8021.2 REV-1

APPENDIX 19

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

AFFIRMATIVE

MARKETING AGREEMENT

FOR

VOLUNTARY USE

BY

BOARDS OF REALTIST

MEMBERS AND AFFILIATES

APPROVED BY THE NAREB BOARD OF DIRECTORS, MAY 25,1990

AND EFFECTIVE NOVEMBER 14,1990 THROUGH NOVEMBER 14,1995

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U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

AND

NATIONAL ASSOCIATION OF

REAL ESTATE BROKERS

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8021.2 REV-1

APPENDIX 19

VOLUNTARY AFFIRMATIVE MARKETING AGREEMENT

NATIONAL ASSOCIATION OF REAL ESTATE BROKERS, INC.

TABLE OF CONTENTS

Page

PREAMBLE\...\...\...\...\...\...\...\...\...\...\...\...\..... i

I. PARTIES\...\...\...\...\...\...\...\...\...\...\...\...\...\... 1

II\. DEFINITIONS\...\...\...\...\...\...\...\...\...\...\...\..... 1

III\. GOALS, PURPOSES AND AUTHORITY\...\...\...\...\...\.... 2

IV\. AFFIRMATIVE MARKETING PROGRAM\...\...\...\...\...\.... 3

V. IMPLEMENTATION\...\...\...\...\...\...\...\...\...\...\.... 7

Vi. MONITORING\...\...\...\...\...\...\...\...\...\...\...\..... 7

VII\. COMMITMENT OF NAREB\...\...\...\...\...\...\...\...\..... 8

VIII\. ACCEPTANCE OF SIGNATORY STATUS OF NAREB

MEMBER IN LIEU OF INDIVIDUAL AFFIRMATIVE

FAIR HOUSING MARKETING PLAN\...\...\...\...\...\..... 8

IX\. TECHNICAL ASSISTANCE FROM HUD\...\...\...\...\...\.... 8

X. SUSPENSION OF REALTIST MEMBERS\...\...\...\...\...\... 8

Xi. EFFECTIVE DATE AND TERM OF AGREEMENT\...\...\...\... 10

XII\. HUD SIGNATORIES\...\...\...\...\...\...\...\...\...\...\... 11

XIII\. NAREB SIGNATORIES\...\...\...\...\...\...\...\...\...\.... 11

AFFILIATES AND DIVISIONS\...\...\...\...\...\...\...\... 11

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8021.2 REV-1

APPENDIX 19

i

VOLUNTARY AFFIRMATIVE MARKETING AGREEMENT

PREAMBLE

WHEREAS, the United States Department of Housing and Urban

Development (hereafter referred to as \"HUD\") has as its mandate

the assurance of free fair housing choice to all Americans as

expressed in Title VIII of the Civil Rights Act of 1968 (the

\"Fair Housing Act\"): \"It is the policy of the United States to

provide, within constitutional limitations, for fair housing

throughout the United States\", 42 U.S.C. 3601;

AND WHEREAS, based on the premise that a free housing choice

is a choice free of practices or influences that would limit that

choice because of race, color, religion, sex, handicap, familial

status, or national origin, the more specific goal of HUD is to

provide assurances, information and services that will enable all

buyers and renters to have a free housing choice;

AND WHEREAS, the object of affirmative marketing, is to

provide free housing choice, noting that marketing of housing is

not limited to the circumscribed arena of just buyer and seller,

but is more pervasive in that suitable conditions must be had in

all sectors of the real estate industry, including but not

limited to: brokerage, management, financing, appraising,

construction, insurance, regulation and education;

AND WHEREAS, the National Association of Real Estate

Brokers, Inc. (hereafter referred to as \"NAREB\"), organized and

existing under the laws of the State of Michigan, has been a

minority organization, born from necessity out of the vestiges of

segregation and discrimination some 40 years ago when its

membership was denied entrance into the industry which controls

the very essence of free housing, the land;

AND WHEREAS, NAREB has been like a metronome in America,

constantly beating out the rhythm of \"Democracy in Housing\" for

all Americans, regardless of race, color, religion, sex,

handicap, familial status, or national origin, and its members

have been the victims of past acts of abuse which the Fair

Housing Act was designed to eradicate in the sale of housing and

throughout the housing industry in sales, marketing,

construction, management, insurance, lending practices,

appraising, and development, both commercial and residential;

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8021.2 REV-1

APPENDIX 19

ii

AND WHEREAS, NAREB has not only been on the battle front for

its members, \"Realtists,\" but has represented a greater

constituency, all minorities, in pursuit of a portion of the

American Dream, by constantly fighting oppressive legislation,

oppressive regulation, and oppressive practices that pervade the

housing industry and have made and continue to make fusion into

this industry difficult; in spite of limited fiscal resources,

NAREB has continued to be a stalwart partner with HUD in

implementing the policy of the Fair Housing Act, fairness in

housing choice and equality in the housing industry;

AND WHEREAS, NAREB and HUD have been partners for many years

and are both desirous that an end come to all acts of

discrimination in the housing industry, including but not limited

to lending, insurance, appraising, development, sales, management

or any other sector that impacts upon housing, wherein all

Americans can participate as first class members of a great

society and realize the vitality of the true meaning of

\"Democracy In Housing,\" NAREB and HUD hereby enter into this

Agreement voluntarily.

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8021.2 REV-1

APPENDIX 19

Voluntary Affirmative Marketing Agreement

National Association of Real Estate Brokers

I. Parties

The parties to this Agreement are:

A. The United States Department of Housing and Urban

Development (referred to herein as \"HUD\")

B. The National Association of Real Estate Brokers,

including its members, affiliates and divisions as

established by its constitution and by-laws

(collectively referred to herein as \"NAREB\").

ii\. Definitions

For the purposes of this Agreement, the following terms

shall have the meanings set forth below, unless the context

indicates otherwise:

A. Member means a realtist member of NAREB.

B. HUD means the U. S. Department of Housing and Urban

Development.

C. Secretary means the Secretary of HUD.

D. Assistant Secretary means the HUD Assistant Secretary

for Fair Housing and Equal Opportunity.

E. NAREB means the National Association of Real Estate

Brokers, Inc.

F. Board means a local Board of Realtists, comprised of

NAREB members.

G. Associate means a sales employee of a member or a

salesperson associated with a member in an independent

contractor status.

H. 1968 Act means Title VIII of the Civil Rights Act of

1968, as amended, 42 U. S. C. 3601-3619, popularly

known as the Fair Housing Act.

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8021.2 REV-1

APPENDIX 19

2

I. 1866 Act means 42 U. S. C. 1982, first enacted as

Section 1 of Chapter 31, Act of April 9, 1866. The

1866 Act was construed by the U. S. Supreme Court, in

Jones v. Mayer Co., 392 U. S. 409 (1968), to prohibit

racial discrimination, private as well as public, in

the sale or rental real property.

J. Fair Housing laws include both the 1968 Act and the

1866 Act.

K. Effective Date means the date on which this Agreement

is approved by the Secretary.

III\. Goals, Purposes, and Authority

A. The goal of HUD and NAREB in entering into this

Agreement is to implement, through voluntary action, the policy

expressed by Congress in the first sentence of the 1968 Act: \"It

is the policy of the United States to provide, within

constitutional limitations, for fair housing throughout the

United States.\" 42 U. S. C. 3601.

B. Based on the premise that a free housing choice is a

choice free of practices or influences that would limit that

choice because of race, color, religion, sex, handicap, familial

status, or national origin, the more specific goal of HUD and

NAREB is to make information and technical assistance available

to the real estate industry to assist the industry in providing

service which will enable all buyers and renters to have a free

housing choice. The objective of marketing is to sell or rent;

the objective of \"affirmative marketing\" is to provide the

assurance of free housing choice.

C. The purpose of the affirmative marketing program

undertaken by the parties to this Agreement is to achieve a

condition in which individuals with similar financial resources

and interests in the same housing market area have a like range

of housing choices available to them regardless of their race,

color, religion, sex, handicap, familial status, or national

origin. A further purpose is to bring into the real estate

industry those individuals and entities which have been

discriminated against because of race, color, religion, sex,

handicap, familial status, or national origin, making them

full-fledged participants at every level of the real estate

industry from conception to closing. Participation in the

program signifies a commitment by NAREB not only to assure

that properties listed for sale or rental are available to all

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8021.2 REV-1

APPENDIX 19

3

individuals but also to point out the business advantages and

opportunities of fair housing. Each of the parties seeks to

assure that all individuals with similar financial resources and

interests feel welcome to apply for purchase or rental of homes

to which a NAREB member has access, as well as other real estate

services provided by NAREB members, and have a free opportunity

to buy or rent or enjoy other real estate services, regardless of

their race, color, religion, sex, handicap, familial status, or

national origin. In dealing with prospects, each member must

make sure that his or her conduct does not impede, delay,

discourage or otherwise limit or restrict a homeseeker\'s choice

so as to make any housing \"unavailable\" to a prospective buyer or

renter on account of race, color, religion, sex, handicap,

familial status, or national origin.

D. In order to further the purposes of this Agreement,

NAREB will cooperate with HUD in the promotion of affirmative

marketing programs, including educational programs to teach the

meaning of \"affirmative marketing\" in housing and the meaning of

\"Democracy in Housing\" (as NAREB has traditionally used that

term). HUD will provide technical assistance and NAREB will

provide human resource capabilities in this effort. Seminars,

achievement programs, educational materials, and classes are

examples of the cooperative ventures that the parties intend to

undertake pursuant to this Agreement.

E. The authority for HUD to enter into this Agreement is

provided in the Congressional directive set forth in Section 809

of the Fair Housing Act: \" The Secretary of HUD shall call

conferences of persons in the housing industry and other

interested parties to acquaint them with the provisions of this

title and his suggested means of implementing it, and shall

endeavor with their advice to work out programs of voluntary

compliance and enforcement.\" 42 U. S. C. 3609.

IV\. AFFIRMATIVE MARKETING PROGRAM

A. NAREB and HUD believe that there are certain office

management procedures which constitute sound business practices

for all real estate brokers and also would be beneficial to the

parties in furthering the goals and purposes set forth in Part

III of this Agreement. In many cases, NAREB members already use

such office management procedures in their operations. However,

to assure both continuity and a degree of uniformity in the

practices of all NAREB members, NAREB agrees to disseminate to

its members, affiliates and divisions a statement that NAREB\'s

commitment to this Agreement includes assurances by members that

prospective homeseekers are:

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8021.2 REV-1

APPENDIX 19

4

1\. made aware of the full range of housing locations

available to a member, consistent with the financial

resources of, and the area of interest to, the

homeseeker;

2\. provided with information relevant to a purchase

or rental decision, such as the location of schools,

transportation and services in the area being

considered;

3\. provided with accurate information relating

to available financing for a dwelling.

Additionally, members must continue to record the names of

homeseekers and addresses of homes and apartments shown to them.

B. NAREB and HUD also agree to take the following

affirmative steps to further the goals and purposes of this

Agreement.

1\. NAREB will develop programs and advertisements jointly

with HUD to educate and bring to the awareness of the

general public the advantages of fair housing and

affirmative action. To further this goal, NAREB

specifically agrees to:

a\. participate in media or other programs to inform

the public about NAREB\'s commitment to fair

housing;

b\. develop public seminars and programs for the

celebration of each anniversary of the enactment

of the Fair Housing Act, wherein both NAREB and

HUD can participate; and

c\. utilize the unique qualities of its resources and

talent to educate the public on the negatives of

housing discrimination and promote the advantages

of fair housing.

2\. NAREB also agrees to encourage others to enter into

voluntary affirmative marketing agreements, by use of

seminars and through participation jointly with HUD in

shaping and achieving the commitment of others to the

importance of fair housing to the real estate industry.

To promote VAMA involvement, NAREB specifically agrees

to:

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8021.2 REV-1

APPENDIX 19

5

a\. assure that its officers, members, affiliates

and divisions are committed to fair housing and

the promotion of, and education of others about

the benefits of, fair housing;

b\. assist HUD in encouraging members of the community

to comply with the requirements of the Fair

Housing Act and in promoting affirmative action,

to the extent that the fiscal resources of NAREB

are available and to the extent that NAREB

receives technical support from HUD; and

c\. assist HUD in identifying others, including

industry, public sector and governmental groups,

that need to be educated about or brought into

compliance with the Fair Housing Act, and suggest

to HUD, others who might become party to an

affirmative marketing agreement.

3\. HUD agrees to use the resources of NAREB to promote

education of the real estate industry as to the

requirements of the Fair Housing Act. To this end,

HUD, or HUD in conjunction with NAREB, will take the

following steps:

a\. HUD will encourage majority industry groups

and all HUD program participants to do

business with minorities and minority firms

in the real estate industry, including

lawyers, insurance salespersons, managers,

appraisers, lenders, consultants, developers,

salespersons, real estate brokers,

accountants, and other persons who have a

service to offer to the real estate industry.

b\. NAREB will provide to HUD a list of minority

individuals and entities available to provide

professional services needed in HUD program

areas.

c\. HUD Regional Office and Headquarters staff

will participate in NAREB regional and

national seminars and programs and other

activities designed to carry out the goals of

this Agreement. These activities include,

but are not limited to:

i\) joint seminars for State, local, and

Federal government agencies and minority

groups and organizations, to show how

they can cooperate to promote fair

housing;

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8021.2 REV-1

APPENDIX 19

6

ii\) seminars and events for housing industry

groups, including but not limited to

financial institutions, industry

associations, developers, commercial

users of real estate, and insurance

companies; and

iii\) seminars and events with social

organizations which seek to promote fair

housing.

4\. HUD and NAREB will develop materials to assist in the

implementation of the objectives of this Agreement,

showing the rights and duties of persons under the Fair

Housing Act and encouraging affirmative action in the

housing industry.

C. NAREB members will adopt fair housing advertising

techniques to assist in carrying out the provisions of this

Agreement, as follows:

1\. Each member will display, in a prominent place at each

of its offices, the Fair Housing Poster prescribed by

HUD in 24 CFR Part 110.

2\. Each member will use the HUD Equal Housing Opportunity

logotype or slogan in all space advertisements in

accordance with the HUD Fair Housing Advertising

Regulations as set forth in 24 CFR Part 109, where its

inclusion does not significantly increase the cost of

such advertising, and in all brochures, circulars,

billboards, and direct mailing advertising.

D. HUD agrees to provide technical assistance to NAREB on

fair housing advertising techniques, and to provide Fair Housing

Posters and camera-ready copy and stick-ons of the Equal Housing

Opportunity logotype, in sufficient quantities and appropriate

sizes, for use of members.

E. Recognizing the limited amount of NAREB funds available

for affirmative marketing, as well as the impact that NAREB has

had and continues to have in this important aspect of fair

housing, NAREB agrees to authorize reasonable expenditures, as

needed, to carry out effectively the affirmative marketing

program as set forth in this Agreement.

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8021.2 REV-1

APPENDIX 19

7

V. IMPLEMENTATION

NAREB agrees to form an Equal Opportunity Committee (NAREB

EOC) composed of members of each of its affiliates, with a

chairperson to be designated by the NAREB president, to carry out

the following responsibilities:

A. To explain to the NAREB constituency, and to assure

that they understand, the requirements and provisions of this

Agreement;

B. To publicize the purposes of this Agreement and to

establish a program to implement its provisions; and

C. To establish a liaison with designated HUD staff for

the implementation of the terms and conditions of this Agreement,

and to meet no more than twice a year to review with HUD

implementation progress, the effectiveness of existing programs,

and development of new programs in accordance with the intent of

this Agreement.

VI\. MONITORING

A. The NAREB EOC will establish procedures to monitor

each NAREB member, affiliate, and division for progress in

achieving the program commitments set forth in Part IV of this

Agreement. To assure proper monitoring of progress under this

Agreement, the NAREB EOC will request annually, from each member,

affiliate, and division, a progress report on the efforts of each

to achieve the program commitments set forth in part IV of this

Agreement.

B. Each member, affiliate, and division must submit its

report, including evidence of reported accomplishments, within

sixty (60) days after the request by the NAREB EOC.

C. The NAREB EOC will provide HUD\'s Office of Voluntary

Compliance with copies of each such report at least thirty (30)

days prior to any scheduled HUD/NAREB meeting on this Agreement.

NAREB\'s monitoring reports will be a major agenda item for

discussion at these meetings.

D. HUD will, from time to time, forward copies of

sections of the NAREB report to relevant HUD field offices for

verification and comment.

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8021.2 REV-1

APPENDIX 19

8

E. HUD will provide to NAREB, through the NAREB EOC, an

annual report on NAREB\'s progress and efforts to achieve the

program commitments set forth in Part IV of this Agreement.

Evidence of reported accomplishments must accompany this report

at least thirty (30) days prior to any scheduled HUD/NAREB

meeting on this Agreement. HUD\'s progress reports will be a

major agenda item for discussion at these meetings.

F. Reports obtained through monitoring will be used in

conjunction with the meetings prescribed in Parts V.C. and XI.C

of this Agreement.

VII\. COMMITMENT OF NAREB

Following an affirmative vote of the NAREB Board of

Directors and upon the execution of this Agreement by the NAREB

president as so authorized, this Agreement shall become binding

upon all members, affiliates, and divisions of NAREB.

VIII\. ACCEPTANCE OF SIGNATORY STATUS OF NAREB MEMBER IN LIEU OF

INDIVIDUAL AFFIRMATIVE FAIR HOUSING MARKETING PLAN

A. During the effectiveness of this Agreement, any member

of NAREB who hereafter applies for participation in any HUD/FHA

program and would otherwise be subject to the requirements of the

HUD Affirmative Fair Housing Marketing Regulations or to the

joint HUD-VA Non-Discrimination Certification may, in lieu of

submitting an individual Affirmative Fair Housing Marketing Plan

or executing the Certification, reference its status as a member

of NAREB bound under the terms of this Agreement.

B. Further, no NAREB member shall be required to

participate in any other affirmative marketing seminar, execute

any other documents, or in any way participate in any other

affirmative marketing agreement, as long as this Agreement is in

full force and effect and it remains in good standing with NAREB

and bound under this Agreement.

IX\. TECHNICAL ASSISTANCE FROM HUD

HUD agrees to designate specific field office personnel to

provide NAREB, its realtist members and its EOC with technical

assistance, information and advice in implementing the provisions

of this Agreement.

X. SUSPENSION OF REALTIST MEMBERS

A. Whenever there is reasonable cause to believe that a

member has failed to make a good-faith effort to fulfill its

responsibilities under this Agreement, the following procedures

shall be employed:

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8021.2 REV-1

APPENDIX 19

9

1\. The NAREB EOC shall contact the member, identify and

discuss the area(s) of non-compliance, and request

appropriate corrective action.

2\. The NAREB EOC shall document, in writing, the member\'s

non-compliance with the Agreement and provide the

member and HUD with copies of the documentation.

3\. The member shall have fifteen (15) days, from receipt

of the written documentation of non-compliance, to take

corrective action and to provide written notice and/or

other material in support of its position to the NAREB

EOC and to HUD of all corrective action taken to be in

compliance with this Agreement.

4\. Upon a finding by the NAREB EOC of continued

non-compliance, the NAREB EOC shall arrange for a joint

meeting with representatives of the NAREB EOC, HUD and

the member to discuss the steps necessary for effecting

compliance with this Agreement.

5\. Subsequent to the joint meeting referred to above, the

NAREB EOC shall provide the member, in writing, with a

\"Second Notice of Non-Compliance,\" stating that the

member has fifteen (15) days to take corrective action

or face suspension as a party to this Agreement.

6\. If compliance with this Agreement is not secured within

the time stated in the Second Notice of Non-Compliance,

the NAREB EOC and HUD shall jointly notify the member

in writing that it is suspended as a party to this

Agreement and is no longer eligible for participation

in the Voluntary Affirmative Fair Housing Marketing

Program.

7\. Any member suspended from this Agreement shall have

ten (10) days from the effective date of the suspension

to present to HUD an individual Affirmative Fair

Housing Marketing Plan, in full conformity with

applicable regulations, for each of the member\'s

HUD-assisted projects.

B. The suspension of a member as a party to this Agreement

will remain in effect until the NAREB EOC and HUD have determined

that the member should be reinstated.

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3021.2 REV-1

APPENDIX 19

10

XI\. EFFECTIVE DATE AND TERM OF AGREEMENT

A. This Agreement will become effective upon approval and

execution by the HUD Secretary.

B. This Agreement will be in effect for a term of five

\(5\) years.

C. During the sixty day period prior to the expiration of

each calendar year during the term of this Agreement, NAREB and

HUD representatives will meet to evaluate the effectiveness of

the Agreement. If the evaluation reveals that progress is not

being made toward achieving its objectives, the Agreement may be

modified upon mutual consent of NAREB and HUD. If NAREB and HUD

are unable to agree upon the terms of a modification, either

NAREB or HUD may terminate the Agreement upon written notice to

the other party.

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8021.2 REV-1

APPENDIX 19

XII\. HUD SIGNATORIES

This Agreement has been approved by the U.S. Department of

Housing and Urban Development. Signed and effective this 14th

day of November, 1990 in Washington, D.C.:

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Jack Kemp, Secretary Gordon H. Mansfield, Assistant

Secretary for Fair Housing

and Equal Opportunity

XIII\. NAREB SIGNATORIES

This Agreement was adopted by the Board of Directors of the

National Association of Real Estate Brokers, Inc. at a meeting

held on May 25, 1990, and the officers whose names are set forth

below have been duly authorized to execute this Agreement on

behalf of the National Association of Real Estate Brokers, Inc.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Evelyn Reeves, President Equal Opportunity Chairman

The following affiliates and divisions of NAREB have

endorsed the principles set forth in this Agreement, as evidenced

by the signatures of their duly authorized representatives:

NAREB Affiliate/Division: Representatives:

National Society of

Real Estate Appraisers
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Real Estate Management

Brokers Institutes
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

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8021.2 REV-1

APPENDIX 19

12

United Developers

Council \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Commercial-Industrial

Division \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Sales Associates Division
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Women\'s Council \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Investment Division
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

Real Estate Construction

Division \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

DATE

2/91

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