%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 23 0 R 41 0 R ] /Count 3 /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 >> /ExtGState << /GS1 19 0 R /GS2 20 0 R /GS3 21 0 R /GS4 22 0 R >> >> /MediaBox [0.000 0.000 595.280 841.890] >> endobj 4 0 obj [/PDF /Text /ImageC ] endobj 5 0 obj << /Producer (dompdf 1.0.2 + CPDF) /CreationDate (D:20250223210252+00'00') /ModDate (D:20250223210252+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 15 0 R 17 0 R ] /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1730 >> stream xWݎ6ߧ7-(mMI6AQ($:$em6CZEʦəÙ3gFWﯢ, 0$wd1 YTEDvOՓlqR]E'tW݆ugakIkD{U[ }G7wScY$qt2=Tbg|8h55 z ZI#喌b]EsmتzCf[͛=~r~~E oE9Iy  0ZKYю+-;8(T*^ C [v sbei?GE{pNFy;Ϋ#aY=Q`zC\,3#dTd;k#iΩVAg<.F1XPm*>.4 8|@(?`}BT{Q:Vx>?{1=^AYN՗.(r|o8;|F7I,ZJ(b\ihyoM{A*;P !q}5S D&l,uu5<P;QarJF-6_!R#_m)uEQIF"m5ZOl|x$Pƽ:D썋Q&0F}/-P | UW6' *dFj# u`ϔtL ft56σE28Vfj 7l,]?Vinysu}/]A`7Z=jix 5b₤I$JP _9}<%kNW īEpXٴ / 4Pš8o>$ *Y:SZ>&J`Q7Xqj(m1< 0hsyqB" LVbTveݎ 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 1900 /Height 1265 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 46184>> stream JFIF)&""&)>,0,0,>^;E;;E;^SeRMReSvhhvҼ)&""&)>,0,0,>^;E;;E;^SeRMReSvhhvҼl"͓39N|3tӥz[k,"T3qxq k[ֵUg92B)BDU* uu`TG>s8|qj]u/x$ uZ֭332hB$ ZBE@3ϗ.X9s kW}5nkU1uj Rfbϟ.|񄊷Z.s$UPDDB@UZAH-kYd.c3I]][{ֶ1! s,,ԩ&Y.s˟.|޵ZLI DDBB mTVԌ ?[3<81s*3#2Dջ޵n\ jnmm͑,4%D.WI32!KTD"$! *j"RVN|~<$Ќ33" [j[֥ tsaE\Ȃ.|0.[32!KTB"$"@ڵ@(@X$@U^o/ eBA33ZպtbeMMVAbUʒHX.|9ozޮ9sRҐUi@U*H ںcc$EҴPq33$nVWFs2YC%͊ PTs2o{ֵLbbD V$HBEZV-Uemac,3"ZMZݶ0γfKjcyanZ&s -H$Ҁ D%Oyg1jY.Ybfg2I$*ۭ[ukvs B%5lLr9nokS9̐M"$I jffKOGOYrbIHmuzkZi3CYEa,#7,Fs˟[Z猹32" .i5*#(L֓9>x[oZ@U[B$ UmiT)@I[msw\k},sǛ:tќsqrU IsJ JE*H$DVg0ַI&d@&bAj۫jR(I!ms"~h^+<|ֵYq6n&sqc)I&$(҈#RDBD1"ZI$-ZI$ VںT2H-RbHz]+Nͭz˞j3 &hDEK(63e&1kZ$AEI"VP`̐G.^ۼַw1ϗ<3\22K,""H6-scdzթ$-SB$I*m[mm*8̋jfM{;wmzusZֵ|*sMԜαq$BIX $,VNx眚ֵQBUIնVm( sդNvfN|1kRlgyJ-L͖2EXKBʷI1Ϟr[!TI mmZU  30j{w%j|sgK3\;oVY̌ 5 a9s3$,@90ִ" U AuUV%@c8%ն=>~h1|W~N,g,IeLs&f&R%"%,y[QE E]]j)L D`Ukۿ_n%\˫\%~ՙ9@Mjbeə32%ts3E(*ޮi A"KDD3ĐwO_G_'[;竦\fIo9ĭ5UI&rČLg9Ą@qg%@T*UZujl" T!ITILc]:gIs>s9#z8fzuٙiT#Reb䱌rrպUֵۥe,13%VbD#)"!W^~ץg m}n3gO~Ig8>~9&C驌g9RD>\8r]s$$JR$(AnצJl,c2޷M[d\e*RK.Hef<$g<˟?~1:֭is!%,Je" t޷ӯ][39Hk{޷I$Y%*Yee$F&qßnf@-cqˏ.tLsbk{֓8/7)D2fb@RP@B-Wި,gkVHA$̙IFu-12yiVڙ9qǞ89_^ڙ.x9zuIsMfY@ʀ!)QeD.[?M%Fqm)uVH1*,"T0߷K&r[mթ1ϟ9c/Szv.x޽ztqykzEȥ@X$@"GMHRg\|9c|n=~w.|7n:މ3^_HYhYKXI[tG^%s]I$*$S).#.g9nk[>\<8<^=uLϏ>yۯ^zh&s|ꨔ J  إ"k{֫zoHPWwVؒB$3b+ YURe;q{޷Ln=1|x3wӿnma3|<~X bY@,h!!oZjQצEJgWVI3 $$ԒEZ̙zIצc?|}_S9Çc;{=}oZ&fsˏ$ YjQeBB5jz[IH̙˚ ,(͖K3ݙdqNzϏ31NޏWKwӦ&ypp@(K-Kah[uuY̷W]zQtd ED!ąomL<3c,_\xsǏ&c?˝o}}vÇ7/'!*XDFUau}tjմIDDe%Ȓ, 4=s\qIq矣=n\y&qǿz:i/75u5ug V>I||~(@JRf n޽zzպդIDVYP3e$1ϗ>\yc}Ͽ辧|/= Å>>~\պcsO_պL㇛|x (QR jT[u>۫uzoZW[Fa*Ͳ"=~&y1Ϟs&9?gMI8Ogt?GÇ=;y=&sϏrQeE 4SBRt[nֵ[kVf!-DOG̙9c_cRr|<;N|xy>7ǫ]:3=pۦ8ys**K7(ק_V[ujЈe(YϞ3z&<_;uu1LJu_Cx~Wۯn.ygo> m[bI$Ijnm(5WUnYX MRDGK2&qc8?ۇ9^Lj*>o?~7la՘η8{}xgv>~9Kfn3˜̒I!j*}umZPuk1b QJDT&wm$8s}<.xĽދk'f3~]1kN^_?|ޞO/ǘ, )Vj~]rIEZ ummj3fX ($߳Ѵ̬rz͌{9 r^w}ÿ9c-k[p/sxq〫ZZkNn9&PUPmպҁ(kzi$fHjJXGD&sϟ>\=|ϟn=]|~Tٮk\8^Ns߫~S u<\rmW߮|?6YjmVMoz$K&3)HO]3 .|}W3\'ſA8xe!W}u޵5VպכF.|8e@)ٵu|;$Bm mڠ{MLĒf2Ffl<_,ϋg:|9c7۷[(^o{q۹xUѫk~>͙Hh޵b&Q"d^ݵg_I˙DU֭Ho}7D$$BIo}:nIJ_ET1~|ύ'ҒL9J[Vn}}m|hs??*H*z{=ާfA([V>mҡ oMLH0*S+]:u</og>_}AJa~wN߉yHVԐۮpBi>UUHH:ozR$JQۦq7Mc?M} ;ocK'?7>(@[unfB[Μo7nfdֵvzmUڨ:o]kRL3L2²tӟ,Ot..?G:v}=^9](tσ5>>^0VLLj{=<kJhD^|:|NӇ峞\xy1&anZ@[~Umڈ^:tުL2EJUd$d6_^/y8~wz\;q}OGN+mO7/tctgǟWE-$2e-ֺtշ}9ȀB mڪmZHקN7̒ "h3$\q)m.I uݶ)nߦmZHۧN7I"&X)"5//=<o~X|w?]=k=[>Fd?'_n_>U>ͫZĒfLȥ]k}7oOxϦoMy}>;g^~[}z{|?K}O!:%/ -iVI2,$WZM};zNq9EֵtֵƵVդI$"^uM92&qd޵ui$@x>w^|'OX痺o]ߎ}o\|yXɥd)WZMnWn|y ZնmPH~wzDd 9wwZ >/i~דz]HS۟˯~SӟWou??%9cڒc331 V{ӧ~Oϟ<{jJH{7)gsϟ9kֵm"ߡGn >:{~o~EXcaWzu|tO;9i39DMz:s9ַWUUmujT$"_G~z&s qq֮!qϏ\>o_b>/~~Ԝ1ЙĆ/oǬou=}VOY332D *۫ӧn>O3sFwV߁UmQ#2$}ZHBK3,gM.unqχtqxt7񞯡z =38kC\33(BՐ o~^O9o[պUU_[VVI$%zMԒfdDYaɈWvD>?[|q|Wߏgy\iB sx=zG}sfs mb *۫O߶c󖵽n*ͫm$IEzM"LH.resMjVڱ?|OwI3oݏ;7?Y @Ko>==?G?rL3$oZbg)*uG1zV/VmXI$I}7Y$B$qb[ZյSu>_qq_/xOWAz57wǣ럜YIkZ3*uzz=>Wc81zֵm**m $$W~7uBBn䄙<]/Kշyzqqj<'?3Q|]k=fI!Uztޮ1*nz^O~f3ckwVҩWVn$I&]o}7dIZ$s狽tM[m}W/}fO7^'|/ߗǖBիwzsb@m~W;v1F[E*%mJH"H==w]7d3$SVDs<']ޭcnq~O]<>n@@N?_\9g/ UM۬Ym^_;vg83[֮EUD$tצfI$@Bg39>|]oz];[,>N]GO?P%@OX߯׏~Yman3!juz>nsc1kZժ)Oj[DH;toVDF Y8.Xwo[T|OXogs|ߡ_}_@<ގcy{>U!js{=~W]gpkZ֮+򺺺$DDN7kVD $IP!3:ޮu_sֱvmP ϥgsϏ|p$TPGz;1ֵm(ӥ"DDDFjDI#  <ŷ0 '_3.O3B!(L@*{3-ֵm(u"DDDZВ$̐ffIV.o]+/ܾ?ogLBAP9~wT"T>gkZ@}:kBD""!]Z$3$$5$??8k{s50$ @~hD$D]Q9g0 &qr.n~?//G焁@, |" }W߯IKu]ZwZ"I""mI&rQ$ĊѝgxbWM\onp @Ǫ$.D(P_~dZժ(<[֪ĉ"DBL̢Q&fV1dž%껸/  8x>_T$(Av=~G~YdZե۽jD-&d*ffJ<8eu7 $>? hD@*%=g~ns-֭<+kV$H ZffL"Ufgg~vdjVڥ.t"HDs3eBF8k]k\GwA@@@Ag-$ ){}ud]jPUH"m9D4$fϖ?Q^ @y1uBdUA@^o~z3$[m[j"DVjI9%`,ɓ)ǎ}??F3  Z @!z=GnzY[un@ջߧp@@  +ڲHD@ۯOۧMURmm)mEcb[/Y( P C/3R$BD-{u mm$$U2LIfce LbIR g~71R( Dw=z+M-(UեAuURDfL C2f$3g9Îskk̄kV\LERD B ]zG~:lU@<@mDkTd!H"cIqbfh@uuӦ[mmARd1dI %̜|! + H([uצmU ZкUA$̈` 63nnߥLMq &Բ193V!X-=~WN*Z"< kZ֭D̙,zBLg:t٥:жکˇӢrΦ񬵍Κ\V.\eȀD(z;uMUTAkK(9A1]uffZVXש;Hw[/)1ʭLHB ^gMBLX!" dRc9]tf?{-1M smI$ PAkW~_~7(fgB kZ fdTarztVcEHmVyTPQY@5ՙ  I@E u eP PPg6%T@R,kQj)h)T#9hc3$ހQ#նYCAE* Musîm[[$O BH"I:3^[.T9 cZIuE ffsZPOZX- I$j Lg37:@JBUT*Iʫ  w2IU#֭JTIJE5r]%ʨ!RPPNZ! -YuClPZE* (Zҭ*% %a@l檈~uTRJD-*,]P#wV}֭QmAJ Mhd*HUQ]Z 먺@ +f.TAkWV-(b) .q5@ɼUnuj[@(R^.a@ɩ]ZP΀H*fjU@XU$t+"(L 3 mڠP Rn*3t 3DfmnmP*F"*uL"fRHyҨ[h AJkR.䫜4 !T"fIVyҔ5mA@(P g9(&@UoI"G]jP*`s- b)D&[HQjE )D [KS2 (X n"҇mP Ud@@ђmkTR[ $-Pyv%@ZA`T7VBRR)D%7VBPQ@@U TU﮵AJWWP ALT-PyV Ӧ (M`g@ Bˤ-PyV Ӧ((Mt C1 TYT Ӧ(@y(K1A唠:oE(`[g&VTYE צm0%ehAPzn@P!@`@$G)B B@ bҨaAKۦ(J"A+Jy(5צPJ)KJy7{J(7@(!@@ JP{(E@@E@z( (PP$Z(p:*P IJ$U(u *^7J"R PNBA JJJ"*zzU$,(" %R{t$QHE@ KR'PMR QD(A'ƠVTE P X$"@D B%BA@ (EuTBHRR-"€RP(ȁP DQi@B 'i   PQBZ@@(t! Z H:U"(T@%X m J PN@Q`TX RP A"BPRM4B) ǩ"P*@H ",ϮIAbD@P Z"ВBTPJ%D jI"BP g* *( (*(D٘]d QPD Rc3 i3 X@ LPQRs&dU$BX%EDbj3" 83(kIB! -!@J,3KuÝ`D8UPgbB!H8@ZL%aFV1"Pc>f@DEz"9{[jH.yICVI!P@P lR U]Kd RQg(-Q >Ry JۙTBQWU$*yfAm̨Ae$̞AH Zҭjr Z#M^\,O9 !b![ն9u]q*UӎPI@kz[KtiR˫YBO1TTD]֭Z5qs] E5^|P"#?EIB!**B7շU [1|zR8" >̒@)!.[YYHh$FI$v]jV51iQZg D92$@ nWU]^kvbo\䐽39d(IfdD$%-WǑw\Y %릖`EL$DD"ȪR;\q, A}!&r(YBz٣\@%(>̈A2HS[͈BY}[ɞy3-P} $BI, t?*z;I&b*>B $BK:zeᕀITs&dBI[m5P=kyX$̍*CȄ$U\gRYb`˘a &}2@@ozy3P5%QFcQ̍)h$&dS]wKii1щ1)!m Zb&&Lc! Kc|twIjqd^%N tzzb,vgE1&CeP>1[B6܉ք!iij{?}-LcǧѪӋMM5ZC-4hB"6bLe=-ZC)zbivrrߩ T.ϣzEB($!lBT H/J&-!=-&"Zb.Bяh{ZbCcc1i;nM!]EUmin=І=ݱ$1ȖGki!IĻmi2$=]CcM1mmV.o--%]DzԒhCܜ&]V\t؅!B.e闶6>lmmBoOBE*c,;nM"OI؄==="ӻZC=]LtzdCZZ]W!ibݒwmnRm"4ZvwhCԈĻN7WN1{~-.ov_n*rheݹ97iňDm vІ!6X!h} z[B[cG){m-=%юMrmɻ/zoIkWvOrlm EhmuCchoMl1~--%ݏw+u_QKMܥ&)[.NNNMwֽBdZwwwij֖-1-d1~]z7')99999[weV-ZhL4d2#{[Ch{zbCmc?RV=?˻.R7)OeUOܺ!6֖Bv--!-XCwzm Eޞc!c!i.Lk~r9Mnz**Oش!jbEZmݶwvezc1!iucoo:mSmJ$UUTZB! [}/- ,CkmӲlz챌c(BUU_ L79I.*5UUUUE=?6!6-2mj֐1jv^cHBBdD-H4=ҍ%Iq'Ѕ&?Sh[C}CV67mwђM1PٌoUUz"-HdU(QƪoMUZB 6C{czZ]X1PM.IUm2D$8Ot=7ՔSUT+uUUT.zcw쾈zKoOOkv1c!]loպQUEzSC]DJC21%kTc5UTUEUUUUUURUB݉ޟF7و} v1?Bh(-S+*ɌiEE*iUqNjM2z.K5UUUUUUUUUUEQ]huSj4RUH4UI5SRBCQ**ibLIUMqjj^.1}PUUUU\xUqUUU^7cĒJ(CZUJ-%M!鍲C"TUUKOOUшbiGqƩjUT>Wko޴1c꿄UI(ǏUUUU~}i*i)*BvUHS薞K=i Z[IJƚj޺1UǏ**)qUUUUU_eJ)$!%IVC(֚I%TǦ4= Z[HJj-qk\ZwiW5UƔTTxnswbB)ŤitzSi0IRZcii*K)5Nj\Z-qj]X?T\xǏ5I(U~˿~A%+LeCM!=U%1鈤HzzcIite=&ZqqLJvK]@B"!I$I툐mEE$oCTĒbZIl)'Ѳ6$M%! nR+__ƺ1~J* 8ŦeޯWz)Lz~i$DART-=zd=RI$[Pƪe=U$I{bHi&"O)!qzXMJ2RROlcC1G`ƩihczOe!DH$==1DRI!!5C]BMV1OUTim*#cM5%%$hC8c#զqiWee-ݗeP!I$>LJ%!C*Z[CC=Ei)!iii]LCHhE!zb!bUUSM4ԓԔ%ZcnuUP'&[zlnEB--!{-5TBI.K֟EŤ!M1I/EUUUSM5%%$ƤPE-1cvJ8J2LM4'wwv.wBHB>M1UTU дLEv]ZzkH'"J)/]UUSM4ԔjJjJHKpc1cv!*...2M4ƘjJDi&zc8B1RSHd i=n.-4&=Oc/WzhcW*f>EM1RRR&3%MSv7^H"k$'-iZBqih_zc1t}V֙i}X6E ciSYx12C$IHdD!n$H"jq_.B\Zi7zz C֞]jQe c) ȒEmc$Lm c1wwٌ"C$/ҿ"$!n-4M5}f-=ziыhZDbV=1KJP%jNMc$Hd̉/a#1d$Mɱ 2RO+M "Dǩ)K ؄{[B"ӋM4ױgՋkczL]mcmzc "C2DHȢeN۶$H\% jk'5$$fH"C&d.Ŧiw}O![C[c12,N-IIHfEc d&MɈM83Ee$H{1Z+քuN-4N>Ŧ->էmiUtzc&_.|rm^<42D\\\eJJj1±i2dsmi)l'"$HǩzBi.Z&!7 1H{c1i˚.NNR?&EKISL%%(*82"[c2FW6%>jx"/C"JD%"Ѕ-4M2?S>ˣ1Hc#V1cƜd9}h(H2HJjJJJQKMHm&]'qkHH/!jBM=~z}i֢AE {c41IN3HbX~a,qgHdESM5%$@G77xpp[F7x cR&HH{(M4ӾWJzkTŶc GO1crG,Xac&<N iHRmư/ 1&HH"HM44S^׺:}1cjqCcƚrqj'bxX>LJ҇b".c1w#IeYUԔr)IR)cxܜܥ)Nr9BI5Q"I8&Hzd)j+ wwi]֞ZƢ-=cM4M1KŌ>2K5O')JR9Y0.Nr9Ns)2,r))jX412d])?ƈ_N/O>}jE11h1fS!\˚Ȳ}rO,#) k,<)H)FqqXH12dHE""ݗ} Olc1jJb0F*C̤%cpr`R?x^:,+֠ppP342DɒI)' B) mDD-ݗ~?BKO o1c$e\rd8^n#Ly!4$dr{H2_RHR~Ewwwk~->Q c2GԺd$9+Ɛ(lrɒ)eacr#Bpg/2 6dIIPܜ뤑I(5M߭WEzD 1Ld}^<"-LRy9,VIdHof2G\j(Q"^<"NOPHJ1BRS&eP! ={{}]`2$ǩ1L !Ixj*EcX$$ȳ*ff| J!DVHbIș3(v]!BǶ>2Ԕԓ]E"#1dߖpߜHKpx>V`X~Fv<%i(q%UjD-R+Ġ2fQeBBG1>NKPc=2IoMP~XBq}UUUSR$XSĊ!,lISUM2D%"v".D̆AaBWW1:17)5,F66=y'8,X@EᑑyqjJNN_ez[Bqx.~Ldp11~O"RyD8'xl&xf4|9{MdY˂$.HZ:,%/Y2YeI<<"es< <_2aN/-O|>G,2\k*zeUU[WB"$TN2)?駏?μO20x~."x)Rɖ>cOmB$H E$M8RJ)(UUUUUU~D! =4U8qݧiݧ~H񘵐AKHcߘ3e6<~>O/^D|2njY0`>|xȳcYy$ɋM]ݷmm!"@$D4M4MURI$UUUUUUWDBwuUN44]iwݦHk,RZCq0ٟeW\xF2?/qZgSxwJ\M;Ei1OKl{ e>!BOTiGyH`B>. DI$%TO"$ @i4M5TI%UUUEVDBN1Ԕ'iޯ^<5ȼ(HZ(׼C~"y/ʗ RϒjI%Ռ$ @:cƚj$E-[[c܇4HCq%$ӻ#S>?r=HH9 83?Yj3+ygɎXV,d˅P.cȁ"DC1Uu B{.Ƕ==1B-J2MJ||uQ!G}~wKO)MM`;VLK"k .2Wbj֛m D1B㪪( !B?Kޘѥԭ;EךxRdu!G -&@/rYN.g) b3XrB0ȑ󸽨NІc@"!c UUUUUUUUUUUUQHBccRLzҕZ7x=HpS Qp 6.@@HLcuRI**B?CUT ŭ. e>ذjCbszܲy3O#.|ϳVWYggyy~/,s((}SƼ%/&?)11 @1}I$UUE$/ǷI. f,>,ޖˊ,qu2#(KxX>G}G}?OO ~Iv^\|KR(x}?OpǏ8izy~.^lK/y^WQpppqq>UUUUUZUUUI!{wi "C. 'x~7iݖ]?6YZ1n!cu"JRO=.%\5RcğF>ww|r˗.Wwww3'0xq"! ceIUUE~}ǻv=H{ZB_,~ >}5.\r˗.\r˗.\r˗,%́$D1c ُooK!W70bmߢǏB{BxP{I~>0c.컿&YG91"D1_B3B臩]>*弧l{s^IDcx"Dǧf?K HmB̦Lp &yx8"DBBe=VȐ-!CY࡚^4rc>2H1V=.~!7'"Ce)k3$(34y["Z^>j˓! ~‡$?3:̯|Lo$HZ >ce1blD&|\4)xyλD L}X KLz="[d1iϏfy,~\r˗.\r˗.|$Q@"~u7 DKHzNBld! QX#4Y jǏc---1R-xVa8{Ye1"DBF1^1 }$HcaFawwwwwwwwwwwyY2.п"?coH=!i H&=UUUUUUUUUUUUUUUUUUUUUU^ooolNckIxGQaLˢyK1nH/lcEZeݱ kņ5^/Vwwwww|r˗.r|$ؿ* cpq"DB{c=2M [.U]j"e~Ap"D/=>ˣ"D=ocm.r˗.\sϟ>|ϟ.\r̯?\Ln.$D!I{ޟe11!mKŏUUUUUUUƪUUUrsyO D//{꺱 {ijB!kK^4pCUUVUUUUUUUUǏϻOH{)iT P ꋻUUU\jz$yCo "!_B,}G=-=i%UKHZc˟>|˕߯#ޞ"/~>lC1i1->OXVUUWϟ>|eyKUUze===D"!__􇥧шIOHKÌ;UUUUUUqǏ\d<6zze2D2"W!wHDK"a7wڼ_Gg>WڪqqǏ5U\2[~$Ap"DBc1i툖iX.|ϱeug^G?yK^_?|UUUU\xǏ4ȕLIZz~$@@BrcW&I1KLe^ܞIg~Wȯ_$E|%KW/9yJ}UTɴC)~8//Ǥ!-=L}Qi WDhZn,^Z޾A|+/^s|I=1Ĉ!5ii{^1 b!ST&RH$Rjjjd=!iZLKϵɴ2OoOO@BWՏKR==-1mlzZjZd&1"zDZ$ Lcn"/="hC=c$2h}[eQZBOR$MMC^hoIMO1pq/z}^ [ZiԵ%==CT1&-.KM̐mCFvz6=6KL^$Apq"!_^c==DiIJ"JfBE[,HF{I=iwD7"ŵǹj-!툓ZOTR &L! iI6TěMcxȑ/eu}XǤ1Lb1 b&KD-SKV!"''Y6-[$$%KlIMOu}_F1i R$!!Hi ZMd2 BJDIV֘(bLiiuzZF7M4:O-11mzDHe GKкQ[c&LzbSTBE$$cŵExZi.\~t-!u~=-1Zc)!i2B$؆-%M$-!ijujc2J!;i=!Mm Ŧ"e6KOOM4ӻ˕.\r˗.\:/Hci !6!贄$1i&{ZC&MKHBHJE !ZE֞%'Rmt҉Ŧ.\r˗.\sϟ>|%i Kǥj:CLCb2#KkoR2&OH==:"Dv-HD-1 ZBVьB! 01AQp"@Pa`q#2RBb3Ccrs$T?v_9;؅|@R~du}gt3b61. ݓm[fK}oaIVWwVضշs󓺷kK(_ql+`)=,'|{1ضjA9϶ٓ~UszǶ[qoEnJI~[ͿPIG~۷y ++~Nqsݻ+Ser6flu(|mǧݑD_C-Mul$mޞǾ)Vۛz+h=[+{<݊C 8*UI;"7'/omwQG|Qޭ)__+o짰w_+[Jc'[+{_{OOaؾ{Y}mW}{mdgN_jmo/IIS5=Q-~_s>_s'QKm>e#WVڶ_x}{U;-eooc+e\wEGôvy}]VO_}e -{,CU=3ظSR6n#+_DQEs)xvO$9>N rŇ=mK*ۨ>w}Cn+2Aڿ7>O vA] \=Uو9jm+a3(ȅqKUpVI(N(QB(Sy䜊(((r2;-#bޫV%[j_fsAN_!(Q[qE9[;+bsJR#DR2 !v@Jᜰ򑝾E+ges.ZVE@( Q)8'w#* 29A#n}G`m A@9 ZTḑ QA8)K Yj{1Tv_(8@ )&M̧#@r@o R2V9w͝gb\y#+KՔ)A)ȣ ߄QjWZTTr(ĩV! ^~Ub~BID0!Թi!Ȣ9A *YOg)6NWlQwʌ~U+gnM U ԍ9+zJ(9&]7Pa<rV]($n#T1 ?%Dc&A0D"EyF@qMPlU"ʪ-`%<*O 6E:@XW>{-M';++ly QgjS$_]:]Q Bmd28!<$2U 2S|UoC oU [8qqMB{EViZZN$tvؾ1f㼎:a,+I "MF`a̓=.4iOmPEE1$䴙n`:tJ03WdڬB]DU&J!:d*cІg-t*v6XU|?NR&<3Q?ގpH}k, kjEe˅ɄÅgo1q :Qq%7MaQ@XV6iYRD9UAПh\ yxOa1"Q.Ez.akSh8'<]n@Q5h9TK\~-i\8 2HT⥇RwFRZ^qVٿQA7+>O| C0"#?+JLf*tψ@4ak5FJ(u3d9_m$-4ï s[TMɃ\۲ZI*1`NA>2{pCBĜ=*K<ejN xx9O "W{J:p 뚁10=[:Q X* k0ΰO9uZ2XuCT> :C|* =Jn2YnV20&4IkA21!a~k{#+ V~fN2e]-{Lkbmik <Ц]4HVם2y`b0u:=cu85h c[,Qa80&Ӫ_Bż2$hXZ5 FGEUJtB|}ĭ80&x 0.}̣,a>f)0pڃghHVٿecjj֥O 9_+PicÑu[ U`| ȆQ{t&4X6a̬N"YahE"Ǿ)uFp{8]~FOMpL,lV\),<1f/T`Ճ GӪ0ITxL^2&y%;W՛gJsæ[TwrO񮣸8MyI%:L-pETȹF qMj/6)pG(5t ъE-1s' 8B4*8=8IU-y0)֤pg)𕴘>+DR5\u=2 LY Y-SXe)Zaxx.6Pl ǃ\U_N7= 8MO Ų3_=[kɍPPBT?*?qzcxM4xÉЫAU_2daU|-<QC|`>-LVnsMJ,A&|֥Ql?fV3:B@.\ڄa'ʬj_3N泜Hhꢾ#[8 Pr<'a:u%:W u4p'9x%0lAUKL N .9ǗA-4G @h}W09^gs/ps<Ԇkp<6 }n3eC-t34XC.Pm*8d4+M(7gb!9 nxo)߻0 j5Ԥi5B`anA38ƻHDQ}r\%RtQ<\Pqc~{+0CBXI):gGڏ)Tayq_BvG?E*S<9Fr+0pTu?zeDHA-i%T"|`Q/11"sDW}FP0O KX# gO M:N;@QjtׇcDvfi?QoJPҀ{ZBy AQDj16h­YI-UȢ'U KҬ6IF~Qߊ*k\2+E(>>[+(F3R*EOS詎JeQ{"MYC1*ڏ킫 Deh"xX2ׄ'շXUzdF˂kX!*O݂M$:kJ[> AE h-o.L,5gIXXSX(`*`S:\) H谅Skî."w :z'6::ATf?yMJEPDx{O',8,1{JGFR 1A㓐0l  U|SLd8*PxZ\GC 428$lȕ黄 *Y[`/r`hMg06crZ.4.&? ⎂ASMdLT5YB.n2G;^#EÌ0N+볅QfZ 434GTK"%ZKO򺣧[$㮱z!j/Z0uOS^vV TOPIQBDg/j$ǴKnXuOEݙ<& 4J q p~M[=sc31a<l-1*5bc-X;@aic[f)ș%ʛX^'8Ɨ\n? 3}%RQ"y*ORco~Vd*$WTOSWWA4H'{y9>CRBrj=3%UV99Aulwiuצ>g8& n0>Pc" b]0NĴkp.%K c Q*MHUT4' !1U٨ D8MxLc?Rk+eVo&ѹɦ:Z#0C`Ԡǖ֋j4:)xPM玊SeQh+YfFzlҨ=y$7􆵣*5iy12*`#s$ۙCJiPTP +CRrk&Ia@ G&J SrS@ABI(KP pGXVA^j?@M&x?ѷFZm t1?@d +ڰʼjǁH Q} BiAAA62'''')V0` '< QT%T!Ty̠joDFRգ=Ghu~9-,Z!8H2 0WH0ŕMdBZg!960Mp%PXq EQTU SNNG` C  ›ACpP0{Ea賣LMK; KkF\cq( ؔx&HtA:   z 7p9uLM `r5bmj{|yiUEQE} 5kOe}lbhRQG#A6qT:uCjOg-ճ V(QE܉<Ӈ4TS;_;mntnBz" Gd! _w}ˀ^MEQE ;/*WMV`QEvCP)iP;6R{-}ؾjbi6V2-(Cofll핶_+uMMMLLLLL3oTި!(+fm[;l[pQGwR?TȢ(&&&uL3oT=Vض6);UPsO zr9|uMꚘ}S:uMT6lb;+}ԏM}<T*=9_+|i7BVY_xvOJT=Prնk]][bj= F;!|/SROe/wFw3v2_;g|W>TmNV_n[+yNz*쥶W[jU G}e})C8S+ll;q2jTgquWjңp1v:[;{DWڶ@gB0vVضݲl[wu{lne\pbeoCo$@ P0`!1AQ?g6?lL~َOMH'Ѹcv+p1 Â_;r^ExrrBUܹ}}0{G}+ЩXɎugbzH5*W!Á&/1sxea7.\j~2pʌa|Ρ8%J+98!dFqv< v >!wD#ş-:hQ<eu:,d:4N Hn\n#*Q W`!r#bJv 0Gsz.\r: 0Gr!˗.\r}kt6=˾B&Ǽ7CdHBdwu!mPC`zu!l0Chx;5ZRJ+!k;C*T:k.\r$;.\!!!}CBMrBS)@ 01P!A`Qa"p?sv0A5Auai}Dkhke"  hk}z[P45!-PꧣzZj:VU=3C4=HcЮ³RTf-;E\c]]YFHkkBԈ vVD1!I"$attIkZ$u1 ղO#UӾmTuG$ 'ʈ !1Ve_ZY=VhvHTǩ19ԮjԘV1!ZQ7m"zܽ2HϡLnH㐝z}J?_"GgR>vg^F%diZVSrm}E\whbY/BޏGܼŘz>Vb\۔?.x>WZ9/{=Yy|'c,<.1k[D:eSVyyo<2{yon19J徉(Y},ŜǔDbcʪ=)"3sS硤y95gL,՜ǒг5y.,1z/1+YcsNzcd2.yYOz1UU< C!$쮕eB!xx3Őz cV"B7>~ endstream endobj 13 0 obj << /Type /Annot /Subtype /Link /A 14 0 R /Border [0 0 0] /H /I /Rect [ 294.4160 440.4126 411.1280 452.6226 ] >> endobj 14 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/industry-challenges/construction/business-loans-for-contractors-the-best-choices/) >> endobj 15 0 obj << /Type /Annot /Subtype /Link /A 16 0 R /Border [0 0 0] /H /I /Rect [ 129.7280 411.1086 133.0640 423.3186 ] >> endobj 16 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/manage-your-money/credit/7-sites-to-see-your-business-credit-report-and-5-of-them-are-free/) >> endobj 17 0 obj << /Type /Annot /Subtype /Link /A 18 0 R /Border [0 0 0] /H /I /Rect [ 306.4400 291.2766 489.1520 303.4866 ] >> endobj 18 0 obj << /Type /Action /S /URI /URI (https://advisorsmith.com/data/average-small-business-loan-amount/) >> endobj 19 0 obj << /Type /ExtGState /BM /Normal /CA 0.3 >> endobj 20 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 21 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 22 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 23 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Annots [ 25 0 R 27 0 R 29 0 R 31 0 R 33 0 R 35 0 R 37 0 R 39 0 R ] /Contents 24 0 R >> endobj 24 0 obj << /Filter /FlateDecode /Length 1978 >> stream xXے}!h^E)5;LrCB2$*_/4(R,$o^D "}Nw& _~MuaY|HIiD+.(Bz\wmZIl+i6z'_^u%{2C$AV[FΨ4RR/mE{6FJjV)ێD_{zx(I,ZxNt:Mbo0 86H) m]-?'Un]Vֳ"O4=`oDGj5𕵃WZ)+Iw(fnEMOFM60IA^d@~JQþj;id[YKlEK6 q1}@QQxwx+Zn#PvN0fDlyV5הmpŔiQ i,qH3W677ZDA'PAJMw|D_b/La҃P_+u@pǜA7ʃ1"(Y&-9W=26+g\JY8NuKwd}Q冎\rޏH HWaEGVCed3o9 EΙWDbZ;$,}οfl# Q[y$bZӣr<#$wBwfv5) ۵o( KRV+) 鲹cB'p;7EɝC#49TN)%4|cw`VgY-pyG rY~-AT2OV%<oٛi6_ Q%˄vsf M}828cxURz.`el u ^D092U-Pk2"E-ˡ<nhHN}VҬ /5xaX-VPL՚7ROȦ d{afp Uv!uٟޛRndNAv9T˽.tf>\`{歧cډcKa*$SՋ@Э% 8ƙ먯`pVF7u;tpZ9,«0-UvLy ? v6}Ϣz "󈏁$i1 }4i[(h+ E1-\-_㣗fˑf+{x}?HJ%1- =u4t&L29J^Dۉdqͪie g3뇜wzWPoV.(ͻZ*  j@ߎD3Ά|^dتP%4-M+Պtݭ`4ց.jCo$f#FL9vX[+ɒ̢ɠ2@a-SM4Bq82[ XIc'!CP-}j*һml?Ѱ+T\[R8LDK_Bmg_8:!s8(rx| KqYu+!AokwK~ە8ǡ7_-F\LHi:C[{m S >z y-;.&ԯȖ(ڗm:fεn|c3_;$0Co\>I,1|B70e.uƕd%r24.b,XB-r^޼O?=u Ff`:9< '߰*'zUO{}eʸ| KQv"*yhm" q7VJ_%W;q|?`8 Qbw9pa:S".=j+'>A`d; P|O) 3¨>kwZ3ŚeH% endstream endobj 25 0 obj << /Type /Annot /Subtype /Link /A 26 0 R /Border [0 0 0] /H /I /Rect [ 477.1760 643.0228 570.5480 655.2328 ] >> endobj 26 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/manage-your-money/financing/best-sources-for-short-term-finance/) >> endobj 27 0 obj << /Type /Annot /Subtype /Link /A 28 0 R /Border [0 0 0] /H /I /Rect [ 435.8360 587.0668 581.2280 599.2768 ] >> endobj 28 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/operating-your-business/business-ownership/tips-on-starting-funding-a-new-business/) >> endobj 29 0 obj << /Type /Annot /Subtype /Link /A 30 0 R /Border [0 0 0] /H /I /Rect [ 35.0000 572.4148 78.3560 584.6248 ] >> endobj 30 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/operating-your-business/business-ownership/tips-on-starting-funding-a-new-business/) >> endobj 31 0 obj << /Type /Annot /Subtype /Link /A 32 0 R /Border [0 0 0] /H /I /Rect [ 119.0360 497.6833 229.7360 509.8933 ] >> endobj 32 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/products-services/business-loans/) >> endobj 33 0 obj << /Type /Annot /Subtype /Link /A 34 0 R /Border [0 0 0] /H /I /Rect [ 425.1680 412.4233 566.5400 424.6333 ] >> endobj 34 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/manage-your-money/financing/6-business-alternatives-for-bank-loans-and-when-they-make-sense/) >> endobj 35 0 obj << /Type /Annot /Subtype /Link /A 36 0 R /Border [0 0 0] /H /I /Rect [ 35.0000 397.7713 548.5520 409.9813 ] >> endobj 36 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/manage-your-money/financing/6-business-alternatives-for-bank-loans-and-when-they-make-sense/) >> endobj 37 0 obj << /Type /Annot /Subtype /Link /A 38 0 R /Border [0 0 0] /H /I /Rect [ 35.0000 383.1193 73.6880 395.3293 ] >> endobj 38 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/manage-your-money/financing/6-business-alternatives-for-bank-loans-and-when-they-make-sense/) >> endobj 39 0 obj << /Type /Annot /Subtype /Link /A 40 0 R /Border [0 0 0] /H /I /Rect [ 35.0000 237.7797 77.0120 249.9897 ] >> endobj 40 0 obj << /Type /Action /S /URI /URI (https://kapitus.com/blog/industry-challenges/trucking/best-loan-options-for-the-trucking-industry/) >> endobj 41 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 42 0 R >> endobj 42 0 obj << /Filter /FlateDecode /Length 1077 >> stream xVMo6W K 8\>zdmMbDKld!%cS;lٛ2-z1-y|P JR8PJ֋k!sqBaڊJuhB+u%a%YtC vV¯v2VVJvA iNO`n֗$, [ s{ic!1Mu't`ХGvTUxndJҁ@-/DQ yחR8R,bRp:)Ωʈ.r☰(O ܍ d7x18OtbOcK/阕~i'5TA&ܳqׇ9 9m:).YEDX('M4T!XZ;೬'|b"G#Fa ULB:ET;TTI<;d$%ځߏ5iG|C)aYӊ^򀴘/H@j9փ986䶨pJ W!&$Tؔ.^33v7Ur(9 {0"d$EωԨeڬD8T1_C֛*e$)h iOwBZd @C\PR,@H\[C RӐPAqNyMIYU5ƆBiJWY9lzwE/9(&4zuJׄr?vrjR؎&y$gl޼"!EB!g)aZ_|g8Ac$PƳ1ϑ '<4UPg= ~5 ě"A;Ż1:rd+>}p*}W%b}!>}8O>gg :B%Mx|ɢ  X4?6 ֜}+2RXrdZԾMYn͘ endstream endobj xref 0 43 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000413 00000 n 0000000450 00000 n 0000000599 00000 n 0000000735 00000 n 0000002538 00000 n 0000002647 00000 n 0000002755 00000 n 0000002863 00000 n 0000002976 00000 n 0000049331 00000 n 0000049459 00000 n 0000049617 00000 n 0000049745 00000 n 0000049913 00000 n 0000050041 00000 n 0000050158 00000 n 0000050217 00000 n 0000050276 00000 n 0000050333 00000 n 0000050390 00000 n 0000050563 00000 n 0000052615 00000 n 0000052743 00000 n 0000052884 00000 n 0000053012 00000 n 0000053172 00000 n 0000053298 00000 n 0000053458 00000 n 0000053586 00000 n 0000053691 00000 n 0000053819 00000 n 0000053988 00000 n 0000054115 00000 n 0000054284 00000 n 0000054410 00000 n 0000054579 00000 n 0000054705 00000 n 0000054855 00000 n 0000054960 00000 n trailer << /Size 43 /Root 1 0 R /Info 5 0 R /ID[<080766b46b6321ae5ef6f435e36896b0><080766b46b6321ae5ef6f435e36896b0>] >> startxref 56111 %%EOF The Advantages of Online Lending - Kapitus

The Advantages of Online Lending

by
a woman holding and showing American dollar banknotes for money
Manage Your Money, Financing, Manage Your Money

As small businesses look to grow and reestablish themselves in the wake of the COVID-19 pandemic, businesses with good personal and business credit scores may have access to more simplified application and speedy approval processes through online lenders than they would typically see from more traditional commercial lenders.

Whether you’re a small business services office, construction company or independent medical practice, access to cash to grow your business or get caught up with expenses is crucial. The first thing you need to do is fFind out your personal credit score, which you can quickly obtain online – and often for free – through various services such as Experian, Equifax or Nav.

Online Lenders are Better for Small Businesses Because They Offer More Choice

“Technology like blockchain and artificial intelligence will bring in new players that will challenge the hegemony of the traditional banks, and this competition will make it better for small businesses with various options,” said Hitendra Chaturvedi, Professor of Practice, Supply Chain Management at Arizona State University’s School of Business, in a recent interview with AdvisorSmith. “Post-pandemic, this could be the birth of a new small business landscape as we know it—and all for the good.”

While credit history, time in business, cash flow and business collateral will always be factors considered by all lenders, online lenders do offer some unique advantages over traditional lenders:

#1 Fewer Application Requirements

A traditional loan may require long and tedious paperwork from an applicant. Some traditional lenders may require you to submit an outline of your ongoing business plans and give presentations outlining your business goals and objectives. They will also probably require tax returns and other IRS documentation, as well as personal credit card statements and outstanding invoices.

Online lenders, however, often only require a signature, credit score and your three most recent bank statements to apply.

#2 Amount, Flexibility of Funds

What if your business only needs to borrow $10,000 or less? Traditional brick and mortar lenders are typically interested in larger loan amounts in order to make more money. Online lenders, however, are usually more flexible in the amount they are willing to lend and more nimble in their terms for the loan.

Additionally, traditional lenders often will require you to specify how the borrowed funds will be used and may require you to commit to using those funds for the exact reason stated. That requirement is often more relaxed with online loans, which typically allow you to use funds for any legitimate business purpose.

#3 Faster Approval and Underwriting

While all traditional lenders are different, some may take 10 -30 days to review and approve your loan. In some cases, small business loans such as SBA loans may take up to 45-60 days, depending on the lender. Traditional lenders will investigate your credit history, collateral of business and the current and projected income of your business. While online lenders do examine many of the same factors, your approval can happen the same day.

Plus, online lenders often use underwriting sources in loan applications that traditional lenders will not, such as a business’s credit card sales and accounts receivable. As such, small business loans from online lenders may be more suitable to small businesses that may not qualify for traditional bank lending.

#4 Personalized Service

Historically, one of the advantages offered by traditional lenders is the ability to speak face-to-face with a banker who will listen to your story. However, more and more, online lenders such as Kapitus have financing specialists who are also able to hear your story, assess your unique situation and incorporate human factors into the online underwriting and approval process.

In addition, many online lenders use their own proprietary risk models, considering factors such as industry, time in business and current external forces. For example, many online lenders will view the COVID-19 pandemic as an extraordinary event and are willing to consider your three-year cash-flow history to get a better idea of your ability to pay back the loan.

#5 For Those With Less-Than-Stellar Credit

Traditional lenders are likely to reject your application if your personal credit score is less than 680. Online lenders, however, may be more willing to give you a loan with a higher interest rate, depending on why you are looking to borrow and what you plan to use the assets for. You should have a chat with your accountant or a financing specialist about your chances of getting approved in such a case.

#6 Financing for Any Business Needs

Online lenders offer a variety of ways to finance a unique business. They often do not ask to see a business plan and are primarily interested in your business revenue history.  Regardless of why you need the money, online lenders, such as Kapitus can offer financing to fit that need. From money to launch a new product, to heavy equipment financing, to lines of credit to handle basic day-to-day operations, online lenders can help you achieve your vision.

Simon Dreyfuss

Simon Dreyfuss

Read More Articles >>

Related Posts

Our trending spaces

June 17, 2024
Financing
Should I Get a Business Loan or Line of Credit?

Read Now

June 17, 2024/by Wil Rivera
June 11, 2024Manage Your Money
Financing
2024 Small Business Grants, The Ultimate List

Read Now

June 11, 2024/by Wil Rivera
June 10, 2024Manage Your Money
Financing
What is a Business Line of Credit?

Read Now

June 10, 2024/by Wil Rivera
Load more

Sign Up For Our Newsletter

Join

Discover

About

Products

Copyright 2024 Strategic Funding Source, Inc. All rights reserved. Kapitus and the Kapitus logo are registered trademarks of Strategic Funding Source, Inc. Loans made or brokered in California are made or brokered pursuant to California Finance Lenders License No. 603-G807.