0001193125-22-247364.txt : 20220920 0001193125-22-247364.hdr.sgml : 20220920 20220920060600 ACCESSION NUMBER: 0001193125-22-247364 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20220920 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20220920 DATE AS OF CHANGE: 20220920 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Auto loans FILER: COMPANY DATA: COMPANY CONFORMED NAME: SAFCO Auto Depositor, LLC CENTRAL INDEX KEY: 0001944183 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-06272 FILM NUMBER: 221252033 BUSINESS ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 BUSINESS PHONE: 954-497-1000 MAIL ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: SAFCO Auto Depositor, LLC CENTRAL INDEX KEY: 0001944183 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 BUSINESS PHONE: 954-497-1000 MAIL ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 SECURITIZER: COMPANY DATA: COMPANY CONFORMED NAME: SAFCO Auto Depositor, LLC CENTRAL INDEX KEY: 0001944183 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 BUSINESS PHONE: 954-497-1000 MAIL ADDRESS: STREET 1: 413 E. ATLANTIC BLVD. CITY: POMPANO BEACH STATE: FL ZIP: 33060 ABS-15G 1 d369069dabs15g.htm ABS-15G ABS-15G

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM ABS-15G

 

 

ASSET-BACKED SECURITIZER REPORT

PURSUANT TO SECTION 15G OF

THE SECURITIES EXCHANGE ACT OF 1934

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

 

Rule 15Ga-1(c)(1) under the Exchange Act (17 CFR 240.15Ga-1(c)(1)) for the reporting period             to

 

Rule 15Ga-1(c)(2)(i) under the Exchange Act (17 CFR 240.15Ga-1(c)(2)(i)) for the quarterly reporting period            to

 

Rule 15Ga-1(c)(2)(ii) under the Exchange Act (17 CFR 240.15Ga-1(c)(2)(ii)) for the annual reporting period             to

 

Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001944183

 

 

SAFCO Auto Depositor, LLC1

(Exact name of Issuer as specified in its charter)

 

 

Central Index Key Number of issuing entity (if applicable): N/A

Central Index Key Number of underwriter (if applicable): N/A

Gary Stein, (954) 745-2503

Name and telephone number, including area code,

of the person to contact in connection with this filing

 

1

SAFCO Auto Depositor, LLC is filing this Form ABS-15G on its own behalf and on behalf of its affiliate SAFCO Auto Receivables Trust 2022-1, as issuer.

 

 

 


INFORMATION TO BE INCLUDED IN THE REPORT

PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS:

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

Attached as Exhibit 99.1 hereto is an independent accountants’ report on applying agreed-upon procedures, dated September 19, 2022, of KPMG US LLP, obtained by the issuer, which report sets forth the procedures and findings with respect to certain agreed-upon procedures performed by KPMG US LLP pertaining to the issuer’s Series 2022-1 Automobile Receivables-Backed Notes.


SIGNATURES

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

 

SAFCO Auto Depositor, LLC
By:  

/s/ Gary Stein

  Name: Gary Stein
  Title: Authorized Signatory

Date: September 20, 2022


EXHIBIT INDEX

 

Exhibit 99.1:    Agreed-upon procedures report, dated September 19, 2022 of KPMG US LLP.
EX-99.1 2 d369069dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

Independent Accountants’ Report on Applying Agreed-Upon Procedures

Southern Auto Finance Company, LLC (the “Company”)

Capital One Securities, Inc.

(together, the “Specified Parties”)

 

Re:

SAFCO Auto Receivables Trust 2022-1 – Data Files Procedures

We have performed the procedures described below on the specified attributes in electronic data files entitled (i) “SAFCO22-1 datatape.7.31.2022.v2.csv” provided by the Company on August 25, 2022, containing information on 15,109 underlying automotive loan agreements (the “Loans”) as of July 31, 2022 (the “Primary Data File”), and (ii) “SAFCO22-1 datatape.7.31.2022.supplemental.csv” provided by the Company on August 17, 2022, containing first payment date information on the Loans as of July 31, 2022 (the “Supplemental Data File,” and together with the Primary Data File, the “Data Files”), which we were informed are intended to be included as collateral in the offering by SAFCO Auto Receivables Trust 2022-1. The Company is responsible for the specified attributes identified by the Company in the Data Files.

The Specified Parties have agreed to and acknowledged that the procedures performed are appropriate to meet their intended purpose of assisting specified parties in evaluating the accuracy of the specified attributes in the Data Files. This report may not be suitable for any other purpose. No other parties have agreed to or acknowledged the appropriateness of these procedures for the intended purpose or any other purpose.

The procedures performed may not address all the items of interest to a specified party of this report and may not meet the needs of all specified parties of this report and, as such, specified parties are responsible for determining whether the procedures performed are appropriate for their purposes. We make no representation regarding the appropriateness of the procedures either for the intended purpose or for any other purpose.

Unless otherwise stated, the following definitions have been adopted in presenting our procedures and findings:

 

   

The term “compared” means compared to the information shown and found it to be in agreement, unless otherwise stated. Such compared information was deemed to be in agreement if differences were within the reporting threshold.

 

   

The term “recomputed” means recalculated and compared the result to the information shown and found it to be in agreement, unless otherwise stated. Such recomputed information was deemed to be in agreement if differences were within the reporting threshold.

 

   

The term “reporting threshold” means that dollar amounts and percentages were within $0.01 and 0.1%, respectively.

 

   

The term “Cutoff Date” means July 31, 2022.

 

   

The term “Source Documents” means the following information provided by the Company for each of the Selected Loans (defined below): (i) sales contract, (ii) credit report, and (iii) Company’s servicing system screenshots listed in electronic data files entitled “SENT—SAFCO 2022-1 Exceptions Round 1—SAFCO Answers 08-22-2022.xlsx” and “SENT—SAFCO 2022-1 Exceptions Round 2 8.24.22—SAFCO 8-25-22.xlsx” (the “Servicing System Screenshots”). The Source Documents were represented by the Company to be copies of the original documents or electronic records contained within the Company’s servicing system.

 

LOGO


LOGO

 

   

The term “Instructions” means the instructions provided by the Company pertaining to a procedure, attribute, methodology, as described in the “Source Documents/Instructions” column of Exhibit B.

 

   

The term “Provided Information” means the Cutoff Date, Source Documents, and Instructions.

Prior to being provided the Data Files, we received one or more earlier versions of the data files on which to perform our procedures. In performing those procedures, we identified differences which were communicated to the Specified Parties. The Data Files represent the revised information reflecting resolution of differences communicated as determined appropriate by the Specified Parties. We performed the procedures on the Data Files, and the results of those procedures are reflected herein.

The procedures we were instructed by the Company to perform and the associated findings are as follows:

 

A.

We randomly selected 125 loans from the Data Files (the “Selected Loans”). A listing of the Selected Loans is attached hereto as Exhibit A. For purposes of this procedure, the Company did not inform us of the basis they used to determine the number of loans we were instructed to randomly select from the Primary Data File.

 

B.

For each Selected Loan, we compared or recomputed the specified attributes in the Data Files listed in Exhibit B to or using the corresponding information included in the Source Documents, utilizing the Instructions, as applicable. The Specified Parties indicated that the absence of any of the information in the Source Documents or the inability to agree the indicated information from the Data Files to the Source Documents for each of the attributes identified, utilizing the Instructions as applicable, constituted an exception. The Source Documents are listed in the order of priority.

We were engaged by the Company to perform this agreed-upon procedures engagement and conducted our engagement in accordance with attestation standards established by the American Institute of Certified Public Accountants, which involves us performing the specific procedures agreed to and acknowledged above and reporting on findings based on performing those procedures. We were not engaged to, and did not, conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the specified attributes in the Data Files. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported.

We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our agreed-upon procedures engagement.

The procedures performed were applied based on the information included in the Data Files and Provided Information, without verification or evaluation of such information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the information provided to us by the Company, (ii) the physical existence of the Loans, (iii) the reliability or accuracy of the Provided Information which was used in our procedures, or (iv) matters of legal interpretation.

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the Loans to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Loan being securitized, (iii) the compliance of the originator of the Loans with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Loans that would be material to the likelihood that the issuer of the asset-backed securities will pay interest and principal in accordance with applicable terms and conditions. The procedures performed were not intended to satisfy any criteria for due diligence published by the nationally recognized statistical rating organizations (“NRSROs”).

The terms of our engagement are such that we have no responsibility to update this report because of events and circumstances that may subsequently occur.

 

2


LOGO

 

This report is intended solely for the information and use of the Specified Parties. It is not intended to be and should not be used by any other person or entity, including investors or the NRSROs, who are not identified in the report as the Specified Parties but may have access to this report as required by law or regulation.

/s/ KPMG LLP

Irvine, California

September 19, 2022

 

3


THE FOLLOWING PAGES CONSTITUTE EXHIBIT A.


Exhibit A – The Selected Loans

 

#

   Contract Id              #              Contract Id              #              Contract Id  

1

     **144997        31        **161462        61        **168955  

2

     **145352        32        **162327        62        **169003  

3

     **146455        33        **162328        63        **169341  

4

     **147131        34        **162397        64        **169489  

5

     **148128        35        **162406        65        **169619  

6

     **148539        36        **162452        66        **170241  

7

     **148831        37        **163121        67        **170386  

8

     **149101        38        **163953        68        **170511  

9

     **149663        39        **164370        69        **170737  

10

     **150990        40        **164483        70        **170755  

11

     **151178        41        **164672        71        **171185  

12

     **153497        42        **164904        72        **171378  

13

     **153920        43        **165196        73        **171394  

14

     **154423        44        **165371        74        **171440  

15

     **155462        45        **165521        75        **171513  

16

     **156740        46        **165608        76        **171536  

17

     **156767        47        **166573        77        **171604  

18

     **156878        48        **166645        78        **171636  

19

     **157050        49        **166712        79        **171692  

20

     **157236        50        **167149        80        **171753  

21

     **157294        51        **167542        81        **171758  

22

     **157766        52        **167567        82        **171761  

23

     **158050        53        **167585        83        **171762  

24

     **158763        54        **168120        84        **171915  

25

     **159220        55        **168156        85        **171916  

26

     **159470        56        **168481        86        **171931  

27

     **160157        57        **168514        87        **171960  

28

     **160340        58        **168660        88        **172106  

29

     **160732        59        **168735        89        **172171  

30

     **160820        60        **168857        90        **172756  


#

   Contract Id              #              Contract Id  

91

     **173168        121        **177179  

92

     **173332        122        **177184  

93

     **173353        123        **177236  

94

     **173376        124        **177330  

95

     **173445        125        **177379  

96

     **173478        

97

     **173918        

98

     **173961        

99

     **174006        

100

     **174083        

101

     **174203        

102

     **174290        

103

     **174340        

104

     **174422        

105

     **174547        

106

     **175386        

107

     **175401        

108

     **175654        

109

     **175655        

110

     **175810        

111

     **175847        

112

     **175967        

113

     **175996        

114

     **176404        

115

     **176409        

116

     **176967        

117

     **176969        

118

     **177136        

119

     **177138        

120

     **177177        


THE FOLLOWING PAGE CONSTITUTES EXHIBIT B.


Exhibit B

 

        #        

  

Attribute Name in Data Files

  

Source Documents / Instructions

1    Contract Id    Unique identifier for information purposes only.
2    vin    Sales contract
3    Amount Financed    Sales contract
4    current scheduled payment    Sales contract, Servicing System Screenshot
5    original term    Sales contract, Servicing System Screenshot
6    original interest rate    Sales contract
7    origination date    Sales contract
8    First payment date    Sales contract, Servicing System Screenshot
9    original maturity date    Sales contract, Servicing System Screenshot
10    FICO    Credit report, Servicing System Screenshot
11    borrower mailing state    Sales contract, Servicing System Screenshot
12    vehicle make    Sales contract, Servicing System Screenshot
13    vehicle model    Sales contract, Servicing System Screenshot
14    vehicle year    Sales contract
15    remaining term    Recompute as the sum of (A) the number of months between the original maturity date and the Cutoff Date and (B) the number of deferments (in months)
GRAPHIC 3 g369069dsp6aaaa2.jpg GRAPHIC begin 644 g369069dsp6aaaa2.jpg M_]C_X 02D9)1@ ! $ 8 !@ #__@ ?3$5!1"!496-H;F]L;V=I97,@26YC M+B!6,2XP,0#_VP"$ @&!@<&!0@'!P<*"0@*#18.#0P,#1L3%! 6(!PB(1\< M'QXC*#,K(R8P)AX?+#TM,#4V.3HY(BL_0SXX0S,X.3H.$A8:' MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7 MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1 (! @0$ P0'!00$ $"=P ! @,1 M! 4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)BH*#A(6& MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76 MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_ !$( &X!5P,!$0 "$0$#$0'_V@ , M P$ A$#$0 _ /?Z &-+&APSJ#[F@!/M$/\ SU3_ +ZIV /M$/\ SU3\Z+"N M'GQ8R'7'KFIN,//A_P">J?\ ?558 ^T0_P#/5/\ OJBP )XB0 ZD^QJ6[:B[ M(/M$/_/5/^^A56"X?:(?^>J?]]46&'VB'IYB_G2V%J?]]"BS%=#E=7 *D$>HI;#6HZ@ H * "@ H * "@ H M* "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@!* .:O+&TOO&T: M7EK#<*M@2!+&' /F#UK:,I1A>+L8R2E.S1I_\(YH?_0&L/\ P&3_ J?;5/Y MG]Y7LJ?\J^X0^'-$Q_R!K'_P&3_"CVU3^9_>'LH+[*^XYV^TRPBUV6UCL;=+ M>1K,O$L2A&^>7J,8/05M&<^6]^C,7&/.UYHZ/_A'-$_Z UC_ . R?X5C[:I_ M,_O-O94_Y5]P?\(YH?\ T!K'_P !D_PH]M4_F?WA[*G_ "K[C!UO2["PUC0W MM+&VMV::4%HHE0D>0_!P*UISFXRN^WYF[Z19,[6\ M9)-NA).T>U34JU%-KF?WCA3@XI\J^XO?\(YH?_0&L?\ P&3_ J/;5/YG]Y? MLJ?\J^XS/$&A:1!H&H2Q:59QR) S*RP*""!U!QQ5TZE1S2N_O)G3@H.R':;I M&FWNH:S+=Z?;3R"\QNEA5CCRX^,D4YU)Q22;V)A3@[W2>KZ&C_PCFA_] :Q_ M\!D_PK/VU3^9_>:>RI_RK[A#XE# Y74O\ D9S];+_T.6NB/P?><\M)_-'59KG.@6@#F?$W_(5T M'_KO-_Z(DK:E\,OE^9C/XH_UT-?0_P#D7]-_Z]H__0145/C?J73^!>A?J"S) M\2_\BWJ7_7N_\JUH_P 2)%3X6-T3_C[UK_K^/_HJ.BI]GT1-/KZFQFLC40]* M ,OP_P#\@Z7_ *^[G_T>]7/&=Y; M,H5D)&!OSGCZ5Z&%PZKP=W:QPXFNZ,E9&S?>-CHO@FUUK5((UO;F,-%:HQ&X MGD#GG@$$UC'#\]7DAL:RKJ%-3D9/@[QWX@\6:D(TTBWAL8S^^N,L0O\ LCU) MK;$8:G16LM3*CB*E5[:&3X\\X)(KCEA7&LJ;>YU+$*5)S70\WU#XL:CJ%S M8S/IMLAM79U 9N=R,O/_ 'U7HQP$8JW,]3A>,DW>VQ[3I4\5KX6L;B9UCBCL MXV=F. H"#)KQYIRJ-+N>I%\L$WV/+;SXV7:WLRV6EP-;!B(VD9@Q7L3BO4CE MT>5.3U/.ECFI62.NT_Q%<^)?AMJ.JWD$5MNCE"A"<;5&,\^^?RKDE25*O&$6 M=,:KJ47)G'ZK\57TO4M2@T.WAN5FN?,6XDW%3\BKPHQW4\YKKA@N=*4W;1'/ M/%N$FHKJ9]UX^^(-G"+NYMY+>V.,.]CM0_B15K"X5NR>OJ9O$XA*[6AV/P[^ M(=UXGOIM,U*")+E(_-22($!P" 01GKS7)B\*J*YEL=6&Q+JOE9V7A[_D'2_] M?=S_ .CWKCG\1U0V-:H- H * "@ H * "@ H * "@ H * "@ H * "@ H * M"@ H * "@ H * "@ H * "@!#0!\X_$;5(]2\?W;-E[>V98,#KA?O ?CNKZ# M"4W&A;N>'B9\U9OL6-.L=6^*/BAWEE$%M"HW;>5@C[*H[G_Z^:F;C@Z=ENQP M4L3/79'NNF:;9:!H\5I:HL-M;IS[XZL??O7ARDZLKL]B,53C9'SI;ZM97WCY M=7U1B+-[PW$GREOE!R!C\ *^@=.4:')'>QX:G%UN:6QUOQ$^(.G^(M*BTC1Q M,ZO('D=H]N<=% Z]?Y5RX3"RI2"?_KUY M^&H6J2JRZ7.W$5O<4(G#>(="?P_!IMK=+MOYHC<3+_<#'"J?H%)_X%7=1J>U M;?0XZM/V:2Z[G?\ BB_;P[\)=%T>,[+B_B!?'!"'YV_5@/Q-<%"/M<4Y]CMJ MR]EAU#N-^#?AR&X-WKES&LGE/Y, 89VM@%F'OR!^=&856K4XL6!I)WG(W-:^ M)_A.Y6[TJ_L[RX@#&*0+&NU\'L=P.,BN>G@ZZM.+-:F+I:PDBWX!D\(:C>7- MYX=T>:TFMU"/)+GD-V'S'^[2Q/MH^[59>']E+6FK'4^'O^0=)_U]W/\ Z.>N M6?Q'1#8UJ@T"@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * M"@ H * "@ H * *>J7T>F:9=7TI 2WB:0Y.,X&:<8\\E%$RERQ;/!/ OA;_A M--5U6:^)\M8F8R>DSYVG\.3CVKW,56>'C&$3Q\-2]LY292\'WO\ PCOC-+;4 MFEMX6(KSC)*D'@X_"KQ"56CS1)HMT:O(]CUKQ[':Z-X*U"ZBFN_-= M!%'F]E()8XZ%L'@D_A7E8;FG54=/N/2KM0IN5S@OA7X1T[Q"=1NM5M?M$$.V M.-2Q4;CDD\$=L?G7?CL1.DU&#.+!T(33FV_P]\+VDZ3V^EB*:,Y5TGD!4 M^H.ZO.>+K-6U>I@ MER4G)^IYV*?-4446_BCHD'A^#0+&W:1A';NI+2,P)!7) )P,G)XJ<#4E4YVQ MXR"ARI"?#/PD_B+6'U745E:SMCE6+%3))VPPYXZ\>U&,K^RCR1%A*/M'S2,S MQI&-1^)%Q80-(R>?';)OD:1NP/+$GJ36E!N&&YQ5O?K\J.C^+^A_V>FE7%OY MQM@K0GS)7D"G@C&XG&0#^5<^ J$[<6R5G3.U^%'AZ%O"/VV8W"274S,/+N)(P57 MY1PI&>0:X<=6W4K&"S?,Q8DDDDDGDY))K@;;> MIW));%FD,* "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * M"@ H * "@ H S==T6VU_2Y-.O&D%O)@L(VVDX.>M7";IRYD1.*FN4K>&_"^G M>%[.6VTY'"2OO8R-N).,?TJJM:59WD32I1I*R,S7?AWH/B'4VU"]BE%PZ@,8 MGVAL="1ZUI3Q=2G'E6QG/#0G*Y;U7P;IVM:-::7>R7+6UKC8!+@M@8&X]^*F MG7G3FY*VI4Z$9QY6]"]H'A^P\-Z:MAIT;+"&+DL1=.FJ:M$ MU".*@T.13X%<*.I] MR?4YK.P M+!4T=O8V-OIME#9VL0BMX5"(@[ 5Q2DYN[.R,5%619I%!0 4 % !0 4 % !0 M 4 % !0 4 % &/>:ZMKJ4FG1V[SWGE))'$A&7W%ADY^ZHV\L?4=\ @%>[U^[ MMI-0<6,3VNGJ&G?[00Y^0.=J[<'@]V% %NPUE+S5[_3S$T;6NS:S'_6@HK$@ M=L;@#]1ZT 4[?Q.+N*=K>T=I!>?9+==X F/EAPV>R[26[\#N2!0!J6-S=S&1 M+RT^SR)CE)-Z.#W5L _F!0 ^SO!=MTN=5NM1U*UAEFF:-D7<6"[4 P0< \@D<4 1W^A:A)<75 MUI]Q%#@!1X?GM3))9-$C17BW%M&V=NT6ZPE M6].-W(SCCKR* )]#TFXL+Z^N98HH%N0G[F*=Y0&!8ELL!UW#@#M0!):P:K9W M]T$MK22UGN/-\PW+*Z@A0?EV$9X_O4 4%TO69?"LV@S064:M8-:K.EP['.S: M"5,8P._7\Z -71]"L-'A M;9(Y615DD!)9L>YYQR>/>@#3H * "@ H * "@ MH * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * M"@ H * .8UK4M2@U0Q0W]II\"1*T;W<):.=R3E2^0%Q@<=>O !8T M[Q%8ZG<"W@9EE:,RQAQCS(\@;A[@^[U84 5E\1ZA;E=1O([ !@D M#GK0!>TF_P!7&H+:ZM]D9KF%KB'[,C+Y04J&1LD[C\Z_,,9YX% &]0 4 % ! M0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 M% !0 4 % !0 4 % &3J6DW5]]HC343%;7,?ERQM$'(&,90D\$@]P1[4 5Y?# MTYED2WOUBM)98I7C:$L^Z/8 ^[H1&O4$]>: %M?#@M)+79=;HX4N(W5H^76 M9PYP<\8('KQ0!!X>\'V?A^Z$\$-BC)%Y*FVL$A9ER.789+'@=,#KQTP ;'V! M3JQOVD+,(?*1".$&S"D@DMRS@]5QUS[ 2,22XC#%5900K)G1ZMK,UVNZ&.^@ MMH0ER_ 98B/EP .7R>YR0>* +"Z[?#3?[1DL84M)81+ QN>?F*A5<;>"=W\. M[H1R<9 +F@ZN^K07+2P&"6WF\EUPX!.U6R-ZJW1AU'YT :U !0 4 % !0 4 M% !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 M 4 % >E &%>^%--O]5;499;^.Y8*&\C4)H5(7IE4<#U[4 6!X>T\:Q_:OE2 M?:<[L><_E[L8W>7G;NQQNQGWH NFVBDNX[K&98D9%;/0,5)'YJOY4 9]UX;L MKS4/MDK3Y\R.5HEF81LZ$%&*C@D;5_(>E $)\):49;AFCE,4V_,'FMY:ESER MJYP"3U(]3ZG(!H'3K0M,2F3-,EP_S'EU"A3_ ..+^5 &:/"FF[98]]T49=L: M_:& @&\/B/GY?F53Q_= [4 :&EZ9;:3',D#2LT\GFR/+(79WVAE ')ZY>7=GK$_V*58I9FL8"[+NVJ\ MLBL0/7!XH GN=5O[+5QI#,6EN6B:TF95^9!CS@< #*A2W3^,>E %#3;_ %*^ MM)#%=+9B&*67$,*?,PFD49R#QA1G&"?44 +%K^J75X9DCG2%+B&$KF 0X<(3 MDLWF9^DL?C]X&(^;@[L@\ #T% %71KM8=;M]2:VNXI-69UN'FB94&>8!D\# 7:!W+^ M] $GBO8M_=/)':7(%D"OGS;#:G+_ +Q1CG/^S@Y0#OP /$,%U>:>KR*VL_N) M;J1Y.;8* 2J_W2Y&-HZAB30!FZ=-,FL:;=77V9[RXU*X@D2,LMPB@R8+$-\R M !?E( ((Y R 7[Q!;6/B&&-N#J4"J)I"5)9(.').=A).?8GZ4 6?#\\UD;V MWCL%E*W #)I[)Y$0V*> S#'J0._;GD S%.F0:[$T-TD>FS64K&2VE;S)!A=S MSG.W$AQ@.WTPV .>P!*J// MX,\5))$D%O%YIMX;>4E(@(%.T$8!&[=D#C.1VH [U/N#Z4 +0 4 % !0 4 % M !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % #&AC=MS(I. M0@.,B@ L=.MM.MS!:ILC,CR$9SEF8LQ_$DT /^QVWF/+Y$?F.-K-L& M6'H30!(T2.H5E! P0/ITH 9+:P3.CRPH[1G*%E!*_3TH B;3+![C[0]G T^0 MWF-&"V1T.: )EMX4F:98D$K *7"C) Z#- "F&(AP8U(D^^"/O<8Y]>* "&WA MMHA%!$D48Z*B@ ?@* $2VAB9VCB1&D.7*J!N/J?6@!BV-I' \*6T2Q/DL@0; >6SUR.] #UMH4@\A8E$6-NP ;<>F/2@"4<#% '__9 end GRAPHIC 4 g369069dsp6b.jpg GRAPHIC begin 644 g369069dsp6b.jpg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end GRAPHIC 5 g369069dsp7.jpg GRAPHIC begin 644 g369069dsp7.jpg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end