%PDF-1.4 % 433 0 obj <> endobj 439 0 obj <>/Filter/FlateDecode/ID[]/Index[433 20]/Info 432 0 R/Length 53/Prev 63432/Root 434 0 R/Size 453/Type/XRef/W[1 2 1]>>stream hbbd``b`:$@;`9$p&FF ?W* endstream endobj startxref 0 %%EOF 452 0 obj <>stream hb``` Ùx%`DbIYbW$g ``ïoE-~} & Ǝ ]@ ?fb#;uA^5<[a`x $ tVd`dTzX/ ?0?R* Pm<Ƹ/ endstream endobj 434 0 obj <>/Metadata 34 0 R/Outlines 99 0 R/PageLabels 429 0 R/PageLayout/OneColumn/Pages 431 0 R/PieceInfo<>>>/StructTreeRoot 114 0 R/Type/Catalog>> endobj 435 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Type/Page>> endobj 436 0 obj <>stream hޤV[o0+~\5HJkWnCd\-6:l .+(Y}ymp v:DdHXP?՜O|;` 1omvw e4>0Yh&|rKNؾY߯>[Ga-˭K=7>Or-:_nUvmvfyj~68&Mgqq[D\#2& x=4e? $>IZ[yi,WYqob\v~Uus|V1;# wN%֬X;w眳ELB U : AN+lB%D],[]ٟ\.q_^&=t Z?#P$ Psݺt`#s8>3V8;1˔"H2to$N㤈D- 2Kgm U#cQ'S7vQ+^^ޤH%' S3IGXC:6|OC77k] Ǫk ַ:-{g/~B_ܘTl0!l endstream endobj 437 0 obj <>stream HWr8}WڲhwVMM#'S\V}%„"9eG{M$yCtӍ뺑Yiopg]\qkuf}q^;u 3~Z1ңv1 (bdl \eaKW1W~a|Ws(`\V??GxeVEr1.ROjZ@I.!\?ٵ&B\l4 IԕЇ cϴ8.w/ys_,]'QKĬ]oIԷlehSj!·$ eɒ)8 TM7Bz 3HLC4ZrsCHԀ*-RpagG?] j1tER%G>4ԘƘ𰁮Ķ<IFbi-V° Akuj#̾Z_F͘/Gسl(9-'FPϐe*Ds BW55h!ruķ9hn;Vx%r :⑜=E=MMZ2 :Gj%) 8Ns rH,qAQrC/)T!QsqЁ7QPtƚfRlmr|qʼT;nuL4! Ӂǒ爊ł0Sy'`F|8D:0T=VBtsPL@9%>IWQM[Hr2p-~Qħd;뺑cy:A#/K)Jn9~EkhgDB{Z m?ֶ s\#WQV}s)otS)4-%~2ctD0t,"ǂ;֎}ߥ9[kFݑ({txGٺd֘RoDE`t=H<*#lyMMg2Ҏ^Mi.Jz7W1 F2FgΓoCVz`A,';lExUE{>F 8W_jwOh^#^Pd׷CmnNo֮=9ZUSyաM(wg~mdFQixce]p4!Zn=7}}>oG!EK8eD0;ʦiڔ|طb#zt@@dj#O5/4 endstream endobj 438 0 obj <>stream H}Pߝ$lm[Hl5 hlL%$hMd3jpWvjf:Y8NM39%'S'c[&i:~vݷ_o(P YpA߮=:wbɛ}&5^w@(#3CO @ v 8@#C4@h$ӯthc~0T0cc%Rɺl)M+(]}g7nGo|V|Z֏Ό×à^RNy^1umjuYĥKuMO1zy .YxreUӞoyNyGpv]rnR/)(]ro|}pM%9*s}]eR0p zezYgA8e(SMW!R(c}*9QDz{;̘tmm[l޴q[׵́kouְj [u*eK˗x.U Xt`%$V" L@%=,\AM/>6g ~kۛ:'jxs|gEnMjEW:12Ln&Lp+cݮF؝qt,&[=gTE: -VP`Xf|n}&n^fsRÊ[{3 xm7вy76N*பيX n0r$w{x0;uw9] g#,E3$9k coMIn8$0ˣgLd|6<渦6z 1cf ~ryJ<9A6˜/ȣzKhU*Q{|5WNGyo63ylҧ*Uլh MM-.{,fD.2`8~P< _é-I\78< e*.*bأj.%%TI9ӝNs8q+܍oXTy:W 7HY&"FD$mʹ+[&S[>M J5= {栆;gJȍ.Jr G%Å5M opX# &F5kb%TojP_Crf{ҁi<39pX|v傍ηjluWঅ厱͕DDYVt\̼º9Xeh`Sޢ.>*kZ HE(4`4#\`trIYa<2%ʌXb$阎5GH|}&m3hX):; b<RC0K!!*?D#_'[Eo|_Q׈_!xsiyKHSO?&C_vX >G|x f$8B%C$G?ovno >(񑷡&ʗ4{Dݳ.k<&OO$ۏgVnKqd`~ǫ61S[NBg Zb{m=3@!`rm_H W?^W[L 3˨V}gmemI̟inQ9ƚ6V5;WuTEXuYf;[NKb"` f#d@4e;K89m OFp!1d6`z`*x4!ZxTt5dÌ+x7min8-eRۊ<1_]Pѩʣ5r0r)|}^KpC/̶>( ׃\C}`5F6xdOkm ;òO-ѭL[Xl>,#˓kZ2x/0ϝEu7k9P&񟙱ZP~c e۞eՄuoc&ech(1#oc,cx-es eC10 13US=aہ p ț1ǟ2 P"16־b7il$O}DӰxc*3 {Z9-зb0#xa )IS>>6fڋF>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 2/Type/Page>> endobj 2 0 obj <>stream HW]|_1@^(`Iߒag%`A%G)sHʯO̐CiI_b]gCӊmݻ-gݽ,~ܽlg-~9_5,+<-C54mw[lM|[.5t1(@Oj% 4 OoَՋKl͟G7K^,}{/_>#7!7?|urWap字ǿ$Ed\1C/X kÿvj {_xqيsGG8>ڏ^=|Z*_P +~Zw,a opk]K8.Y^{Gi6uU=or};wj<jdO^^:{lAtT(+ UV"+on( j,"~QqFA <{xU ;/% ZB*/ lS9F?\ iF' >T̛ ZR^t9\}ϳ2V3GRT; ;]ċS!HK`8D{gEf))teUaԅ*Y-`ON^c^"A)vsvsCjz {JP+ XKA}/{# ohps%EO^߳Ez=2УK]y~% Z(HA#*ڈIEJ7)Pڦ4݈:mM蒦^(#}dtf g_eḭnf}x'0[ .eBv idᵓYk޳Gv1%P$7{\fG?WA^rC#҃YN_xt4wmVͿL, dx̲nNej9Ӯ΀Ov^_&K};;vs&mZ]]OZ׌=yÅ q ҰQ`ia1,Y6qm3Lѽ)qC2Yw V =YkG2:lVʚfJەexzGMqVLπW"U6Ԑ޶ņD3v_4)Gꯌj }CoV* N335sMU`;#xABZ[y1ܭG/+ gG.9g_;.U=4K 0KAuC++IY26sV&?LR|f^3 T`8 OvII&YL0sE:Hu l3uyHkA4uiL߫.UurhoP'rRYXWZ  Q]6S&J<|~.R|sQыۦ>([ycf~+ *aMZ\Uj:=mE'mNzĈ?vMˬJxs FG]w"$idenYKNn S"hʅzCTŎ,5l$`'$Yv9/ o SM负UjnDSt^W5+V7 g""ǗN *&lj!ّ֣n7Dl & &44!dON.w ^: ^PHሏjYN{J}Lq>ɳ昰;=ܪ/#<ψz/qͺ5{З:$k0WŅ4IpvR۪]9 Y7[;&׭cɟf ^8ي+UC%ϼy;1n_ᰑ<7{(Kvi$%j\ެqejzpB)# >v"jiG28&MyE|RKk(Ŏ2 jH4]±.ᷡѰ&(j)b*.ڨ<[[0sW6xGC#Zv9@x>` zea|hu>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 3/Type/Page>> endobj 4 0 obj <>stream HWrF}Wh"JJe+sV&Q>"[Rgh&|7YJM$9~jY-޼{+b -aPlvGl}U$Xp5wx#0n"Zy&3L22b3*Y4 &d/rD,t1!1_Bv$`thw!7w?"Q i>a>y.W voxι_'y 5Te-kmJav>(aJj2ck삧.tVRútgSAH.z4Į2tT']vF902ysQa4E.4VR; uXtZ,,Tu.T)28W o Wuw}@| {wdBֺnuB6B' F *wl?gn(L1aBDfZnZ+K2;U3:DIl{j` % #K{4N:օryjreRH9_Nt&+TZsW~%)"+?}r.;]@<׸N?_5  CrE)7198`DFj2yz r =_;X>3(ad;u sb.Oִt)5p"9\(Yp[‡G mku)'&8'!=)MM Bn A#A1d4H׭#'+3jb6R]uəΖUmI~AX5We ZOa[ %{h@Z{13glALU/8~edK]֭hk6+\9yD+M̱36l<יSѶ%m ̌ab 8qaCJɐVry:6q߶"`dEF98Xe34$}J]IpTGC4 ӵPJB# ^JV)`D*@ 4 ]ʛ CJ|SYj\gJh$b\뉤O .a$3 9f϶oj6k)qfAkUrV*\"[Sk:lXTaUIIU0bԢ|kct]1n Aj ݿP 2K:PY< Thr]*#VK~c]7fa vnC~~17=f8Z85n>[,ų&̈́a^H+ճ݂Z)JA۱ǧ谭塖8Ȣ<h}c!QWnFs`~ z;蛠6B/=]*- Pѕc)Zz|i(HZy7g욳+Ϝ|"ܢ lv%Jɱu б 0><s[.DƤ6cՉǸ2c&v틩W ā;N>u+x~;i>J>Ue7B[c//:k0+F~ፚ^ǡLyk1hFWi也m=dF5Σb=9uOn9&!k k RD=_ŽBY+2nC̊" +b endstream endobj 5 0 obj <>stream h2P0P65A &DHOR endstream endobj 6 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 7/Type/Page>> endobj 7 0 obj <>stream HW]ۺ}_GK[ܛ)"HۇM2m3\ލ{fHȒ53gμz+++~_VM.Zܽ\wozJbmD>ЭNjMW bgX?%bFro-LLr^qWr碄ђ'NRYŏ?DB, 1ͳ|'bƆ^{iz ){w8ʧe*mRMs(/e8v+^JOe"GiD bC}W/"٨j6ىEƪN+:iϲ;Yu.%4:uM,QߌFCn5Z ]I[@5gT kVW0QԸvB}QFc&Q0>➓A"-*izR81.V^dyܳ^0¶`WMm'q*wvFl%RY6T(`s[?P-dٷzlpK1&;@ `CwuB6ll-"gm kT N)FsSyy$dNGuY eRHcJUR<Ёu є(OjI0NpTVd* P1̞ļSgUO!(b骿2 =3ƒleEG;SkFa#rv̿f%xA vc"zkM4)Sqc(фZ(C(w"dJ58QgȰlFd6iґQfo~0|; P60v[vԙm=@uP~EVթEFUo2UVz0D)6qOkc\BGTZ?p P$&1vHMgY1_s&>EQ)' Ҧ7#@G\#]7yg%Htf}'Z@\L4ƖU$Pb_Tay\ǣ C|"}) @ U[[v%FIؑnͅ!#C$TMDlCA6q_cIx+iI$F"|/EOTpS6T y:oLeGSuؽwkP]Œ6Ew{XT哎D>+ر1?/ְղ< ܨ+wV@A!ܘJ1L)ֈ@`bhƯV?Tn$| C\W/yVN{<>^5ӫJl7\G v=ߋ/T^0gY`)kGV}`VyO((56/=As-ip܍ZEYy?:z ,rE@MA%ʚ) 4;qJ:h];2NBАԱzXaͨ0௘$XKڵWZ~ ߆?mYg}E˳h#W.}Yw//"אiK퉒W[W6 UEU&>rDȸhQN5Ox=ꎣQWK՘Z{EW-mŇp@t%)UmB=$lv$ғ>>&Zn8 YA'7$Wښ?FPoG>e}U%s_i|深r58N-s/ LQp.͌LG#|$fgoyU17`1c*@$> AnXׇ:LWr9w/I{r%b˘Ftz>Ӫ>n8iߋKlI2+N40$ib3tl6A ng팃lN`Շmi{L8[??"j[Pd-=ї `6I88I@XLm6X*x3Z+?m536=B_J"^eRsL]pk^-:;כ}q]-AސH{q/ `Mدߪ xꩮ.FΚ~I|SdeO%0()z(mB\.$ޛ{r~Yp^/MV34xё+GL]\\ (,Y,FL%D:lhκbEB! ܀H {8-lP# il*gvt)M84%BϚK<OiN\c䌀n|?/-Uq;Wq1ac<ё- ,Ee+A:-no2f|CtM4&D%ίV0rQ#S0 ܴ]l]瀎5^!D %M84vo 2F|]n66<޾u\KY[Z D7gHU/vp߃o m&&-?Π endstream endobj 8 0 obj <>stream h2T0P65A endstream endobj 9 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 9/Type/Page>> endobj 10 0 obj <>stream HW]o8}Ȼb} fNg.P-FmN%8sIJm%[ dK{w-/YM$nYmuSfт>WzȒu?̢pb6Y EB&tDd8 |л*\/y%5SBZ 6{'t+=e.ٞ? sּ?vW*'G˛`+QnX)||:djVi d elmE9[{(2k5 +*6J3fdyP1GAv^$x!^8afCvӦ!Fg6aa4Ӆ ,Q QHM a{Yfk5"?zTӰe[CpPu ԣfq"n,it>=$܅qRRh[!Cs# ;A1A7x9@] #M.h:JjFns`yt{z =cWy6y5TjoZUS!3`"k,0~~ }s7+l?lX\-s_TYVA!Qa%6'{$=-4L=?pRC'Zt|{Ks.sF*-xQ7_E~sq @-xӉTIƸ5&pk̈$Zc6[#+Hh5!;ͅ[{:L&F[-09Q"L`;9-4͖a:Zb$5>3v+M)EƩ3邘ty\p1n0Bs0qYq~#ac{֎l!(jAlMw;fHK9i+ZwֲK_%v>ǽdlv2M4,1+ⅻDl;I %hZn-.jqě ~o Z l/ۼ&xga,!>Ԏ});C&h%V]- l dvIdʓN`Do pVpØ2:!c}&h#6dfe'*EmH|LT9==an#H%v]u޵c%,\)xd j -76 UٿOLEqۇ엘mP[;Ԥg[QZzi&~\j1w=:d[Meu{684@ri`,3t:NuY9LhDcPD6W%pmUW"ek fg#Vj7ᭁZF2lYD: UD] X!T endstream endobj 11 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 10/Type/Page>> endobj 12 0 obj <>stream HW]|_1_/` Ƀ.9&pO̐Cr%Zڕ]o짟~woݚb&>ᵺu߯Yu_1xW,^WeQë}ETqޱ]VSE븠!d8Ą]m6,CЌ|,mXʃ>V}Y쾝m87?oPßYW-5l]Tq~0\oZ_^WN* K4ueV8h5Sojƕ.Ng=R\*[7}@xHuԊViULU-ʄ؎ ,#zO wٱ{:3)W*^^r U!}{d  "Z{#W@?/I(ךZBupYrU4{_ĕ][eG)L׬;‡_(k"~M8^IbBj%?M)}~_BlDǏT ]3cpϲ6b1KvFd,2k!Jkk\> ;&(𳨹BM)s=K!Re?KQj>(S8s3*m6 Ȉa? ;OfZ-۹q'&e^.lGE+IBYJǮGcN>$s"iiLͷQ3Hk_6vu /%<ǛhAm5ׄ ]I3qq3r.t'i{Ү6[ CrWOWcp/CYDC,&gmǎ{&?Ȣ7P d`#g5"(ԓ1\DIOc0cb?q<\D]aÅ %`?!0}QA@٭I.Չ%Y,˓h;O|A !M؈#vnd(q`m z=.]@|~z9OhJdOdQƮ׼N߻6b--Ȼ;? $ J6jA ON:m~뛅s|n)Tٷ$Ƀj=h2dbPI`3L}#*oYbi?ʺQ 9HGkiġKϞcXkvI"dt*i ?h{TX*<zsɤ[ 7 0sq(i zor[ ׭7|Ίv76͕6!36Wf&ۚKkNXYifhwnڂ̦sesSM3,AqgǘԠ|(ގC;u/ȥkĮQ>ؙ1'#ᕵcm\z$cF=1fuu,)5pW7bMZG*n{=ߟmu9ssmO9Ov_4tnqIia0%!ᔵ+c:6Owz`b/pvWւ>m+[.60 gFw}Q j/H!*o`8K__c~JV6@iPL-Ke"6 JY(eXΞݦDFOL:K@ȸ21J^q ='\p4^j[J&#nBwۆG7zvլ/vʬ'Y{t=DQ6!u.#aRADSD˓ux.YqMR'oi&k9o [jRS .N{ЧV=<JaG;]IxAҟ Sg:yaԲأ3(]jĜ5>Brs:6号kZkGl Wub1l6K=ƽԖ(Ć[ջ[z5"Nvҍ6o LA?eJدp 2*9 %SlUO{I g BOk-͖nL%5xE_8ޥ匹8MpRnPPDWA)dیC7~(̀N-x{˹p Rm` ׿6%9jzcJo[DՊ^W0ϵ<]]Rj2u&>.ѵvДbIN^,|d>q+ǚ4 VJ<'R T\><#+ꛐ䭶췉GBhljs|/' Dc>:q1݀SVpZ/5v%'+49{S x:< 3.PÍꫴi1:o=2ٸBe›aWSXGOZ3wh ٯq!p0~^W3NU>*n%njF׻))C7'ٮ endstream endobj 13 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 11/Type/Page>> endobj 14 0 obj <>stream HW]|_1TE"pYj$&r_ [E=Q]]'UGYv~JQw ݻ~%?})3{#}~[Zdnجw$j+_"Ng-^\e)Wv`4##_IBMtCb?F%TX'&_%v#pw?!O~E}zrgS5 vS(/m[Y>G\Z݉juTyMU!,]:F.\,JQʺk\E.H zN38XvBj%t-ݯp]SIl] ?EyT-iTed~?5Aܑ'$Ć I5VvoCR Z,\ >(.MY¶rɴǾ)90̳󇲿٦1Ϥ?Jߕg ATC7iey6; hiX6ʺb(k^6]4O\kWm\  ~c?J 0t?4SA?CT emF[W")\$i:T$eh#ꊾWV_P_Z룎X]>c Bzco<`iZb[[pնgTiY@KQZT'5% X2'XW.ᑶ<,Lu:>Z*@4kmL-9a.x;PYwFܞJ*ʼnǖgeغƬ$a"hD">VXRƄ!֛4ޥv[ᕉUDU8 5Z" rC |G\"I1`E>JM|mTy툯E4J-Pk-,;wPT'LGM|`a(K#Oq[}|nWGc] |IoEgQP[L ?֪#5pźI1[ A8M:Tj!6$1tLlcL#sq 7ժkP͂C¾SdU [:s eQD1}?. Ep* "jYr)ˮ.ِǣe<vSߤ[cҝ9}Ŗvs!e!xE&0 .\$l[ĕđ~rXDg Y8pYy# 'X~r{ʼed?/moںJ,s;hkc6dT]{U4ϦGp*[o8S/k endstream endobj 15 0 obj <>stream h21P0P6A endstream endobj 16 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 13/Type/Page>> endobj 17 0 obj <>stream HWێ8}ࣼh-&dE H[mndQCQ|")Qrۙ m]u9u[mo]${|o~=vsww/Zo26w_VmY3YO{Nv+mڗ|*ETg u呠@aJaK,`.k$HS^YHl@ňmGQϖZ"{E2X-L,: y7F\dܕ2-u w)Qڷ񌬍A=};zyh4k-U玲e ׼:C`1J}6(8\"!!(b*nvIߍVeGj-*{3jߍ2dɍML05: R>YΐWufOā5ݱ79^9:BFđ?Kb$J!qpayv"}" eZX.̓>6|>/^5֛[XlZ`tsՀc;9#)@zѕ$An yREv)L6t%nUYɒYN֧0ɝE.Ş5VI$w,^ a45G"I,{ìI K&7yȭ g#Ώ({RRސnZg+"^Hsk5,=Re%JE[NMOI[SH{|@7}Չy-t]Ĕn[pVaSLFǚS1F:RN.S~\,E=J0 ^afӅi╽[2AdOpQ+C* L@i ʉǤ!009ou57==mPn !_Z\mFGА@(/4ꁖT͛,شzwй.=~K^E6^bXOnJdsaU}A^e9aa]4FyԛZ.}8GUFa%3 )t#˒|"";Ik+dF %pS7v: \+/VzBI@R$j 9#%? .arbBb]GG#y聰z~(\ӛ}fדEu{9ڵ~P+G~8A8DMAj~\ۂrNfS<,\n+y_]J;,iJ$z6j9X.LQȒ[Z&2k$g zjD~!aeq<ZyBih'F=LSQ@1ۥZwV3@A[n}UM]^'v+T=b8:(̾s`Mo]ء)n-8d{CBȨ.pKyVQCk8'3I\ M=yVy}:an$ H mHtN$">j\GS Tw(=U߱0vKvsئ-~chj:R;_/+,gѶS 㿅Vv"<S}ų߰(Yj]6w(Yj+i+iBozpv:sxs¾8ՏdyJR.{ä||d=S;Ǔ*EL d} endstream endobj 18 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 14/Type/Page>> endobj 19 0 obj <>stream HW]o۸}ϯ DHJTX(Ɩ N6!%Y-q-Иp>Μ9]H/ҹF?~ty5Eg>Z3=̛|Dl4S-pC?14X#5$1&]s1LH `40F;ҥ@ *'/f_;E1CϳϷ bn7W:*ڹ8bʎ {I&G5^l6A:~ Hb/Eߝ;ܮR]Wegi1MꠛB )FwI' 4qSe{=6ő$ ܷ36  ]Mr MK)e@?seC 419Ge*3T.ЗYȢ>\)GߏO{CL \ZRX'"{mz.N}BiĹW״ئ+z >oMZM\U!Ep!#W\'.0"s4d o#<<BLj0Iq%By6lsvP0&Ƹ)`r:A|BN0@K>2/4XvVrxe/x1Ķ:uSm!@: ?4aȄANrK"S<-;KvBYG׸ܥ g~NA%!BTG5^M~)BNÔHx'iBU-3걉FDAD7 }+"2qjjZd<;"Nಬ+Oɕ3~#z 1 #F"#cjcNWͲG02M%ТkPۙ'Top!mԭϱ"U\xQn֠Mym3H&;]AC'P[Y 0_xWNʍZ]HkÚw>fǗB=Os#5cecGGRidlP5܋}rw&PJ,8W/Y> jeT҅Я 0w`vratx$rߺ,E>940PKsڃ ^OQK'+xt2:]ȹ.⩷T:WZ$jS'Q4QS[UV~yj1߳?ؾp6P2~P830wCt|J)LrҮi*vjRB5dXCŘ(>>stream h21T0P0A L[B( e )2P lJ,@i endstream endobj 21 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 26/Type/Page>> endobj 22 0 obj <>stream HWmoF_*ʚ)*qk%pWU/`\;`1Y2<ΎOK%$UÇ d>bD=,&.p!qEᣒx4 kCΨqd3XFmyi#f`:У~H<qagئLȖot̿{β!C\FoΡxtqKB7sۄ^SmW؁ l?MNɾXNqYH= P`m ]Lm8HRZ3IYLT{7uH\ k4+Ir aZ/FY9_̚66$ol3@U B4o8/Zdh34O O;Q2*O tQb"]ksU' \YvB2q o)FY`5@~M䲖 6DiU!2r) hnьp[%ܖ Oql]ζ"CzG PC|-=b@4ge9"X<<EQHyK;D$RO/oG_orX;Pu/ V T1p{??%Ru]o2s_߶R]NcWw]|g TӰHJAl }6]"2'PK6%ba?-^^ QDcM7?d}*r&Qժ W]um7f+jA1i!>V炇cGqo2_;Ф*rUmXlIF`X*WxWo5DfEI&IkZHby\v_obf)n [jhReRvvC2ͬ3>ģs(vU|Շ{KȐG'RXr >%W]+Q>I ˼Fw6G+m8!@͙2 p&'h[X0zoeWoKrjA.B3t:4- Aـh8!^=#.TV(zOiW#qF&$P7h//$Y+ R9%t)ƽt/eB^ܔq(d hM$@)c;(2%еFDR7pYmށ:Nt8:› nyg| X}\q/\Mp2#h2ښjȲ"V>3>stream h21R0PA  BB(e !0s endstream endobj 24 0 obj <>stream HW TgB;ۙc{EA Pͱfo_ABi.3nsA¯C9 b ABYAV00a 5AnaB΢T~2| $pAX'"O!} n=Wx f[p.1 ڏ3pteLF> K[q VG(87 ^[ZZ3sY¹g C5nwQ70PPpbC_ɎY\4I~ɕ\HosYl',ZK<**p3f7I"4g"bÁ2؜{DńAIGQ=bD,MrBS&pSXHޱ#Q4 k2cQҟ =sas/g\) k%K\;j{'׶u{#ߨxկ/n\zsv9}׹]3eNbw3g 9bڐ6Ɲz9AkSVLosK|!v `A^qksƜQQtf˃msCD /&ZhjcmɃ{OW4*o켬|K9/*>ǒ5̲<يuε K\|$ۘ8zyepO=Gl{t0HkX€^ At}1<<`z{2 Pqr欿 8V$W8s[$b6UօVՉc<F7"6EP>fUFK SWT.כ 0W!D3a3P!J~g1=Jmᱹ($1}0<!5a%$"#EawܬBNPl@]0t$]5݄, H#Ie-y鸉C(3z_^ "lMn MH%(\$`Vɫz7 TMY+6\ALy8Ic_9SF0`PȳSJo D0 v:"C)IJccc^sjA"d}8K`h S8%*:bnwX2ZSR'mFxBtjڄWj0JU ]#W0AiJҦ ?(,{v%r 2"2(W@# x.($ADb\CDTpY#a:oPewooMLU׫z;Zp ȺTv!<}=ڬXP*THw~^pfJs^ ; NhKSTL\d7O$[ѩT D='<Ϡ:]!] LS_pU(o%2܏GzbtL"!^DpJKE~gpb#ĥ*xu)QD$DA& q9#KyTN}MwǪն1Q5GDkazH kV :xIu ^Pb6*٘10[!6 sOyS9~z{'m{m;(VdɕSȆ6/:䬬|2hZjSC}bgaLY3{kb{x&\߸U=:Kn}*… ÿ+fj':^:kTkփӦ:5xB's+1xC yس|X7K}ݻ g]mG>G3HSQ}sY>{P`PBA!xH*u錦Ȥu39uWǓ#TȪ: q;vs~ÂK~UÎT| >]w7JsO5/mrܧߥ{a6` K*+bXj2妕x6"wp}ѫ]_&,;L9pӖƜQn,TEO{|nv^mm:;کЯ^+RYlT+ lkzy&|+UBɪCEHih)s18Y;Blœ'o]%WT ® [SJM&G^-[vA5X>85nH iHa'w ݔIKWVzdWZQ ✞+^* ސY+F9&>͸5-EpH|? o~}JK壎Wv]7$CR~/;F=ms.X|/ 2R%,u83Cx8 @d F kaL*F0  B4&7ppHL'dW ;4~a8-\G?('6o(CPpؒ=ev`!X}`3CpZ}.Q<rD] gqgD A$diWbXicS#ޞ/y:;۶mڲjؤn+ 5Ֆuk5e%"Y BcP*Sݹd5 E*[C/xzeObR\ a ZCO].9uyx&  ƴf~M(SC@: fF(/YaSK+ _\1U uRRoɼ=VCC"J0-mhd/ ]VqV^<̄H E=d\(}ݙo5_es(< +I;]UJR<,8ȾTʸl'}&>+kGxsW; 1\FaHbOC'Fn6)׹\ a#4nķC\8("7* {a#RpjP'ZapT91C 0 nс>^!cl Tb;n^ ?CHw?`#XA}^p~ups?? !Z=9YmkHgc]h߁ZOa?fw?;N~.V%y=g cX(œ(Hx$z.(~0Sá3lbd{uCywEs~86_X 1 _; U@ 1"Fy8 ۄF@fSG݅uu6]Ѐ1. e 8"suG!.PV 6WJ#B5R,Hꌕs@Hykj  }VĈ*K9^ T;hV^F/rd{Cb0jӺ6ʹi]kBh+cr=j0s,T\Q2ޫg4c4WdzՀx3@NG"d`X@4LJts@cY ,32N382N=cp:qV[iny(ƳJ}̄ +_dynS0P] Kpٙޮ/,O , #1 endstream endobj 25 0 obj <>stream HTPN0 91$`KD {.qK$Dn:IJ{lyn[ acኣ'48omN&nN- Z<pUuN _!{3?>3-1~ㄔ@AӀA3!_گAo}s4ЈP+` c[+wU7#va7#ł'}'XJ j endstream endobj 26 0 obj <>stream HyTSwoɞc [5laQIBHADED2mtFOE.c}08׎8GNg9w߽'0 ֠Jb  2y.-;!KZ ^i"L0- @8(r;q7Ly&Qq4j|9 V)gB0iW8#8wթ8_٥ʨQQj@&A)/g>'Kt;\ ӥ$պFZUn(4T%)뫔0C&Zi8bxEB;Pӓ̹A om?W= x-[0}y)7ta>jT7@tܛ`q2ʀ&6ZLĄ?_yxg)˔zçLU*uSkSeO4?׸c. R ߁-25 S>ӣVd`rn~Y&+`;A4 A9=-tl`;~p Gp| [`L`< "A YA+Cb(R,*T2B- ꇆnQt}MA0alSx k&^>0|>_',G!"F$H:R!zFQd?r 9\A&G rQ hE]a4zBgE#H *B=0HIpp0MxJ$D1D, VĭKĻYdE"EI2EBGt4MzNr!YK ?%_&#(0J:EAiQ(()ӔWT6U@P+!~mD eԴ!hӦh/']B/ҏӿ?a0nhF!X8܌kc&5S6lIa2cKMA!E#ƒdV(kel }}Cq9 N')].uJr  wG xR^[oƜchg`>b$*~ :Eb~,m,-ݖ,Y¬*6X[ݱF=3뭷Y~dó ti zf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:˜O:ϸ8uJqnv=MmR 4 n3ܣkGݯz=[==<=GTB(/S,]6*-W:#7*e^YDY}UjAyT`#D="b{ų+ʯ:!kJ4Gmt}uC%K7YVfFY .=b?SƕƩȺy چ k5%4m7lqlioZlG+Zz͹mzy]?uuw|"űNwW&e֥ﺱ*|j5kyݭǯg^ykEklD_p߶7Dmo꿻1ml{Mś nLl<9O[$h՛BdҞ@iءG&vVǥ8nRĩ7u\ЭD-u`ֲK³8%yhYѹJº;.! zpg_XQKFAǿ=ȼ:ɹ8ʷ6˶5̵5͵6ζ7ϸ9к<Ѿ?DINU\dlvۀ܊ݖޢ)߯6DScs 2F[p(@Xr4Pm8Ww)Km endstream endobj 27 0 obj <>stream hXko+1Fy?m ?izQP-H %ۊXXֈ3g"hM5DіXx#Dx3 NPAv`0BZpccbZ~OhDjLgFajI"a"@>[G7*Q m J@'JqM@IDNeŵ*3D9Tx8Hx~0%KQD|\"~P'K|h$TIIB,J@9: *H9ց),%KUR~`'iEÎ<]8.<.eWMY]}L#l4]UڹYsW%x?d?2̊YZ4v=Fϛ͸eE7ɇg^U1({r;qa ;MW|~vƆ$RvH㶞'(ؔ#Z97t/޵r|JٓĎQSe}*eh7kE.q1_dQ- ~U-^#aN/F5L]%eh{HyT@>+'X\2R߿ggq׮rDrםB6fterg9eLB~fE[hO;߷ƪɭX/7l~,=#ʗY),i(9) צ 2#W06cnmoH mڴ#j!8jps2-'evbNu> ʹo[+ i59.6?UtlǼ(m.z: F`Vf:JA`vZyeo-`01lb';`!l@|P X%mLij';ɽH0T!޺;1Jl](J=jk=T JChCQX).x?3gcIao >`G:J:aˋiVfPӲ)1ʼNh3N۱6yY\$1-*M *7#n3HUVg׬lRlVNkVW5VDMNegno8zNomMp8tD)Y.zsN^4!59e!l^{[ {c.Z<`p*[+ee"B 1\8#6϶މV\N<>4f`Ar _SK*s\٣;CL p8 %bQ`pZq Qtu* jqW} .3(gR*Ʃ} {M|5;@A l<׶޾Sn5O:7t1> ~*3> N " a>r=!N JЁ+U|{E}'8r)IL'@ (o+_Ѷ&b&De٩ NPLi+-Y]8.Qzu|P% EuR}5v -mX~kPˏONpwxH☬b&ZZLտVSxRO _SW?HS)Z}&c%o@8Om'>u4iaUAbɻ C^H|aZ*D1[/)}})ùg&nu@^+} endstream endobj 28 0 obj <>stream hބn0 (\lY-E"EEX5,c-/N9q1Dik)&Ǥ$6 %Ur ؇iYQf~Ny 6d,|UxOb Gz]uG׋!]8Oە]\{qK p= +vEcmآ+ݻ?Ńo! 'HXOfb:Zc+3F*͙>}땩e-znz/{{t{zόP+eQ%4w;D֢:KA= 2;%vN +lRAߡ5Ԑ5q jM}z A!Xr >1ojIbQemSȓ!?e[ ڡSΫV[p^\نGwN054qr 8U:- endstream endobj 29 0 obj <>stream hYo9WZEb{E=}pi?"m=θ!GCO85ESiHHdBW Dv@iH3Pj@"ᑨD]$"A2[ZHDョ3KA.-f &@3< [l#˳#rөbo'éb?'| &;C.guW\YEsfLsp&*r&*q&*s&p&rfdIIͤdݤlŻw;K8x3 fU.q\ʛpr" z N.-7sYo&\[Zqy'ww}wx:|5/gW}:ƅË H)L-6aU_\>| cȲժ:=_>?7~Ͱя< }q twFgO9m5͞-;m@S-ι#pdGtd>/Gp~hKOsl-ċ/_NؒoWOׯ־ߒ]x []wU×^_=P^?4 ~sAJmBl6 d\q OyTfo~Xץva [3[Hqx7@m_oΨ.+-޵Ghm编*mk_{Z?-G}J o4 }Jz606G:a|q_|5 kp;ZWެT<.SaҞ0Nˍ}=7.kmxi5SM9HSI G}g}_$A̐ӠIjڳ(AR kE}/]H{|𲿺zj7glSnk0eB)0v!h sDJc~LAD5gq̜qל9MA33)1s9D3gOA9~h+źXN2IfN wѮ5 nzmUد;nqloyV5v7x%ZԠfԈ;Fdf\XxFYwݯE|+2'~:t䍫~K^6\E5ZUj9+.w\79+EF},.Pcc~m(q}~(2zTp?J2LSF)|ȺKesz.zz$%(]҄.eR>@/L`]%N_䷧篱GCL$p{'rG3s+qC9۱p.1['^.PH}X=m9YE?+lApk%?J-BؓjQotA#j `{o g$/BL{.qBˮ}|kx opPvXmPߺO9Aڃ߼SS_X endstream endobj 30 0 obj <>stream hXn6} ,HzA^ɢEDIVݿ9\d[r[(͜9Ȕ5NieW6T Del5)#0iskMxnsQW\+oh;0ۨ|_RA[\ *xpc"B"*+^%$R%di(d (c@c bn .` Hǃ9M``sLAMXg33ms 9)0xfn'0&&(<`S]$@ʜ.,%2X *9 Q`͊~ќ= SP KM& aU,¹J-e ٣"-2"IМ5 j`TH%:%`N>`Ύa9sBi,ӌWrF k[WE qʉ#*bPLI9i@A`8y1`~8_~lWmswei~!۶m|auS;.0ܾ}d tfs?Θ`32wY& 7뛷f+JWayݜMW}-$ݘBo?qF˻ GF\n*|Յ>Luw ɍ sÏܥԍ>~غ؀T,X?˦Kʋ[չǯ40p8RK'(cΣ )DQF endstream endobj 31 0 obj <>stream h޼XnFjgg 9m`ȃզ]d P}ϬDZER>H$wϜ.$&o\%q&\!L3eC†5 W2B9\•S1'%+~*!W9`3@,5>ڱ&a6b7ɂ<Mj蠝j!Cj'Ep .P QEj0GU%`< Qw-SF{D,<Rq87}ƉVQL0a Q]`Q`NIQm*wqs:5αK,qt*hfUJSOQ9iv2enb4dZA'QS 4))Jڜ?sZ3F7={#5BʊQq(L\hE7QHxd`xxQ = TBQT3FO$D)*'Q M}B]M>~ӻY҈:I/9j =m#jA$P A 5t݂)7พ&8_wj6';}r9^~[OZ_zZTϿ>>,&0TqqyWM.W7eRclsy=mk-N4xy12ݏcH{Y,S'%c|/p7YT]=>Lf%6;4_2S|.~l y~0zuvv-ewJ ~__=R2;]^tgSqq4rs]F-u66u4|9MJ;&omONCN5cq;U1Xb`>Qˣ<*dyޞGBAT_~{k2J{ܟZ0($ګ_%<F1- 啰_mz\W?8{UWjq[5n;­fL/5Tm5IVk7'w x0:Gд=7ܮc!V;l3Tl"z^wMCnduDhw4p>~Ķsi`m{/A|ٴ~98`m#T;_U[qX>LILITpXu^/CPG =7h+q-!yJ%$t -" 0ڃt endstream endobj 32 0 obj <>stream hޤ_K0ſͿƠ=S\mV [+!t> dO'MBԀX,HѬzd4!O1\CgLƪcv&,XL96 0gqNA [נi:nWA(a8Wq hښ↔D=vP dΕC8cX][6ޢx}F(|>. c\o6Kh"?CWy ׉s~ 0 endstream endobj 33 0 obj <>stream h21T0P016P02P+-(ł] + Y endstream endobj 34 0 obj <>stream Acrobat Distiller 7.0.5 (Windows) FAQ, residential, tract, development, lending, loan, bank, appraisal, real estate, requirement, construction, single, family, home, land, lot, credit, collateral, value, LTV, ratio 0x010100B5D60B490AD87C4E83C4E89E9E3DB81A OCC Credit Risk Division (202) 874-5170 D:20120112172748 Acrobat PDFMaker 7.0.7 for Word 2012-01-12T15:36:16-05:00 2012-01-12T15:20:37-05:00 2012-01-12T15:36:16-05:00 uuid:f31f15ec-5e15-47a1-b050-9aca69f28095 uuid:fa5b88dd-1e79-403b-81e8-ca5689e6a85d 2 application/pdf OCC 2005-32 Administrator Frequently Asked Questions: Residential Tract Development Lending FAQ, residential, tract, development, lending, loan, bank, appraisal, real estate, requirement, construction, single, family, home, land, lot, credit, collateral, value, LTV, ratio Frequently Asked Questions: Residential Tract Development Lending endstream endobj 35 0 obj <>stream h216T0Pw/+Q04L)616 )Ic0i&-! C!DLbC* RS 4 endstream endobj 36 0 obj <>stream hd_o ſ}-95ةJHZ%/ܴ,2wiB\t"i3WcF[\я z<7?,e7c5]]e]e/nQg Y^qQwfgeΊj .>!͖շɴKγݳ6Զ㢱ķ'%{*ZAи= xetWxf3qk9c㛛 O3 endstream endobj 37 0 obj <>/Filter/FlateDecode/ID[]/Info 432 0 R/Length 183/Root 434 0 R/Size 433/Type/XRef/W[1 2 1]>>stream hbb&F L @@e nH($xX, >U " @ HpLMZ@ m2K@,< ^  RR"zm3րi 2v r(B0QFs%a0hQM0q  endstream endobj startxref 116 %%EOF