%PDF-1.6 % 310 0 obj <>stream h22V0Pw/+Q0L)62 )I3RYZlg`h endstream endobj 311 0 obj <>stream hތj0[97P|4" `GVC Csz˴nqв?Ӥ[Aľ )(`@FV H?Uvf]&ZbMLI1CQo”lqL&ې.Uya{kV$ssLd{߹Hll9\=֞?=mzG^%04HC׈ [#S鐙ǸPp(Ӻޔ&tDE@Q+Qc+/x#q0F Tv l>H 9?ve.7QZ4KSQRR}G 3aaJEJT |0i\UYBGdl8`q#! endstream endobj 312 0 obj <>stream h, @_e^@f A+ lXtNo>0"یdK dt!qIǙUt Wuyx~(:&10U%aJEwl,/noWƩd-/0Qѣ/ĴmGD2{G1 G95 zԮjd0elJ' endstream endobj 313 0 obj <>stream hޔXۊ7.A5`oC6a0 町iM`tE*q!%$ShKk _.9I$5֠ާ9b!uG5XSC.b(,%!Gr&GJپS54ŀf\83SC6123g|oHb\L`b1jB;)`R2 4&jjx3 N!\#<sI A6Bl2T*{5o v`1c>ă2W*|l>>5ɜd f @{oU Tbh[d[xa:+@";= =)Z\ (\H ,.A+YJjWi Zz5M#b dJ|ɋ8 o$ًRDUmȠ iojo$)!'dxG3ZvjRż f.mڊmĈ_8,o"6أ_$k%Hrm8Y*bO\lw"7=.)d ݲzrTA}},x J3ꓥArꖑ#2Tg]%N֧ߩ'K! 'WQ\*љqS^[m]`WC2D-_yf̩]ܑJq˪\ޮNƭm%$Va&)YkŮ{Rcg^)nx-3i;4x7áےu}ޝMv9&l 2fv.0᢮cYإNL>stream hTm1 D[QEQp 9pN.Oyш1J-cekYK].r+毊W}ݯa0cyA~&:A]PסFq*D`;~a31~C3sO~>:Hfn"oM q49:ar;%6U@ # ”%kKb4T4X%%-----'{ЯnT1 endstream endobj 315 0 obj <>stream hޜj@_e`'qArEEi(B\IVo߱1^ U1F,c`<ƩڄqoViBFK|׷򺜕 Au֜Zk*jyQ&j 3u&zmIY9f3,h05Mz9nhZKqewCCB{QZc%N$9tvH&!%So}6Su;DC  58 N@ n`/a endstream endobj 316 0 obj <>stream hXMo6+RAEQ$)z(r8zg7XoZߗo8CQC5gjIErol:1]i=΅k;7v*yu6t>6ǿa컲6ݫٲԴ<?n~~87_ޟ~m>^8װտϟ#89w݇D@FߜSTڼdyz`0vzKE>G1oؤ08 ZM_~5"mK%ەi!堦X&Ut1a~| lVD%XYCI( 4_:`np>>,_{8?-ӏ9s@%D%6GvZIpaC:"AhzϠ  "0zD5@!Ϋ)nrP >E/$P`Īzxz} {>KM~m_ЎSI^ ${9q\'}FGbFkn~^0& d Qe"m)FʙզL9ϒPdlH3H;ՇtL|KydXMҌ!g&[ij[<E]6fEvX%IV}Uw~ı,1k\VMw7958nTV<)uQtA}$E$䃑%U(˲>sZbVѤ$Ch)A `af:&Il^ W f:_HZ% 6ffZP+TcG'1j#MYG=٢اo\$ emM6]ȫKH@f\),s#1ZY5ʻ(F0w]5M0Q`"ƤSgC\ )NZMb+ =gC!0&k%d~L(?&9O\slA@hlJ,EJ_29(Éi06C"I@DHXs{ βעv}[D"[$!?mH0+q endstream endobj 4 0 obj <>/Filter/CCITTFaxDecode/Height 176/Length 2329/Name/im3/Subtype/Image/Type/XObject/Width 2544>>stream !h#ȦOl|G 27K̺:#!Ds#2ඈGh a92C  xn8C$ xfCQd1j<$0G nGHGr8GDpB8d8d!2`dQ2qY  x@G!!9AAl8[ 13CPr dqG)d2@r %G 94r9 ZAr8 ATqH.93C$5GdPAY`rp@r `>C 2 xr a5C (r @r r NC 9 0r`\r>@d 3 @C 9q C4r2Ar9PiCdDrrCS@m@ h C,q96C$ x5<2 Al ym@Qgqc&@eAl!#< xC 4 w `Ð3 GAq @C6` (2r8@qTraG x6C!C 3@G xfF97 J 3  rp`w qd @88#eV98 |?6q2C8 4r` "9N@H3\+d8@C[5q@U451qH8 9 XT-d` rm@7 mf@fd 89S s3![ #4A@"99 f|c 3G 9AXr%89 9 09 +G JH3! C[A9Bd9|9 9Adq@2C(r X9 r$>@ C f9@+G!@c*X2C,r C 1D|,69F99CP|G s5! & Clq*@Վ#<09,r 9 $W Ad4 xAq!XC4|r @8 YG x090l0@3C l l|rpj8@ &q! f cr a909AH5G J! q !51C49@'@2CqDzC(!C3qC Chr4!X9mAl5_T J H5@ f9@9 F9hq@r>@\,h6Ao4 9`*# rX9rr u!>B@2 xfC4r0X0>@XQC) N8q  v 1DrP9kC (!r!9  7r 9 DG `rPr!G Ð&hDG f Ð4 sC%h51-PqC$Aq  hrP,09 x2@c f($90G u 3a a60rPWqqLr r`Y>PAl60 r9hr #26!8C`2`rqr; q fC938d919p f Z1 Rq9P69h+@c%0Pr P#d m6`B9!  r9! c% C f c6rrH `X>"9 4@c|r18;* a>@T)8q|8叐)1Ɏ@6 T1` endstream endobj 9 0 obj <>/Filter/CCITTFaxDecode/Height 200/Length 2875/Name/im4/Subtype/Image/Type/XObject/Width 2536>>stream &< / :nAw >@q9Qlr9 @\B ,PW!qȣ * cAIC  (9 ɎClr[AI@|6 Ë#Ar9 G & D"9&87p9 @n9C<5 P>@NA܂4a7@G 0@ qXAad@ 9#G\ 0709 k  5 c< 5@r2q@ [|D9r 9H+Xr8 9 Q r)VQC< fcal8)VDTG!mr n@pj٩Al! AlH`9(\q 1dH2r`9@r4EG 9P4"C% Tr.9(eP2C@ Hr0$ w| Ð< 9h5# rG!>C,r|"+;#H$ hr99 V2Al8 Cq #C$  6Gh42Ch `܎4QjAl K h[1!Z*@rA CHr.9P+4r r `9d@ `q,@j@c6P1d@2,r܁9h@@ NC"r9 xk@90d` A rC\r"Al>C N8@q@&@ ->A@C%d@ CP d0 9Ad r n8C)c 9aY!-2 Ad `8 &29q @f#6` q3 AqH8C@8 a90 h 3@ r 9@>AHr@ A\rrdC,r@ r ! C[ x09 ei@ 3868@ Ð3 X@>@G w!C0820P9 a9@Y JmC$ J>Adrh @C`21dc% D8@H6< \qX>C$G j>">@ M 03Ȏ@َ@ Ð6Xq9C&q ~@TDG"ALr|`2PqȣDr.>@r`| jCX9h+D @TP>AXr? h|D xe@ 4 $ȇ MAAq9G q9c)>@X5G@Gdc4 >Dq\r>">@0a>APr`n>#[g xn9P>#4dX|84 x22C@2q \|~  endstream endobj 12 0 obj <>stream application/pdf 鶹ý Trade Commission Supplemental Request for Staff Opinion from Vincent M. Amberly - February 27, 1997 1997-10-14T12:27:16 plbb102.tmp 2015-04-22T12:56:16-04:00 2015-04-22T12:56:16-04:00 Acrobat PDFWriter 2.01 for Windows uuid:c614c979-9af7-4536-98a0-5003ac4022c0 uuid:18b95705-855d-4e46-9a72-c0956c106e26 endstream endobj 26 0 obj <>/Metadata 12 0 R/Pages 23 0 R/StructTreeRoot 64 0 R/Type/Catalog>> endobj 37 0 obj <>/Filter/CCITTFaxDecode/Height 192/Length 2258/Name/im1/Subtype/Image/Type/XObject/Width 2544>>stream &< A(#rܣXo2* dG & f)`r,sC6/ b@@5md97 xeErr@ P 6md@ark<# @ɵ @C @qk$2\r<r#\qЭ!dH8>@F9ϱaC@`r`:R(2V[9v@ !3@ An9 A219ېm|4 d@hr!rc -8an>>@ [Y!c4Al 908#6fHkN [@eA2mdK fr hq xAdP <" =@jH 09dr 8rdC G rrr8 Ag! 5 9 r )d2Prr cSqDr6(! [r L9`,$GerK6Hhp5p#G`2 ,@r:4Dy :Dqy!B!c[ '!cQ8 G;ȃ2Tre@.9C@7@@c@P9 L-P @ sqHPq<5G hc:# (r(G m |9 7H !C  9@,G! Hrqq2Cqd@2EHe@C P 9a@WDrPX$9 j nC$P lC` r lr #&h r`m h -2qQ `c58 a9X3AlGG9@ #2@`r q J)A@ p9rT, Elxo x4@"9 XqHr>C 6!9qC\qDrAAA 9 У48PA`rCaTrp |hLq qdVL #090*!9 +rP5AlɎ9 f #C 2*@95! x5Ar`خ# @|F:Dr a8" 6 H r0r(#9(@fD 2Xr|6 J! |9hAh|H`r@G x@c9\@>q r C-8b@c @r p9rC@xm@qr r + xj9 !GAl(!G d "rT9!hqr! r0! x 8#ACA|r  G 0G p<5 `N8a |G9>C$2!w l|G!>C$5i9 a qC$ P9d9Y8A |G@k>?  endstream endobj 38 0 obj <>/Filter/CCITTFaxDecode/Height 238/Length 1877/Name/im2/Subtype/Image/Type/XObject/Width 579>>stream &h tz}o~{}oooݽnm}om۽@ m۽v7w8_6] A 9$9( xmY?i0N T7AMf "9X=M'DWNЇ{~6 + -i獦­ n|U?ia MӤkpTw7Gm-a%__Om/6}6>m]tr ;9kpJۿ!o_/6/o M[x?O;Ai=Aj&jeCaPzMb$?pO IkWA=-pv0@oFb1Oy߭mY57 =Ş OAa "8auAE|>}ݵR:aޛ. cÆ;^ 6ҫrjQ mnal7wme Bd  46rnm۱a8xa mMmmam۶0̟mp۰ݶnl6ՑPζ0l0[n7h3۷*blwo{oemc Um:ݰjÆmpnaamö)5L0l[n۶:ðl;aa 7aݶn dHsaoa [wmnx6Ŷnavmma;ll7abl]a6ݰa۶Aool0Æfia4 7o .۶ai{ooa aL6ml4m=mmv v{{n-mSmwmnl]{mMnl7m{`l۳5vlmoD%[a!a0 x mnû{bN vaamNl6ۋm[ 6v۰mmml;v݇6mὶaman`۶݆ 8l;m{ݼw}mmmۆl6mmnwmnvvmnmml6{?{oa۸ml6=qݰöûv|0Abmm )v=amݶn{i m6P6wm)m noF<nvᇻlml{ANao ` ᷇m 1p`a0amlD6ݽnm}ima v mᇆaۃۆmpð a۷`!0nv6vq~۶l4 0}}aP endstream endobj 65 0 obj <>/CM2<>/CM3<>/CM4<>/CM5<>/CM6<>/CM7<>>> endobj 67 0 obj <> endobj 97 0 obj <> endobj 99 0 obj <>stream /Artifact <>BDC 0 0 0 rg 136.8 947.28 303.84 0.72 re f 136.56 918.96 58.8 0.72 re f 136.08 862.32 110.16 0.72 re f 134.88 694.56 327.12 0.96 re f 134.4 666.72 59.04 0.72 re f 134.16 610.8 107.76 0.72 re f q 54.96 0 0 -6.96 18.96 1019.76 cm BI /W 229 /H 29 /BPC 1 /CS /G /D [1 0] ID x@||>>||888 EI Q BT /T1_0 1 Tf -0.0005 Tc 3 Tr 43.4169 0 0 8.8767 18.96 1013.04 Tm (H,!)Tj /T1_1 1 Tf -0.0044 Tc 11.2656 0 0 11.754 137.04 920.88 Tm (Backmound:)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 426.575 906.9595 Tm ( )Tj -0.0036 Tc 0 Tw 11.2656 0 0 11.754 432.96 906.96 Tm (NFCC)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 342.8384 850.558 Tm ( )Tj ET q 39.6 0 0 -8.88 347.28 859.44 cm BI /W 165 /H 37 /BPC 1 /CS /G /D [1 0] ID ?? >>|8~|x|x|x|||||??|?~|?~|>?~>>>p~?p|?|?? || | |` | 0|8 ||<|8|><?8x>?>~s EI Q BT /T1_1 1 Tf -0.0015 Tc 0 Tw 11.2656 0 0 11.754 347.28 850.56 Tm (NFCC\222S)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 520.6275 780.2375 Tm ( )Tj 0.0083 Tc 0 Tw 8.4492 0 0 11.754 526.32 780.24 Tm (1,)Tj 0.005 Tc 10.7964 0 0 11.754 134.88 668.4 Tm (Backw-ound:)Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 318.8556 640.319 Tm ( )Tj 0.0001 Tc 0 Tw 0.356 0 Td (NFCC)Tj 0 Tc -0.0051 Tw -6.579 -2.348 Td ( )Tj /T1_2 1 Tf 11.061 -1.205 Td ( )Tj -0.0006 Tc 0 Tw 0.48 0 Td (\(\223DMP\224\))Tj /T1_1 1 Tf -0.0003 Tc 5.86 -9.515 Td (fort\))Tj ET EMC BT /Span <>BDC /T1_2 1 Tf 0.0119 Tc 0 Tr 9.9192 0 0 11.754 101.04 948.96 Tm (2. )Tj EMC /StyleSpan <>BDC /T1_1 1 Tf -0.0011 Tc 0.1798 Tw 11.754 0 0 11.754 137.28 949.2 Tm (MODEL MEMBER AGENCY DUAL ROLE DISCLOSURE)Tj EMC ET /Figure <>BDC q 60.72 0 0 -9.6 137.04 929.52 cm BI /W 253 /H 40 /BPC 1 /CS /G /D [1 0] ID ppp``|??<?|~????|>>>xĴĴx<x8x>x?<|||>8><x||<<<x<|<x<x|<<x<x|<><x|x<<x|x><x|x<>8<p0p><|<>x<||>8x|>p8|~||?8?p@>p>?>~? > EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0048 Tc 0.121 Tw 11.754 0 0 11.754 197.76 920.88 Tm ( As an additional quality assurance effort, a model dual role disclosure\ for )Tj 0.0061 Tc 0.2582 Tw -8.27 -1.184 Td (all pote)Tj EMC /StyleSpan <>BDC (ntial DMP )Tj EMC /P <>BDC (clients is being proposed for adoption as an)Tj EMC ET /Figure <>BDC q 30.48 0 0 -8.4 432.96 915.6 cm BI /W 127 /H 35 /BPC 1 /CS /G /D [1 0] ID @ ?<8|0 xx xxx>x>x~x~>x|?|x|>||?|?|?||?x|?x|x>?>~x>x 808px<px|??<? EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.005 Tc 0.2961 Tw 11.754 0 0 11.754 463.44 906.96 Tm ( Policy. This model )Tj 0.0055 Tc 0.0914 Tw -30.854 -1.205 Td (disclosure has been approved by the FTC. )Tj EMC /StyleSpan <>BDC 0.0041 Tc 0.2358 Tw 3.042 -2.409 Td (Recommended Action)Tj EMC /P <>BDC (: That in any materials for consumers, which discuss DMPs, a )Tj 0.0058 Tc 0.0962 Tw -3.104 -1.184 Td (disclosure should be made of the dual role which)Tj 0.005 Tc 0.1055 Tw 24.401 0 Td ( members serve in responding to the )Tj 0.0043 Tc 0.2088 Tw -24.422 -1.205 Td (needs of consumers and creditors when setting up a DMP. An appropriate d\ isclosure would )Tj 0.0069 Tc 0.039 Tw 0.02 -1.205 Td (include the following: )Tj /T1_2 1 Tf 0.0022 Tc 0.0896 Tw 9.536 0.041 Td (\223Our DMPs serve the dual role of helping you repay your debts and )Tj 0.0027 Tc 0.1351 Tw -9.556 -1.225 Td (creditors to receive the money owed them\224. )Tj EMC /P <>BDC /T1_1 1 Tf 0.0051 Tc 0.2143 Tw 3.022 -2.389 Td (The effective date for all members to implement the above policies is Ju\ ne)Tj EMC ET /Figure <>BDC q 6.72 0 0 -10.08 526.32 788.88 cm BI /W 28 /H 42 /BPC 1 /CS /G /D [1 0] ID ` p?? EI Q EMC BT /Span <>BDC /T1_1 1 Tf 0.0072 Tc 0.2122 Tw 11.754 0 0 11.754 533.04 780.24 Tm ( 1997. )Tj EMC /LI <>BDC 0.0049 Tc 0.235 Tw -36.898 -1.184 Td (However, if a member has existing materials which do not presently incor\ porate the above )Tj 0.0053 Tc 0.2156 Tw -0.02 -1.184 Td (disclosures, a member may have until September 30, 1997 during which to \ use up existing )Tj 0.0046 Tc 0.0596 Tw 0 -1.205 TD (inventory. After September 30, 1997, all members must use the above disc\ losures on all of their )Tj 0.0038 Tc 0.0983 Tw -0.02 -1.184 Td (materials as set forth above. )Tj EMC /Span <>BDC 0.0144 Tc 0 Tw 9.858 0 0 11.754 98.88 696.24 Tm (3. )Tj EMC /StyleSpan <>BDC -0.0015 Tc 0.1843 Tw 11.754 0 0 11.754 135.12 696.48 Tm (MODEL MEMBER AGENCY DMP DURATION DISCLOSURE)Tj EMC ET /Figure <>BDC q 60.96 0 0 -9.36 134.88 676.8 cm BI /W 254 /H 39 /BPC 1 /CS /G /D [1 0] ID 00xz|x?????|~~?|>Ĵ>>x><~>x>><|<`>~<<>|><>>>><>>><|>|><x>|~<x>|~<>||<>><|<>xp?><>>x8?Ĵ~?<8?||?x<<|><??~>@x`>> EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0057 Tc 0.1451 Tw 11.754 0 0 11.754 195.84 668.4 Tm ( The NFCC Board adopted a model DMP duration disclosure guideline at )Tj 0.0606 Tw -8.29 -1.205 Td (the September 1996 meeting. The model duration disclosure has been appro\ ved by the FTC and )Tj 0.0061 Tc 0.0908 Tw 0 -1.184 TD (should now be considered for adoption as an)Tj EMC ET /Figure <>BDC q 30.72 0 0 -8.64 323.04 648.96 cm BI /W 128 /H 36 /BPC 1 /CS /G /D [1 0] ID @0???~x><<~>>>>>>>>??>?>???????????????<<<| |<|<><|<<|~? x EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0044 Tc 0.1129 Tw 11.754 0 0 11.754 353.7611 640.32 Tm ( Policy. )Tj EMC /StyleSpan <>BDC 0.0058 Tc 0.1115 Tw -18.663 -2.348 Td (Recommended Action)Tj EMC /P <>BDC (: )Tj /T1_2 1 Tf 0.003 Tc 0.0736 Tw 9.842 0 Td (Adoption of a policy requiring that member agencies provide )Tj 0.0027 Tc 0.1989 Tw -12.925 -1.205 Td (to each client enrolling in a Debt Management Plan)Tj EMC ET /Figure <>BDC q 47.76 0 0 -10.8 381.36 607.2 cm BI /W 199 /H 45 /BPC 1 /CS /G /D [1 0] ID <8x<t???<?||~?~~~p~0p88x?8<?x?8<x?<|?|??|??~????8~~?>8w EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0031 Tc 0.1714 Tw 11.754 0 0 11.754 429.1217 598.56 Tm ( a reliable estimate of the )Tj 0.0011 Tc 0.0895 Tw -28.158 -1.184 Td (length of time it will take to complete the DMP. This estimate must be p\ rovided in writing )Tj 0.0007 Tc 0.0675 Tw 0.02 -1.184 Td (and identify: all the client\222s debts that are included in the plan; t\ he total debt owed to each )Tj 0.001 Tc 0.0897 Tw -0.041 -1.184 Td (creditor; the proposed payment to each creditor; and the anticipated num\ ber of months to )Tj 0.1342 Tw 0 -1.205 TD (liquidate the debt. This estimate must be provided prior to the receipt \ of the client\222s first )Tj 0.0018 Tc 0.0493 Tw 0 -1.184 TD (deposit to the agency. )Tj /T1_3 1 Tf -0.0048 Tc 0.0162 Tw 8.8767 0 0 8.8767 212.4 528.72 Tm (Where )Tj /T1_1 1 Tf 0.0038 Tc 0.1136 Tw 11.754 0 0 11.754 245.04 528.72 Tm (feasible, member agencies should use computer software systems )Tj 0.0054 Tc 0.0642 Tw -12.537 -1.164 Td (to provide an accurate estimate based on a creditor-by-creditor breakdow\ n of continuing interest )Tj 0.0046 Tc 0.0675 Tw 0.02 -1.205 Td (charges. Agencies that are not able to incorporate such software systems\ must provide a reliable )Tj 0.0053 Tc 0.0304 Tw 0 -1.205 TD (estimate and also advise consumers that the DMP could take as many as )Tj EMC ET /Figure <>BDC q 21.6 0 0 -11.04 450.24 495.6 cm BI /W 90 /H 46 /BPC 1 /CS /G /D [1 0] ID >???p8>0 ??x?|?<?><?~>Ĵ>Ĵ>Ĵ?Ĵ?Ĵ>Ĵ><~>~>???~  EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0036 Tc 0.027 Tw 11.754 0 0 11.754 475.0801 486.72 Tm (-eight \(48\) or sixty )Tj EMC /Span <>BDC 0.0048 Tc 0.1151 Tw -32.089 -1.164 Td (\(60\))Tj EMC /Span <>BDC ( months \(as relevant\) to pay out or complete. )Tj EMC /P <>BDC 0.005 Tc 0.1044 Tw 3.104 -2.389 Td (The effective date for all members to implement this policy is June 1, 1\ 997. )Tj EMC ET /Artifact <<>>BDC q 608.64 0 0 -48 0 60 cm /Im0 Do Q EMC endstream endobj 100 0 obj <>stream H\An0E{ށA!m xdEnIRQ-/r@G1l~ɝ"!- 2D[7nhrIvh~izm^}>ⱷ>!/6Ͽ"á,<~w;Jˁu.$/AtFdoMnjϹ_!=Qd"(4^% a-EiCI- 9E  Nl8a,ʎ\'|WG9J`Nj`Nն(U9\QxQ/.FxQ*K&xQME+9U9:K8??cbN31RQ~x21C <#ħ? 3. endstream endobj 101 0 obj <> endobj 102 0 obj <>stream H\͎0y/[UU|@b tâ?*mvP!BX&L(|#tcͦ1 fv}mO!st}gbd6cQçۜǾ~_?m^_5>}^G)/ytǗtMlaYxڌߚk2~2a66!MMIڃٷH}o6˙s7'x6Nlx"xR`KU`GS" j@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UTb_qQY2C&PceI8 jʒ𲃲$D@Y;ʪ5HXdH8t#a@7y' ܃n$Wgs >j6U}*~m[_Qg/UGX/)K(GKa9^~-k9JrRg/u^:JgNp{P>Myɐ)mS&_c endstream endobj 103 0 obj [1/space] endobj 104 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 105 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 137 0 obj <> endobj 138 0 obj <>stream /Artifact <>BDC 0 0 0 rg 205.44 915.84 223.44 0.72 re f 118.08 874.08 290.88 0.72 re f 118.08 845.04 58.32 0.96 re f 117.12 775.44 108.48 0.72 re f 116.4 594 97.92 0.72 re f BT /T1_0 1 Tf 3 Tr 10.3661 0 0 22.7723 2.88 993.12 Tm (I)Tj /T1_1 1 Tf 0.0001 Tc 11.754 0 0 11.754 222.48 833.28 Tm (NFCC)Tj /T1_2 1 Tf 0 Tc -0.0051 Tw 12.101 -9.536 Td ( )Tj -0.0011 Tc 0 Tw 0.64 0 Td (\(\223DMP\224\).)Tj 0.004 Tc 8.5668 0 0 11.754 152.88 665.04 Tm (\(15\222%0\))Tj 0 Tc -0.0051 Tw 11.754 0 0 11.754 213.7964 595.9175 Tm ( )Tj /T1_1 1 Tf 0.004 Tc 0 Tw 6.5712 0 0 11.754 86.16 581.76 Tm (15\222?40\))Tj ET EMC /Figure <>BDC q 2.88 0 0 -20.16 2.88 1009.44 cm BI /W 12 /H 84 /BPC 1 /CS /G /D [1 0] ID @@` EI Q EMC BT /P <>BDC /T1_2 1 Tf -0.0014 Tc 0.2549 Tw 0 Tr 11.754 0 0 11.754 175.68 931.92 Tm (PROPOSED MEMBER ELIGIBILITY STANDARDS\001 )Tj EMC /StyleSpan <>BDC -0.004 Tc 0.3563 Tw 2.593 -1.205 Td (UNIFORM CONSUMER DISCLOSURES\001 )Tj EMC /Span <>BDC /T1_1 1 Tf 0.0225 Tc 0 Tw 8.4492 0 0 11.754 83.52 875.76 Tm (1. )Tj EMC /StyleSpan <>BDC -0.0019 Tc 0.2572 Tw 11.754 0 0 11.754 118.32 875.52 Tm (MODEL MEMBER AGENCY FUNDING DISCLOSURE )Tj EMC /StyleSpan <>BDC 0.0143 Tc 0 Tw 11.2656 0 0 11.754 118.32 847.2 Tm (Background)Tj EMC /P <>BDC (: )Tj 0.0057 Tc 0.343 Tw 11.754 0 0 11.754 193.2 847.2 Tm (At the September 1996 annual Board meeting, the following model )Tj 0.0051 Tc -0.0062 Tw -9.454 -1.184 Td (disclosure was adopted as an )Tj EMC ET /Figure <>BDC q 30.72 0 0 -8.64 222.48 841.92 cm BI /W 128 /H 36 /BPC 1 /CS /G /D [1 0] ID ?? ??><<|||||||??|??|?~|?|????|?|?|??|?| ||| | |<|<|<|>?x|~?? EI Q EMC BT /P <>BDC /T1_1 1 Tf 0.0068 Tc 0.0016 Tw 11.754 0 0 11.754 256.1795 833.28 Tm (guideline so that member agencies could adopt the guidelines )Tj 0.0045 Tc 0.1333 Tw -14.792 -1.164 Td (for use during a trial period. )Tj 0.0054 Tc 0.1641 Tw 12.946 -0.02 Td (This model disclosure has been approved by the 鶹ý Trade )Tj 0.0048 Tc 0.1074 Tw -12.966 -1.205 Td (Commission \(\223FTC\224\) and should now be considered for adoption as \ an NFCC Policy. )Tj EMC /StyleSpan <>BDC 0.0063 Tc 0.124 Tw 3.022 -2.369 Td (Recommended Action)Tj EMC /P <>BDC (: That the following disclosure and explanation is proposed to be )Tj 0.0058 Tc 0.107 Tw -3.083 -1.184 Td (made in writing to all clients counseled by member agencies: )Tj EMC /P <>BDC /T1_3 1 Tf 0.0002 Tc 0.0055 Tw 9.835 0 0 9.835 153.84 735.84 Tm (\223Most )Tj /T1_2 1 Tf 0.0018 Tc 0.0543 Tw 11.754 0 0 11.754 186.72 735.84 Tm (of our funding comes from voluntary contributions from creditors who )Tj 0.0017 Tc 0.3608 Tw -2.859 -1.246 Td (participate in Debt Management Plans)Tj 0.0023 Tc 0.258 Tw 23.053 0 Td ( Since creditors have a )Tj 0.0021 Tc 0.1306 Tw -23.074 -1.164 Td (financial interest in getting paid, most are willing to make a contribut\ ion to )Tj 0.0013 Tc 0.3408 Tw 0.02 -1.205 Td (help fund our agency. )Tj 0.0025 Tc 0.3633 Tw 11.557 0.02 Td (These contributions are usually calculated as a )Tj 0.0011 Tc 0.0755 Tw -11.578 -1.246 Td (percentage of payments you make through your DMP -- up to fifteen percen\ t)Tj EMC ET /Figure <>BDC q 51.84 0 0 -10.8 372.24 729.84 cm BI /W 216 /H 45 /BPC 1 /CS /G /D [1 0] ID <xx|>????8?? ~~~>???????|????????p?8?8?8?8??ij?<?|?>Ĵ??>Ĵ??~~>?>????<?~ EI Q EMC /Figure <>BDC q 31.2 0 0 -10.56 152.88 673.44 cm BI /W 130 /H 44 /BPC 1 /CS /G /D [1 0] ID  x||@~?>??>??????8~?Ĵ<|??~<|?>>?>>~|?Ĵ?Ĵ?Ĵ?Ĵ?Ĵ?>?>???>><8>>> EI Q EMC BT /P <>BDC /T1_2 1 Tf 0.0026 Tc 0.0596 Tw 11.754 0 0 11.754 184.08 665.04 Tm ( of each payment received. However, your accounts with your creditors )Tj 0.0017 Tc 0.0935 Tw -2.695 -1.143 Td (will always be credited with one hundred percent \(100\260/0\) of the am\ ount you )Tj 0.0024 Tc 0.3498 Tw 0.02 -1.225 Td (pay through us and we will work with all your creditors regardless of )Tj 0.001 Tc 0.1062 Tw -0.041 -1.143 Td (whether they contribute to our agency. \224 )Tj EMC /StyleSpan <>BDC 0.0013 Tc 0.2182 Tw -3.022 -2.369 Td (Official Comment: )Tj EMC /P <>BDC /T1_1 1 Tf 0.0042 Tc 0.1261 Tw 8.76 0 Td (If an NFCC member agency does not request a full fifteen percent )Tj 0 Tc 0.0146 Tw 10.3272 0 0 11.754 80.4 581.76 Tm (\( )Tj EMC ET /Figure <>BDC q 21.36 0 0 -10.56 86.16 590.4 cm BI /W 101 /H 44 /BPC 1 /CS /G /D [1 0] ID 08??xx8?~??x8`pp8?p8?8p> EI Q EMC BT /Span <>BDC /T1_4 1 Tf 0.0011 Tc 0.0873 Tw 10.1892 0 0 11.754 111.3007 581.76 Tm (fair share contribution from any creditor, then that agency may replace \ the fifteen percent )Tj EMC /P <>BDC /T1_5 1 Tf -0.0022 Tc 0.0136 Tw 8.8767 0 0 8.8767 80.4 567.84 Tm (\(15\222%0\) )Tj /T1_1 1 Tf 0.0056 Tc 0.033 Tw 11.754 0 0 11.754 118.32 567.84 Tm (in the above disclosure with the highest percentage that it does request\ from any creditor. )Tj 0.0039 Tc 0.056 Tw -3.247 -1.164 Td (In those cases where an agency will request a maximum fair share percent\ age of less than fifteen )Tj 0.0052 Tc 0.0261 Tw 0 -1.266 TD (percent \(15%\), the agency must submit to NFCC an annual certification \ adopted by the member\222s )Tj 0.005 Tc 0.1436 Tw 0.02 -1.103 Td (local Board that verifies the member\222s disclosure. In addition, if an\ agency does not receive a )Tj 0.0049 Tc 0.0563 Tw 0 -1.205 TD (majority of its funding from DMP contributions, the lead in phrase \223m\ ost of\224 can be replaced by )Tj 0.0048 Tc 0.1398 Tw 0.041 -1.164 Td (\223some of\222, as long as accurate and not misleading to prospective c\ lients. In those cases where )Tj 0.0052 Tc 0.0917 Tw -0.02 -1.184 Td (an agency will use the phrase \223some of\222 as a lead in phrase to the\ above disclosure, the agency )Tj 0.0577 Tw -0.02 -1.205 Td (must submit to NFCC an authorized certification of its Board that the di\ sclosure used is accurate )Tj 0.0037 Tc 0.0932 Tw 0 -1.184 TD (and correct. )Tj EMC /P <>BDC 0.0059 Tc 0.142 Tw 3.104 -2.389 Td (The above model member agency funding disclosure must be included in all\ brochures )Tj 0.005 Tc 0.0239 Tw -3.083 -1.205 Td (and printed promotional materials involving DMPs that an NFCC member pro\ vides to consumers, )Tj 0.0055 Tc 0.2007 Tw 0.02 -1.225 Td (including any contracts or agreements that are filled out and/or signed \ by consumers, and in )Tj 0.0044 Tc 0.147 Tw -0.02 -1.143 Td (response to any inquiry concerning how NFCC\222s members are funded. )Tj EMC ET /Artifact <<>>BDC q 610.56 0 0 -42.24 0 43.68 cm /Im0 Do Q EMC endstream endobj 139 0 obj <>stream Ht ǭ@6GrI/9t[m1ଵklGU޾c*#xr,it0ˮ>xK.6\(ws vUn>߯sNeӈ9/^tO1g־~~?҇NTߒCU6MoamR19W;=!rNJҍ>\'BDcA6]w!:(EP2& .FY*a m6(J'Dl=v;p@QqNX˿cKĖ0^I̩" "xv9Z^ynxQ"K&xQME+99:K8-??cbNs>RF~9xF1} 4N#ć? _r endstream endobj 140 0 obj <>stream Ht0ywUU)n Nd*޾*LY_h~\? RZW{1SU:!h۪s7{|y~}z|U9:pot%$./_f.^ٕcB|D;:фZ-w]gMJO/[j=Z' EKcZ$4f E*SNx5:l39Ej  N8a ʆAXˉ5aEy'\Sm JEDr ^V^T ^TxSxBEENnʨOϘԿŘf_ QL3DTՇ? :Mz endstream endobj 141 0 obj <>stream H\͎0y/gTU1%Ģ3J}p (J ӫYp>ۑeߵ}84mW1.3udTCÇ/v?u_×x6T>}4ulXDZN~Y6 xdn^xZ ߪK4ɺ1/:^*ıN1Z3ۦe߭j>slDSpNJ''k6 BTx*J#Q@ j"AT!hPPPPPPPPPPPPPPPPGh9\pֹJp %qAYΦ '@Y^vPD (K"cC@Ye1ޣ  gWn$,6F"t#a{Ѝl.aQG楪[/mKK9 \#%^~.Wp_ʁR={*/hݳDz>98\8ߦTcb2,evqJ]|C?I,OPg endstream endobj 143 0 obj <> endobj 145 0 obj <> endobj 147 0 obj <> endobj 148 0 obj <> endobj 149 0 obj <> endobj 151 0 obj <> endobj 153 0 obj <> endobj 155 0 obj <> endobj 157 0 obj <> endobj 158 0 obj <> endobj 160 0 obj <> endobj 161 0 obj <> endobj 162 0 obj <> endobj 163 0 obj <>stream HW[> E1S~J0%XV"{pn. ,c!c 5RƐ}>8άѰu5ss?[ٓIɲkK8Ckwֺ;WdQw,N:nڹ {?ſVwעսqԽ^ɣ-ZI_[IwF8J߯4&J:|Zr?BmsQCdi殚lS-ʩ(A9QdQ*=i ʶS=k%Jm/>vHI#) "M( ކMfZ篭:B%=T<ЙfL!{KD9'Kmmf#y ,ZAu2D%ަ2(VMO=,)e~X.?j)p%Jsƿ]:x푄~kfI135 (="[2j^^ 7ӴNpszx膛I}kn7(4W竼+.SVW\QnLgV]OӦ=%m9e3YQ@=+Qz󔯈@4#&+|r  -xI7ȣyT5 {$ny,˃Ȕ][Qaj–Rہ!WZ/h@BDXhΚG|d׎tݟ{s6Kq4HİIİpk` 0䰟]qIM=7ΐ>׉<ŵv>yq<ǘ%=I̬9I ӮMOCќ_gᓽ@VYv0aHJ<[(s2mDib״ImPRk(c:y x`g-e|9"^9G{hsl;;h 0JV[9j , PY4>^BhrykHxƙ %BSP"&XO'_}CJǜ|%۽yeCѺp LceY׿ 8뽃xlJXhO)-9VViKٓ|̓PYlEi ,a&eH )U֨uP̳$5[=q$Jɰb-P`ˍ9R6ɹmB"6zZ.Ci8HCch3:heZ{ۍVQ*W.a|/^:֪Z ;DWU-D^ZlcZyBЀ~֜?Ҷ4M-p49gD]ψ+|6Nk4Zl/maakIU=B[W6D{7r<|OK"`o׌Dfjo:#Qjw\q9r}뷅B#;+{:) -xxYk6Q|8NMlh RZɻnieYғ}ikƫ]AQfZB<eXb6aR/kH6an>%-q,^tykذo/ʵY}:20귺d9q47@~ ˕"%B2rXFqi:1]7Ҡ %xT^E'K-LfE㝫MJGFK] {@hU>n=\+/ Y+"PPuzu;M…PƼ6ƐʐWK&, yed2A>n yEipL>4ojδg/]&S8Z핐";G'2 =՞;iRj keCɡś$+  1qF 0Sb@D K/G\2[ȵO0$7X,+ʰ27L-wraVnk4ݳT`T'?=zzP"X)]QN!i;'j#~;(|P^Wn䂁]reF~prӍt(ZUua)dm|ۭA[6:þqz_|0vQ౓Pwh! .*݅b3()COR1#cL"#ܫ(85HY:HW8h$-v$ &Fq&jŔg3ND a2!}iB2Yc9 N8*@+ PZ,-Ёs%FNl,ZgeV`[= 3g!7aAvM #!c%UHczKV-I=CnN޵nPy Ŀ)Ia/1 xUly%Zaz0.rKUdN JZlAndzvŵʾsL׸ΊqpCζ_|vwJ@:Ƒ{C7UZ'>?~rӓ:1 dF.c'h& {YAf9l@\ J|yBA;dwqomg,|;j VS4 j [P !B#H&0[  *bB2 TT5hh֔m:T& }*!%o+,=h ,1$P!- 2H#Hx6 QHzDyI3K=t+ՖnT^cEvl0l)2 reM9C4Db`4r]NeaMK_鳿|u麴mz:Pީp?&W/ەJ`,-ŗO|ZAu?2Nnޤ'P0C۰E {\}h~ώUBQ -dww*j _v/wIQ)O+&C׈{79yr:舢Ҝa`GLW[( j Ln?E#o ԁQ ሀP |0 y/ J?{;RkDN&qjqbpFXZ,k IOQ0h1%3s Ai>|QhY386hY<ޥf>ʸjS  c'[m)6;0K^ڜ9{/!yu<&)_5q$Un%.F< ]Fxq2M8%J+7K"Or??6s !7{94^UwOy%$ޯz{JcQ`O%R:ܐZ> |l}hEaU7-!]\S Qa%F:NDbP􎰋)7ث)4L >/ᒤϷ#϶Ѳ۴DՄ2oz7"]hȰҷɳ߳ܦިs}-ۜ($?ѳ.߁77?;#N|ɰ78˲?R F -9ik<"P 2*@ЦWLiH 9Y^ \fFQLȀ6-^H T,]yI ?^egZȧRڠ^v|;? 5s{ɚ. { ~daRU|buB YY;jLK f(YLZ' )@Gf 3Cj@˾]R@w7AѨC!Nt12f Q=RoE(GJ+F$ܚR}O SSj934dHAA0}JbO4G2,!ңFk1AC2L ECDs !W¿C(#@* HCz FD/nMțAqb&Kp GAR-[X 1L%OįE0+K)ŘNJr! i[B ]Yx. *dQ@F@0#UiA j l&H] >Q" hщi_aKN&qHWE;|-:II );Ƌ+T6A;Jah9ePKe}J4"st"TEA"(ckG<YyY:58jK)F)Q>0\BSikD"Z%mPeAj*8 RQE`hQBXh^ 2!'$IW0!m}hhQ,3Q[Bpl%m!Ȼ[>7U%13m<a9ن.Y̚> g*9b dw=7ݝ!|wo+ynW) 뫘Lᚁ%]/ioM<й4烵^~ur'DUp7F` ]s|Iܱ6`9Z@-=qFF{hݝdҮI~ "SV &Nvy't˭79o)yKWrK4Vo)… /5׻+zkS%Zū4q%HJ8V*jOL<xڶçB l]1S ˽<(E+wwTZn'Iv~zqG$'ݝ' _۲)iS4ѕydwgJ06/ߧ"p%wse)4Р,b֨2ȝ\X9%?HwGUsy$wvxŁ˲lys3<)SΠ{ SDSFQgG^Oٸ}ֹ̓O~G/gͪDU"J.<4*E)jΨEU3Z }OYOlpL=[;*CnDzghS @ϳD|U6vE e=i0E'ªMȒ[FFO邃,?(d-pzD>8; #VH&QPPC朇O a>~{Tّǩ0QYdd2eFK,Я0UΜ49g3#z&~yC'>J3?E3LOKP6y2\" :(Z}/*/o~Lњ!yfRv\eH}{j*5+v=5[8e2ki}?wFsGkM6mHQk=`D` ݪo wY?:'lp~jڝVT,*+e EJ@kK_.:n݅۟֋죦AsϺ @;n턆Ǫstt9$YM%TbDHh8`W/#"310Y&ēPr|,99L=Sz lC,N Zlb}-rn}/dZ䋄n8K^W7&T4a霾Dg(BVeo5A;^˩ղmyӹ$LWss@Le 7h?'b|j#aF NM - Qj_cCl9;PKrvaﰓKBfl}6}C6Glv(8XdӮy',(=XƱeY;)eJr<%JWv@2{3*>+3 ;ȰY(g#$eXz=||݀ڥj+щU_28۪*Vz`J^Pa(r[j 鹋#;GR|iiK|*ZR~W{ݕݑBhة/Κig/ӟX5x*alu'XD7X[ӡE_Y 3+Rf֭n'ovsz@Pt$]`o^Hf=5]w,; xm}1XwI^I _Anu:ߪX"hP]ȶ)75jt7իjZ5dOd5B rTAslEB- T32qB܈zCBCY# 0@$rF4SBv 3SKQt/xvĤB!.C#EzYL´-W}d @2QHbw(b7Bzt%V!C#DZ([2U2I>(bkj5ۜFBa"CZz$Cl`dho*=PB)UB^B 29_#Lh֦0<2ң UhF l"[D wSReXJPHg"_BZhj6Br-ز7 y`DB<bFyBn|x<~ys4ڒҝf<ԕIdSc2Y(NbEYXYJzԈY%;a] !x`{;u˳u+f 2xgomd%[gYoiXU]K(h@|n:kph:lȋ8$ٍ<9yN&j&eY=])xX+;N[3dS3lKnm{5vV51ZxZGf^0a>R]^l0OJ ZVR @^jH9ğ}(6pߝl0,璻XMrcI7ͲU4ٜu.\(;H%W҂ JkUP=BRQ:/iIPUkxBG5C ӿE耴C>s.By4t17Rm8M[w )t!kSěDu(ZuH=?ZKLSElh'8bGF\D\ !C[xB"t/(7_9zLڦCJ5͆&\wm`b};:CrŮ:tnFiI)O`+Hت"Nզ,Ud ;sw5,BY7Z=J\lVlg?vGnn$h搠A}H$::Bʖ<Ԛ]e@S|L{R{v,FQ+~YSt +H$K B@Bs8 S|^0ό)"'1, #EYp"4\"A5FI M Jp&bzc3蔤3cnE*~[8`alz(0ܭ P#cnfE[ɇP"&@$0NHD>D9pOX9ڑ hj{ǁgq"KS GԯG =!higQYKH@XZ=f_! I[^.mb3aE iF6b-DF\ڳ" Y22a ZDXe>6276!ON˴ǿS#7=8>B٩(ñ=rѣḿT06SU/ xFw<}g}hǝ`Yoe.ߟzWo'[*K{F^|GFpeQ1XfH?Detse2 jrOm𘘆ғ)!E<~:i3~ڨeAD$ِ " DEϾ5^Vgi UAʌ D{3(/Ty J !x C0KlD9Mh[In.,)eLoRl4ຜ4U`t7|bsoow?1lԩ1-dՌB 6`K! endstream endobj 164 0 obj <>stream H\n0 z[ %ILa%Hr` 9 'R'iY6it0~>xK.c8 Qh#]$\|᲏(N4uN՞<쿫{C/CI޽?ntgve񗝞%ߍԥ%7p SQ;N迬U9mA|/m`1`u@/2 a- Ai`-}-238c[6 ǒAqƚ~:9(0osR s-D^^@^xq0U92o /Z ^2@붎 ~ s-<+hb >iP%%ķ  endstream endobj 165 0 obj <>stream Hdn0E.H:5EEu=M 6%r}yGl 4 ;4=_tcÁ'v)|oc`}Su:va*ߤT׉/iT3/^U=O]>}ȭ.ݳ}U6 gp __XWv>V#_xĪqf)N5*=vr.gl[gˠFB3>XH8'z$9k`Q(IIb% W69A Hb-qqtK1v`^/ dTlkRhhrv/墴Ks YxQ%ɦn%%ݗQ11&ÃIp<:pb ooԇ endstream endobj 166 0 obj <> endobj 167 0 obj <>stream H\͎0SUX4d5mm" B8.rD>KtqVU~_&1,69^ _\q'նE#-U=|4 /oK0^O;}_5Ln[8|qWwemSVN}q j9rs>ч.<cY=^ h,8g< "@ >*8*H რ >*H რ >*H რ >*H @Etz.F@F;Ya4/@&; #őQ@VSohC;MH;,ph=qu4TG捨oj \,zٽ8rv+H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xP”6Ki)>Ee endstream endobj 168 0 obj [1/space] endobj 170 0 obj <> endobj 171 0 obj <> endobj 172 0 obj <> endobj 174 0 obj <> endobj 175 0 obj <> endobj 177 0 obj <> endobj 178 0 obj <> endobj 179 0 obj <> endobj 180 0 obj <> endobj 181 0 obj <> endobj 183 0 obj <> endobj 184 0 obj <> endobj 198 0 obj <> endobj 199 0 obj <> endobj 200 0 obj <> endobj 201 0 obj <> endobj 202 0 obj <> endobj 203 0 obj <> endobj 208 0 obj <> endobj 209 0 obj <> endobj 210 0 obj <> endobj 211 0 obj <> endobj 212 0 obj <> endobj 213 0 obj <> endobj 214 0 obj <> endobj 218 0 obj <> endobj 219 0 obj <> endobj 220 0 obj <> endobj 221 0 obj <> endobj 222 0 obj <> endobj 223 0 obj <> endobj 228 0 obj <> endobj 229 0 obj <> endobj 230 0 obj <> endobj 231 0 obj <> endobj 232 0 obj <> endobj 233 0 obj <> endobj 234 0 obj <> endobj 238 0 obj <> endobj 239 0 obj <> endobj 240 0 obj <> endobj 241 0 obj <> endobj 242 0 obj <> endobj 243 0 obj <> endobj 247 0 obj <> endobj 248 0 obj <> endobj 249 0 obj <> endobj 250 0 obj <> endobj 251 0 obj <> endobj 252 0 obj <> endobj 257 0 obj <> endobj 258 0 obj <> endobj 259 0 obj <> endobj 260 0 obj <> endobj 262 0 obj <> endobj 263 0 obj <> endobj 264 0 obj <> endobj 268 0 obj <> endobj 269 0 obj <> endobj 270 0 obj <> endobj 271 0 obj <> endobj 272 0 obj <> endobj 273 0 obj <> endobj 279 0 obj <> endobj 280 0 obj <> endobj 281 0 obj <> endobj 282 0 obj <> endobj 283 0 obj <> endobj 284 0 obj <> endobj 285 0 obj <> endobj 286 0 obj <> endobj 288 0 obj <> endobj 289 0 obj <> endobj 290 0 obj <> endobj 291 0 obj <> endobj 292 0 obj <> endobj 293 0 obj <> endobj 294 0 obj <> endobj 295 0 obj <> endobj 296 0 obj <> endobj 297 0 obj <> endobj 298 0 obj <> endobj 299 0 obj <> endobj 300 0 obj <> endobj 301 0 obj <> endobj 302 0 obj <> endobj 303 0 obj <> endobj 304 0 obj <> endobj 305 0 obj <> endobj 306 0 obj <> endobj 308 0 obj <> endobj 309 0 obj <> endobj 317 0 obj <>/Filter/FlateDecode/ID[<4EA790C35297100B8C0071772F7B82B6><8A753D6F6E0EE5498725319C18E470DC>]/Info 309 0 R/Length 708/Root 26 0 R/Size 318/Type/XRef/W[1 3 1]>>stream hޜS]HTAZPAAHOJ?jJeُ=HA?[dFE* K->DQfXf^pΜ #1F28gRɤ.W$~.&R}Py;ȫ[;NB=gp&6OHsHpxꄮTjdr|Licg!Hh2!r*і d~OM0 ;SZ|9$/2J; Vynƀ{,tI)UG? ׃ۀӸ u!Ї|'5/>yp}OrzӗIcu)>@=yU{)V02S+VtVeP9]w眲p <Z"NKOGsik™