<SEC-DOCUMENT>0001377739-18-000004.txt : 20180411
<SEC-HEADER>0001377739-18-000004.hdr.sgml : 20180411
<ACCEPTANCE-DATETIME>20180411092249
ACCESSION NUMBER:		0001377739-18-000004
CONFORMED SUBMISSION TYPE:	PX14A6G
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20180411
DATE AS OF CHANGE:		20180411
EFFECTIVENESS DATE:		20180411

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EQUIFAX INC
		CENTRAL INDEX KEY:			0000033185
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES [7320]
		IRS NUMBER:				580401110
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-06605
		FILM NUMBER:		18749228

	BUSINESS ADDRESS:	
		STREET 1:		1550 PEACHTREE ST NW
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30302
		BUSINESS PHONE:		4048858000

	MAIL ADDRESS:	
		STREET 1:		1550 PEACHTREE ST NW
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30309

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RETAIL CREDIT CO
		DATE OF NAME CHANGE:	19760222

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CtW Investment Group
		CENTRAL INDEX KEY:			0001377739
		IRS NUMBER:				203688367

	FILING VALUES:
		FORM TYPE:		PX14A6G

	BUSINESS ADDRESS:	
		STREET 1:		1900 L STREET NW
		STREET 2:		SUITE 900
		CITY:			WASHINGTON
		STATE:			DC
		ZIP:			20036
		BUSINESS PHONE:		202 721 6060

	MAIL ADDRESS:	
		STREET 1:		1900 L STREET NW
		STREET 2:		SUITE 900
		CITY:			WASHINGTON
		STATE:			DC
		ZIP:			20036
</SEC-HEADER>
<DOCUMENT>
<TYPE>PX14A6G
<SEQUENCE>1
<FILENAME>efx_shareholderletterfinal.htm
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<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">April 11, 2018</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Please vote on May 3, 2018, AGAINST the re-election of directors
John McKinley, Mark B. Templeton and Mark L. Feidler at the annual meeting of Equifax
Inc. (NYSE: EFX).</font></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Dear Equifax shareholder,</font></p>

<p style="line-height:normal;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Ahead of Equifax&#8217;s annual
shareholder meeting, we urge you to consider the extensive failures of risk
oversight and internal control monitoring leading up to Equifax&#8217;s 2017 data
breach.&#160; While the company has taken certain remedial actions to correct its
inadequate cybersecurity processes, we believe that in light of the size and
scope of the data breach, greater board level accountability is required.&#160; </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Taken as whole, the company&#8217;s actions in the last several
months have amounted to a reactive attempt to remedy a considerable defect in the
company&#8217;s cybersecurity and compliance practices, one that could have been
avoided had the Board provided the requisite amount of oversight. &#160;The impact
of the data breach on the company&#8217;s performance is clear, with the stock
dropping 16% since the breach was disclosed, compared to 6.4% for the S&amp;P
500.&#160; As a consequence, shareholders must clearly signal that the Board&#8217;s failure
to provide adequate oversight over a critical component of the company&#8217;s
business operations has left shareholders with little option but to vote AGAINST
directors McKinley, Templeton, and Feidler&#8217;s reelection to the Board due to
their long-term membership on the Technology Committee and failure to discharge
their duties. &#160;In addition to his service on the Technology Committee, Mr.
McKinley also serves as a long-term member of the Audit Committee.&#160; We believe
a vote AGAINST these directors is warranted for the following reasons: &#160;</font></p>

<p style="line-height:107%;margin-bottom:0in;margin-left:38.25pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face=symbol lang=EN-US style="font-size:11.0pt;">&#183;</font><font face="times new roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Failure to Act on Repeated Warnings and Known Risks:</font></b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;"> Director
McKinley, as a member of the Audit Committee and Chairman of the Technology
Committee, and directors Templeton and Feidler, as members of the Technology
Committee, failed to provide timely and adequate risk oversight over a material
enterprise risk despite numerous warnings, which ultimately culminated in loss
of over 147 million Americans&#8217; personal information. </font></p>

<p style="line-height:107%;margin-bottom:0in;margin-left:38.25pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face=symbol lang=EN-US style="font-size:11.0pt;">&#183;</font><font face="times new roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Poor Crisis Management:</font></b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;"> Director McKinley, as a member of
the Audit Committee and Chairman of the Technology Committee, and directors
Templeton and Feidler, as members of the Technology Committee, failed to
develop a comprehensive crisis management plan in the wake of the breach, which
further damaged the company&#8217;s reputation as a leading provider that helps
consumers protect their personal information and a premier credit monitoring
agency.</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:38.25pt;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face=symbol lang=EN-US style="font-size:11.0pt;">&#183;</font><font face="times new roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Weak Supervision of the Company&#8217;s Compliance Obligations:</font></b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;"> Director
McKinley, as a member of the Audit Committee, failed to provide adequate risk
oversight of the company&#8217;s legal and compliance obligations, particularly with
regards to its insider trading policies. </font></p>

<p style="line-height:normal;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The aforementioned nominees, as
incumbent directors and tenured members of the Audit Committee and the Technology
Committee at the time of the breach,<sup><font face=calibri,sans-serif style="line-height:107%;"></font></sup></font><sup><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:11.0pt;">1</font></font></sup><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">
are the most responsible for failed response to the data breach that has led to
significant scrutiny by federal regulators and other stakeholders.&#160; The company
is currently being investigated by the Securities &amp; Exchange Commission
(&#8220;SEC&#8221;), Department of Justice, Federal Trade Commission, and congressional
committees in both the House and Senate.&#160; It is </font><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">now the
subject of hundreds of lawsuits, four shareholder derivative suits, as well as
civil investigative demands by 49 Attorneys General. &#160;With the estimated costs
of the breach at approximately $275 million for just 2018 alone, experts have
suggested that it could be the largest and most costly data breach in corporate
history. &#160;</font></p>
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</font><p style="margin:0in;margin-bottom:.0001pt;"><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:10.0pt;vertical-align:super;">1</font></font><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">
We note that Mr. Feidler now serves on the Compensation and Governance
Committees.&#160; He was a member of the Technology Committee at the time that the
data breach took place and when the announcement of the breach was made. &#160;He
also previously served on the Technology Committee for several years prior to
the breach.&#160; </font></p><font lang=EN-US>

</font></div>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</DIV><a name="page_2"></a><a name="_bclPageBorder2"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">


<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The CtW Investment Group works with pension funds sponsored
by unions affiliated with Change to Win, a federation of unions representing
nearly 5.5 million members, to enhance long term shareholder value through
active ownership.&#160; These funds invest over $250 billion in the global capital
markets and are substantial investors of Equifax.&#160;&#160; We previously raised our
concerns with the Board&#8217;s oversight of risk management in October 2017 and in
an in-person meeting in February 2018. </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The Audit and Technology Committees Failed to Heed
Multiple Warning Signs and Provided Poor Risk Oversight</font></i></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The data breach announced in September 2017 exposed the
company&#8217;s weaknesses related to internal controls and risk oversight of the
company&#8217;s cybersecurity processes.&#160; From mid-May until July 29, 2017, criminals
were able to exploit Equifax&#8217;s weak cybersecurity processes to steal hundreds
of millions of Americans&#8217; personal information over the course of approximately
10 weeks. The breach was based on a known vulnerability brought to the company&#8217;s
attention by the Department of Homeland Security and for which a patch had been
available for two months prior to the hack even taking place.&#160; </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Further warning signs of the inadequacy of the company&#8217;s
cybersecurity processes were evidenced by the fact that Mandiant, the same
company hired by Equifax to investigate the breach, identified an additional and
previously undisclosed March 2017 attack likely by the same hackers that
conducted the May breach. &#160;In fact, index provider MSCI had warned Equifax
almost a year before the breach was disclosed that Equifax was not equipped to
respond to a data breach, finding no evidence that the company conducted
regular cybersecurity audits or that it had adequate response plans in place.&#160; &#160;MSCI
also removed the company from its index related to environmental, social and
governance factors. &#160;</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">As a member of the Audit Committee, director McKinley was
responsible for an annual review of risk assessment and risk
management&#8230;including compliance and litigation risks facing the company.&#8221;<sup><font face=calibri,sans-serif style="line-height:107%;"></font></sup></font><sup><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:11.0pt;">2</font></font></sup><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&#160; Further, McKinley,
with directors Templeton and Feidler, also sat on the Technology Committee,
specifically charged with &#8220;identifying threats occasioned by new technologies,
especially disruptive technologies&#8221; as well as reviewing the company&#8217;s
&#8220;technology investments and infrastructure related to risk management,
including policies relating to information security.&#8221;<sup><font face=calibri,sans-serif style="line-height:107%;"></font></sup></font><sup><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:11.0pt;">3</font></font></sup><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&#160; In many ways,
both the Audit Committee and the Technology Committee were empowered with the
tools necessary to identify and possibly even avoid the massive data breach
that took place, but failed to execute the responsibilities and duties required
of them.&#160; </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The Company&#8217;s Inadequate Response Plans Amplified the
Reputational Damage to the Company</font></i></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Equifax&#8217;s sluggish response to the cyber security breach is well
documented.&#160;&#160; Former CEO and Chair Richard Smith waited three weeks before
discussing with the full Board the details of the cybersecurity incident, and
disclosed the breach to shareholders and the public almost six weeks after the
discovery. &#160;&#160;Subsequent to the disclosure of the hack, the company found itself
embroiled in a reputational crisis </font><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">that was exacerbated
by its own remediation attempts.&#160; From directing consumers to phishing sites,
to requiring potential victims to submit partial social security number to
Equifax to determine if their personal information was stolen, the series of
missteps taken by the company after the breach implies that Equifax had done
little in terms of crisis management planning.&#160; The financial impact of these
missteps are apparent.&#160; The company has lost over $2.5 billion in market cap
since Q2 2017, a profitable IRS contract, and suffered cancellations by notable
clients such as </font><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The</font></i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;"> </font><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">New York Times</font></i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">. </font></p>

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</font><p style="margin:0in;margin-bottom:.0001pt;"><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:10.0pt;vertical-align:super;">2</font></font><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">
Equifax Audit Committee Charter, accessed 9/28/2017.</font></p><font lang=EN-US>

</font></div>
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</font><p style="margin:0in;margin-bottom:.0001pt;"><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:10.0pt;vertical-align:super;">3</font></font><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">
Equifax Technology Committee Charter, accessed 9/27/2017.</font></p><font lang=EN-US>

</font></div>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</DIV><a name="page_3"></a><a name="_bclPageBorder3"></a><DIV STYLE="PADDING-RIGHT: 0%; PADDING-LEFT: 0%">


<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">While we recognize that some time may have been needed to
assess the full extent of the breach, we believe that had the members of the
Audit Committee and the Technology Committee been better informed of the
challenges to the company&#8217;s technological infrastructure, the company&#8217;s
response would have been less haphazard.&#160;&#160; McKinley, as Committee Chair, Templeton
and Feidler, as members, all served on the Technology Committee since its
inception in 2010, and were all well positioned to have anticipated the need
for a coherent cybersecurity response plan.&#160; McKinley, having been on both the
Audit Committee and the Technology Committee, also should have been able to
provide an assessment of the company&#8217;s risk management plans, but according to
last year&#8217;s proxy lacked such experience.<sup><font face=calibri,sans-serif style="line-height:107%;"></font></sup></font><sup><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:11.0pt;">4</font></font></sup><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&#160;
All three directors appear to have failed to anticipate the need for an
adequate crisis management plan, as effectuated by Equifax&#8217;s delayed and
mishandled response. &#160;</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">The Audit Committee Failed to Provide Oversight of the
Company&#8217;s Legal and Compliance Obligations</font></i></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Prior to the data breach, former CEO and Chair Smith had
taken the unusual step of delegating his responsibility of oversight of
cybersecurity risks to the company&#8217;s Chief Legal Officer, John Kelley.&#160; As a
result, the company&#8217;s former Chief Security Officer reported directly to Kelley,
who was also responsible for discharging the company&#8217;s insider trading policy.&#160;
An internal board investigation found no indication of insider trading among
the four executives who sold $1.8 million shares in early August, but as of
November 2017 the SEC continued to investigate this issue.&#160; In March 2018,
civil and criminal charges of insider trading were filed against an additional
former executive, who was offered the position of Chief Information Officer in
the wake of the data breach.&#160; </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">As the committee charged with oversight of the company&#8217;s
legal and compliance programs, the Audit Committee should have recognized the weaknesses
of the company&#8217;s insider trading policies.&#160; We worry that the delegation of the
cybersecurity oversight to the chief legal officer may have been inappropriate
given that it is unclear what experience Mr. Kelly had with cybersecurity
issues.&#160; It also remains unclear whether Mr. Kelley could have used his
discretion to refuse the trades based on his knowledge of the cybersecurity
breach, and what information he had at the time he authorized the trades. &#160;While
we recognize that the company has since adjusted their management reporting
structure so that the new Chief Information Security Officer will report
directly to the CEO and that the company may now take into account
cybersecurity events in deciding to halt trading, this appears to be yet
another example of how the Audit Committee failed at providing the requisite
level of oversight over the company&#8217;s legal, regulatory and compliance
obligations.</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>



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</font><p style="margin:0in;margin-bottom:.0001pt;"><font face=calibri,sans-serif style="line-height:107%;"><font face=calibri,sans-serif lang=EN-US style="font-size:10.0pt;vertical-align:super;">4</font></font><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">
We note that according to the 2017 Board Skills Matrix, director McKinley
lacked &#8220;risk management&#8221; experience; however, in the 2018 Board Skills matrix
he is now listed as holding this key skill.&#160; We worry that this discrepancy may
be indicative of the company applying a &#8220;check the box&#8221; exercise to its Board
Skills Matrix.&#160; </font></p><font lang=EN-US>

</font></div>
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<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Conclusion</font></i></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Equifax has incurred billions in losses associated with
inadequate risk management practices and internal controls. The company and
Board had multiple warning signs of its weak cybersecurity practices, yet
appears to have turned a blind eye to the potential threats that were presented.&#160;
Despite these failures, the Board has seen fit to keep on the most tenured directors
serving on the committees responsible for overseeing risk management and cybersecurity
matters. &#160;In order to restore accountability and effective board oversight of
key functions, </font><b><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">we urge you to vote AGAINST directors McKinley, Templeton and
Feidler at Equifax&#8217;s annual meeting on May 3, 2018.</font></b></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Please contact my colleague Tejal K. Patel at tejal.patel@ctwinvestmentgroup.com
with any questions. </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Sincerely, </font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><img border=0 height=44 id="Picture5" src="x18041109152300.jpg" width=149></p>

<p style="line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Dieter Waizenegger </font></p>

<p style="line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">Executive Director, CtW Investment Group</font></p>

<p style="line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&#160;</font></p>

<p style="line-height:107%;margin-bottom:8.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
