%PDF-1.7 1 0 obj << /Type /Catalog /Outlines 2 0 R /Pages 3 0 R >> endobj 2 0 obj << /Type /Outlines /Count 0 >> endobj 3 0 obj << /Type /Pages /Kids [6 0 R 25 0 R ] /Count 2 /Resources << /ProcSet 4 0 R /Font << /F1 8 0 R /F2 9 0 R /F3 10 0 R /F4 11 0 R /F5 12 0 R >> /XObject << /I1 14 0 R /I2 21 0 R /I3 22 0 R /I4 29 0 R /I5 30 0 R >> /ExtGState << /GS1 23 0 R /GS2 24 0 R /GS3 27 0 R /GS4 28 0 R >> >> /MediaBox [0.000 0.000 612.000 792.000] >> endobj 4 0 obj [/PDF /Text /ImageC ] endobj 5 0 obj << /Producer (dompdf 1.0.2 + CPDF) /CreationDate (D:20241218145752+00'00') /ModDate (D:20241218145752+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Annots [ 15 0 R 17 0 R 19 0 R ] /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1731 >> stream xXMs6W!fFM*㶙fR!"!)UIv(;|hƴ)b?{E ?9\@X+˦N5,u󏰸_DYR20KXE3V$[zwZ]J蕷!fcZFtXpFʺ7e#1S6|Qa*g|aCF%J|q߈Q0T.p#ԝ@,Or#+|R^e>”Bu`ܣUzf'Ir8>eDMG|r AO(]_BEY ?mw&wǛ݀k=!,1+q@њuYjSYwFF.EũTSC;$X9˗T9zlH-Lj\6^My࣑w 4I^Cl`>1I}-d WkMfMaעX TFqrY(Uj-5ʣ>u ;u@砕]% `ݒ`Fo@IzLtM䶆Vcu?M{*쯁-wxJĒİðYBesޮ &w+=n1 >ߋQ7 ]wAaʊGP kMk7]vRo8aȂ!6g8%C]\mpbWD *}`\}$ h f(4LJ}5e5m8e%,Wk7PƥJ6wrkph>Jq)$`~h;d G$dv݀8Zcp7L(sR>/ѣH=GSs'Oxn *@œ#o+5'brț=̧D5n=$WT%a[/;{^R.|d442Jf|!v4 5ua&Qj\ \+gHMD.akKz8 C6О[$O (nBEJ7nº ,*OE`Yu!Lo0"kݭ_$faѠί8Pn?FQ #Mwj&qp]+t8a5-6j-G˜9{mu?T +$,4ҒIQv89j=Z\>I4%^hGBi< qu}quUr|D)gڬE'TqpnAyE/^݅twhq1^EOi?) endstream endobj 8 0 obj << /Type /Font /Subtype /Type1 /Name /F1 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 9 0 obj << /Type /Font /Subtype /Type1 /Name /F2 /BaseFont /Times-Bold /Encoding /WinAnsiEncoding >> endobj 10 0 obj << /Type /Font /Subtype /Type1 /Name /F3 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 11 0 obj << /Type /Font /Subtype /Type1 /Name /F4 /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding >> endobj 12 0 obj << /Type /Font /Subtype /Type1 /Name /F5 /BaseFont /Helvetica-Oblique /Encoding /WinAnsiEncoding >> endobj 13 0 obj [6 0 R /Fit] endobj 14 0 obj << /Type /XObject /Subtype /Image /Width 640 /Height 400 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 29016>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$" 1 1"R HH$$ @  @DĉH)@I0!?鯮>@>3ϐWUE](N?sbflFLFl ̈́0c6 ddbnQɌ7(eme6}._䇟NoW5yzo(iwSwr}g'5u9Emo\Ͻo륪YyɽZy`mΞ%7r'M>:矍iaYpMu)yO=Qns7緟;bmYY0@1Ui[eS{E{q"sOs} 4^}~uɻ.u_KQ2}}5#rL>4޶93:͎,t}cO.,rۘ="fLiccṗ)> r OAaADL *(,r&ƻg_M|W~un땜OsI̼=Y-5^tsJo3k_`mLr/3'-82zmgoNΗVܩ9|޶v-U~XuNOtN73Si2=`aD0"`vuqu7!o/gKq>|(J%gsKjgest}:O:\ywA_3W_r}o[g7]p_I9O[͒Ayiҏ"fDUY_P\p?OTO0}<|l.;W?'L⣵7vQlZEܧU6/nqsu3fqfacx}"`D*"/o0u\q^L&S1$2Lĉ3@"&Lή.BL@:T 6235 !014P6@E"#%F$B&Ac[1lų[1lų[1lųZ1lţZ1hţZ1hţs?fgdF&p iJCI6-F!j4'TgW8|q/W/We6Z'z*CrR򶇛khŭZ1z hf I"?ԓL}tސgX]BDEdr+#YVG"9ȬEdr+#YVG"9ȬEdr+#YVG"9ȬE`r+X=dR_k+πI%%Pm)->ԢJS4MFke}tbRQq*\t-i)D&mӿ%aYSb#٬P% P% P% P% X% P% P% P% P% P%P% P% X% XeXeXeXeXX X ` ` `2ݒ`ycy1<ǘeu+ `~':GY[r_WJXaBuQI_](2_(7RڢILV#٬VԖU)d cRy gtVzOg&r1M|.?)',0# uҤ4ˑ]uaC A%Su9{9=>-`.A{:+Qp:[1gJ>:S%ȨIC舣AF+f"OO?So5>-&N&Bikilo7WMVagM =I^ޑ2\$t/0 [覮1e6Gy2}3lM*ZPIwDR':Fa1<1FWX|Կ~iꃿܦc~\zI=:ӿT#|u'7!fgu ?M]ggQ)aa+2qTQe26:ҞcX皣K|}uG. '%':Fm4P% mB0Ѥ+2RqI}4aF4aPqZl,ŅSԜw?uHi~VN ˲i#v$YI?IΓ8ΎM}@,gRqە\IIK J#:>_؋NH ! uuePo(S4R|3L4imJLSm.,kQCl7wkPm&LCݐ|إb> $fĹ}@|e:R_a{eWAxAxQxQx@Ԧ_ a4|O<_4|O<_4|O<2o)pǗ ~|Bڸz?k7ѢfR5 (GNpFt<:wHG"' 9_@rqujBz/ɫ7ѢfSApyi: IXpAn陨:HIWRRm=cLZa(ZԹr˷&;rh;rhɣɡKPtIΓ`vo0;y̎dv#Go2;y̎dv#YGn;u۬`vn0;qی`vm0;i,`vcَ;f8ࡦ BR85_G4LFBȈ7:zM)9p0z#ɫ7}+Vw3)eo8SZJm6Nt, epqBPۯ%s۴}2˩}0Ea/3$8[Ql6Qؒۧ\Qj(D%nje%"ALMgd "j7i;IDXa@)ԕ+!Mzp̩>#F(Kee u_mU__hbl5S7[&AE':Nr֤DS=xHoT){stt:6ZZj4 t٤ɔWrym-?j[U9 ז9%)Zu`pdJ?S%Y]OBnR E2W=IyKM Ξ:UdPiTKe) ~I8YA{"H\Hq4YhȔQ%$4(.S|LD%DDf\Kq!)J$ǁqCbZ m>ЛԂ)zrl8e8UX!tl:F1ɋ8bыF-a%Ŵ@E':NrnԂ)Ud~~ HԶc%n ,K6vX!`z)9pӰMcPσg5-3镋}!$')0|UI8 -H+ M4`$U "Uѳ|5bܔ\G~Nt }tM_G ØR6FeHԶ]\bsZO:yæcbC(9~Nt }tMcG~)/b~,_BB@=lE%D|5l,kj5G pHJWNXajA_>h|Z,$iCg5-RGTHRF:RAI#4FIX -H+qPtKe% 9C rsfC-:m9$Rs`g+`,0 k4R>kˈZ, HԶ[!X(:HJWNXajA_Yurw53)S;|t8ReS9"ìlBj6 I4$.8MM&?"+9_];aP~tAGļo:d+JIY$Rs`g+`,0!PQvoZmA{oy԰ιΑ AE':VrqNU ګFp״bы^V3I -HmO rw4QGrw,PEQP-eSԪ2(["+9[ aOI3*0rl fD:Qrdnml֦Ho*Qm +Y -Hmk<9qv#pJ/e|gNt n?3fEE]-a 16{އ亼GبUCÅjRAO6?;a ;ZPiC֔;ZPiC֔;ZPiC =!qӛ:+w#|\r>.G+rT(B+9[G8())DD9RS $"iZf[jH3L| cj^>ߧ;a~':Vr>rJLz ҸۊߍHJgˉ)%VAX@ycma??a~':VrfpI -K)9 -K)Y -K)Y4Q!13@AR2B "q0#CP`?QQQQQQQQQQQS ]Q;t;u;uAfUVkYfUVsYYg?UVkYfUVkYfUVkYfUUI;&ؚj/݄Ҩ~fV|n*f,S c\ V)ߏ;t`k~UP ~(S\ܳ9cGck /uMh n"† N߅H.pchkn)nEø:_)溭'8UO0GdIBG9tԮJo,<E"|b8שO ]Wu4.SndM3he?SښPݩ)6J fx&>D6J T]PkTז v/ u*JE7&2_g')yLl_~AktB%bX%b@oCZ^,\l ʊQ6jb[$>+dlCHV![$^+dlx/XVb[4Z--fEGR]m [YX.huU^F⏊0 XZڐ n W$_wM5uP$?:V-8gtw<QPsBee d&Ԭ?YVmgO &QEޠZ1(#xnNo27PVV8I\QE"oPx Et|ۥ;Vc˓<NJı,Eb+ Ft|ۢlH=W<B,!Q Gz!lt[ ( ]H'G ]tޠ(1!@AB 02"QP`q?@"I$ȒI$Lľyַ< oaK2dY,d̙,K%dY,K%K$Rt#쎟Mu6ƜT>d[? clA^-&='+ ''xx$l:EE;4B~_Hv){aIdf]e1>.iCG6T3:s^Y#s;K;;%\ٺ>g0PS~~oCڛ?AFE!Yd5o'[~%蟉o'[~%o'[~%o'[~%o'[~%o'[~%o'[%He σÛD(*wvqW^sipQ"C6 }hBjFhNMMy;Ԉ*`ulwp;78&$aՓtĝ`B"4bj+dzӓSV}>rϹgܳY,}>rϹgܳY,}>rϹgܳY,}>rϹgܳY,}>zϹg޳[|=ozQDWZ1ޥVJY+%dVJY+%dVJY+%dVJĶG9߇蠩ޯ}Y\~ t.Y؊dL𖹜Aw(mNA6=(эTv2 ykg3n\G9.KhE9DVA2 G +"D&s9=Ɠ (Ϟ;~Q9ߪ`}g+{Lld<_UC݉K}%navھ'>hN&0ڋU660Y ?RKcYEikd0d\dXd^R4>f,+\ذfUmOI*wc@sO2"Kq\*ءKr

lZrRfUԳ{fE3'Qf PϥOnU%1i 6nЮncy*{SphۍK̈"@xC7aJu Jj{ܖ5MO o(Ncr?umOI*wN7'·>›2Q)Ԋmފ7XJ|3+3+3* 2-*S7JYQi]T?k IDn8)XڞTUD XJ`Gl0 ]Y8L+dzӐG5|sm(l͵٪}T΅mމНp)uŻh4x/Z~rϹ4)sgxNS E5i'IP:j(7FMAu9OUC^q6dAŬnecz4{!Yl 8^&2S'Ei[ghV^.[dуGe{aHd7kԡ>yeS"z/c0|eIi9mylP яJJOb]&\qc11N3h! PO궱 K4?W )V_4,V}>՟j5gڳYQ:\9"p5 ok}C[P5qV N?it[2 =7D-VOL7:m JwDYMźVCoҲ|q4AP;uղ=i&@ub7)ad؞TUQ>_{(CCjw}YpΜ&`X]̧)Gܮ.k tqAl{}8Io $*nG9߇TUO_mD^>2mn[#.@* 7/0axNj&⧃ĩ][#֜jDY=gEz"DY؞K;gb,Ev"Y=g,Ez"DYK=gE|z*DYK=g,_%|z/EYK=g,_%8^fPTUQ9Fg%@uiiD9Jڌ0m8`ulZr :TUQ>_m"UB<3;HKJwѴkܭŜBuӵ]=ʁۮNA6ň *i./$$i?eA.$$™j{Y(LbX𧵬6\١rUظ?7)[0w hudd,c#Ek #I'MNPvrLd% ĕVyȯ 6`#sjc?1˝.M:MAsgf8PYm7Z0ӚkčT,[%Op1OqfHcvMijӁ 4Nh>_`o?Qz/+<# X ( tyF腲ZTSu!NLafa!]G'YYL:,GKEn*nG9ڡENv~nT":Y!E$x&Ü'&Ɣ_Iʥs*Sġh%csIQOBF0b_aQ!pUE1 |KJy^tq|Vq+xs8cTulZr (*wXR4UZSe;I-&JNڍ@V ‚z?OQo{$6UZTQ+Nv-b!-pk][#֜o ?EEMenV8*DXq|Um5&FKJwLi5ؤ+6~Y,P;uղ=i&?ު_T4~lО:5R4UZTA g=LAz?f_/Y+fDtTulZr (*w 8@ZebBThbzңtI.:[|V[|V[|Q,*T>в‶mTulZrS~PTUG/* +iE:FKJD=͕ͬWC+65bĊwAުnG9 )5SU迨h*'H]-*7M"{P $3.y>KY+!'tvdzӐқU?Q~t։uTl'tvdzӐқU?Q~m "b/P{Dkdx<1oq╘tjbk1dQɁ$KJNju/px t%\X< ,"%SP;uղ=iiMazmK= ާ*7M;IL>|[˞$s,Q~幜wAުnG9 )(*w 蒘c5|A>N<4MSb5nvwۮNCJms*B!Hΐ UsUwon}fϒK&'ڲb}&/ 'ɋjɉ8Y"?*WD(4%H 4&iβ';жtJwۮNA6T6?$]B^wSL 1oHY;j˟o%Gt!Q0vCCf;p/Mgƞ5Mn z!Ž8zt\8STGf %)MX+Wwmew7e+;4+rOK?qyZfDȄWJ-*<X\[˞tvdzӐқYX/ H ]nV\曦}b\lJG¶a!ZZ85 g J-O-a R ϵEd. so=ӰOT \V~AY>k?g5|zY>j1:ؐ؎c:{Mk9 g!55r4KMZD8 "NCJmnܺQ™SlEɮ&۷ :E?hأOp󣃣fnjM[lNԱ .j3 t UvΗv?#֜D c@lF`6CIj Lb;I)Ib*UhV/v?#֜z^‚zdzӵ!7wvG9 )5S^=iiM_+!1AQa q0@P?! h*tF6?H~33o636ág+CMr2*A2/v /}HCA˧U+%r,׾-_]48~A͋!oy_&66D!4z朂Iǎ5 [;>\W?Sp4-}&Fgvھy4o~r HFߏYoǥJ Y$>N>N>N>N>N>N>N>O>O>O>O~O>O>O>O>O -tOȡwwz)n)Ak OHiJ)s]=,@6VJ"OtZPKH#l|)Dp4G0~D [!Ics;U .Q9r hVB$D1m:b%,u#1GUTuQGuwQGUuQGUwQGUvQGuwQGu4tGmvG}uGIvGADuGyp]\]\]\]\]\]\]\]\F壍+DrB6ҼRk+g@\g_11hڏ4G<`r6~a3]G^%u_+zѵ_I޵})± dgV^n]FeUI1Xqq 6mF1^ } jHkk&ThxAY2/ ZpHnم娎93ܪ "&,WGCRrF|[SZ]5V ĩ8$*Z37읐\Q-@16 XgKɁ6V rרR FpvUT(Yb$H[RZwHԤQG֎ ?#BZl˔k^ۇԸ.R[,*j5t!"S,`4G5Aؾa!QU)m=]m{!\AGQ{aB˴AɃZ,9ZlmJu"}K1##=-%yƛ3mnJ^3賀)2Vdzضq]Q"I8bI&N3A, re䁥!ꭨ9Q1S\9BB:&vK O]-dF,dE+9 Z1B퉶~9+Lahj8E ɠEazDF\$)Zͮx$ 3ԒNh:5ULCUyI7 qmչيîU]uHgŏ̜3DI:1YYeE6l.LlZlT+!(5![TfLW Mv#Hdf a`I VbΤHQ ${z}$儗MgB˕ I$ƗZ?!LVb&jS҄eL +ȎE sH\ oI$Rc;!N|BR`=t#X-nެ}wQG}tuQGUTtQGU:#;_S Hnk_Zj/DZ5[v %HB RŠID:;G-Ƽ9pz b/augxx+ZC\L'2}I/|5ahz8)Ѕ,K*ڶJ/A`nPT%4,bNV.r"-E k: ƮBQY[ h\fN*Λ?+z VUl3Ȃ5#' oqBƇ,g\R(3لच:ı*t,HS*O>/lOR;M&V5jܔ%>2:&k(cN&ؒb3dA8}qSxx{J]f&4dj&G)IfUsDJg"DMGKݎ$Cخr *qRI92*HbඒDe*B dq;GklwHi.^r+&gmTq#AIKI:=0Xې(yOjO `jL lBPA>ɼ {ha$mwN+3(7mC#Ւ[}0}d42Fr+Lbe1?4ʋHjDuriVY )ß)<6I݈;ֿFw#.:ߨFNDBYI˅vVEJJ@˅q#V ') i!$$эQ $s"zEyQ<$̙HDBLQY!M:4ĒPY`),,AP\ID烛 GuLQX$)?ZC{bP֍ȒrS5+h(+&dK+$X݌efǠs̏" c}cb \ p;G !x$kX@3iij/?l#5U &ɲlG}9~>/ ]-;Owsv>BZuZ6d;DžY8~#$7;_ (G#>:EwN#ux v1"VIVaǯv#xD-=ATkM3w7f cd9Uwa?WĎahB8?Css.G=|OJb7svwJ3td'ΆCYiw:I8$7;_"I>rn)&Q IvwμtWHPfuh>X$7;_v>C; Bw,FJ kB Uᱶ{uTn]Mv#8?< ݆!!ٌ}nuZ.ah~>X&.q-.%b (܊k=yMFuZJ^Sy )ϩ6Mÿt#81KQ % \eEKXI |l']\Wp"kd)m./ah0>׀I(ri+IĤr_c r[]_?A8ÃG2nj7z4<ר"Qd6)E%ޒrZbρ.XH,$CNiTvRXϸaw_%x>E-̒ߛ:ήgD'fj$w-a}Rò'ahr88íQ4}"z&7R@p3>T6ϝ< \a[,Y)4CFdޑ?C1nOş|Mla7g͖ V6 BN+kGRr.6ExK(ISem)vWDSzt."x ZEs}dJ 5 zFcjak1[Wq_icĞDqnekcĞAb'}4GpO a$`FO <YIDywIy0s$ <(SeÞ m+mC8$Ӏ<Sm/q_}[U17cC8,<<IAyҋuSlC88O<<QACvidWd0M <<t0quVQDD4#s<<PZ}}ۜ88]44щ<< Pԇ.`cm[ZМ*<H>G9ڟ}z|X٩uŒ<Ir\Ó]PdX#Vlr_<ƏbiP+XtVS8(.K t7nnڈ#9ޜ9uk(%M4l Scյg@FSJ1i  <( +( p[&R ,0Ƞѵ'1L`ra^SeDψh7"$&`x;]F@cp`QM8 $(9S˲1) z{7E)^k`%ҹBg fE+Nr x9L@(!7Ў+vo).gYw^ȧ+Е'7ИɐaO \N@I`  ڢIl3Mi=b"̍M1 舄DN_H"\)' wG!s]`(q e}{ #F3QCaxD"P PQwT;`@h?O?}X-$A ͂[7 q` '`"X)^ʛ~ T7PoڢߵAj~-TSoڦߵEj~.]T;QڧDefs`ds^p@Ff EG4 '8eTU)RG&k?h3dO$jr9n#aqF|Dႄ op@8/< sA@ f8/o[Eox `1A﫦W .wMo%ELH f8{xb+|#tQᗧM T]l{EVr.g!1 W'5M A; =Qo9.D8n8ozSXB$7Q <"nc - b8{xu?ȢQ `rf8{XC!6s D>aD''Z~QR3&eQw] y~@5*R5*RJ.A{Y T?-x-x(1a!Aq@Q 0P`?4W!8883888n"{J}*IoCuS =(gd3c!f3c1f3̄y>,!wN5 ?RIMwB#MpIa%.KBщi &$Fj1k.ߘH\KQ4$6wڕKTvD9JfTYKEMjHr،4kcg?? H7XHij99~M( PHVT(%h4jWuY'؟a@f3ak*OJtV]~s!]a0L& a0L&c1f3}4I]|z|黎[0cB ]LZ굿qƨ.:ຑDq|jY%:Qсc\@ E,xR߂)MG l]=wMkQl7LY{WʿUvZ7|j#kAavCv%$?mMuxiOq4N)kΔj%24z @Q|QQb6IJnOc&Q_.t )!1AQaq 0@?Є P*4hL2˗1\rf.2Yo豗4 B @>}].,r˗˘.?E2rBT4 RB>..\r*TQ"Dn:_B @@ ~2A v[cO&~}ӥKN:_t_t~?_t_t~}}~_tD܇D?~|9!BT}tcŌo`7^W_KjZ6?lw*VS}DBQ!*Q(w>@w8~S_fوr-rf4!h!@:2EjpW)I!U\o-!` v&\/Q#_=%xx'P]GHB B44!;h1`1Xʌa .Φ @!!}u F1כ gjUYI,+5xۄ*ی(srlUoJh1|]VعqetcAcW#hB RC1b<آ0.vyd:O?|>? >:عqdzgoa'3݈=X{\BBΜ#w㾋O4DjZR Y|6rr n=3T{DŽLTYTTKکcԪ'_P {+iǂCYkmn3r2,tم*%at~oO4 ݣbsNRDTw0Y:3SFC^8PQG)0Hz h5\]zKR)Eve_(j+s5X7,Vs8 .:|oABF ȟύcf*9a]4m*ڹ,7Ax=f5`Mq/5Ar qV*-C~"k˄^-s.gbRņE(~%i0 ;C0.ۘt`xD,֢Aq,8݉ƽroËȦ{; a?O\o/}O;ZZc B 2ӂ+be/Óggn8ٲ@#3JAsD@e)CaXÁ R`͕s@S(-PTDuH!R8[hWXY(m%-|b,%R|39䞄;@Q/D,jp;; R1 P+, ]gt'g"I *Ӭs3(E'tqusFXU0!v6{ooIOm?i(GAVT\k{<"XU }qqEn8xw{Qv>z?E\^P:r5)(%[y5PBaf~ygD;"~9W$v䴴dwY hw#Bѿ1c({hSnM`b'uM;;ZPb$XQYNG#Lz~9JHcw lX.mFn\ΊvZ1Dʫ$[L[VB*0hO;2gnEx! Ul/Bʵ8X+72ySЗp߮rzwu0=9DH9\H}\' t`~@ ōqnnm+YB!i6` n15+f\|`90oid" =,\WӰ}>Ӽ}xN,U2z|>}>O}>iϴ}>=ujs!C!Tg4 K/EB>.etyat7E0Äa :oh~'}Y>Y|>aN81Cw :L9źm 7[Sf\ 8- mSL5*΁ x 65T6A[ &٥F @@pIqPs˘a,iɇ<;goK :e>vs^d` gQ!@̀:tXJxROik9BQGgJ>+>+>>3>3>;>;>>>3>3>3>#>>7>>> >==㽳⽓=⽓}}'>=>7 v bzVw=z\vFtk(?"B%*W?v^s17j[9Zkeq%i %"?1*o'E3yXxC\a CxBC?vююzVw=z%sDN;SӐi;9XLn\q/ZoXE8 0^wPR,ja<7>̝Vj':BYĢط]: obAŧ*YŅr} xsOum4 ˵VHrDvmL]fhe0jr0*FrN7Npr.<577].Vh+*wjNJ@P\ 4V;pX7`el=6n8Ґp 6 "ᬦ:XX_/QҲcQz[}tÌ+V0HٵiCm++-$'l*E1`H+ N3 WaKo5m'm/v2 !eÎV UpN&v}BOzVw=zv.IȤ<kZrR.Bm`WK6i\*(x~bn98)q4՗É;983xhQM"aKѫS`,8ٹY۟كĴT|^Q2 hSSis'oՄt~( ~G*<-ffZջ¿h?=r<u@G@*yIS PE67|e06!U\@lbjUQ,zRbBK-,*8:0#c4 LWˍDx@LHa`tv;G}6pOQO$NNs(|lw<"h* [*T)عQ6PcӜy,N a>rY0l[-ɊYS.}DPͼ ŹzfuŬC\am !>Gh8;߈zOD6*0gE2'.URX50uuu"ǰRw:&'QgWgWgmaK7q'wՆІ?tv1NȞ՝^MSqF'$s#Ihß@G' g*V/ahBӇ1t}'gcקz'o{K7Wfpz|c4Xd,5VlZEN z>ˌyL{2w}v."`U2[ ,҇Hkì0霹"84 E;ެ!mC}O]8GhNȞ՝^Mߞ= a8VoxⶨϜWiܹǑŪ->D x$GՙVU)1c8- 1d ~H_2`z31H v7А5;ެ! 5?tx:w>DzoD~QbQ#Zˏ솒 ``R`^Fy{^Qל///j<`-|z @T˽;@MaJJm_Ғ;BAS9NȞ՝^U蝿Ȃ=-%vlgzG1ʢv!gy=y=hV)m(2Y0,W8/,B~;iPQfjVEhs'kՄ!8#w㾝ˤ;<;==ߑ;_172wXB U[0qPnAUqPmK'*AvqdlspJ-Y)Q-(JPʩcL}՜16qXj`a#,qKY!#X@mhAKtc9\ {mf5[6?N;q\=O;;W&s l|La9ondgjAjc .&( Ñx@DaF8,+8)h%87yϙgp\["'JRESxe+lՇEBŌn$Jڳi?̝V6SƦrW$A+%r'2[ImqPR! XƷ䝢aa2X`7@6U&2`/WH2a7U I9OH5(Fɠ-X: ]Eؼ: (ې)u6+Inc8՝^:+dnsoVmEF DѤ@ |CW>Z_-/KVj=.jku7/lUq|N e b!xƑh0Ѩ{I VXV(șe{A€.{D w*A0nܣ;5_aZ9F>dICڠ,)}gIZI U XM4*ی<mSrwFc8t<ǯ 8O9a c+(\zaQsPrŵ7^) eP aAC` mmޞFWQudٌ y#8Tm!<*;Gy;:O4юXƯT}ЄB~CS@"XBN;qNy՝_u~GFq/aNBa}glt;zc> endobj 16 0 obj << /Type /Action /S /URI /URI (https://www.stateoftheplate.info/index.htm) >> endobj 17 0 obj << /Type /Annot /Subtype /Link /A 18 0 R /Border [0 0 0] /H /I /Rect [ 231.7400 480.8240 302.4320 493.0340 ] >> endobj 18 0 obj << /Type /Action /S /URI /URI (https://www.barna.com/research/new-approach/) >> endobj 19 0 obj << /Type /Annot /Subtype /Link /A 20 0 R /Border [0 0 0] /H /I /Rect [ 269.7440 254.6000 323.7680 266.8100 ] >> endobj 20 0 obj << /Type /Action /S /URI /URI (https://www.newfrontierchronicle.org/tithely-offers-digital-tithing-at-corps/) >> endobj 21 0 obj << /Type /XObject /Subtype /Image /Width 550 /Height 140 /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 1 /Columns 550 /BitsPerComponent 8>> /ColorSpace /DeviceGray /BitsPerComponent 8 /Length 5329>> stream xqDǯ뺒$ILfff&I335Lf2\3I2L&_3$3I$d+$\W=9y9lLss99P`0 `0 `0 `0 !U_:~u = F~sZŻدns⃪Qg¢G(F[-s͓^ DZ>d>3Dr#\OΉ, ZFwjux<;4Ƀxز#_v?nO<|{7c(b{Oū}w[N e~Hs䎷wwOn<1B.k+%U=eԘ -mCj)t:}c'ϓ*n"-ovkZ?R"V%wʶ7s]eX&eǕq` 1-2e JYHCFOUam 7:(Ԙt_@ހN t{B~ :V@}o#7!z^&zFL:ʤn X<- %"bNWqF c` M'4?cH-V`ǵAF>=#Ěm75dB I&7E5<>-͏їFǿl3M6x]Y&)2 FoΌ N.<t i4wL\^=_|Fo؏IȄ ik$ɄL?{?|tmCޮ=~T&iTevϷ'奔s?EꋄLPY͹箵?@L:Aˤ3y_:9AtA*0qVe- e6g)%a}.qKcI V/xʤzM|\ HSql0;*%+Mذ-闛obebu2iU&lLbtIcxb5^B#8 ޮaʻ _ w>j+L:$"&O;bZ K1 jmU玫ݢ=S/J<WO2'_yUPvp=`"aL5 Nl7"rlQT޼==-I[Se* F'(\`󴯉'{:נnVZ TG6*r$Tyx^LJū.C<3` %ANrxUo"˄ 0&$tO F&bIcW3GG͈ y!{m,LkCI d,(2"@ dR%F1thUL8Rݒ^+v9^?sʯYעDl~Qd" N2sc|ov}=F,3K#vxIvG^,[OM&wI[#,Jޙ\ض;L^fv[LbyYvM#/EI#/Zס$(ڼ ," &LK/IF i-Zx彰픢]MKeR n(PhV'LҸ\f$w/ e]"mɷWO߻˱ KerSPe (ӼGMȈ}X?ʍto7ZKl+81_Y&ǡd uʤ1Vw!sQ"/$zNkw(t)2BWQW"˄OXLp:e‡# וzn2F}qlc5ؾ:WH xLz LP:d# Q>(MRېd2Qt$o~R$YR5,-nޜLr_βehd" 2k1lvO X= eC p+[R=jU!֖}_DޟY2 (*wkZQ>Fl̲soR#^u3hhyTԲt.LtD8sk4z4Rbl@zp4hy0Tn\=.fnő Y/:TC9<@fSI$:QR/bq7DfR/ֻn)Vqd"䳽˄GL;ϝRG顼n&%Sv eFv,L"t}I&N> D73]$e)( ;]XhL`kSzJlcC$<)깍h}dr,1ܝRM뭍eMa $?e3f8΍҈&P(x+JU5{I 3 M- ;7|#G9 !\œ&=xp2,L{-`?OW":4uܚEadv ~9q.VdV%UT@73$@W¯B!ݒaVLH:!opr;gAɀiήpfߙR E/IDO*Luf0}{7mfyDxT.g)w5RvHx#Z]&M$ gZUTt+lZqZ_;a&JaG,-JLJDFIcV|:I3nB&;N0Lna=Y_Gl,p5,,kc EKgd;2vt7selT9˸sX޲.6r<1!| L0lTMS1?Xsf cq )KSgBB&׭x. v c@^Yk΀v],E[ɾ QhYyXXC2)g/J@su1ScL, ?C[{V2i͛!סӠ&> 6lu>4Ƕʤ|=12鱧l{^:a/Y%~].26G: p^CZ V&Vedҟ?RrX7d#I]ՕuL1 ?_ /12IEh ̴b<ӯ^e _ϝ䰻^]vy> /ColorSpace /DeviceRGB /BitsPerComponent 8 /Length 873>> stream x1j08-K/)],) &gi+:U̲\"9H!@"9H!@"9H!@eY.Z[p_E{QHKV[/`j%ʒcP,SX4W{7urd5ɱPr:-ֆʇX$$zfZpClbw7z{[]qGlwlGlZiM,ߺ7x}w` L9=3zpWL9 j)ۓB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$e]k` B$ DrB$ DrB$ DrB$/؋ endstream endobj 23 0 obj << /Type /ExtGState /BM /Normal /CA 0.3 >> endobj 24 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 25 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Contents 26 0 R >> endobj 26 0 obj << /Filter /FlateDecode /Length 1179 >> stream xn7~9&LIvR8HHKhܐ\ cy>jg0%7" w4_r9~LD$piw!/Ïjb oSH3z Qtހ^44Sow-q᭬qc 탪qZ!U#3/aެ-sQeUDPJﱁfu;ںe֑J3z#JHe>pH[^W ldʩb("r(),hc{ّ#BE&,,;)l(oӏ~2#OX }wm~n@y1WFrd|P49&([jD)Fԧ^qlAk\,$o$J:a0JWaa9bQX"^Y3/[B1\}ގn2\1ʚTsN S{ "J+"MbNG[G(DQƨ80Bw$=%UΩP@!p nHM“|=10[cqJ,8RcG 5؏ԧzcqʧ>wRTHOk-%Igtu~<EHfqMu[kzAQ'ʤ Kr,b|is [@#qL\^~LWt>P$')%fOb3N#IEKB("W3r~tT7{KŃϙ9+oi5?:Rk墤".8u3Y)Ve;Iw^&˝m*\Ni(VbE%}jY|JOwlYYWJ_>ͳge2 endstream endobj 27 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 28 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 29 0 obj << /Type /XObject /Subtype /Image /Width 550 /Height 140 /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 1 /Columns 550 /BitsPerComponent 8>> /ColorSpace /DeviceGray /BitsPerComponent 8 /Length 5329>> stream xqDǯ뺒$ILfff&I335Lf2\3I2L&_3$3I$d+$\W=9y9lLss99P`0 `0 `0 `0 !U_:~u = F~sZŻدns⃪Qg¢G(F[-s͓^ DZ>d>3Dr#\OΉ, ZFwjux<;4Ƀxز#_v?nO<|{7c(b{Oū}w[N e~Hs䎷wwOn<1B.k+%U=eԘ -mCj)t:}c'ϓ*n"-ovkZ?R"V%wʶ7s]eX&eǕq` 1-2e JYHCFOUam 7:(Ԙt_@ހN t{B~ :V@}o#7!z^&zFL:ʤn X<- %"bNWqF c` M'4?cH-V`ǵAF>=#Ěm75dB I&7E5<>-͏їFǿl3M6x]Y&)2 FoΌ N.<t i4wL\^=_|Fo؏IȄ ik$ɄL?{?|tmCޮ=~T&iTevϷ'奔s?EꋄLPY͹箵?@L:Aˤ3y_:9AtA*0qVe- e6g)%a}.qKcI V/xʤzM|\ HSql0;*%+Mذ-闛obebu2iU&lLbtIcxb5^B#8 ޮaʻ _ w>j+L:$"&O;bZ K1 jmU玫ݢ=S/J<WO2'_yUPvp=`"aL5 Nl7"rlQT޼==-I[Se* F'(\`󴯉'{:נnVZ TG6*r$Tyx^LJū.C<3` %ANrxUo"˄ 0&$tO F&bIcW3GG͈ y!{m,LkCI d,(2"@ dR%F1thUL8Rݒ^+v9^?sʯYעDl~Qd" N2sc|ov}=F,3K#vxIvG^,[OM&wI[#,Jޙ\ض;L^fv[LbyYvM#/EI#/Zס$(ڼ ," &LK/IF i-Zx彰픢]MKeR n(PhV'LҸ\f$w/ e]"mɷWO߻˱ KerSPe (ӼGMȈ}X?ʍto7ZKl+81_Y&ǡd uʤ1Vw!sQ"/$zNkw(t)2BWQW"˄OXLp:e‡# וzn2F}qlc5ؾ:WH xLz LP:d# Q>(MRېd2Qt$o~R$YR5,-nޜLr_βehd" 2k1lvO X= eC p+[R=jU!֖}_DޟY2 (*wkZQ>Fl̲soR#^u3hhyTԲt.LtD8sk4z4Rbl@zp4hy0Tn\=.fnő Y/:TC9<@fSI$:QR/bq7DfR/ֻn)Vqd"䳽˄GL;ϝRG顼n&%Sv eFv,L"t}I&N> D73]$e)( ;]XhL`kSzJlcC$<)깍h}dr,1ܝRM뭍eMa $?e3f8΍҈&P(x+JU5{I 3 M- ;7|#G9 !\œ&=xp2,L{-`?OW":4uܚEadv ~9q.VdV%UT@73$@W¯B!ݒaVLH:!opr;gAɀiήpfߙR E/IDO*Luf0}{7mfyDxT.g)w5RvHx#Z]&M$ gZUTt+lZqZ_;a&JaG,-JLJDFIcV|:I3nB&;N0Lna=Y_Gl,p5,,kc EKgd;2vt7selT9˸sX޲.6r<1!| L0lTMS1?Xsf cq )KSgBB&׭x. v c@^Yk΀v],E[ɾ QhYyXXC2)g/J@su1ScL, ?C[{V2i͛!סӠ&> 6lu>4Ƕʤ|=12鱧l{^:a/Y%~].26G: p^CZ V&Vedҟ?RrX7d#I]ՕuL1 ?_ /12IEh ̴b<ӯ^e _ϝ䰻^]vy> /ColorSpace /DeviceRGB /BitsPerComponent 8 /Length 873>> stream x1j08-K/)],) &gi+:U̲\"9H!@"9H!@"9H!@eY.Z[p_E{QHKV[/`j%ʒcP,SX4W{7urd5ɱPr:-ֆʇX$$zfZpClbw7z{[]qGlwlGlZiM,ߺ7x}w` L9=3zpWL9 j)ۓB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$e]k` B$ DrB$ DrB$ DrB$/؋ endstream endobj xref 0 31 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000461 00000 n 0000000498 00000 n 0000000647 00000 n 0000000783 00000 n 0000002587 00000 n 0000002694 00000 n 0000002802 00000 n 0000002912 00000 n 0000003025 00000 n 0000003141 00000 n 0000003170 00000 n 0000032355 00000 n 0000032481 00000 n 0000032575 00000 n 0000032703 00000 n 0000032799 00000 n 0000032927 00000 n 0000033056 00000 n 0000038631 00000 n 0000039762 00000 n 0000039821 00000 n 0000039880 00000 n 0000039985 00000 n 0000041238 00000 n 0000041295 00000 n 0000041352 00000 n 0000046927 00000 n trailer << /Size 31 /Root 1 0 R /Info 5 0 R /ID[<61cfcb8a5d8b505cd7a62fb78629aaf0><61cfcb8a5d8b505cd7a62fb78629aaf0>] >> startxref 48058 %%EOF Will online giving be enough? | Caring Magazine

Vol. #28

Grace Uncovered

Read Issue

Latest Impact StoriesView All

Popular Topics

PopularView All

Will online giving be enough?

May 22, 2020
3 minute read
Total
0
Shares
0
0
0
Listen to this article

Corps turn to Tithe.ly as pandemic shelves collection baskets.

By Jared McKiernan – 

With traditional Sunday worship services on pause due to COVID-19, tithing numbers have taken a nosedive across the U.S. 

A survey by the National Association of Evangelicals of over 1,000 churches showed nearly two-thirds of churches have seen a decline in Sunday giving since mid-March. In a Barna survey of 434 pastors through the end of March, 79 percent said giving was down, with 47 percent reporting it’s down “significantly.”

It’s a trend playing out in The Salvation Army Western Territory, too. According to data collected by the West, total giving is down about 28 percent since February, the last full calendar month before stay-at-home orders were put in place.

While many churchgoers now mail checks in or drop them off in person, those options don’t exist for everyone, and it’s caused a significant setback for many corps.

“Most of our folks give cash [so we’ve seen a] significant drop,” said Santa Barbara (California) Corps Officer Major Jessyca Carr. “We have some pretty financially insecure folks who manage to give $5 here, $20 there, but a lot of them don’t have bank accounts.”

There is, however, reason for optimism: the pandemic has sparked a widespread surge in online donations through Tithe.ly, an online giving app that charges a small fee per donation. Since making Tithe.ly available to the Western Territory in April 2018, The Salvation Army has seen gradual adoption of the platform in many of its corps.

In February, Tithe.ly donations accounted for about 9 percent of church giving in the West. By the end of April, that number increased to 31.5 percent. The weekly average of all Tithe.ly donations in the territory similarly climbed from about $12,000 in February to nearly $30,000 in April—a 150 percent spike.

Major Gwyn Jones, Concord (California) Corps Officer, said even before the pandemic hit, many people in his corps were using Tithe.ly. That, he said, has helped his corps not only weather the crisis, but actually increase its total giving since mid-March.

“I’ve been able to remind people to give through our weekly Facebook Live service,” he said. “We’ve chatted with our church leaders about keeping the Facebook Live service even after things go back to whatever normal will be.”

Yet, online giving hasn’t been equally embraced by each community. Oftimes, its adoption is heavily influenced by the makeup of a given congregation. Case in point: the Monterey Peninsula (California) Corps. 

Assistant Corps Officer Lt. David Vargas said he’s the only one in his corps who gives online. Everyone else still prefers to mail in their checks or drop them off at the office. All that to say, the corps’ total giving has remained steady during the pandemic.

“Our congregation is older and prefers to write a check [instead of] potentially give out their information,” Vargas said. “They don’t trust the internet, nor do they like the fee that they incur for giving.”

One thing’s for certain: without online donations to help defray dips in overall giving, the pandemic could pose a much more stubborn challenge for many corps.

Tim Schaal, the West’s IT Director, noted it’s difficult to predict if the Tithe.ly trend will persist once traditional worship services pick back up. Still, it’s likely online donations will dip from where they are now, but not necessarily back to pre-COVID-19 levels.

As Schaal said, “More individuals have now discovered how easy it is to give via Tithe.ly.”

Download this page as a PDF

You May Also Like