HBT Financial Inc

Live  

HBT Financial, Inc. is a financial services company based in the United States, primarily involved in commercial banking. The company operates through its subsidiary, Heartland Bank and Trust Company, which provides a wide range of banking services to individuals, businesses, and communities. These services typically include deposits, loans, mortgages, treasury management, and investment services.
Founded in the early 2000s, HBT Financial has positioned itself as a community-focused bank, emphasizing strong relationships with its clients and community engagement. The bank often focuses on meeting the needs of local businesses and residents, which is a part of its overall mission.
HBT Financial is publicly traded, and its shares are listed on stock exchanges, allowing investors to buy and sell shares of the company. The bank’s growth strategy typically includes organic growth through increasing deposits and loans, as well as potential acquisitions of smaller banking institutions to expand its footprint.
The company values innovation in banking and often adopts new technologies to enhance customer experience, making banking more accessible and efficient for its clients. HBT Financial’s commitment to customer service and community involvement sets it apart in the competitive banking industry.
Overall, HBT Financial, Inc. aims to provide high-quality financial services while contributing positively to the communities it serves.

SEJUIEZpbm FuY2lhbCBJ bmMgaXMgYS Bjb21wYW55 IHRoYXQgb3 BlcmF0ZXMg YXMgYSBiYW 5rLCB3aGlj aCBtZWFucy BpdCBoZWxw cyBwZW9wbG UgYW5kIGJ1 c2luZXNzZX MgbWFuYWdl IHRoZWlyIG 1vbmV5LiBK dXN0IGxpa2 UgeW91IG1p Z2h0IGhhdm UgYSBwaWdn eSBiYW5rIH RvIHNhdmUg eW91ciBhbG xvd2FuY2Us IEhCVCBGaW 5hbmNpYWwg aGVscHMgcG VvcGxlIHNh dmUgbW9uZX kgc2FmZWx5 IGFuZCBhbH NvIG9mZmVy cyBsb2Fucy B0byB0aG9z ZSB3aG8gbm VlZCBpdCwg bGlrZSB3aG VuIHNvbWVv bmUgd2FudH MgdG8gYnV5 IGEgY2FyIG 9yIGEgaG91 c2UuPGJyPk hCVCBGaW5h bmNpYWwgbW FrZXMgbW9u ZXkgaW4gYS BmZXcgbWFp biB3YXlzLi BGaXJzdCwg d2hlbiBwZW 9wbGUgcHV0 IHRoZWlyIG 1vbmV5IGlu dG8gc2F2aW 5ncyBhY2Nv dW50cywgdG hlIGJhbmsg cGF5cyB0aG VtIGEgbGl0 dGxlIGJpdC BvZiBpbnRl cmVzdCwgd2 hpY2ggaXMg bGlrZSBhIH NtYWxsIHRo YW5rLXlvdS Bmb3Iga2Vl cGluZyB0aG VpciBtb25l eSB0aGVyZS 4gQnV0IEhC VCBGaW5hbm NpYWwgdXNl cyBzb21lIG 9mIHRoYXQg bW9uZXkgdG 8gbGVuZCB0 byBvdGhlcn MgYXQgYSBo aWdoZXIgaW 50ZXJlc3Qg cmF0ZS4gVG hlIGRpZmZl cmVuY2UgYm V0d2VlbiB0 aGUgaW50ZX Jlc3QgdGhl eSBwYXkgdG 8gc2F2ZXJz IGFuZCB0aG UgaW50ZXJl c3QgdGhleS BjaGFyZ2Ug dG8gYm9ycm 93ZXJzIGlz IGhvdyB0aG UgYmFuayBt YWtlcyBpdH MgcHJvZml0 LiBUaGV5IG Fsc28gaGF2 ZSBvdGhlci BzZXJ2aWNl cywgbGlrZS BjaGVja2lu ZyBhY2NvdW 50cyBhbmQg Y3JlZGl0IG NhcmRzLCB3 aGljaCBoZW xwIHRoZW0g ZWFybiBldm VuIG1vcmUg bW9uZXkuPG JyPkhCVCBG aW5hbmNpYW wgaXMgZG9p bmcgd2VsbC Bub3csIGFu ZCBpdOKAmX MgbGlrZWx5 IHRvIHN0YX kgc3VjY2Vz c2Z1bCBpbi B0aGUgZnV0 dXJlIGZvci BhIGZldyBy ZWFzb25zLi BGaXJzdCwg dGhlIGJhbm sgaGFzIGEg Z29vZCByZX B1dGF0aW9u IGFuZCBwcm 92aWRlcyBn cmVhdCBzZX J2aWNlLCBt YWtpbmcgcG VvcGxlIHRy dXN0IHRoZW 0gd2l0aCB0 aGVpciBtb2 5leS4gU2Vj b25kLCB0aG V5IGFyZSBj YXJlZnVsIG FuZCBzbWFy dCBhYm91dC BsZW5kaW5n IG1vbmV5IG FuZCBtYW5h Z2luZyB0aG VpciBmaW5h bmNlcywgd2 hpY2ggaGVs cHMgdGhlbS Bhdm9pZCBs b3NpbmcgbW 9uZXkuIFBs dXMsIGFzIG 1vcmUgcGVv cGxlIGFuZC BidXNpbmVz c2VzIG5lZW QgYmFua2lu ZyBzZXJ2aW NlcywgSEJU IEZpbmFuY2 lhbCBpcyBp biBhIGdvb2 QgcG9zaXRp b24gdG8gaG VscCB0aGVt LCB3aGljaC BtZWFucyB0 aGV5IGNhbi BrZWVwIGdy b3dpbmcgYW 5kIG1ha2lu ZyBtb3JlIG 1vbmV5LiBP dmVyYWxsLC BieSB0YWtp bmcgY2FyZS BvZiB0aGVp ciBjdXN0b2 1lcnMgYW5k IG1ha2luZy B3aXNlIGNo b2ljZXMgd2 l0aCBtb25l eSwgSEJUIE ZpbmFuY2lh bCBjYW4gY2 9udGludWUg dG8gYmUgYS BzdHJvbmcg YW5kIHN1Y2 Nlc3NmdWwg YmFuay48Yn I+

SEJUIEZpbm FuY2lhbCBJ bmMuIGlzIG 5vdGFibGUg Zm9yIHNldm VyYWwgcmVh c29uczo8Yn I+MS4gPHN0 cm9uZz5Db2 1tdW5pdHkg Rm9jdXM8L3 N0cm9uZz46 IEhCVCBGaW 5hbmNpYWwg SW5jLiBpcy Bjb21taXR0 ZWQgdG8gc2 VydmluZyBp dHMgbG9jYW wgY29tbXVu aXRpZXMuIE l0IGVtcGhh c2l6ZXMgcm VsYXRpb25z aGlwIGJhbm tpbmcsIGZv c3RlcmluZy BzdHJvbmcg dGllcyB3aX RoIGl0cyBj dXN0b21lcn MgYW5kIGFk ZHJlc3Npbm cgdGhlaXIg c3BlY2lmaW MgbmVlZHMu PGJyPjIuID xzdHJvbmc+ U2VydmljZS BSYW5nZTwv c3Ryb25nPj ogVGhlIGNv bXBhbnkgb2 ZmZXJzIGEg Y29tcHJlaG Vuc2l2ZSBy YW5nZSBvZi BmaW5hbmNp YWwgc2Vydm ljZXMsIGlu Y2x1ZGluZy BwZXJzb25h bCBhbmQgYn VzaW5lc3Mg YmFua2luZy Bzb2x1dGlv bnMsIHdlYW x0aCBtYW5h Z2VtZW50LC BhbmQgbGVu ZGluZyBvcH Rpb25zLCBh cHBlYWxpbm cgdG8gZGl2 ZXJzZSBjdX N0b21lciBz ZWdtZW50cy 48YnI+My4g PHN0cm9uZz 5Hcm93dGgg U3RyYXRlZ3 k8L3N0cm9u Zz46IEhCVC BoYXMgcHVy c3VlZCBhIG dyb3d0aCBz dHJhdGVneS B0aGF0IGlu Y2x1ZGVzIG JvdGggb3Jn YW5pYyBleH BhbnNpb24g YW5kIHBvdG VudGlhbCBh Y3F1aXNpdG lvbnMsIHdo aWNoIGhlbH BzIGl0IGlu Y3JlYXNlIG l0cyBtYXJr ZXQgcHJlc2 VuY2UgYW5k IGVuaGFuY2 Ugc2Vydmlj ZSBvZmZlcm luZ3MuPGJy PjQuIDxzdH Jvbmc+VGVj aG5vbG9naW NhbCBJbnZl c3RtZW50PC 9zdHJvbmc+ OiBUaGUgY2 9tcGFueSBp bnZlc3RzIG luIHRlY2hu b2xvZ3kgdG 8gaW1wcm92 ZSBjdXN0b2 1lciBleHBl cmllbmNlIG FuZCBzdHJl YW1saW5lIG 9wZXJhdGlv bnMsIGVuc3 VyaW5nIHRo ZXkgcmVtYW luIGNvbXBl dGl0aXZlIG luIHRoZSBy YXBpZGx5IG V2b2x2aW5n IGJhbmtpbm cgbGFuZHNj YXBlLjxicj 41LiA8c3Ry b25nPlNvbG lkIEZpbmFu Y2lhbCBQZX Jmb3JtYW5j ZTwvc3Ryb2 5nPjogSEJU IEZpbmFuY2 lhbCBoYXMg ZGVtb25zdH JhdGVkIHN0 cm9uZyBmaW 5hbmNpYWwg aGVhbHRoLC B3aXRoIHNv bGlkIGVhcm 5pbmdzIGdy b3d0aCBhbm QgYSBmb2N1 cyBvbiBtYW ludGFpbmlu ZyBhIHJvYn VzdCBjYXBp dGFsIHBvc2 l0aW9uLCBt YWtpbmcgaX QgYSBzdGFi bGUgY2hvaW NlIGZvciBp bnZlc3Rvcn MgYW5kIGN1 c3RvbWVycy BhbGlrZS48 YnI+Ni4gPH N0cm9uZz5D b21taXRtZW 50IHRvIFN1 c3RhaW5hYm lsaXR5PC9z dHJvbmc+Oi BUaGUgY29t cGFueSBpcy BpbmNyZWFz aW5nbHkgZm 9jdXNpbmcg b24gc3VzdG FpbmFibGUg cHJhY3RpY2 VzIGFuZCBj b3Jwb3JhdG Ugc29jaWFs IHJlc3Bvbn NpYmlsaXR5 LCB3aGljaC ByZXNvbmF0 ZSB3aXRoIH NvY2lhbGx5 IGNvbnNjaW 91cyBjb25z dW1lcnMuPG JyPlRoZXNl IGZhY3Rvcn MgY29sbGVj dGl2ZWx5IG NvbnRyaWJ1 dGUgdG8gSE JUIEZpbmFu Y2lhbCBJbm Mu4oCZcyB1 bmlxdWUgcG 9zaXRpb24g aW4gdGhlIG Jhbmtpbmcg c2VjdG9yLj xicj4=

SEJUIEZpbm FuY2lhbCBJ bmMuIG9wZX JhdGVzIGFz IGEgYmFuay Bob2xkaW5n IGNvbXBhbn ksIHByaW1h cmlseSBmb2 N1c2VkIG9u IHByb3ZpZG luZyBhIHdp ZGUgcmFuZ2 Ugb2YgYmFu a2luZyBhbm QgZmluYW5j aWFsIHNlcn ZpY2VzLiBJ dHMgYnVzaW 5lc3MgbW9k ZWwgY2VudG VycyBhcm91 bmQgY29sbG VjdGluZyBk ZXBvc2l0cy BhbmQgb2Zm ZXJpbmcgbG 9hbnMgYW5k IGNyZWRpdC Bwcm9kdWN0 cyB0byBpbm RpdmlkdWFs cyBhbmQgYn VzaW5lc3Nl cyBpbiBpdH Mgb3BlcmF0 aW9uYWwgcm VnaW9ucywg cHJpbWFyaW x5IGluIEls bGlub2lzLj xicj5LZXkg Y29tcG9uZW 50cyBvZiBI QlQgRmluYW 5jaWFsIElu Yy7igJlzIG J1c2luZXNz IG1vZGVsIG luY2x1ZGU6 PGJyPjEuID xzdHJvbmc+ RGVwb3NpdG 9yeSBTZXJ2 aWNlczwvc3 Ryb25nPjog VGhlIGNvbX Bhbnkgb2Zm ZXJzIHZhcm lvdXMgZGVw b3NpdCBhY2 NvdW50cywg aW5jbHVkaW 5nIGNoZWNr aW5nIGFjY2 91bnRzLCBz YXZpbmdzIG FjY291bnRz LCBhbmQgY2 VydGlmaWNh dGVzIG9mIG RlcG9zaXQu IFRoaXMgaG VscHMgYXR0 cmFjdCBmdW 5kaW5nIHRo YXQgY2FuIG JlIHVzZWQg Zm9yIGxlbm RpbmcgYWN0 aXZpdGllcy 48YnI+Mi4g PHN0cm9uZz 5MZW5kaW5n IFNlcnZpY2 VzPC9zdHJv bmc+OiBIQl QgRmluYW5j aWFsIHByb3 ZpZGVzIGEg dmFyaWV0eS BvZiBsb2Fu IHByb2R1Y3 RzLCBpbmNs dWRpbmcgY2 9tbWVyY2lh bCBsb2Fucy wgcmVzaWRl bnRpYWwgbW 9ydGdhZ2Vz LCBjb25zdW 1lciBsb2Fu cywgYW5kIG xpbmVzIG9m IGNyZWRpdC 4gVGhlc2Ug bGVuZGluZy BzZXJ2aWNl cyBnZW5lcm F0ZSBpbnRl cmVzdCBpbm NvbWUsIHdo aWNoIGlzIG Egc2lnbmlm aWNhbnQgcm V2ZW51ZSBz b3VyY2UgZm 9yIHRoZSBj b21wYW55Lj xicj4zLiA8 c3Ryb25nPl dlYWx0aCBN YW5hZ2VtZW 50IGFuZCBG aW5hbmNpYW wgU2Vydmlj ZXM8L3N0cm 9uZz46IFRo ZSBjb21wYW 55IG1heSBv ZmZlciBhZG RpdGlvbmFs IGZpbmFuY2 lhbCBzZXJ2 aWNlcyBzdW NoIGFzIGlu dmVzdG1lbn QgbWFuYWdl bWVudCwgZm luYW5jaWFs IHBsYW5uaW 5nLCBhbmQg dHJ1c3Qgc2 VydmljZXMu IFRoaXMgYW xsb3dzIHRo ZW0gdG8gZG l2ZXJzaWZ5 IHRoZWlyIH JldmVudWUg c3RyZWFtcy BiZXlvbmQg dHJhZGl0aW 9uYWwgYmFu a2luZy48Yn I+NC4gPHN0 cm9uZz5Db2 1tdW5pdHkg Rm9jdXM8L3 N0cm9uZz46 IEhCVCBGaW 5hbmNpYWwg ZW1waGFzaX plcyBjb21t dW5pdHkgYm Fua2luZywg d2hpY2ggaW 52b2x2ZXMg YnVpbGRpbm cgc3Ryb25n IHJlbGF0aW 9uc2hpcHMg d2l0aCBjdX N0b21lcnMg YW5kIHN1cH BvcnRpbmcg bG9jYWwgYn VzaW5lc3Nl cy4gVGhpcy BhcHByb2Fj aCBjYW4gZW 5oYW5jZSBj dXN0b21lci Bsb3lhbHR5 IGFuZCBkcm l2ZSBncm93 dGguPGJyPj UuIDxzdHJv bmc+VGVjaG 5vbG9neSBh bmQgSW5ub3 ZhdGlvbjwv c3Ryb25nPj ogVGhlIGNv bXBhbnkgaW 52ZXN0cyBp biB0ZWNobm 9sb2d5IHRv IGltcHJvdm UgY3VzdG9t ZXIgZXhwZX JpZW5jZXMs IHN0cmVhbW xpbmUgb3Bl cmF0aW9ucy wgYW5kIGVu aGFuY2Ugc2 VydmljZSBk ZWxpdmVyeS 4gVGhpcyBp bmNsdWRlcy BvbmxpbmUg YmFua2luZy wgbW9iaWxl IGJhbmtpbm csIGFuZCBv dGhlciBkaW dpdGFsIHNl cnZpY2VzLj xicj5PdmVy YWxsLCBIQl QgRmluYW5j aWFsIEluYy 7igJlzIGJ1 c2luZXNzIG 1vZGVsIGFp bXMgdG8gcH JvdmlkZSBj b21wcmVoZW 5zaXZlIGJh bmtpbmcgc2 9sdXRpb25z IHdoaWxlIG ZvY3VzaW5n IG9uIGNvbW 11bml0eSBl bmdhZ2VtZW 50IGFuZCBt YWludGFpbm luZyBhIHN0 cm9uZyBmaW 5hbmNpYWwg cG9zaXRpb2 4uPGJyPg==

AI does pose potential threats to HBT Financial Inc.’s products, services, and competitive positioning, primarily through substitution, disintermediation, and margin pressure.
1. Substitution: AI-driven financial technologies can create alternative solutions for services traditionally offered by banks, such as lending, investment advice, and asset management. Fintech companies using AI can provide faster, cheaper, and personalized services, making them attractive alternatives for customers. If these alternatives gain traction, HBT Financial may see reduced demand for its traditional offerings.
2. Disintermediation: AI can enable more direct connections between customers and financial services, bypassing traditional banks. For example, peer-to-peer lending platforms and robo-advisors can operate without the need for a traditional banking intermediary. As consumers become more comfortable using these platforms, they may choose to engage directly with AI-powered services instead of HBT Financial, threatening its market share.
3. Margin Pressure: The integration of AI in financial services can lead to increased efficiency and reduced operating costs for competitors. This rise in efficiency could force HBT Financial to lower its prices to remain competitive, which may squeeze its profit margins. Additionally, as AI enables companies to offer more value at lower costs, HBT Financial may need to innovate or enhance its offerings to justify premium pricing.
In summary, while AI presents opportunities for innovation and improved services, it also poses material threats through substitution, disintermediation, and potential margin pressure for HBT Financial Inc. Adaptation to these challenges will be crucial for maintaining competitive positioning in a rapidly evolving landscape.

The sensitivity of HBT Financial Inc.’s earnings, cash flow, and valuation to changes in interest rates can be analyzed through several key factors:
1. Earnings Sensitivity: HBT Financial’s earnings are influenced by interest rates due to its loan and deposit composition. Higher interest rates can lead to increased net interest margin if the bank can raise loan rates faster than deposit rates. Conversely, if rates rise too quickly, it may slow loan demand and increase defaults, negatively impacting earnings.
2. Cash Flow Sensitivity: Cash flow for HBT Financial primarily comes from interest income generated from loans and securities. Rising interest rates can enhance cash flows initially by increasing interest income. However, the cost of borrowing for customers may rise, potentially leading to reduced loan demand, which could ultimately constrain cash flows if loan growth slows significantly.
3. Valuation Sensitivity: The valuation of HBT Financial is typically assessed using discounted cash flow models, which are sensitive to interest rates. An increase in rates usually leads to a higher discount rate applied to future cash flows, lowering the present value of those cash flows, which can lead to a decrease in company valuation. Additionally, higher rates can affect investor sentiment and market multiples applied to the bank’s earnings.
Overall, while HBT Financial could benefit from rising interest rates in terms of net interest income, there are also risks involved that could mitigate those benefits and impact the company’s earnings, cash flow, and valuation negatively if rates increase too rapidly or lead to slower economic growth. Investors should continuously monitor the interest rate environment and its potential effects on the company’s financial health.

T25lIHJlYW xpc3RpYyBz Y2VuYXJpby B0aGF0IGNv dWxkIHBlcm 1hbmVudGx5 IGltcGFpci BIQlQgRmlu YW5jaWFsIE luY+KAmXMg ZWNvbm9taW NzIG92ZXIg dGhlIG5leH QgM+KAkzUg eWVhcnMgaX MgYSBwcm9s b25nZWQgZW Nvbm9taWMg ZG93bnR1cm 4sIGNoYXJh Y3Rlcml6ZW QgYnkgaGln aCB1bmVtcG xveW1lbnQg cmF0ZXMsIG xvdyBjb25z dW1lciBzcG VuZGluZywg YW5kIHNpZ2 5pZmljYW50 IGNyZWRpdC BkZWZhdWx0 cy4gTGV04o CZcyBhbmFs eXplIGhvdy B0aGlzIHNj ZW5hcmlvIG 1pZ2h0IGFm ZmVjdCB0aG UgY29tcGFu eeKAmXMgbW FyZ2lucywg Y2FzaCBmbG 93LCBhbmQg YmFsYW5jZS BzaGVldC48 YnI+MS4gPH N0cm9uZz5N YXJnaW5zPC 9zdHJvbmc+ OiA8YnI+IC AgSW4gYSBw cm9sb25nZW QgZWNvbm9t aWMgZG93bn R1cm4sIEhC VCBGaW5hbm NpYWwgd291 bGQgbGlrZW x5IHNlZSBh IGRlY2xpbm UgaW4gbmV0 IGludGVyZX N0IG1hcmdp bnMgZHVlIH RvIGEgcG90 ZW50aWFsIG RlY3JlYXNl IGluIGludG VyZXN0IHJh dGVzIGFuZC Bsb3dlciBs b2FuIG9yaW dpbmF0aW9u IHZvbHVtZX MuIEFkZGl0 aW9uYWxseS wgYW4gaW5j cmVhc2UgaW 4gbG9hbiBk ZWZhdWx0cy B3b3VsZCBj b21wZWwgdG hlIGNvbXBh bnkgdG8gYW xsb2NhdGUg bW9yZSBmdW 5kcyBmb3Ig cmVzZXJ2ZX MgYWdhaW5z dCBiYWQgZG VidHMsIHdo aWNoIHdvdW xkIGZ1cnRo ZXIgY29tcH Jlc3MgbWFy Z2lucy4gVG hlIHJlc3Vs dCBjb3VsZC BiZSByZWR1 Y2VkIHByb2 ZpdGFiaWxp dHkgZnJvbS Bjb3JlIG9w ZXJhdGlvbn MgY29tcGFy ZWQgdG8gcH JlLWRvd250 dXJuIGxldm Vscy48YnI+ Mi4gPHN0cm 9uZz5DYXNo IEZsb3c8L3 N0cm9uZz46 PGJyPiAgIE Nhc2ggZmxv dyB3b3VsZC BhbHNvIGJl IG5lZ2F0aX ZlbHkgaW1w YWN0ZWQuIF JlZHVjZWQg bG9hbiBkZW 1hbmQgYW5k IGluY3JlYX NpbmcgZGVm YXVsdHMgd2 91bGQgcmVz dWx0IGluIG EgZGVjbGlu ZSBpbiBpbm NvbWluZyBj YXNoIGZyb2 0gaW50ZXJl c3QgYW5kIG ZlZXMuIFRo ZSBjb21wYW 55IG1pZ2h0 IGV4cGVyaW VuY2UgaGln aGVyIG9wZX JhdGlvbmFs IGNvc3RzIG Fzc29jaWF0 ZWQgd2l0aC BtYW5hZ2lu ZyBub3Blcm Zvcm1pbmcg bG9hbnMsIH doaWNoIHdv dWxkIHN0cm FpbiBjYXNo IGZsb3cuIE Z1cnRoZXIs IGlmIHRoZS Bjb21wYW55 IGZhY2VzIG xpcXVpZGl0 eSBpc3N1ZX MgZHVlIHRv IG1hcmtldC Bjb25kaXRp b25zLCBpdC BtYXkgcmVz b3J0IHRvIH VuYXBwZWFs aW5nIGZpbm FuY2luZyBv cHRpb25zLC BzdWNoIGFz IGhpZ2hlci 1jb3N0IGJv cnJvd2luZy wgZXhhY2Vy YmF0aW5nIG Nhc2ggZmxv dyBzdHJlc3 MuPGJyPjMu IDxzdHJvbm c+QmFsYW5j ZSBTaGVldD wvc3Ryb25n Pjo8YnI+IC AgT24gdGhl IGJhbGFuY2 Ugc2hlZXQs IHRoZSBpbX BhY3Qgb2Yg YW4gZWNvbm 9taWMgZG93 bnR1cm4gd2 91bGQgYmUg dmlzaWJsZS BpbiBhIGdy b3dpbmcgYW NjdW11bGF0 aW9uIG9mIG 5vcGVyZm9y bWluZyBsb2 FucywgcmVk dWNpbmcgdG hlIHF1YWxp dHkgb2YgdG hlIGxvYW4g cG9ydGZvbG lvLiBBbiBp bmNyZWFzZS BpbiBwcm92 aXNpb25zIG ZvciBsb2Fu IGxvc3Nlcy B3b3VsZCBy ZXN1bHQgaW 4gbG93ZXIg YXNzZXQgdm FsdWVzLCBh ZHZlcnNlbH kgYWZmZWN0 aW5nIGVxdW l0eS4gQWRk aXRpb25hbG x5LCBpZiB0 aGUgY29tcG FueSBoYWQg dG8gaXNzdW UgbmV3IGRl YnQgb3IgZX F1aXR5IHRv IHNob3JlIH VwIGNhcGl0 YWwsIGl0IG NvdWxkIGRp bHV0ZSBleG lzdGluZyBz aGFyZWhvbG RlcnMgb3Ig aW5jcmVhc2 UgbGV2ZXJh Z2UsIG1ha2 luZyB0aGUg YmFsYW5jZS BzaGVldCBt b3JlIHZ1bG 5lcmFibGUu IERlYnQtdG 8tZXF1aXR5 IHJhdGlvcy Bjb3VsZCBy aXNlIGFzIG VxdWl0eSBp cyBpbXBhY3 RlZCBieSBs b3dlciBwcm 9maXRhYmls aXR5IGFuZC Bwb3RlbnRp YWwgYXNzZX Qgd3JpdGVk b3ducy48Yn I+T3ZlcmFs bCwgaWYgdG hpcyBzY2Vu YXJpbyB1bm ZvbGRlZCwg SEJUIEZpbm FuY2lhbCBJ bmMgd291bG QgbGlrZWx5 IHNlZSBkZW NsaW5pbmcg cHJvZml0YW JpbGl0eSwg c3RyYWluZW QgY2FzaCBm bG93LCBhbm QgYSB3ZWFr ZXIgYmFsYW 5jZSBzaGVl dCwgd2hpY2 ggY291bGQg c2hpZnQgdG hlIGNvbXBh bnnigJlzIG xvbmdlci10 ZXJtIGdyb3 d0aCB0cmFq ZWN0b3J5IG FuZCBwb3Rl bnRpYWxseS BsZWFkIHRv IHN0cmF0ZW dpYyByZWNv bnNpZGVyYX Rpb25zLjxi cj4=

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 bG9nb3MvMz VaMU5TY01l MjVPekoxcD Y0UDAud2Vi cCIgYWx0PS JIQlQgRmlu YW5jaWFsIE luYyIgdGl0 bGU9IkhCVC BGaW5hbmNp YWwgSW5jIi AgY2xhc3M9 ImltZy1mbH VpZCIgaGVp Z2h0PTUwIH dpZHRoPTUw IGxvYWRpbm c9J2xhenkn IHN0eWxlPS dib3JkZXIt cmFkaXVzOi A2cHg7Jz4K CiAgICAgIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nZmxleD ogMTsgdGV4 dC1hbGlnbj ogY2VudGVy OyBtYXJnaW 4tbGVmdDog NXB4Oyc+Ci AgICAgICAg ICAgICAgIC AgICAgICAg IDxwIHN0eW xlPSdmb250 LXNpemU6ID I2cHg7IGNv bG9yOiAjMz MzOyBtYXJn aW4tYm90dG 9tOiAxNXB4 Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICDwn5OIIF dhbnQgdG8g cmVhZCBtb3 JlIGFib3V0 IEhCVCBGaW 5hbmNpYWwg SW5jPwogIC AgICAgICAg ICAgICAgIC AgICAgICA8 L3A+CgogIC AgICAgICAg ICAgICAgIC AgICAgICA8 YSBocmVmPS dpbmRleC5w aHA/cGFnZT 1zaWdudXAn IHN0eWxlPS cKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG JhY2tncm91 bmQtY29sb3 I6ICMwMDdC RkY7CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBjb2xvcj ogI2ZmZjsK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIHBh ZGRpbmc6ID EwcHggMjBw eDsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IGJvcmRlci 1yYWRpdXM6 IDVweDsKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIHRleH QtZGVjb3Jh dGlvbjogbm 9uZTsKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIGZvbnQt d2VpZ2h0Oi Bib2xkOwog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgbWFy Z2luLXJpZ2 h0OiAxMHB4 OwogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg dHJhbnNpdG lvbjogYmFj a2dyb3VuZC 1jb2xvciAw LjNzIGVhc2 U7JwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Agb25tb3Vz ZW92ZXI9J3 RoaXMuc3R5 bGUuYmFja2 dyb3VuZENv bG9yPSIjMD A1NmIzIicK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIG9u bW91c2VvdX Q9J3RoaXMu c3R5bGUuYm Fja2dyb3Vu ZENvbG9yPS IjMDA3QkZG Iic+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBTaWduIH VwIGZvciBm cmVlCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDwv YT4KCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDxz cGFuIHN0eW xlPSdtYXJn aW46IDAgOH B4OyBjb2xv cjogIzU1NT snPm9yPC9z cGFuPgoKIC AgICAgICAg ICAgICAgIC AgICAgICAg PGEgaHJlZj 0naW5kZXgu cGhwP3BhZ2 U9bG9naW4n IHN0eWxlPS cKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG NvbG9yOiAj MDA3QkZGOw ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgdG V4dC1kZWNv cmF0aW9uOi B1bmRlcmxp bmU7CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBmb250LX dlaWdodDog NTAwOyc+Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBsb2 cgaW4KICAg ICAgICAgIC AgICAgICAg ICAgICAgPC 9hPgoKCiAg ICAgICAgIC AgICAgICAg ICAgICAgID xwIHN0eWxl PSdtYXJnaW 4tdG9wOiAx NXB4OyBmb2 50LXNpemU6 IDEzcHg7IG ZvbnQtd2Vp Z2h0OiBib2 xkOyBjb2xv cjogI2QzMm YyZjsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAg8J+O gSBGcmVlIG Rvd25sb2Fk ISA8aT4iVG hlIENoZWNr bGlzdCBWYW x1ZSBJbnZl c3RvciDigJ QgQSBTbWFy dGVyIFdheS B0byBQaWNr IFN0b2Nrcy I8L2k+CiAg ICAgICAgIC AgICAgICAg ICAgICAgID wvcD4KCiAg ICAgICAgIC AgICAgICAg ICAgICAgID whLS0KICAg ICAgICAgIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nbWFyZ2 luLXRvcDog MTJweDsgZm 9udC1zaXpl OiAxM3B4Oy Bjb2xvcjog IzQ0NDsnPg ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgU2 lnbiB1cCBu b3cgYW5kIG dldCBvdXIg ZnJlZSBlQm 9vayAKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIDxiPlRo ZSBDaGVja2 xpc3QgVmFs dWUgSW52ZX N0b3Ig4oCU IEEgU21hcn RlciBXYXkg dG8gUGljay BTdG9ja3M8 L2I+CiAgIC AgICAgICAg ICAgICAgIC AgICAgIDwv ZGl2PgogIC AgICAgICAg ICAgICAgIC AgICAgICAt LT4KICAgIC AgICAgICAg ICAgICAgIC AgICAgPCEt LQogICAgIC AgICAgICAg ICAgICAgIC AgICA8ZGl2 IHN0eWxlPS dtYXJnaW4t dG9wOiAxNn B4OyBmb250 LXNpemU6ID E0cHg7IGNv bG9yOiAjND Q0OyBmb250 LWZhbWlseT ogLWFwcGxl LXN5c3RlbS wgQmxpbmtN YWNTeXN0ZW 1Gb250LCBT ZWdvZSBVSS wgUm9ib3Rv LCBIZWx2ZX RpY2EgTmV1 ZSwgc2Fucy 1zZXJpZjsg bGluZS1oZW lnaHQ6IDEu NjsnPgogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgSGF2ZS B5b3UgaGVh cmQgYWJvdX Qgb3VyIHNo b3J0IDxzdH Jvbmcgc3R5 bGU9J2Zvbn Qtd2VpZ2h0 OiA2MDA7Jz 5EYWlseSBW aWRlbyBOZX dzbGV0dGVy PC9zdHJvbm c+PwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgPGEgaHJl Zj0naHR0cH M6Ly93d3cu aW5zaWdodG Z1bHZhbHVl LmNvbS9uZX dzbGV0dGVy LnBocCcgdG FyZ2V0PSdf YmxhbmsnIH N0eWxlPSdj b2xvcjogIz AwN0JGRjsg dGV4dC1kZW NvcmF0aW9u OiBub25lOy Bmb250LXdl aWdodDogNT AwOyBtYXJn aW4tbGVmdD ogNnB4Oyc+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgRmluZC BvdXQgbW9y ZQogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg PC9hPgogIC AgICAgICAg ICAgICAgIC AgICAgICA8 L2Rpdj4KIC AgICAgICAg ICAgICAgIC AgICAgICAg LS0+CiAgIC AgICAgICAg ICAgICAgIC AgPC9kaXY+ CiAgICAgIC AgICAgICAg ICA8L2Rpdj 4KICAgICAg ICAgICAgPC 9kaXY+CiAg ICAgICAgIC AgIAogICAg ICAgIAogIC AgICAgIDxz cGFuIGNsYX NzPSdibHVy cmVkLXRleH QnPgogICAg ICAgICAgIC BTRUpVSUVa cGJtIEZ1WT JsaGJDQkog Ym1Nc0lHVn pkRyBGaWJH bHphR1ZrIE lHRnpJR0Vn Wm0gbHVZVz VqYVdGcyBJ SE5sY25acF kyIFZ6SUhC eWIzWnAgWk dWeUxDQm9Z WCBNZ1lTQj FibWx4IGRX VWdjSEpsYz IgVnVZMlVn YVc0ZyBkR2 hsSUdKaGJt IHRwYm1jZ2 FXNWsgZFhO MGNua3VJRS BobGNtVWdZ WEpsIElITn ZiV1VnYVcg NTBaWEpsYz NScCBibWNn Wm1GamRIIE 1nWVdKdmRY UWcgZEdobE lHTnZiWCBC aGJuazZQR0 p5IFBqRXVJ RTl5YVcgZH Bibk02SUVo QyBWQ0JHYV c1aGJtIE5w WVd3Z2QyRn ogSUdadmNt MWxaQyBCMG FISnZkV2Rv IElIUm9aU0 J0WlggSm5a WElnYjJZZy BTR1ZoY25S c1lXIDVrSU VKaGJtc2cg WVc1a0lHbD BjeSBCb2Iy eGthVzVuIE lHTnZiWEJo Ym4ga3NJR3 hsWVdScCBi bWNnZEc4Z1 lTIEJtYjJO MWN5QnYgYm lCamIyMXRk VyA1cGRIa3 RiM0pwIFpX NTBaV1FnWW 0gRnVhMmx1 WnlCeiBaWE oyYVdObGN5 IDQ4WW5JK0 1pNGcgUTI5 dGJYVnVhWC BSNUlFWnZZ M1Z6IE9pQl VhR1VnWTIg OXRjR0Z1ZV NCdyBiR0Zq WlhNZ1lTIE J6ZEhKdmJt Y2cgWlcxd2 FHRnphWCBN Z2IyNGdjMl Z5IGRtbHVa eUJzYjIgTm hiQ0JqYjIx dCBkVzVwZE dsbGN5IHdn YjJabVpYSn AgYm1jZ2NH VnljMiA5dV lXeHBlbVZr IElHSmhibX RwYm0gY2dj MjlzZFhScC BiMjV6SUdG dVpDIEJoWT NScGRtVnMg ZVNCd1lYSj BhVyBOcGNH RjBhVzVuIE lHbHVJR3h2 WTIgRnNJR1 JsZG1WcyBi M0J0Wlc1ME lHIGx1YVhS cFlYUnAgZG 1WekxqeGlj aiA0ekxpQl NZVzVuIFpT QnZaaUJUWl ggSjJhV05s Y3pvZyBTRU pVSUVacGJt IEZ1WTJsaG JDQncgY205 MmFXUmxjeS BCaElHUnBk bVZ5IGMyVW dZWEp5WVgg a2diMllnWm 1sdSBZVzVq YVdGc0lIIE J5YjJSMVkz UnogTENCcG JtTnNkVyBS cGJtY2dZMj l0IGJXVnlZ MmxoYkMgQm hibVFnWTI5 dSBjM1Z0Wl hJZ1ltIEZ1 YTJsdVp5Qn ogWlhKMmFX TmxjeSB3Z2 JXOXlkR2Ro IFoyVWdiR1 Z1WkcgbHVa eXdnWVc1ay BJR2x1ZG1W emRHIDFsYm 5RZ2JXRnUg WVdkbGJXVn VkQyA0OFlu SStOQzRnIF JHbG5hWFJo YkMgQkNZVz VyYVc1biBP aUJVYUdVZ1 kyIDl0Y0dG dWVTQm8gWV hNZ1pXMWlj bSBGalpXUW dkR1ZqIGFH NXZiRzluZV Mgd2diMlpt WlhKcCBibW NnY205aWRY IE4wSUdScF oybDAgWVd3 Z1ltRnVhMi BsdVp5QnZj SFJwIGIyNX pJSFJvWVgg UWdaVzVoWW 14bCBJR04x YzNSdmJXIF Z5Y3lCMGJ5 QnQgWVc1aF oyVWdkRyBo bGFYSWdabW x1IFlXNWpa WE1nWTIgOX VkbVZ1YVdW dSBkR3g1SU c5dWJHIGx1 WlNCdmNpQj IgYVdFZ2JX OWlhVyB4bE lIQnNZWFJt IGIzSnRjeT Q4WW4gSStO UzRnU1c1Mi BaWE4wYldW dWRDIEJwYm lCVVpXTm8g Ym05c2IyZD VPaSBCSVFs UWdhWE1nIF kyOXRiV2ww ZEcgVmtJSF J2SUdsdCBj SEp2ZG1sdV p5IEJqZFhO MGIyMWwgY2 lCbGVIQmxj bSBsbGJtTm xJSFJvIGNt OTFaMmdnZE cgVmphRzV2 Ykc5biBhV0 5oYkNCcGJu IFpsYzNSdF pXNTAgY3lC aGJtUWdhVy A1dWIzWmhk R2x2IGJuTX NJR1Z1YzMg VnlhVzVuSU hObCBZM1Z5 WlNCaGJtIF FnWldabWFX TnAgWlc1ME lHSmhibSB0 cGJtY2djSE p2IFkyVnpj MlZ6TGogeG ljajQyTGlC RCBiMjF0YV hSdFpXIDUw SUhSdklFUn AgZG1WeWMy bDBlVCBvZ1 NFSlVJRVpw IGJtRnVZMm xoYkMgQndj bWx2Y21sMC BhWHBsY3lC a2FYIFpsY2 5OcGRIa2cg WVc1a0lHbH VZMiB4MWMy bHZiaUIzIG FYUm9hVzRn YVggUnpJSG R2Y210bSBi M0pqWlNCaG JtIFFnYzJW bGEzTWcgZE c4Z2NtVm1i RyBWamRDQj BhR1VnIFky OXRiWFZ1YV ggUnBaWE1n YVhRZyBjMl Z5ZG1WeklH IGx1SUdsMG N5Qm8gYVhK cGJtY2djSC BKaFkzUnBZ MlZ6IExqeG ljajQzTGkg QlBkWFJ6ZE dGdSBaR2x1 WnlCUVpYIE ptYjNKdFlX NWogWlRvZ1 ZHaGxJRyBs dWMzUnBkSF YwIGFXOXVJ R2hoY3kgQn laV05sYVha bCBaQ0IyWV hKcGIzIFZ6 SUdGalkyOX MgWVdSbGN5 Qm1iMyBJZ2 FYUnpJR1pw IGJtRnVZMm xoYkMgQnda WEptYjNKdC BZVzVqWlN3 Z1pHIFZ0Yj I1emRISmgg ZEdsdVp5Qm piMiA1emFY TjBaVzUwIE lHZHliM2Qw YUMgQmhibV FnYzNSeSBi MjVuSUcxaG JtIEZuWlcx bGJuUWcgY0 hKaFkzUnBZ MiBWekxqeG ljajQ0IExp Qk1iMk5oYk MgQkZibWRo WjJWdCBaVz UwT2lCSVFs IFFnUm1sdV lXNWogYVdG c0lHbHpJRy B0dWIzZHVJ R1p2IGNpQn BkSE1nWVcg TjBhWFpsSU dsdSBkbTlz ZG1WdFpXID UwSUdsdUlH eHYgWTJGc0 lHTm9ZWCBK cGRHbGxjeU JoIGJtUWdi M0puWVcgNX BlbUYwYVc5 dSBjeXdnYz NWd2NHIDl5 ZEdsdVp5Qn AgYm1sMGFX RjBhWCBabG N5QjBhR0Yw IElHWnZjM1 JsY2kgQmpi MjF0ZFc1cC BkSGtnWjNK dmQzIFJvSU dGdVpDQnkg WlhOcGJHbG xibSBObExq eGljajQ1IE xpQkZiWEJz YjMgbGxaU0 JFWlhabCBi Rzl3YldWdW REIG9nVkdo bElHTnYgYl hCaGJua2dh VyA1MlpYTj BjeUJwIGJp QjBhR1VnY0 ggSnZabVZ6 YzJsdiBibU ZzSUdkeWIz IGQwYUNCdl ppQnAgZEhN Z1pXMXdiRy A5NVpXVnpM Q0J3IGNtOT JhV1JwYm0g Y2dkSEpoYV c1cCBibWNn WVc1a0lHIF JsZG1Wc2Iz QnQgWlc1ME lIQnliMiBk eVlXMXpJSF J2IElHVnVh R0Z1WTIgVW djMnRwYkd4 eiBJR0Z1Wk NCallYIEps WlhJZ1lXUj IgWVc1alpX MWxibiBRZ2 IzQndiM0ow IGRXNXBkR2 xsY3kgNDhZ bkkrTVRBdS BJRkpsYzNC dmJuIE5wZG 1VZ1EzVnog ZEc5dFpYSW dVMiBWeWRt bGpaVG9nIF NFSlVJRVpw Ym0gRnVZMm xoYkNCdyBj bWxrWlhNZ2 FYIFJ6Wld4 bUlHOXUgSU dSbGJHbDJa WCBKcGJtY2 daWGhqIFpY QjBhVzl1WV cgd2dZM1Z6 ZEc5dCBaWE lnYzJWeWRt IGxqWlN3Z2 QybDAgYUNC aElHTnZiVy AxcGRHMWxi blFnIGRHOG dZbVZwYm0g Y2djbVZ6Y0 c5dSBjMmwy WlNCMGJ5IE IwYUdVZ2Jt VmwgWkhNZ1 lXNWtJRyBa bFpXUmlZV0 5yIElHOW1J R2wwY3kgQm pkWE4wYjIx bCBjbk11SU R4aWNqIDVV YUdWelpTQm 0gWVdOMGN5 Qm9hVyBkb2 JHbG5hSFFn IFNFSlVJRV pwYm0gRnVZ MmxoYkNCSi BibVBpZ0ps eklHIFJsWk dsallYUnAg YjI0Z2RHOG dZMiA5dGJY VnVhWFI1IE lHSmhibXRw Ym0gY3NJSF JsWTJodSBi Mnh2WjJsal lXIHdnYVc1 dWIzWmggZE dsdmJpd2dZ VyA1a0lHRW djM1J5IGIy NW5JR1YwYU cgOXpJRzlt SUdOMSBjM1 J2YldWeUlH IEZ1WkNCbG JYQnMgYjNs bFpTQmxibS BkaFoyVnRa VzUwIExqeG ljajQ9CiAg ICAgICAgPC 9zcGFuPgog ICAgICAgIA ogICAgICAg IA==