-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, PRRR8JbF2qyhCwuMnsEbo++pMaU3ZU+G64IRh/ixYdRj8VMjccHc87Mr0mCkpA3j QnpL9DCugDlIKSuVD13f3A== 0000914317-08-001163.txt : 20080423 0000914317-08-001163.hdr.sgml : 20080423 20080423170306 ACCESSION NUMBER: 0000914317-08-001163 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20080423 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20080423 DATE AS OF CHANGE: 20080423 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST BANCORP /NC/ CENTRAL INDEX KEY: 0000811589 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 561421916 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-15572 FILM NUMBER: 08772318 BUSINESS ADDRESS: STREET 1: 341 NORTH MAIN ST STREET 2: PO BOX 508 CITY: TROY STATE: NC ZIP: 27371-0508 BUSINESS PHONE: 9105766171 8-K 1 form8k-92277_fbnc.htm FORM 8-K form8k-92277_fbnc.htm
 

UNITED STATES
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):
  
April 23, 2008

 
First Bancorp
(Exact Name of Registrant as Specified in its Charter)
         
North Carolina
  
0-15572
  
56-1421916
(State or Other Jurisdiction
  
(Commission
  
(I.R.S. Employer
of Incorporation)
  
File Number)
  
Identification Number)

         
341 North Main Street, Troy, North
Carolina
      
 
27371
(Address of Principal Executive Offices)
      
(Zip Code)

(910) 576-6171
(Registrant’s telephone number, including area code)

Not Applicable
(Former Name or Former Address, if changed since last report)


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

o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 

 
 
 
 

 
 
First Bancorp
 
INDEX
 
         
   
Page
         
Item 2.02 – Results of Operations and Financial Condition
    
3
  
         
Item 9.01 – Financial Statements and Exhibits
    
3
  
         
Signatures
    
4
  
         
Exhibit 99.1 News Release dated April 23, 2008
      Exhibit
 
 
       
       
       
2
 


 
 
 


Item 2.02 – Results of Operations and Financial Condition
 
On April 23, 2008, the Registrant issued a news release to announce its financial results for the three month period ended March 31, 2008.  The news release is attached hereto as Exhibit 99.1.  The news release includes disclosure of net interest income on a tax-equivalent basis, which is a performance measure used by management in operating its business, which management believes provides investors with a more accurate picture of net interest income and net interest margins for comparative purposes.
 

 
Item 9.01 – Financial Statements and Exhibits
 
(d)
Exhibits
  
     
 
Exhibit No.
Description
     
 
99.1
Press release issued on April 23, 2008

 
Disclosures About Forward Looking Statements
     The discussions included in this document and its exhibits may contain forward looking statements within the meaning of the Private Securities Litigation Act of 1995, including Section 21E of the Securities Exchange Act of 1934 and Section 27A of the Securities Act of 1933.  Such statements involve known and unknown risks, uncertainties and other factors that may cause actual results to differ materially.  For the purposes of these discussions, any statements that are not statements of historical fact may be deemed to be forward looking statements. Such statements are often characterized by the use of qualifying words such as “expects,” “anticipates,” “believes,” “estimates,” “plans,” “projects,” or other statements concerning opinions or judgments of the Registrant and its management about future events.  The accuracy of such forward looking statements could be affected by such factors as, including but not limited to, the financial success or changing conditions or strategies of the Registrant’s customers or vendors, fluctuations in interest rates, actions of government regulators, the availability of capital and personnel or general economic conditions.
 
3
 


 
 
 

 
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 thereunto duly authorized.
 
             
           
First Bancorp
             
   
 
April 23, 2008
  
 
By:
  
 
/s/ Jerry L. Ocheltree
           
Jerry L. Ocheltree
           
President and Chief Executive Officer
             
             
             
             
4

 EX-99.1 2 ex99-1.htm EXHIBIT 99.1 ex99-1.htm


First Bancorp
 
News Release

For Immediate Release:
For More Information,
April 23, 2008
Contact:  Jerry L. Ocheltree
 
910-576-6171

First Bancorp Reports First Quarter Results



TROY, N.C. – First Bancorp (NASDAQ - FBNC), the parent company of First Bank, announced first quarter net income today of $5,529,000, a 13.2% increase over the $4,886,000 recorded in the first quarter of 2007.  Diluted earnings per share for the first quarter of 2008 amounted to $0.38, an 11.8% increase over the $0.34 reported for the first quarter of 2007.

Key performance ratios for the three months ended March 31, 2008 include:

 
·
Annualized return on average assets of 0.99%
 
·
Annualized return on average equity of 12.45%
 
·
Annualized net charge-offs to average loans of 0.18%
 
·
Nonperforming assets to total assets at quarter end of 0.51%

During the first quarter of 2008, the Company experienced good growth in loans and deposits.  Loans outstanding grew by $40 million, or 8.4% on an annualized basis, while deposits grew by $83 million, or 18.2% on an annualized basis.  Approximately $27 million of the deposit growth was attributable to a single customer and is expected to remain with the Company only temporarily.  Excluding that account, the Company’s deposit growth was $56 million, or 12.2% on an annualized basis.

Total assets at March 31, 2008 amounted to $2.4 billion, 9.3% higher than a year earlier.  Total loans at March 31, 2008 amounted to $1.93 billion, an 8.9% increase from a year earlier, and total deposits amounted to $1.92 billion at March 31, 2008, a 10.1% increase from a year earlier.

The growth in loans and deposits was the primary reason for an increase in the Company’s net interest income when comparing the first quarter of 2008 to the first quarter of 2007.  Net interest income for the first quarter of 2008 amounted to $19.8 million, a 4.8% increase over the $18.9 million recorded in the first quarter of 2007.

The impact of the growth in loans and deposits on the Company’s net interest income was partially offset by a decline in the Company’s net interest margin (tax-equivalent net interest income divided by average earning assets).  The Company’s net interest margin in the first quarter of 2008 was 3.79%, an 18 basis point decline from the 3.97% margin realized in the first quarter of 2007 and a 19 basis point decline from the 3.98% margin realized in the fourth quarter of 2007.  The Company’s net interest margin has been negatively impacted by the Federal Reserve lowering interest rates by a total of 300 basis points since September 2007. When interest rates are lowered, the Company’s net interest margin declines, at least temporarily, as most of the Company’s adjustable

 
 
 

rate loans reprice downward immediately, while rates on the Company’s customer time deposits are fixed, and thus do not adjust downward until they mature.

The Company’s provision for loan losses amounted to $1,533,000 in the first quarter of 2008 compared to $1,121,000 in the first quarter of 2007.  The primary reason for the higher provision is a negative trend in asset quality.  Although the Company has no subprime exposure, consistent with current economic conditions, the Company has experienced modest increases in its delinquencies and classified assets.  However, the Company does not believe that these trends will materially impact its financial condition in the foreseeable future.  The ratio of annualized net charge-offs to average loans was 0.18% in the first quarter of 2008 compared to 0.14% in the first quarter of 2007.  The Company’s ratio of nonperforming assets to total assets was 0.51% at March 31, 2008 compared to 0.38% at March 31, 2007.

Noninterest income amounted to $5.4 million for the first quarter of 2008, a 26.9% increase from the first quarter of 2007.  The primary reason for the increase was a 41% increase in service charges on deposit accounts. These higher service charges were primarily associated with the Company expanding the availability of its customer overdraft protection program in the fourth quarter of 2007 to include debit card purchases and ATM withdrawals. Previously the overdraft protection program, in which the Company charges a fee for honoring payments on overdrawn accounts, only applied to written checks.  Additionally, the line item “Other gains (losses)” was positively impacted by the Company recording a gain of $306,000 related to the VISA initial public offering that occurred in March 2008.  The Company was a member/owner of VISA and received a portion of VISA’s offering proceeds.

Noninterest expenses amounted to $14.8 million in the first quarter of 2008, a 4.5% increase over 2007.  This increase is primarily attributable to the Company’s growth.  Additionally, the Company recorded FDIC insurance expense of $245,000 in the first quarter of 2008 compared to none in the first quarter of 2007 as a result of the FDIC recently beginning to charge for FDIC insurance again in order to replenish its reserves.

The Company’s effective tax rate was 37%-38% for each of the three month periods ended March 31, 2008 and 2007.

Jerry L. Ocheltree, President and CEO of First Bancorp, commented on the quarter’s results, “We continue to experience solid financial results in the face of difficult industry conditions.  We remain focused on providing the best in community banking to our existing customers, as well as reaching out to new customers.  In March, we opened a new branch in Fort Chiswell, Virginia, which represents our fifth branch in the growing southwestern region of Virginia.  On April 1, we completed the merger acquisition of Great Pee Dee Bancorp, Inc., the holding company of Sentry Bank & Trust, which has three branch offices located in Cheraw and Florence, South Carolina.”

Mr. Ocheltree continued, “I would like to extend a warm welcome to our Sentry Bank & Trust customers.  We are honored to have the opportunity to serve you.”

Mr. Ocheltree added, “I would like to invite our friends and shareholders to our Annual Shareholders Meeting to be held at 3:00 P.M. on May 15, 2008 at the James H. Garner Conference Center located at 211 Burnette Street in Troy.  I think you will find the meeting to be informative, and I always enjoy meeting and talking with my fellow shareholders.  Also, I know you will want to meet and welcome Jim Crawford, who joins us as a director from Great Pee Dee Bancorp.”

Mr. Ocheltree noted the following corporate developments:

 
 
 

 
·
On April 1, 2008, the Company announced the completion of the merger acquisition of Great Pee Dee Bancorp, Inc.  Great Pee Dee was the holding company for Sentry Bank & Trust, a three-branch community bank headquartered in Cheraw, South Carolina, with offices in Cheraw and Florence, South Carolina.  As of December 31, 2007, Great Pee Dee had total assets of $221 million, total loans of $172 million, and total deposits of $155 million.  The conversion of Sentry Bank & Trust to First Bank is expected to occur on May 16, 2008.

 
·
On March 10, 2008, the Company opened a full-service bank branch in Fort Chiswell, Virginia at 131 Ivanhoe Road (Max Meadows, Virginia).  This represents the Company’s fifth branch located in southwestern Virginia.

 
·
On March 3, 2008, the Company announced a quarterly cash dividend of 19 cents per share payable on April 25, 2008 to shareholders of record on March 31, 2008.  This is the same dividend rate the Company paid in the comparable quarter of 2007.

 
·
There was no stock repurchase activity during the first quarter of 2008.


First Bancorp is a bank holding company headquartered in Troy, North Carolina with total assets exceeding $2.5 billion.  Its principal activity is the ownership and operation of two financial institution subsidiaries - First Bank and Sentry Bank & Trust.  The two bank subsidiaries operate a total of 74 branches. Sentry Bank & Trust operates two branches in Cheraw, South Carolina and one branch in Florence, South Carolina.  First Bank operates 71 branch offices, with 63 branches operating in a 21-county market area in the central piedmont and coastal regions of North Carolina, 3 branches in Dillon County, South Carolina, and 5 branches in Virginia (Abingdon, Dublin, Fort Chiswell, Radford, and Wytheville), where First Bank does business as First Bank of Virginia. First Bank also has a loan production office in Blacksburg, Virginia. First Bancorp’s common stock is traded on the NASDAQ Global Select Market under the symbol “FBNC.”

Please visit our website at www.FirstBancorp.com.  For additional financial data, please see the attached Financial Summary.

This press release contains statements that could be deemed forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties.  Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact.  Such statements are often characterized by the use of qualifying words (and their derivatives) such as “expect,” “believe,” “estimate,” “plan,” “project,” or other statements concerning opinions or judgments of the Company and its management about future events.  Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of the Company’s customers, the Company’s level of success in integrating acquisitions, actions of government regulators, the level of market interest rates, and general economic conditions.  For additional information about the factors that could affect the matters discussed in this paragraph, see the “Risk Factors” section of the Company’s most recent report on Form 10-K.

 
 
 



First Bancorp and Subsidiaries
Financial Summary

   
Three Months Ended
March 31,
    
Percent
($ in thousands except per share data - unaudited)
  
2008
    
2007
    
Change
                   
INCOME STATEMENT
                  
                   
Interest income
                  
   Interest and fees on loans
   $ 33,939       33,211        
   Interest on investment securities
     1,925       1,672        
   Other interest income
     443       653        
      Total interest income
     36,307       35,536       2.2 %
Interest expense
                        
   Interest on deposits
     14,400       13,979          
   Other, primarily borrowings
     2,143       2,691          
      Total interest expense
     16,543       16,670       (0.8 %)
        Net interest income
     19,764       18,866       4.8 %
Provision for loan losses
     1,533       1,121       36.8 %
Net interest income after provision for loan losses
     18,231       17,745       2.7 %
Noninterest income
                        
   Service charges on deposit accounts
     3,076       2,177          
   Other service charges, commissions, and fees
     1,367       1,259          
   Fees from presold mortgages
     198       327          
   Commissions from financial product sales
     399       459          
   Data processing fees
     50       47          
   Securities gains
  
─
    
─
          
   Other gains (losses)
     285       (33 )        
      Total noninterest income
     5,375       4,236       26.9 %
Noninterest expenses
                        
   Personnel expense
     8,554       8,121          
   Occupancy and equipment expense
     1,987       1,876          
   Intangibles amortization
     79       94          
   Other operating expenses
     4,151       4,039          
      Total noninterest expenses
     14,771       14,130       4.5 %
Income before income taxes
     8,835       7,851       12.5 %
Income taxes
     3,306       2,965       11.5 %
Net income
   $ 5,529       4,886       13.2 %
                         
                         
Earnings per share – basic
   $ 0.38       0.34       11.8 %
Earnings per share – diluted
     0.38       0.34       11.8 %
                         
ADDITIONAL INCOME STATEMENT INFORMATION
                        
   Net interest income, as reported
   $ 19,764       18,866          
   Tax-equivalent adjustment (1)
     164       124          
   Net interest income, tax-equivalent
   $ 19,928       18,990       4.9 %
                         
   
 
(1)
This amount reflects the tax benefit that the Company receives related to its tax-exempt loans and securities, which carry interest rates lower than similar taxable investments due to their tax exempt status.  This amount has been computed assuming a 39% tax rate and is reduced by the related nondeductible portion of interest expense.

 
 
 



First Bancorp and Subsidiaries
Financial Summary - page 2

   
Three Months Ended
March 31,
    
Percent
PERFORMANCE RATIOS (annualized)
  
2008
  
2007
  
Change
Return on average assets
     0.99 %     0.95 %      
Return on average equity
     12.45 %     11.89 %      
Net interest margin - tax equivalent (1)
     3.79 %     3.97 %      
Efficiency ratio - tax equivalent (1) (2)
     58.38 %     60.84 %      
Net charge-offs to average loans
     0.18 %     0.14 %      
Nonperforming assets to total assets (period end)
     0.51 %     0.38 %      
                       
SHARE DATA
                      
Cash dividends declared
   $ 0.19       0.19       0.0 %
Stated book value
     12.37       11.50       7.6 %
Tangible book value
     8.83       7.92       11.5 %
Common shares outstanding at end of period
     14,387,599       14,367,868          
Weighted average shares outstanding - basic
     14,380,599       14,360,111          
Weighted average shares outstanding - diluted
     14,446,357       14,492,159          
Shareholders’ equity to assets
     7.48 %     7.59 %        
                         
AVERAGE BALANCES ($ in thousands)
                        
Total assets
   $ 2,254,422       2,080,375       8.4 %
Loans
     1,915,328       1,756,846       9.0 %
Earning assets
     2,113,394       1,939,712       9.0 %
Deposits
     1,858,237       1,712,738       8.5 %
Interest-bearing liabilities
     1,827,163       1,681,225       8.7 %
Shareholders’ equity
     178,597       166,637       7.2 %

 (1)  See footnote 1 on page 1 of Financial Summary for discussion of tax-equivalent adjustments.
 (2)  Calculated by dividing noninterest expense by the sum of tax-equivalent net interest income plus noninterest income.


 
TREND INFORMATION
($ in thousands except per share data)
   
For the Three Months Ended
  
 
INCOME STATEMENT
  
March 31,
2008
    
December 31,
2007
    
September 30,
2007
    
June 30,
2007
    
March 31,
2007
  
                               
Net interest income - tax equivalent (1)
   $ 19,928       20,718       20,313       19,818       18,990  
Taxable equivalent adjustment (1)
     164       155       136       140       124  
Net interest income
     19,764       20,563       20,177       19,678       18,866  
Provision for loan losses
     1,533       1,475       1,299       1,322       1,121  
Noninterest income
     5,375       5,103       4,277       4,857       4,236  
Noninterest expense
     14,771       14,999       13,941       14,510       14,130  
Income before income taxes
     8,835       9,192       9,214       8,703       7,851  
Income taxes
     3,306       3,430       3,471       3,284       2,965  
Net income
     5,529       5,762       5,743       5,419       4,886  
                                         
Earnings per share – basic
     0.38       0.40       0.40       0.38       0.34  
Earnings per share – diluted
     0.38       0.40       0.40       0.37       0.34  
  (1)  See footnote 1 on page 1 of Financial Summary for discussion of tax-equivalent adjustments.

 
 
 


First Bancorp and Subsidiaries
Financial Summary - page 3

 
PERIOD END BALANCES ($ in thousands)
  
March 31,
2008
    
December 31,
2007
    
March 31,
2007
    
One Year
Change
Assets
   $ 2,380,134       2,317,249       2,177,282       9.3 %
Securities
     153,018       151,754       140,241       9.1 %
Loans
     1,933,855       1,894,295       1,776,130       8.9 %
Allowance for loan losses
     21,992       21,324       19,478       12.9 %
Intangible assets
     50,941       51,020       51,300       -0.7 %
Deposits
     1,921,443       1,838,277       1,745,593       10.1 %
Borrowings
     212,394       242,394       198,013       7.3 %
Shareholders’ equity
     177,981       174,070       165,159       7.8 %
   



   
For the Three Months Ended
  
 
YIELD INFORMATION
  
March 31,
2008
  
December 31,
2007
  
September 30,
2007
  
June 30,
2007
  
March 31,
2007
                               
Yield on loans
     7.13 %     7.61 %     7.79 %     7.76 %     7.67 %
Yield on securities - tax equivalent (1)
     5.71 %     5.27 %     5.07 %     5.31 %     5.26 %
Yield on other earning assets
     3.49 %     5.56 %     5.66 %     5.76 %     5.97 %
   Yield on all interest earning assets
     6.94 %     7.39 %     7.54 %     7.53 %     7.46 %
                                         
Rate on interest bearing deposits
     3.56 %     3.78 %     3.89 %     3.84 %     3.78 %
Rate on other interest bearing liabilities
     4.35 %     5.64 %     6.16 %     6.02 %     6.03 %
   Rate on all interest bearing liabilities
     3.64 %     3.96 %     4.10 %     4.06 %     4.02 %
                                         
        Interest rate spread - tax equivalent (1)
     3.30 %     3.43 %     3.44 %     3.47 %     3.44 %
        Net interest margin - tax equivalent (2)
     3.79 %     3.98 %     4.00 %     4.03 %     3.97 %
                                         
        Average prime rate
     6.22 %     7.53 %     8.18 %     8.25 %     8.25 %
                                         
(1)
See footnote 1 on page 1 of Financial Summary for discussion of tax-equivalent adjustments.
(2)
Calculated by dividing annualized tax equivalent net interest income by average earning assets for the period.  See footnote 1 on page 1 of Financial Summary for discussion of tax-equivalent adjustments.

 

                               
 
ASSET QUALITY DATA ($ in thousands)
  
March 31,
2008
  
December 31,
2007
  
September 30,
2007
  
June 30,
2007
  
March 31,
2007
                               
Nonaccrual loans
   $ 8,799     7,807     6,941     6,457     5,871
Restructured loans
     5     6     7     7     8
Accruing loans > 90 days past due
     -     -     -     -     -
     Total nonperforming loans
     8,804     7,813     6,948     6,464     5,879
Other real estate
     3,289     3,042     2,058     1,830     2,351
     Total nonperforming assets
   $ 12,093     10,855     9,006     8,294     8,230
Net charge-offs to average loans - annualized
     0.18 %     0.17 %     0.17 %     0.16 %     0.14 %
Nonperforming loans to total loans
     0.46 %     0.41 %     0.38 %     0.36 %     0.33 %
Nonperforming assets to total assets
     0.51 %     0.47 %     0.39 %     0.38 %     0.38 %
Allowance for loan losses to total loans
     1.14 %     1.13 %     1.12 %     1.12 %     1.10 %
   
   

GRAPHIC 3 fbnc.jpg LOGO begin 644 fbnc.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_X0!F17AI9@``24DJ``@````$`!H!!0`! M````/@```!L!!0`!````1@```"@!`P`!`````@```#$!`@`0````3@`````` M``!@`````0```&`````!````4&%I;G0N3D54('8T+C`P`/_;`$,``@$!`0$! M`@$!`0("`@("!`,"`@("!00$`P0&!08&!@4&!@8'"0@&!PD'!@8("P@)"@H* M"@H&"`L,"PH,"0H*"O_;`$,!`@("`@("!0,#!0H'!@<*"@H*"@H*"@H*"@H* M"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"O_``!$(`"L! MD`,!(@`"$0$#$0'_Q``?```!!0$!`0$!`0```````````0(#!`4&!P@)"@O_ MQ`"U$``"`0,#`@0#!04$!````7T!`@,`!!$%$B$Q008346$'(G$4,H&1H0@C M0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I*C0U-CH.$A8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJ MLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X M^?K_Q``?`0`#`0$!`0$!`0$!`````````0(#!`4&!P@)"@O_Q`"U$0`"`0($ M!`,$!P4$!``!`G<``0(#$00%(3$&$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B M7J"@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>X MN;K"P\3%QL?(RKR\_3U]O?X^?K_V@`,`P$` M`A$#$0`_`.F_X.0_C#\7/`7[?&C:+X%^*7B/1;-_AII\KVFDZY<6T32&\O@7 M*QN`6(4#.,\#TKX)T7]H']IO7]8M-"TWX^^-6N+VYC@MU;Q;=@%W8*H),G') M%?:?_!S?_P`I"]$_[)=IW_I;?U\%_"G_`)*CX:_[#]G_`.CTKDE\3/\`0GPW MPF#_`.(=X"HZ47+V*>L4^Y]]_P##G'_@N=_T.6J?^';_`/M]?4'[!G['7_!0 M+]CO]G3]I+Q'^UWXFU!_[2^%=T?#$[>-3J+P3P6E\TCH1(QA8;HR&&"2!Z5^ MI5>:_MF_\F??%?\`[)KKO_IOGK5TE%-W/Y9Q7BWQ#Q+".6XK#T(TZDZ:;A3: MEI.,M'S/JM=-KG\O?_#2_P"T=_T%OC)XKTVPMM6M%MK'3_$-S##$#I]L2%1'"KR2>!U)KQ/\` M9_\`%G[77[1_QJ\,_`CP+^T9XHM]8\5:M%IVG3ZGXPODMTED.`9&1F8+[A2? M:O0O^"VW_*4OXO?]ABS_`/3=:US/_!*'_E)%\%_^Q^L?_0ZEGLY13P^#\-\/ MBZ=*'/#"0FFXIZJBFKZ:Z[G1?MB_#C_@I3_P3I^*%CX(^,_QV\8V%WJ-H;O1 M=:T'QW?26M]$K;6,4F]6#*V`RLJL,J<892?HG_@EO_P7K^/?PR^*VC?"#]L; MQ]<>+O`^LW<=E_PD>L$/J&AN[!5G:?[T\`)'F"0LRK\RM\NQO7_^#K"^T,Z% M\%-,9XSJ8N]=E101O6#;8AB>X!;;]=I]*_'6W@GNITMK6%I)9'"QQHN69B<` M`#J2:IKDEH>'PS@,I\4/#RCBE][7NM5H?U:? MM@?M2^`OV-_VWLH9`LE_[]IC5/A_JGQVD\-^&K&S?4=1TZWN)HM(T>S\Q41$M8F'V MJ4E@`9"6;#$N`*^K/^#A"?Q_X/\`^"8'P4\!^*;F87K:WI,/B0LQS)=0:1,& M#>O[S>WU4'M7YC?L$_MY?&+_`()\?&O_`(7%\)(;*]6[LC8Z[H>IJQM]1M"Z MN4)4AHW#*&61>5(Y#*64NZ3DU)WV^%/1,^\OBG_`,&V/[3WP#\.2_$[]DG]K0ZWXFTR$SQ:;#I\VAW< MY49VV]Q' M)]1B\N]%U"K%["\X&]R$?;(PW[UV-N+`CW_]CW_@X!_8=_::>T\+_$'6I_AG MXFN-J&P\5RK]AED/:*]7$>,\?O1$3V!KP[0O^"*O[4&M?\%49OVZK'Q5X(TC MP7'\6U\465G%J60NQ,=J1PF-6E3<>9.K\T62:<#PZV<9AFN68_*?$2G M&G6C3)_B[XJ\2^$/ M$6KKI.H>([ZYTM5^*JQ`6\EP[Q@)]H&SY"ORXXZ5\4?'#QA^V9^SO\6==^"? MQ2^-_C&T\0>'+TVFJVT'C2YF2.4*&P'24JPPPY!K^J.OYC_^"PO_`"DT^,?_ M`&-K?^B8J4X*%K,^M\'./)=9P#S_P`7<7_Y(KX]_86_Y/<^#G_95/#W_IRMZ_JPIP@I M]3M\8..\QX#S#"T,NP]%JK&4GST[NZ:2M:42*QCEBLH8IOOK$H?G/('-2T45 MTG\8MW9^`_\`P<`_&GXQ^"/^"DWB'P_X+^+7B;2+!/#NDNEEIFO7%O"K-;*2 M0B.`"3U..:^0_AS\7_VH_B=\0M!^&VA?M$>+X;[Q#K-KIEG+=^+;U8DEGE6) M&/],TGXZ?$/5/B)X#FN4BUBQ\03_:=0M(20&FMKE_WA=1SY M\79;I[WMV/Z M]O#?B'1O%WAZP\5^'-1CO-/U.RBN["[A.4FAD0.CK[%6!'UK\QO^#FO]J'Q? M\*_A;\-O@K\._&NI:-J6OZY=:O?W&D:A);S"VM8A$B,T;!MCO#/$WPZ_8Z^%?@+QG!)%JVC_#S1K/4H91\T4\=E$KH?=6!7\*_%C_`(+B M:SXP_;*_X*P7'P$^&L?VZY\*^'[?0]/@0DJTL=O+J%R>.X,KJ?\`KECM6E27 M[M7ZG\W^$.1X/$^([=1J5#"*K4- M_P#PJ[S_`..5_1[_`,$B_CI>?M#?\$Z_A?X^UC5I+W4[?0!I.JW$\I>62XLI M&M2\C'EG<1*Y)Y._)ZU_,97[<_\`!K=\9_\`A(/V>OB+\![V[W3>&?%,&K6< M;MRL%[!Y95?826C-]9?>HINTS]S\?N'\/7X'6,HTU&5"I&3:27NRO!K3SE%_ M(W_^#FKQ_P"._A]^S/\`#O4?`7C;5]#N)_'4D<\^D:E+;/(GV*4[6:-@2,@' M!XXK\W_^":'_``5+^,7[(/[4FC^./BA\2_$?B'P7JA&G>+M-U35I[L):2,/] M)B61FQ+$P#C'+*'3/SU^A/\`P=,_\FM?#;_L?Y/_`$AFK\/J*GQE>#V195GO MA5'"XRDI1J.K%Z*]G)[/=-;I]'J?U\^']?T7Q5H5EXF\-ZI!?:?J-K'N[M4T6W MDN_A[=W,F6N;(9>:QR>K19,B#G]V7'`B%=]_P=#?\F$^$/\`LKEC_P"FS4ZT MW7PZTJ6ZO+N=I)9G-NA+N[$EF)Y))R:^`?^"RG_!=7QG\+ M_'>J_LG?L6Z]#9ZEI,C6OB[QU$BRR6]P.'M+/<"JNGW7F()5LJFTKNKZ+\*_ MM'77[)G_``02\,?'C2YUCU+1_@MI<>BNW\-_<0Q6ULV.^V:9&(]%-?SQ7M[> M:E>S:CJ-W)/<7$K23SS.6>1V.69B>22222:AR?(DNQ]YX5>'N6\0\49EF^8T MU.C1KSA"#5XN?,VW);-13C9/1N6NQ]2?L-_L0_M1?\%=_C3K-K??%V[>'1+> M.Z\3^,?%MY<7[6_G,PBC568M)*Y1R%W*,1L2PP`?;/C;\.?^"B?_``0`^*OA MGQ3X+^.TOB?P)K5P5MH@9AI5^\>#+9W-G([""4H M%K.S_9-^(GC1+<"YU'XABSDEQRT=O8V[H,^@-R_YFO5/^#A[X=:C\3/^"?0T M/PYX6N]9UN/QWI+:'8:=9O/<2W#M+#MC1`69BDCC`'IG/B%BJOBE M_JQB*5.67.4:+IRA&WO15YWM=6D_116U]3ZG_91_:.\&?M;?L[^%/VB?`0:/ M3O$^EK<_99'#/:3`E)K=B."T"Y=#N_#!UOQ+:Z-=72-+'8+;+<*D@1F\IV=)?D/S#<,@$D5^` M/C_QSXG^)WCK6?B/XUU1[W6->U2?4-4NY#S-<32-)(WXLQXJI3ERI'@>&7AK MP_F_&V8UJEJ^#PE1QIJZE&;;;C=JZDHQ6JVDVKW5T?2O[&/[.?[3W_!8O]IN MX^'OCS]H/69_L>ERZMKWB;Q+=SZC]C@5TC`CA:10S,\B*J!D4#<>BX.9^TG\ M//VL?^"0O[6.H_!WP/\`'S6]-O=.B@OM*UWPY?36<.IVDHW1R/!O*GD.CQOO M7@Q3_`!#^,OB=HE+VNBZ-:H^.0)9KIV'X^2OY5Q7_``=& MZ%!:?MD^!/$,:`/>_#:.&0A>3Y5_=D<]^)*SY5RW/U"CQ3B:OBW5X3E"#P2H MI*GR1MS&M9\"^+]4T6\ MD^)ME%)=:3J$EM(T9L;XE"T;`E254XZ9`]*_#?\`9W^-/B?]G3XZ>$_CGX.N M'CU'PMKUMJ$(1\>:L;@O$?\`9=-R,.ZN17[3_P#!RSK^F^*O^"<_@GQ1HLXE ML]2^(VFW5I*/XXI--OG5OQ!!JN9NFTSX3/\`@++>%?%W*<1@::CA\3-OD^S& M)^>U. M#+P5"G)U,1"G)."=X2C-M*UK-\JL_P`#\>/V?O\`@JQ^WW^S?XFM=?\` M!?[2WB;4[:"56FT/Q1JDNIV-P@/,;17#-M!'&Z,HX[,#7]`O_!.;]NCP7_P4 M&_9IT[XX>&].73=2CG;3_$^A^;O_`+/OXU4N@;JT;*Z2(W4JX!Y!`_ESK]G_ M`/@U5T#Q=;?#7XQ>)[U)1H-YK>D6VFE@=ANX8;IKC;[[)K;/_`:JFVI6/D?' M;@[AY\(U,WITHTZ]*4+2BE%S4I*+C*UN:U^9-ZKE=M&S\]?^"@/[0?Q[T/\` M;H^,6C:+\;_%]G9VGQ,UN&UM;7Q+=1QPQK?3!455D`50```!@`5C?LF1?MG? MMD?M`:!^SA\+OVD?$5IKOB/[5]AN-:\97\5LOD6LUR^]HR[#*0L!A3R1T'(R M/^"BW_)_?QJ_[*GKW_I?-7K7_!!7_E+!\*?][6__`$R7]1%7LC]&Q7L,K\/9 MX^A2A[2EA7.-XIKFC2YE?OJM3D/VH+?_`(**_P#!/_XZ3?"/XL?'OQOH_B"U MMHKRROM(\&02*60LC+R`0R,"`17W#_P`$;O\`@N?\8/$WQ@T3 M]E/]LKQ0/$%GXDNDL?"_C*Z14O+6]?B*WN64`3)(V$60C>KL-Q93E,/_`(.H MM.TV+X[?"C5HD7[9/X3OX9V'4Q)^"=3UK1?&>D:SX;=UU& MTU.WFL&C.&$RR*R$8[[@*;;@]#YW+'M0U/2=?L=5T5"UY;7D M4MHHCWDRJX*C;WY`X[U^@_\`PVKVHK]3]!?^'QW_!=#_HF>H_\`AHY/_C5?H7^S MW\RQQP721'R"`5R@4YQ MSUK[5KS7]LW_`),^^*__`&377?\`TWSUI[.44VW_`%]Y_(.:<:9'Q#/#8;!Y M/1PDU6IRYZ=N9I.W+\*T=T]^B/Y1:_7O_@U,_P"0E\;_`/KAX?\`_0M0K\A* M_7O_`(-3/^0E\;_^N'A__P!"U"LX_&C^K/&K_DV6/_[A_P#IZF?%O_!;;_E* M7\7O^PQ9_P#INM:\5_97G^.UM^T7X.N/V8E=OB"FNPGPB$CMW)OL_N\"Y!A/ M/_/3Y?6O:O\`@MM_RE+^+W_88L__`$W6M+M13M)=4]FNJ,']NSQ[^VCXV^/U];?MX:IKTO MCO28$M9[37;>.`VL)&]%BBA58EC;>7!C&UMV[)SFOLC_`(-^?V#?V7OVA?BE M#\=?B;\9]+UCQ)X+NQ?Z?\+$MWCFBDC<>5?3M(`)XE?:P2(,H;9YC#[C1_\` M!T)I&G67[<'@W5+6W5)[WX8VQNF50"Y34+Y5)]3CCZ`5\7?L+_'3Q%^S=^U[ M\//C%X;U26U;2?%5G]O\MR!-922K'[&5FDXVE&ZU>J?]`G_``61_8Y\0?MJ_L,>(/AWX#L/ MM7BC0KJ'7O#%H.MS)U.&5E/*D$$$'D$5_1C_P6&_X*C^,?^":GA7P7<^!OA1IOB74/&?TWIC;WSQXA8_P#!+[X0_P#!8[]DCPC^V;\1 M[>Q^'7Q:\96-S>ZEK?@G32NGW7^E3)#]HM)9&,K")(\R"19&.26(`47-7)[CUM=2V4E*Z_#BOT+_X( MF_\`!6KXF_LT_&'P]^S)\8?%=QJWPR\2ZC%IMDNHSEV\.7,SA(I86;E;J9_0F/PG#'B- MPU.E&4:]"JGRR6O++I)=8RB^FCZ-6;1_8#7\Q_\`P6%_Y2:?&/\`[&UO_1,5 M?TK?#?4-4U;X>:#JFMJ5O;G1K66[!ZB5HE+_`/CQ-?S4_P#!87_E)I\8_P#L M;6_]$Q5K5=['\S?1R@Z?%V-@^E%K_P`J0//_`-A;_D]SX.?]E4\/?^G*WK^K M"OY3_P!A;_D]SX.?]E4\/?\`IRMZ_JPITNIV?25_Y'&7_P#7N?\`Z4@HHHK8 M_F<_GA_X.*?^4GOB3_L6M'_])5KXX^%&J^,]"^*7AK6_AQ8M=>(K/7[.?0;9 M(/-,UZDZ-`@3^,F0*-O?.*^Q_P#@XI_Y2>^)/^Q:T?\`])5KY<_9%_Y.O^&' M_90]%_\`2^&N2?Q,_P!%^"9JEX:X&;2=L-!V>SM36C\F>J_\%+?CO_P41^-? MCW0O^'@/A?7="O--L91X;TC4O#)TNW2-V7S9(4V*)"Q5`SY8_*HR``*[C_@C MQK/_``3*\-?'?1->_;4N_$*^(K?58W\-R:C#"/#5O@GI_ M7QJVOZ1H7A^Y\3ZE?1QV%G9O=7%R6&U(40NSY]`H)S7XC?\`!"G1[_\`:Z_X M*Q?$3]KKQ/9F6/3[;6-=#2+N$5WJ5PT,4?/0""6Y`'8)BO6OA+^W)XJ@_P"# M;OQ-XM\5:W+-KFF6EW\/].O)I"99TFDCMXL$\[H[2YP#UQ!FOF'_`((W_P#! M5;]G7_@FSX%\:V'Q)^%?BO7=>\6ZM:R&[T)+7RH[2WB81H3+*C;O,FF)`&,% M>?2Y24I*Y^0<*\$Y]D_"?$5#!4G5Q,I_58\ME>,7^\DKM:.$D]^ECY(_:X^$ M+_`+]J/XA?!,-0L+52,9MTG<0M]#'L(^M?7_`/P;;?&?_A7/_!0@ M_#F[NMMKX\\)WNGI&6P#)OVC_A M'X2U;0]-\2Q6OVMOAQ\ M:6NC#!X=\8V%U?.#C-KYRK<+^,+2#\:S6C/Z%S;+<;Q'X=5,'C(.->KA[2B] MU5Y+V^4T?KG_`,'3/_)K7PV_['^3_P!(9J_'WX__`+.'Q&_9RU#PS;^/;#%M MXP\%:5XG\/W\:GRKNROK5)U*D_Q(S-$X[-&>Q!/[`_\`!TLRO^RO\-'5@0?' MTA!'?_09J[+]H3_@GAI_[?O_``1O^#>G>&-/A'C_`,)_"'0-1\%W;85II/[) MMO-L68]$G50!D@"18V)P#G2:;D['XQX=<:T.#>!\G>*LJ%>M6IS?\OO7C+T3 M^+^ZV]TC\*OAA\2O&OP;^(FB_%7X"OV\?^"-?PS^/'A4Q6]]-\6;&T\3:1')DZ;J4>E:E MYT)[[3D.A/)CD0]20/R2U+3=1T;4;C1]7L9K6[M)WANK:XC*212*2K(RGE6! M!!!Y!%:-MX^\7V?@&]^%]OKLZZ#J&KVVJ7>F;LQ/=V\4\44V.S*ES,N1U#\Y MP,0FT?N/$'"6"SW-L!FBLJV%FI*7\T'\47_Z5'LUVDS]>?\`@H5K%YIG_!N- M\&;*UD(34=/\*6]P!_$@M7E`_P"^HE/X5^-U?M[^UY\+[[XE_P#!MEX(NM+M MVFN/#/@3PQK:QJ,DQQ>3'*W_``&*:1C[*:_$*A]/1'R7@Y6HSR;,(1WCC*]_ MFXM?A;[C][?^#8VV$7_!/S7IP.9?BAJ!)^EE8#^E?HL0IP2!QTSVK\X/^#8/ M6K:^_8-\4:.DG[VQ^*%[YB9Y`>QL6!^G7\C7W=^T7?W&E_L^^.M3M-5GL);? MP=JW=C_P`$UOC+/9.0[>";F,E?[CE4?_QUC7\PU?JO_P`$LOVI?VP_ M^"A?P2_:`_9)^-?Q7U'QC:-\&[YO#G]JP1274=\X,48,X02R[F8??9N1Q7Y4 MLK*Q5@00<$'M6,YSC.FN7=)_9?3>^Y M^P'_``:E*N_XXMGG'AT?^G&N(_X.G44?M(_#!P>3X(N`?PO&_P`:ZS_@U-U* M)-?^-NCEOGDL]!F`]0KWZG_T(5Q/_!TOJ,4O[5?PXTI7!>#X?/*R]P'OIP#_ M`.0S^55_R[/C\+"7_$RE9_W+_P#EM%'Y?U^R7_!96^N]2_X(9?L\ZA?N6GFE M\*/*S=2QT"YR:_';1M'U/Q#K%IH&BV;W-Y?7,=O:6\2Y:65V"JH'+M#TM2@X(M](O(LCV^2H6S_KJ?>^(=>DN, M^'*+^)UYOY**3_%H_#^OJ+Q!\0O^"HGAG_@G'X<\/ZAJ7B&S_9TU26YM='DT MZTLUM)RU[.TL4\T"_:-K7(F^6=MK$8`(VBOEVOVJ^'>CZ=K?_!K-/:ZG;+*D M7A;5+B,,,XDB\27$B-]0RJ?PH2O<]WQ`SNED<,LG4P\*RJ8NE3]^-^3F4_?A MVG&VC[-KK<_)+]F;X5?#SXU?&K1/AK\4_C=I?P\T74[D177BG6+22:&VR0`" M$X!.OV0?V8?A%^Q_\``#0?@;\$[?.B:;;^9]O>17EU&:3Y MI+J5UX=Y"R1W"QKZ+&H[5=+XS\Q^D7EF9U<@H8ZG7?L(32E2TY>: M2?+.Z5VU\-FVE>ZMK?\`$7_@HM_R?W\:O^RIZ]_Z7S5=_P"";?[4?@_]B[]M M+P9^TMX^T#4]4TGPV=0^UV.CK&;F7[1I]S:KL$C*O#S*3EAP#U/%4O\`@HM_ MR?W\:O\`LJ>O?^E\U=Q_P1N^$?PU^.O_``4@^'/PK^+_`(-LO$'AW53JW]HZ M1J,>^&X\O2;R5-PR,[9(T8>ZBLXWLK'ZWBIX&GX=SGC8N5%85N:B[2$)]`T#1=&CTOP]I5U<+),(A(\CS2E M?E\QWD.0N0%5!DX)/I7_``1>_P""8WQ6_:U_:(\-_&?Q?X-O+#X8^$]6AU/4 M=9OK=DBU::!Q)'9V^X?OMTBJ)&7Y40-DABH/[7>#?^"9?_!/CP#J::SX8_8X M^'L5U$P:*>Y\-07#1L.A7SE;:?</YLS;QRP&$X862\-8*5&"AR*4Y)N,6K-I*]Y.[?,Y:/6S/P3_ M`.#F_P#Y2%Z)_P!DNT[_`-+;^O@OX4_\E1\-?]A^S_\`1Z5_1O\`ML?\$Z_V M./VKOB_;?$GX_?![^W]:M]"AL(;W_A(-1M=MNDDKJFRVN(T.&D$'!`Z\4I0;DSZ MO@_QCX8R7@["Y;7HUG4ITU%N,8.-]=FZB=ODC]`J\U_;-_Y,^^*__9-==_\` M3?/7I58OQ)\+:%XX^'>O>"O%-C]JTS6-%NK'4;;S63SH)8FCD3"#6\E>+1_*67UHX?'TJLMHRBW\FF?R*U^O?_!J9_R$OC?_`-^C_`((H_P#!,DC_`)-H_P#+RUK_`.3*^@_V#_V)/V8?V/I_$\G[.GPR_P"$ M=;7TM!JQ_MJ]N_/$)F\O_CZFDVX\Q_NXSNYS@8PC!J29_47B1XO<-<3\%XK+ M,+2K1J5.2SE&"C[M2$G=JI)[)]'J?A;_`,%MO^4I?Q>_[#%G_P"FZUKF?^"4 M/_*2+X+_`/8_6/\`Z'7[7_M+_P#!*_\`8-^/?QS\0_%SXL_`G^UO$.M7,E7W_``E6JS>1,IRK;);ID;'HRD>U+V&;K]HKX61^ M(9=!%VFE2_VM>6C0+-Y1D7-K-&7!,:'#9Q@XQDY^>_\`ARA_P3)_Z-H_\O/6 MO_DRG*#,O#>0\'83+L71JNI2BXMQC!Q?O2M9NI%[6OHM?O'?\`!;K] ME7Q/^WE_P3^\*?&CX*:7)K.N>%((/$>GV%FADEU#3;JU0W"0@M-_9!_:H\:1>$;_PO//'X;U_4T865Y:23-*( M990"()(V=U!?:A0)\VX$']/?V=OAUX1^$GP6\/\`PP\!:?-::)H5B+/2K2>_ MGN6@MT9@D8DG=Y&51A0&8X4`#``%?&O_``5W_P"">7[%^O\`PWU/X]77P`T> MW\6RREKC6-+EGLFN'.27E2WD2.5R>KNI8]S3DI07.C\SX;XDR#-,JEP;F]*I M+#NLY4*D.55*;;=KQ;Y6G=MZNW,UKHUQ/_!;#_@J7^Q'XO\`V)O%/[/7PL^+ M&A^/O$OC".VM[.V\/7`N[>Q5+F*9KF6=,QJ5$?RJ&+EBO&`2/R\_X)>?L/>, M_P!NG]J[P]\/].T*>3POI5_!J'C?5!&?)M-/C<,T9;H))MIB1>I+$XVJQ'=? ML8?LK_`;XL?M!:?X(^('@3^T-+GOECEM?[4NHMRE@,;HY5;]:_H(^`7[.WP/ M_9E\`0?#GX"?#'2O"^C)B1K33+?:9I"`#)+(Q+S/@`;W9FP`,\5G3?MW<_1L MXXDRGP9X:GD631J5,17YI^TGRI1:4=-.Y^%'["W_)[GP<_P"RJ>'O_3E;U_5A7PA\,/\` M@D!_P3K^'OQ+\/>/O"'[/'V/5M#URTU#2[O_`(2W5Y/(N89DDC?:]V5;#JIP MP(.,$$5]W*I6VZ.)`J#9;W*(,*,9"Y/?->8?\`#E#_`()D_P#1M'_EYZU_ M\F5SR@VV?U]PQXR<)Y=PAACDE)GFY-XM\"<`T]FN:3ZRE&3[):0V1^/G_!33XW(FC8['$D$B.I&XCAAD$@Y!KY'_X?#/#7B"ZO\`0]%;Q-J8 M%K<3>89'$HN1*03(YVLY4%B0!7T]\(O!GAKX3R+:"!(HH]\A9VVHJC:N$6GJ?DO%_$N38_A>AE>!A.*IXBO4 M7,HIENS9^-?_!QA_P`$WO\`A67CL?MU_"+0=N@^)[M8/'=I M;1?+8ZDW"7F!T2?[K'H)0"23-7Y8U_6_\8_AKX%^,/PLU_X8?$SPU;ZQH.MZ M7-:ZIIMUG9/$RG(RI#*0<$,I#*0"""`:^&/^'*/_``3)_P"C:/\`R\M:_P#D MRIE3UT/U7PX\;\%E7#<,OSFG4J3H^[&4%%WA;W5+FG'6.RWNDNM[^^_L`^`_ M#'Q2_P""5WPN^&OC73EO-'\0?""PT[5+5NDMO-9".1?;*L1FOY]?V]OV'OBO M^P5\?M4^#WQ%TNX?3S/)+X8\0>21!J]CN_=S(W3>!@.F1 MXRT:HA)4N68C:`WQI^W_`/L6?LS?!7XW7GA/X9?#0:9I\=VRI;C6+R;`R.,R MS,>_K7W;_P`$A_\`@G-^Q-)X*M?C;J/[/FD:CXFL[A&M-0UB>XO5@<#(=(9Y M'B5P>0X3<#R"*PA-R]Q'ZAQC3\/%CJ7'&)HUYRFX25)./V<_@5XA_:&^+&@3Z7K/Q'-J-&TV\B*36^E0!VCE=3@H9 MGE+!3_!'&W\5?`W_``6T_P""97CC]CW]H'6?C3X%\+S7'PP\9:I)>Z=?VD), M6CW+]`LM5T MR_@:&^T[4;5)X+B-A@H\;@JZGN""*W=/W;'Y3DWB_G>6<<8CB"I!2CB+*I3O M9>`Q7.`&?#GANTT/3]6A4B*\>-Y9I9(]P!*>9.R!L8;R\C(()^IO^"P?_!._]C3X M'>(8-:^$GP/L]`FU!?-N8]/U*\6'<3SLA,QCC'^RB@#TKI?^".G_``3F_8I^ M+<$_CCXH?`/3=?U#3BLEJ-6O;J>W#;OX[=Y3#(/9T85S\SYN0_<_]9>"Z&*E MXAJE6&?\$"O^"9'C7X[?'31_VO_BGX8FL_ M`/@R]%[H+7L!4:YJD9S#Y0/WHH7Q(TGW2Z*@S\^W[&_X.?/^3"/"_P#V5*Q_ M](-0K]%]*TK2]"TV#1M$TZ"SL[6%8K6TM85CCAC485%50`J@```<`5Y'^V[^ MS!\#/VL?A58_#K]H#P/_`&_HUIKL5_;V?]IW-KLN$AE17WVTL;G"R.,$X^;I MD#'1R6A8_$*OB=7S[Q)PF?YA!QHT9+EIPLW&"OHKN*$O`L=OX%.C:E8-H$M]<3JUM=23M/&999&E( M+7#_$.#P"P=&JI4,32K/G4$FH*=TK3EJ[KI;S M/Y5J_;'_`(-7_&MG>?`3XJ?#M;E/M&F^+[/46AS\P2YM?*#8]";1A^%>CC_@ MBC_P3)(_Y-H_\O+6O_DRO:/V(_V"OV4OV1/B%J7BC]G?X8S>';S5M*^RZDR^ M(]1NH[B)9%=0T=S<2)D$<-MW#+`$!B"1@U),Z?$KQ5X6XOX/Q&6T*5:-27+* M+E&'+>,D];5&]4FM$]S\!/\`@HM_R?W\:O\`LJ>O?^E\U>M?\$%?^4L'PI_W MM;_],E_7ZN?%_P#X)$_\$\OB=\5O$GQ&\1]D=VJ+EF)PH`&>`!6_\`LK_\$O/V%OV=?CUH'QB^#GP._L?Q'H[7/]G: MC_PDVIW'D^;;2PR?NY[EXVS'(Z_,IQG(P0")C!IH]#,O&3AC%<#5LKA1K>TE U_*]NA]E4445TG\BG__V3\_ ` end -----END PRIVACY-ENHANCED MESSAGE-----