United Community Banks

Live  

United Community Banks, Inc. is a financial holding company headquartered in Blairsville, Georgia. The company operates through its subsidiary banks, which offer a variety of financial products and services to individuals and businesses in the Southeastern United States. United Community Banks was founded in 1950 and has grown to become one of the largest community banks in the region, with over 150 locations in Georgia, North Carolina, South Carolina, and Tennessee.
The company's primary services include retail and commercial banking, residential and commercial mortgage lending, trust and investment services, and insurance services. They also offer various types of loans, including personal and business loans, equipment financing, and lines of credit.
In addition to its core banking services, United Community Banks is also committed to supporting the communities it serves through charitable giving and volunteer service. The company has a strong focus on community involvement and encourages its employees to participate in local initiatives and events.
United Community Banks is listed on the NASDAQ stock exchange under the ticker symbol UCBI. It has consistently received high ratings for financial stability and customer satisfaction from independent rating agencies such as S&P Global and Moody's.
Overall, United Community Banks is a reputable and well-established financial institution that is dedicated to providing excellent service to its customers and making a positive impact in the communities it serves.

United Community Banks is a bank that helps people manage their money. Just like a piggy bank but on a bigger scale, this bank keeps people’s money safe and helps them use it wisely.
The bank offers different services like saving accounts, checking accounts, and loans. When people put their money in the bank, they usually earn a little extra money called interest. The bank takes some of that money to lend to other people or businesses who need it. When those borrowers pay back their loans, they also pay interest, which is how the bank makes money.
United Community Banks is successful for a few reasons. First, it has been around for a long time, building trust with its customers. People like to have their money with a bank they can count on. Second, it offers good customer service, meaning that if you have questions or need help, they are friendly and ready to assist.
Looking into the future, the bank will likely continue to be successful by adapting to new technologies and changes in how people want to use their money. Many people are using their phones for banking now, and if the bank keeps up with that trend and offers easy-to-use apps, it will attract even more customers. Plus, as people need more loans for things like houses or cars, United Community Banks can provide those loans and help their customers grow. So, with trust, good service, and the ability to adapt, United Community Banks has a bright future ahead!

MS4gTG9uZy BIaXN0b3J5 OiBVbml0ZW QgQ29tbXVu aXR5IEJhbm tzIGhhcyBi ZWVuIGluIG 9wZXJhdGlv biBmb3Igb3 ZlciA3MCB5 ZWFycywgbW FraW5nIGl0 IG9uZSBvZi B0aGUgb2xk ZXN0IGJhbm tzIGluIHRo ZSBVbml0ZW QgU3RhdGVz LiBUaGlzIG xvbmdldml0 eSBkZW1vbn N0cmF0ZXMg dGhlaXIgc3 RhYmlsaXR5 IGFuZCBrbm 93bGVkZ2Ug aW4gdGhlIG Jhbmtpbmcg aW5kdXN0cn kuPGJyPjIu IFN0cm9uZy BDb3Jwb3Jh dGUgQ3VsdH VyZTogVGhl IGNvbXBhbn kgaGFzIGJ1 aWx0IGEgc3 Ryb25nIGNv cnBvcmF0ZS BjdWx0dXJl IGZvY3VzZW Qgb24gY29t bXVuaXR5IG VuZ2FnZW1l bnQsIHRlYW 13b3JrLCBh bmQgY3VzdG 9tZXIgc2Vy dmljZS4gVG hpcyBoYXMg aGVscGVkIH RvIGNyZWF0 ZSBhIHBvc2 l0aXZlIGFu ZCBzdXBwb3 J0aXZlIHdv cmsgZW52aX Jvbm1lbnQg Zm9yIGVtcG xveWVlcyBh bmQgZm9zdG VyZWQgc3Ry b25nIHJlbG F0aW9uc2hp cHMgd2l0aC BjdXN0b21l cnMuPGJyPj MuIEVtcGhh c2lzIG9uIE NvbW11bml0 eSBCYW5raW 5nOiBEZXNw aXRlIGl0cy Bncm93dGgg YW5kIGV4cG Fuc2lvbiwg VW5pdGVkIE NvbW11bml0 eSBCYW5rcy BoYXMgbWFp bnRhaW5lZC BpdHMgZm9j dXMgb24gY2 9tbXVuaXR5 IGJhbmtpbm cuIFRoaXMg bWVhbnMgdG hleSBwcmlv cml0aXplIG xvY2FsIGN1 c3RvbWVyIH JlbGF0aW9u c2hpcHMgYW 5kIGludmVz dCBpbiB0aG UgY29tbXVu aXRpZXMgdG hleSBzZXJ2 ZS48YnI+NC 4gU3RyYXRl Z2ljIEdyb3 d0aDogVGhl IGNvbXBhbn kgaGFzIGdy b3duIHNpZ2 5pZmljYW50 bHkgb3Zlci ByZWNlbnQg eWVhcnMsIH N0cmF0ZWdp Y2FsbHkgZX hwYW5kaW5n IGl0cyBmb2 90cHJpbnQg dGhyb3VnaC Bib3RoIG1l cmdlcnMgYW 5kIGFjcXVp c2l0aW9ucy 4gVGhpcyBo YXMgYWxsb3 dlZCB0aGVt IHRvIGluY3 JlYXNlIHRo ZWlyIHJlYW NoIGFuZCBv ZmZlcmluZ3 Mgd2l0aG91 dCBsb3Npbm cgdGhlaXIg c3Ryb25nIG NvbW11bml0 eSBmb2N1cy 48YnI+NS4g RGl2ZXJzZS BPZmZlcmlu Z3M6IFVuaX RlZCBDb21t dW5pdHkgQm Fua3Mgb2Zm ZXJzIGEgd2 lkZSByYW5n ZSBvZiBmaW 5hbmNpYWwg cHJvZHVjdH MgYW5kIHNl cnZpY2VzIH RvIG1lZXQg dGhlIG5lZW RzIG9mIGlu ZGl2aWR1YW xzLCBidXNp bmVzc2VzLC BhbmQgY29t bXVuaXRpZX MuIFRoaXMg aW5jbHVkZX MgdHJhZGl0 aW9uYWwgYm Fua2luZyBz ZXJ2aWNlcy wgd2VhbHRo IG1hbmFnZW 1lbnQsIGlu c3VyYW5jZS wgYW5kIG1v cmUuPGJyPj YuIFN0cm9u ZyBGaW5hbm NpYWwgUGVy Zm9ybWFuY2 U6IFRoZSBj b21wYW55IG hhcyBhIHRy YWNrIHJlY2 9yZCBvZiBz dHJvbmcgZm luYW5jaWFs IHBlcmZvcm 1hbmNlLCB3 aXRoIGNvbn Npc3RlbnQg cHJvZml0YW JpbGl0eSBh bmQgZ3Jvd3 RoLiBUaGlz IGZpbmFuY2 lhbCBzdGFi aWxpdHkgcH JvdmlkZXMg Y3VzdG9tZX JzIHdpdGgg Y29uZmlkZW 5jZSBpbiB0 aGUgYmFuay BhbmQgaXRz IHNlcnZpY2 VzLjxicj43 LiBUZWNobm 9sb2d5LURy aXZlbjogVW 5pdGVkIENv bW11bml0eS BCYW5rcyBy ZWNvZ25pem VzIHRoZSBp bXBvcnRhbm NlIG9mIHRl Y2hub2xvZ3 kgaW4gYmFu a2luZyBhbm QgaGFzIGlu dmVzdGVkIG luIGlubm92 YXRpdmUgdG VjaG5vbG9n aWVzIHRvIG ltcHJvdmUg Y3VzdG9tZX IgZXhwZXJp ZW5jZSBhbm QgaW5jcmVh c2UgZWZmaW NpZW5jeS48 YnI+OC4gQ2 9tbWl0bWVu dCB0byBTb2 NpYWwgUmVz cG9uc2liaW xpdHk6IFRo ZSBjb21wYW 55IGlzIGNv bW1pdHRlZC B0byBnaXZp bmcgYmFjay B0byB0aGUg Y29tbXVuaX RpZXMgaXQg c2VydmVzLC B3aXRoIGEg Zm9jdXMgb2 4gZWR1Y2F0 aW9uLCBhZm ZvcmRhYmxl IGhvdXNpbm csIGFuZCBl Y29ub21pYy BkZXZlbG9w bWVudCBpbm l0aWF0aXZl cy4gVGhleS BhbHNvIGhh dmUgYSBzdH JvbmcgY29t bWl0bWVudC B0byBlbnZp cm9ubWVudG FsIHN1c3Rh aW5hYmlsaX R5IGFuZCBy ZXNwb25zaW JsZSBiYW5r aW5nIHByYW N0aWNlcy4=

VW5pdGVkIE NvbW11bml0 eSBCYW5rcy BpcyBhIGJh bmsgaG9sZG luZyBjb21w YW55IGhlYW RxdWFydGVy ZWQgaW4gQm xhaXJzdmls bGUsIEdlb3 JnaWEuIFRo ZSBjb21wYW 55J3MgYnVz aW5lc3MgbW 9kZWwgaXMg Zm9jdXNlZC BwcmltYXJp bHkgb24gcH JvdmlkaW5n IHRyYWRpdG lvbmFsIGJh bmtpbmcgc2 VydmljZXMg dG8gaW5kaX ZpZHVhbHMs IHNtYWxsIG J1c2luZXNz ZXMsIGFuZC BsYXJnZSBj b3Jwb3JhdG lvbnMgaW4g bG9jYWwgY2 9tbXVuaXRp ZXMgYWNyb3 NzIHRoZSBT b3V0aGVhc3 Rlcm4gVW5p dGVkIFN0YX Rlcy4gSXRz IGNvcmUgYn VzaW5lc3Mg YWN0aXZpdG llcyBpbmNs dWRlIGNvbW 1lcmNpYWwg bGVuZGluZy wgcmV0YWls IGJhbmtpbm csIG1vcnRn YWdlIGJhbm tpbmcsIHdl YWx0aCBtYW 5hZ2VtZW50 LCBhbmQgaW 52ZXN0bWVu dCBiYW5raW 5nLjxicj5U aGUgY29tcG FueSdzIGJ1 c2luZXNzIG 1vZGVsIGlz IGJhc2VkIG 9uIGEgY29t bXVuaXR5IG Jhbmtpbmcg YXBwcm9hY2 gsIG9mZmVy aW5nIHBlcn NvbmFsaXpl ZCBhbmQgcm VsYXRpb25z aGlwLWJhc2 VkIHNlcnZp Y2VzIHRvIG 1lZXQgdGhl IGZpbmFuY2 lhbCBuZWVk cyBvZiBpdH MgY3VzdG9t ZXJzLiBVbm l0ZWQgQ29t bXVuaXR5IE JhbmtzIG9w ZXJhdGVzIH Rocm91Z2gg YSBuZXR3b3 JrIG9mIG92 ZXIgMTUwIG xvY2F0aW9u cywgaW5jbH VkaW5nIHRy YWRpdGlvbm FsIGJhbmsg YnJhbmNoZX MsIGxvYW4g cHJvZHVjdG lvbiBvZmZp Y2VzLCBhbm QgbW9ydGdh Z2Ugb2ZmaW Nlcy48YnI+ VGhlIGNvbX BhbnkncyBw cmltYXJ5IH NvdXJjZSBv ZiByZXZlbn VlIGNvbWVz IGZyb20gaW 50ZXJlc3Qg aW5jb21lIG dlbmVyYXRl ZCBieSBpdH MgbGVuZGlu ZyBhY3Rpdm l0aWVzLCBp bmNsdWRpbm cgY29tbWVy Y2lhbCBsb2 FucywgY29u c3VtZXIgbG 9hbnMsIGFu ZCBtb3J0Z2 FnZXMuIElu IGFkZGl0aW 9uLCB0aGUg Y29tcGFueS BhbHNvIGVh cm5zIGluY2 9tZSBmcm9t IHZhcmlvdX MgZmVlcyBh bmQgc2Vydm ljZSBjaGFy Z2VzLCBzdW NoIGFzIGRl cG9zaXQgYW Njb3VudCBm ZWVzIGFuZC B3ZWFsdGgg bWFuYWdlbW VudCBmZWVz Ljxicj5Uby BzdXBwb3J0 IGl0cyBidX NpbmVzcyBv cGVyYXRpb2 5zLCBVbml0 ZWQgQ29tbX VuaXR5IEJh bmtzIGZvY3 VzZXMgb24g bWFpbnRhaW 5pbmcgYSBz dHJvbmcgYm FsYW5jZSBz aGVldCBhbm QgZGlzY2lw bGluZWQgcm lzayBtYW5h Z2VtZW50IH ByYWN0aWNl cy4gSXQgYW xzbyBwbGFj ZXMgYSBzdH JvbmcgZW1w aGFzaXMgb2 4gZGV2ZWxv cGluZyBhbm QgbWFpbnRh aW5pbmcgbG 9uZy10ZXJt IHJlbGF0aW 9uc2hpcHMg d2l0aCBpdH MgY3VzdG9t ZXJzLCB3aG ljaCBoZWxw cyB0byBkcm l2ZSByZXBl YXQgYnVzaW 5lc3MgYW5k IHByb21vdG UgY3VzdG9t ZXIgbG95YW x0eS48YnI+ SW4gcmVjZW 50IHllYXJz LCB0aGUgY2 9tcGFueSBo YXMgYWxzby BwbGFjZWQg YSBncmVhdG VyIGVtcGhh c2lzIG9uIH RlY2hub2xv Z3kgYW5kIG RpZ2l0YWwg YmFua2luZy B0byBlbmhh bmNlIGl0cy BzZXJ2aWNl cyBhbmQgaW 1wcm92ZSB0 aGUgY3VzdG 9tZXIgZXhw ZXJpZW5jZS 4gVGhpcyBp bmNsdWRlcy BvZmZlcmlu ZyBvbmxpbm UgYW5kIG1v YmlsZSBiYW 5raW5nIHBs YXRmb3Jtcy wgYXMgd2Vs bCBhcyBleH BhbmRpbmcg aXRzIHByZX NlbmNlIG9u IHNvY2lhbC BtZWRpYS48 YnI+T3Zlcm FsbCwgdGhl IFVuaXRlZC BDb21tdW5p dHkgQmFua3 MnIGJ1c2lu ZXNzIG1vZG VsIGNlbnRl cnMgb24gcH JvdmlkaW5n IHBlcnNvbm FsaXplZCBh bmQgY29tcH JlaGVuc2l2 ZSBiYW5raW 5nIHNlcnZp Y2VzIHRvIG 1lZXQgdGhl IG5lZWRzIG 9mIGl0cyBj dXN0b21lcn MgaW4gdGhl IGNvbW11bm l0aWVzIGl0 IHNlcnZlcy 4=

AI has the potential to impact companies like United Community Banks in several ways, but whether it poses a material threat depends on various factors.
Firstly, in terms of substitution, AI could lead to the development of alternative financial services that bypass traditional banking. For example, emerging fintech companies use AI to provide loans, investment advice, and payment services, which could replace some of the functions traditionally offered by community banks. If these services become more competitive in terms of cost or user experience, they could attract customers away from established banks.
Regarding disintermediation, AI can facilitate peer-to-peer lending platforms or direct investment options that eliminate the need for traditional banking intermediaries. This trend could decrease the reliance on community banks for certain financial transactions, ultimately affecting their customer base and service offerings.
In terms of margin pressure, AI can drive efficiencies in banking operations, which might lead to a decrease in service fees or interest rates. While this could benefit consumers, traditional banks may find it challenging to maintain profitable margins if they cannot keep pace with AI-driven innovations that effectively lower costs.
However, it’s also essential to recognize that community banks can leverage AI to enhance their own products and services. For instance, implementing AI for risk assessment, customer service chatbots, and personalized marketing can help strengthen their competitive positioning.
In summary, while AI does pose potential threats through substitution, disintermediation, and margin pressure, it also offers opportunities for enhancement. The actual impact will depend on how well United Community Banks can adapt to these changes and integrate AI into their strategy.

The sensitivity of United Community Banks’ earnings, cash flow, and valuation to changes in interest rates can be significant due to the nature of the banking business, which relies heavily on interest income from loans and interest expenses on deposits.
1. Earnings: Interest rates directly affect the net interest margin, which is the difference between the interest income generated from loans and the interest paid on deposits. When interest rates rise, banks can typically charge higher rates on loans while keeping deposit rates lower, leading to increased profit margins and enhanced earnings. Conversely, if interest rates fall, net interest margins may shrink, negatively impacting earnings.
2. Cash Flow: Changes in interest rates also impact cash flow, particularly for loans and mortgages. Higher interest rates can lead to reduced loan demand, potentially slowing cash inflows from new loans being originated. Furthermore, if rates rise, existing borrowers may refinance their loans less frequently, impacting prepayments and thus affecting the cash flow from loan portfolios.
3. Valuation: The valuation of United Community Banks, like many financial institutions, is often influenced by interest rate changes through their impact on earnings. Discounted cash flow models that rely on future earnings projections will adjust with shifts in rates, potentially altering the valuation of the bank. Rising interest rates may lead to a more favorable evaluation due to heightened earnings potential, while falling rates could lead to decreased valuations as future earnings may be seen as less attractive.
In summary, United Community Banks’ financial performance is inherently linked to interest rate changes, affecting earnings, cash flows, and overall valuation. High sensitivity to these changes necessitates careful management of interest rate risk through asset-liability management strategies to mitigate potential adverse effects.

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 bG9nb3Mvcj hpZWpQNjFy Vnl2RFhxem NKYUQud2Vi cCIgYWx0PS JVbml0ZWQg Q29tbXVuaX R5IEJhbmtz IiB0aXRsZT 0iVW5pdGVk IENvbW11bm l0eSBCYW5r cyIgIGNsYX NzPSJpbWct Zmx1aWQiIG hlaWdodD05 MCB3aWR0aD 05MCBsb2Fk aW5nPSdsYX p5JyBzdHls ZT0nYm9yZG VyLXJhZGl1 czogNnB4Oy c+CgogICAg ICAgICAgIC AgICAgICAg IDxkaXYgc3 R5bGU9J2Zs ZXg6IDE7IH RleHQtYWxp Z246IGNlbn RlcjsgbWFy Z2luLWxlZn Q6IDVweDsn PgogICAgIC AgICAgICAg ICAgICAgIC AgICA8cCBz dHlsZT0nZm 9udC1zaXpl OiAyNnB4Oy Bjb2xvcjog IzMzMzsgbW FyZ2luLWJv dHRvbTogMT VweDsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAg8J+T iCBXYW50IH RvIHJlYWQg bW9yZSBhYm 91dCBVbml0 ZWQgQ29tbX VuaXR5IEJh bmtzPwogIC 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+T miBZb3VyIG ZyZWUgY29w eSBvZiA8aT 4iVGhlIENo ZWNrbGlzdC BWYWx1ZSBJ bnZlc3Rvci DigJQgQSBT bWFydGVyIF dheSB0byBQ aWNrIFN0b2 NrcyI8L2k+ IGlzIHdhaX RpbmcKICAg ICAgICAgIC AgICAgICAg ICAgICAgPC 9wPgoKICAg ICAgICAgIC AgICAgICAg ICAgICAgPC EtLQogICAg ICAgICAgIC AgICAgICAg ICAgICA8ZG l2IHN0eWxl PSdtYXJnaW 4tdG9wOiAx MnB4OyBmb2 50LXNpemU6 IDEzcHg7IG NvbG9yOiAj NDQ0Oyc+Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBTaW duIHVwIG5v dyBhbmQgZ2 V0IG91ciBm cmVlIGVCb2 9rIAogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgPGI+VGhl IENoZWNrbG lzdCBWYWx1 ZSBJbnZlc3 RvciDigJQg QSBTbWFydG VyIFdheSB0 byBQaWNrIF N0b2Nrczwv Yj4KICAgIC AgICAgICAg ICAgICAgIC AgICAgPC9k aXY+CiAgIC AgICAgICAg ICAgICAgIC AgICAgIC0t PgogICAgIC AgICAgICAg ICAgICAgIC AgICA8IS0t CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDxkaXYg c3R5bGU9J2 1hcmdpbi10 b3A6IDE2cH g7IGZvbnQt c2l6ZTogMT RweDsgY29s b3I6ICM0ND Q7IGZvbnQt ZmFtaWx5Oi AtYXBwbGUt c3lzdGVtLC BCbGlua01h Y1N5c3RlbU ZvbnQsIFNl Z29lIFVJLC BSb2JvdG8s IEhlbHZldG ljYSBOZXVl LCBzYW5zLX NlcmlmOyBs aW5lLWhlaW dodDogMS42 Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBIYXZlIH lvdSBoZWFy ZCBhYm91dC BvdXIgc2hv cnQgPHN0cm 9uZyBzdHls ZT0nZm9udC 13ZWlnaHQ6 IDYwMDsnPk RhaWx5IFZp ZGVvIE5ld3 NsZXR0ZXI8 L3N0cm9uZz 4/CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC A8YSBocmVm PSdodHRwcz ovL3d3dy5p bnNpZ2h0Zn VsdmFsdWUu Y29tL25ld3 NsZXR0ZXIu cGhwJyB0YX JnZXQ9J19i bGFuaycgc3 R5bGU9J2Nv bG9yOiAjMD A3QkZGOyB0 ZXh0LWRlY2 9yYXRpb246 IG5vbmU7IG ZvbnQtd2Vp Z2h0OiA1MD A7IG1hcmdp bi1sZWZ0Oi A2cHg7Jz4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBGaW5kIG 91dCBtb3Jl CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICA8 L2E+CiAgIC AgICAgICAg ICAgICAgIC AgICAgIDwv ZGl2PgogIC AgICAgICAg ICAgICAgIC AgICAgICAt LT4KICAgIC AgICAgICAg ICAgICAgIC A8L2Rpdj4K ICAgICAgIC AgICAgICAg IDwvZGl2Pg ogICAgICAg ICAgICA8L2 Rpdj4KICAg ICAgICAgIC AgCiAgICAg ICAgCiAgIC AgICAgPHNw YW4gY2xhc3 M9J2JsdXJy ZWQtdGV4dC c+CiAgICAg ICAgICAgIE xTQlZibWww WlcgUWdRMj l0YlhWdSBh WFI1SUVKaG JtIHR6SUhk aGN5Qm0gYj NWdVpHVmtJ RyBsdUlERT VOVEFnIFlY TWdRbXhoYV ggSnpkbWxz YkdVZyBRbU Z1YXlBbUlG IFJ5ZFhOME lFTnYgYlhC aGJua2dhVy A0Z1FteGhh WEp6IGRtbH NiR1VzSUUg ZGxiM0puYV dFdSBQR0p5 UGkwZ1NXID RnTVRrMU15 d2cgZEdobE lHSmhibSBz Z1ltVmpZVz FsIElIUm9a U0JtYVggSn pkQ0JwYmlC MCBhR1VnWV hKbFlTIEIw YnlCdlptWm wgY2lCcGJu TjBZVyB4c2 JXVnVkQ0Jz IGIyRnVjeU JtYjMgSWdZ MkZ5Y3l3Zy BZWEJ3Ykds aGJtIE5sY3 l3Z1lXNWsg SUc5MGFHVn lJRyBOdmJu TjFiV1Z5IE lIQnliMlIx WTMgUnpMan hpY2o0dCBJ RWx1SURFNU 56IE1zSUVK c1lXbHkgYz NacGJHeGxJ RSBKaGJtc2 dKaUJVIGNu VnpkQ0JEYj IgMXdZVzU1 SUcxbCBjbW RsWkNCM2FY IFJvSUUxMW NuQm8gZVNB b1RrTXBJRS BKaGJtdHBi bWNnIFEyOX RjR0Z1ZVMg QjBieUJpWl dOdiBiV1Vn ZEdobElGIF Z1YVhSbFpD QkMgWVc1cm FXNW5JRSBO dmJYQmhibm t1IFBHSnlQ aTBnU1cgNG dNVGs0Tnl3 ZyBkR2hsSU dKaGJtIHNn WTJoaGJtZG wgWkNCcGRI TWdibSBGdF pTQjBieUJW IGJtbDBaV1 FnUTIgOXRi WFZ1YVhSNS BJRUpoYm1z Z1lXIDVrSU dKbFkyRnQg WlNCaElIQj FZbSB4cFky eDVJSFJ5IF lXUmxaQ0Jq YjIgMXdZVz U1TGp4aSBj ajR0SUZSdl pHIEY1TENC VmJtbDAgWl dRZ1EyOXRi WCBWdWFYUj VJRUpoIGJt dHpJR2x6SU cgOXVaU0J2 WmlCMCBhR1 VnYkdGeVoy IFZ6ZENCaV lXNXIgY3lC b1pXRmtjWC BWaGNuUmxj bVZrIElHbH VJRWRsYjMg Sm5hV0VzSU hkcCBkR2dn YjNabGNpIE FrTVRFZ1lt bHMgYkdsdm JpQnBiaSBC aGMzTmxkSE 11IFBHSnlQ aTBnVkcgaG xJR0poYm1z ZyBhR0Z6SU c5MlpYIEln TVRVd0lHeH YgWTJGMGFX OXVjeSBCaF kzSnZjM01n IFIyVnZjbW RwWVMgd2dU bTl5ZEdnZy BRMkZ5YjJ4 cGJtIEVzSU ZOdmRYUm8g SUVOaGNtOX NhVyA1aExD QmhibVFnIF ZHVnVibVZ6 YzIgVmxMan hpY2o0dCBJ RWx1SURJd0 1UIGtzSUZW dWFYUmwgWk NCRGIyMXRk VyA1cGRIa2 dRbUZ1IGEz TWdkMkZ6SU ggSmxZMjlu Ym1sNiBaV1 FnWVhNZ1lT IERpZ0p4R2 IzSmkgWlhN Z1FtVnpkQy BCQ1lXNXJJ R2x1IElFRn RaWEpwWTIg SGlnSjBzSU hKaCBibXRw Ym1jZ2JuIF Z0WW1WeUlI UjMgYnlCaG JXOXVaeSBC MGFHVWdibU YwIGFXOXU0 b0NaY3kgQj BiM0FnTVRB dyBJR0poYm 10ekxqIHhp Y2o0dElGUm 8gWlNCaVlX NXJJRyBoaG N5QmhJSE4w IGNtOXVaeU JqYjIgMXRh WFJ0Wlc1MC BJSFJ2SUdO dmJXIDExYm 1sMGVTQnAg Ym5admJIWm xiVyBWdWRD QmhibVFnIG NHaHBiR0Z1 ZEcgaHliM0 I1TENCMyBh WFJvSUdGdU lHIFZ0Y0do aGMybHogSU c5dUlITjFj SCBCdmNuUn BibWNnIFpX UjFZMkYwYV cgOXVMQ0Js WTI5dSBiMj FwWXlCa1pY IFpsYkc5d2 JXVnUgZEN3 Z1lXNWtJRy BoMWJXRnVJ SE5sIGNuWn BZMlZ6SUcg bHVJSFJvWl NCaiBiMjF0 ZFc1cGRHIG xsY3lCcGRD QnogWlhKMl pYTXVQRyBK eVBpMGdWVz VwIGRHVmtJ RU52YlcgMT FibWwwZVNC QyBZVzVyY3 lCcGN5IEJy Ym05M2JpQm 0gYjNJZ2FY UnpJSCBOMG NtOXVaeUJq IGRYTjBiMj FsY2kgQnpa WEoyYVdObC BMQ0JoYm1R Z2FHIEZ6SU dKbFpXNGcg Y21WamIyZH VhWCBwbFpD QjNhWFJvIE lHNTFiV1Z5 YjMgVnpJR0 YzWVhKayBj eUJtYjNJZ1 pYIGhqWld4 c1pXNWogWl NCcGJpQmpk WCBOMGIyMW xjaUJ6IFlY UnBjMlpoWT MgUnBiMjR1 UEdKeSBQaT BnVkdobElH IEpoYm1zZ2 IyWm0gWlhK eklHRWdkMi Bsa1pTQnlZ VzVuIFpTQn ZaaUJtYVcg NWhibU5wWV d3ZyBjMlZ5 ZG1salpYIE 1zSUdsdVky eDEgWkdsdV p5QndaWCBK emIyNWhiQ0 JoIGJtUWdZ blZ6YVcgNW xjM01nWW1G dSBhMmx1Wn l3Z2QyIFZo YkhSb0lHMW ggYm1GblpX MWxibiBRc0 lHRnVaQ0J0 IGIzSjBaMk ZuWlMgQnNa VzVrYVc1bi BMZz09CiAg ICAgICAgPC 9zcGFuPgog ICAgICAgIA ogICAgICAg IA==