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7/23/2019 BNM 2011-4
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NVVK 745?-8558 $X|nkr.NVVK 745?-6
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MNKNVR\^ CJ FUARU\E GKBRCU\NVMKGRNCKGALCCI FDGMLE\ CJ RDE \EXULANF CJ MCABCZG
Kgrnckga Lnlanco|gxd~cj Mcabczg
Lcciv+ Glvr|gfrv+ Rdevnv+Mgogpnke gkb kewvxgxe| g|rnfaev
Xulanvdeb j|cm 7>54Nvvueb ckfe g mckrd
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MNKNVRE\UAFUARU\NN NRU\NVMUAUNFGME\G KGNCKGA G F\NN BNK \EXULANFG MCABCZG
Lnlanco|gjng Kgnckg-
a g Mcabczen
F|n+ Gurc|eje|gre+ Repe+G|rnfcae bnk |eznvre n png|e
Ve ebnregp bnk gkua 7>54Gxg|e aukg|
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Gafrunrc|n 0 Zgaekrnkg FDNRC\CGO\ekgrg FCPCKGFCaeveg PGLNGFCFagubng LOUKnkg MNFDE\NKAubmnag FC\ODEKFN
Rgrngkg BNGFCKU
\ebgfrc| |evxckvglna n fcc|bckgrc|0 Zgaekrnkg FDNRC\CGO
Bevnok! redkc|ebgfrg|e fcmxure|npgr0 \ekgrg FCPCKGF
BEVF\NE\EGFNX GFGME\EN KGNCKGAE GF\NN
Lnlanco|gjng Kgnckga g Mcabczen = Kgrnckga Lnlanco|gxd~ cjMcabczg 0 F|n+ Gurc|eje|gre+ Repe+ G|r+ bnk |ez+ n png|e+ \evu|ve eaefr|c-knfe 0 Ve eb+ bnk gkua 7>54 0 Gxg|e aukg| # Fgme|g Kg+ g F|nn bnk \ex+Mcabczg 9 gafr+ 0 Zgaekrnkg Fdnrc|cgo! \ekgrg Fcpckgf! Caeveg PglngfcYer ga+] 9 |eb+ |evx+ n fcc|b+ 0 Zgaekrnkg Fdnrc|cgo 9 bevnok 0 \ekgrg Fcpc-kgf+ Fd+ 0 Fgme|g Kg+ g F|nn! ?4->>?5->?68-6-4+K| 2! >?5-2>-8:5-4 $X|nkr.+ NVLK >?4->>?5-2>-842->$FB.+
875$2?4.
Fgme|g Kgnckga g F|nnbnk \exulanfg Mcabczg!
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
5
F\CKNFG F\NN
VE EBNREGP BNK GKUA 7>54
LCCI GKKGAV
XULANVDEB J\CM 7>54
GX\NANE
?5-48->?5-48-256-8 $kfcx+ rg|e.+ Y
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F|cknfg f|nn K| 2->?5-2764-:-
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7/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
?
Lnlanco|+0 x+ ?-688 $?5: rnr+.+ 7588 et+NVLK >?4->>?5-57-
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F|cknfg f|nn K| 2-?5-:?-?26-7+Y?5-:?-?22-4+Y]+- - 7+ Mno|gne \exulanfgMcabczg+
672+?$2?4.
544+! + + TNT -
TTN + 0 # + + 9 + +0 + + + Fd+ 0 ,Og|cmckr-Vrubnc, V\A! ?5->448-:-6+Y
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
>
NVLK >?4->>?5-:?-?28-8+Y->-:+Y
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F|cknfg f|nn K| 2->?5-:7-:84->+Y?5-2764-2-4+
Y
7/23/2019 BNM 2011-4
11/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
77
Y
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F|cknfg f|nn K| 2--?+Y57-667+785+22$8>>5-7>>>! UGR Ooupng]+ + 0 JXF ,Eaekg-Z+N+,! -55-
662+?44)>
664 Vnrugne efckcmnf+ Xcanrnf efckcmnf+ Fckbufe|eg efckcmnen+ Xagknjnfg|eg efc-
kcmnen+ X|cbufne+ Ve|znfnn+ X|eu|n
664$2?4. Vnrugng efckcmnf g \exulanfnn Mcabczg
\exulanfg Mcabczg be ag etfaupnuke vcfnga ag c bepzcarg|e umgk nkfaupnz+ Zepn K|5>7+
\exulanf cj Mcabczg+ J|cm Vcfnga Etfauvnck Rcg|bv Nkfauvnze Dumgk Bezeacxmekr+ Zepn K| 5>
7/23/2019 BNM 2011-4
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
76
Lnlanco|+0 x+ 764-76> $?4->>?5-?7-846-7+Y+? Jnkgke nkre|kgnckgae:8:+Jckbcv $Aukou.! RgrngkgNkzevrnnnae k gfrnznrgreg nkzevrnnckga 0 $Odnb bnbgfrnf. # Rgrngkg Jckbcv $Aukou. 9 Uknz+
Anle| Nkre|k+ bnk Mcabczg! Fgreb|g Efck+ Mckbnga n \EN+ Fd+ 0 YUANM]! < x+ 0 jno+ 9 ?4->>?5-787-52-?+
Y+?
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
75
- - 7+ B|exr fckvrnrunckga \exulanfg Mcabczg+62>2 0 074+84+7>>2 Mcknrc|ua Cjnfnga K| 7 + K| 7 0 0
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
7?
\eonmua `u|nbnf ga fckr|gfruaun be kgzacvn|e k b|exr fcmxg|gr! fu vxefnga x|nzn|e ag b|ex-rua |cmkevf n |uvevf # Aecknb Fdn|rcgf 9 Nkvr+ be Nvrc|ne! Vrgr n B|exr ga Gfgb+ be r+ gMcabczen+ Fd+ 0 FEX UVM! 2$8?5+4.
62> \gmu|n vxefngae gae b|exruaun
62>+6 B|exr vcfnga
:>?5-2748-8-6+Y+6
65GBMNKNVR\GNE XULANF+G\R MNANRG\
655#65> rnnk mnanrg|+ Jc|e g|mgre
:?5-2
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
7>
:68+ ?4->>?5-:4-7?2-?5-:4-7:4-7 $FB.+ Y
J+ j+ be rnr+ + $AEB.+ 7888
et+ NVLK >?4->>?5-78>-24--2-6 $k fcx+ rg|e.+Y
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F|cknfg f|nn K| 2-4$=765+?5-785-2>-7+O|grunr+ Y
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
?5-78:-:>-:+
Zca+ 7+ ?4->>?5-78:-?8-< $k fcx+ rg|e.+
Y>?5-275?-8-5+Y?5-?7-8?5-:+Y?4->>?5-78:-78-4+Y8]+- - 7+ Gragvuaxv|nac| facfnrcg|e bnk \exulanfg Mcabczg+
5>4+
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F|cknfg f|nn K| 2->?5-276:-5-?+Y
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
?-8-6 $Nuangk $,Ebnr-X|evr, V\A.+Y
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
>?5-5+Y
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F|cknfg f|nn K| 2--8-6248-878>-4+NVLK >?4->>?5-272?-?-?+Y4+4
::8+ Mgmcr! EuoekZ|egu v fkr n eu 0 Fgner be fkrefe n fcankbe xekr|u eaeznn fagveac| x|nmg|e 0 Yxe ze|-
vu|nae xcenac| mcab+] # E+ Mgmcr! Z+ Fnclgku 9 jcrc0 C+ Meaknf 9 fcx+0 \utgkbg \cmgkfnuf+ Fd+ 0 Y,X|nmet Fcm, V\A]! -8-6248-87?4->>?5-2-8-?+Y
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
-45+ 58 et+NVLK >?4->>?5-?7-8>>-
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
:?8+ Lgagk! Nu|neGfeegn |gk 0 Ze|vu|n # Nu|ne Lgagk 9 xnfr+0 Zncaerg Bnc|bnez+ Fd+ 0 ,Lgrnkg-\gbco,
V\A! ?4->>?5-2752-:-8+Y
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F|cknfg f|nn K| 2-]+- - 7+ Anre|gru| |cmk bnk \exulanfg Mcabczg Xcepne+
4?5->24-2:-6+
Fg|reg 7-g+ >?5->24-2?-8+ Y5]+- - 7+ Anre|gru| |cmk bnk \exulanfg Mcabczg+
4+ Xcxcznfn! Recbc|Fuamn kr|e fuamn vgu x|cvrng cmekegvf 0 Yetx|nm|n fu mnep] # Recbc| Xcxcznfn+ Fd+ 0
V+ k+! >?5-78:-5>-?+Y:]+- - 7+ Anre|gru| |cmk bnk \exulanfg Mcabczg Etx|nm|n fu mnep+
4>?5-78:-77-5+Y7]+- - 7+ Anre|gru| |cmk bnk \exulanfg Mcabczg Mgtnme Gjc|nvme+
4
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
67
V ke r|nern! eju' 0 $Bevx|e ejn lukn n mgn xunk lukn. 0 Ygjc|nvme vgrn|nfe] # Recbc|Xcxcznfn+ Fd+ 0 ,Eaekg-Z+N+, V\A! >?5-78:-::-5+
Y
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
66
:>7+Fcac|m gknmgae 0 >::-:-
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F|cknfg f|nn K| 2->-7 $fg|rckgr.+Y]+- - 7+ Anre|gru| |cmk bnk \exulanf Mcabczg xekr|u fcxnn Xcepne+
46 Xg|rcae
:>?+ Xg|rcae! FagubngE mnkukgr v jnn ebufgr $n v f|ern mgkne|gr. # Fagubng Xg|rca 9 xnfr+0 M+ Xc|feezg+
Fd+ 0 ,Mcabx|evg, VG! ?5-2747-7-> $fg|rckgr.+Y4+ Xg|rcae! FagubngMu Mcrknf 0 Yxcepnn xekr|u fcxnn] # Fagubng Xg|rcae 9 xnfr+0 E+ Xannkg+ Fd+ 0
,Mcax|evg, VG! >?5->>+ Xg|rcae! FagubngMuukgfde fu r|gfrc|ua-vgazgrc|ua 0 Yxcepnn xekr|u fcxnn] # Fagubng Xg|rcae 9 xnfr+0 N+
Eoc|czg+ Fd+ 0 ,Mcabx|evg, VG! ?5-2747-6-6 $fg|rckgr.+
Y
7/23/2019 BNM 2011-4
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
65
46 Xg|rcae
?87+ Xg|rcae! FagubngKcgxre luk 0 Yxcepnn xekr|u fcxnn] # Fagubng Xg|rcae+ Fd+ 0 ,Mcax|evg, VG! >?5->>
7/23/2019 BNM 2011-4
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F|cknfg f|nn K| 2- rnnke lnco|gjnfe n k|ubnre
?84+ Vnmlcau|nae Kgnckgae gae \exulanfnn Mcabczg # gur+0 Vnaznu Gkb|ne-Rglgf! Zagbn-mn| Lcobgk! Gkg Lcabu|egku Yer ga+] 9 fcc|b+ n |eb+ r+ Vnaznu Gkb|ne-Rglgf 9 Gfgb+ be rnnkeg Mcabczen! Nkvr+ Xulanf ,Ekfnfacxebng Mcabczen,+ Fd+ 0 ,Fu b|go, V\A! ?5-2725-4-: $k fcx+ rg|e n vux|gfcx+.+Y]+- - 7+Vnmlcau|naeKgnckgae gae \exulanfnn Mcabczg+ +:$2?4.
+ Zepn K| :82+
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
6?
>6#>2NVRC\NE
>2NVRC\NE OEKE\GA+NVRC\NE UKNZE\VGA
>2$788. Nvrc|ne uknze|vga
?8>+ Xer|ekfu! GkgrcaNvrc|ng fckremxc|gk0 vrubnn! mgre|ngae! grnrubnkn # Gkgrca Xer|ekfu 9 Nkvr+ be Nvrc|ne Vc-
fnga ,X|cMemc|ng,! Uknz+ be Vrgr bnk Mcabczg! Fgreb|g be Nvrc|ne Uknze|vga+ Fd+ 0,Fg|rbnbgfr, V\A! >?5-2754-?-6 $k fcx+ rg|e.+Y6>-2$788.,7>#2$27#>>. Nvrc|ng nkbnznbuga g bnje|nreac| |n
>2$2??. Nvrc|ng Uf|gnken
?78+ Nc|bfdevfu! Rubc|Dgon Fu|bg $Fgmczfg. 0 Uk vgr |cmkevf bnk Lgvg|glng nvrc|nf # Rubc| Nc|bfdevfu
0 gur+ x|cnefruaun! fcc|b+ n nmgonkn Zgvnae cnmg|u+ Fd+ 0 X|cmereu! 7! Y7] x+ 0 jno+! jcr+ fcac|! rgl+ 9 ?4->>?5->7>-45-< $k fcx+ rg|e.+Y]+- - 7+ Dgon Fu|bg $Fgmczfg. Vgre \gnckua Nvmgna Uf|gnkg Nvrc|ne+
>2$2??.
>2$2?4. Nvrc|ng \exulanfnn Mcabczg
Fdnfu-Bnmnr|nu! Vnazng+ Zngg xcanrnf g |nn Mcabczen k g NN-g `umrgre g vef+ ga TZN-aeg+ Zepn K| 5>4+
Fdn|f! Ve|onu Nck+ Lgvg|glng bepmeml|gr n |rfnr kr|e Evr n Zevr+ Zepn K| 5>6+
?77+ Fnuluf! Zgvnae B+Lgvg|glng n R|gkvknvr|ng 0 |evrgke gae nvrc|nen # Zgvnae B+ Fnuluf+ Fd+ 0 +E+-X+ ,rnnk-
g,! >?5-:?-?6
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F|cknfg f|nn K| 2-
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39/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
6>
:7:+467-40:75+4:+27:+875$826+
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F|cknfg f|nn K| 2-
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41/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
27
?
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F|cknfg f|nn K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
26
Nkbet be kume ag ,F|cknfg f|nn, K| 2-2Lgagk! Nu|ne :?8Lgagk! Zegfevagz :74Lgkrc! Gaetgkb|u ?8:Lgkrc! Gkg ?8:Lb|u! Eaekg 54?
Lneu! Knfcage :6:Lr|ku! Rnmcren :62Le`gk! Nu|ne :85Leabnog! F|nvrnkg :72! :7:-7?Leknokn! Euoekng :74Le|lefn! Nokgr ?8?Lcobgk! Zagbnmn| ?84Lcobeg! Bgk 5??Lcabumg! Ze|cknfg :::Lcabu|egku! Gkg ?84Lcacogk-Zne|u! Crnang :74
Lc|cpgk! Mgng ?72Lc|! Mndgna :2>Lcvrgk! Gaetgkb|u :?2Lcvrgk! N+ 5?5Lcvrgk! Nck 5?5L|gog! Bngkg :28L|gog! Caeo :>7Lu`c|! Gag :>8Lu`c|! Anulg-B|ocvrng :>:->?Fncfgku! Odec|ode 5?:Fncfgku! Mg|ng 54?Fncfcn! Rgrngkg ?85
Fnuluf! Zgvnae B+ ?77Fnumgf! Vzeragkg 54?Fclvkegku! Znfrc| ?8?Fc`udg|n! Nck :28Fc`udg|n! Rgmg|g :28Fcalkegf! Gaeten :>6Fc|fnmg|u! Nck :2>Fcvegf! Ac|nkg :5?Fcvrnk! Nck Zepn Bnodn! Od+Fcfnuo! Anang ?7->>-?88
E|mgfczg! E+ :>5Evguacz! N+ :>:
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F|cknfg f|nn K| 2-! + + :85 be gkn # BgkFckvrgkrnk ## Efckcmnvr+
7/23/2019 BNM 2011-4
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
7
7/23/2019 BNM 2011-4
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
7
7/23/2019 BNM 2011-4
130/176
F|cknfg g|rnfcaeac| be ogper K| 2-
7/23/2019 BNM 2011-4
131/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
767
7/23/2019 BNM 2011-4
132/176
F|cknfg g|rnfcaeac| be ogper K| 2-
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F|cknfg g|rnfcaeac| be ogper K| 2-
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F|cknfg g|rnfcaeac| be ogper K| 2-
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F|cknfg g|rnfcaeac| be ogper K| 2-
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
726
Xgr|nmcknuaun Fuaru|ga ga Gfgb+ be rnnke g \ex+ Mcabczg] # nkre|znu be Anangkg Xcxucn ## Jaut 0eb+ be znke|n+
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F|cknfg g|rnfcaeac| be ogper K| 2-
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148/176
F|cknfg g|rnfcaeac| be ogper K| 2-
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F|cknfg g|rnfcaeac| be ogper K| 2-
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155/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
755
7/23/2019 BNM 2011-4
156/176
F|cknfg g|rnfcaeac| be ogper K| 2-
7/23/2019 BNM 2011-4
157/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
75?
7/23/2019 BNM 2011-4
158/176
F|cknfg g|rnfcaeac| be ogper K| 2-
7/23/2019 BNM 2011-4
159/176
Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
75>
7/23/2019 BNM 2011-4
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F|cknfg g|rnfcaeac| be ogper K| 2-2 NVRC\NE
>2NVRC\NE OEKE\GA+NVRC\NE UKNZE\VGA
>2$788. Nvrc|ne uknze|vga
:-74>?.+ G aefcure buk mckbe bnvxg|u, be GangkFc|lnk! Xg|nv! Jagmmg|nck!
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Lnlanco|gjng Kgnckga g Mcabczen Kgrnckga Lnlanco|gxd~ cj Mcabczg
7:6
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F|cknfg g|rnfcaeac| be ogper K| 2-
Lcouezvfdn! Nuangkg ?66Lcabevfu! Mg|ngk ?86
Lc|bengku! Aec ?2:Lc|eznfn! Znfrc| ?7
:2 Efckcmne fgvknf+ rnnke bcmevrnfe+ kr|enke|eg fgven++++++++++++++++++++++++++++++++ ++++++++++47
:: Redkcacone fdnmnf+ Nkbuvr|nn fdnmnfe n k|ubnre++++++++++++++++++++++++++++++++ ++++++++++++++++++++46
:?#:4 Nkbuvr|nn! meve|nn n kbeaerknfn|n xekr|u bnze|ve mgre|ngae ++++++++++++++++++++++++++++++++ +42
?G\R+JCRCO\GJNE+FNKEMGRCO\GJNE+BNZE\RNVMEKR+VXC\R +++++++++++++++++++++++++++++++++++++42
?< G|dnrefru|++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++++++++42
?6 G|re xagvrnfe++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++++++45
?5#?: Xnfru|+ G|re o|gjnfe+ O|gjnf+ O|gzu| ++++++++++++++++++++++++++++++++ +++++++++++++++++++++++++++++45
?? Jcrco|gjne n gfrnznrn vnmnag|e+ Fnkemgrco|gjne ++++++++++++++++++++++++++++++++ +++++++++++++++++++++45
?4 Mupnf+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++45
?> Bnze|rnvmekr+ \ef|ee|e+ @cfu|n+ Vxc|r++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++++4:
4ANKOZNVRNF+JNACACONE+ANRE\GRU\ +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++44
48#47 X|claeme oeke|gae fu x|nzn|e ag ankoznvrnf n anre|gru|+ Jnacacone++++++++++++++++++++44
4< Anre|gru|++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++++++++++44
>OECO\GJNE+LNCO\GJNN+NVRC\NE +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++>?
> rnnke lnco|gjnfe n k|ubnre+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++>4
>6#>2NVRC\NE +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++>4
>2 Nvrc|ne oeke|ga+ Nvrc|ne Uknze|vga++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++>4
7/23/2019 BNM 2011-4
175/176
7/23/2019 BNM 2011-4
176/176
:> Auf||n be fckvr|ufnn $be fgve k x|nkfnxga.+ Mgre|ngae be fckvr|ufne+ redkcaconn nx|cfebee k fckvr|ufnn ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++++++++++++++++++72:
?G\R+JCRCO\GJNE+FNKEMGRCO\GJNE+BNZE\RNVMEKR+VXC\R +++++++++++++++++++++++++++++++++++72:
?7 Vnvremgrnpg|e jnpnf+ Vnvremgrnpg|e |eonckga! u|lgk n |u|ga+ U|lgknvm+ Xenvg`e+Xg|fu|n+ O|bnkn ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++72:
?5#?: Xnfru|+ G|re o|gjnfe+ O|gjnf+ O|gzu| ++++++++++++++++++++++++++++++++ +++++++++++++++++++++++++++72:
?? Jcrco|gjne n gfrnznrn vnmnag|e+ Fnkemgrco|gjne ++++++++++++++++++++++++++++++++ +++++++++++++++++++72:
?4 Mupnf+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++72?
?> Bnze|rnvmekr+ \ef|ee|e+ @cfu|n+ Vxc|r++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++724
4ANKOZNVRNF+JNACACONE+ANRE\GRU\ +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++758
48#47 X|claeme oeke|gae fu x|nzn|e ag ankoznvrnf n anre|gru|+ Jnacacone++++++++++++++++++758
4< Anre|gru|++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++ +++++++++++++++757>OECO\GJNE+LNCO\GJNN+NVRC\NE +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++7:7
>7 Oeco|gjne+ Etxacgrg|eg xmkruaun n g bnje|nreac| |n+ Farc|nn ++++++++++++++++++++++++7:7
> rnnke lnco|gjnfe n k|ubnre+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++7:7
>6#>2NVRC\NE +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++7:
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