ࡱ> lnghijkp\'` bjbjLULU .?.?5zzzz$$$d4 /XXD$LNNN.|$˕h3PȒ!>:">:>:Ȓzz<=<=<=>:z8L<=>:L<=<=:GJL {$2;J>d$0/FJ>H;|JJK!'t<=k/%!!!ȒȒ<d!!!/>:>:>:>:$$$nDfzzzzzz  STATE OF MARYLAND OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION DEPARTMENT OF LABOR, LICENSING AND REGULATION 500 N. CALVERT STREET BALTIMORE, MARYLAND 21202 ANNUAL REPORT FOR FISCAL YEAR ENDING JUNE 30, 2008 %%%%% Presented to: MARTIN J. O MALLEY GOVERNOR ANTHONY G. BROWN LIEUTENANT GOVERNOR SARAH BLOOM RASKIN MARK A. KAUFMAN COMMISSIONER DEPUTY COMMISSIONER OFFICE OF STATE BANK COMMISSIONER established 1910 OFFICE OF COMMISSIONER OF CONSUMER CREDIT established 1941 Reorganized as OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION 1996 TABLE OF CONTENTS DEPOSITORY SUPERVISION Banks, Trust Companies, and Credit Unions Annual Overview 3 Consolidated Statement of Condition of State-Chartered Banks 5 Ratios from Consolidated Statement of Condition of State-Chartered Banks 6 Trust Assets Managed by State-Chartered Trust Companies 7 State-Chartered Credit Unions 8 Consolidated Statement of Condition of State-Chartered Credit Unions 9 DEPOSITORY CORPORATE ACTIVITIES Corporate Activities Annual Overview 10 Applications: New Charters and Mergers ...... 11 Affiliates and Miscellaneous .12 Branches, ATMs.. ..14 State-Chartered Banks Asset Size and CRA Ratings .16 State-Chartered Credit Unions and Non-Depository Trust Companies ...18 Other Banks Operating Branches in Maryland .19 ENFORCEMENT Enforcement Annual Overview 22 Investigations and Enforcement Actions . 23 NON-DEPOSITORY COMPLIANCE EXAMINATION Compliance Examinations Annual Overview .. ..24 NON-DEPOSITORY LICENSING Licensing Annual Overview .. 26 Licensees by Category and Consumer Complaint Analysis 27 Monetary Recoveries for Consumers and Maryland General Fund 28 OFFICE SUMMARY Overview of Commissioners Office 29 Revenue and Expenditures 30 Management Organizational Chart 34 BOARDS Maryland Banking Board Members 35 Maryland Collection Agency Licensing Board Members 35 COMMISSIONERS HISTORICAL LIST 36 DEPOSITORY SUPERVISION Banks, Trust Companies and Credit Unions Annual Overview Teresa M. Louro, Assistant Commissioner Marylands banking industry remains sound despite the weakened credit environment and economic downturn. Overall, Marylands state-chartered banks have weathered the challenges and changes in the financial environment as a result of their conservative practices and risk management. The Commissioners Office supervises the safety and soundness of Marylands state-chartered banks through on-site examinations and our quarterly off-site monitoring program. In fiscal year 2008, total assets of Marylands banking institutions decreased by $13 billion, to a total of $29 billion as a result of last years acquisition of Mercantile by PNC. Despite the overall decline in assets, total balance sheet assets of existing state-chartered banks have increased with steady loan growth. The softening of the real estate market has taken a toll on our banks as the levels of noncurrent loans and other nonperforming assets increased, primarily due to problems with subprime mortgages, and concentrations in commercial real estate, and acquisition, development and construction loans. These noncurrent loans rose to 1.61% of total loans, up from 0.77%, while nonperforming assets more than doubled to 1.40% from 0.61% at the end of the previous fiscal year. Net charge-offs to loans also doubled to 0.29% from 0.14%. Meanwhile, loan loss reserves equal 1.16% of total loans; however, the level of nonperforming loans exceeds reserves by 1.74 times. Total deposits increased modestly by approximately 3.74%. Loans were primarily funded by deposits at a rate of 100.47%, still indicating the need to draw on outside liquidity sources, mainly Federal Home Loan Bank (FHLB) advances. Since the previous fiscal year, reliance on FHLB advances increased by 34% and is expected to increase along with other available funding sources. In addition, brokered deposits usage grew by 15% for the same time period, with the expectation that their dependence will deepen in the next fiscal year. With the volatile interest rate environment, the net interest margin declined from 3.96% to 3.71% during fiscal year 2008. The return on average assets declined significantly from 1.16% to 0.47% over the same time period. A good portion of our banks are more reliant upon higher cost funding due to aggressive competition for deposits. Also, the levels of noncurrent and nonperforming loans resulted in higher provisions and less interest income. Capital levels dropped throughout the year with an aggregate total risk-based capital ratio of 12.15%; a 50 basis points decline from the previous year. The downward trend is attributed to the downturn in the real estate market fueling the deterioration in asset quality. The ratio of equity capital to total assets dropped to 9.29% by fiscal years end. The Commissioners Office currently monitors state-chartered banks for concentrations in their commercial real estate and acquisition, development and construction loan portfolios, capital levels, and liquidity positions. Working closely with the federal regulatory agencies, we continue to conduct targeted visitations to monitor those areas of concern, and any other weakening areas identified through our off-site monitoring program. We reach out to our institutions in various ways including on-site visits, attending their board of directors meetings, and discussing activities, incidents and events in the financial market that may impact them. Our office, along with the federal regulators, holds weekly teleconferences with specific banks to monitor their financial positions. The Commissioners Office also examines and supervises nine state-chartered credit unions, five trust companies, Anne Arundel Economic Development Corporation, and American Share Insurance Corporation (ASI). Each institution receives an annual on-site examination, supplemented by our quarterly off-site monitoring program. The financial condition of Marylands credit union industry remains sound. Loans, shares, and net worth all increased in fiscal year 2008, as assets grew $210 million to a total of $3.5 billion. The net worth of state-chartered credit unions represents 11.93% of total assets, which is slightly higher than the 11.04% average for all federally insured credit unions. While net interest margins remain typically low, credit unions continue to achieve overall favorable operating results, reflected in an annualized return on assets of 0.75%, which is higher than the 0.52% average for all federally insured credit unions. State-chartered trust companies continue to operate in a safe and sound manner, although experiencing a 19% decrease in assets under management from $228 billion to $184 billion in fiscal 2008. The decline is attributed to the difficult conditions facing financial institutions in todays weakened credit environment and the volatility in the U.S. and global stock markets. Fiscal year 2009 will certainly be more challenging for our state-chartered institutions. The turbulent financial environment along with a stagnant real estate market will further test risk management practices and business strategies. This environment may also result in an increase of mergers and acquisitions. Consolidated Statement of Financial Condition State Chartered Banks As of June 30, 2008 (in thousands) ASSETS Cash & Balances Due From Depository Institutions: Non-Interest Bearing & Currency and Coin$662,350 Interest Bearing Balances$132,879Securities$4,415,664Federal Funds Sold and Securities Purchased Under Agreements to Sell$364,560Loans and Leases, Net of Unearned Income $21,881,597(Allowance for Loan and Lease Losses)($253,494)Trading Assets$34,183Premises and Fixed Assets (including capitalized leases)$411,529Other Real Estate Owned $89,268Intangible Assets$366,224Other Assets$1,276,831 Total Assets $29,381,591LIABILITIES Deposits: In Domestic Offices$21,779,040 In Foreign Offices$0Federal Funds Purchased & Securities Sold Under Repurchase Agreements $1,268,045Trading Liabilities$0Other Borrower Money$3,405,753Other Liabilities $199,757 Total Liabilities $26,652,595EQUITY CAPITAL Perpetual Preferred Stock$0Common Stock$255,784Surplus$1,559,735Undivided Profits and Capital Reserves$913,477 Total Equity Capital $2,728,996 Total Liabilities and Equity $29,381,591Ratios from Consolidated Statement of Financial Condition All State-Chartered Banks For Fiscal Years 2006 2008 Period Ending June 30: 2008 2007 2006 Total Capital/Reserves to Total Assets9.29%10.61%10.47%Total Capital to Total Deposits12.53%14.69%14.17%Total Loans to Total Assets74.47%69.77%69.21%Loan Valuation Res to Total Loans (Gross)1.18%1.06%1.12%Total Loans to Total Deposits98.82%96.65%93.71%Return on Assets .47%1.16%1.31%Increase in Loans-25.58%7.22%7.55%Increase in Total Assets-30.27%6.35%6.62% Prior Period End Totals (Adjusted) For Fiscal Years Ending June 30 (in thousands) Year Total Assets Total Loans Securities Total Deposits Total Capital 2007 $42,139,079 $29,403,517 $7,216,069 $30,421,947 $4,469,387 2006 $39,619,518 $27,115,636 $7,627,391 $29,262,128 $4,147,295 2005 $37,159,487 $25,497,448 $7,660,557 $27,542,622 $3,711,691 2004 $33,337,923 $22,129,584 $7,918,866 $25,046,174 $3,002,066 Trust Assets Reported by State-Chartered Trust Companies for Fiscal Year Ending June 30, 2008 (in thousands) Full Service Trust CompaniesManaged Non-Managed Custodial TotalFirst United Bank & Trust$468,830$52,906 $2,572 $524,308Sandy Spring Bank$478,778$66,920$70,914 $616,612Total Assets Full Service$947,608$119,826 $73,486 $1,140,920 Non-Depository Trust CompaniesManaged Non-Managed Custodial TotalBrown Investment Advisory and Trust Co.$5,519,949$192,943$529,279 $6,242,171 NewTower Trust Company$7,871,664$0$0 $7,871,664Old Mutual Asset Management Trust Co.$34,428,962$282,546$0$34,711,508Securities Finance Trust Company$2,309,537$0$0$2,309,537T. Rowe Price Trust Company$18,706,277$113,433,126$0 $132,139,403Total Assets Non-Depository$68,836,389$113,908,615 $529,279$183,274,283   Grand Total Assets Full Service and Non-Depository  $69,783,997 $114,028,441 $602,765 $184,415,203  State Chartered Credit Unions Consolidated Statement of Financial Condition (in thousands) Comparative Figures for Year Ending:June 30, 2008June 30, 2007% ChangeASSETSCash$241,764$199,75921.0%Investments.....................................$761,754$723,7915.2%Loans & Leases..$2,362,006$2,245,6005.2%Allowance for Loans & Leases (ALLL).................($16,702)($13,955)19.7%Premises and Fixed Assets.....................$53,952$48,04712.3%Other Assets....$110,116$99,59910.6%Total Assets................................................$3,512,890$3,302,8416.4%LIABILITIESMembers' Shares & Deposits.....................$3,043,152$2,837,2747.3%Borrowings.................$16,300$30,789(47.1%)Other Liabilities.................................$34,217$30,95410.5% Total Liabilities........................................$3,093,669$2,899,0176.7%EQUITY / NET WORTH$419,221$403,8243.8% Total Liabilities and Equity..$3,512,890$3,302,8416.4%Additional Information As of June 3020082007Net Worth to Total Assets11.93%12.23%Net Worth to Members Shares & Deposits13.78%14.23%Total Loans to Total Assets 67.24% 67.99%Total Loans to Members Shares & Deposits 77.62% 79.15%ALLL to Total Loans 0.71% 0.62%Return on Assets (annualized) 0.75% 1.17% Consolidated Statement of Condition of State-Chartered Credit Unions As of June 30, 2008 (in thousands) Total AssetsTotal LoansShares & DepositsTotal CapitalASI Private Share Insurance Fort Meade Community Credit Union $26,399 $9,561 $23,677 $2,498Post Office Credit Union of Maryland, Inc.$35,003$5,246$26,578$8,401U.S. Coast Guard Community Credit Union$33,607$18,865$30,433$3,090Federal Share InsuranceCentral Credit Union of Maryland, Inc.$19,591$15,581$16,685$2,862Destinations Credit Union$45,160$31,414$37,157$7,635Members First Credit Union$32,727$10,266$26,685$5,776Municipal Employees Credit Union$876,878$622,350$738,749$108,743Point Breeze Credit Union$649,644$272,963$569,170$72,558State Employees Credit Union of MD$1,793,881$1,375,760$1,574,018$207,658TOTAL FOR ALL STATE CHARTERED CREDIT UNIONS $3,512,890$2,362,006$3,043,152$419,221 Prior Period End Totals As of June 30 (in thousands) YearTotal AssetsTotal LoansShares & DepositsTotal Capital2007$3,302,841$2,245,600$2,837,274$403,8242006$3,112,221$2,063,541$2,659,307$371,0572005$2,996,701$1,813,530$2,639,925$338,2532004$2,964,498$1,640,845$2,648,385$299,2292003$2,860,709$1,510,146$2,566,593$275,8402002$2,535,822$1,421,939$2,272,527$247,6652001$2,207,544$1,273,600$1,965,079$224,440 DEPOSITORY CORPORATE ACTIVITIES Corporate Applications Annual Overview Marcia A. Ryan, Assistant Commissioner The Commissioners Office began the fiscal year with regulatory responsibility for fifty-six State-chartered banks, with combined assets of $42.1 billion and a total of 735 branches. By the end of fiscal year 2008, the total number of Maryland chartered banks had decreased to fifty-one. Total bank assets decreased by 30% from the prior year, following the mergers of the seven Mercantile affiliated banks into PNC Bank in September 2007. As of June 30, 2008, Maryland banks had combined assets of $29.4 billion, were operating a total of 591 branches, and employed more than 7,522 individuals. The Commissioners Office also has regulatory responsibility for five Maryland-chartered non-depository trust companies, with more than $184 billion in trust assets; nine State-chartered credit unions, with combined assets of more than $3.5 billion; and one SBA guaranteed lending corporation. Applications were received throughout the year from banks, trust companies, and credit unions seeking approval to implement various corporate changes to their organizations and/or to expand their business activities. The most significant change to the structure of Marylands state banking industry resulted from the mergers of the seven affiliated Mercantile banks into Pittsburgh-based PNC Bank. (Mercantile Bankshares, the former parent company of these banks had been acquired by PNC Financial Services Group earlier in 2007.) During the 2008 fiscal year, the Corporate Activities group worked on applications for three new bank charters, eleven bank mergers and acquisitions, twelve bank affiliates, and 29 new branches and ATMs. We also approved 22 representative office permits to out-of-state banking corporations, and acted on a wide range of other corporate applications received from Maryland-chartered banks, trust companies, and credit unions, as well as from various financial institutions chartered or licensed by other states that conduct business in Maryland. The Commissioners Office worked very closely with two de novo bank groups as they each successfully worked through the rigorous process of chartering a new bank. The first was Revere Bank, located in Laurel, Maryland. After raising more than $19 million in capital, the Bank opened for business in November 2007. Blue Ridge Bank, located in Frederick, Maryland, raised $18 million in start-up capital and opened for business in April 2008. Despite the current economic contraction, both banks got off to strong starts. The serious problems that erupted in the U.S. banking industry in 2008 have impacted Maryland banks as well. As a result, the application activity has slowed considerably. As is the case throughout the U.S., we have seen a significant reduction in activity regarding proposals for de novo bank charters and we expect that to continue throughout most, if not all of 2009. BANKS, CREDIT UNIONS and TRUST COMPANIES Activity on Select Applications July 1, 2007 through June 30, 2008 NEW CHARTERS Institution Name Location of Main Office Approval Date REVERE BANK Laurel, MD 10/30/07 Commercial Bank BLUE RIDGE BANK Frederick, MD 04/11/08 Commercial Bank USBC BANK Rockville, MD Withdrawn Limited Purpose Bank MERGERS and ACQUISITIONS Surviving Institution Merged/Acquired Institution Approval Date Principal Location Principal Location BRADFORD BANK* The Patapsco Bank 09/04/07 Baltimore, MD Dundalk, MD PNC BANK Mercantile-Safe Deposit and Trust Co. 09/04/07 Pittsburgh, PA Baltimore, MD PNC BANK The Annapolis Banking & Trust Co. 09/04/07 Pittsburgh, PA Annapolis, MD PNC BANK Farmers & Mechanics Bank 09/04/07 Pittsburgh, PA Frederick, MD PNC BANK Mercantile County Bank 09/04/07 Pittsburgh, PA Elkton, MD PNC BANK Mercantile Eastern Shore Bank 09/04/07 Pittsburgh, PA Chestertown, MD PNC BANK Mercantile Southern Maryland Bank 09/04/07 Pittsburgh, PA Leonardtown, MD (*Merger was approved, but never consummated.) PNC BANK Westminster Union Bank 09/04/07 Pittsburgh, PA Westminster, MD )EAGLEBANK Fidelity and Trust Bank Pending Bethesda, MD Bethesda, MD EAGLEBANCORP, INC. Fidelity and Trust Financial Corp. Pending Bethesda, MD Bethesda, MD AFFILIATES Parent Co. Affiliate Approval Date Principal Location BROWN INVESTMENT ADVISORY & TRUST CO. Beaty Haynes & Associates, Inc. 07/31/07 Baltimore, MD KBank Claires Lane Trust 07/31/07 Owings Mills, MD KBANK K Capital Resolution Trust II 07/31/07 Owings Mills, MD KBANK Hughes Lane Trust 07/31/07 Owings Mills, MD KBANK KW Servicing Trust II 07/31/07 Owings Mills, MD FIRST MARINER BANK Mariner Finance of VA, LLC 09/21/07 Baltimore, MD DAMASCUS COMMUNITY BANK Chesapeake Industrial Leasing, LLC 10/31/07 Damascus. MD FIRST MARINER BANK Compass Properties, LLC 12/13/07 Baltimore, MD HOWARD BANK University Boulevard I, LLC 03/21/08 Ellicott City, MD HOWARD BANK University Boulevard II, LLC 03/21/08 Ellicott City, MD NBRS FINANCIAL 6 Pearl Street, LLC 04/30/08 Rising Sun, MD EagleBank Fidelity & Trust Mortgage, Inc. Pending Bethesda, MD MISCELLANEOUS Institution Name Application Filed Approval Date First Citizens BanK (NC) To act as escrow depository for certain 07/27/07 real estate transactions for benefit of the Maryland Affordable Housing Trust COuntrywide BANK, FSB (CA) To act as escrow depository for certain 07/31/07 real estate transactions for benefit of the Maryland Affordable Housing Trust SECURITIES FINANCE TRUST CO. To refinance acquisition indebtedness 08/14/07 FARMERS AND MERCHANTS BANK To repurchase capital stock 08/22/07 NEWTOWER TRUST COMPANY For change and control of trust company 12/11/07 SUSQUEHANNA BANK To issue and sell subordinated debt 12/20/07 DESTINATIONS CREDIT UNION For waiver of 6% limit on amount of 02/12/08 fixed assets held by credit union MEMBERS FIRST CREDIT UNION Amended bylaws 02/21/08 PROVIDENT BANK of MARYLAND To issue and sell subordinated debt 03/21/08 DESTINATIONS CREDIT UNION Amended bylaws 06/23/08 BRANCH APPROVALS & CLOSINGS STATE BANKS and CREDIT UNIONS Bank Name Main Office Approved Closed BANKANNAPOLIS Towson 1 0 CARROLLTON BANK Baltimore 0 2 CECIL BANK Elkton 1 0 EASTON BANK & TRUST COMPANY Easton 1 0 FIRST MARINER BANK Baltimore 0 3 FIRST UNITED BANK AND TRUST Oakland 2 0 HARBOR BANK OF MARYLAND, THE Baltimore 1 1 HARVEST BANK OF MARYLAND Rockville 1 0 HOWARD BANK Ellicott City 1 0 MIDDLETOWN VALLEY BANK Middletown 1 0 NBRS FINANCIAL BANK Rising Sun 1 0 OLD LINE BANK Bowie 3 0 PROVIDENT BANK OF MARYLAND Baltimore 2 5 QUEENSTOWN BANK OF MARYLAND, THE Queenstown 0 3 SANDY SPRING BANK Olney 0 1 STATE EMPLOYEES CREDIT UNION OF MD Linthicum 2 0 SUSQUEHANNA BANK Hagerstown 8 1 TALBOT BANK, THE Easton 1 1 Total Branches Approved = 26 Total Branches Closed = 17 ATM APPROVALS & CLOSINGS STATE BANKS and CREDIT UNIONS Bank Name Main Office Approved Closed MERCANTILE-SAFE DEPOSIT AND TRUST CO. Baltimore 0 1 MECU OF BALTIMORE, INC. Baltimore 1 0 SUSQUEHANNA BANK Hagerstown 2 1 TALBOT BANK, THE Easton 0 1 Total ATMs Approved = 3 Total ATMs Closed = 3 STATE-CHARTERED COMMERCIAL BANKS and SAVINGS BANKS As of June 30, 2008 Bank Principal Total Assets No. of CRA Name Location (in thousands) Branches Rating AmericasBank Towson $152,415 3 Satisfactory Bank of Glen Burnie, The Glen Burnie $319,043 8 Satisfactory Bank of Ocean City Ocean City $137,790 6 Satisfactory Bank of the Eastern Shore Cambridge $229,932 2 Satisfactory BankAnnapolis Annapolis $374,859 7 Satisfactory Blue Ridge Bank Frederick $27,398 1 New Bank Calvin B. Taylor Banking Company Berlin $357,835 10 Satisfactory Carrollton Bank Baltimore $385,548 12 Satisfactory Cecil Bank Elkton $434,312 11 Outstanding Chesapeake Bank and Trust Company Chestertown $89,688 2 Satisfactory Columbia Bank, The Columbia $1,810,848 29 Satisfactory CommerceFirst Bank Annapolis $161,379 5 Satisfactory Community Bank of Tri-County Waldorf $643,022 10 Satisfactory Congressional Bank Potomac $174,397 4 Satisfactory County First Bank LaPlata $160,760 7 Satisfactory Damascus Community Bank Damascus $170,864 5 Satisfactory EagleBank Bethesda $911,234 16 Satisfactory Easton Bank & Trust Company Easton $150,428 7 Satisfactory Farmers and Merchants Bank Upperco $174,638 7 Satisfactory Farmers Bank of Willards, The Willards $282,243 7 Satisfactory Fidelity & Trust Bank Bethesda $461,029 5 Satisfactory First Mariner Bank Baltimore $1,178,506 27 Needs to Improve First United Bank and Trust Oakland $1,579,147 25 Satisfactory Frederick County Bank Frederick $262,003 4 Satisfactory Glen Burnie Mutual Savings Bank, The Glen Burnie $65,021 1 Satisfactory Hagerstown Trust Company Hagerstown $494,393 11 Satisfactory Harbor Bank of Maryland, The Baltimore $287,896 7 Outstanding Harford Bank Aberdeen $224,252 7 Satisfactory HarVest Bank of Maryland Rockville $205,045 4 Satisfactory Hebron Savings Bank Hebron $427,079 10 Satisfactory Howard Bank Ellicott City $214,181 4 Satisfactory K Bank Randallstown $657,086 8 Satisfactory Maryland Financial Bank Towson $65,792 1 N/A Middletown Valley Bank Middletown $148,291 5 Satisfactory Monument Bank Bethesda $150,609 1 Satisfactory NBRS Financial Rising Sun $225,464 8 Satisfactory New Windsor State Bank New Windsor $211,164 6 Satisfactory Old Line Bank Bowie $268,195 7 Satisfactory Patapsco Bank, The Baltimore $259,817 6 Satisfactory Peoples Bank, The Chestertown $252,998 6 Outstanding Peoples Bank of Elkton, The Elkton $122,518 2 Outstanding Provident Bank of Maryland Baltimore $6,166,361 142 Satisfactory Provident State Bank, Inc. Preston $240,394 9 Satisfactory Queenstown Bank of Maryland, The Queenstown $396,530 6 Satisfactory Regal Bank and Trust Owings Mills $166,814 3 Satisfactory Revere Bank Laurel $43,097 1 New Bank Saint Casimirs Savings Bank Baltimore $106,009 4 Non-Compliance Sandy Spring Bank Olney $3,158,673 43 Satisfactory Susquehanna Bank Hagerstown $3,416,683 56 Outstanding Talbot Bank, The Easton $590,609 6 Satisfactory Woodsboro Bank Woodsboro $187,302 7 Satisfactory Total Number of State Banks: 51 Total Branches: 591 Total Employees: 7,522 Total Assets: $29,381,591 STATE-CHARTERED CREDIT UNIONS As of June 30, 2008 Credit Union Principal Total Assets Field of Name Location (in thousands) Membership Type Central Credit Union of Maryland Baltimore $18,639 Multiple Common Bond Destinations Credit Union Baltimore $44,228 Multiple Common Bond Fort Meade Community Credit Union Fort Meade $26,351 Community Common Bond Members First Credit Union Baltimore $31,982 Multiple Common Bond Municipal Employees Credit Union Baltimore $862,086 Multiple Common Bond Point Breeze Credit Union Hunt Valley $627,613 Multiple Common Bond Post Office Credit Union of MD Baltimore $41,218 Single Common Bond State Employees Credit Union of MD Linthicum $1,840,354 Multiple Common Bond U.S. Coast Guard Community Credit Union Baltimore $30,640 Community Common Bond Total Number of State Credit Union: 9 Total Branches: 35 Total Employees: 981 Total Assets: $3,523,111 STATE-CHARTERED NON-DEPOSITORY TRUST COMPANIES As of June 30, 2008 Trust Company Principal Trust/Fiduciary Name Location Business Purpose Brown Investment Advisory and Trust Co. Baltimore Investment Advisory Services NewTower Trust Company Bethesda Trustee for Multi-Employer Property Trust Old Mutual Asset Management Trust Company Baltimore Trust Administrative Services Securities Finance Trust Company Baltimore Securities Lending T. Rowe Price Trust Company Baltimore Investment Management National Banks, Federal Savings Banks and Other-State Banks Operating Branches in Maryland As of June 30, 2008 National Principal Branches in Total Assets Banks Location Maryland (in thousands) Adams National Bank Washington, DC 1 $355,809 Asia Bank, N.A. Flushing, NY 1 $404,185 Bank of America, N.A. Charlotte, NC 195 $1,327,429,079 Bay National Bank Baltimore, MD 2 $275,751 BLC Bank, N.A. Strasburg, PA 10 $3,653,747 Capital Bank, N.A. Rockville, MD 2 $193,626 Centreville National Bank of Maryland, The Centreville, MD 9 $315,900 Citibank, N.A. Las Vegas, NV 16 $1,228,445,000 First National Bank of Greencastle, The Greencastle, PA 3 $534,872 HSBC National Bank, USA Bethesda, MD 2 $429,142 Legg Mason Investment Counsel & Trust, NA Baltimore, MD 1 $107,534 Maryland Bank and Trust Company, N.A. Lexington Park, MD 11 $297,938 Mellon Bank, N.A. Pittsburgh, PA 1 $27,221,684 National Bank of Cambridge, The Cambridge, MD 3 $226,490 National Penn Bank Boyertown, PA 1 $9,028,303 PNC Bank, N.A. Pittsburgh, PA 208 $128,348,405 TD Bank, N.A. Wilmington, DE 8 $98,855,014 Wachovia Bank, N.A. Charlotte, NC 85 $670,639,000 Woodforest National Bank Houston, TX 8 $2,686,801 Federal Savings Principal Branches in Total Assets Banks / S&Ls Location Maryland (in thousands) Advance Bank Baltimore, MD 3 $72,280 American Bank Silver Spring, MD 3 $504,557 Arundel Federal Savings Bank, FSB Baltimore, MD 6 $423,535 Baltimore County Savings Bank, FSB Baltimore, MD 18 $591,160 Bay-Vanguard Federal Savings Bank Baltimore, MD 5 $164,027 Bradford Bank Baltimore, MD 9 $525,467 Chesapeake Bank of Maryland Baltimore, MD 6 $214,265 Colombo Bank Rockville, MD 4 $143,286 Community First Bank Pikesville, MD 1 $66,411 Eastern Savings Bank, FSB Hunt Valley, MD 5 $1,115,502 Fairmount Federal Savings Bank Baltimore, MD 1 $53,244 First Shore Federal Savings & Loan Assoc. Salisbury, MD 7 $291,671 Fraternity Federal Savings & Loan Assoc. Baltimore, MD 3 $166,532 Fullerton Federal Savings Association Baltimore, MD 1 $9,816 Greater Atlantic Bank Reston, VA 1 $221,494 Hamilton Federal Bank Baltimore, MD 4 $221,899 Homewood Federal Savings Bank Baltimore, MD 1 $68,647 Hopkins Federal Savings Bank Baltimore, MD 2 $268,320 Hull Federal Savings Bank Baltimore, MD 1 $20,628 Ideal Federal Savings Bank Baltimore, MD 1 $7,479 Independence Federal Savings Bank Washington, DC 2 $142,538 Jarrettsville Federal Savings &Loan Assoc. Jarrettsville, MD 1 $77,134 Kopernik Federal Bank Baltimore, MD 1 $30,679 Kosciusko Federal Savings Bank Baltimore, MD 1 $12,802 Liberty Federal Savings &Loan Association Baltimore, MD 3 $52,111 Madison Bohemian Savings Bank Forest Hill, MD 5 $190,182 Madison Square Federal Savings Bank Baltimore, MD 4 $120,899 Midstate Federal Savings & Loan Assoc. Baltimore, MD 1 $136,992 North Arundel Savings Bank, FSB Pasadena, MD 1 $29,375 OBA Federal Savings Bank Germantown, MD 3 $354,194 Presidential Bank, FSB Bethesda, MD 2 $556,034 Prince Georges Federal Savings Bank Upper Marlboro, MD 3 $92,377 Rosedale Federal Savings &Loan Assoc. Baltimore, MD 8 $606,745 Severn Savings Bank, FSB Annapolis, MD 4 $951,585 Slavie Federal Savings Bank Bel Air, MD 2 $177,802 Sovereign Bank Wyomissing, PA 13 $79,189,002 Suburban Federal Savings Bank Crofton, MD 7 $364,427 Sykesville Federal Savings Association Sykesville, MD 2 $89,208 T. Rowe Price Savings Bank Baltimore, MD 1 $128,300 United Medical Bank, FSB Rockville, MD 2 $240,435 Urban Trust Bank Orlando, FL 1 $117,633 Vigilant Federal Savings Bank Baltimore, MD 1 $54,838 Washington Savings Bank, FSB Bowie, MD 5 $444,856 Waterfield Bank Germantown, MD 2 $286,547 Wilmington Trust, FSB Baltimore, MD 1 $971,376 Banks Chartered by Principal Branches in Total Assets Other States Location Maryland (in thousands) Bank of Delmarva Seaford, DE 6 $354,558 Branch Bank & Trust Company (BB&T) Winston-Salem, NC 129 $132,884,104 Cardinal Bank McLean, VA 1 $1,720,115 Centra Bank, Inc. Morgantown, WV 2 $1,161,728 Clear Mountain Bank Bruceton Mills, WV 1 $319,110 CNB Bank, Inc. Berkeley Springs, WV 1 $282,730 First-Citizens Bank & Trust Company Raleigh, NC 1 $13,539,818 Graystone Bank Lancaster, PA 1 $565,293 Imperial Capital Bank La Jolla, CA 1 $4,089,461 Industrial Bank Washington, DC 1 $338,295 Jefferson Security Bank Shepherdstown, WV 1 $240,804 M&T Bank Buffalo, NY 153 $65,079,643 Miners & Merchants Bank Thomas, WV 1 $43,193 Northwest Savings Bank Warren, PA 5 $6,987,020 Orrstown Bank Shippensburg, PA 1 $937,087 PeoplesBank, A Cordorus Valley Company Glen Rock, PA 1 $632,082 Shore Bank Onley, VA 3 $290,272 Standard Bank, PaSB Murrysville, PA 2 $343,678 SunTrust Bank Atlanta, GA 136 $171,500,853 United Bank Fairfax, VA 8 $2,835,436 United Central Bank Garland, TX 1 $947,007 WashingtonFirst Bank Reston, VA 3 $272,040 Woori America Bank New York, NY 1 $1,120,843 ENFORCEMENT Investigations and Enforcement Annual Overview Stephen Prozeralik, Assistant Commissioner The majority of the investigations conducted by the Enforcement Unit involve mortgage fraud. Even before the economic crisis became evident on a national scale, it was impacting the Enforcement Unit by way of an increase in the number of telephone inquiries we were receiving from the public. In many instances, the callers were not victims of fraud, but were expressing anxiety about possible future difficulties in meeting their mortgage obligations. This was due to the upcoming resetting of interest rates on sub-prime mortgages. Callers were seeking advice as to where they could turn to for help. As a result, the Unit needed to expand. The number of investigators increased from four to seven in fiscal year 2008, as the Unit shifted from primarily investigating fraudulent activities, to learning what resources and agencies were available to help homeowners facing potentially difficult circumstances. Members of the Unit received training from the Maryland Department of Housing and Community Development about the HOPE NOW Program, and from the Maryland Mortgage Program about various resources available to assist at-risk homeowners. The Unit also obtained a list of all certified housing counseling agencies in Maryland. Armed with this new training and information, we were able to refer distressed homeowners to the proper agencies for assistance. Unit members also increased their participation in community meetings held to address foreclosure issues with concerned consumers. These meetings were held at night and on weekends to make them accessible to most individuals. Attendees were educated about the types of scams they might face if they found themselves in a foreclosure crisis. Information was also provided to help them avoid becoming victims of fraud. The Commissioners Office worked diligently to develop legislation that will address the mortgage fraud aspect of the foreclosure crisis. This effort resulted in the signing of Marylands first criminal mortgage fraud law. As the economic crisis continues, we expect to see an increase in the number of financial violations reported to the Commissioner. It is likely that people experiencing financial difficulties will turn to payday lenders for loans -- only to learn that payday loans add additional financial burdens that are difficult to overcome. We also forecast that more people dealing with financial problems will seek help from debt management consultants, debt settlement companies, and so called loss mitigation specialists. If the public seeks these services from unlicensed individuals or companies, they will be compounding an already difficult situation. Summary of Investigations and Enforcement Actions Taken During FY 2008 Enforcement Unit Investigations: The Enforcement Unit investigated a total of 242 cases during fiscal year 2008. Indicative of the financial crisis, 167 of these involved mortgages, which is an increase of 44% over last years total number of complaints. The number of complaints involving payday lenders also increased significantly from 22 to 64. The Commissioner of Financial Regulation continues to issue cease and desist orders against these companies and to assist consumers in getting out from under the burden of these high interest loans. Enforcement Actions Taken: During the past fiscal year, the Enforcement Unit served 203 subpoenas and cease and desist orders, which is a 67% increase over the number of subpoenas issued from the prior fiscal year. Investigations conducted by the Unit resulted in the assessment of penalties against violators, which totaled $38,000.00, over and above investigations taken in conjunction with the Compliance Unit which resulted in additional fines and recoveries. As importantly, the Enforcement Unit continued to work with legal authorities at the state and Federal level on the most critical cases. For example, the Enforcement Unit began an investigation into two complaints of potential mortgage fraud alleged against a DLLR licensee named, The Metropolitan Money Store. As the investigators delved deeper into the case, they uncovered a massive fraud scheme that had been perpetrated by the licensee, her husband, several employees and other associates. This led to the discovery of a $35 million dollar foreclosure rescue scam. The licensee and all of the other conspirators in this case advertised their services as foreclosure consultants with a program to help homebuyers who were facing foreclosure. The conspirators arranged for investors-who were really straw purchasers-to obtain new mortgages on the homes of unsuspecting clients. The mortgages were issued to the maximum amount of available equity which was then skimmed by the conspirators. In order for the loans to be approved, the conspirators falsified the straw buyers mortgage applications by inflating income and listing fraudulent additional employment. Working with the U.S. Attorney, this case became the largest mortgage fraud scam ever prosecuted in Maryland history. Well over 100 victims were identified and just recently, 10 persons pled guilty to the fraud and are awaiting sentencing in federal court. The Enforcement Unit continued to participate in many community meetings and foreclosure prevention seminars throughout the State as part of our effort to help Maryland citizens protect themselves against becoming victims of mortgage fraud and other financial scams. NON-DEPOSITORY INSTITUTIONS Compliance Examinations Annual Overview George Kinsel, Director The Compliance Examinations Unit is responsible for monitoring the business activities of over 5,000 licensees, ensuring their compliance with State and federal laws and regulations. These licensees provide a myriad of financial services and products, including consumer purchase financing, personal loans, real estate secured loans, check cashers, money transmitters, and debt management services. The majority of licenses (over 3,000) are issued for the purpose of conducting mortgage lending activities in Maryland. The Compliance Unit focuses most of its resources on this group of licensees. The range of services offered by these companies, coupled with the multitude of laws and regulations governing the extension of credit, makes compliance a challenging arena. As a result of the compliance examinations conducted by this unit, Maryland consumers received refunds of $937,764. The Compliance Unite also levies fines and penalties on licensees that are not in compliance with the law. Beginning in late 2007, the sub prime segment of the mortgage industry began to decline precipitously with a number of companies going out of business. As a result, many borrowers were left without the mortgages they needed to either purchase a home or refinance an existing mortgage. During fiscal year 2008, the decline in the mortgage industry, which began in the sub prime segment, eventually spread to the Alt A and prime loan products. Coupled with the rapid decline in the availability of mortgage loans was a rapid increase in loan defaults and subsequent foreclosures. To address these emerging issues, a number of legislative and regulatory proposals were made. Given the current climate, the vast majority of these proposals were adopted including, standardization of the foreclosure process and requiring lenders to take into account the borrowers ability to repay a loan. The Commissioners Office has been working with mortgage lenders and servicers to reduce the negative economic impact upon borrowers. In order to increase the oversight of the mortgage industry, four new examiner positions were authorized for mortgage examinations. The Compliance Unit was able to attract and hire individuals with substantial experience in subprime lending and mortgage servicing. The Compliance Unit has moved away from a strictly compliance-based examination to one that also includes assessing underwriting standards. This change will help to address the underwriting deficiencies that contributed to the mortgage industry crisis. The Compliance Unit has participated in joint examinations with other states, and was also part of a pilot examination project that included the Federal Reserve, the Federal Trade Commission, and the Office of Thrift Supervision. Members of the Compliance Unit have been assigned to participate on various committees working to standardize the state system of mortgage regulation. These Committees include the: Ability to Repay Examination Committee; Electronic Disclosures Committee; Reverse Mortgage Examination Committee; and Mortgage Servicing Committee. In 2008, the Compliance Unit began the examination of mortgage servicers. This segment has been largely unregulated by the states. However, more and more states are now requiring that servicers become licensed and be subject to examination by the state. The Compliance Units examination of servicers has uncovered some major issues including inappropriate prepayment penalties and loan modifications that result in the consumer being in the same or worse position than before the modification. As part of the ongoing effort to keep abreast of developments and trends in the mortgage lending area, Director Kinsel has continued his involvement on the board of the American Association of Residential Mortgage Regulators, where he has served as a director for the past 8 years, including two years as president. NON-DEPOSITORY INSTITUTIONS Licensing Annual Overview Anne Ecker, Director The Licensing Unit of the Commissioners Office is responsible for the licensing of approximately 18,000 non-depository institutions to ensure their compliance with State law. The large majority of these financial institutions are in the business of consumer credit, and these entities provide mortgages, consumer loans, and retail sales financing. We also license and regulate check cashers, collection agencies, and money transmitters. It is interesting to note that three categories of our licensees have increased since last year. The first two categories are check cashers and collection agencies. Certainly, the economic climate has affected these categories, thus resulting in these increases. The third category of licensing to increase was in the area of mortgage originators. Mortgage originators only began being licensed in 2007. As the mortgage market and economic environment deteriorated throughout 2008, the number of practicing mortgage originators declined substantially. We expect the volume of licensees to decline even more significantly in 2009 as the licenses issued in 2007 come up for renewal. In July of 2008, the President signed the Housing and Economic Recovery Act of 2008. This legislation contains the S.A.F.E. Mortgage Licensing Act (Safe Act), which requires all mortgage originators to be licensed or registered by the Nationwide Mortgage Licensing System and Registry (NMLS). To conform to the requirements of the Safe Act, Maryland is expected to modestly revise its mortgage related licensing framework in the coming year. In July 2009, Marylands mortgage industry will begin applying for and renewing licenses on the NMLS; this is a technologically progressive step that will improve convenience, service, and regulatory oversight. Shifting to NMLS will be a major project for the Licensing Unit and the Office of the Commissioner of Financial Regulation as a whole. Our current system of two-year licenses with staggered expiration dates will be shifted to one-year licenses with a common expiration date of December 31. Likewise, the current licensing data and process must be migrated to the NMLS. New Business Licensees and Total Current Business Licensees by Category July 1, 2007 to June 30, 2008 New LicenseesTotal LicenseesMortgage Lender  7613,728Check Cashers 88 531Sales Finance  112 677Installment Loan  25 249Collection Agency  3141,449Consumer Loan  28 232Money Transmitter 5 76Debt Management 2 36Mortgage Insurance Producers 10 1329Mortgage Originator 2,020 11,172 TOTAL  3,365  18,282  Consolidated Written Consumer Complaint Analysis Fiscal Years Ending June 30 Complaint Type 2008 200720062005Mortgage Complaints601419 451496Collection Agency Complaints589596491525Non-Maryland Bank Complaints (1)538649771884Credit Reporting Complaints483632604632General Consumer Complaints236188208198Maryland Bank and Credit Union Complaints76667870Miscellaneous Complaints 34477994 Consolidated Annual Complaint Totals 2,557 2,597 2,682 2,899 (1) Complaints received against institutions not regulated by this Office, including national banks, federal savings banks, S&Ls, and out-of-state banks. Monetary Recoveries for Consumers and the Maryland General Fund July 1, 2007 to June 30, 2008 Monetary recoveries for consumers are an essential part of the Commissioners commitment to protect the public from economic harm caused by problems in the consumer credit market. During fiscal year 2008, the Commissioners Office recovered a total of $1.3 million for consumers. These recovers included refunds for consumers who were charged amounts not permissible under State or federal law, elimination of charges or fees that were not properly imposed, or other forms of relief provide as a result of assistance provided. Additionally, as a result of our investigations, the Commissioners Office imposed fines and penalties on consumer lender licensees that we determined had violated various State laws and/or regulations. These fines and penalties totaling over $390,000 were paid to the States General Fund, and were primarily related to the activities of unlicensed mortgage companies and mortgage originators.  OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION MISSION The Office of the Commissioner of Financial Regulation supervises the activities of the financial services industry under its regulatory authority through periodic on-site examinations and off-site monitoring programs. The mission of the Commissioners Office is to ensure that the citizens of Maryland are able to conduct their financial transactions in safe, sound, and well-managed institutions, while providing a flexible, yet sound regulatory environment that promotes fair competition, encourages innovative business development, and supports the economy of Maryland. ACCREDITATION Since July 13, 1992, the Office of the Commissioner of Financial Regulation has been accredited by the Conference of State Bank Supervisors (CSBS). The Commissioners Office is proud of this accreditation, and was granted recertification in December 2007 after demonstrating compliance with the demanding approval standards established by CSBS. CSBS is a national organization that represents the interests of state banking departments and the U.S. dual banking system. State banking departments must undergo a rigorous re-accreditation examination and audit every five years and submit annual assessment updates in order to retain certification. The CSBS Accreditation Program is designed to encourage the standardization of supervision and regulation of state chartered banks, identify weaknesses, and capitalize on the strengths of state banking departments. The process assists the Commissioners Office to effectively carry out its responsibilities of chartering and supervising State chartered financial institutions, to ensure industry safety and soundness, legal and regulatory compliance, and responsive service. OFFICE REVENUE and EXPENDITURES The Office of Financial Regulation is a self-supporting unit of the State Government, with none of its operating expenditures funded from tax revenues. The Offices funding is obtained solely from the supervision, examination, application, and licensing fees assessed upon those financial institutions regulated by the Commissioner. During fiscal year 2008, funds collected by the Commissioners Office were remitted to the States General Fund, with the exception of three Special Funds, which are directly funded by Maryland-licensed mortgage lenders, money transmitters, and debt management companies to cover the costs of supervising those industries. The following charts compare the Offices revenue and expenditures for fiscal years 2007 and 2008.. REVENUE and EXPENDITURES General Fund Fiscal Years Ending June 30 REVENUEFY 2008FY 2007 Depository Assessments$2,583,911$3,456,060Depository Amendment and Filing Fees$23,720$25,540Non Depository Examinations$199,030$0Non Depository Investigation & License Fees$1,300,816$940,600Penalties*$392,238 $415,651Miscellaneous Income/Other$3,344$0 TOTAL REVENUE  $4,503,059 $4,422,200*All fines and penalties from all Programs are deposited into the General Fund. EXPENDITURESFY 2008FY 2007Salaries and Benefits$2,613,126$2,609,671Technical and Special Fees$34,945$0Communication$88,575$83,974Travel/Training$222,233$212,201Lease Expense, Parking Facilities $5,532$5,816Contractual Services$57,367$88,307Supplies and Materials$3,389$13,356Equipment $5,396$0Fixed Charges, Rent$31,303 $42,312Land$0 $0 TOTAL EXPENDITURES  $3,061,866 $3,055,637 REVENUE and EXPENDITURES Special Fund Debt Management Fiscal Years Ending June 30 REVENUEFY 2008FY 2007Non Depository Examinations$10,447$2,178Non Depository Investigation & Licensing Fees$130,000$5,000Miscellaneous Income/Other$0$0 Total Revenue $140,447 $7,178  EXPENDITURESFY 2008FY 2007 Salaries and Benefits$101,104$97,835Technical and Special Fees$0$0Communication$205$55Travel/Training$17,282$8,535Lease Expense, Parking Facilities $1,150$672Contractual Services$150$1,169Supplies and Materials-$115$314Equipment $0$0Fixed Charges, Rent$60$0Administrative Expenses$17,531$0 Total Expenditures  $137,367 $108,580  Net Revenue $3,080 $(101,402)  Balance Carried Forward (End of FY) $19,114 $16,034  REVENUE and EXPENDITURES Special Fund Money Transmitters Fiscal Years Ending June 30 REVENUEFY 2008FY 2007 Non Depository Examinations$13,901$9,721Non Depository Investigation & Licensing Fees$334,000$25,000Miscellaneous Income/Other$0$25,000 Total Revenue  $347,901 $59,721 EXPENDITURESFY 2008FY 2007 Salaries and Benefits$117,763$129,925Technical and Special Fees$0$0Communication$227$607Travel/Training$35,025$40,057Lease Expense, Parking Facilities $1,536$1,584Contractual Services$3,177$0Supplies and Materials$680$79Equipment $0$0Fixed Charges, Rent$1,003$500Administrative Expenses$17,934$0 Total Expenditures  $177,345  $172,752 Net Revenue ($113,031) ($113,031)  Balance Carried Forward (End of FY)  $476,540 $305,984 REVENUE and EXPENDITURES Special Fund Mortgage Originators Fiscal Years Ending June 30 REVENUEFY 2008FY 2007 Non Depository Examinations$252,267$75,560Non Depository Investigation & Licensing Fees$2,803,367$7,023,747Interest on Fund Balance$334,270$533,953Miscellaneous Income/Other$0$40,275 Total Revenue  $3,389,904 $7,673,535EXPENDITURESFY 2008FY 2007Salaries and Benefits$3,535,374$2,822,432Technical and Special Fees$301,844$561,927Communication$8,915$34,415Travel/Training$81,012$66,822Lease Expense, Parking Facilities $25,853$20,072Contractual Services$386,030$447,194Supplies and Materials$21,676$23,578Equipment $64,974$78,752Fixed Charges, Rent$119,284$88,953Administrative Expenses$644,820$0 Total Expenditures  $5,189,782 $4,144,145 Net Revenue  ($1,799,878) $3,529,390 Balance Carried Forward (End of FY)  $3,721,807 $5,521,685 Office of Financial Regulation MANAGEMENT ORGANIZATION CHART As of December 31, 2008 Sarah Bloom Raskin Commissioner Mark A. Kaufman Deputy Commissioner Stephen Prozeralik Assistant Commissioner Enforcement and Complaints Marcia A. Ryan Assistant Commissioner Depository Corporate Activities Teresa M. Louro Assistant Commissioner Depository Supervision Joseph E. Rooney Assistant Commissioner Administration and Credit Union Supervision Anne Ecker Director Non-Depository Licensing Michael J. Jackson Director Regulatory Policy George Kinsel Director Non-Depository Compliance BOARDS As of June 30, 2008 Maryland Banking Board The Maryland Banking Board is a nine-member advisory group, consisting of the State Comptroller and eight members appointed by the Governor. The eight appointed positions include: three banking industry representatives, an economist, a certified public accountant, a consumer representative, and two public members. The function of the Board is to provide impartial advice, as needed, on certain bank applications submitted to the Commissioner, and on other general matters concerning the business of banking in this State. The Board meets at the request of the Commissioner. Board Members Hon. Peter Franchot State Comptroller Kamran A. Khan Economist Arun K. Deva Certified Public Accountant Vacant Banking Representative John R. Lane Banking Representative Vacant Banking Representative Susan Demyan Public Member Vacant Public Member Helen Won Consumer Representative Maryland Collection Agency Licensing Board The Maryland Collection Agency Licensing Board has statutory responsibility for the licensing of collection agencies operating in Maryland. The Governor, with the consent of the Senate, appoints the four-member board, consisting of two consumer representatives and two industry representatives. The Commissioner serves as Chairman. The Board addresses written complaints, conducts hearings on alleged violations, mediates disputes, and issues orders requiring licensees to correct violations. The Board informs both licensees and the public about abusive debt collection practices. Board MembersSarah Bloom Raskin ChairmanStephen Hannan Consumer MemberEileen Brandenberg Consumer MemberSusan Hayes Industry MemberJoanne Grant Industry Member Office of the Commissioner of Financial Regulation Commissioners As of December 31, 2008  From To Sarah Bloom Raskin 2007PresentCharles W. Turnbaugh 20032007Mary Louise Preis 19992003H. Robert Hergenroeder  19961999Margie H. Muller 19831996Joseph R. Crouse 19801983W. H. Holden Gibbs 19781980William L. Wilson 19711978William A. Graham 19671971Herbert R. O'Conor, Jr. 19631967W. R. Milford 19601963William F. Hilgenberg 19591959William H. Kirkwood, Jr. 19511959Joseph P. Healy 19501951J. Millard Tawes 19471950John W. Downing 19391947Warren F. Sterling 19351939John J. Ghingher 19331935George W. Page 19191933J. Dukes Downs 19101919  In 1996, the Bank Commissioners Office was merged by statute with the Office of Consumer Credit, resulting in the change of title from Bank Commissioner to Commissioner of Financial Regulation.     PAGE 9 PAGE 38 Commissioners Annual Report 2001 PAGE 9 Commissioners Annual Report 2008 PAGE 24 Commissioners Annual Report 2008 PAGE 26 Commissioners Annual Report 2008 PAGE 30 Commissioners Annual Report 2006 PAGE 35 Commissioners Annual Report 2008  PAGE 39 PAGE 36 Commissioners Annual Report 2008 EMBED MSGraph.Chart.8 \s $&   L ǸufVI:hFhGCJOJQJaJhFhGCJ$OJQJhFhG5CJ$OJQJaJ$hFh[KCJ$OJQJaJ$hCJ(OJQJaJ(hFhG5CJOJQJaJh,sCJOJQJaJhXCJOJQJaJhFhGCJOJQJaJh|rhGCJOJQJaJhFhGCJ$OJQJaJ$hFhGCJ(OJQJaJ(hyphGCJ(OJQJaJ(hGCJOJQJaJ& H J L h    ! 5 !$a$!$dha$!dh%$dha$$dha$dh5   8 J S Z _ b i Q R T f g پپٗreUJhG5OJQJaJhFhG5CJ OJQJaJ hFhGCJOJQJhFhGCJOJQJaJhFhGOJQJhFh>,OJQJhFhGCJOJQJaJhMCJOJQJaJhiCJOJQJaJhFh~CJOJQJaJhZbiCJOJQJaJhFhGCJOJQJaJhHCJOJQJaJh1|CJOJQJaJ5 6 7 8 j R T f g h  $ ,U0p@ P da$ /U0p@ P !d !$@ ^@ `a$ !$ ^` a$ !@ ^@ `!$a$g h ~  7 8 H I h i   4 5 7 8 H I L ɾɵサ|rih9`h9`CJhFhG6CJ h3CJh+hGCJOJQJaJhFhGCJaJ hbPCJ h $CJ hFhG hpFCJhFhGCJh+hGCJaJhFhG5CJhFhG56CJOJQJhFhG5CJOJQJhFhHA5OJQJaJ) J   ``` $ /U0hp@ P !da$$ U0$ hd`ha$$ U0hp@ $ da$gdbP$ !U0hp@ $ da$$ U0hp@ $ da$ $ /U0p@ P !da$  9 H n ko$ U0$ hd`ha$ $ /U0p@ P !da$$ U0h$ d^`a$$ U08$ d^`a$$ U08$ *d^*a$$ U0h$ da$ L M T U Y a b c e g j l m n o y ~ 6YZ[eghj㾸ﲸάᆭhFhG5CJOJQJ h57CJ hGCJ h+CJ h6JCJ h $CJhFhG6CJ hpFCJhFh=CCJ h3CJ hbPCJ h9`CJhFhGCJ h9`6CJ:(5DERSTUVnop   ĶĶ}w hnCJ hvCJh+h $CJaJhG5CJOJQJ hsCJh+h+CJaJhFhG56CJhFhG5CJOJQJhFhGCJaJhFhGCJOJQJ hpFCJ h3CJhFhGCJh+hGCJOJQJaJ,UVop Da$ $hd`ha$ $ /U0p@ P !da$$$ /U0p@ P !hd`ha$$ U0$ hd`ha$?@AC\]^_`al   &'(Ǹ줞줞쑪줞}tkhFhcl CJhFhcl CJ hyphcl CJ hXo5CJOJQJh+hGCJOJQJ hs\CJ hJVCJhFhG5CJOJQJh+hGCJOJQJaJhFhG5CJ h $CJhFhACJ hpFCJ h3CJhFhGCJh+hGCJaJ*a  '/$d %d &d 'd -DM N O P Q gdcl $ /U0p@ P !da$$ $hd`ha$ $ $da$$ !$hd`ha$ '()Rbc[\67QRz{|}$a$gd $`a$gd$a$gdgddgd$a$gdcl  !gdcl ()bct !ix *.2<Z\ot #&'%BPabdzֽhB*phhB*phh hMhhqh $h hT[hhrCShCJhFh56CJOJQJh56CJOJQJhFhCJ aJ hFhhw hcl CJaJ6tv!.5B[lt|QRVz{(y{|} !&/0=\]`cqu 12꼵ꪮꪮꮪѮѮѪhbTh\ hLh hhq hh\ h*OJQJhFh^5>*OJQJhFh^5OJQJh^ hFh^h\hFh^5CJhyph^5CJhFh^5CJhFh^B*phh^5B*phhFh^5B*phhFh^CJhFh^56hFh^56CJhFh^CJ#********+RMMgd^Kkd3 $$IfTl0!4 laT $$Ifa$gd $IfgdKkd $$IfTl0!4 laT+ +!+b+++++$d$Ifa$gdd$Ifgd $`a$gd^$ ^` a$gd^dgd^C+D+G+H+I+N+P+R+S+W+X+Z+\+`+b++++++++++++++++++++++++++++++++,,,ĸĒćĩĒĒzĸĒĒhFh^B*CJphhFh^B*phh^B*CJphh@)h^B*CJphhFh^5B*CJphh^5B*CJphhFh^B*CJphhq5>*OJQJh^5>*OJQJhFh^5>*OJQJh\5>*OJQJ0++++++]Q>>/$d$Ifa$gd$d$If^a$gd d$Ifgdkd $$IfT@\ `#> (4 ap(T+++++,]QBBB$d$Ifa$gd d$Ifgdkd$$IfT@\ `#> (4 ap(T,,,0,2,4,6,<,>,@,B,C,a,b,c,d,f,h,o,q,r,t,v,w,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,--ֽֽֽֽֽ嬞hFh^5OJQJhFh^5CJOJQJ hFh^h^B*CJphh@)h^B*CJphh^5B*CJphhFh^5B*CJphhFh^B*CJphhFh^B*CJph9,,0,6,<,B,]QBBB$d$Ifa$gd d$Ifgdkdz$$IfT@\ `#> (4 ap(TB,C,a,h,o,v,]QBBB$d$Ifa$gd d$Ifgdkdg$$IfT@\ `#> (4 ap(Tv,w,,,,,]QBBB$d$Ifa$gd d$IfgdkdT$$IfT@\ `#> (4 ap(T,,,,,,]QBBB$d$Ifa$gd d$IfgdkdA$$IfT@\ `#> (4 ap(T,,,,,,]QBBB$d$Ifa$gd d$Ifgdkd.$$IfT@\ `#> (4 ap(T,,,,,,,,-]TTTTTTL$a$gd^  !gd^kd$$IfT@\ `#> (4 ap(T--9-H-I------------------------.... . . ......... .!.$.'.(.).,.-.0.5.6.7.:.;.>.A.B.C.D.E.F.G.J.N.Q.R.U.V.W.[.]._.`.c. h^CJhFh^CJhFh^5OJQJhNdh^6CJOJQJaJ hFh^hFh^6OJQJL-9-H-I-----..V.W.o  H#$d N gd^  :#$d N gd^  $d N gd^  H$d N gd^$  a$gd^gd^$a$gd^dgd^ c.d.g.j.k.l.n.p.s.t.u.v.w.x.{.|.......................// /B/^/_/z/㲤}phFh^B*CJphhFh^B*phhFh^5B*phhFh^5B*CJphhFh^6CJOJQJhFh^CJOJQJh^5CJOJQJhB5CJOJQJhyph^5CJOJQJhFh^5CJOJQJ h^CJhFh^CJ,W.......// / /'/5/B/^/ $$Ifa$gd $Ifgd$ !p @ p^p`a$gd^$ !p @ p^p`a$gd^  d$d N gd^^/_/y////XOCCO $$Ifa$gd $Ifgdkd$$IfT\)D$  (4 ap(Tz////////////////////////////////////////00000 0 000'0*0+0.0007080A0B0D0E0H0K0M0N0O0P0S0T0W0X0農h^5B*CJphhFh^5B*CJphh^5B*CJphhFh^5B*CJphhFh^B*CJphh^B*CJphE//////XOCCC $$Ifa$gd $Ifgdkd$$IfT@\)D$ (4 ap(T//////XOCCC $$Ifa$gd $Ifgdkd$$IfT@\)D$ (4 ap(T//////XOCCC $$Ifa$gd $Ifgdkd$$IfT@\)D$ (4 ap(T//////XOCCC $$Ifa$gd $Ifgdkd"$$IfT@\)D$ (4 ap(T/00000XOCCC $$Ifa$gd $Ifgdkd%$$IfT@\)D$ (4 ap(T00000 0XOCCC $$Ifa$gd $Ifgdkd($$IfT@\)D$ (4 ap(T 0 0&0/080X0XOCCO $$Ifa$gd $Ifgdkd+$$IfT@\)D$ (4 ap(TX0Y0Z0[0\0{00XOOOB6 $$Ifa$gd $If]gd  !gd^kd.$$IfT@\)D$ (&&&&4 ap(&&&&TX0Y0\000000000001 1 1"1$1-13191B1C1D1i1k1u1w1~111111111111111111122 22222222,2ķh^5B*CJphhFh^5B*CJphh^B*CJphhFh^B*CJphhFh^B*phhFh^5B*phhFh^5B*CJph hFh^hFh^B*CJph90000000D7 $If]gdkd1$$IfTr?$] 4 apT $$Ifa$gd000 1 1#1:- $If]gdkdB$$IfT@r?$] 4 ap2T $$Ifa$gd#1.11181C1D1:kdY $$IfT@r?$] 4 ap2T $$Ifa$gdD1j1v1111 $$Ifa$gd $If]gd111111F9--- $$Ifa$gd $If]gdkdp!$$IfT@r?$] 4 ap2T111112:- $If]gdkd"$$IfT@r?$] 4 ap2T $$Ifa$gd2 22222:- $If]gdkd#$$IfT@r?$] 4 ap2T $$Ifa$gd22222=2:- $If]gdkd$$$IfT@r?$] 4 ap2T $$Ifa$gd,2-2>2H2J2U2V2Z2]2^2e2g2r2s2t2x2{22222222222222222233@3O3ǴǴǥ奛}mhNdh^6CJOJQJaJhh^5OJQJh^ hyph^ hFh^hFh^5CJhFh^5B*CJph$hFh^5B*CJOJQJph!hFh^B*CJOJQJphhFh^B*CJphhFh^5B*CJphh^5B*CJph%=2I2V2f2s2 $Ifgd $$Ifa$gds2t2u2v2:**$$If]a$gdkd%$$IfT@r?$] 2&&&&&4 ap2&&&&&Tv2w2x2y2z2{2|2}2~2WG$$If]a$gdkd&$$IfT@\?$] 4 apT $$Ifa$gd~222222222WJJJJ $If]gdkd'$$IfT@\?$] 4 apT $$Ifa$gd2222222@kd($$IfT\?$]  (&&&&4 ap(&&&&T $$Ifa$gd $$Ifa$gd2223@3O3P3u3333 $$Ifa$gd $Ifgd$ !h @ a$gd^$a$gd^dgd^  x8"$Hd7]H`gd^ O3P3u33333333333333333333344 4(4)4-4/4I4M4W4X4b4c4g4i4444444444444444455ѕэээээээээээээээээээээh^B*phhBh^B*CJaJphh' h^5B*phh<)hhBB*CJaJph h<)hhB5B*CJaJphhFh^B*phh^5B*phhFh^5B*phhFh^CJOJQJ7333333www $$Ifa$gd $Ifgdrkd)$$If\P$ T   b%Z4 a333333www $$Ifa$gd $Ifgdrkd*$$If\P$Tb%Z4 a333333www $$Ifa$gd $Ifgdrkd+$$If\P$Tb%Z4 a333333www $$Ifa$gd $Ifgdrkd+$$If\P$Tb%Z4 a334 4)4.4www $$Ifa$gd $IfgdrkdN,$$If\P$Tb%Z4 a.4/4M4X4c4h4www $$Ifa$gd $Ifgdrkd,$$If\P$Tb%Z4 ah4i44444www $$Ifa$gd $Ifgdrkd~-$$If\P$Tb%Z4 a444445www $$Ifa$gd $Ifgdrkd.$$If\P$Tb%Z4 a55"5+53595www $$Ifa$gd $Ifgdrkd.$$If\P$Tb%Z4 a55"5*5+5253585?5K5L5M55555555555555555555666+62636:6;6B6D6X6|66666666666666666캯ǕǕǕh~h^5B*phhBh^5B*phh<h^B*phh<h^5B*phh^5B*phhFh^5B*phh<h^56B*phhFh^B*phh^B*ph:95:5;5<5=5>5www $$Ifa$gd $IfgdrkdF/$$If\P$Tb%Z4 a>5?55555www $$Ifa$gd $Ifgdrkd/$$If\P$Tb%Z4 a555555 $$Ifa$gdrkdv0$$If\P$Tb%Z4 a555555www $$Ifa$gd $Ifgdrkd1$$If\P$Tb%Z4 a555555 $$Ifa$gdrkd1$$If\P$Tb%Z4 a555556www $$Ifa$gd $Ifgdrkd>2$$If\P$Tb%Z4 a66+636;6C6www $$Ifa$gd $Ifgdrkd2$$If\P$Tb%Z4 aC6D6|6666www $$Ifa$gd $Ifgdrkdn3$$If\P$Tb%Z4 a666666www $$Ifa$gd $Ifgdrkd4$$If\P$Tb%Z4 a666666www $$Ifa$gd $Ifgdrkd4$$If\P$Tb%Z4 a66 777 7www $$Ifa$gd $Ifgdrkd65$$Ifz\P$Tb%Z4 a66 777777 7&7)7*7F7I7S7W7^7_7b7d7t77777777777777788 8 88848_8d888888889!9"9N9P9ßhPh^B*phh^B*phhBhB5B*phhB5B*phh 2\h^5B*phhBh^5B*phh~h^5B*phh^5B*phh<h^5B*phhFh^B*ph7 7!7&7'7(7)7www $$Ifa$gd $Ifgdrkd5$$If\P$Tb%Z4 a)7*7I7T7_7d7www $$Ifa$gd $Ifgdrkdf6$$If\P$Tb%Z4 ad7e7f7g7h7i7www $$Ifa$gd $Ifgdrkd6$$If\P$Tb%Z4 ai7j7k7l7m7n7www $$Ifa$gd $Ifgdrkd7$$If\P$Tb%Z4 an7o7p7q7r7s7www $$Ifa$gd $Ifgdrkd.8$$IfP\P$Tb%Z4 as7t77777www $$Ifa$gd $Ifgdrkd8$$If\P$Tb%Z4 a777777www $$Ifa$gd $Ifgdrkd^9$$If\P$ T   b%Z4 a777777www $$Ifa$gd $Ifgdrkd:$$IfZ\P$ T   b%Z4 a777777www $$Ifa$gd $Ifgdrkd:$$If\P$Tb%Z4 a778 888www $$Ifa$gd $IfgdrkdB;$$If\P$Tb%Z4 a888888 $$Ifa$gdrkd;$$IfP\P$Tb%Z4 a8848`8a8b8c86Lkd =$$If0$b%Z4 a $Ifgdrkdr<$$If\P$Tb%Z4 ac8d888888\Lkd=$$If0:%>b% 4 a $IfgdLkdv=$$If0:%>b% 4 a8889999\Lkd>$$If0:%>b% 4 a $IfgdLkdN>$$If0:%>b% 4 a99"9O9P9R9S9\O / $IfgdLkd?$$If0D%Hb%4 a $IfgdLkd&?$$If0:%>b% 4 aP9Q9W9Y9Z9999999999999999::øéykdUIU:hqh^5B*CJphh5B*CJphhFh^5B*CJph hFh^hFh^5CJOJQJhFh^6CJOJQJhFh^CJOJQJh^5OJQJhFh^5OJQJhFh^CJOJQJaJh5CJOJQJhFh^5CJOJQJhyph^5CJOJQJhFh^5B*phhFh^B*phh^B*phS9T9U9V9W9X9Y9PLkdj@$$IfP0D%Hb%4 a $Ifgd $$Ifa$gdLkd?$$If0D%Hb%4 aY9Z99999999999999~~~~~~ $$Ifa$gd$a$gd^$  x8"$Hx]H^xa$gd^Lkd@$$If0D%Hb%4 a999:::A:B:J:SJJ $IfgdkdBA$$IfT4 ֈx5=!Y'h|w'4 af4T $$Ifa$gd:A:I:J:Q:S:[:\:c:::::::::::::::::;;E;L;M;T;V;];^;d;f;r;;;;;;;;;;;;;;;;;;<<<<<<"<><F<G<O<Q<Y<Z<a<<<<<<<<<<<hFh^5B*CJphhyh^5B*CJphh^B*CJphhFh^B*CJphNJ:K:R:S:T:\:]:d:e:Vkd$B$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gde:::::::::MkdB$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gd $Ifgd:::::::::VM $IfgdkdC$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gd:::::;;;;VM $IfgdkdD$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gd;;;;;E;M;U;V;VM $IfgdkdtE$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gdV;^;e;f;;;;;;VM $IfgdkdHF$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gd;;;;;;;;;VM $IfgdkdG$$IfTֈx5=!Y'h|w'4 aT $$Ifa$gd;;;<<<<#<bYMMMMM $$Ifa$gd $IfgdkdG$$IfTֈx5=!Y'h|w'4 aT#<$<><G<P<Q<Z<b<bYMMMMM $$Ifa$gd $IfgdkdH$$IfTֈx5=!Y'h|w'4 aTb<c<<<<<<<bYMMMMM $$Ifa$gd $IfgdkdI$$IfTֈx5=!Y'h|w'4 aT<<<<<<<<bYMMMMM $$Ifa$gd $IfgdkdfJ$$IfTֈx5=!Y'h|w'4 aT<<<<<<<<bYMMMMM $$Ifa$gd $Ifgdkd4K$$IfTֈx5=!Y'h|w'4 aT<<<<====bYMMMMM $$Ifa$gd $IfgdkdL$$IfTֈx5=!Y'h|w'4 aT<<<========5=C=D=P=Q=R=S==========================ǻyyyylyyyylhFh^B*CJphhFh^B*CJphh^B*CJphhFh^5B*CJphhFh^5CJhFh^56hFh^5hFh^5OJQJhFh^CJ hFh^hFh^5CJOJQJhFh^5B*CJphh^5B*CJph*===$a$gd^kdL$$IfTֈx5=!Y'h| <w'4 ap<T====5=C=R=S=X=e=q=r=== $$Ifa$gd $$Ifa$gd#$  x8"$Hx]H^x`a$gd^gd^$a$gd^  !gd^gd^ ========bVJJJJJ $$Ifa$gd $$Ifa$gdkd9N$$IfTֈJ$9Y$hgrw$4 aT========bVJJJJJ $$Ifa$gd $$Ifa$gdkdO$$IfTֈJ$9Y$hgrw$4 aT===>>>>%>bVJJJJJ $$Ifa$gd $$Ifa$gdkdO$$IfTֈJ$9Y$hgrw$4 aT==>>>>>>$>%>&>+>V>W>\>>>>>>>>>>> ? ?4?5?\?]?^?_????????ƿvpvpvjv h$yCJ hCJhFhGCJ hFhdhGh^hGCJaJhFhG6hFhGCJ hFhGhFhGCJ hyphGCJ hcl 5CJ hFh^hFh^B*CJphhFh^B*CJphh^B*CJphhFh^5B*CJph'%>&>+>6>A>B>M>V>bVJJJJJ $$Ifa$gd $$Ifa$gdkdP$$IfTֈJ$9Y$hgrw$4 aTV>W>\>g>r>s>~>>bVJJJJJ $$Ifa$gd $$Ifa$gdkdQ$$IfTֈJ$9Y$hgrw$4 aT>>>>>>>>bVJJJJJ $$Ifa$gd $$Ifa$gdkdkR$$IfTֈJ$9Y$hgrw$4 aT>>>>>>>>bVJJJJJ $$Ifa$gd $$Ifa$gdkd?S$$IfTֈJ$9Y$hgrw$4 aT>>>>b3$ !^`a$gd}; /$d %d &d 'd -DM N O P Q gd^kdT$$IfTֈJ$9Y$hgrw$4 aT> ? ?$?4?5?\?]?^?_?AABBDDGG#I$IJ!$a$!$a$gd"wdd !,$d %d &d 'd -DM N O P Q ????@ @ @ @@4@5@d@t@u@{@@@@@@@@AA,A-AUAVAZAcAdAiAoArAsA~AAAAAAAAAAAAAĻĵĵʵʝėėʵĎĈyhFhGCJ h5CJ h(CJhOXhCJ hJCJhS*hCJ hCJhcl hCJ hCJh+ahCJ hCJhFhCJ hMCJhFh TCJhhCJ h$yCJhFhGCJ hqCJ/AAB.B0B5B@BABBBCBDBEBFBKB[B\B]BaBBBBBBBBBBBBBCCCCCC D DDDDLDл|vpj hT:CJ hCJ hiCJ hXCJ hzCJ hGCJhFh"wCJ hS*CJ h5CJ hfCJ h5uCJ hr*CJ h_1CJhcl hGCJ hT[CJ hCJhcl hcl CJhcl hD&CJ havCJhFhCJ hJCJhFhGCJ)LDMDQDgDkDlDDDDDEEE0E9E:E;EFEKEPEYEbEcEjEkEpEvEwEEEEEEEEEEE&F-F2F6FGFGLGNGkGpG}GGGGGGGGGGGGGGGGGGGGGGGGGH HHHH-H.HӾ謲ܲ heCJ h1P]CJ hCJ h_1CJ hUCJ h(CJ hf[CJ hl<CJ h CJ hr*CJ hXCJhFhY(TCJhFhGCJ hCJ hKi?CJ hn:CJ hT:CJ h(CJ haCJ5.H2H4HEHMHSHTHHHHHHHHHHHH"I#IIIIIJ?JTJZJlJsJJJJJJJJJJJJJľĸĸĸĸIJĬ{ohFhG5OJQJhOhOaJ hhGhOhhGaJhyphBi/aJhxShGCJaJ hOmCJ hxCJ hb?CJ hLCJ hl<CJ hCJ h/CJ h+%eCJ h CJ h(CJ hf[CJ hLrCJ haCJ hDlCJ)JJJJJK K K KKKPKQKsKKKKK   $gd^ 4X ]gd^ 4$ 4&dP $$ $a$$a$ $ 4a$gd`MdgdOd!$a$JJKKK K KKKKKPKQKXK\K]KcKgKrKsKKKKKKKKKKKKKżxpllh`XTh@h@h@6h@hNh6hehhh6hhe6hNhh"-G hFhjsch^h hFh;"hFh;"6 h 6hFhG5CJ hFhGhFhGCJhghX /CJhghGCJ h CJhFhGCJOJQJhFhG5OJQJh^5OJQJKKLLLL!L"LcLLLLLLLEMmM  !gd+a !  !gdBd\ 4$ $&dP &dP !$$ $a$ $ gd^  hgdz'KKLLLLLL L!L"L?LHLLLLLLLLLLLLLLLLLLLLLLĻ}w}qkqke}_}e}Y hCJ hsuCJ h CJ h {bCJ h#CJ hCeCJ h@CJ h 6CJh#h@6CJ hBd\CJhBd\hBd\CJ hG6CJ h5CJhFhG5CJhFhGCJhFhGCJhEhCJhEhGCJ hFh#hjsc hFhD hFh"-Gh@h(!LM8MM?MAMDMTMnMvMMMMMMMMMMMMM NNNNNN=N>NFNqNrNvNyNNNNNNNNN OOFOGOHOIOKONOzOOOOOOOOOP鯶韥 hxSCJh#h+a6CJ hO6CJhU"h+a6CJ hb?6CJ hEdCJhh+a6CJ hCJ h {bCJ h4FvCJ h+aCJhh+aCJ h+a6CJ>mMnMMM=N>NzNNNN O OOOyOzO{O|OOOOPPPPuPvPPP  !gd  !gdxS  !gd+aPPPPvPPPPPPPP/Q1QWQuQwQQQQQQQQQQQQQQQ¸~x~of`xZ~S h6CJ h]CJ hMhCJhFhCJhhhhCJ hta&CJhFh6CJhta&6;CJhFh>6CJ h>CJh>h>CJ h>6CJ hG6CJhFhG5CJhFhGCJhFhGCJ hCeCJhMhGCJhFhjscCJ h6CJ h6CJ hCJPPPPPPQ/Q0Q1QQQQQQQ #gd #gdMh $]gd !#^gd> !#gd> # &dP &dP$a$ !  !gdQQQQQQQQQQRRRR RR'R(R:R;RARVR_R`RrRRRRRRRRRRRR S SS!SCSHSPSaSoSwSSSSSS➘螒 hWS%6CJh>h>6CJ h>CJ hTdCJ hb?CJ h$`CJhhhh6CJhFhh6CJhFhhCJ h4 CJ hCJ hMhCJhhhCJ hhCJhhhhCJ hh6CJ h6CJ2QQRR(R:R;R`RrRsRRRRR SSQS`SaSSgd4 !$gdh #gdh $]gdh gdh $gdh gdMh $gdSSSSTTDTTTUTTTTTTTTTT{UUUU=Vgd'D !&dPgdoZ$a$gdoZgdoZgd4 gdWS% gd>SSSTTTTUT^TiTjTkTTTTTTTTTTTTTTTTTTTTTUUUƿ}}sokd]dX h'D6 h(6; h'D6;h[hoZhFhoZ6CJ hoZ5CJhFhoZ5CJhFhoZCJhsh CJhFhoZCJ hFh_ch>h>CJ hTdCJ h>;CJhWS%6;CJh>6;CJh>h>6;CJ hWS%CJhz'h>6CJ hb?CJ h>CJ"UU UUUUUU*U+U1U3U4UUUUUUUUUUUUUUUUUUUUUUUUUUVVVVVVVVVVVƿ{{h8<h5hUhMhhTdh)}h| hohUhLrhohWS% hMhhMh h5hMh h5hWS% h5hLr hLrhU hU6 h(6; hWS%6; hoh'D hMhh'D h5h'Dh'D hLrh'D0V'V(VX?XXXXXXXYYYYgd5gd ngdx"XXXXXXXYYYYY#Y&Y'Y)Y9YDYGYRYdYeYfY}YYYYYYYYYYYƽvoe_VeVhFh&CJ hGCJhFh&6CJ hQ]6CJhPhGCJ aJ hFhG6CJ hx$5CJhFhG5CJhFhGCJhMhCeCJhMh*CJ aJ hG5>*CJ hx$5CJhFhG5CJhFhGCJhMhCeCJhMh9ECJhMh=EUCJhMhGCJhMh/cCJhz'CJaJh#CJaJhGCJaJ hT5CJhFhG5CJ h5CJ h#5CJ hlm5CJ hx$5CJhFhhFhG5CJOJQJhFhG5CJOJQJ hFhG h9h9E h9hGhFhG5hFh%5CJhFhG5OJQJhLA5OJQJhMhG5OJQJhMhGCJaJhMh{|VaJhMhGaJhFhG5CJOJQJaJhFh]`B5CJ hG5CJ hK5CJ hT5CJ h/c5CJhFhG5CJ]]]]]]]] ^D^E^q^^^!_Q_~___$  . dha$gdd$  . dha$gdd $dha$gdd$&dPa$gdd$a$gdd$a$gdddgdN($a$gdN(2^<^=^D^E^X^Z^[^\^^^a^b^c^d^q^y^^^^^^^^^^^^^^^^^^^^_ ____!_8_:_A_B_ſſѿѬшшѿшшѿѬxh6$CJOJQJ h6$CJ henCJhDCJOJQJh%CJOJQJhenCJOJQJhFhGCJOJQJ h94NCJ hDCJ h5ZCJ h%CJhFhGCJhFhGCJhFh9E5CJOJQJhFhG5CJOJQJ,B_C_Q_j_u_}_~_________________` ` ``,`/`<`=`K`N`Q`n`p`q`s`|`~`龴ժվ顛wqke hjCJ h CJ h6FCJhFh!,!CJ henCJhFhOCJ hc8wCJ hQCJ hZCJhFhGCJh94NCJOJQJhQCJOJQJhFhOCJOJQJhxCJOJQJhDCJOJQJhenCJOJQJhFhGCJOJQJh!soCJOJQJ'_`a``` a>apaaabKbbbbaHaYa]a`aaabapaaaaaaaǽ޳ǽѽޤ}q}dz޽kbhFhC&CJ hQCJhZCJOJQJaJhFh`CJOJQJaJhc8wCJOJQJaJhQCJOJQJaJhFhGCJOJQJaJhZCJOJQJhc8wCJOJQJhQCJOJQJhFh!,!CJOJQJhFhGCJOJQJhFhGCJ hc8wCJ hZCJ&aaaaaaaaabbbbb4b;bf?fMfofqfxfyfzffffffffffffffffffffffgggg4g6g7g9gBgIgXg|g~ggggggggggն춟춟̙ h.MCJhjCJOJQJhFhjCJOJQJh%SCJOJQJ hR CJ hSiCJhFhSiCJhFhSiCJOJQJhZCJOJQJhSiCJOJQJhR CJOJQJ9gggghh h h9h;hBhChDhRhdhphwhxhhhhhhhhhhhiiiii!i,i.i/i1i8i:iAiQiVikiriiii˷鮨錂hV6CJOJQJhGCJOJQJ hR CJ hjCJ h%SCJ hSiCJhFhSiCJhxCJOJQJhDCJOJQJhR CJOJQJhSiCJOJQJhJCJOJQJhFhSiCJOJQJh.MCJOJQJ/Rhxhhh!iQiiiiiiiiii|dgdF$ !$Vdh]Va$gdd$ !dha$gdd$ ! dha$gd$  . dha$gdSi$  . dha$gdSi$  . H Jdh]H^ `Ja$gdSiiiiiiiiiiiiiiiiiiiii jj j!j"j#jϦϊzocZNFhFh>V5hFhG5OJQJhLA5OJQJhMhG5OJQJhMhGCJaJhMhGaJ hFhGhFhG5CJOJQJhYh5S5CJOJQJhYh9E5CJOJQJhYhGCJOJQJhYhG5CJOJQJhR 5CJOJQJhYhO5CJOJQJhFhGOJQJhFhBCJOJQJi jj"j#j]jjjj#knkkp$ :4.dha$gdX]p$ 4. dha$gdX]p$ 4.dha$gdX]p$ 4. dha$gdX]p $dha$gdd$&dP]a$gdd$a$gdd$a$gdd$a$gdFdgdF #jDjEj\j]jwjxjjjjjjjjjjjjjkk k#kPkQkWknkkkkk}uiZiNZuZiNZhLACJOJQJaJhoshX]pCJOJQJaJhX]pCJOJQJaJhLACJaJhFCJaJhX]pCJaJhoshX]pCJaJhFhGCJhoshIw5CJOJQJaJhoshG5CJOJQJaJhFhG5CJOJQJhFhIw5CJOJQJhFhG5CJOJQJ hFhG h9hIw h9hGkkkkl l'lelglmllllmmmmm m!mEmFmGmMmWmYm[mkmʾʯ~gS~&hLA5CJOJQJfHq ,h9hG5CJOJQJfHq h9hGCJOJQJhF5CJOJQJh9hG5CJOJQJhFhGOJQJhFhGCJOJQJaJhFCJOJQJaJhFhX]pCJOJQJaJhoshX]pCJOJQJaJhLACJOJQJaJhX]pCJOJQJaJkk=lllm mZmpmmmmmmmgd:dgd$ !$Vdh]Va$gd@1R$ dha$gdd$ 4.dha$gdX]p$ &.dha$gdX]p$ 4.dha$gdX]p$ .dha$gdX]pkmlmompmmmmmmmmmmmmmmmmmmmmnn漳{rfb[WSWOKG[hDdhth}hNh% hFhhhFh&5OJQJh5OJQJhLA5OJQJhMh5OJQJhMhCJaJhMhaJ *h:h: *hssaJhYhssaJhFhG5CJOJQJh9hk%5CJOJQJh9hG5CJOJQJhLA5CJOJQJh9hW5CJOJQJmmmmn4n5nnn o_oooozgdnX$ r. dha$gdnX$ . dha$gdN$  dha$gdN$ . dha$gdN $dha$gd$&dP]a$gd$a$gd$a$gd nnn"n#n+n3n4n5n\nfnnnnnnn o3oAoJoKoLoVoWo]o^oooo񼱦umbZRhKCJaJh}CJaJhth&CJaJhCJaJhthNCJaJhNCJaJhx!CJaJhthx!CJaJhthnXCJaJhthCJaJhthKCJaJhFhCJht5CJOJQJhDd5CJOJQJh}5CJOJQJhN5CJOJQJhFh5CJOJQJoooooooooo p ppp.p/pqDqվ{{{{q{q{q{q{`Rhc@:CJOJQJmHsH hc@:hc@:CJOJQJmHsHh#zlCJOJQJh.CJOJQJh)\CJOJQJhFh)\CJOJQJhG5CJOJQJ,hFhG5CJOJQJfHq ,hhG5CJOJQJfHq ,hhG5CJOJQJfHq &ho5CJOJQJfHq DqKqLqlqpqwqqqqqqqqqqqqqqrr$r%r&r(r/r0rUrVrXr_r`rkrrrrrrrrrr sss1s6sʯԉʉʉuʉʉʉԉh6{CJOJQJhc@:CJOJQJhjvCJOJQJh.CJOJQJmH sH hc@:CJOJQJmH sH hc@:hc@:CJOJQJmH sH h.CJOJQJh)\CJOJQJhFh)\CJOJQJ hc@:hc@:CJOJQJmHsHh.CJOJQJmHsH.Lqxqqq0r`rrrsPs~sss ttrt $ 4a$gd$ !-DM a$gdpO !"dhgd)\ "dhgd)\ "dh-DM gd)\6sDsHsOspsts}sssssssssssss t t/t0t4t7t8t;ttrt~tttttt˾wihFhG5CJOJQJhhG5CJOJQJho5CJOJQJhhG5CJOJQJhMhG5CJOJQJ hMhG hhhGhFhc@:CJOJQJh'oCJOJQJhc@:CJOJQJhjvCJOJQJh)\CJOJQJhFh)\CJOJQJ$rttttt2uouuuv,vZvvv wMwwwwx$ "dha$gd|O "dhgd|O "dh-DM gd|O " 4"&dPgdxtttttttttttttuu&u*u1u2uouuuuuuuuuuuuuuvv v$v+vOvSvYvvvvvvvv享xh)CJaJh|OCJaJhgh|OCJaJh'CJOJQJaJh|OCJOJQJaJhgh|OCJOJQJaJh)CJOJQJaJh'CJOJQJh)CJOJQJh|OCJOJQJhFh|OCJOJQJhFhG5CJOJQJ/vvvvw w,w2w3wAwEwLwwwwwwwwwwwxxxExFxGxIxPxxx|xxxxxxxyyyyyy1y7y8yJy[y_yeyfyoyyyyyyyyyyٵ٦hghjCJOJQJaJhZ CJOJQJaJh6{CJOJQJaJh|OCJOJQJaJhgh|OCJOJQJaJhC@CJOJQJaJh)CJOJQJaJ=xQxxxx8yfyyyzUzzzz.{p{{{|A|v|||}D}z}}} "dhgd|Oyy zzzIzJzKzMzTzUzWzXzgznzozpzqztzzz{zzzzzzzzzz"{&{-{P{i{o{{{{{{{{{{{{{{{{{{{{ʾʾʾʾʲʾ٦嗋hZ CJOJQJaJhghjCJOJQJaJhDYCJOJQJaJh6{CJOJQJaJhC@CJOJQJaJhghC@CJOJQJaJh|OCJOJQJaJhgh|OCJOJQJaJh~CJOJQJaJ6{{{| |||A|d|n|u||||||||}}}}}}D}U}a}o}s}y}}}}}}}}}}}}}~~~~>~J~ööööìööööìÕìxhMhG5CJOJQJ hMhGhZQhEdhFh~CJOJQJhQSCJOJQJh|OCJOJQJhFh|OCJOJQJh~CJOJQJhgh|OCJOJQJaJhjCJOJQJaJh|OCJOJQJaJh~CJOJQJaJ/}~~>~m~n~~~0b(R "dhgdby 4&dPgdx $ 4a$ "dh-DM gdEd "dh-DM gd|OJ~^~k~l~n~~~~~~~~~~~~~~&/0Zabpq'(ȾȴȴȪ~~phQSCJOJQJmH sH hC@CJOJQJmH sH hQShC@CJOJQJmH sH hFhQSCJOJQJhQSCJOJQJh~CJOJQJhbyCJOJQJhFhbyCJOJQJhFhG5CJOJQJhFhG5CJOJQJhFhG5CJOJQJ*(R|ـ*12r܁݁ށ<Q[їۗїїррїїїїїїvvhVCJOJQJhFhbyCJOJQJhZ CJOJQJhbyCJOJQJhQ?CJOJQJmHsH hQShQSCJOJQJmHsH hQShbyCJOJQJmHsHhQ?CJOJQJhQSCJOJQJhQShQSCJOJQJhQ?CJOJQJmH sH .ـ2r<g !dh "dhgdby !"dhgdby[_fgilǂւׂ؂ypypf\UIhFht6CJaJ hFhthFht5CJ hFht5CJhFhtCJ htCJhFhGCJ h:hGCJ hFh-n5CJOJQJh-n5CJOJQJhFhCJOJQJh{|VCJOJQJhFhbyCJOJQJhbyCJOJQJhf-CJOJQJhjCJOJQJhQ?CJOJQJhVCJOJQJǂׂ؂efbcuv$a$gdIdgdugdtgdtgdtgdt,$d %d &d 'd -DM N O P Q fDž˅ׅ̅҅ۅޅ߅TVbcvwxÍӹӳte[hId56>*aJhZhId56>*CJaJhId56>*CJaJht56>*CJaJhFht5CJOJQJhypht5CJOJQJht5CJOJQJ htaJhuhIdCJaJ huaJhVMhIdaJ hIdaJhFhtaJhuhuCJaJht6CJaJhK6CJaJ vwxÍ UVcdegh!$a$gdZ$a$gd5$a$gdId$a$gdt$a$gdtÍ*.36 QʖUVcdefghĽתתפvm_QhFhK}5CJOJQJhFhK}5CJOJQJhuhGaJhFhGCJ hyphGCJ hFhq)CJhFhGCJhZ hZaJ htCJhIdhFhIdCJOJQJ^J hFhIdhFhId56>*hIdCJaJ hIdaJhFhIdaJhFhId56aJhFhId56>*aJhƘǘȘXYѝҝ!$a$gdFC$a$gdFC$a$gdK}!$a$gdK}!gdK}!$a$gdK}d,$d %d &d 'd -DM N O P Q ƘȘטYÚϚ;Bœҝ5Abjqr-.2A:Mwܡݡ!ؿصؕؕؕ؉ؕؿؕؕؕ}}}}htB*CJaJphhKB*CJaJphh`pB*CJaJphh`pB*aJphhB*aJphhK}B*aJphhRhK}B*aJphhK}B*CJaJphhRhK}B*CJaJphhFhK}CJhFhK}56CJOJQJ1#$%&'CDN^_ $ !a$gd$gd$dgd$/$d %d &d 'd -DM N O P Q gd$$a$gd$a$gdFC!$a$gd!$a$gdFC!*4Jbc X^ϤФv̥ϥ"#$%'BCDMT^_ƻ~x~ h^3CJhFh$CJ hFh$hFh$CJ hyph$CJ hgRCJ h$CJ hthhKCJaJhhK}CJaJ hCJhKB*CJaJphh`pB*CJaJphhtB*CJaJphhRhK}B*CJaJph._iktuvwԩթ9:<ԫ٫$%DEìˬ 45ƭͭ ()S\Ӯ֮ܮ߮ƺƺƺƺƺƺƺƢƴƴ hfLaJ h@i&aJ h)aJ hKaJ hMaJ hY+aJ h^3aJh^3h^3aJ hFh$h$56CJOJQJhFh$56CJOJQJh^356CJOJQJ=_tuvw/0;< tu4Rgd$a$gd$$a$gd^3$a$gd$$a$gd^3 <XYsuCD34?@PQRTUnost˿xpe]hfLCJaJhXhCJaJhFh5h5CJaJhFdh5CJaJhFh5CJhTh5CJhvhCJaJh-CJaJh9hCJaJh9h5CJaJhyphCJaJhMCJaJ hFh$ hfLaJ hMaJh^3h^3aJ hJaJ!RSTUcs $$Ifa$gd $Ifgd U0d0$Ifgd U0d0gdstT> $ !U0d0$If`a$gd U0d0$IfgdkdT$$IfTlTF : UQ Q  &&&0    4 lap&&&T±űɱ̱ͱα %'+./0GIJOPRSTiklqrtuv²DzҲزٲڲ۲ܲhXh5CJ aJ h5CJ aJ hfLCJaJ hFhhXhCJaJhCJaJh-CJaJH[E($ U0d0$If`a$gd U0d0$IfgdkdU$$IfTlF : UQ Q 0    4 laT U0%Ld0$If^%`LgdƱ_G*$ U0d0$If`a$gd !U0d0$IfgdkdV$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgdƱͱα_I,$ U0d0$If`a$gd U0d0$IfgdkdbW$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgd _I,$ U0d0$If`a$gd U0d0$Ifgdkd X$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgd  (_I,$ U0d0$If`a$gd U0d0$IfgdkdX$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgd(/0BK_I,$ U0d0$If`a$gd U0d0$IfgdkdZY$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgdKSTdm_I,$ U0d0$If`a$gd U0d0$IfgdkdZ$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgdmuv_I,$ U0d0$If`a$gd U0d0$IfgdkdZ$$IfTlF : UQ Q 0    4 laT U0qd0$If`qgdȲٲ]G.G$ U0d0$Ifa$gd U0d0$Ifgdkd|[$$IfTlF : UQ Q 0    4 laT U0@qd0$If`qgdfLٲڲܲyccccccc U0d0$Ifgdkd2\$$IfTlF : UQ Q 0    4 laTܲ <=YZijovyz~Ǽ~w~~kd_XTdhfL hfLhfL hfL5 hFhfLhjh O5CJaJ hfLh O h O5hFh O5CJhFh O5hFh OCJhFh O5OJQJ hFh O h>ifh Oh-h+xlhCJaJh-hCJhFh5h-5CJaJh5CJaJh5CJaJhXh5CJaJ  =YTOB==5$a$gd Ogd O &dPgdgdkd\$$IfTlF : UQ Q  &&&0    4 lap&&&TYZijov{$$If^`a$gdm $$Ifa$gdm  !$Ifgdm$a$gd ONE9999 $$Ifa$gd $Ifgdkd]$$IfTlr #3*80$4 laTųɳͳгѳԳٳ$'(,/03QUY\]`bkpδմ۱ hfL5aJhjhfL5aJh-hfL5CJaJhFhfL5hFhfL5CJh#hfL5hFhfLCJ hfLhfL hfL5hFhfLCJhjhfL5CJaJ hFhfLhfL:ųɳͳѳճNE9999 $$Ifa$gd $Ifgdkd^$$IfTlr #3*80$4 laTճֳNE9999 $$Ifa$gd $Ifgdkd_$$IfTlr #3*80$4 laT$(,04NE9999 $$Ifa$gd $Ifgdkd`$$IfTlr #3*80$4 laT45QUY]aNE9999 $$Ifa$gd $Ifgdkda$$IfTlr #3*80$4 laTabNE9999 $$Ifa$gd $Ifgdkdb$$IfTlr #3*80$4 laTN@444 $$Ifa$gdm  !$Ifgdmkdsc$$IfTlr #3*80$4 laTB99 $Ifgdmkd]d$$IfTlWr #3*80$4 laT $$Ifa$gdm $$Ifa$gdm  ƽypd\hx$OJQJhFhx$5OJQJhx$5OJQJhY+5OJQJh:5OJQJhX5OJQJhFh:5OJQJhFh:CJhyph:CJ hk2hhfhk2h OCJ hk2h OhFh OCJ aJ hFh OhFhfLCJ hfL5hFhfL5hFhfL5CJkdGe$$IfTlr #3*8 2&&&&&0$4 lap2&&&&&T $$Ifa$gdm $Ifgdm kdf$$IfTlr #3*8 2&&&&&0$4 lap2&&&&&T  '$ v%vv]^v`va$gdx$$a$gdx$$a$gd:$a$gd:gd:$a$gd !^`gd O !|^`|gd OƶǶȶζ϶ֶ׶ !,q¸ʸӸ,4@Źѹҹŷ hopCJ hh}cCJ hhGCJ h-h -5CJOJQJaJh:CJaJjh:UmHnHu hx$hx$hx$ h:CJ hx$CJ h:CJhW#Ohx$OJQJhx$OJQJhFhx$OJQJ2ҹ3|$`a$d,$d %d &d 'd -DM N O P Q  T #)7$8$H$]gd=gdx$gd: $ !a$gd:'$ v%vv]^v`va$gd: ҹ6>BCGH569eiü޲囕匆zt h,RCJ h7LVCJ h{64CJ hCJhFh0CJ hfLCJ hfCJ h7\CJhFhGOJQJhFhG5CJ hFhophGhhop hFh"h"h6h hFhGhFhGCJhFhGCJ h=_hGCJ -345CD  $$Ifa$gd $Ifgdgd$a$gd $^`a$$a$$`a$d$a$ $%-`gqvw |oc\ hFhhejDhejD5OJQJh5CJOJQJaJh&bh5CJOJQJaJhh5CJOJQJaJh&bh5CJOJQJaJh=_h5CJOJQJaJh hFhGhFh?p.CJ hfLCJ htCJhFhGCJ h{64CJ h,RCJhFh0CJ h}cCJ$%'(@IJTUV| 1679:;<ɿɿɲɿɿɲɿɿɲɿɿɿɲɿɿɲɿɿɲ h(bhsr5B*CJaJphhFhsr5B*CJph h(hsr5B*CJaJphhFhsrB*CJphhsrB*CJphhFhsrB*CJphhFh5B*CJphh-5B*CJphhFh5B*CJph0'(?JUjaUI $$Ifa$gdm $$Ifa$gd $Ifgdkd%h$$IfTrF` p &&&_6    4 ap&&&T $$Ifa$gdUV{z $$Ifa$gdm $$Ifa$gd $Ifgdckdi$$IfTrF` p_6    4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckdi$$IfTrF` p_6    4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd j$$IfTrF` p_6    4 aT zn $$Ifa$gdm $$Ifa$gd $$Ifa$gdsr $Ifgdckdj$$IfTrF` p_6    4 aT07:z $$Ifa$gdm $$Ifa$gd $Ifgdckd@k$$IfTrF` p_6    4 aT:;<JKLWXc $$Ifa$gd $Ifgdckdk$$IfTrF` p_6    4 aT<JKLMVWXbdƵzk\\OEOEOhsrB*CJphhFhsrB*CJphhFhsr5B*CJphhFhsr5B*CJphhsrhsrB*CJphhFhsr5B*CJphhsr5B*CJaJph h(hsr5B*CJaJph h(hsr5B*CJaJphhsr5B*CJphhsr5B*CJaJph h(bhsr5B*CJaJphhFhsr5B*CJphcdvmmmmaa $$Ifa$gd $Ifgdkd`l$$IfTrF` p &&&_6    4 ap&&&T $$Ifa$gd $IfgdckdIm$$IfTrF` p_6    4 aTvmaU $$Ifa$gdm $$Ifa$gd $Ifgdkdm$$IfTrF` p &&&_6    4 ap&&&T'*z $$Ifa$gdm $$Ifa$gd $Ifgdckdn$$IfTrF` p_6    4 aT &')*+:@AHIJ[bcklm&'(/013456HIJ̽ h(bhsr5B*CJaJphhsr5B*CJphhFhsr5B*CJphh(bhsrB*CJaJphhsrB*CJphhFhsrB*CJphhFhsrB*CJph;*+9AIz $$Ifa$gdm $$Ifa$gd $IfgdckdRo$$IfTrF` p_6    4 aTIJZclz $$Ifa$gdm $$Ifa$gd $Ifgdckdo$$IfTrF` p_6    4 aTlmz $$Ifa$gdm $$Ifa$gd $Ifgdckdrp$$IfTrF` p_6    4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckdq$$IfTrF` p_6    4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckdq$$IfTrF` p_6    4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd"r$$IfTrF` p_6    4 aT'z $$Ifa$gdm $$Ifa$gd $Ifgdckdr$$IfTrF` p_6    4 aT'(-014z $$Ifa$gdm $$Ifa$gd $IfgdckdBs$$IfTrF` p_6    4 aT456IJKVWbzz $$Ifa$gd $$Ifa$gd $Ifgdckds$$IfTrF` p_6    4 aTJKLUVWabcfŵznbnbnVL?hhB*CJphhB*CJphh5B*CJphhS5B*CJphh5B*CJphhR4h5OJQJaJh5CJOJQJaJh=_h5CJOJQJaJhh5CJOJQJaJhR4h5CJOJQJaJhhFhsr5B*CJphhy2hsr5CJ hsr5CJhFhsr5CJh(hsr5CJaJbcdfvtllllllcW $$Ifa$gd $Ifgd$a$gdkdbt$$IfTrFT@1 &&&    4 ap&&&T ja $IfgdkdFu$$IfTrFc s &&&#<    4 ap&&&T $$Ifa$gd*/789:>?@[]^abdqrs{|}~мммƞwfZhS5B*CJph h2 h5B*CJaJphh5B*CJphh2 h5B*CJphh5B*CJph h+h5B*CJaJphhtThB*CJphhB*CJphhB*CJphhB*CJphhSB*CJphhtThSB*CJph *h.hB*CJph/8? $$Ifa$gd $Ifgdckd!v$$IfTrFc s#<    4 aT?@[^a $$Ifa$gd $Ifgdckdv$$IfTrFc s#<    4 aTabdrs|}z $$Ifa$gd $$Ifa$gd $IfgdckdAw$$IfTrFc s#<    4 aT +,[\}~ ˿˩sg`g` h5CJh2 h5CJaJ hy2h5B*CJ aJ phh5B*CJphh2 hB*CJaJphhB*CJphhB*CJphhS5B*CJphh5B*CJphh5B*CJphh5B*CJphh5B*CJph hy2h5B*CJ aJ ph%vmmaa $$Ifa$gd $Ifgdkdw$$IfTrFc s &&&#<    4 ap&&&T $$Ifa$gd $Ifgdckdx$$IfTrFc s#<    4 aTvmaU $$Ifa$gd $$Ifa$gd $IfgdkdXy$$IfTrFc s &&&#<    4 ap&&&Tz $$Ifa$gd $$Ifa$gd $Ifgdckd3z$$IfTrFc s#<    4 aT z $$Ifa$gd $$Ifa$gd $Ifgdckdz$$IfTrFc s#<    4 aT $+z $$Ifa$gd $$Ifa$gd $IfgdckdS{$$IfTrFc s#<    4 aT+,OV[z $$Ifa$gd $$Ifa$gd $Ifgdckd{$$IfTrFc s#<    4 aT[\qv}z $$Ifa$gd $$Ifa$gd $Ifgdckds|$$IfTrFc s#<    4 aT}~z $$Ifa$gd $$Ifa$gd $Ifgdckd}$$IfTrFc s#<    4 aTz $$Ifa$gd $$Ifa$gd $Ifgdckd}$$IfTrFc s#<    4 aTz $$Ifa$gd $$Ifa$gd $Ifgdckd#~$$IfTrFc s#<    4 aTz $$Ifa$gd $$Ifa$gd $Ifgdckd~$$IfTrFc s#<    4 aT  $$Ifa$gd $IfgdckdC$$IfTrFc s#<    4 aT  +,-345?@ABChipqryz{|}~te~~^~ZVFh9h5CJOJQJaJhhG hS5CJhR4h5B*aJphhB*CJph h5CJhg hS5CJ aJ hS5CJ h5CJ h5CJh0$Fh5CJaJh0$Fh5B*CJphh5B*CJphh0$FhB*CJaJphh5CJOJQJh5B*CJphh2 h5CJaJ ,-45vVMMAAA $$Ifa$gd $Ifgd & %pP!D%%0dg]0gdkd$$IfTrFF7 &&&    4 ap&&&T5@ABChiqrzjaaUUU $$Ifa$gd $Ifgdkd$$IfTrFF7 &&&    4 ap&&&T $$Ifa$gdS z{|}~jhhh```[[gd$a$gdkd$$IfTrFF7 &&&    4 ap&&&T $$Ifa$gdS <HMUVWY]^_z|}ƺƺƮra hNhS5B*CJaJph hk]hS5B*CJaJphhSB*CJphh+hSB*CJphhuxB*CJphhSB*CJphh5B*CJphhS5B*CJphh5B*CJphhh5OJQJh9h5CJOJQJaJhh5CJOJQJaJ"aU $$Ifa$gdmkd$$IfTrFc s &&&#     4 ap&&&T $$Ifa$gd $IfgdMV^z $$Ifa$gdm $$Ifa$gd $IfgdckdZ$$IfTrFc s#     4 aT^_z}z $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTzz $$Ifa$gdm $$Ifa$gd $Ifgdckdz$$IfTrFc s#     4 aT12RSƵƩƅƅƑ{q{q{q{q{q{q{q{q{q{qbhk]hB*CJaJphhB*CJphhB*CJphh-5B*CJphhS5B*CJphhS5B*CJphhS5B*CJph h+hS5B*CJaJphhS5B*CJphhux5B*CJph huxhux5B*CJaJph hg hS5B*CJ aJ ph$vmmaa $$Ifa$gd $Ifgdkd $$IfTrFc s &&&#     4 ap&&&T $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTvmaU $$Ifa$gdm $$Ifa$gd $Ifgdkd$$IfTrFc s &&&#     4 ap&&&Tz $$Ifa$gdm $$Ifa$gd $Ifgdckdl$$IfTrFc s#     4 aT',1z $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT12BJRz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTRSv}z $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd<$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd̊$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd\$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT123<=>Gzn $$Ifa$gdS $$Ifa$gd $$Ifa$gd $Ifgdckd|$$IfTrFc s#     4 aT 123<>FGHIJUVWXabcdmnopqҿzqh\zqSJ>\hg hS5CJ aJ h5CJaJhS5CJaJh{h5CJaJh5CJaJhH5CJaJhk]h5CJaJ hdwh5B*CJaJphh5B*CJaJphhk]hB*CJaJphh5CJOJQJh5B*CJph h5CJhk]h5CJaJ hg h5B*CJ aJ ph hNh5B*CJaJphGHIJVWbcvVMMAAA $$Ifa$gd $Ifgd & %pP!D%%0dg]0gdkd $$IfTrFc7m &&&    4 ap&&&TcnopqrjJAAA $Ifgd & %pP!D%%0dg]0gdkd$$IfTrFF7 &&&    4 ap&&&T $$Ifa$gdSqr ĻĦxm]M=-h9hejD5CJOJQJaJh=_hejD5CJOJQJaJhejDhejD5CJOJQJaJh9hejD5CJOJQJaJhejD5CJOJQJhejD5CJOJQJaJhFh5CJOJQJ h5CJhM5h5CJaJhS5CJaJh{h5CJaJh5CJaJh(bh5CJaJ hg h5B*CJaJphhNh5B*aJphhg hB*CJaJph^\TTT$a$gdejDkdԎ$$IfTrFF7 &&&    4 ap&&&T $$Ifa$gdS $$Ifa$gd $%AJTkd$$IfTrFc s &&&#     4 ap&&&T $$Ifa$gd $IfgdgdejD$a$gdejD !"$%AIJQRSp|ĺĭĺĺĺĺĭwf hhS5B*CJ aJ ph hNhS5B*CJaJph hk]hS5B*CJaJphhOB*CJphhSB*CJphhhSB*CJphhOB*CJphhSB*CJphhejD5B*CJphhS5B*CJphhejD5B*CJphhejDhejD5OJQJ"JRSz $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT $$Ifa$gdmz $$Ifa$gdm $$Ifa$gd $Ifgdckd#$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT $$Ifa$gd $IfgdckdC$$IfTrFc s#     4 aT-346bc+,STopԼȓ{q{q{q{q{q{q{q{q{q{qbhk]hHB*CJaJphhHB*CJphhHB*CJphhS5B*CJaJph hhS5B*CJaJphhS5B*CJphhS5B*CJphhS5B*CJphhS5B*CJphhhS5B*CJphhO5B*CJph hhS5B*CJaJph"vmaa $$Ifa$gd $IfgdkdӒ$$IfTrFc s &&&#     4 ap&&&T%-5 $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT56LWbvmaU $$Ifa$gdm $$Ifa$gd $IfgdkdZ$$IfTrFc s &&&#     4 ap&&&Tbc~z $$Ifa$gdm $$Ifa$gd $Ifgdckd5$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckdŕ$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $IfgdckdU$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aT"+z $$Ifa$gdm $$Ifa$gd $Ifgdckdu$$IfTrFc s#     4 aT+,CKSz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTST_goz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTopz $$Ifa$gdm $$Ifa$gd $Ifgdckd%$$IfTrFc s#     4 aTz $$Ifa$gdm $$Ifa$gd $Ifgdckd$$IfTrFc s#     4 aTzz $$Ifa$gd $$Ifa$gd $IfgdckdE$$IfTrFc s#     4 aT9˿zqeYPeA2hNhejD5B*aJphh(bhejDB*CJaJphhS5CJaJhHhH5CJaJh{hejD5CJaJhH5CJaJhk]hejD5CJaJ hHhH5B*CJaJphhejD5B*CJaJphhk]hejDB*CJaJphhejD5CJOJQJhH5B*CJph hH5CJhk]hH5CJaJ hk]hH5B*CJaJph hNhH5B*CJaJphvVMMMAA $$Ifa$gd $Ifgd & %pP!D%%0dg]0gdejDkd՚$$IfTrFc7m &&&    4 ap&&&T9:;FGRjaaa $Ifgdkd$$IfTrFF7 &&&    4 ap&&&T $$Ifa$gd 9:;<EFGHQRSTUVtuŹũ|qi^V^V^N^h!CJaJh"CJaJh.hGCJaJh.CJaJh.h.CJaJh$IhY{;CJaJhejDhY{;CJaJhhejDh5CJOJQJaJ hejD5CJhS5CJaJhHhH5CJaJh{hejD5CJaJhj5CJaJhH5CJaJh(bhejD5CJaJ h(bhejD5B*CJaJphRSTVuvni:/$d %d &d 'd -DM N O P Q gdY{gd$a$gdkd$$IfTrFF7 &&&    4 ap&&&Tuxxxxxxxxx$ %D%% ] a$$ %D%%0]0a$gd v/$d %d &d 'd -DM N O P Q gdQ4/$d %d &d 'd -DM N O P Q gd. *:;Jal !)˿ԶꡙԿԆԶ~r~g^hs5OJQJhFhXOJQJhXhX5OJQJhXOJQJh}OJQJhFhsOJQJhsOJQJhFhs5OJQJhG5OJQJh!5OJQJhFhG5OJQJh"5OJQJhFhGOJQJhFh*OJQJ$:;Ja!*CDW`rs$ %D%% ] a$$ %D%% ] a$gds)*9DWsilQ^-¹xpxpxpxpxhx`xShFhGCJOJQJhr@OJQJh.OJQJh~OJQJhFhGOJQJhFhGCJOJQJhFhG>*hFhGCJhFhGCJ hsCJh=_hGCJhejDhGCJhFhGCJ aJ hFhGCJ hFhGOJQJhFhG5OJQJhsOJQJhFhsOJQJs-./CUV$^a$$a$'$a$$a$d,$d %d &d 'd -DM N O P Q $ %D%% ] a$-./4BCVdeq~  !/09:RTζΐ׈wlaYhFhG>*hFhGOJQJhFhGCJaJhFhG5aJ h% 5aJh"h"5hFhGCJOJQJhshs5CJhFhGCJOJQJaJheCJOJQJaJ hfLhs hs5hFhGCJ hFhG h5hFhG5hFhG5OJQJhFhGCJ"Vepq~ !/0:RSTdd$`a$$a$ $$Ifa$;kd$$IfTl4h$h%4 laf4T$If$`a$$a$9: 3BCEHIUdegklqrꘉꘁup hG5h?,hG5CJaJhFh/o5hFhGCJ h#B3CJhFhG5 hs5hFhGCJOJQJhFhG5CJOJQJhFhGCJOJQJhFhG5>*CJhFhGCJ OJQJh5 hFhGhFhG5CJOJQJ*8^kd?$$IfTlhF $x x x     4 laT $$Ifa$^kdޝ$$IfTlF $x x x     4 laT 3C^kd$$IfTlhF $x x x     4 laT $$Ifa$CDEFGH $$Ifa$Nkd$$IfTl4h0H$4 laf4THIUer $$Ifa$tkd`$$IfTl4\ H$x <<x 4 laf4T}} d$Ifgdagdrq$a$gd}'dgd}'gd}' 0 PdNkd$$IfTl4h0H$4 laf4T)*GHR˽vkvv`U`JJhU!hrqCJaJh$ hrqCJaJh$ hrqCJaJh"h"CJaJh"hrqCJaJhU!hrqCJaJhaha5CJOJQJaJh}'5CJOJQJh5CJOJQJhrq5CJOJQJhUJhrq5CJOJQJhUJhrqaJhh=_hrqCJh=_hrqhhejDhrqhh}'h}'CJaJh h"5=kdJ$$IfTlFNWWc  &&&0    4 lap&&&T $Ifgda $Ifgda 4kdY$$IfTlFNWWc  0    4 lapT$d$Ifa$gda d$Ifgda)*/454kdv$$IfTlFNWWc  0    4 lapT$d$Ifa$gda d$Ifgda5GHMRS4kd$$IfTlFNWWc  0    4 lapT$d$Ifa$gda d$IfgdaRSjklm*+CDEfgh!"#<=>WXYdehijĹĹĮģģ󞖑 hG5hFhrq5 hrq5h~hrqCJaJhahrqCJaJh$ hrqCJaJhrqCJaJhU!hrqCJaJ!jhU!hrq0J)CJUaJhU!hrqCJaJhU!hrq5CJaJ7SlmrwxYkd$$IfTlFNWWc 0    4 laT$d$Ifa$gda d$Ifgda thhYY$d$Ifa$gda d$Ifgdakdt$$IfTlFNWWc 0    4 laTthhYY$d$Ifa$gda d$Ifgdakd8$$IfTlFNWWc 0    4 laTthhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT thhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT*+05thhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT56DEJOthhYY$d$Ifa$gda d$IfgdakdH$$IfTlFNWWc 0    4 laTOPghmrthhYY$d$Ifa$gda d$Ifgdakd $$IfTlFNWWc 0    4 laTrsthhYY$d$Ifa$gda d$IfgdakdЪ$$IfTlFNWWc 0    4 laTthhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laTthhYY$d$Ifa$gda d$IfgdakdX$$IfTlFNWWc 0    4 laTthhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT thhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT"#(-thhYY$d$Ifa$gda d$Ifgdakd$$IfTlFNWWc 0    4 laT-.=>CHthhYY$d$Ifa$gda d$Ifgdakdh$$IfTlFNWWc 0    4 laTHIXY^cthhYY$d$Ifa$gda d$Ifgdakd,$$IfTlFNWWc 0    4 laTcdefghijklmntdbbbbbbbbb 0 Pdgdrqkd$$IfTlFNWWc 0    4 laT jmno45689;<>?ABHIJKLNOUVXYZ|}~~qh56CJOJQJh0JmHnHuh Me56CJOJQJh Meh Me0JmHnHu h Me0Jjh Me0JUh5xEjh5xEUhgChGCJaJ hhNMh hhgC hhGjhhG0J)UhFh"5 ha5,n4578:;=>@ALMNZ|} h&#$]h $hh]h`ha$&`#$ hh]h`h&`#$(`gdNM h^h`gdNM!"D $ h] `ha$hh&`#$]h`h$a$ $hh]h`ha$hh&#$]h`h&`#$ $ !#a$$h]ha$ (#h]hgd "DEFLMOPRrstuv|}{h MeCJOJQJ!hMO0JCJOJQJmHnHuh Me0JCJOJQJjh Me0JCJOJQJUhM0JmHnHuh56CJOJQJh Me0JOJQJh0JmHnHu h Me0Jjh Me0JUh Me56CJOJQJh Me0DEQRtu(`gdNMgd:$a$$a$ $$dNa$ $ h] `ha$hh&`#$]h`h&`#$ $hh]h`ha$hgChGCJaJhs2sjhPehmsCJUjمM hmsCJUVhjh MeUh5xEh MeCJOJQJh56CJOJQJh Me56CJOJQJh0JmHnHu h Me0Jjh Me0JUh Me 00&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#`$%  0 00&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#@$%  0 00&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$%  00PP&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$%  00PP&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$% P0  00PP&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$% 00P:P:&PP+p ,p -p .p /R 4 5 6 7 :ppF<0BP/ =!"J#$% 0P:P:&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$% 0PP&P+p ,p -p .p /R 4 5 6 7 :pL<0BP/ =!"#$%  00PP&P+p ,p -p .p /R 4 5 6 7 :pL<0BP/ =!"#$% P0 0P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$% 0P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$% 0P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$% 0P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$%  0+p ,p -p .p 1h/R 4 5 6 7 <0BP/ =!"#$% P0 xx 0+p ,p -p .p 1h/R 4 5 6 7 <0BP/ =!"#$% P0 xx 00P:P:&P+p ,p -p .p /R 4 5 6 7 :pK}<0BP/ =!"J#$%  00P:P:&P+p ,p -p .p /R 4 5 6 7 :p.=<0BP/ =!"J#$% P 0P:P:&P+p ,p -p .p /R 4 5 6 7 :pZ<0BP/ =!"J#$% P  00P:P:&P+p ,p -p .p /R 4 5 6 7 :p$<0BP/ =!"J#$%  00P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"J#$% P0    00P:P:&P+p ,p -p .p /R 4 5 6 7 :p -<0BP/ =!"#$% 0P:P:&P+p ,p -p .p /R 4 5 6 7 :pM<0BP/ =!"#$%  00P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$% P  00P:P:&P+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$%  00P:P:&PP+p ,p -p .p /R 4 5 6 7 <0BP/ =!"#$% `! ]_QX+l< _-xڽ lTUfZڡHH%DZ674؈bh@j;B(;P%"{t kHhQ#{3Ӆ)gm{=ޛEJψ\&BalZ{/ir-{/2xXN{il-cŶsTT:[e])*j/-)]uȱFԠZcYN=ƛQ9.]CńMqBnWױY!`_ U{M=b&r.%PYq9.q,8>W[v{ܧTd`qa ԵjL+doj&l[؋q^P _wF!QHg^\jyXvNXOPUIuiΩ>:{ ~"\c:+tWCSË^6kyęq%P=&V[Ʃy/p}EMLp׻fդ4e'c\0I)f LU$3Y`3+fL^0 4,Գf+XO\=eYf\Yf*=jo(M+ʯk:5`['A?w5|Y8p @0=ZMyʇMZ7`Vk含Zle%5WXZ$Fj2tpzijR5K^T i)0 &›6[L۷O-JmNcdw{9&=䴗sA= U!s<\\L"Ы~:' U9k[y9k_N ʩE5)6eԨZRRjWJ Ke 5-ԸZQԾ Ch (@#hُvhiڍvwN4ہmhr+܂F۰FxuWq=&{ bW*N%d4h8 t2 L2"d4|d4f,#0!0\e3h?~?rg-dEzD\=˞eGpX]pXGָ]qUSHp L}.?WyG\N{PŸ i`lEwqFXJܶM.b/Yt:N•8m<FjZi0z4/zOiɎfrjn>vcM1Q˲pY& ҹ2V鑆ˆi(SryDZH\XNUl:e5ƒJ8_?9,TqCτ}_gu ڬ >>q~l;ySy췏w!_nEgh}ߚWˣw(h-CUz ]V܍juhfluԾS\B Tf@hWB7_w\-9"8r9__"37"37 WU}4SGu^t^_s䬱^_wttx]){Ex~Qon2n*_ϊTd}2)A̤1v9bxhy4ž[^#jUMw;?~L/)=ovfJ?JFvz-@5kށkF?kk!k$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l ,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554Tk$$If!vh55#v#v:V l,554T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5>555#v>#v:V @ (,,5>544 p(T$$If!vh5555 #v#v#v#v :V  (,5555 / 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (,5555 44 p(T$$If!vh5555 #v#v#v#v :V @ (&&&&,5555 44 p(&&&&T$$If!vh5]5555#v]#v#v#v#v:V  ,5]5555/ 44 pT$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T$$If!vh5]5555#v]#v#v#v#v:V @ ,5]555544 p2T-$$If!vh5]5555#v]#v#v#v#v:V @ 2&&&&&,5]555544 p2&&&&&T$$If!vh5]555 #v]#v#v#v :V @ ,5]555 44 pT$$If!vh5]555 #v]#v#v#v :V @ ,5]555 44 pT $$If!vh5]555 #v]#v#v#v :V  (&&&&5]555 / 44 p(&&&&T$$If!vh55T55#v#vT#v#v:V b%Z55T55/  44 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V zb%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V Pb%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T55/  44 $$If!vh55T55#v#vT#v#v:V Zb%Z55T55/  44 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 $$If!vh55T55#v#vT#v#v:V Pb%Z55T5544 $$If!vh55T55#v#vT#v#v:V b%Z55T5544 j$$If!vh55#v#v:V b%Z5544 j$$If!vh55>#v#v>:V b% 55>44 j$$If!vh55>#v#v>:V b% 55>44 j$$If!vh55>#v#v>:V b% 55>44 j$$If!vh55>#v#v>:V b% 55>44 j$$If!vh55>#v#v>:V b% 55>44 j$$If!vh55H#v#vH:V b%55H44 j$$If!vh55H#v#vH:V b%55H44 j$$If!vh55H#v#vH:V Pb%55H44 j$$If!vh55H#v#vH:V b%55H44 $$If!vh5555h55|#v#v#v#vh#v#v|:V 4 w',5555h55|/ 44 f4T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',,5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',5555h55|44 T$$If!vh5555h55|#v#v#v#vh#v#v|:V w',5555h55|44 Tg$$If!vh5555h55|#v#v#v#vh#v#v|:V  <w',5555h55|/ 44 p<T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r5/ 44 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T$$If!vh5h555g5r5#vh#v#v#vg#vr#v:V w$,,5h555g5r544 T $$If!vh5U5Q 5Q #vU#vQ :V lT &&&0,5U5Q / / 4p&&&T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T$$If!vh5U5Q 5Q #vU#vQ :V l0,5U5Q / 4T $$If!vh5U5Q 5Q #vU#vQ :V l &&&0,5U5Q / / 4p&&&T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V l0$535*5585/ 4T$$If!vh535*5585#v3#v*#v#v8#v:V lW0$535*5585/ 4Tm$$If!vh535*5585#v3#v*#v#v8#v:V l 2&&&&&0$535*5585/ /  4p2&&&&&Tm$$If!vh535*5585#v3#v*#v#v8#v:V l 2&&&&&0$535*5585/ / 4p2&&&&&T$$If!vh55p5#v#vp#v:V r &&&_655p544 ap&&&T$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r &&&_655p5/ 44 ap&&&T$$If!vh55p5#v#vp#v:V r_655p5/ 44 aT$$If!vh55p5#v#vp#v:V r &&&_655p544 ap&&&T$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh55p5#v#vp#v:V r_655p544 aT$$If!vh5155#v1#v#v:V r &&&5155/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r &&&#<55s544 ap&&&T$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r &&&#<55s5/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r#<55s5/ 44 aT$$If!vh55s5#v#vs#v:V r &&&#<55s544 ap&&&T$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh55s5#v#vs#v:V r#<55s544 aT$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r &&&# 55s544 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r &&&# 55s5/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s5/ 44 aT$$If!vh55s5#v#vs#v:V r &&&# 55s544 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh575m5#v7#vm#v:V r &&&575m5/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r &&&# 55s544 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r &&&# 55s5/ 44 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s5/ 44 aT$$If!vh55s5#v#vs#v:V r &&&# 55s544 ap&&&T$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh55s5#v#vs#v:V r# 55s544 aT$$If!vh575m5#v7#vm#v:V r &&&575m5/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T$$If!vh5755#v7#v#v:V r &&&5755/ 44 ap&&&T[$$If!vh5h%#vh%:V l4h,5h%4f4T_$$If!vh5x 5x 5x #vx :V l5x 4T_$$If!vh5x 5x 5x #vx :V lh5x 4T_$$If!vh5x 5x 5x #vx :V lh5x 4T]$$If!vh55#v:V l4h54f4T$$If!vh5x 5<5<5x #vx #v<#vx :V l45x 5<5x 4f4T]$$If!vh55#v:V l4h54f4T $$If!vh5W5c5 #vW#vc#v :V l &&&0,5W5c5 / 4p&&&T$$If!vh5W5c5 #vW#vc#v :V l 0,5W5c5 / /  4pT$$If!vh5W5c5 #vW#vc#v :V l 0,5W5c5 / /  4pT$$If!vh5W5c5 #vW#vc#v :V l 0,5W5c5 / /  4pT$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4T$$If!vh5W5c5 #vW#vc#v :V l0,5W5c5 /  4TDd S&ub  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefmrstuvwxyz{|}~Root Entry  Fp㩗{o@Data WordDocument ObjectPool Ж{p㩗{_1307870681FЖ{Ж{Ole PRINTqB!CompObje  !"#$%&'()*+,-./012456789;<=>@ FMicrosoft Graph ChartGBiff5MSGraph.Chart.89q B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,C       '' "Arial-"Arial-"SystemZ98--------------------'- -'- -'-  --  M3--M3- M3M3$- jJ-- M3-$- y-- 3f- 3f$jjhhhfffeeecccaaa```^^^]]] \ \ \ZZZ%Y%Y%Y3X3X3X@W@W@WNVNVNV[U[U[UiTiTiTwSwSwSRRRRRRQQQPPPPPPOOOOOOOOONNNNNNNNNNNN-N-N-N;N;N;NJNJNJNXNXNXNfNfNfNtOtOtOOOOOOOPPPPPPQQQRRRRRRSSSTTTUUU V V VWWW(X(X(X5Y5Y5YBZBZBZP\P\P\]]]]]]j^j^j^w`w`w`aaaccceeefffhhhjjjlllnnnppprrrttt v v vxxx z z z+}+}+}666AAALLLVVV```jjjttt~~~- j-F *FQMM-- MMMM$  !$((,/336::=AEEHKKORVVyYt\t\n`hcafaf[jTmMpMpFs?v?v7y/|''wwl``TI==1%% ||oaSSF88*seWWI;;,zm``SFF9,|qqf\RRH>55,""|yvvsppmjffc`\\YVVROKKHEEA=}:}:z6v3v3t/q,o(o(m$k!iihggfee e eeeeefgghiikmooq tvvz}}!%%(++/2669<<@CFFJMPPSVVY\__beehk"n"n,q5s5s>vHyR{R{\~fqq|,9FFS``mz,;;IWWes*88FSSao|| %%1==IT``lww~{{yvssqnnkheeb'_'_/\7Y?V?VFSMPMPTM[JaFaFhCn@t<t<y9662/++(%%! - $'//77??FMMTT[[aahnnttyy  !%%)),,03377;;>>BEEIILLPPSVVyZyZt]t]nahdhdagag[j[jTnTnMqFtFt?w?w7z7z/}/}'wll``TTII=11%%  ||ooaaSSF88**sseeWWI;;,,zzmm``SSF99,,||qqf\\RRHH>55,,""}}zwwttqqnjjggddaa]ZZVVSSPPLIIEEBB>};};z7z7v3v3t0t0q,o)o)m%m%k!k!iihggffeee eeeeeeffghhiikkmmoqqttvvz}}"",~5{5{>y>yHvHvRsRs\qfnfnqlql|i|iggebb``^^\ZZXXVVTTR----'--- ---'--- --------'--- Of- : 2 Q $1,377,14088888888---'--- --------'--- _O--3f- 3f F 2 i$392,2388888888---'--- --  ---'---  ---'---  --  :%   .'2 9<  Consumer Recoveries DH==8=Y8'H88=68'88.---'---  ---'---  -3f- 3f ?%   .(2 >< Fines & Penalties - MD==88HC8=8!88!SH..2 < General FundN8=8'8====.---'---  ---'--- ---' ' 'ObjInfo Workbook 1TableSummaryInformation( 3##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1Arial1Arial1Arial1Arial1Arial1Arial1Arial= ',##0.00_ ` J ` J ` Z883ffff̙̙3f3fff3f3f33333f33333\R3&$ $8STU Consumer Recoveries ,#Fines & Penalties - MD General Fund Fund t5AAWY'= />X4@3d)   3Q  3-D Pie 1QQQ3_ M  8 MMd 43_ M 3f 8 MMd 43_ M  8 MMd 4E4 3QQQQ3_4E4 3QQQQ3_4E4 3QQQQ3_4E4D$% M3O&Q4$% M3O&Q4FA ?3O @523  432" :2dd h3O Mh% M3OQ443_ M NM 8 MMd444%  |M &3OQm&Q'4%  i5|M &3O{`Q'4% M&3O&Q'44 Oh+'0  0 < H T`hpxLDLLR Normal.dotshanks2  c $A? ?3"`?28]_QX+ `! ]_QX+l< _-xڽ lTUfZڡHH%DZ674؈bh@j;B(;P%"{t kHhQ#{3Ӆ)gm{=ޛEJψ\&BalZ{/ir-{/2xXN{il-cŶsTT:[e])*j/-)]uȱFԠZcYN=ƛQ9.]CńMqBnWױY!`_ U{M=b&r.%PYq9.q,8>W[v{ܧTd`qa ԵjL+doj&l[؋q^P _wF!QHg^\jyXvNXOPUIuiΩ>:{ ~"\c:+tWCSË^6kyęq%P=&V[Ʃy/p}EMLp׻fդ4e'c\0I)f LU$3Y`3+fL^0 4,Գf+XO\=eYf\Yf*=jo(M+ʯk:5`['A?w5|Y8p @0=ZMyʇMZ7`Vk含Zle%5WXZ$Fj2tpzijR5K^T i)0 &›6[L۷O-JmNcdw{9&=䴗sA= U!s<\\L"Ы~:' U9k[y9k_N ʩE5)6eԨZRRjWJ Ke 5-ԸZQԾ Ch (@#hُvhiڍvwN4ہmhr+܂F۰FxuWq=&{ bW*N%d4h8 t2 L2"d4|d4f,#0!0\e3h?~?rg-dEzD\=˞eGpX]pXGָ]qUSHp L}.?WyG\N{PŸ i`lEwqFXJܶM.b/Yt:N•8m<FjZi0z4/zOiɎfrjn>vcM1Q˲pY& ҹ2V鑆ˆi(SryDZH\XNUl:e5ƒJ8_?9,TqCτ}_gu ڬ >>q~l;ySy췏w!_nEgh}ߚWˣw(h-CUz ]V܍juhfluԾS\B Tf@hWB7_w\-9"8r9__"37"37 WU}4SGu^t^_s䬱^_wttx]){Ex~Qon2n*_ϊTd}2)A̤1v9bxhy4ž[^#jUMw;?~L/)=ovfJ?JFvz-@5kށkF?kk!-D@D Normal1$CJ_HhmH sH tH P@P  Heading 1$$d@&a$5CJOJQJL@L  Heading 2$$d@&a$ CJOJQJP@P  Heading 3$$d@&a$5CJOJQJl@l  Heading 40$$d$d!%d$&d!'d$-D @&a$5CJ OJQJH@H  Heading 5$$d@&a$5CJ~@~  Heading 6E$$ & %pP!D%%0du@&]0a$ 5OJQJr@r  Heading 7>$$ U0@ t"(#`'00d>@&]0^0a$5CJl@l  Heading 87$$ 0hp @ dA@&a$5CJP @P  Heading 9 $$(do@&](a$5CJDA@D Default Paragraph FontVi@V  Table Normal :V 44 la (k(No List <&< Footnote Reference6O6 Style ^ `6"@6 Caption xx54@"4 Header  !4 @24 Footer  !.)@A. Page NumberZC@RZ Body Text Indent`1$^`` CJhu@>@b@ Title $1$a$5>*CJhu:@r:  Footnote TextCJ00 TOC 1x56:: TOC 2x^5CJ22 TOC 3 ^CJ22 TOC 4 ^CJ22 TOC 5 ^CJ22 TOC 6 ^CJ22 TOC 7 ^CJ22 TOC 8 ^CJ22 TOC 9 ^CJ2B@2 Body Text!CJ(W@!( Strong5jP@2j Body Text 29# & %pP!D%%0d]0LR@BL Body Text Indent 2 $`CJ6Q@R6 Body Text 3%CJ@J@b@ Subtitle &$1$a$ 5huPS@rP Body Text Indent 3 '`OJQJ8+@8  Endnote Text(CJ>*@> Endnote ReferenceH*jT@j Block Text7*  (#`'rvLd7]r^v`LCJnn W. Table Grid7:V+0+1$HH >h Balloon Text,CJOJQJ^JaJ!T )5_6ATfyzvwȏ$'w/Si F  c   $  <  ^=s$ z"zzz z z z z z" z z z z z z z z z z z z"zzzz"z z z z z z z !z "z"#z$zST \j!%)W05_6;AFK'PRST\`fZmuyzbvwfȏVš$%'wɺeU/SiT9    ;  @ 71 !"""""##Ft!5678j TfghJ9HnkUVop Da'()Rbc[ \ 67QRz{|}OP4J^mnuvwx  !"gpq+45NVWirs   M X Y m p q !!!!!"!-!.!U!^!_!`!u!w!!!!!!!!!" "!"b""""""""""""""##0#6#<#B#C#a#h#o#v#w######################$9$H$I$$$$$%%V%W%%%%%%%&& & &'&5&B&^&_&y&&&&&&&&&&&&&&&&&&&&&&&&''''''''' ' '&'/'8'X'Y'Z'['\'{'''''''''' ( (#(.(1(8(C(D(j(v((((((((((((() )))))))))=)I)V)f)s)t)u)v)w)x)y)z){)|)})~)))))))))))))))*@*O*P*u*************************+ +)+.+/+M+X+c+h+i+++++++++,,",+,3,9,:,;,<,=,>,?,,,,,,,,,,,,,,,,,,,,,,,,--+-3-;-C-D-|--------------- ... .!.&.'.(.).*.I.T._.d.e.f.g.h.i.j.k.l.m.n.o.p.q.r.s.t...................../ /////////4/`/a/b/c/d////////00000"0O0P0R0S0T0U0V0W0X0Y0Z0000000000000000111A1B1J1K1R1S1T1\1]1d1e11111111111111111111122222222E2M2U2V2^2e2f22222222222222223333#3$3>3G3P3Q3Z3b3c33333333333333333333333344444444454C4R4S4X4e4q4r44444444444444444445555%5&5+565A5B5M5V5W5\5g5r5s5~555555555555555555 6 6$64656\6_68899;;>>#@AAAAB B B BBBPBQBsBBBBBBCCCC!C"CcCCCCCCCEDmDnDDD=E>EzEEEE F FOFyFzF{F|FFFFGGPGuGvGGGGGGGGH/H0H1HHHHHHHHII(I:I;I`IrIsIIIII JJQJ`JaJJJJJKKDKTKUKKKKKKKKKK{LLLL=MmMnMMMMNNNoNpNqNNNNO>O?OOOOOOOPPPPPPP P!P"P#P$P%P&P'P(P)PfPgPPPPPPPPPPQQ(Q)QQQRQ}Q~QQQQQQQRR(R)RRRSRRRRRRRRRSSSS0SMSNSOSPSQSRSSSSSSSSSSTT3T4TPTQTRTSTlTTTTTTTTT UDUEUqUUU!VQV~VVVWaWWW X>XpXXXYKYYYYkrkkkkk2lolllm,mZmmm nMnnnnoQoooo8pfpppqUqqqq.rprrrsAsvssstDtztttu>umunuuuv0vbvvvv(wRwwwwx2xrxxxxyGHIJVWbcnopqr $%AJRS%-56LWbc~"+,CKST_gop9:;FGRSVu:;Ja!*CDW`rs/CUVepq~ !/0ST 3CDEFGHIUer )*/45GHMRSlmrwx *+056DEJOPghmrs "#(-.=>CHIXY^cdefijklmn4}EQR$$$$$$$$$$$k$$$$k$k$$$$$$$$$$$$$$LS$LS$LS$5$5$5$$$$q$Д$q$q$q$q$q$q$q$q$܎$q$q$q$q$q$q$q$q$q$q$܎$q$q$q$q$Д$q$q$q$Д$q$q$q$q$q$Д$q$q$q$8_$q$Д$q$q$8_$q$q$HS$hG$X$5$5$<_$|$| xxxx xx xxxxxxxxxxxx xx$5$5$#$x$ k$xExEd7q܈E|7||E|7|E|7|E|7|E|7|E|7|E|7|E|7|E|7|E|7|E|7|E|7|EwEEd7xEx7xxExEd7|܈E|7|E|7|E|7|E|7|E|7|`E|7|E|7|EwEEd7xEx7xxE|Ed7|`GE|7|E|7|E|7|E|7|EwEEX7xEwEEd7x$#$#$5$x$xHMHMHMHMHM$x$x$x$x$x$x$5$5$ k$x$q$ $|$|$|$|$|$x$$$$5$5$5$ k$|$|$|s||d| x0_shGhGdhG \MshGhGdhG \MshGhGdhG tAshGhGdhG tAshGhGdhG tAshGhGdhG tAstAhGdhG tAs||d| |$x$x$x"|||t;xt;"hGhGhGhGtA"hGhGhGhGtA"hGhGhGhGtA"hGhGhGhGtA"hGhGhGhGtA"tAhGhGtAtA"|||||"5"555 \M \M \M"555 \M"d"|"|"d|||| | |$5$x$ k$ kxxsxxxdXsXX kxxsxxx xsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxx`xsxxxxsxxxxxsxxx`xsxx`xxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxsxxxxxxxxxxxxxxxxxxxxxx xxx xxx xxx xx$5$5$p$x$ k$|$x[|||d|d|,|d|@|@|[|[|||d|d|,|d|d|@|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|[||d|,|d|@|$$x$x$x$#$x$8_$x-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|-||s|,|7|s|$tA$HS$x$5$5$X$|$Xxxxx xx xx xx$)$5$5$x$$$$$hG$$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$$hG$tA$$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$$hG$tA$<$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$$tA$$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$$$$tA$$hG$<_$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$hG$d$|$|$)$)$)$)$)$)$$tA$<$tA$<_$hG$hG$hG$hG$hG$hG$hG$hG$X$|$|$|$|$5$5$8$x$d$x$q$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$t$t$t$t$5$8$x$x$q$$$$$$$$$$$$$|$t$t$5$5$x$5$5$8$x$x$q$$$$$$$$5$5$5$@$x$L$q$|$$$$$$$$$$$$$$$$$$$$$q$x$q$|$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$q$$$$$$$$$$$$$$$$$$$$$$$$$$$$\M$\M$\M$#$#$#$x$q$Xxxxxxxx; xxxxxxxx$5$5$5$p$p$p$$$$x$|$x$5$x$x$x$x$x$#$x$;$$5$5$5$|$| x x x x x x x x x x x x x x x x x $5$#$#$x$|$| x x x x x x x x x x x x x#######~ z|z|XM~ zz|~ zz|~ zz|~ zz|~ zz|~ zz|~ zz|~ zz|~ zz|~ zz|~ ~ ~ zzzz#tA#h#####x#hGZxZdSxx`xx܈ZxSxx`xxxZxSxx`xxxZxSxx`xxxZxSxx`xxxZxSxx`xxxZxSxx`xxxZxSxx`xxPGZdZxSdSxdx`d`xXxЎZdSdd`dX#<_##x#x#####x#x#x#x#x#x#x#x#x#x#8###x#x#x# # #x#5#x#x#x#x#5#x #x#x#x#x### #x#hG##x#|#\M#hG|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|4do|`G|4|o|Ȕd|d4d4|odo|hGhG##4#o#( |4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|o|Ȕ|4|4|o||4|4|o|X|dddd|d|#hG##x#|#\M#hG|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|686|j8j|j<_p##6#j#XG|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|<_d8d|t8t|t8p#8|d8d|t8t|t<_pXxddd|tdt|td#hG#hG##x#|#\M#hG|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|<_686|j8j|p##6#j#XG|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|<_282|28t8t|p#8|d8d|t8t|t<_p#Xxdddd|tdt|4Y#5##x#|#\M#hG|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|<_686|j8j|p#6#j#Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ|6|j|Ȕ8|8282|t8t|lA#8|8d8d|t8t|lAXxdddd|tdt|4Y###4_##x####x###x###x####x####x####x####x####x####x#######5# k#x##5p xp |p |p xp |p |p xp |p |p xp xp |p xp |p xp |p |p xp xp |p xp xp |p xp x$$5$|$x$<_$#| p @ p@ k x | |t; k | ||x|x|t; kd|d| ||x|x|t;$p$x$x$,$5$8$5$|$|$@$|~q~dpqX1q1X~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM~q~Dq1qXM$q$x$x$x$x$x$x$x$hG$ xxHx$|$|xH$|$|x<x$|x<x#|x$|Ft!5678j RTfghJ9HnkUVop Da  '()Rbc[ \ 67QRz{|}OP4J^mnuvwx  !"gpq+45NVWirs   M X Y m p q !!!!!"!-!.!U!^!_!`!u!w!!!!!!!!!" "!"b""""""""""""""##0#6#<#B#C#a#h#o#v#w######################$9$H$I$$$$$%%V%W%%%%%%%&& & &'&5&B&^&_&y&&&&&&&&&&&&&&&&&&&&&&&&''''''''' ' '&'/'8'X'Y'Z'['\'{'''''''''' ( (#(.(1(8(C(D(j(v((((((((((((() )))))))))=)I)V)f)s)t)u)v)w)x)y)z){)|)})~)))))))))))))))))*@*O*P*u*************************+ +)+.+/+M+X+c+h+i+++++++++,,",+,3,9,:,;,<,=,>,?,,,,,,,,,,,,,,,,,,,,,,,,--+-3-;-C-D-|--------------- ... .!.&.'.(.).*.I.T._.d.e.f.g.h.i.j.k.l.m.n.o.p.q.r.s.t...................../ /////////4/`/a/b/c/d////////00000"0O0P0R0S0T0U0V0W0X0Y0Z0000000000000000111A1B1J1K1R1S1T1\1]1d1e11111111111111111111122222222E2M2U2V2^2e2f22222222222222223333#3$3>3G3P3Q3Z3b3c33333333333333333333333344444444454C4R4S4X4e4q4r44444444444444444445555%5&5+565A5B5M5V5W5\5g5r5s5~5555555555555555555 6 6$64656\6]6^6_68899;;>>#@$@AAAAAB B B BBBPBQBsBBBBBBCCCC!C"CcCCCCCCCEDmDnDDD=E>EzEEEE F FOFyFzF{F|FFFFGGPGuGvGGGGGGGGH/H0H1HHHHHHHHII(I:I;I`IrIsIIIII JJQJ`JaJJJJJKKDKTKUKKKKKKKKKK{LLLL=MmMnMMMMNNNoNpNqNNNNO>O?OOOOOOOPPPPPPP P!P"P#P$P%P&P'P(P)PfPgPPPPPPPPPPQQ(Q)QQQRQ}Q~QQQQQQQRR(R)RRRSRRRRRRRRRSSSS0SMSNSOSPSQSRSSSSSSSSSSTT3T4TPTQTRTSTlTTTTTTTTTTT UDUEUqUUU!VQV~VVVWaWWW X>XpXXXYKYYYYkrkkkkk2lolllm,mZmmm nMnnnnoQoooo8pfpppqUqqqq.rprrrsAsvssstDtztttuu>umunuuuv0vbvvvv(wRwwwwx2xrxxxxyGHIJVWbcnopqr $%AJRS%-56LWbc~"+,CKST_gop9:;FGRSTVu:;Ja!*CDW`rs-./CUVepq~ !/0:RST 3CDEFGHIUer )*/45GHMRSlmrwx *+056DEJOPghmrs "#(-.=>CHIXY^cdefghijklmn45}EQRt000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000(0(0000000000000000000000000!0!000000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 0 0 000 0 0 0      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[]^_`abcdefghijklmnopqrstuvwxyz{|}~0(0000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0000000(0000000000000000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 000 0 0 0 0 0 0 0000 00 00 00 0 00(00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00000000 00 00 0 0 00 0 00 00 00 0 00 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0000(0(000000!0!0!0!0!0!0!0!0!0!0!00!0(0(0000(0(00000000000000(0000000000000000000000000000000000000000(0000000000000000000000000000000000000000000(000000000000000000000000000000000000000000000000(0(0(000000000000000000000000000000000000000000000000000(00000000000000000000(0(000000000000000000000000000000000000000000000000000000000000000000(0(00000000000000000000(0(00(0(00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000(000000000000000000000000000000000000!00(0!0!0!0!0!00!0!000!0!00!0!0!0!0!0!0!0!0!0!0!000000(000000000000000000000000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 00 00 0 00(0(00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 00 00 00 00 0 0 0 0 0 0 0 00000000000'0'0'0'0'0000000000(00000(00000000000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 000 00 00 0 0000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 00 0 0 000 00 00 0 00000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 00 000 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 00 000 0 000 00 000 0 00 00 000 0 000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 00 00 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 000 00 0 000 00 000 0 0000 00 00 0 00000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 00 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 00 00 0 0000 00 00 0 000 00 00 0 00000000000000000000000000000000000000000000000(00'00(0000000000000000000000000000000(00000 0 0 0 0 0 0 00 0 0 0 0 0 0 00 00 0 0 0 0 0 0 00 00 0 000(0(00(0000000 000 00 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00000000000(00J0000J00,K00000  pf0000Ľ0000-000J000T0 H{{~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~@@@@@@@@@@@@MMMMMM||||||~~~ g L (2/$_&U(o)^*C+,-c.z/X0,2O356P9:<=?ALDF.HJKLPQSUVXYZ\\k]2^B_~`abUdfgi#jkkmnoUpDq6stvy{J~([Í!_ܲҹ<Jq 9)-Rjpsuxy{~   !"$%'()*,-/124679:<>?ABDEGIKMOPRU`dmrtvw5   a'n&&!'''V(((()p)))*-**+++,B,v,,,,-W.^//////0 0X000#1D11122=2s2v2~22233333.4h44595>555556C6666 7)7d7i7n7s7777788c889S9Y99J:e:::;V;;;#<b<<<<=====%>V>>>>>JKmMPQS=VYY[\]_edRhikmoLqrtx}vh_RsƱ (KmٲYճ4a 3U:c*Il'4b?a +[}5z^1RGcJ5b+SoRusVCH5S5Or-HcnDqtvwz|}   #&+.0358;=@CFHJLNQSTVWXYZ[\]^_abcefghijklnopqsuxyz{|}~r  #HOQ~@GJMTW!!!!!!!!!!:,2$]_QX+ 0e0e     @  5% 8c8c     ?A)BCD|E||@(  b  c $A ?"?B S  ?E&[4 _Toc471878464 _Toc471878466 _Toc471878467 _Toc471878454 _Toc471878468 _Toc471878477 _Toc471878478 _Toc471878480%)Z05hV%*0y:JdK KgR L4hR MthR NhR OhR P4iR QtiR RiR SiR T4jR UtjR VWR W4XR XtXR YXR ZXR [4YR \tYR ]YR ^YR _4ZR `tZR aZR bZR c4[R dt[R e[R f[R g4\R ht\R i\R j\R k4]R lt]R m]R n]R o4^R pt^R q^R r^R s4_R tt_R u$0N vd0N w0N x0N y$1N zd1N {1N |1N }$2N ~d2N 2N 2N $3N d3N 3N 3N $4N d4N 4N 4N $5N d5N 5N 5N $6N d6N 6N 6N $7N d7N 7N 7N $8N d8N 8N 8N $9N d9N 9N 9N $:N d:N :N :N $;N d;N ;N ;N $N d>N >N >N $?N d?N ?N DT T ĄT T DT T ąT T DT T ĆT T DT T ƒćT ÃT ăDT ŃT ƃĈT ǃT ȃDT ɃT ʃĉT ˃T ̃DT ̓T ΃ĊT σT ЃDT уT ҃ċT ӃT ԃDT ՃT փČT ׃T ؃DT كT ڃčT ۃT ܃DT ݃T ރĎT ߃T DT ჸT ⃸ďT ヸT 䃸DT 僸T 惸ĐT 烸T 胸DT 郸T ꃸđT 냸T 샸DT 탸T ĒT T DT T ēT T DT T ĔT T DT T ĕT T DT T ĖT T DT T ėT T DT T ĘT T DT  T  ęT  T  DT  T ĚT T DT T ěT T DT T ĜT T DT T ĝT T DT T ĞT T  DT !T "ğT #T $DT %T &ĠT 'T (DT )T *ġT +T ,DT -T .ĢT /T 0DT 1T 2ģT 3T 4DT 5T 6ĤT 7T 8DT 9T :ĥT ;T <DT =T >ĦT ?T @DT AT BħT CT DDT ET FĨT GT HDT IT JĩT KT LDT MT NĪT OT PDT QT RīT ST TDT UT VĬT WT XDT YT ZĭT [T \DT ]T ^ĮT _T `DT aT bįT cT dDT eT fİT gT hDT iT jıT kT lDT mT nIJT oT pDT qT rijT sT tDT uT vĴT wT xDT yT zĵT {T |DT }T ~ĶT T DT T ķT T DT T ĸT T DT T ĹT T DT T ĺT T DT T ĻT T DT T ļT T DT T ĽT T DT T ľT T DT T ĿT T DT T T T DT T T T DT T T T DT T T T DT T T T DT T T T DT T T T DT T „T ÄT ĄDT ńT ƄT DŽT ȄDT ɄT ʄT ˄T ̄DT ̈́T ΄T τT ЄDT фT ҄T ӄT ԄDT ՄT քT ׄT ؄DT لT ڄT ۄT ܄DT ݄T ބT ߄T DT ᄸT ℸT ㄸT 䄸DT 儸T 愸T 焸T 脸DT 鄸T ꄸT 넸T 세DT 털T T T DT T T T DT T T T DT T T T DT T T T DT T T T DT T T T DT  T  T  T  DT  T T T DT T T T DT T T T DT T T T DT T T T  DT !T "T #?N $$@N %d@N &@N '@N ($AN )dAN *AN +AN ,$BN -dBN .BN /BN 0$CN 1dCN 2CN 3CN 4$DN 5dDN 6DN 7DN 8$EN 9dEN :EN ;EN <$FN =dFN >FN ?FN @$GN AdGN BGN CGN D$HN EdHN FHN GMicrosoft Office Word@@F@<x{@<x{$c՜.+,0 hp  Dell Computer Corporationl' L Title  FMicrosoft Office Word Document DocumentSummaryInformation8:0CompObj?qHN H$IN IdIN JIN KIN L$JN MdJN NJN OJN P$KN QdKN RKN SKN T$LN UdLN VLN WLN X$MN YdMN ZMN [MN \$NN ]dNN ^NN _NN `$ON adON bON cON d$PN edPN fPN gPN h$QN idQN jQN kQN l$RN mdRN nRN oRN p$SN qdSN rSN sSN t$TN udTN vTN wTN x$UN ydUN zUN {UN |$VN }dVN ~VN VN $WN dWN WN WN $XN dXN XN XN $YN dYN YN YN $ZN dZN ZN ZN $[N d[N [N [N $\N d\N \N \N $]N d]N ]N ]N $^N d^N ^N ^N $_N d_N _N _N $`N d`N `N `N $aN daN aN bN \bN bN bN cN \cN cN cN dN \dN dN dN eN \eN eN eN fN \fN fN fN gN \gN gN …gN ÅhN ą\hN ŅhN ƅhN DžiN ȅ\iN ɅiN ʅiN ˅jN ̅\jN ͅjN ΅jN υkN Ѕ\kN хkN ҅kN ӅlN ԅ\lN ՅlN օlN ׅmN ؅\mN مmN څmN ۅnN ܅\nN ݅nN ޅnN ߅oN \oN ᅸoN ⅸoN ㅸpN 䅸\pN 典pN 慸pN 煸qN 腸\qN 酸qN ꅸqN 노rN 셸\rN 텸rN rN sN \sN sN sN tN \tN tN tN uN \uN uN uN vN \vN vN vN wN \wN wN wN xN \xN xN xN yN \yN  yN  yN  zN  \zN  zN zN {N \{N {N {N |N \|N |N |N }N \}N }N }N ~N \~N ~N ~N N  \N !N ett  -111$1113333335656<6?6K7K7/8/8::c; > >>>>p?p?{?M@y@y@@@ B]B]BeBBBBBBCCCCCCFDRD_D_DjDnDDDDDDE"E/E/E:E>E{EEEEEEEEEEEF F+FPF\FiFiFvFFFFFFGGGQG[GhGhGrGGGGGGSHHHHHHHHHIII)I)I7IaIaIoIIIIIIIJJRJRJ]JaJaJJJJJJJJJKKKKKLLKMKMOOPPPPPPQQEQEQaQoQoQQQQQQQRRR;RDRDRfRfRRRSSSSTT$T$TETETURURUUUUUUUUU/V/VaVaVVVVVtWtWWWXXXXXXXYYYYZZRZRZZZZ[[[D[D[u[~[~[[[[B\g\\\\\\\h]h]]]j^s^s^^^^____2`2`aaaaa#b(bEbEbJbbbbbccc\c\cccc5e]e]e]eeeeeeAfAfAf{f{f{fffKgKg}g}ggggggggghhh_h_hjhhh5iDiHiHiRiiiiiiiiij(j7j7jBjcjcjnj~jjjjjjjjjj#k#k,kkkkkkkkkll$l2l?@ABCDEFGIHJKLMNOPQSRTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghikjlmonpqrstuwvxyz{|}~h    .1#1)1)111333333;6>6C6C6S7S77878::f;>>>>>y???Q@@@@@BcBgBgBBBBBBCCCCCDPDTDhDlDlDqDDDDDD E$E8E?@ABCDEFGIHJKLMNOPQSRTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghikjlmonpqrstuwvxyz{|}~:*urn:schemas-microsoft-com:office:smarttagsStreet>*urn:schemas-microsoft-com:office:smarttags PostalCode8*urn:schemas-microsoft-com:office:smarttagsCity;*urn:schemas-microsoft-com:office:smarttagsaddress9*urn:schemas-microsoft-com:office:smarttagsplace9*urn:schemas-microsoft-com:office:smarttagsState8x*urn:schemas-microsoft-com:office:smarttagsdate?*urn:schemas-microsoft-com:office:smarttags stocktickerB*urn:schemas-microsoft-com:office:smarttagscountry-region'urn:schemas:contacts GivenName urn:schemas:contactsSn(urn:schemas:contacts middlename("urn:schemas:contacts nameSuffix=*urn:schemas-microsoft-com:office:smarttags PlaceType=*urn:schemas-microsoft-com:office:smarttags PlaceName>*urn:schemas-microsoft-com:office:smarttags PersonName `61319927DaylsMonthtransYearx""!hKhwwww557788:;=>@AKNY} EPu5BBEE 4557788:;=>@AZ{ ERrs557788:;=>@A|W}~4'NT"\ضv*fQ3tC868[m5l 8I~ |q SRd"[_Pzm6toEeAOJ\QXWZV6m[F_ ; \ 6 b Y/ = l\ * &, - 4 j cl mq | D ( % N, hP ({ ,{ K~ ) p ,8 }; A Z ` Ht }2]Lcfu|~&(4QSX#c' *<G\Ni 5Wjyo$C&/2JPYOBzHO cevw?H|; $IoT~7C@MpOq{@KyMqjpz <!FKaf*mtz`}SthtuHAs]hoTtt5u~%GIfzS\fMhr} 'pE%S>ha1>xSTf[gq"w @DJOa {* * n> !$!!,!1!@!K!ms!z!"% " ""s "U"["t^"#l####'$#)$)H$h${$%N %/"%{;%_Q%WS%Y%[%od%k%>q%&s&$&5&D&S&V&V&ta&@i&j&%q&l ''z':'ZD'O'\'g'gh'v'N(G(;(*F*S*8k**t*:+y+- --3-T-f-1r-~..W.k.?p.8//t/X /%/O/Bi/s/]>0&B0$101U1o19U9eY9B`9l9Gy9S:T::(::c@:NC:L:Z:I;`;q;<l<8<P<s<>z<}<K=^=w=)>c?A??b?X ?\?i]?c?Ki?xn?;r?@@$@B@C@\`@j`@Xn@r@ALA`AvABBO*B!5BxPB]`B$C6-C=CFC\CgCD+DcDD_$D ,D4DejD5E9E5xE9F(F\FpFG#G"-GR1GEGhGHe1H@HIHTHAYHH55I DI[OIcIJJ1J HJK"KDKGK`KgK}K{L[LL%L;LGL%ULXLyL/Mg+M.M1M}1M;M SSK2S5S`;SrCSQS_STxT TY(TtTQUU$U8U=EUu|U>V7LVNVHXV$YV{|V WW&W5WN8WfgWOXX$XJXnXXY/Y5Y67YDY8mYoZ#Z5ZYZ^Zv[<[[A[[CZ[`[ \)\ 2\7\5G\R\Bd\s\-~\]= ]]+]+]v:]G]I]O]1P]Q]~]8^03^23^l@^'{^?|^|_?_I_Y_|d_``$`,`-`9`x`&aifggjg:ngyg h<)hFh Rhimi$iZbi[titijj&jlGj-kkk06kEBkJk zk=lDl+xl#zl}lOm(?m9bmcmlm}m nJn{Sn`nnnDoXoo#o'o7o@Tokono!sopOp#p6pX]pQ?RgRUW[#@&?,,R86JOZ[cZe-6B`P >$6,uCpTzK6p f} 8HLo`pLum!@JARjen34GBwMZsuA_13&9CQqb /GGJOk>ZQq v{ gQbDdFW = (Z5}t9h .:;<IY[\ gqz%v'N-H{1)PYr|`d5x{aV5[+^^}LBS$%=<O rDN%MQ67Gd#-AFS\]:a}ci-5U} $))r*GX#%i-3LNFds)Nt9W8VX g"myE 0ZHUF .n::JbTm^t%+@ EH2^a&2Qnhqz&C;E]z'5a]BBGIQ=__aLSV\w s-"GQfV^tyjx/Gno2`js$wm,67%"P:KqNH^i ~$x4M|;"hFNSfX2JO+aXctr_tx 5D_OzTO.WCPEQXZ[na& *~}'556h4p)}05m.@Y_ch-nbyy&()>,237M[ 1 ?/#/NA] 9S::CsYfP E%PeNh&(? $'&? @*W]hjos tk UEdopNIK/o#GoaSZ x!<XYcqkx$BK%,I4OUs|3uKT~ CFIKPnq  !"([Kf0ps:>z%1"k9pGr|n&6kos #GHw|([j{6 '12OUh,9emgDCdN "0J/:y< "*JLs|/),2PXbj"w(3Jd1u%>Pq8dkx336$M(-7rJ)TegSil .KPRhn'm3BN6h+E<\r,?M1PSTXT[^lU#o &3Z<jjo.=cIJVvby6 p\]^\blUwC*j} e 4Kx$;MP7nt z&I%"[W x"+ &`(_. lc+KN]bgR T#)_3xDG,?,,,,,,,,,,,,,,,,,,,,,,,,--+-3-;-C-D-|--------------- ... .!.&.'.(.).*.I.T._.d.e.f.g.h.i.j.k.l.m.n.o.p.q.r.s.t...................../ /////////4/`/a/b/c/d////////00000"0O0P0R0S0T0U0V0W0X0Y0Z0000000011A1J1R1S1\1d1e11111111111111111111122222222E2M2U2V2^2e2f22222222222222223333#3$3>3G3P3Q3Z3b3c33333333333333333333333344444R4S4X4e4q4r44444444444444444445555%5&5+565A5B5M5V5W5\5g5r5s5~55555555555555555STUcstƨͨΨ  (/0BKSTdmuvȩ٩ک YZjov{ŪɪͪѪժ֪$(,045QUY]ab '(?JUV{ 07:;KWcdƼμּ׼'*+9AIJZclmĽŽܽ'(-145JVbcľ̾Ծվ/8?@[^abr|ɿѿҿ $+,OV[\qv}~,4ABhq{|MV^_z}',12BJRSv}2=GHIVbopq $%AJRS%-56LWbc~"+,CKST_gop:FRS CDEFGHIe */45HMRSmrwx +056EJOPhmrs #(-.>CHIY^cd4333333333333333@EC2_HPNe03:winspoolHP LaserJet 5100 PCL 5eEC2_HP? odXXLetter.HP LaserJet 5100 PCL 5e2xejQ:I&fI4=Cf,3DiPch23Tfr | ѵ;s39/Sԭ(vt*^]Gfv[d";UC?o![yt"OY@vSog0;i,X,dE#Ozc1xV^IXE8\fK @ n3w{nITehEC2_HP? odXXLetter.HP LaserJet 5100 PCL 5e2xejQ:I&fI4=Cf,3DiPch23Tfr | ѵ;s39/Sԭ(vt*^]Gfv[d";UC?o![yt"OY@vSog0;i,X,dE#Ozc1xV^IXE8\fK @ n3w{nITehW @@@Unknown Gz Times New Roman5Symbol3& z Arialg, Footlight MT LightBook Antiqua9Perpetua9"CG OmegaC"Antique Olive5& zaTahoma;WingdingsSWP TypographicSymbols" hZgZg2Fc$lc$l,T! rd3q HX?~:LDLLRshanksbeau2328|                       MSWordDocWord.Document.89q