Enhancing Patent Diversity for America's Innovators (House Small Business Committee hearing, January 15, 2020)
Summary
Transcript of the House Committee on Small Business hearing Enhancing Patent Diversity for America's Innovators, on January 15, 2020, published as Small Business Committee Document Number 116–067. Chairwoman Nydia Velázquez and Ranking Member Steve Chabot gave opening statements. Witnesses were Andrea Ippolito of W.E. Cornell at Cornell University, Dr. Rashawn Ray of the Brookings Institution, Janeya Griffin of The Commercializer, LLC, and Rick C. Wade of the U.S. Chamber of Commerce. The appendix adds a statement by Holly Fechner of Covington & Burling LLP on behalf of the Innovation Alliance among other material.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
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“Enhancing Patent Diversity for America's Innovators (House Small Business Committee hearing, January 15, 2020).”
Original at www.govinfo.gov. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/enhancing-patent-diversity-for-america-s-innovators-house-small-busine-dfd2610759/
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ENHANCING PATENT DIVERSITY FOR AMERICA’S
INNOVATORS
HEARING
BEFORE THE
COMMITTEE ON SMALL BUSINESS
UNITED STATES
HOUSE OF REPRESENTATIVES
ONE HUNDRED SIXTEENTH CONGRESS
SECOND SESSION
HEARING HELD
JANUARY 15, 2020
Small Business Committee Document Number 116–067
Available via the GPO Website: www.govinfo.gov
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ENHANCING PATENT DIVERSITY FOR AMERICA’S INNOVATORS
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ENHANCING PATENT DIVERSITY FOR AMERICA’S
INNOVATORS
HEARING
BEFORE THE
COMMITTEE ON SMALL BUSINESS
UNITED STATES
HOUSE OF REPRESENTATIVES
ONE HUNDRED SIXTEENTH CONGRESS
SECOND SESSION
HEARING HELD
JANUARY 15, 2020
Small Business Committee Document Number 116–067
Available via the GPO Website: www.govinfo.gov
U.S. GOVERNMENT PUBLISHING OFFICE
38–875 WASHINGTON : 2020
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HOUSE COMMITTEE ON SMALL BUSINESS
NYDIA VELÁZQUEZ, New York, Chairwoman
ABBY FINKENAUER, Iowa
JARED GOLDEN, Maine
ANDY KIM, New Jersey
JASON CROW, Colorado
SHARICE DAVIDS, Kansas
JUDY CHU, California
MARC VEASEY, Texas
DWIGHT EVANS, Pennsylvania
BRAD SCHNEIDER, Illinois
ADRIANO ESPAILLAT, New York
ANTONIO DELGADO, New York
CHRISSY HOULAHAN, Pennsylvania
ANGIE CRAIG, Minnesota
STEVE CHABOT, Ohio, Ranking Member
AUMUA AMATA COLEMAN RADEWAGEN, American Samoa, Vice Ranking Member
TROY BALDERSON, Ohio
KEVIN HERN, Oklahoma
JIM HAGEDORN, Minnesota
PETE STAUBER, Minnesota
TIM BURCHETT, Tennessee
ROSS SPANO, Florida
JOHN JOYCE, Pennsylvania
DAN BISHOP, North Carolina
MELISSA JUNG, Majority Staff Director
JUSTIN PELLETIER, Majority Deputy Staff Director
KEVIN FITZPATRICK, Staff Director
(II)
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CONTENTS
OPENING STATEMENTS
Page
Hon. Nydia Velázquez ............................................................................................. 1
Hon. Steve Chabot ................................................................................................... 3
WITNESSES
Ms. Andrea Ippolito, Program Director of W.E. Cornell, Cornell University,
Ithaca, NY ............................................................................................................. 4
Dr. Rashawn Ray, David M. Rubenstein Fellow, The Brookings Institution,
Washington, DC ................................................................................................... 6
Ms. Janeya Griffin, Managing Member and Principal Consultant, The
Commercializer, LLC, Lancaster, CA ................................................................. 8
Mr. Rick C. Wade, Vice President, Strategic Alliances and Outreach, U.S.
Chamber of Commerce, Washington, DC ........................................................... 10
APPENDIX
Prepared Statements:
Ms. Andrea Ippolito, Program Director of W.E. Cornell, Cornell Univer-
sity, Ithaca, NY ............................................................................................. 25
Dr. Rashawn Ray, David M. Rubenstein Fellow, The Brookings Institu-
tion, Washington, DC ................................................................................... 35
Ms. Janeya Griffin, Managing Member and Principal Consultant, The
Commercializer, LLC, Lancaster, CA .......................................................... 42
Mr. Rick C. Wade, Vice President, Strategic Alliances and Outreach,
U.S. Chamber of Commerce, Washington, DC ........................................... 56
Questions for the Record:
None.
Answers for the Record:
None.
Additional Material for the Record:
Statement of Holly Fechner, Covington & Burling LLP on behalf of Inno-
vation Alliance .............................................................................................. 62
Statement of Incubate ...................................................................................... 67
Statement of Susie M. Armstrong, Senior Vice President, Engineering,
QUALComm, Inc. .......................................................................................... 71
Success Act combined written testimonies from 24 witnesses ..................... 81
Success Act transcript, Alexandria, VA .......................................................... 212
Success Act transcript, Detroit, MI ................................................................. 304
Success Act transcript, San Jose, CA ............................................................. 490
Success Act, Inventor letter to Hon. Velázquez ............................................. 609
(III)
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ENHANCING PATENT DIVERSITY FOR
AMERICA’S INNOVATORS
WEDNESDAY, JANUARY 15, 2020
HOUSE OF REPRESENTATIVES,
COMMITTEE ON SMALL BUSINESS,
Washington, DC.
The Committee met, pursuant to call, at 11:31 a.m., in Room
2360, Rayburn House Office Building. Hon. Nydia Velázquez
[chairwoman of the Committee] presiding.
Present: Representatives Velázquez, Finkenauer, Golden, Kim,
Davids, Chu, Evans, Schneider, Delgado, Houlahan, Craig, Chabot,
Balderson, Hagedorn, Stauber, Burchett, and Joyce.
Chairwoman VELÁZQUEZ. Good morning. The Committee will
come to order.
I would like to start by thanking all of our witnesses for coming
today to participate in this important hearing.
As the Chair of the House Small Business Committee, I see
every day how innovation and invention drive entrepreneurship.
An important part of how we support American inventors is
through our patent system. Applying for and obtaining a patent al-
lows small firms to gain access to capital, find licensing deals, and
level the playing field with larger competitors—all of which lead to
jobs and economic growth.
However, women, minorities, and low-income individuals from
urban and rural America are significantly underrepresented in the
innovation ecosystem. The Institute for Women’s Policy Research
reported that in 2016, less than 20 percent of U.S. patents listed
one or more women as inventors, and under 8 percent listed a
woman as the primary inventor. Research also reveals that only six
patents per million were attributed to African American inventors.
Additionally, children who are born to high-income families are 10
times more likely to obtain a patent than children from below-me-
dian income families.
This severe underrepresentation not only hurts these groups, but
the economy as a whole. Reports show the U.S. GDP would grow
by 4.6 percent if more women and minority inventors were included
in the patent system. This is particularly troubling for low-income
communities and rural America that are already suffering from
being on the wrong side of the digital divide. That is why this Com-
mittee held a staff briefing on rural innovation to educate Members
and staff on the obstacles inventors and tech founders face in build-
ing innovation hubs in rural America.
As the Chairwoman of this Committee, I am dedicated to ensur-
ing that every corner of America has equal access to the patent sys-
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tem. Doing so is not only the right thing to do; it makes economic
sense to harness the potential of all Americans to fully support in-
novation and competitiveness.
During today’s hearing we will hear from experts on barriers to
entry in the patent system, how we can craft public policy to in-
crease diversity, and other challenges facing women and minorities
in STEM-heavy industries.
One way to improve the intellectual property system is gathering
better information on who is applying for patents. Thanks to the
leadership of the Ranking Member, Mr. Chabot, his legislation, the
SUCCESS Act, required the USPTO to look at the participation of
women, minorities, and veterans in the patent system. That bill
and its report were a great first step. However, a key finding was
that there is a limited amount of publicly available data regarding
the participation rates of women, minorities, and veterans.
If you cannot measure it, you cannot improve it. This lack of re-
search and reporting on patent applicant demographic data makes
it difficult for policymakers to advance legislation that will foster
inclusive innovation.
I have mentioned many times that nearly 85 percent of SBA loan
applicants voluntarily fill out the demographic data that is col-
lected by SBA. This provides the Committee with valuable insight
regarding the small businesses utilizing the SBA for access to cap-
ital.
The IDEA Act, which I introduced earlier this Congress, builds
on the SUCCESS Act by collecting patent applicant demographic
data on a voluntary basis at the application stage and directing the
USPTO to produce reports. Collecting and reporting this valuable
information will drive better policy and help close the patent gap
faced by women, minorities, and others. It will also provide insight
so that we can make smart, targeted investments to increase the
pool of inventors and entrepreneurs.
At the same time, we must also address some of the barriers
many Americans have obtaining patents in the current system, in-
cluding increased diversity in venture capital and the tech indus-
try, robust support for women and minorities in STEM education,
and congressional support of the SBIR program.
Today, women received just 2.2 percent of venture capital and
under 3 percent of venture-backed founders were Black or Latino.
Further, women hold less than 20 percent of U.S. tech jobs and
only 5 percent are in positions of leadership at technology compa-
nies. Similarly, African Americans hold less than 15 percent of tech
positions and Latinos 14 percent. Clearly, more must be done to in-
crease diversity.
Supporting STEM education and the SBA’s SBIR program are
two other important ways to address the lack of diversity in the
technology sector. Studies show that 75 percent of girls who have
participated in hands-on STEM activities are empowered to seek
careers in technology, while government programs like SBIR have
made strides to foster participation by women and minorities
through their national road show.
I look forward to hearing from today’s witnesses and working
with my colleagues on both sides of the aisle to create meaningful
policies that foster more opportunities for all Americans to inno-
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vate, seek patent protection for their inventions, and reap the bene-
fits of entrepreneurship.
I now would like to yield to the Ranking Member, Mr. Chabot,
for his opening statement.
Mr. CHABOT. Thank you, Madam Chair, and thank you for
holding this important meeting today.
Today, as you indicated, the Committee will address the need for
increased diversity in U.S. patents. Intellectual property (IP) plays
a vital role in protecting creative and innovative products and
ideas. Our Nation’s small businesses represent about 96 percent of
employer firms in manufacturing industries with a high number of
patents. Studies show that small business owners with IP protec-
tions can earn over 30 percent more in revenue compared to their
counterparts who have none. Firms with IP rights also pay on av-
erage 20 percent more in wages.
The process for obtaining these protections can be challenging.
Some small business owners are not even aware that they should
protect their innovative products and ideas with intellectual prop-
erty protections.
In the last Congress, I was involved in helping to get the SUC-
CESS Act passed. This law became the starting point for this hear-
ing and gave the U.S. Patent and Trademark Office the oppor-
tunity to collaborate with the SBA in order to study and reach rec-
ommendations for how to better include women and minorities in
entrepreneurship and patent activities.
Today, we will hear from a panel of very distinguished witnesses
who will help us think about what the next steps should be in en-
suring that there is patent diversity. I look forward to hearing
what we can do to foster America’s creative small businesses mov-
ing forward.
Again, we want to thank all our panel members for being here
this morning. We look forward to their testimony and asking ques-
tions, and I yield back.
Chairwoman VELÁZQUEZ. Thank you, Mr. Chabot. The gen-
tleman yields back.
If Committee Members have an opening statement, we would ask
that they be submitted for the record.
I would like to take a minute to explain the timing rules. Each
witness gets 5 minutes to testify and Members get 5 minutes for
questioning. There is a lighting system to assist you. The green
light comes on when you begin, and the yellow light means there
is 1 minute remaining. The red light comes on when you are out
of time, and we ask that you stay within that timeframe to the best
of your ability.
I would now like to introduce our witnesses on today’s first
panel.
Our first witness today is Ms. Andrea Ippolito. Ms. Ippolito cur-
rently serves as Executive Director of Engineering Management
Program and creator of W.E. Cornell at Cornell University, which
works to increase the number of women in Cornell’s STEM-based
entrepreneurship programs. Prior to joining Cornell, she served as
the Director of the Department of Veterans Affairs Innovators Net-
work within the VA Center for Innovation. In this capacity, Ms.
Ippolito designed and oversaw the creation of a $10.5 million pro-
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gram that provides tools and resources to VA employees to develop
innovations that improve the experience of our veterans. Ms.
Ippolito pursued doctoral studies in the Engineering Systems Divi-
sion at MIT and also completed her M.S. in Engineering and Man-
agement at MIT. Welcome, Ms. Ippolito.
Our second witness is Dr. Rayshawn Ray. Dr. Ray, a David M.
Rubenstein Fellow in Governance Studies at The Brookings Insti-
tution, is Associate Professor of Sociology and Executive Director of
the Lab for Applied Social Science Research at the University of
Maryland, College Park. Dr. Ray’s research addresses the mecha-
nisms that manufactures and maintains racial and social inequal-
ity. Dr. Ray has published over 50 books, articles, and book chap-
ters, and nearly 20 op-eds on the intersection of race, gender, and
work. Welcome, Dr. Ray.
Our third witness is Ms. Janeya Griffin. Ms. Griffin is founder
and CEO of The Commercializer, a strategic consulting firm that
collaborates with entrepreneurs and institutions to bring ideas and
talents to fruition and increase economic growth opportunities. Fo-
cusing on technology, entrepreneurship, and inclusive innovation,
Ms. Griffin is an experienced business development strategist as-
sisting a range of client—from small business owners to historically
black colleges and universities, to underserved community organi-
zations. Welcome.
Now I yield to the Ranking Member to introduce our final wit-
ness.
Mr. CHABOT. Thank you, Madam Chair.
Our final witness will be Rick Wade, who is the vice president
of Strategic Alliances and Outreach at the U.S. Chamber of Com-
merce. Previously, he worked with the Department of Commerce
Economic Development Administration and the Minority Business
Development Agency. Before joining the Chamber he was the dep-
uty chief of staff to former Secretary of Commerce, Gary Locke, and
a member of the White House Interagency Task Force on Federal
contracting opportunities for small businesses. He received his B.S.
from the University of South Carolina, an MPA from Harvard Uni-
versity, and was awarded honorary doctorates from Benedict Col-
lege and from South Carolina State University. We welcome you
here this morning, Mr. Wade. Thank you.
Chairwoman VELÁZQUEZ. Thank you, Mr. Chabot.
Ms. Ippolito, you are now recognized for 5 minutes.
STATEMENTS OF ANDREA IPPOLITO, PROGRAM DIRECTOR OF
W.E. CORNELL, CORNELL UNIVERSITY; DR. RASHAWN RAY,
DAVID M. RUBENSTEIN FELLOW, THE BROOKINGS INSTITU-
TION; JANEYA GRIFFIN, MANAGING MEMBER AND PRIN-
CIPAL CONSULTANT, THE COMMERCIALIZER, LLC; RICK C.
WADE, VICE PRESIDENT, STRATEGIC ALLIANCES AND OUT-
REACH, U.S. CHAMBER OF COMMERCE
STATEMENT OF ANDREA IPPOLITO
Ms. IPPOLITO. Thank you, Chairwoman Velázquez, Ranking
Member Chabot and members of the Committee for inviting me to
speak here today. I am incredibly honored to be here as a citizen,
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biomedical engineer, entrepreneur, and faculty member at Cornell
University.
At Cornell, I focus my teaching efforts on cultivating women en-
trepreneurs in the sciences, where I serve as a lecturer in the Col-
lege of Engineering and SC Johnson College of Business. I also di-
rect a program called Women Entrepreneurs Cornell (W.E. Cornell)
at the Center for Regional Economic Advancement, a hub at Cor-
nell for several entrepreneurship programs.
In my testimony, I will focus on the challenges facing women in
obtaining patents. However, the challenges I will talk about today
also apply to other minority groups and are often felt even more
acutely by men and women of color.
Today, women make up just 12 percent of all patent inventors.
If we continue business as usual, it will take an estimated 116
years to reach gender parity in patenting. This is not an acceptable
status quo.
Innovation is the cornerstone of our economy. We need to be
bringing more and diverse people into the innovation ecosystem to
remain competitive on the global stage. The USPTO says if women,
minorities and low-income individuals were to invent patent tech-
nology at the same rate as white men from high-income house-
holds, the rate of innovation in American would quadruple.
Now, let’s take a look at the barriers. It is important to note up
front that many of the barriers facing women in the patenting proc-
ess are the same obstacles that women battle in the workplace at
large—systemic gender discrimination and lack of access to institu-
tional resources and mentoring in the right fields.
Women are actually making significant gain in STEM fields and
entrepreneurship, participating in these fields at greater rates than
ever before. At Cornell University, 50 percent of all undergraduate
engineering students are women. However, the growing number of
women in STEM fields has not translated to increases in female
patent inventors.
But getting more women into STEM fields is not enough. The
real gap comes from the rate of women involved in patent-intensive
fields, such as electrical and mechanical engineering. We also see
far fewer women seeking patents in private industry than in the
academic sector. Given that 85 percent of patents go to private in-
dustry, this presents a challenge to gender parity.
So why this gap? The existing research suggests that a lack of
exposure to women in patent-producing fields is a key cause of
sluggish growth in female innovation. Basically, it is a vicious
cycle. A lack of women in these fields mean a lack of mentors, role
models, and sponsors for aspiring women inventors seeking guid-
ance and resources to innovate.
Speaking from personal experience, my mother was an electrical
engineer and constantly exposed me to STEM fields growing up.
Her example created a pathway for me, which I hope to pass on
to my daughter who is here with me today. If we are serious about
raising the rates of women filing for and obtaining patents, we
need to focus more resources on creating pathways to innovation
and patenting for individuals in the academic sector and by bring-
ing more women into patent-intensive fields.
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Part of creating that pathway is addressing the high cost of pat-
enting. The cost of patenting can range from $5,000 to $20,000 de-
pending on the complexity of the technology. For individuals, the
cost almost always falls directly on the inventor. The cost is often
a heavier burden for women inventors due to continued gender-
wage disparity and lack of access to venture capital or seed stage
investment. Note that just 2 percent of venture capital in the U.S.
goes to women-only founders.
Women also bear a disproportionate share of the responsibilities
for child rearing and they point to child care costs as a key barrier
to pursuing patents. A 2011 study found that patenting rates for
women academics with children are lower than men and women
faculty without children. And many academics actually increase
patent activity with parenthood.
Now, there are a few ways we can start to address the barriers
facing women in the patenting process. First, the Federal Govern-
ment should consider directing resources to establishing programs
that provide onramps dedicated to increasing women’s and minor-
ity group exposure to the patent and commercialization process.
These resources should be directed to sectors in which women are
currently pursuing patents, such as the academic sector, as well as
for bringing women into patent-intensive fields. Specifically, we
recommend that the SBA and USPTO consider a joint initiative
which would create funds for onramp programs that focus on
women and minorities.
Second, these on-ramp programs should be feeders to existing en-
trepreneurship initiatives in the university, community, or region,
such as the NSF I-Corps program among others.
And third, we need to address the cost of applying for a patent.
Tailored programs and entrepreneurship initiatives should consider
specific funding for patent support to cover the cost of applying for
parents and hiring the appropriate legal counsel.
In conclusion, let’s tackle this together to bring untapped talent
into the innovation sphere, and support more equitable and just
economic prosperity across our Nation. I would be happy to answer
any questions that you have.
Chairwoman VELÁZQUEZ. Thank you, Ms. Ippolito.
Dr. Ray, now you are recognized for 5 minutes.
STATEMENT OF RASHAWN RAY
Dr. RAY. Chairwoman Velázquez, Ranking Member Chabot, and
distinguished members of the Committee on Small Business, thank
you for inviting me to testify on Enhancing Patent Diversity for
America’s Innovators. I am currently a David M. Rubenstein Fel-
low at The Brookings Institution and an associate professor of Soci-
ology at the University of Maryland. I am also the executive direc-
tor of the Lab for Applied Social Science Research (LASSR). At
LASSR, what we do regularly partner with government agencies,
organizations, and corporations to conduct objective research eval-
uations and develop innovative research products, such as our vir-
tual reality work with law enforcement and incarcerated people.
My comments will primarily focus on the importance of collecting
data. What are public attitudes, how do people behave, and why is
it important to collect demographic data?
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A majority of Americans want to be in control of who collects
data on them, what is collected, for how long that data are stored,
and what the data will be used for. However, context matters. For
example, 90 percent of Americans view their social security number
as very sensitive, whereas, only 8 percent view their purchasing
habits as being very sensitive. About 80 percent of Americans re-
port having awareness that the government collects information
about verbal, written, and online communication. And people seem
to be quite comfortable with credit card companies collecting and
storing data on them, followed closely by the government. They are
much less likely, however, to be comfortable with websites they
visit online, as well as cable and cellphone companies. Over 50 per-
cent of Americans think that the government should be able to
store data for a few years or as long as they need to. At the same
time, however, slightly less than one-third of Americans perceive
the government will keep their data safe and private. This is com-
parable to views about cellphone companies and cable companies.
Partly, this simply has to do with a decline in public trust and so-
cial institutions. However, the public is much more likely to trust
science and medicine than other social institutions.
So, do people actually voluntarily provide demographic informa-
tion on a survey when asked? In short, yes. My experience col-
lecting data is that people overwhelmingly answer demographic
questions on surveys. I have conducted surveys and interviews
with the general public; police officers; students; families; parents;
employees of companies; members of religious organizations;
protestors and march attendees, people who have lost large
amounts of weight; people living in urban, suburban, and rural
areas; people on the west coast, the south, east coast, as well as
the mid-west; and other high-risk groups. I have conducted these
surveys and interviews in-person, online, on paper, and on tablets
and other smart devices. I have asked demographic questions ver-
bally, too, and the response rate is similar.
Generally, I have asked respondents an assortment of questions
ranging from questions about police-civilian relationships to sexual
assault on campus, to issues with family and relationships. And
overwhelmingly, people still voluntarily provide demographic infor-
mation. I typically ask an assortment of questions about demo-
graphics—gender, age, race, ethnicity, national origin, sexual ori-
entation, education level, household income, military or veteran
status, and disability. I have also asked people who live in their
household, what their relationship is to these people as well as peo-
ple’s political and religious beliefs.
In this regard, demographic data encompasses a host of factors
well beyond race or gender. By collecting other factors, it gives re-
searchers the ability to conduct statistical analyses to determine
what other factors matter in a survey.
In a typical survey, less than 5 percent of respondents refuse to
answer demographic questions. I am also the co-editor of an aca-
demic publication, Contexts Magazine: Sociology for the Public, and
no matter how obscure the topic, rarely do researchers report hav-
ing difficulty getting respondents to answer demographic questions.
I want to end with three points about why it is important to col-
lect demographic data. First, more data are normally better be-
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cause they help to eliminate false positives. For example, the lack
of demographic data may inflate the likelihood of certain groups
catching a daily disease, having an early onset of dementia, or even
whether or not they receive a patent or not, how many times they
had to apply to receive a patent, and then what impact that patent
might actually have on their economic growth.
Oh, and the other thing, these false positives may inadvertently
funnel resources to the wrong areas. So, by not including demo-
graphic factors, we might be misplacing resources and efficiencies.
Second, the collection of demographic data allows for the deter-
mination of whether or not a sample is representative. Representa-
tion is extremely, extremely key, whether or not we are talking
about people living in urban, or rural areas; whether or not we are
talking about across different demographic groups, veteran status,
disability status, et-cetera.
So, if a researcher is conducting a study on vaccines, for example,
a representative sample is paramount. And I think everyone knows
that there is kind of a history of this legacy here of what happens
when you do not have a representative sample.
If there is an over or underrepresentation of certain groups, the
analysis will then likely over or underestimate the impact of say,
in this case, vaccines and other sorts of outcomes. I also study algo-
rithms and we have seen that recently as well, the impact that can
have in the medical sphere.
Third, what most Americans desire more than anything is trans-
parency, inclusion, and equity. Demographic data help to provide
this. A lack of demographic data often leads to bad science, does
a disservice to Americans, and inhibits the United States’ ability in
continuing to be innovative and comprehensive.
Chairwoman VELÁZQUEZ. Thank you, Dr. Ray.
Ms. Griffin, you are now recognized for 5 minutes.
STATEMENT OF JANEYA GRIFFIN
Ms. GRIFFIN. Chairwoman Velázquez, Ranking Member Chabot,
and members of the Committee, good morning. Thank you for this
opportunity to discuss increasing diversity within our patent and
commercialization system. I am honored to be here with you today.
My name is Janeya Griffin, The Commercializer. I am an advo-
cate for intellectual property. The first time that I truly learned
about the value of patents was not in grade school or even college.
Not in history books that were part of any common core curriculum
that I was taught. It was only after college when I met professors
who had patents who looked like me did I believed that it was pos-
sible to obtain one.
Before becoming an advocate for IP, I was a STEM graduate
from Grambling State University. The dean of my college recog-
nized the entrepreneur in me and encouraged me to apply for a fel-
lowship program called the Integrated Technology Transfer Net-
work. Funded by the Department of Navy through earmarks, it
took STEM students from HBCUs and taught us the business side
of things so we could speak and understand the technical language,
then translate that into a value proposition that business people
could understand. Unfortunately, that program was defunded in
2011.
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By receiving certification in entrepreneurial technology commer-
cialization, I was able to learn the true value and functionality of
IP and work on tech transfer projects from several Federal labs
where I evaluated patents to determine their commercial potential.
Today, I manage and sell NASA’s IP.
Having said that, I am a black woman with a very unique
skillset and only have the knowledge about the patent and com-
mercialization system because I went through a very specialized
program that targeted STEM students from HBCUs. This program
has created inventors, small business owners, and even directors of
SBA-funded programs. The advocacy work I do for innovators of
color allows me to speak to what I see may be the issues that the
country’s patent and commercialization process is facing.
My story about patents is not unique. I have surveyed my col-
leagues, clients, and professionals within this space and the senti-
ments are mostly the same. Many of them, even those who are pat-
ent attorneys, only learned about the value of IP when they
reached grad school or as they were assigning their ownership
rights to their IP over to their soon-to-be employer.
Research shows black inventors receive six patents per million
people compared to 235 of their white counterparts. So if you com-
bine 13 of the Nation’s NFL stadiums, only six of those seats were
for black people.
It is clear that even with the invention of the Internet, there are
still huge exposure gaps in education when it comes to people of
color seeing the contributions of people that look like them in the
history books we are learning from. We should be highlighting and
elevating inventors such as Marian Croak, a black woman with al-
most 200 patents who has a proven track record of success in this
field to serve as a nationwide ambassador for patent attainment.
The diversity gap in patents is not just an inclusion issue. It is
also an exposure to generational wealth through patent commer-
cialization, an access issue. And if exposure to generational wealth
can be passed down through generations, then so can exposure to
generational trauma. Before we begin to think we can solve the di-
versity gap, we must first understand how it came to be. For dec-
ades, our country’s laws have placed minorities in positions where
they have had to choose their life over their IP, even at one point
being considered property themselves.
Economist Dr. Lisa Cook discusses the correlation of declining
minority patents during the Jim Crow and race riot era, having
lost over 1,000 patents. More than 100 years prior, in 1710, the
same holds true. The Meritorious Manumission Act of Virginia
gave slave owners the rights to grant their slaves freedom in ex-
change for their inventions. Hence, the systemic issues faced by mi-
norities in the patent commercialization systems for decades has
not only created the diversity gap but has continued to sustain it.
How can we expect to increase diversity in patenting and commer-
cialization if historically the system has not been built for minori-
ties to participate or succeed in general? Only collecting vanity
metrics such as demographics of the inventor is not going to close
the diversity gap. In fact, we should be asking how many of those
six patents per million people are actually small business owners
as ownership of a patent by a small business generates 16 new
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jobs. That is 16 more opportunities for minorities and returning
citizens.
The success of this great Nation is not only dependent on our
ability to invest in programs, pathways, and institutions which
make room for a greater number of inventors, but also on how we
tell the true story of the contributions of women and minorities in
almost every sector of the American economy. Why not fund more
certificate programs like the one I went through? If we are truly
focused on increasing the diversity of patents, we must invest in
education, access, and equity at the highest level in the most
marginalized communities which will ensure this great Nation re-
tains it’s economic vitality.
My name is Janeya Griffin, an HBCU graduate, IP advocate, and
a proud black woman. Thank you for your time.
Chairwoman VELÁZQUEZ. Thank you.
Mr. Wade?
STATEMENT OF RICK C. WADE
Mr. WADE. Good morning, Chairwoman and members. I am
Rick Wade, the U.S. Chamber of Commerce’s vice present for Stra-
tegic Alliances and Outreach. I am leading our efforts to create and
expand opportunities for diverse-owned businesses and enterprises
across America. I appreciate the opportunity to testify before you
this morning.
The Chamber commends the Committee for its leadership on
issues central to increasing access to our innovation economy, par-
ticularly among women, minorities, veterans, and other under-
served communities. Through my experience both in the public and
private sectors, I have come to understand and appreciate that di-
verse-owned enterprises are key contributors to and drivers of
America’s economy. The Minority Business Development Agency
(MBDA) of the U.S. Department of Commerce, estimates that there
are currently 11 million minority business enterprises nationwide
which employ over 6 million people and generate nearly $1.8 tril-
lion in revenue. Enhanced access to tools like the Patent System
will only strengthen these enterprises and ensure their competi-
tiveness in years to come. We especially appreciate the Committee’s
work on the Study of Underrepresented Classes Chasing Engineer-
ing and Science Success Act of 2018, also known as the SUCCESS
Act.
Too often, underserved communities and diverse business owners
lack the information and/or resources to take advantage of the
many forms of intellectual property protections available to them,
including our U.S. Patent System. As you well know, the SUC-
CESS Act directed the U.S. Patent and Trademark Office, in con-
sultation with the Small Business Administration, to identify pub-
licly available data on the number of patents applied for and ob-
tained from women, minorities, and veterans, and benefits of in-
creasing these numbers. The act also asked for legislative rec-
ommendations on how to encourage and increase engagement
among diverse innovators and entrepreneurs. We recognize the
leadership of USPTO director Andrei Iancu for the report and pro-
grams that his agency has implemented to encourage more diverse
participation in our innovation economy. The USPTO report re-
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vealed that there is a limited amount of public available data re-
garding the level of participation by women, minority, and vet-
erans. Only approximately 12 percent of investors named on U.S.
patents are women. Clearly, this represents a serious issue of con-
cern but also an opportunity as minority communities have higher
shares of women-owned enterprises. The USPTO has resources in
almost every state to help new entrants navigate the patent proc-
ess, including local partnerships with pro bono attorneys, law
school clinic programs, local libraries where inventors can get help
searching USPTO databases for previously filed patents and trade-
marks and other programs. The USPTO also recently updated its
homepage to include a link to these local resources. Now with just
one click, new inventors can access a map of the United States and
then click on their state and find in one place numerous resources
to assist them in their local areas.
This year, the USPTO will launch a Council for Innovation and
Inclusiveness to develop a national strategy for promoting and in-
creasing the participation of underrepresented groups and will ex-
pand its work with other Federal agencies to develop training ma-
terials to help elementary, middle, and high school teachers incor-
porate the concepts of invention and IP creation and protection into
classroom instruction.
The report also provides legislative recommendations. Congress
could authorize a streamlined mechanism for USPTO to undertake
a voluntary, confidential biennial survey of individuals named in
patent applications that have been filed. Congress could expand the
authorized uses of grants and funds in appropriate Federal pro-
grams to include activities that promote innovation and entrepre-
neurship among underrepresented groups.
Finally, please know that the U.S. Chamber of Commerce, the
largest business organization in the world, has stepped up its ef-
forts to expand opportunities for diverse-owned enterprises. Our
partnership with the Minority Partnership Development Agency in
which we are working together to address issues such as innova-
tion, automation, access to capital and connectivity to the global
marketplace. We are convening the heads of the Nation’s diverse
chambers and other business organizations to collectively advocate
for a common business agenda to include entrepreneurship. Our
NextGen partnership with Historically Black Colleges and Univer-
sities seeks to inspire and develop the next generation of
innovators, entrepreneurs, and business leaders. Through a grant
from the W.K. Kellogg Foundation, we are advancing a dialogue
across the business community on Kellogg’s major research port,
the Business Case for Racial Equity, assessing best practices and
policies that could help close the entrepreneurial divide. From
Thomas Jennings, the first black patent recipient in 1821 for a dry
cleaning process, to current day Dr. Lonnie Johnson, who is lit-
erally a rocket scientist, our goal must be to continue to inspire
and develop new generations of innovators and entrepreneurs.
We look forward to working with you and walking with you on
this very important journey.
Chairwoman VELÁZQUEZ. Thank you very much. Quite an im-
pressive group of witnesses. We really thank you for providing such
insightful information.
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I am going to start by recognizing myself for 5 minutes.
Dr. Ray, in the SUCCESS Act report we found that there was
no available data concerning the number of women and minority
inventors who have applied for or received patents from the
USPTO. We also know that we need to improve patent opportuni-
ties for all underserved entrepreneurs, including those in rural
communities. How does this lack of data impact Congress’s ability
to propose legislation that will improve opportunity for underrep-
resented groups?
Dr. RAY. Yeah, well, a lack of data might actually lead to a
misallocation of funds or misplacement of funds. And it might also
be about an intersection between say race, gender, and geography.
So, what you might find as we know is that there is an underrep-
resentation for women and minorities, but it might be that individ-
uals are living in particular areas. And if we do not capture these
variety of demographic questions, we will not be able to answer
these important questions.
Chairwoman VELÁZQUEZ. Do you think it is important that we
collect information to track regional patterns of innovation?
Dr. RAY. Yes, I do. I mean, geography becomes a key metric by
which to look at. In fact, in a lot of research studies, zip code is
oftentimes used as a proxy for income, wealth, and race. If we are
collecting that information, we want to make sure that we collect
an assortment of these demographic variables because a proxy can
be just as detrimental as not collecting information.
Chairwoman VELÁZQUEZ. Thank you.
Ms. Ippolito, you mentioned that more women are participating
in science and engineering occupations and entrepreneurship, but
yet, this has not translated into more female patent holders. I
heard when you said the high cost of patents might be a factor, but
do you believe that there are any other efforts needed to ensure
that a more robust pipeline of women in STEM leads to equality
in the innovation economy?
Ms. IPPOLITO. Absolutely. So we recommend that the USPTO
and SBA ignite new programs to create onramp programs taking
STEM women and other minorities, to introduce them to the pat-
ent and commercialization processes. And in these programs they
will get exposed to role models and mentors.
There was a recent study that was done by Dr. Delgado and Dr.
Murray that shows that patents from top inventors have higher
percentages of including first-time female inventors on their pat-
ents. What is interesting about this work is that these top inven-
tors are both male and female. But in particular, female top inven-
tors tend to include more women. So how do we include these top
inventors as part of these onramp programs as role models, as
mentors to help facilitate this process? And what is great about
these onramp programs, W.E. Cornell being one of them——
Chairwoman VELÁZQUEZ. At what level should that happen?
Ms. IPPOLITO. So they should be based in universities and in
communities. Universities are the places where STEM women and
minorities are being educated, so this is a great opportunity to ex-
pose them at that level so that they can continue innovating be-
yond the university setting.
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Chairwoman VELÁZQUEZ. Ms. Griffin, would you like to com-
ment?
Ms. GRIFFIN. Yes, I do agree with Ms. Ippolito’s sentiments.
Specifically, minority institutions and HBCUs graduate the most
minorities that we know today. So by working directly with them
I think that would be the best bet.
Chairwoman VELÁZQUEZ. What would you say is one of the
biggest reasons why many minority entrepreneurs fail to receive
patents?
Ms. GRIFFIN. So, I will give you three: Education. Lack of edu-
cation in terms of the patenting and commercialization process,
lack of resources, and then also the lack of access. If we are looking
in terms of representation on how many inventors we are looking
at through our history books, which is kind of what I talked about
before, we do not really see too many of them. And it is not some-
thing that is widely known. And so we need that representation.
There are so many people that I talked to that actually did not
know anything about the patent process until they reached grad-
uate school. So if you think about the many patents, especially Dr.
Croak. She has 200 patents. So any time before then, if she would
have been educated as a child in her early childhood years, 200
patents from her graduate school years until now, we have lost so
much economic opportunity from that position.
Also we need more culturally competent qualified counsel, and so
by working with them they would allow us to be able to educate
our minorities in marginalized communities.
Chairwoman VELÁZQUEZ. Thank you. My time has expired.
Now I recognize the Ranking Member, Mr. Chabot.
Mr. CHABOT. Thank you very much, Madam Chair.
Ms. Ippolito, in your view, what is the biggest barrier for women
who are trying to enter the patent process, and what can we do to
help?
Ms. IPPOLITO. So the two biggest barriers are exposure and
also the high cost of patenting. So we know that there is a growing
number of STEM women that are entering this field and they are
going on to the private sector. By the way, there is an over-
whelming number of patents coming from the private sector, par-
ticularly in patent-intensive fields like electrical engineering and
mechanical engineering. So the biggest barrier is getting exposure
to these STEM women who we know are getting this education but
we are not efficiently using that talent pool. And so if we can direct
resources, programs like the ones the panelists have talked about
to educate them and expose them, show them role models. You can-
not be what you cannot see. And so we need to bring this exposure
to K-12 programs and university settings. And then we need to ad-
dress the high cost of patenting itself with pro bono lawyers that
are qualified in those fields and we need to give them access to
these networks of lawyers to help them facilitate this process.
Mr. CHABOT. Okay. Thank you very much.
Let me go back to Dr. Wade, if I could. Or Mr. Wade; sorry.
In your written statement you had discussed the Chamber’s an-
nual International IP Index. Are there any trends that the Cham-
ber sees that could either be beneficial or nonbeneficial for the U.S.
in coming years?
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Mr. WADE. Well, the IP Index, you know, the Intellectual Prop-
erty Index which measures economies across some 50 countries, I
mean, what it does, it shows a correlation between intellectual
property protections, patents, job creation, and success and growth
of business. That has been a consistent trend and probably the
most important trend that I think should be the basis of even this
conversation. How do we increase entrepreneurs and innovators
across diverse communities so as to create more jobs and create the
positive forces of our economy?
Mr. CHABOT. Okay, thank you very much.
Dr. Ray, in your opinion, why do Americans give so much, you
know, the demographic data so easily to surveyors? Are there any
risks that come with that? And anything that you would suggest
along those lines? Because, obviously, you are legitimate. How
should people make sure that they are not being tricked into some-
thing?
Dr. RAY. Yeah, that is a great question. I think when people
know why they are giving their information they are much more
likely to give it. I think when it comes to the Federal Government,
when it becomes clear why that information is being provided. For
all of the slew of publications that I have had, I tell people. In fact,
it is required at universities to do research that we tell people why
we are collecting data on them and what we are going to use it for.
And typically, people will do that.
I think one of the other things that is extremely important is to
capture the most people at the most time. In this particular case,
at the application phase is when you are going to get them because,
I mean, if people do not get the patent, they are going to be less
likely to fill out a survey later. They are not as incentivized. But
if you get that demographic information from the beginning, then
people are much more likely to provide it. And I think it is common
place. I think in many regards if we are talking about gender, age,
even household income, geography, race, typically people can pin-
point what a person looks like. And even if people’s age is slightly
off by 10 years or so, people kind of have an idea of what those de-
mographics are and people are willing to provide them.
Mr. CHABOT. Thank you very much.
And Ms. Griffin, could you tell us something about, you talked
about the various patents that you have been involved in. Is there
any one in particular that you have that was particularly, you
think might be helpful or help other people out there who might
have a great idea and want to get a patent for themselves to either
support their family or their business down the line or whatever?
Ms. GRIFFIN. You are asking me if I have an actual patent?
Mr. CHABOT. Yes, I mean——
Ms. GRIFFIN. No, I did not.
Mr. CHABOT. Okay. You have not yourself. Okay. Was there
anything that you were engaged in or work with that you think are
particularly interesting or that give some information to folks that
might have a good idea out there?
Ms. GRIFFIN. Patents in particular?
Mr. CHABOT. Yes.
Ms. GRIFFIN. So there are, oh, wow, a lot of different tech-
nologies, specifically ones that are focused on actually solving the
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problems within their communities. Most times what I see when I
am working with people is that they are solving a problem that has
been specifically affected by them and most people that they know.
People solve problems that affect themselves. And so I think that
specifically when we are talking about women, issues that women
face, there are many times where there should be issues where
marginalized communities are really being focused on. So if we are
talking about artificial intelligence, if we are talking about dif-
ferent ways that we can use technologies to be incorporated into
businesses that may not actually have patents or may not have a
technical person there, they should be able to use Federal labs or
institutions that actually have repositories of patents in order to
become either tech enabled or tech based.
We are now currently in our fourth industrial revolution, and so
technology is at the core of that. And so if entrepreneurs and small
business owners are not putting technologies into their business,
owning their own patents, we are losing out on jobs lost. We are
losing out on being able to be a part of the economy that is now
being created today.
Mr. CHABOT. Thank you very much.
My time is expired, Madam Chair.
Chairwoman VELÁZQUEZ. The gentleman’s time has expired.
The gentlelady from Kansas, Ms. Davids, is recognized for 5 min-
utes.
Ms. DAVIDS. Thank you, Chairwoman. To the Chairwoman and
Ranking Member, thank you for holding this hearing today.
I say this all the time, small business is the backbone of our
country, and I think what we are talking about now is seeing small
business being impacted by innovation and being able to own the
intellectual property when you are the creator.
This past October, the House passed the Women’s Business Cen-
ter Improvement Act and Rep. Hagedorn and I put that bill for-
ward because women’s business centers we think can have a really
strong impact on entrepreneurship and supporting women entre-
preneurs.
I have at least one more question so hopefully we will get
through this quickly.
Ms. Ippolito, I wanted to see if you could talk a little bit, because
you mentioned WBCs in your testimony. If you could talk a little
bit about how programs like yours or other programs can help ei-
ther feed into women’s business centers or maybe how women’s
business centers can improve to maybe partner with the types of
programs that you have.
Ms. IPPOLITO. Absolutely. So at Cornell, we created Women En-
trepreneurs of Cornell, or W.E. Cornell to act as a feeder into our
existing entrepreneurship initiatives. And the reason we did that
is because we did not want to cannibalize the number of women in
our entrepreneurship programs. We wanted to increase the number
of women and minorities in our programs.
So programs like W.E. Cornell that we see at other universities
as well, but we hope programs like W.E. Cornell can scale across
the country and university-based settings, in particular in areas
outside of our technology bubbles that we often see on the coast.
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But programs like W.E. Cornell can partner with the women
business centers to increase exposure of STEM women to these
services. If you build it you cannot just assume they will come.
Women need to be invited, encouraged, inspired, frankly, to be part
of this movement so that we can have a better economy. So pro-
grams like W.E. Cornell can partner with women business centers
and we can have directed outreach to STEM women and minorities
in these programs.
Ms. DAVIDS. So that actually, so Ms. Griffin, in your written
and verbal testimony you mentioned the program, the Integrated
Technology Transfer Network Program that you participated in
and that you did not really see this type of opportunity until much
later. And I am curious how we can talk about getting folks more
knowledgeable, interested, excited about these kinds of, about
STEM, about patents, earlier on. And not just when folks get to
that college level.
And then secondarily, if you would not mind talking a little bit
about—I do not know if you are familiar with the women’s business
centers or some of the other SBA programs, but how those might
partner with like HBCUs. I would be curious to hear that as well.
Ms. GRIFFIN. Yes. Thank you.
We have to meet them where they are. And most times when we
are talking about marginalized communities, they know nothing
about what is going on outside of where they live. Right? And so
if we are to educate them on who they could be, we have to show
them people that look like them that are actually doing it, which
is why I talked about Dr. Croak. I keep bringing her up again be-
cause we need to actually see people that look like us to actually
put it in place where we actually believe that it can happen be-
cause it is a tangible thing.
The Integrated Technology Transfer Network Program was a
really great program and it opened up my eyes to a lot of different
things. I did not know anything about Technology Transfer offices.
I did not know that many HBCUs do not necessarily have them or
know what to do about technology transfer. After I graduated I
went back to my HBCU and I said, hey, where is our tech transfer
office? I am thinking that this is something that is common be-
cause we were at Cal State University San Bernardino and they
did not know what I was talking about. And so for me, I think the
education around technology commercialization and technology
transfer, because you are looking at it from a standpoint of having
either corporations or institutions that are actually licensing these
technologies that are resulting from Federal funds versus small
business owners who are actually spending their hard-earned
money and investments into patenting, prosecution, fees, and
things of that nature.
So I think those are two very different things. And when we
want to talk about licensing for small business owners, they are ac-
tually being able to exploit and reap most of those benefits by get-
ting residual income from that.
Chairwoman VELÁZQUEZ. Time has expired.
Ms. DAVIDS. Thank you.
Chairwoman VELÁZQUEZ. Now, we recognize the gentleman
from Tennessee, Mr. Burchett.
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Mr. BURCHETT. Thank you, Chairlady, Ranking Member.
Thank you all for putting this meeting together as was stated ear-
lier.
I have always been an inventor at heart. I still make bamboo
skateboards, actually. Bamboo and hemp, actually. Completely bio-
degradable. Everybody thinks I am going to break my neck on
them but I still ride them, much to the chagrin of my neighbors
and my wife. But anyway. And I appreciate you all being here.
Ma’am, I appreciate you bringing your daughter her. I had a very
cool momma and she actually flew an airplane during the Second
World War. She was quite a lady, and I miss her daily. And while
Daddy was off fighting the Japanese in the Pacific, my momma did
her part for the war effort and so I was blessed.
And ma’am, when you mentioned historically black colleges, my
momma taught for 10 years at Knoxville College and was in their
hall of fame, actually. So that is cool.
And you, men, I have nothing for you all today. I dig you all
being here but I especially appreciate the ladies. And I thank you
again for bringing your daughter here with you. I have a wonderful
little girl who I got when she was five. And started dating her
momma then and I adopted her since then. Never made more
money, never been broker, never been happier in my entire life. So
thank you all.
This really does not have anything to do with what you all have
said but a fellow was in my office this week that I met earlier
oddly enough and we had talked about inventions. And he invented
something that was really cool and it got stolen from him. Went to
court, got it back. But I am wondering if any of you all have ever
heard of anybody that has an approved patent but they have not
been able to maintain it because a larger company stole their idea.
I hear a lot of that from China. Thank you, ma’am. But I was won-
dering if any of you all could name any specifics real fast.
Sir, we will start with you on the end and just come this way.
Mr. WADE. I apologize. I cannot cite any specific examples. I
would be happy to follow up.
Mr. BURCHETT. Okay. I would like that.
Ma’am?
Ms. GRIFFIN. So I will not get into specifics because I do not
know what is public information, but I have spoken with a few peo-
ple who have those same sentiments that they do feel like corpora-
tions are, you know, once they have presented that information to
them they basically say that they are not interested and then they
see something, whether it is in the marketing that they shared or
something that is not in their claims, right, so they begin to use
the funds that they do have access to develop around the claims
that are in those patents. And then when you are looking at an
independent patent inventor, they do not necessarily have those
funds to actually fight in litigation and to go up against big cor-
porations. And so there is nothing that they can do, I mean, outside
of just coming to legislation, talking to the congressmen and con-
gresswomen.
Mr. BURCHETT. Right.
Ms. GRIFFIN. But, yes.
Mr. BURCHETT. Thank you.
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Sir?
Dr. RAY. Yeah, I will quickly say, I mean, Lonnie Johnson, who
we mentioned before, who pretty much every kid has played with
a Nerf Gun or a Super Soaker. I mean, he actually had to litigate
and go to court. And, the patents actually helped to preserve that
for him. I think that is what is key is that it is a long, torrid his-
tory of particularly individuals who are under resourced, women
and minorities, having their inventions stolen from them. I mean,
historically, Jack Daniels is one of those examples with Uncle
Nearest. And they tried to amend from that.
I am from Murfreesboro, Tennessee, by the way.
Mr. BURCHETT. Thank you. I appreciate the fact that you and
I are the only people in this daggum room that do not have an ac-
cent. So thank you.
Dr. RAY. I could go along with that.
Mr. BURCHETT. Thank you.
Dr. RAY. But I mean, I think that there are several individuals,
and I think to this point, that impacts the application process. And
that is why it is important to collect data on the front end because
you have a lot of individuals who simply will opt out of that process
because of the money and because they are worried about getting
scooped from larger companies.
Mr. BURCHETT. Thank you.
Ma’am?
Ms. IPPOLITO. So I do not have any specifics from personal ex-
perience, but in speaking with folks that have gone through the
patent process and that are repeat offenders, and I use that in a
positive way of those that are applying for more than one patent,
they hear these stories. And to Dr. Ray’s point, if they learn and
hear of their colleagues and peers that have to go to court and liti-
gate which sometimes it can cost up to a couple hundred thousand
dollars if not more, then this deters them from submitting more
patents. So I think we need to fix this. I believe there is a group
of inventors that have the Inventors Right Act and there is a lot
of talk in this arena from inventors who I have spoken with.
Mr. BURCHETT. I feel like we are the daggum Congress. We
ought to do better by working folks that come up with these inno-
vative ideas because I hear about them getting stolen. I know this
lady back here, I appreciate that. I have heard it many times. So
thank you all.
One quick question. I have got 17 seconds.
Ms. Griffin, where would you suggest folks go to obtain funding
for their patents? Banks?
Ms. GRIFFIN. Independent inventors, I think we are here. They
should come here. Well, no, so if we are looking at funding that has
already been allocated to help small business owners, why are we
not looking at allocating more funding to actually help them within
the patent ownership process? Data shows that small business
owners who actually own their patents generate 16 jobs. Their
sales go up 51 percent over 5 years. And so if we are wanting to
help small business owners, then we need to help them in the own-
ership of their patents and be able to help them exploit those as
well.
Mr. BURCHETT. Thank you, ma’am.
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Thank you, Chairlady. I appreciate your indulgence.
Chairwoman VELÁZQUEZ. Thank you.
Mr. BURCHETT. Thank you, ma’am.
Chairwoman VELÁZQUEZ. Now we recognize the gentlelady
from California, Ms. Chu, Chairwoman of the Subcommittee on In-
vestigation, Oversight, and Regulations.
Ms. CHU. Thank you.
I was certainly alarmed to see that women, especially African
Americans and Hispanics, obtain patents at lower rates than men;
that people of color obtain patents at much lower rates than
whites; that individuals from lower income backgrounds are much
less likely to obtain a patent than children of wealthier families.
And yet I know as Co-Chair of the Congressional Creative Rights
Caucus how important intellectual property and IP protections im-
pact our economy. These protections are especially important for
my district in southern California which is home to countless of
these small business owners and innovators who hold IP in a wide
variety of fields from technology to art, music and movies. And so
I really feel strongly that as members of Congress we have a re-
sponsibility to foster their innovation and ensure that the U.S. is
an environment where ingenuity and inventiveness can thrive and
prosper.
We need to make sure that we have robust and thorough demo-
graphic data to understand how we can ensure the patent system
is working for traditionally underserved communities like minori-
ties, women, and veterans, and it means that we need more data
and better cooperation between Federal agencies, including the
U.S. Patent and Trademark Office.
Ms. Griffin, you have such a powerful story about how patents
changed your life. You testified to how patents can unlock
generational wealth. Can you expand on that statement and ex-
plain why patents are a powerful tool in reducing economic in-
equality and why it is so important that historically disadvantaged
Americans can fully benefit from patent protections for their intel-
lectual property?
Ms. GRIFFIN. Absolutely. So when we talk about patents, we
talk about generational wealth, right, and how intellectual property
is equitable to ownership which is also equitable to generational
wealth. And so if we are to own patents, then what does that do
for our economy, for our marginalized communities, for our histori-
cally black college universities if they are to actually start playing
in the tech transfer spaces. And having return on investments from
R&D funding by producing patents and then being able to exploit
those by licensing those patents, creating spinoff companies specifi-
cally around those communities, utilizing the entrepreneurs within
those universities who are also minorities, to utilize those tech-
nologies, to improve on those technologies, it becomes this eco-
system in the cycle of event where you are now creating
generational wealth across generations. Specifically, when we start
talking about Federal Government, how can we actually be using
HBCUs as a conduit to do this? And so even with SBIR funding,
STTR funding, looking at nontraditional principal investigators
who are in our marginalized communities, they may be small busi-
ness owners who do not have a technical background, but what we
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see is in the startup space you can actually be a nontechnical CEO
and then find a CTO to actually help you push your company for-
ward. And so if we are to do that, then we could take small busi-
ness owners with nontechnical backgrounds, pair them with prin-
cipal investigators at historically black colleges and universities or
minority-serving institutions and then create generational wealth
through that way.
Ms. CHU. Thank you for that.
Ms. Ippolito, my district in southern California is home to 744
independent small business inventors and they have told me per-
sonal stories about the prohibitive costs associated not only with
applying for a patent but also defending their intellectual property
rights from sometimes frivolous legal challenges. In fact, they said
that large companies are able to exploit the USPTO system to over-
whelm independent inventors and small businesses with litigation
and legal fees by endlessly challenging the validity of their patent.
But I was struck about your case study of a female entrepreneur
expecting to pay between $4,000 to $8,000 in filing and fees, and
also, of course, she has childcare costs that limit her financial re-
sources. So how can the expectation of high filing legal fees dis-
suade some innovators from engaging in the patent process and
how could this disproportionately affect minority and female entre-
preneurs?
Ms. IPPOLITO. Yeah, thank you for that question.
So the example that you mentioned is Dr. Sarah Reyes. She re-
cently obtained her doctoral degree at Cornell and she has a
countertop breast milk pasteurizer that she is currently going
through the filing process right now. She is about to be a post-doc
where you do not make a lot of money, and thankfully, she is in
programs like entrepreneurship lab or eLab at Cornell and W.E.
Cornell that provide her with a small stipend of money, $5,000 to
help cover those costs.
But if you do not provide those funds to cover those legal fees
and the patent fees itself, then folks like Dr. Reyes will be limited
even pursuing those patents. So providing these small stipends as
part of onramp programs like W.E. Cornell can help increase the
number of women and minorities that are applying for patents. Or
else it is just cost prohibitive and we are not going to see this in-
crease.
Ms. CHU. Thank you.
I yield back.
Chairwoman VELÁZQUEZ. Time has expired.
Mr. Evans from Pennsylvania, Vice Chairman of the Committee
is recognized for 5 minutes.
Mr. EVANS. Thank you, Madam Chair. And as usual, I thank
you, Madam Chair, and the Ranking Member for your leadership
on these issues. This is really very important.
Women and minorities are less likely to receive venture capital.
In 2018, women entrepreneurs in tech brought in just 22 percent
in U.S. venture capital investment. Just 1 percent of venture
backed founders were African Americans and 1.8 were Hispanic.
Further, nearly three-fourths of venture capital firms have no fe-
male investors. Minorities represent just 3 to 4 percent of venture
capital.
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Now, this is a question to all of you so you will have your chance
since I only have 4 minutes and 16 seconds. To any of the wit-
nesses, can you explain the disparity in venture capital expendi-
tures and make suggestions on how we can increase the chances
of women and minority in tech of receiving venture capital?
So I will go down the line and start with Mr. Wade.
Mr. WADE. Thanks. That is a very important issue, capital. And
one of the things we must understand is that investors are at-
tracted to patents.
Mr. EVANS. Yes.
Mr. WADE. And that is a very important variable in this con-
versation of access to capital. I also believe that mentor-protege
programs, how do we build the kinds of relationships between ven-
ture capitalists and other funders with innovators and entre-
preneurs from minority communities are very important. That is
one of the initiatives actually that we are developing through the
U.S. Chamber.
Mr. EVANS. Ms. Griffin?
Ms. GRIFFIN. So I would also like to comment on what he said.
I have the same sentiments. But as I was doing my research it
says the first patent granted increases the probability of securing
VC funding by 53 percent. So it is very, very important that we get
small business owners, specifically black women, to start actually
monetizing their IP and actually patenting that intellectual prop-
erty. We are the most educated, the most entrepreneurial, and with
that we need to also have the most patents as well. So, yes.
Dr. RAY. I will just quickly say that the collection of data be-
comes important by understanding what happened before the ap-
plication, during the application, and after the application. So,
what the SUCCESS Act is aiming to do is commendable in a sense
that essentially is doing the longitudinal survey to ask people over
time. That becomes extremely, extremely key to figure out: where
are the gaps in the pipeline? Where are the leaks in the pipeline?
Right now, we simply only have data kind of on who is applying
and who is not and whether or not they are awarded that. But the
pipeline extends well beyond that and a collection of data will help
better address these questions so that resources can then be allo-
cated specifically to deal with social networks, to deal with a lack
of capital. I mean, we already know from minority and women-
owned businesses they are simply less likely to get loans from
banks and a lot of that is systemic. These are things that can be
prevented. This prevents them from bringing their work to scale
and that becomes extremely important for individuals who are low
income in urban and rural areas because research shows that they
are more likely to return to where they are from. This means they
are helping to generate jobs in rural areas, urban areas, and low-
income areas that previously did not have any.
Ms. IPPOLITO. I want to agree with everything that has been
said so far. So we know that venture capitalists are overwhelm-
ingly white males, and if you talk to any venture capitalist they
say how they get to know entrepreneurs is through introductions.
So if you are not embedded in these networks then you cannot get
an introduction to venture capitalists and then you cannot raise
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funding. And we know that getting a patent helps get venture
funding. So that is one point.
Secondly, a lot of the process of pitching and getting investment
from venture capitalists frankly has been optimized for men. An
example of this is a study by Dr. Murray where she looked at both
male and female entrepreneurs and she recorded their voice with
the exact same content. And it was found that men were seen as
a more attractive investment. They even added video and, of
course, they saw the same thing. But as you can see that it has
been optimized for men to receive this funding overall.
Mr. EVANS. I thank you.
Madam Chair, I hope with the question that I just asked, yes,
protecting patents are important and what we need to do, but at
the end of the day, if you are going to move these patents to be
commercialized to the marketplace and try to address the problems
in communities, the basis is they need capital. They need access.
So you, I know, have been conducting sessions with tech-fins and
other entities but that really needs to be a discussion as a follow-
up. So I only suggest that in your thinking about that.
Thank you. I yield back.
Chairwoman VELÁZQUEZ. The gentleman yields back.
Now we recognize the gentleman from Maine, Mr. Golden, Chair-
man of the Subcommittee on Subcontracting and Infrastructure for
5 minutes.
Mr. GOLDEN. Thank you, Madam Chair.
I am going to ask a question that I do not know the answer to
already so it is, you know, hopefully, one out of curiosity but it is
specific to some of my constituents in Maine.
Maine is I think per capital one of the least diverse, whitest
states that we have in the country, very large, very rural. But in
the last couple of decades we have had a sizeable group of Somali
Americans move in to the community as well as a fair number of
asylum seekers. And I found that because of language barriers, for
the first generation, anyway, what we often see is a lot of people
that become small business owners. They bring a lot of skills with
them. The language barrier kind of stands in the way though. And
as a result, it is hard for them to get into whatever industries we
have in that area. And so they are very creative in how they find
a way to make things work and make a living, become entre-
preneurs themselves. But something we often see, particularly
with, or technical issues or having to deal with the bureaucracy of
agencies like SBA is that language barrier can be very frustrating
and/or prevent them from accessing the kind of assistance that
they need to really maximize their skills and become successful.
So I was just curious, particularly with patent at USPTO, is
there good resources there to help people overcome language bar-
riers or is that lacking? And if it is lacking, any recommendations
on where people can go to get help with that kind of a challenge?
Ms. IPPOLITO. Not to my knowledge. I do not know of any re-
sources off the top of my head.
Mr. WADE. I do not as well but I would like to just make one
observation of the advantage of that language also. What we do
know is that minority firms, owned enterprises are more likely to
export, to do business in countries abroad. And so how we also view
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language barriers could also be a language opportunity in not just
the patent process but as we seek to grow more entrepreneurs, par-
ticularly who are exporting their products abroad.
Dr. RAY. I just want to make one quick point that speaks to this.
When I did my analysis of patents over time with the data that we
have available, one big thing we know is that U.S. patent recipi-
ents has decreased over time and foreign recipients have increased.
And a large percentage is coming from Asia, particularly Japan.
But one of the things that I was thinking about in relation to de-
mographic information as a university professor, we have a lot of
individuals, a lot of international students who come to the U.S.
But they might actually return or a lot of them might actually
want to stay and they are being innovative while they are here.
However, we are not collecting information to know whether or not
they are even educated in the United States to begin with. So,
when we look at the demographic information currently, we see
that they are listed under a foreign inventor when, in fact, they
might have invented that at a U.S. university and then they might
actually need ways to think about scaling it to help the U.S. econ-
omy grow. I think that is something that is missing. It speak to
language in a sense that a lot of international students come over.
There is a language barrier. They are learning English in a lot of
ways. But they are being innovative. And we need to actually cap-
ture information on them to figure out how they are contributing
to the U.S. economy as well.
Mr. GOLDEN. I appreciate that. And I agree wholeheartedly. It
is a huge potential asset in our community where we can increase
economic relations that we would not have had without our Somali
Americans.
I am not surprised that maybe you do not have an answer or
that you do not think that there are any resources like that out
there but something to point out, Madam Chair, I mean, I have
had meetings with SBA where it was a point of frustration for peo-
ple that there is no one to help translate, no one that can help deal
with some of the language barrier. And I am, of course, thinking
more specifically about that first generation of immigrants who
often have a lot of great ideas and are running businesses. And
when they come to the Federal Government for help it is tough if
there is no resources out there to help with translation.
Chairwoman VELÁZQUEZ. With that, let me thank all the wit-
nesses. I would like to make a closing statement.
The U.S. patent system provides inventors and small businesses
the ability to monetize life-changing ideas and incentivizes ad-
vancement in technology. Because of its vital role in protecting val-
uable intellectual property, a strong and inclusive patent system is
necessary to advance America’s economic growth and global com-
petitiveness.
However, we have far to go in this journey. Women, minorities,
and low-income communities in urban and rural America are still
underrepresented in the patent, trademark, and innovation eco-
system. Gathering information about patent applicant demo-
graphics will drive better policy that ultimately helps more women,
people of color, moderate and low-income communities, and other
traditionally disadvantaged groups obtain patents for their innova-
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tions. Closing the patent gap will also drive economic growth and
advance America’s global lead in innovation.
I look forward to working with my colleagues in Congress to ad-
vance policies that foster an inclusive innovation ecosystem.
I will ask unanimous consent that members have 5 legislative
days to submit statements and supporting materials for the record.
Without objection, so ordered.
If there is no further business to come before the Committee, we
are adjourned. Thank you.
[Whereupon, at 12:45 p.m., the Committee was adjourned.]
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APPENDIX
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SBD026 with DISTILLER Insert offset folio 69 here 38875.045
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00075 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
70
SBD026 with DISTILLER Insert offset folio 70 here 38875.046
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00076 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
71
SBD026 with DISTILLER Insert offset folio 71 here 38875.047
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00077 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
72
SBD026 with DISTILLER Insert offset folio 72 here 38875.048
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00078 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
73
SBD026 with DISTILLER Insert offset folio 73 here 38875.049
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00079 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
74
SBD026 with DISTILLER Insert offset folio 74 here 38875.050
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00080 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
75
SBD026 with DISTILLER Insert offset folio 75 here 38875.051
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00081 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
76
SBD026 with DISTILLER Insert offset folio 76 here 38875.052
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00082 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
77
SBD026 with DISTILLER Insert offset folio 77 here 38875.053
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00083 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
78
SBD026 with DISTILLER Insert offset folio 78 here 38875.054
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00084 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
79
SBD026 with DISTILLER Insert offset folio 79 here 38875.055
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00085 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
80
SBD026 with DISTILLER Insert offset folio 80 here 38875.056
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00086 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
81
SBD026 with DISTILLER Insert offset folio 81 here 38875.057
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00087 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
82
SBD026 with DISTILLER Insert offset folio 82 here 38875.058
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00088 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
83
SBD026 with DISTILLER Insert offset folio 83 here 38875.059
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00089 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
84
SBD026 with DISTILLER Insert offset folio 84 here 38875.060
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00090 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
85
SBD026 with DISTILLER Insert offset folio 85 here 38875.061
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00091 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
86
SBD026 with DISTILLER Insert offset folio 86 here 38875.062
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00092 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
87
SBD026 with DISTILLER Insert offset folio 87 here 38875.063
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00093 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
88
SBD026 with DISTILLER Insert offset folio 88 here 38875.064
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00094 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
89
SBD026 with DISTILLER Insert offset folio 89 here 38875.065
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00095 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
90
SBD026 with DISTILLER Insert offset folio 90 here 38875.066
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00096 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
91
SBD026 with DISTILLER Insert offset folio 91 here 38875.067
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00097 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
92
SBD026 with DISTILLER Insert offset folio 92 here 38875.068
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00098 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
93
SBD026 with DISTILLER Insert offset folio 93 here 38875.069
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00099 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
94
SBD026 with DISTILLER Insert offset folio 94 here 38875.070
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00100 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
95
SBD026 with DISTILLER Insert offset folio 95 here 38875.071
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00101 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
96
SBD026 with DISTILLER Insert offset folio 96 here 38875.072
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00102 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
97
SBD026 with DISTILLER Insert offset folio 97 here 38875.073
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00103 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
98
SBD026 with DISTILLER Insert offset folio 98 here 38875.074
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00104 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
99
SBD026 with DISTILLER Insert offset folio 99 here 38875.075
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00105 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
100
Insert offset folio 100 here 38875.076
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00106 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
101
Insert offset folio 101 here 38875.077
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00107 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
102
Insert offset folio 102 here 38875.078
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00108 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
103
Insert offset folio 103 here 38875.079
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00109 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
104
Insert offset folio 104 here 38875.080
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00110 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
105
Insert offset folio 105 here 38875.081
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00111 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
106
Insert offset folio 106 here 38875.082
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00112 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
107
Insert offset folio 107 here 38875.083
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00113 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
108
Insert offset folio 108 here 38875.084
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00114 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
109
Insert offset folio 109 here 38875.085
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00115 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
110
Insert offset folio 110 here 38875.086
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00116 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
111
Insert offset folio 111 here 38875.087
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00117 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
112
Insert offset folio 112 here 38875.088
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00118 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
113
Insert offset folio 113 here 38875.089
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00119 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
114
Insert offset folio 114 here 38875.090
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00120 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
115
Insert offset folio 115 here 38875.091
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00121 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
116
Insert offset folio 116 here 38875.092
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00122 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
117
Insert offset folio 117 here 38875.093
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00123 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
118
Insert offset folio 118 here 38875.094
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00124 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
119
Insert offset folio 119 here 38875.095
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00125 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
120
Insert offset folio 120 here 38875.096
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00126 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
121
Insert offset folio 121 here 38875.097
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00127 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
122
Insert offset folio 122 here 38875.098
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00128 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
123
Insert offset folio 123 here 38875.099
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00129 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
124
Insert offset folio 124 here 38875.100
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00130 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
125
Insert offset folio 125 here 38875.101
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00131 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
126
Insert offset folio 126 here 38875.102
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00132 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
127
Insert offset folio 127 here 38875.103
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00133 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
128
Insert offset folio 128 here 38875.104
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00134 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
129
Insert offset folio 129 here 38875.105
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00135 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
130
Insert offset folio 130 here 38875.106
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00136 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
131
Insert offset folio 131 here 38875.107
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00137 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
132
Insert offset folio 132 here 38875.108
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00138 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
133
Insert offset folio 133 here 38875.109
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00139 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
134
Insert offset folio 134 here 38875.110
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00140 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
135
Insert offset folio 135 here 38875.111
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00141 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
136
Insert offset folio 136 here 38875.112
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00142 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
137
Insert offset folio 137 here 38875.113
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00143 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
138
Insert offset folio 138 here 38875.114
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00144 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
139
Insert offset folio 139 here 38875.115
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00145 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
140
Insert offset folio 140 here 38875.116
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00146 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
141
Insert offset folio 141 here 38875.117
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00147 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
142
Insert offset folio 142 here 38875.118
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00148 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
143
Insert offset folio 143 here 38875.119
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00149 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
144
Insert offset folio 144 here 38875.120
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00150 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
145
Insert offset folio 145 here 38875.121
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00151 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
146
Insert offset folio 146 here 38875.122
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00152 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
147
Insert offset folio 147 here 38875.123
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00153 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
148
Insert offset folio 148 here 38875.124
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00154 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
149
Insert offset folio 149 here 38875.125
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00155 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
150
Insert offset folio 150 here 38875.126
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00156 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
151
Insert offset folio 151 here 38875.127
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00157 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
152
Insert offset folio 152 here 38875.128
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00158 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
153
Insert offset folio 153 here 38875.129
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00159 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
154
Insert offset folio 154 here 38875.130
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00160 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
155
Insert offset folio 155 here 38875.131
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00161 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
156
Insert offset folio 156 here 38875.132
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00162 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
157
Insert offset folio 157 here 38875.133
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00163 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
158
Insert offset folio 158 here 38875.134
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00164 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
159
Insert offset folio 159 here 38875.135
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00165 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
160
Insert offset folio 160 here 38875.136
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00166 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
161
Insert offset folio 161 here 38875.137
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00167 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
162
Insert offset folio 162 here 38875.138
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00168 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
163
Insert offset folio 163 here 38875.139
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00169 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
164
Insert offset folio 164 here 38875.140
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00170 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
165
Insert offset folio 165 here 38875.141
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00171 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
166
Insert offset folio 166 here 38875.142
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00172 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
167
Insert offset folio 167 here 38875.143
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00173 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
168
Insert offset folio 168 here 38875.144
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00174 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
169
Insert offset folio 169 here 38875.145
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00175 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
170
Insert offset folio 170 here 38875.146
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00176 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
171
Insert offset folio 171 here 38875.147
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00177 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
172
Insert offset folio 172 here 38875.148
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00178 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
173
Insert offset folio 173 here 38875.149
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00179 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
174
Insert offset folio 174 here 38875.150
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00180 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
175
Insert offset folio 175 here 38875.151
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00181 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
176
Insert offset folio 176 here 38875.152
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00182 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
177
Insert offset folio 177 here 38875.153
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00183 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
178
Insert offset folio 178 here 38875.154
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00184 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
179
Insert offset folio 179 here 38875.155
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00185 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
180
Insert offset folio 180 here 38875.156
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00186 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
181
Insert offset folio 181 here 38875.157
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00187 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
182
Insert offset folio 182 here 38875.158
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00188 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
183
Insert offset folio 183 here 38875.159
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00189 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
184
Insert offset folio 184 here 38875.160
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00190 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
185
Insert offset folio 185 here 38875.161
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00191 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
186
Insert offset folio 186 here 38875.162
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00192 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
187
Insert offset folio 187 here 38875.163
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00193 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
188
Insert offset folio 188 here 38875.164
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00194 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
189
Insert offset folio 189 here 38875.165
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00195 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
190
Insert offset folio 190 here 38875.166
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00196 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
191
Insert offset folio 191 here 38875.167
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00197 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
192
Insert offset folio 192 here 38875.168
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00198 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
193
Insert offset folio 193 here 38875.169
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00199 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
194
Insert offset folio 194 here 38875.170
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00200 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
195
Insert offset folio 195 here 38875.171
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00201 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
196
Insert offset folio 196 here 38875.172
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00202 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
197
Insert offset folio 197 here 38875.173
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00203 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
198
Insert offset folio 198 here 38875.174
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00204 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
199
Insert offset folio 199 here 38875.175
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00205 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
200
Insert offset folio 200 here 38875.176
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00206 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
201
Insert offset folio 201 here 38875.177
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00207 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
202
Insert offset folio 202 here 38875.178
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00208 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
203
Insert offset folio 203 here 38875.179
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00209 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
204
Insert offset folio 204 here 38875.180
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00210 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
205
Insert offset folio 205 here 38875.181
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00211 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
206
Insert offset folio 206 here 38875.182
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00212 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
207
Insert offset folio 207 here 38875.183
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00213 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
208
Insert offset folio 208 here 38875.184
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00214 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
209
Insert offset folio 209 here 38875.185
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00215 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
210
Insert offset folio 210 here 38875.186
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00216 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
211
Insert offset folio 211 here 38875.187
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00217 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
212
Insert offset folio 212 here 38875.188
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00218 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
213
Insert offset folio 213 here 38875.189
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00219 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
214
Insert offset folio 214 here 38875.190
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00220 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
215
Insert offset folio 215 here 38875.191
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00221 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
216
Insert offset folio 216 here 38875.192
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00222 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
217
Insert offset folio 217 here 38875.193
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00223 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
218
Insert offset folio 218 here 38875.194
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00224 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
219
Insert offset folio 219 here 38875.195
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00225 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
220
Insert offset folio 220 here 38875.196
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00226 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
221
Insert offset folio 221 here 38875.197
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00227 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
222
Insert offset folio 222 here 38875.198
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00228 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
223
Insert offset folio 223 here 38875.199
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00229 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
224
Insert offset folio 224 here 38875.200
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00230 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
225
Insert offset folio 225 here 38875.201
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00231 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
226
Insert offset folio 226 here 38875.202
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00232 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
227
Insert offset folio 227 here 38875.203
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00233 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
228
Insert offset folio 228 here 38875.204
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00234 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
229
Insert offset folio 229 here 38875.205
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00235 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
230
Insert offset folio 230 here 38875.206
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00236 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
231
Insert offset folio 231 here 38875.207
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00237 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
232
Insert offset folio 232 here 38875.208
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00238 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
233
Insert offset folio 233 here 38875.209
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00239 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
234
Insert offset folio 234 here 38875.210
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00240 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
235
Insert offset folio 235 here 38875.211
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00241 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
236
Insert offset folio 236 here 38875.212
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00242 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
237
Insert offset folio 237 here 38875.213
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00243 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
238
Insert offset folio 238 here 38875.214
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00244 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
239
Insert offset folio 239 here 38875.215
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00245 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
240
Insert offset folio 240 here 38875.216
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00246 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
241
Insert offset folio 241 here 38875.217
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00247 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
242
Insert offset folio 242 here 38875.218
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00248 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
243
Insert offset folio 243 here 38875.219
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00249 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
244
Insert offset folio 244 here 38875.220
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00250 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
245
Insert offset folio 245 here 38875.221
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00251 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
246
Insert offset folio 246 here 38875.222
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00252 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
247
Insert offset folio 247 here 38875.223
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00253 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
248
Insert offset folio 248 here 38875.224
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00254 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
249
Insert offset folio 249 here 38875.225
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00255 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
250
Insert offset folio 250 here 38875.226
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00256 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
251
Insert offset folio 251 here 38875.227
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00257 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
252
Insert offset folio 252 here 38875.228
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00258 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
253
Insert offset folio 253 here 38875.229
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00259 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
254
Insert offset folio 254 here 38875.230
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00260 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
255
Insert offset folio 255 here 38875.231
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00261 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
256
Insert offset folio 256 here 38875.232
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00262 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
257
Insert offset folio 257 here 38875.233
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00263 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
258
Insert offset folio 258 here 38875.234
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00264 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
259
Insert offset folio 259 here 38875.235
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00265 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
260
Insert offset folio 260 here 38875.236
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00266 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
261
Insert offset folio 261 here 38875.237
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00267 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
262
Insert offset folio 262 here 38875.238
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00268 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
263
Insert offset folio 263 here 38875.239
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00269 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
264
Insert offset folio 264 here 38875.240
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00270 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
265
Insert offset folio 265 here 38875.241
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00271 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
266
Insert offset folio 266 here 38875.242
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00272 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
267
Insert offset folio 267 here 38875.243
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00273 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
268
Insert offset folio 268 here 38875.244
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00274 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
269
Insert offset folio 269 here 38875.245
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00275 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
270
Insert offset folio 270 here 38875.246
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00276 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
271
Insert offset folio 271 here 38875.247
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00277 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
272
Insert offset folio 272 here 38875.248
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00278 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
273
Insert offset folio 273 here 38875.249
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00279 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
274
Insert offset folio 274 here 38875.250
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00280 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
275
Insert offset folio 275 here 38875.251
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00281 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
276
Insert offset folio 276 here 38875.252
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00282 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
277
Insert offset folio 277 here 38875.253
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00283 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
278
Insert offset folio 278 here 38875.254
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00284 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
279
Insert offset folio 279 here 38875.255
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00285 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
280
Insert offset folio 280 here 38875.256
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00286 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
281
Insert offset folio 281 here 38875.257
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00287 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
282
Insert offset folio 282 here 38875.258
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00288 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
283
Insert offset folio 283 here 38875.259
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00289 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
284
Insert offset folio 284 here 38875.260
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00290 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
285
Insert offset folio 285 here 38875.261
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00291 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
286
Insert offset folio 286 here 38875.262
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00292 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
287
Insert offset folio 287 here 38875.263
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00293 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
288
Insert offset folio 288 here 38875.264
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00294 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
289
Insert offset folio 289 here 38875.265
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00295 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
290
Insert offset folio 290 here 38875.266
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00296 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
291
Insert offset folio 291 here 38875.267
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00297 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
292
Insert offset folio 292 here 38875.268
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00298 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
293
Insert offset folio 293 here 38875.269
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00299 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
294
Insert offset folio 294 here 38875.270
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00300 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
295
Insert offset folio 295 here 38875.271
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00301 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
296
Insert offset folio 296 here 38875.272
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00302 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
297
Insert offset folio 297 here 38875.273
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00303 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
298
Insert offset folio 298 here 38875.274
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00304 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
299
Insert offset folio 299 here 38875.275
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00305 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
300
Insert offset folio 300 here 38875.276
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00306 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
301
Insert offset folio 301 here 38875.277
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00307 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
302
Insert offset folio 302 here 38875.278
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00308 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
303
Insert offset folio 303 here 38875.279
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00309 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
304
Insert offset folio 304 here 38875.280
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00310 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
305
Insert offset folio 305 here 38875.281
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00311 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
306
Insert offset folio 306 here 38875.282
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00312 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
307
Insert offset folio 307 here 38875.283
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00313 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
308
Insert offset folio 308 here 38875.284
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00314 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
309
Insert offset folio 309 here 38875.285
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00315 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
310
Insert offset folio 310 here 38875.286
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00316 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
311
Insert offset folio 311 here 38875.287
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00317 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
312
Insert offset folio 312 here 38875.288
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00318 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
313
Insert offset folio 313 here 38875.289
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00319 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
314
Insert offset folio 314 here 38875.290
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00320 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
315
Insert offset folio 315 here 38875.291
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00321 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
316
Insert offset folio 316 here 38875.292
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00322 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
317
Insert offset folio 317 here 38875.293
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00323 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
318
Insert offset folio 318 here 38875.294
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00324 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
319
Insert offset folio 319 here 38875.295
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00325 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
320
Insert offset folio 320 here 38875.296
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00326 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
321
Insert offset folio 321 here 38875.297
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00327 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
322
Insert offset folio 322 here 38875.298
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00328 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
323
Insert offset folio 323 here 38875.299
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00329 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
324
Insert offset folio 324 here 38875.300
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00330 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
325
Insert offset folio 325 here 38875.301
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00331 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
326
Insert offset folio 326 here 38875.302
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00332 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
327
Insert offset folio 327 here 38875.303
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00333 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
328
Insert offset folio 328 here 38875.304
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00334 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
329
Insert offset folio 329 here 38875.305
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00335 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
330
Insert offset folio 330 here 38875.306
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00336 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
331
Insert offset folio 331 here 38875.307
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00337 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
332
Insert offset folio 332 here 38875.308
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00338 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
333
Insert offset folio 333 here 38875.309
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00339 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
334
Insert offset folio 334 here 38875.310
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00340 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
335
Insert offset folio 335 here 38875.311
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00341 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
336
Insert offset folio 336 here 38875.312
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00342 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
337
Insert offset folio 337 here 38875.313
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00343 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
338
Insert offset folio 338 here 38875.314
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00344 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
339
Insert offset folio 339 here 38875.315
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00345 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
340
Insert offset folio 340 here 38875.316
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00346 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
341
Insert offset folio 341 here 38875.317
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00347 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
342
Insert offset folio 342 here 38875.318
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00348 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
343
Insert offset folio 343 here 38875.319
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00349 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
344
Insert offset folio 344 here 38875.320
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00350 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
345
Insert offset folio 345 here 38875.321
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00351 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
346
Insert offset folio 346 here 38875.322
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00352 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
347
Insert offset folio 347 here 38875.323
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00353 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
348
Insert offset folio 348 here 38875.324
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00354 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
349
Insert offset folio 349 here 38875.325
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00355 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
350
Insert offset folio 350 here 38875.326
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00356 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
351
Insert offset folio 351 here 38875.327
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00357 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
352
Insert offset folio 352 here 38875.328
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00358 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
353
Insert offset folio 353 here 38875.329
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00359 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
354
Insert offset folio 354 here 38875.330
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00360 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
355
Insert offset folio 355 here 38875.331
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00361 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
356
Insert offset folio 356 here 38875.332
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00362 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
357
Insert offset folio 357 here 38875.333
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00363 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
358
Insert offset folio 358 here 38875.334
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00364 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
359
Insert offset folio 359 here 38875.335
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00365 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
360
Insert offset folio 360 here 38875.336
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00366 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
361
Insert offset folio 361 here 38875.337
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00367 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
362
Insert offset folio 362 here 38875.338
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00368 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
363
Insert offset folio 363 here 38875.339
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00369 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
364
Insert offset folio 364 here 38875.340
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00370 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
365
Insert offset folio 365 here 38875.341
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00371 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
366
Insert offset folio 366 here 38875.342
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00372 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
367
Insert offset folio 367 here 38875.343
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00373 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
368
Insert offset folio 368 here 38875.344
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00374 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
369
Insert offset folio 369 here 38875.345
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00375 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
370
Insert offset folio 370 here 38875.346
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00376 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
371
Insert offset folio 371 here 38875.347
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00377 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
372
Insert offset folio 372 here 38875.348
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00378 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
373
Insert offset folio 373 here 38875.349
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00379 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
374
Insert offset folio 374 here 38875.350
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00380 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
375
Insert offset folio 375 here 38875.351
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00381 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
376
Insert offset folio 376 here 38875.352
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00382 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
377
Insert offset folio 377 here 38875.353
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00383 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
378
Insert offset folio 378 here 38875.354
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00384 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
379
Insert offset folio 379 here 38875.355
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00385 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
380
Insert offset folio 380 here 38875.356
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00386 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
381
Insert offset folio 381 here 38875.357
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00387 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
382
Insert offset folio 382 here 38875.358
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00388 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
383
Insert offset folio 383 here 38875.359
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00389 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
384
Insert offset folio 384 here 38875.360
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00390 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
385
Insert offset folio 385 here 38875.361
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00391 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
386
Insert offset folio 386 here 38875.362
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00392 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
387
Insert offset folio 387 here 38875.363
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00393 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
388
Insert offset folio 388 here 38875.364
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00394 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
389
Insert offset folio 389 here 38875.365
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00395 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
390
Insert offset folio 390 here 38875.366
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00396 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
391
Insert offset folio 391 here 38875.367
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00397 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
392
Insert offset folio 392 here 38875.368
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00398 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
393
Insert offset folio 393 here 38875.369
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00399 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
394
Insert offset folio 394 here 38875.370
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00400 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
395
Insert offset folio 395 here 38875.371
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00401 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
396
Insert offset folio 396 here 38875.372
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00402 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
397
Insert offset folio 397 here 38875.373
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00403 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
398
Insert offset folio 398 here 38875.374
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00404 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
399
Insert offset folio 399 here 38875.375
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00405 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
400
Insert offset folio 400 here 38875.376
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00406 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
401
Insert offset folio 401 here 38875.377
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00407 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
402
Insert offset folio 402 here 38875.378
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00408 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
403
Insert offset folio 403 here 38875.379
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00409 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
404
Insert offset folio 404 here 38875.380
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00410 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
405
Insert offset folio 405 here 38875.381
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00411 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
406
Insert offset folio 406 here 38875.382
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00412 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
407
Insert offset folio 407 here 38875.383
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00413 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
408
Insert offset folio 408 here 38875.384
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00414 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
409
Insert offset folio 409 here 38875.385
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00415 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
410
Insert offset folio 410 here 38875.386
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00416 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
411
Insert offset folio 411 here 38875.387
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00417 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
412
Insert offset folio 412 here 38875.388
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00418 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
413
Insert offset folio 413 here 38875.389
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00419 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
414
Insert offset folio 414 here 38875.390
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00420 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
415
Insert offset folio 415 here 38875.391
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00421 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
416
Insert offset folio 416 here 38875.392
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00422 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
417
Insert offset folio 417 here 38875.393
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00423 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
418
Insert offset folio 418 here 38875.394
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00424 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
419
Insert offset folio 419 here 38875.395
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00425 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
420
Insert offset folio 420 here 38875.396
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00426 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
421
Insert offset folio 421 here 38875.397
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00427 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
422
Insert offset folio 422 here 38875.398
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00428 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
423
Insert offset folio 423 here 38875.399
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00429 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
424
Insert offset folio 424 here 38875.400
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00430 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
425
Insert offset folio 425 here 38875.401
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00431 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
426
Insert offset folio 426 here 38875.402
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00432 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
427
Insert offset folio 427 here 38875.403
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00433 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
428
Insert offset folio 428 here 38875.404
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00434 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
429
Insert offset folio 429 here 38875.405
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00435 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
430
Insert offset folio 430 here 38875.406
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00436 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
431
Insert offset folio 431 here 38875.407
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00437 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
432
Insert offset folio 432 here 38875.408
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00438 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
433
Insert offset folio 433 here 38875.409
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00439 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
434
Insert offset folio 434 here 38875.410
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00440 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
435
Insert offset folio 435 here 38875.411
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00441 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
436
Insert offset folio 436 here 38875.412
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00442 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
437
Insert offset folio 437 here 38875.413
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00443 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
438
Insert offset folio 438 here 38875.414
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00444 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
439
Insert offset folio 439 here 38875.415
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00445 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
440
Insert offset folio 440 here 38875.416
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00446 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
441
Insert offset folio 441 here 38875.417
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00447 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
442
Insert offset folio 442 here 38875.418
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00448 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
443
Insert offset folio 443 here 38875.419
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00449 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
444
Insert offset folio 444 here 38875.420
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00450 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
445
Insert offset folio 445 here 38875.421
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00451 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
446
Insert offset folio 446 here 38875.422
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00452 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
447
Insert offset folio 447 here 38875.423
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00453 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
448
Insert offset folio 448 here 38875.424
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00454 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
449
Insert offset folio 449 here 38875.425
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00455 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
450
Insert offset folio 450 here 38875.426
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00456 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
451
Insert offset folio 451 here 38875.427
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00457 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
452
Insert offset folio 452 here 38875.428
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00458 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
453
Insert offset folio 453 here 38875.429
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00459 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
454
Insert offset folio 454 here 38875.430
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00460 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
455
Insert offset folio 455 here 38875.431
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00461 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
456
Insert offset folio 456 here 38875.432
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00462 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
457
Insert offset folio 457 here 38875.433
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00463 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
458
Insert offset folio 458 here 38875.434
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00464 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
459
Insert offset folio 459 here 38875.435
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00465 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
460
Insert offset folio 460 here 38875.436
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00466 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
461
Insert offset folio 461 here 38875.437
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00467 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
462
Insert offset folio 462 here 38875.438
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00468 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
463
Insert offset folio 463 here 38875.439
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00469 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
464
Insert offset folio 464 here 38875.440
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00470 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
465
Insert offset folio 465 here 38875.441
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00471 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
466
Insert offset folio 466 here 38875.442
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00472 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
467
Insert offset folio 467 here 38875.443
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00473 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
468
Insert offset folio 468 here 38875.444
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00474 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
469
Insert offset folio 469 here 38875.445
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00475 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
470
Insert offset folio 470 here 38875.446
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00476 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
471
Insert offset folio 471 here 38875.447
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00477 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
472
Insert offset folio 472 here 38875.448
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00478 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
473
Insert offset folio 473 here 38875.449
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00479 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
474
Insert offset folio 474 here 38875.450
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00480 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
475
Insert offset folio 475 here 38875.451
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00481 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
476
Insert offset folio 476 here 38875.452
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00482 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
477
Insert offset folio 477 here 38875.453
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00483 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
478
Insert offset folio 478 here 38875.454
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00484 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
479
Insert offset folio 479 here 38875.455
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00485 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
480
Insert offset folio 480 here 38875.456
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00486 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
481
Insert offset folio 481 here 38875.457
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00487 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
482
Insert offset folio 482 here 38875.458
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00488 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
483
Insert offset folio 483 here 38875.459
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00489 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
484
Insert offset folio 484 here 38875.460
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00490 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
485
Insert offset folio 485 here 38875.461
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00491 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
486
Insert offset folio 486 here 38875.462
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00492 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
487
Insert offset folio 487 here 38875.463
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00493 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
488
Insert offset folio 488 here 38875.464
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00494 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
489
Insert offset folio 489 here 38875.465
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00495 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
490
Insert offset folio 490 here 38875.466
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00496 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
491
Insert offset folio 491 here 38875.467
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00497 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
492
Insert offset folio 492 here 38875.468
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00498 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
493
Insert offset folio 493 here 38875.469
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00499 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
494
Insert offset folio 494 here 38875.470
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00500 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
495
Insert offset folio 495 here 38875.471
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00501 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
496
Insert offset folio 496 here 38875.472
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00502 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
497
Insert offset folio 497 here 38875.473
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00503 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
498
Insert offset folio 498 here 38875.474
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00504 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
499
Insert offset folio 499 here 38875.475
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00505 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
500
Insert offset folio 500 here 38875.476
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00506 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
501
Insert offset folio 501 here 38875.477
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00507 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
502
Insert offset folio 502 here 38875.478
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00508 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
503
Insert offset folio 503 here 38875.479
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00509 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
504
Insert offset folio 504 here 38875.480
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00510 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
505
Insert offset folio 505 here 38875.481
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00511 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
506
Insert offset folio 506 here 38875.482
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00512 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
507
Insert offset folio 507 here 38875.483
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00513 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
508
Insert offset folio 508 here 38875.484
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00514 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
509
Insert offset folio 509 here 38875.485
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00515 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
510
Insert offset folio 510 here 38875.486
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00516 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
511
Insert offset folio 511 here 38875.487
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00517 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
512
Insert offset folio 512 here 38875.488
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00518 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
513
Insert offset folio 513 here 38875.489
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00519 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
514
Insert offset folio 514 here 38875.490
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00520 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
515
Insert offset folio 515 here 38875.491
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00521 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
516
Insert offset folio 516 here 38875.492
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00522 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
517
Insert offset folio 517 here 38875.493
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00523 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
518
Insert offset folio 518 here 38875.494
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00524 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
519
Insert offset folio 519 here 38875.495
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00525 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
520
Insert offset folio 520 here 38875.496
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00526 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
521
Insert offset folio 521 here 38875.497
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00527 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
522
Insert offset folio 522 here 38875.498
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00528 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
523
Insert offset folio 523 here 38875.499
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00529 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
524
Insert offset folio 524 here 38875.500
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00530 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
525
Insert offset folio 525 here 38875.501
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00531 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
526
Insert offset folio 526 here 38875.502
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00532 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
527
Insert offset folio 527 here 38875.503
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00533 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
528
Insert offset folio 528 here 38875.504
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00534 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
529
Insert offset folio 529 here 38875.505
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00535 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
530
Insert offset folio 530 here 38875.506
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00536 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
531
Insert offset folio 531 here 38875.507
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00537 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
532
Insert offset folio 532 here 38875.508
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00538 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
533
Insert offset folio 533 here 38875.509
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00539 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
534
Insert offset folio 534 here 38875.510
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00540 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
535
Insert offset folio 535 here 38875.511
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00541 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
536
Insert offset folio 536 here 38875.512
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00542 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
537
Insert offset folio 537 here 38875.513
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00543 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
538
Insert offset folio 538 here 38875.514
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00544 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
539
Insert offset folio 539 here 38875.515
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00545 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
540
Insert offset folio 540 here 38875.516
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00546 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
541
Insert offset folio 541 here 38875.517
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00547 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
542
Insert offset folio 542 here 38875.518
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00548 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
543
Insert offset folio 543 here 38875.519
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00549 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
544
Insert offset folio 544 here 38875.520
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00550 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
545
Insert offset folio 545 here 38875.521
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00551 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
546
Insert offset folio 546 here 38875.522
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00552 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
547
Insert offset folio 547 here 38875.523
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00553 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
548
Insert offset folio 548 here 38875.524
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00554 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
549
Insert offset folio 549 here 38875.525
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00555 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
550
Insert offset folio 550 here 38875.526
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00556 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
551
Insert offset folio 551 here 38875.527
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00557 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
552
Insert offset folio 552 here 38875.528
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00558 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
553
Insert offset folio 553 here 38875.529
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00559 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
554
Insert offset folio 554 here 38875.530
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00560 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
555
Insert offset folio 555 here 38875.531
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00561 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
556
Insert offset folio 556 here 38875.532
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00562 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
557
Insert offset folio 557 here 38875.533
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00563 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
558
Insert offset folio 558 here 38875.534
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00564 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
559
Insert offset folio 559 here 38875.535
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00565 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
560
Insert offset folio 560 here 38875.536
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00566 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
561
Insert offset folio 561 here 38875.537
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00567 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
562
Insert offset folio 562 here 38875.538
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00568 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
563
Insert offset folio 563 here 38875.539
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00569 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
564
Insert offset folio 564 here 38875.540
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00570 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
565
Insert offset folio 565 here 38875.541
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00571 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
566
Insert offset folio 566 here 38875.542
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00572 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
567
Insert offset folio 567 here 38875.543
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00573 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
568
Insert offset folio 568 here 38875.544
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00574 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
569
Insert offset folio 569 here 38875.545
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00575 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
570
Insert offset folio 570 here 38875.546
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00576 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
571
Insert offset folio 571 here 38875.547
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00577 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
572
Insert offset folio 572 here 38875.548
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00578 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
573
Insert offset folio 573 here 38875.549
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00579 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
574
Insert offset folio 574 here 38875.550
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00580 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
575
Insert offset folio 575 here 38875.551
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00581 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
576
Insert offset folio 576 here 38875.552
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00582 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
577
Insert offset folio 577 here 38875.553
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00583 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
578
Insert offset folio 578 here 38875.554
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00584 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
579
Insert offset folio 579 here 38875.555
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00585 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
580
Insert offset folio 580 here 38875.556
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00586 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
581
Insert offset folio 581 here 38875.557
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00587 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
582
Insert offset folio 582 here 38875.558
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00588 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
583
Insert offset folio 583 here 38875.559
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00589 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
584
Insert offset folio 584 here 38875.560
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00590 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
585
Insert offset folio 585 here 38875.561
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00591 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
586
Insert offset folio 586 here 38875.562
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00592 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
587
Insert offset folio 587 here 38875.563
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00593 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
588
Insert offset folio 588 here 38875.564
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00594 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
589
Insert offset folio 589 here 38875.565
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00595 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
590
Insert offset folio 590 here 38875.566
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00596 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
591
Insert offset folio 591 here 38875.567
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00597 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
592
Insert offset folio 592 here 38875.568
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00598 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
593
Insert offset folio 593 here 38875.569
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00599 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
594
Insert offset folio 594 here 38875.570
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00600 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
595
Insert offset folio 595 here 38875.571
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00601 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
596
Insert offset folio 596 here 38875.572
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00602 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
597
Insert offset folio 597 here 38875.573
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00603 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
598
Insert offset folio 598 here 38875.574
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00604 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
599
Insert offset folio 599 here 38875.575
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00605 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
600
Insert offset folio 600 here 38875.576
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00606 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
601
Insert offset folio 601 here 38875.577
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00607 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
602
Insert offset folio 602 here 38875.578
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00608 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
603
Insert offset folio 603 here 38875.579
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00609 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
604
Insert offset folio 604 here 38875.580
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00610 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
605
Insert offset folio 605 here 38875.581
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00611 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
606
Insert offset folio 606 here 38875.582
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00612 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
607
Insert offset folio 607 here 38875.583
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00613 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
608
Insert offset folio 608 here 38875.584
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00614 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
609
Insert offset folio 609 here 38875.585
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00615 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
610
Insert offset folio 610 here 38875.586
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00616 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
611
Insert offset folio 611 here 38875.587
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00617 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
612
Insert offset folio 612 here 38875.588
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00618 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
613
Insert offset folio 613 here 38875.589
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00619 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
614
Insert offset folio 614 here 38875.590
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00620 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
615
Insert offset folio 615 here 38875.591
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00621 Fmt 6602 Sfmt 6602 F:\DOCS\38-875.TXT DEBBIE
616
Æ
Insert offset folio 616 here 38875.592
SBD026 with DISTILLER
VerDate Mar 15 2010 11:28 Nov 04, 2020 Jkt 000000 PO 00000 Frm 00622 Fmt 6602 Sfmt 6011 F:\DOCS\38-875.TXT DEBBIE
File and source
- File
- CHRG-116hhrg38875.pdf
- Size
- 33,974,252 bytes
- SHA-256
- 2eadcc34912fb99635b804bfa9b9dd3fe101228897ebd941d9c56deb786de236
- Our copy
- CHRG-116hhrg38875.pdf
- Original
- www.govinfo.gov