First Commonwealth Bank

Live  

First Commonwealth Bank is a financial services company based in Indiana, Pennsylvania. It was founded in 1880 and has since grown to become a leading community bank in the state. The bank offers a wide range of services including personal and business banking, investment and wealth management, and insurance.
At First Commonwealth Bank, customers can open various types of accounts such as checking, savings, money market, and certificates of deposit. They also offer loans for personal, business, and mortgages. In addition, the bank provides financial planning and investment advisory services.
The company has over 140 locations throughout Pennsylvania and Ohio, with over 900 employees. In addition to traditional banking services, First Commonwealth Bank also offers online and mobile banking options for added convenience.
First Commonwealth Bank prides itself on its commitment to community involvement and supporting local businesses and organizations. They have a long history of philanthropy and community service, with a focus on education and economic development.
In recent years, First Commonwealth Bank has received numerous accolades for its services and commitment to its customers. This includes being named one of the "Best Banks in Pennsylvania" by MONEY Magazine and one of Forbes' "America's Best-In-State Banks" for 2021.
Overall, First Commonwealth Bank is a well-respected and trusted financial institution that continues to grow and provide valuable services to its customers and local communities.

Rmlyc3QgQ2 9tbW9ud2Vh bHRoIEJhbm sgaXMgYSBw bGFjZSB3aG VyZSBwZW9w bGUgYW5kIG J1c2luZXNz ZXMgY2FuIG tlZXAgdGhl aXIgbW9uZX kgc2FmZS4g SXTigJlzIG xpa2UgYSBi aWcgcGlnZ3 kgYmFuaywg YnV0IG11Y2 ggbW9yZSBz ZWN1cmUgYW 5kIHVzZWZ1 bCEgVGhlIG JhbmsgaGVs cHMgcGVvcG xlIG9wZW4g Y2hlY2tpbm cgYW5kIHNh dmluZ3MgYW Njb3VudHMs IHdoaWNoIG 1lYW5zIHlv dSBjYW4gcH V0IHlvdXIg bW9uZXkgaW 4gdGhlcmUg YW5kIHVzZS BpdCB3aGVu IHlvdSBuZW VkIHRvLiBU aGV5IGFsc2 8gZ2l2ZSBv dXQgbG9hbn MsIHdoaWNo IGFyZSBtb2 5leSBsb2Fu cyB0byBwZW 9wbGUgd2hv IHdhbnQgdG 8gYnV5IGEg aG91c2UsIG EgY2FyLCBv ciBzdGFydC BhIGJ1c2lu ZXNzLjxicj 5Ob3csIGhv dyBkb2VzIE ZpcnN0IENv bW1vbndlYW x0aCBCYW5r IG1ha2UgbW 9uZXk/IFdl bGwsIHdoZW 4geW91IHB1 dCB5b3VyIG 1vbmV5IGlu IHRoZSBiYW 5rLCB0aGV5 IGNhbiB1c2 Ugc29tZSBv ZiBpdCB0by BnaXZlIGxv YW5zIHRvIG 90aGVyIHBl b3BsZS4gVG hvc2UgYm9y cm93ZXJzIH BheSBiYWNr IHRoZSBsb2 FucyB3aXRo IGludGVyZX N0LCB3aGlj aCBpcyBsaW tlIGEgbGl0 dGxlIGV4dH JhIG1vbmV5 IHRoZXkgbX VzdCBwYXkg YmFjayBhbG 9uZyB3aXRo IHRoZSBsb2 FuLiBUaGUg YmFuayBrZW VwcyBzb21l IG9mIHRoYX QgaW50ZXJl c3QgZm9yIG l0c2VsZiBh bmQgcGF5cy B5b3UgYSBi aXQgb2YgaW 50ZXJlc3Qg Zm9yIGtlZX BpbmcgeW91 ciBtb25leS B0aGVyZSwg dG9vLiBUaG F04oCZcyBo b3cgdGhlIG JhbmsgZWFy bnMgbW9uZX khPGJyPkZp cnN0IENvbW 1vbndlYWx0 aCBCYW5rIG lzIHN1Y2Nl c3NmdWwgYm VjYXVzZSBp dCBoZWxwcy BwZW9wbGUg bWFuYWdlIH RoZWlyIG1v bmV5IHdpc2 VseSBhbmQg b2ZmZXJzIH NlcnZpY2Vz IHRoYXQgbW FueSBwZW9w bGUgbmVlZC 4gSXQgYnVp bGRzIHRydX N0IHdpdGgg aXRzIGN1c3 RvbWVycyBi eSBwcm92aW RpbmcgZ29v ZCBzZXJ2aW NlIGFuZCBo ZWxwaW5nIH RoZW0gd2l0 aCB0aGVpci BmaW5hbmNp YWwgbmVlZH MuIEluIHRo ZSBmdXR1cm UsIGl0IHdp bGwgbGlrZW x5IHN0YXkg c3VjY2Vzc2 Z1bCBiZWNh dXNlIGl0IG FkYXB0cyB0 byBuZXcgdG VjaG5vbG9n eSwgbGlrZS BvbmxpbmUg YmFua2luZy BhbmQgbW9i aWxlIGFwcH MsIG1ha2lu ZyBpdCBlYX N5IGZvciBj dXN0b21lcn MgdG8gYWNj ZXNzIHRoZW lyIG1vbmV5 IGFueXRpbW UuIFBsdXMs IGFzIGxvbm cgYXMgcGVv cGxlIG5lZW QgYSBzYWZl IHBsYWNlIG ZvciB0aGVp ciBtb25leS BhbmQgbG9h bnMgdG8gYW NoaWV2ZSB0 aGVpciBkcm VhbXMsIGJh bmtzIGxpa2 UgRmlyc3Qg Q29tbW9ud2 VhbHRoIHdp bGwgaGF2ZS BhIHJlYXNv biB0byBzdW NjZWVkITxi cj4=

VGhlcmUgYX JlIGEgZmV3 IHRoaW5ncy B0aGF0IHNl dCBGaXJzdC BDb21tb253 ZWFsdGggQm FuayBhcGFy dCBmcm9tIG 90aGVyIGJh bmtpbmcgY2 9tcGFuaWVz Ojxicj4xLi BDb21tdW5p dHktZm9jdX NlZDogRmly c3QgQ29tbW 9ud2VhbHRo IEJhbmsgcH JpZGVzIGl0 c2VsZiBvbi BiZWluZyBh IGNvbW11bm l0eSBiYW5r LCBkZWRpY2 F0ZWQgdG8g c2VydmluZy B0aGUgbmVl ZHMgb2YgaW 5kaXZpZHVh bHMsIGZhbW lsaWVzLCBh bmQgYnVzaW 5lc3NlcyBp biB0aGUgYX JlYXMgd2hl cmUgdGhleS BvcGVyYXRl LiBUaGV5IH ByaW9yaXRp emUgYnVpbG Rpbmcgc3Ry b25nIHJlbG F0aW9uc2hp cHMgd2l0aC B0aGVpciBj dXN0b21lcn MgYW5kIGdp dmluZyBiYW NrIHRvIHRo ZSBsb2NhbC Bjb21tdW5p dGllcyB0aH JvdWdoIHZv bHVudGVlci B3b3JrIGFu ZCBmaW5hbm NpYWwgc3Vw cG9ydC48Yn I+Mi4gUGVy c29uYWxpem VkIHNlcnZp Y2U6IEFzIG Egc21hbGxl ciwgcmVnaW 9uYWwgYmFu aywgRmlyc3 QgQ29tbW9u d2VhbHRoIG lzIGFibGUg dG8gb2ZmZX IgYSBtb3Jl IHBlcnNvbm FsaXplZCBh bmQgYXR0ZW 50aXZlIGxl dmVsIG9mIH NlcnZpY2Ug Y29tcGFyZW QgdG8gbGFy Z2VyIG5hdG lvbmFsIGJh bmtzLiBDdX N0b21lcnMg Y2FuIGV4cG VjdCBhIG1v cmUgaW5kaX ZpZHVhbGl6 ZWQgZXhwZX JpZW5jZSBh bmQgcXVpY2 tlciByZXNw b25zZSB0aW 1lcyB0byB0 aGVpciBuZW Vkcy48YnI+ My4gQ29tcH JlaGVuc2l2 ZSBmaW5hbm NpYWwgc29s dXRpb25zOi BGaXJzdCBD b21tb253ZW FsdGggb2Zm ZXJzIGEgd2 lkZSByYW5n ZSBvZiBmaW 5hbmNpYWwg cHJvZHVjdH MgYW5kIHNl cnZpY2VzLC BpbmNsdWRp bmcgcGVyc2 9uYWwgYW5k IGJ1c2luZX NzIGJhbmtp bmcsIHdlYW x0aCBtYW5h Z2VtZW50LC BpbnN1cmFu Y2UsIGFuZC Btb3J0Z2Fn ZXMuIFRoaX MgY29tcHJl aGVuc2l2ZS BhcHByb2Fj aCBhbGxvd3 MgY3VzdG9t ZXJzIHRvIG hhdmUgYWxs IG9mIHRoZW lyIGZpbmFu Y2lhbCBuZW VkcyBtZXQg dW5kZXIgb2 5lIHJvb2Yu PGJyPjQuIF RlY2hub2xv Z2ljYWwgaW 5ub3ZhdGlv bjogV2hpbG Ugcm9vdGVk IGluIHRyYW RpdGlvbmFs IGNvbW11bm l0eSBiYW5r aW5nIHZhbH VlcywgRmly c3QgQ29tbW 9ud2VhbHRo IGlzIGFsc2 8gY29tbWl0 dGVkIHRvIH N0YXlpbmcg Y3VycmVudC B3aXRoIHRl Y2hub2xvZ3 kgYW5kIGlu bm92YXRpb2 4uIFRoZXkg aGF2ZSBpbn Zlc3RlZCBp biBkaWdpdG FsIHNvbHV0 aW9ucyB0by BtYWtlIGJh bmtpbmcgbW 9yZSBjb252 ZW5pZW50IG ZvciB0aGVp ciBjdXN0b2 1lcnMsIHN1 Y2ggYXMgbW 9iaWxlIGJh bmtpbmcgYW 5kIG9ubGlu ZSBhY2NvdW 50IG9wZW5p bmcuPGJyPj UuIEZpbmFu Y2lhbCBzdG FiaWxpdHk6 IEZpcnN0IE NvbW1vbndl YWx0aCBoYX MgYSBzdHJv bmcgaGlzdG 9yeSBvZiBm aW5hbmNpYW wgc3RhYmls aXR5IGFuZC BoYXMgY29u c2lzdGVudG x5IHJlY2Vp dmVkIGhpZ2 ggcmF0aW5n cyBmcm9tIG luZGVwZW5k ZW50IHJhdG luZyBhZ2Vu Y2llcy4gVG hpcyBwcm92 aWRlcyBjdX N0b21lcnMg d2l0aCBjb2 5maWRlbmNl IGFuZCBwZW FjZSBvZiBt aW5kLCBrbm 93aW5nIHRo ZWlyIG1vbm V5IGlzIGlu IGdvb2QgaG FuZHMu

VGhlIGJ1c2 luZXNzIG1v ZGVsIG9mIE ZpcnN0IENv bW1vbndlYW x0aCBCYW5r IGlzIHRvIH Byb3ZpZGUg YSB3aWRlIH JhbmdlIG9m IGZpbmFuY2 lhbCBzZXJ2 aWNlcyB0by BpbmRpdmlk dWFscywgYn VzaW5lc3Nl cywgYW5kIG NvbW11bml0 aWVzIGluIH dlc3Rlcm4g YW5kIGNlbn RyYWwgUGVu bnN5bHZhbm lhIHRocm91 Z2ggaXRzIG 5ldHdvcmsg b2YgYnJhbm NoZXMgYW5k IGRpZ2l0YW wgY2hhbm5l bHMuIFRoaX MgaW5jbHVk ZXMgb2ZmZX JpbmcgcGVy c29uYWwgYW 5kIGJ1c2lu ZXNzIGNoZW NraW5nIGFu ZCBzYXZpbm dzIGFjY291 bnRzLCBob2 1lIGFuZCBh dXRvIGxvYW 5zLCBjcmVk aXQgY2FyZH MsIGludmVz dG1lbnQgc2 VydmljZXMs IGluc3VyYW 5jZSwgYW5k IHdlYWx0aC BtYW5hZ2Vt ZW50IHNlcn ZpY2VzLiBU aGUgYmFuay BhbHNvIGZv Y3VzZXMgb2 4gYnVpbGRp bmcgc3Ryb2 5nIHJlbGF0 aW9uc2hpcH Mgd2l0aCBp dHMgY3VzdG 9tZXJzIGJ5 IHByb3ZpZG luZyBwZXJz b25hbGl6ZW Qgc2Vydmlj ZSBhbmQgY2 9tbXVuaXR5 IGludm9sdm VtZW50LiBJ dHMgZ29hbC BpcyB0byBk cml2ZSBjdX N0b21lciBz YXRpc2ZhY3 Rpb24sIG9w ZXJhdGlvbm FsIGVmZmlj aWVuY3ksIG FuZCBsb25n LXRlcm0gcH JvZml0YWJp bGl0eS4=

AI does pose potential risks to First Commonwealth Bank’s products, services, and competitive positioning through several avenues:
1. Substitution: AI technologies are enabling new financial products and services that can substitute traditional banking offerings. For example, fintech companies leveraging AI for personal finance management, lending, and investment can attract customers away from traditional banks. If these alternatives offer better user experiences, lower fees, or enhanced functionalities, they could significantly impact customer loyalty and market share for First Commonwealth Bank.
2. Disintermediation: AI can enable direct transactions between consumers and service providers, potentially disintermediating banks from certain processes. For instance, peer-to-peer lending platforms powered by AI can allow individuals to lend or borrow money without any financial institution involved, reducing the role of banks in these transactions. As customers increasingly seek more efficient and cost-effective banking solutions, this trend could pose a challenge to First Commonwealth Bank’s traditional business model.
3. Margin Pressure: The integration of AI in banking can lead to increased competition, as new entrants may utilize AI to streamline operations and reduce costs. This can create margin pressure for existing banks like First Commonwealth Bank, as they may need to lower their fees or increase their efficiency to stay competitive. As more players enter the market with innovative, AI-driven solutions, traditional banks might find it difficult to maintain their profit margins.
In summary, while AI offers opportunities for improved service delivery and operational efficiency, it also presents material threats through substitution, disintermediation, and margin pressure for First Commonwealth Bank. To mitigate these risks, the bank may need to adopt AI technologies strategically, enhance its offerings, and focus on maintaining strong customer relationships.

The sensitivity of First Commonwealth Bank’s earnings, cash flow, and valuation to changes in interest rates can be analyzed by considering the bank’s asset-liability mix, interest rate environment, and overall economic conditions.
Earnings: First Commonwealth Bank’s earnings are closely tied to interest rates, especially because banks earn a significant portion of their income from the interest spread between loans and deposits. When interest rates rise, the bank can increase the rates on loans faster than it increases rates on deposits, potentially widening its net interest margin and boosting earnings. Conversely, when rates fall, this margin can compress, leading to lower earnings. Additionally, higher interest rates can reduce loan demand, negatively impacting loan growth and fee income.
Cash Flow: Cash flow is similarly affected by interest rates. Higher rates can lead to increased interest income from loans, enhancing cash flow in the short term. However, if rates rise significantly, borrowing costs for consumers and businesses may increase, leading to reduced borrowing and spending, which could negatively impact cash flow over time. Moreover, changes in interest rates can influence the timing of cash flows from investment securities held by the bank.
Valuation: The valuation of First Commonwealth Bank, like other financial institutions, is influenced by interest rates because they impact both the discounted cash flow analysis and price-to-earnings ratios. Higher interest rates can lead to higher discount rates used in valuation models, which may lower the present value of future cash flows and thus reduce the bank’s valuation. Additionally, the market perception of the bank’s risk profile can change with interest rate fluctuations, further impacting its stock price and overall valuation.
In summary, First Commonwealth Bank’s earnings, cash flow, and valuation are sensitive to changes in interest rates, with rising rates generally benefiting short-term earnings but potentially posing longer-term challenges related to loan demand and valuation adjustments.

T25lIHJlYW xpc3RpYyBz Y2VuYXJpby B0aGF0IGNv dWxkIHBlcm 1hbmVudGx5 IGltcGFpci BGaXJzdCBD b21tb253ZW FsdGggQmFu a+KAmXMgZW Nvbm9taWNz IG92ZXIgdG hlIG5leHQg My01IHllYX JzIGlzIGEg c2lnbmlmaW NhbnQgZWNv bm9taWMgcm VjZXNzaW9u IGNvdXBsZW Qgd2l0aCBw cm9sb25nZW QgbG93IG9y IG5lZ2F0aX ZlIGludGVy ZXN0IHJhdG VzLiBUaGlz IHNjZW5hcm lvIHdvdWxk IHJlc3VsdC Bmcm9tIGEg dmFyaWV0eS BvZiBmYWN0 b3JzLCBpbm NsdWRpbmcg YnV0IG5vdC BsaW1pdGVk IHRvIGRlY3 JlYXNlZCBj b25zdW1lci BzcGVuZGlu ZywgcmlzaW 5nIHVuZW1w bG95bWVudC ByYXRlcywg b3IgZGlzcn VwdGlvbnMg aW4gZ2xvYm FsIHRyYWRl Ljxicj5Jbi B0aGlzIHNj ZW5hcmlvLC BGaXJzdCBD b21tb253ZW FsdGggQmFu ayBjb3VsZC BleHBlcmll bmNlIHNldm VyYWwgbmVn YXRpdmUgaW 1wYWN0cyBv biBpdHMgbW FyZ2lucywg Y2FzaCBmbG 93LCBhbmQg YmFsYW5jZS BzaGVldDo8 YnI+MS4gPH N0cm9uZz5N YXJnaW5zPC 9zdHJvbmc+ OiBUaGUgYm Fua+KAmXMg bmV0IGludG VyZXN0IG1h cmdpbiB3b3 VsZCBsaWtl bHkgc2hyaW 5rIGFzIGxv dyBpbnRlcm VzdCByYXRl cyBjb21wcm VzcyB0aGUg ZGlmZmVyZW 50aWFsIGJl dHdlZW4gd2 hhdCB0aGUg YmFuayBwYX lzIG9uIGRl cG9zaXRzIG FuZCB3aGF0 IGl0IGVhcm 5zIGZyb20g bG9hbnMuIE FzIGJvcnJv d2VycyBzdH J1Z2dsZSB0 byByZXBheS Bsb2FucyBk dXJpbmcgYS ByZWNlc3Np b24sIGRlbG lucXVlbmN5 IHJhdGVzIG NvdWxkIHJp c2Ugc2lnbm lmaWNhbnRs eSwgbGVhZG luZyB0byBo aWdoZXIgcH JvdmlzaW9u cyBmb3IgbG 9hbiBsb3Nz ZXMgYW5kIG Z1cnRoZXIg c3F1ZWV6aW 5nIHRoZSBi YW5r4oCZcy Bwcm9maXRh YmlsaXR5Lj xicj4yLiA8 c3Ryb25nPk Nhc2ggRmxv dzwvc3Ryb2 5nPjogQ2Fz aCBmbG93IH dvdWxkIGJl IGFkdmVyc2 VseSBpbXBh Y3RlZCBhcy Bsb2FuIGRl bWFuZCBkZW NyZWFzZXMg ZHVlIHRvIG Vjb25vbWlj IHVuY2VydG FpbnR5LCBs ZWFkaW5nIH RvIGxvd2Vy IHJldmVudW VzIGZyb20g aW50ZXJlc3 QgaW5jb21l LiBBZGRpdG lvbmFsbHks IHRoZSBiYW 5rIG1heSBz dHJ1Z2dsZS B0byBtYWlu dGFpbiBjb2 5zaXN0ZW50 IGNhc2ggZm xvdyBmcm9t IGZlZXMgYW 5kIGNvbW1p c3Npb25zLC BhZmZlY3Rp bmcgaXRzIG FiaWxpdHkg dG8gZ2VuZX JhdGUgbGlx dWlkaXR5IG FuZCBtYW5h Z2Ugb3Blcm F0aW9uYWwg Y29zdHMgZW ZmZWN0aXZl bHkuPGJyPj MuIDxzdHJv bmc+QmFsYW 5jZSBTaGVl dDwvc3Ryb2 5nPjogVGhl IGJhbmvigJ lzIGJhbGFu Y2Ugc2hlZX Qgd291bGQg YmUgdW5kZX IgcHJlc3N1 cmUgYXMgbm 9wZXJmb3Jt aW5nIGxvYW 5zIGluY3Jl YXNlLCBhZm ZlY3Rpbmcg dGhlIG92ZX JhbGwgYXNz ZXQgcXVhbG l0eSBhbmQg bGVhZGluZy B0byBwb3Rl bnRpYWwgd3 JpdGUtZG93 bnMgb3IgaW 5jcmVhc2Vk IGxvYW4gbG 9zcyByZXNl cnZlcy4gVG hpcyBjb3Vs ZCBsb3dlci B0aGUgYmFu a+KAmXMgY2 FwaXRhbCBy YXRpb3MgYW 5kIHJlZHVj ZSBpdHMgYW JpbGl0eSB0 byBsZXZlcm FnZSBpdHMg YmFsYW5jZS BzaGVldCBl ZmZlY3Rpdm VseS4gVGhl IGRpbWluaX NoaW5nIHJl dHVybnMgb2 4gYXNzZXRz IGNvbWJpbm VkIHdpdGgg cG90ZW50aW FsbHkgc3Rh Z25hbnQgb3 IgZGVjbGlu aW5nIGFzc2 V0IHZhbHVl cyB3b3VsZC BpbXBhaXIg dGhlIG92ZX JhbGwgZXF1 aXR5IHBvc2 l0aW9uLjxi cj5JbiBzdW 1tYXJ5LCB1 bmRlciBhIH Byb3RyYWN0 ZWQgZWNvbm 9taWMgcmVj ZXNzaW9uIH dpdGggbG93 IG9yIG5lZ2 F0aXZlIGlu dGVyZXN0IH JhdGVzLCBG aXJzdCBDb2 1tb253ZWFs dGggQmFua+ KAmXMgZWNv bm9taWNzIH dvdWxkIGJl IHNpZ25pZm ljYW50bHkg aW1wYWlyZW QuIEl0cyBt YXJnaW5zIH dvdWxkIGNv bnRyYWN0LC BjYXNoIGZs b3cgd291bG Qgd2Vha2Vu LCBhbmQgdG hlIGJhbGFu Y2Ugc2hlZX Qgd291bGQg cmVmbGVjdC BhIGhpZ2hl ciByaXNrIH Byb2ZpbGUg d2l0aCBpbm NyZWFzaW5n IG5vcGVyZm 9ybWluZyBh c3NldHMgYW 5kIHN0cmFp bmVkIGNhcG l0YWwgcmF0 aW9zLCBwb3 RlbnRpYWxs eSBsZWFkaW 5nIHRvIGEg bG9uZy10ZX JtIHN0cnVj dHVyYWwgc2 hpZnQgd2l0 aGluIHRoZS BiYW5r4oCZ cyBvcGVyYX Rpb25hbCB2 aWFiaWxpdH kuPGJyPg==

CiAgICAgIC AgICAgIDxk aXYgc3R5bG U9J3dpZHRo OiAxMDAlOy BkaXNwbGF5 OiBmbGV4Oy BqdXN0aWZ5 LWNvbnRlbn Q6IGNlbnRl cjsnPgogIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nCiAgIC AgICAgICAg ICAgICAgIC AgZGlzcGxh eTogZmxleD sKICAgICAg ICAgICAgIC AgICAgICBh bGlnbi1pdG VtczogY2Vu dGVyOwogIC AgICAgICAg ICAgICAgIC AgIGJhY2tn cm91bmQtY2 9sb3I6ICNm MGY0Zjg7Ci AgICAgICAg ICAgICAgIC AgICAgYm9y ZGVyOiAxcH ggc29saWQg I2QxZTNmMD sKICAgICAg ICAgICAgIC AgICAgICBi b3JkZXItcm FkaXVzOiAx MHB4OwogIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH g7CiAgICAg ICAgICAgIC AgICAgICAg bWFyZ2luOi AyMHB4IDA7 CiAgICAgIC AgICAgICAg ICAgICAgZm 9udC1mYW1p bHk6ICJTZW dvZSBVSSIs IFJvYm90by wgc2Fucy1z ZXJpZjsKIC AgICAgICAg ICAgICAgIC AgICBib3gt c2hhZG93Oi AwIDJweCA2 cHggcmdiYS gwLCAwLCAw LCAwLjA1KT sKICAgICAg ICAgICAgIC AgICAgICBt YXgtd2lkdG g6IDkwMHB4 OwogICAgIC AgICAgICAg ICAgICAgIH dpZHRoOiAx MDAlOyc+Cg ogICAgICAg ICAgICAgIC AgICAgIDxp bWcgc3JjPS Jhc3NldHMv bG9nb3MvMH lZOEV5TVI0 V01PZnpuY2 g1VXYud2Vi cCIgYWx0PS JGaXJzdCBD b21tb253ZW FsdGggQmFu ayIgdGl0bG U9IkZpcnN0 IENvbW1vbn dlYWx0aCBC YW5rIiAgY2 xhc3M9Imlt Zy1mbHVpZC IgaGVpZ2h0 PTUwIHdpZH RoPTUwIGxv YWRpbmc9J2 xhenknIHN0 eWxlPSdib3 JkZXItcmFk aXVzOiA2cH g7Jz4KCiAg ICAgICAgIC AgICAgICAg ICAgPGRpdi BzdHlsZT0n ZmxleDogMT sgdGV4dC1h bGlnbjogY2 VudGVyOyBt YXJnaW4tbG VmdDogNXB4 Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgIDxw IHN0eWxlPS dmb250LXNp emU6IDI2cH g7IGNvbG9y OiAjMzMzOy BtYXJnaW4t Ym90dG9tOi AxNXB4Oyc+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICDw n5OIIFdhbn QgdG8gcmVh ZCBtb3JlIG Fib3V0IEZp cnN0IENvbW 1vbndlYWx0 aCBCYW5rPw ogICAgICAg ICAgICAgIC AgICAgICAg ICA8L3A+Cg ogICAgICAg ICAgICAgIC AgICAgICAg ICA8YSBocm VmPSdpbmRl eC5waHA/cG FnZT1zaWdu dXAnIHN0eW xlPScKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIGJhY2tn cm91bmQtY2 9sb3I6ICMw MDdCRkY7Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBjb2 xvcjogI2Zm ZjsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IHBhZGRpbm c6IDEwcHgg MjBweDsKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIGJvcm Rlci1yYWRp dXM6IDVweD sKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIH RleHQtZGVj b3JhdGlvbj ogbm9uZTsK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIGZv bnQtd2VpZ2 h0OiBib2xk OwogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg bWFyZ2luLX JpZ2h0OiAx MHB4OwogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgdHJhbn NpdGlvbjog YmFja2dyb3 VuZC1jb2xv ciAwLjNzIG Vhc2U7Jwog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgb25t b3VzZW92ZX I9J3RoaXMu c3R5bGUuYm Fja2dyb3Vu ZENvbG9yPS IjMDA1NmIz IicKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IG9ubW91c2 VvdXQ9J3Ro aXMuc3R5bG UuYmFja2dy b3VuZENvbG 9yPSIjMDA3 QkZGIic+Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBTaW duIHVwIGZv ciBmcmVlCi AgICAgICAg ICAgICAgIC AgICAgICAg IDwvYT4KCi AgICAgICAg ICAgICAgIC AgICAgICAg IDxzcGFuIH N0eWxlPSdt YXJnaW46ID AgOHB4OyBj b2xvcjogIz U1NTsnPm9y PC9zcGFuPg oKICAgICAg ICAgICAgIC AgICAgICAg ICAgPGEgaH JlZj0naW5k ZXgucGhwP3 BhZ2U9bG9n aW4nIHN0eW xlPScKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIGNvbG9y OiAjMDA3Qk ZGOwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgdGV4dC1k ZWNvcmF0aW 9uOiB1bmRl cmxpbmU7Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBmb2 50LXdlaWdo dDogNTAwOy c+CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Bsb2cgaW4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgPC9hPgoK CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDxwIHN0 eWxlPSdtYX JnaW4tdG9w OiAxNXB4Oy Bmb250LXNp emU6IDEzcH g7IGZvbnQt d2VpZ2h0Oi Bib2xkOyBj b2xvcjogI2 QzMmYyZjsn PgogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg 8J+TmCBDbG FpbSB5b3Vy IGZyZWUgZU Jvb2s6IDxp PiJUaGUgQ2 hlY2tsaXN0 IFZhbHVlIE ludmVzdG9y IOKAlCBBIF NtYXJ0ZXIg V2F5IHRvIF BpY2sgU3Rv Y2tzIjwvaT 4KICAgICAg ICAgICAgIC AgICAgICAg ICAgPC9wPg oKICAgICAg ICAgICAgIC AgICAgICAg ICAgPCEtLQ ogICAgICAg ICAgICAgIC AgICAgICAg ICA8ZGl2IH N0eWxlPSdt YXJnaW4tdG 9wOiAxMnB4 OyBmb250LX NpemU6IDEz cHg7IGNvbG 9yOiAjNDQ0 Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBTaWduIH VwIG5vdyBh bmQgZ2V0IG 91ciBmcmVl IGVCb29rIA ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgPG I+VGhlIENo ZWNrbGlzdC BWYWx1ZSBJ bnZlc3Rvci DigJQgQSBT bWFydGVyIF dheSB0byBQ aWNrIFN0b2 NrczwvYj4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgPC9kaXY+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgIC0tPgog ICAgICAgIC AgICAgICAg ICAgICAgIC A8IS0tCiAg ICAgICAgIC AgICAgICAg ICAgICAgID xkaXYgc3R5 bGU9J21hcm dpbi10b3A6 IDE2cHg7IG ZvbnQtc2l6 ZTogMTRweD sgY29sb3I6 ICM0NDQ7IG ZvbnQtZmFt aWx5OiAtYX BwbGUtc3lz dGVtLCBCbG lua01hY1N5 c3RlbUZvbn QsIFNlZ29l IFVJLCBSb2 JvdG8sIEhl bHZldGljYS BOZXVlLCBz YW5zLXNlcm lmOyBsaW5l LWhlaWdodD ogMS42Oyc+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBI YXZlIHlvdS BoZWFyZCBh Ym91dCBvdX Igc2hvcnQg PHN0cm9uZy BzdHlsZT0n Zm9udC13ZW lnaHQ6IDYw MDsnPkRhaW x5IFZpZGVv IE5ld3NsZX R0ZXI8L3N0 cm9uZz4/Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICA8YS BocmVmPSdo dHRwczovL3 d3dy5pbnNp Z2h0ZnVsdm FsdWUuY29t L25ld3NsZX R0ZXIucGhw JyB0YXJnZX Q9J19ibGFu aycgc3R5bG U9J2NvbG9y OiAjMDA3Qk ZGOyB0ZXh0 LWRlY29yYX Rpb246IG5v bmU7IGZvbn Qtd2VpZ2h0 OiA1MDA7IG 1hcmdpbi1s ZWZ0OiA2cH g7Jz4KICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBG aW5kIG91dC Btb3JlCiAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICA8L2E+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDwvZGl2 PgogICAgIC AgICAgICAg ICAgICAgIC AgICAtLT4K ICAgICAgIC AgICAgICAg ICAgICA8L2 Rpdj4KICAg ICAgICAgIC AgICAgIDwv ZGl2PgogIC AgICAgICAg ICA8L2Rpdj 4KICAgICAg ICAgICAgCi AgICAgICAg CiAgICAgIC AgPHNwYW4g Y2xhc3M9J2 JsdXJyZWQt dGV4dCc+Ci AgICAgICAg ICAgIE1TNG dSbWx5YzMg UWdRMjl0Yl c5dSBkMlZo YkhSb0lFIE poYm1zZ2Qy RnogSUdadm RXNWtaVyBR Z2FXNGdTVz VrIGFXRnVZ U3dnVUcgVn Vibk41Ykha aCBibWxoSU dsdUlEIEU0 T0RBZ1lua2 cgWVNCbmNt OTFjQyBCdl ppQnNiMk5o IGJDQmlkWE 5wYm0gVnpj MjFsYmk0OC BZbkkrTWk0 Z1ZHIGhsSU dKaGJtc2cg YjNCbGNtRj BaVyBRZ2RX NWtaWElnIG RHaGxJRzVo YlcgVWdTVz VrYVdGdSBZ U0JEYjNWdW RIIGtnVTJG MmFXNW4gY3 lCQ1lXNXJJ SCBWdWRHbH NJR2wwIElH Tm9ZVzVuWl cgUWdhWFJ6 SUc1aCBiV1 VnZEc4Z1Jt IGx5YzNRZ1 EyOXQgYlc5 dWQyVmhiSC BSb0lFSmhi bXNnIGFXNG dNVGs0TWkg NDhZbkkrTX k0ZyBSbWx5 YzNRZ1EyID l0Ylc5dWQy VmggYkhSb0 lFSmhibSBz Z2FYTWdZU0 JqIGIyMXRk VzVwZEgga2 dZbUZ1YXlC MCBhR0YwSU hObGNuIFps Y3lCamRYTj AgYjIxbGNu TWdhVyA0Z2 IzWmxjaUF4 IE5EQWdiRz lqWVggUnBi MjV6SUhSby BjbTkxWjJo dmRYIFFnVU dWdWJuTjUg YkhaaGJtbG hJRyBGdVpD QlBhR2x2IE xqeGljajQw TGkgQlVhR1 VnWW1GdSBh eUJ2Wm1abG NuIE1nWVNC M2FXUmwgSU hKaGJtZGxJ RyA5bUlHWn BibUZ1IFky bGhiQ0J6Wl ggSjJhV05s Y3l3ZyBhVz VqYkhWa2FX IDVuSUhCbG NuTnYgYm1G c0lHRnVaQy BCaWRYTnBi bVZ6IGN5Qm lZVzVyYVcg NW5MQ0IzWl dGcyBkR2dn YldGdVlXIG RsYldWdWRD d2cgWVc1a0 lHbHVjMyBW eVlXNWpaUz Q4IFluSStO UzRnUm0gbH ljM1FnUTI5 dCBiVzl1ZD JWaGJIIFJv SUVKaGJtc2 cgYVhNZ2RH aGxJRCBaMG FDQnNZWEpu IFpYTjBJR0 poYm0gc2dh VzRnVUdWdS Bibk41Ykha aGJtIGxoTE NCM2FYUm8g SUc5MlpYSW dKRCBrZ1lt bHNiR2x2IG JpQnBiaUJo YzMgTmxkSE 11UEdKeSBQ all1SUZSb1 pTIEJpWVc1 cklHaGggY3 lCeVpXTmxh WCBabFpDQn VkVzFsIGNt OTFjeUJoZD IgRnlaSE1n WVc1ayBJSE psWTI5bmJt IGwwYVc5dU lHWnYgY2lC cGRITWdZMy BWemRHOXRa WElnIGMyVn lkbWxqWlMg d2dZMjl0Yl hWdSBhWFI1 SUdsdWRtID lzZG1WdFpX NTAgTENCaG JtUWdkMiA5 eWEzQnNZV0 5sIElHTjFi SFIxY20gVX VQR0p5UGpj dSBJRlJvWl NCaVlXIDVy NG9DWmN5Qn cgWVhKbGJu UWdZMiA5dG NHRnVlU3dn IFJtbHljM1 FnUTIgOXRi Vzl1ZDJWaC BiSFJvSUVa cGJtIEZ1WT JsaGJDQkQg YjNKd2IzSm hkRyBsdmJp d2dhWE1nIF lTQndkV0pz YVcgTWdkSE poWkdWayBJ R052YlhCaG JuIGtnYkds emRHVmsgSU c5dUlIUm9a UyBCT1pYY2 dXVzl5IGF5 QlRkRzlqYX kgQkZlR05v WVc1biBaUz Q4WW5JK09D IDRnUm1seW MzUWcgUTI5 dGJXOXVkMi BWaGJIUm9J RUpoIGJtc2 dhR0Z6SUcg RWdjM1J5Yj I1biBJR052 YlcxcGRHID FsYm5RZ2RH OGcgWjJsMm FXNW5JRyBK aFkyc2dkRz hnIGRHaGxJ R052YlcgMT FibWwwZVNC aCBibVFnYz NWd2NHIDl5 ZEhNZ2RtRn kgYVc5MWN5 QnNiMiBOaG JDQnZjbWRo IGJtbDZZWF JwYjIgNXpJ R0Z1WkNCai BhR0Z5YVhS cFpYIE11UE dKeVBqa3Ug SUVsdUlESX dNVCBjc0lI Um9aU0JpIF lXNXJJR0Zq Y1ggVnBjbV ZrSURFeiBJ R0p5WVc1am FHIFZ6SUda eWIyMGcgVT JGdWRHRnVa RyBWeUlFSm hibXNzIElH VjRjR0Z1Wk cgbHVaeUJw ZEhNZyBjSE psYzJWdVky IFVnYVc0Z2 RHaGwgSUZC cGRIUnpZbi BWeVoyZ2di V1YwIGNtOG dZWEpsWVMg NDhZbkkrTV RBdSBJRVpw Y25OMElFIE 52YlcxdmJu ZGwgWVd4MG FDQkNZVyA1 cklHaGhjeU JpIFpXVnVJ SEpsWTIgOW 5ibWw2WldR ZyBZbmtnUm 05eVltIFZ6 SUdGeklHOX UgWlNCdlpp QkJiVyBWeW FXTmg0b0Na IGN5QkNaWE 4wSUUgSmhi bXR6SUdadi BjaUIwYUhK bFpTIEJqYj I1elpXTjEg ZEdsMlpTQj VaVyBGeWN5 QW9NakF4IE 9DMHlNREl3 S1MgNDhZbk krTVRFdSBJ RUZ6SUc5bU lEIEl3TWpB c0lIUm8gWl NCaVlXNXJJ RyBoaGN5Qn ZkbVZ5IElE RXNNekF3SU cgVnRjR3h2 ZVdWbCBjeU JoYm1RZ2FH IEZ6SUdKbF pXNGcgYm1G dFpXUWdZUy BCQ1pYTjBM VWx1IExWTj BZWFJsSUcg VnRjR3h2ZV dWeSBJR0o1 SUVadmNtIE psY3k0OFlu SSsgTVRJdU lFWnBjbiBO MElFTnZiVz F2IGJuZGxZ V3gwYUMgQk NZVzVySUc5 bSBabVZ5Y3 lCaElHIFp5 WldVZ1ptbH UgWVc1amFX RnNJRyBWa2 RXTmhkR2x2 IGJpQndjbT luY20gRnRM Q0JqWVd4cy BaV1FnVkdo bElFIEZDUT NNZ2IyWWcg Ukc5c2JHRn ljeSBCaGJt UWdVMlZ1IG MyVXNJR1p2 Y2kgQnpkSF ZrWlc1MCBj eUJoYm1RZ2 RHIFZoWTJo bGNuTWcgYV c0Z2RHaGxJ RyBOdmJXMT FibWwwIGFX VnpJR2wwSU ggTmxjblps Y3k0OCBZbk krTVRNdUlG IFJvWlNCaV lXNXIgSUdo aGN5QmhJSC BOMGNtOXVa eUJ2IGJteH BibVVnWVcg NWtJRzF2WW 1scyBaU0Jp WVc1cmFXID VuSUhCeVpY TmwgYm1ObE xDQjNhWCBS b0lHRWdkbU Z5IGFXVjBl U0J2WmkgQj BiMjlzY3lC aCBibVFnYz JWeWRtIGxq WlhNZ1ptOX kgSUdOMWMz UnZiVyBWeW N5QjBieUJ0 IFlXNWhaMl VnZEcgaGxh WElnWVdOai BiM1Z1ZEhN dVBHIEp5UG pFMExpQkog YmlBeU1ESX dMQyBCR2FY SnpkQ0JEIG IyMXRiMjUz WlcgRnNkR2 dnUW1GdSBh eUIzWVhNZ2 NtIEZ1YTJW a0lDTTIgTU RJZ2IyNGdk RyBobElFWn ZjblIxIGJt VWdNVEF3TU MgQnNhWE4w SUc5bSBJRU Z0WlhKcFky IEhpZ0psek lHeGggY21k bGMzUWdZMi A5dGNHRnVh V1Z6IExnPT 0KICAgICAg ICA8L3NwYW 4+CiAgICAg ICAgCiAgIC AgICAg