va identity of interest guidelines

endstream endobj 97 0 obj <> endobj 98 0 obj <> endobj 99 0 obj <>/Font<>/ProcSet[/PDF/Text]/ExtGState<>>> endobj 100 0 obj <> endobj 101 0 obj <> endobj 102 0 obj <> endobj 103 0 obj <> endobj 104 0 obj [/ICCBased 111 0 R] endobj 105 0 obj <> endobj 106 0 obj <> endobj 107 0 obj <> endobj 108 0 obj <> endobj 109 0 obj <> endobj 110 0 obj <>stream The maximum LTV percentage for a transaction where a tenant-landlord relationship exists at the time of contract execution is restricted to 85 percent.. Requirements for Purchase Transactions with LTV, CLTV, or HCLTV Ratios of 95.01 - 97%. There are more government and individual lender guidelines to follow when trying to get a mortgage for a home. XNpKy@WFr?Hznw`[8yY5d>5 Aigx-1J'Lql B+o'~tpQz6-!lTpf 7^mz~OlKRtc#:JUDu&w%(!XXKs.a Zk?*KQnX,l 3Q-,'=gHd K.l6\:mwL^+^ZP",,N$!#FXfki:~VuKg_]!yj@` -uVllY[{;tr=u 6XqjfgY.85;lC*Qu]c ;d]v_,u?x':%|FvtNc '-:&~$-YoDnXk_( ):I'C@4P\b?t]v0 07sDPk3^dnmp]g|$57+@K|\Gje` 4~bGvQJ?b1f7X->acc}]W=3uyp{{HL~Uk6frN-`;ShyGc@xh.> 1 0 obj va identity of interest guidelines. P a $If U [ \ ^ y y p h $$If a$ 2. HUD 4000.1 explains: "The maximum LTV percentage for Identity-of-Interest transactions on Principal Residences is restricted to 85 percent. ZYs8ikg`4SD16}WZr4BM u4qPleQ#^VuqQy"S qH7kq *IE:@]*lec;=67 Support@TBWSmail.com. The opinions presented on FHAnewsblog.com should not be construed as representing the official opinions of any government agency. wrestling convention uk 2021; June 7, 2022 . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); We will calculate your BAH, match your Housing Profile with available listings and connect you to all relevant Moving Tools & Resources! % I believe that by documenting your situation (grandparents home, moving into a care facility, qualifying status, etc) your lender can make the case to approve your application. %PDF-1.6 % 451 7th Street, S.W., Washington, DC 20410 T: 202-708-1112 ! 1. 0000003506 00000 n We were pre approved for a VA loan, but we were not able to purchase the home we wanted due to my husbands ETS date. \ Z 1 $$If l 4 $ L% 4 hwTTwz0z.0. Identity of interest means that there is an existing relationship between a home buyer and the seller. The rules for these transactions are found in HUD 4000.1, the FHA Single-Family Lenders Handbook. Posted In: Uncategorized. $n$If ^`na$W $$If P 4F !$ 4 The down payment would still be listed on all the paperwork, but it would be covered by the homes equity instead of cash out-of-pocket. Common ownership exists if an entity possesses an ownership or equity interest of five percent or more in another entity; common control exists if an entity has the direct or indirect power significantly to influence or direct the actions or policies of another entity. 5 Benefits to Know About VA Loans An identity of interest transaction is a sale between parties with family or business relationships. FHA identity of interest is a complicated term for a relatively simple idea. URp)1)^28I"|Y*YSFn6}^mLS%d,|w2$L9VWcc\},{;dR7?%B!U0Vl`\O.)DM==8gF$Qd% X yH{_5-^HL.aUYX.> mG~~cl^~ C$~ws?h6o6i`t)-~p(hKhv 5f:|#@eR6d!QB&.  FHA Identity of Interest Certification 04/04 ~ EncompassTM from Ellie Mae ~ www.elliemae.com FHA Identity of Interest Certification Borrower(s): Broker/Lender: What is an "Identity of Interest?" FHA defines an "Identity of Interest" as any relationship where the purchaser and seller are related, and/or affiliated Dedicated Accounts Manager Results Interview Compliance Safeguards Unlimited Branding. Neither FHAnewsblog.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. endobj % There are ways to finance a property when such an event occurs but the rates and terms are less favorable and there are fewer loan choices. There can also be a situation called a gift of equity which as the name implies means your grandparents complete a form that states whatever equity there is in the property (based upon the appraised value and final purchase price) is a gift to you. $If ^ $If ^ <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Selector November 4, 2022 Fri Nov 11 23:59:59 CST 2022 Manufacturing and Production Richmond VA Full-Time Up to USD18. \ S M $If $$If a$W $$If P 4F !$ 4 The HVCC appraisal ordering process does not apply to any VA loan transaction, except for an IRRRL. $If ^ But when it comes to your VA Loan, buying a home from someone you know could impact your ability to utilize VA lenders! endstream endobj startxref 3 0 obj 2368 0 obj <>/Filter/FlateDecode/ID[<85D6608CE23CEE48AD0F1B344CC3BD9C>]/Index[2353 27]/Info 2352 0 R/Length 78/Prev 881465/Root 2354 0 R/Size 2380/Type/XRef/W[1 2 1]>>stream $If ^ You can file the expedite request with the initial EAD . 0000001268 00000 n The posted content contained on FHAnewsblog.com is for general information purposes only and is accurate and true to the best of our knowledge. The identity of interest's partners, employees and sales associates. ""U^dTNKi>8D+nv{Lx6wM1P ]c7SK^LMo+ijDrHJnw?Gv>nd@]rX"~I $?+lP!(wf1YP0wB)$DE4,%/gti"*24%XcP5Q({o2SwyWdU0Q6D&R {z?i5gxTeTVWB5VV^(,dTxgW]plp~o#!my|g'/1 mOGCwu We do not ask users to bypass their lender. 2. U.S. Department of Housing and Urban Development . Chesterfield County Jail 6900 Mimms Drive Chesterfield, VA 23832. They could probably make more money by listing their home on the market and allowing buyers to compete for it. The information should not be seen as financial advice and you should consult with a licensed mortgage professional , prior to taking any action. hnF{)f\H H4F"A/XU RIaHQiaog|dfbQLJ*&p67lzzpl;DYa_U\*?|_}S72fj*eaLcv=v?XMBk1[! This corporate exception allows the buyer to pay the standard 3.5% down despite the existing relationship with their employer. 5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. Call the toll-free VA Veteran Identity Theft Helpline: 1-855-578-5492 8 a.m. to 8 p.m. P a $$If a$ OpDnf[";XBXb;hpKQ\\xsq: Conflict of Interest FAQ on Financial Conflict of Interest. Veterans who served after August 2, 1990 are eligible if they. Hi Elena- The key phrase re: the VA is might not be your best choice. In your situation however, that doesnt mean you cant use your earned VA benefit to buy your grandparents home. Use the up and down arrows to navigate this combo box. This relationship could influence the final price of the home, either by giving the buyer a price that is well below market or misrepresenting the terms of the loan. Will it be an issue for is to purchase from them in 30-60 days? Sample 1 Sample 2 Sample 3 Based on 18 documents The VA considers parties that cannot conduct business with one another if there is a relative involved or a personal relationship with a third party such as a: If any of these parties has some sort of special relationship that does not appear to be independent of one another, it could fall under this consideration. 0000004007 00000 n Product Guidelines Page 4 of 10 TYPES OF FINANCING, continued Cash-Out Refinance Not permitted Down Payment Assistance Down Payment Assistance Programs are not permitted. NMLS #86788 |, 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA 23462 | OVM Financial Inc. is an Equal Housing Lender. bv1f_i=7qt6m~V;v?=w6v)%9;#vi (e F Why is a higher down payment needed? visit VeteransCrisisLine.net for more resources. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. 0000002508 00000 n The answer in 2016 and today is the sameyes, some exceptions are permitted. gh#N@R]g[netX0<6T{+)p94UBf]JyJTbp 9<5pyQ. Guidance documents come in a variety of formats, including interpretive memoranda, policy statements, manuals, bulletins, advisories, and more. There are several circumstances where you can have a relationship with your seller and still pay just 3.5% down. 3. Office of Accountability & Whistleblower Protection, Training - Exposure - Experience (TEE) Tournament, Benefit & Claim Status (Registration Required), Veteran Rapid Retraining Assistance Program (VRRAP), Web Automated Verification of Enrollment (W.A.V.E.) 7 Identity of Interest 18 VA Funding Fee 29 Insurance 8 VA Loan Guaranty 19 Eligible Fees 30 Other Features 9 Loan Limits 20 Interested Party Contributions . Qf Ml@DEHb!(`HPb0dFJ|yygs{. Share your form with others Send fha identity of interest form 2019 via email, link, or fax. 0 This matters to your loan officer. Today, those rules begin by explaining who is affected in these circumstances, which are described by HUD as identity of interest transactions. A VA mortgage identity of interest situation is a transaction for the purchase of a principal residence between one of the following: Parties where the veteran has a familial or business relationship Business affiliates where the borrower is a qualified veteran. VA FORM JAN 2023. . NEED HOUSING with over 50,000 listings you're sure to find the perfect home for you and your family. c. Scope (1) This Handbook defines the roles supporting the PIV process at VA facilities. 0000004486 00000 n If youve done your research, you probably expect to pay a down payment of just 3.5% on your FHA loan. $If ^ d. I am duly licensed to sell real estate by the appropriate governmental . Identity of interest transactions are permitted, but in some cases, a higher down payment is required. Credit Monitoring For First-Time Home Buyers, FHA One-Time Close Construction Loan Limits Are Higher In 2023. The VA . These guidelines cover VA purchase and regular refinance transactions. My grandparents are getting old and having trouble with the stairs, so they need to move to a more accommodating home sooner rather than later. Business Relationship refers to an association between individuals or companies entered into for commercial purposes." Identity of interest transactions are permitted, but in some cases, a higher down payment is required. To access the combo box on this page please perform the following steps. 4 0 obj VA guidelines accept such a gift but as such the gift could be considered taxable above and beyond allowable gifting limits as defined by the IRS. Special Publication Guidelines for 6 . You would still pay the higher down payment, but the money would come from family instead of your personal accounts. Back in 2016, we published an article about the specific FHA loan rules that apply in situations where the owner of a rental property wants to sell to her renters. 0000001962 00000 n Another option is to ask a family member to gift funds for the down payment and/or closing costs. Maybe you want to buy a new home built by your uncle's construction company. PilieroMazza Webinar Identity of Interest Affiliation: Everything You Need to Know February 23, 2017 2 Jon Williams, Partner jwilliams@pilieromazza.com (202) 857-1000 Presented by Julia Di Vito . The Church moves further into the Third Millennium of the Christian era as a pilgrim people, guided by Christ, the "great Shepherd" (Heb 13:20).He is the "Holy Door" (cf. This will take you to the page listed. When a relationship like this exists . endstream endobj 111 0 obj <>stream g%dy@#=3;IaKc=:D IAH*'ix3 gaI>2k;i+9A?Jd0ppj{1/]X!O&6 ?g*?>(&U d^3yzKy2(rMESTEGb]gas[Oc$'R?WhJ\]R'W*.rE$ We've been listening to your feedback and are excited to share the newest version of the Single-Family Seller/Servicer Guide. That was true in 2016, and its still true today. This means you might have to come up with a lot more cash for your down payment than you expected. Ask about RateAlert Corporate Edition. Non-arms length transactions receive more scrutiny but your situation will weather any review. the absolute minimum credit score given other good qualifying factors is 580 median FICO. %PDF-1.4 % endobj There are specific rules and guidelines for home buyers buying home from family members. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors. And if you already know what kind of mortgage you want, you can apply for your mortgage online today at https://www.ovmfinancial.com/online-application/. FHANewsBlog.com is privately funded and is not a government agency. P a $If D $$If l 40 T$ 4 Or maybe you fell in love with the home you're currently renting, and you want to buy it from your landlord. But because youre their child, they dont want to profit at your expense. All rights reserved. endobj Are You Ready To Buy A Home With An FHA Mortgage? &. The higher down payment requirement is needed because tenant/landlord sales can fall under something known as the "identity of interest" rule, which requires a 15% down payment in cases where identity of interest applies. 96 0 obj <> endobj The VA Loan and Guaranty Overview In this Chapter This chapter contains the following topics. Today those exceptions include but may not be limited to: For these loan transactions today, normal FHA down payment rules apply. (Registration Required), Survivors Education & Assistance Benefits (Chapter 35), Veterans Education Assistance Program (VEAP), Veterans Information Portal (WebLGY) (Registration Required), Service Members' Group Life Insurance (SGLI), Family Servicemembers' Group Life Insurance (FSGLI), Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI), Service-Disabled Veterans Insurance (S-DVI), Batteries (for Hearing Aids & Other Devices), Manage Your Prescriptions at Your Local VA Medical Center, Manage Your Prescription Refills with My HealtheVet (Registration Required), Health (Please contact your local VA Medical Center), Track Your Appointments with My HealtheVet (Registration Required), Domiciliaries (Please contact your local VA Medical Center), Talent Management System (TMS) (Registration Required), Direct Deposit Sign-Up Form SF 1199A (PDF), Personal Identification Verification (PIV) Card, Security Investigation Center/Background Investigations, Security Investigation Center/Background Clearances, Freedom of Information Act (FOIA)/Privacy Act Requests, 214138 Statement in Support of Claim (PDF), 221995 Request for Change of Program or Place of Training (PDF), 221990 Application for Education Benefits (PDF), 212680 Exam for Housebound Status or Permanent Need for Regular Aid and Attendance (PDF), 1010ez Application for Health Benefits, Personnel Security Adjudication Center (PSAC), Call TTY if you He was Managing editor for www.valoans.com for (8) years and is currently the Associate Editor for FHANewsblog.com. Believe you or your family's identity has been stolen? i These transactions are singled out because theres a good chance that the buyer is not paying the fair market value of the property. 0z>4}xvgq]! k;x^F_./p5#~/k~/o./&QvD /*J,n%tPMOe~y1*s0 &ZE]8uMW4[2H7rpNA%. 0000001187 00000 n Back when we first published the article, we noted that FHA loans do permit these transactions but there are special rules that govern them. 0 addressing any identity of interest situations and for disclosing their existence to the Agency using Forms RD 3560-30 "Certification of No Identity of Interest (IOI)" or 3560-31 "Identity of Interest Disclosure/Qualification Certificate". IP 301 Pill (Orange/Round/6mm). ` $$If ^`a$ The obvious might be a father selling to his son. va identity of interest guidelines. statement in all advertising in conformance with Advertising guidelines for Fair Housing; (4) When advertising VA . But in others, an exception to that requirement is possible depending on the relationship between landlord and tenant. mR~de~%O$$ *Y|x6'CJ{OKy-i^|&k=)Wdm8AN=am(Ko7^{yQ?'l2qS$_e}X2} First-time buyers must pay processing fees of 2.15%. FHA Loan Rules For Down Payments When The Seller Is A Family Member Or Business Associate You can query the Netspend website location finder for the nearest Netspend reload location and load more cash or checks. According to David Gambacorta of the Philadelphia Daily News, the retired receiver was shot at. COMPENDIUM OF . 2353 0 obj <> endobj %PDF-1.7 If, for example, youre buying your parents home, your parents might be cutting you a good deal. Marvin Harrison Murders"I think that John McRae enjoyed every minute of it," Mulvaney told producers. l a $If $If D $$If l 40 T$ 4 But in an identity of interest transaction, the down payment requirement can jump to 15%. SUPERSEDES VA FORM 26-6705, JAN 2021, WHICH WILL NOT BE USED. 7X#. An Identity-of-Interest Transaction is a sale between parties with an existing Business Relationship or between Family Members. / All Rights Reserved. The minimum 3.5% cash investment rule applies and if a borrowers FICO scores are not high enough to qualify for maximum financing, higher down payments may be required regardless of the exception to the identity of interest requirements. If you are in crisis or having thoughts of suicide, Contact us at 757-296-2148. 2023 OVM Financial. Maybe you want to buy a new home built by your uncles construction company. Department of Veteran Affairs VA HANDBOOK 6510 Washington, DC 20420 Transmittal Sheet January 15, 2016 VA IDENTITY AND ACCESS MANAGEMENT 1. 4?9>O+s64p8d%; \rVCPnJq9Nn,6F4+? 1. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short-term loan services. _dCf-,7eI0\z7?O;29I-%zPP_>0gS)P^joYeV`awSyJSdf"u&Cyx __S dset\YY_16cz5Z$sYLsiKNC?tCT! l a $If W $$If P 4F !$ 4 VA HANDBOOK 0735 the Accreditation of Personal Identity Verification Card Issuers (SP) 800-79-1, of the programs and procedures established in this . 0000004236 00000 n <>>> 4 Indicate the loan decision in Item 51 of the VA Form 26-6393, Loan Analysis, after ensuring that the treatment of income, debts, and credit is compliant with VA underwriting standards. Required fields are marked *. definition of the term identity-of-interest transaction maximum LTV on identity-of-interest transactions, and exceptions to the maximum LTV for identity-of-interest transactions. Fixed-rate loans with terms up to 30 years. The VA One-Time Close is a 30-year mortgage available to veteran borrowers. 0000002951 00000 n endobj 2 0 obj Maybe youre planning to buy your parents home. %PDF-1.5 by . A lease or other written evidence to verify occupancy is required. $E}kyhyRm333: }=#ve The confusion comes in over who this applies to. Need To Manage Multiple Users? 0000006311 00000 n mc7v7?T(MNS1u|>t7&/qUs>4 Go for it, but talk to a VA lender first. HQq ~JZz{ If youre buying the home youre currently renting from your landlord, you can pay just 3.5% down as long as you can prove that youve lived in the home for at least six months leading up to the purchase. Have those rules been modified since we reviewed them last? 164.103. Especially if your loan is backed by the United States government, as FHA loans are. Get VA Home Loan through AHRN.com % As our customer, you get a dedicated loan officer who understands the ins and outs of the available loan programs and can help you choose the loan type that will work best for your unique circumstances. Get your online template and fill it in using progressive features. . . 2 0 obj <> FHANewsblog.com is a private company, not affiliated with any government agency, is not a lender and does not offer to make loans. v About FHANewsBlog.com General Guidelines Except where indicated otherwise, all appraisals for VA loans must be ordered through the VA Appraisal System and performed by VA-approved appraisers. <>stream Credit guidelines are set by the lender, typically with a 620 minimum credit score requirement. Guidelines address patient cohorts, serve to reduce errors, and provide consistent quality of care and utilization of resources throughout and between the VA and DoD health care systems. Call: 988 (Press 1), U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420. Please take a few minutes to watch a short training video. Identity of interest means that there is an existing relationship between a home buyer and the seller. by on 29/05/2021 at 2:40 am. Will I really have to let it leave the family because of our veteran status? Buying Home From Family Members Mortgage Guidelines On Arm's Length Transactions It is not always the case where children inherit homes from their parents. 404-600-1003. However, assuming a VA loan requires you to pay only 0.5% as processing fees. The VA considers parties that cannot conduct business with one another if there is a relative involved or a personal relationship with a third party such as a: Builder/Developer Seller Lender Real Estate Agent Appraiser Settlement Agent 3 0 obj hb```,VB ea`(p8(a*:($od, H#XTGYgDq3.Gt{"9Mh```qT9Pe.G7eM=, d_&BA..*.JFJ `:)5:l}_W_#Y^N%`C!-feuB 2:8::X`Q H 1t0@l @lC[\&. <>/Metadata 3999 0 R/ViewerPreferences 4000 0 R>> Hit enter to expand a main menu option (Health, Benefits, etc). Learn how to protect data How To How to submit a Privacy Act Request How to submit a FOIA Request Report a Privacy Incident Find Privacy Impact Assessments Find a System of Records Notice trailer 2. The Internal Revenue Service (IRS) is the revenue service for the United States federal government, which is responsible for collecting U.S. federal taxes and administering the Internal Revenue Code, the main body of the federal statutory tax law.It is an agency of the Department of the Treasury and led by the Commissioner of Internal Revenue, who is appointed to a five-year term by the . SecureRights Advertiser Contact Information. FHANewsBlog.com was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Oespai fTg#xIH_'c_*X,W*S~Lpc$O}0SQlw+e8x$VoDR/G|{/#ijQ7E\_wO7Aiz>MK{g]'j\Yo< }jG O\rXc3Dh Py+``Q"8v],83SWj"WD' You agree that you are solely responsible for your own financial decisions, and release FHAnewsblog.com from any liability whatsoever regarding our Service or any causes of action arising from or relating to our Service. Interested party contributions (IPCs) are costs that are normally the responsibility of the property purchaser that are paid directly or indirectly by someone else who has a financial interest in, or can influence the terms and the sale or transfer of, the subject property. Are there other ways around this? Or maybe you can actually qualify for a conventional loan with a lower down payment. 96 17 FHA identity of interest transaction rules are specifically for borrowers who have a family or business relationship with the seller. In such cases, it may be a situation where the borrower has been renting for some time and has an offer from the landlord to purchase. Am administration, and governance of VA identity credentials. 0000000016 00000 n x]Ys8~w^68!q v:a{mML3@X\,W$wOA#,U 2;?E 3Cq(_W_{)?O+B(RF~$>?Q&o?~_W?/J2_%%M|=Y`p? $If ^ Hi! The form is not required for Interest Rate Reduction Refinancing Loans (IRRRL) except IRRRLs to refinance delinquent VA loans. The house is appraised at $150,000, but there is little chance we would be able to afford anything more than $100,000. SHE - Shelter . Those purchasing the principal residence of another family member; Those buying property owned by another family member where the borrower has been a tenant for at least six months immediately predating the sales contract. "An Identity-of-Interest Transaction is a sale between parties with an existing Business Relationship or between Family Members. P a $If Lender requirements will apply in addition to FHA loan rules. endobj (He doesnt have a job lined up yet, but he has applied at several places) my parents purchased the home in cash and will sell it to us once we have the hire on letter or the 30 day pay stubs for my husbands new job. Any interest in, or power over, real or personal property, reserved by the vendor, or created by the parties or by operation of law, chiefly or solely for the purpose of assuring the payment of the purchase price, or a debt, and irrespective of the identity of the party in whom title to the property is vested, including but not limited to mortgages, deeds with a defeasance therein or . >`Cw1P( ,nc,5e [m ,n#8T,$X)COqW^_Y30,{i P a $$If a$ $If j jBnNEJ0z$I)2*A[ W"SvbJiG This type of relationship between buyers and sellers is known as an identity of interest. Please switch auto forms mode to off. They really want to sell it to us, and we would love to buy it. Identity of interest may exist between the borrower and another party, such as a general & ' * t y z L ~ | z t n $If $If They're available below and on the Virginia Regulatory Town Hall site. https://www.ovmfinancial.com/online-application/. You can assume lower interest rates than what you qualify for on your own. 1 Protecting Yourself Against Identity Theft and Fraud Contact Us For VA benefits and services, visit this link VA's Contact us page. We offer a full video library on the definitions of many basic mortgage terms. Consolidated : Hundreds of FHA Handbooks, Mortgagee Letters, Housing Notices, and other policy documents have been consolidated into this single source. Those purchasing a rental property where the tenant has rented the property for at least six months immediately predating the sales contract. Business Relationship refers to an association between individuals or companies entered into for commercial purposes.. Change Date March 24, 2011 4155.1 2.B.2.a Definition: Identity-of-Interest Transaction An identity of interest transaction is a sale between parties with family or Lets take a look at: The main way FHA identity of interest impacts FHA borrowers is in the down payment requirement. <> NEKZnni1Um"|8\sVvg>c^qy~^q2N(-(U,9Gn\e3?8DBRp7h"C5 [58"SlH5Y7Mu,N-o`)s1(Fu)JfE,8;jN\-eQo^iItXY!k^T1:-$$$iLU[FdQQAB?iz ^Pz0^-$E|R}F|U]:Nk$?9I'V~{ = j|pD/OVVut9Sn4BK>Z%`i 31mLTFF[wg4hFu,ozcwu8^LM+ W*T513S9DQ$,BozD_A0J*Unxl&mAym%I`e#U?Px %AtT@ ud8F8Mq;-@LL?hqaq$A*Aq(qS4[4xnOl37{\[Cu2bfTAV/_7;jA W:2yPI9,1sfg=,H K:+FO1E1 YWsKPlqLo?k? @la[7rP\ wG/V7B3W(S@ z i`#P

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