%PDF-1.7 1 0 obj << /Type /Catalog /Outlines 2 0 R /Pages 3 0 R >> endobj 2 0 obj << /Type /Outlines /Count 0 >> endobj 3 0 obj << /Type /Pages /Kids [6 0 R 22 0 R 26 0 R 28 0 R 30 0 R ] /Count 5 /Resources << /ProcSet 4 0 R /Font << /F1 8 0 R /F2 9 0 R /F3 10 0 R /F4 11 0 R >> /XObject << /I1 12 0 R /I2 17 0 R /I3 18 0 R >> /ExtGState << /GS1 15 0 R /GS2 16 0 R /GS3 19 0 R /GS4 20 0 R >> >> /MediaBox [0.000 0.000 595.280 841.890] >> endobj 4 0 obj [/PDF /Text /ImageC ] endobj 5 0 obj << /Producer (dompdf 3.1.0 + CPDF) /CreationDate (D:20260725174045+00'00') /ModDate (D:20260725174045+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Annots [ 13 0 R ] /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1187 >> stream xVn6}߯pi?]Ihb[H~[CjWZǴ9sŏؿ0vF$(8]R`}TaN3 % qEzgcJ45x[y l:?r(lVȍzd gW~qHBFǬ C %{#7/ 鄖Ma&=bijS 5N0p+p'smԸĉM$JsJJ(dMZ`\ [*HRRJhV~57KJҐR5}- n/ UOz|n@1%aGh"Bؓ*B{ES[-i5edQ;kB) (a;`I=XŨ[+Zf ),uT7l+(+m+YE7Nڡ ^P6h.0˰hrr+DR'|Àq<^ju}<[_>D*sgAHr&^UUOVlu٠n~FkO7p8n&Oz.Dx)Ib,បȾݑLGɈͧ6]&'̽&;f9< ~=_rV>>_oca`3-Ş$M}S.Ki:e{x-xs}.'KsSE8‘`CiJ Foţϗ].`ͷlŔɦ6 endstream endobj 8 0 obj << /Type /Font /Subtype /Type1 /Name /F1 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 9 0 obj << /Type /Font /Subtype /Type1 /Name /F2 /BaseFont /Times-Bold /Encoding /WinAnsiEncoding >> endobj 10 0 obj << /Type /Font /Subtype /Type1 /Name /F3 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 11 0 obj << /Type /Font /Subtype /Type1 /Name /F4 /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding >> endobj 12 0 obj << /Type /XObject /Subtype /Image /Width 281 /Height 180 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 10456>> stream JFIF ( %!1!%)+...383-7(-.+  /%%----/------/-/----------------/-------------------"S   !1AQ"a2q$BRSb#Tr3Ccs4D%56dt.!1AQa"Rq2B ?I+JZ#DVC%0+DE>V-;QZ躺,C-9 @ZXJ1NRl%,GK'%QJ utZ")WOZJM9@RJ( 4tAGG:ZF@uU17 "d2ӀSPIJAX(dBQڜE"԰)V1  #R2G WT){i@ ?*I}(JPoLZ9ˆV4AWhcK':p(;DW[,ntEZ$@йaDJRw 2AEXԲ-FсR@36R)<ΓCQ!Z55jq\(d5Q41 E)@7ҶT>9T$6pt8D_rlķ <}ǃ"( (Oi'F!Y"6#y;?VǃRݔWHq$;ASv-|7n/Ɲl*N đ7PZ(}\/ ;K IQln&YqGrB5Cm|ypv{2iK̈́@eĉu*Z2HSk_A:HRD(opdoSQw9'xZ룃26JZENQbTjTXtZfi"4$]9r:8!*ϩԝo><84ȌvmU~S{xd#lo6ω"8f9[l~HhR1"‘\ZB>xރ٤m.-KE7HEʯ&c߿p˂IK؋/.YM܎ERl K 580؛f JwX_gPC|M )ׅigõrnn/}/ZǪU=x܄BObb FX^nGdk^EaT1+_wb11ux3G"}e9[u<>mZ5Җ<@Tujl@-hZ}NOM>ótvu$80"NG};s~\} 3\3*tbgQhe}W,6; 1܆'?"]oS :ql̙N' pQNA>0qqXWA Y[`\ܒ@ 4[8E:147oTP+n=Hw嬖ؔHX dk-Z,MDWF=.Y)iljN`ilǏ=+d.nǬBXf%531&-7%['sYf4΃#P7m :<\^~CaȻha JȔnov_7yFc$F;*rՋŨ?ڒ==]U{2E3%n[ .'Frڱ7pӅpF6}V|æmU_#љj T0`xegs!,nfׇ*h8s[#b:075$tIVemn&io,KT@7 kg~I0] ֹXtc)*Ke!-[F_Ul6"ۍ}It($ԺiIpJē5x(&X9!6ٌn{~32΂8ğ]X'N.;'3^d1&Wϔ+e }mI}ؓ8,dJA )RUtD>1H<$qYD?g~·kA6؏bbQ*ac/#φo}uKҮTDO;5XYbCUǗ?COfQ~*}FLcv8Izb%_X =2|3Vd=μ|g|cGm<;jD́+$j5]\֩('Jȸ5h/S.^uHP#eQOOZa@pl#vy(f?~եJ{Cd>F򇡴aY]%70HA[K~?I"y#A-dͤ$ʮX;,<+A 5U}P;MR+rXo?$i[!>&ڂ#x(t鮤fiM0F􍙁 $|n-blk;c}{& S!2+و8븞+O#a$9ЧCUJҹ2b[Ί=Yx_gם/5~}u \ 5'DKǀ.I2|GuV6ħL맛&KWrla so8j`LI]wµI%YPY쬯IZݡ&yH߸Ec?FטeZPTf Or?Oگ_&Mt| ccЯ%Za%$~5L[>hPp/P/ާs^V1йCvݯ 6d~Z{ba9(|mWCfj*3CjnZkuietSϮ~fKXV#R0؄Lu[s=kk|&0Bd#zyM^HlYS.65T+AM3h4_th7y$x >+l~lH2~Ʒ[߂\$؄6ۚvTh*&|# DC{ݾܛxVG3 lLMḟiE7f]̤X Ãq۱b&t,[[w~Ԛ<ňʇ>f*$w AR8\t_xJxٻ"$l&Cz>I@8`ݔ}ZlMxrGʮĒ $K+ wiPE+q<,QZg;*6  E9TڶFcMv4*-GO]"+Xo)rV=B[κ't|4!X C3- Bx6CgbqoI@2Fkkkl>pl_ +F[FoVM.jn75̠vΦi^,k-ӽӯ -Ό&(6f &2<Ĺ` 1`XGu %!uZHDIY.-Q \mmr q(Ple@xS^c-$U0!IsOj؈YM_Us_M ϴ)uq3 nh;!SԺNVK\ʲڟ˨ny$LA1VbMXY@ZQըO%Ӭ/Nqv@JyRV@$˦ ;|/ѕ7ĒXup p7Q>$ZKgo:QYfǿ;hyP<1gQ{}l6G1M, # ,HʚĦ&) cn.W|qѯAGqԧaA ht)2:FR샐\h?ҨLra( L=?^?[ֿk q+T^$I$w^\@᭼Nm5>57\:K{l>Z ?qAtA}&r6zn7X:u`;DdFnr=Z 3fjVUIXXBe߈}kyB"C6(+tfE!fG/YA$w@A풺18I Ζ>]A ݨTpRf@@Gp,\vww𩘧2onn}ԇ P,mf$SxŅEg[Փf^4nlZ/mޛٽ+HLTbv0%%(alĶn ;2amyUn6[LqaGly ~&L<Ϙˎ펎qI.urT#Cr;#jsTi?c6qG Qϛ/~d[%5kW'#ϹʳPtLvN(.w_yTq[Mem?FBϹ]sѭqX5˥6pZ={}qz)رêsXl؁6${/}5IF_9E^+4ةaL*+T[H@ڰ]@EiWbccvvhpһ*.n1nՃuyf|% ļG1W{-]T|Rx&[/%{emV"=7w3ѣGmw ONZqB9U]E9?}A[/߁Ώ)ƛ•Voԯh'AIBÕbMŎ,G/ˉ+'%4iMkբ] U#U̽x>Rp_ {> FWyō[vֶ[?͊UYH\͔X;7aroi $1?}e,q>NHsEkXoɂI&Uo5T*k*9Vs[I;ShH0ĬtN2%"==9@ 5::9 32.T3-ԐluZ>J@XЭIyc<;}Ipz  W5_iA@7*jtmޑV//j*[wʠa%8r;k_4xi9 ,͘wCo9f1#.!t- U?6&!0a3o[kj6g7ns3II7=7'v/"BXWqnp#&OƬqgI3WWXͰpT==(:(XI$ rh09&̭nW ڱ>Ěu_ _Ë޹JX?;HjJ&:pD/jE_i͏Ӷ?v7657_ͯ~}GO+b(k-v/^bgi,LІc^J?ĎXf(vԙ13*veM֙PHH,*7IS6*bۈ:5qp3C*nJ0w)qͽgLLʳHE6^iI#{"vLR$p7Qodb#B Rh'ǎOua:xq4GX w6sYtfڑmT|v>~ѣi Nf}5k oN]Hotrn}ecʳ^O>6R:]_vKmHFxXH n5 !Ԯ7]5+H]Y!wP\Xؒ/ӉOw3ډ~/INtc&PVlD0{(4ի^b`:]H ŝ7sL_Jϰu*~Ut "4GI&~,Y roC;l6в:뮯P1BY-r EIU*@fT9Q]Wi -#M69Û_ugئ2-)XM$fItp Ԯw8Kbߛ []I4[M v9=pYGI1L ~ɪOh09p'Z(!7Vڵjѽ1NS \wvt,Ӳ`- 5oͭ6yϞQ{,SәU2 nNfϫy]Iu>4V`Q^Nvw\=U%dkn-]"岭:i3trS겪>NH0X+ u`S ) ml{c}7ulM_ٽMY&xfVY@׳xE#\mmyh868-[y׎{e,w׸_Jo,:S0ؔψ3~ڥ5A@4U3ܓO>/ 0\^nV{cBU:F>Ya's&뭷>it䴽QY~$njZ:ٺ֗P;Z^/e]d)Al/ޚ/e)v<u& eo]͏Mjw}CQŞIi3WM{iB5`*Qryxu*YIv }6PDm*D;:4rIHQz[K;EF"?=E{Q 짫nNԥp~ JQ\C5 aDiqTRWYi/ ?ǯ+j1^LhIe-nѽ*jl,lj/G:x>.#gOU,"o+U֠j߯p[t/ɖV;˯I&)~ ʯ E*ɮ<{ҊPӥӕ$:rHe*iq79f:ns ¯+9E7Ǒ'&샘s8mMl^TT`XZc+IO#閭,qW? HfIM(L|fpxKqQ#QP-13cƇX9Rzj/Ta"Ԫ>CL|zx.s_U{$C->Hp> endobj 14 0 obj << /Type /Action /S /URI /URI (https://ica.ng/areas-of-practice/litigation-dispute-resolution-risk-management/) >> endobj 15 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 16 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 17 0 obj << /Type /XObject /Subtype /Image /Width 600 /Height 600 /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 1 /Columns 600 /BitsPerComponent 8>> /ColorSpace /DeviceGray /BitsPerComponent 8 /Length 33662>> stream x]EO\k{q5A b("(VD,]TĂHi7ov7%w{#%L~yͫ":蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:蠃:"==EzBDqHRC/?~Ï`7p`у஝w-3ёK mݳ׿gg/7ݻi.q1q5eW/_辿^~R_{A۠od݇S?m̞$;;[@lh CƔO`X:Ƨ6X:Vdx YG޺: #kxx^JmRyxyIeI~^ZvHJLd(v$̼>=xr[ ")t?ع:5>v|ŅG:x5nY4yrz cJWݵ3=Rm (;c'8/[]l" N|jлaL!rj|SN|&T5g?߅KOԜ(yS:=qBoUs.v Ii|u̅C\p7\i`(ٚN^7'+b3_]MU>!U7@4 N˻~çNq¥޿ MMBoZQX$]G~#Y#8w⺵K['UĤx'xK<#B"s+wsp'N]f|S|q ;a4ad_(m|C`Ձ_P'7K=#ȓ! Ʊi=HdhnP~O>n_|[$"U>uӹyk=!<}5v&XlfTo]>vHdo-v5mM8$^ŋrsܩ/;(r$V>>ةu1"Y/_~tn¡[f;p^wffFOb3vtG_Z(-שÉώ]tMaßcT_mz=oKţ^7‹=G ĢΝ~g*:fy_a,J-Z7ԓ]-Fl4_>b˾ ߾Tڶ*|mF/FlbQkgOK~꥝7HG:mO]y? לE5x ^?xuk42m=aTa(zɣN^wYuեVfCOQq('\$ߣvu-=S~= ţ_vuxeϥ_wZ 轟j: y_8gʪ_ad4^Jڛv?:,HRwt:#yrLk3eoy'>cEHԶ~&_#Exs̄s3&b(*|3{wD"Ňm"aM|ΛEȅom)xA:h/~s~Z-h`To?㭝3DF%?`KAMp3V}JaHo_$mXB/Iu`}<:m*Ν[='yl\_m&t9^|(zȦ\mBÎ;޾h(ɍ& Be_ffA[;_{KD7 e*QږeOe.ܷ,TH!-Z"xhi77/q"?bZG*tЋ)m\G 3-`OLV?4+v bJ$Q_-z9:p03엋oPy}Ͼ R^zLE ~>o$[:c(s}dեBgt\W@>Vp&:$zqJ>;^Ψ¤DD1Aݼ6*Q5I|P4㚉MfHrJz=iy]wA$r%F^Ϩ"0/(hoW$L<IaeO':"xuL6*jj, =4^ULaX@i>BcæV'^6.W3&N2-g':&4xuЫdH* zx#b풢r<„^|tqkOeL\$hÕnSe:n{h=Zi7 }`km^DuIŌ)$q5W[9UЋS=ԩрt1]iMȌâ"^ńj儉O2~^As^DD=J59BՌ9,rfvO(yu8;9ys%&{vZ :4<^}uB+W1t3|9E$qݥW QW۫^@0!OG,^QWL.}C4᚝ҏ(Z] TGאU^3<0cWo9K| ;oW"-•nW^z  Uʪо$3/SEL tB{#(œ^A7.te_2n< Ww=:1QhYR#0dOd)V Z]H~P a)"&W*w GED.l!XfOb x0*r}}Ht -n^YdDŽ]J}JQh̽K9c[n}z}™Wfx+AgX/\␮z-ZV?%_ߑc`usN#G ¡sIE[0hPW_y\0sWpCԉ亲M"Z.@=S˯"varauRrlk8%a*X_yuM3:kJ{9 E+Z&}PJ@0 rBm$O˻B1004422611553OԺr능VBj.ZA)",WWJV"ielY%XXZY]'~.Z[bPK}!*ck$?P P +3ss`Tjckgui.j=g#FrKA-+Zqq1ol2H+,0UN.r0HA+Kh*$B/e %?<|(ZX"YtrZYPj!,ߦMr$F_n~9ae`^RҊbɷlf_uvjaH+Bh,2ԡX/"} 5Jݼ¯=a_VR'rO ,Bb^1UP,4,<2*S"Frf -^L T͟0kHD2K_4]R 1" I]M15!!}E+|@^EFƿ^!NRKdiMXf=5aeIݯ{Q$[gL%8cEAf) RȾR^ĊKH\ƾ+ rwqA' O7RF l5XFVԩ4!-Xr%|%6 RY_~&zW{…]FF4@QkD1rV8S%-Gd;IJ`,$"cS6;\3'(DY/; ‘h4e,wk=qV*4XsfB4"JJI[Zՙ`o1'&=Z|ka; DbnnnF~iTTu$ {lg{{ҹ3'U'8;ǤW^om'u*1<"IКSԢnHh6EJgfF|<]VYpVQëuR kkk++KK/s*P k ~;;`5OO/o@Xü'?lui▞7mZ/@zYH xĬXKz3!&"$ ZV4m8R [m!7|ylF R~e# #wNJ$||}By|Oq-mQ͇VUpcQ[;;t*.B)zycj#uRV+B̚X" $w^ZA;G`DKAAA2'̶VPjBvrJI'B[ Bq;-,  twsqjA9Bh9À_Y守"F"""##I`{dʝ~3S놾_X.L0,,,)`|?!jFD%ZY12,t7D8,ؓ2N/-R*"梚`!zeH6!ݍa@(`"Q,BxqĿ㿼+es ;PZfm>bz $뱄<eaQl+BGVbYvRKsS㉥ &7Q[7$]rDEFʂ}1pVOs{GHI(lE$PHWWlO:tӘ &3ÜJT-X٘Y~^vO' ;ICؖHMIINJ!fy"f"K ?}:p(|^>UF> @\R%#Q@I%E1*N-T۸%Vdqubf$ETbr*Pt#, u:(fE;O,3˔ʟ˜XY' /;#5)>:"4ǓޱqI炁V>~8H(A"=3 h|RTJ +1-38#RYbH=g/1(cbv@o%ssrĬԄodO(3+gzM(b98:jK3Rc#Â|K8@#X~ةXؑIdfffU@)| n%1b\Z@L]\;T'p bHv:i##|JWuiAVj|VJoֈXIMXfO:;[Z-M uEyYiIqQaXb9i|+\>Kkɻyݦs2 i,]E)=ZJj_sG,Nȵp^=bBȐH,L@<25!D.0읊X1sRG[KS}uEIAvz2&|;&L0}*.!*+ ypgƼJEBJEEE0<]1\2C[Y̅}ڄxH(em+2,fRƿȺTRF"pHaɝuU9XCug ,uĸ)G"Á w/߀`pR'&fd"BX@+@F  ?,T'O$*MT*i%Bf&R aЈ/ j: E9鄙hkM*q.gm}kzvw7W!b%FZf~>oBD*-#+'7? JLE?"T'ӈ`GnIXS-i8&Gלog?$m5`fPq3fӦxlXۿiӦNhi.×0HpƊPX?5w/! -#;7*{cc"TO8 HS!naS-3;7_[D!";sdNHf.g{Y27mL/(Ƴv?3fL="+%>2$FB8 wGd AiVxl+VUA wwBэHU[H|d<XS0,ܤ~7# ̊"֬YX͵Y)qR\j~hƑO UZfUiY9BYi *3=%1hS)p#P ޒ# !"1}:=#Ce) h1jAQaJ'a-CJ8 C\8v9TIj/LTD>X}ۛjJ3(Ő+H F$dd!ZWTTVV!^fg *˃L+J:\'D"ȅrtvuSp"5C+i(?+5!mH ܁/k\0&?YJ?lY)؟Gݦ_WayE%UUe%pkSdPDUpnll̑BtP0P>yj0(7#9S[mꉃxA!Ip(A{0Zqq62T am}^3펤vA&m+n0jXW"J q<_j0 Ѫ x h$gM(U PR ;8V~k#0Z!HN(M=?GM _] Inf=\ʸd~D7?7~sӧO%LH;]} mij+/"bSr K+kj+ғb"rǴR@PDe"?J"zv8:#[/[r/S^ۈU]!,Ҵ!lf\3_~?;_s Mb_aR_Y@Ʃo G=/e fSM6XĊ qV7Z_TVQ][PK pЂVdjRJ }Im! }_@Ī'D80M` ~N OY:_ \J5.a'U(KbknoԩS{;[*sR\06Rs-GvD%gW#T!^)V:SוJ 3@10=N k#燐^V[VlFo*?ia#.ĊJL-f{Q"+Yʲ!M5\SWM=X=hvOA&RU;ؼ3*W%U u ^E@ jfBk0pcQr(9Jq986bOߏ$B|wwSY2F6|w`XLrf~ zw:sn_7eʔ>Wf%Ey8g'ze+-,khD(^%D|A\) ]6[ j,3W ESH# {X[ǂ&K*(mgٛ"+qz1t K > 'D,$V>w/LDGYij]qUeM}cMEsJ S5tB'${/#߉.ՈX # kvz oTcm]^!Q i9e3:" eu\@&@,dɽRX[t#al^yUT`csssS#+*HYqH I- AӚS^ !ń!Uy$KTwt'I+*^:;Cu\1+BhĪAJPPbsiT𪡩[ҘW8VY0l umaԡ_qQ[Y\Z^^^ZS˰eŮa㞞zvåB" 4b97Q@PXXu ټK𪮡(ю̂`8'L &@ RN^~2lbn/*)-).đh8'lF]xsvщi9`T:]B#?"|opFI9Gۂ㩱IֶV((/bTEZpW):DYog@j.|"F.Cz' ez -MյXGrYI1^q&\v#[| xMM1I9 [ZZj*K|E ! Y{ӳ\G PNOqaDYLШԬZvϒ:!-5{?ƙOQ3?N~P WM-mX-UT=+zcY$Dk8`6:Mҝ׹ǢSA DE`7'Ӆq$#f>vln~e}MR JA^wtt6?d;lX*rr^QRjzfffzjR|&*%8=Lx?@V]u:fVT?]\Cl A^/X%ļ4 )Š<"ŋW!b fD)Q byUj§}b!. Ɍeﳎed(T)Knq'\ 'nE˗0793jRggG;RPg)S63"s4f! ޹b^TlI ,R`H;E+ pc"I0,moS4z w%oĢ χ@0>ťWYԧ9ʔ.^8Ou<˄JxK2&uMَ+Z.Jd6NඁFi[~g+teHy ]ˈ X=A x=kRkcmEQ.mʼn^a* X YhXXhHp ͱ 7x%}G#&J$Db\ve}Nm+=MXS7"EXځx=zTAcp)srOO7,&>u,s ]5@h7'Ä!LH#Ba DZ pwe>/^^BzpJF3ێA,H󄙕Ph(X0<;@k +ڑ*ԃJ}Bp>] ވ!A7I{z{{ 8)H)p#ĽFBHߛBEtHvXҶ&k( ,>H({( Xٿ?f=+y#XKŕ-]ݽ`)uwsT fizyzx{ٌ)0ܤC7{Vt(=&HvW؇k/X]X{{ P8hhm ̂Ya~#|"ږx)} EDM_/Pd,>"J>j=]6C/by%_^RXG3wL$*R[}#qOҧOe`C#Pbnp'_Dx3!yF]YL5n V]yms;,'Xcܰp%#qv &Jȩ#]B}˩&y A;X{Xz},HH^]Ibj${z'+s-VFX2$EM`w"0> } Ц 3Alh vt:`W'WV\u$Y_!kȟR *wb %f#'C,2%9Xd~p'6,-"|qg[bu5T7 ˝}%~:"eckn "bDwh>C$jtj-{=X+\YZ M:j\ EևV"5h߬HjW" 9}M[Ä=d,W$FL){~0>lj+ O zXRv?,nX=}SNa ,Jd-lO4z$CKRt! ٧toN:0ʪ=9fj~U Z,NE@p` k{G"z)1Oedt"Rq50qGyzAǕLϳj")q8aN e}|F0=,& ±~c|f6RHĦ?&'#@`c'.G"o+x.r|uT'Aza0ŷ{h>2XΠXO3SVv)ɤR6RnYC ?տ4i0߲bG79X g{LrN#TpL R5Iy_zz mٺpu) CIUk>)<,ޔ1v9ax **ArYfbnuv 2>ӅY j{<ˁ+]SlFfx>!i noAaA0Z%?;hSYM٧uo/⠥`XMs.ٻFN,0X펝Kcˈ&*눔"X z.JױRH?2"㄀K}X3gmw\1XY32NXH*ό غhkdh#ŚbiMllwG~d($NI_PTMt&qQ~T]6bfkX 5sߝHk]n` PP\VY4a9yZ-K'҅ zLq@'e~&0ocHy }ĺ"V>QZ^)x5"vb%Rt!/D6&~UhXqkdb͜>*Jg^ZQ5}Xb$m( ,w\L , E[R}bC'-L@M i3g͚X& cF}3L5 XDch.<:khuC&}{fa%b2F,<*~v<0,F'QB}tǾ*"SGmA‡GBM~]O^FI.b͘Q"eU_f7(_Xՠ =*H]1]"AV/VMmwjF$VMnFh٨'$cU]YNşLB߬#;=U= %~y kZn, vtTvGla{HVUn>Oz// OYytbm 3f a $)b9ʗS@`U?3RGX٫u~ƷCjÑ)_x  GX8CkTD2zM& R׀Via.::pz 91<ڔ%o<nb=F PGtl5)|Jۼ5 N,2ut0}h@XZ|q@<k)4b! *{ Q{<(82.| U5HN,l xtC4jQrÇ֑=#F.AA,"} %6 &|TkNh:*8 C»اT_5BokX\9o5 &cp, J$H'3 3ا qړg\u-:{:9*F=kFYu`tI2LhBEyPQ3.!R&`14;;\> cM,a4!vbq2@B /R!t{AAXڍNU0¢gCI_XHRP*ԅc;Ov9orO0y  ]SbKF/)ɹ2L>EZ'Y~^q@ b8LWN71? L_R^US5!ƦUX9uHqҖt@bm y\l֬YcR?[ ׸3L3kEĢkBE?taRHqЋ9'v Í Uk=Ey!^:Fb D,R@<@܂Cԯ| u`{`8#>5XOXAW< k|M6=ԓ?kVsۖ,Z[ [ouK8R$%f g-Ӟx/h%&IWg7qR"{}r6yitGmЅ⮓hI.ΕbsЏXc5(-(+]w:Ϝ'dahEV FbYsYDj2ѺA {.+*8X>ë6ZN2QSm .c[@\G M{g{48}g(#p&U2U:WWW9`jOc GqkJmH[]-̭Pg0|^Bs^)s `QgopiH)M[ ~ FG+k UbЪ19f2.&Z phAJ^^e1B,e4{7!shealDwÏ>Sl~ݲy={U+WXA^r媻}r§͆5y8oXoqnmfHkAȪ<{#rrPzݲƖj$Dx{{ oo_e91Mt?)P:ra @ez\X\A.Ĕ:"ˆqMhLRf~iU}s[ǤIm 5%Ia!A~m@`PpHX EFv6T~݀ -­"CZ$25#5ndlDXD\jvayMcKI-q1Qa!2YBB""c8\5/Nŭ O3n9ghlأ']Hi!ZTXWQ e0.3 叅D%fT5MBjm*+JOIGQѱO0_t?d}C,"&|-hM$D-̝Ǧd4wvuu!b5A-ENfZrbB\lLLttKH:9B Wspz9繙>FdFP*fV,3S{,2!- VK# 7+#5%)1!>!vP'$&q1Pt?O.姞и7b9qҾ!'ST)ƴW$un 3pJ-*aa> 񪳣+;3=5%9)11A $&&%sc.<šLV 㭼K\Şc6tDKZ*Z58V2u66">5@,0!ӏ"VrRP@/BJKMºPt?;"Vu#S ›ъXXYKmYsR &L ¼4 0K $cbe~>]v:~H/QEZz{&m^l3N;,0lYHF@an0ݫ '֤ƺjī|+)RWO ,Os-ލ["*j*q-tGv6 A`Y#kPb1ߡ9۝WRRZYŗGwR '7z7Y!!=La { [A`Im1#Jaa1`5c^Z!q'$ct?,/kXȒq 뽺8L7qE󰠇w!eanjSJ&8h 뼗XM,G+w7'[anc蒌LƦzHJE rG"z5Ow NֲRC#+"87_I$q3wrqspwuvX*-h@_AYU]Ud% ^y{wFwt9>.хAw#=t#yBHaHׅd?f+'2o<=\#)SF{q9!"H{#J,XXeb+tp~FFH"nQ$zԖH1=SQs kda"^y{{{y8 J>faRd7 7[ vwFJr%$A"NI.](x^ٟ]7b.\>zi] UPH`{z RkB{Q9X`Cdwg{ ^of.v8>ɎF¦oAK9؏%>hj.;}}zKc(b2 TcUVJ\I@06Cwl h$l8b5:TkzX.viQKOZ"eX^~ޞnJbqSeb&$Mwt%,@ 'f_3@ѐEണ]DJM=Y B+Ss wW0 0 7Xـ  A&R OV S#q;[K+}a%&trvۍIÁ7bкBC~X0(R,d5X~A}rwqX732&$VI5^ut` jIpn6t3\~: Ddin%C|(U,d>X^A2Y,8cPb &`$ m!ӆ~v/^_v{y$օGD!OvNY RYš|5455[9yl!aoy}n? R7*^&X M%v8~zڛ 8Pa _2\ܽB *,$8ӕ"v07qw$k9{jMr 7YO9^se<Bٚ'b)Eg:D"sO3ǃe$9y""##Ceyı30L&$@NC&M8+OX˽_b!]jވP(602h' 84"*::*2,?C)L|H)¸ĸh 5*ccAJ;辥ԅ\=oJq&l hm羟Kob"͇À?{CE1J_͐g\O{R{gwXī$D _|-̥N#} -Ы ;"9P?IA hCX7~=Ģ,هtjfqB;FͩArF%4򗧭,<&*##=5 _0t\ N<+C71|' e``iOg*GbEw);CS[vP6j KJM 0Vem&‰E?Bb9Stq GzLh~E,>I&]nG^t/II=61%=3+ +1R6d.{\T^JU6%ښa+WE"mrZԌI,Ȳqpl3}! r ONLOIښ&0|9\T54 (EA峩h`7A9 (}ՉXȲF"'1Ճ!;I-2OўxV2sVXd eq9귎GYy‹V6``$`EKXXX`("'V\Cpb:b!iʬ, }u˗ y5Tn!QeuDYȎNFwpXt<srOOI '2!=/N@`!bs .%Rs5DV"-How 26vX eH¢[8n?GHfYJftUI-Me~!Ouqj/WYŠ-Xߏm9Ī"G#\ oXąhU[ctuͲT \^3e $h?OuE0#$J:#$8cuHMhVZGT]b[غzxJI^AJJ~k@Ī$4!/ESױSHdaL!ť"Kdnw/m#HQW‘q~5^BldoJ3`ɬ\nhw)Xc)n DlKPK+ E9I)it^y+LE+ڦv XS^=je _6fh\8,KQX(n8~bb^6s"6J3੘ 0+t<)02ɌZd)EփRn);a;@ C]hoGK8Zc#/[Eu&t~V¹~}o$Yks5ϟdPdASwMiqv<Z+k+(zN yx.CB¿b`ErTْxmRg'&V)"<*]dXGb"".\2;$U *k]Ae[+)'~W/H3&IiEek8Ҵ(lM'wԧÜr.9~+tW FJM^|0+G<@ah5VCu]]-U%Tш+w388xqNEZwtY>^IĮAi~Jc r2; RR K+|:O~x̎H/.}HJ%p6oꀴ ´̌4%\ !c*a@be : E̦<3%YXܰ"nV !u8I&b1_ r⇍g[ÀK'ЂH\!5O*#b#Â)^IϯO$٪7uwuM'31bPu\kA9xh/R?¿?zE8%t59ڒ(}mTd8`[+ҝeam@e$#uXZ^Yr'^Zdo@PHXdt20SS ?+l˲2+&p[{Ɓ]O߿iB,2#%\;¦t apEe) M흽SϜ5k֌iS{Zr2bR mv~`FH0 GedajJKg?)?=nIY&CZJôq+Y35Ry!CE\OĴƶ)S{'w. E&E滹v]LVUP"k{Air]QDM[tsyz%7-Z`y7̟s szu町wRU٥m{a{ H\+1NQ5J4 &X"?, ²w~{3wvgq<?Νsw~ե'8q+ gwd n׈ \Z ]m-M˿s:(;s[pJ[rDD$ļYed WI7Gu֕BW1\ZVջtuV_bc}nj!\5`L)D/t^L\F~ESϲNK/ҫsyl:55Vh9&gCNbÂ\Ĥ݅jmx k.g^[w5kyŝmzO<;; Gl\Tɩ >'7TȪFJ+ּ≾xBK5g!:\ch3?et "| W7Nָ7WD+hV6 J4ԁQVMc*CUoW+E/KE\k^W2U8]L҄.J\{:ɇ >%;yTDž*]tU^.kR. LO/eeZ("!&E,=6ƚ,}:Wc٥#G1jϕ^4'Gy%9,d9ƻ~{12?M)-YVvWl՝IKZST X*S:+CVb1t&b,mTMCLe\gJC-y](i\>/|G3S ]T..洰Bia,d*]?R{Xc}:S,!+w8*!̡ClШ{u`I D47&J Cpj#8ԍs)I#q :@mj7_-_2{\rʠS ?/5>)ɲXLCVng5MӦBq|nC2k0{djHI0<7B"R,CA.6r~'AMqfO5(&А`+Cd g/2p0[cWC <ɐ RUd d2SV qf3ưFn r8b=zvge ,+pP?{2tuA̚" S(DBhfY_f2V&.gkh~_~@J~JYCNyЋb۸52s32*v>((ɭ_c#\܀>&ȌY)\K,fD{28LҗO=*(QJ:I%k%TTO>VH#LL.+2fff~/s^1eĆ9k63%=fYhL]V`OsYfiPEVX/1O^p3pk afCL\eE'b%zD)PO[s&7{3И&0<6 >ٲJR+yf:;*gaC74{Q2![m /-[8g,iM_rc:ghK9<m|ѴF mWKZ q=qC5$JqYa,WJK߮W^&SXtLĥmwťVX zy4ҍ&S2%ZmL p>eڶʒQJ'@JW@0JFZ/jSdM:c!Pz7Agl0y%V1i̙ZKϵR2mwԷnTz&hGs*ޕ2d=C8{וesL~T@ӧ-=:ѩdD"k'[FMV|TObKoF,<>Ѩvm=C9Lh,v&&ɋ3pJYb<1vJ4>S>*v{R:-/aҢ V3+vhHOoo֔0spHmߐucoTZ -֏gm\Ued_ܹD7%ٸ}VEmCCk\NpoZimF׏~?_߶s탦?Y6tFӉSLjݙnx'\3!i5u^(QǞ~?r-=8m o^Z˶2pʤq<~?y+,_mjkc-}o; ]ݸGu5."ωf[td=?6=g _mpx/w? ﭮѾ+.6*G~ymcO1O|ۆ6\m�~&9 +/6M~p<33zɅ7v.V9Z)oWfi߮ 48 Kb (ӯcRl> nSaGP|exK2&X7p@ k/wU퓰8^m3#|J Q yga Om{] 7`:7vfYf:8pjof%E c,ka5rc3 IWk?k/l*;J o?ŏ@z*@k%qVs[ pNħF<}ޟ,]p*8R8Ou&nGjVV:8ĚYr.=˱Taկ[XAy3߃ d@v8iӶ)I큏t0oH[]ڱ*\J穰`s^8L]xUߑ-ʒ ut QflaXnj,D{nVn ˻mt/!j)`DӘpvH;xRS*pIXnKSa "Đt@*[teDm U%؀]c,7ZP_3n|cbUq'޴}x;cROW'^k}I3CyE뻚53|Z JLY0)9d䕜gGqҐ x̕$_3Vz6삝%:QVgcLXp'+jyPT{`d͒K~4'8ruK=֧YtMm`_,eirXoNt_Ut^D#%+t}rc,7XFS4b٥a.)GäXlU?rtQ䘧oW/%xKAD# NYJo]8]߳Rց Y0>IY@Zuc~K3a1== >qnq{ %q!g vߩU4CKɣ5m5 +`O:ŪHsbe+e|]CYcX3›e5- ՙm!u+R?,9Ӗ|Yl;-].pfZv3Z?uw(k]guW'am^v;[kO8#Cx>rS6x{yAvTdwrV8`k5F%΃=ߛW-q0urUӛ3xPf[ | 1t(65T&"y{8kay˔އY/%wu>Fա;aP;[Xg~4/Fܭd'ܓlxⅨ&]KV,,R ϧƐ/UauOx(v]H=/<ڑ[\Q:qgsr΄NX>G:Ҕ_#h/ǵ Æ4_FiN<<#6jkW\Qr۰Hon?r',V#]94{\#:l p[X5t~Ql_Sxˬr~v|W.4و\(;4B_0TkNJB]uªU&_D1 ʺCݗõ}=oFX3T5<3ҹ #zgnª_us~ҩťqA kb /@mTiyMiw+( _!.o'szz6mmEphDpȼCʤjܿ̀]lA\3YknO{*wЈ:m \/.w ?=_9|z.r:8bETn!wʚyS͖ʰ =}pdrL q3EX/>CNC²4y!Vpҫwõ8+ֵjeGǂ֍9엖c >v8=@?dcg Y_K܁a8̏Zf{Мߣƍ`wmgؙňƽ={ÈFSUjhac}K1#λڊ~BYΪu>w҂W{jrQJX#^oRkaO΃V99.aؽ4>x\gwd9[ ZK>2;zMjˊʪil\ve0E]-7ѯ=2!".J);;.ѥeteѯ-o?[2r ˪1#ࢾ%[neųp G2ObZֵw w R9ئ$m=m__Z=IYLY%-<%O;VTuv[D[sZvpVVt|RZv>k743Ϥ50pڕdR7t'D6blT/b(k6nKdC!{Qo%>O] /;lFGq7`o(k.SVxTf/(i9a/<Ǵ 7Es ˍ+HEbC oi)r= ;[k*K 2 AnkCo3»:I.L^~7hxpĿ?$'                                                                                                S endstream endobj 18 0 obj << /Type /XObject /Subtype /Image /Width 600 /Height 600 /SMask 17 0 R /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 3 /Columns 600 /BitsPerComponent 8>> /ColorSpace /DeviceRGB /BitsPerComponent 8 /Length 14447>> stream xו^D`$fJ"%Jdw{jj9.鞮3]cUalWME^-S;d27w燤(J|?ǖedx۽"#3L4ֈuY1NԨ1ZM.s_uO$Bòdc@Z1FUL U1Ff I!ѓ.&UUi?r/&@ޞ;YnnJ/C>O%悼A?@\&#y2P#iZ/~}ύ#K)cDM=SU#vs_m$(!/^Ӎ=DUUQYUgDsXkTEX1jDU֭Υo$B̽RuLlXmTkk_F>QaL>w҈QQq|lyQ? :ͅ9qB"гɶiajrlT?{)&HJԧMTVoQaE!]OOkX kvh16 v&+ "@#BZ&2?4mTԈQsȻTĈUKT;I%W=6Cuiros %E"D!f_Tg|+iȍFTNV? 0U}i-U12OXEx)n (utoݨ#B7gUKե+ڵ܃B'Ku6 rI\g36G>i^ٜT_ʹqFDs,#2 ***F]*l/4єǕ慯K{L(=P=ONMZ?r[&ێT|cݏ6OpUyc~IA-36z|4nxQ,J%k_~v՟g<&\:Ǘ:ܻg=TՈBc4?dAph'>˜Kvz#(LW4$+ 7ب̿KZ9޳Nyπ?bDҶމL8jiVņ:ije`d/&zK- ML&F{>n;6QUqj<""cSh*.q嶙T+{ؠfl㼮J7oTV86t-']վAD"D(aϦnjeY՟ :.mW' yܱ_>4vڰW(U< ;?X^h|[ 4PzبːEU|OzMݬX&6xVu+c+ՃPLGs^ք,>wo2TER|qSCop#>;iy~> Ra:W9do^++du~߼zИJ:9D S Q0=4WYD8^U;YpWf?\<~ŮQzAe?Gքd1/ګ_Ko~IZ94vZxS9`&H:oܸF(H;=߄vZ3{H+saPmĪo]_Ym_~F d$\qY0lofz(KP}Q*?*Һ+I}*[y\⛐ 1!n|u1id,}a& X֮H|>+a5Pd!8%" K;3#x&H74i>1ƐK^~Z=fz U(H}6ui:3aoϳw.ԹһeW[sl(H} k^H'd-~cΘ;u[Uw~1&^BMFDؘ=yVB5]> ~›ZzPWҹG~1Ӄv1|3!p>wʯ&kד=I_F!A~'ϊvyM/tvnr+D{?U(H;";."Mvs"K~baezF=wkkW=1>q kR3D֥{X"iNN!KZӛn0!G =ol;uĴÙ{ 5p"Gc|J+Tt٤ ;yrkn;_ 4bԎl`|xcDvͫɠВ{muPDKOx7(LuFWH7tJzǃGn@1&:0pJɮK΍'[ Ƙ>QH˺Hؘ=y\¥;l}_p6Bww26&"N' E3p CqQUi^ P{wyM4Mc#zMW=,A*_:4j݋^jIş'3Ƅ;?U(8^cCz+`Aﶤ0xtѣ)Y̛kL A"6R#W{Nˋ\z9KM^!7F:*$DzQWKd?v]D{>-a5o)_AѠ/%"bD>4` KY^i^ϣQeE",7mrfjh#)zv/}',^Vf$bo)K:}q:Kg k߾.U|2&׫11|w8.NQ0(K5^u$ ry:Y=,CrbDXVc;Yc`L*uINoe']qlc.`HeeAUi3@lGi{9'L~#Q wD8yxUFQ 4o]̳LּbCРwKr!zI@ϲM%Oztg *vK)u~[_v)ydDۏ D8Y4!%rj\EϬq= |綛'v}pK=v4cp ˄DXB>1` GU}xxz$"̡c'&7(̎~^3N$>^jLm;%l~R,#QIyQ]w۪=5F{>:x0$’O[Z7`2A׾:>*!fA",YFqU=iLձ{3S7^0Mr I4w{u S2 0XDDu<.2ѴTw rG",~K(Y\|!D#"ۗfG+8Y_$Iu@&jYbEϽ7X;au˗r?T!QVG",C/g;W e J,:ryWzUoK𙙹/a !KqQIC_^;J#"t5\yTxUo#˱pt_Bm'Ӽ舦Jm#42}S~ 6?Ldsbw+X#aiX<(!B]X\2ڠyz DX"g'Te; lF3y֍އ39Kk綈8pd-.ھ0j2[ySOSOSma)N!: Udy-2C|Uoˡ^g!mxw|qdкzZ,}lN7+oUoaqP;$BZ.UƘhGr#Feŕ˦`8("">{0|7ʈ(k(]67I/xUo!ˡno`~>*mfUwVD",C"QP [qQ+<^4]I"C3L2}̵بaks D?DBΝV֍_<ޥ^uGE$|#AHOdjdZLcY:Pg7;0;Z0$rgХ@ԏ6;-VEC",FEE6Aⷿ7phD",a9h? 9>;n}sisб}~lVB"6e`8jJ{ӏ;ί G?$r0,A~906%pzK۾{Ggˡbm_ @SE5;`׾UQZ?r! $ʘ5T[=Prz֛VA",76 З_ʮd6]&Uo!ǟ5(Zϸ:Y:7Xr>5*z DX}#$8%86F(dQm_cYMV#G",,Ũ2(4qX%^t<Uȑ!'ȦLj< 2~KV :AжgUȑA]?e(Q;nsK?t8к QZ,|n0LbjRlA :mfvtHeG+%È#fR֕:t. =!C̗jbs'3ŵ$5p(9M1A=dG3NZu W;vZ#I֗FKόf=G}fi*#y}b FV:X#".h׌&` Z,@"q}n1 EUDڈe/.Iɼs[FKIjųF 9JXbc6N6Ϫ*DUԉSOcD+ƈXc+bż[FD-gcD$jeFwj?#™CyHD9a3nc ͈4̞lؐ>#J^7ߪt?cj<>FL}磵%e; L/ ]^-o/"&bj66GKjϿGe eҪwHqkޟ*'`0DҾ <(&pRQ/s7U*5?sb|g6atRj+UZPLEBv 'ʤsIuMXR}){&&uAu"N|xpX?;(F14 Tv01!N T]⻣ypv.ku4>DžvfCh1 ~dK"⚞9K!YE=2h >7لuS;;jFG*m;J0[ۙo<z=rk@)MI=OӪwH%>`z G%b7T~ARhiw!zDXrMP ϿL1{"]q*VcLeGr![x8Y_H!v X!7G wS8D",{yv籕p+b"=bI\M;ɂg+ϣ#(a+7wr;Ɠ8.ǹ}Ff-cPH_Us`+[V*ra=s3Z;4  duk& M[: Yck={qQMZfip`pt|ǻ[XN)CcKuR=D]\:=ۏ 6Du+*?{<<ks'U[?h<*0 zD8.^ԷLmz(hгڱ786U@Go }2xЋOoMfCfFpjBu|{볹xYΊߕ6lTy SO,YC5g/.I[O ߃Ml=h@"+s_>_l=$ƃL|BVq;s%t,>*^ʭD8n:7<'H}AfiZBc'{xs*2лr0|p$(_6mm[Z3u䥮oB|gG &oC"[,~N=o "r[2uuNe/.*"8q_1]̎D8?u;~DX]rjtqHdSSM;fҺ{ݻE@ߘ_Ӷgp۳!:s՘uR%N<lOevQ{{7A51SH}ځ)xl,N/!モ5. @"ͷ#C4ںqz R%QQ&?xb/i^zESyclmۙCyG4A>gt+-,6=kdl>-{^zD8I?Qb? XQ9Xbµ9lqiƿ .qzlr_$ ӼڙMp +Oxϝ uWDDTU; 'jϿuk\m2>_lZң}!Ndt{o.2a0ڱ"hd6*ҾUyqE$[/$I&+Z06_]=S;zuI '<zѤ%W͘k\Ù,$ ,i^z5&|r/rj4~ݧU晿JD=kl%m*IpU-3&wS$ zy;zn}{PcውSj],Ɨ) :׹"-3[l5`&D$B~pU%H 'YlYv֞/ ^ϝ5խvDoyU2c~yDWDӹRHٯf?M՟`'eDD'f)¢6\c6K|/8߲#>c$%uhO[7hg5])T7M}= gWw>]0,Ɨ$.nƱS=5]uX8$+z~3D=_U+}[^?XՏ=% E^Ok/Eĥ-?,y!""929z8$TV^yaʖC)ʵῴϟaeݖC ߝjLւ*^m]կڱؾϑs㒦xh~ڭNTV^jq#=EDĘ m/k{) ͵7Mul&czs6M/ "Bmb$stfޫ2{v) ZILD']|#awM'K,z30ϹQ6ҥsS %Mc|^!X[3nRэڑjpOb%XйkLjmxDo/ m{=%LHW]XcG?׭㓘Voj_D` ='ՙpVue, <^?JАӡ"3_>鹠.,w8+Y>,^SY"b&1Oўx0D_mGV!voXϗ1AX >.͋'k|Ra󕪺:[iS=^16zL`{8LTOVKά9֎,&š[yDTJnF4 lԈvxuv# vDeº= EUv,G+AruxTV-{<7':{kԌT]OߪjjT=9=*:.Pε'v.ފ2,("^k_~ZߕB׼i7q50;gsIzi1cͥjf%9ܰ__(3{Tu̅KoGk^nq3T~&DX;eE@]ڙ-YkgQIVW~c.TTֈG.> endobj 20 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 21 0 obj [6 0 R /Fit] endobj 22 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Annots [ 24 0 R ] /Contents 23 0 R >> endobj 23 0 obj << /Filter /FlateDecode /Length 1331 >> stream xW˒6+T90 }co,Urp%! 1ER|jԋb]$f3==$bQjsJ#%z* ?:VVuK? ]kyŲ,߯Mk }qVEi)6_)JJNVXV XZ 'SnE+15R$'dzxd<<^o]'] խPkn#UÓ6h[md[,/YkGipԊ!eiaEKKYu6$IbV"!UiȌQʒ$pc Ft5LֽQn0 +x(!YZN1z#]H|W!?k7R^ZuM(NXCUOOB08ărj-_;ۊTSYqܭew,xɜ(7nS\2h,CJ3-&IqbVHXN9f!NΜN8M7,힝x ^WvtsܫOMo?E]Y>im+kG$iuRi(GKɚ:[#qbyu7B&_K7zif/}D`)PΌMP`UjӦQvKĆjhR6FnA} z, e(Z W9˓FUe#[oV;ׂv#ӄ%c`-B1?zk=enǬx%(ϸ.eO~냜"ޕYfύC{'mOiTd, /p}FxWZwN4+% OqZ9}d6P'yFW_x2hzWe,X29ʘq4 -ee fl8u#Yi|EWYmW)<ߔ~<}=iiPJa/Ձ dϯ/Kf_\OWQMSh=|Qª̫hk8Y za|֐QБcp^o;":2f<uyˢ G,:ԏ@ƛ2~d䌼 ѷp@ݛ?i2> ',3Oo'a']x-Ht.bV$$O|L,Y #EZrIJ@/RG<8hبTz4(.Yes. endstream endobj 24 0 obj << /Type /Annot /Subtype /Link /F 28 /A 25 0 R /Border [0 0 0] /H /I /Rect [ 453.1880 518.0894 576.5720 530.2994 ] >> endobj 25 0 obj << /Type /Action /S /URI /URI (https://ica.ng/sectors/real-estate/) >> endobj 26 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 27 0 R >> endobj 27 0 obj << /Filter /FlateDecode /Length 1328 >> stream xݒ6fR!pÄ,Cwi-'*B7dIzưC{'ΑR O_ʕYcX.X\̷9Fk:u m>v,3>3Q!2= Mb\(?G+mЖt 7ܽ}Т,rSJzC=,:e kpEC쑷xopG|x |J"p^i7܈|9ksklwta4a) Wia 7s1uFKmw"\pG.*<(Ѭx>ޏ\YY7)UQp4.d_'Rsq1;L*TA$@ ,aO#ރ48%0zG/\T[Qvcz^۫o;u8_o'^D`gW~qsyKXm6wj3w5 I0vBQ΋;>C}W hf5kzAJ!&WqI~BY g?a!&qjs1߳f)r/1g<m pay鶗/8<'^؜a?-W_ oqz {:[CKQ i8 \7 |_b> endobj 29 0 obj << /Filter /FlateDecode /Length 1175 >> stream xVn7}Wc4ɽ%m9u(n$I]Jfw~[mSE[r̙33;R O!JYJ KsWp}|ս62z%S҂t-]MW,ZlAt[UN8|Y \-yvkýw0 IXjxXV鎄i6+)k]jkeHXZe1+AtObPk]SZ|Zo B3B[8KI|h3jiL UK xk]C>O諭JACA$T $VNõ}h]?[t1QL@9t_b}`C0.8TJdWy8*sC*KFo)vݶ+jwgsmC6┤&yY.Ō3e4pvx!9I8cV}ϯ8סn-LR-͹#ަ^!?! -o)i.:,TG߉=JTgZEӤ8Ie6\; }^ |kiohp)%a {a8c`% 0vH>|/TyPÈނ:~;c?r\ƌH/w`> endobj 31 0 obj << /Filter /FlateDecode /Length 1058 >> stream xVˮ6+f MRKgMZ"Ȃ(Po c2E[0e3s̙PJamw-Db&$m ˇ'lv~Dt:5] 6],3 Ncr(v Q;@-j] euu+kT*(vN{WF/!<"%ILxzU *tz'geKh:cyCӈ< ~s4y\ ѝ*}AHijFpzϾl7p4y0qs1(}?>%$&O SmK !Ї; - .$YHB5Xڂ|ӮPoHqSU@b셈D@GA[ q $"4 /$S![YH> ٢N1FRDZylk} ݀u5î4pFRz,.8F+E ESڌM=(Zu׌t;UDSBӐ&W׵VweDqFI{IXD$MCue/b$=FVzgƪjjq@xCx$N`.4]rʓY$cQ-%_0p⇺GK}<2K2"[ ^9!$2KB"K,0vnfeq5}sk)ů+*|{P,~#;F;W7 A9̿{\0"(𡜃Sj4 d:F~`Q^S$Λ{i}Vjy^m7/"$H&O^Vei j)\.ͬTc?ǘx(P\Gpg0/ L&Ox.v !g$ <љد%)`<&"{фTW3޶>]hv2v7;rlrRy?%>QN& 5|Gdr_jlU{msQ->^ڴ)ɩS$ x70r_v^%7rʷ endstream endobj xref 0 32 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000449 00000 n 0000000486 00000 n 0000000635 00000 n 0000000757 00000 n 0000002017 00000 n 0000002126 00000 n 0000002234 00000 n 0000002342 00000 n 0000002455 00000 n 0000013080 00000 n 0000013214 00000 n 0000013345 00000 n 0000013402 00000 n 0000013459 00000 n 0000047368 00000 n 0000062075 00000 n 0000062134 00000 n 0000062193 00000 n 0000062222 00000 n 0000062346 00000 n 0000063751 00000 n 0000063885 00000 n 0000063972 00000 n 0000064077 00000 n 0000065479 00000 n 0000065584 00000 n 0000066833 00000 n 0000066938 00000 n trailer << /Size 32 /Root 1 0 R /Info 5 0 R /ID[<45c0289342f61a2b9c1a2b199bbd347c><45c0289342f61a2b9c1a2b199bbd347c>] >> startxref 68070 %%EOF Requirements and Cost for Search on a Property in AGIS

Requirements and Cost for Conducting a Legal Search on a Property in AGIS

Purchasing land in Abuja? Protect your investment with a comprehensive legal search and property title verification. Our detailed guide walks you through every step, from confirming ownership and minimizing risks to ensuring your property is free from disputes and encumbrances. By leveraging the expertise of legal professionals and the resources of the Abuja Geographic Information Systems (AGIS), you can avoid fraud and secure your real estate transactions with confidence. Do not leave your property investment to chance; take action today and ensure peace of mind with thorough due diligence.
Legal Search, Property Search, AGIS,Verifying Property Titles in Abuja, Land Search at AGIS

Conducting a legal search and verifying property titles are crucial steps before purchasing land, whether in Abuja or elsewhere.

These steps help avoid legal complications and ensure that the property you intend to buy is free from disputes and encumbrances.

This article provides a detailed guide on how to conduct a land search and verify property titles in Abuja through the Abuja Geographic Information Systems (AGIS), including the associated costs and necessary procedures.

 

Importance of Verifying Property Titles in Abuja

 

Confirming Ownership

 

Verifying property titles helps confirm the rightful ownership of the land.

Many fraudulent individuals create fake documents to claim ownership of land they do not own.

Verifying the property’s title ensures that the seller has the legal right to transfer ownership, thereby protecting you from potential fraud and ownership disputes.

 

Minimising Risk

 

A thorough title verification helps you avoid risks associated with purchasing real estate, such as competing ownership claims, unpaid liens, or undisclosed mortgages.

It ensures that the land is free from legal issues that could arise after the purchase.

 

Assurance and Security

 

Knowing that the property is free from all encumbrances and disputes provides peace of mind.

This confidence in the legality and legitimacy of the transaction is invaluable in real estate investments.

 

Steps to Perform a Land Search and Verify Property Titles in Abuja

 

Step 1: Collect Necessary Information

Collect all necessary information about the property, including its location, size, topography, and access roads.

Additionally, gather details about the current and previous owners to ensure the legitimacy of the transaction.

 

Step 2: Perform Physical Inspection

 

Physically inspect the property to verify the information you have gathered.

This step helps you confirm the existence and condition of the land, identify any potential issues not mentioned in the documents, and gather insights from neighbours and local authorities.

 

Step 3: Execute Land Search at AGIS

 

Visit the Abuja Geographic Information Systems (AGIS) office to conduct a formal search.

Submit a request to the Director of Lands Administration, providing details such as the Certificate of Occupancy (C of O) number, owner’s name, file number, and plot numbers.

You will need to pay a legal search fee, which is N10,000 for residential purposes and N20,000 for commercial purposes.

 

Step 4: Authenticate Property Titles

 

Upon payment, AGIS will conduct a search and verify the authenticity of the property title.

They will provide information about the property status, ownership details, and any encumbrances.

Verify that the details provided by AGIS match the information given by the seller.

 

Step 5: Seek Professional Advice

 

While you can conduct the search yourself, it is advisable to consult a legal professional specialising in property law or an experienced real estate agent.

They can help interpret the information obtained from AGIS and provide guidance on the next steps.

 

Additional Searches and Verifications

 

Probate Verification

 

If the property was inherited, conduct a probate search at the High Court in Maitama, Abuja, to determine the authority to dispose of the deceased’s property.

 

Corporate Affairs Commission Search

 

For properties owned by companies, verify any designated charges against the company’s assets at the Corporate Affairs Commission.

This search ensures that the seller is authorised to act on behalf of the company and that the property is not mortgaged.

 

Deeds of Assignment/Conveyance

 

Verify the Deed of Assignment or Conveyance to confirm that the seller has legally transferred ownership to you.

This document shows evidence of the seller’s rights, title, interest, and ownership being conveyed to the buyer.

 

Cost of Conducting a Legal Search and Title Verification

 

The costs associated with conducting a legal search and verifying property titles in Abuja vary depending on several factors.

Below is a summary of the estimated costs:

 

Cost Summary

Item Estimated Cost (Naira)
Legal Search Fee (Residential) N10,000
Legal Search Fee (Commercial) N20,000
Professional Services for Legal Search N50,000 – N100,000
Total Estimated Cost N60,000 – N120,000

 

Conclusion

 

Conducting a legal search and verifying property titles are critical steps in ensuring a smooth and secure real estate transaction in Abuja.

By following the outlined steps and consulting with professionals, you can avoid potential legal issues and make informed decisions about your property investment.

For further assistance, visit the AGIS office or consult a legal professional specialising in property law.

 

For a seamless and hassle-free experience, consider hiring a professional to guide you through the process and ensure all legal checks are thoroughly conducted. This proactive approach will protect your investment and provide peace of mind.

Want to Speak with a Consultant?

Start a One-on-One Conversation With One of Our Senior Corporate/Litigation Law Experts.
Share this article

Related Posts

Oil Spill Contingency Plan (OSCP) Approval in Nigeria: The Compliance Requirement That Can Shut Down Your Operations If You Ignore It

Every year, hundreds of oil spill incidents are reported across Nigeria's petroleum industry, with many linked to equipment failure, operational

Environmental Consultancy Accreditation in Nigeria: The Costly Mistake Most Consultants Don’t Know They Are Making

More than 70% of environmental reports submitted for regulatory approval require revisions or additional information before they are accepted, often

Bunkering License in Nigeria: What Every Company Supplying Fuel to Ships Must Know Before Starting

Nigeria handles over 80% of West Africa's maritime trade, making marine fuel supply a highly lucrative business. Yet, many companies

error: Content is protected !!

Before you Leave!

Do You Want to Speak with a Senior Corporate Law or Litigation Expert?

OR