Dime Community Bank

Live  

Dime Community Bank is a US-based banking institution that provides a range of financial products and services to individuals and businesses. It was founded in 1864 and is headquartered in Brooklyn, New York. The bank operates over 30 branches across New York and New Jersey.
Products and services offered by Dime Community Bank include personal and business checking and savings accounts, loans, mortgages, credit cards, and investment services. The bank also offers online and mobile banking services for convenient account management.
Dime Community Bank is committed to supporting its local communities and frequently partners with local organizations and charities to give back. The bank also has a strong focus on sustainability and implementing eco-friendly practices in its operations.
Dime Community Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. It has received numerous awards and recognition for its customer service and community involvement.

MS4gSGlzdG 9yeSBhbmQg Y29tbXVuaX R5IGZvY3Vz OiBUaGUgRG ltZSBDb21t dW5pdHkgQm FuayB3YXMg Zm91bmRlZC BpbiAxODY0 LCBtYWtpbm cgaXQgb25l IG9mIHRoZS BvbGRlc3Qg YmFua3MgaW 4gTmV3IFlv cmsgQ2l0eS 4gSXQgaGFz IGFsd2F5cy BwbGFjZWQg YSBzdHJvbm cgZW1waGFz aXMgb24gc2 VydmluZyB0 aGUgbG9jYW wgY29tbXVu aXR5IGFuZC BtZWV0aW5n IHRoZSBmaW 5hbmNpYWwg bmVlZHMgb2 YgaXRzIGN1 c3RvbWVycy 48YnI+Mi4g TXV0dWFsIG hvbGRpbmcg Y29tcGFueT ogVGhlIGJh bmsgaXMgYS BtdXR1YWwg aG9sZGluZy Bjb21wYW55 LCB3aGljaC BtZWFucyBp dCBpcyBvd2 5lZCBieSBp dHMgZGVwb3 NpdG9ycywg bm90IHNoYX JlaG9sZGVy cy4gVGhpcy BzdHJ1Y3R1 cmUgYWxsb3 dzIHRoZSBi YW5rIHRvIH ByaW9yaXRp emUgdGhlIG 5lZWRzIGFu ZCBpbnRlcm VzdHMgb2Yg aXRzIGN1c3 RvbWVycyBv dmVyIHByb2 ZpdHMuPGJy PjMuIFN0cm 9uZyBmaW5h bmNpYWwgcG VyZm9ybWFu Y2U6IERlc3 BpdGUgZWNv bm9taWMgY2 hhbGxlbmdl cywgdGhlIE RpbWUgQ29t bXVuaXR5IE JhbmsgaGFz IG1haW50YW luZWQgYSBz dHJvbmcgZm luYW5jaWFs IHBlcmZvcm 1hbmNlLCB3 aXRoIGNvbn Npc3RlbnQg ZWFybmluZ3 MgYW5kIGEg aGVhbHRoeS BiYWxhbmNl IHNoZWV0Li BUaGlzIHN0 YWJpbGl0eS BhbmQgcmVs aWFiaWxpdH kgaGF2ZSBl YXJuZWQgaX QgYSByZXB1 dGF0aW9uIG FzIGEgdHJ1 c3RlZCBhbm Qgc2VjdXJl IGZpbmFuY2 lhbCBpbnN0 aXR1dGlvbi 48YnI+NC4g SW5ub3ZhdG l2ZSBwcm9k dWN0cyBhbm Qgc2Vydmlj ZXM6IFRoZS BiYW5rIG9m ZmVycyBhIH JhbmdlIG9m IHRyYWRpdG lvbmFsIGJh bmtpbmcgcH JvZHVjdHMg YW5kIHNlcn ZpY2VzLCBh cyB3ZWxsIG FzIGlubm92 YXRpdmUgc2 9sdXRpb25z IHN1Y2ggYX MgZGlnaXRh bCBiYW5raW 5nIGFuZCBt b2JpbGUgYm Fua2luZy4g VGhpcyBhbG xvd3MgY3Vz dG9tZXJzIH RvIG1hbmFn ZSB0aGVpci BmaW5hbmNl cyBjb252ZW 5pZW50bHkg YW5kIHNlY3 VyZWx5Ljxi cj41LiBDb2 1taXRtZW50 IHRvIGRpdm Vyc2l0eSBh bmQgaW5jbH VzaW9uOiBU aGUgRGltZS BDb21tdW5p dHkgQmFuay BpcyBjb21t aXR0ZWQgdG 8gZm9zdGVy aW5nIGEgZG l2ZXJzZSBh bmQgaW5jbH VzaXZlIHdv cmtwbGFjZS 4gVGhlIGJh bmsgaGFzIH JlY2VpdmVk IG51bWVyb3 VzIGF3YXJk cyBhbmQgcm Vjb2duaXRp b25zIGZvci BpdHMgZWZm b3J0cyBpbi Bwcm9tb3Rp bmcgZGl2ZX JzaXR5IGFu ZCBzdXBwb3 J0aW5nIG1p bm9yaXR5LW 93bmVkIGJ1 c2luZXNzZX MuPGJyPjYu IFN0cm9uZy ByZWxhdGlv bnNoaXBzIH dpdGggY3Vz dG9tZXJzOi BUaGUgYmFu ayBoYXMgYS BzdHJvbmcg Zm9jdXMgb2 4gYnVpbGRp bmcgYW5kIG 1haW50YWlu aW5nIHJlbG F0aW9uc2hp cHMgd2l0aC BpdHMgY3Vz dG9tZXJzLi BUaGlzIGlu Y2x1ZGVzIH BlcnNvbmFs aXplZCBhbm QgYXR0ZW50 aXZlIGN1c3 RvbWVyIHNl cnZpY2UsIG FzIHdlbGwg YXMgY29tbX VuaXR5IGlu dm9sdmVtZW 50IGFuZCBz dXBwb3J0Lj xicj43LiBT b2NpYWwgcm VzcG9uc2li aWxpdHk6IF RoZSBEaW1l IENvbW11bm l0eSBCYW5r IGlzIGRlZG ljYXRlZCB0 byBnaXZpbm cgYmFjayB0 byB0aGUgY2 9tbXVuaXRp ZXMgaXQgc2 VydmVzLiBU aGUgYmFuay BzdXBwb3J0 cyB2YXJpb3 VzIGNoYXJp dGFibGUgb3 JnYW5pemF0 aW9ucyBhbm QgY29tbXVu aXR5IGluaX RpYXRpdmVz IHRocm91Z2 ggZG9uYXRp b25zIGFuZC B2b2x1bnRl ZXIgd29yay 48YnI+OC4g R3Jvd3RoIG FuZCBleHBh bnNpb246IE Rlc3BpdGUg YmVpbmcgYS Bjb21tdW5p dHkgYmFuay wgRGltZSBo YXMgZXhwZX JpZW5jZWQg c2lnbmlmaW NhbnQgZ3Jv d3RoIGFuZC BleHBhbnNp b24gb3Zlci B0aGUgeWVh cnMuIEl0IG 5vdyBoYXMg b3ZlciAzMC BicmFuY2hl cyBhY3Jvc3 MgTmV3IFlv cmsgQ2l0eS wgTG9uZyBJ c2xhbmQsIG FuZCBOb3J0 aGVybiBOZX cgSmVyc2V5 LCBhbmQgY2 9udGludWVz IHRvIGV4cG xvcmUgb3Bw b3J0dW5pdG llcyBmb3Ig ZXhwYW5zaW 9uLg==

VGhlIGJ1c2 luZXNzIG1v ZGVsIG9mIE RpbWUgQ29t bXVuaXR5IE JhbmsgaXMg Zm9jdXNlZC BvbiBwcm92 aWRpbmcgZm luYW5jaWFs IHNlcnZpY2 VzIGFuZCBw cm9kdWN0cy B0byBpdHMg Y3VzdG9tZX JzLCBwcmlt YXJpbHkgaW 4gdGhlIE5l dyBZb3JrIG 1ldHJvcG9s aXRhbiBhcm VhLiBUaGlz IGluY2x1ZG VzIHRyYWRp dGlvbmFsIG Jhbmtpbmcg c2VydmljZX Mgc3VjaCBh cyBjaGVja2 luZyBhbmQg c2F2aW5ncy BhY2NvdW50 cywgY29uc3 VtZXIgYW5k IGNvbW1lcm NpYWwgbG9h bnMsIGFuZC BpbnZlc3Rt ZW50IGFuZC B3ZWFsdGgg bWFuYWdlbW VudCBzZXJ2 aWNlcy4gVG hlIGJhbmsg YWxzbyBvZm ZlcnMgZGln aXRhbCBiYW 5raW5nIGFu ZCBvbmxpbm Ugc2Vydmlj ZXMgdG8gaX RzIGN1c3Rv bWVycy4gRG ltZSBDb21t dW5pdHkgQm Fua+KAmXMg YnVzaW5lc3 MgbW9kZWwg aXMgY2VudG VyZWQgYXJv dW5kIGJ1aW xkaW5nIGFu ZCBtYWludG FpbmluZyBz dHJvbmcgcm VsYXRpb25z aGlwcyB3aX RoIGl0cyBj dXN0b21lcn MsIHdoaWxl IGFsc28gaW 52ZXN0aW5n IGluIGFuZC Bncm93aW5n IGl0cyBhc3 NldHMgYW5k IG9wZXJhdG lvbnMuIFRo aXMgaXMgYW NoaWV2ZWQg dGhyb3VnaC BzdHJhdGVn aWMgcGFydG 5lcnNoaXBz LCBtYXJrZX QgZXhwYW5z aW9uLCBhbm QgYSBmb2N1 cyBvbiBjdX N0b21lciBz YXRpc2ZhY3 Rpb24gYW5k IGlubm92YX RpdmUgc29s dXRpb25zLi BUaGUgYmFu ayBhbHNvIH ByaW9yaXRp emVzIGNvbW 11bml0eSBp bnZvbHZlbW VudCBhbmQg Z2l2aW5nIG JhY2sgdG8g dGhlIGFyZW FzIGl0IHNl cnZlcy4=

The sensitivity of Dime Community Bank’s earnings, cash flow, and valuation to changes in interest rates can be analyzed in several ways:
1. Earnings Sensitivity: Banks typically earn interest on loans, while the cost of funds comes from deposits and other borrowing instruments. When interest rates rise, banks may see an increase in net interest margins as the rates on loans adjust more quickly than the rates on deposits. Conversely, if interest rates fall, the margins may shrink, potentially reducing earnings. Therefore, Dime Community Bank’s earnings can be significantly impacted by interest rate fluctuations depending on its asset-liability management strategies.
2. Cash Flow Sensitivity: The cash flow of the bank is directly tied to its interest income from loans and the interest expense from deposits. Changes in interest rates can affect not just the interest received but also the volume of loans originated and paid back. Higher rates may reduce demand for loans, while lower rates might lead to higher refinancing activity, thus impacting cash flows. Overall, the nature of the bank’s loan portfolio and deposit base will affect how sensitive its cash flows are to interest rate changes.
3. Valuation Sensitivity: The valuation of Dime Community Bank, like that of most financial institutions, is often based on its expected future cash flows and earnings. Interest rates impact the discount rate used in valuations, with higher rates typically leading to lower present values of future earnings. Additionally, potential changes in growth expectations due to interest rate changes can also influence market perception and ultimately the valuation of the bank. Investors may react to interest rate changes by adjusting their expectations for growth and profitability, which can have a significant impact on the stock price.
In summary, Dime Community Bank’s earnings, cash flow, and valuation exhibit considerable sensitivity to changes in interest rates, influenced by its asset-liability structure, market conditions, and general economic factors. Careful management of interest rate risk is essential for maintaining financial stability and performance.

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 bG9nb3MvVn l0eUpnNGQ5 RTFYZUs4SV BkUVYud2Vi cCIgYWx0PS JEaW1lIENv bW11bml0eS BCYW5rIiB0 aXRsZT0iRG ltZSBDb21t dW5pdHkgQm FuayIgIGNs YXNzPSJpbW ctZmx1aWQi IGhlaWdodD 05MCB3aWR0 aD05MCBsb2 FkaW5nPSds YXp5JyBzdH lsZT0nYm9y ZGVyLXJhZG l1czogNnB4 Oyc+CgogIC AgICAgICAg ICAgICAgIC AgIDxkaXYg c3R5bGU9J2 ZsZXg6IDE7 IHRleHQtYW xpZ246IGNl bnRlcjsgbW FyZ2luLWxl ZnQ6IDVweD snPgogICAg ICAgICAgIC AgICAgICAg ICAgICA8cC BzdHlsZT0n Zm9udC1zaX plOiAyNnB4 OyBjb2xvcj ogIzMzMzsg bWFyZ2luLW JvdHRvbTog MTVweDsnPg ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAg8J +TiCBXYW50 IHRvIHJlYW QgbW9yZSBh Ym91dCBEaW 1lIENvbW11 bml0eSBCYW 5rPwogICAg ICAgICAgIC AgICAgICAg ICAgICA8L3 A+CgogICAg ICAgICAgIC AgICAgICAg ICAgICA8YS BocmVmPSdp bmRleC5waH A/cGFnZT1z aWdudXAnIH N0eWxlPScK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIGJh Y2tncm91bm QtY29sb3I6 ICMwMDdCRk Y7CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Bjb2xvcjog I2ZmZjsKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIHBhZG Rpbmc6IDEw cHggMjBweD sKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG JvcmRlci1y YWRpdXM6ID VweDsKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIHRleHQt ZGVjb3JhdG lvbjogbm9u ZTsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IGZvbnQtd2 VpZ2h0OiBi b2xkOwogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgbWFyZ2 luLXJpZ2h0 OiAxMHB4Ow ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgdH JhbnNpdGlv bjogYmFja2 dyb3VuZC1j b2xvciAwLj NzIGVhc2U7 JwogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg b25tb3VzZW 92ZXI9J3Ro aXMuc3R5bG UuYmFja2dy b3VuZENvbG 9yPSIjMDA1 NmIzIicKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIG9ubW 91c2VvdXQ9 J3RoaXMuc3 R5bGUuYmFj a2dyb3VuZE NvbG9yPSIj MDA3QkZGIi c+CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC BTaWduIHVw IGZvciBmcm VlCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDwvYT 4KCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDxzcG FuIHN0eWxl PSdtYXJnaW 46IDAgOHB4 OyBjb2xvcj ogIzU1NTsn Pm9yPC9zcG FuPgoKICAg ICAgICAgIC AgICAgICAg ICAgICAgPG EgaHJlZj0n aW5kZXgucG hwP3BhZ2U9 bG9naW4nIH N0eWxlPScK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIGNv bG9yOiAjMD A3QkZGOwog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgdGV4 dC1kZWNvcm F0aW9uOiB1 bmRlcmxpbm U7CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Bmb250LXdl aWdodDogNT AwOyc+CiAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICBsb2cg aW4KICAgIC AgICAgICAg ICAgICAgIC AgICAgPC9h PgoKCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDxw IHN0eWxlPS dtYXJnaW4t dG9wOiAxNX B4OyBmb250 LXNpemU6ID EzcHg7IGZv bnQtd2VpZ2 h0OiBib2xk OyBjb2xvcj ogI2QzMmYy ZjsnPgogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAg8J+SoS BMZWFybiBz bWFydGVyIH N0b2NrIHBp Y2tzIHdpdG ggPGk+IlRo ZSBDaGVja2 xpc3QgVmFs dWUgSW52ZX N0b3Ig4oCU IEEgU21hcn RlciBXYXkg dG8gUGljay BTdG9ja3Mi PC9pPgogIC AgICAgICAg ICAgICAgIC AgICAgICA8 L3A+CgogIC AgICAgICAg ICAgICAgIC AgICAgICA8 IS0tCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDxk aXYgc3R5bG U9J21hcmdp bi10b3A6ID EycHg7IGZv bnQtc2l6ZT ogMTNweDsg Y29sb3I6IC M0NDQ7Jz4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIFNp Z24gdXAgbm 93IGFuZCBn ZXQgb3VyIG ZyZWUgZUJv b2sgCiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICA8Yj5UaG UgQ2hlY2ts aXN0IFZhbH VlIEludmVz dG9yIOKAlC BBIFNtYXJ0 ZXIgV2F5IH RvIFBpY2sg U3RvY2tzPC 9iPgogICAg ICAgICAgIC AgICAgICAg ICAgICA8L2 Rpdj4KICAg ICAgICAgIC AgICAgICAg ICAgICAgLS 0+CiAgICAg ICAgICAgIC AgICAgICAg ICAgIDwhLS 0KICAgICAg ICAgICAgIC AgICAgICAg ICAgPGRpdi BzdHlsZT0n bWFyZ2luLX RvcDogMTZw eDsgZm9udC 1zaXplOiAx NHB4OyBjb2 xvcjogIzQ0 NDsgZm9udC 1mYW1pbHk6 IC1hcHBsZS 1zeXN0ZW0s IEJsaW5rTW FjU3lzdGVt Rm9udCwgU2 Vnb2UgVUks IFJvYm90by wgSGVsdmV0 aWNhIE5ldW UsIHNhbnMt c2VyaWY7IG xpbmUtaGVp Z2h0OiAxLj Y7Jz4KICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIEhhdmUg eW91IGhlYX JkIGFib3V0 IG91ciBzaG 9ydCA8c3Ry b25nIHN0eW xlPSdmb250 LXdlaWdodD ogNjAwOyc+ RGFpbHkgVm lkZW8gTmV3 c2xldHRlcj wvc3Ryb25n Pj8KICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IDxhIGhyZW Y9J2h0dHBz Oi8vd3d3Lm luc2lnaHRm dWx2YWx1ZS 5jb20vbmV3 c2xldHRlci 5waHAnIHRh cmdldD0nX2 JsYW5rJyBz dHlsZT0nY2 9sb3I6ICMw MDdCRkY7IH RleHQtZGVj b3JhdGlvbj ogbm9uZTsg Zm9udC13ZW lnaHQ6IDUw MDsgbWFyZ2 luLWxlZnQ6 IDZweDsnPg ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIEZpbmQg b3V0IG1vcm UKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgID wvYT4KICAg ICAgICAgIC AgICAgICAg ICAgICAgPC 9kaXY+CiAg ICAgICAgIC AgICAgICAg ICAgICAgIC 0tPgogICAg ICAgICAgIC AgICAgICAg IDwvZGl2Pg ogICAgICAg ICAgICAgIC AgPC9kaXY+ CiAgICAgIC AgICAgIDwv ZGl2PgogIC AgICAgICAg ICAKICAgIC AgICAKICAg ICAgICA8c3 BhbiBjbGFz cz0nYmx1cn JlZC10ZXh0 Jz4KICAgIC AgICAgICAg TFNCRWFXMW xJRSBOdmJX MTFibWwwIG VTQkNZVzVy SUggZGhjeU JtYjNWdSBa R1ZrSUdsdU lEIEU0TmpR Z1lYTWcgVk dobElFUnBi VyBVZ1UyRj JhVzVuIGN5 QkNZVzVySU cgOW1JRUp5 YjI5ciBiSG x1TGp4aWNq IDR0SUZSb1 pTQmkgWVc1 cklIZGhjeS BCdmNtbG5h VzVoIGJHeD VJR1Z6ZEcg RmliR2x6YU dWayBJSFJ2 SUhCeWIzIF pwWkdVZ1pt bHUgWVc1am FXRnNJSCBO bGNuWnBZMl Z6IElIUnZJ R2x0YlcgbG 5jbUZ1ZEhN ZyBZVzVrSU hkdmNtIHRw Ym1jdFkyeG ggYzNNZ2FX NWthWCBacF pIVmhiSE1n IGFXNGdRbk p2YjIgdHNl VzR1UEdKeS BQaTBnU1c0 Z01qIEF4Tn l3Z1JHbHQg WlNCRGIyMX RkVyA1cGRI a2dRbUZ1IG F5QmphR0Z1 WjIgVmtJR2 wwY3lCdSBZ VzFsSUdaeW IyIDBnUkds dFpTQlQgWV hacGJtZHpJ RSBKaGJtc2 diMllnIFYy bHNiR2xoYl ggTmlkWEpu YUNCMCBieU JFYVcxbElF IE52YlcxMW JtbDAgZVNC Q1lXNXJJSC BSdklISmxa bXhsIFkzUW dhWFJ6SUcg VjRjR0Z1Yz JsdiBiaUJp WlhsdmJtIF FnYVhSeklH OXkgYVdkcG JtRnNJRSBK eWIyOXJiSG x1IElHSmhj MlV1UEcgSn lQaTBnVkdo bCBJR0poYm 1zZ2FHIEZ6 SURJNUlHSn kgWVc1amFD QnNiMiBOaG RHbHZibk1n IGRHaHliM1 ZuYUcgOTFk Q0JPWlhjZy BXVzl5YXlC RGFYIFI1NG 9DWmN5Qm0g YVhabElHSn ZjbSA5MVoy aHpJR0Z1IF pDQk1iMjVu SUUgbHpiR0 Z1WkM0OCBZ bkkrTFNCRW FXIDFsSUVO dmJXMTEgYm 1sMGVTQkNZ VyA1cklHbH pJSFJvIFpT QnNZWEpuWl ggTjBJRzEx ZEhWaCBiQ0 J6WVhacGJt IGR6SUdKaG Jtc2cgYVc0 Z1RtVjNJRi BsdmNtc3NJ SGRwIGRHZ2 diM1psY2kg QWtOaTQxSU dKcCBiR3hw YjI0Z2FXID RnWVhOelpY UnogSUdGdV pDQmtaWCBC dmMybDBjeT Q4IFluSStM U0JVYUcgVW dZbUZ1YXlC diBabVpsY2 5NZ1lTIEIy WVhKcFpYUj UgSUc5bUlH TnZiVyAxMW JtbDBlUzFt IGIyTjFjMl ZrSUggQnli MmR5WVcxei BMQ0J6ZFdO b0lHIEZ6SU dacGJtRnUg WTJsaGJDQn NhWCBSbGNt RmplU0J3IG NtOW5jbUZ0 Y3kgQm1iM0 lnYzNSMSBa R1Z1ZEhNc0 lHIEZtWm05 eVpHRmkgYk dVZ2FHOTFj MiBsdVp5Qn NaVzVrIGFX NW5JR2x1YV ggUnBZWFJw ZG1WeiBMQ0 JoYm1RZ2My IDFoYkd3Z1 luVnogYVc1 bGMzTWdiRy BWdVpHbHVa eUJ6IGRYQn diM0owTGog eGljajR0SU VScCBiV1Vn UTI5dGJYIF Z1YVhSNUlF SmggYm1zZ2 FYTWdZUyBC dFpXMWlaWE lnIGIyWWdk R2hsSUUgWm xaR1Z5WVd3 ZyBTRzl0Wl NCTWIyIEZ1 SUVKaGJtc2 cgYjJZZ1Rt VjNJRiBsdm Ntc3NJR0Vn IFkyOXVjMj l5ZEcgbDFi U0J2WmlCai BiMjF0ZFc1 cGRIIGtnWV c1a0lISmwg WjJsdmJtRn NJRyBKaGJt dHpJSFJvIF lYUWdjSEp2 ZG0gbGtaWE 1nWm5WdSBa R2x1WnlCbW IzIElnWVda bWIzSmsgWV dKc1pTQm9i MyBWemFXNW 5JR0Z1IFpD QmxZMjl1Yj IgMXBZeUJr WlhabCBiRz l3YldWdWRD IDQ4WW5JK0 xTQlUgYUdV Z1ltRnVheS BCcGN5Qmhi SE52IElHRW diV1Z0WW0g VnlJRzltSU hSbyBaU0JF WlhCdmMyIG wwYjNKNUlG UnkgZFhOME lDWWdRMiB4 bFlYSnBibW NnIFEyOXlj Rzl5WVggUn BiMjRzSUhk byBhV05vSU daaFkyIGxz YVhSaGRHVn ogSUhSb1pT QnpaWCBSMG JHVnRaVzUw IElHOW1JSE 5sWTMgVnlh WFJwWlhNZy BkSEpoYm5O aFkzIFJwYj I1ekxqeGkg Y2o0dElFUn BiVyBVZ1Ey OXRiWFZ1IG FYUjVJRUpo Ym0gc2dhWE 1nY0hWaSBi R2xqYkhrZ2 RIIEpoWkdW a0lHOXUgSU hSb1pTQk9R ViBORVFWRW djM1J2IFky c2daWGhqYU cgRnVaMlVn ZFc1ayBaWE lnZEdobElI IFJwWTJ0bG NpQnogZVcx aWIyd2dSRS BOUFRTNDhZ bkkrIExTQk piaUF5TUQg RTVMQ0JFYV cxbCBJRU52 YlcxMWJtIG wwZVNCQ1lX NXIgSUhkaG N5QnlaVyBO dloyNXBlbV ZrIElHRnpJ Rzl1WlMgQn ZaaUIwYUdV ZyBRbVZ6ZE NCQ1lXIDVy Y3lCMGJ5Ql ggYjNKcklF WnZjaSBCaW VTQkJiV1Z5 IGFXTmhiaU JDWVcgNXJa WElnYldGbi BZWHBwYm1V dQogICAgIC AgIDwvc3Bh bj4KICAgIC AgICAKICAg ICAgICA=
See Company Q&A