-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Rw7/crLvIOezq9wPqrSiXtIdvXS+OLt2xPX6pJ3q1GiGRcPDcw9xC112f8ZWsCRV
 OPVRMpng+uEOsQ3ePwYI6w==

<SEC-DOCUMENT>0000000000-06-021114.txt : 20061113
<SEC-HEADER>0000000000-06-021114.hdr.sgml : 20061110
<ACCEPTANCE-DATETIME>20060504141710
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-06-021114
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20060504

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RIVERVIEW BANCORP INC
		CENTRAL INDEX KEY:			0001041368
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911838969
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
		BUSINESS PHONE:		360-693-6650

	MAIL ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
PUBLIC REFERENCE ACCESSION NUMBER:		0000939057-05-000153
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
begin 644 filename1.pdf
M)5!$1BTQ+C0-)>+CS],-"C0W(#`@;V)J(#P\+TQI;F5A<FEZ960@,2],(#$S
M,#0S+T\@-#DO12`V-#DW+TX@,2]4(#$R,#4V+T@@6R`U-38@,3<V73X^#65N
M9&]B:@T@("`@("`@("`@("`@("`@("`@#0IX<F5F#0HT-R`Q,PT*,#`P,#`P
M,#`Q-B`P,#`P,"!N#0HP,#`P,#`P.#DX(#`P,#`P(&X-"C`P,#`P,#$Q-C,@
M,#`P,#`@;@T*,#`P,#`P,30P-2`P,#`P,"!N#0HP,#`P,#`Q.#,T(#`P,#`P
M(&X-"C`P,#`P,#$X-C@@,#`P,#`@;@T*,#`P,#`P,C@U."`P,#`P,"!N#0HP
M,#`P,#`S,C8R(#`P,#`P(&X-"C`P,#`P,#4Y,S$@,#`P,#`@;@T*,#`P,#`P
M-C$W,R`P,#`P,"!N#0HP,#`P,#`V-#(Q(#`P,#`P(&X-"C`P,#`P,#`W,S(@
M,#`P,#`@;@T*,#`P,#`P,#4U-B`P,#`P,"!N#0IT<F%I;&5R#0H\/"]3:7IE
M(#8P+U!R978@,3(P-#4O6%)E9E-T;2`W,S(O4F]O="`T."`P(%(O26YF;R`V
M(#`@4B])1%L\0S8W-S1!1#(S-C0V,C`R0D%#.$8W0D(W-CA%0S<V-S(^/#$Q
M-4(Y04%",D1$,$0U-$,X,S5&0S4P0T0W03!$,#<S/ET^/@T*<W1A<G1X<F5F
M#0HP#0HE)45/1@T*("`-"C4Y(#`@;V)J/#PO3&5N9W1H(#@W+T,@.34O1FEL
M=&5R+T9L871E1&5C;V1E+TD@,3$W+TP@-SDO4R`S.3X^<W1R96%M#0IXVF)@
M8.!D8&"^S0`$(M<84`$3$+,P<!Q@,$`2Y(1B!@8E!AY>QFX&YCWB6MZ\#->8
M%L`T29^":K8`8D8&!HF-$)I9$FX*&P.#;AI$E.$[0(`!`'PX"A(-"F5N9'-T
M<F5A;0UE;F1O8FH--3@@,"!O8FH\/"],96YG=&@@,C`O1FEL=&5R+T9L871E
M1&5C;V1E+U=;,2`Q(#%=+TEN9&5X6S<@-#!=+T1E8V]D95!A<FUS/#PO0V]L
M=6UN<R`S+U!R961I8W1O<B`Q,CX^+U-I>F4@-#<O5'EP92]84F5F/CYS=')E
M86T-"GC:8F)B9&!B8&`<K!@@P``GUP![#0IE;F1S=')E86T-96YD;V)J#30X
M(#`@;V)J/#PO36%R:TEN9F\\/"],971T97)S<&%C949L86=S(#`O36%R:V5D
M('1R=64^/B]-971A9&%T82`U(#`@4B]0:65C94EN9F\\/"]-87)K96101$8\
M/"],87-T36]D:69I960H1#HR,#`V,#4P-#$T,3`Q,BD^/CX^+U!A9V5S(#0@
M,"!2+U!A9V5,87EO=70O3VYE0V]L=6UN+U-T<G5C=%1R9652;V]T(#<@,"!2
M+U1Y<&4O0V%T86QO9R],86YG*$5.+553*2],87-T36]D:69I960H1#HR,#`V
M,#4P-#$T,3`Q,BDO4&%G94QA8F5L<R`R(#`@4CX^#65N9&]B:@TT.2`P(&]B
M:CP\+T-R;W!";WA;,"`P(#8Q,B`W.3)=+U!A<F5N="`T(#`@4B]3=')U8W10
M87)E;G1S(#`O0V]N=&5N=',@-3(@,"!2+U)O=&%T92`P+TUE9&EA0F]X6S`@
M,"`V,3(@-SDR72]297-O=7)C97,\/"]#;VQO<E-P86-E/#PO0U,P(#4Q(#`@
M4CX^+T9O;G0\/"]45#`@-3`@,"!2+U14,2`U,R`P(%(^/B]0<F]C4V5T6R]0
M1$8O5&5X=%TO17AT1U-T871E/#PO1U,P(#4W(#`@4CX^/CXO5'EP92]086=E
M/CX-96YD;V)J#34P(#`@;V)J/#PO4W5B='EP92]4<G5E5'EP92]&;VYT1&5S
M8W)I<'1O<B`U-2`P(%(O3&%S=$-H87(@,3(Q+U=I9'1H<ULR-3`@,"`P(#`@
M,"`P(#`@,"`P(#`@,"`P(#(U,"`S,S,@,C4P(#`@-3`P(#4P,"`U,#`@,"`U
M,#`@,"`U,#`@,"`U,#`@-3`P(#(W."`P(#`@,"`P(#`@,"`W,C(@-C8W(#8V
M-R`W,C(@,"`U-38@,"`P(#,S,R`P(#<R,B`P(#@X.2`P(#<R,B`U-38@,"`V
M-C<@-34V(#`@,"`W,C(@.30T(#`@,"`P(#`@,"`P(#`@,"`P(#0T-"`U,#`@
M-#0T(#4P,"`T-#0@,S,S(#4P,"`U,#`@,C<X(#`@,"`R-S@@-S<X(#4P,"`U
M,#`@-3`P(#`@,S,S(#,X.2`R-S@@-3`P(#4P,"`W,C(@,"`U,#!=+T)A<V5&
M;VYT+U1I;65S3F5W4F]M86Y04TU4+T9I<G-T0VAA<B`S,B]%;F-O9&EN9R]7
M:6Y!;G-I16YC;V1I;F<O5'EP92]&;VYT/CX-96YD;V)J#34Q(#`@;V)J6R])
M0T-"87-E9"`U-"`P(%)=#65N9&]B:@TU,B`P(&]B:CP\+TQE;F=T:"`Y,C$O
M1FEL=&5R+T9L871E1&5C;V1E/CYS=')E86T-"DB)M%??;YLZ%'Z/M/_A/((4
M7-L8`],T:6VV::NZ.ZWH]J';`Z/.PI3"!+15]M?O&&AR$VS@X8XH<6RC[SL^
M/SX.9Y_AU:NSJXL/*Z#P^O7YZ@(69Q?7%+(:%_0'ZJQ8,,AQ_3VN_Z@7Y\GB
M+$DH,$C6"PI)AG<E3_K6I`9&]?A;+U7`>`N!0TPAI!&))23W"P?<Y.?B;;)X
M>Z7I#B:P9Q..*(Y09!P0-H["9Z!$C/CC*/X,%!F28!Q%S$`)?!*.HP0S4/QX
MRKMR!@J7>^_^3]?7%[:=JW0'8@F<4FDS.9QA,N-3H8RF48(XF@IE/`,E$E.A
M9-0(XU%"*15M,?7_GH[+)PAI'^!;YTM9P*K\OBMJUY-(]2WY:.0RUU-+$&DJ
M[_GO*5<0]FEPZUQL<K5VA0/O\B(MLCS=PC]ZKK^YZS$G4Y7=`G,M=KQL?UHV
MM$#X?53QM/FCJAYS]03G;NBDFK/(RNK7$CX4&;%SFROXX&C/YFD>][EPZ\0H
M9S=NW+'6F[SXT:#OKYM*J68)UP]YHT#?8S7"+`!TSQ\,Z5GPG$3_HL/+!SS]
M$F[2/7L<24FM^676"CJDH6Q2CD\4@QE27D01T3X<@PF-,(<T9(2+F`\L%*'`
MC1;ZBWH)5OC(#L\/<0Z/\1F7("0EHB-X5U;W6)O>):S+"IJ-@G5>9YCK.Y56
MH(H[=8=Z564;\%DK68'5G-ALSOXY>6*#D$3V-N1;!9]*`FBMQWD<A-8GG%E$
MCKWG\ZGX\A%]D`?/R6%D6+S7AY5VT%5%8.5&3JM)+ZW5P,UR8/*-9J'!E++S
MD1KW]R=@0WWQ8[:O<7`]'@;,N5&P21\59.7]KZUJ,.+E0P65:J6G7,-.3]NC
MG>96E[O8WF#UX3GN$%0G%#I$YY3KA<XEI,4=8FU3C;O.MUC+M5YS`Z=C+<H#
M-ON/[;[&]GIPCQ'\;0FT_CZXS*DP62MM,ZJ4_JJB0>`&<SBO77PX-'F[:M=)
M/B)1PZ#XTI],JQGMBA]0@MG0-1HV''/#PDD8M*IQA.=+(G@?S_ZZ=MNPYCB(
MR"GTC#J9GJ$_NJ'J]O0L$,ZVF^VZ.Y?=8/>;N3FA0]LX)Y*/NVQ&B^)C_QQ-
MP,SH45!7"#WQU-_K\>"-KH*\@<^8Z\KJ2]\L:(<ZQJ"+.!QD(\<^GI\>IHO;
MF[K.ZR8MFG[>]C'/>QD^5HMNTV:111O-5<'Q34",Q\:?\5K"\57`E"E_!!@`
M7%[O&`T*96YD<W1R96%M#65N9&]B:@TU,R`P(&]B:CP\+U-U8G1Y<&4O5')U
M951Y<&4O1F]N=$1E<V-R:7!T;W(@-38@,"!2+TQA<W1#:&%R(#$R,2]7:61T
M:'-;,C4P(#`@,"`P(#`@,"`P(#`@,"`P(#`@,"`R-3`@,S,S(#(U,"`P(#4P
M,"`U,#`@-3`P(#4P,"`P(#4P,"`P(#4P,"`P(#4P,"`S,S,@,"`P(#`@,"`P
M(#`@,"`P(#`@,"`P(#8Q,2`P(#`@,"`P(#<W."`P(#DT-"`W,C(@,"`P(#`@
M-S(R(#`@,"`P(#`@,"`P(#`@,"`P(#`@,"`P(#`@,"`U,#`@,"`T-#0@-34V
M(#0T-"`S,S,@,"`U-38@,C<X(#`@,"`R-S@@.#,S(#4U-B`U,#`@,"`P(#0T
M-"`S.#D@,S,S(#`@,"`P(#`@-3`P72]"87-E1F]N="]4:6UE<TYE=U)O;6%N
M4%,M0F]L9$U4+T9I<G-T0VAA<B`S,B]%;F-O9&EN9R]7:6Y!;G-I16YC;V1I
M;F<O5'EP92]&;VYT/CX-96YD;V)J#34T(#`@;V)J/#PO3&5N9W1H(#(U-S4O
M1FEL=&5R+T9L871E1&5C;V1E+TX@,R]!;'1E<FYA=&4O1&5V:6-E4D="/CYS
M=')E86T-"DB)G)9Y5%-W%L=_;\F>D)6PPV,-6X"P!I`U;&&1'011"$D(`1)"
M2-@%040%%$5$A*J5,M9M=$9/19TNKF.M#M9]ZM(#]3#JZ#BT%M>.G1<X1YU.
M9Z;3[Q_O]SGW=^_OW=^]]YWS`*`GI:JUU3`+`(W6H,]*C,46%11BI`D``PH@
M`A$`,GFM+BT[(0?@DL9+L%K<"?R+GEX'D&F](DS*P##P_XDMU^D-`$`9.`<H
ME+5RG#MQKJHWZ$SV&9QYI94FAE$3Z_$$<;8TL6J>O>=\YCG:Q`J-5H&S*6>=
M0J,P\6F<5]<9E3@CJ3AWU:F5]3A?Q=FERJA1X_S<%*M1RFH!0.DFNT$I+\?9
M#V>Z/B=+@O,"`,ATU3M<^@X;E`T&TZ4DU;I&O5I5;L#<Y1Z8*#14C"4IZZN4
M!H,P0R:OE.D5F*1:HY-I&P&8O_.<.*;:8GB1@T6AP<%"?Q_1.X7ZKYN_4*;>
MSM.3S+F>0?P+;VT_YU<]"H!X%J_-^K>VTBT`C*\$P/+F6YO+^P`P\;X=OOC.
M??BF>2DW&'1AOK[U]?4^:J7<QU30-_J?#K]`[[S/QW3<F_)@<<HRF;'*@)GJ
M)J^NJC;JL5J=3*[$A#\=XE\=^/-Y>&<IRY1ZI1:/R,.G3*U5X>W6*M0&=;46
M4VO_4Q-_9=A/-#_7N+ACKP&OV`>P+O(`\K<+`.72`%*T#=^!WO0ME9(',O`U
MW^'>_-S/"?KW4^$^TZ-6K9J+DV3E8'*COFY^S_19`@*@`B;@`2M@#YR!.Q`"
M?Q`"PD$TB`?)(!WD@`*P%,A!.=``/:@'+:`==($>L!YL`L-@.Q@#N\%^<!",
M@X_!"?!'<!Y\":Z!6V`23(.'8`8\!:\@"")!#(@+64$.D"OD!?E#8B@2BH=2
MH2RH`"J!5)`6,D(MT`JH!^J'AJ$=T&[H]]!1Z`1T#KH$?05-00^@[Z"7,`+3
M81YL![O!OK`8CH%3X!QX":R":^`FN!->!P_!H_`^^#!\`CX/7X,GX8?P+`(0
M&L)''!$A(D8D2#I2B)0A>J05Z48&D5%D/W(,.8M<02:11\@+E(AR40P5HN%H
M$IJ+RM$:M!7M18?17>AA]#1Z!9U"9]#7!`;!EN!%""-("8L(*D(]H8LP2-A)
M^(APAG"-,$UX2B02^40!,8281"P@5A";B;W$K<0#Q./$2\2[Q%D2B61%\B)%
MD-)),I*!U$7:0MI'^HQTF31->DZFD1W(_N0$<B%92^X@#Y+WD#\E7R;?([^B
ML"BNE#!*.D5!::3T4<8HQR@7*=.45U0V54"-H.90*ZCMU"'J?NH9ZFWJ$QJ-
MYD0+I672U+3EM"':[VB?TZ9H+^@<NB==0B^B&^GKZ!_2C]._HC]A,!ANC&A&
M(</`6,?8S3C%^)KQW(QKYF,F-5.8M9F-F!TVNVSVF$EANC)CF$N93<Q!YB'F
M1>8C%H7EQI*P9*Q6U@CK*.L&:Y;-98O8Z6P-NY>]AWV.?9]#XKAQXCD*3B?G
M`\XISETNPG7F2KAR[@KN&/<,=YI'Y`EX4EX%KX?W6]X$;\:<8QYHGF?>8#YB
M_HGY)!_AN_&E_"I^'_\@_SK_I86=18R%TF*-Q7Z+RQ;/+&TLHRV5EMV6!RRO
M6;ZTPJSBK2JM-EB-6]VQ1JT]K3.MZZVW69^Q?F3#LPFWD=MTVQRTN6D+VWK:
M9MDVVWY@>\%VUL[>+M%.9[?%[I3=(WN^?;1]A?V`_:?V#QRX#I$.:H<!A\\<
M_HJ98S%8%3:$G<9F'&T=DQR-CCL<)QQ?.0F<<ITZG`XXW7&F.HN=RYP'G$\Z
MS[@XN*2YM+CL=;GI2G$5NY:[;G8]Z_K,3>"6[[;*;=SMOL!2(!4T"?8*;KLS
MW*/<:]Q'W:]Z$#W$'I4>6SV^](0]@SS+/4<\+WK!7L%>:J^M7I>\"=ZAWEKO
M4>\;0KHP1E@GW"N<\N'[I/IT^(S[//9U\2WTW>![UO>U7Y!?E=^8WRT11Y0L
MZA`=$WWG[^DO]Q_QOQK`"$@(:`LX$O!MH%>@,G!;X)^#N$%I0:N"3@;](S@D
M6!^\/_A!B$M(2<A[(3?$/'&&N%?\>2@A-#:T+?3CT!=AP6&&L(-A?P\7AE>&
M[PF_OT"P0+E@;,'="*<(6<2.B,E(++(D\OW(R2C'*%G4:-0WT<[1BNB=T?=B
M/&(J8O;%/([UB]7'?A3[3!(F628Y'H?$)<9UQTW$<^)SXX?COTYP2E`E[$V8
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MS^YOZK^[,6WCX0%LH'O@^TW%F\X-!@YNWTS=;-P\.93Z3P"D`5O^F+B9))F0
MF?R::)K5FT*;KYP<G(F<]YUDG=*>0)ZNGQV?BY_ZH&F@V*%'H;:B)J*6HP:C
M=J/FI%:DQZ4XI:FF&J:+IOVG;J?@J%*HQ*DWJ:FJ'*J/JP*K=:OIK%RLT*U$
MK;BN+:ZAKQ:OB[``L'6PZK%@L=:R2[+"LSBSKK0EM)RU$[6*M@&V>;;PMVBW
MX+A9N-&Y2KG"NCNZM;LNNZ>\(;R;O16]C[X*OH2^_[]ZO_7`<,#LP6?!X\)?
MPMO#6,/4Q%'$SL5+Q<C&1L;#QT''O\@]R+S).LFYRCC*M\LVR[;,-<RUS37-
MM<XVSK;/-\^XT#G0NM$\T;[2/]+!TT33QM1)U,O53M71UE76V-=<U^#89-CH
MV6S9\=IVVOO;@-P%W(K=$-V6WAS>HM\IWZ_@-N"]X43AS.)3XMOC8^/KY'/D
M_.6$Y@WFEN<?YZGH,NB\Z4;IT.I;ZN7K<.O[[(;M$>V<[BCNM.]`[\SP6/#E
M\7+Q__*,\QGSI_0T],+U4/7>]FWV^_>*^!GXJ/DX^<?Z5_KG^W?\!_R8_2G]
MNOY+_MS_;?__`@P`]X3S^PH-"F5N9'-T<F5A;0UE;F1O8FH--34@,"!O8FH\
M/"]3=&5M5B`X,B]&;VYT3F%M92]4:6UE<TYE=U)O;6%N4%--5"]&;VYT4W1R
M971C:"].;W)M86PO1F]N=%=E:6=H="`T,#`O1FQA9W,@,S0O1&5S8V5N="`M
M,C$V+T9O;G1"0F]X6RTU-C@@+3,P-R`R,#(X(#$P,#==+T%S8V5N="`X.3$O
M1F]N=$9A;6EL>2A4:6UE<R!.97<@4F]M86XI+T-A<$AE:6=H="`V-38O6$AE
M:6=H="`M-30V+U1Y<&4O1F]N=$1E<V-R:7!T;W(O271A;&EC06YG;&4@,#X^
M#65N9&]B:@TU-B`P(&]B:CP\+U-T96U6(#$S-B]&;VYT3F%M92]4:6UE<TYE
M=U)O;6%N4%,M0F]L9$U4+T9O;G13=')E=&-H+TYO<FUA;"]&;VYT5V5I9VAT
M(#<P,"]&;&%G<R`S-"]$97-C96YT("TR,38O1F]N=$)";WA;+34U."`M,S`W
M(#(P,S0@,3`R-ETO07-C96YT(#@Y,2]&;VYT1F%M:6QY*%1I;65S($YE=R!2
M;VUA;BDO0V%P2&5I9VAT(#8U-B]82&5I9VAT("TU-#8O5'EP92]&;VYT1&5S
M8W)I<'1O<B])=&%L:6-!;F=L92`P/CX-96YD;V)J#34W(#`@;V)J/#PO3U!-
M(#$O3U`@9F%L<V4O;W`@9F%L<V4O5'EP92]%>'1'4W1A=&4O4T$@9F%L<V4O
M4TT@,"XP,CX^#65N9&]B:@TQ(#`@;V)J/#PO1FER<W0@,S`U+TQE;F=T:"`V
M.3@O1FEL=&5R+T9L871E1&5C;V1E+TX@-#`O5'EP92]/8FI3=&T^/G-T<F5A
M;0T*>-KDE3]OVS`0Q;\*QW9H*1XIB0("`\X?MT82)XA==`@Z*#;C"G$D0Y';
MY-OWD5<WR93>T*F#=#CJ\<?3/1(L5::\\DY5RKI*F4S9PBMC5(''$+Y89:SR
MOE0&(HO!7%5EKDP!L<$,?,@*B.*L#`F&3&X498A5KBAB;*6($+U5%'GD%3G$
M$CE0#I,)/`<.`9%GR,'+<^3@Y957%KP"Q<0*"H\<O-(B!Z\LD8/G`;?@>?R"
M!:]"Y3:6E",',LN0HY3,>>4RQ,HJAU(-/CI"1'U8@@B+.X>(^AQ^P:(^5Z!D
M3#HXT*?H6*:N]&7=AW98]"&@>Z\'9N%Q.`U/RNBK;A/.ZVWL;)0LGK9!SX=^
MMTRZJZX;1J/(O$:S(8C-3L%QR#D4'$H.GD-:-#8Z!<.!*<048@HQA9A"3"&F
M$%,L4RQ3+%,L4RQ3+%,L4RQ3+%,L4QQ3'%,<4QQ37*)\TY<JS=1S/0_+09_5
M[?K=R>S#I\/WJ1&SW?W#==P[29V&INVF:</\>XW639KUK@_ZN.^V1_5VGU[L
MABC1\VW=ZOGNYF'9-]MAGVY#_W)@<3'&<X1GDB+<:.Y"M]M_AG6'W:,^;G[H
M6=??UQM]J4_:5=L-`0-X36#:<_:E787^>?5)M]ET/\/J,XR.PW?[12?3N-I4
M3_KZ/B3ZJS]"52P8C?Z7K0!KQ_%\Q=UPJC+L#/][9^S[OE8NT=(V>*$U`BT)
MM%:@=0)M+M`6`FTIT'J!MI)X(3).XIR16&<DWAF)>4;BGI'89_[&OV(O]A*Q
MQ$&2.$BBLR=QD"0.DL1!DCA($@=)<@))<@1)XJ"5.&@E#MHW'<3UM@SCVR'T
M*ON8I>MSO&G6N'B'NA_T!6[XIWBY?NV;H6G7Y]TJZ+-^<<,3#\-MUX<_,Z>X
M3-LAI;AR7V0)]IS_LY5M\?;2OP08`/O_N2(-"F5N9'-T<F5A;0UE;F1O8FH-
M,B`P(&]B:CP\+TYU;7-;,"`S(#`@4ET^/@UE;F1O8FH-,R`P(&]B:CP\+U,O
M1#X^#65N9&]B:@TT(#`@;V)J/#PO0V]U;G0@,2]4>7!E+U!A9V5S+TMI9'-;
M-#D@,"!273X^#65N9&]B:@TU(#`@;V)J/#PO4W5B='EP92]834PO3&5N9W1H
M(#0S,C4O5'EP92]-971A9&%T83X^<W1R96%M#0H\/WAP86-K970@8F5G:6X]
M(N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/@H\>#IX;7!M
M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2(S+C$M-S`Q
M(CX*("`@/')D9CI21$8@>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q
M.3DY+S`R+S(R+7)D9BUS>6YT87@M;G,C(CX*("`@("`@/')D9CI$97-C<FEP
M=&EO;B!R9&8Z86)O=70](B(*("`@("`@("`@("`@>&UL;G,Z<&1F/2)H='1P
M.B\O;G,N861O8F4N8V]M+W!D9B\Q+C,O(CX*("`@("`@("`@/'!D9CI0<F]D
M=6-E<CY!8W)O8F%T($1I<W1I;&QE<B`W+C`@*%=I;F1O=W,I/"]P9&8Z4')O
M9'5C97(^"B`@("`@(#PO<F1F.D1E<V-R:7!T:6]N/@H@("`@("`\<F1F.D1E
M<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@("`@("`@("`@("!X;6QN<SIP9&9X
M/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9G@O,2XS+R(^"B`@("`@("`@(#QP
M9&9X.D-O;7!A;GD^4T5#/"]P9&9X.D-O;7!A;GD^"B`@("`@("`@(#QP9&9X
M.E-O=7)C94UO9&EF:65D/D0Z,C`P-C`U,#0Q.#`Y,3(\+W!D9G@Z4V]U<F-E
M36]D:69I960^"B`@("`@(#PO<F1F.D1E<V-R:7!T:6]N/@H@("`@("`\<F1F
M.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@("`@("`@("`@("!X;6QN<SIX
M87`](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B/@H@("`@("`@("`\
M>&%P.D-R96%T;W)4;V]L/D%C<F]B870@4$1&36%K97(@-RXP(&9O<B!7;W)D
M/"]X87`Z0W)E871O<E1O;VP^"B`@("`@("`@(#QX87`Z36]D:69Y1&%T93XR
M,#`V+3`U+3`T5#$T.C$P.C$R+3`T.C`P/"]X87`Z36]D:69Y1&%T93X*("`@
M("`@("`@/'AA<#I#<F5A=&5$871E/C(P,#8M,#4M,#14,30Z,#DZ-3@M,#0Z
M,#`\+WAA<#I#<F5A=&5$871E/@H@("`@("`@("`\>&%P.DUE=&%D871A1&%T
M93XR,#`V+3`U+3`T5#$T.C$P.C$R+3`T.C`P/"]X87`Z365T861A=&%$871E
M/@H@("`@("`\+W)D9CI$97-C<FEP=&EO;CX*("`@("`@/')D9CI$97-C<FEP
M=&EO;B!R9&8Z86)O=70](B(*("`@("`@("`@("`@>&UL;G,Z>&%P34T](FAT
M='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B/@H@("`@("`@("`\>&%P
M34TZ1&]C=6UE;G1)1#YU=6ED.F4S-3$R9#!C+35B-64M-&(U."UA.&$V+68T
M.&-A-38X.&)E83PO>&%P34TZ1&]C=6UE;G1)1#X*("`@("`@("`@/'AA<$U-
M.DEN<W1A;F-E240^=75I9#ID.#)D.#)B-RUC,&,S+30P9C$M.#0X-RTV83EF
M8S1F.3=C,C$\+WAA<$U-.DEN<W1A;F-E240^"B`@("`@("`@(#QX87!-33I6
M97)S:6]N240^"B`@("`@("`@("`@(#QR9&8Z4V5Q/@H@("`@("`@("`@("`@
M("`\<F1F.FQI/CD\+W)D9CIL:3X*("`@("`@("`@("`@/"]R9&8Z4V5Q/@H@
M("`@("`@("`\+WAA<$U-.E9E<G-I;VY)1#X*("`@("`@/"]R9&8Z1&5S8W)I
M<'1I;VX^"B`@("`@(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B"B`@
M("`@("`@("`@('AM;&YS.F1C/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N
M=',O,2XQ+R(^"B`@("`@("`@(#QD8SIF;W)M870^87!P;&EC871I;VXO<&1F
M/"]D8SIF;W)M870^"B`@("`@("`@(#QD8SIT:71L93X*("`@("`@("`@("`@
M/')D9CI!;'0^"B`@("`@("`@("`@("`@(#QR9&8Z;&D@>&UL.FQA;F<](G@M
M9&5F875L="(^4F4Z/"]R9&8Z;&D^"B`@("`@("`@("`@(#PO<F1F.D%L=#X*
M("`@("`@("`@/"]D8SIT:71L93X*("`@("`@("`@/&1C.F-R96%T;W(^"B`@
M("`@("`@("`@(#QR9&8Z4V5Q/@H@("`@("`@("`@("`@("`\<F1F.FQI/G!A
M<G)A='1S/"]R9&8Z;&D^"B`@("`@("`@("`@(#PO<F1F.E-E<3X*("`@("`@
M("`@/"]D8SIC<F5A=&]R/@H@("`@("`@("`\9&,Z<W5B:F5C=#X*("`@("`@
M("`@("`@/')D9CI397$^"B`@("`@("`@("`@("`@(#QR9&8Z;&DO/@H@("`@
M("`@("`@("`\+W)D9CI397$^"B`@("`@("`@(#PO9&,Z<W5B:F5C=#X*("`@
M("`@/"]R9&8Z1&5S8W)I<'1I;VX^"B`@("`@(#QR9&8Z1&5S8W)I<'1I;VX@
M<F1F.F%B;W5T/2(B"B`@("`@("`@("`@('AM;&YS.G!H;W1O<VAO<#TB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(^"B`@("`@("`@(#QP
M:&]T;W-H;W`Z:&5A9&QI;F4^"B`@("`@("`@("`@(#QR9&8Z4V5Q/@H@("`@
M("`@("`@("`@("`\<F1F.FQI+SX*("`@("`@("`@("`@/"]R9&8Z4V5Q/@H@
M("`@("`@("`\+W!H;W1O<VAO<#IH96%D;&EN93X*("`@("`@/"]R9&8Z1&5S
M8W)I<'1I;VX^"B`@(#PO<F1F.E)$1CX*/"]X.GAM<&UE=&$^"B`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@
M("`@("`@("`@("`@("`*/#]X<&%C:V5T(&5N9#TB=R(_/@T*96YD<W1R96%M
M#65N9&]B:@TV(#`@;V)J/#PO0W)E871I;VY$871E*$0Z,C`P-C`U,#0Q-#`Y
M-3@M,#0G,#`G*2]!=71H;W(H<&%R<F%T=',I+T-R96%T;W(H06-R;V)A="!0
M1$9-86ME<B`W+C`@9F]R(%=O<F0I+U!R;V1U8V5R*$%C<F]B870@1&ES=&EL
M;&5R(#<N,"!<*%=I;F1O=W-<*2DO36]D1&%T92A$.C(P,#8P-3`T,30Q,#$R
M+3`T)S`P)RDO0V]M<&%N>2A314,I+U-O=7)C94UO9&EF:65D*$0Z,C`P-C`U
M,#0Q.#`Y,3(I+U1I=&QE*%)E.BD^/@UE;F1O8FH->')E9@T*,"`T-PT*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`V-#DW(#`P,#`P(&X-"C`P,#`P,#<R
M.3`@,#`P,#`@;@T*,#`P,#`P-S,R,R`P,#`P,"!N#0HP,#`P,#`W,S0V(#`P
M,#`P(&X-"C`P,#`P,#<S.3<@,#`P,#`@;@T*,#`P,#`Q,3<Y."`P,#`P,"!N
M#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P
M,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U
M-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F
M#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P
M,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U
M-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F
M#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P
M,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U
M-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F
M#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P
M,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U
M-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F
M#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P
M,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"G1R86EL97(-
H"CP\+U-I>F4@-#<^/@T*<W1A<G1X<F5F#0HQ,38-"B4E14]&#0H-"C\_
`
end
</PDF>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
