-----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, BHBWyyi2I7N/t6u9EDATbZShqGHgIWT7K2h4Ivm7E76k2MTGuRdC2+xTU/PBlM3W MKhkJ2klQAkLYJ3lT2vbUQ== 0001071992-10-000018.txt : 20100730 0001071992-10-000018.hdr.sgml : 20100730 20100730082904 ACCESSION NUMBER: 0001071992-10-000018 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20100730 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20100730 DATE AS OF CHANGE: 20100730 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CAPITAL BANK CORP CENTRAL INDEX KEY: 0001071992 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 562101930 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-30062 FILM NUMBER: 10979516 BUSINESS ADDRESS: STREET 1: 333 FAYETTEVILLE ST, SUITE 700 CITY: RALEIGH STATE: NC ZIP: 27601-2950 BUSINESS PHONE: 9196456400 MAIL ADDRESS: STREET 1: PO BOX 18949 CITY: RALEIGH STATE: NC ZIP: 27619-8949 8-K 1 form8-k.htm FORM 8-K form8-k.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): July 30, 2010

 

 
CAPITAL BANK CORPORATION
(Exact name of registrant as specified in its charter)


North Carolina
  
000-30062
  
56-2101930
(State or other jurisdiction of
incorporation or organization)
  
(Commission
File Number)
  
(IRS Employer
Identification No.)

333 Fayetteville Street, Suite 700
Raleigh, North Carolina 27601
(Address of principal executive offices)

 (919) 645-6400
(Registrant’s telephone number, including area code)

N/A
(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))

 
 
 
Item 2.02
  
Results of Operations and Financial Condition.

On July 30, 2010, Capital Bank Corporation (Nasdaq: CBKN) issued a press release announcing its financial results for the quarterly period ended June 30, 2010. A copy of the press release is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Pursuant to General Instruction B.2 of the Current Report on Form 8-K, the information in this Current Report on Form 8-K, including the press release appearing in Exhibit 99.1, is furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section. Furthermore, the information in this Current Report on Form 8-K, including the press release appearing in Exhibit 99.1, shall not be deemed to be incorporated by reference into the filings of the registrant under the Securities Act of 1933, as amended.
 
Item 9.01
  
Financial Statements and Exhibits.
 
(d)
Exhibits
 
Exhibit No.
  
Description of Document
     
Exhibit 99.1
  

 
- 2 -
 
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.

Date: July 30, 2010
CAPITAL BANK CORPORATION
  
     
     
 
By:
 /s/ B. Grant Yarber  
   
B. Grant Yarber
  
   
President and Chief Executive Officer
  

 
- 3 -
 
Exhibit Index

Exhibit No.
  
Description of Document
     
Exhibit 99.1
  

 
- 4 -
 
EX-99.1 2 exhibit99-1.htm CAPITAL BANK CORP RELEASE 073010 exhibit99-1.htm
Exhibit 99.1
Graphic
 
CONTACT:
B. Grant Yarber
President and Chief Executive Officer
Phone: (919) 645-3494
Email: gyarber@capitalbank-us.com

FOR IMMEDIATE RELEASE

Capital Bank Announces Financial Results for Second Quarter of 2010

RALEIGH, N.C., July 30, 2010 – Capital Bank Corporation (Nasdaq: CBKN), the parent company of Capital Bank, today reported financial results for the second quarter of 2010.

Key Items in Second Quarter of 2010:

 
•
Regulatory capital ratios were in excess of “well capitalized” levels as of June 30, 2010;
 
 
•
Net loss attributable to common shareholders was $14.2 million, or $1.09 per share, in the second quarter of 2010 compared with net income available to common shareholders of $762 thousand, or $0.07 per share, in the second quarter of 2009;
 
 
•
Net interest margin increased to 3.25% in the second quarter of 2010 from 3.22% in the first quarter of 2010 and 3.17% in the second quarter of 2009;
 
 
•
Nonperforming assets and restructured loans were 5.76% of total assets as of June 30, 2010 compared with 5.67% as of March 31, 2010 and 4.87% as of December 31, 2009;
 
 
•
Allowance for loan losses increased to 2.65% of total loans as of June 30, 2010 from 2.12% as of March 31, 2010 and 1.88% as of December 31, 2009;
 
 
•
Provision for loan losses increased to $20.0 million in the second quarter of 2010 from $1.7 million in the second quarter of 2009; and
 
 
•
Valuation allowance of $3.3 million was recorded against deferred tax assets in the second quarter of 2010.

Key Items in First Half of 2010:

 
•
Successfully completed $8.5 million private placement offering of common stock and subordinated debt to qualified investors;
 
 
•
Net loss attributable to common shareholders was $20.1 million, or $1.60 per share, in the first half of 2010 compared with net loss attributable to common shareholders of $4.3 million, or $0.38 per share, in the first half of 2009;
 
 
•
Net interest margin increased to 3.23% in the first half of 2010 from 2.95% in the first half of 2009; and
 
 
•
Provision for loan losses increased to $31.8 million in first half of 2010 from $7.7 million in the first half of 2009.

“Our quarterly financial results were again significantly impacted by an elevated provision for loan losses,” stated B. Grant Yarber, president and CEO. “We continue to work aggressively to resolve our problem loans and have experienced success with these efforts. Through our special financing program introduced in mid-2009, we have sold 135 new houses for an aggregate purchase price in excess of $49 million to qualified homeowners. This program has helped to significantly reduce our residential construction portfolio and has provided a boost to our borrowers and the surrounding communities. However, many of our borrowers remain under significant stress from a protracted economic recession that has been more severe than we or most experts ever predicted. Our core operations remain strong, but we anticipate that future increases to our allowance for loan losses and elevated provisions may be necessary as we continue working through this credit cycle.”

 
- 1 -
 
Net Interest Income

Net interest income increased by $580 thousand, rising from $12.2 million in the second quarter of 2009 to $12.7 million in the second quarter of 2010. This improvement was due to an increase in net interest margin from 3.17% in the second quarter of 2009 to 3.25% in the second quarter of 2010, coupled with 2.2% growth in average earning assets over the same period. Net interest margin benefited from a significant decline in funding costs as rates on total interest-bearing liabilities fell from 2.50% for the quarter ended June 30, 2009 to 1.97% for the quarter ended June 30, 2010. The Company’s interest rate swap on prime-indexed commercial loans, which expired in October 2009, increased interest income by $1.1 million in the second quarter of 2009, representing a benefit to net interest margin of 0.28% in that quarter. Since the swap expired in 2009, the Company received no benefit in the second quarter of 2010.

Year-to-date net interest income increased by $2.9 million, rising from $22.3 million in the first half of 2009 to $25.3 million in the first half of 2010. This improvement was due to an increase in net interest margin from 2.95% in the first half of 2009 to 3.23% in the first half of 2010, coupled with 3.2% growth in average earning assets over the same period. The interest rate swap contributed $2.3 million to interest income in the first half of 2009, representing a benefit to net interest margin of 0.29% in that period.

A significant increase in loans placed on nonaccrual status negatively affected net interest income during the first half of 2010. When loans are placed on nonaccrual status, any accrued but unpaid interest is immediately reversed and has a direct impact on net interest income and net interest margin. Reversal of accrued interest on loans placed on nonaccrual reduced net interest income by approximately $679 thousand and $164 thousand for the quarters ended June 30, 2010 and 2009, respectively, representing a negative impact to net interest margin of 0.17% and 0.04%, respectively. Reversal of accrued interest reduced net interest income by approximately $1.4 million and $614 thousand for the six months ended June 30, 2010 and 2009, respectively, representing a negative impact to net interest margin of 0.17% and 0.08%, respectively.

Provision for Loan Losses and Asset Quality

Provision for loan losses for the quarter ended June 30, 2010 totaled $20.0 million, a significant increase from $1.7 million for the quarter ended June 30, 2009. The increase in the loan loss provision was primarily due to difficult economic conditions and troubled real estate markets which resulted in continued rising levels of nonperforming assets and impaired loans. Additionally, higher default and charge-off rates as well as downgrades to the credit ratings of certain loans in the portfolio increased general reserves applied to performing loan groupings. Further, declining real estate values contributed to higher levels of charge-offs on impaired loans. Net charge-offs increased from $1.6 million, or 0.49% of average loans, in the second quarter of 2009 to $13.4 million, or 3.91% of average loans, in the second quarter of 2010.

Provision for loan losses totaled $31.8 million for the first half of 2010, an increase from $7.7 million for the first half of 2009. Net charge-offs increased from $3.9 million, or 0.61% of average loans, in the first half of 2009 to $22.1 million, or 3.19% of average loans, in the first half of 2010.

Nonperforming assets, which include loans on nonaccrual and other real estate, increased to 5.37% of total assets as of June 30, 2010 compared to 2.90% as of December 31, 2009 and 1.40% as of June 30, 2009. Nonperforming assets and restructured loans increased to 5.76% of total assets as of June 30, 2010 compared to 4.87% as of December 31, 2009 and 2.27% as of June 30, 2009. Loans past due more than 30 days, excluding nonperforming loans, increased to 0.72% of total loans as of June 30, 2010 compared to 0.67% as of December 31, 2009 and 0.43% as of June 30, 2009.

As a result of deteriorating credit quality, the Company increased the allowance for loan losses to 2.65% of total loans as of June 30, 2010 compared to 1.88% as of December 31, 2009 and 1.44% as of June 30, 2009. The allowance for loan losses was 48% of nonperforming loans as of June 30, 2010, which was a decline from 66% as of December 31, 2009 and 100% as of June 30, 2009. The allowance for loan losses was 295% of nonperforming loans, net of loans charged down to fair value, which was a significant increase from 115% as of December 31, 2009 and 167% as of June 30, 2009.

Noninterest Income

Noninterest income decreased by $1.2 million, or 33%, declining from $3.7 million in the second quarter of 2009 to $2.5 million in the second quarter of 2010. This decrease was primarily related to a nonrecurring bank-owned life insurance (“BOLI”) gain of $913 thousand recorded in the quarter ended June 30, 2009. Also contributing to the noninterest income decrease, the Company realized net gains from sales of certain debt securities totaling $69 thousand in the second quarter of 2010 compared with net gains of $336 thousand in the same quarter last year. Further, mortgage origination and other loan fees declined by $244 thousand. Partially offsetting the decline in noninterest income was an improvement in bank card service income of $158 thousand from a higher volume of debit card transactions as well as an increase of $13 5 thousand in brokerage fees from improved sales efforts.

 
- 2 -
 
Year-to-date noninterest income decreased by $785 thousand, or 14%, declining from $5.8 million in the first half of 2009 to $5.0 million in the first half of 2010. This decrease was primarily related to the nonrecurring BOLI gain in the first half of 2009. Mortgage origination and other loan fees declined by $444 thousand, which also contributed to the noninterest income decrease. Partially offsetting the decline in noninterest income was an increase in net gains on investment securities which totaled $397 thousand in the first half of 2010 compared with $16 thousand in the first half of 2009.

Noninterest Expense

Noninterest expense decreased $85 thousand, or 1%, declining from $12.5 million in the second quarter of 2009 to $12.4 million in the second quarter of 2010. This decrease was due in part to a $537 thousand decline in salaries and employee benefits from the suspension of the Company’s 401(k) match in mid-2009 and higher deferred loan costs, which reduce expense. FDIC deposit insurance expense decreased by $528 thousand primarily due to the FDIC’s special assessment on all insured depository institutions in the second quarter of last year. Further, directors’ fees decreased by $183 thousand primarily due to acceleration of benefit payments on a retiremen t plan upon the death of a former director and in part due the board reduction late in 2009. Partially offsetting the decrease in noninterest expense was an increase of $376 thousand in advertising and public relations expense due in part from radio and television ads promoting the Company’s special financing programs. Other real estate losses and loan-related costs increased $310 thousand as higher loan workout, appraisal and foreclosure costs were incurred. Professional fees increased $250 thousand primarily due to higher legal costs. Other noninterest expense increased $232 thousand in part from a loss incurred upon the repurchase of a previously sold mortgage loan and from higher reserve levels for unfunded lending commitments.

Year-to-date noninterest expense increased $941 thousand, or 4%, rising from $24.0 million in the first half of 2009 to $25.0 million in the first half of 2010. This increase was primarily due to $1.5 million in higher other real estate and loan-related costs, of which $949 thousand was related to valuation adjustments to and losses on the sale of other real estate with the remaining increase representing higher loan workout, appraisal and foreclosure costs. Advertising and public relations expense increased $483 thousand in part from ads promoting the Company’s special financing programs. Partially offsetting the increase in noninterest expense was a decrease of $1.1 million in salaries and employee benefits from the suspension of the Company’s 401(k) match and higher deferred loan costs.

Income Taxes

Income tax benefits recorded in both the three and six-month periods ended June 30, 2010 were primarily impacted by net losses before income taxes and were partially offset by a valuation allowance of $3.3 million recorded against deferred income taxes in the second quarter of 2010.

Balance Sheet

Loan balances declined by $39.2 million in the first half of 2010 due in part to net charge-offs in the period as well as net principal paydowns on outstanding loans. The declining loan portfolio reflects an effort by the Company to de-leverage its balance sheet to preserve capital and reduce its exposure to certain sectors of the commercial real estate market. Total investment securities decreased by $16.7 million over the same period as management has continued to sell certain municipal bonds to reduce the duration of its fixed income portfolio and to mitigate its exposure to a future rising interest rate environment. The Company’s portfolio has also experienced higher levels of paydowns on U.S. government sponsored mortgage-backed securities. Total deposits declined by $7.2 million in the first half of 2010. Checking accounts and time deposits increased by $10.8 million and $16.1 million, respectively, during the six months ended June 30, 2010 while money market accounts decreased by $36.3 million in the same period.
 
***
 
Capital Bank Corporation, headquartered in Raleigh, N.C., with approximately $1.7 billion in total assets, offers a broad range of financial services. Capital Bank operates 32 banking offices in Asheville (4), Burlington (3), Cary (2), Clayton, Fayetteville (4), Graham, Hickory, Holly Springs, Mebane, Morrisville, Oxford, Pittsboro, Raleigh (5), Sanford (3), Siler City, Wake Forest and Zebulon. The Company’s website is http://www.capitalbank-us.com.

Information in this press release contains forward-looking statements. These statements involve risks and uncertainties that could cause actual results to differ materially, including without limitation, the management of our growth, the risks associated with Capital Bank’s loan portfolio, local economic conditions affecting retail and commercial real estate, competition within the industry, dependence on key personnel, government regulation and the risks associated with possible or completed acquisitions. Additional factors that could cause actual results to differ materially are discussed in Capital Bank Corporation’s filings with the Securities and Exchange Commission, including without limitation its Annual Report on Form 10-K, its Quarterly Reports on Form 10-Q and its Current Reports on Form 8-K. C apital Bank Corporation does not undertake a duty to update any forward-looking statements in this press release.
 
###

 
- 3 -
 
CAPITAL BANK CORPORATION
Quarterly Results
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
(Dollars in thousands)
                                
                                 
Interest income
  
$
19,794
  
$
20,066
  
$
20,863
  
$
21,858
  
$
20,755
  
Interest expense
    
7,050
    
7,516
    
7,885
    
8,303
    
8,591
  
Net interest income
    
12,744
    
12,550
    
12,978
    
13,555
    
12,164
  
Provision for loan losses
    
20,037
    
11,734
    
11,822
    
3,564
    
1,692
  
Net interest income (loss) after provision for loan losses
    
(7,293
)
  
816
    
1,156
    
9,991
    
10,472
  
Noninterest income
    
2,514
    
2,531
    
1,830
    
2,507
    
3,724
  
Noninterest expense
    
12,380
    
12,590
    
14,683
    
11,098
    
12,465
  
Net income (loss) before taxes
    
(17,159
)
  
(9,243
)
  
(11,697
)
  
1,400
    
1,731
  
Income tax expense (benefit)
    
(3,576
)
  
(3,909
)
  
(4,452
)
  
(2,143
)
  
382
  
Net income (loss)
  
$
(13,583
)
$
(5,334
)
$
(7,245
)
$
3,543
  
$
1,349
  
Dividends and accretion on preferred stock
    
589
    
589
    
588
    
590
    
587
  
Net income (loss) attributable to common shareholders
  
$
(14,172
)
$
(5,923
)
$
(7,833
)
$
2,953
  
$
762
  


End of Period Balances
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
(Dollars in thousands)
                                
                                 
Total assets
  
$
1,694,336
  
$
1,739,857
  
$
1,734,668
  
$
1,734,950
  
$
1,695,342
  
Total earning assets
    
1,602,891
    
1,639,864
    
1,640,305
    
1,634,119
    
1,615,164
  
Cash and cash equivalents
    
41,417
    
53,341
    
29,513
    
52,694
    
72,694
  
Investment securities
    
228,812
    
232,780
    
245,492
    
262,499
    
268,224
  
Loans
    
1,351,101
    
1,376,085
    
1,390,302
    
1,357,243
    
1,293,340
  
Allowance for loan losses
    
35,762
    
29,160
    
26,081
    
19,511
    
18,602
  
Intangible assets
    
2,241
    
2,475
    
2,711
    
2,995
    
3,282
  
Deposits
    
1,370,777
    
1,380,539
    
1,377,965
    
1,385,250
    
1,380,842
  
Borrowings
    
153,000
    
172,000
    
167,000
    
147,000
    
117,000
  
Subordinated debentures
    
34,323
    
34,323
    
30,930
    
30,930
    
30,930
  
Shareholders’ equity
    
125,479
    
138,792
    
139,785
    
149,525
    
143,306
  
Tangible common equity
    
81,959
    
95,038
    
95,795
    
105,251
    
98,745
  


Average Quarterly Balances
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
(Dollars in thousands)
                                
                                 
Total assets
  
$
1,719,240
  
$
1,732,940
  
$
1,736,421
  
$
1,705,290
  
$
1,665,387
  
Total earning assets
    
1,623,279
    
1,639,214
    
1,648,872
    
1,632,707
    
1,588,502
  
Investment securities
    
230,138
    
231,916
    
254,383
    
265,976
    
279,607
  
Loans
    
1,373,613
    
1,393,169
    
1,384,285
    
1,330,199
    
1,285,571
  
Deposits
    
1,382,527
    
1,374,520
    
1,379,554
    
1,375,931
    
1,324,507
  
Borrowings
    
153,264
    
170,956
    
155,989
    
130,098
    
140,682
  
Subordinated debentures
    
34,323
    
31,232
    
30,930
    
30,930
    
30,930
  
Shareholders’ equity
    
136,949
    
140,907
    
150,007
    
145,487
    
145,216
  

 
- 4 -
 
CAPITAL BANK CORPORATION
Nonperforming Assets
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
(Dollars in thousands)
                                
                                 
Nonperforming loans:
                                
Commercial real estate
  
$
61,181
  
$
44,086
  
$
25,593
  
$
14,991
  
$
12,888
  
Consumer real estate
    
4,742
    
3,809
    
3,330
    
2,235
    
2,566
  
Commercial owner occupied
    
4,854
    
6,085
    
6,607
    
710
    
1,997
  
Commercial and industrial
    
3,311
    
4,217
    
3,974
    
586
    
1,060
  
Consumer
    
7
    
8
    
8
    
–
    
19
  
Other loans
    
781
    
–
    
–
    
–
    
–
  
Total nonperforming loans
    
74,876
    
58,205
    
39,512
    
18,522
    
18,530
  
Other real estate
    
16,088
    
15,635
    
10,732
    
8,441
    
5,170
  
Total nonperforming assets
    
90,964
    
73,840
    
50,244
    
26,963
    
23,700
  
Performing restructured loans
    
6,570
    
24,814
    
34,177
    
29,040
    
14,715
  
Total nonperforming assets and restructured loans
  
$
97,534
  
$
98,654
  
$
84,421
  
$
56,003
  
$
38,415
  

Other Financial Data and Ratios
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
                                 
Per Share Data
                                
Net income (loss) – basic and diluted
  
$
(1.09
)
$
(0.49
)
$
(0.68
)
$
0.26
  
$
0.07
  
Book value
    
6.54
    
7.57
    
8.68
    
9.58
    
9.03
  
Tangible book value
    
6.36
    
7.38
    
8.44
    
9.31
    
8.74
  
                                 
Common shares outstanding
    
12,880,954
    
12,881,354
    
11,348,117
    
11,300,369
    
11,300,369
  
Average shares outstanding
    
13,021,208
    
12,014,430
    
11,528,693
    
11,469,064
    
11,447,619
  
                                 
Net Interest Margin 1
                                
Yield on earning assets
    
4.99
%
  
5.08
%
  
5.15
%
  
5.43
%
  
5.34
%
Cost of interest-bearing liabilities
    
1.97
    
2.10
    
2.18
    
2.33
    
2.50
  
Net interest spread
    
3.02
    
2.98
    
2.96
    
3.10
    
2.84
  
Net interest margin
    
3.25
    
3.22
    
3.25
    
3.41
    
3.17
  
                                 
Asset Quality Ratios
                                
Nonperforming loans to total loans
    
5.54
%
  
4.23
%
  
2.84
%
  
1.36
%
  
1.43
%
Nonperforming assets to total assets
    
5.37
    
4.24
    
2.90
    
1.55
    
1.40
  
Nonperforming assets and restructured loans to total assets
    
5.76
    
5.67
    
4.87
    
3.23
    
2.27
  
Allowance for loan losses to total loans
    
2.65
    
2.12
    
1.88
    
1.44
    
1.44
  
Allowance to nonperforming loans
    
48
    
50
    
66
    
105
    
100
  
Allowance to nonperforming loans, net of loans charged down to fair value
    
295
    
132
    
115
    
182
    
167
  
Net charge-offs to average loans
    
3.91
    
2.48
    
1.52
    
0.80
    
0.49
  
Past due loans, excluding nonperforming loans, to total loans
    
0.72
    
1.24
    
0.67
    
1.20
    
0.43
  

 
- 5 -
 
CAPITAL BANK CORPORATION
Other Financial Data and Ratios – Continued
   
2010
  
2009
   
June 30
  
March 31
  
December 31
  
September 30
  
June 30
  
                                 
Capital Ratios
                                
Tangible equity to tangible assets
    
7.28
%
  
7.85
%
  
7.91
%
  
8.46
%
  
8.28
%
Tangible common equity to tangible assets
    
4.84
    
5.47
    
5.53
    
6.08
    
5.84
  
Average shareholders’ equity to average total assets
    
7.97
    
8.13
    
8.64
    
8.53
    
8.72
  
Tier 1 leverage 2
    
7.75
    
8.80
    
8.94
    
9.87
    
9.94
  
Tier 1 risk-based capital 2
    
9.09
    
10.24
    
10.16
    
11.17
    
11.52
  
Total risk-based capital 2
    
10.59
    
11.73
    
11.41
    
12.42
    
12.77
  

1
Annualized and on a fully taxable equivalent basis.
2
Regulatory capital ratios as of June 30, 2010 are preliminary and subject to change pending filing of regulatory financial reports.
 
 
Supplemental Loan Portfolio Analysis
   
As of June 30, 2010
  
   
Loans
Outstanding
  
Nonaccrual
Loans
  
Nonaccrual
Loans
to Loans
Outstanding
  
Allowance
for Loan
Losses
  
Allowance
to Loans
Outstanding
  
YTD Net
Charge-offs
  
YTD Net
Charge-offs
to Average
Loans
  
(Dollars in thousands)
                                            
                                             
Commercial RE:
                                            
Residential C&D
  
$
225,974
  
$
44,265
    
19.59
%
$
8,072
    
3.57
%
$
13,540
    
11.07
%
Commercial C&D
    
245,323
    
11,981
    
4.88
    
5,724
    
2.33
    
1,426
    
1.31
  
Other commercial RE
    
211,234
    
4,935
    
2.34
    
3,704
    
1.75
    
263
    
0.23
  
Total commercial RE
    
682,531
    
61,181
    
8.96
    
17,500
    
2.56
    
15,229
    
4.41
  
Consumer RE:
                                            
Residential mortgages
    
169,983
    
4,557
    
2.68
    
2,934
    
1.73
    
1,972
    
2.35
  
Home equity lines
    
93,717
    
185
    
0.20
    
750
    
0.80
    
286
    
0.60
  
Total consumer RE
    
263,700
    
4,742
    
1.80
    
3,684
    
1.40
    
2,258
    
1.72
  
Commercial owner occupied RE
    
180,904
    
4,854
    
2.68
    
3,843
    
2.12
    
1,886
    
2.01
  
Commercial and industrial
    
175,247
    
3,311
    
1.89
    
9,949
    
5.68
    
2,325
    
2.59
  
Consumer
    
6,962
    
7
    
0.10
    
551
    
7.91
    
183
    
4.40
  
Other loans
    
41,757
    
781
    
1.87
    
235
    
0.56
    
209
    
1.00
  
Total
  
$
1,351,101
  
$
74,876
    
5.54
%
$
35,762
    
2.65
%
$
22,090
    
3.19
%


Supplemental Commercial Real Estate Analysis
Residential Construction & Development Loan Analysis by Type
 
   
As of June 30, 2010
  
   
Residential Land /
Development
  
Residential
Construction
  
Total
  
(Dollars in thousands)
              
               
Loans outstanding
  
$
134,298
  
$
91,676
  
$
225,974
  
Nonaccrual loans
    
40,565
    
3,700
    
44,265
  
Allowance for loan losses
    
4,825
    
3,247
    
8,072
  
YTD net charge-offs
    
10,557
    
2,983
    
13,540
  
                     
Loans outstanding to total loans
    
9.94
%
  
6.79
%
  
16.73
%
Nonaccrual loans to loans in category
    
30.21
    
4.04
    
19.59
  
Allowance to loans in category
    
3.59
    
3.54
    
3.57
  
YTD net charge-offs to average loans in category (annualized)
    
14.22
    
6.20
    
11.07
  

 
- 6 -
 
CAPITAL BANK CORPORATION
Supplemental Commercial Real Estate Analysis – Continued
Residential Construction & Development Loan Analysis by Region

   
As of June 30, 2010
  
   
Loans
Outstanding
  
Percent of
Total Loans
Outstanding
  
Nonaccrual
Loans
  
Nonaccrual
Loans
to Loans
Outstanding
  
Allowance for
Loan Losses
  
Allowance
to Loans
Outstanding
  
(Dollars in thousands)
                                
                                 
Triangle
  
$
162,417
    
71.88
%
$
35,738
    
22.00
%
$
5,529
    
3.40
%
Sandhills
    
28,430
    
12.58
    
1,110
    
3.90
    
1,029
    
3.62
  
Triad
    
5,201
    
2.30
    
–
    
–
    
277
    
5.33
  
Western
    
29,926
    
13.24
    
7,417
    
24.78
    
1,237
    
4.13
  
Total
  
$
225,974
    
100.00
%
$
44,265
    
19.59
%
$
8,072
    
3.57
%


Commercial Construction & Development and Other CRE Loan Analysis by Type

   
As of June 30, 2010
  
   
Commercial Land /
Development
  
Commercial
Construction
  
Multifamily
  
Commercial
Non-Owner Occupied RE
  
Total
  
(Dollars in thousands)
                            
                             
Loans outstanding
  
$
150,995
  
$
94,328
  
$
40,808
  
$
170,426
  
$
456,557
  
Nonaccrual loans
    
11,981
    
–
    
–
    
4,935
    
16,916
  
Allowance for loan losses
    
3,725
    
1,999
    
564
    
3,140
    
9,428
  
YTD net charge-offs
    
1,426
    
–
    
15
    
248
    
1,689
  
                                 
Loans outstanding to total loans
    
11.18
%
  
6.98
%
  
3.02
%
  
12.61
%
  
33.79
%
Nonaccrual loans to loans in category
    
7.93
    
–
    
–
    
2.90
    
3.71
  
Allowance to loans in category
    
2.47
    
2.12
    
1.38
    
1.84
    
2.07
  
YTD net charge-offs to average loans in category (annualized)
    
2.04
    
–
    
0.07
    
0.27
    
0.76
  


Commercial Construction & Development and Other CRE Loan Analysis by Region

   
As of June 30, 2010
  
   
Loans
Outstanding
  
Percent of
Total Loans
Outstanding
  
Nonaccrual
Loans
  
Nonaccrual
Loans
to Loans
Outstanding
  
Allowance for
Loan Losses
  
Allowance
to Loans
Outstanding
  
(Dollars in thousands)
                                
                                 
Triangle
  
$
294,328
    
64.47
%
$
15,821
    
5.38
%
$
5,877
    
2.00
%
Sandhills
    
68,321
    
14.97
    
610
    
0.89
    
1,917
    
2.81
  
Triad
    
38,553
    
8.44
    
280
    
0.73
    
757
    
1.96
  
Western
    
55,355
    
12.12
    
205
    
0.37
    
877
    
1.58
  
Total
  
$
456,557
    
100.00
%
$
16,916
    
3.71
%
$
9,428
    
2.07
%

 
- 7 -
 
CAPITAL BANK CORPORATION
CONSOLIDATED BALANCE SHEETS
June 30, 2010 and December 31, 2009
   
June 30, 2010
  
December 31, 2009
  
(Dollars in thousands)
          
           
Assets
          
Cash and cash equivalents:
          
Cash and due from banks
  
$
20,332
  
$
25,002
  
Interest-bearing deposits with banks
    
21,085
    
4,511
  
Total cash and cash equivalents
    
41,417
    
29,513
  
Investment securities:
              
Investment securities – available for sale, at fair value
    
217,243
    
235,426
  
Investment securities – held to maturity, at amortized cost
    
3,082
    
3,676
  
Other investments
    
8,487
    
6,390
  
Total investment securities
    
228,812
    
245,492
  
Mortgage loans held for sale
    
1,893
    
–
  
Loans:
              
Loans – net of unearned income and deferred fees
    
1,351,101
    
1,390,302
  
Allowance for loan losses
    
(35,762
)
  
(26,081
)
Net loans
    
1,315,339
    
1,364,221
  
Premises and equipment, net
    
24,128
    
23,756
  
Bank-owned life insurance
    
23,264
    
22,746
  
Core deposit intangible, net
    
2,241
    
2,711
  
Deferred income tax
    
18,702
    
12,096
  
Accrued interest receivable
    
5,766
    
6,590
  
Other assets
    
32,774
    
27,543
  
Total assets
  
$
1,694,336
  
$
1,734,668
  
               
Liabilities
              
Deposits:
              
Demand, noninterest checking
  
$
130,768
  
$
141,069
  
NOW accounts
    
196,171
    
175,084
  
Money market deposit accounts
    
147,815
    
184,146
  
Savings accounts
    
31,229
    
28,958
  
Time deposits
    
864,794
    
848,708
  
Total deposits
    
1,370,777
    
1,377,965
  
Repurchase agreements and federal funds purchased
    
–
    
6,543
  
Borrowings
    
153,000
    
167,000
  
Subordinated debentures
    
34,323
    
30,930
  
Other liabilities
    
10,757
    
12,445
  
Total liabilities
    
1,568,857
    
1,594,883
  
               
Shareholders’ Equity
              
Preferred stock, $1,000 par value; 100,000 shares authorized; 41,279 shares issued and outstanding (liquidation preference of $41,279)
    
40,273
    
40,127
  
Common stock, no par value; 50,000,000 shares authorized; 12,880,954 and 11,348,117 shares issued and outstanding
    
145,297
    
139,909
  
Accumulated deficit
    
(64,301
)
  
(44,206
)
Accumulated other comprehensive income
    
4,210
    
3,955
  
Total shareholders’ equity
    
125,479
    
139,785
  
Total liabilities and shareholders’ equity
  
$
1,694,336
  
$
1,734,668
  

 
- 8 -
 
CAPITAL BANK CORPORATION
CONSOLIDATED STATEMENTS OF OPERATIONS
For the Three and Six Months Ended June 30, 2010 and 2009

   
Three Months Ended June 30,
  
Six Months Ended June 30,
  
   
2010
  
2009
  
2010
  
2009
  
(Dollars in thousands except per share data)
                          
                           
Interest income:
                          
Loans and loan fees
  
$
17,312
  
$
17,412
  
$
34,723
  
$
33,504
  
Investment securities:
                          
Taxable interest income
    
1,971
    
2,561
    
3,997
    
5,360
  
Tax-exempt interest income
    
483
    
763
    
1,084
    
1,527
  
Dividends
    
18
    
13
    
36
    
13
  
Federal funds and other interest income
    
10
    
6
    
20
    
16
  
Total interest income
    
19,794
    
20,755
    
39,860
    
40,420
  
Interest expense:
                          
Deposits
    
5,604
    
7,033
    
11,755
    
14,799
  
Borrowings and repurchase agreements
    
1,446
    
1,558
    
2,811
    
3,276
  
Total interest expense
    
7,050
    
8,591
    
14,566
    
18,075
  
Net interest income
    
12,744
    
12,164
    
25,294
    
22,345
  
Provision for loan losses
    
20,037
    
1,692
    
31,771
    
7,678
  
Net interest income (loss) after provision for loan losses
    
(7,293
)
  
10,472
    
(6,477
)
  
14,667
  
Noninterest income:
                          
Service charges and other fees
    
854
    
959
    
1,722
    
1,911
  
Bank card services
    
543
    
385
    
958
    
724
  
Mortgage origination and other loan fees
    
339
    
583
    
666
    
1,110
  
Brokerage fees
    
285
    
150
    
472
    
313
  
Bank-owned life insurance
    
255
    
1,165
    
494
    
1,423
  
Net gain on investment securities
    
69
    
336
    
397
    
16
  
Other
    
169
    
146
    
336
    
333
  
Total noninterest income
    
2,514
    
3,724
    
5,045
    
5,830
  
Noninterest expense:
                          
Salaries and employee benefits
    
5,319
    
5,856
    
10,719
    
11,817
  
Occupancy
    
1,456
    
1,348
    
2,958
    
2,721
  
Furniture and equipment
    
700
    
739
    
1,445
    
1,569
  
Data processing and telecommunications
    
525
    
573
    
1,042
    
1,204
  
Advertising and public relations
    
599
    
223
    
1,029
    
546
  
Office expenses
    
288
    
322
    
620
    
657
  
Professional fees
    
684
    
434
    
1,159
    
813
  
Business development and travel
    
307
    
247
    
574
    
575
  
Amortization of deposit premiums
    
235
    
287
    
470
    
575
  
Other real estate losses and other loan-related losses
    
708
    
398
    
2,025
    
568
  
Directors’ fees
    
294
    
477
    
592
    
836
  
FDIC deposit insurance
    
651
    
1,179
    
1,316
    
1,408
  
Other
    
614
    
382
    
1,021
    
740
  
Total noninterest expense
    
12,380
    
12,465
    
24,970
    
24,029
  
Net income (loss) before income taxes
    
(17,159
)
  
1,731
    
(26,402
)
  
(3,532
)
Income tax expense (benefit)
    
(3,576
)
  
382
    
(7,485
)
  
(418
)
Net income (loss)
  
$
(13,583
)
$
1,349
  
$
(18,917
)
$
(3,114
)
Dividends and accretion on preferred stock
    
589
    
587
    
1,178
    
1,174
  
Net income (loss) attributable to common shareholders
  
$
(14,172
)
$
762
  
$
(20,095
)
$
(4,288
)
                           
Net income (loss) per common share – basic
  
$
(1.09
)
$
0.07
  
$
(1.60
)
$
(0.38
)
Net income (loss) per common share – diluted
  
$
(1.09
)
$
0.07
  
$
(1.60
)
$
(0.38
)

 
- 9 -
 
CAPITAL BANK CORPORATION
Average Balances, Interest Earned or Paid, and Interest Yields/Rates
For the Three Months Ended June 30, 2010, March 31, 2010 and June 30, 2009
Tax Equivalent Basis 1

   
June 30, 2010
  
March 31, 2010
  
June 30, 2009
  
(Dollars in thousands)
  
Average Balance
  
Amount Earned
  
Average Rate
  
Average Balance
  
Amount Earned
  
Average Rate
  
Average Balance
  
Amount Earned
  
Average Rate
  
Assets
                                                        
Loans 2:
                                                        
Commercial
  
$
1,158,238
  
$
14,825
    
5.13
%
$
1,187,760
  
$
15,089
    
5.15
%
$
1,115,003
  
$
15,244
    
5.48
%
Consumer
    
215,375
    
2,640
    
4.92
    
205,409
    
2,473
    
4.88
    
170,568
    
2,168
    
5.10
  
Total loans
    
1,373,613
    
17,465
    
5.10
    
1,393,169
    
17,562
    
5.11
    
1,285,571
    
17,412
    
5.43
  
Investment securities 3
    
224,366
    
2,722
    
4.85
    
225,819
    
2,956
    
5.24
    
278,033
    
3,731
    
5.37
  
Interest-bearing deposits
    
25,300
    
10
    
0.16
    
20,226
    
10
    
0.20
    
24,898
    
6
    
0.10
  
Total interest-earning assets
    
1,623,279
  
$
20,197
    
4.99
%
  
1,639,214
  
$
20,528
    
5.08
%
  
1,588,502
  
$
21,149
    
5.34
%
Cash and due from banks
    
17,819
                
19,450
                
15,294
              
Other assets
    
111,383
                
102,321
                
80,296
              
Allowance for loan losses
    
(33,241
)
              
(28,045
)
              
(18,705
)
            
Total assets
  
$
1,719,240
              
$
1,732,940
              
$
1,665,387
              
                                                         
Liabilities and Equity
                                                        
Savings accounts
  
$
30,721
  
$
10
    
0.13
%
$
28,992
  
$
10
    
0.14
%
$
29,609
  
$
13
    
0.18
%
Interest-bearing demand deposits
    
326,706
    
648
    
0.80
    
342,048
    
886
    
1.05
    
368,132
    
1,152
    
1.26
  
Time deposits
    
891,645
    
4,946
    
2.22
    
871,507
    
5,255
    
2.45
    
796,306
    
5,868
    
2.96
  
Total interest-bearing deposits
    
1,249,072
    
5,604
    
1.80
    
1,242,547
    
6,151
    
2.01
    
1,194,047
    
7,033
    
2.36
  
Borrowed funds
    
153,264
    
1,146
    
3.00
    
170,956
    
1,145
    
2.72
    
140,682
    
1,273
    
3.63
  
Subordinated debt
    
34,323
    
298
    
3.48
    
31,232
    
218
    
2.83
    
30,930
    
278
    
3.61
  
Repurchase agreements
    
1,590
    
2
    
0.50
    
4,667
    
2
    
0.17
    
12,010
    
7
    
0.23
  
Total interest-bearing liabilities
    
1,438,249
  
$
7,050
    
1.97
%
  
1,449,402
  
$
7,516
    
2.10
%
  
1,377,669
  
$
8,591
    
2.50
%
Noninterest-bearing deposits
    
133,455
                
131,973
                
130,460
              
Other liabilities
    
10,587
                
10,658
                
12,042
              
Total liabilities
    
1,582,291
                
1,592,033
                
1,520,171
              
Shareholders’ equity
    
136,949
                
140,907
                
145,216
              
Total liabilities and shareholders’ equity
  
$
1,719,240
              
$
1,732,940
              
$
1,665,387
              
                                                         
Net interest spread 4
                
3.02
%
              
2.98
%
              
2.84
%
Tax equivalent adjustment
        
$
403
              
$
462
              
$
394
        
Net interest income and net interest margin 5
        
$
13,147
    
3.25
%
      
$
13,012
    
3.22
%
      
$
12,558
    
3.17
%

1
The tax equivalent basis is computed using a federal tax rate of 34%.
2
Loans receivable include nonaccrual loans for which accrual of interest has not been recorded.
3
The average balance for investment securities excludes the effect of their mark-to-market adjustment, if any.
4
Net interest spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities.
5
Net interest margin represents net interest income divided by average interest-earning assets.

 
- 10 -
 
Average Balances, Interest Earned or Paid, and Interest Yields/Rates
For the Six Months Ended June 30, 2010 and 2009
Tax Equivalent Basis 1

   
June 30, 2010
  
June 30, 2009
  
(Dollars in thousands)
  
Average Balance
  
Amount Earned
  
Average Rate
  
Average Balance
  
Amount Earned
  
Average Rate
  
Assets
                          
Loans 2:
                                      
Commercial
  
$
1,172,917
  
$
29,914
    
5.14
%
$
1,105,457
  
$
29,185
    
5.32
%
Consumer
    
210,420
    
5,113
    
4.90
    
170,103
    
4,319
    
5.12
  
Total loans
    
1,383,337
    
35,027
    
5.11
    
1,275,560
    
33,504
    
5.30
  
Investment securities 3
    
225,088
    
5,678
    
5.05
    
283,327
    
7,688
    
5.43
  
Interest-bearing deposits
    
22,777
    
20
    
0.18
    
22,413
    
16
    
0.14
  
Total interest-earnings assets
    
1,631,202
  
$
40,725
    
5.03
%
  
1,581,300
  
$
41,208
    
5.26
%
Cash and due from banks
    
18,630
                
18,686
              
Other assets
    
106,877
                
79,559
              
Allowance for loan losses
    
(30,658
)
              
(16,952
)
            
Total assets
  
$
1,726,051
              
$
1,662,593
              
                                       
Liabilities and Equity
                                      
Savings accounts
  
$
29,861
  
$
20
    
0.14
%
$
29,204
  
$
26
    
0.18
%
Interest-bearing demand deposits
    
334,334
    
1,534
    
0.93
    
360,738
    
2,355
    
1.32
  
Time deposits
    
881,632
    
10,201
    
2.33
    
798,580
    
12,418
    
3.14
  
Total interest-bearing deposits
    
1,245,827
    
11,755
    
1.90
    
1,188,522
    
14,799
    
2.51
  
Borrowed funds
    
162,061
    
2,290
    
2.85
    
143,442
    
2,663
    
3.74
  
Subordinated debt
    
32,786
    
516
    
3.17
    
30,930
    
599
    
3.91
  
Repurchase agreements
    
3,120
    
5
    
0.32
    
12,924
    
14
    
0.22
  
Total interest-bearing liabilities
    
1,443,794
  
$
14,566
    
2.03
%
  
1,375,818
  
$
18,075
    
2.65
%
Noninterest-bearing deposits
    
132,718
                
127,692
              
Other liabilities
    
10,622
                
11,844
              
Total liabilities
    
1,587,134
                
1,515,354
              
Shareholders’ equity
    
138,917
                
147,239
              
Total liabilities and shareholders’ equity
  
$
1,726,051
              
$
1,662,593
              
                                       
Net interest spread 4
                
3.00
%
              
2.61
%
Tax equivalent adjustment
        
$
865
              
$
788
        
Net interest income and net interest margin 5
        
$
26,159
    
3.23
%
      
$
23,133
    
2.95
%

1
The tax equivalent basis is computed using a tax rate of 34%.
2
Loans receivable include nonaccrual loans for which accrual of interest has not been recorded.
3
The average balance for investment securities excludes the effect of their mark-to-market adjustment, if any.
4
Net interest spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities.
5
Net interest margin represents net interest income divided by average interest-earning assets.

 
- 11 -
 
GRAPHIC 3 logo02cbc.jpg CAPITAL BANK CORP LOGO begin 644 logo02cbc.jpg M_]C_X``02D9)1@`!`0$`2`!(``#_VP!#``,"`@,"`@,#`P,$`P,$!0@%!00$ M!0H'!P8(#`H,#`L*"PL-#A(0#0X1#@L+$!80$1,4%145#`\7&!84&!(4%13_ MVP!#`0,$!`4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04 M%!04%!04%!04%!04%!04%!04%!04%!3_P``1"`!D`,P#`2(``A$!`Q$!_\0` M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4% M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D* M%A<8&1HE)B7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7& MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$! M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$" M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$ MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4 MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#]4Z***`"B MBB@`HHHH`****`"BBO'/VB/B1KN@0^'_``1X(:-?'WC&=[33[B5=R:=`B[KB M]<=Q&I&`>K,.#@B@SJ35.+DR?XG?M%Z7X)\1)X0\/:3>>//B!*@>/PYHQ&Z! M3C#W4Q^2V3!!R_/(.,'- M7=F)"KGJP`ZU^2O[2G[4WBW]I#Q1-*=9WD]HIV7S>[_K0^K_BAX\_9QTC1M8M;CXN>//'7B#[ M/(+:1]=O[F,3`-Y9WH$A*[B.A(P.G//4?`'X7^$_^&8?"'Q!\4?$SQGX(N+V M-TNM5LO%$]M"':Z>-,JY:-0=J]1CN:_,&OT0\9_\HG/#W^_#_P"G)ZIJQY.& MQ/MI5*DH+W8M_D?2-EX6^-/@RP@U7P1\1M)^+.@NGF1Z;XG@CAFECZCR;^W^ M5V/0&1=H]?3L?A=^T5H_CW7Y?"FM:9?>!O'UNGF3>&M;`661>Q.`*_)S]F3]J_Q9^S?XG@DL[F;4O"DTH_M#099"8I%)^9X\\1R@=&'7`# M9%?K+XV\`^#_`-J'X:Z-JD%RR&:%-4\/^(K(F.[TZ9E#1S1L"""#C M0,2U8]?!8KZQ%NB]5O%N_P!SW_3R/5Z*\A_9W^)NL^+M.UWPKXR6.+X@>$+H M:=K'E+M2[5EW6]Y&.R3)\V,#!#<`8%>O4CVJ%=-TZSC8_,$N M99II748]8U!/IM'T]\KYY^*>H#X,_M&^%OB'>N(?"7B73QX4UFY;B.RN!*9; M.=SV5BTD18X"Y!-!RXC11D]DU?\`+\V<)_P5*UNZTG]FNSM;>1DAU/Q!:VER MH.`\8BGF`/K\\*'\*_)6OV]_;)^"]S\=/@'KV@:;'YNN6Q34=-CSC?/%D[/J MZ&1![L#7XC7-M-9W,MO<1/!/$YCDBE4JR,#@J0>00>U7$^1SJ$EB%)[-:$=? MKQ^SI\(-#^.G[!W@CPCXCDO(]*NHGED:QE$'O]^'_P!.3T,QRR2@ZLI*Z47IWV/6O^'6OP<_Y_?%/_@PB_\`C-?1?P=^ M$VD_!'P%8^$-"NK^ZTBR>1K?^T95ED0.Y=E!55XW,Q''1V.%50.222``*_<']DGX.2_`GX#>'?#=^`FKE&OM2P00MQ M*=S)GI\@VID==F>])GMY;7I5ZC]E14;+>_X;&3J,"Z'^VUHEQ:LB?V_X+NH; MV$'[YMKJ)HI"/4"5U!],CL*]ZKYY^#-Z/C'\??&GQ2MCYGAC2K,>$=`N`/DN MPDOFWEPGJOFA$5AP0I]"*^AJD]G#ZJ4ELV[?UY[A1110=04444`%%%%`!111 M0`4444`%%%%`!1110`4444`%8_B_PCH_CWPSJ7A[7[&+4]'U&$P7-K,/E=3[ MCD$'!!&""`0016Q10)I-69\T:9X@\<_LIQ#2/$EEJ?Q#^%EO\MAXDT^+S]4T M>`#Y8;R!>9HT&,3)R`#N'(4<)\7_`-E'X2?MEP3^-/AQXKTZP\2S+ON+O32L ML%RYY'VF`$-'(>[8#%X-/UQLM_:^BROI] MWN)SO,D#*7;W;-.YYU7"\\/9V4H]GT]'_7J?F%X]_P"">'QJ\"Q7]T-#L=>6_TW4H=@C0%F;9*R2'@'@+FOK7P-\'=9^/'_!.#P?X.T&XL[34;PK(L MU^[)$BI?R,Q)56/0'``KV#5/V3;NYTZ>PLOC-\2[>SG1HI;:\U>.]1HV!!7] M[$6P0<*S_``=^Q9;>$?#-GX>A^+'Q'31;0,L&GZ?J\=E"B%MQ7]U$'Y); M/S?Q&G<\VEE_L9RY8/EDFGJC@?A%^S%\(/V*+:'QA\0?%>GWWBF-2T%]J)$: M0'H1:6P+.[\XW`,W'`7D'M]0U7QW^U8(7!P96Y93P/O+7H?@/\`9@^&7PYU-=5TKPK;7&M@AO[7U5WOKO&=*\&>']/T/1+&'3-)L(5@ MMK2!<)&@Z`>OJ2>222 M/:=)_8*^#&G6<:7/AV]U?45!WZQ?:O=&\E;NY=)%`/\`NA1[8_"KX2Z[\*M7=$[FB*[AL<$KA<'KGCOVU?%>NVGPFN/!O@^![ MSQAXNBN+.UMXC\XMHX6ENW'_`&R7RQ_M3)2-I57"DZDHV:Z?UW/H!'61%96# M*PR&!R"/6G5\S_\`!/SXTCXN?L_Z;9WD_FZYX9(TB[#'YGC5?W$GT,>%SW:- MC7G'_!5N]N;'X1>#GMKB6W9M<()BM:=?W$,EO<&,%7.'P5SU!'0G&#S7R]I_ MQU\3_%K_`()N_$I_$6H7-]K6@ZA8V*:K(Q\V>$WEHR;WZLXW,I/4C:3DDDEB M*F+='2I'HVK/>RNUMH?IA17SE^S5X!T'XJ?LC?#73_%>GKK=HEHMTL=Q(XQ* M&E4-E2"3AV'7O7S1^S9\*?"OB_\`;,^,?A/6=*%_X=T?[7]@T^6>7R[?;=HB M[<-GA21R:!RQ4E[-J/Q^?E?L?I)445Q%.9!%*DAC;8X1@=K<'!]#R./>N3\8 M^)=%^"/PKU#5W@\C1/#FF_N;2-CEEC0+%"A.3N8A$7.>2*^//V&/BSXK\-_' MGXC?"WXD,;;Q)J]W)K\44AX%VRAYD3V>)D=1P`L3>M(UJ8F-*I"G+[7X=OOZ M'WI17%?&UVC^#'CYE8JR^'[\AE."#]GDKYI_X)67EQ>_L]^(9+B>2X<>*;A0 MTKEB!]DM.,F@J5?EKQHVW3=_0^RZ**\G_:PE>#]FKXE21NTL0?221@JHH&223P`!WK\[OAE^T;XBTK]MRWU_Q M)%-I_@WXGVD=MHZ3[E46BR/'I\NT]&9D;(Z#[4S=Q2.BOB8T'!2^T[>GG]]C M]%:**_,G]BK]HS7_`(`^(=$\!_$F22+P?XLMH=3T35+J3HZUK$:S7%[A(YIL\O`SCAH.A5=I)O M?2Z[H]SKY_\`A?XATSX@_&KQM\0;W4K2/3]*+>$]`26=%S'$X:]N`#_STG`0 M,.JP>]8_CC]JBZ\3^$=53P%X\2ZA`UG!>ZE:]E9I:_P"73Y_>V4$3*=O]T'S,]O+..M>+_M;_&9/CM^Q;\*O$TD MJR:LNL&RU55ZK=Q6\BR$@=-XVR`=A(*9XM;FH4:V'GU]Y>C>J^3/KO4/A]\; M?'OPXAT$^/O"7A[3]0L$MY;W2?#UR;R.%HP&"M)=LH8J<9`![@BO-?VC_@;H M'[/7_!/KQIX3\/F6>))+&XNKVXQYMW.VH6NZ1L<#@*H`Z*JCDY)^O/"G_(K: M/_UYP_\`H`KPG_@H7_R9_P"/O^X?_P"G"VI(];$4(1H5*F[Y7N[]#>_8J_Y- M7^''_8-_]J/7SK^R1_R?]\>_^W[_`-+HZ^BOV*O^35_AQ_V#?_:CU\U?LOZM M9Z#^W1^T1J>H3I:V%E!J-S<3R?=CC2\C9V/L`"?PH.>6D<+\O_23Z)^,>JV7 MCSXR^"OAW<7D$&CZ65\6:^)Y%5)5B?;8VYR<-OGS(5(^[`/6OG/_`(*#:>OP M]^(W@#XZ>#[RTEU73+N.SOTMYU)D*$O"7"G)5E\V)CCIM'I7N7PD^!7A;XQ: M!=_$CXC>$-/UO7_%UVVJP1ZK;B5[&P(5+.W&>!B%(V/`.YVSS70>,OV+_A%X ME\)ZQI5GX%T/1KR\M)((-1M+-4EMI&4A)%(YRIP??&*"JM&KB:4FDM=4[ZJV MW3^KLZ'QSXPT[X@_LR>)?$NDR^;INK>$[N\@;OM>T2_M:_P#)LWQ,_P"P%=?^@&NQ\"?% M'PE\3[6ZN?"7B+3_`!#!:N(YY-/G$HC8C(#8Z$BN._:U_P"39OB9_P!@*Z_] M`-2>O6DI4)N+NK/\CYG_`."?T7Q4?]G:$^#KGP?%I7]I76T:Y;W3SB3YM>6_$JZU;PA^UCX>U7]J6RDU?2SM.CW>A2[=(A1)`0WDE-[HK$%U+ M!^06#J0#ZK_P3Z^/?PZ^'?[/$&D>)O&FC:'J@U.ZE-I?7:QR!&*[6P>QP:Y+ M]J'7KC]O+XC>#_!7PJT^XU7P_HLLLFH>*Y;5X[*)I-@8AV4?*BQDXZNQPH.T M$UU/G9:M:.]_5'U=^U#X@_M#PSH7P]LK];*^\>WG]F278D"_9]-5 M?,OI@3@']SF,*^JOV2O^39OAG_V`K7_`-`% M&Q%"2Q<8PK+5*2EZIQ_X<^7/V9_VE]3E^'_C7X)_$KSM/\<:#I-]:V,EZ^-O$^F:#XJM M1`,3H/[KJ5)[!MP'`I;GJT)K"U)8:H]-XM]NJ]4SU*7XE^)?$ M_P`3/%'A3PCIVEK%X62V&I7VLS2CS[B>(3)#$L:G`$94M*2<%P`AP:[BS\)Z M29XM2N-`TJ#6'13--#`CL'X)`E**S`-T)`S@'`KE-0^$=Q;>/=7\6>&/$EQX M;O=`6L5S%=-"NR*90_,S)",NZHI;:ON<8&>.>:X5OB=XM\)ZQX*3QEHFG6^G^*KH:<#IDTCR:5>/&\ ML4,NX8F5A&RF50F&`^7!R/1/%WA73?'/A75_#NL0?:-+U6TEL[F('!:.12K8 M/8X/!['!KA=/^"MS<:KX3N/$WBF[\3VOA5S/I=M-;I#NN`C1I<7+*?WLJ1NR MJ0$7+,Q4D@@%457F]S;3\];_`"/4:\O^-?Q7N/AG?^#+6&YT738==U":TGU+ M7YC%:VJ1VDT^YF#+@L8@@R>KCKTKU"N`^*GP;T;XORZ"FNDRZ?IDEV\EGL!6 MY6>SFM64D_=P)RP(Y!44%U5-PM3WT_,T_A5XTN?B)\/M%\17>FMI%Q?Q%VM2 M68##LH9"RJQ1PH=25!*LIQ70:S>MIFD7UXBAVMX'E"GH2JDX_2LWP+X=N_"/ M@_2-$O=7N-?N+"W6W.I72*LTX7A6?'!;;@$]R,]ZU-3L5U/3;NS9BBW$3Q%A MU`8$9_6@J/-R*^]CQO\`9\^/&J?%Y[5+NSTR>&X\/V6MO?Z+*\D-I-/NW6,V M<@3(`"1NSC.57O[=7/\`P_\`",7@#P'X;\,07#W<.B:;;::EQ(H5I5AB6,,0 M.A(7./>N@H)I1G&"4W=GF%W\1?$/B7XA>)O"O@^STL-X9@MVU"]UB239+UFD.<;U`1N2-[X0_$>#XM?#O2/%-O92::+WS8Y;.5PY@FBE>& M9-PX8"2-P&`&0`<#.*R]4^%%W#XWUOQ5X8\1S>'=1URTBM=3C>T2ZAE:(%8; MA%8C9*JL5R2R$;9+*[.SR2.V! MEW=W1?!_]G>P^#.L1WNCZQNUYE\:?C1#\'UT& M:6Q-[:W-Y&=3E#8%A8&2.&2Z;GD))/`,`'AF/121Z;7GOC#X'>%OB'J&LW?B MFQ36FO[9;&-9AC[+;A3E$QW+O(Y8\_,HZ**"JO.XVI[GH5<]\0M8U+P]X(US M5=)6U:_L+22ZC6]5FB8(-S*0I!Y4$#GJ14G@7PW-X.\&Z+H5QJ4VLRZ;:1VA MO[A`DDX10H9@.-V`,^IYJWXDT5/$?A[5-)DD:&._M9;5I%&2@="I('MF@MW< M>S,?X6>(M3\7_#OP]KVKI:17NJV,-\8K)6$<:RH'5?F))(#`$]R.U;VLWK:9 MI%]>(H=K>!Y0IZ$JI./TJEX-\-Q^#O"&AZ!%,US%I5C!8I,XPT@BC5`Q`Z$[ M&=7U_469-.TJSFOKEE&2(HD+N1 M^"FJGP_\(Q>`/`?AOPQ!/4$B@4>;D5][?B>00_&GQ/HVF^`_$/B/1-. MM]`\7W]II\=K93N]YIKW?_'J9"PV3`DJK[0FPMD;P":]H@@CMH8X88UBAC4( MD:+M55'```Z"O*-*^`;1VO@_2M:\47NO>'?"5S%=Z78S6\<'M+UN/1I];LFU!8=0BM`6 MF@M!#+)-.BC[QC6+>5[J&QS70>#/&5IXVCU*[T^:"[TR*XB2TN[9]Z7$3VL$ MZN#[^<1QV`K1U;1(]6O=(N))"O\`9UTUTJ@`AR8)8=I]L3$_@*Y_X8_"O1?A M+I^L:=X?1[?3=0U.74UM&.4MFD1`T+LSPO\`X;A^+G_0WJ_SO[V'_#WJ_SO[V'_#WJ_SO[V'_#WJ_SO[V'_#WJ_SO[V'_#WJ_SO[V'_# MWJ_SO[V'_#WJ_SO[V? M;G[+OQ`UKXG_``=TSQ!X@N$NM3GGN$>2.)8P0LC*ORJ`.@%>LT44CZG#MRI1 );[!1110=!__9 ` end GRAPHIC 4 letterhead.jpg begin 644 letterhead.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_X0!F17AI9@``24DJ``@````$`!H!!0`! M````/@```!L!!0`!````1@```"@!`P`!`````@`!`3$!`@`0````3@`````` M``!@`````0```&`````!````4&%I;G0N3D54('8U+C`P`/_;`$,``0$!`0$! M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`?_;`$,!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`?_``!$(`&\! M_0,!(@`"$0$#$0'_Q``?```!!0$!`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$#$0`_`/[^****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH` M****`"BBB@`HHHH`****`"BBB@"/(50Q.-H;KZFO$OC[^T#\+/V:_AY??$CX MM>)8?#_AZTG@L;*%(Y+W6?$&MWK%--\.^&]'ME>^UK7=3F_<66FV,4LTS%B5 M6-'=?;&X0CHP[GH"U_;)_:D^*'[5'Q%M_[=\`?L^^/O M$OP7_9B\(WP\_1-&UKPI,-,^(WQ::RDS;7'B76-;BFT/1-0:-VTW1[*;[+(K MWDA#5M?+I>W]>BU['G8ZO5I>RH85PCB<34:A*I&4X4U%)U*LX1E%RC%-:*2O M*44]&[4M>^)'[#?\`@G5^SCI]E)J)\4_$#3K#QG\>-2T$ M+YJZUJ=AJEYIW@?X;1R0A72PU!_$&I`3*DJ131F,_@5^T_\`\%#O^":/ANQ\ M5^#]6_:@_;@_:\\8#2=6L;76]/\`&]QI/P_C\1-;LL%]:0V2>'["*R74$BE5 M+*RO+9X052210#7QQ_P<-_\`!1SQS^T!^TOXJ_91\':]?:/\#?@/J\F@:SI6 MFWDL-MXZ\?P1QMK%_KBQ,B7=IHW\]<9>(#H9AB\HR^$O&47*&%PD%#"4*-.6EX0E.4N5N2=[_`-T7[-@_9X^"?_!/S]D' M]HKXY_MC?M/?L\ZW\>VDT&#Q?X8^(.I7_A0>)C=Z]?6#Z[H%_IVL:5:V$=C9 M_O2]NEN'5EED0,SU^KOAKXA_MN_!7PKI7Q+\,>+_``5_P4>_9SU2UCU.#6_! M=II?@?X[V&A.JW']I:0NDW5_X$^(ICB9@=-A'AS4Y/+&WS+ES$/YK_VW_`/C M?XA?\$#O^"9.F^`_!_B?QIJ-GXQEN[VR\*Z%J>O7=K9G2?&4/VFXM]-MKF6& M#SI$B\V1%0/(JYR17)_\$"/VD?VM?V4OVD_#WP"^('PU^,C?LZ?&F_.B7EAK MW@WQ5#H_@#QC<9DTOQ7I\]YIRVVF6EW*AL-:B4PVTT5Q'<.HFAW-%N9/^Z[) M;6V^25]+O;T/I\OX@_L[-(E0HXG%X2E.2Q6'4: MF$K4959.+E*/M(7;4XVNO[A/V?/VBOA7^TS\/[;XA?"CQ"-8TEKFYTK6-,NX M9-/\1>%/$5BWEZIX8\4Z)F7]^(O-U+1]8G2[E_T5&/ZRQD&)2#G>`0 M1]T[QD$'TY]R*R:2M9[[_A_5NC3U=C]>P5>I4=;#XCD>(PTX*'[9/[)FGVVN_$7^QK3PS\;?@C?WZZ5H?QZ\"Z8[2Z=< M:=J+J8M&^)?A4-,/#>JW$3VNHVEQ+I5^\<;Q2I:]YV;2NM]%VTZZ*VB6K^9Y M..A.G6P>.A3=;ZNJM*K3BKS^K5X04Y4XK652$J=*5KWY5/E;ERI_YX'_``5A M^%/BKX/_`/!0_P#:Q\.>++2>VNM:^+_BSQUI-=0E\1Z3=VKN`L M\)M[WR-\;%1-!*AP4(K\\=H(8]=JY4YX.,>N.&SQUR*2X=K^VA>)!\R`@5O&5HM6=_E;9 M+RWZ/1>71?ROQCP7FN#S/&8W`8>IF.68O$UL31Q6$M7G"-6HJE2EB*:?MJ52 M#YHM3BE9-IW/Z8?"O_!2?Q=_P3+_`."*W_!/SXI^#OA;X9^*U]XZ+^"KO2/$ MWB'5/#UII]MM\3:R;^WN=,L=0EGN#+9+;B&6-(]DC.6)`4\O^Q;_`,''/[2? M[8O[3?PE_9WT#]CSX:6#_$/Q+#IVK:SIWQ!\6WL_A[P[`CW.MZ^8'\/Q0O'I MMC'),!.\<3.8U=E#@UYI\1_V'OV@_P!NO_@BC_P31^%?[/OAJPUG7]"\3MK? MB2ZUK5;?1=*\.Z(+7Q9ILFJ:G/5/$6KBPAN76%KB6VME6-LG9-IIZVU27DMWY_=OU1^IX2KQ=+,\ MGI83&?V9POA(K5*>&C!J&#I.MAJ+KTY5ZU6H_<:@KP?`7P7\)-.BM[WQK\OUZ5^;'[/'P/ M^,'Q=^,MK^V7^U?HL/A/Q7I>C:EH'[/_`,!H;V+5;'X)^$]\1W\:B MWU/XH^)K6W@AU:ZM8UM-$L`^DV4DN^:5OTPB"D8`.""1G(/)!Y';G_\`7472 M5E;?S?31[^;Z:]4MC]4P,)UL1BL?.%2FJ\:-&A"K:-18>DIM2J))6J3G-U(J MUU%Q4N65TIZ***D]<****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@` MHHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"B MBB@`HHHH`****`"BBB@`I"0.M+5:[N(;6"2XN)8X((4>6:>:1(888HE+R22R MR%4CC1069V(50"20!F@4G9-]M[M))=6V]$DM6WLD6-P]1_+^=)N7U'3/X?Y_ M&ORNU+_@K=^SCK/CWQ)\.?@1X3^-/[4VO>#+J2S\7WO[/?P\O_&_AGP]>02& M*2TOO%!FL="DG60-&8[2^N&#JP(XKZ"^!/[ANYM%N[Y;4/&9_+#`EVWU MULK+ST_S>E[WZ'F4^M[NW@ MN[:5)K6YACN;>>$[XIX)HEFAE1URKK+&RNK*2&4Y'N6=D[.SV.R.)HRJUJ"J MP=;#J+KP3]ZFI_`VMVI6=K=F7R0.I]Z-R^HK\K/!?_!6/X.?%'Q+\8?#/PE^ M#W[0_P`5;GX%>,M4\"?$*X\$?#U=7MM-\1:5-?)&5+#W6(G&U,* MJ!Q@Y.<_@<=O7)[<]?4?"G_#>_P^U/\`9]^''[2_@WX:_&'X@?#/XC^&-3\8 M6EWX.\)1ZCJ/ASP_I=N;N:_\3V4NH6YTZ.2%9FAV/,SF";<%VC.#^R)_P4<^ M%W[:EKH^O?!OX;?&>7P%K-UK5C!\1]>\&Q:7X-M[_0E87ME=:C_:$LD5QYP^ MSQK]G8/.0F0,FIL]^O;KWTMY:^7W7TCFN`J5:-"&*HRGBJ/M\-&,K^UH+V;] MI'9.*YXZZ15TI:--^Z_'C]D?]G?]I)+!_C!\+_#OBC5]+60Z/XI2*32/&&BL MV%,FD>+-(DLM=L&`X_T>^4`'`49.?E'5O^"9.E'2-3\.^"OVM?VOO`OAK4;& MXTL^&[;XIQ^)]$MM,NHFM[C3K6'Q;HVL7HMVMY'A4-?LP0_>)P:^G/BM^UU\ M&OA#\=O@1^SOXQUY+/XC?M!R>)T\"V!E@1"OABR2[F>_\R020C4IY/L.E#;B M\O$FA1B8R![_`.,/%FF>!O!_B;QIK9G72/">@ZKXAU5+6/SKE;#1K*>_NU@C MROF3>3`_EIN4,Q`R,U5Y*R3\DU?2]GII?33N^QE/#95BY8J4X474H_NL=*$G M2JTVH1J.&(E1E"7\.2E9W:333/RX^%O_``20\"?#/X?^'/A3'^T_^UMJWPT\ M+V\EEIG@:+XH1>&/#PTZ:YGN9=/FC\,:-I>HO;R37$LD@_M'>S-D,.!7VK\" M/V0/V=?V;C?7/PB^%^@>&]`.A&,$<_7\O\EX M*@<'CKZG\OR[5^;7Q%_X*<_!3P'^U'K/['FG^"?BY\0_CAH7AFU\7WGASP#X M0CUJ/^P;F".X-VEU)?VJ,($EC$R[1M9P!DYJ/PU_P5+_`&<+CXP^'_@3\4-- M^)O[//Q*\92I;^"=(^.?@;4/`^G^,+EY%BCM/#^OW+3:+?7.H0Y*[PTG4DHPC7C*,71E-)PA M4YI+W9RC:Z5C]*MP'<<_X9_#CUIOF)DC<,CJ._3/\O\`#K6??ZA8V-A=:A>W M,-M86=M<7EW=3NL<%O:VT1FFEEE=E1(HXU9W3M=G?+%48UZ>'=6FJU:%2K1IN24ZM.ER*I4@KZQIRJT MU-[ZNRV/I\L!W'_ZJ,CU'YBOD3Q[^VO\!/A?^U!\-?V2O'7B63PY\5/BWX/O M_&'@4:E"D&@:S#8ZB^F-HL6KR2I$FO74L4TEEI[(&N(X7$;&0JC?2_BOQ/IO M@_POXB\6ZOYQTGPSHFIZ_J`MXQ)-]@TJSFO;HPQY7?+Y,+[%R-S8&1FAI7LG M?_/S[?>^][,*6+P]:6(C2K4ZCPLW3Q,8M[V3V>VUK[JSNK7:O=6Z7RAF&#JJHZ6)HM4:E.G6DY)J%2K"%2 MG2=FOWE2%2$H1UNI+34]^HI%.5!P5R`<'J,C.#[CH?>EJ3N"BBB@`HHHH`** M**`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHH MH`****`"BBB@`HHHH`****`"BBB@`HHHH`*_!C_@XH_:5\:?L\_\$_-=TWP' M>WFCZ[\9O$]G\,Y->T^XDMKS2=(O+6XU+66@FB*O&U]I]E-8&175D6X+`U^\ M]?EQ_P`%?_V(;_\`;P_8O\=?"GPKY(^)FA/%XS^&37,@B@G\4:0K$:7([8BC M&M6+7.EK++\L+W*.>F14;75^MU]ZL>#Q11QM?A_-J.7NV+GA)JE;FO*SBZD( M\JE)SG24X025W*26E[GH7_!,3]G+P1^S/^Q#\`/`7A#2K'3[B]^'?AGQ1XMU M&TAA^T^(O%OB/2;75M8UB_N82SWT!K@Z'K-WIUK-J6CF]@:WO!IU_)&US:+=0.T5PL$B+,APX(P1 M^(G_``2R_P""D_PEU7]G[P)^SK^TOXITW]GK]ISX"^'M-^&?COX>?%RYC\#: MEJQ\)P+I%GXCT-O$1LH-4M+ZTM89+EK*658;ASD^5)$S?6GQ@_X*<_LX>$-+ M\96'PP\6K\9O&6@>&=5O[>/XF^%O#WB#Q;IJRZ'I^I^)/ M$5[I^E:9IBWTNH74D[,EOL0N*:7-HVO):NR2LO/\?-;G)E68Y33R7`1I5*P\ITZ=2E5I4HRJ0=";56E7HM3<^:*G?5L^)/\`@H?^S/=_\%2[W]I' MX5Z?/=?\(I^RK\.[S2?AK)9S.+/6_P!J+6[:W\17,[[76.Y_X1/PQ8V/AU8\ MNL=[XFOT9D=&4^Y?\$/OVP+O]JG]B3PMHWC2[=OC#^S_`#O\&?BE97LKG55U M+PM#]CTC4M0CEQ.)M2TJ&%I9)`#+=6]SR""HU?@-_P`$[?BYX'^'-A)>?MH_ MM`>$?&'C:[OOB+\2-)\+1_#\:(OQ"\:3'7/%7V$ZEX2O;][:'4[J2SM_M5W< M2):VT49950`?EK\,?!6K?\$A/^"P.E>%-8\9^)/%_P"S_P#\%$-!N8+KQEXM M33+.2+XRVVIO>)/?OI-EIVBP71U*\F@2.&VMM]KKP9E)BC#-+FCRO^:]NMUR M^;>FROH].QX-26-RS.,!G=;"SH4,QY\!FU2I4A436*G&64SY83G&,,-57U>< MN6+2K*^FV?\`\$V\6:)\2M8NM9_:T\17EC'X!^&GC#QY M$$M+[7XWCN[GPSI.H6]A<2,?W,%Y+$\B`R`;`6KS7QO\#?C%>_!C_@N-^W)X MS^&'BCX%_#;]H[X;0Z3\,OAQXOT_^PO$NLZ;X:G@%QXZUSP\ZK-I]F^]N7YMI??IN<&6Y7 M+&<)4\7B*TG3P>'SS%4,+3IQI-5YSS""G.HZDI3256245",973E%\J/$?V`P M&_X(F_#!N"1^R?XH'(SE1X;US@].3P23GI7CG_!N%/#:_P#!,SPYUX'@C/'I[5^6G_!+/QCXB_X=`_#OX"^`-0N-/\`B7^U!\=_B+\' MO#EY8_-J/A_P_J=_-=_$#QE#'AF2+PUX2AOYUN)%,$-]=6,4K*9D!B+=OO\` M_;?)^BT9W86K]5K\*5W!S<.$JTE#2\YJ.5NG3=W%7E4M'=+6[TNC-_X*6?`S MXD?M$_!3QG_P5@^&MSJD'Q#^`WQJTWQ3\!(X3=8?]G;X::A-HM]>VULK#,?B MO7H;KQD+A(QYVD[8SOCG\ROWL\(?M&^%_P!K/_@G'J?Q]\)S0R6/Q#_9R\6Z MM>VLX90-LVFZO#=6KA@"1&K+\I&?-;3_@FQXFL_AE!\ M'H_VU_VDA\.(O"2>!1X6%K\,O[+/AG^S!I#:4MNW@AC]E>P!BP7,BY+&3?R? MQL_X)]:SKO[$/BS_`(*-_P#!*'XCZQ?76F^%_A[\2OB]^SAK&LD13>)?!&J> M&=174[:V*JEO+.;6:PU*:"S7;]JAU9D2.*#%."NU\OD]-?5K\5K8SBL5DV;2 MKXG"U\-A>(,%B,/C)5JU*K"6<4*,ZU&M3=*M4M3Q5.4\/:25N2G%-.,3[/\` M^#9L9_X)N6X/!'QN^*>3C)YU"S/4=>X).>.>#T_H58%OE'()+$C(P2",_%CX=^"M>'QG^)EXVD>*/&.@:)J8M9[ M^U:"X-EJ5_;7(@F4$Q2F+8^TE2<'_$6A^*-)L-?\.:QIOB#0]4MTN]. MUC1[VVU#3K^W8@QW%G>VDDMM_"U-6O%W2W=U9/SNFE_*1XE^*_A+X,?\` M!R#\0O&7C5M<_L2/]G*ST_=H'AS6O%-^+B\TS3?)`TS0;._O_*(1M\WVGVTUC_97@\^,;72=3UW4KTW9O&@TJ*033Z;:PPI+(V8O3Y?&W@WX M?_\`!RI\0O$/COQ7X>\':#_PS;:VIUGQ/JUAHFF"ZFTS3##;?;M2N+>V\^;: MQCA+[WPY"Y&:P/\`@O9XZ^#?[8B?LX?L[?LGC1OCC^U\OQBT?6]%USX1R1:_ M?_#?PA'9W46H77B;Q9X?6YAT:PN;R;3;J."\O85@%H]^"C0#S+5K0=T[J[5] MW?7T?IYWMH?G^*E/^P.):$,11:?$V*G/+W'EQ>8TUB\._JV'Y7*JJLI13C65 M&>B2O%7M^WW[;>K:[<_#'X7?LJ>$M5N'\?\`[2^M:9\*KC4+-V&HZ7\.=+TI M+WXK^,1LS)##:>'+2;3TO9%,<>HZY8QNVZ5=WX[?\$X6/_!-'_@J1^T3_P`$ MZ-8DN;+X(?M`0)\8OV;;K49F2UM]3CC'VGP[9R29CF>XT_[;8OLD#_:-#MMR M&6Z8C[?^%OP,^(O[7_Q=\0?'@_M`_$SX4Z;\$M`B_9E^&VM?#J/PU+_PEDOA MV'2S\7O%KW'B71=:CDAU?QUI8TJTO+%(FGM]#??<31N%'PQ_P6"_8'^+OPD^ M&_@3]O[P'\?OB[\:_C+^R'XOT+Q?90^.K?PP6A\`IJ:S^(8+63PIH&CWK)'< MBUGN1<330)8/?J(U:4N,_E=MZO1)W[-K>VVNKL^I[N$/B1\"?&>G7,]O)I7C.Q^)WBD#3;J2)XWCL];6**!KA& M66TN8K>Y0LL3(VS^P1_P4@U7]JW]E7]H?]GK]H.P'@C]LG]G7X8^//"/Q4\( M:O\`\2[4_$L&B:!J&DGQG86%SY<3%4$U9XK#QJ1<&DG4 MHQE3O=V?YR_MK?%>_P#@9\3O^"%WQ>TKP3KOQ&U'X=?LVZ3XIL_!/AJ-I];\ M1SZ7X*T^X6PLT"R.1\IEG=4=X[6.>158H%/]`'_!*KQ!\/?VI_AG!^WAJ?BZ M/XC_`!Q^+D%YI/BBYNH5A@^"MK9WS-+\&_"&DR23RZ'I>BR+";Z]6[Q$QDW'@G2Q<0R0N#A"9' M5XW!P,JPZU[/X6OK_P#X(N_\%2;WP/="XM?V&?\`@H!KLNI>%G<2)H7PP^+U MWJ,3/!;RA3;6L"7=[)926X$9DTC4K*4$G3AEOE3T6K>K^4>^E]M=NMEJGY>5 M8BMEV635%KTI4[O!8BOE6`6$Q]TDG2E)0PM3VD9>PYU*ZE)L_ MJYHIJLKJKH0RNH96!R&5AD$'N"""#Z4ZL3]?"BBB@`HHHH`****`"BBB@`HH MHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB M@`HHHH`****`"BBB@`HHHH`*\%_:?^,Z_L\?`/XH?&MM$D\2'X=>%K[Q!%H, M<_V4:II^&_$ M.F66M:#K=EQ%'77;J9UH MU)4JD:4E"K*$E3G)749M/DDU9W2E9['R%X9^`VG?&K2M-\1?M1?#7]G?XG:G M?Z7HFOZ/J.F>!4N;S2KB]MUO)]-FO-?.H3WUA9^9$MA?":)[C;(TULGR`^E_ M$*Q^%G[/_P`$/'WBO2/AAX5A\*?#GPUK/CM_"/ASPUH^GVE]<>%M.FU2W,%A M;V26ZWPEM5\B]:)Y[>15G5R4S76_#'X'^`/@_:3V/@+2+G3+:XM[:S*7>M:O MJQ@T^Q+_`1M4N[O[-86:R.+>V@")$&VKP!CTO4-*M-6TZ[TG5+:WO]/U M&UN+&_LKM%GMKRSNXGAN+>X@?*2PRQ.\4D;Y5HV*L""15-ZIWW>MNVGGL^E[ M?E;AI87EH32ITX8F="T:LX*JU4<6DYR=.#DHRLW"3O;?3?X,^&O[2'Q6A^*_ MP`\"?%*Q\`ZG8?M*?"[Q+\0_#%UX!DOA/X)U/PU9Z!K-UH.H"[N;E->\/W&D M^([9+;Q-$MC*=5MI(9;417$.W[<\1^"_!_BQ],N/%'A7PYXDN-!NC?:+-KNB M:;J\NDWJ>4WVO3)+^VN'L+G,2'S[4QR`HA+_`"*1\HZ3IG[&/[+_`(UC$WB; MX?\`P]\9V'AN/1-)L_$_BQ/[2\/>#+J]:^CT7P[:ZS?32:'X>GNU\U;'3E@M MI&AB4J4@C5?2'_:[_9>(./C[\*CDDX/C'2.C<8XN>XX.>GUQ2[:6V\NB_P"' M^?4QHU84(5:6/QF%E4=5.G&I5I^Y!1IVC+GY;VJ1E-77NJ2C?W3XF_8-_:FU M;XW?%SXP>$+#X>>`-%TC0-2\<77C;6?!WA.X\(ZCHOB32/B+K/ACPKINNW$R MI#XWG\4^']+O-@:K=7 M>C:U:6]_I6I1VMG+=);7UE=1RVUQ;RO&HDCE1DQU7(%?&7@3QE_P3_\`AEXH MF\8^!?B9\&_#OB*ZTC5-#O-2L/&VG))?:;J_B2\\77MO>HU\8[K_`(J#4=0O MK>6='DMS>3Q0,D4K)7LUY^UA^RMJ%I=:?>?'GX4SVE];SVMU$WC+1]DMOVNS=NOE_3\C'`UZ5'!1HXK,,#4K?O4Y0K45!J M<5:Z]]=];Z6:2\`_X)^_&GXF_'OX9KJ/C[X4>'_!WP^O?!?@O5O!MUHWA M:]\)>'M5_P"$GTV[N?$?AG3_``WJ>Z*\TCP^QMK>VUNSC_LS68KIFB0X:O?/ MCSXC^'_[+?P(\=?%[0_AGX9DA^%'AW6/$6BZ#H6BZ5HB)?7Q@MYDM9K*R4:5 M#J$[V_\`:]W;Q!FM(WDF$@C&,/P3^T5^QW\/?"OAWP1X1^-?PDT;PMX3TFST M/0=*M_&>E&&PTO3XE@M+2+S+IW,<,2JJ;F+?+R3G%:'B7]IK]D'Q?H6K>&?$ MOQH^#FM^']=L+C3-8TC4?%6B75CJ6G7D+P75G=V\EPR2P3Q.R.C*>#Q@X(&] M=--OT_4=.KAZ6"5!YG@ZN)C0G"&(J5:#4)R7N>ZI:QC-1?+U4%?K?SSX7_'W MXHC]H/PU\`_BK;^#-8O?'GP(N/CEX?\`$W@:+4+&UT5=,US1-$UKPIJEG?W5 MZ;RW67Q#8SZ%KDK)X=(N[( M:_>>']*N-8:P>VE2;3FU.:T>^%C/"SPS6OGB"2)V1D*L17QU\-/'/[!GPEU. MXUOP7\6?A/9ZUS?S_`*U^9IA\1AHTI+%8[!U9>TE*G>O1ER1:CR)R8G'Z[SCPSX`\+W$D%II/AGP MGX7TNYNVM[&VMM+TG1],L+>2YF:*UM4AM;:VABB=BB(D:C/R]J^+OA=XW_8! M^#.JZCK/PU^)7P9\*7VKZ+I?A_59=/\`&FG(+_3-%N]0O--CN86OFBFFM9=3 MO!'=,AN=DOE-*T:HJ^H^)?VF_P!D;Q;HFH>'=>^./PHU#1]4A6"_LI/&FE)' M=P>8KM!,8[M6:%]@66,G;)&6C<%'8$;U77:^N[LK^G8RP->CA\(H5\?E\\4U M+]Y3JT(Q72"=I)V223Z;VT/GS]D[XP_!S]M6?XMWWCSX0?"N?X@?#[QI_9DJ MZCX:T/Q#J6I>`=9M$U;X?:_M+?:/,+>_AW-;V6K6E[91.?)-?4?C MSP?X7^#WPS^(_C+X/^!/AQX+\5:/X.UW5K*]T_P9I%E;3SZ5I\VH1P:C%H\& MFW-U:3?9_+>,W*@;E<'Y.?,M(^,?[#V@>-K_`.(FA_%7X+Z/XOU3PWI_A'4M M7T[Q;H]HU_X?TJ\FOM.L;NWM[B.VE%E<7$YM9GA::))7B1Q$Q2NSUG]J/]DS M7M*U30]4^.?PGO-+UFPNM+U*UD\9:0$N;"^A>WNH'(N0P62&5XVVD$!B>,4[ MKS:ZIZ7VMU=O^!V=DZ-7#1PW+B,;@)8KWFL13J4%)MNZDWS74DFDW?7XD[VM ML?LL^(M7\8?L^?"3QMKUCX:TS5O&W@O1/&.H:?X2T==$T"RN?$ME'K4O;<.-\A`SOC9\3[OPQ\4_V=OA1)H6AZYX8^.7B3QWX:\6 M1:S;?;!%IGAWP%K'B>%(;9]UK.+JZL8K:ZBNXIHGMWD79NP1D^%/VDOV0O!/ MAK0?!_AKXW?"72_#GAC2;'0]#TR'QEI)BL=+TRVCM+&TB+W)?9!;Q1QIO9F( M7DDDFJ/B'X__`+&?BCQ!X+\5ZW\9_A'?>(/A]?ZEJ?A+4)?&>E>=I%]K&EW& MBZE/!MN@I:ZTRZGM7#AE5)&P`<&E>_X?3GDZ]%Q>/,GWOKUO])>'?!W@[PG'%#X7\*>'?#D<%K_`&?"NA:)IND)!8?: M'NA9QI86MNJ6OVF1[@VZ!8?/=Y@F]F-?FCKW[;?Q(@T'Q3\88_#7@^X^$7AO M]I8?LWWG@6[CU`>.=1LCXS@^'U_XN&I-,;&&_.N7`O;7PY+IKV]WH`,S78FD MCQ]EC]KG]EW:0?C]\*LY."/&6C\#C/6X('(R,\CU)KB?!'PR_9'^+'BG5/B1 M\/%\&>-[^T\96WC'6V\-ZXVK>&T\?I:B&T\4:AH=K=OHI\3+:@-%JSI8'%X6ZG-N%.I3DW&T73:C3;TII M-R2LI)*[6B?T7%\//`(D\,71\$>%GN?"%M%;>$[F30-*DNO#%M&@CBAT&ZDM M6FTF)(P$2*Q>%54[0.`*_/SX]_M/Z=X.^.UQ\)_B]\(_"&K^`+J]\$Z?\&_B M3XDTJUU[2!\4]8DLWU+P5K<=_:W,?A_7[[1[F34?".H1M;C4VL[ZQ#&XA19/ MT]Y(``&,`?3DC/8\8^G7M7G?B7X3?#_Q@FHQ^)O">D:Y'JFLZ#X@NTU*V2Y5 M]:\,/#)H.I)YF?)O-+D@B>UN(MDL97AL$Y(M)W=WV]5:WX'1B[)-/F=DK/=::Z6/1TP$4`!0%7"J,*!@8``X``X`["G4@`` M`'````]ATI:D]`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHH MH`****`"BOR)_:F_;B^+/PE^-_QR^&_@WQI\%/#K?"GX1?#3Q]X&\!^-/A%\ M5_B3X[^-7BCQO#\1I;CPAX>O/AUX\T9M(F-WX,TC1]-,?A/7;EKSQ$D[Q316 MK0O]3?&+X[_%O2+3]FGP'\._"_A;PK\9_P!I*XN8F3XF0:KKGAGX5VOASP$W MCCQS+K.DZ!J?A[4O%.KZ*WDZ!INCVNMZ&FH:A,UU/?06EK,C1SQ?-O[KL_6] MEMW>BO;OMJ>9'-L).6*C'VCEA:BI32C&3E4EB982,(*,VU*6(BZ<8U?9N2M4 M5Z;YS[0HKY,_9U^,'Q-\4^/?CE\$?C-!X*NOB-\#;WP#=3>+?AWI^L:)X3\: M>$?B9HFIZOX7UB/PWKVM^)=3\,ZW;S:#K>G:UHLGB+6H$>UM;ZTOC!?I!#\; M?MI?MU?&/X`_%_XL^#?`]SX&LM$^%G[.W@OXS6.G:]\`/CC\7;_QQKWB/6_B MK87?AO4?&/PM\4Z5H'PLTE(/`&F0VOB#Q=I=Q9K+J]]J$DLMGI%W'&.<5'F= MTKV\TU>]_2SOZ:7T'7S7"X?"QQE7VD:4JLZ#BXQC.%6DZJJPFI3C!.FZ%5.T MVI.-J;FY13_7RBO@S1/V^?`6J:]H.C_\(-XWN]%U#7?!/P^UGXG^'ET/7?A3 MI'Q;\=>%]+\2Z-X"M_$]OJZ7>LPW']L:;ID'BW3=)G\,27^H6,)U!3.=GIG[ M-_[6_P`//VHKCQC#\.=$\:VL/P[;3=%\=77BC0)-"C\-?$2>748]>^%]XMS( M9)O&?@Q;&&7Q5;6BSV&GKJNDB.^N&O`%:G%NRDKZZ==+7^ZZ-:698&M4A2IX MB$JM1SC3I^\IS=-+M]3T5^6GQ`_;;^-_@CPK^VKK& MK_"_P7X;UG]G_P`7_"KPW\+M$O-4U/Q7?>(M)^),.EI;Z]K^FZ!=6=YXBUZ? M^T'U/0_AYX/E@US5E6S\.VU]-K-YYD?SZ/\`@I9\:YO#OAN#5+W]G_X6:DFK M?M%VNM_$7XT^$?B7\/\`PQXDO_@>?`3^&OAK9?##7O&.F>./AK\4_B;:^,[_ M`%33_#?B_7]9UJVT/PM?:MH_AKQ$M_;VT$NI%.SNM+ZJWVN7K;=IVZ6.*KGV M7T9$:E[3DY6ZU.:O/EBHI.4H\T4_W-HK\EM#_X*=6_ MQ&^*?[-G@[X4>!M/U_PO\3/"%OK?Q8UBZU99M1\)^.?$WP)USXT>"O@[X/@M MKJVCUGQH;#12WBR[N(9[/0[?4_#FGM9_VEXBB?3^F_8=_;D\4_M%^.;/P%XV MU[X(^(]<\2_`?2?CQ%8_!AO$*W?PDGN?$UIX:\0_!OXIQ>(-?UZ63Q[X8N=8 MT@75TL'A6\:XAU:+4/!^DQ)I\UXU4@VDG>[:79M6O9];72=MGN72SS+J]:G1 MHUG4E5JRH0FH25.52%.C4<8RE;F_CTX7@I)3YHRY>237ZAT5\#_$7]J?QWX3 M_8W_`&C_`-H;3]*\*_\`"7_""_\`C59^';"]L-8N_#MS'\./&>K^'-&FUFPM M=7@U6\-Q9V$5QJ<6GZG8M<7!D%G]E5D1?"_@Y^WUXWU'Q;\:X?%5SX?^.WPS M^$7PQT7Q7K7CCX,_`CXM?"#5?#?Q&U7Q':Z7:?"C6?#OQ<\6Z];ZMJ>K>'KY M?%ZZQ::MH]CX8T73[B[\2&*RU"QND'4BFE?=T:4:%24W"G-4U'FJ.":;_`%LHK\G)/^"J_P`* MY9O#7C#[,-!^%VE6'[0MI\6VU.?0M<\0:-XL^$,?PB/A_2?"VO>%?%6I^"=5 MMM?G^)L5O+=QZG?6K326<4E[I36FH&N@LO\`@J3\#-6TVQ\4)>WFB:/X?U?Q M_I7Q!T!;/0?'NKBX\+?#B/Q]I-KX=\1^`/&VK^&)KC6+:ZLXK`6DOB!M1U&1 M]`DATF^22YB/:0O;F71]M';77U\GH]-&2L\RJ3:6,I77)HYTKPJI1;IS2_4.BORS\3_`/!1O6X_%_@CP;X5_9W^+">,?^%XZ5\)?B+\ M,O$6BZ`OC?R?$OP/\>?%KP]?^#[ZR\9IX5:)_P#A&M,_M#5M2U:73[6RDU"V M:`7BQRQ??_P:^*_AKXX_"[P5\6?"$.JVOAWQQHT>L:?9:[9'3M:T\^=-:7FF MZK8^9,+;4-.O[6ZL;R))98Q/;N8I9(RKLU.,FTGJO)KMW[7UZKJ=.&S'"8NI M4I4*O/.GSS53EYXQNZLG0/B=^S]<_'J_^#.I>-/#XFUC[1+XT M\'7M@-.\86D-W-9Z5J>IZ!JK;_#JXL?%FE_%+PU\-)-2U73-#\9S?$*?Q7>>%]=\67)L+2_U+P+ M#X"TJ""WU!]/M?$$M]8M)<)5(RMRW=_)II;.][;.VBN]4[6U.6AG>"Q4H1P_ MMZTIQYW&%&7-3IJHJ*?"M_X(LO@W=^"=8UOX?>%/#O@?Q%#XIUSXP?&WQGXL\5-IWB;PU\/[70== MTFR\)1^"O":_\)1/K>J:+XQM;N%+^;4;?0],TN>]F\(^-7[87[4GP(\??'>7 M4U^`GQ'^%WP)^%%U\1O%\/AGP!\3/#GBK0==\(-+M4'.*OOHTG97W5[^:M=NVMDW:U MF[Q&;X;#2JQJPQ"5&<8U)*FG&*E"I4]I;G4Y05.C5J2Y8N4:4'5^`O&OQD_9]L[O5X_#5[X6^(GP(MM.\.GX?R> M-H?$7CGP!\1M5USQ=!IT(MKV/2'T'7KM/&-K%$+:70;U-2@T[7_:,_;]\9_! M#XM:IH-W>_!CPOX/\&^%_@CXA?PCX]_X2&'XI?'?_A;/B1M`UX_!:YM_$&EZ M5!;_``\!B_M,MH'C5Y]1<6FJ?\(_;26]W,G4BM6VO5:+>^NVEG>S9G+/,!"F MJDY58Q<8R;=-I14I8B+YIW]FW!X6MSJ,Y-.,8Q4ISA"7ZR45^8'[;7[=.N_! MC3_APO[/M_X`^(5[XIE^*G8\?M?^"F?BR+QUX2G\57GP"\& M^#]7UO\`9Y\.2_"Z\UW4]4^+?BRQ^./@_P`/>(-0^*O@'Q3;>(K7PQJGPU\( M:OK\FE1ZC;>$]7TK5K30=:O+GQ3I,ZP6H'4@FU?9I/MJK[[;/]%=H*V>Y=0Q M$\/.J^>G*E&4DDZ?[VG[5-3YK-1AK+JW[M-3FI17['W&DZ7=R>==Z;I]U-@+ MYMQ9VTTFU?NKODC9L#L,X':H/^$?T'_H":1_X+;+_P",U^.LO_!43Q5XNA_: M9U[X;^$_`-A\.?AU/\`8?@]\2/&M[J\^C:UX1^*WC7Q?X*\5_'/Q[8:5J5G= M67PI\.3^'8M;T9X)=$DO_#[0ZS?ZW::;K%E+='\0:':3Z]JNJ0:'J27M MK9ZC96_BO50ES:WHT_7KB!X)U%5A+9WT;7GRMIVOOL]=K6=]4%+.LMQ$FJ=3 MVEJ5>LI.GI.&'G6IU'3YK2FKX>I*,HQ<)049*7OPYOT"_P"$?T'_`*`FD?\` M@MLO_C-'_"/Z#_T!-(_\%MG_`/&:^(/VU?VF/&'P!TS]G%O#7B_X8?#R+XR? M%R3P#XF\;_%+P;XI\=>'O#>E1?"7XB>/TFL_#_A/QEX)U.;4;W5_"&G:9#-+ MK$EM#;7ERSVTDOER1_*GA'_@IA\5]"U'3Y?BA\&=3\;^"[7X:_M$?$/4?&7P M@\!^)/#C^)/!7P5\>?#30[+XOZ+X8^)GBFUU/1?`&I^'/%^N3RZ7/<^(-6U7 M5["PD\.W]WI\Q$K=2*;3>JM?RO;_`#05LXR[#XB>'J\T9T_9JVWA'PU>>/_#_`,TF MUOY?#.N_VC_PE&KZ))I%O8-&W,M/\`A_Z[]#26:Y5&_-BJ"MSN M[3M:G'FD[\MFN5-Q:=IV:@Y/0_1?_A']!_Z`FD?^"VR_^,T?\(_H/_0$TC_P M6V?_`,9KXDUW]MW1/$?[''Q!_:D^"NBQ>([GPA'JVEMH/B">.\TW0_$>BZ_: M>']#+W6[74O#/AA;J3Q%JNJ^%]3O[6^\/6`M.^!W[0'C/]G_`,>>&?"^K_$'X;:UJ.B?!C4O#7B/PEHOC"?Q M;;6=SXD\6:M?3Z%'JR^'+C0]#\6ZI]OUIH)UU'3[9;V*S'4@K:WNN96UNK-_ MDF_1:VT)JYMEU)PO+G53#/%TY4J7M%.CR5:B<%%.,?A7^ MT#JG@;4[WX->'O"/AOQA\"_!MO\`#OQ7_P`)##\;?BY:_&6?3K*^\??#.>+7 M[+2$\+^#-2U1;&YB'A7Q/'=3Z/KD>IZQH#):[KO[77[<_P`2O@M\:=2^&WP[ MT#PT-`^&_P`.O!?Q.^*7BCQ=\._B?XTT:/2?&GBK6=$MK*^\2^`;RRTCX4:) MIFE^'-4U+4O'7BN#Q)`MQ&I--TS7=1M!U(J^NSY7ZZ_Y/?MYJ\SSC+: M<*\Y-_[/75"I'V<>;G;JK17TC^XK.\W%N-)R2<94W/\`3G_A']!_Z`FD?^"V MR_\`C-'_``C^@_\`0$TC_P`%ME_\9K\Q]8_X*+W6I_M%_$3X5?##P;I?C;X? M_#G]GWX_>-#XNTV>]UO7/'GQR^"U[\-XKWX:>`M&T:X:;5]+TI?'$FD:W=6] ME>7VH^*(I]'TMK2;0-46Y])_9(_:G^(7Q'^''Q+UWX_PZ+H/Q(^&?AC0O&?B M[X;:3\'?B1\'_$'A'1-7\)77B.(7ND_$KQGXOOO$=KJ$^FZQ::-X@TZ32+6X MDTN\M+O3+6^M[B&(52+=D[[Z[+1)NS>^_2^SZ(JEFV75JZP]*7/+FKP=14TJ M2EAX1G-*D(N1]W_`/"/Z#_T!-(_\%ME_P#&:/\`A']! M_P"@)I'_`(+;/_XS7X]?`_\`X*>>(;WPQXH^('[0NE>&/#&AZK\'?!OQ?^%/ M@?1O`'Q+\!>/O$LGCG7H=#T#P/X4G^(M]/H_QE2\OM8\-:(GCOPA#X9T\:]J M`:;P]!H6HZ1JL\GA3]O3]ISXJ?#/P9J/@CP=\#?"WQ1M/A%^TY\E?`'XR7GPLTSX9>%KS0?$^CW]MO" MES!K%I:6*56#M9[JZ\U=+\VOQ[&$,]RNI&#@Y3G.E*M&E"CS5/9QK4Z*;2O& M+G*JI0C*2(H]?7PNFF:-K'BW2M#F\+OX4FN[RPCO=4 M3Q!!+'%9R?>7ASXD:UK'QY^*'PMN+338]"\$>`_AAXITR\ACN1JES?>-K_QW M::G!?2OQ:R6"T@E1YKHSS3JT2Q5&<9;/K;;?2]UW36S.W#9AA, M1RNCS6E55&$G3Y>=RA4J1G%[NG.-*IRRTNX[:H]JHK\G_P!FW]M/XH?%&;QW MXO\`&WBOPC<>&?`.L_M`MK/PL\#?LL?'N'Q<_AWX1_$7QEX'TB/0_C%J_CB^ M^&OBOQ#?VN@:7J-S8:%H`W\9>';W7_``KK>OZC\/\`Q'XJT^/2 M]5GM(O#DR07,VHZ5XDU#3]-U*QM_M(F$JI!I-NREJKM;)7OHVEIWLU9W6C,: M6=Y=4I4ZTJ\:$*L9SINM*"YJ=."G.=X3J0A&,+RDJDH3C&,Y2C%1;7Z845\) M_M&?M2^+OAY\%?@E\1O#&G>&?A7+\9_'O@KPMJOBC]H:PU"V\*?!'0/%GASQ M!XB'B+XG:9HWB#P^UGK?`SXH_$73M>OAX4@N/#_C7QGX(_M;X7 MZ'+,^N:C;^,)?"B>)M&NM9O9;#0]#OUMKJYUR]$4LKIZ/;6WA3PTL-KXB\.W>D:OXDM8]3DB MJ:[^WUX[L/VK/$7PX.F^#O#'P-\!?&?0/@CXN\5^,/`OQ+M[:;6=6\$Z=XMO M-87XV6][%\+_``M?P3:QI^GZ+X3UO1+Q-8$5R+SQ/HM]=Z7:3GM(Z:[RY/G: M_7:RU=]>EKZ&7]MX#V<:KJ2498I8-7BKJK[.-6\O>M&*I2C4E=J<4^64%-." M_6"BOQH3_@I=\3OB'X>_:H\1?`_X36?B?3_AX_P;3]G/[-X=\6^/?$7Q0T'X ME>)K_P`,WWQ.UOP)X0U2Q\02>"`]C-KOAVUT^31+R[\-+:ZU?ZG;VFJ6[P_0 M1_;,UWPQ^Q9\3/VA_$0T#QC\1?AE=:YX_#%-(\=6VMZ?H-AX4 M\1^`?$6N^./&^EWMEIS:OI\\-UH,R;O;HFU= M=]F]+Z6?5!3SO+ZO.Z=23IPP]?$NJX.--TL/5JTJDH_:X_:P\4_"#XEZWI>F?"V'Q_P#"3QH(O'7]H_`G]H2'Q%IG M@6?P"WBO2Q:_LW6NOW?Q.UCQ-K^N3V&D:+=:1XPN]'N?#TEUXF>%+FSN-#CQ M=&_X*"_&CQ'XQ^!NHW7A3PO\//@EXU^$W[/OC#Q[\1KSX3?%#XG^#8?'WQCE MO(M8\$Z)\7?"GC+P[X)\-6OA^^33=`75-8TGQ.;/6M3B76XK.-?+9>TCMK?3 M2W?YV5NK=EV;)_MW`KDO[9>T47"\(I-.;IS;DY\D8TI1:J3E)05FHRG*,DOV M*HK\_P#X._M%?'34?VL_$_[/'QGT7X=:;8W7PQ\5?%+P?+X3\/>/="N-,M-% M\?:'XVEO%8QVL=P%LH([83&266E)._2S:=]-DF_N3.REC\/5@YW ME3C&I6I3]K'D=.5"#J5/:7=HJ,%S.[TVERR32^GZ*_/_`,8?M^Z)\/\`P&OC M7QS\`?CMX,EEUU=+M](\7Z3X.\+V4VFR>%I_%\?B(^.=<\7V/P^AT]]-MVL! M92>*!K1\0LFA)IKWNX+E:%_P4K^#GB>Z\-WOA_P/\5]3\!:UH/P1\1ZO\3H? M#FG)X.\':;^T)IEAJ'PV/B*6764U/SKV34K6SU>/2M/U(:(\L=U?.EE+%<,O M:0_F7X_CV\[[=3-YOET9*$L5",VDU&<:D)6:\\0_"SQ/KO@KPE\*/ACX[TWQKX5TG3-&C\2ZU\0_ M'7BSP>--GTK7?&M[!X3TBQ&@K=2:SKVL1Z596VF:[J&J:M:POIUM)Y_XQ_X* MI2ZEIEAXR^#G@J+Q%X5'A::XU;0;ZRCU[QB?&NA_M->`?@5XD\.:'=^%O%DO MA;7('L?$VI7.A:CIFIWNF7^H#3+]=4DTSS[>1>U@DFWNF]GJEHVNEEZOU.>6 M?Y7&G[1XAV<9S453FYRA3J>RG.*Y;3C&>G-!R334HWBTW^R]%?FUX^_X*:?" MKX;>#-2\4>+/AK\5-&U3PIK7C'0_B/X4UF#P7X?O?A[=^"-+T'7-3AUG7=?\ M7Z;X3U/4-6T/Q-HNK^$=#\.ZYJ^N>*K">\N-)TZ5-+U$VU_6O^"C/P^74]5T MKPY\/_B7>:5'J.C^$-,^)MYH%@OP['C_`,9_":+XM^`]"OF77(O$36^LZ'=6 M<%U>V^E"SL-0FCL+J\@GGB:G[2&W,KZ.W77;3^K=39YSEB;B\73YUR7A:?,G M44I13CRW3M"?->WLW%JIRM-'Z+45\%_LA?MW_#3]I;X+^$?B=J&LZ#X:M[G0 M_A_HOB+Q?J6H:?X7^'NM_&/6_!NFZ]XY\"_#VY\0:PVH:RWA#6+F\TBY4O*_V_P#X*^#_``+IWQ"U2Q\7R:%J>@?M">(;9;32[66Y M%G^S=\0['X:>.!/YE_%;6XNO$&HV\VE75Q<16/\`98FU#4+FQ@AD913@TI%+;7;G5H+A-'UZ]N8]#D2(3>&[[P MGJVNZ!XJL]9>:VCT+4-!U>\LM1FN$A69)$E5/.;O]NJUL6T;P_$="'B:\\#^#],\.:IXD^(-CJK^)D\)ZEX8TL^+O#.BS-I^O7 M.H-XIUJS\-K9'4C)'&^>*MKNDUOL]O2_2^^O9E2S'!0C3G*O'EJTX5:;4:DN M:%27)3=HP;3J2O&G!I3G*,E&+<)6^\J*_-$?\%0OA#JMWHI\#?#'XT_$7P_X MBU7X5^&]$\5^%?#>BG1K_P`6?&SP)!X_^&GAF-=7\0Z9?KJ.N:5<);7LLEHN MGZ%>D1ZM>6R,'K[3^!GQB\/?'SX7^'OBEX8T[6M&TW7+OQ-I-SHGB.V@M-=T M+Q#X*\6:YX&\6Z#JL-K'S#!8NHZ6'Q$*TXQG)J',TXTY1A.49-*,HQE.,6XMJ[M?XG%UBSV)#Y#>9P_Q7_9P\)?&&VM&\2^*/B%INO>'_&<7CWX?^,/#'B2 M'1/%7PR\0)HC>'Y3X)U&+3)8;;3+[39KZ'4](UJTUO3]274KV.]@G@>**'Z# MHIV5K6TWMYMWO]^OJ:RPU"=.5*5*#IRG.I*%K)SJ3E5G-VM[SJ2=3FW4_>34 MDFOG7X4_LU^%/A"=6O\`0O&'Q(USQ7XJ\7V?C/X@>.O%WB6VUOQ;\1=1T[1W MT+3-.\5WQTFVLSX>TO33%#IFA:%I^AZ?IY@1[2*$RW7VCD/BU^QWX1^+'Q!\ M5?$=_BA\:_A[K'COX<^'_A5XWL?AGXPTGPYI7BCP;X9U#Q?J.EV.H"[\,:OJ M=O<1R>.O$L#WVE:GIUR8+X"-XY8HY5^N:*.56M;1:KU[_P"?>[ONS.6!PDJ4 M:$J$'2C-SC"\DE-J2$_%6G?"C1?&"+\,8_&_@3PS8>$_!_C:70=0TJ_OI]>T+2M*TF M2"&75VT&\U+2['4]3T6^O8FE?T[]GC]DOX5_LP3>*'^%<_B^V@\;V^BW'C&R MU_Q)/K]MXD\7Z4=0-_\`$C4VO8#5][>O8FGEV!HU(U:6%HTZD'.4)Q@DX.:Y9\EO@4EHXQLFK MZ:L^9_'W[)_PM^(H^+++._^,.K_``Z\1ZWJ^AZ\=+U7P]XE^%-O9P^! MO$/@^[CM'.D:GH\VGVE\&N%U"VN;N+_2+:2VDEMW\@UC_@GE\*-;\.KHUW\2 MOCW'J]_XC\9>)?&?C>T^(L%KXM^(MUX_TK1M#\3VWC&6/P^-#FMI]&\/Z/IV MDSZ'H6A:IX:M[+_BF]1TF6ZO9+G[WHH<(O>*?_#M_FWKYON%3+L#5GPZ]?)I[ZAJMMIFB:@LFGB2[BGMM2T[ M3+U9RUFJ-J_`']D7X;_L\Z]K?BCPWX@^(OC+Q%JWAW3?!=GK7Q+\4KXKU+PY MX'TC4[[6+'PCH=X-.T^X_LX:GJ$MY?:CK$FK^)-9G@L7UK7-1-A9F'ZGHHY8 MIW44K.ZTZV2_))?(<,OP-.I&M3PM"G4A.52,H4XPM.4(TY3M%).3A",>9IM* M*LT?)&B?LS67B'X!?%GX#_%*>6;P_P#%7QG\7=0U63PS?FVOD\-_$#QSJ_B2 MQCMKV>UE6VU&*QO;=)R;::.*=9$7S%`8U?CA^Q%\&?CUK7B?Q!XGF\8Z!JGC M7P1H'@7Q?)X/UNTTNT\3V'@[Q39>,/!&JZ_I=_I.K:7J^N^#M7MKJ/1+R_L[ MB!M)UC5]%U6SU+3+I+6'[!HHY(M6:35DM==%>WYO[V$LOP'M1F^)'B.T\07'Q M"O\`5)]:\66JW6<_P`+_"FIZ!'I4%E8:+J% MM.;6R%I+':0KXU_X)S_#S5_AEXB\.6?B7Q9X[\;SV?CV[T'7?B]K\NH:5QTC3=,@MY-._X1)=!U#3]57^W!/=Z@',OZ.44O9P_E M7^=MK]_^'[LQ_L?+.645@J$5*/*^6-FTK`?%>O?%OX^>,=7\5?$V\^+FB?%#PY'#X_U/QVFD3>'O@_JOP=M;;7/%&L^ M$_"(O$?B!]1CM[4S3ZZOB?2K!H1$%A@T&! MLEI#CW:BG&$8VLMKZ]6W:[?K9-FF%R["8.-.-&G:5-U9>TMK M!KFF>.?%WBO4O&/B/3YKZ*Q7[7X1U;5M2;[7X>FB,,L-CI;-,;O3[:Z0\/?L M)_"?PSXIT'5M/\7?%Y_`WA+QW>_$SPC\$+GQT7^#OAGQM>WU[JIU;2_#D.EP M:N;2SU;4;_5=,\.WWB*]\,Z9J%RUQ8Z/`T5N(?M6BCDC_*NGX))?@E]R[!_9 MF7J2FL)04E[/WHP46U2C"--2:MSQC&G32C*\;4X)I\D;?(7Q*_8Y\*?$GX\: M)^T1+\5/C7X0\=^'O"]KX.T>U\'>*O#UIX;T[08M2;5-1M[#2]:\(:[-IL_B M.X,E-#-)/8:G&U[!,KD*OT)1 M3Y5KHM=_NL]/-;]^I:P.$4JLO84VZTYU*O,G)3G4IRI3DU)M7G2G*G*R2<6T M]#Y)T3]C;X<:=\//CEX`U[Q7\3O'\W[1/A^Z\+?%#QWXY\46>J^/-5T&3PM< M>#K#3;'4[+1-,TK2[;1-"NKF'2H[71%6.ZN+B^NQ>7=Q/+))\3?V./AC\6?' M7A_QMXJU_P"(_P!ET:Q\(V&I^`]/\6>3\/\`Q=%X$USMO$":K;65K#%]944N6-K65O3SO\`GKY@\!@W!4WAZ;@K M633=[3G4]YMMRO.I4E+F;YW.?-?F=_E3XI_L>_"OXCWOAO6]"O/%7P2\5>%X M_&%G9>+?@7>Z+X`UV]TCX@6VCVWC31=89=`U/3=3LO$`\.Z!/\&7D4GCR3P3X%TCP1I6B_!Z^\5MJGPKD/PY MT&'PWX1O;[0M3L+S59Y=-TRWMC/IT6NP:#JFHVT&KZKH][JD8NZ^XZ*.2-[\ MJO>^W5:?HON1,\NP,YNI/"T93E*,FW!:R@E%.R]WX8Q4M+348J?,HJWQ"W_! M/3]F#3M0^)VL>!/!/_"I-:^*?A3P9X0UC5_A/_9G@:_T73?`VMWGB+2)?#EVVIZ;<6ULT4NUK?[*6C^&_V5?CC\!?AA M?:C>Z_\`%;P7\3K6[\5^.M46_P!8\1^.O'OAR]T@Z_XGU*RL;.V4&1[&U$.F M:796&G:99V]GI^GP6]O'$/L2BA0BMHI;K33?5_>)9;@8J?L\+1I.=.M2;I0C M3:A7512493E.3)?$9U'^V?@IXJN/&WA M/[!>+;VC:_>^!/$_P^N_[4B>WE:^L?[#\7:N8H$>V9;S[+<&0K"8I.>^)G[. M_P`/OBQKFM^(?%1UT7^O_`_XC_L_7XTS4H[.#_A`OBE?^'-2\3F"-[2480A%/=**70^$[C_@GK\$+K7;B_FU_P"*A\+W.LR^+7^&`\:( MOPY3X@3>$&\$M\08M$&D_;E\3#1W:=8VU9O#XU@C63H1U!5G&GXR_8%^!?C; M3-'L=0G\<6%[X:\`_!CX?^%/$&D^(+2WUOPS9_`:]\27WP_UW2I;C2+NQ?Q# M!)XKUF'5Y]1L+_2]7M+C[+V^ M(-UJ/B"[:_OM9MO$6CVVEQ:3?Q7922PAT?3K#2K&.&*TM]-6S#6[\EX>_8S^ M%.@_"+XF?!^XU3QQXCT_XPW?V_XC>+_$&N6,_C;Q'>1VNF:?9S2:AI^C:;H] MA'IVF:-IVFZ?::9H5G8VUI;X6V,TLLK_`%K13Y8Z:+166FRVM]VAJ\#A'R7P M]-^SHRP\+JZC1E%QE!)NUI1E*+;O)J4E?WI7^4O''['OPS^(7Q6TCXJ^)-?^ M(URVEW?@_4Y_A_'XK'_"M]8UKP%,;KPGK&I:!<:?<7T5SIEVMM>2V>D:QI6C MZM>6-A=ZSIFH7%I%(,7XH_L2_#;XNWD][XJ\;_%Z"77O#0\#?$=-#\96NE0_ M%OP%#XBU?Q)IW@OXB0QZ'(FHZ+I%QKNJZ;ILVCC0]:BT*]N=(FU:>UGF$GV/ M12Y8ZZ+5W?FW_7Y]V3++\%-5%/#4Y*M)SJW3]^3WNJ:V:G45K5)\WQMK' M[`?[*6J^//\`A9-I\)O#WA7Q<_@GXE^![K5O!-E9>$+^\M/BO<:!<>*=?GU7 M0K6SUM/%Z/H"+I/B2UU.VU#3EU77"KR2:B[ITGPU_9/\(?#>7Q'J'_"??%CQ MUXB\9W'AR+QGXI^(?BG3O$.N^*O#'A/2=5T;0?`>L20Z!IUB_@ZSM-:U*22P MM;"UOKZ\NY[V_P!2N;J>>67ZEHIJ,4[I)/>]NMK7^Y6]`CE^!A/VD,+0A/FE M.\*:A[\H*G*;4+1G^(_C3I6G> M$--^'G@KPU\;M3T_XA>&_AO\/]'U6VUG3?!_@G2[_1[=;33;6_L-*=;[5Y-: MUYX='TFVEU=X+""->8E_X)H_LX6/@_1O!?@5_'WPFT[2X?B[I%_>_"WQ'8^$ M=3\4>"_CCXK7QC\1/A_XEGM]#GM[WPGJ6J6^F0Z=';6EEK6AZ?H^G6ND:U:; M+B2Y_0:BIY(?RK:VVMM.N_1&?]E9S7/RN<)N/M/XEN:G3:7- MIR12LE8^.;#]AWX,Z5\3='^(NE7OCO3=-T3Q+X:\H>/;K5)+J(QB-+>6/Q/8"U=9 M'9VCG#*@52WMM%4HI;)+6_S-H8+"TG%TJ,:5JSQ'[M(Y/AMXW'Q+&M@ZTT6O_`/%UO&'B3QQX MG-GJ]O;PFWV:YXIU,Z:IMY$M[-;:UN%NT24S?,FD?\$L/V:+32?$OA[7]0^) MWC?PSXWUKPKKWCKPOXE\4:3;>'?&-]X(\/:SX;\*Q:QH_A7PUX9LX=-T6VUG M^T+;2=(CTO37US2]'U>>VEO++?)^DU%)P@[7BG965ULET]/(SJ99E];V7M<) M0J>QI*C24X)J%%1E!4U%Z.'+.<>5IKEG..TI)_.?C']FOP[XU^#G@WX.:CX_ M^*UC:>`V\,RZ!X\TOQ9;0?$-KKPG;-9:;=:WJUQH]UHWB1[BR=[;5;?7O#^H M6.J[OM-[:RWJI\!?";X MRO:WR[&OU/"\_/["#G[*-'F:;?LH.,HPU;T3A!OJ^2-V^56^1-._8Q^'&F_% M7Q!\7D\8_%>[\2:G<>.=3\,V.I>,8=1T+X9^(OB+9/IWBGQ/\/[2[T>6[T[6 MIK.:[M=);6;_`%[3_#EG?ZC8>']/TVPOKFVDJ>)OV'_A#XP\?77C7Q%J_P`0 MM3T?6/%.A^/?%GPLN?$UO)\*O&WC_P`.Z+;:!I?C/Q7X8?26N-1U:/3[*Q^U M6<.JVF@:C=6-G=ZAH]S<6\;C[&HI&I.+JNLX MN-TZK5G-J^KWC,3];I?['/PQL?AUXF^&.H:]\1?$OA_QV/%]_\0[OQ!XJ6YU[QWXN\8:C MX?U.?Q_K^KV6FV$\7C#09_#>GP^%;O1%T?3=!M#+:VNE>4ML+?ZPHHY(K:*6 M_3N[O[^O?;84[>2E)/W6T_AN M/]@WP)!:SWUK\8?VB;3XD7?B^#QC>?&:T^)%I;_$J^N;7PG/X'MM%OIX_#:^ M$KSPU;^&+B2PM]'N?"4L,-R$UF)TUI!J%,M?^"?7P3TZ+P?HND>(OBYI7@#P MK8>!K.^^%MM\0KV?X?\`C:X^'5^=6\,:MXSTK4;.^U&]U9-6(U36+G2=6T:/ MQ'?)'-K\&H[`M?<]%')#^5?^Z;O=WG>[=W4:7M6 M[NK9*ISI(^4_A=^R#\/?A7\1X?B78^+?BIXOU+1-+\:Z'X`T+X@>-IO%'AOX M8:+\1-?T[Q)XQTSP/:3V-OJ%O!J^H:1ID(FU[5-?O=/TNQ@TC3+JSTX-;/>T M/]GVRU;1OVH/!OQ,M;/6O!?Q_P#B)X@UF73;*[N89W\)Z[\/O!7A&>VN+F$0 M3V.IK=>'[Z:&6UD+V^;6XBF$HPOT]11RQ6EE;7\59W[Z::]#6."PL(J$*,8P M3J2<$O=FZE+V,E-._,O96@DW90C&*2C%)?G3XG_X)H_!_P`;CP_=>-_BI^T/ MXR\0>&;^^ETOQ1XH^(FEZUJUOHNH^';;PM=^&+>SO?",KZ.Z\>?$BZ^$&A:+^S]X=\%_# M2#QFXTCQ#I?P!\/6VG^%#\4K;^Q(7UZ\TO5K*TO;6?2K[2UU.*WAAUQ+Z&*. M!?U'HI>SA>_*K]_PU[Z+5/?JZ^'7 MC?5_'7@SQ+>:?K7A+5]/U#7=%U'Q!K^G)'?VMSH%YI&KW$5_H=U>P6%_:5]/ M_P""77[.6E^%M4\*V.N?%V"+5?[:FEUJ/QS!'XBM=0U_XJ>&?C+J.JZ?JD6A MQFTOV\>>%-.U&V,%(/T>HH]G#^2.UMNFFGX(IY/E;=W@ M<.WR>S^#10O=Q2O:*;U=DKO5ZGYI^,/^"5_[._CR-KCQ3XJ^,VK>)=5MO'UG MXV\;W?C/2+OQ9\0;7XD1^'X/$:>([Z\\*W-GITZV?A;0--TJ_P#!FG^%-2TO M2].33+6\6QFN8)O9+/\`89^"EGX.B\$+/XTFTF/QIX$\>&>?7[=]0EU_X>?# MG3/A?H+RW"Z6B-;2>&M)MGU&`0J;K4VFNTD@1Q`OV110H06JBD_3Y??Y[E1R MG+82G..#H*[Y6TV]7=MMMMOY1^$/[%WP%^"MH-+\)^&!? MZ!_PCOPWT4^&?%,&C^(?#RZM\+_"T'@O0?'=OI=YI'DV7CW4/#=I9:=XA\0V M!MFU=;*VFEMHYU>1_+H/^"#?B7-XSOOB+9ZEK>E6;>,-9\:6NA6=QKU]#X:\/ M^'].TO5=#A\/63>'I?#5AH=O9W4U]?W5M?7]W)O]Z44