%PDF-1.4 % 20 0 obj <> endobj 50 0 obj <> endobj 55 0 obj <> endobj 72 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 5 )247.6( )247.6( )]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 35.5957 31.7313 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 143.0805 31.7313 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /Artifact <>BDC 0 0 0 0 k /GS1 gs 515.27 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F1 1 Tf 9 0 0 9 515.27 721.5889 Tm .72549 .12941 .60784 .007843 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 515.284 746.986 53.701 -54.87 re W n q 1 0 0 1 568.985 747 cm 0 0 m 0 -54.884 l -9.375 -54.884 l -9.375 -9.9448 l -49.977 -9.9448 l -49.977 0 l 0 0 l f Q EMC /P <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 9 0 0 9 37.3693 555.1097 Tm 0 0 0 1 k -.02 Tc (The )Tj /TT7 1 Tf 1.8448 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech industr)-8.8(y is gr)9.8(owing at such a fast pace)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 228.9458 557.8098 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 231.798 558.0798 Tm -.0333 Tc (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 233.8348 557.8098 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 9 0 0 9 236.6871 555.1097 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 543.1097 Tm -.005 Tc [(that inv)6.3(est)9.8(ors, boar)9.3(ds of dir)9.3(ect)9.8(ors, senior)]TJ ET EMC /P <>BDC BT 9 0 0 9 198.4943 543.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 531.1097 Tm -.005 Tc [(management and go)7.3(v)6.3(ernment r)9.3(egulat)9.8(ors need t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.3053 531.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 519.1097 Tm -.005 Tc [(r)9.3(eexamine curr)9.3(ent pr)19.5(actices and models of )]TJ /TT7 1 Tf 19.0161 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 235.5702 519.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 507.1098 Tm -.005 Tc [(go)7.3(v)6.3(ernance. One well-known example of this)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.2126 507.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 495.1098 Tm -.005 Tc [(gr)9.8(owth is the US$16 billion inv)6.3(ested in the UK)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.5727 495.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 37.3693 483.1098 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech industr)-8.8(y in the )]TJ /TT7 1 Tf 9.1366 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(rst half of 2018. )19.5(This)]TJ ET EMC /P <>BDC BT 9 0 0 9 211.0023 483.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 471.1098 Tm -.005 Tc [(r)9.3(epr)9.3(esented mor)9.3(e than 25 per)9.3(cent of the US$57.9)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.9809 471.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 459.1098 Tm -.005 Tc [(billion inv)6.3(ested in the )]TJ /TT7 1 Tf 9.464 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech industr)-8.8(y worldwide.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 228.6685 461.8098 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 231.6559 459.1098 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 447.1098 Tm -.005 Tc (The bigger the )Tj /TT7 1 Tf 6.5461 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech industr)-8.8(y gets, the mor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.9033 447.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 435.1098 Tm -.005 Tc [(impor)-24.4(tant it is t)9.8(o)0( ha)7.3(v)6.3(e)0( suitable go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.0158 435.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 423.1098 Tm -.005 Tc (mechanisms in place.)Tj ET EMC /P <>BDC BT 9 0 0 9 123.5913 423.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 37.3693 397.1098 Tm .722 .129 .671 .012 k -.005 Tc [(The Fintech Re)6.3(v)7.3(olution and Go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 11 0 0 11 231.7723 397.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 37.3693 379.1098 Tm 0 0 0 1 k -.005 Tc [(Fintech enterprises ar)9.3(e tr)19.5(ansforming )]TJ /TT7 1 Tf 16.2101 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial)Tj ET EMC /P <>BDC BT 9 0 0 9 216.6855 379.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 367.1098 Tm -.005 Tc [(systems all o)7.3(v)6.3(er the world. In fact, these enterprises)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.9624 367.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 355.1098 Tm -.005 Tc [(ha)7.3(v)6.3(e)0( a mandate t)9.8(o)0( sustain an eff)11.7(ectiv)6.3(e and e)]TJ /TT1 1 Tf 19.5989 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8485 0 TD -.005 Tc (cient)Tj ET EMC /P <>BDC BT 9 0 0 9 240.7405 355.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 343.1098 Tm -.005 Tc (technology-oriented )Tj /TT7 1 Tf 8.9767 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech bionetwork t)9.8(o)0( pr)9.8(o)7.3(vide)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.8983 343.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 331.1098 Tm -.005 Tc [(cr)-8.8(ystal-clear )]TJ /TT7 1 Tf 5.6043 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial tr)19.5(ansactions. )19.5(The main idea)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.8128 331.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 319.1097 Tm -.005 Tc [(behind this gr)9.8(oundbr)9.3(eaking industr)-8.8(y is t)9.8(o)0( mak)9.8(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.9536 319.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 37.3693 307.1097 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial ser)-8.8(vices a)7.3(v)7.3(ailable t)9.8(o)0( e)6.3(v)6.3(e)0(r)-8.8(y)7.3(one e)6.3(v)6.3(e)0(r)-8.8(ywher)9.3(e,)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.5793 307.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 295.1097 Tm -.005 Tc [(constituting a r)9.3(eal )]TJ /TT7 1 Tf 8.4712 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech r)9.3(e)6.3(v)7.3(olution.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 186.6102 297.8098 Tm 0 Tc (4)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 189.5975 297.8098 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 271.1097 Tm -.005 Tc (The demand for )Tj /TT7 1 Tf 7.2307 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech go)7.3(v)6.3(ernance pr)19.5(actices is)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.2373 271.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 259.1097 Tm -.005 Tc [(incr)9.3(easing on a daily basis and go)7.3(v)6.3(ernance has)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.1928 259.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 247.1098 Tm -.005 Tc [(become a critical success fact)9.8(or thr)9.8(oughout the)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.1801 247.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 37.3693 235.1098 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech industr)-8.8(y)52.2(.)0( )]TJ ET EMC /P <>BDC BT 9 0 0 9 102.4348 235.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT6 1 Tf 9 0 0 9 55.3693 217.1098 Tm -.005 Tc [(Etymologically)52.2(, go)7.3(v)6.3(ernance can be tr)19.5(aced)]TJ ET EMC /P <>BDC BT 9 0 0 9 214.8891 217.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.3693 205.1098 Tm -.005 Tc [(back t)9.8(o)0( the Gr)9.3(eek v)6.3(erb kubernn \(t)9.8(o pilot or)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.149 205.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.3693 193.1098 Tm -.005 Tc [(steer\). )19.5(The Gr)9.3(eek term ga)7.3(v)6.3(e)0( rise t)9.8(o)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 202.9764 193.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.3693 181.1098 Tm -.005 Tc [(medie)6.3(v)7.3(al Latin gubernar)9.3(e, which has the)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.4515 181.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.3693 169.1098 Tm -.005 Tc (same connotation of piloting, rule-making)Tj ET EMC /P <>BDC BT 9 0 0 9 216.1316 169.1098 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.3693 157.1098 Tm -.005 Tc (or steering.)Tj ET EMC /P <>BDC BT /TT2 1 Tf 5.4 0 0 5.4 99.1352 159.8098 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 102.1226 159.8098 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 133.1097 Tm -.02 Tc (In terms of a )Tj /TT7 1 Tf 5.5823 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech enterprise, ther)9.3(e ar)9.3(e thr)9.3(ee)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.0855 133.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 121.1097 Tm -.02 Tc [(elements t)9.8(o)0( the pr)9.3(e)6.3(vious de)]TJ /TT7 1 Tf 11.7188 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc -.0195 Tw (nition. The )Tj /TT7 1 Tf 4.6619 0 TD 0 Tc 0 Tw ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (rst element)Tj ET EMC /P <>BDC BT 9 0 0 9 237.5594 121.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 109.1097 Tm -.02 Tc [(is piloting, which has t)9.8(o)0( do with sponsoring and)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.6821 109.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 97.1097 Tm -.02 Tc (taking ownership of a )Tj /TT7 1 Tf 9.3564 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech or)9.3(ganization. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.0953 97.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 85.1097 Tm -.02 Tc (second element deals with rule making, which entails)Tj ET EMC /P <>BDC BT 9 0 0 9 240.0116 85.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.3693 73.1097 Tm -.02 Tc [(setting out the rules of engagement t)9.8(o)0( be used b)5.4(y)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.3853 73.1097 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 255.8694 600.7688 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech team. )19.5(The last element deals with steering,)]TJ ET EMC /P <>BDC BT 9 0 0 9 447.0503 600.7688 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 588.7688 Tm -.02 Tc [(which has t)9.8(o)0( do with guiding, maneuv)6.3(ering and)]TJ ET EMC /P <>BDC BT 9 0 0 9 434.437 588.7688 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 576.7688 Tm -.02 Tc (driving the )Tj /TT7 1 Tf 4.6472 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech team t)9.8(o)0( a secur)9.3(e place.)]TJ ET EMC /P <>BDC BT 9 0 0 9 414.9203 576.7688 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 552.7687 Tm -.005 Tc [(A)8.3(t)0( this stage, it is impor)-24.4(tant t)9.8(o)0( underline that )]TJ /TT7 1 Tf 19.6901 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 460.1361 552.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 540.7687 Tm -.005 Tc [(risk management pr)9.8(o)7.3(vides the foundation for)]TJ ET EMC /P <>BDC BT 9 0 0 9 433.9791 540.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 528.7687 Tm -.005 Tc (managing )Tj /TT7 1 Tf 4.6352 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech go)7.3(v)6.3(ernance.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 375.2365 531.4686 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 378.2237 528.7687 Tm -.005 Tc ( An example is the)Tj ET EMC /P <>BDC BT 9 0 0 9 450.6664 528.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 516.7687 Tm -.005 Tc [(managing of r)9.3(egulation-r)9.3(elated risk fact)9.8(ors such as)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.8531 516.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 504.7687 Tm -.005 Tc [(those inher)9.3(ent in Compr)9.3(ehensiv)6.3(e Capital Analysis)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.8402 504.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 492.7687 Tm -.005 Tc [(and Re)6.3(view \(CCAR\), the US Dodd-F)12.7(r)19.5(ank Act, the )]TJ ET EMC /P <>BDC BT 9 0 0 9 443.6045 492.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 480.7687 Tm -.005 Tc [(EU Gener)19.5(al Data Pr)9.8(otection Regulation \(GDPR\),)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.4062 480.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 468.7687 Tm -.005 Tc [(the Basel Mark)9.8(ets in Financial Instruments )]TJ ET EMC /P <>BDC BT 9 0 0 9 425.9943 468.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 456.7687 Tm -.005 Tc [(Dir)9.3(ectiv)6.3(e \(MiFID\) and the Re)6.3(vised P)5.4(a)7.3(yment )]TJ ET EMC /P <>BDC BT 9 0 0 9 425.8019 456.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 444.7687 Tm -.005 Tc [(Ser)-8.8(vice Dir)9.3(ectiv)6.3(e \(PSD2\).)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 353.7228 447.4687 Tm 0 Tc (7)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 356.7102 447.4687 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 420.7687 Tm -.005 Tc [(Fintech enterprises ar)9.3(e facing multiple go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.3293 420.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 408.7687 Tm -.005 Tc [(challenges ar)9.8(ound the world. F)10.2(or instance, many of)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.7268 408.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 396.7687 Tm -.005 Tc [(them ha)7.3(v)6.3(e)0( international cust)9.8(omer bases and ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 446.2016 396.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 384.7687 Tm -.005 Tc [(obligated t)9.8(o)0( meet go)7.3(v)6.3(ernment r)9.3(egulat)9.8(or)-8.8(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 416.6028 384.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 372.7687 Tm -.005 Tc [(r)9.3(equir)9.3(ements, including those r)9.3(elated t)9.8(o)0( mone)6.3(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.8842 372.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 360.7687 Tm -.005 Tc [(laundering, data pr)9.8(otection, priv)7.3(acy)52.2(, and briber)-8.8(y and)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.1563 360.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 348.7687 Tm -.005 Tc [(corruption, in se)6.3(v)6.3(e)0(r)19.5(al jurisdictions.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 390.5278 351.4687 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 393.5152 351.4687 Tm ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 255.8694 322.7687 Tm .722 .129 .671 .012 k -.005 Tc [(Fintech Go)7.3(v)6.3(ernance Challenges)]TJ ET EMC /P <>BDC BT 11 0 0 11 410.4612 322.7687 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 255.8694 304.7686 Tm 0 0 0 1 k -.005 Tc [(Befor)9.3(e demonstr)19.5(ating how t)9.8(o)0( appr)9.8(oach )]TJ /TT7 1 Tf 17.4039 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 439.5601 304.7686 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 292.7686 Tm -.005 Tc [(go)7.3(v)6.3(ernance, it is appr)9.8(opriate t)9.8(o)0( addr)9.3(ess some of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 460.9698 292.7686 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 280.7686 Tm -.005 Tc [(go)7.3(v)6.3(ernance issues curr)9.3(ently facing )]TJ /TT7 1 Tf 15.493 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 422.362 280.7686 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.8694 268.7686 Tm -.005 Tc (enterprises worldwide \()Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 348.1746 268.7686 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 1)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 378.9774 268.7686 Tm (\):)Tj ET EMC /P <>BDC BT 9 0 0 9 384.196 268.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 266.8854 250.7686 Tm 0 .349 .902 0 k -.005 Tc [(Issue 1: Y)31.7(ounger and priv)7.3(ate enterprises with)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 447.4319 250.7686 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT10 1 Tf 12 0 0 12 255.8694 250.7686 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 266.8854 238.7686 Tm 0 .349 .902 0 k -.005 Tc (lack of )Tj /TT8 1 Tf 3.2388 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (nancial stability)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 364.4169 238.7686 Tm 0 0 0 1 k (Many )Tj /TT7 1 Tf 3.4402 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 422.4343 238.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 226.7686 Tm -.005 Tc [(enterprises ar)9.3(e y)7.3(oung, priv)7.3(ate or)9.3(ganizations)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 438.9121 226.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 214.7686 Tm -.005 Tc [(driv)6.3(en b)5.4(y)0( inno)7.3(v)7.3(ation, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 349.5414 214.7686 Tm -.02 Tc [(and the)6.3(y lack the )]TJ /TT7 1 Tf 7.3881 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (nancial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 448.3795 214.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 202.7686 Tm -.02 Tc [(str)9.3(ength necessar)-8.8(y t)9.8(o)0( attr)19.5(act new clients and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 438.1536 202.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 190.7686 Tm -.02 Tc [(par)-24.4(tners. )19.5(This r)9.3(epr)9.3(esents a trust issue that r)9.3(equir)9.3(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 461.0332 190.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 178.7686 Tm -.02 Tc [(immediate attention fr)9.8(om the go)7.3(v)6.3(ernance team if)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 454.2249 178.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 166.7686 Tm -.02 Tc [(the enterprise is t)9.8(o)0( sta)7.3(y a)]TJ /TT7 1 Tf 10.6104 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc (oat.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 381.9274 166.7686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 266.8854 148.7927 Tm 0 .35 .9 0 k -.02 Tc [(Issue 2: Alignment of new go)7.3(v)6.4(ernance pr)14.6(actices)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.726 148.7927 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT10 1 Tf 12 0 0 12 255.8694 148.7927 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 266.8854 136.7927 Tm -.02 Tc (with )Tj /TT8 1 Tf 2.0465 0 TD 0 Tc ()Tj /TT4 1 Tf .5884 0 TD -.02 Tc (ntech enterprises)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 358.4061 136.7927 Tm 0 0 0 1 k (Because of the agile)Tj ET EMC /LBody <>BDC BT 9 0 0 9 442.6885 136.7927 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 124.7927 Tm -.02 Tc [(natur)9.3(e of )]TJ /TT7 1 Tf 4.0451 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech enterpriseswhich oper)19.5(ate )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 437.1997 124.7927 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 112.7927 Tm -.02 Tc [(in a global envir)9.8(onment, implementing new)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.1812 112.7927 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 100.7927 Tm -.02 Tc [(technologies under multiple legislativ)6.3(e schemes)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 88.7927 Tm [(it is essential that the)6.3(y institute new go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 449.576 88.7927 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.8854 76.7927 Tm -.02 Tc [(pr)19.5(actices t)9.8(o)0( sustain the e)6.3(v)7.3(olution of the )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 418.9973 76.7927 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT7 1 Tf 9 0 0 9 266.8854 64.7927 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech enterprises. )Tj ET EMC /LBody <>BDC BT 9 0 0 9 342.2513 64.7927 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT12 1 Tf 30 0 0 30 37.3693 673.7056 Tm .5 .26 .09 0 k -.02 Tc [(Fintech Go)7.3(v)6.3(ernance Challenges,)]TJ ET EMC /P <>BDC BT 30 0 0 30 438.5081 673.7056 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 30 0 0 30 37.3693 639.7056 Tm -.02 Tc [(Le)6.3(v)6.3(els and )19.5(Theories)]TJ ET EMC /Artifact <>BDC .72 .13 .61 .01 k 472.015 59.029 130.985 508.549 re f EMC /Artifact <>BDC .5 .26 .09 0 k 37.753 567.578 205.5 39.941 re f EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 77.8696 593.1407 Tm 0 0 0 0 k 0 Tc [(T)82(ambin disponible en espaol)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.1885 593.1407 Tm ( )Tj ET EMC /P <>BDC BT /TT14 1 Tf 9 0 0 9 84.9799 582.3408 Tm [(www)60.5(.isaca.or)9.3(g/curr)9.3(entissue)]TJ ET EMC /P <>BDC BT /TT4 1 Tf 11 0 0 11 479.2528 553.6595 Tm -.025 Tc [(L)6.8(uis Emilio )]TJ ET EMC /P <>BDC BT 11 0 0 11 532.7207 553.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 479.2528 541.6595 Tm -.025 Tc [(Alv)7.3(ar)9.3(ez-Dionisi,)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 11 0 0 11 552.8853 541.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 479.2528 529.6595 Tm -.025 Tc [(Ph.D)49.8(.)]TJ ET EMC /P <>BDC BT 11 0 0 11 503.3318 529.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 518.8594 Tm -.025 Tc (Is a )Tj /TT7 1 Tf 1.7017 0 TD 0 Tc ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc (nancial technology)Tj ET EMC /P <>BDC BT 9 0 0 9 570.4063 518.8594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 508.0595 Tm (\()Tj /TT7 1 Tf .3168 0 TD ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc [(ntech\), pr)9.8(oject)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.6612 508.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 497.2595 Tm -.025 Tc (management and)Tj ET EMC /P <>BDC BT 9 0 0 9 546.2931 497.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 486.4595 Tm -.025 Tc (medical informatics)Tj ET EMC /P <>BDC BT 9 0 0 9 554.6254 486.4595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 475.6595 Tm -.025 Tc [(pr)9.8(of)11.7(essor and an)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.2944 475.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 464.8595 Tm -.025 Tc (international)Tj ET EMC /P <>BDC BT 9 0 0 9 526.3955 464.8595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 454.0595 Tm -.025 Tc (management)Tj ET EMC /P <>BDC BT 9 0 0 9 530.0278 454.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 443.2595 Tm -.025 Tc (consultant. He has)Tj ET EMC /P <>BDC BT 9 0 0 9 550.0427 443.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 432.4595 Tm -.025 Tc [(pr)9.8(o)7.3(vided advisor)-8.8(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.8643 432.4595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 421.6595 Tm -.025 Tc [(ser)-8.8(vices t)9.8(o)0( chief)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.8106 421.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 410.8595 Tm -.025 Tc [(ex)9.8(ecutiv)6.3(e o)]TJ /TT1 1 Tf 4.7402 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8285 0 TD -.025 Tc (cers,)Tj ET EMC /P <>BDC BT 9 0 0 9 547.1783 410.8595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 400.0595 Tm -.025 Tc [(boar)9.3(ds of dir)9.3(ect)9.8(ors and)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.085 400.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 389.2595 Tm -.025 Tc (senior management of)Tj ET EMC /P <>BDC BT 9 0 0 9 565.2285 389.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 378.4595 Tm -.025 Tc [(F)10.2(o)0(r)-24.4(tune 500 companies)]TJ ET EMC /P <>BDC BT 9 0 0 9 569.2971 378.4595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 367.6595 Tm -.025 Tc [(and consulted on pr)9.7(oject,)]TJ ET EMC /P <>BDC BT 9 0 0 9 574.2025 367.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 356.8595 Tm -.025 Tc [(pr)9.8(ogr)19.5(am and por)-24.4(tfolio)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.9099 356.8595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 346.0595 Tm -.025 Tc (management with)Tj ET EMC /P <>BDC BT 9 0 0 9 547.9753 346.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 335.2595 Tm -.025 Tc [(numer)9.8(ous enterprises)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.0732 335.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 324.4595 Tm -.025 Tc (worldwide, including)Tj ET EMC /P <>BDC BT 9 0 0 9 556.022 324.4595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 313.6595 Tm -.025 Tc [(Intel, IBM, Mer)9.3(ck,)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.0334 313.6595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 302.8595 Tm -.025 Tc [(Che)6.3(vr)9.8(on, Isuzu, Smiths)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.6556 302.8595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 292.0595 Tm -.025 Tc (Detection, the Beijing)Tj ET EMC /P <>BDC BT 9 0 0 9 558.4066 292.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 281.2595 Tm -.025 Tc (2008 Olympic Games,)Tj ET EMC /P <>BDC BT 9 0 0 9 562.2015 281.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 270.4594 Tm -.025 Tc [(Citibank, Standar)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.9861 270.4594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 259.6594 Tm -.025 Tc [(Char)-24.4(ter)9.3(ed Bank and the)]TJ ET EMC /P <>BDC BT 9 0 0 9 568.1053 259.6594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 248.8594 Tm -.025 Tc [(Go)7.3(v)6.3(ernment of)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.6548 248.8594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 238.0595 Tm -.025 Tc [(Singapor)9.3(e Inv)6.3(estment)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.9546 238.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 227.2595 Tm -.025 Tc [(Corpor)19.5(ation \(GIC)12.7(\). His)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.1024 227.2595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 216.4594 Tm -.025 Tc [(r)9.3(esear)9.3(ch focuses on)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.1766 216.4594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 479.2528 205.6594 Tm ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc (ntech risk)Tj ET EMC /P <>BDC BT 9 0 0 9 520.7633 205.6594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 194.8594 Tm -.025 Tc (management, )Tj /TT7 1 Tf 6.0355 0 TD 0 Tc ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 559.5481 194.8594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 184.0595 Tm -.025 Tc [(r)9.8(obo-advisor)-8.8(y consulting,)]TJ ET EMC /P <>BDC BT 9 0 0 9 573.785 184.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 479.2528 173.2594 Tm ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc [(ntech go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 551.5201 173.2594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 162.4594 Tm -.025 Tc [(structur)9.3(es, )]TJ /TT7 1 Tf 4.6518 0 TD 0 Tc ()Tj /TT2 1 Tf .5287 0 TD -.025 Tc (ntech )Tj ET EMC /P <>BDC BT 9 0 0 9 549.097 162.4594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 151.6594 Tm -.025 Tc [(star)-24.4(t-up fundr)19.5(aising,)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.6149 151.6594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 140.8594 Tm -.025 Tc [(pr)9.8(oject management)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.1638 140.8594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 130.0595 Tm -.025 Tc [(tr)9.3(ends and tuber)9.3(culosis)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.9594 130.0595 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 119.2594 Tm -.025 Tc (management)Tj ET EMC /P <>BDC BT 9 0 0 9 530.0278 119.2594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 108.4594 Tm -.025 Tc (information systems)Tj ET EMC /P <>BDC BT 9 0 0 9 557.4422 108.4594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 97.6594 Tm -.025 Tc (\(MIS\). He can be)Tj ET EMC /P <>BDC BT 9 0 0 9 542.1298 97.6594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 86.8593 Tm -.025 Tc [(r)9.3(eached at)]TJ ET EMC /P <>BDC BT 9 0 0 9 519.204 86.8593 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 76.0594 Tm -.025 Tc [(dr)19.5(alv)7.3(ar)9.3(ez)7.8(dionisi@)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.2115 76.0594 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 479.2528 65.2594 Tm -.025 Tc [(pr)9.8(ot)9.8(onmail.com.)]TJ ET EMC Q endstream endobj 73 0 obj <>/ExtGState<>>> endobj 104 0 obj <> endobj 109 0 obj <> endobj 114 0 obj <> endobj 119 0 obj <> endobj 128 0 obj <> endobj 130 0 obj <> endobj 134 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (2)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.8304 30.75 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 521.3153 30.75 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 155.6448 495.2522 Tm 0 .35 .9 0 k -.005 Tc [(Issue 3: Activ)6.3(e inv)6.3(est)14.6(ors)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 253.5774 495.2522 Tm 0 0 0 1 k [(Fintech activ)6.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 315.4589 495.2522 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 144.6288 495.2522 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.6448 483.2522 Tm 0 0 0 1 k -.005 Tc [(inv)6.3(est)9.8(ors tak)9.8(e on the r)9.8(oles of advisors and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 322.5309 483.2522 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 471.2521 Tm -.005 Tc [(consultants t)9.8(o)0( )]TJ /TT7 1 Tf 6.5271 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprises. )19.5(Ther)9.3(efor)9.3(e, it is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.5428 471.2521 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 459.2521 Tm -.005 Tc [(r)9.3(ecommended t)9.8(o)0( include )]TJ /TT7 1 Tf 11.1653 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech activ)6.3(e inv)6.3(est)9.8(ors)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.2119 459.2521 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 447.2522 Tm -.005 Tc [(on the enterprise)39.1()54.7(s)0( go)7.3(v)6.3(ernance team.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 300.8688 447.2522 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 155.6448 429.2762 Tm 0 .35 .9 0 k -.02 Tc [(Issue 4: Regulat)14.6(or)-8.8(y r)9.3(equir)9.3(ements acr)17.6(oss multiple)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 345.5113 429.2762 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT10 1 Tf 12 0 0 12 144.6288 429.2762 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 155.6448 417.2762 Tm -.02 Tc (jurisdictions)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 203.3105 417.2762 Tm 0 0 0 1 k (Because many )Tj /TT7 1 Tf 7.2576 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech enterprises)Tj ET EMC /LBody <>BDC BT 9 0 0 9 339.7582 417.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 405.2762 Tm -.02 Tc [(ha)7.3(v)6.3(e)0( international client bases, the)6.3(y ar)9.3(e r)9.3(equir)9.3(ed t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.4128 405.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 393.2762 Tm -.02 Tc [(comply with go)7.3(v)6.3(ernment r)9.3(egulations acr)9.8(oss)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 322.6672 393.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 381.2762 Tm -.02 Tc [(multiple jurisdictions. )19.5(Ther)9.3(efor)9.3(e, pr)9.8(oper)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 304.6979 381.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 369.2762 Tm -.02 Tc [(go)7.3(v)6.3(ernance suppor)-24.4(t should be a)7.3(v)7.3(ailable for this)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 336.2079 369.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 357.2762 Tm -.02 Tc [(new type of or)9.3(ganizational envir)9.8(onment.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 308.4197 357.2762 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 155.6448 339.3002 Tm 0 .35 .9 0 k -.005 Tc [(Issue 5: Inno)7.3(v)7.3(ativ)6.3(e solutions ar)17.6(ound risk and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 333.9195 339.3002 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT10 1 Tf 12 0 0 12 144.6288 339.3002 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 155.6448 327.3002 Tm -.005 Tc [(r)9.3(egulation mandates)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 238.1237 327.3002 Tm 0 0 0 1 k [(Go)7.3(v)6.3(ernment r)9.3(egulations)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.8684 327.3002 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.6448 315.3002 Tm -.005 Tc [(ha)7.3(v)6.3(e)0( allowed )]TJ /TT7 1 Tf 5.9702 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprises t)9.8(o)0( build)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 314.4261 315.3002 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 659.3782 Tm -.005 Tc [(solutions ar)9.8(ound risk fact)9.8(ors and r)9.3(egulat)9.8(or)-8.8(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.0353 659.3782 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 647.3782 Tm -.005 Tc [(r)9.3(equir)9.3(ements. )19.5(Ther)9.3(efor)9.3(e, go)7.3(v)6.3(ernance suppor)-24.4(t)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.1667 647.3782 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 635.3782 Tm -.005 Tc [(should be a)7.3(v)7.3(ailable t)9.8(o)0( guide the )]TJ /TT7 1 Tf 14.0694 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 527.8251 635.3782 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 623.3782 Tm -.005 Tc [(enterprises in this effor)-24.4(t.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 471.0251 623.3782 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 374.1448 605.4022 Tm 0 .35 .9 0 k -.005 Tc [(Issue 6: Lack of go)7.3(v)6.3(ernance mechanisms on)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 551.8215 605.4022 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT10 1 Tf 12 0 0 12 363.1288 605.4022 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 374.1448 593.4022 Tm -.005 Tc (implementation of new technologies)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 520.0431 593.4022 Tm 0 0 0 1 k (Because)Tj ET EMC /LBody <>BDC BT 9 0 0 9 561.0577 593.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT7 1 Tf 9 0 0 9 374.1448 581.4022 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprises ar)9.3(e oriented t)9.8(owar)9.3(d)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 526.6749 581.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 569.4022 Tm -.005 Tc [(implementing cutting-edge technologies t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 543.1336 569.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 557.4022 Tm -.005 Tc [(pr)9.8(oduce inno)7.3(v)7.3(ativ)6.3(e solutions, the)6.3(y need t)9.8(o)0( ha)7.3(v)6.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 560.4551 557.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 545.4022 Tm -.005 Tc [(suitable go)7.3(v)6.3(ernance pr)9.8(ocesses in place t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 539.6531 545.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 533.4022 Tm -.005 Tc [(implement such technologies and r)9.8(oll out state-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 521.4022 Tm [(of-the-ar)-24.4(t solutionsfor instance, ha)7.3(ving)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 533.2678 521.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 509.4022 Tm -.005 Tc [(delineated a go)7.3(v)6.3(ernance pr)9.8(ocess t)9.8(o)0( implement)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 558.8849 509.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 497.4022 Tm -.005 Tc [(distributed ledger technology \(DL)134.3(T\) for an)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 537.525 497.4022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 374.1448 485.4022 Tm -.005 Tc [(Ether)9.3(eum application.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.3481 485.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 363.1288 459.4022 Tm .722 .129 .671 .012 k -.005 Tc [(Fintech Go)7.3(v)6.3(ernance Le)6.3(v)6.3(els)]TJ ET EMC /P <>BDC BT 11 0 0 11 494.7104 459.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 363.1288 441.4022 Tm 0 0 0 1 k -.005 Tc [(Go)7.3(v)6.3(ernance can be studied fr)9.8(om diff)11.7(er)9.3(ent angles,)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.1723 441.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 429.4022 Tm -.005 Tc [(such as corpor)19.5(ate go)7.3(v)6.3(ernance, enterprise)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.0718 429.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 417.4022 Tm -.005 Tc [(go)7.3(v)6.3(ernance and I)14.2(T)19.5( go)7.3(v)6.3(ernance perspectiv)6.3(es.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 538.915 420.1022 Tm 0 Tc (9)Tj ET EMC /P <>BDC BT 9 0 0 9 541.9022 417.4022 Tm -.005 Tc ( It can)Tj ET EMC /P <>BDC BT 9 0 0 9 566.0033 417.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 405.4022 Tm -.005 Tc [(be helpful t)9.8(o)0( focus on thr)9.3(ee le)6.3(v)6.3(els of go)7.3(v)6.3(ernance:)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.5638 405.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 363.1288 393.4022 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance, go)7.3(v)6.3(ernance of )]TJ /TT7 1 Tf 19.2486 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 568.3597 393.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 381.4022 Tm -.005 Tc [(inno)7.3(v)7.3(ativ)6.3(e solutions \(GoFIS\) and go)7.3(v)6.3(ernance of)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.5104 381.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 363.1288 369.4022 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech enterprise \(GoFEN\), as depicted in )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 529.1063 369.4022 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 2)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 559.9091 369.4022 Tm 0 Tc (.)Tj ET EMC /P <>BDC BT 9 0 0 9 562.2327 369.4022 Tm ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 363.1288 345.4022 Tm -.005 Tc [(Fintech Corpor)14.6(ate Go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 484.8987 345.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 363.1288 333.4022 Tm -.005 Tc [(This is the highest le)6.3(v)6.3(el of go)7.3(v)6.3(ernance of a )]TJ /TT7 1 Tf 18.9181 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 560.4475 333.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 321.4022 Tm -.005 Tc [(enterprise. It is wher)9.3(e the shar)9.3(eholders, boar)9.3(ds of)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.8767 321.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 309.4022 Tm -.005 Tc [(dir)9.3(ect)9.8(ors \(BoDs\), enterprise management,)]TJ ET EMC /P <>BDC BT 9 0 0 9 527.6011 309.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 297.4022 Tm -.005 Tc [(go)7.3(v)6.3(ernment agencies \(r)9.3(egulat)9.8(ors\) fr)9.8(om multiple)]TJ ET EMC /P <>BDC BT 9 0 0 9 551.6725 297.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 285.4022 Tm -.005 Tc [(jurisdictions, activ)6.3(e inv)6.3(est)9.8(ors, )]TJ /TT7 1 Tf 13.0977 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech technology)Tj ET EMC /P <>BDC BT 9 0 0 9 553.8964 285.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 273.4022 Tm -.005 Tc [(par)-24.4(tners and other stak)9.8(eholders inter)19.5(act t)9.8(o)0( cr)9.3(eate a)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.4563 273.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 261.4022 Tm -.005 Tc (balance of power within the )Tj /TT7 1 Tf 12.3361 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech enterprise.)Tj ET EMC /P <>BDC BT 9 0 0 9 545.4409 261.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 249.4022 Tm -.005 Tc [(These par)-24.4(ticipants can be thought of as the se)6.3(v)6.3(e)0(n)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.1464 249.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 237.4022 Tm -.005 Tc [(blades that pr)9.8(opel )]TJ /TT7 1 Tf 8.1462 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance.)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.418 237.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 225.4022 Tm -.005 Tc [(The main objectiv)6.3(e of the )]TJ /TT7 1 Tf 11.3251 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate)]TJ ET EMC /P <>BDC BT 9 0 0 9 532.4329 225.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 213.4022 Tm -.005 Tc [(go)7.3(v)6.3(ernance le)6.3(v)6.3(el is t)9.8(o)0( establish a go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 541.6629 213.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 201.4022 Tm -.005 Tc [(mechanism t)9.8(o)0( o)7.3(v)6.3(ersee the )39.1(system of structur)19.5(al,)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.4292 201.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 189.4022 Tm -.005 Tc [(pr)9.8(ocedur)19.5(al and cultur)19.5(al saf)11.7(eguar)9.3(ds designed t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.8688 189.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 177.4022 Tm -.005 Tc [(ensur)9.3(e that a company is run in the best long-term)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.9934 177.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 165.4022 Tm -.005 Tc [(inter)9.3(ests of its shar)9.3(eholders.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 478.1104 168.1022 Tm -.0083 Tc (10)Tj ET EMC /P <>BDC BT 9 0 0 9 484.0849 165.4022 Tm -.005 Tc [( Howe)6.3(v)6.3(e)0(r)60.1(,)0( in terms of)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.1067 165.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 153.4022 Tm -.005 Tc [(inv)6.3(estment management, )]TJ /TT7 1 Tf 11.3972 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate)]TJ ET EMC /P <>BDC BT 9 0 0 9 533.0821 153.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 141.4022 Tm -.005 Tc [(go)7.3(v)6.3(ernance enhances the long-term inv)6.3(estment)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.8927 141.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 129.4022 Tm -.005 Tc [(r)9.3(eturns, mitigating risks and pr)9.8(o)7.3(viding a better)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.9756 129.4022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.1288 117.4022 Tm -.005 Tc [(pictur)9.3(e of por)-24.4(tfolio companies.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 487.4214 120.1022 Tm -.0083 Tc (11)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 493.3958 120.1022 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .56471 .24314 .086274 0 k /GS1 gs 144.369 650.628 205.081 15.5 re f q 1 i 144.369 666.128 205.081 -154.485 re W n 0 .122 .315 0 k 144.354 650.628 41.319 -24.75 re 185.673 650.628 163.777 -24.75 re 144.354 601.128 41.319 -14.75 re 185.673 601.128 163.777 -14.75 re 144.354 561.628 41.319 -24.75 re 185.673 561.628 163.777 -24.75 re f .11373 .047059 .019608 0 k 144.354 625.878 41.319 -24.75 re 185.673 625.878 163.777 -24.75 re 144.354 586.378 41.319 -24.75 re 185.673 586.378 163.777 -24.75 re 144.354 536.878 41.319 -24.75 re 185.673 536.878 163.777 -24.75 re f 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d q 1 0 0 1 144.354 650.628 cm 0 0 m 41.319 0 l S 1 0 0 1 41.319 0 cm 0 0 m 163.777 0 l S Q Q 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d 1 i q 1 0 0 1 185.673 626.378 cm 0 0 m 0 23.75 l S 1 0 0 1 0 -39.5 cm 0 0 m 0 13.75 l S 1 0 0 1 0 -49.5 cm 0 0 m 0 23.75 l S Q q 144.369 666.128 205.081 -154.485 re W n q 1 0 0 1 144.354 625.878 cm 0 0 m 41.319 0 l S 1 0 0 1 0 -24.75 cm 0 0 m 41.319 0 l S 1 0 0 1 41.319 24.75 cm 0 0 m 163.777 0 l S Q Q q 1 0 0 1 185.673 601.628 cm 0 0 m 0 23.75 l S Q q 144.369 666.128 205.081 -154.485 re W n q 1 0 0 1 185.673 601.128 cm 0 0 m 163.777 0 l S 1 0 0 1 -41.319 -14.75 cm 0 0 m 41.319 0 l S 1 0 0 1 0 -24.75 cm 0 0 m 41.319 0 l S 1 0 0 1 41.319 24.75 cm 0 0 m 163.777 0 l S Q Q q 1 0 0 1 185.673 562.128 cm 0 0 m 0 23.75 l S Q q 144.369 666.128 205.081 -154.485 re W n q 1 0 0 1 185.673 561.628 cm 0 0 m 163.777 0 l S 1 0 0 1 -41.319 -24.75 cm 0 0 m 41.319 0 l S 1 0 0 1 0 -24.75 cm 0 0 m 41.319 0 l S 1 0 0 1 41.319 24.75 cm 0 0 m 163.777 0 l S Q Q q 1 0 0 1 185.673 512.628 cm 0 0 m 0 23.75 l S Q q 144.369 666.128 205.081 -154.485 re W n q 1 0 0 1 185.673 512.128 cm 0 0 m 163.777 0 l S Q Q BT /F2 1 Tf 10 0 0 10 148.3531 654.6287 Tm 0 0 0 0 k -.0151 Tc .0221 Tw [(Figur)9.8(e 1Fintech Go)7.8(v)6.1(e).8(rnance Challenges)]TJ ET /GS2 gs BT /F3 1 Tf 9 0 0 9 148.3531 639.8787 Tm 0 0 0 1 k -.0094 Tc -.0007 Tw [(Issue 1:)-1599.8(Y)31.3(o)-.1(unger and priv)7.4(ate or)9.5(ganizations with lack)-8.7( )]TJ 4.591 -1.111 TD -.0092 Tc .0002 Tw (of financial stability)Tj -4.591 -1.639 TD -.0094 Tc .0004 Tw [(Issue 2:)-1598.7(Alignment of new go)8.1(v)6.6(e)-.3(rnance pr)19.6(actices with)-9( )]TJ 4.591 -1.111 TD -.0007 Tw [(fintech or)9.6(ganizations)]TJ -4.591 -1.639 TD .0004 Tw [(Issue 3:)-1599(Activ)6.4(e)-.2( inv)6.4(e)-.2(st)9(ors)]TJ T* -.0096 Tc .0006 Tw [(Issue 4:)-1599.1(Regulat)8.8(or)-8.8(y r)9.2(e)-.4(quir)9.3(ements acr)9.2(oss multiple)-10.4( )]TJ 4.591 -1.1111 TD -.0094 Tc 0 Tw (jurisdictions)Tj -4.591 -1.6389 TD .0004 Tw [(Issue 5:)-1598.8(Inno)7.9(v)7.4(a).1(tiv)6.5(e)-.1( solutions ar)9.6(ound risk and)-9.7( )]TJ 4.591 -1.1111 TD [(r)9.5(e)0(gulation mandates)]TJ -4.591 -1.6389 TD .0005 Tw [(Issue 6:)-1598.9(Lack of go)7.8(v)6.4(e)-.2(rnance mechanisms on)-9.3( )]TJ 4.591 -1.1111 TD .0004 Tw (implementation of new technologies)Tj ET EMC /Figure <>BDC q -26.393 332.977 429.002 -316.802 re W n -.052979 302.133 349.503 -187.581 re 494.733 120.102 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs q 352.508 0 0 190.477 -1.3125 113.064 cm /Im2 Do Q EMC Q endstream endobj 135 0 obj <>/XObject<>/ExtGState<>>> endobj 165 0 obj <> endobj 170 0 obj <> endobj 175 0 obj <> endobj 180 0 obj <> endobj 185 0 obj <> endobj 190 0 obj <> endobj 195 0 obj <> endobj 200 0 obj <> endobj 205 0 obj <> endobj 212 0 obj <> endobj 214 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (3)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.1747 30.75 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 143.6596 30.75 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 37.0119 414.6218 Tm -.005 Tc (Adapting the de)Tj /TT7 1 Tf 6.9245 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nition of )28.8(corpor)19.5(ate go)7.3(v)6.3(ernance)6.8()]TJ ET EMC /P <>BDC BT 9 0 0 9 231.3016 414.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 402.6218 Tm -.005 Tc [(pr)9.8(o)7.3(vided b)5.4(y)0( the Or)9.3(ganisation for E)9.3(conomic Co-)]TJ ET EMC /P <>BDC BT 9 0 0 9 37.0119 390.6218 Tm [(oper)19.5(ation and De)6.3(v)6.3(elopment \(OECD\), )]TJ /TT7 1 Tf 15.9892 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 207.9706 390.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 378.6218 Tm -.005 Tc [(corpor)19.5(ate go)7.3(v)6.3(ernance can be de)]TJ /TT7 1 Tf 14.0976 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned as:)Tj ET EMC /P <>BDC BT 9 0 0 9 197.2676 378.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT6 1 Tf 9 0 0 9 55.0119 360.6218 Tm -.005 Tc [(A set of r)9.3(elationships between a company)-7.3()54.7(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.9407 360.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 348.6218 Tm -.005 Tc [(management, its boar)9.3(d of dir)9.3(ect)9.8(ors, its)]TJ ET EMC /P <>BDC BT 9 0 0 9 204.3152 348.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 336.6218 Tm -.005 Tc [(shar)9.3(eholders, its activ)6.3(e inv)6.3(est)9.8(ors,)]TJ ET EMC /P <>BDC BT 9 0 0 9 183.3224 336.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 324.6218 Tm -.005 Tc [(go)7.3(v)6.3(ernment agencies fr)9.8(om diff)11.7(er)9.3(ent)]TJ ET EMC /P <>BDC BT 9 0 0 9 193.9933 324.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 312.6218 Tm -.005 Tc (countries, its )Tj /TT15 1 Tf 5.7463 0 TD 0 Tc ()Tj /TT6 1 Tf .537 0 TD -.005 Tc [(ntech technology par)-24.4(tners)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.8738 312.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 300.6218 Tm -.005 Tc [(and other stak)9.8(eholders. Fintech corpor)19.5(ate)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.5828 300.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 288.6218 Tm -.005 Tc [(go)7.3(v)6.3(ernance also pr)9.8(o)7.3(vides the structur)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.3008 288.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 276.6218 Tm -.005 Tc [(thr)9.8(ough which the objectiv)6.3(es of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 190.67 276.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 264.6218 Tm -.005 Tc [(company ar)9.3(e set, and the means of)]TJ ET EMC /P <>BDC BT 9 0 0 9 190.804 264.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 252.6218 Tm -.005 Tc [(attaining those objectiv)6.3(es and monit)9.8(oring)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.3566 252.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 55.0119 240.6218 Tm -.005 Tc [(per)-7.3(formance ar)9.3(e determined.)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 5.4 0 0 5.4 167.8707 243.3217 Tm -.0083 Tc (12)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 173.8452 243.3217 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 216.6218 Tm -.005 Tc [(Corpor)19.5(ate go)7.3(v)6.3(ernance is )29.8(one k)9.8(e)6.3(y element in)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.1555 216.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 204.6218 Tm -.005 Tc [(impr)9.8(o)7.3(ving economic e)]TJ /TT1 1 Tf 9.7247 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8485 0 TD -.005 Tc [(ciency and gr)9.8(owth as well)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.7295 204.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 192.6218 Tm -.005 Tc [(as enhancing inv)6.3(est)9.8(or con)]TJ /TT7 1 Tf 11.4732 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(dence.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 174.0169 195.3217 Tm -.0083 Tc (13)Tj ET EMC /P <>BDC BT 9 0 0 9 179.9914 192.6218 Tm -.005 Tc ( In that sense,)Tj ET EMC /P <>BDC BT 9 0 0 9 234.6966 192.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 37.0119 180.6218 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance and corpor)19.5(ate)]TJ ET EMC /P <>BDC BT 9 0 0 9 209.9689 180.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 168.6218 Tm -.005 Tc [(go)7.3(v)6.3(ernance ha)7.3(v)6.3(e)0( the same goals.)]TJ ET EMC /P <>BDC BT 9 0 0 9 169.053 168.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 144.6218 Tm -.005 Tc [(As a r)9.3(esult, an analysis of the de)]TJ /TT7 1 Tf 14.1098 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nition of )Tj /TT7 1 Tf 3.8484 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 230.6305 144.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 132.6218 Tm -.005 Tc [(corpor)19.5(ate go)7.3(v)6.3(ernance r)9.3(e)6.3(v)6.3(eals that ther)9.3(e ar)9.3(e )]TJ ET EMC /P <>BDC BT 9 0 0 9 210.6998 132.6218 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0119 120.6218 Tm -.005 Tc (nine elements:)Tj ET EMC /P <>BDC BT 9 0 0 9 94.5966 120.6218 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 49.7903 102.6458 Tm 0 .349 .902 0 k -.005 Tc (Fintech enterprise management)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 177.5048 102.6458 Tm 0 0 0 1 k (Responsible)Tj ET EMC /LBody <>BDC BT 9 0 0 9 232.9162 102.6458 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 37.0119 102.6458 Tm 0 .35 .9 0 k (1.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 49.7619 90.6458 Tm 0 0 0 1 k -.005 Tc [(for da)7.3(y-t)9.8(o-da)7.3(y oper)19.5(ations )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 150.4358 90.6458 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 49.7903 72.6698 Tm 0 .349 .902 0 k -.005 Tc (BoDs)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 70.9194 72.6698 Tm 0 0 0 1 k [(Ov)6.3(ersees the entir)9.3(e enterprise; elected b)5.4(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 240.0775 72.6698 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 37.0119 72.6698 Tm 0 .35 .9 0 k (2.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 49.7619 60.6698 Tm 0 0 0 1 k -.005 Tc [(the shar)9.3(eholders)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 115.9622 60.6698 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 414.6218 Tm 0 .349 .902 0 k -.005 Tc [(Shar)9.3(eholders)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 322.1828 414.6218 Tm 0 0 0 1 k (Owners of the enterprise )Tj ET EMC /LBody <>BDC BT 9 0 0 9 428.4199 414.6218 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 414.6218 Tm 0 .35 .9 0 k (3.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 268.9071 396.6458 Tm 0 .349 .902 0 k -.005 Tc [(Activ)6.3(e inv)6.4(est)14.6(ors)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 333.2793 396.6458 Tm 0 0 0 1 k [(Or)9.3(ganizations or individuals)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 449.8097 396.6458 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 396.6458 Tm 0 .35 .9 0 k (4.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 268.8788 384.6458 Tm 0 0 0 1 k -.005 Tc [(who put mone)6.3(y int)9.8(o the )]TJ /TT7 1 Tf 10.5183 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprise t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 442.5852 384.6458 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 268.8788 372.6458 Tm -.005 Tc [(gain pr)9.8(o)]TJ /TT7 1 Tf 3.5669 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ts in r)9.3(eturn; activ)6.3(e inv)6.3(est)9.8(ors also)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 432.947 372.6458 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 268.8788 360.6458 Tm -.005 Tc [(pr)9.8(o)7.3(vide str)19.5(ategic guidance )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 375.4182 360.6458 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 342.6698 Tm 0 .349 .902 0 k -.005 Tc [(Go)7.3(v)6.3(ernment agencies)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 356.3034 342.6698 Tm 0 0 0 1 k [(Entities that oper)19.5(ate as)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 454.3195 342.6698 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 342.6698 Tm 0 .35 .9 0 k (5.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT7 1 Tf 9 0 0 9 268.8788 330.6698 Tm 0 0 0 1 k ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial r)9.3(egulat)9.8(ors in their jurisdictions )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.22 330.6698 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 312.6937 Tm 0 .349 .902 0 k -.005 Tc [(Fintech technology par)-24.4(tners)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 381.3132 312.6937 Tm 0 0 0 1 k (Includes )Tj /TT7 1 Tf 4.7288 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 450.928 312.6937 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 312.6937 Tm 0 .35 .9 0 k (6.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 268.8788 300.6937 Tm 0 0 0 1 k -.005 Tc [(star)-24.4(t-ups and technology de)6.3(v)6.3(elopers )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 414.7004 300.6937 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 282.7178 Tm 0 .349 .902 0 k -.005 Tc [(Other stak)9.8(eholders)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 345.2126 282.7178 Tm 0 0 0 1 k [(Financial cust)9.8(omers and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 449.1536 282.7178 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 282.7178 Tm 0 .35 .9 0 k (7.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 268.8788 270.7178 Tm 0 0 0 1 k -.005 Tc [(tr)19.5(aditional )]TJ /TT7 1 Tf 4.6617 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial institutions, among others )Tj ET EMC /LBody <>BDC BT 9 0 0 9 451.7733 270.7178 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 252.7418 Tm 0 .349 .902 0 k -.005 Tc [(Fintech corpor)14.6(ate go)7.3(v)6.3(ernance structur)9.3(e)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 427.1017 252.7418 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 252.7418 Tm 0 .35 .9 0 k (8.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 268.8788 240.7418 Tm 0 0 0 1 k -.005 Tc [(Suppor)-24.4(ts the objectiv)6.3(es of the )]TJ /TT7 1 Tf 13.3729 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech enterprise )Tj ET EMC /LBody <>BDC BT 9 0 0 9 460.3812 240.7418 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 268.9071 222.7658 Tm 0 .349 .902 0 k -.005 Tc [(Monit)14.6(oring and contr)17.6(ol functions)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 400.0156 222.7658 Tm 0 0 0 1 k [(E)12.7(v)7.3(aluates the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.8854 222.7658 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 222.7658 Tm 0 .35 .9 0 k (9.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT7 1 Tf 9 0 0 9 268.8788 210.7658 Tm 0 0 0 1 k ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprise)39.1()54.7(s)0( per)-7.3(formance and help it)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.6584 210.7658 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 268.8788 198.7658 Tm -.005 Tc [(r)9.3(ealiz)7.8(e its objectiv)6.3(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.9068 198.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 256.1288 174.7658 Tm -.02 Tc [(Go)7.3(v)6.3(ernance of Fintech Inno)7.3(v)7.3(ativ)6.3(e Solutions \(GoFIS\))]TJ ET EMC /P <>BDC BT 9 0 0 9 455.5846 174.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 256.1288 162.7658 Tm -.005 Tc [(This is the le)6.3(v)6.3(el wher)9.3(e go)7.3(v)6.3(ernance is applied t)9.8(o)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.0701 162.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.1288 150.7658 Tm -.005 Tc [(de)6.3(v)6.3(elopment and implementation of the following)]TJ ET EMC /P <>BDC BT 9 0 0 9 452.2739 150.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.1288 138.7658 Tm -.005 Tc [(types of inno)7.3(v)7.3(ativ)6.3(e solutions:)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 370.9049 141.4658 Tm -.0083 Tc (14)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 376.8793 141.7357 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 379.1863 141.4658 Tm (15)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 385.1607 141.4658 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 256.1288 120.7658 Tm 0 .35 .9 0 k -.005 Tc (1. )Tj ET EMC /P <>BDC BT 9 0 0 9 266.0134 120.7658 Tm (New business models)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 353.5811 120.7658 Tm 0 0 0 1 k (A business model is a)Tj ET EMC /P <>BDC BT 9 0 0 9 447.0211 120.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.0038 108.7658 Tm -.005 Tc [(blueprint for pr)9.8(oducing r)9.3(e)6.3(v)6.3(enues at an acceptable)]TJ ET EMC /P <>BDC BT 9 0 0 9 461.4525 108.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.0038 96.7658 Tm -.005 Tc [(cost, including assumptions about how t)9.8(o)0( cr)9.3(eate)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.5302 96.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.0038 84.7658 Tm -.005 Tc [(and captur)9.3(e v)7.3(alue.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 338.3454 87.7357 Tm -.0083 Tc (16)Tj ET EMC /P <>BDC BT 9 0 0 9 344.3201 84.7658 Tm -.005 Tc ( Examples of )Tj /TT7 1 Tf 5.9286 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 424.7333 84.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.0038 72.7658 Tm -.005 Tc [(business models ar)9.3(e:)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 349.9053 75.7357 Tm -.0083 Tc (17)Tj ET EMC /P <>BDC BT 9 0 0 9 355.88 72.7658 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 358.063 72.7658 Tm ( )Tj ET EMC /Figure <>BDC Q .57647 .26275 .023529 0 k /GS1 gs 37.027 653.686 424.247 12.442 re f .10588 .015686 .094118 0 k 38.16 433.778 423.909 217.325 re f 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d 1 i q 1 0 0 1 39.338 652.394 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 183.9749 657.3064 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.7(e).1( 2Fintech Go)8(v)6.1(e).1(rnance Le)6.8(v)6.1(e).5(ls)]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 134.469 451.385 cm 0 0 m 206.6 0 l 234.971 32.906 l 209.01 75.798 l 201.557 76.236 l 173.758 48.438 l 30.67 48.71 l 0 0 l f Q .35686 .16471 .023529 0 k q 1 0 0 1 132.67 448.086 cm 0 0 m 206.6 0 l 239.046 32.445 l 210.81 79.097 l 178.715 47.353 l 29.815 47.353 l 0 0 l f Q .36471 .066667 .33333 0 k q 1 0 0 1 164.245 500.391 cm 0 0 m 144.684 -.392 l 175.727 32.289 l 155.383 64.762 l 125.392 32.579 l 20.514 32.579 l 0 0 l f Q .72549 .12941 .67059 .007843 k q 1 0 0 1 184.759 532.97 cm 0 0 m 104.878 0 l 134.869 32.183 l 127.557 34.125 l 101.765 6.449 l 3.683 4.736 l 0 0 l f Q .007843 .22745 .58039 0 k q 1 0 0 1 233.69 608.463 cm 0 0 m -44.176 -70.544 l 52.834 -70.544 l 0 0 l f Q .015686 .3451 .8902 0 k q 1 0 0 1 233.69 608.463 cm 0 0 m 33.13 32.484 l 82.013 -38.347 l 52.834 -70.544 l 0 0 l f Q BT 6.2917 10.2184 -10.2184 6.2917 129.9094 482.7382 Tm 0 0 0 1 k (F)Tj .4755 .0002 TD (i)Tj .2514 .0002 TD (n)Tj .4919 .0005 TD (t)Tj .3071 .0002 TD -.0005 Tc (ec)Tj .9383 .0003 TD 0 Tc (h)Tj .4919 .0005 TD ( )Tj .2308 .0002 TD (G)Tj .5851 .0001 TD (o)Tj .4903 .0003 TD (v)Tj .4429 .0004 TD -.0005 Tc (er)Tj .8104 -.0001 TD 0 Tc (n)Tj .4919 .0005 TD (a)Tj .4706 .0001 TD (n)Tj .4919 .0005 TD (c)Tj .4598 .0003 TD -.0005 Tc (e )Tj .7093 .0003 TD [(Le)6.7(v)]TJ 1.3932 .0006 TD -.0009 Tc (el)Tj .7295 .0002 TD 0 Tc (s)Tj 12 0 0 12 218.5059 568.7747 Tm 0 0 0 0 k -.0001 Tc (Fintech)Tj -.5039 -1 TD 0 Tc [(Corpor)16.3(ate)]TJ -.3782 -1 TD -.0002 Tc [(Go)8(v)5.6(e)-.4(rnance)]TJ 1.0515 -2.5943 TD -.0001 Tc (GoFIS)Tj -.1462 -3.9687 TD (GoFEN)Tj ET 0 0 0 1 K 6 w q 1 0 0 1 123.623 453.044 cm 0 0 m 99.055 159.22 l S Q EMC endstream endobj 215 0 obj <>/ExtGState<>>> endobj 232 0 obj <> endobj 237 0 obj <> endobj 242 0 obj <> endobj 247 0 obj <> endobj 252 0 obj <> endobj 257 0 obj <> endobj 266 0 obj <> endobj 271 0 obj <> endobj 276 0 obj <> endobj 281 0 obj <> endobj 286 0 obj <> endobj 291 0 obj <> endobj 300 0 obj <> endobj 305 0 obj <> endobj 310 0 obj <> endobj 315 0 obj <> endobj 324 0 obj <> endobj 329 0 obj <> endobj 334 0 obj <> endobj 339 0 obj <> endobj 344 0 obj <> endobj 349 0 obj <> endobj 354 0 obj <> endobj 359 0 obj <> endobj 364 0 obj <> endobj 369 0 obj <> endobj 374 0 obj <> endobj 383 0 obj <> endobj 388 0 obj <> endobj 393 0 obj <> endobj 398 0 obj <> endobj 407 0 obj <> endobj 412 0 obj <> endobj 417 0 obj <> endobj 430 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 164.712 578.396 Tm 0 0 0 1 k -.005 Tc [(P)5.4(a)7.3(yment business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.3502 578.396 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 578.396 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 560.42 Tm 0 0 0 1 k -.005 Tc [(W)15.1(ealth management)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 246.793 560.42 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 560.42 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 542.444 Tm 0 0 0 1 k -.005 Tc [(Cr)9.8(owdfunding)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 220.286 542.444 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 542.444 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 524.468 Tm 0 0 0 1 k -.005 Tc (Lending business)Tj ET EMC /LBody <>BDC BT 9 0 0 9 233.9225 524.468 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 524.468 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 506.4919 Tm 0 0 0 1 k -.005 Tc [(Capital mark)9.8(et)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 222.3274 506.4919 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 506.4919 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 488.516 Tm 0 0 0 1 k -.005 Tc [(Insur)19.5(ance ser)-8.8(vices business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 276.226 488.516 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 488.516 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144.696 470.516 Tm 0 .349 .902 0 k -.005 Tc (2. )Tj ET EMC /P <>BDC BT 9 0 0 9 154.5806 470.516 Tm [(A)23.4(pplications)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 204.4944 470.516 Tm 0 0 0 1 k [(An application is a softwar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.104 470.516 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 458.516 Tm -.005 Tc [(de)6.3(v)6.3(eloped t)9.8(o)0( solv)6.3(e a speci)]TJ /TT7 1 Tf 11.5634 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (c business or)Tj ET EMC /P <>BDC BT 9 0 0 9 316.1912 458.516 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 446.516 Tm -.005 Tc [(technical pr)9.8(oblem. Examples of )]TJ /TT7 1 Tf 14.0545 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 308.1171 446.516 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 434.516 Tm -.005 Tc [(applications ar)9.3(e:)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.6716 434.516 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 164.712 416.54 Tm -.005 Tc [(P)5.4(a)7.3(yP)5.4(al)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 191.8685 416.54 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 416.54 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 398.564 Tm 0 0 0 1 k -.005 Tc [(Google W)16.1(allet)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 219.5643 398.564 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 398.564 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 380.588 Tm 0 0 0 1 k -.005 Tc [(Air)-24.4(tm)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 186.6356 380.588 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 380.588 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 362.612 Tm 0 0 0 1 k -.005 Tc [(V)21.5(enmo)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 192.7747 362.612 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 362.612 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 344.636 Tm 0 0 0 1 k -.005 Tc (Skrill)Tj ET EMC /LBody <>BDC BT 9 0 0 9 183.9407 344.636 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 344.636 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 326.66 Tm 0 0 0 1 k -.005 Tc (Uphold)Tj ET EMC /LBody <>BDC BT 9 0 0 9 192.677 326.66 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 326.66 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144.696 308.66 Tm -.005 Tc (3. )Tj ET EMC /P <>BDC BT 9 0 0 9 154.5806 308.66 Tm [(Pr)17.6(ocesses)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 196.4995 308.66 Tm 0 0 0 1 k [(A pr)9.8(ocess is a )39.1(set of activities)]TJ ET EMC /P <>BDC BT 9 0 0 9 324.099 308.66 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 296.66 Tm -.005 Tc [(designed t)9.8(o)0( accomplish a speci)]TJ /TT7 1 Tf 13.853 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(c objectiv)6.3(e b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 337.9873 296.66 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 284.66 Tm -.005 Tc [(taking one or mor)9.3(e de)]TJ /TT7 1 Tf 9.5781 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned inputs and turning)Tj ET EMC /P <>BDC BT 9 0 0 9 334.0067 284.66 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 272.66 Tm -.005 Tc [(them int)9.8(o de)]TJ /TT7 1 Tf 5.4942 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ned outputs.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 260.8697 275.63 Tm -.0083 Tc (18)Tj ET EMC /P <>BDC BT 9 0 0 9 266.8443 272.66 Tm -.005 Tc [( )19.5(The following ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.9844 272.66 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 260.66 Tm -.005 Tc (some examples of )Tj /TT7 1 Tf 8.3623 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech pr)9.8(ocesses:)]TJ ET EMC /P <>BDC BT 9 0 0 9 302.1085 260.66 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 164.712 242.684 Tm -.005 Tc [(Donation-based cr)9.8(owdfunding)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 283.7231 242.684 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 242.684 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 224.708 Tm 0 0 0 1 k -.005 Tc [(Insur)19.5(ance claims pr)9.8(ocesses)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 275.0361 224.708 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 224.708 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 206.732 Tm 0 0 0 1 k -.005 Tc [(P)5.4(a)7.3(yment pr)9.8(ocesses)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 242.7633 206.732 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 206.732 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.712 188.7559 Tm 0 0 0 1 k -.005 Tc [(Healthcar)9.3(e billing pr)9.8(ocesses)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 276.515 188.7559 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 188.7559 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144.696 164.7559 Tm 0 .349 .902 0 k -.005 Tc (4. )Tj ET EMC /P <>BDC BT 9 0 0 9 154.5806 164.7559 Tm [(Pr)17.6(oducts)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 190.7086 164.7559 Tm 0 0 0 1 k [(A pr)9.8(oduct is a )39.1(solution or component)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.5168 164.7559 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 152.7559 Tm -.005 Tc [(of a solution that is the r)9.3(esult of an initiativ)6.3(e.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 331.8025 155.4558 Tm -.0083 Tc (19)Tj ET EMC /P <>BDC BT 9 0 0 9 337.7769 152.7559 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 154.571 140.7559 Tm -.005 Tc (Some examples of )Tj /TT7 1 Tf 8.4399 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech pr)9.8(oducts ar)9.3(e:)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.6855 140.7559 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 164.712 122.78 Tm -.005 Tc [(Mobile pr)9.8(oducts such as: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 266.1295 122.78 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 153.696 122.78 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 177.1023 110.78 Tm 0 0 0 1 k [(M)14.2(TN Mobile)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.0222 110.78 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 166.696 110.78 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 177.1023 98.78 Tm (Nequi)Tj ET EMC /LBody <>BDC BT 9 0 0 9 200.5471 98.78 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 166.696 98.78 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 177.1023 86.78 Tm [(Da)7.3(viPlata)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 214.97 86.78 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 166.696 86.78 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 177.1023 74.78 Tm (Mpesa)Tj ET EMC /LBody <>BDC BT 9 0 0 9 204.3132 74.78 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 166.696 74.78 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 383.212 686.25 Tm -.005 Tc [(Cr)-8.8(ypt)9.8(ocurr)9.3(ency pr)9.8(oducts such as: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 517.7516 686.25 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 686.25 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 395.6023 674.25 Tm 0 0 0 1 k (Bitcoin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 423.323 674.25 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 385.196 674.25 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 395.6023 662.25 Tm (Litecoin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 427.3308 662.25 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 385.196 662.25 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 395.6023 650.25 Tm [(Ether)9.3(eum)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 433.9622 650.25 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 385.196 650.25 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 395.6023 638.25 Tm (Dai)Tj ET EMC /LBody <>BDC BT 9 0 0 9 408.5837 638.25 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 385.196 638.25 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 395.6023 626.25 Tm [(Moner)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.4167 626.25 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 385.196 626.25 Tm ()Tj ET EMC /P <>BDC BT 9 0 0 9 373.196 608.25 Tm -.005 Tc [(Consequently)52.2(, )]TJ /TT7 1 Tf 6.3836 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech pr)9.8(oducts can be cr)9.3(eated)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.5147 608.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 373.196 596.25 Tm -.005 Tc [(using the following tr)19.5(aditional phases of new)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.6997 596.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 373.196 584.25 Tm -.005 Tc [(pr)9.8(oduct de)6.3(v)6.3(elopment:)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 459.3169 586.95 Tm -.0083 Tc (20)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 465.2914 586.95 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 383.212 566.274 Tm -.005 Tc [(Concept gener)19.5(ation)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.5942 566.274 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 566.274 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 383.212 548.298 Tm 0 0 0 1 k -.005 Tc [(Concept/pr)9.8(oject e)6.3(v)7.3(aluation)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 490.2754 548.298 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 548.298 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 383.212 530.322 Tm 0 0 0 1 k -.005 Tc [(De)6.3(v)6.3(elopment)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 435.3286 530.322 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 530.322 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 383.212 512.3459 Tm 0 0 0 1 k -.005 Tc (Launch)Tj ET EMC /LBody <>BDC BT 9 0 0 9 412.2756 512.3459 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 512.3459 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 363.196 494.346 Tm -.005 Tc (5. )Tj ET EMC /P <>BDC BT 9 0 0 9 373.0806 494.346 Tm [(Ser)-8.8(vices)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 407.6003 494.346 Tm 0 0 0 1 k [(A ser)-8.8(vice is an )24.4(act of helpful)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.6626 494.346 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 373.071 482.346 Tm -.005 Tc [(activity)52.2(.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 405.4572 485.316 Tm -.0083 Tc (21)Tj ET EMC /P <>BDC BT 9 0 0 9 411.4317 482.346 Tm -.005 Tc ( In that sense, )Tj /TT7 1 Tf 6.3209 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech enterprises)Tj ET EMC /P <>BDC BT 9 0 0 9 541.8789 482.346 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 373.071 470.346 Tm -.005 Tc [(pr)9.8(o)7.3(vide ser)-8.8(vices t)9.8(o)0( )]TJ /TT7 1 Tf 8.4918 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial clients, including:)Tj ET EMC /P <>BDC BT 9 0 0 9 553.1004 470.346 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 383.212 452.37 Tm -.005 Tc [(Cr)9.3(edit scoring)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 438.327 452.37 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 452.37 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 383.212 434.394 Tm 0 0 0 1 k -.005 Tc [(Fintech r)9.8(obo-advisor)-8.8(y ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 503.4416 434.394 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 434.394 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 383.212 416.418 Tm 0 0 0 1 k -.005 Tc [(P)6.3(eer-t)9.8(o-peer \(P2P\) tr)19.5(ansf)11.7(er)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 488.9955 416.418 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT10 1 Tf 12 0 0 12 372.196 416.418 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 363.196 392.418 Tm 0 0 0 1 k -.005 Tc [(A)8.3(t)0( the GoFIS le)6.3(v)6.3(el, inno)7.3(v)7.3(ation pla)7.3(ys an impor)-24.4(tant)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.6086 392.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 380.418 Tm -.005 Tc [(r)9.8(ole in gener)19.5(ating r)9.3(e)6.3(v)6.3(enues. In addition, GoFIS)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.2045 380.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 368.418 Tm -.005 Tc [(suppor)-24.4(ts the )]TJ /TT7 1 Tf 5.8017 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprise)39.1()54.7(s)0( implementation of)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.5367 368.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 356.418 Tm -.005 Tc [(str)19.5(ategy)52.2(. As illustr)19.5(ated in )]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 462.4131 356.418 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 3)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 493.2159 356.418 Tm (, GoFIS is the)Tj ET EMC /P <>BDC BT 9 0 0 9 544.5516 356.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 344.418 Tm -.005 Tc (intersection of )Tj /TT7 1 Tf 6.5821 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance and)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.0697 344.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 363.196 332.418 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech inno)7.3(v)7.3(ativ)6.3(e solutions.)]TJ ET EMC /P <>BDC BT 9 0 0 9 473.4346 332.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 308.418 Tm -.005 Tc (As depicted in)Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 419.2556 308.418 Tm 0 Tc ( )Tj /TT8 1 Tf .244 0 TD ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 4)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 452.2548 308.418 Tm [(, ther)9.3(e ar)9.3(e two v)6.3(e)0(r)-24.4(ticals)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.556 308.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 296.418 Tm -.005 Tc [(go)7.3(v)6.3(ernance tr)19.5(acks within a GoFIS method: the)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.2622 296.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 284.418 Tm -.005 Tc [(boar)9.3(d tr)19.5(ack and the senior management tr)19.5(ack.)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.3872 284.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 272.418 Tm -.005 Tc [(Befor)9.3(e discussing these tr)19.5(acks in mor)9.3(e detail, two)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.1974 272.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 260.418 Tm -.005 Tc (additional concepts must be de)Tj /TT7 1 Tf 13.7895 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned:)Tj ET EMC /P <>BDC BT 9 0 0 9 509.0493 260.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 248.418 Tm -.005 Tc [()24.4(accountability)52.2(,)83()0( which is a )9.8(person or gr)9.8(oup who)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.4944 248.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 236.418 Tm -.005 Tc [(has the authority t)9.8(o)0( appr)9.8(o)7.3(v)6.3(e or accept the ex)9.8(ecution)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.9492 236.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 224.418 Tm -.005 Tc [(of an activity)-7.3()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 416.8465 227.118 Tm -.0083 Tc (22)Tj ET EMC /P <>BDC BT 9 0 0 9 422.821 224.418 Tm -.005 Tc [( and r)9.3(esponsibility)52.2(,)83()0( which r)9.3(equir)9.3(es a)]TJ ET EMC /P <>BDC BT 9 0 0 9 568.0595 224.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 212.418 Tm -.005 Tc [()9.8(person who must ensur)9.3(e that activities ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 533.8395 212.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 200.418 Tm -.005 Tc [(completed successfully)52.2(.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 461.0109 203.118 Tm -.0083 Tc (23)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 466.9856 203.118 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 176.418 Tm -.005 Tc [(Boar)9.3(d members ar)9.3(e accountable for the)]TJ ET EMC /P <>BDC BT 9 0 0 9 520.1963 176.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 164.418 Tm -.005 Tc [(de)6.3(v)6.3(elopment and implementation of new business)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.348 164.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 152.418 Tm -.005 Tc [(models or ser)-8.8(vices. Lik)9.8(ewise, assigned pr)9.8(ogr)19.5(am)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.1527 152.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 140.418 Tm -.005 Tc [(managers ar)9.3(e r)9.3(esponsible for the successful)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.8317 140.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 128.418 Tm -.005 Tc [(de)6.3(v)6.3(elopment and implementation of new business)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.348 128.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 116.418 Tm -.005 Tc [(models or ser)-8.8(vices.)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.23 116.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 92.418 Tm -.02 Tc [(In the senior management tr)19.5(ack, selected senior)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.2815 92.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 80.418 Tm -.02 Tc [(managers, such as a chief ex)9.8(ecutiv)6.3(e o)]TJ /TT1 1 Tf 16.1087 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8335 0 TD -.02 Tc (cer \(CEO\),)Tj ET EMC /P <>BDC BT 9 0 0 9 553.7612 80.418 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.196 68.418 Tm -.02 Tc (chief )Tj /TT7 1 Tf 2.3214 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (nancial o)Tj /TT1 1 Tf 3.8381 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8335 0 TD -.02 Tc (cer \(CFO\), chief information o)Tj /TT1 1 Tf 12.485 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8335 0 TD -.02 Tc (cer)Tj ET EMC /P <>BDC BT 9 0 0 9 562.7882 68.418 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC .5 .26 .09 0 k /GS1 gs q 1 0 0 1 144.004 692.722 cm 0 0 m 205.5 .0411 l 205.52 -99.649 l .02 -99.69 l h f* Q EMC /P <>BDC BT /TT17 1 Tf 47 .0094 -.0094 47 151.4127 652.4528 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 .0028 -.0028 14 165.3155 674.4553 Tm 0 0 0 0 k [( GOFIS IS )19.5(THE)]TJ ET EMC /P <>BDC BT 14 .0028 -.0028 14 252.8566 674.4728 Tm ( )Tj ET EMC /P <>BDC BT 14 .0028 -.0028 14 151.4119 656.4525 Tm [(IN)14.2(TERSEC)14.2(TION OF FIN)14.2(TECH)]TJ ET EMC /P <>BDC BT 14 .0028 -.0028 14 327.9022 656.4878 Tm ( )Tj ET EMC /P <>BDC BT 14 .0028 -.0028 14 151.4155 638.4525 Tm [(CORPORA)63(TE GO)10.7(VERN)-8.8(ANCE)]TJ ET EMC /P <>BDC BT 14 .0028 -.0028 14 324.6587 638.4871 Tm ( )Tj ET EMC /P <>BDC BT 14 .0028 -.0028 14 151.4191 620.4525 Tm [(AND FIN)14.2(TECH INNO)10.7(V)36.6(A)63(TIVE)]TJ ET EMC /P <>BDC BT 14 .0028 -.0028 14 322.2903 620.4866 Tm ( )Tj ET EMC /P <>BDC BT 14 .0028 -.0028 14 151.4227 602.4525 Tm [(SOL)26.4(UTIONS. )]TJ ET EMC /P <>BDC BT /TT17 1 Tf 47 .0094 -.0094 47 232.8227 580.4691 Tm 0 .35 .9 0 k ()Tj ET EMC Q endstream endobj 431 0 obj <>/ExtGState<>>> endobj 450 0 obj <> endobj 452 0 obj <> endobj 454 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 36.6245 239.4077 Tm 0 0 0 1 k -.02 Tc [(\(CIO\) or chief oper)19.5(ating o)]TJ /TT1 1 Tf 10.649 0 TD 0 Tc <000b>Tj /TT2 1 Tf .8335 0 TD -.02 Tc [(cer \(COO\), ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 193.2581 239.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 227.4077 Tm -.02 Tc [(accountable for the de)6.3(v)6.3(elopment and implementation)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.4239 227.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 215.4077 Tm -.02 Tc [(of pr)9.8(oducts, pr)9.8(ocesses or applications. Similarly)52.2(,)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.4048 215.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 203.4077 Tm -.02 Tc [(assigned pr)9.8(oject managers ar)9.3(e r)9.3(esponsible for the)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.1875 203.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 191.4077 Tm -.02 Tc [(successful de)6.3(v)6.3(elopment and implementation of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.8674 191.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 179.4077 Tm -.02 Tc [(designated pr)9.8(oducts, pr)9.8(ocesses or applications.)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.3628 179.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 155.4077 Tm -.02 Tc [(After the de)6.3(v)6.3(elopment and implementation of )]TJ /TT7 1 Tf 19.5107 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 238.4664 155.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 143.4077 Tm -.02 Tc [(inno)7.3(v)7.3(ativ)6.3(e solutions, the next phase is the oper)19.5(ation)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.3343 143.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 131.4077 Tm -.02 Tc [(stage. )19.5(This r)9.3(equir)9.3(es the appointment of oper)19.5(ations)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.2731 131.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 119.4077 Tm -.02 Tc [(managers r)9.3(esponsible for the daily running of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.5205 119.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 36.6245 107.4077 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech implemented solutions business \(FISB\),)Tj ET EMC /P <>BDC BT 9 0 0 9 216.2115 107.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 95.4077 Tm -.02 Tc [(including pr)9.8(o)]TJ /TT7 1 Tf 5.4788 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(t and loss. Lik)9.8(ewise, senior managers)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.3382 95.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 83.4077 Tm -.02 Tc [(must be assigned t)9.8(o)0( and made accountable for the)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.0085 83.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.6245 71.4077 Tm -.02 Tc [(da)7.3(y-t)9.8(o-da)7.3(y functions of the FISB.)]TJ ET EMC /P <>BDC BT 9 0 0 9 160.157 71.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 255.1245 239.4077 Tm -.005 Tc [(Go)7.3(v)6.3(ernance of Fintech Enterprise \(GoFEN\))]TJ ET EMC /P <>BDC BT 9 0 0 9 424.2724 239.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 255.1245 227.4077 Tm -.005 Tc [(This is the le)6.3(v)6.3(el wher)9.3(e go)7.3(v)6.3(ernance is applied t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.3525 227.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 255.1245 215.4077 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech enterprise challenges, namely)52.2(, inv)6.3(estment)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.8867 215.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 203.4077 Tm -.005 Tc [(management, cust)9.8(omer management, r)9.3(egulation,)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.2205 203.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 191.4077 Tm -.005 Tc [(technology integr)19.5(ation, security and priv)7.3(acy)52.2(, and risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 460.3721 191.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 179.4077 Tm -.005 Tc (management.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 310.0227 182.1077 Tm -.0083 Tc (24)Tj ET EMC /P <>BDC BT 9 0 0 9 315.9973 179.4077 Tm -.005 Tc [( As illustr)19.5(ated in )]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 381.3593 179.4077 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 5)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 412.1623 179.4077 Tm (, GoFEN is)Tj ET EMC /P <>BDC BT 9 0 0 9 452.5288 179.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 167.4077 Tm -.005 Tc (the intersection of )Tj /TT7 1 Tf 8.2169 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.7262 167.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 155.4077 Tm -.005 Tc (and )Tj /TT7 1 Tf 1.8872 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech enterprise challenges.)Tj ET EMC /P <>BDC BT 9 0 0 9 388.2533 155.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 131.4077 Tm -.005 Tc [(A)8.3(t)0( this le)6.3(v)6.3(el of go)7.3(v)6.3(ernance, the BoD and senior)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.9805 131.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 119.4077 Tm -.005 Tc [(management mak)9.8(e up a GoFEN ex)9.8(ecutiv)6.3(e boar)9.3(d t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.2971 119.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 107.4077 Tm -.005 Tc [(o)7.3(v)6.3(ersee the challenges confr)9.8(onting the )]TJ /TT7 1 Tf 17.2587 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 437.5081 107.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 95.4077 Tm -.005 Tc [(enterprise. Lik)9.8(ewise, six task for)9.3(ces ar)9.3(e established,)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.1549 95.4077 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.1245 83.4077 Tm -.005 Tc [(and two r)9.8(oles ar)9.3(e de)]TJ /TT7 1 Tf 8.8819 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ned in each task for)9.3(ce: head)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.7841 83.4077 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 37.711 451.404 425.042 -302.39 re W n 37.696 451.404 425.057 -302.405 re W n 37.696 451.404 425.057 -195.259 re 453.012 83.408 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 37.711 438.962 424.247 12.442 re f .10588 .015686 .094118 0 k 38.844 256.742 423.909 179.637 re f Q q 1 i 37.696 451.404 425.057 -302.405 re W n 37.696 451.404 425.057 -195.259 re 453.012 83.408 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 40.022 437.67 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 209.2161 442.5823 Tm 0 0 0 0 k -.0001 Tc .0001 Tw [(Figur)9.7(e)0( 4GoFIS )30.2(T)31.3(r)14.7(acks)]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 116.263 316.173 cm 0 0 m 0 -23.991 -5.9736 -43.438 -13.342 -43.438 c -20.711 -43.438 -26.684 -23.991 -26.684 0 c -26.684 23.99 -20.711 43.437 -13.342 43.437 c -5.9736 43.437 0 23.99 0 0 c f Q q 1 0 0 1 102.922 359.61 cm 0 0 m 119.988 -.2519 l 122.091 -86.876 l 0 -86.876 l 0 0 l f Q .29412 .13333 .011765 0 k q 1 0 0 1 237.684 316.173 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.342 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.342 43.437 c -5.973 43.437 0 23.99 0 0 c f Q .015686 .3451 .8902 0 K 2 w q 1 0 0 1 89.691 321.759 cm 0 0 m 121.31 0 l S Q .57647 .26275 .023529 0 k q 1 0 0 1 290.532 316.173 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.341 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.341 43.437 c -5.973 43.437 0 23.99 0 0 c f Q q 1 0 0 1 277.191 359.61 cm 0 0 m 119.988 -.2519 l 122.091 -86.876 l 0 -86.876 l 0 0 l f Q .29412 .13333 .011765 0 k q 1 0 0 1 411.953 316.173 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.341 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.341 43.437 c -5.973 43.437 0 23.99 0 0 c f Q q 1 0 0 1 263.96 321.759 cm 0 0 m 121.31 0 l S Q BT 14 0 0 14 99.3923 344.0131 Tm 0 0 0 0 k -.0003 Tc 0 Tw [(Boar)10(d)]TJ 0 -1 TD -.0316 Tc [(Tr)-16.3(a)-31.4(c)-31.3(k)]TJ 12 0 0 12 273.807 344.0131 Tm -.0001 Tc .0001 Tw (Senior Management)Tj T* -.0322 Tc 0 Tw [(Tr)-16.9(a)-31.9(c)-32.3(k)]TJ /F4 1 Tf 11 0 0 11 276.1201 306.1041 Tm .015686 .3451 .8902 0 k 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD .0003 Tc [(Pr)9.6(oducts)]TJ /F4 1 Tf .015686 .3451 .8902 0 k -.729 -1 TD 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD [(Pr)10(ocesses)]TJ /F4 1 Tf .015686 .3451 .8902 0 k -.729 -1 TD ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD (Applications)Tj /F4 1 Tf .015686 .3451 .8902 0 k -16.7952 2 TD ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD .0001 Tc (New business models)Tj /F4 1 Tf .015686 .3451 .8902 0 k -.729 -1 TD 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD .0001 Tc [(Ser)-8.8(vices)]TJ ET .72549 .12941 .67059 .007843 k q 1 0 0 1 235.675 407.418 cm 0 0 m 14.539 20.396 l 29.708 0 l 14.854 -21.726 l 0 0 l f Q .57647 .26275 .023529 0 K q 1 0 0 1 232.179 363.823 cm 0 0 m 18.35 21.868 l 34.709 1.3936 l S Q .57647 .26275 .023529 0 k q 1 0 0 1 236.937 361.736 cm 0 0 m -9.371 -3.4096 l -7.64 6.4102 l 0 0 l f Q q 1 0 0 1 262.082 363.244 cm 0 0 m 9.286 -3.6338 l 7.791 6.2251 l 0 0 l f Q EMC /Figure <>BDC Q q 1 i 36.654 693 425.042 -232.35 re W n 36.639 693 425.057 -232.35 re W n 36.639 693 425.057 -231.609 re 453.012 83.408 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 36.654 680.558 424.247 12.442 re f .10588 .015686 .094118 0 k 37.787 461.28 423.909 216.695 re f Q q 1 i 36.639 693 425.057 -232.35 re W n 36.639 693 425.057 -231.609 re 453.012 83.408 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 38.965 679.266 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 139.159 684.1782 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.8(e).1( 3Go)7.9(v)6.1(e).1(rnance of Fintech Inno)7.9(v)7.1(a).1(tiv)6.1(e).5( Solutions \(GoFIS\))]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 168.549 569.286 cm 0 0 m 9.865 -9.376 23.547 -15.187 38.673 -15.187 c 55.127 -15.187 69.864 -8.306 79.845 2.556 c 69.98 11.932 56.299 17.743 41.173 17.743 c 24.719 17.743 9.982 10.861 0 0 c f Q 0 0 0 1 K 2 w q 1 0 0 1 316.344 570.064 cm 0 0 m 0 -55.768 -48.744 -100.976 -108.872 -100.976 c -169.001 -100.976 -217.745 -55.768 -217.745 0 c -217.745 55.767 -169.001 100.976 -108.872 100.976 c -48.744 100.976 0 55.767 0 0 c s Q .015686 .3451 .8902 0 K 3.092 w q 1 0 0 1 262.244 605.49 cm 0 0 m 0 -28.301 -24.372 -51.243 -54.436 -51.243 c -84.501 -51.243 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q .72549 .12941 .67059 .007843 K q 1 0 0 1 264.744 535.933 cm 0 0 m 0 -28.301 -24.372 -51.244 -54.436 -51.244 c -84.501 -51.244 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q BT 10 0 0 10 193.686 532.251 Tm 0 0 0 1 k (Fintech)Tj -.5903 -1 TD [(Inno)7.9(v)7.1(a).3(tiv)6.1(e)]TJ .1768 -1 TD (Solutions)Tj 0 0 0 0 k .708 5.3792 TD (GoFIS)Tj 0 0 0 1 k -.2945 6.1008 TD (Fintech)Tj -.5039 -1 TD [(Corpor)16(ate)]TJ -.3781 -1 TD [(Go)7.7(v)6(ernance)]TJ 13.875 4.1282 TD (Fintech Enterprise)Tj ET EMC Q endstream endobj 455 0 obj <>/ExtGState<>>> endobj 478 0 obj <> endobj 483 0 obj <> endobj 488 0 obj <> endobj 493 0 obj <> endobj 498 0 obj <> endobj 503 0 obj <> endobj 508 0 obj <> endobj 513 0 obj <> endobj 518 0 obj <> endobj 523 0 obj <> endobj 528 0 obj <> endobj 533 0 obj <> endobj 538 0 obj <> endobj 543 0 obj <> endobj 544 0 obj <> endobj 546 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (6)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 142 674.0431 Tm 0 0 0 1 k -.005 Tc [(and pr)9.8(ogr)19.5(am manager)60.1(. )19.5(The head is either a boar)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.9391 674.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 662.0431 Tm -.005 Tc [(member or a senior manager)60.1(, and the pr)9.8(ogr)19.5(am)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.058 662.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 650.0431 Tm -.005 Tc [(manager r)9.3(epor)-24.4(ts t)9.8(o)0( the head \()]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 259.5237 650.0431 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 6)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 290.3265 650.0431 Tm [(\). As a r)9.3(esult,)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.4633 650.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 638.0431 Tm -.005 Tc [(the head is accountable, and the pr)9.8(ogr)19.5(am manager)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.5561 638.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 626.0431 Tm -.005 Tc [(is r)9.3(esponsible for tackling the corr)9.3(esponding )]TJ /TT7 1 Tf 19.7344 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 346.6653 626.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 614.0431 Tm -.005 Tc (enterprise challenges.)Tj ET EMC /P <>BDC BT 9 0 0 9 228.9054 614.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 142 588.0431 Tm .722 .129 .671 .012 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 196.7886 588.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 142 570.0431 Tm 0 0 0 1 k -.005 Tc [(Ther)9.3(e ar)9.3(e thr)9.3(ee impor)-24.4(tant )]TJ /TT7 1 Tf 11.4276 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech go)7.3(v)6.3(ernance le)6.3(v)6.3(els)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.8789 570.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 558.0431 Tm -.005 Tc [(t)9.8(o)0( focus on: )]TJ /TT7 1 Tf 5.437 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech corpor)19.5(ate go)7.3(v)6.3(ernance, GoFIS)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.2867 558.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 546.0431 Tm -.005 Tc [(and GoFEN. Within GoFIS, ther)9.3(e ar)9.3(e two v)6.3(e)0(r)-24.4(tical)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.6704 546.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 534.0431 Tm -.005 Tc [(tr)19.5(acks of go)7.3(v)6.3(ernance: the boar)9.3(d tr)19.5(ack and the senior)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.1751 534.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 522.0431 Tm -.005 Tc [(management tr)19.5(ack. Similarly)52.2(, ther)9.3(e ar)9.3(e six)]TJ ET EMC /P <>BDC BT 9 0 0 9 306.3867 522.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 510.0431 Tm -.005 Tc [(go)7.3(v)6.3(ernance task for)9.3(ces that ar)9.3(e a par)-24.4(t of GoFES:)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.1124 510.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 498.0431 Tm -.005 Tc [(inv)6.3(estment management, cust)9.8(omer management,)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.6942 498.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 486.0431 Tm -.005 Tc [(r)9.3(egulation, technology integr)19.5(ation, security and)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.769 486.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 474.0431 Tm -.005 Tc [(priv)7.3(acy)52.2(, and risk management pr)19.5(actices. Fintech)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.7906 474.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 462.0431 Tm -.005 Tc [(or)9.3(ganizations must ha)7.3(v)6.3(e)0( a r)9.8(obust )]TJ /TT7 1 Tf 14.8809 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 302.984 462.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 450.0431 Tm -.005 Tc [(go)7.3(v)6.3(ernance pr)9.8(ogr)19.5(am. E)8.8(f)0(f)11.7(ectiv)6.3(e )]TJ /TT7 1 Tf 13.6596 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech go)7.3(v)6.3(ernance)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.2635 450.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 438.0431 Tm -.005 Tc [(can incr)9.3(ease inv)6.3(est)9.8(ors con)]TJ /TT7 1 Tf 11.8973 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(dence le)6.3(v)6.3(els and can)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.3863 438.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 426.0431 Tm -.005 Tc [(maximiz)7.8(e the gr)9.8(owth of )]TJ /TT7 1 Tf 10.5842 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech or)9.3(ganizations.)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.6443 426.0431 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 142 400.0431 Tm .72 .13 .61 .01 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 187.8053 400.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 159.3636 382.0431 Tm 0 0 0 1 k -.005 Tc [(PricewaterhouseCoopers \(PwC)12.7(\), )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 289.5117 382.0431 Tm [(Redr)19.5(awing the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 344.7858 382.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 147 382.0431 Tm 0 .35 .9 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 159 370.0431 Tm 0 0 0 1 k -.005 Tc [(Lines: FinT)48.3(ech)39.1()54.7(s)0( Gr)9.8(owing In)]TJ /TT15 1 Tf 11.6263 0 TD 0 Tc ()Tj /TT6 1 Tf .5507 0 TD -.005 Tc (uence on Financial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 341.0222 370.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 159 358.0431 Tm -.005 Tc [(Ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 191.8672 358.0431 Tm (, USA, 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 236.623 358.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 159.3636 346.0431 Tm -.005 Tc [(Bar)9.3(cla)7.3(y Simpson, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 229.4651 346.0431 Tm [(FinT)48.3(ech: Gr)9.8(owth V)21.5(ersus)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.1739 346.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 147 346.0431 Tm 0 .35 .9 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 159 334.0431 Tm 0 0 0 1 k -.005 Tc [(Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 205.1717 334.0431 Tm (, UK, 2018)Tj ET EMC /LBody <>BDC BT 9 0 0 9 244.4045 334.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 159.3636 322.0431 Tm -.005 Tc (Ibid.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 175.9697 322.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 147 322.0431 Tm 0 .35 .9 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.8636 674.0431 Tm 0 0 0 1 k -.005 Tc (London Business School, The Fintech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 528.6772 674.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 674.0431 Tm 0 .35 .9 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 662.0431 Tm 0 0 0 1 k -.005 Tc [(Re)6.3(v)7.3(olution,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 425.4221 662.0431 Tm [(London Business School Re)6.3(view)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 550.5 662.0431 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 552.2216 662.0431 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 650.0431 Tm -.005 Tc [(v)7.3(ol. 26, iss. 3, 2015, p. 5053)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 491.5016 650.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.8636 638.0431 Tm -.005 Tc [(Kjaer)60.1(, A. M.; )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 426.0131 638.0431 Tm [(Go)7.3(v)6.3(ernance: K)12.7(e)6.3(y Concepts)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 529.585 638.0431 Tm [(, P)6.3(olity)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 555.5396 638.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 638.0431 Tm 0 .35 .9 0 k (5)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 626.0431 Tm 0 0 0 1 k -.005 Tc [(Pr)9.3(ess, UK, 2004)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.197 626.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.8636 614.0431 Tm -.005 Tc [(Alv)7.3(ar)9.3(ez-Dionisi, L. E.; )58.6(A)0( Fintech Risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 519.6786 614.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 614.0431 Tm 0 .35 .9 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 602.0431 Tm 0 0 0 1 k -.005 Tc [(Assessment Model,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 460.1152 602.0431 Tm [(ISA)5.4(CA)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 484.6884 605.0131 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 488.7885 602.0431 Tm -.005 Tc ( Journal)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 520.1878 602.0431 Tm [(, v)7.3(ol. 3,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.8051 602.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 590.0431 Tm -.005 Tc (2020, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 401.4396 590.0431 Tm [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/ar)9.3(chiv)6.3(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 522.8295 590.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.8636 578.0431 Tm -.005 Tc (Op cit )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 402.6239 578.0431 Tm (PricewaterhouseCoopers)Tj ET EMC /LBody <>BDC BT 9 0 0 9 502.5196 578.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 578.0431 Tm 0 .35 .9 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 377.8636 566.0431 Tm 0 0 0 1 k -.005 Tc (Op cit )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 402.6239 566.0431 Tm [(Bar)9.3(cla)7.3(y Simpson)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 468.8208 566.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 566.0431 Tm 0 .35 .9 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.8636 554.0431 Tm 0 0 0 1 k -.005 Tc [(Hamak)9.8(er)60.1(, S.; Spotlight on Go)7.3(v)6.3(ernance,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 533.1479 554.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 365.5 554.0431 Tm 0 .35 .9 0 k (9)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 377.5 542.0431 Tm 0 0 0 1 k -.005 Tc [(Information Systems Contr)9.8(ol Journal)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 520.2464 542.0431 Tm [(, v)7.3(ol. 1,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.8635 542.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 530.0431 Tm -.005 Tc (2003, p. 1519)Tj ET EMC /LBody <>BDC BT 9 0 0 9 436.8467 530.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 378.0273 518.0431 Tm -.005 Tc [(F)10.2(ombrun, C. J.; Corpor)19.5(ate Go)7.3(v)6.3(ernance,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 535.0649 518.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 360.5 518.0431 Tm 0 .35 .9 0 k (10)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 377.5 506.0431 Tm 0 0 0 1 k -.005 Tc [(Corpor)19.5(ate Reputation Re)6.3(view)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 489.8402 506.0431 Tm [(, v)7.3(ol. 8, iss. 4, 2006,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.1474 506.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 494.0431 Tm -.005 Tc (p. 267271)Tj ET EMC /LBody <>BDC BT 9 0 0 9 422.9247 494.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 378.0273 482.0431 Tm -.005 Tc [(Deane, S.; Corpor)19.5(ate Go)7.3(v)6.3(ernance: F)12.7(r)9.8(om)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 535.4175 482.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 360.5 482.0431 Tm 0 .35 .9 0 k (11)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 470.0431 Tm 0 0 0 1 k -.005 Tc [(Compliance Obligation t)9.8(o)0( Business Imper)19.5(ativ)6.3(e,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 563.4861 470.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 377.5 458.0431 Tm -.005 Tc [(The Corpor)19.5(ate Go)7.3(v)6.3(ernance Advisor)60.1(,)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 513.837 458.0431 Tm [( v)7.3(ol. 14, no.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 558.2567 458.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 446.0431 Tm -.005 Tc (4, 2006, p. 1320)Tj ET EMC /LBody <>BDC BT 9 0 0 9 445.7603 446.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 378.0273 434.0431 Tm -.005 Tc [(Or)9.3(ganisation for E)9.3(conomic Co-oper)19.5(ation and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 553.4617 434.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 360.5 434.0431 Tm 0 .35 .9 0 k (12)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 422.0431 Tm 0 0 0 1 k -.005 Tc [(De)6.3(v)6.3(elopment \(OECD\), )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 464.7019 422.0431 Tm (OECD Principles of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 537.6149 422.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 410.0431 Tm -.005 Tc [(Corpor)19.5(ate Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 464.3196 410.0431 Tm [(, F)12.7(r)19.5(ance, 2004)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 518.9644 410.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 378.0273 398.0431 Tm -.005 Tc (Ibid.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 394.6334 398.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 360.5 398.0431 Tm 0 .35 .9 0 k (13)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 378.0273 386.0431 Tm 0 0 0 1 k -.005 Tc [(Schindler)60.1(, J.; FinT)48.3(ech and Financial Inno)7.3(v)7.3(ation:)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.2693 386.0431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 360.5 386.0431 Tm 0 .35 .9 0 k (14)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 377.5 374.0431 Tm 0 0 0 1 k -.005 Tc [(Driv)6.3(ers and Depth,)83( Finance and E)9.3(conomics)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 548.2686 374.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 362.0431 Tm -.005 Tc [(Discussion Series 2017-081, Boar)9.3(d of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 525.053 362.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 350.0431 Tm -.005 Tc [(Go)7.3(v)6.3(ernors of the F)10.2(eder)19.5(al Reser)-8.8(v)6.3(e)0( System, USA,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.6345 350.0431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 377.5 338.0431 Tm -.005 Tc (2017, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 401.4396 338.0431 Tm [(https:/)109.4(/doi.or)9.3(g/10.17016/FEDS.2017.081)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 560.1526 338.0431 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 142.011 309.449 425.042 -232.35 re W n 141.996 309.449 425.057 -232.35 re W n 144 309.449 422.053 -230.449 re 562.359 338.043 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 143.88 297.007 422.378 12.442 re f .10588 .015686 .094118 0 k 143.88 78.96 422.4 215.464 re f Q q 1 i 141.996 309.449 425.057 -232.35 re W n 144 309.449 422.053 -230.449 re 562.359 338.043 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 144.322 295.715 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 261.3878 300.6273 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.8(e).1( 5Go)7.9(v)6.1(e).1(rnance of Fintech Enterprise \(GoFEN\))]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 273.906 185.735 cm 0 0 m 9.865 -9.376 23.547 -15.187 38.673 -15.187 c 55.127 -15.187 69.864 -8.306 79.845 2.556 c 69.98 11.932 56.299 17.743 41.173 17.743 c 24.719 17.743 9.982 10.861 0 0 c f Q 0 0 0 1 K 2 w q 1 0 0 1 421.701 186.513 cm 0 0 m 0 -55.768 -48.744 -100.976 -108.872 -100.976 c -169.001 -100.976 -217.745 -55.768 -217.745 0 c -217.745 55.767 -169.001 100.976 -108.872 100.976 c -48.744 100.976 0 55.767 0 0 c s Q .015686 .3451 .8902 0 K 3.092 w q 1 0 0 1 367.601 221.939 cm 0 0 m 0 -28.301 -24.372 -51.243 -54.436 -51.243 c -84.501 -51.243 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q .72549 .12941 .67059 .007843 K q 1 0 0 1 370.101 152.382 cm 0 0 m 0 -28.301 -24.372 -51.244 -54.436 -51.244 c -84.501 -51.244 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q BT 10 0 0 10 299.0428 148.7001 Tm 0 0 0 1 k (Fintech)Tj -.5769 -1 TD (Enterprise)Tj -.166 -1 TD (Challenges)Tj 0 0 0 0 k .8911 5.3792 TD (GoFEN)Tj 0 0 0 1 k -.1482 6.1008 TD (Fintech)Tj -.5039 -1 TD [(Corpor)16(ate)]TJ -.3781 -1 TD [(Go)7.7(v)6(ernance)]TJ 13.875 4.1282 TD (Fintech Enterprise)Tj ET EMC Q endstream endobj 547 0 obj <>/ExtGState<>>> endobj 561 0 obj <> endobj 566 0 obj <> endobj 571 0 obj <> endobj 576 0 obj <> endobj 581 0 obj <> endobj 586 0 obj <> endobj 591 0 obj <> endobj 596 0 obj <> endobj 601 0 obj <> endobj 606 0 obj <> endobj 607 0 obj <> endobj 609 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 52.5271 461.4575 Tm 0 0 0 1 k -.005 Tc [(Financial Stability Boar)9.3(d \(FSB\), )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 175.4475 461.4575 Tm [(FinT)48.3(ech and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 222.6203 461.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 35 461.4575 Tm 0 .35 .9 0 k (15)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 52 449.4575 Tm 0 0 0 1 k -.005 Tc [(Mark)9.8(et Structur)9.3(e in Financial Ser)-8.8(vices: Mark)9.8(et)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 229.3683 449.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52 437.4575 Tm -.005 Tc [(De)6.3(v)6.3(elopments and P)6.3(otential Financial Stability)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 231.0777 437.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52 425.4575 Tm -.005 Tc (Implications)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 99.7341 425.4575 Tm [(, Switz)7.8(erland, 2019)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 173.6348 425.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52.5271 413.4575 Tm -.005 Tc [(Br)19.5(andenbur)9.3(ger)60.1(, A.; S. Harborne Stuar)-24.4(t; V)22.5(alue-)]TJ ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 35 413.4575 Tm 0 .35 .9 0 k 0 Tc (16)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 52 401.4575 Tm 0 0 0 1 k -.005 Tc [(Based Business Str)19.5(ategy)52.2(,)83()0( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 155.7235 401.4575 Tm [(Journal of E)9.3(conomics)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 240.3459 401.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52 389.4575 Tm -.005 Tc [(and Management Str)19.5(ategy)52.2(,)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 155.5015 389.4575 Tm [( v)7.3(ol. 5, 1996, p. 525)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.9181 389.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52.5271 377.4575 Tm -.005 Tc [(Lee, I.; Y)103(.)0( J. Shin; Fintech: E)9.3(cosystem, Business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.3132 377.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 35 377.4575 Tm 0 .35 .9 0 k (17)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 52 365.4575 Tm 0 0 0 1 k -.005 Tc [(Models, Inv)6.3(estment Decisions, and Challenges,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.2296 365.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 52 353.4575 Tm -.005 Tc [(Business Horiz)7.8(ons)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 124.2769 353.4575 Tm [(, K)12.7(elle)6.3(y School of Business,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 231.215 353.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52 341.4575 Tm -.005 Tc [(Indiana Univ)6.3(ersity)52.2(, USA, v)7.3(ol. 61, 2018, p. 3546)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.4746 341.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52.5271 329.4575 Tm -.005 Tc (International Institute of Business Analysis)Tj ET EMC /LBody <>BDC BT 9 0 0 9 220.8799 329.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 35 329.4575 Tm 0 .35 .9 0 k (18)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 52 317.4575 Tm 0 0 0 1 k -.005 Tc (\(IIBA\), )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 78.2094 317.4575 Tm [(Business Analysis Body of K)11.2(nowledge)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 225.1482 317.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 52 305.4575 Tm -.005 Tc (\(BABOK\))Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 86.0546 305.4575 Tm (, Canada, 2015)Tj ET EMC /LBody <>BDC BT 9 0 0 9 144.215 305.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 271.027 461.4575 Tm -.005 Tc (Ibid.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 287.6333 461.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 461.4575 Tm 0 .35 .9 0 k (19)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 271.027 449.4575 Tm 0 0 0 1 k -.005 Tc [(Cr)19.5(awfor)9.3(d, M.; A. Di Benedett)9.8(o; )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 390.4515 449.4575 Tm [(New Pr)9.8(oducts)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 445.0147 449.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 449.4575 Tm 0 .35 .9 0 k (20)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 270.5 437.4575 Tm 0 0 0 1 k -.005 Tc (Management)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 321.8924 437.4575 Tm [(, McGr)19.5(aw-Hill E)9.3(ducation, USA,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 438.1944 437.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 270.5 425.4575 Tm -.005 Tc (2014)Tj ET EMC /LBody <>BDC BT 9 0 0 9 290.5349 425.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.027 413.4575 Tm -.005 Tc [(Dictionar)-8.8(y)52.2(.com, Ser)-8.8(vices,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 377.2271 413.4575 Tm [(https:/)109.4(/www)60.5(.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.8905 413.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 413.4575 Tm 0 .35 .9 0 k (21)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 270.5 401.4575 Tm 0 0 0 1 k -.005 Tc [(dictionar)-8.8(y)52.2(.com/br)9.8(owse/ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 395.6075 401.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 271.027 389.4575 Tm -.005 Tc [(ISA)5.4(CA)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 296.1411 392.4275 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 300.3412 389.4575 Tm -.005 Tc (, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 304.2459 389.4575 Tm [(COBI)14.2(T)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 328.8149 392.4275 Tm -.0083 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 334.1935 389.4575 Tm -.005 Tc [(2019 F)12.7(r)19.5(amework: Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 449.8352 389.4575 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 389.4575 Tm 0 .35 .9 0 k (22)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 270.5 377.4575 Tm 0 0 0 1 k -.005 Tc [(and Management Objectiv)6.3(es)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 381.1328 377.4575 Tm (, USA, 2018,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 427.61 377.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 270.5 365.4575 Tm -.005 Tc [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/r)9.3(esour)9.3(ces/cobit)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 420.8381 365.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.027 353.4575 Tm -.005 Tc (Ibid.)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 287.6333 353.4575 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 289.8163 353.4575 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 353.4575 Tm 0 .35 .9 0 k (23)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 271.027 341.4575 Tm 0 0 0 1 k -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 293.6263 341.4575 Tm ( Lee, Shin)Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.5 341.4575 Tm 0 .35 .9 0 k 0 Tc (24)Tj ET EMC /Figure <>BDC Q q 1 i 34.011 680.785 425.042 -204.63 re W n 33.996 680.793 425.057 -204.638 re W n 36 680.793 423.053 -202.735 re 263.827 341.457 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 35.88 668.351 422.378 12.434 re f .10588 .015686 .094118 0 k 35.88 477.84 423.173 187.928 re f Q q 1 i 33.996 680.793 425.057 -204.638 re W n 36 680.793 423.053 -202.735 re 263.827 341.457 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 36.322 667.059 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 194.8348 671.9713 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.8(e).1( 6GoFEN )30(T)81.8(a).2(sk F)11.1(o).6(r)9.5(c)0(es)]TJ ET .57647 .26275 .023529 0 K .76 w q 1 0 0 1 75.778 570.282 cm 0 0 m 0 -52.923 l S 1 0 0 1 68.238 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 67.305 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 69.785 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 67.49 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 69.1 0 cm 0 0 m 0 -52.923 l S Q .57647 .26275 .023529 0 k 59.256 607.72 372.999 45.527 re f 0 0 0 0 k 43.117 529.839 64.707 33.279 re f 1 w 107.824 529.839 -64.707 33.279 re S 111.662 529.839 64.707 33.279 re f 176.369 529.839 -64.707 33.279 re S 180.207 529.839 64.707 33.279 re f 244.914 529.839 -64.707 33.279 re S 248.752 529.839 64.707 33.279 re f 313.459 529.839 -64.707 33.279 re S 317.298 529.839 64.706 33.279 re f 382.004 529.839 -64.706 33.279 re S 385.843 529.839 64.706 33.279 re f 450.549 529.839 -64.706 33.279 re S 43.117 486.161 64.707 33.278 re f 107.824 486.161 -64.707 33.278 re S 111.662 486.161 64.707 33.278 re f 176.369 486.161 -64.707 33.278 re S 180.207 486.161 64.707 33.278 re f 244.914 486.161 -64.707 33.278 re S 248.752 486.161 64.707 33.278 re f 313.459 486.161 -64.707 33.278 re S 317.298 486.161 64.706 33.278 re f 382.004 486.161 -64.706 33.278 re S 385.843 486.161 64.706 33.278 re f 450.549 486.161 -64.706 33.278 re S .302 w q 1 0 0 1 75.777 608.645 cm 0 0 m 0 -8.3194 l S 1 0 0 1 68.239 0 cm 0 0 m 0 -8.3194 l S 1 0 0 1 67.305 0 cm 0 0 m 0 -8.3194 l S 1 0 0 1 69.785 0 cm 0 0 m 0 -8.3194 l S 1 0 0 1 67.49 0 cm 0 0 m 0 -8.3194 l S 1 0 0 1 69.1 0 cm 0 0 m 0 -8.3194 l S Q BT 14 0 0 14 181.5779 625.2843 Tm [(GoFEN Ex)10.9(ecutiv)6(e Boar)10.3(d)]TJ /F3 1 Tf 9 0 0 9 56.2971 590.7755 Tm 0 0 0 1 k .0002 Tc [(Inv)7.1(e).4(stment)]TJ -.3919 -1 TD (Management)Tj .4407 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ 1.1067 -3.3097 TD -.0001 Tc 0 Tw (Head)Tj -.648 -4.2977 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0515 -1 TD .0002 Tc (Manager)Tj 7.5767 1 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0515 -1 TD .0002 Tc (Manager)Tj 7.6452 1 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0515 -1 TD .0002 Tc (Manager)Tj 7.648 1 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0516 -1 TD .0002 Tc (Manager)Tj 7.4938 1 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0516 -1 TD .0002 Tc (Manager)Tj 7.8222 1 TD .0003 Tc [(Pr)9.5(ogr)19.2(a).4(m)]TJ -.0515 -1 TD .0002 Tc (Manager)Tj -29.7037 5.2977 TD -.0001 Tc [(Head)-5530.4(Head)-5533.2(Head)-5614.4(Head)-5471.9(Head)]TJ -.8775 5.3096 TD [(Cust)8.8(omer)]TJ -.6699 -1 TD .0002 Tc (Management)Tj .4407 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ 7.6355 1.5001 TD .0001 Tc 0 Tw (Regulation)Tj -.0418 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ 7.4792 1.4999 TD .0002 Tc 0 Tw [(T)48.8(echnology)]TJ .1236 -1 TD [(Integr)18.9(ation)]TJ -.0063 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ 7.1482 2 TD .0001 Tc -.0002 Tw (Security and)Tj .9998 -1 TD .0002 Tc 0 Tw [(Priv)7.5(a).3(cy)]TJ -.7058 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ 6.3824 2 TD .0001 Tc -.0002 Tw (Risk Management)Tj 1.6817 -1 TD .0002 Tc 0 Tw [(Pr)19.2(actices)]TJ -.2934 -1 TD -.0554 Tc .0553 Tw [(Ta)-55.4(s)-54.7(k)-55.4( F)-45.7(o)-55.8(r)-45.8(c)-55.7(e)]TJ ET EMC Q endstream endobj 610 0 obj <>/ExtGState<>>> endobj 6 0 obj <> endobj 5 0 obj <> endobj 132 0 obj <>stream AdobedC         #"""#'''''''''' " s!1AQa"q2B#R3b$r%C4Scs5D'6Tdt& EFVU(eufv7GWgw8HXhx)9IYiy*:JZjz?f͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6l endstream endobj 133 0 obj <>stream Adobed         #"""#''''''''''     !! !!''''''''''""  s!1AQa"q2B#R3b$r%C4Scs5D'6Tdt& EFVU(eufv7GWgw8HXhx)9IYiy*:JZjzm!1AQa"q2#BRbr3$4CS%cs5DT &6E'dtU7()󄔤euFVfvGWgw8HXhx9IYiy*:JZjz?LpWqP-Xl1fŃ  8';2UyA.R?eI(>'cE?zxʦ47_术7_朲ZW4[/,Cx^A`f_Տ_9Uoxr՟/i%~C+}~??o1?Fb!~r_朏_~J|#73}]ߏF6S 2dWzxx͙e*g~% ,,rCD@M}&{[L1i<9e"="DE4JRCbw],% ; 2kV l~dLE2;VT+W*t9`NJ$L'1^@rYjb&Lai{ZA|,e ,Y_2 qI`*LA:F,\ߡfoEqUQ*~|uT8xlОb<2r%D{-쬳,\ {(1FI7c@ ({` 2ǎDKe e,tҔê> 8&b9r1[8@ጄ[ub6ZR#0HEU :6Eԧ"e9:r1|ӂDx@({bx31adS89x9ar w%N0@r+\<1@;[/< `_F,m4FA#;Swa0aɎPAGx,SOOC{M5bORU<%Qه=F[>!7IW&h3 k<Ovww(A)+FǸ!0 K&'oV,ɔ!,k\SrKUbq8YNYu,)^lAg?іS- T?5S^sc"EW :"jeztΐ8!kjkblxAUTfF,Q)D xŐcqųE-\QEN5F(1(1_ `3 FX:1aʅ-N_L͙Hi$GLC-[ 9r2#S| d5E|aL('/PAؠl WdC&VV`p|1Źe \C,UnY`@✲b3rJ,ؖ]qnY|G+>"e/># R0sTƆUgNjQ9,o3^*;8!S02q@NLdUppq<`ulY[.J b+}ت(|SS)lzL⫛6lcU]{UE?1EJ+6l* lmˡf͐;3Ԉb8ölٳcjn>ٳf͍|1LTL`ۢV , ( eS+ja>y|1nef˦jcE*4tǍOŀOETrk+q4A՜L*ׁɗ6~ !GӚ}wjDi.CdwDovT$ <ޚOE_z J[^r ~{/m!0E)=Eq0c6ZLPÆᰈ^Rvc`S<cȠMܓg‹WשE't܁4HGgm<$1@9j`y鎑 q~9I1;5 : ѧtRcuÕiƁEUQ@ǃLv^.ب~p:\S%iKǃL隘%$8I\2ؠ8 1֘ETHs/9eGQ]`O4(t#/u/;"+81QTFTQޕjc㚣Uq<|Mq0UZN1%U+zˡW3CS.$*\Uq%޸q $UO 1Tsf͙WG.Rf͒5܉V56?~<7lٳbhQay}|Q5͛6lɕf3f͛z8NXPr)6l@ޓܫ*"Ƿlٳbcٳf*q\>:Gݔ@Zsgv$c,XJ qxVZq?3-,uŲƨÉP+9oQPJSqplmkc1=w a_Ը <ػ$o~)'qH` j0D?dFxDْOo+\EnmU8OiG%.r oJ7ˣG4 ᥼¬YUZ`)^Qͧ@I%:F#\[1e<(#/y! 4CB1$?$61Ë`yߊx꒼LYk~E^]":nvo9c.yK$g8&Vx}5uu}SiǯBfQ㡷 u=I= TbCSӘ#"(g#PP:ܾ1-kEN5YWĨz biA, qA}IR'ͩɭ͌aJ"Ir2'@#z ն!ޤƬ>|F8IjscPfȠĘ툶6: {߯FO!)SOцUP)0L0EE3ͮ0JF=}DQ#IrK:+JHXՃ 5aR:c< My@(GqٗX6{`1Ũ RX[LCcMFfeDFL'SYC'jO5`ulQ?SLwSp,EW̿'SLv?w_pd`Iu/XԢD5 wl9J` %9.lRǏ>\d׫R1\ #M})]`WZ]<Ʋ8>8^sY=//F\xcs2?D6x2trp@AdžX?$QOt:maYgIw հDRo7zZTSu)8 H nA9LD2ms\͎KȎ=qPpM\ŕr yq58/ UYEr!i8#X0JcC,OF% #@1v]i`K /PVQ=ԙæœ@9R1r& r)^Ta 5VGȝo51lFbCq 6N%Y5"?xs,REM $qJug7=8)L<4"zzZV{!G4 ?~-9Pi1X#j|7(C#eK PcYvΓ;8T{0bK4av# ̺C#f5/fG7R|sS#տ|#ћվ|#цbHx`a&K/K d7bk{[SF7F C Wvd ,IR9`Q~һ'""4RѸ*zEt'nS[P+O[dp.SYK,3m LDۡQ`7i_.a*P]#ڸkV0=&d-k!=Yo}F(2b,ӥN'0@Q.8 1Kb2(4 QG|up Qqٳfz1:eW6liVszkYxTUb, >Yf̈́Aǃ 3f͛%`cYmC pc6lٱ)@^G8=qE+i)w?3=Z<#8} h_*Jؚ1x3UR0F<({m#(tWF|UiQ9Us n+oTUmF,h(NZ1 ie>f>|)s`hǭ)Ve4?_ U c< ht8#Pc,bX(l+9F)McH޹ff&xbyFIlblqČabrijFѵ@au#Z ^($#iq[0TegB$X @a{VБn4IկOውk9 KOL?c\Lr u%PF$SZl*B= Y9uģO˚>&a=kjc3ܻC¢vQZ}XZF#K7c4<ڇvo'&?ʾ ;`(C)O p 3?zrR hGK+x0{ԭ])vo0zQƘ eL^BkA dqc^q?C \he#cA}yHB1tc,6\낉|l"ޘ/Q'_dp|i@6TxP^TgwSzp|hTqŕi)!LF(8-Gለ;F,.)F7YaV* rH10830tPUF& S`%@pz`LPyEv8RVn`9ٺA/eg_$ ֜e`XxAjpl16ltCt-T6*Zlp q Lot{[ L`Pb'PF;զmE1Ai $+㽟d%',`Q!rs'Gf 8N'>8"9EzU86\Ύ]L-@q*Y@ȨU :zRHkzt7G1M_z0Dt%eif"@=bTMܓ dwk??_h.3-? ZbfRya̕@)fSt5FuƲ/S(8)Ƙ 1Prޫ)8W]T kcLޕ:d|2Mfq_ ֘>imj]Wx=/B13ZfJ2,c!B‹FFU%Y_=6 #rGB8!Mh>rhd5_I>k\㩎dguyǼV&ígWUejT'L[kpmNѵd~}{a-Qˮ$8Y#Ն<p:(1()\U_1Uq; * eAS_l뉒'62\r 7,uȂm-,cfZz6UsWVH#fˮln;mH_ջ#O ٳf…JfX>9f͒p46#Slٳa SkCIq`1EƁpԼ,uю1(:dQ(`V1èQ(.ƊcTvL=y}??kGTp)ȈcKu'MIIjOaکۊ41>< tx#sHW@əG(14Z Teǁ;e A0',cbW io%j>vzW"77z3KkKvv״Y4x|&r~Gg ,X˂ԝI3~F0 Ĩʈر-o-x3]}u]3Ek{RYic_SF28L꫗aE? a {^,*~]WX.% ֕U4̍: c~Thb2:V|7jc8 '5w12aU"ߒsVg쟣.8nb#!iGiGO,r$ 9}C]Y" EA، (LM>^4 :IUzc*qBȫ$g8 w /lωl#{ (=U0` ?<&RQ1W<#|A%8RHF‹&Y%dk_M<p޸p3G&}F=FLqa"7CO T DI=+`q)ʘ0"r1z2ȴrcL{o2~<ѢIeMָU9FAwXQsD@YZiE%aS5sp!uBC_'ц15x1V $y9N_#RͰmWqxƷ Fs#Ҹ-@qQ(: X*lע*RP06,u;IREh|i킖̠TBL3ˤˏ9Jf9DP `+h*`щ́|"Kq$BF%6/Դ +oՁBe?ecDh g˓\x2Qq ;x(wBFXCzƖ?˻>ˊm| 4pƼCӀN^@U: kX-u"".'.L *X>F8f(g$3daĚ?&$t ccH>"wbb PO`|^;j(~ ڕyp*޽q Ȣ(Zb$`Ƌhe I=GLKt5k EX,F4>V.b8L0OۯL 1Jlka֔;*2s}тFF~ JX18!\h3c"6ClAA$%ʒvؘfA4 c7')Z2Hbm#|*@Y5G|F0k0 eAGc\J/˞t璼#O@ܝ(Av/[{" x5榿3NWc߈D#T-G#k(F裠O`>y`Zu/a~8m$1vg==|#U͆M7Q䞲IܞkYT!)?=mhb1%1~Pauk`̫tS|)m]^Hܞ*jȟ)y'Mi3! N~MyxpޚP\#VAjaF=6:&~@jW ʑ-C"K+"GPFN/oad‘!H#)r}&/; ==NU՛*ի"ʷkV"77Ӯe5YmY`R9#Yvñ;ghi\NQ<((=zF\A+0iW`JSo75>Lo(gqnXwoqH[Kl砑z>nP 2,))GP6`.袟|j 4FIy>ȂvY{h%ch8XazVq$DTxet5]=NA|l>r/`&vJԚaդ\T~ep# px|mezw`,eœV#~57p 5{jEa5ʵ^br#E (

)& v0M=0Mo0r=Q5^h{`G|`s$@?dNj'6ݿuf_oALvYjW3,0K#ԁ$iP;a%aȿ6XuHeQ  wNHS JUF4GRnƩj#W|rR?o寇3?6LF}+[ۂ#ŀs,n(Yv.V1$#/Uon;?7@ļȿ[?q"ژb9S$rDwpon8\1unx! q)[]>Y[%@9O&s ˹nY>}qFZ;mZr+}rCd76MpȟW<"aXF7ՏRN=3NҰ#OQZ' qEtʦ_|PfU\beA\;2pvмDQVbhgjZn/8DD .d@$@X{wY5}=cE\Vb/ m%/4m#sr8e7v¼i%3,+H(;IYLkʕgL\SH)Y#OWr_uFrZ-Aǐo i^F4*Nŭ,^͝V) ^H?ҔmT?ʕocoBӒ VzQjs.x~7Nϊ5+)ʻd+;iN_*W˹wOXؑZ}+<̕9Ҧ1p4 )DzqGw߫RTOd{>K4g1. H aG81rZIlYTd2IȥA@풻)P/ȃ&Wvڙ ؀!F<50xaNA% GPz_u;LHN=XQ"Q"@1;}F0).~'<Oݖ5B?D؎/Nyz?/,j En^jǍK`CjˇkiK/O@1] !5V8jo,/nnC U4xo?Oݑ3yM0Gil<)QT6j=1*a"}F{Eٚk,$QJ˫wE2IiW'Ul'&J%*V07ǯ ЎH*16g G]ދ ҿCo o-vlBČٳf̈́GU=1+#lٳeWt{fq :f2mopXxh-Ze[~`Dy%q#\aj /."9J!!* 10l$~(%_7C @)^q_\NsǣGQPO?'bTxe>ptx%Ep4d`gQA(8qqXe~Lbq1=T611 NwImy,JNI\][}Y]fQ )r@Rմc}NzhS⧱93k>\c|ѕK{k+[i֔1;K ; mXl{mO#D'f{N{qaJ5w0ZFڲ.ōc'(G݅z]ܥ"JCPGÜnpaHHqysDܶ*g6&pmܤiM&]c3Hs_M7<œh=iFtm~1[Dm\gܚn%IK[ˈMj;MIØɍ8}o0q7ǬTŔc4+9}v=5F;nR%rHSsk5'fA=nԪйNBq wqI]Ĝ u(uЇ|GޘT[XD|Vw=Y՘^_u98f)Մ3[ݻ$SXFkSԟz ,ؽ nuW|^t9i@\Y0+ɍw'Sc @?k#: ]XڱQԅŲ&cXX"=\{S~&Qrʱ&5-7,m o?.w_ Zeb7Ɇ=6aR._9Џs|AukU;bXg$+" {%?bJ{7/8$g],~ pr#gfN zvmϾA%@u'jrW目 [8\N4,}ôuQwdžϞ<_(k"\->p ?邮'eQ_JxG{iEFQA^ࢃ@2>)!` LYژr_ ҽF'0;aB1&#kK{?lAiI _ , Xh`_(=/`m#h)'o^\"$ioN!-]PN.mV`a=}F5-Ho<1>j<1+Fu=;Pl䴶19$ 8a-ªũ$9G8]쁣K>"Mb 7Ab3[JҪE{ѹբj3O䌜#Pƺr,Du!NZwI-) }h@&d~aЮm6:vx?>jG6P#cuBۋL2Hʾj"#p:ޚVX szm~5LukqCջsac>v[0"9lhFQyw1,thdp9УA$fpMOܾwBtJIzSJ=0|9(2 S,&ɤGe!&xiȡo;FTR=)^xf vE i"C%퀯 {KfS$_;b?<n?1-/NPxש#cjWlxW?=0H ,q^5<h=fjsL2")Hb tV5;Sg;WJYsrp0ر9$%Eqoi-*aluqٙ3cg/*WB< )e {7QQⰭF.a|poLQ Χ]~˾Xu1@3#9a إ#|]241 Gh;D|T TLޭ$zHti0wo˜rȜw`6x`ͯdj< @HJDrt式mf!#pL [۶䍲R~.zV;\)t8;C{`'q# /|î]A 6PB|Ԅ຿\I n Nhpp݃C. hZc `cSs`cK|]& 8b;D*QO|]6(@8WC"zzpd{%( 4L+봱a/1DBq!Ll6]8+$5f M+3ed$c_ WlEaL C m0xdž$Vk H© )XMk5% `y;`YI 7ZbM*Pq>fS\֘#\PUpb*- 12fTBQfc'ϨLIsA v3^M}f7s!Inկ27{VgY'$GY/Ǚ*M8U$($եvQzc쏧1my_mAm3|)A&Ǿ";`qLe7ocuS14\LFRٮW5rS'87"aiq8r@l iB_?|8T>8KfFBLx| ッ,%~غ>_ (Ւ8XfƆˬID F$ LU͍+dž';rfl @|p|R:[gf 6Sxi,'F&fBvPOTI}\mr낀fd ,c8я\lXҸqpQi1ٹV-(1ulxVZx?=YiW$,?yO~9 d9GS;>b/`)Ld.Pٖ[}{ A+W::>Imq(`F(e5=XP8=pL,.l#I `/P8=UVu%e@>nX%q7zNeš֧ f4'@DY-\jZ#\ܰ)@'lP?i>닆9FgS;">s)|>Gr.>=N N,:o,cYE6Fa0J0($D%׾1h'.cK`LjSWSnq]zwC{w" zUޞlxȒ "R5H=)C}wN\qu!Gȫ^>A,#D EdH|׫m:8<@xfSvxd egK4W!T6ݑI(ذNS3) -H›%]kWXSOSZSa冣xg#ִ+L}d}I?0fyk47]2reqT6N"$dijw@rWfX^QODOcN+Gɴw#^a {iF2S0U`- &惮 c[5%L%̩k~8Z©F5Yb=RE<]p ֺ.?#,cy_IᗑXFkomZdgC>+4k%8֪z OCr NI!dYF:alծlc(7id@16\ewŘ؛Fئlp.pI#CZ|^ FHH@C.sLKA^;b`biWۋqPeXG;`ev8exmOS4>٬$"1b)GF|vJ3hӠI< ͣ :J˼Rf9F@vp870uܟ2zԨan*眇:a j8d(cMHPS{WS5r !2 v 쐤qs\I}LޥpBsdb qFK`ZeV$P P18MpP\o, \pՇ\^XMb rsHUP@C1WrlF_ =+.F;l|CC_36?.)W:uGQpq0Nxȓ[鈴m4ݺ`)4,fCP8 Ǎ1}TP5aU-=;`i=񒟁{"ceȘocX:`g끤(LC.=1kG9c+WmTt??s=T@;CYDmKUsf^F|O>ND)G#< 9Q8P%'ӭKi}J:|;fC2 S -N1F 0OIm,Fd;#.,J,{eƘP\-HVO'c8f-Ƭ 0 e=;p N֤z,Z1 êǩ'9t/ǹ #"Nbc(wa%IJS{ {`i,=H#1E=Fm%1`s[*11PsdZO->EwjSY$xJQ]H4ZB{unTk=ǭ)L '6G!Ic$u퀞Z}nPaxg::%ef[ s"؜Dh(&΅&ˁdžr{]q,H}7^xaxe M\_G@#;JpN'3i)pۏ!W0/-0= CVt@vԵ5~.TʽFVZbjb4) %7>( ثL御ĝnr`+oS73;Q#1w#I8len& לJ6 d؍C =;u?6'#GcQ~iC~wSmS(!gG?]?~*W#a(2[/;dLS+ _ qK(ts|g4pia)y$MV|O<d\) Tl1r@pg$탮d djpM(E0"*pVLၦ1S]I2rb,FsQ$$fRXnjjl픈\p%@bAɾYIh\=9bDʾ' 579VZHHF T 8>0`s7P'l;+Z2cd.2iQh#pw| %h]$;jndpC]-na7Y\3>IAb{w2NC$ط#cld홸  =qMCc'A' U84skD"8]EpI"i25qy 4y$)LeN[qUkGpl/jḨ|3%+SWG\8F.yI896r B5H'-0lpTo^,LSf|@!Q@Teeq*clu3Pbt&~BrMWm6jb6kCw 9wM8]F"[|g5{bw[Z'P^\88 C\R(_ -ң|JQ L{6qdxe1ul 4$Wl3^ef%Om'Z`17 e]ʎyqƃ c d*QB6`:(d܌h$fEzq5S52088m+LV$*h0cR)Űˣ68UD&9E1~ X-؁L<DiE+cLJ% 0d)E.44!?i&"b15.i\-ENN0}15~Ja\ZA.A\JT<I:l$ 0|*q8$,w0+9v뇶v“G#E%E 1q *uVJWE  鱊 +J`*02Tm0u8Otj2UqFIuljvdMS TmFFm'R0[{fgK$fgIS9N  8]gjAyh j۪bWltTXXڵŖ8!,ޘx p#]wL$8 %8!`6;U v֡A\ް OT;v""xB8lw1-ҀH.~"pzGTL$dS-k79fDɎE?\g]9Pdj3b@j Yf-Jt Bږ K4fK3"+vXqXҧliM_YglY 21$4dҸ6(E1{+Zi (2B vv0CMe͍aQo@d^=/ZMz>J3lc!3ℇHv%RH;_)'"$hB8#ݾv^SYZyc a?͜yבAI Q~Oݹ7lٳdf͔Txc}=F?2YkrEck*]Ā2%rA{u@wƥr;51632]l4t88d[RQE5(rK\ ȝ5Ȕh%Sl;vg4< OS.MZdICAO mf͖pL 풋F\+ dC=Ff; "'Oߦ?"6o|dg7qFe(:MȰ KW.t 1 9P .$DEMK66!d^Gq;ۨRUzp+Bq04>rRH27W1c ċ&,|Us|Q%ѽE{`iC_:So|#<7YHbN7t,+58.@aN5\v*]A닰2aT1ʂF)958!L82BI,\_I=W\na'=\}`N٢dϺ9B_I:m%_n/LWTWS \hGPz=V5OQT`dġ*f %"':ATBĵ0!6sgT00N7-gLmĴsVYu5kCl Pk~cA4Yu!%B7L "Bie}',IZQ~awƚTbFLy-% jFl)PwȗSO1C"5FaLpR+,. ǨJF<@w:a8xjs׾i\n#hHLcJ1-<Ǯ9bI0HO|m9(3]" 6+Ŧy(nۊatu=mdžefD Z6"Tn[-c\UpF Ђ3\TGL\CF P`@=d'lB!Cv}zfK-uĔ\tp NL+JbQW:w QOnnjnrH`5n4l"!NhMp[, m#F¼F4Y0dVF-V(%E틕0Y|Mw"aEbԨ PP> hC.nAC `q48BnXclO2 'k=bm M1A4fbqᅡz`{M8qkA,9$AܰߞK;uU@U1PN[0Q-smÆ<>jH% @3B<0,#]ӖwT6A[|{gWLmOvxWn܃k{ +ȝ$uԲ8f.NBi'\sn~oenK۝V4=<8MYvl8qX}et 4&}OfiAA|qplPf1M£"bv訾9i4CwvAŌDbe:̦ i,2cXcXvjfB! q m/J7>evP$ t=QE0Tr={{t38KKfQ7P;K<;78BPffO/":Ee va| x7L$-E5S H.YFe$c}.x ,lPAGֹw!4W7I`-Fo^LuGB3ϭI VCfRIrɮV .@KtZPx_R(Ab@KQ\S';6(`(LOz|ۦ}i*1+j|~icB|;GD($nw9"5c.@m+k/Ms(0wXğPi &LE?{q͏u_I_cBDs%8;d?]?%uFB5>ozb^{_B4)ZֽGLFC=D!}8[,܎ E:6*s'7jb6@&p+O\(k+'ak\h^]!ɨ$c;S[=N'-ž23Н:F[ʮwi-2|RI\ź RL Fo0BH»vV"okbly1N#mD}0%L70N!PoM08.6#| P զlٱ7ˌBPz=q "W1,k]݁Q\n;UE SmS\{i)JFZ8eXu2o5U6Ԧ%Άdz|c琨h)+`(06nO"l Q4RNH E##2clSS`)J ڰ5*j2TKZSWldp}UM̊ fD!Bze$eL)L+JMxWomc6@j0*Ti@cZPsLs)ҋ:bf\f"`ihNbeO L2W%\/zJ`Fr#l90bon[cKM#vyi]$ 5A8p$) M lP;fN@nÒoi%y2%kkoa^ԔSlGL/"ylh-Dnn^yҹt3Lc~Nǧ%nR><ۈЧӇ"7!*Jtؙ2Cg0N86Xq4$V1Z&zU8b%A# ,NE",h`}}9whg㨌"FQ ,HbNmBc>X-YحŽ!/AmJ}B䑏HD⒃͇x,)dR6IIu%)Hl ,Ƥf͋Mk*u5PoݤS${T' 4;9{˃D#"!8(E3BIV#n˨V;9Cqs<8D0l9tΩ|~vM٧A#GoquW#srcCEʧ!¡Z5kQ$RgkKĔ ][dG8l*/C}q2Jfg6ҩ5&spia>WwNkOg85DA"$z8V7.opٳg^h}h,3RqD+2u NfvCaO~Tpv񹳳@0u& vu/ k 0 ٱZG~;$X%:UUߖ wXadÛyGtZS_yȫNj wgmms}N %0^nkZ88$17%}qFx5Fxa ʺX<~A).7o4eC30q3 Ǿb2S`A Cߡ%6j6O^i yT RzdyS"Y єqFKG\6u'1]soN sE' o'Qjpr`kژ!pi:&v$ B f&iFkcfTXKSUɕPGb)HvFvI8 Э)# )ƃPF=oA tGaҭ k SeV: Mػ ,qPF!qlZBgcn1$MS0w)ǓLETnwrlpFܤA;6LUJb-7#,+k -BpW#h`=&!{T-pu1oi!a*lbhcڧ; 2b%)R`\]_G/响2ͭЦ\˶wƳLDf˦EiYff͛1Pse$62qj+8ۨh1yI;cCM@Q@YNbR²|7w9$@' o8k$ː&ε;6`™լu}rE I\,21-.#§R/$ (sL;3E@{G5]7p6 ׶hzR&b,$Y>)_ n4obX`#(6l}YkUp/4dҹ3 nq%a:,4־!g)Kz "֝)SM?nYracec 9!?[}\,jU\i|{pXo.D'x V4UETPd yt\(*텷d?gPQ;ێ(1uxָ u }H9o7&g\^snЍStH,O%pjR{;8S\$ӭ}G23O) ҭh#9xX4/5jregcmW%U|dK 1+T m0[DYJ4.Lai@65Q Q8amF⒪ȭ sŎ] 30ꄾ|J.NlZI]ë[Q6XZ&qTpC 7Upj*Dȅ&!⁏xo>9؞ˤ, ǚqӇϗYʚeRƒU熯~PKMLBZ=@+ R }2V!4]\7|J%cA"k=^`,gwoix!?H1J߇ڸ]עdhAaIZ}2d֪c!avahޥ %ծ쏳dcDFd޸P{Q@el(2O.@AC4[C32J#FBng¤pEaIx)\rl٘$N<"@pGxDƊWHdnL\,A Y(pEC{p.eAR;iLP@WZl8D:iD#cCXuP5G*^]^URfN(ۦgR 6#rCY8hIÍNc%wiЋ+iuyZ)!92%#5 #6l4}/JGO#l/bŘ՘ԟslrN͛6lٳbr.͛6]pvqL;RePQd5QӞOښ#Ƕ-Y:G(O/1[-v*i"=G[*z|{!z R9&XgJ*qt<1BmMBpb+Vi7:aXӮCoTZg*i^+;qMlTa}JN)$wZҺʛ̳8^)!KSm"n GG*A ag;P$Klr*C٦g)e՞ZX?#*G\ht{AA4G|؆`-0-sh%9O?ӓ#_,ed\,Jw'q lU=9ƈ(qJ j^*9vns8F$@=<јfLHXoirYWn J3Q1&2CӌXvlٲLou4iӌ6flc 8g%\H[ɽv%7RVASP6µM4F)8f͔O'H,0:TcJb˦Pv©2Sz}_c2*>{b-7uAE@Q-THdsÐw"bk6- _al je@x"FؤG$FraqH1> 1"4Z$tpJÈ܈9|ϪqW5\jJ53Gr~k@4$Bsch3FUmȋ\̝X'|/[)ZgrɖRteY?-|Ȥ|[R?K;f gGPcE5dec#͞ӵRJ,рy8/2-d{W"HnjqJR5ԷC r)QQF a~%r~Rp6XNԁ؁&KڞsWl |FigPE8XoO+\nf־-rKZ G])?dX{v^Rc?|_jw,[ZN_{_?&=L+"вJ8a;Bk5a\IVWo5k?odLQn_{R71U1?F̖EE6[ۑ1_Җ-(Vgo2ڽ~n%#܁':WЎ"z?[L]|릞C<4c$o,[[`yKWS37ivg 'UMIp P0)s(M1)|ץSiIM0}6& 'Qk=_3~z|Ađ6ڸ:("<0FiSR޲=aQfucڃڣ. /R!\$Ti:h]A;R&o5OR:u-RŠPMdVOUc3C $%wA*3&N ]K1 uA@oahX|/La%i b*3X;haɏ6>(d{cv9]h4 c]a/3L֘Owoɇ%%O%m(0kGkx $~iyiϨ$PX3/dkr: sX<1$v"{H11´{a:M~,j kS=X"M<8 K7(F@5ݓR<sIt̚Gz;Ci\+F $4~PnSȐlqbO n,`f%e_(j\43a$ZAB+XubME}֬OӀn.*jJ e45Ȇ#Q~<'؏qoVn*7O{(&*KJm*)tvF/UJ$:n@I= -<Ӡ9,JWpu .O,S:]>930%}w˞Co}\Z'XN]>mYhd=7}A˫YxXI@u%Z#j9-xɰ<-Gf G`[`g'ag.*tO-ij+z$QH IdMN(6\zB:yf8v vҖ9/xᆕbb @2Mb992^2G<2Ub؊ɴ0H>vN8O> I5!Ixa2OR;.bH y~UG*ƙ;cf4iuxd9'&(rHO`N8꧛Ju] K!k+%XTvO~#1e&$!~]pK- 鷱: j΋.: bN`P~&@"XK0fdStz'\ѯL/@+ğ5ݧufǃRF<9b?w d@ܚH5W*v\[iNᦗuo~xwl.hBQ,z&KmVEWY*7ZS{Cq_DXZm z0Yѐ+O0Um/?޸ J~;>Ej/Y"m4XKxX 8'<*1_ߌk>@zwdN`ld =1S‘}+[c&&G͛/13]f啁oSWSy)9$ S5^ dHo#!Dk\uȑ-A끘Qd| yۃ48*D7hhs'LoQH68iJuGrG|\'tŕ,czKV V.[aF{xf{CC tMHo㽛 )kX5i`LsyKb? q"7l\H 3{.tc~e#ب8S!RA"W49 |S'=c8:l<ش26ös$@jT݊˟-WX^EZj{?67 \lybۓYfFb|^6g6>:S^/(s0:.& yLI͛6ބ|%=0q:YbƧ/6=2skM͛6t/Ήyp.9#8y3h7Ni},_sq6-oTTguEulvZ6ҹM+g/ӼJ |qA_-AI&<&{94HՖpo`j#ʝS9L|[4I!ГBأ2ʿ $Kf=Pd-A&tnolb,!zrnIL^;W.4"vGH;:ǐl/&(F7wsGlDTJ|19-NTu`<:62AmIGõ6VfDeul2ĂhwSia7mN{I{N@jVh k{0((G(qa@l1Qn4˘(LU^5UPPG4N*k)M%|St0L: SۿaK}kF@ stz eA-94=n'B1 Hj*.*ߖ8Bd;AB뽛T$q q'L I1"${y\-t{;,휲- aiiӊ}) >ҵ)lXUvA\kq%4¡9춢=M&xGW))Gx)G!-GtxdO!IFԓSPd Zi}hhF+9W-Nx`k{Gɦ$DdN)ec&=0D.a喸mᄦ7 :o*L+&¸q>tdaP*+$Su(ʠ5:a݌={v6MV,dNP*dz{[HQpM!U#ܑ\FP ?LH*acbviS.pq9=431Qn;F1e#ј2khcJ#Z|2!m~hmž'DAyt稯)Q@(:`[uXSEXpr٣ 4'σk$r<&[Q?̀ձ1Mny6?0wU;IQ;4:;dݔVF~f-Q ?ݯ0T0b_a8{\r3cAT0B] O#utG1zZs^5ZK_»Tݯ0QCN@}`Ry;?I|x LE.KQ?،5z)0VmyatHH@§ҙ䨩QAZMjAO^LCM46CͬeF%c{ "MRe~U?!h&//p>Jz&-2qn)~$?wq_ZʝF+ x0Y{)C*p#c?ql#*'OqXX/SKyԇ윖k CZRe 7j(ɤ()VREd_s]@]*πFpt#$(A{ &/3!20\ҵ-NUU'{;}8k{7X5{y(bf`0}5Y08Wôkb@nrWΖS"=NۨQA\F :Ltfh}`z~@#SPYČ r!1[]Uw e$ihO7{I:)G0ϘB9y%.e#̥VfG mӹ_r}th=h]2AZ`.cRtSZVN?XUMW4ֵefc8edcRs>md^ɏ&ycc#!-)8k%7e9յKO/UpAͥB~srx" {$0@#iQ y ${sy ;C(p45*8Nkj z2h \_+0E䦃w8ƫg,R'GiF0Gbx e-,$9 k5*=ԌkHxX[=))MlHT|()B"/E@"pzkڠk: 'e8`#"*#D 4"UWV` 8jm#-!Um>5!T?@^>FL uX7ӱ<ىNU e"盯\&RMk^%Ddl?6q"+1d_zeaaS5<3/NF ))4x`׵>Pps ClJcxLQguFF1 4bF TR߭>[/v9Il2?tMҠ~n08f،A]kABŋxOŐ^LbE'lcXFF9z "JZ~Fy92WΥkЮçC.FSLՒ0`ExֲN9&Khd34?O-zǏL-Νn# oF+]Qc'Dtj$rbQe+&ja%w(3˺ͻvCN I !|NvMCk,Vo'WS;Z9@]NSz$VM8L2/Q a])ׅɍXXޙϤY=6&i1SCIflSlEAvnNI4f@{8M%o5-lʱc#+עӜP-˳f͊ɬ)W~dvW BL m+^ Ye y(Àٽ˳f͝ʾb"cQ:MB )25-[gE7#㇬Aȝ6lg+~y"|.xѫ\ya)DԦHى/aeͫHHxԥYp)F 81lGh*M(0J'zi0aŏ>A"wA~IdzE]8d3H~rU ]'icj:ٓ< \{PNUrry -W >8J >nl+ORNིhŊ[u G``Nw/kP0O:DOP}qy7ߞ]\$~^=}mI9on*W qx^Yyp08kw#+y>;0Bn}#Ro׍Vu ûmN $tc3.o0 ,56/V*Q*gٽd,tvx6 kdjj6T9dRbNBѦvV*j?Vt6Eo+fJ4kWHj0a PX;C],a-mKIoS/tfÃsA 79P,Mh$i50-xa}΅"׈4=6&Qǖ#rCcFVmxxUjwk%e7VDh.{ڏ0O/ a$@.k;jT`c^eC[h IJ-EO^ũ&8Q>u SA *G'RlN [|-.P~g[j҆ i=?o Q] R+ZAg8KJ(?3%*?R[!' nkq50`G3OF(uI9W4r!ޥij(T |2RDjvԓQ 6zcY]g1Ӱ(0Nvk#ը2?T\ZD9]e !¬i2e3k] ɟZ7+*mkP =$◚-MD0npo_Qc{ӐoSW7=o$iE,Gػo1} U݈zGsN庎$'a6_R$+ul!伥mA!lđ a`hl5gMX2lę"5RD57֣9nű,ԦQqBi 1By]sDjftKxG u #hU"`gv,L1|w3#߮q]ZPt(w9>MFYR6vxn b9v,Ĝ9f.M0#?&[:lIYeWb0uZ?vh:<${gG6M.!)ļ鞿xGLٳw-:.1sƍQUӿIXU흃2* An/.y#f_n&z4D7BEl5FNFn*|\}^nG3fn͇r9`z2nPńJk,? >+-'3VNL]e<߄E[#~x+~sJ6EMk*J̫6{pzhaї=~>w\9$I])wiZ{R7F6NP m ZRD#)-%Y6=νf":~(X,n٦`v|:YcS#z'.O1$+ vͫGс[ˋ{lQ wVA&MeCV]fmJLB/p?d";(1["+{nz=I^^viËfwɪ]+?dHt6;Hl:SI97WKlPRW(% TuќٛqlHʩpX`{e(EI*p5Ksb:M9&#&I Pǖ{D{&5܏Ԋxfc1Mr/]i$(NY3^(d!߃B+hS (cvDtذGD$9HKɤiu?87Sk8EU]0M9blEt k.vk+1SpȜթnaRy  LlF6\ RT!+Q:ũ ,+?j;Hh;0aD]Xr//-yƒȠӒ[D?ۋMt ȵ~uknM"$ڕ`)E9nŖYw!0eavxES Ǐ|;`2isS;|eyJٳef`'@rw9J*}C($QqP敤Ҁ㩗fl %I"˧AR1c gƒ0{p\'\ܔ -ʂvG&Ȕ;-1)8Z`NZCS,xgj4U1q&Mq8simlp"FaE1[Kjl4aO|FW1㾴ֺ4QAw]\‹zgw`59e9:Sƻc|CbRA9b߲0Efa3LPE nF6KHd5{ R:#HZb3ʅ^}/A>,0,0J.t&0'ۊý(CnW8JXP:S9Ϝ55Pj6мe@3k^SKbV_?b1hH3Db[{T A'WvW#ZD --lO0Lez;\~wIFHJS8qwhɒ w軚J[)#8DkװȼҴ]%r.`RkLes<8bIL5P Au5SCK%pE8~ѫbMn;fzL9F񌜨g֚n~[uyWli;J^.>vNdKPk0\T]qU֐Qv]h.u4gUDPw&09ϠOl%!\#ͩ|CuRL]^RV3}{&0YuKh@Ossol LOMA@pMXTLُgu]9%v7R;_$PzKUɝ40XhPp҂oLySf y^JQ_yF2,` 8˦ #bsk#˖0]dMjڅi>;-q*ӍXu8,?v==q)rpG"k"xLk%oLFp0^BB>8J, 4[-VE C (~Y8׮brqv,X[T+,zڧafl:}̺cR1">)yj8_}!ᎎ3+Q-Ha@f%0؂ I"{dGZBRо 3 hAپit9b<9|pA:="B(J %(>4rğ.+r+}lɋiZS*@)Mj 0GKj1le%P;`j vu1Phlެ(i!eF; ͛6]@ a *1j S(rTbSlS6W1 &@$1j| - .UYJzȥa%7%ߦM`ݼO«_aOV'9,=D e_>ޱkWI~'Dͼr >yFdռ^uPFAկ"%SLX^?SO;-ВglG2AWFG!#=NZԫbiaC=ZÄiLp˂ l%+C\}{Q㇦LG2zvxGßFRu\>dP )ynN*Iq$q(vbYaQ۱|.(p^Դ #Z%m:8굣I()Cr#1s#dͭYy6sQ6ȭu 8N+NLPǣۣKIܻ)}oajGnkŮc##3;"BT:I `x #ܛgW;zqӉEu] R(Ј~)yu ˑQ.q跈>A+1(rK&df=#u^UsTbƖU-L# 7esEǼ{4pPiXx%L6{;w=NO|G!rd K{ᬗ^RqI2K!N {n-SSpBr9H*T,N6e*SA"'H˰}qfDq[;nuAq;xVY-3q6LƘ`:cn& )w$[cSQdUn55cS{7V ӓa" b6xB(ͦKx6bKj0Di;ier@^]l@9͖8C=#ZS#e`idnK5˴F`hci{inFkО|Gl|,OQQ ,pl1soEq>*T ٸ s ;'cnHQBq\p$g?͖UVX=@,ߔq_#O bEj3Z&(Z53 yYú=GkhL6KۈmKd5#Bh{1c"6vE[AdK+9$d/J!"l1A =O /0}1~hwt#I4Zk;?2t嘞AQ-bѰծG1?!ỳ5@9ڰ-+<w: ꩩ[S\j-v| N`Af͸m^x|peع˼8M,'VO6뒈q_Q~Y˪A4-4=diGCN/ٓf91v(b)dP+Qe*S )- >W%Zd6 .R2+MU-c=d_bR\ZF*/0,?aCOlkVHcUgC|=$'C8ej[*cQ˘}c⹌a{ζ1 miu̩lë91*Zjhjz`Өc2(::wEaS] J, ?2^S2ta{{K ,m츖+oic!х0}?E* 9'Y *74WNhUi3+/dGŦȽ;gu +hJC{ *Bʤiio5J>Y֒݊/Mjݏ&>$ K˯q' i-:44#W_d+gv:/ %(w\Rw OcݘՎӦjzwMߚ#&iMS3y9G^TdN" 4|}Sx1hY;\!4:JYǏZd&FfrX\vunY c\*שEmP13;WgQGU!]C5KkæsP2!*֙2%LĹO/zl2i^|2+:R:Ռ#C+\@$'g֓uk'BdF„:0qw++;Tj-$8bvB cDG#*NM4˫(mTxFp}>LOh{I><{w P8/HPx3>֣6>eJ-r=Y{ 2v}NLSI;و̏R$y )׶je I O:C (f,m#tQ\>gZc@{>4K1O$8F=XSL!"}* Nt/8D6Toe^*v'qёaѷ˸2-+҅cJ\^w𴑉xO8ύ:ӊ\Gs ʧ ǁ1Q@9ߢrOAv6mf5w*wj9`q\"ZN~"bxpψF^(n#SW;VԈӪ8'Ib9Հ >%'pGQ7A$j|XOhVBuVJbޔj)Pe\іMsb3?iEe5OIP u/>k:i(18_L=OTex?іMs~Vok.'TZ,}M].>8-+>Vຏ8]\ߢN?O]3*-87_#,yWO3#5/4X[J)0|*>' Ia <~ڌR@0s$e<8c+߽w0/~Π~E5?2*a n|bȽqjd>(W n>Pkݏ=NN&pm塒0Wt"}Fyvfǃq!ҫj=[Tmm55?iŏSQFr60jGi~Í>h@rYҬɂ/Uv7_cl Zr@*(r-en3*^YEA/ҙ)A7Cv%K.@{Xu\\dvGmB7]yFx FQ }aEIvYn1oGp?41˒|fdŋ2#9Չ\i@uQmwAtcP݉ *~s-ķXywmyn}8AT{su*$ρS-Flh (Kv,I=qaWl'iB<1w/Jo}5%u_$ gV:dOմ{"F#䄑C{ㅯsNW{, ~TD\x% n䗠ulc y#vo8t\=Mq6p̢c ' nί~(9Ι3'uw(*'vZN}Psr8QA*83sY`k60)w9t8J8Ol3K1czhR %&;/j<0J[3voxGQq<]cY ! @b͎$! ,@22 o\7윎jn3 [l7wOcɎ:)U(hs"Fo 5@' 8!u+^oظO $r\c\Z:*ꨠ9w@+^Fj \1f`p;bػ2 MQş<.&*#.(d)(fOc- @ٳf;/0͛6lz$slu.4c6lٱ Czf͛6Z$C8Ͻm2\4Z6 b+/|ٳf͑0ɧA0i:jB㢽toTMZTЏ|W#^hMU oZ}6 gDDCTbKѤJadNֳ 6`G n*\);sT_95ݼWf?[%]Ap˝qgA 84Rs&0+MWTfrTmè#c?BUqi k.-هP3ab% /Վ  T"5;2Ek}"e_1y&2 GSYշTxqQ]Y2EM*; hԚԞom;8!"RæB 5K2f\ 9A߮ Z aKag443?C9&9g?YݡL^dG/W˹8REIA%Z1s2w&>KOY'\)_ ̦@}swl<6J.*~juB}>F{gQvdDŽ{d!<tcxm>TV( <N)sG7Pri+~?ߛU d Wk5ш b|@sgMK-$hZV($ m=?#ܥ0Ȏ h0n~HgC/I5>%"A3lᑇFա#:C`DèaGgqĨQ3s Ɠq8qa}:Hʊg-Wd`hGB2YjŖ2lqKk"'R3s3U_dܜ)pYcI,zUwrȂ6, ۰^9m4w, NL(=椪=~NJ4h6#=K嘥y{~TҭXKP`@E ɾ~'?ͩ˒8)H1G`HkIT":ӓ"ިFLV{£߫}p!8h7k%zCjqVFѮ5=TG0vԊ=u/rzʟ,"1M9*k3bS]gM|hńx#aw=ݔ2y,#mABzTӵ?\E-pЂΠQM+QN{;# i1,8L.BkN<\;Fq++ۻ;[f)ѐlGaEF'&rX܊Sdz#' `:"O6 AvgU{DPRY;NL\)/#smz:r5Qɺ-4rLF})9.~.c+[D3ev־alU;{4׿^Z2Þ1qȓ:f]\}6YBF?`v8;BF76tkoKC\MŴՙbwO\fm.iHpȦ5Ϳc}D$t 5h> N,bÖbMCg7 yޔ,E*NC>rgfG}{o?L3_d*eһ!,..LPSGamPFhJ5G:#_Fn@doH?H Y"o6fFtu~.18 %! O|m%K`*c\9EN>o/UMW01#ke".[zaj:jJyxpU2mLppGOJ-y;(vjW gX(j[Wwry#.1go \JI8q8r#~XighCLWWXx~apS\dHw1q6 Gl-ӫMcT~a|j`^"Յ<:eʹx Z#Qlٳf͖[yC,f͛6)o6lٳfĤ6?Ư\6l(Bܵ v͛6l6lٳf5p^IJF`Hzml3Pe󤷷/em!ȃg[ɗY[I~0?Y-ޛw1NXSgWԌ|){1e#ݹe鷌jPdUdվvý|d"=GL`zxpB58Ո% :S ioy]('mύ3ʻO< eW#9pߖzHdӳ Sl-\"A5?@CiR?Xuɽ a #!z(Ab6 k?}%38>8NH@qT37g~XrS,viS(E)@;mE_$M(OwLF7ZJăjh}due.~&X@r,ff#Xf،y;Royl t$ oR>QJ\EK,Y0ifdDA:¯>>Sx@df۱0v_gOY19}krywystt":e]Im)olyIGOyI"TnsΟeǕI16r6#~ |֣kyۺGZmJ!;sW0<rdccڎou VMf$޸ܬ|Q,qLƀ fJ4ӭ!Z|C.lx8s"1$~r##vL]69l>MGдu;-H9 [P+f ~݆wkؼ&FaN;, Դ˳~MaAFz/mvfٚ4),8LouÛǣ(\^՚MV̏hsYnc28B:&b:ܱ!6$M|e|>_k8|;qI$8:̺29x uΏC7GK r?8`$^'cdQ(7O[運Iv W8W|)u Ev>]/\[{ cM?u #HnKȢRNxLP =PɡE%L{#VI.i.1[r0 nOrwV\ǾI,lgEosz%^'SN!b0R)Az<^4UkPFH5ab?H.|}v̲wپF>8ɋ&$c<87Sckh,dYKRm{.Ȉ<|y/FM@UR٪ӦSE9DQwKCIo[Ou#sE^ƝsC;N&ZyfɌBB\}x# ?;KH;Tt9 ma!F\ -_DFƸgIEUv]4i}9ο02@5Tu'9֙uYâ3S!oboWg c)eWt[1aEaB*27$m 9}c$EA0ՒJ|*, 㪞73c_6(9lcpRrS\8<;ZD6&* +NQ\VgO["UGdE̢/j ;b >rEq˷կWW'S,dž0x#9sܗi058n]!SE~'/A2$Fa8w5Y;.hnOyN{*OEN]t0q ?y(ahw/bWIRwښQ&|p(bmTp_ckrw OXMJ+XP^g#[-y?, [a bv0/O"w_]b, jH zD36 Ipsqkg*e13?Bc6Z|Dn'øt1GD't*^u}'z5; lٳB4Pٳf͛6lzzcL` ٳf=^ƳNBe:N OQ[ЖOpJke=c{MwA$`霷lM>Sfjs,IcL#L=ۭy#r]zn ;G& [XOv~D!:C\iFYBL.mZ)ɑ#6_ZM(ےiO|;41j{6X1k/)d)zpu8;mϢϋ/ŽUS ^Ր^ }5F1M q1%JrӃВ z؍X^2 Mo[:.c 2ODg )D!ISkFtk8efQƵc$W͛6lG%P*iHm}ߴ+6l*HOzc'qi 7_Ֆ{SlugM 7V? AlHSacuT&*Gһ\L1Op3BޘGS> endobj 85 0 obj <> endobj 611 0 obj <> endobj 612 0 obj <>stream HTOOHQ/wX3fs6CeMHXXZŲu$'AABB \wCAQQƒI wygcsvwu]<ÎvP0eOj[;U$ɣfYƚ82v3:=6~_9fR[/P5NmIQ)ME!iA%$1%(S4*[ԊЮSA V(&`T:-u!'FE+0_3'%A|n1j1?5>_Z6=nh(^]A|"?q3l"n&R FW{ pDޛzRf*7a`*=[v̚vײo u99) -z= endstream endobj 613 0 obj <> endobj 614 0 obj <>stream HT{PTQW)%){?%r?i=x># ]r2P1rկ=뙊i{ iiMh버A8N  L$~ OIH?4*RaEhZ/Kfmŷpu|IZ%Hn1_{gWER_Qj*'Qo? t`ͻNXq*U%7k3C|eHmUF=3jJԞxS-c3,$*"y07U~~.k kĪy T#"=s3Cje6Q'i p|Vl6Vlx?IfG z];=A0lT{yQv-ɍjNmi:}PkAtdz$a7> cxuTj ph3BT#xEJY'5W-Pۮ!P|q؛ sbNU 8\j(o{±s#ޅ6{]If*\"r.59Iۨ*;j#y6Jݽ^7`h⮃9py:mLKS[66v4m\C__ȴ,w۪Y8$hEӚ 5U6,{|a4 QG$>ݬ%),߄Z)Ņ)|-0I$.B8|6㉎P5Q.^vл TPsk(YRWUR6th3 {y9M(7Rq6@UC8 7hq/q*]_Wq1U69Uu7<% FL)kWg\>_`?lT9{gz/YCl87舂ѐNQY>$F[0g k` 0@Ю][Y]ڮݺlv]n>laXH $Mh }o^I|?w'qPI+稛i'n~CõC+ޱFNEgn+rEpa"8WWA9zULEٴz~؜c<c!/? ;PyCn\:lit)\7F5q|K w)7ڱ`!@22<@sȍ tהZiRz]2bi*&g||=Ns$5H  /#5 DeQ>CnKrADHZ߻YW [q1>xݯ6`%BnB6}KrL-SMk}8h'#Wbf)m3ۍӤ‰,}L,ŏєMӶ[SʼKI+Zt{5|7̱Y4MW d8h%TS͟'65πӱlq|bP58h4S8hT66wp4t)qzk87;Ra#ռJղX>Hq01Ptuz6.%KGЈnWh5uux SB&> 5;хoNwҲuAA;\Ofwrf3Luqu❄V8ʹen/'0's<,ylhۧ"]]s:j`T3F}Z9{1d&m\ 1yX{vghsX0*F# Da-lun-|As_܈ (l  ߷T&iށ:jWPJQeςىޱE+6ƿqD/ |6vol'\nzq%QL"cyO Dܣ| z/~Ja\tK;FzZB }2xd8<=6W@ȋEFџK?)ɛ+$F~)($1O1 endstream endobj 615 0 obj <> endobj 616 0 obj <>stream HlyL[oPWM^^&A&e4M4iLHBJBa16`xg ^c1! L>34TeFRM5tTU%mQ_t>/")))OqV^&VT֪*+veeI36^M_}P?n^$#o8HZ E ?ME#ȮT$A`)9'@ A'D Hgd-"U+upݞu-+8'x,x!݂fA_c+ vb%mSځߦL?>d}z~`2v=B^)'@'C[B(8b=sO]O4!rfIhxQA/|+σÊb$_'4ǍG0" K9LC~\ *}J`f2tw}{'wif5DFᅱ=ԺZ1?4|?V: @!z],.Wf+i^x3curz 3ILXV7*團b 0X'd1>;O{]F㺔2JeV(fW =s{׸l) >ZӦkXNUZcuX z.G+Qti~tdޅԄqL;hJp}Gܼ(DDtĤaeUEIq\u6֦nS5fU9`1h^wp7`{@GBa<#6wzCt۪vNu*6W770 MK=ݨ$|5L!(=2^:H8N?X \trc` ~UBV ZH*:M(O7 u %Ģ!=# ?NQ-Od3̌*Hj;X(D Mi HNm&Y%U&3kn՜myjrY>v| ƕ%>eaԤif4Gf ܌P>eF+ιѰu!}V{$UVo2ZCIA@X v֮練RggCgA ^hsD^a+2}FX̺DO&'hH: _/\E~1[p`;37}bL~lY~~75NO;_}wH dx] C78 Tݕ' $# Ē$IMpf9],uPQ;[ga":ȀIX%Uy[ ʣDg?"-I~?olϞD\}pd'c!QP\嬤LoI„wR0o057yY0Z}N|!9cۚ" Dh-+-M) fa}e*'Ei-mwx{疩[qF)yl-w\er{#aޞ2jQVS`3FQiL1$ ZLKR0,17 &SG8u=Z*_YW qgZ+^Kph CYhc]uie"V$/'dlZ-ةQQ:q Q%JSWZ68clgS~A&|%[Qf2:ZN VK=7Pu^:@&m/kvP`#[Nğ?CPRŊ5POn),K|8̆#)W+9C捀6c#7TBKl Pa@ Ir\-ѝ| rke|67>B376iESm],RqF8=_fJk*ETeuc O`)vK̓i"&)ɪi É918G|L&,n7&^0Љ2ܠC@ ==ӵ[-(d1t\((K?Q^b,;į#1}ɛy}޷7`/zQ{Աdu@DÑEcȺ0 d&2vtU8Y%C׏f;47: h*N2ڲ4TqgVlJ:%8"L, qhuݱ.| TP5I$ q CoH_AYGlCmo"]6m^иmQSLR_9 d˓KeRr4qâff٫0aj&Kh&|wrz.A(g05[] W֘`79=Jx$ C2hOΛjKiϧQ z.S6`wSY] 4}Z[g/ZX[i?W@_χҬH-z'CƋyr[BmZu_7-k⥠h nS8I3ɪO9V'Ԫ39yn=v29MB@qA$B$ rr[uJl3` ? V7E?tVP =Hi4…[aکqN;֚<5™5vɝ&9>uE)׌YCnI㑺F/4"q[$ p,|dpehvVƀ)nEHM369j9-n?O%'i&|L|z:ܽ"hw;a 9΢Ez <A# #LQbkH.8Ltq j_BϥQABh&)ÿRڗQazF> A;8?GG 4}>֨im_Q7u 0 endstream endobj 617 0 obj <> endobj 618 0 obj <>stream JOIJFK+Arial-Black V5 Arial-BlacktQhhgke^^e{lklk{e^^elk{{l endstream endobj 619 0 obj <> endobj 620 0 obj <>stream  endstream endobj 621 0 obj <>stream HVml[~ν^ۉVhܴb|&nRGй@R!I'ͷ:4Im*IIHۨ&!4DI׍j`L"T!X&1MNE1~Z>{={l0БE. N{`.#?/ h?9Oiʯ@%@y'h"B##=hω1TرW ߻]4}G{F~s~ƛQsy'p ؇\2 g ͆PĞ6X^4ŕ5-+(=?9to[[@UAaThWJ$2gD›l+wE 4.ȴʀԡ@s[Z4Ŝh ܀$ $ٌh-Eqdю*ԯ,Qqcfх1ʼ,%+]BUOֺp4]qd:^}:ԽUc 6aބ8.x/E'0;ɞ[Ĵ{YbE)KR3ߢ[o_hNyݭ\àWDf ~^yYO)qm?V(i YF6M8I?qZ cJ " -ڃجV~G-Wwx7ŒM 2?.Opi}Zy<UA0wA/G?KEP?x,$zQ=`E(+w>oL ܷ@2CkL@C%9붥n+,}<ǩđdy.C,?RS-YAtGeizLWHyrm/a. ?P]&R%%Ix]- [Kؤ1)gL-rHغ$I@- [(9.ڠ8|B5:ɠV҉x:tݞ%,QO#ytj5ƄRM*[$yJq43e-iqH^ ŕwT݌j03ՊrnK3emM_lk'nZ9tBAk"SLsOmN¾! FIVxHx6'7D QIғ> QN\ Õ4̿xW-Q,زy zCkݾpmxG]m=m"U[sܴ>w ^T;~7䱩O?]Zgԅo~~1t7ιԅ'{}ٳ^EasEYQpEJP aeJYΉroojz?[&Gz}{MyZ"dd裯znNgQfiT6O#92WVeϽU+^}(WY endstream endobj 622 0 obj <> endobj 623 0 obj <>stream HlV P>w]}}SpTb2D^(0"T4FKh4T$ 5Mn:fL05NLӉfLLQ~z(tgww9g=/HN࡬n:svZnXmUKǏ5HӫVoZyLJP[߈[ml8k%_'"nlj/Csۋ m ϖܵo%u-m;ߋ}kj[F7Yu/+f!\Y6%Px\>3gk̼9`v+4O@9 :qk T];8@ƷW|u\TLIrJfZwP>}-hCCz*G%N4.3@MԆ`p ,M b 0~IR3eYlEAb.e:\lN*>喦'b*T餪X-2QB1fPLk(l βLbbf NvJD 砙%NY(4p2E @݀ !4Q&7w HVE]f4Y+WQX,?=wC*A/| O@+l5)P .Q+^| PmB3PVxE=(R`g=dL'a,dO|(RhP~=uW@7AX{X>#saztE!эbhWtau4>/ AbLy/@R-jTyg7 6&B#9B0G.=P-!Pc$h)dCH\6bnNNIU6sQ geF5~ϼLϞ4aer4ގslLSm]U6{*Kh 5LV$槹 3-(i"tLyGc Wb%R8Gk*YyA+W8ԩd=X"ֳ WU2gP8[׊N_23}ER6t:l(0bZ%ʹLanƼ` F02 eL", QA9)k,-G,|X>w/+$8^ 76)c[:nXWU-33 ۈ^!KhCCm+X~x$Xy иnRFJV23[ He$WNguPZp\WfIFNYӸ<^>/f BgYIFerJ1%ff32<~k*NRIO;+Cab8|o9,~ "/D^jԇkIыg˟G{r}m[6wU]JSEq6^6b#;\[D'~Y+~x|_HDV.i]J4M4iqS&YT9Bg¶IF.\"r6k(ڬvP2ᵵݢA#5{H.5|?%. ䷦'g?@~N\K±/G~_֞#&b wnWVɽ߲k) rc`aV"QN$; x_a99wAؗ\*_3#ă61z"jIjjFJ x'jODMahg"7kϰ}^ϓd'$FQd6:S;^غ_q'lxozG!z2'n!?$Z$ZDZWMuaS b#J/eu{[f7 xdfdFϱ, QsLƭ T#Qc\cE/(VH{ZJsZ65.{߽{? [?8aAv=:ZxH]Ru{l6glk1Э3̟hKCmό%1I33!Ze$撏tr "$ 7J 3*'$n^eH#tY ,iDZBLF9w:}sƍ1c*8|wX~{БQ[+{mIV/=o))>lj_VbeXe;̧QȮ-3. ],]jf7IQ:-G YVZly8g? Fspa'203Za۷G._~vJ{ ;6zɭm&N(*1㩩1tb#ZB!-p!m؇bFVW'wo+u-\LsY'>9sž1SXN\>cinpj$P=zDA0ӂ$k3"܉;mnn C 1[| |˶(>z$8!:D2$+8[ŹiL:g)ll}C5`PKw9DFr+#5W{U]7qVCu7n.+XA]nj>=2%OOݻө)3ݼ\`ۖkKsfZUb5pB ;d6d1b087/*+jղO˰mzu5V-WOZ%  CcP.݅l%p7TE]C0$٥ fX_ ?$BN?`[BXmq:ą|J\_8}^iS5߉MQV"y}ѭs.^SIm9TO _vUE?Ohx q5gw=˵gk?7wz_Pg~ȝc7G-\63.`[a\hr,S L-w-dRbZpL^aBg0[sU 50Q@z|lXQ@ĵB#B*ɂE01$# HE7##\E\zc<Fe U :߁FJ/7CROx.32k7O=u~=P34A( `o])FN^,ykaKkcš4机O6k3IM;ӹA=|n}LjeB~,ʸ F |yU94 D~opқLnoQwu 3K@[ G,ɼzLL^Aa$yB۠ѹVdiQ-t:LKCIzEwtҲ]翝Jnh/n_/{ŝ/x춽{K$K}vV-]_]Yޣ$Ea*HިZ݌T"񌚒H%%KrV{Xڄ3Ze5~[ K']bvnR7 VbZT&τGHQ0fpР# Ǽ_Kf.| S% "͕PKVr$D֢hFɷ'i{dqǀZ 2؇8$O3s1C(?,lPb \Pu+\vB}L}usǝTL`+v"tat2卧 mCDMxXZQݠBO"4GuXÊPӽRmrjnrT5-LEb0gZp?9+rךErs*kCx~%C qP[#oqfv94pd,_|K2 ^/ۼojr2NHTho-4*BoElEnyEiXFrvPUx::ч@YEϧu!WU ͤՙ.շ wZ{wyGƦr2y9A 0pyRO|^kh&[l= `cܔM_R;73JZBt'Vu\^sX-_(RYX&^NC/HO>YEZO#x)(0 A[F΂ ~39WSnq*cfvSꁌ(5k$^mpRjj$A (H()Ba{*\4{}ǯ |kym|,nucFqMGCdx[䲹]e\5'GS9b*1J* Ql1J+Hu l@=p9M#ɖaЄr8I#\NZBoAGn@C尃y_VI@ۺP ʽ"A:ރZ0@f%P&PUqiرe:f{4$[Vti NdlefH%\-|oP"%Zp4[W,x^gh}'uUKYdXxx5['6QjS11I։ , c<?ݲG^-^hLnzWK?$oۑuP =|@MPk{kr2JÄK=剉p63j?92a_Y\d/49'%!82d 0}Nq"/&A 5.(,:>~=oԠhEZף>KE cw7xCN=j JEQB5_+mIkP"FcDAԕfZIZZıMƤ6v!&9޹wϽw]̈/lioܷsaB3)a96[Oǜ;$}D<[F4?N'Mk;\jb7 IO1{C52dWEAmaRCR)؜Nͯ]ۆ276nX>!/s5#G!A/6I0q-qw 9n.hӟm]RO[vK_\)%H9I厺G_%Sइ~ h>b#J&ʠk5'(5>޻}V3/hp}k1\]#7{'vj{Ƶx·58u5H[w_󂟞9q,:W1ܴNfj>ۓ\,y!+J6lmeykQJŐGO0k}7"@\qcfyqɶi˻O\q}x]g\;]\A>%M}5GezAdwIzSKwQ#".^KfP4g5)kbm"3tTAw","2&1KߔV8ԻZ+`fk_=vie\ƧCv/kU eP^AW0z1=FO'}SY.lBGPS_YB`uj$=z|V5h{{u3\[j )?* gL"1( >{`6jQL>1:yJJܖɓeXR_YЫS>D#CEu|+R^sUP-iE:ݝW&K#$i~P- -Kh}KgZ]7\C.(/4>[je[4'S719kn;&J 'Aj_xq+ߍY@Jd-=84VHwl~ J$%H)| 0qbER6yDxGfIptyLӸfcp`]6wRvjZFJhNrTBz4bggsgW̚3/2 fN_;3lwC% K+19VH$a2`*ґLd! 0(LBϬŘ\b P .]% C j+ k}cÎ h@#Ќ؄[<6E;j FY+ }zSJ3k XyGyOy_YPgʠrK*ווW3{KM﴿wq~iWF}Uz/~gg)ǕcJLH0_9}0.7ZWւRxt?j"t.=wZZ{<9e%%)Z{=|՚5KB+!KB 3;ad٥~jUገa|tQ\"isO>rޢVtEo${vJ3o>scYp޿1VMo8{4I<ߖo7aMp}_ endstream endobj 624 0 obj <> endobj 625 0 obj <>stream HV}PT?~Ȋc0|.)%F(PP4S&&mIkf։ĻS1ɴM&c?lڪc:Ig}swX3#;ι{=wY0 ;;ǤwQsn Y|o#*=]Μn(~{{PzGHyIhoi@mtY~.w[-l^)7B_1XK5ݥ/X7yypK! ܳi`TH*&fMIdX㐤*qp7pC/HȫIk҃Z᤽S7'yjgnggu΀3XWYRvFwqrh"m︻+ $HQ7?:X}p,8xUߡZ~Ǐ8T+wcD75͕yh* \*|~yWU @$oTPTk U 13k x\h :'w 2ٕAйsۤDܼjۤ q \Jߺ>`Li}2tIB/.5A=݂KVX"mjrjn_: [dG쑾RQ~ O#ryVG] ӠM0Fa3=9렕>?s[Z N=R"̢0&M@[TvCut=wLCAޅO/zp]6ȫtxPz m0W&:ܘ!B$QRw`3&/-~ƟXF ڭ Ề (ip eQ0Vbϰgvd?)6-_8# )أh59 &t R]{3%K0^{@Ӗ m B\%:sPdl5Y\M&S˭1֬UNwE.YI0C4pf?rG"&`D(#+( Z}av^Qbf ,*ٚvk/Eέuh:{z+b\dĪe JB oEyNQޛz$dś6^hi {%DU  BKU]d@ɟLƦ ݮ}#IBAr $ ,bcA-[lS2sȞPS>/Ulwˆyqus@~IDCq,w٘) PCLIcN[P3ۍGɅ`yP2"s^Q8|nd:J,C")Yz.lu9]eYvdYZɐScM1%J`4qT *b:I4hUr6L Z J3>bA[]=@U||g_^q8s0( o.D.Gʋ*8EG!Y.ڊ0=3脯YtaPӏ6IM4@+cbV#t(dۋVGOW=^Q,O8HeqY)Qeo6#JrXO֬!6?d@HA)IŎ 5hOO.@Tliĉ ly'\gY+ʷw>T] q\ǐHA|  G$G#zE8-TZ1Xh Iޗ0@yuͪkG9X0dQtA)2VYHc媖-W?\TR>H_ ^LR=^,0 =,RUqB6g|Xg{Ɔν>G/t>M\T~ppvJC@:lM9hkW'QzQ>DϿr:cW&ޢ= gd kB̩NH YmZ0cCZIfkKq嵣92hQǽh%~Y{O{Ef׬!F(qD< 珻Ɖk,na8[=g|x+%vtÓx2I@R$UfU!L f2BAz(Lj{SްF(]#hDfq ]BxOxW,:9%72Hu#Tj8Gg<:}Hxj"g9'#Jawm6oԣ[wI'Z&7_G[V^k !1QpnbBgY>m [>殌&7zjVdSU}"AKy8zCmV0N q!콧AJnJID 6iY__LZngZiT<OBv^{  H-#rد>vPa+GJqRcSSfq0G -ħ:BU'k~YS`ٶ͈Cnv~A}^@QUfֵ/[I56~/&౫˯l뙑)~;{͒A`7$5d&pݥzsPH*}׹^/¶;We0a>d!D;3tT ;tu`{RBڐ#Yt H)!G4P&YApU#LAO*34*saA9Y؊^ n9} m]w2U -DWW;?oyLNmBO<94H݊%R,۱S-XQxc>:x2)S(-j|aAӦe:u*l+i.aTw7i8QX 7nX+Z yo$H2ct} P'H$Ƥ&ҠAc-dKݗǦz,8]菺DdL8l0Igom4m P?nwD>M,;ChhT vo^k(t?x_1x]zK8΍ϸS,0Fx]v/TeVP?"d3\̽pNk`dY}lX)B>L>='Qԥ/&9W@mbt&d.ݲo߅X)Zgf6'@f YW07[8gZ^#1å z'Awm%ms6$nՐkĥYWBK)giB4dFMJdcb^lp0F͡L$cJlb#/a PNTT CM"#ҬYxoo:cGf*qOыtڼIee%ELAf t0̔MT=XJ<﷪rX`%GM}rLI?uO‡ vuk(r?*+_+Ko  MEEacTPHdtƙq9Q㞓L]A1F&jG匉 ꉊK&hϼ_U.{w\))U}4!yoFւz\9x.xtY{H`$ +!4gٺVO")\xM˰z!ăWy';YɒwJEe%8G<"g} ;vNLVw7_,߽>%O|A̓j*1ˎ~d؇+$s3 4*lLV(ęuHbE-2JKg(HKШչ͒@l(!8%Mзŋu_?fx꜒r2+1XuVi[B( B8xbJvmn UݱM bW2ΦG9K3ès;M4Skapƌ@a%ɂ]NWgu_.]|A<‚ܩSrsΔ rEm'k :vJfUW:+%93\.]OeqP T3GͺFu_7Vk4KA!\FId; -NRdUOv,n:LvwkeLњMed+)'XOLHX\{R,] EP6 ͊XwՒhzΒspOL&׼|*;}kG8CPxE$cd 0n?vqkE0[⃩hJB%9W:&bC+Y 3rӨ.=?]OL9\\}=aOS(.4|@S" YQKcSBDo)N 8 e QpnlMn}'_^R]|F~!{qyܶ*<Q9/\"2J9&W2R(IS dqAf)j—Iሱ}i~mbxKjZ,n۾oe8L=?gkieP_OșdB:ַ/+k˛IVd..Q'h38\6fzh9oR%%sn䠽 @zՌ!X(Y{zu=`ǁ*KMP[]έx _8z9^Q,uzzr!ٹUc|yvè+Vd\~t^âNJjxBSRʩQ@^۷{> dfa#SxaDg $Pn` zSju^ uc s+ʅ Q+boN̙e,feeeAo`ÿ6s,ahCehZWb෕x#f#0jzgϔ"#l ѹ#%.@__2@QDo䣢*\*Ikk`wՒ[w'mYn9y92ͽ\|pP\{O7?{PÄD#'Fd(_'M-B)4ʅ{✆;b^|fNсO~\v6<=͗҇n FV/at'`Xi'pYn˨n(o n A>\ j)Ct BGA !D90 Bs!h! 8ޫ#d荠 !#d3BJn B9c "dP[u 7B"./2 (^)ވ6CsjD u1j) ߝGGG=:T='"#4ƆmI,maO"މBHkAN.,|sb<&rs{TbRip YqD6UWt .QƢs$qVkW6. n޴֬]W gN_J[9z!Fqj%Rˆ t'D5ZmBh߭H`;v ZNnЁNtABNu;8ONFr1FooN)-~( a*ow|!_-Gy~A5 <+QxU65)o<xyyE 8H.󿊩mpG8^{y|PtNlu[{>`mD" v ǭhtNA!noKZbOl?ۅdgcGguLf">yvq8zz3-\Srihh?.ǘq9lV.F9a=)?bFzkt|wѣ/~0s endstream endobj 626 0 obj <> endobj 627 0 obj <>stream HlmPT{o]!߮}",]$*?cnP &)X16ILZ3~J3ig6iiܷBs99s$B7HP۸.>Am\k7ojsm{6f? 784h#G(iALGsgvR4׶5@5iSC?0x^r{V+[/-[st ?޶36PZ(Lx# n`<?XO0 JE C:1h24% HQ.Cr 0~5\ r?@bxeN,׹8qU+9ipqd^ͥվ<=h.m ګ-&~fk}:fř0 3A?G\\vعTP[ݕ6^Q麽_˕6wqeGmΊ{:2Mq k| Ʃ([`9=;Y` ճlSnyL7Ν*0*Oa%agC'G`V嬷KLӬfE`Ig9,vQXTt;^t^MvxAw6V &@}&]BKht prR`_  p] ;Wh H8U$#fB2l[)sU0,b@qT8uB4g HY3 LJqNq%K)I'.F+迣"{TF DdF]SHu@,6"]c5 3Kf,t.+2rʓnKYpblYZH#<ȧߴé,q k!.hoH `Wqx=32G hfF*JzUɠU'?}ߔ@>dMЫ_`OI4|sV?g ~@SZ[Eշ##˽Cwȶet+5`Yr2̉p0WݿLVsUK;V%$P٤Lj: [WIFbxljE DKo!80&L`\ əxc$ )#y.+?hgԢU.,n +cHx> ! ¨i;tf!D'g^.奖Izj`Wdn`d~:DߊǁľfCX}ޅ`B1T-$OeȒWWuO`{lz5iҴǏHډCreea`I7!a)*DH|}e(OW/-_# p(K YP-)ߞ)BiA㖱Ϧ"jdRP擴P^'e]Qkt_f"9[,Fg*ȗ9z5ĞOއ&i3D$zLڴ/Ib)Wz?n}3P~>ꖮ:yɿ;^0,0F yTDaxڰOǀǢ7#aѻB&\䲉'یg<5?29*N5fxNYκN~`E)(yZtĺc/OiϿgh=Ѳ5z=7s~1voߥrϩ~ѷ^ [z\4Em(x0iwj&G6h%x$n9́P p$ Ze1ӈ3 4 ZɠD5|N Nٝ{>%xrm޷]]>PvbV-f*;6ku=V`诲00,r+?b!<%{#YQJ1Jzb~ʧ X,{'}G 2Lr'-e]Iyʑ4D!${! a-ȩD<-Z7 26MńnjU1m)Y@GH52F,SYB~@ʖJ-:,_X^v?!QvpОx6L;ِZWY 'MSL'?lT4F.z!B `?g"jmkтƣmGH "k#NHR# lV{zUV/nf[W#)ewd{ص1 t5;u;a4`ᤌR$%1պiCI$75Ev$OCsw~9-mvL;c up]:< w_`z lO05]%;Č)m%s:;'chI tкCmH܍'Y0=4cGR.*"x<$ .j/;Z$xOrNMwH%._%_<}<O)k7SY*.<-?OB[nZ <.HBxsHzL1B3әK6 5R @ðz8zG5u=," (h*ֺ3nGwq_P)"C #RP[c`8V=jzԩؙδ=S[+ y{[>f̮R=_;n+P:--,y_gb$ *aGU+ «zuu5gSF\\NH;u'fP&\򚍀(+)MzݫaeQ ^zꤻnMFM"fS:pt xj۫Җo # l53HF7Xڌ--Pcet؝N )?uLma ix*` -֟EI`q"N|k .'OmJ9w)akZh$8R^, LYoTSyKj8w=Lk!qcn cClڅ@yD#6}p:lH>~A]Bhw{Wݸ{eomdמJG]hᗫno}Q4>h8oeTd}xW푎7l3BPЎU(jF^JM(!T_`j%^'Mohl=y@Dޭaֳx` $+8lEDAao60kGǃaB<,t.wx{ D3%"'$vl"5G"gͯNczNzsT.hI^GDzfS(6~-б)54zŶܣPAs(=$ gbD* $.+j= §!sVrM;;iQ,^{0D<.̱QBse ;+;QXCԖ{,LjF+XG>0zX)FX<"DM!>H*xɦƕ< Ռv.wulf>;E/J&E>W~ɦ,S >_a^ę.[n"nQ Ar+GW׻f8117q%f˧: uǚ/_1チI9oVآ"v .>jzzމw$B:|ץ*"Cma*1INҨ. "?`"܉qeۇs^?iu]o[5LqtVҠ ䷙ c7ϓzmd\wriI>a&(|+!!XxkW˺2Ѩ*Vzí.ᆏڱm!7#`!tE jd>K1!ZǩW0@b1^]$J$"  &D8uew=ypuԹ3~D~vE&#'Cy1z@5Oo_"YF"F~frg?%oq\FB@fbb[9 IШBp؋FPI֖|ƹ!۹+ƴgfֶ @Yޗo"e;N-7r4]y\;N#,Lin^jO)c|60rUL1KA5yXN|0E{9UB\4E1+գdyM`e9L}UK(_Ef A]UhXDsioP@4o>TA}ZW}(Z_U6̀vk0:Y N &j1S6r&t#5Xɝ2}mHUiٻwseҾ?;NҴCH>#{sc)P.&\BƦ(%#:-̄\,fo6iI*Kſ'iY\R ;]gz ݧUA[|D0 ZcHZ#:hd\@v[;ʢd ˢx)ӊ#ZlǙ`mV41ꢣ)#ޓ+K,9ZtxR2B]vmJ_3Gn,MEyY>bҤc‘؅ӕGd `Y[?uZQ7VonlB_ld@VQ>Y]g&X:X!yn:m]gMy,n$e)'BF{z~%8n />k=WΊ4 #~;|%D%+/E?>"ޏu]׭k)[ :aEȖAY$}VCbbDdP &#A\A IPTbBX_T:p%wO]Iyt1.C6H"("$9em&&9f4Ʒ7jJ265vsKi{D*wpcR[:U F]'Q&ʝ~0e[iԟ^ p^n 9%_Ggfs <^F$Z,@fVvꔜ4x nnCkϭ/WSO♧Kg?QY1e$?zeaUכQJrg"̚Q|9Ř(ayJ,‹XUF bc5P4b ֢  WkAlD^G;6.zQttlUq*Q9qC\cbXI|-.SN9=aqBqq}7㔆ŠIg_ۢ^+tۤ&:]V);t9RnffI,JhB]V)wrEUy5uG_GTCɻjh:"HzF$z R'@l]d"yϴ3KÔ8VVk-Ȍ> endobj 629 0 obj <>stream HVkL6=CN_e&0Š҄4 Nye!KJZi6_jJ][Y)j[QJPӨ:;6ilks~s94d4LKdQ[_d]]z_=I@T=57k/W !#g"0FۆG{4&g3Ql2W_>ҷ&P.y9+5|\ \.jh zL5}+EIIXLh o . #p+"  StdZ㪷I#!>t`ez=_j}\#ɳSٚ\+qs*Bk׹8±XJs|:sŨ-}n}^Cݝ@nNL 0 A>n6)ERzVo~6ZCuPг`L[h'Ѱ)>`m2ftKt-D$ixJq͵q1y!á< Coĥ2W\u T@  EL)aJ sR3 kʒ\ų}a7d;cv&rz@^񗍫$ol0i}]kMtfCꘑ:O\#q4Rb!H+y aKgxB\a;ee>}_nnENʊʪr</ϳxy;'n&PVLO )Pǹ%`m~)V2)VvR[vRˑm|ϺCe6er*E"2-UW5?ϢgOO x*r⵷j^.?y*wmk b$UgvK%q" FRtR?+nn)әcїL"RIi,!4ɣ?/F66l>>:>kO w?qGHhxh _Lvm$ջl&. I)VޟV 6ɥ_Jr;&-::s!ߜb+们eu͵oOe4SȔ endstream endobj 630 0 obj <> endobj 631 0 obj <>stream HVklU;hvnҵv X][hjE4 J+fG_5@ V٨CcDoW #&`$ >"VM1*jT减_||s;3g LBC֝cFq4`9{p!ثm?Z{;_o .#B"qx)5b|-H*Nށ=,*,t-x\R^4;<{rŠ(^=r<}q7 #_#_AS阨 !ʡ,mjТA9驕EZc++ˊ=MaDYڢOuGSHYh+Be95W2\MuUbeUp{kSReνYx tuA%h̤Q/ϬK 4IAJ/)XPP3UƸ(-PTY) Pp Q`+W Gzm2I<g3r,8؎%{e35c>Zj~26*|ly]^|Vw||bwNNjƠn*:(R˸ʃ+|5k:wβ*mӟ]_wMBn~8?5P0`cqb@. 5|ٶepѼQD=5ۂyA ֯mORp`6a=XG})0a`EL8?bԉqeϧH=|합cLhk 6¬K}vjwJ>ujxOXENs]m/) 0Yi3 endstream endobj 632 0 obj <> endobj 633 0 obj <>stream HWmp~Ne[egq';d>\BkaS '0dKF62VSb  dNK;Y4V4:g;3M餓NZ:mIw:;@P~;zvc}w̐zG"5;P2590 7Hݼ1'J[;5ʛRpY&@ʫRSGC٘cu>`ɰFOe!s8"ifϮ@px!ڌоsd"o:'MWNO` (LfpJhO:AkU{j|1]zWcp&(}އG*F +A.%P& di@_z4_ Wa?ҕ]{@Gjϟ""Y}\V"/9`7Ļ%2I x d 14L2 ߇,\&N$i\&kI8"-Yd^WB7m\.ٿՏ55W~Ժ]NfԘMU ^2 B]|M_lC;m^+4";'eu4F‰X {tVFP.TWp UHo@"_ *a"ҖFsK3)()#XZ8{ s0Ph(NaV(4/0b"> 6J%XJ: Vj)%E%R*؉Օaovl%j'cؼ1?%oZ}JF=8$b@ &wR<$bʘqeҸMs=AuRƄfs祄(%≎aP+kuF5juF}|waenb+&iP!-e] #~YD6JA~M=?(^F(%1O߯kC(4"Fb|D"X>^,E* Q{eU,>(Rd _9~٢KbxlU,Kk00 LԠ0O[,mmҦ(ٶF}>C0eYa1Ųdq *ܒe{LQFsQcbu;JܟaNYñ eJkW 7EjS}X^F )a|g)sN7#C+Vq{u7?w=$>hc>v#B'.&k˾eiu.:pZWsef㖦jV5ZV5ϲfO]5Nj35ʪjhbuzdvSi]={[ysFڌ|o+nA7'y>Zʜ.|Nl"S335 $7shGw4ҭ 9K6;B^ Jc7%N0eg+K=4k,;*%&;~c`gk|:H`> .\#36T]Yp9yco @5~qĕM7lj oo(`~u3ȵVG.2'# +>EfȀ-]VJ(m)}=sa? vXZ]dU4@ 8C!i܀{m閎t|Ѓ] !68 csI8O#ӼZCO>0!l}x!\_693[r-F.,0`vrypڱ@.Er~nf⥛l\?K} Ut,f?>kXj 0V endstream endobj 634 0 obj <> endobj 635 0 obj <>stream H|V{P?{. .E6~,nװ<"u&5Z褻Hx(ZHĠ[11j|4qrtƌ8[P4$3Fڴ蹻,tg{y x(~a ߷&a`$oYߴl@8`YW[U3쿺 ޅp!:wM-0㘾*=,/kj p 2;k/zb~Vx}>ó*]y;qU -W\mC~NiځJ2JNJXq?N8n?ȣs+Q(8a"8)⥳ s@>iZL % !wџӢA_Qp+M9%.Xwt8:t88j0#4Fm㠰·JB i_S#tQ1C P~MEbK|}N vEqӳ%>zȮn*M`qۺ0ZJnkXᣅv 0Th[G-F.N^@wNSTM +|QAQ.YF fvG _O!PݭovDn&֘f-lv@/Eo݀LAVlHb+jPOa ;6[`EPϽ6SHR\hR.]c+@`Za [ ԔE! TbⲈj&HO fJ> Nqt~Ќrq^h&YZ "= l/2g sb< <bWPRÃ.'MumH֮ nyU( 0.;C[I(9(ET,N#V~cH׍|AORB5:&|běS}F%&yv(L esX:L+=rXK|ڽoj߾BH6$֤V{lNӶpUk׹n!7/|Cvf+.R7A=(¬^ClE^nk]Jo U#4U;yU3jBpG\XikRtةedJq;D\q&y!c ן_6ˤHć6M&G+a]g' e5;^cEzI p}o8+ײYjdvר{w]]mH\PF'&r1dXdb32feIdY#L>je1x㝖|3+Zȳ_|%O孁e׫G<Ֆ/qWWx'ұK'T7N1ijrxwɢVJ[w*Ey/cLrrʄ~SRy̢'3PT,Ƹy9ܜdJ&IS^{K8)5r-qi[{Y h X",`2IV4fv¶Am(53 N)ˌl :#nُ#&]Kt-?͹s}s75T yJQmT0ߜe zͩ * iuB |%lmgN BOoOMNU^yŮCVyGm W_'ɸqf odn[-q:bMahq#iS.| :&/; N籊2VXIkǶN=&&GM'xS5رCMۚ뚺N~Rh_;[-դ?*k 5&w{73?gK5fxJ:asyIgXSk'i^_X^PVV^XErOCGτ!nڳi/8OKx3 > kygĒ~R Y PPu%JY$`פ)ERkBxk|͕e 4uqJkHYf䁩ZNq8P[5/ۃ_:;;O?ŁSG3mtڼ3iepI!kaa{"#ʏ'8dDIFx QD<㿶#Є\V]\D2:Sٴ X^Ehmf"U̕? 2<2q\Ki 5PI [i7v SuRThWUR yuT!U!C[ViN ktݦFh>;T"j#."}na]cmz 3 7v-FoՓl'$ p  @gb@bf>4 ;@ 3sxr,I =tl=];"{b~ՙ+;VEwzFv ;O g> endobj 637 0 obj <>stream HlV Py$I]$d&;"֤" YKƦun[w}VmZwZvz%O{|;M>{fSwk[j0{;pl8@o"QI0-]=pIqEw^ZN[7ν"_W3{\6ty~|sk߻ '=}q'q@bx exFFZ @/ ?& RXȫ`Bt(\$``DUfuɭQYJ]*)P*s9jTS 8Kچ56F\88Thw\WԊ}BU.kx/x"vU֡z :XeW+vEqTg*Ui#{:le*UmZaW!0<GNET}$IIY$Bh8Q=t7Ѧ!ڄ$.g+!#26LL@@+8fl)h Я\(*&fLI K{n0C_>o0g=';̱OhOi] 2Lq[QIJ}2nhFETe܎Tܚ:N݀ Tr eЬ K>/Y.Jd'6Ors})N_I -9(ezM5k7HΑYȿ/?,R"]OD pEp7_ߠt(?0hDLAΤy/9oѹ~y&U~Fg•ʌ6;itz9q0=)ONUQӦu^,wz6TfzZ]I^:GT|8&k"o9FGK{ՅDEs̬33*Kf"$ R+bd`K&%DfQR iS.AKBA"PO>C=7 ugsswϽhˁ6@{t׉enSb)oKp]+V7j[z0]8y^i/F:I/_|~9Gn9zYM}_O_,R_.w3|7:9p\Tmۖ̆ Ax*6 _Ê#pj|lB6S U Vq(шuRս9өP7GlqX6ȉRը04VJH+O`r~5\gGN!qfPq6cg3 pCx4։,snК~$}?eFy@+Y("l G ]`8U:삕Ԭ_EQ> endobj 639 0 obj <>stream HVmL[~ι6lqoHhI Űv#$4Um?nҒicoMHJє?*UNشLneZ)4dYUe~nGzy?{9(>A_N{Փ\;:hK?,Q Es]1 8ޤܻ?:6-u&bCiJYϑqA S'F^%@):[OR~'Q$Mܼze ?>P%d?TZY؏q\#"7ʳ1&t@ڄ-xlapkב !pӑ%~Qʒve?(X@C Vm;' =MPT2#H.'6D[wD"MA6jM"B e4Aa tB O">HPh9}~dk :(lfްh D b.%h>h{0@;о397a$@Wo(D1' *ۃ"7 8J6'zWڠbxɆT*LE|O%*m~IdB+R Enp(Z۵1a xp#AdҪk8g ZxC+M1H$"y'1=!zz}/;l1$=a=?E:1-ZJɿk)u#G%@ڇf?F ҋؙr)}_C\XzAAzϨ#[Vyj.(eYMuPsP:Pο=)rot55H1'a)#}T炭ZC2UAJϞǶI+1H;~cO"O}/sG(XsrL/DuS<.](eG#nO\rZyS[X<˦SR UbI ER{ٌ1#g3)gMIW*/Tiv˺r9,t@[E{8r'%,[=,x/Z#I43e14I8f$/cw%wP܌bǙTڸEXןw~?͉ӭ|D+E MjĦl~*HkdVWijgev}K?lB,V {X#T%;v%9韖fd,`߁}5=#x,Oc؇$^J #$q(f0!xH]q8→3w,3tgRZ?P Sv|즁U}uFmZ 8[ -S}c]+Mֳk&&׾Cw endstream endobj 640 0 obj <> endobj 641 0 obj <>stream HTOHaͿuwmC f[3IHCʺa7+/ڸ;D *$u<ԥХ7ovɄi~%!z{}o@Pq(hI^BRX_t ?L[fw\Z)CiBOFWtvxt74̺)JW__=_D?!&wUQT }&9k,1%@S(cnWKSvZZ/ɫTv-MZ?!p[ߩb;N~‡ |?}U {>Ft4XF=.VȺX%b #auqkdu,Lσ0@mqXZ1$2NRqD#<0E½# -H!GLa\k;죞m>-O-ķs?P}`; endstream endobj 74 0 obj <> endobj 136 0 obj <> endobj 137 0 obj <> endobj 456 0 obj <> endobj 75 0 obj <> endobj 642 0 obj <>/DW 1000/W[11[854]]/CIDToGIDMap/Identity>> endobj 76 0 obj <> endobj 77 0 obj <> endobj 78 0 obj <> endobj 79 0 obj <> endobj 80 0 obj <> endobj 81 0 obj <> endobj 82 0 obj <> endobj 83 0 obj <> endobj 216 0 obj <> endobj 432 0 obj <> endobj 643 0 obj <>stream HTPN0 A I cՁ!uG["Q'rӡoOb-}{EM&GqgGP`GWYtF\:<4iFf;u -9!WB-\"(h[8 yyU/auC[\6ȚfF)5gA'k̷fqn??Vϼ|Շ٘rx1-8oY-`k endstream endobj 7 0 obj <> endobj 87 0 obj <> endobj 138 0 obj <> endobj 217 0 obj <> endobj 433 0 obj <> endobj 457 0 obj <> endobj 548 0 obj <> endobj 644 0 obj <> endobj 645 0 obj <> endobj 86 0 obj <> endobj 604 0 obj <> endobj 602 0 obj <> endobj 599 0 obj <> endobj 597 0 obj <> endobj 594 0 obj <> endobj 592 0 obj <> endobj 589 0 obj <> endobj 587 0 obj <> endobj 584 0 obj <> endobj 582 0 obj <> endobj 579 0 obj <> endobj 577 0 obj <> endobj 574 0 obj <> endobj 572 0 obj <> endobj 569 0 obj <> endobj 567 0 obj <> endobj 564 0 obj <> endobj 562 0 obj <> endobj 559 0 obj <> endobj 557 0 obj <> endobj 555 0 obj <> endobj 553 0 obj <> endobj 551 0 obj <> endobj 549 0 obj <> endobj 541 0 obj <> endobj 539 0 obj <> endobj 536 0 obj <> endobj 534 0 obj <> endobj 531 0 obj <> endobj 529 0 obj <> endobj 526 0 obj <> endobj 524 0 obj <> endobj 521 0 obj <> endobj 519 0 obj <> endobj 516 0 obj <> endobj 514 0 obj <> endobj 511 0 obj <> endobj 509 0 obj <> endobj 506 0 obj <> endobj 504 0 obj <> endobj 501 0 obj <> endobj 499 0 obj <> endobj 496 0 obj <> endobj 494 0 obj <> endobj 491 0 obj <> endobj 489 0 obj <> endobj 486 0 obj <> endobj 484 0 obj <> endobj 481 0 obj <> endobj 479 0 obj <> endobj 476 0 obj <> endobj 474 0 obj <> endobj 472 0 obj <> endobj 470 0 obj <> endobj 468 0 obj <> endobj 466 0 obj <> endobj 464 0 obj <> endobj 462 0 obj <> endobj 460 0 obj <> endobj 458 0 obj <> endobj 448 0 obj <><><><><><><><><><><><><><>]/Pg 433 0 R>> endobj 446 0 obj <> endobj 444 0 obj <> endobj 442 0 obj <> endobj 440 0 obj <> endobj 438 0 obj <> endobj 436 0 obj <> endobj 434 0 obj <> endobj 428 0 obj <> endobj 426 0 obj <> endobj 424 0 obj <><><><><><><><><><><><>]/Pg 217 0 R>> endobj 422 0 obj <> endobj 420 0 obj <> endobj 418 0 obj <> endobj 415 0 obj <> endobj 413 0 obj <> endobj 410 0 obj <> endobj 408 0 obj <> endobj 405 0 obj <> endobj 403 0 obj <> endobj 401 0 obj <> endobj 399 0 obj <> endobj 396 0 obj <> endobj 394 0 obj <> endobj 391 0 obj <> endobj 389 0 obj <> endobj 386 0 obj <> endobj 384 0 obj <> endobj 381 0 obj <> endobj 379 0 obj <> endobj 377 0 obj <> endobj 375 0 obj <> endobj 372 0 obj <> endobj 370 0 obj <> endobj 367 0 obj <> endobj 365 0 obj <> endobj 362 0 obj <> endobj 360 0 obj <> endobj 357 0 obj <> endobj 355 0 obj <> endobj 352 0 obj <> endobj 350 0 obj <> endobj 347 0 obj <> endobj 345 0 obj <> endobj 342 0 obj <> endobj 340 0 obj <> endobj 337 0 obj <> endobj 335 0 obj <> endobj 332 0 obj <> endobj 330 0 obj <> endobj 327 0 obj <> endobj 325 0 obj <> endobj 322 0 obj <> endobj 320 0 obj <> endobj 318 0 obj <> endobj 316 0 obj <> endobj 313 0 obj <> endobj 311 0 obj <> endobj 308 0 obj <> endobj 306 0 obj <> endobj 303 0 obj <> endobj 301 0 obj <> endobj 298 0 obj <> endobj 296 0 obj <> endobj 294 0 obj <> endobj 292 0 obj <> endobj 289 0 obj <> endobj 287 0 obj <> endobj 284 0 obj <> endobj 282 0 obj <> endobj 279 0 obj <> endobj 277 0 obj <> endobj 274 0 obj <> endobj 272 0 obj <> endobj 269 0 obj <> endobj 267 0 obj <> endobj 264 0 obj <> endobj 262 0 obj <> endobj 260 0 obj <> endobj 258 0 obj <> endobj 255 0 obj <> endobj 253 0 obj <> endobj 250 0 obj <> endobj 248 0 obj <> endobj 245 0 obj <> endobj 243 0 obj <> endobj 240 0 obj <> endobj 238 0 obj <> endobj 235 0 obj <> endobj 233 0 obj <> endobj 230 0 obj <> endobj 228 0 obj <> endobj 226 0 obj <> endobj 224 0 obj <> endobj 222 0 obj <> endobj 220 0 obj <> endobj 218 0 obj <> endobj 210 0 obj <> endobj 208 0 obj <> endobj 206 0 obj <> endobj 203 0 obj <> endobj 201 0 obj <> endobj 198 0 obj <> endobj 196 0 obj <> endobj 193 0 obj <> endobj 191 0 obj <> endobj 188 0 obj <> endobj 186 0 obj <> endobj 183 0 obj <> endobj 181 0 obj <> endobj 178 0 obj <> endobj 176 0 obj <> endobj 173 0 obj <> endobj 171 0 obj <> endobj 168 0 obj <> endobj 166 0 obj <> endobj 163 0 obj <> endobj 161 0 obj <> endobj 159 0 obj <> endobj 157 0 obj <> endobj 155 0 obj <> endobj 153 0 obj <> endobj 151 0 obj <> endobj 149 0 obj <> endobj 147 0 obj <> endobj 145 0 obj <> endobj 143 0 obj <> endobj 141 0 obj <> endobj 139 0 obj <> endobj 126 0 obj <> endobj 124 0 obj <> endobj 122 0 obj <> endobj 120 0 obj <> endobj 117 0 obj <> endobj 115 0 obj <> endobj 112 0 obj <> endobj 110 0 obj <> endobj 107 0 obj <> endobj 105 0 obj <> endobj 102 0 obj <> endobj 100 0 obj <> endobj 98 0 obj <> endobj 96 0 obj <> endobj 94 0 obj <> endobj 92 0 obj <> endobj 90 0 obj <> endobj 88 0 obj <> endobj 70 0 obj <> endobj 68 0 obj <> endobj 66 0 obj <> endobj 64 0 obj <> endobj 62 0 obj <> endobj 60 0 obj <> endobj 58 0 obj <> endobj 56 0 obj <> endobj 53 0 obj <> endobj 51 0 obj <> endobj 48 0 obj <> endobj 46 0 obj <> endobj 44 0 obj <> endobj 42 0 obj <> endobj 40 0 obj <> endobj 38 0 obj <> endobj 36 0 obj <> endobj 34 0 obj <> endobj 32 0 obj <> endobj 30 0 obj <> endobj 28 0 obj <> endobj 26 0 obj <> endobj 24 0 obj <> endobj 22 0 obj <> endobj 18 0 obj <> endobj 16 0 obj <> endobj 14 0 obj <> endobj 12 0 obj <> endobj 10 0 obj <> endobj 8 0 obj <> endobj 646 0 obj [10 0 R 10 0 R 10 0 R 14 0 R 18 0 R 18 0 R 20 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 24 0 R 26 0 R 26 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 28 0 R 30 0 R 30 0 R 30 0 R 30 0 R 30 0 R 30 0 R 30 0 R 30 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 32 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 34 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 36 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 38 0 R 40 0 R 40 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 42 0 R 48 0 R 48 0 R 50 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 48 0 R 53 0 R 53 0 R 55 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 53 0 R 58 0 R 58 0 R 58 0 R 62 0 R 62 0 R 64 0 R 68 0 R 68 0 R 68 0 R 68 0 R 68 0 R 68 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R 70 0 R] endobj 647 0 obj [90 0 R 90 0 R 90 0 R 94 0 R 98 0 R 98 0 R 102 0 R 102 0 R 102 0 R 104 0 R 102 0 R 102 0 R 102 0 R 102 0 R 102 0 R 102 0 R 102 0 R 102 0 R 107 0 R 107 0 R 109 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 107 0 R 112 0 R 112 0 R 114 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 112 0 R 117 0 R 117 0 R 119 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 117 0 R 120 0 R 120 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 122 0 R 124 0 R 124 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 126 0 R 128 0 R 130 0 R] endobj 648 0 obj [141 0 R 141 0 R 141 0 R 145 0 R 149 0 R 149 0 R 151 0 R 151 0 R 151 0 R 151 0 R 151 0 R 151 0 R 151 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 153 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 155 0 R 157 0 R 157 0 R 157 0 R 157 0 R 157 0 R 157 0 R 163 0 R 163 0 R 163 0 R 165 0 R 163 0 R 163 0 R 168 0 R 168 0 R 168 0 R 170 0 R 168 0 R 168 0 R 173 0 R 173 0 R 173 0 R 175 0 R 178 0 R 178 0 R 178 0 R 180 0 R 178 0 R 178 0 R 178 0 R 178 0 R 178 0 R 178 0 R 183 0 R 183 0 R 183 0 R 185 0 R 183 0 R 183 0 R 188 0 R 188 0 R 188 0 R 190 0 R 188 0 R 188 0 R 193 0 R 193 0 R 193 0 R 195 0 R 193 0 R 193 0 R 198 0 R 198 0 R 200 0 R 198 0 R 198 0 R 203 0 R 203 0 R 203 0 R 205 0 R 203 0 R 203 0 R 203 0 R 203 0 R 206 0 R 206 0 R 208 0 R 208 0 R 208 0 R 208 0 R 208 0 R 208 0 R 208 0 R 208 0 R 208 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 210 0 R 212 0 R] endobj 649 0 obj [220 0 R 220 0 R 220 0 R 224 0 R 230 0 R 230 0 R 232 0 R 235 0 R 235 0 R 237 0 R 240 0 R 240 0 R 242 0 R 245 0 R 245 0 R 247 0 R 250 0 R 250 0 R 252 0 R 255 0 R 255 0 R 257 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 258 0 R 264 0 R 264 0 R 266 0 R 269 0 R 269 0 R 271 0 R 274 0 R 274 0 R 276 0 R 279 0 R 279 0 R 281 0 R 284 0 R 284 0 R 286 0 R 289 0 R 289 0 R 291 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 292 0 R 298 0 R 298 0 R 300 0 R 303 0 R 303 0 R 305 0 R 308 0 R 308 0 R 310 0 R 313 0 R 313 0 R 315 0 R 316 0 R 316 0 R 316 0 R 316 0 R 316 0 R 316 0 R 316 0 R 316 0 R 316 0 R 322 0 R 322 0 R 324 0 R 327 0 R 327 0 R 329 0 R 332 0 R 332 0 R 334 0 R 337 0 R 337 0 R 339 0 R 342 0 R 342 0 R 344 0 R 347 0 R 347 0 R 349 0 R 352 0 R 352 0 R 354 0 R 357 0 R 357 0 R 359 0 R 362 0 R 362 0 R 364 0 R 367 0 R 367 0 R 369 0 R 372 0 R 372 0 R 374 0 R 375 0 R 375 0 R 375 0 R 375 0 R 375 0 R 375 0 R 375 0 R 381 0 R 381 0 R 383 0 R 386 0 R 386 0 R 388 0 R 391 0 R 391 0 R 393 0 R 396 0 R 396 0 R 398 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 399 0 R 405 0 R 405 0 R 407 0 R 410 0 R 410 0 R 412 0 R 415 0 R 415 0 R 417 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 418 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 420 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 422 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R 428 0 R] endobj 650 0 obj [436 0 R 436 0 R 436 0 R 440 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 424 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 442 0 R 444 0 R 444 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 446 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 450 0 R 452 0 R] endobj 651 0 obj [460 0 R 460 0 R 460 0 R 464 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 448 0 R 466 0 R 466 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 468 0 R 470 0 R 470 0 R 476 0 R 476 0 R 476 0 R 478 0 R 476 0 R 476 0 R 476 0 R 476 0 R 476 0 R 481 0 R 481 0 R 481 0 R 483 0 R 481 0 R 481 0 R 481 0 R 486 0 R 486 0 R 488 0 R 491 0 R 491 0 R 493 0 R 491 0 R 491 0 R 491 0 R 491 0 R 491 0 R 491 0 R 496 0 R 496 0 R 496 0 R 496 0 R 498 0 R 496 0 R 496 0 R 501 0 R 501 0 R 503 0 R 501 0 R 501 0 R 501 0 R 501 0 R 501 0 R 501 0 R 501 0 R 501 0 R 501 0 R 506 0 R 506 0 R 506 0 R 508 0 R 511 0 R 511 0 R 511 0 R 513 0 R 516 0 R 516 0 R 518 0 R 516 0 R 516 0 R 516 0 R 516 0 R 516 0 R 521 0 R 521 0 R 523 0 R 521 0 R 521 0 R 521 0 R 521 0 R 521 0 R 526 0 R 526 0 R 528 0 R 526 0 R 526 0 R 526 0 R 526 0 R 526 0 R 526 0 R 526 0 R 531 0 R 531 0 R 533 0 R 531 0 R 531 0 R 531 0 R 531 0 R 531 0 R 531 0 R 536 0 R 536 0 R 538 0 R 541 0 R 541 0 R 543 0 R 541 0 R 541 0 R 541 0 R 541 0 R 541 0 R 541 0 R 541 0 R 541 0 R 541 0 R 544 0 R] endobj 652 0 obj [551 0 R 551 0 R 551 0 R 555 0 R 559 0 R 559 0 R 559 0 R 561 0 R 559 0 R 559 0 R 559 0 R 559 0 R 559 0 R 559 0 R 559 0 R 564 0 R 566 0 R 564 0 R 564 0 R 564 0 R 564 0 R 564 0 R 564 0 R 569 0 R 569 0 R 571 0 R 569 0 R 569 0 R 569 0 R 569 0 R 569 0 R 569 0 R 569 0 R 574 0 R 574 0 R 576 0 R 574 0 R 574 0 R 574 0 R 574 0 R 574 0 R 574 0 R 579 0 R 579 0 R 581 0 R 584 0 R 584 0 R 584 0 R 586 0 R 584 0 R 584 0 R 584 0 R 584 0 R 584 0 R 589 0 R 589 0 R 589 0 R 591 0 R 589 0 R 589 0 R 594 0 R 594 0 R 594 0 R 594 0 R 594 0 R 594 0 R 594 0 R 596 0 R 594 0 R 594 0 R 594 0 R 594 0 R 594 0 R 599 0 R 599 0 R 599 0 R 601 0 R 604 0 R 604 0 R 606 0 R 607 0 R] endobj 653 0 obj <> endobj 4 0 obj <>/K 5 0 R>> endobj 654 0 obj << /Dt (D:20201113104332) /JTM (Distiller) >> endobj 655 0 obj /This endobj 656 0 obj << /CP (Distiller) /Fi 655 0 R >> endobj 657 0 obj << /R [ 300.000 300.000 ]>> endobj 658 0 obj << /JTF 0 /MB [ 0.000 0.000 603.000 783.000 ]/R 657 0 R /W [ 0 6 ]>> endobj 659 0 obj << /Fi [ 656 0 R ]/P [ 658 0 R ]>> endobj 660 0 obj << /Dm [ 603.000 783.000 603.000 783.000 ]>> endobj 661 0 obj << /Me 660 0 R >> endobj 662 0 obj << /D [ 659 0 R ]/MS 661 0 R /Type /JobTicketContents >> endobj 663 0 obj << /A [ 654 0 R ]/Cn [ 662 0 R ]/V 1.100 >> endobj 3 0 obj <> endobj 664 0 obj <>stream QuarkXPress(R) 16.11 2020-11-13T10:43:29-06:00 2020-11-13T10:43:29-06:00 QuarkXPress(R) 16.11 %%DocumentProcessColors: Cyan Magenta Yellow Black %%EndComments Layout 1 Sally Kennedy endstream endobj 1 0 obj <>/Lang(en-US)/MarkInfo<>>> endobj 453 0 obj <> endobj 21 0 obj <> endobj 129 0 obj <> endobj 451 0 obj <> endobj 608 0 obj <> endobj 131 0 obj <> endobj 213 0 obj <> endobj 545 0 obj <> endobj 2 0 obj <<>> endobj xref 0 665 0000000000 65535 f 0000297416 00000 n 0000298287 00000 n 0000293838 00000 n 0000293135 00000 n 0000136705 00000 n 0000136436 00000 n 0000265529 00000 n 0000284533 00000 n 0000000000 00000 f 0000284482 00000 n 0000000000 00000 f 0000284436 00000 n 0000000000 00000 f 0000284389 00000 n 0000000000 00000 f 0000284343 00000 n 0000000000 00000 f 0000284293 00000 n 0000000000 00000 f 0000000016 00000 n 0000297718 00000 n 0000283896 00000 n 0000000000 00000 f 0000283769 00000 n 0000000000 00000 f 0000283717 00000 n 0000000000 00000 f 0000283620 00000 n 0000000000 00000 f 0000283550 00000 n 0000000000 00000 f 0000283465 00000 n 0000000000 00000 f 0000283365 00000 n 0000000000 00000 f 0000283234 00000 n 0000000000 00000 f 0000283128 00000 n 0000000000 00000 f 0000283074 00000 n 0000000000 00000 f 0000282988 00000 n 0000000000 00000 f 0000282905 00000 n 0000000000 00000 f 0000282853 00000 n 0000000000 00000 f 0000282731 00000 n 0000000000 00000 f 0000000086 00000 n 0000282679 00000 n 0000000000 00000 f 0000282565 00000 n 0000000000 00000 f 0000000137 00000 n 0000282519 00000 n 0000000000 00000 f 0000282461 00000 n 0000000000 00000 f 0000282407 00000 n 0000000000 00000 f 0000282353 00000 n 0000000000 00000 f 0000282304 00000 n 0000000000 00000 f 0000282250 00000 n 0000000000 00000 f 0000282180 00000 n 0000000000 00000 f 0000281794 00000 n 0000000000 00000 f 0000000188 00000 n 0000029844 00000 n 0000259914 00000 n 0000261362 00000 n 0000261714 00000 n 0000262315 00000 n 0000263015 00000 n 0000263689 00000 n 0000263860 00000 n 0000264024 00000 n 0000264187 00000 n 0000264562 00000 n 0000207283 00000 n 0000207433 00000 n 0000267170 00000 n 0000265751 00000 n 0000281748 00000 n 0000000000 00000 f 0000281695 00000 n 0000000000 00000 f 0000281649 00000 n 0000000000 00000 f 0000281601 00000 n 0000000000 00000 f 0000281555 00000 n 0000000000 00000 f 0000281504 00000 n 0000000000 00000 f 0000281449 00000 n 0000000000 00000 f 0000281366 00000 n 0000000000 00000 f 0000030041 00000 n 0000281311 00000 n 0000000000 00000 f 0000281213 00000 n 0000000000 00000 f 0000030093 00000 n 0000281158 00000 n 0000000000 00000 f 0000281060 00000 n 0000000000 00000 f 0000030146 00000 n 0000281005 00000 n 0000000000 00000 f 0000280886 00000 n 0000000000 00000 f 0000030199 00000 n 0000280832 00000 n 0000000000 00000 f 0000280730 00000 n 0000000000 00000 f 0000280676 00000 n 0000000000 00000 f 0000280469 00000 n 0000000000 00000 f 0000030252 00000 n 0000297797 00000 n 0000030327 00000 n 0000298045 00000 n 0000136764 00000 n 0000141272 00000 n 0000030402 00000 n 0000049013 00000 n 0000260124 00000 n 0000260758 00000 n 0000265976 00000 n 0000280421 00000 n 0000000000 00000 f 0000280365 00000 n 0000000000 00000 f 0000280317 00000 n 0000000000 00000 f 0000280266 00000 n 0000000000 00000 f 0000280218 00000 n 0000000000 00000 f 0000280164 00000 n 0000000000 00000 f 0000280098 00000 n 0000000000 00000 f 0000279980 00000 n 0000000000 00000 f 0000279895 00000 n 0000000000 00000 f 0000279828 00000 n 0000000000 00000 f 0000279718 00000 n 0000000000 00000 f 0000279662 00000 n 0000000000 00000 f 0000279593 00000 n 0000000000 00000 f 0000049238 00000 n 0000279537 00000 n 0000000000 00000 f 0000279468 00000 n 0000000000 00000 f 0000049292 00000 n 0000279412 00000 n 0000000000 00000 f 0000279349 00000 n 0000000000 00000 f 0000049346 00000 n 0000279293 00000 n 0000000000 00000 f 0000279212 00000 n 0000000000 00000 f 0000049400 00000 n 0000279156 00000 n 0000000000 00000 f 0000279087 00000 n 0000000000 00000 f 0000049454 00000 n 0000279031 00000 n 0000000000 00000 f 0000278962 00000 n 0000000000 00000 f 0000049508 00000 n 0000278906 00000 n 0000000000 00000 f 0000278837 00000 n 0000000000 00000 f 0000049562 00000 n 0000278781 00000 n 0000000000 00000 f 0000278713 00000 n 0000000000 00000 f 0000049616 00000 n 0000278657 00000 n 0000000000 00000 f 0000278575 00000 n 0000000000 00000 f 0000049671 00000 n 0000278518 00000 n 0000000000 00000 f 0000278433 00000 n 0000000000 00000 f 0000278320 00000 n 0000000000 00000 f 0000049726 00000 n 0000298127 00000 n 0000049802 00000 n 0000067222 00000 n 0000264902 00000 n 0000266202 00000 n 0000278272 00000 n 0000000000 00000 f 0000278216 00000 n 0000000000 00000 f 0000278168 00000 n 0000000000 00000 f 0000278117 00000 n 0000000000 00000 f 0000278031 00000 n 0000000000 00000 f 0000277975 00000 n 0000000000 00000 f 0000277917 00000 n 0000000000 00000 f 0000067387 00000 n 0000277861 00000 n 0000000000 00000 f 0000277803 00000 n 0000000000 00000 f 0000067440 00000 n 0000277747 00000 n 0000000000 00000 f 0000277687 00000 n 0000000000 00000 f 0000067493 00000 n 0000277631 00000 n 0000000000 00000 f 0000277571 00000 n 0000000000 00000 f 0000067547 00000 n 0000277515 00000 n 0000000000 00000 f 0000277455 00000 n 0000000000 00000 f 0000067601 00000 n 0000277399 00000 n 0000000000 00000 f 0000277339 00000 n 0000000000 00000 f 0000067655 00000 n 0000277260 00000 n 0000000000 00000 f 0000277174 00000 n 0000000000 00000 f 0000277118 00000 n 0000000000 00000 f 0000277058 00000 n 0000000000 00000 f 0000067709 00000 n 0000277002 00000 n 0000000000 00000 f 0000276942 00000 n 0000000000 00000 f 0000067763 00000 n 0000276886 00000 n 0000000000 00000 f 0000276826 00000 n 0000000000 00000 f 0000067817 00000 n 0000276770 00000 n 0000000000 00000 f 0000276710 00000 n 0000000000 00000 f 0000067871 00000 n 0000276654 00000 n 0000000000 00000 f 0000276594 00000 n 0000000000 00000 f 0000067925 00000 n 0000276538 00000 n 0000000000 00000 f 0000276478 00000 n 0000000000 00000 f 0000067979 00000 n 0000276387 00000 n 0000000000 00000 f 0000276317 00000 n 0000000000 00000 f 0000276261 00000 n 0000000000 00000 f 0000276201 00000 n 0000000000 00000 f 0000068033 00000 n 0000276145 00000 n 0000000000 00000 f 0000276085 00000 n 0000000000 00000 f 0000068087 00000 n 0000276029 00000 n 0000000000 00000 f 0000275969 00000 n 0000000000 00000 f 0000068141 00000 n 0000275913 00000 n 0000000000 00000 f 0000275853 00000 n 0000000000 00000 f 0000068195 00000 n 0000275777 00000 n 0000000000 00000 f 0000275651 00000 n 0000000000 00000 f 0000275595 00000 n 0000000000 00000 f 0000275535 00000 n 0000000000 00000 f 0000068249 00000 n 0000275479 00000 n 0000000000 00000 f 0000275419 00000 n 0000000000 00000 f 0000068303 00000 n 0000275363 00000 n 0000000000 00000 f 0000275303 00000 n 0000000000 00000 f 0000068357 00000 n 0000275247 00000 n 0000000000 00000 f 0000275187 00000 n 0000000000 00000 f 0000068411 00000 n 0000275131 00000 n 0000000000 00000 f 0000275071 00000 n 0000000000 00000 f 0000068465 00000 n 0000275015 00000 n 0000000000 00000 f 0000274953 00000 n 0000000000 00000 f 0000068519 00000 n 0000274897 00000 n 0000000000 00000 f 0000274835 00000 n 0000000000 00000 f 0000068574 00000 n 0000274779 00000 n 0000000000 00000 f 0000274717 00000 n 0000000000 00000 f 0000068629 00000 n 0000274661 00000 n 0000000000 00000 f 0000274599 00000 n 0000000000 00000 f 0000068684 00000 n 0000274543 00000 n 0000000000 00000 f 0000274481 00000 n 0000000000 00000 f 0000068739 00000 n 0000274425 00000 n 0000000000 00000 f 0000274363 00000 n 0000000000 00000 f 0000068794 00000 n 0000274286 00000 n 0000000000 00000 f 0000274216 00000 n 0000000000 00000 f 0000274160 00000 n 0000000000 00000 f 0000274098 00000 n 0000000000 00000 f 0000068849 00000 n 0000274042 00000 n 0000000000 00000 f 0000273980 00000 n 0000000000 00000 f 0000068904 00000 n 0000273924 00000 n 0000000000 00000 f 0000273862 00000 n 0000000000 00000 f 0000068959 00000 n 0000273806 00000 n 0000000000 00000 f 0000273744 00000 n 0000000000 00000 f 0000069014 00000 n 0000273655 00000 n 0000000000 00000 f 0000273593 00000 n 0000000000 00000 f 0000273537 00000 n 0000000000 00000 f 0000273475 00000 n 0000000000 00000 f 0000069069 00000 n 0000273419 00000 n 0000000000 00000 f 0000273357 00000 n 0000000000 00000 f 0000069124 00000 n 0000273301 00000 n 0000000000 00000 f 0000273239 00000 n 0000000000 00000 f 0000069179 00000 n 0000273134 00000 n 0000000000 00000 f 0000272985 00000 n 0000000000 00000 f 0000272888 00000 n 0000000000 00000 f 0000272437 00000 n 0000000000 00000 f 0000272389 00000 n 0000000000 00000 f 0000272295 00000 n 0000000000 00000 f 0000069234 00000 n 0000091781 00000 n 0000265073 00000 n 0000266428 00000 n 0000272247 00000 n 0000000000 00000 f 0000272191 00000 n 0000000000 00000 f 0000272143 00000 n 0000000000 00000 f 0000272092 00000 n 0000000000 00000 f 0000271995 00000 n 0000000000 00000 f 0000271940 00000 n 0000000000 00000 f 0000271837 00000 n 0000000000 00000 f 0000271316 00000 n 0000000000 00000 f 0000091947 00000 n 0000297881 00000 n 0000092022 00000 n 0000297638 00000 n 0000092097 00000 n 0000104424 00000 n 0000261200 00000 n 0000266654 00000 n 0000271268 00000 n 0000000000 00000 f 0000271212 00000 n 0000000000 00000 f 0000271164 00000 n 0000000000 00000 f 0000271113 00000 n 0000000000 00000 f 0000271058 00000 n 0000000000 00000 f 0000270931 00000 n 0000000000 00000 f 0000270876 00000 n 0000000000 00000 f 0000270646 00000 n 0000000000 00000 f 0000270590 00000 n 0000000000 00000 f 0000270512 00000 n 0000000000 00000 f 0000104598 00000 n 0000270456 00000 n 0000000000 00000 f 0000270384 00000 n 0000000000 00000 f 0000104652 00000 n 0000270328 00000 n 0000000000 00000 f 0000270268 00000 n 0000000000 00000 f 0000104706 00000 n 0000270212 00000 n 0000000000 00000 f 0000270134 00000 n 0000000000 00000 f 0000104760 00000 n 0000270078 00000 n 0000000000 00000 f 0000270006 00000 n 0000000000 00000 f 0000104814 00000 n 0000269950 00000 n 0000000000 00000 f 0000269863 00000 n 0000000000 00000 f 0000104868 00000 n 0000269807 00000 n 0000000000 00000 f 0000269744 00000 n 0000000000 00000 f 0000104922 00000 n 0000269688 00000 n 0000000000 00000 f 0000269623 00000 n 0000000000 00000 f 0000104976 00000 n 0000269567 00000 n 0000000000 00000 f 0000269485 00000 n 0000000000 00000 f 0000105031 00000 n 0000269429 00000 n 0000000000 00000 f 0000269347 00000 n 0000000000 00000 f 0000105086 00000 n 0000269291 00000 n 0000000000 00000 f 0000269201 00000 n 0000000000 00000 f 0000105141 00000 n 0000269145 00000 n 0000000000 00000 f 0000269059 00000 n 0000000000 00000 f 0000105196 00000 n 0000269003 00000 n 0000000000 00000 f 0000268941 00000 n 0000000000 00000 f 0000105251 00000 n 0000268885 00000 n 0000000000 00000 f 0000268787 00000 n 0000000000 00000 f 0000105306 00000 n 0000105361 00000 n 0000298211 00000 n 0000105437 00000 n 0000123448 00000 n 0000266880 00000 n 0000268739 00000 n 0000000000 00000 f 0000268683 00000 n 0000000000 00000 f 0000268635 00000 n 0000000000 00000 f 0000268584 00000 n 0000000000 00000 f 0000268528 00000 n 0000000000 00000 f 0000268449 00000 n 0000000000 00000 f 0000123613 00000 n 0000268393 00000 n 0000000000 00000 f 0000268318 00000 n 0000000000 00000 f 0000123666 00000 n 0000268262 00000 n 0000000000 00000 f 0000268181 00000 n 0000000000 00000 f 0000123720 00000 n 0000268125 00000 n 0000000000 00000 f 0000268047 00000 n 0000000000 00000 f 0000123774 00000 n 0000267991 00000 n 0000000000 00000 f 0000267931 00000 n 0000000000 00000 f 0000123828 00000 n 0000267875 00000 n 0000000000 00000 f 0000267797 00000 n 0000000000 00000 f 0000123882 00000 n 0000267741 00000 n 0000000000 00000 f 0000267672 00000 n 0000000000 00000 f 0000123936 00000 n 0000267616 00000 n 0000000000 00000 f 0000267526 00000 n 0000000000 00000 f 0000123990 00000 n 0000267470 00000 n 0000000000 00000 f 0000267407 00000 n 0000000000 00000 f 0000124044 00000 n 0000267351 00000 n 0000000000 00000 f 0000267291 00000 n 0000000000 00000 f 0000124098 00000 n 0000124152 00000 n 0000297965 00000 n 0000124227 00000 n 0000136295 00000 n 0000207581 00000 n 0000207781 00000 n 0000208306 00000 n 0000208630 00000 n 0000211999 00000 n 0000212341 00000 n 0000215569 00000 n 0000215766 00000 n 0000215996 00000 n 0000216217 00000 n 0000216278 00000 n 0000217996 00000 n 0000218203 00000 n 0000227374 00000 n 0000227567 00000 n 0000235419 00000 n 0000235615 00000 n 0000243872 00000 n 0000244079 00000 n 0000245926 00000 n 0000246119 00000 n 0000247729 00000 n 0000247915 00000 n 0000250100 00000 n 0000250293 00000 n 0000253747 00000 n 0000253942 00000 n 0000256972 00000 n 0000257168 00000 n 0000258989 00000 n 0000259180 00000 n 0000261501 00000 n 0000265244 00000 n 0000267106 00000 n 0000267132 00000 n 0000284578 00000 n 0000286529 00000 n 0000287646 00000 n 0000288777 00000 n 0000290588 00000 n 0000291119 00000 n 0000292370 00000 n 0000293037 00000 n 0000293284 00000 n 0000293347 00000 n 0000293371 00000 n 0000293422 00000 n 0000293467 00000 n 0000293553 00000 n 0000293605 00000 n 0000293667 00000 n 0000293702 00000 n 0000293777 00000 n 0000294125 00000 n trailer << /Size 665 /Root 1 0 R /Info 3 0 R /ID[<23b6241dbd31c80b9f2c2e18368fce93><23b6241dbd31c80b9f2c2e18368fce93>] >> startxref 298307 %%EOF