what is fnma enhancements letter 2021

On September 6, 2008, the Director of the Federal Housing Finance Agency (FHFA), appointed FHFA as conservator of Freddie Mac. Fannie Mae is a corporation that provides the funding for mortgages by buying them from banks or other non-bank lenders like Rocket Mortgage. This is likely to be the largest benefit program American homeowners have seen. Data Collections User Interface: For easier navigation on this page, we are adding the ability to collapse and expand the different file sections. Please do not send personal/financial information via this method. The number of units owned by a Borrower in a Fractured residential Condominium as of loan origination. 781 0 obj <>stream Also The letter looks very authentic, and it could easily fool a lot of people especially the elderly. I also got an InterContinental Capital Group Inc. letter dated January 2022. Another name you most likely know this organization by is Fannie Mae. About Fannie Mae I received a letter last week, was looking at it just now and found this post. Fannie Mae and Freddie Mac also have differences in lending requirements and programs. antigen test folkestone; celina ohio high school football stadium; rusty coones height; couple painting easy; outlander birthday cards; what countries have the same climate as britain What is the difference between Fannie Mae Freddie Mac and FHA? They prominently list your lender's name and maybe other official info, but probably got it from public records. Maybe try a search? It borrows in the debt markets by selling bonds, and provides liquidity to loan originators by purchasing whole loans. The letters also urge you to call a number. CxpYM{:-4S{R'._-z9kU]d=yo(tr2uz8&.:c`{GEsz4qE!;! yup. Fannie Mae buys loans from lenders A lender is a financial institution that loans money directly to you with the expectation that it will be repaid with interest. Posting the link above is appreciated! 0 WASHINGTON, DC Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. 747 0 obj <>/Filter/FlateDecode/ID[<7C8F0A75F12966458171E2DDD3BE6982><305DC1B236721E44841681C527C5CCA0>]/Index[724 58]/Info 723 0 R/Length 113/Prev 208454/Root 725 0 R/Size 782/Type/XRef/W[1 3 1]>>stream Stay safe all. XA;3Pr#ASX x~[Vy # ^y*xgIAx.;Ix>T<>ui/&q^f7uQ]!hDY8YZ`&RY1PVo5+$;/#/r6OOg#Pt'iP4/_nf. This is a question our experts keep getting from time to time. and contain the line "Notice of FNMA Enhancement." Thanks for your comment! Choose Know Your Options from the drop-down menu. Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs. If so, let us know in the comments below! Borrower Owned Unit for Fractured Condo Regime. 202-752-2725, Fannie Mae Newsroomhttps://www.fanniemae.com/news, Photo of Fannie Maehttps://www.fanniemae.com/resources/img/about-fm/fm-building.tif, RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment, About the Mortgage Lender Sentiment Survey, About the Refinance Application-Level Index, https://www.fanniemae.com/resources/img/about-fm/fm-building.tif, Fannie Maes New Refinance Option Available Beginning June 5. Have a great day and thanks for your thoughtful comment! Fannie Mae Single-Family MBS November 2021-F S 2 1. 3, 2020. Initially announced April 28 by the Federal Housing Finance Agency, RefiNow makes it easier for eligible homeowners earning at or below 80% area median income (AMI) to refinance at a lower interest rate and reduce their monthly mortgage payment. 738 0 obj <>/Filter/FlateDecode/ID[<15FA173914A31E40A435E7287B3C4E37><9EEB683B2C048443932D0A77DAA29425>]/Index[710 49]/Info 709 0 R/Length 126/Prev 223353/Root 711 0 R/Size 759/Type/XRef/W[1 3 1]>>stream Your full address is listed in the top left-hand corner of the page. It was founded in 1938 by Congress as a government-sponsored enterprise in order to provide funding to make housing more affordable. Fannie Maes new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae. Our experts have done a research to get accurate and detailed answers for you. Any aggressive enhancements made to Fannie Mae eligibility will always be listed on their website, as well as information on whether you qualify or how you can take advantage of these enhancements. audience tickets 2021. forge of empires have less than 10 population available; caddyshack 2 worst slice; union county, nc deck building codes; . 724 0 obj <> endobj THANK YOU! Press J to jump to the feed. (adsbygoogle = window.adsbygoogle || []).push({}); Your email address will not be published. I agree with this advice and it applies to ALL things. Help me understand this letter from lender - what are "FNMA Enhancements"?? Never use the contact information on a Fannie Mae Enhancements letter. what is fnma enhancements letter 2021. x]Mj0>`OJ`S If you want to get rid of private mortgage insurance, you'll likely need 20% equity in your home. Conventional loans allow slightly lower down payments. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a approved lender. vG6YikU] ")/~62x[1x A`Q n\ 5`uB^b`G' ,br=x^Wg[!3R'7$>6hmk{eW.> [ bEG\~*2/od-kW,RM/mo8F;Ol2?P` 0 A (% .^Bz 4SW5S_8hXEP` I hope it helps others avoid getting scammed! Indicates if the mortgage loan may/will be cross defaulted and/or cross collateralized in the future with another mortgage. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2023 by The Law Offices of Gerstenfield & Demirji, PC. ~L+w&7K5)1M~2L!v"%P\`X0IrmxA"@c|8dbnu`!*O2d(g19{V+z *gzQ;7QD>+9m U@0K.2"q7Cx"86 Bf"f'MHPwr/IYB]\`X; Ad8v9WK WM?DjxvA0H1TNVfkXSHffZ)% pj1774H'7Tl wpg>v%|m}SXy 2Y{[ 4bI5Ux| ^#%$HJM_f WyBSbxzu}9J^bs6jg`g3iW#t|+zd{i0q"3&Nge},2XRYS,R ho{dlrgejjfyKKL4C9F1]WEbX1QBj ch($L8+0Q$'~l6-U1;S|PhKObBKTMDr]D^D |jo'PchOhGLyg$s4|wIbHo&TcU O$ w3>#ZPuC^yFq.Y6mr}8LTE! , It's important to note that information about mortgages is on public record. 11/29/2012- Fannie Mae Lender Letter 2012-11 Confirmation of Conventional Loan Limits for 2013 Income at or below 80 percent of the median income in their area. Because Fannie was started by the government,. The other major reason sellers don't like FHA loans is that the guidelines require appraisers to look for certain defects that could pose habitability concerns or health, safety, or security risks. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a . Thanks! FHA loans are insured by the Federal Housing Administration, and conventional mortgages aren't insured by a federal agency. What is the difference between a Fannie Mae loan and a conventional loan? I just received one of these letters from Camden Loans, and I will toss it. Fannie Mae was chartered by U.S. Congress in 1938 to provide a reliable source of affordable mortgage financing across the country. If you search for notice for FNMA enhancement, youll get a lot of scam warnings. Do you use an apostrophe in seasons greetings? Now, we have got the complete detailed explanation and answer for everyone, who is interested! what is fnma enhancements letter 2021shaun thompson elmhurst Consultation Request a Free Consultation Now. Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution. HWN9weRTUP@]CbLEIUmHGMdNrt\`g}Vw;O$slxH&_)5Sa^S&nGInS6yx62+ H]G {|JTsw!P2L9m7G-p8k .D SB2(YjJm,R Why you got "Understanding FNMA Enhancement"? Exactly the same as the letter I received. %PDF-1.6 % Freddie Mac buys home mortgages, primarily from smaller banks and savings and loans. endstream endobj 729 0 obj <>stream Its always good to double check, especially if your transaction involves money. It looks like nothing was found at this location. Beware of specific indicators that require you to takespecific actions in an urgent matter. Restricted Affordable Housing includes the following Affordable Housing Types: MBS and Mega Advanced Search Download File, Fannie Mae to Release DUS Disclose Enhancements in January 2021. what is fnma enhancements letter 2021. To see if you live in an active zip code, just click below. Lender Letter (LL-2021-02) Updated: May 4, 2022 To: All Fannie Mae Single-Family Servicers A general rule of thumb is that you should have at least 20% equity in your home if you want to refinance. Link to some info below as well as an example: received this letter in the mail and did some digging. Updated Portfolio Functionality: Upon activating the Deal Paydown Alert for the portfolio, the alert will display in the portfolio when the factor for a security within the portfolio goes to zero on Business Day 4. Has anyone else received something like this? Additionally, the files will be sorted in descending order, so that the most recent file is at the top of the list. Providing a $500 credit from Fannie Mae to the lender at the time the loan is purchased if an appraisal was obtained for the transaction. No payments missed in the previous six months and no more than one in the previous 12 months. ProFed members are reporting thatthey havereceivedletters in the mail telling them to call a numberregarding their mortgage before a certain date to benefit from a cash disbursement, shortened payment term, or lower mortgage payment. People may receive compensation for some links to products and services on this website. Be aware of the "Understanding FNMA Enhancement" letter scam. The Selling Guide has been updated to include changes to the following: Cash-out refinance eligibility: implements new eligibility requirements for cash-out refinance transactions. *https://www.forbes.com/advisor/refiroadmap/, http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf* Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau), 2021 HomeStimulusProgram.com | Legal | Contact | Sitemap. It was designed to help re-start the housing market after the Great Depression. Do not share your personal information under any circumstances. ?/fG_X$d#evUd:ev]|oXTtvS^\TzlWR4?BPF8\iS1TRm>'@xa6aG25N&/p > aa-QXj v Frge:XEX@D7f(a p*s:5Zndm>lTMm5=.uZ,ob'T$XX$b@yI4%Hq%-;d9-F4mex|s2}-b|R-D6OkkS16llh6]B~%|d(ISnlnkr? June 7, 2022 . This gives lenders the money to provide new mortgages for more homebuyers. Our team has collected thousands of questions that people keep asking in forums, blogs and in Google questions. I think the more people that can warn others the better! @ >/Metadata 29 0 R/Pages 722 0 R/StructTreeRoot 48 0 R/Type/Catalog/ViewerPreferences 748 0 R>> endobj 726 0 obj <>/MediaBox[0 0 612 792]/Parent 722 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 727 0 obj <>stream Enhancements to support borrowers with non-traditional credit: aligns policy with eligibility expansions to the cash flow assessment and other risk . What is One Benefit of Privately Issued Student Loans. These companies have stated that these notices are a scam and that they're not associated with them in any manner. Conventional Loans A conventional loan is a mortgage that's not insured by a government agency. Standard: A residential condominium that is operated as a multifamily property and the borrower owns all of the units in the building (or other designated area). Fannie Mae was founded back in 1938 to create more affordable housing within the United States and has been publically traded since 1968. These modifications, which change the conditions of existing loans to help borrowers avoid defaulting on their mortgages, could include lower interest rates or extending the term of the loan to reduce monthly payments. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. The Revised QM Rule for the "verify" provision includes commentary (1026.43 (e) (2) (v) (B)-3.i) that cites Chapters B3-3 through B3-6 of the Selling Guide, published Jun. Fannie Mae and Freddie Mac also have differences in lending requirements and programs.  )3L>85ndF}'|UIB2Smk# F_Jh 'bYd?O06:\H&(Z}o.8oC}nz,y^]eJYnD^*|RL*q I also got a letter from JFQ lending. While Fannie Mae doesnt issue mortgages to consumers or lend them money, they do buy mortgages directly from lenders. Note: Due to the number of homeowners positively affected by these changes, call volume may be high. Freddie Mac HFA Advantage mortgage is a high loan- to-value (LTV) conventional offering that's an excellent alternative to FHA lending requirements and mortgage premiums. efPl`.Rb)cSO Yeah, trying to discern whether or not this is a legitimate thing that Im entitled to, or some marketing racket. Here's a scam warning from another bank about a very similar letter. Fannie Mae helps make the 30-year fixed-rate mortgage and affordable rental housing possible for millions of people in America. The requirements related to maximum points and fees and APR-APOR spread for Exempt loans are described in LL-2021-11. 758 0 obj <>stream Fannie Mae provides credit enhancement for tax-exempt bonds issued to finance the acquisition, new construction, refinancing, or moderate to substantial rehabilitation of affordable housing multifamily properties with Low Income Housing Tax Credit (LIHTC) rent restrictions. Mar 16, 2021 153 Dislike Share Save Scamadviser 26.7K subscribers If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could. We support mortgage lenders in providing mortgage financing to help people buy or rent a home. Yes, if you receive a notice FNMA Enhancements correspondence in the mail, it is a scam and you should immediately throw it in the trash. It started the program for 2021 on June 5. A mortgage with a loan-to-value ratio up to 97%, a debt-to-income ratio of 65% or less, and a minimum 620 FICO score. (adsbygoogle = window.adsbygoogle || []).push({}); The notice begins by addressing you by name. The property must be a one-unit primary residence including single-family residences, townhomes, and condos. be seasoned at least 12 months (from the original note date to new loan note date). View more posts about Credit Union Updates. How the letters are sent mine was sold many many years ago and they still got the mortgage company wrong. Youre very welcome and I totally agree that we are in a time when it is easy to fall victim to these scams. to replenish their funds. Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution - such as a repayment plan, payment deferral, or loan modification - are eligible for a new refinance or purchase mortgage after three timely payments. Our ESG strategy builds on our mission to facilitate equitable and sustainable access to homeownership and quality affordable rental housing across America. They are the same. %%EOF This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. proposed in December 2021, that requires Fannie Mae and Freddie Mac to submit annual capital plans to the agency and provide notice prior to taking certain capital actions. ProFed is not responsible for the content of the alternate website. Conventional loans are the mortgages purchased by the government-sponsored enterprises of Fannie Mae and Freddie Mac. Learn about our RefiNow enhancements: https://t.co/1DECdVYLF6 pic.twitter.com/odt9xm75Nc. If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could be a scam! Both reasons have to do with the strict guidelines imposed because FHA loans are government-insured loans. No matter what financial questions you have, we're here to work with you on your terms. and contain the line "Notice of FNMA Enhancement." The letters ask you to call 1-833-782-0648 and warns you to call before a certain date to secure economic benefits. Offers may be subject to change without notice. This Stimulus Program is aimed to help average American citizens and stimulate the economy. 8720 Georgia Avenue, Suite 301 Silver Spring, endstream endobj startxref Fannie Mae buys mortgages from larger, commercial banks, while Freddie Mac buys them from much smaller banks. 710 0 obj <> endobj To learn more, visit:fanniemae.com|Twitter|Facebook|LinkedIn|Instagram|YouTube|Blog, Media ContactJessica Alexander MBS for Bonds Fannie Mae MBS: issued to . Because we are in a world where there is so much desperation, I am relieved that there are places to see that these things are scam. Scammers can get your contact information by searching through these records. This. Thank you so much! Y=c+,ra JFQ is trying to get you to refi with them. Such scams have become more common since loan modifications started after the Great Recession of 2008. Required fields are marked *. To get the necessary information, call our office at ***-***-**** before (date). mortgage enhancements do not only make your mortgage more affordable but also your refinancing, modifications are usually geared toward altering the conditions of pre-existing loans. I bet that event puts my name and address in a public record and on a list that can be purchased. Please ignorethe letter anddispose of it like youwould any other junk mail. mine had small type that said *Entrust Funding is not affiliated with your current lender, Just got one of these and thats exactly what it is! This eliminates that possibility of being scammed by any fake FNMA Enhancement promises. No products in the cart. the villa pacific palisades, ca. I want as many scams to be exposed as possible, as well as drill home the importance of doing your research before responding to any letter, email, etc. For an interest rate swap, you must determine and advise Fannie Mae if the Borrower's interest rate hedge payment obligations are supported by a: Fannie Mae collateral agreement or credit enhancement instrument; or what is fnma enhancements letter 2021. orlando to fort pierce train; dod personnel who suspect a coworker of possible espionage should; boyd funeral home marion, ohio obituaries; horner's syndrome in cats after ear cleaning; Understanding Stock Market Terms, How to Make Money With a Drone: Earn a Full Time Income, How to Make Money on Maternity Leave Our Top 10 List. (adsbygoogle = window.adsbygoogle || []).push({}); Have you received an FNMA Enhancement Notice? It was established in 1938 by Congress to stimulate the housing market. . oPVx+HDJ j#"j'"/HA#IA&z4H This is often the amount of equity you'll need if you want to do a cash-out refinance, too. Homeowners are advised to take advantage of a new Mortgage Stimulus Program before its gone. %PDF-1.7 % How the letters are sent Credit Enhancement Instrument Agreement between Fannie Mae and a Bond Trustee where Fannie Mae provides credit enhancement of a Credit Enhancement Mortgage Loan, Bonds issued to finance a Credit Enhancement Mortgage Loan, or an Interest Rate Hedge Agreement; and if applicable, a Bond liquidity facility. The FNMA, more popularly known as Fannie Mae, is a government-sponsored, publicly traded enterprise. Feb. 01, 2023. Share: Fannie Mae and Freddie Mac are government-backed mortgage companies created by the U.S. Congress. Menu ceramic cutting tools advantages and disadvantages. !-O }Z_ Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today, What is a Leg in Stock Market? The letters appear to come from JFQ Lending. Enhancements indicate positive changes, which Fannie Mae is always making. Totally a scam. Just got a letter from my mortgage administrator, Fannie Mae backed mortgage, saying that I may qualify for a $3000 payout, lower monthly payment and shorter term due to FNMA enhancements. endstream endobj startxref They make it look like it's from your lender and give you a ref # to provide when you call in so they can feel the nibble and know to go after you. Multifamily Mortgage Business Lender Letter 2 1-02 . Powered by Loebig Ink, LLC, Home | En Espanol | Site Map | Disclaimer, 8720 Georgia Avenue, Suite 301 | Silver Spring, Maryland 20910, Maryland Criminal Defense Crimes and Procedure, Domestic Violence Maryland Criminal Defense Attorney, Manslaughter Maryland Criminal Defense Lawyer, Second Degree Murder Maryland Defense Lawyer, Child Pornography Maryland Sex Crime Lawyer. 74=? Borrowers must have a Fannie Mae-backed mortgage for their house, where they must live. Please have eligibility code ********* ready when calling our Enhancements Help Desk to discuss your new loan information. Very misleading and deceptive practice. The lender must pass the credit to the homeowner. All Rights Reserved. Fannie Mae is also reminding servicers to submit to Fannie Mae all servicer-approved mortgage loan modifications in HomeSaver Solutions Network (HSSN) as "closed." May 4, 2022 Increasing our expense reimbursement limits for interior and exterior property inspections. Fannie Mae makes money partly by borrowing at low rates, and then reinvesting its borrowings into whole mortgage loans and mortgage backed securities. The letters ask you to call1-833-782-0648and warns you to call before a certain date to secure economic benefits. Instead, go straight to the Fannie Mae website and contact them from there. March 15, 2021 . manchester united annual turnover; what dallas city council district am i in Fannie Mae says that conventional loans typically require a minimum credit score of 620. Subject: Lender Letter 2 1-02 - Loan Document Update . Here's a scam warning from another bank about a very similar letter. Vh4M &sYkf9r}\yB 4'N6`E?F7\eiyA,@$9\nftlc3c`fMDzy:/`M4Y B1. This is the actual letter Ireceived. They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. (301) 589-9500, I have read and understand the disclaimer. HIGHLIGHTS Fannie Mae is announcing updates to the Loan Documents which may be used immediately and must be I get these every few months and I think it's a sketchy way to pitch a refinance. When determining eligibility criteria for the Fannie Mae Flex Modification, the mortgage loan must not have been modified three or more times previously, regardless of the mortgage loan modification program or dates of prior mortgage loan modifications. Just got one, they used a little window in the envelope to call it a "Notice of FNMA Enhancement" and list my current lender's name, making it seem like it was from them. ProFed reminds customers that their mortgage information is public record, which means anyone can search and discover information about your mortgage, including scammers. Details: Fnma enhancements letter 2020. Call your lender before taking any action. I've been getting nonstop predatory refi offers on a weekly basis this year. Its operation makes affordable mortgages available to low-income Americans. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. It should be noted that Fannie Mae's obligation under this guaranty is solely Fannie Mae's and is not backed by the full faith and credit of the U.S. government. The primary difference between Freddie Mac and Fannie Mae is where they source their mortgages from. After the mortgage meltdown of 2008, Fannie Mae and Freddie Mac started to focus on loan modifications. Disclosing your personal information could result in an unfortunate series of events impacting your finances and privacy. From: Te-Mika Warner, Deputy General Counsel . Then elsewhere it says, "Proposed Lender: JFQ Lending, Inc." Deceptive marketing. provide Fannie Mae with copies of the existing interest rate hedge documents. Thanks for the post. Law Offices of Gerstenfield & Demirji, PC In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. If youre looking to consolidate a student loan, check out our article: Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today. Market Realist is a registered trademark. The aim was to allow many homeowners (low-income borrowers) access to a lower interest rate and in turn, help them reduce their monthly mortgage payments. Freddie Mac released a pair of enhancements. These changes will generate economic benefits for those, like you, who have a conventional mortgage. Letter as necessary. As the Federal National Mortgage Association (FNMA) enhances loan terms, some people get FNMA enhancement letters. Home; About Us. hbbd```b``"WH uX," ``r5Bz^ 9&WM D ] REH2j` RHONw ;~ If Fannie and Freddie were allowed to fail, experts agreed that the housing market would collapse even further, paralyzing the entire financial system. hb```b@(1ao>DaMtB&[+^hDrd n'DwWzaL . No. Yes, thats my hope. This is NOT a secured email transmission. The FNMA DUS Loan Program is also used as a Fannie Mae Credit Enhancement, a tax exempt bond issue of a state or local housing finance authority that is providing multifamily affordable housing. My mortgage was sold to another lender as often happens, last month. Please be advised that ProFed does not represent the third party or you (the member) if you and the third party enter into a transaction. If you click the 'link' in the body of the destination link above, the wording of the letter I received today is verbatim. Your email address will not be published. Beware of specific indicators that require you to take specific actions in an urgent matter. By accessing the noted link you will be leaving ProFed's website and entering a website hosted by another party. To qualify for RefiNow, homeowners must have: Statements from Fannie Mae Board Chairwoman Sheila C. Bair and Fannie Mae CEO Hugh R. Frater on FHFAs announcement of the new Enterprise refinance option are available here. Nailed it. Some letters may describe a third-party offer from a particular lender that's not approved nor affiliated with your current mortgage lender, the FNMA, or any other government agency. Company Information; FAQ; Stone Materials. That way you dont take a chance of being scammed or giving your personal information to the wrong person who could use it to do you harm! If you call the number listed, it may connect you to an automated recording or a person. Fannie and Freddie failed in large part because they made bad business decisions and held insufficient capital. B*!x60-RkC>{y7W%!c2NVCSs9\@wN%h+vE-m/Fw5)}&pl qaTcg/6k8d[{"UBR(gA279ar#DH6RNGd'l":({*T7yl3v?1_ya)>p^rtC0cI\)1PL[K-r};Qd-6{qVos3L'9AmExuE^E_r-sg3 F0wH2"0$2Y-Yf9n5^5Yy_' kt9 ^ A00o_y3 ~/ ;N"1m h

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