_(\CR[XI&U%'LP+ ")B0OA1_51 M<@+DM4ZJ Y0&#CYZ# 6M[_0@]-C\KF@MC;0X#4LN\[/FIO7J)10Q'X):ZJ-$ M"=SLJX\2\>!>_]D(_(]U&F?"V=T3V3PMUWG' >K:&@:8^"CP82R&^BAY =SP M:X!2:_4*1G;SL7/1I6RI7ECS:VM>1T;RPEH*65Z&?VT*[H]KO*ZMT2 'T;6N MC #+;EB0F(,(A8$F:H-$ EF_ M;WLPGQ_=FA%^%UY\&AVMH*#MC1"EGCM@B_*^)(GM_9A11%O$EMY*L,*P6\Z5#$/7I*S!C506(4N2P !2%B!"D... U!/#H8^"88= M1ALW,)>FEJDD^!$CK_70];;4T,@@GA["U$>>W3&W&1#6 6'F(4([EE>KEVPX MH=3VZJJYN29ZWCQ9?:?YMMZ^V@>6"3]*ME2&#/#)9H!3Y-LN(JT-*X!8(X@] MWQN:O;-?*G849>MYPN]M>.Q>UI-=99]6& X4ML%^JBPKJ\RLL"BX M:6/QL#WSQ^EV/,)FO^I4JV%T"!+C&1ZG;0CPAR;\T7JHU$3XH\\(N=(:\E.8 MGL728%C4&?A\3V-^8U9NCC^CXTS]'IWC(=VD$7NP<5*Z@3WT8 ]GG"&,H[.' M,1[E#UGVN:Y*LRYX7H?SCS&.IAF@$,T#8>(SDC'1!4PMHQ_6TI)P-^ MOVD5*GYLOWKS#2=2])X*[_JF9BU.(V&LGI[4?QN<;D32[9N::O=__O37(EE' MXGO.LBRZBH61735*K9I?Q&FYO86HD\2LEVF6GOS]S9L/KV9W6Z;NT&'SO117 M%+C(BJI]WVG.DU V6WU]%4?E^0;.W<_5M#ZU;S\2SHLL69*(*^B1LT M(B[=:Q^[\U,N-H[^]B+&C''NL"7&-& >]^;$8]XB8G,B^UGSO-; MECKC)_.^O=$B"8GN/ MHMY!BK[/\O+\2D[B_"%,%W4C7U0S[+MT,:MX].-Z7L11'.:[TX14W=#;+*V* M?:K6,A]+\9^56$XA;2*QH4RXM2__E8;K*!:OOWIP-ZLP/Q-H;TX*O2NK1]W? MRRA+DC OA,RPRO-L+9X5%RLFJC*8 MA?R^BX*?;G]YO6U8%*?5\JH/O;Y+,7DX]HUB^7WUR[?G9F;79V=CG&^^>?/R MK'II3^_4KS%G9F/\X,OV[.'7'GML,+.IW^FIC[_& O8,:V6.H\U:=:*K5FME MS9[ZA O\NSJGK/5HL3W:>Q7<10E?)SM?Q2JFU>1&VHC:3P2F^ FR>)- M*/!8)>RDJ?J/=8-6F]QLUN]8BP$5$:OH7VF.3^+R+"PKSQ3JOVFD/GR0Z)ATJP=I*WY[;*V@\[!01H8H6#0VCE J#U"P_:X!83::U!N<@A(6#\GRYSW:?YH:W:[P_;F <>H?1 H&+0S#R#4'J'6E\J T,!2SG$! M(<41&O$,F17\^?F77W\07YDM/EM1?!E'/(T,B_F ,Z0X0)A";HGB".&V&A40 M&ABA8?L6 T*M$2)C9M"9%?+9EAR=\#!/96.XB%?=?PR+]M QKUC!#WH6J0T( M#8R0/VAG.$"H/4(>Q+351HBT;EFL:+2G23O<4:^ZLC),9'_%W8+K8X(]C"6>;KH^EWGLP.ZRJ/K($4*8L/080"/LKBXR)_*DV&- R16>%2_-NZZ-DFFJHQ3SID=8.SI@N^$$N; M-+S8=I'=M?$.X*L!O@["K6T)P%<7? -9"](Q_1M":3V8CUFZ9SUV+\5OZO(8 M^@P=CN,1Y=J*4KWW9YA5F?3W,$Z__H)YKU]*S_&5);S)(DRXE2UWQA@95K'T MDKG-0T^0OC\P.,)B!'2418=@ $=5<&">E.( O<1DE-/SA,D3Q<5%$EZ?IEGZ M!)[PSN=_IUG-@C[R_#)><&MQ'N9GXJEA&EE+;EK6!Z8(!S!07'&0"/(8M#U1 M'B3:>O(I@#2XN+,] $EQD*I,1&630-0SW$Q^)X"ET3O-BH!_RM=%6?D567G. MXA[,/,,-4Q8A1B>FICY"+F0]LNM3&2*80@ MZU3'B'HCMI$T*^KZ+BW6N;""N-CK:A4759;Y\5/>].,ZB.X H\$PLEM7O -&0V-$:<>>9*I5W:EO AU(C,QYF%B\*,.26]E5 MRB-DI;PT*RQ$&/0W5ALA[$*W?;41>LG&2?,"<)H&4-B^48F!5$4M)Z* .[1T!CY M&#!2&R,7V03F+:J-D84B(-HZZ&L !(<)4 )4 *4(##T!+E_KZK&L@N>AZ6Y<2'B0UZ0VA@1 MY+*.?78!H\$P\EO?C %&@Y^CUFT/ */!L]G'+.CK,RRD^GR23UD9)E9ZK\WT M,:&@B?5 )P'"?L>+6F5:W/?H4DT,7HBE'@="PQ!'C5AY<@ M3 #>R<+K(M?KF,BFWOR1PS:JRN;A[OP1_M<%3XLC!I T]6D,?88.Y_&( 22* M4KWW9YB55/ V6TFI$):RQ8CLPL97%TEVS;DUYRE?QAV'CVA[>\,"9+O0T4)Q MD'SD0Q=AU4'R$(%:(-5!\A&Q 23%0?(0]:#SR$#4_I#S55QL9EUDB\5:;'=Q M+39>F#:(S4,>@_ZFJF/$,*3)JXV1L%:AJX7B&'G(!8P4Q\A'E$TDK4!],^CW MY5(._MHD5F:I:7$@A*&QJ>(8440Q5):HCA%VV_H0@-'0LLZ&&)#R&+D$FHT, M=BF6)'Q163W;6W.S(C\,6E@HCA"UVUJG@-"P"+D82DG41L@/X RIC1!&Q!TQ M*F=6Q.=#GBUX4<@BVHW18UC,!U/D0$!!=9 ^](+ 3]_[(5,B5ZO3 L'"?<(BHQ4 MQXAV;0X!& V'D0U15=4Q)]P*BX*;UA9(^+ $_"/5,6(48D&J8^1 XR;E,7);)]T" M1D-CY/G0$6@@8O_!P\3B11F6W,JN4AZ9610&M^6* ^1#M$YM@#P 2&V QBPV M H":V#UC%B:;%0'ZC>=G/$=UN,>*XJ+*"MJVB98=Y?/UHESG.]G29L6$1A_T M"9Y2$Y%.1ZR> (2:^!6 C]+XR#[>(^:= $;-8M^MVU="/.BHD=.F5H@1 J.F MU<9("(,QQZ\"1HV2&2B,,58>(X_ R':U,1I3&9D]9[J'F,_$AEWZ;H?R^;:D MT,B-FAZ\M&LP">#5 5X<=,RI 'B5AS<@R&<=0XT K_+PBM/KNZK"VV=X3'5# M\5VZR%9R>NPRR[D5U_\JP[^."Y1-C%N9@WRGH^>BC##JT>^<&+PN$XY QUP? M@%=Y>!TL3(F.[9T 7N7A90S1H&/\'.!5'UZW0Y?GH> U*\7LW8UU:&8&&;:1 M!^50JH/D( SY+ZJ#A)';>B(.@#1P" [1UM=U@-' <33$W!$QZC-21NT94=P M>L_+38BL-TOT:9Y3C0A?/M/>E3YGU$&VVW'\5+/]@XJ\%:2&8+WDX771[:C:O!^8_YN%[)9N%]AU[?[TN 9._NE8D=1MI;] MO_8W?,PWP"IAE8.LLB?'4F4_ZH>PB!<6#_-4++BP+KB0(^=AWMJUG+X#J8^; M:,^@ D%Q@\*>M;X= (@&APCJX52'" 2=\A#1$6?:]909H;(=\V.>ZDLV2/!0'B+HXZ0Z1*U-.(!(>1-NN.0.V6(P M":]/TRQ] E5XY_._$\#2Z)T ED;O[..2KVD@ IX!SWB.9Q@0C7F3IFNQBO]R MV>RX7.>I)5L?BP6&9]SB?Z[C\MJL:A5_YK<=O]:/\3C"7K]Z$%KP+1XJP2 S M9QS_#_A#"_ZP9^XX(XN /W3@CV!FCQ.; /;0@SU:#U&>"'L8D+KVJ*U]Q+Q9 MC>_:@W$:FX[.[9"*T<26FG4M0 'V,((]NC8X ?8P@CWL<::H 7MHPAYM&VE. MA#U,C6J787H6RQ*:1;9:B7_7T6WK&[/BVQC/6K=]FXB+"1&()OSASERX '^ M>) _V(Q"@!OXXY$+LI$RP8$_M. /.E8"[>C\ 2E1\ S=GV& \_C3>R;JS/]Q< M-V./CHU;@3V,8 \&[ 'L\0A[C-,E#MA##_:@)J=%?5N&\X2+_T;QY???B1_; M)6UV=R*MZ5/L;U&,TXBGY>D)KF]QAMT$D9OXID;K_L^?_EHDZTA\SUF615=Q MDEAA&EE9>A:N_C47C;RS+NB'GR*3:+(WBBDC; MIY[F/!$KNN2OK^*H/-\<\]W/S;.RS%:G]NU'PGF1R8:$#WYD1X(MN/16^Z9_ MT(C^["XM=G_*Q<;1WU[$F#'.';;$F ;,X]Z<>,Q;1&R.@\#CE/T'VR^V'SK/ M;]GNC)_,R3U#I+TO6#A\RL9?/A!"(*J!66!:K'Q+EW,*A[]N)X7<12'>;PSVEW5#;W- MTFI:0RC[:WXLQ7]68CF%/)^;(:0O_Y6&ZR@6K[]Z<#>K,#\3:&^."KUKL(RZ MOY=1EB1A7@AI8Y7GV5H\*Q)BF_^UX,+@N.DC*H736NS[_A:%(2/U^ZTTJ#KL M+^13+PI^NOWE];:A39Q6BZ@^]/HN7>01V+-E*C+5+]^>CIE=GY!-4&_SS9N7 M9]5+>Q96_9IKSP*?/OBR/<,/OO;88[$W<_##'WWLL8^_Q@+V/(LEC1[[1.#T M26,^N/?6 ]9ZS?S[L->(/[=6OG_ MYQRWV7H__/2'PI[0+H6JYOUW(2.,AFT,]7[9@D MM1U$R#A%27TJ.4T$W&_"+3ZK8@)B7\*B+/ABG=8SJ*:-#:]OD4_E7%3^+T4AC$,KATK'305BEA%'@CJB0P'!IAY.!Q M"AD,-!N$;#A9YKQ/X:"O5D+>2)W-P')HCA&SVPH',!PZ$OOG7W[]07QEMOAL M1?%E'/$T,LQ>H&2F6?Y.'>O0UORJ7^7!E__V/QUB7VOHSF"$?AG(K M#A()$!YIY(>!?N=E+W&OQKG;^O H"1AR[;99-JT( MH9$Y,S$!1'P?^:RC1:J>!#IL"JDL>#[DV65*R;( M[=I_#ZR6'@343L_08PMRFVK5,9]A5H#^[V&PF%7(B2R$M\L5_7K+WR"R6NXU%<:)8RH#7?Z M Q'[(\\OXP6W%N=A?L;KOH-+;EK%&?41I9!-KC9(C"!GI/:Z303#MNM=FJ5/ MX#K4.Z>VX(D99)_RM?#";]L*+^,T3!=QF%A%+92+'A+Y]3OF!"-LCS,C&6RT M%MU=B-TV3@M&6N?L^FVW;2$.5G%1W2,R?[657:4\0E;*2[-L".J! :$V0B\)L4?)&3'-T,#[-L"(8\&T(]:F-$D3]FM8U9-L2V8VDE(&0[$1.C M#I@BSQOQU@&,AB:A(8;(F):=6;;#_H7Q_9E?9AD.Q$$46@XI#E*W*WZP'3J2 M^_?JYB*[X'E8FFHZ^,)R@'"#VA@Y** 3,1Q4KX&H2\/3>XG&4.9PZVQ@!_FL MHRD!90[JXVO;"'<=% YE#OV6.1S=D:RIXH0ZAZ'@?9NM)*;AS2QDOKI(LFLN M/%.>\J5QG7 Q+1*T54 NPG[' M,3I@) QVU^V-63]IEI'P,X]X'B;;$7P[27(7,OZX7AEF,U#D,S 95,<(8[B& M&,Z+6/*J8G>GL-\LHP$+AALSM U60Z,L1G],R\XLJ^'-*A-K^6^=P%"EUI=A M>A;/$VZ%1<%-RU]@B+(12\;!:&CD5>"@8T8;& UMB?W'?@V_F5<2Q&GK2H#5 M,#!"P40F"Z@O$W[C^1G/46T@6+)]F@PX;#,@9:IKOEZ4ZWPG.&F6%>&..6T> M;(AFCJ#C0,/GH7*W4@@,R,GU$-.UZE\FMHV^H'D(\I& MQ*A/^X3:,Z*X2*@GN1[J6])9-C_-*'4796N:G[&_XF&\8:94&-,#Y M(2SBA<7#/!4++JP++KCJ/,Q;*[/IJRQ]%),]:SU7 ZXTAH:HJT>OD-.N\O'^ M,4[6I4R'ZB[9FCJ JFV]N60[M$/%CTT ?94G)]GZ#SX<91DW54RZ/V-J4S]A MP<^]X"D8!F_2="U6\5\N4R'+=5Y-+@C% N5@$_[G.BZOS8KI8WO6.HC5C\0> M8;-?=6KL:K1"I[.1)FF.SAX&A'\>E89'5)AIZYCC&>X8T=>=VR%NT\B[:=VM M?2+L8:II>%-O*R=JBW_7)J+UC6%&(IN-U.!K=,8'([%)CMILI'[EH[,'1)QZ MBSA-08?\)/M%QUPVD*\:1EO?&*8I7&?F&RH*0%,TX0][YHZ3G3@Z?Y@53SA0 M0V:5V5YP08C';O)16P^2S.@XR1FCLS\$&!JQAS-.;_71V:.2CM^6H?"UQ7^C M^/+[[\2/[9(VNSN1 N\4^UL4XS3B:7EZ@FN#>]A-$+F);VJT[O_\Z:]%LH[$ M]YQE6705)TD]7ZBJM;_7QLMZ*<3ER=_?O/GP:G9#%7UH\(WU-!6>'!*.K/"I M;F<5"5?M^YMTH2^=.?:8[WYNGI5EMCJU;S\2SHM,IFH]^)$=";;@TJ#HF_Y!(_H[=VFQ^U,N M-H[^]B+&C''NL"7&-& >]^;$8]XB8G,;']T'E^RW9G_&2>\_#S M2;@4^SL-DZOPNKA+A56XG%0E-WT3&=M[ M5/8.4MEZ+]CZ_$K:C#\(X5 E[!6H%B7OTL6LXMN/ZWD11W&8QSMUP!IM\DUU M&O\I#>7RVGKYKS1<1W')HU" 3:GA]ZU853;WLLH2Y(P+X1,LLKS M;"V>%15M]K;YB\S4KW=1&06W(J3*XU_(+[DH^.GVE]?;A)8XK=94?>CUW:?+ M<[-G %5DJU_>'*D@F/DNEJ=JXZMMOGASX&;5@=NSRNK7F#WS7/K@R_8,/_C: M8X_%]LPF;J?'/OX:"YS>%RN(YWNP5K.90"Z6-EO0$T&1EK&/^B _MX5V3^Y5 M2OBPV]9N3QM9KM"N/O*+DJ_FPFFA-I+&!;$);K')!I<(6M'C'^N4 RFV,VX6 MYQ;%0(L7W__(%YM30)"-1QP5 )?43;*!NW;& 82&0JCUI%] :& Y-^+D50"HR1%" MF(S81L>LQJJ_R+:JF]*:@R;8#0P"K5A=F0:B.$ M6\_I X2&18B.5,>G9[\& 4(#(V2/T_H'$&J,T 2Z)FMC\*R$N;.0EZOYSI!Y$X-S&"/;@ZE' MBJ-$?>03"-$ICA)S$;4A"*0V2L1&M'4;1 !I:'\"N7A$>6=:_.?&'#(Q N0A M&Q(6U ?):3WX$4 :%B1A_KAPD-3&"+M"VD$H2&V07,3&#'D;4+[V*2N%M9,^ M4,36UN0\;CZH:K1I/6.K^?:5/G68$N2SCO,@GGTNZ@A^X\3&WF+'10%NV^(> M\-4'7XHH 7RGBB]UD4]BBMA6% MUX7L<>P$U:_=^SQL*/.,@]6;^HZ&K5('(7!$'3W0$^BI16,"K5-G>FA, +/' ME6/KH&W-.UR(#QP1ANHOM0&25:YM[[X HX$/$8.\'\41@IR?@2C=3U,";6]8 MZ9CM+^ .O%$*(/1A4ALARL:9Y@0(-49HI'%L@%#CV<)C)C5"2P*-WFE6F+&' ME@3:.D'8Z9C# &[J4+8IA5H\Q1&"9DR*(T1M")>JC="H4LZL:%SO#0FT=8B( M#55>:B.$D0,MTA7'*(">9HHCA!'#;9-= :.!;R.#MH[X<,&YR<5[>FA!H*VE MC6V(^*B-$+-';!T,"#4S2UO?=@%&PV+D0_Z5V@ Y(P)D0(G5 UT''BVT:FM[ MFMJ+H/7VE3Z(OM_1.52FT+5'SW%BA:X$.:VKU %=7=!EB#H=LZX 7>71)KH\(#3TK>*(F6YFY5'UT]9!V_MKS""12FV$Z)ACG0"A)A=8,!U-<81P &=( M;81VCKH*T71 *8C:8Z0A!)4!LAET'EJ=H(.3[$2]5& MR/-'U$-F1>-Z;^N@K4/$,'285QLA'$#UG.(((=^#T)S:&'D8^HZIC1!!7NN> MJ^I5.>IG !D8\<$>-,A6&R$"(3FU ?)0T-IS (P&]NV@R;S: &%U>\Q/H6SM MZ:X.]XO7GFW \<1R[EMO7^V#B)S6%Q@PP%P;,8MLVO;R ]#5!EV,7*]CX #@ M51Y>@FC7)HR KO+H,N115<^N 7W/'FOL$&QLXRR7E:>\>U>'#5DF797(.B.VQC0K0M=[VP=M MG2/B(,<=<8@Z>+!-0*(") @%*0Y2@#P*[!V&G*!C M6S* 5WEX78SLKCVS %[UX0V0YW2<4J!>-XBI]$L[HB_'$W7*$S.$V^]?Z=.( M/1<%7<=VMBI6UR6L<"1G*X7Z$C0T='^&AF&47M]^_VN>QDUW#&$#XL6_5AD4V[2)B[ 0A%QS*TPE_>,DL2I[ M66S&K-Q2ZD/6HN((=>TH#P@-)=P#:-*H-D*.#SFE:B/$ ABG.A"IWV?I!<^7 M6;X2:S^^GGAB>1W8DRGHQUOJD+>C)K[$]I#MJIJX _@>'RUC"#O'QT,!7S7Q MQ39%#'9P1 =.RXZ%A8%+X_)GKMKAIJ5 M.??8WI4^<-CS$>[:)ZT9 <#!'"\ Z".&.[;N@@""^O@2!_FMIWT!OKK@BVT' MN0SPG2Z^ ?)=52_@# @ OK^M'2GS*MFQJCR 9$"*LF\RTL():F*<=8MBJD>>8Z. 3 MVU?ZY!$7.>3X]E[CWLP\CP,ZA9L9XG70?@"O1O Z7>=Z +S*PTL)PK1C&B' MJSZ\#/D]1'^?]=9\NY#MPDD%7M].38-G-(N&'O,-L$I8Y2"K-,#;/-"PP"HS M\?^EH?- 9]XXXT!'V.M7#T(+Y2(/V?$SNZ.3!NQA!'NT3GX']C"'/>Q9U_;M MP!X&L >>V>.,?AV=/0S(;SE4^WAK:1^NA9SX7>*,C'.3.#J[PU5S(_9@'0L) M@3V,8(_6U1+ 'N:PASWS.M:8 WL8P1XC)6V.SAX&Q+3?)$EV%:8+;@ESVUKD M/(I+*\F$B6UZ;-N&\ .$'QYF#PQ7'\ >C[CKAD:G@#V:L<W0SKCH.N 7V,(,]#+U)A6!WVM- .FT=3Q?/NG;FTIW[(3#1@&2. M.W,A9Q?XXT'^<-H;5\ ?YO ')L$L&&>B%3"(%@Q"[5GKEML389#*_OZV#.<) M%_^-XLOOOQ,_MDO:[.Y$FM2GP1;&.(UX6IZ>!!6/#+L%(K?P38W5_9]O5@*B MLK#B5 :U>21^.61?6^$\N^2S&T+L;WOS913/Y+B>BZR(RS@34/(D+.-+_OHJ MCLKS#3EW/S?/RC);G=JW'PGG19:LRX<_LL,I"T%4GO=-T: 11=V[M-C]*1<; M1W][$6/&.'?8$F,:,(][<^(Q;Q&Q.0X"CU/V'^*_V'[H/+]EH3-^,L]Y^/DD M7(K]G8;)57A=W*6"@.;D+M'WZ553Y?OOYI)=[R]U2(IB>X^DWD&26N^SO#R_ MXD5I_2"\O^(\S'F!:CY]ERYF5IA&UL?UO(BC.,SCG>L657?T:W5VYM?6V]J' M_>=:+*J\MMZED9!M9987ULM_I>%:O,:C5P]N9Q7F9P+OS6&A=Y7#J!M\&65) M$N92?ECE>;86SXJ*-AO9_$56L#MU=PCUW:?+,[&G1"JJU2]OCDL0S'P7RQ.SB:ALOGASF&;58=K3;/5K MPD2BCO_@R_8,=WR-!4ZG3SZVV&#FVH$V:_5]#]8*/*#/6@/:Z*E/1&Y;!FAK M.3:&15RO+.*++ \KFTT8^3R7[WKQ_9O2^L@O2KZ:\]RB-K*(37 #!ZM%-Y1' MZ%3KPG$H=4]!5I;8A[!X.#@]_>U_O."+.$RD$7K?]UB)Y0KVN3\9R"0""7.V M%$93F$>22-^83(L?L_6\7*X3@TGP:V:TN*C\)7D.$:;AG]*A_(.ARR!G$!.(">0$\@)Y!R3G#V5 M5=17B&1&'+5-G3]X$$@6JLL+\_",_Y$.M<1^9!'YT"J1K[F4R,.[5#I MLT%0X!'$NDYE'[+#N-%9N%]_X1-,7@-*2J.$/62/E$P/(,%1 I0 I<'-!S] M#AEQ\EY/D4I=3/E?LA6W^)]KF=S2W8(W.Z<2429L7F^ M\ETX26IC!"<)4 *4>K,>'%M8$.,499@8O7Z;I<5ZQ?/GBUA/VTG#R,<$41=F MV*N-$X0\=$")"<]QG(88@!&<)$ )4!K>>G"1/U(3H-Y#O-[,4]S<_51UP-S/ M3AT[S#NQH=PNPL1#E'3TXF#LNO(('Q5- 7R5QY<$B+:>T@/PZ@(O'%_ %_#5 M%U]A8#DN\FQ'480-:*S_-ENM>"ZK@H\O<6OJ A]'0>6X^(A*#* 84 PH!A0# MBDV%8H9EFNZ8#SD7/WA1AN4Q96-&IXT0Y 4!>PO0 'IZ%H"2CJ$> E0 E0ND&)(NP2Y#AM"ZT@Z[0'\Q?R3CM1T,<4N6Y; M+0WY/0/G]]@H@(1&Q4%R'&1[(Q;9 DB0SP@H 4K#V0Y>@#P\8BL5$W-.[U\8 MCQWGG5A2A+"'A4U,'$A;FRK"'D,V[C@Q%.!5'E[J,!0$'2=^ K[*XPM9B8 O MX*LOOD+[,H*(2Q5%V("LT]J5&*VY\'$,K1HQ6W<>;KY]I<^QN/ Q\%;ML& M"$-!//D!=$_,=OW'.N56B[&NW:,$[48!48%GE*WEZ/!]N(_Y!E@EK!)667:6 M?OK%B?H;O]E4RT^_0@TH!A0#B@'%@&*F4!UH^8>P=74ZD&OF:7RL= MVJ'29X.@@'J(X1';\T-!&Y0=3@0E["%,.R93 $APE E0$DKE(3YX#"HLQZ0 MXOT,M.SQID\_IL6(NA[RH-1:<9R@]% 'E'S$6NQAH:;23AI'',/(]Z*6I-DX0\M !)8JH P/@98_U?9J7#@#%@&) ,: 84,PTBAF6:=K[ M0$NCTT8(\GR,O-:S$B&]9UB0!IX#MXUT;$'S$#"U""?$9 "5 : M,.N(8 =AOVWF48\X&9=UVL- 2Z,S1P+69: EY/<,G-^#$7$[CF@!D(:Z3:'( M=SK.20*0E+:D "5 "5"ZGW5J8U^&S"#K=,BLTYY&6D):Q,-^G$<<1(..?APD MOBB/L,\0:]T#"N#5!5Y&&,)4U3$ @"_D)0*^@*^Y^#)$*$6!!WFGVHZT/+*] ML*DC+5MO7^ES'"#/(X@Y;?-E8/BP+I*ZDZ,$\.H"+W,HL@/ =ZKXPFQXP!?P MU1=?;"-J!RCP.UXKJ^X?V*DY6]AOCBW*#YBIF73,$ SSC[$!8 M):P25KG_#08$BOJ;:0E%:D QH!A0#"@&%#.58H:5)_<\T_()8^_HBB+5R-?\ M7NG0#I4^&W(HE8VP#5-)5)=A4'FH/DH$(\>#45EJ@P1'"5 "E'HS'SR,7 \& M_.@UT]+P>BD:N,ASVG:N@;HV'50 H#3XW;C7N@D4@ 1'"5 "E'1$"2-F>\@A M';.M%4KWT<7F[6&HI=%>&D8.$QQKMQUJ"=ZT#O(?4!H6)1?Y#ER7J(T1G"1 M"5#JS7IP&*)=YX>I%N/5I;U0+T,MH:3C(2([R \$5[L=![U#T8[R"$-1UK3Q MI0'"0<>.N0"O\O#"\05\ 5]]\7500*EP'3I>#4+)K%I#+9NZP,=14#DN/J+: M B@&% .* <6 8E.AF&&IIKT/M30Z;80@W\;(]CL&'#5U:O3#"1,;40:3F-1& MB;H^LNVVDP$ )8UB/( 2H 0H[4Q#(7Z &!UQ_)QQ::<]3+4T/'7$=C'R?1CD MKC9.A""70$ZCVB"Y-G)8QU$- )+2MA2@!"@!2O>M!\P<9+.V-\B0>*K"7$O( MC'C8D_-=@H*N@\0A]T5YA#&3^+9MB@+XZH(O([ZPQ3M&GP%?Y?&%W$3 %_#5 M%U\Y+4W\SU=UHI8!N:?'#K9\PO-]ZG.F#K9LO7VESW$@N[0A2F"$^%1'$'?S ME !?7?!EKH<\UO'^#_!5'E\8$0_X K[ZXBLG6\I4RJX7R^JY2KJ-=GMBLN6/ M?,%7<8A@K!*6"6L[SMTX]I,6*.@Y@')==J MXP0EB#J@A DBK4<$ $APE E0$E'E(3Y(#,V6W<9ZA$GP\+7/0RW--I+$QP; M!,BV([\1U>-]5C@IWGM % ,* 84 XH!Q4RCF&&IIKT/MS0Z;80(6Y@@ MSVX[-A'2>P:^[K!]9+=.: >4!BX\\!V$79C'I#9*D- (* %*?95:4>8@OW7J M48\X&9=VVL-P2\-31^R (!9T'/,"*3Y#7:5B1#P 26V09)MW"BG<:H,$*8V M$J#4VW#+0/P/M[U!AL13%89;0F;$PYY<(#PY8G>,7D'NB_((8Q8@$G3TU %? MY?%E3'JU'83X M-O*9JBIX\J/=GAAN^9%?E)OIEO81TRV;Q@H:/.,9IPC"*F&5L,K];S @6M3? M=$NH5@.* <6 8D QH)BI%#.L3KGGZ99/&'M'5Q:I1K[FETN'=JCTV: (8P\Q M!N-)5)=A4(&H/DK$00'IF/0&(,%1 I0 ):U0$N8#HXBZ4'*MUW1+PZNFF(=1 M@&%$B=HX00VB#BAA(MS'MI/> "0X2H 2H*0C2L)\\)FP>3NF;"J4\J.+S=O# M=$NCO31I\/H(VR-Z:8 3Q#PF@I*/ J]MDR' "$X2H 0HZ8B2M'<]9/LCMA+N M,\:K2Y.A7J9;0EG'(\.77$_8Q1U;9T'ACO((0V'6M/%E'J*L;;(%P*L+O'!\ M 5_ 5U]\780Q0SY654)/OFRVW^F635W@XRBH'!YAN:7CJ"'$<^3](\5$:)R8<$PH#W=4&R<&( MV6T+K0 D'6PI0 E0 I3N6P^4>8@$(_8F,C'QM*?IEI 9\?#L)6P[R'<[%DU# M[HOR"&/'1I[=<1(YX*L\O@S;B'4M 9\E<<7]9BDD[L&'&(.AS#'0S[N&(@$#C& 0XZZ4@ . 0X!#C&>0X2QZOD8^8ZV MBJ9R;+\M0_&EXK]1?/G]=^+'=N&K,#^+TYWU;;_S1/I3I]B_B\__K(LR7E[7 M?XI3.<#F]"2HN&E8<(@$YYL:D_L_WZ6+9!V)[_D2NS//$M^,Q;1&R.@\#CE/V'XA?;#YWGVPU%'*+(-%<1X*YD,WQVU6,^IZ7L11'.8Q+Q[D1E4V]*LXO.+8B1?^ M7/-T<6V]_%<:KJ.XY-&K%C)3E>V\C+(D"?/"BE.K/,_6XEE1T68CF[](8Z,6 MZ959<"L+*E-D(;_DHN"GVU]>1W%QD837IW%:K:GZT.N[3Y<'8,\,J:A6O[PY M&T$P\P-''H]-H'WSQ9N3,ZM.SIYE5;]&Z(S9[,&7[1E^\+7''BN>ZON=GOKX M:Y1T^^3C:PUL1Y.UDIGG/ =='1( #VBR5N !X '@ >"!Y^(!EX(]H!$/N,WH M^D0:QI,AS.#>6P]$&6LC?M]>K4W5YXYSW+/L*W_QQOVWA.10_# M'KTW6&Q#BD[=%X'6K6LF@)Q 3I $!M :R GD5)><( F =8&<0$Z0!,"Z0$X@ M)T@"8%V5R#E0(X/1PJ"_5K'/:)O46UK4MJ+PNK#*S'*"ZE>E1FI-Z1F:'@G- MJ3ZE9P 'P3/@&? ,>,8HSQB^>>YH=N(?O(AE :MLFKO*\O(L/'MJ4-JS#2D9 M4YMUG?;;K?;\9J=]NG9'@W*(,RTU;*-BS<6(/H#)TX Z*]8\4@,K02&7XR OT#X9.6RC8LP!4!G ' MW&6 QAA_:QYX&(H+!*,#4SUE>NIPF?]+MN(6_W,=E]='W.$?V+\>;(YM/.3 MY6Z"J&GNRB01HH@Z@)':&-FS0<>6JZ,H@#L:D"R XZLV0!2Y7EO_#S :6L2V M31T!$6L.=_@=YSG"\1W.BJ6 D=H8@14+W/%8ZF;;/!PXO\,BQ)#GCF,D 49@ MQH*,[4'&DK9WU'!^AY:Q ?@:BF-DK(Q]XMIN.VPOS5+^.$/!.^&=\$YXIP[O M-*CQP-LL+=8KGIO8;,#Q(&-*;818M3W]>S--&R,?.3X$9=7&R)Z-@]#H4M:@,N.W MV6K%\X5L&9YS\8,795@>TS5.<'ZS]";-D N8C;X&6IC9,_&00A$K [<3S$[')4\D#19;$D;7=FGZ'P>N:P-68#B.G'CPOGOK.S&Z]?:79&!,4 M.!USF73AY*DGT4"]S5#<,3$=YKH=RPAT.?F@PXS08131ULZC9IP,.@QT&.BP M@T/"VUY0:W;R08>9H,.8VZ&MHV:E!+CU6J\@P]J*7'*@\^8^J9OK_NY_BZMSF^?IWC^_47CG_/;N[5Y1CX&3HX M+(>]%:"8+A13Y1F '% ,* 84 XH!Q8!B0#&@&% ,* 844Y!B!O5 _H,7<<33 M4C9!7F5Y>1:>'3/"5-L& H[^372.!D7?)(]#.U2:W1@*;.@IHK9(:)^I,9&> M(L =311&V\X$ZAU?4!@Z*0S;&:?%$8@$:$(%"J.'U%W]NU6#PM!'81!DMRYW M4H_CIBT20&$ =SQ,,K]MT;9ZQQ<4ACX*PT&V/\XH ! )$)("A=%#B3O<88#" M&#(DY?GZ!T&G+1*,51@]54OH<(7_2[;B%O]S'9?71]S<']B_'BQ.VL[/> 1I MJ'A_EN8;-AFG_QA@!%U.U>NMHQ]WT'$:+P% S46L8X_35@0P A$+(K8'$3L. MD+%J8P0R%KCCD4PP FT;U$:(((\!1FIC9&SA&W!'(QD+ MG0X41PC9#'P-M3$R5L8:5%S\-ENM>+Z0[<%S+G[PH@S+8SJ$:YN8T]:KAL2I MH2,?V(/D-K4Q^OH+GV#RVLP$-^"0)F56<(*5Q@ 0L&2U!H@A<8(! M(Z4Q@IIC$\KO;B[R#"S @W0MM?%I?W4'".E@BD\DX0,X!&2L_OA ?;/: (&( M!0YYPDP"&:LV0#X*/$A;5ALC>S9.@22(6!VX X,CJC9 OJO_7-QI(P3US< = MCZ0VP>E5&A\*?= 41\CH.$%/M7?*WM-]RLKM%9T5%U:9 M67Y0_7I,]=T\RR.>GXA-GDH>*+(DCJSMUO0[$,3KF 72F XCIQ\\+Y[ZSLQN MO7VEV3A -NE89:H+(T,>S23S:$;@CJFI,+_C\!1=3CZH,!-4F(\"N^.<1%T8 M&508J#!088=4F-,QSUN7DP\JS 051C!B7D=X=3@&3NG@0IJ1MEZGO![Q^&8;S!GE:H\0P]JZ;%*59ZA M![7T6*4JS]"#6GJL4I5GZ$$M/59Y\!E3S_']=3^[-]AD]V:YM"E%TN,G_)5MQB_^YCLOK(R[P#^Q? M#Q;'N*W=^@C4T$W@.=J:((]U;&P"& VF*#JV3]-=40!W-++U.K9S@?,[$$(N M(@Y@I#9&[8UQD+'F< ?VX/RJC9"';#:.E008@8P%&=M#A_C6B71P?H?.CV=L MG-Z#@%%S&3N.I0(R5@?NP$'',5)P?@>S8WV(QRJ.D;%V[!,7=U%<7"3A]6F: MI?QQAH)WPCOAG?!.'=YI4-^!MUE:K%<\-['7 +7U3]&;-D($.1-(HYPV1NV' M4TPDIPVXHXF,;7T-#N=W:!GK,JA.5!NC]H-80<::PQW,:7L-#N=W8"V(?#+. M"0:,0,:"C.WADH9 ;97:"+G(=B!6H#9&[( (6Q#9KG:&$'U'7#'(R<8$F+5 M!H@A3"#I46V,C$VH ^YHXDSK/TMVV@ QY+O@::B-$8A8X(Y'1"R4'*@-D(P&6#T?%V"0<2:PQT4XGQJ ^0B"O%RQ3&"Z9['5=XI>T_W*2NW5W16Q,7K M?ZZY6$1@6U%X75A9;JVRG!]3>#?/\HCG)V*'IY(!BBR)(VN[+_U.@A-TO+QN M3(>1%T]]QV:WWK[2;,P(LEG'7#==.'G:630P1W4X[IB8#O-:7YYJ=O)! MAQFAPUSD=$WVU(63IZ[##)T] SKLZ,K]H"/KZ'+R08>9H,,88>U-)CE:H\0P]JZ;%*59ZA![7T6*4JS]"#6GJL\N SS$SS[2&MMS:!'\-; M'^\!(\<_SOUK1@T]@AE'(#N5@$9#$BC-U"Y#=NL2* VY>NJ!#0C/#QR>GY9F M&ZBVB:DVVT&>;8#%-G75UK&027?55N7 ?%N&@NO$?Z/X M\OOOQ(_MDC:[.Y$2YQ33V=[PJ?]9%V6\O*[_%*<13\O3DZ!BFV$W1N3&OJD1 MO/_S#WZ1\T(L;B<-9G&-K#@5YRU)PKQ EMAT'/'(FE];Y3FWQ/LO^**,+[E5 M5EDTX4J 7UK94KP+\[ 05%OD/(J%].*E^*XL#TOQMSKO2-#H2W_&++' ),Y29'V) M[:T9N?,WLKT0N/V;N[W]OOF3(+'U)=G_N"7@^,@O2KZ:\[Q^A=K((C;!R/K' M.N7[?_LM%,O>_!%O__@C7^P^H/Z[77_GX:>+G[=SK->1+*Y[Z^BJ/R?'-R=S^WT1GV[4?">9$EZ_+AC^QP MVT*P%\_[9JR@$6/Y=VFQ^U,N-H[^]B+&C''NL"7&-& >]^;$8]XB8G,[']T'E^>\3.^,D\Y^'GDW I]G<:)E?A=7&7"JLX/;E+]'UZ/0C;/?#N M4?3.\24S\@RG%]M[5/8.4MEZG^7E^14O2NN',%T4YZ%@5G1S@&+,O-[I*JJWR/%N+9T5%F[UM_B(S=>M=5%K_5J!4MNA"?LE%P4^W MO[R.XN(B":]/X[1:4_6AUW>?+D_1?M*K)%O]\NT!F]GU(=ODW&Z^>?/RK'II MS^ZJ7V-TYKGXP9?MV<.O/?;88$:QV^FIC[_& @9KU6:MS''T6:O[\*N[3WTB ML_UI'\^[]]X#7MQ&0H[BV]R3D95D^>(:$-)#Q:"MIM--R3]7$-5=\P1#@PQ]XVQARCM.$+H&1JWW-#B64I<&\P7:B;C MFE_'C HNH2@(.HY);"SLM4=64W I0ZQU\S 33ZZF^#(;$3L ?">,K^-WG+[Y M[/@^80%OH]EIEC[!$O#.YW\G@*71.P=JES*F:/N09Y=Q$6?I,4U2])/H+QFB M#GLU3.Y3-W4\>G;:F/A\_85/,'D]9(8:H-3^%#G()3:<(F7Q(8A0P$=9?%SD M=QU1.(#C,(70^=OS,#_C)]ER6)ST>--Q]5'F!$ M7-I<'APUW'ST((2&^'A>"VD-Z R,CN\X@(ZRZ##; W2410>38!1T# CA[-HX MY]F*6_S/=5Q>&Q;0P8AY$-!1%Q_JM1 @,[0@0+B SK*HN, ..J"XX\##EPD M:O1.PR)MBRPMUBN>&Q9=(PBS%L( ?-#!\6$V!GP4QL>U(3JM-#X$\%$7'XJH MXT*4;0C[9B6LFX6\2,RY^,&+,BR[W27JZ_?(,5(MM"GXI8-+@\"%@*BZ^#"A M35M(:\!G<&NGU6T\X#-T4)02%0-OTXOE;&T=PZ(Y#+?@+_!U!K<^L0NQ''7Q M:5-< > ,?7A&"A, .LT< S\81_48$,;Y@R\RL9S=]I]&F,L4N6[; G5P:8;% MB"#;'K$$2,#@C@_5>,9H&6< MT2WC[ !Y+C2>FFQC(F@).&U\GZ4K(."K#+[0&'#:^"K=&-" <-][7EJ+G=O, M,K-"L;SPC-?3NN2XJW0MUOG?O<$)+1VP':QZFUPZ)MWL&3YN>'$#2G1@VQ$H MHHJUCIOD#:P%K/6@0CQNFO9$6>OQ M0^\17CKO88T<"!O?>>D": MJ#<1\+WXB[42;SLOK&H@H'5GB))U;Y#7L71J,'3J@#A2>^[4L=/.=C=L&N%@ M/M?SS.\Q[*95IVO69PGC3RZ&KZ%M[G@H8%A%8 T(WK_]Z>VO5AAE%Z5Q\RE@ M_H$.*&$;>0%DL3TGB=^E<=6P/4R2[$K:5E:6UE=WUL4Z7YR'A7!PKN+RW%KD M/(I+*^+"(HZS/.PL-+2M'.DF-*"^9UB4?.0S9SR,#+ ;3)UI%: 6B"KBX_O M(F*W/?E@+<"XER-:F/AMNM.")3 P/@X>9]R+ 38 #$6H!8 -/=H4QL=QQNDP M99@I8&@_:@]A!WH8J8L/MI%-QQDI9I@% U;:W;#'E@#"@.$'*=%?VVP!Z"G M86L. MX();=9O1IF\,I3/*6%-[O+F9/Z/8[?34QU]C :P5UFKV6J4'W6RM1_NP][K0 M;*12#XUHQFR#],Q-CX)]JO74NV=,DOV>QT(KA26/ZMCWLS= FB(1WRS^7,]Z9 J>A< I)R'M>G!CD/=]^=^S'H=D; MU;_)LBK6V'@CIE;^I.LY!_A.!5]!6-33FPETC4J8U[8LW,XX#4>7DYHI-;@$"'UMB(<41*EIO*S S'U]PX"#H;4QTE$ M* +J#4=)+_)]ZZ #I(% 2CF).B,!H6HR1.24Q!=V:C1!/" MPIX-7PSR44\D8.7>+O7E(2MV'J0XX4E 0@9GB*T(ZZ-RC)L(:^%5^,8H_F(M MOGK'D."FR59X!0D$ZQ&5!(2G@K ZEZ6AJ<77''!5-R6PG]SWMPP9VE7Q?]00 M43^TJ_4OCR\?HTTX(2D-"1==K?CH8IJ0;^:5;<<\'8D)8R_KN@H%L5E!J-K' MBE^6@04GL5I*4Q%'/"]OQ->3I]I&- M)+_[\TR_N)O2X]:2.REPZNN+J1 M;*;FM:D/?^2I+I9'A3K]&M1L&S[Q4!;W?^J'S1?__DU.A9 R%.>4\E3$,IZQ M6,3SA9C1-(TE%_\G@F_V'UJ6^PE<9I_EZ:R4V>^GV;F:W_ML=9W=5 ^E<)&O M;Y]'Z^9C:1T$K557T*/*DP9?:PFR%>BO15DOKV55ZQO#>;7,2EF1QI(^K.>^ MEZT7WJ?-K,H7>5;FLCJHBZ9,Z'ME:[J_QZY/C/=I*67MG?S/.MLL\EHNWAV< MP$+2LO7WOULMBHL1;5NT=\]PP@_]A4=7Y^\^I/_[3- M-L_YY<_?EM([5Q,KKO5%]:XEKJPK]8]*)[VYXLQ,33A?J_^_R#1->0VSZ7<7 M2A#2^[&X4(OBS=LW":/Q6>5E._!G._"K+?A:ATMYOI)S-;C^V/YM-[E<+3PU M;E9MOUB_6$,7("V]VXRF,30^P7Z>E9]RJI>?33J_;.27QXS:FNYWT5UU98W4R;3?M M_]YDI7JD9O9RO9"+)P3QTJ;?-)Q4#]AVDOLD+VMY,9.EQP/BL8#15V^E:Z4< M_[)92XCP12+\)2OG2X]3R+"_#/]#SG?6W(@Q@!B/PHK!45>2:343;R>RG2]1 MWW7,T).]MQ@_Z >250WA]=+!S[Y6P*W+_>T;$9_I_]->]V8[>)*_:R%71T4' M\X7YCJV#,%^8+\QWHL*#^<)\8;Z3%1[,%^8+\YVL\+J:[Z3+M3\6R5.!X,V3 M+>2\*+?1@N_57&2IWZ6$M0V?>_LF3 [?E;60Q=&TL'<^^;$>_]PJ8J 9"8I 8) :)06*0&"0&B4%BD!@D!HE!8I 8)&:T+^B9 M]F:4^6RT_F;M)/!W6>4+N:YU@[.+HJP_ZUIF3_;C[2* D7L5M)MZ^UX%3\W0 M:+UF) U3$J<]>W9-M.N+265V6^(4$I[V;+P%D 8"B?NB9VNE%T(TPES_]!K7 M3%@Y)K5R\) $'"N'V:2D5HXHZ-H%&" -OG*, Q%6#JP<@RL["8*8" Y2,IN4 M6$1XU+.9)$ :;.4(*58.K!RNK!Q)2E(*4C*;E%A,PF <5PA ZK!RC&-'6#FP M<@R_X(!KW5$/S;4I$0S[ M6L-QXB2&#\%PD!37CF-'HW.M8XF]/Q;K:G,ARQ?<\$WV)IN2F"4D['R"0\3! MP#A%A+$ (!D-$O=C1\-"H!ZMN#9,4K7Q0W27X3@)$G:^/@)(@^_.NWH4P;7N MJ &HY32)(8"Z+9 M( F?8U\+]7@NZW7: MU2\",QX8)TYXY^JC &EP'S0R^J >A[F64TZ2%$&UAN.4$!&CG(C9( D_&J<* M ;AV"NJAN38F@G;U0<.,!\8I)FD$'X+9( E?C&-'X-HIJ(?BVB B/!DGZQ,X MM<8I(DF"%'>S0>H16V$)USJ7T7=[W^=@3E\:ZXY7R.@S'"42I A\-ALC[G<^ M/UD2( +U:!6,1SE79VPD])F-4TK2& &39F/$N_M!0+7NJ(>BVB0E"1TGOQXX MM<8I0#Z?\2#UJ(X,KG5'/2CA+"2!&"6L-Q8G"I&P^2VM&7^_]5M3[FSVOE'.97V6SE?1.LG<- M^B>S_1^+=R])[YL5Y4*6IW5Q^5X+IRI6^<+;SVYZYJ'.YDQM[%/>,R&EM3@F M%,1@&<1I0H+./C*+X9T>@MQ/QLD7&WT-@_4?@^#3F'#1,UK01@:P#.(T)''G MPZ+%\$X/0>[':)<%Z^]+\"*(B. @>'LA9B3N7+;68GRG!Z'P Y0%@?GW9?A( MI"2.>B:%V<@ UD$$?3\H^9*FK^5?(O15E_SC[+4STOJ="5\TV9U[GZ@I-YO\OCR89/4))P M1I(8X=MFXQ2JQ06]-LS&B/H,89]0CV?:[H:ZHRM"[,W&*211YW ,8#0XU3K: MQ0'JT3*;23=T10*XV3@)P@)0K=D885<+]7B6:FD4H<&Y\3CIY1"]R%FM)ES5;J7Q,4JB (DE9H,4(RC$;("HS\>!:/3E NK1AF0YH2!9 MPT&B'$D_9B.D-N7CY/R 92>A'I0D%#LELT&B% 5#S$:(^11I>U"/9_:RW5L& MP(8'9MD4K8_-1H@C.1KJ\5S(! G3O] MM5[*TLO7M2QE59_*K%RK27@+>5E4>5VYE:F7!B&A?=LV(L)@*&H*>Y9\!D(# M(13XM.L.S)(8$*A'"Y$ENC:_0+"=V2AU]X0 H:%I-ABGJ@!H=@KJD0244-2= M,!PEFHS3IA0(@69!LT<06<09$2FJ3IB-$HV116DV0H'?.00)-.N.>L2ISK> MT\!LE!@#0F8CY"[-'BD_S^3;O-^*.EM]>9N7597L>9>WDX%MG4,YX5P0&O4, M]C*F>>@18Q1L@S@(>UPR6(SO]"#DW:\1+8E!@?D?@>%9J#NM]M0@&QG -H@# M3FC:,TK-1GRG!Z%B^''"[<'PTS=_1I(D)"S!'MY:B(.$1%'7JQ6+\9T>A-P7 M8'B8?U^&CYEB>($]O+40*XS#OBF7-N([/0BYWSD>'PP/\[_=P].0<.SA[868 M"L(ZMVVR&-_I0:@8WE$__)%R04V^,OZU6!^X+_9.I&.=&BD)8D$HLRCQ!6,X MH;D8Y-=UAIDFB6]?;_IF\XX@(E#$D[ARE?\R S8.OZ=1@\3& MD!@8TQ'&Y&%$XM"5\%:, >MVQ[HY29,8UNW:&+!N1ZQ;%RM(0IQVG!H#UNV( M=:S466^EW??/>_.O@F3?@Z+G;SN*397JKLH-K.5/*39 M1IOX"YPWKW!= (E!8J\E,=@L-! 2FY;$8+/00$AL6A)K9[-&!J@X/ :8%KP! MB;U 8@X$MWW8YT[-9%;JW*G5G<>EOTL%$2^($8+$(#%(#!*#Q" Q2 P2@\0@ M,4@,$H/$(#%(S#C7U=,>NVT$5^S'H=E>K$_9E7KHREO(RZ+*.Z1I/C%KRZ(7 MGYJAT"BB#;KZ=X 0B!9$:XS( M&(D33@0#T9J-$Q R'2$0+=3C6:*-TI2$%*X#LW$2\3A6#(0Z$.TXAPX0[134 M0Q%M$I P[9IZ 3,>%J@'I2$"2=AYZJ<,..AJ3;IW*,\!!F;#9.(8E&.IT"H_94RQS= MU;J5O?=#49;%M5QXYVI&E7=R_LZME#W**:$I\D@,1RE$S6VS$0K\D:)U1E\O MH!XM:98)A,X:CE+GHQ,0&IQF$=P,]3AHP$+?&(VC(4 )NUE;$%(TZVA@,]2C M3; I2PD-X#0P'"4D4QJ.4."/5(@)-#L%]1 T)3Q&Z0G344*-'[,1"OR1.AV/ M3K-NI>E]VLR*4CUW5DO=8F]6>R>?^UWG3??:FO$>13007#!TH Z+D>5C-D:B M>V$X2P) H!XMB59T=I+!B SU5V1(J>V1CQD;H1 MOPI"W2]\C,;FU[=O1'SVB\-):W_9K/.B]*I']UUR76]*Z5C/.Z0$-I,O\WXKZFSEY>M:EK*J3VZL\F^6K MO,Y[7NCM!*%O"&5Y6A>7[S7^5;'*%]Y^3M.SA)2$7!"UKO2[G6\M#5.N[MU# M.")AVC/VPD9TIP=@X&SE9!C_$>B=4A)%H'=;$8Y(TKEGLL7H3@] 1>]=SR*@ M=QC_CMYYG!#1V:UK,0%8AG!,0BS>TZ9W/DX*&.A]\L:OZ%WMW@7KFF:DVHCL] ._R=*Q_H6,)$&H]-:B/$.,X83>1NKPFB;06VO'L%1OXX 3%D%OC1G# M@9CDIXZ:1PI(GJ )"D%$YXVZ'?7 G!C#4JV-2, MX8+6AIRDG;?HT-K)C&&GUB9J7VM3)>*IC^' '6:3[/K2H^1NWI9%7U!&$AX3 M+GK>91H3@O$*#I@IX/>_.MNW<@KTUOPQ;-5;GA Q4D5 8[&V:0Q;]38,B$AZ%KN WIH_AJUZ*_3^5D!O M31G#Q:@.3R>E5ZW/G*_K=#--6M^^WO3-YB:=1I$0EG0E)_@:C< /OD9S) ;& M=(0Q>1B1N&\?-)L9T^8Q8-U.6#'W!E\8MB,UO)0X0P-3W!;6@+N:4IH<*B4#\K06)^@GZA0]U0 MM^-$Q%UT9IJ(\-BB C!6@J289IRX&# -F.9HI^2 DJ!OAW10S4 H<3] EURS MJ&8*:H.#7E]2Y"0.+0K6MA(E[E/LO\PB1>R_NE.-(#P9IXDF4.I -8ZVL78@ MW>#^!<*IS,JU>FXOJRI95]N+A <7#!=9^3E?OZ1OAIV7QM.Y%^:ZEAT).N])* _I[5>>$5YX).6641HZQ/=C^6YW-5E+]7N17W_U9_=B/M?O(J3ZKOJ?<#Q_B_8]- M5>?G-\T_Y>N%7-?O3YNW#8XWTWB?9.\:(_GRY_=*+;//TE.BJ2IO5:@O\4HY ME_F5GKNN>K':+.3^E:5<+=2YU\NNLGREWW!Z7I2G5:;>J0MI-V^Z7&5SN?"* MM;AP8?4M>;:R M2*3SKVKI+%MEZ[GZQD6Q%<).M%Z]E)ZR93FOM20WZU*J.?Y+R?)SEBN-+$HE MU$H)42ME)>>;LBG^?EB=+9+JHK6B*N'4V1^GYZ742GNE7KF0^GGO!*:-_/8M MC;5GI?0NU2CJG8W19][Y9K6ZT>_;4HBNI'^E1*I&.GG[AHNSGW[[S^WO=PK. M*K>)$^1!41]08^COUX5ZWIX5]N+\Z>>//WBSHBR+:S751FW5XZXT9>X$>_>J M1:+Z?%!4?UU[G^1E+2]FLO12XK& !62K=C\6%VJG=./E5;51X^VH:ZN_F@>_9(_7E5Q5T7E1UL\1?%E5>*QDIWO4"GX9_(OI7U/Q* MM[\85[^TQJH_];\H;KU4Q)!?R=6-1;J:'Y3:IV5QO6Y6$K54[!8)[[^^__YO MS=_>3:YXK_(4UVTU^%(]0+'0UK]0YRNMB%J\;]^$R9GW<;M&;9NZL#./^[&6 MJ/I%M[_2YO]2L9.X^C-Z)'&R7RJ?6@[WXU)?Q.ISZA=M?D7;7W&R&Y=I$SHP M[H'LL$8<^\>F?/N@--C^$KM?R>UCA^RQHMR7U_I^FMF]FG4[/61^HI]7_6+; M<8.X^3)Z.SS]XNFW+QSZBB:3[7;T-&Q&;X2]579^I^6[/]MI^4Z%.-WJ]]:8 M%$N]+Z6B=O71L^M\42]WA]S[GYL5=5UICRV MG:2M[(0Q_Z=^VGSQ[]_D5 @I0W%.*4]%+.,9BT4\7X@93=-8G#Z7^6&"-6+[[\TR?F+]\ MU"%%2H-',HV?E.FOZN"UO-::^H/:-VR[/U6W]CCWMVKY:3.K\D6>E?>O<$V= MT'Z=^:'9"'F?EE+9X\G_K+/-(E>$^,[X&9SDZNRQ+#9JC$7UY>.^]D,];7N/ M'(O/R&ZWO+ZZ\)Y[SB]__J86QW.U[=WN<[VM,\O;ABR<:P/PYK*LU?%"\;;Z M_XO&#]$PJ7YW<7]WN.N*ID\:#[;<7K75-&TPI3Q?*0*OMA_;OVV[4NNE_%#P MA/YD]FB7]%PTQ>%%WV_FK QWOMSO$)I]?U4WI]2%^LB5WOK?> K%7&^7;D^^ MI;?SL^A7[\]@/U'U7+M'UH>QNP=ZO"X^?K[;H_'^^;XXM.A'FV>K^6:UW;ML M*OU<"W6@N]D_Q#-'E&:IW1;/:+9R.Y3WR]ZVM,;VZ'-9R??[/\X6>76YRF[> MY^NM-FT_=+8;:[=6:JI_Y++>*GSS\MTJH+8VVY5@%P6T^^;=R_[VI4?14,UK M//)91 ^^K+;#!U][;MC$CWN.^OQK0FT2\:QX5M>?M=VH7XD+[!C^UU#.L1?7 MY&L;DU:7B_$"Z M!(': S8-'X/=JH6#V4BS@-$V5\%M)GSP&M96R05]#*'-9;4U0MIM=[5W8+?C M?75ELU&,>S\AA-=+!S_[6@&WI\+MI;K^/WTP; C_)'_70JZ.B@[F"_,=6P>[ MF>^DDY(>B^2I +[FR19R7I1;K]U[-1=9ZG_W_NZQR'6F<9RM/)SM]UG$OVZR1E_2Z&+DZ5KNIMZ^.]=0,C=9K M1M(H)DR@LXS9_!/'A,?C])8!2&U!TE'\TV__TVZNK])I#"O'=%8.3@*>D)@R MD)+1."4A2<( (!D-$O?CKO5)+5DYCN0YG=H*"3Z.N;IP]/K?3M$(P^E7*G[-XX;3ZD&)8(*$2=>]'\QX M6)P$(UP )+-!XE;TS!QD@S[M:XX?BW6UN9#E"W;GDSV%4A*F@B2=6Q[#6S#P MBA&J%:-KETJ -+A+I^L!RA*7#M2CG2M-WI!3*A-382M1$GXO.M.W!+_'M2C7;!33$D@<&]M-DY4G:E3 MVC4($R@-?EP;Y[YK=+)U[C+E=K?NY'5*D*8DH B^-!LGEI*H,R$!I,&#G<;Q MPHZ^9D ]VG%M(DC<.6819CRP&3,2LW%"W0%2AV"GR$VN/:8W/39^>_[Q<8/0 MV]:B)[-WWLGB<"'-%L?2UN5^IF$3-" \2 D3/3VY7:H?3<7S8!G$+(U(2'NZ M^&S$=WH0:8D993PJ*=KTD8"L QA'D0DZ9O69B.^TX-0 M^-11@C_FU8'Y1Y-?=A6F3O6\Y.)^G]:3>;]SR62/XY1$/"6Q@&_+<)Q"$C/< M(Q@.DL]0HPGJ<;#.6AKA%L%XE"@C2=0U\!4@#>Q.\^DX$(W.M&[=(GQ87\FJ MOI#ZBQ_LTE]Z@S ]E>23/NN4VXCO!"'TV3AUYD=? MJF#^+V9XJDX+*8EY3Z^^C0Q@&<2<"2+Z7NO9B.\$(?0[]_FSA.&/=&%@\F'D MUV)]X"3BG4C'0NQU44U!:-\R+29Z1S"&$WI+TX"PD2\S@0Q]79K,H M-KID. X09H\!U'#L^QK]-$^VD/.BS.J\6+]78M/%D948H8 !KK.=63@4(?&8 M1,RB0!TK28F1@&%Q-QLCE&1XX7EQ(@>G+UR2"WFA+R=?5#=MLKE_C.C*:4 M:MVZY?BE6,L;[R(K?Y?U?H?N9?.YFJ!K%8X9"3DG4=Q5[^%'&'JGGE+XX\S& M2"T?X]2P'7WY@'JTHEH:QH31KKM F/&P.$4DZ%Q9#A@-3;5\G')+HU.M6VYU M/9:C/G1*1)J2L'-Y)C@-AL4I)8E >S&S,0K\I&G6O=6=G+M6]I>'A$==VY;" M43 L2B)$:+W9" 5^Y^.3):X'.,1LE3N*TZ_D)& U\?NH> MTV*)-P?JT>IXC?01LQ'B(V6/H-S,U['Y]>T;$9_]XK 3^2^;=5Z47O5HRRK7 M]::4CH5B4Y;TR!'!*7KP0.P 2?>&8^2GX\3*3V;3ZK9ZL)"D">Z%S$9)]U2! M2]EPC/S8T;)8#E19;AKOY<_46GZ)4]FRAO4I$7%(>.=Z3!:WK+<,81:H34// M*&(;X9T>@H'/X29[+-QJ$I",!6A#G7$ />*?-[YUK7EO"[]?W@OOGN MUV+]Q5'D48U%[V3I6 PZ(VD4DRBVZ-( 8SBAMRP,2!)95-%F@F-,05/<;'#V MU&)W)+_;!,DB9"0<*7][["@6)\:P4VL%)W%@46&("8XQ!3TYO,#M'V3_]D8> M(^P76GDW3-G48 R =IPQ'-AG-E>\SNXL*2-1&JK-I46%N>U?'B&QL25F)QD$ M)$W5GCU"OH2I$($,+#Q=8 R,,=DQ'#@C?%IFI5P6*W6:K-Z^21B-SSSYSTU> MWSAV6"!A&)$D=?.LX,08MNIM&A$6NJFW4T (VUH+M[7POTYP#("%WI[FG M@Q"KUMOD%V\Q3!/(MR^:H=$+#15ZYT1$/$Y):^P%L'N:DL1 ;1.B-IU@'Y" M6E0F$88*B4WH8,B5V2R*S6PE<<@P? R@AJ-AB[A]6=\6S%!_S(L+N2WQ]V'_ M;V562Z^Z+&6V. :M3Y22X;=O$T">1B3J7%3?X,V9G2CY(UT(CC#7UZTI =J# M06UI3\?A612#9R5*W&>.-E0U[3B),3#&9,=P[$AX*K-RK9[;RZI*UM7V:/C@ MR'B1E9_S-2X,I^M5YR1*. DX[@M-10@;\[Y;OJ!KK5]+MGRX''6.QAE)@X"$ M-K60 XV#QKR'7]_K1YV['G&W]MODS/]R2[K2X^ M^+<_%%;HQT)+X7NE#=EGZ2E5JBIO5:C1O5+.97ZE$= !:*O-0NY?6J=.H&I>=/E*IO+A5>LO76QSN;SE/YMU _ M!G9R2,[,09)OD?SP,&CP#CH-@53[T/7VLBB[*)3Y_TMO3-=Z9[J0Y[(L90.> M=RYEYO.E=ZW&5GCJ^R7U-7FVL@C*N3E0/C3*6;;*UG/U M58MB*_L=I%Z]E)ZB>CFO-8*;=2F5:/^E,/R-AZ+0)S80Z83]NEPJ3._C@]+Z6VT2OURH74#WJ'DZ;2V[>>;U>I&OV]+U#I/]$HAJ48Z>?N&B[.??OO/[>]W2HNJW";FE>8@?,!< M8:=?1_'<%!0C/Z3/HOC3SQ]_\&9%61;7ZD.->:KG7.F%<(?GW:L6(?39%(3V M3/K7M?=)7M;R8B9++R4>"UA MD;V8W&ACD'T7+%JK7UM33+%1J?FY.M,Z^FH;ZNWG@>YX]:"]-0WMOC_.BJIN-ZJY%TW8K&O@T^M/6% .?)W\BZM!2 M72JBS:_DZL8B(\Q-@27R4RV$3\OB>MUL0-0.8[>W\/[K^^__UOSMW>1J]6I M>OLF3,Z\CWH#TQSTMT4MV)G'_80UX F?TD?@J4^E9]Z')W=&NP&:T:@O1#,* M\]7C/CW*@:BYAT^C/KT=A_OQ%ZIT?V[K^X%V]_*P=CK)_)3N!V+ADP^D7SPT M8./;N!LKW8_50;]W\'&ZU>RMP2@&?%]*M5JICYY=YXMZN7.^W/_1;%85JTU]^"/WS&:NMZ7EL2TD;64AE#X4QH.?LV)QHWXMZXO5=_\/4$L# M!!0 ( &%(65/4#HL0$!0 +VC 1 ;G=B:2TR,#(Q,3 R-2YH=&WM M/6MSVKJVW\^OT&7//2>=B<"6WZ3-F330;+ICTQ+2;/B2D2TYF!B;;9L ^?5G MR8:\:4G;%&AH)PE&[_5>2TORV_].!B&ZXDD:Q-&[DER62NB_^V__#^._W[>. M42WV1@,>9>@PX33C#(V#K(?.&$\OD9_$ W06)Y?!%<4X;W,8#Z=)<-'+$)&( M_* PJ9J4*2[73>SKIH=5S5*QJ5"&?5?J9=FP6JF,Q^/RQ$W"O3;P7+Z( MK^[4KF0)C5(_3@8T P"*SC0LF5B1Y_U S NC> *)U7C<;N_1&B.,EZ8YYF*;T* MHHO4I=%EV8L'._WF9!%O)],1,\'^1MI?CR;:7H MVHW9=/\M"ZY0FDU#_J[$@G08TFDUBB,.$P@F55&1)\7'@#$>Y1^AW &N2P*O M&'^2M;C_KA00W]4MRW!=@S+5UPV3<4DW*0=^D8CN&N>U^53P[<(C.A!#\Z!: MCV!^TT-83D+#1L3XY"\^+:& 0==,^3)U:_'5,6E==11[Q/KUJ^Z1U6_V3^4. M^3"P:Y[4/3N=VM>?M6;M?=!MV]?=H[K6N6Y==LX^DV:[,3U6G+!S'D.^V<>7IW\*%O MU^QQAS3D3K]UZ=0ZLC/X.(#ZLDULS:Y=CCO]SY+=KE^QHP^!>W2J=]MUV3X[ MU3I]>]JM-<;.44.USSY>=L\^:[8HN_XL-8\ZLMT^G;7Y F-I4;<]#.&[2;<= M!O;UQTN[?R!U^A>3SJ 5=FN7$RB[=FJ?U6[_=.)\,:?'[7IFGTB3X_;!.54X M_)M8S2O@2DKAHRT8$F[N'S)=%[ '*:"5G] M(:076[1^"ZWR7;3*OB8S5;4P=54=- Y@U'*9BJFA,M_8 G*)\0 M?U);'C;^NL\2#QOOS[^ZW_L0X!NS^1-HBR2K@0VR+R:%90F3FZYNRVZFR194 MG9?,G^>#5.X!:@[5&S!6[@CK"HCT0J[GX/R6&7(NE^ZVF>F"01#A'A>F4E4E M94,;9GOC@&6]JBQ)_U_*J^Z_38<4B,I-*M!!\;GHYU%O8LZ8AL%%5/4 B#PI M+6Y\IYDP<# T3:B75=/18$"3Z=ZBON:-O#B,D^H?4OYOSP> @?TV",)I]3_M M8 !D[_ Q:L4#&OUG-P7[ P9) K^HF ;7O"J;L-C\<5P P(!^A,TR!XA,! A. MZH>GK4:[43]!!TX-U?\^_// .:JCPZ9M-TY.&DUGX;I>?@G24DLXHVD/[)$L MCG91K7Q8!JM84ZU'TW[IR:E/3N[??\BZM+="&"Y'!A^:+7LVU9?3G7,WIS#Z M5JDZ)W/5Z;1M4'VMGG/6 G7V/G!JH-+.ZL09.'V[_S'L#&RE>]0"-=< -?A% M97]^#+LDO'+[,:C( ^BS+G>/&M?V44.R!Y\GG7:'=(@]M0=?@LXUN^P>?<[' M<_J-Z3G3%*:HQ,"^97"L ARQZW%PNW3XK%'%\)E;VC?Q7P^U']H2$[UG@1U90G"!9VV%O MBB]B?^T7D_6X6,0H";( >JU/O!Z8=!P=>!F*?21;BOKB/+#<3%?. \NQJC"_ M!.1:? AN.]J9/W,*!ACX\(A?B8!3DA=S]J9Z(V-6H<(+H+Z0 BI",]!ZDE49 M@ $/H,N>4$N8T2F> D@PCYY25)]RL[5>&+.O2V-=-\&)L_N78QA?;=:\ZW.+ MJ)[.98I-59.PJB@<6[[F8<(U6?-,RV06>&]-+XM=GA2H)-IN'J+(702H"G)D#):^+!3-9K U^-\7082S>%C5AAD M.*-NR.>E;IP >V&8:TB'*:_./^S-X\I%Y!_GC?9F?;EQEL4#T=W>%4^RP*/A M#(LY0HOB6>C!LLJFIHOH0Y; #YL// M,E// 1"5CC\L4LRR;BXNELOR=99IL M?5?+KTU6-LN6M"F3S2%+ENJVDF.MP!S0AJ"Q=R6E-&\PI(P%T465#"=(!G)X MQ-"/""0>_OJXB?2+U/#)+X2 N:^[57H'1":<3*<3>U$U#Z, M1U&63 ]CMIEJJ B[=_IL8%_#3QOZ.CI5G)JG=JXO)M"7U+GV-*=]N>Y%SW^LV:"-6W^L[U)7%JC:ES]K'?#,)3Q-9W^.85!Y@VW(;KL^[O0/P&YT M>C;IJ,Z1 W9@+P1;4.NT3]7F44/MMM\'S9LDR;L)C^\#N];KVZ1^W>U?2!UB M0_U3U6Z'/:=]H7;ZO= ^:FCVE_N1%R)[ENJK#)N<2%B5#(8M0 G6))*% MU,.RRRRL*M3%U',]K%+9D A1))5!<]G5)Y[:LWD$]0,\B,@ M6U+_)JG?1N@84:G&-!=+U%? _P@CDQ#.8:GBP;5FG_$X^B=!I>T2B@ MFTKP2S@;7Z/WS7:M5L[="YCW4PQL'G:#X89O>/TZUKT-W>F2KGA,L;!K:,"Z M*O>Q*2D^EB17)91;$I4 D[*N/'%RZ)M1.VN]Z7E!J&!&52)"-TQ &P1#&B(^ MX=XH"ZY$BH/P'HS[;;85?@$B0"+ $QI>)[*Q;4M'*T^V624;]FO#?>4'I M+WR2@X33C97W/Y1GIYY+GJ\95):P;G**59D;V*)4Q097F:59AJQX4FG?E-6' M(OL->D&L',? ]9]Z<;3)V]P_=&SE^MST3(T:C&!-M4"=,I5AJH ZM53/908A MG)B &8/HF,BJM$BCKB*M_'&>\;J)Q)W;!-M__V$2V=A+4<9#/A0DAZ*IO$D>38!'6AB$0%L^*L[:,)2*, $*:3H_%_(XH?<'L7MG6T=]RM!: M$8SNG#PJ,IUY N 8+CQ@17;<-\*4%J>6#KRLNLQZK07K_;4;6V!%EJ4B+??9 MV<=JV=*7VWYYWHZ/1M27V-B2U>_-,/[5DU4)3-9#WD@DM)G^'&26'MIJ:H;#ZB$YG9!.AVX<;B3/L>%?T5@O91/E?-KK7ZW<%GQ6F?*M#V8;@2Q@_[#FD-FK4+Q1YT).>L/NZ< M=<;.]27,PQET:Y[LM%G0D2 M+VNE?9&E!01[DL7>Y2X"+2ZC3S1!7V@X>N*VG)4*@=^5SF?"]B27M5LB7X+( M;[?3+$EV+=

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end