%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 21 0 R 23 0 R 25 0 R 27 0 R 29 0 R ] /Count 6 /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 16 0 R /I3 17 0 R >> /ExtGState << /GS1 13 0 R /GS2 14 0 R /GS3 15 0 R /GS4 18 0 R /GS5 19 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:20260825160143+00'00') /ModDate (D:20260825160143+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1843 >> stream xXn6}WK%X'N}@K]º]ҟtHn^:"Rۙ9#|>q8_f ]xiO_:y'ݓ_9XgŰKo$VCSmD V"縔|W5$ݟj:HB=W8^Mޜڎ5~G_pJQ7*-#*pn Y-2լTx5ӅqZqC7lwUj=B ֢de*XH֜cqf%J[xnsQny)fL;ah'4[.doq*L8||l> \jG<ߟPPpU-l$]>Df8t,u@^AV,+X}jeys8gϔ\[ kaUi[gL 0ۮ|0HсsJ!@lXn:$lXs+$3D&*GW[X]ivXsF-Fh[1ԅ$ ̅PiUܔUf!AC6&>Z7U%9,T_~ꎃ}yNcwڑs~zN'h7FX buG%?䉾&qWgd?䣠? o`N00nPш~47PؘʬZʁd-]&! [WX"$l4jF&{SfsyTzJFwP}O`\ .-+nKMo%`"f&6< ӧ ӓQZG"ăqPvaB}Juagƈ5FIA\F}]`% LJeD d2m:n!z9=,l "6<6]-Y[l舁(cǦ7$ x;Q3o pұ{#DKAiE IИn1#ǒ"Wgd?䣠? o|3~']ar84isM{x)Y+ygv7jlw!l?;4뫃*F_f46qnűYDŽy_0 [N66}xFwhHof{N(3_ ]z"$K Dcc$HkzA0E!~}}9%]|+ c7$. !|}q { ^bzz\HcInLx"ˤ~\.O}ث>ynGg0s@kD.v8J_C´A  Mg|ڼAAJey 2^YF8 Cc2-w0$lIf]"ۑL`+Ί  ,u1Kh7A@4 ]`_ BUy65(8r?ϊ 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 300 /Height 168 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 8004>> stream JFIF ( %!1!%)+...383-7(-.+  -%----+---+----+----------------+--+------+-7---.--7,"F!1Q"Aaq#23r$Rs4BbtCcS'1!2ABQ"a3C ?ީIc IYXr@0@%I$a(I J%(`DD Df!bJӴ{K!r/֣U]w =a54H0A+XJ9 KrSJ-b}r AA6`-$,a"J! H[X6M3h=iLz~ 5bcZ`qI$i# d{ZTu\Ah[Yh_;&;>.7 Eh6I8oC]+dK. voY> %ݰ 8yjb8% Đp^pܩj-Ee;g+E+J|!fq#tAc=IAlnJJ1}7S8h\ pڴF` ztT!1c^/s7mj,5]xpʱ|`=5nHc2v>j_B;Qzm; ׹UY<̎w 徏/Wh%7[G&TtviƬxn"WVVaCdRY333a< 7᜼ª&n]Hflkx. QPAk 6k; m g쯬,q(̊}!EFު4Ӥ LD'4bʙw F0dCʣI锧lvjL ԀfyoZ]=sۋfEl:-( h{ NFcfd5$+xnr^2<. $#)c+ N(7La wyXx/iT씊xk{,қF6#m0p#`L;Ebx:>X\\qhRkEL hB''1/0R$h1bu* Dfܦ} ^%C᷹OSiL:zƧo+ʼnh'sAtTonY9y٬`z C&55A30v*&FRZ9#Q|62I׶@.Qk["ڴK98n8%QW|, !pUM K]<;I.L[dDZѿjy1I:6SU Qu {4.\}8g)pId{L[G 8ќ\K$2RcsLot-Frud4}ü뾈KNxy.cB<>;2乍g eKOҒSǼDwCbdfڱS,Yxeލb3\:Q,nDP3c#6@DrT.& M\G$zǸ.wTfX)&R"XZ1~%A>᷹M Ԣth? zCc|Cf[I:Vc|Cʺu;{QjǨVLg=Cjdޣ.chJG\sޑ%WPq`,8"uw7 뻋ʲ$QBcE9=x=Wqw?S 1VXw?S ǣ; u(*&$HܘE+7eyܞ81κW̧EcC?®4pª=Q 2>ܪcq `1"Oܹu\yX7?|jrڿ|eGOҒ/yk*{̋4{}< "uJyfJrzfJrܛx? 6fVI_%t|{<>W+;T|EoY,"M %D!Tz{4 z>Tz<S4:H盕}#ny9M)yWu۳5 9WuM>QhJytbS,OV"'9L X؄#.`欉eM'QB eQNQ ,:ZOHt1z՜1Ҿeԥ7-z'`OU\vjb9uN.qOѡ{%m jQ gܭd.*2 Pwn?1I3Lxvˠh"a߽t 1<ԦqQysބu_PUK\ &K.SHӔ`׉zс0CF\qSuC}o%W٣|7JEWBl=O˫.|_v ޠGuY9L-ä;FoP8YsY;r@O*+9wj@?jM#F]ǩD*84x~U4qS>¬X؏7.ٽ./8~ɸqvY"lTu?U#7N:k,<ꮑvCw'nU}DfҖ5=˙B"1Hto1Sܹ(SD2/Xtvn+c^HcyWp9dUBDꗦooW<rMLyfJMs|cw~@'wW.P2^tQѦhE riL9O%B3%WBmZLeD;*9 9E6Dtc!^mnR93%v׺zvjVlte[ýGzKTg> NeWpS#.u4q)z3 Z' ^B6Dodb1.`ƆME7= %<ؽOWŔʱ9z/(<aʳWCT:[lk͖!Wl}݆ee7"g>ď˩F<3n䘎50'hxRj9Kbor߂WѠr-ڐzs&L):oLdv w5)]JeWS*dL =]6GGY# H袲 t(xRX7juz̾nջ:⭴~/D#i~s69ҕK+F[vIt}|^QȢMx$V{}fDq2LܪMןnNAq9ܞ:iXVN:k"Ŝͧ@N%"mg\HNq*{.9s?ȣ 4hFe i{]`\q? n,1\S'yGm(ڿsqnewy\4+[B8oWUa kZ6 6OR332oJlw;HnZC%sv|EB #Jc ڱ1v.ωUјCA mtVfd7m<zøGoNzøS-&kdK?"׆֋o Br*jߎI 3&9eU7% zFcTMS 2gkoچ=p;ީ,T7yT*uimhܕ \f@e)Jnm䜷Ր[|OjW " EkZ֜;i4^E䓌8"-.B"\:DorKpaTHU`Om=g3,)Kb4bLXbZqxZj \mHa|I@,wLnuL)FR4q>e>%׃/;9Mә4uyYm޴;u.ɰ ==H730ׁ.*.tLb@~/:sR^?^s.o@޷Ani nr%z4Bm`H)̋S<&2Oiė b#mZ2caޕN.lÄvѰ7]u "qk,fܥ,{RCa.d6h-1;-HG)@^nXF8a26g9qTGPL 7uW!JgxP($%IXW&PaYNskؒ4N9v_O*B&ql92qߢT_W ^}`\CղN٬Ne ;VVMyԼg .kM8qWj39C榧!94&S|.7Ini%v/G9d S?eLOآiN$: 2q[ ]6ͱB0mnB"JdF'_ʼ&#~wuq ٜcy8T;"я 8! }|7&$|-#~Fvp I2֙!,Ch,ȶ-6]ꮗVdž'cbeȦ+^g|I)p)V\ L'x2 mdGLohl7=G1?)޳HW*,(Օ" 9 0$U3mJ#^x"I|`\U+EhlwUkȝReqLJ8WLL2Q&4T6="C4gi Js#)'(,WۚC |,8(1J`yq#t}PN3ic6W;VTn%+ \=Nh ?t7!&ń}d6 l$.}0͖7u۽nW4<~)9{e]y.|S3iU;&Wߊ ˦ h tsm ejv .A;mTAΓ^1SfC}n3+ P'C~K+})nBnX5ZܿTȑe픈4H&QTbd:9MCZbA`ix8 c'/+Mhcj\㑿! $ Ķvf+5ڲu04@H̓*R0p7ݼA؄\\@!4"'xOi]AqpldI,X\PpKr\(m{Adb!Z3x|Ѡ D[=^ k3}Dy`{-a[fZLھd [Ekαh8M2ԴЂ 1vF@x{t/~_!=U" endstream endobj 13 0 obj << /Type /ExtGState /BM /Normal /CA 0.67 >> endobj 14 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 15 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 16 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 17 0 obj << /Type /XObject /Subtype /Image /Width 600 /Height 600 /SMask 16 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 19 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 20 0 obj [6 0 R /Fit] endobj 21 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 22 0 R >> endobj 22 0 obj << /Filter /FlateDecode /Length 2665 >> stream xYrF}WӖ]eØ`Er)VR>yHPJU|ɞ\AB7a_LwO,8fyYGYH(9&r"Se:EYEYHD Rx"SKU'sp=Ňiijve%>,~qT98J2]QOڍu0"e7I!pJx6rƺm5۲5St4:7{86̮j,};<].I+@'kӗȆͮٮkǻmʱd]ƾlr=~_6jx}yذ]כ(Mhغ\ZnWlMYC yd]ŸXoV{9&^ɸ@UE qd5>{؆@*VZC)Юk :<ɵv"S椳(Vv8@%2[խ;iFXq5 TU(e;ahP!|.v]rBI [-+Gr=<˱b~w@'{ǻ3iB{_e3LUSbp 9Y_wr hSVRf2$df.niAI,Db֐nJxVֺ͒yJ0(e-ڑ4D3JY&=(ݹqmuɷyO@)SP^Vu0Cdpb.skdR_Sʾ ;@M&@9Mj}vMw[J$M+ߪq /Mu_5~Gy~hYȨzB"F@ȗ8V88Ds ԠNOW#p@,f?__6#*NHh8 "+QpԷM]V2,(1 aLbyakug%]q:;i]z8뺶8<k!+,[.k18ow&]qvFFiKV6qGϧjϹk^.1<_Bi|.}T.zBS3u^j-~g_طgoY}}OkjtR.lO-Ӏz}]|Z]^{>jI 9W~/SW4uSJ?3o*tFk )t |"sr_>RÆG@Yz_S_OmL*<9ZIΣDCv^th#Pxc>!tęp}r S* /z(NKH7twuNZ2ЮQkL;P{tZֹíos&ݺ9]n#g۸?|B7)O0zй[?߼ٷTvfg~tP ߞd$. \8ĀTpq˄\1`X9ĀTgnHnJ3͙[7Kj=bdt9$I#W<@LCL 2]1vH86rƺm<"fuP`>x 1?o뫊=V[i#J~}{Voi}xT p6E EBepP[n@dsyK:Ըu}nNZk]Q|vޡI Bgy+No7\ Y,]5nH86rƺ<ǨJ }Uny{Ns&{MЪypkV}o?W_uBskuYLqOͮOc.㸈tjt{5W4f]6۳{a=2nG|`mn,XNP7 Y{ Wp:f`pZG,U|^QZ*~8՞[(}JG\xoklvz-H/S @XǗ`\!xlHOBgŁɀpL]0Kob">lM^38lͪf |)/~'eǩ =H/z f Np9f?ӇI&G0;acF> endobj 24 0 obj << /Filter /FlateDecode /Length 2165 >> stream xXn8}WbpuI1q0=Dǚ%7%%cgKPdC7f""YU:eY4Ϯ |hŭK6g-WD4+ػhnz<mE\od^ guV\qOrh2't[ 1}QVʩieEmS:R E*PF`3v \{`6TuRJU.&e V d2RQKH`ZqTI ̢"vxQw3/c[=ӣ'f;bf@\+k+UTE^h+*zIcD(/d f|.$͟wiDJD4tExcF!e"i`Bqrk.UN4Uf%n,/*}AFTgUс6GYDw4u\iCГEe47ORiVlY4ٴ=[&Rږ9ʋgm VD2Kf+׻'#q@:@7c.rM@GNVk.9w67;9Tr:J&Gt?<t'r+$2Ed*+Z&t7Ğa<*K-}#R}I%ڮ mZE0COu4iῤu]WY."IW+J(F*=gB8E82WE;0ߔ7OqBRcZ~(eS}"R;dJ8(2ӴH,QM xM ,hH #%>Xޮ9}N1M䦜xzTEJ6N/5ִ:oXO]G<.2 <5FPܔSO˄,<9P~G^YW0ϵ[YTrK%vv%Q%mR5Ny{%zp&Ccg>COx"Cn д]f83'zMBV {M =|/llhuwb[܃owgyB pߣ>ľo6[ٝg;ϵn;>:^yo\q?U'#GwWak%mihAwѕٞ]ehẼ ڤ 8.:c40];돟ۭK8".0;fX.rDαÎ)\gؿ߳g`=z{Mwza =g;qs\cu98=ٝg;ϵ;؎=gSufxzx-Ѯ!dSecJQN.5 8mӏv;f=_AC,> endobj 26 0 obj << /Filter /FlateDecode /Length 2434 >> stream xYnFSf9^rdtm,^Խ`$&LZkIzf4N|c¿!ÉPI*1JIThqIb?J赏l$' T$$) 1qH4}Xzm䣴͌n37Z6M@ $m~ͫezޖ]F7!g(ITg>y+nZԕMSw+WUPַ+P,የoж-y[Fe%h>O~(YK"bLS/ 0G2K~dґ}>I ur;-cYB@; O~ oa>63Nhum}KHe8BpgUO$K'GwgW@n[,].P)x `D?`u?4+Ԗ=Ѻo{yD{bzZ9j@Ң;ŰfZ,$l KG!A6zS%2KG!|3tttpan7wtgQ,QkA-!Q@*}\::ȭ}̜3m|&~BBœ=*rwvߺuGPKxhjd mlEPWˣ&gOr)'!?  PPGC`؀`PM'o>\t۝h10~Fx aJЊF*tP_4Ks A2|_7O$3":~27Azr(&qƯ';'@'َvTLin O.^٠1r~2uwMףWC>Ji8QNceZ̤:(pşmӯoNu,R=em?nt:/0dÈqXYfAm4!T=!L_A$*%̔wM1۷hWځ3ۼlJB.cP`B+ݲm ۦۛl4GeJ4"l.h\ͽjD@7&,j%{-ܜQ*ar2rԯ?;ᘨ"PKb) s|_|2M,r<Dž֪"`$2Ufv1 <#6 i1 pVg{wY㋊e<ŨbL݂êLSiߡB,GU !WOmQћӋߖ8`3n g60v=HK [L3?)0J i )#2̷&5g@<,rdag$8D9y ex΀>~[\| w >#O`| mb$3^`'u!4IqӃW\>!rJDQ;˰S͍ՁJhmbdAr5{T!y,ɲ$屦{&(ϞCWM{8[Q]*XMd/cxtp{ H !5?U^( ёǴ, ,2l̷6~sJ`ϱP8@qy ͮӻ:oL':_½j;50F-M^VAVߢAe\2tA0Tא!@F$.N"`>8UNL󞯊uzk׼w>E 6y Z`SEepk9'YЛ,@<$ $Qq}MD.`>hZ{7F[:[t(}($A4L2f}EVwWg ?^ endstream endobj 27 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 28 0 R >> endobj 28 0 obj << /Filter /FlateDecode /Length 1761 >> stream xXnSe8\^N6ۦh쉁hzHt,DUJ`rnσ퓜!%۲fӢ7<83}I@ {:\@ݏG$ RXS4%,}sZ5Ss5jv(% gPJBl%p<.rq1G}?e.-`V% ĺ{ٽ3<|swpJ\Y$EZ=YLxzAЂTԦlrCඩփ< ܢyel..7}g5?HgYSWТ(A7bABԗt7bG}m;"9밉mEG/*=""Q$|5rQHu~sg,²oXRtMe_IK [~-ΠI :شAe*co+H|i@xĵ7[Ad;XDė [ڕj'lQ5lTSNX$[IDx8HJB4_99&w4L8B?oC1.3nJ*0;1 N05Xo%t֑up}՝$tߝAbݱn"lWGGfݑc?n|d~?"N  `.6Oxdˡ%y7,ʹ~Fj22<~Y #k;2G~-QOG#C pZV?ţXZzb1&Ρr(`9AR 40] Fz4N߁ SBɜb"c04@ibw)iq2NG-g |-~:`;);siSwܓbѦ >pF+;:sַzd,^.qagMئj) \ͯЍ'<2 ^6=hpPyo\tkf ||bRڒF;1"^xhL,ŇLt8bS w0"_2F5g97h!#R/'9HXI8n$HIlC7%5DYLF2L6}:XI\^7oaG^{,6$Ei'I+2/tc?e51tm[1CpOy nB|Eg83ğg:ّ&`{9, wƉ#" g䌺}eO]-筱I]޶9Cwۥñ 6_Aᯝ],#UxBύ)E`g,s'ؚUWb^HQO`ҢŜX9ҁ X8ޅ>¸B> endobj 30 0 obj << /Filter /FlateDecode /Length 1400 >> stream xWn8}W.*$>Υͥ>}`$Z&*.I50?/!e[rʹb'9IaOU/ KIsXTp*!,xGÇ3Pɲoyg40A/Pz'XXxjl÷/_[;[Lm`9v`8F->m ^A~DW6}%ڗɃ9{='PkgFBx>C5. cnJ[5nN$N0 X%Im"Nt M 7ӣGan,07hpfcz( PrLkVǽf ,n\mLgrEs'nxe37@b76 x3U{WC,xׯ +WF"1wٻ} :u)ga~QS IxPߺH E[]BHdQZ987J* 2^B6_8b;?ڽVpP0OB$Q9N0 #~"`+sk $*q$~P;i!Ѹ8Wpn/a6]\WHh<30ZU7ܯp|+x\L4VE&11!.^k;.B([87czLHSx>D1Y RJP##'i:H޾ݖ1/YC,;q8D B~^c\(qYӲa.M1 {Vs8JHc=̧rU \U l}Pw="EQ Σ+`j{GI ev endstream endobj xref 0 31 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000468 00000 n 0000000505 00000 n 0000000654 00000 n 0000000757 00000 n 0000002673 00000 n 0000002782 00000 n 0000002890 00000 n 0000002998 00000 n 0000003111 00000 n 0000011283 00000 n 0000011343 00000 n 0000011400 00000 n 0000011457 00000 n 0000045366 00000 n 0000060073 00000 n 0000060132 00000 n 0000060191 00000 n 0000060220 00000 n 0000060325 00000 n 0000063064 00000 n 0000063169 00000 n 0000065408 00000 n 0000065513 00000 n 0000068021 00000 n 0000068126 00000 n 0000069961 00000 n 0000070066 00000 n trailer << /Size 31 /Root 1 0 R /Info 5 0 R /ID[] >> startxref 71540 %%EOF How to obtain a MMO License in Nigeria (2026 Guide)

How to Obtain a Mobile Money Operator (MMO) License in Nigeria: Step-by-Step Guide (2026)

Over 60% of Nigerians now rely on mobile money for everyday transactions, with the industry processing over ₦13 trillion annually, according to the Central Bank of Nigeria. As digital finance reshapes the economy, obtaining a Mobile Money Operator (MMO) license is now more crucial than ever for fintechs and telecoms looking to tap into this booming market. But the process is capital-intensive and tightly regulated. In this comprehensive guide, we break down the exact steps, requirements, costs, and insider tips, sourced 100% from CBN’s official regulations, to help you secure your MMO license and scale confidently in Nigeria’s digital finance space.
How to Obtain a Super Agent License in Nigeria (A Complete 2025 Guide)

The rapid expansion of mobile money services has revolutionised financial inclusion in Nigeria, enabling millions to access basic banking services via their mobile devices. To operate legally and securely, firms must obtain a Mobile Money Operator (MMO) License from the Central Bank of Nigeria (CBN). This comprehensive guide provides a step-by-step roadmap, sourced 100% from CBN’s official documentation, on how to secure a MMO license in Nigeria. We cover eligibility criteria, capital requirements, detailed documentary requirements, application fees, procedures, timelines, common misconceptions, and curated FAQs from “People Also Ask.” By following this guide, fintech start-ups, telecom subsidiaries, and financial institutions can navigate the licensing process efficiently and position themselves for success in Nigeria’s dynamic mobile money ecosystem.


Understanding the MMO License

A Mobile Money Operator License authorises a corporate entity to provide mobile money services, including mobile wallets, peer-to-peer transfers, bill payments, and merchant transactions. Under CBN’s 2021 Approved New Licence Categorisation Requirements, a MMO license falls under Payment Service Providers and is distinct from Payment Solution Services (PSS), Payment Terminal Service Providers (PTSPs), and Super Agents .


Regulatory Framework

CBN’s Framework and Guidelines on Mobile Money Services in Nigeria (July 2021) sets out key obligations and supervisory measures for MMOs:

  • Statutory Returns: MMOs must submit monthly data on transaction values, fraud incidents, and customer complaints by the 14th of the following month.

  • Sanctions: Non-compliance can attract corporate approval withholding, financial penalties, suspension, or revocation of license.

  • Review: The guidelines are subject to periodic review to adapt to technological and market developments .


Step-by-Step Guide to Obtaining an MMO License

Step 1: Incorporation and Eligibility

  • Corporate Entity: Register with the Corporate Affairs Commission (CAC) as a private limited liability company.

  • Memorandum & Articles of Association (MEMART): Objects clause must be restricted to payment system activities permitted by CBN.

Step 2: Fulfil Capital and Financial Requirements

  • Minimum Shareholders’ Funds: ₦2,000,000,000 (unimpaired by losses).

  • Audited Financials: Last three years’ audited statements (if applicable).

  • Escrow Deposit: Place a refundable ₦2,000,000,000 in the CBN PSP Share Capital Deposit Account No. 1000014009. Funds must be deposited in one lump sum, in the applicant’s name, and will be invested in treasury bills until refunded.

Step 3: Prepare Documentary Requirements

Compile the following:

No. Document
1 Certificate of Incorporation
2 Memorandum & Articles of Association (restricted object clause)
3 CAC Form 2A (Return on Allotment of Shares) or Status Report
4 CAC Form 7A (Particulars of Directors) or Status Report
5 Tax Clearance Certificate (last 3 years) & TIN
6 Company Profile (current operations, products, services)
7 Holding Company/Parent Structure (if any)
8 Ownership Details (public/private, ultimate parent, changes in last 2 years)
9 Total Number of Employees
10 Organogram
11 Physical Address, Company Email & Phone (domain email required)
12 Board Structure (Chairman, MD/CEO, ≥1 Independent Non-Executive Director)
13 BVN, CVs & Government-Issued IDs (NIN, Passport, Driver’s License, Voter’s Card) for Board
14 Line of Business Details (if different from MMO activities)
15 Business Plan (nature of business; scheme features; security; 5-year financial projections; charges schedule; profit-sharing; transaction flow diagram)
16 IT Policies (privacy; data ownership/disclosure; backup/restore; network security; encryption; data confidentiality; password; third-party connection; incident response; physical security)
17 Enterprise Risk Management Framework
18 Dispute Resolution Framework
19 Business Continuity & Disaster Recovery Plan
20 Draft Agreements with Technical Partners, Banks, Merchants, Telcos, Others
21 Project Deployment Plan (timeline, locations, operations)

Step 4: Pay Application and Licensing Fees

  • Non-Refundable Application Fee: ₦100,000 (to CBN Licensing Fees for Payment Products Account No. NGN140230089/ABJ).

  • Licensing Fee: ₦1,000,000 (payable before final license issuance).

Step 5: Submit Application

Address all documents and payment evidence to:

Director, Payments System Management Department,
Central Bank of Nigeria, Abuja.

Step 6: CBN Review and Approval-in-Principle

  • Initial Review: Verification of completeness and compliance.

  • Approval-in-Principle (AIP): Granted for six months, allowing the applicant to prepare operational infrastructure and partnerships.

Step 7: Operational Readiness & Final License Issuance

  • Operational Audit: CBN inspects IT systems, merchant integrations, agent network, risk controls, and compliance processes.

  • Final License: Issued upon satisfactory audit; validity and renewal terms set by CBN.


Cost Breakdown

Item Amount (₦) Payment Details
Minimum Capital 2,000,000,000 Shareholders’ funds unimpaired by losses
Escrow Deposit 2,000,000,000 CBN PSP Share Capital Deposit Account No. 1000014009 (refundable)
Non-Refundable Application Fee 100,000 Licensing Fees Account No. NGN140230089/ABJ
Licensing Fee (Final License) 1,000,000 Payable prior to license issuance
Total Minimum Outlay 4,001,100,000 (Excluding operational setup & professional fees)

Timeline for Licensing Process

Phase Duration
Application Preparation 1–2 months
CBN Review & AIP ≤ 6 months
Operational Readiness Preparation 2–3 months
Final Audit & License Issuance 1–2 months
Total Estimated 10–13 months

Note: Timelines may vary based on application completeness and regulatory changes.


Common Misconceptions

  1. “An MMO License is the same as a Payment Service Bank (PSB).”
    MMOs and PSBs are distinct. Only PSBs can accept customer deposits as bank accounts; MMOs operate e-money services without deposit-taking powers.

  2. “You can apply with less than ₦2bn capital.”
    CBN mandates a minimum ₦2 billion unimpaired shareholders’ funds and matching escrow deposit for MMOs.

  3. “The application fee covers all costs.”
    Apart from the ₦100,000 application fee, a ₦1,000,000 licensing fee and operational setup costs (IT infrastructure, agent network development) are additional.

  4. “Approval-in-Principle equals license granted.”
    AIP is conditional; final license follows a successful operational audit.

  5. “Once licensed, reporting is not needed.”
    MMOs must submit statutory returns (transaction volumes, fraud data, customer complaints) monthly by the 14th.


Frequently Asked Questions

Q1: What is the capital requirement for an MMO license?
A: ₦2,000,000,000 in unimpaired shareholders’ funds plus a refundable escrow of ₦2,000,000,000.

Q2: How long does it take to obtain an MMO license?
A: Typically 10–13 months, covering application prep, CBN review (AIP within 6 months), operational readiness, and final audit.

Q3: Can fintech start-ups apply for an MMO license?
A: Yes, provided they meet CAC registration, capital, escrow, and documentary requirements set by CBN.

Q4: What fees are payable to CBN?
A: ₦100,000 non-refundable application fee and ₦1,000,000 licensing fee before final issuance.

Q5: What documents are required?
A: See “Prepare Documentary Requirements” table above, 21 items including incorporation documents, business plan, IT policies, and agreements.

Q6: Are MMOs allowed to hold customer deposits?
A: No; e-money held in customer wallets must be placed in a client fund escrow arrangement distinct from company assets.


Conclusion

Securing a Mobile Money Operator License in Nigeria demands rigorous preparation, substantial capital, and strict adherence to CBN’s regulatory framework. By following this guide; sourced entirely from CBN’s official guidelines, you can confidently navigate each phase, from CAC incorporation through final license issuance. Proper planning, timely statutory returns, and robust operational systems will position your firm to harness the full potential of Nigeria’s fast-growing mobile money market.

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

Product Certification in Nigeria: What the NIS Certification Mark Really Means

In Nigeria, SON operates both mandatory and voluntary product certification schemes, yet many manufacturers still confuse MANCAP with the NIS

Employer-Based Health Insurance Scheme (EHIP) Registration in Nigeria

With Nigeria’s health insurance framework making coverage mandatory for employers and employees in private-sector organisations with five or more staff,

Environmental Management Plan (EMP) Certification in Nigeria: The Compliance Document Most Businesses Ignore Until It Is Too Late

Did you know that environmental non-compliance can lead to project delays, regulatory sanctions, and even the suspension of business operations

error: Content is protected !!

Before you Leave!

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

OR