Reserve Bank of India issues Revised Master Directions on Fraud Risk Management in the Regulated Entities - (15 Jul 2024)
Banking
The Reserve Bank of India (RBI) has issued three revised Master Directions on Fraud Risk Management applicable to various Regulated Entities (REs). These include Commercial Banks (including Regional Rural Banks) and All India Financial Institutions, Cooperative Banks (Urban, State, and Central), and Non-Banking Financial Companies (including Housing Finance Companies).
These revisions stem from a thorough review of previous Master Directions and Circulars, addressing emerging issues in the sector. The updated Master Directions are principle-based, reinforcing the Board's role in governance and oversight of fraud risk management within the REs. Emphasis is placed on establishing a robust internal audit and control framework.
A significant addition to the Master Directions is the explicit requirement for REs to comply with the principles of natural justice in a timely manner before classifying individuals or entities as fraudulent. This directive aligns with the Supreme Court's judgment on March 27, 2023 (Civil Appeal No. 7300 of 2022, State Bank of India & Ors. Vs. Rajesh Agarwal & Ors.).
The framework for Early Warning Signals (EWS) and Red Flagging of Accounts (RFA) has been further strengthened to facilitate the early detection and prevention of frauds, ensuring prompt reporting to Law Enforcement Agencies and Supervisors. Additionally, the incorporation of Data Analytics and a Market Intelligence Unit is mandated to enhance risk management systems.
These revised Directions are now also applicable to Regional Rural Banks, Rural Cooperative Banks, and Housing Finance Companies. This extension aims to foster improved fraud risk management systems and frameworks across these entities.
Consequently, the existing 36 Circulars on this subject have been withdrawn, streamlining the instructions and reducing the compliance burden on the REs.
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RBMf3T+qD/AI4w3+7m/wCZQRLNZn6kMLznDcUyHLcZF+exyHHZP8vYYHTRDV0DtIdzXadQT0QS390/qg/44w3+7m/5lA/dP6n/APjjDf7ub/mUFc9veP8AfDG855bxDj/KcZSlqSx5G+TTDqzpbfU+xGY/2Q69Q0AIPGLG98GfUBNi2coxzeVyYRrpckKY+WfVbIHNjMXt6e4CfxbfDpqgkPcfK/UnwXCwZq/yzGWse+zFWsyQY9msAlOgkc0xauaD46IJBfwv1M08VYyR5xhpIK8D7B249vqaxpf0/Y+YCDK7F5TvDyXH4/lPI+QUbnH70MhGOiqNisNkDtrSXtY0dND5oLM5dU5PbwNmDjF6HHZp+35a3Zi96JnUbtzNDrqPsQcz9vMd3uHcvm3HsHybG08lFLFezFh1JroLE0oDd0Ufteg/yug1QTDl3an6h+R46OHJcuxFp1GZl2kI6QhlbYgO6MslETSwk9PHT4oMPt1k/qN5tg5MjS5li6ktWxLSu0rGOZ7sE8JG5rtItD0IOo6IJT+6f1Qf8cYb/dzf8ygfun9UH/HGG/3c3/MoIjFmvqPk7mT8BHL8WL8GPbkjbOPj9osc4N2Ae1u3erX4IJd+6f1Qf8cYb/dzf8ygh3d7jPfuHtzm5uS8qxGRw0VcvtVI6DWyPDSCPbf7Q2vB6h2o0QWD2Cj7kTcTx2U5Rm62TxV/H1ZcVXig2TwhzQf20m1u87enn1QS3n2O59fxUMXCstVw+RbMHT2LkHvsdDtcCxrS12jtxaddEEC/dP6oP+OMN/u5v+ZQVn3owHeitLxSHkvI8VfsX8vXrYq3XotimqWNwc2QSiJrwwEDcGnqgsscT+p/Qf8A3xhv93N/zKDDzWH+prE4i5k5ubYd8VKGSd7G45urhG0uIH7HxOiDT9ubv1Jc54fQ5PS5hiqta/7wZXmx7DIz2ZnwncWxadTHr0QSqnxb6l2W4H2ua4eSs2Rhnjbj2gujDhuaD7Q6kILdaHBoDjq7Qan7UH1AQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQUf3t7vflsRxGKBnmmcYYoYzq+zN4bG6ddjD+Irx+RvnfaddelI+aWvVq8Y8pcz5rkM2Knmd77bfKZRpZva7o6DXeMNfTX1jzcr+Px/aMUj9/wA0Nu178BoZWrkH3b0lgT5WN0UMUH/fJQT1m1d/RsHm53j5KnmTWYxXtVLS3ObuZTKWslxaxOKnQWMPZa8NbJGwakSzdN+8fwqHHpSIi8fqneYyjdfuHJWrVq82GpTXcaSyrf0IMfUbi1o1BLtPxaq+/E8pnFpiJ9EJ249Ed5LnWZnLTZFlVtQT6F0bXF43AAa6kDx0WvjaJ1ViM5Ubdnl6E/LcrLWxkAbDGMQ4Opyxx7ZNQdRvdr6uvUrsaK5mfdCs4lt6/N6VrPOuX8VGGX6/yeRjrv8AbMu9zT7urugdq1V24kxTFZ7L42t/lu4VafA5SoLTa8xmgqU6YZrLHUYA17mzs1D3dOvVZq8a2Y8uqUbUigxmKydetWEBu4qFrJ4r1uUTM9toBdpMPXC5vmxzdD8Vj22tWek4n2aK+NuqteacpfPyJljF3RIyoSKtyNnsu0cQRG7w1EemgXp8bXb6fxx1ZtlomejfYPN35bLbuPhNLkjGiW5jyNkWRi85Y2nTSUAeXiqN+msxi3y+/s7rt49XU/ZLuzW5LjosfZmL526sglk6P1b0MMmvXe3y+KlxeRatvpX7+k+7mzXmPOFtr0mcQEGj5Tx7ieUhq3OR1674sRM27Ws2XBja8kZ1D95IDfDrqgpXsvyfjVTur3PtW8vSr1rWTLqs0tqFjJW73ndG5zgHj7Qg2PffkfHsrd4LFi8pTvys5BWc+OtYimc1ujupaxzjp9qD79Xv9nmO/wBqV/76Ce93OfZXgnHYM/VxYyVCG1CzL6PLXwVXuDXSsaAdxGvnoEFX8g5pT7s874TU4bWs2sdiLn5nk8vJBJFBC1jCPb3vDdztTpoEFjd8uf5PhHBn5LExsflblmGhRdINWRyT66SOHnt2+CCNRdm+7FuJljId1cnXuyNa6eCrXaIWP06tZ+0b0H3INX2SwuSwveXnWMyWXnzt2CrS9zKWm7ZZd2hAcA5/4fAdUHqz/m/k/wDxz/3wg/HdfIcl59zt3Z+tFXxmMLa2SvZOWRxmsVWO3PZBGG6ahw08fJBbfKI61HhGVi3iOvXx07A+RwADWwuA1cdAgh/02/2Nce/yT/6xyCzUFEdqP+YruX/kav8AGEG5yv1B4zjHOM1xnmVGTHCsGSYSxXZJZ+dicCfBrejz06Dp8Sg+/TvjMyaPJuTZKlJjY+TZWS7RpTtLJWwAbWvc0/h3f3kDtjlL2J7rc54bk55H+7NHmMR7z92+vOwNkEep/Cx7dNEEL7p4juPgO4uPdLz3K47iHJrj4a9iAe58hZmcTFA5m5g9rUhrXa+CD07d8dy/H/qYu47LZ6xyO2OPiT8xttDZNr5WaM0Dn9G/egkXcO7yLmvder20x+Snw+Aq0fzHP2qjtk87XuLG1w/xaDp4hBHe7HY5nE+2mducQzuQrU46z35TFXbDrFexA3q4NBHoePEEILZ7Lf2ScQ/2TT/qmoJbetx06Vi5L/RVonzP06naxpcf4Ag5Nzg5VznB1+53K7tqxwV+TfFLgqEr4DUxzXe024C0Hc5jgS8Efbr8A2PczhM/G8r26fiuRWcxw+7nKUuPq3JfmHwyEtIfFP8ArRPj8vigtHv7yXklHH4DjnH7f5bc5RkI8fLkm/0kEJBc8x6frHTRBpOQdgafHeJ5W9xnkuVo5NtSZ1yW1ZdPWtAM1kE0RGnr08R4IIX2F7PTc47aY6zyrM3v3eidYZg8PSnNeNmlh5lmkLQS55l3AfYgsnsdlszVz3MeD38hLlavGbjI8ZdsO3ziCVpIjkd+ts0QW6gICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIID3e53X4xgJG++IZ5mOdJJr1jhb+Ij7XfhC8/n75iI11+ey/RSJnM9ocd5/klyBpzNh+ufyzCKMZP/caJ19Q18HyD9Kq4/FiI8I+WO/4yt2burG4NxprrdW/eq/P2LEuuMxIdpJM0H1zvLtPQzx6+JV3I2TEYqqpWM5lsctbs4a/nIso2yaeVe+GrlY/RMPb1IjaDofaHgQNPvVOqI2RWY9Fuzp+qFZDOZK5UrVJpi6CnGIa7dNCGD4u8SSvTrriOuGTylh14JrEntQxukkPgxgLifuA6qUzVzOT2pInhsrXRA9CXNPQa6HodPNMxPZKK5bbkfFJsO2GwJRPRs6GrNtdG97SNdXRn8GngeviqPrZma+zvg0bYnzSCOJhkkPRrGguJ6a9APuVtdvieLzkgljDS+J0bXa7S5pAOnQ6dF2b1sYbLHcozGLxN7F1Zg2pkG7Z2EE+PQlvXpqFXbi1vMWn0c6wk/bHjGJylazfsSH56rI1oa4gxMjcw6ukj2udIHH09NPFY+byJ19PRdqpE92+5nx4toY+7VhGPycRiZXlkkLfYji915BcNfS/9XX7ln4vI8pmJ6xLRtpERGGFxblRpWoeU03OgjMjIeQ1YuhY8/0dpo/nHx+1W8jRNo8fWPlVVviXa3AOVw8jwMVn3GvtRhrbBadQ4katePseOq0cLkTtp1+aO6ndTxnp2SVbFQg1PK+MYvlHHr2ByjXOo34nRS7DtcAfBzT8QeqCle230n8ZwdvMN5ZBW5DUlkj/ACiR3uxvZGAd29rXgA+HmUGF3c7X8B4hlOEXON4aHG2p87WilmidIS6PQnb63uHiEG5+r3+zzHf7Ur/30F25ChSyNGejehbYp2o3RWIHjVr2PGjmkfaEFEcYy9rsjyQ8Q5Bvf2/yczpOP50t1FN7z1gsuA8Ov4j/AOoLC7ycMdznt1coY57ZL0ft38TI1wLHTweqPQjxDgSP0oPvaTubQ5rgGNlPyvJMc0QZvFSemaGdnpc7aeux5GoKCL9v/wDmF7h/6rQ/iCDWs/5v5P8A8c/98IJ/3E7WYvmMtLIsuWMPyLGbvy7NUiGzRh3ix2o9bP5pQQXO9kuR2+OZB/NudZLklarXmniosYylA50cZc33WsL3PGo8NyCR/Tb/AGNce/yT/wCscgs1BRHaj/mK7l/5Gr/GEEv7zdsZ+WUKmZwb21eY4B/zOGtOAIeW9TBJqOrX/wAaD37U92cfzOm/H34zi+XY79ll8LP6JGvb0MkYOm+N3xHgg8O6/b3N5W9jOYcQsxUeZYLcK8k52wWqzjq+vOf5Hjp95QQvMV+6/dWxh8PleNxcawONvw3MpkfnY7Ytiu/UMre20aalvxQZ1BoZ9Wd5g8G8aiA/RIxBve4nBeUwc0odxeFNhsZunWdSyWJsOMbL1Qu3BrXjUMkaddCQgrfvJyXvVyft7l22+Mt4fgaUTpMq+xbbYntMb4Rw7GMG0n8WqC5ey39knEP9k0/6pqCZSxxyxvikaHRvBa9p8CCNCCgo6LjncftpDlsLhOPR834PkZZZamO+YbXs1BY192Ah7HtfF16fegqPKcZ7nYa1wEclaMdxtnI4WYHASSiaxVZJMJGtkkAG4Rs9DUHT3c7tzT51x+Ki6y+hkqMzLmJyUY1fWsx/hfpqNw0OhCCsOa8W+oPLcTy2N5NncVV4/WrPfPbx0MvzlxkTd2yQOO2Pfp6tqD07Ov5qz6Y8T+5ccMmfe64yv8wdGNDrswc/72jqEE/7P9s3cHwU/wA/Z/MOR5aX5vN5EkkyzHU6An9Vup0QT1AQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBB+ZZY4onyyODWMBc5x6AAdSuTOCIy477v8ui5Ny6Rk7tcZTab2QjBP9BGdIIT5evovGpPnedk/zTiGq1/H4PZVGErScq5UZLeja0pM1kudtbHDGQGsBP4QdQ39K3bLTqpiO6vGZS7MW8fPZkZyjH2MBaoMccXk6chaHQsH7KEE7t274hY9Wf5J8s94Sv8AFHVXl/L5PJyMlyNqS1JG3Yx0ri4tb8BqvT1aa0joqteZ6MQbS7wJGoDg3x6n4lT2T0Qmsyn+AyHGKtmq6zx6bHE+46PKR2J43aNDQNJN3tsO46ucW7fDovPvFpjpP6Lqa0qzWAxmWxbQHvkqT+02O63Y7cxsjpX+3KBp7nuvdqQNHBZ9e69LdV0ViGusY+1c4Y2LJsYbsMrMXKHTum6tkEbZXOcS5uj9JSAeunw6KybxF8xPd2YzDd8T41gcJVia+zFBtLrckztvz50jdGJYQ4HSNrXu6efj5LNbdfZKHiwMrkOE5uvHWtR3pKr3tbQfXjjJc2PXdG0hnq3H1uc3Qnd18FOsXrKMwqLk1ajBmLDKEckdXcdsUrHNMbtesZJ13bfDXzXr6+tY6qpe3FOTWON5EX4YRO8Ne3YSWjQg+JaR5/FV8jjxsjFkYmYlZeEx37wYdl11aa5LfhP5tM+U+y/1HVgB6Rvh9Lm6dNNV4+3bGm+PSOzZHWECrMs8b5FPRuEy0pN1a21vhLBJ4P0Hj6SHBetbx2a4tE9VMziV+fTzyufB56XAXZ/cbA4QteXdH1pT+xkH81uo/QsMX+nti/8ALfpKyaZrj1h1MCCNR4L2WQQEBBpuRcP45yN1B2Zpi27GWG3KJL5Ge3Ozo1/oc3XTXwOoQfjl3COMcwx8eO5FSF6nFK2eOIySR6SN8HaxOYf4UG8QYWawmIzeOlxuWqRXaE4AlrzNDmO0Oo6FBkVKlanViqVYmw1oGNjhhYNGsY0aBoA8gEGDW4zgKubs5ytQhhy9xjYrV1jA2SRjTqA4jxQeWP4hx3H8hyPIqdQRZjKsjjv2t8hMrYvwDa5xY3T+aAg8xwjjA5eeYCkP3iNf5M3vck19jXXZ7e72/wBO3VBvEHlbqV7lSapYZ7lewx0UzNSNzHja4ajQ9QUGDxvjeF41hq+GwtYVMbVBEFcPe/aCdT6pHOcep8yg2aDRYng/FsTyLJcjx9EQZnMBrcja9yR3uhn4fQ5xY3TT9UBBvUGs/djj35/+8H5fB+d+18v+Ye2Pe9okHbu8fJB+OXYD94eMZTB/Mvp/mVaSt81F+OP3G6bm/aEES7JdqJe2vGbGHlyjspJZsOsF+0xxx6gNDY2Eu08NT18UEoZwvjTOWycubTA5DLWFJ973JNTACCGbN3t+I8duqDdoNfyDj+I5Dh7OHzFf5rG3Ge3ZgLns3NPluYWuH6Cg9MLh8dhcTUxGMh+Xx9CJlepBuc7ZHGNrW7nlzjoPiUGYgINJyThfGuSyY2TN0xbfibLbuPJkkZ7U7Pwv/Zubu0+DtQg3aDHyFCpkKM9G5H7tWzG6KePUjcx40cNWkEdPggwuLcWwPFcHXweBqini6peYK4e+TaZHukf6pHPcdXvJ6lBtUBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBBEO62XfjOGXHRke5Z0rgHx2ydHEfcFi5+zw1Tj16LtEZs4b5LmDJh7NwO0tZ2695Hm2pXJDGg+Q3gHROPriMR7QlutGezx4jnuLUa7aOXx77HzchOQt+65uyFrmlgY1h69R6gu8rTa3Ws9YV0mJnEv3zHllrISWcZVvOtcfMwmqxlntgBrQ1oDToWhunh+nzXOLq8e8YlbecIsCtss8SmvGs9xHE4mORmHfluQzOdEYrI9yEEj0bYerHerQDUblk2Utae/RZFolPMLy7lOfMtK1x6KeBrGV58e2CNs7y8EfMPi03hkWm0bRt+KwX0xXrE9V1Mvj8LFUyHsVa0lC5kJmRz1bMfqbFExsf8Ao8oG3foz3NGHU7vgqdl5x19FmGXHUv17zHXKDIMdFYmZPLckEcYY5+wP915A1cDv3OPXwCpx9T1Jai7ncDEwtv5Kxfc8Oqhkk0jYIJDru+W3kOax7fT7jPw6/ArXFJxEQjNoZNDnnEoNHY5k9INqsaDBOXyQwB5jmhjJOkbi4Bxcz8bSEvo2ehWaT3lschgcVyyk6nXkrmWCSaOq2WKTZG9usb3iGsCZpXabjJINVXp33pbEl9Ne8SorP4axhszZxljX3KzywudG+LcPJ3tyAOaD9oXu0tFoyyzGJSjiHPp8e2pSyc85xlJr/ZZWIBO79SRp6SR+I0PxWDlcKL5n3TjZjo0WczDsnbEhjEdeIyNrxDxEbpHPa1x89u7QLVr0+FcK5slvGMvIy3x7KMOjg52IuFvRx11+X3/HRmiw8vVFq2r7dYadV8w7n4jlXZXjlG8/QSyxD3Wt8A4dCFt4u36mqtvwZ9lcWmG3WhAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQUn9TOTNfAxsa8tdDBPO3adDuc0tb/EvM5sed61/Vp0dplyLy5wZYx+OaCI6VKDT/AApWh7/+ktPG6x5e6rb3YD6laLGQWY7cck8zntmqNad0YbpoSSNOq0yonPoxtRp4/cPj9gUfzXa4me60+L/T1zjLY6LMWvao4twMkm8l05jB6ljWgt189CQsuznUp3WzolueV/T7mGz07HCMVNNFXjilsVb07fenefVqGuLWtboD03LLq+40vMxLn0sI5y273noTtddxdnHsia1jGwQmRrWt1AG+LcNOvmfgrdejTPr+6Obt32ZyvJsvkrM2WmfPjaDR7bJWgtjsnqHAHqH/AKxWP7lWlKR4r9XlPdvuddx8ThcrHTka5lzbuil9ps0YHgA4OcC0HwJAOio4PGtsjyz0StfxV3J3euTZBzJwyem9zmSmy1r97C5uzeAOpY3c37nL0o4cx6q53IpnrWCt6ZHFtbTmMkkdmkzpGAHaxyQt/VaR+r9mvmtla29Wa2PRuOE8v+VuNiuyFskjtsU/4fXO8+49516aNPRZOXxZt1r3aNOz0lm9yWYLJ1KWfx0kTJZmhk8bjIJpS3oXbdpYQ09Nd2qnxLzWPC3dzfjOUDYNVvyzZZ9mLFtxdN8Bk/MHvkNwO09vaOjNmh1+/UKrFpkbHAzv/JMxEw/ta3y96E+QdHI1p/6Kr31jpE+vRo0y7h7KXhY4mYw7d7UgcD9kjQf7yzfbOlJr7Wl3kdbZWCvSZ0J7p8v5fxLA2M9hcRVyuPx8D7GRbPafBK1jOpMbWxSB2g6nUhBXfbfvz3L7iVbtnjvEcd7WPfHFY+ZyUsZ3SAubt0ru16NQZ9j6jZeM8ir4HuLxyfj09kaxXoZW2qjml2m8PG1234+nUeYQXPXsQWa8ViB7ZYJmNkiladWuY4atcD5ggoPRAQEBAQEBAQEBAQEBAQYuVflGY6d+KihnyDWE1obMjoonP8g97GyOaPtDSg57qfU5z+3zx3BYeGVDyFs8tUxHIvEfuQtc9/rMPhtYUEl5F3t7h8LqtyXNODGDDue2M3Mbdba9tx1/pGubHt18j4ILJ4NzrjvNsBDnMDY96pKS17XDbJFI38TJG+TggkCAgICAgq7v7kuf4Hh1zkvGMzHRixsbXWqT6rJDIHODS8TOdqzTcOm1B+Pps5Tn+T9tYctnbr71+WzYa6aTTXa15DWjTToAgtRAQEBAQVT9QHeKft7gqkGKjZNyLMPdFj2yjWOINLQ+V489C8ADzQR/JcB78w4TH8hwnNrF7kkojmvYewGMoaSNBLImdQPb18/HxQXVhTlTiKZy4jGU9mP50Q6+1720b9mvXbu8EHP/AHD+prn3AsyMZnuFV4nTB0lSVuQc5ssQdt3AtiP6QgtztnyjmHJcE3KckwMeB+YDJaMLLPzDpIXtDmvf6W7CfHT4IJggICAg5r+qjIc/4fSx+Zw3LL9epkbT68lCLSNjDsMgIkad3g3TRBdvbS1bt9vcDZsSumtTUYnyTSHVznubqXOP3oIR2tx3favz/kE3NLTJeMvc/wCQZuY5rju/Zms1p3RsDfxB+nVBbyAgICAgICAgICAgICAgIOb/AKsJ3NHtg6A0oNftDp5QQvM3z/8ATX/x/i16v9ufzc38opWL3L56dZpdM9sTIWN8ejegGq0cWYjXmVW2M2eFvh/IsfSlvXcfJVrRkB8koA1JOnTQqUcnXbpWeqF9VojMw3Xaa5x6rzWpNnII562hbCZv6OOU6aPI8yPJQ5k28Phd1Thf1/MflctkUL8tujPIC1ocPb18CQB4AjoAvmdlbT3elhhR8ws44xst2ZjC8s1e4neR4N+J89FTXX16OTSFgVu4+GsQx04adiz+zLndN2rumvTQqyN+Iw5FMvtjM8NlZHJHj4Tu6SwmP2X7h01IZt1d96js2+XSeqXhhrrfB+zWZufmOXxNexZLRufM6Vum0dGkNe1atHLtrris4hTfXmT90OxuN2shwdEx6gh4a94I2knq5/kdFb/fXn1R+i9JeDdiclA1jsLQcZANWs3Nc0knr0cozz7R/MfRVj3I+mrAmB1rhlkxWd2ppTyB0TwT0a12gLfs11Wzjfda5xeULapjsoXkGL5Bi7MeHzlaWnJQ3thglaW9HHVzmnwIJ+BXs6rUvPlWeii84jqwYxp4qyY6qUoxHb/NZKGK24Q0ce8bvmrMoZub8Wt6k/wLNblVjt1lZ9K3di4Ct7FvkFbeJWNpzsbI3weG66ELm+/l4zPus09pdefTLbfZ4nM53h7dQgfe1+v8Sz8CMWvH+pLf2hci9JnQ7vL/AGTcw/2Pe/qHoOffo85lxXj+F5HDm8rWx8tizWdAyeQMLw2N4JaD8NUGv+pDk1HuryfjmC4FHJnJaPzDJLVeNxhdJZ9ohoeQPwCLVxPTqg6n4diH8e4bicXclDpMbShhsSk+kGKMB2hP6o06fYgqyr3x5Vzvk93BdrsZWmqY7X5vkGULxX1Dtvoij0c4OI9Pq6jr0QemH728pwPcWtwLuNj6sFvIBpx+Zx7nCtIX6hgdHISW7iC38XQoNn3N7vZjE83xHb/itatLyXLsEnzd5zhWrMcTs3MaWueXbHdA4eSDO4zyzuhHzqtxbleLqNryVJLQzVASGCctGnthryfacHeIcTqEGP3a750OE5Glx3GUXZrlmScxtXHMdtaz3XBrDI4BxBcT0bp1QR7lncbvrwTEw8m5NicRkMEZGtvUse6ZlioHk7SZXlzXjyJDR1QTm/3Eyd/t5X5jwrGRZuKxA6ya89g13tYwHeABHJve1zSNvTw8UFU8M+qPknJcPejocdGT5W+yI8ThahIAriLfJPNI4+DSCOgGvggy+Ld1e/8AyTh+euV8FQo5zA2P2jbdedkViFrHmWGJhk3e6wtB13aHwQePYjvT3a7j8jsV7Qw9bGYp0LsnE2CZlh8cvuDSHWZ41aY+uoQb/unznvZgOcYrCcZjw1ytyGYw4qvPFM6xGI2NMsk5bK0e23UncG+CDYdw++MnAMdh8Pfqx5vn2SjhacdRJjg955DC7V3uOa1zz6GnqUGp5Rz/AL98Mwg5ZyDFYe3g4iw38ZTMzbVZkhAaTM8uY7aTo70eJQWtwjmGJ5jxehyLFOJp3mFwa78THtJa9jvta5pCDeIOJWZ7D4D6u7uXzFplLG1MredYsyBxawOrSsbqGhx6ucB4ILV72d7ODcn4Td4hxK43OZrOBteGKIGNjBuDy9z5hG39Xogk/wBM/bPK8F4RYjys0Ul7K2PmnwwSCWOJoYGNbvb6S7Qau0QYHJu8fcC/3Pn7e8HwsDbVX/vGXyQkdAxrW73vLGbNG/qt9XUoMKl305rxnudV4F3CpUXyXzGauUxu+OMMm1bEXRyOkPVzSD6kFg93OY8s4hxa3n8Ljq1+vQj92378zo3NbroS1oad2nTzCCBdvO9fcLuThwzi2JqQZCo1/wCb5O8XtqQyuJ9mKGJhL5SW6F2r26IPTjffTlGL7mM7d9xKNSDI2dvyeUx7nCB5kG6LcyQuIDwCNd3j00QSz6if7F+U/wCqt/rWIIP9N0uZi7Aukws1WvkmT2jBPf1+WYRIfVLtcw7R96DJ7cc0+oTluTdZMWCZxatc9l+TFeww3IY5A2R9QGYkhzQdrnDRBeqCBd2+8HHu2+HjtX2m3krercdjIzo+Yt8XE9drBr1OiCLVuUfUXcwMfJoMLh2VJIvmWcfkdN866Ijc39trsDyOu3Yg33aTvZg+5GOssqRHH8gpNPzmKmduLD+EPa7Ru9m7oeg0Qc5/U/H3EbyXj371TY2WUmX8t/L4pGBrfdb/AE3uPeXHw8NEHSPBoe87btJ3JLWElwXs+tlKCeOxrs/Z6OfK9nj49EFhoOT/AK0gDyjhmoHWOzr9v7WFB0xWfkY+LU3YyGKa4KsPsxSvMcZPtjxcGu0/uIKGwP1Nc0t88ynELHHYp8vE9+PxtCq92hvRTFkj57DjoyBjGknSMnog3XPe6Pejtwaub5LjsTkeM2JhDLHQ95liBzvU0Oke5zXelp67RqfgguTj3I8XnuP089QlDsddhFiKR3TRpHXd8NuhBQVCO9/Lebc0u8X7X0qckGLG69nclvfX0B2nZFGWOO53Rp3dUFYfVPyLm7uN4fjvMcdXjyEdz5ytlce5xqWIhC6Nzdj/AFRSNc/8JceiDoThEudj7R4B+DggsZEUIfaisvMcZ9Hm5ocfFBX3ZHvpzXnPcPLYHNVadOnj4pC2Gs15eJI37CHSOcQ4ag+DQg33dvvJyfjfLsTw3iuDGRzeWawxWbBeIGGR+xoIaOoHi524aII7y3vT3T7Z5nFx88o4zI4fKO0FvFtlhdDtIEgIkdLuLQdR8UF+U7UNupBbgdugsRslid8WPAc0/wBwoPVAQEBAQEBAQEBAQEHO/wBVuOfLUNn9UUmaH4mKWR5H9xy83kRjkVn8P4teifgmHNuYsMg55WsmSSJsnysrpImhz2te0H0N8zoeis1RnThVttiyS8kzF/L8ZvmthrkDGMbH83PM90PyzHjQkPJLpi4jU/BZdOqtdkTmFu28zVWrQ5jgR0c0g/pC9aYzDH2TGDuryGKKtC+GB9aB7ZHsZGGGQt6guLdFg2/b6z6ro5Mp1hOWWedfNzQ41sDKkQba2v1Ia7pqwHyZ4leXyeLGnt6tmrZ5wleEvZPFENgtexK2IiaVn4nN6bXD4j4ryrx1aIjDd/nM+SqGG0xtuVzdI52sEcmoHQlzdNT96g6jcMORm+YjtyPMkB0DXH4fFScmHneiuQ0fmYNZJoAJDH1OrPPoVZWMuMmHkFi7DBI1sPsvAMUkcTGOPxDnNAJIPxTbqdfchnchXidJvJa3qBucDqPtBUdNYtOHJhqLnLOMdzcfJxy6S3KVGuGIszAe5HI3waHDTdG7wIK9jjadmjrPZn2Vrfp6qMuU7NG1PTtxmOzXcWSt8tQT4L3qz5RmHnzSazhO6GB5xQrVpHUWZjDzxxy+28Nka1jm7trnH1xga+Gui82067T7S01raIzPZGcPMCM/ca324/k5AGDT0GV21renwJWjbER4xHujR2H9N1F9XitgOGnSsz/2GO/7ShwI63n/AFJcj0hby9BmQ7vL/ZNzD/Y97+ocg5n+mrtjxnn/AAHmGMy1eP5kWK3yORDG+/Wf7chBY/Tdt1/E3XQoPHtVz/N9j+eXOFcugDcJYnAlsbesRcdGWY3gavieANw+z7EHTHdqzPe7Rcjs4OT5iSxjJX1Ja53b2uZrqwt8dW+GiDm/6V+3mH5bh86+zl8njrdWxEBFjbstUPjcw+p7YyN3q8yguk/TJwWTMU8vdv5XIXqUkcsEty6+cgxPD2jWTcduo8EGr74dl6vcDODLcYy7KPOMLDEJYRIRui1e6DdtO6J27dtegj/afvfz3D83r9t+51YjIzyCvSyTwGyGR/SJr9oDJGSdGtcBr8dUFc8qxDsr9Vs2O5FZmpV7d8sgs1pXQytiMR+WLJAdWnXaOiC/b/028VyNZ1XIZ3PXKr9C+vYyc8sbtPDVjy5pQS/CcMxHDOAT8fxBk+QqV7Ri9125+sge92p0Hm5Bzj9EeNgdn+RZF3WaKrHAwaDQB8gcSPPX06IOuiAQQRqD0IKDkGiwdovqgdWcfZwOddq0udo1sFxx0c7X/wCHKxyC6uCQnlvc3P8APJhvxuK3YHjhI1BbC7/TJ2n+dNuZqPIIOf8AuhjK+R+qZlDkM8tSnatVWRWYnmORjXMArujeOrTu26EIL6vfTfxfIVX1L+ez9urLp7lefKTyxu0Oo3MeS09fignHA+DYbhPHosDhzIaML3vZ7rtztXnU9dB5oJEg4ww0EFj6y54Z42TRPy1/dHI0OadKsp6g6jxQdQ8z7ZcG5JgrdDJYeptfE/27DIY45YnAahzJGgOboRr4oOZ/pS5jnsX3Ls8JNp9zCzttNZGXl8cT624iSPXo0PDdDogurJ94WZHuBZ4XwHG18hyWJr2ZPL2vRVrCHo4P2bZJth6aNcOvRBz532pZml34wbMvk/zPIObjJJZmxsiZETYd+yiawAhjdNRuJd16lB1B3+/sb5Z/qL/+s1BAPoyjjb22vPa0Bz7797gAC7RoA1Pmggv1JMYz6gOHyNaGvdJj9zwACdLTdNT9iC8vqJ/sX5T/AKq3+tYg5fxmO7qW/p3FrESwxcVxtuaa3Ug1dastDyXyS+XtRnoWefidUHTnYfuriOe8OgdCyKplccxkGRx8TQxkbgNA+Jg8I3adPh4ILKQcZfV7Bkmd2cRPZDvkH067arzrs9Mz97R5agnUoOyoXROhY6IgxFoLC3w26dNP0ION+x7bFj6m8nNgyw4tkuQdbdGDsNYkgaadP6UsQbz6y/8AzZxD7pP62NB1Ni//AKZU/wAjH/1AgyUHJ/1pf+aOF/5Oz/WwoOo8F/8ARMf/AKtD/VtQchdpgD9XmW1Gv/iOe/8A50Fz/Vi1p7O5AkAls9ctJHgfcA6IMftY2676XazaPW0cXeEQ+33JdfD7EEE+iF9P2OTx9Png+Bzh5+1oQPt/Fqg2X1uuj/dTjjdR7nz8p2+ensnr9yC6e1X9m3HP9Qg/6qDm76W/7buV/dc//slBdfcPvDicDzDH8Tw2Mbm+b3dkdeElsbKzZvAyzEagEdS0eSCi/q0pcshpcdscnysNq/YfORjqcQjq1wANfb3bpneOhL3lB1Zwv/yfg/8AZ9T+pag3KAgICAgICAgICAgIKl+orBvv8XhsNO2NjnwTnz2zN2t0/SvM+41mIrePSWjjz3hxxyKKZ1HD5It0lbEak7vhLUdta0/4rVo1zE5qjsjMplDn8xyEs+Vx89irJHJ8swv03TFgY5r9x2+0zxBb5rLXRWkrq9lbT15IJnwTN2yxEskb5hzehC9OvysuyOryIUlaxuy4txX787dRSkZ7U7xqAHabh9vTReP92mPGIju9HhrTwkIymekxlaZrZatcyyz7QY2lx9MTz4+sddR4aLwfGa6/KWq09XhG2WHKy0pHmNsZPufyNQNwIPw0KprGY/NxBMh3gxFS9Zrvp2Z5GSvHvMe3adD8HFexq+0W2Vics88rxnDI4n3ejy2egxNiiK1aySGyNeS7cOo3A9PAFT5P2uaUznsnHJiU5zlSnia8lqIthrN1ncyQ+lrP1iw+A18wvE1xe9vFPyeEU2HztOF9OZk8DhvLwNdR5gt8QR9qv+lfTfqszmqqcXxHI0+5wr4lxuR03i26ZvpEcJBcRI7wbp4ar6D68X0ZnvLzqR42azK15uRdwp4q0ej71khkbHatAGm4tcfHQNWnjzNdHVXeubNrncdSxtLIz45uRxORxxjY9tokxWmPcW6tI6Dw1Co0zM26zEx+62aYhpcLSdLhJImj9rlrteowfGNhEjz+hwVu6/xflCund3D2bxTqHCa7n6a2numaR/IOjW/xJ9vpjVn3nKXJn4/yTlbmdXHeDh3cvluOlwnGsvj8bg79V1fJstxSPneXk7gxzQ4NaWaD4oK47b9h+9nbsXG8c5NhhFf2mzDYgnkYXMBDXD0ggjUoJ53o7I1O5PHKzHyw1OUUms+XyW0+2ddPdjeB6vbd1I+BQajtJ2r7u8JbXw2Q5HjslxJpcJseYpXytY7XVsT3tG0EnqCdEHh//nrMcU5PY5F2tzrMHLb6WcVdiM1NzC7cWDQFwbr+EeXkgmmG4dz+3kKl/l/JhOyro9uJxUXytZ0o/Xkk6TSN/mO6INfnO2PLnc7v8143yJuMyFmvBVFCWH3as0UW4kTg9ddXekt6j9KDVYLslnr/AHAqc87gZetlMvjg0UKVCAxVYzH/AEbyX+sua71feg2PdrsNx/n9utmI7MmI5JSDfl8nAAS72zuYJG9NdrvB3iEHzG8S77Pq/l2W5lQjrNDYxkKVLW49g6O3e6NjXkfrD70Ejz3H+WVuJswnErdY2Sx8M1zMunncWyA7n7mauc/Vx/F0QVR2i7E91e2eQtT4zL4W7XvtYy3DYZaBAa4HcwtaPVpqND0QdCN3bRu03addPDVBUvf3sbJ3NrYt9C5Dj8ljnvDppmuc18EgG5vo66tLdR+lBYfD+MUOL8ZxuAoj/RsfAyFrvN7gPW8/a52rkEM7udi+O9xHVr755MXn6IAqZOD8WgO4Ne3pu0I6HxHkg8MTxHvsyoMZkOZUG042tijyNejuumMdCXe4Pb36frfpQWHgcPHh8VBj47E9oQ7i6xakdLK9znFznOc4k9XE/cg/PIRyI4qX93TUGV1Z7JyHufL6bhv3e169duumnmg5ul+mPu27nMnN4eUYurn5LT7omijn2tlfrqA1zD6dDpofJBYd/hv1D5ii/GZHl2IpUp2GOzZx9OT5lzSNCGmQBrd3mQg2faPsLxPtuJrVOSTIZiwz25shPoCI9ddkbB6WfafEoIJnfph5JD3As8q4Xyx2D+elkmsdH+9H7p1eyNzOjmk+TkGTzX6XZcpBhLuIzz3ckxkxnu5TKb53XZHPY/fI4bnDYWaNb4aIJl3F4V3O5Nwp3F6mWxhF+AxZi/ahlZI4l+7SBkQLA3TQanr0Qabsh2q7kduIJMRYyOJv4GxI6eTY2wLLJCwgBhIDC0u013IItz/6fu7HNOa1+WXs3hq1uiYfkq0LLRiYIH72a7mkkl34kEv7l9v+8XN+LR4F2Zw9CCzGG5dsUU5Ejmu1b7bnNLg09NQUGH2s7S90uDcWyvHjmsVdpzxSuxkUkEr2x2ZPH3dzRuiPm1BCuHfTN3d4dyN3IOPcnxVO68PbJEIZ3QPY86mN0ZZoWfD4IOmMc28yjA2+9kl0MaLMkQLY3SaeotB66a+CCLdz+1fGe4mEGNzLHRzQEvo34tPervI0JaT4g6dWnoUEMh7bd8KmFZxipzamMEyM12X5KjjkmwaEBjXfg1Dem7XVBK+1faDjHbnGy18Xvs37ZBvZKfT3ZiOoHTo1v80IKp7nfT53c7g52PJZXkmKZHSL242GKGZntRF5c3do06v001P2ILg7cYnuJisW6nzLKUspJCI46U1KJ8Z9tjQP2u8Dc7p4hBLna7Tt6O06H7UHNfcv6de7ncLMRZHOckxP+itdFTihhnY2ONzt3XRp1d4alBanDMF3dwvE58bk8ricnk6sMUGGm9qaOINjG3/SNoa5x26D0j70FW8b+njuvgO4svPq2aws2YnntWJoJY7Igc65u90Da3cB6zognPeXt13L5/hm8fqZDE0MO8QS2nvbYM752DV7RoC0R7urfP4oNh2Z4JzrhWAj41nbmNv4aq1/yklVswn1kdqWye4Awt6n7UGhk7B5XjXLbfKu2eZiw1q/uFvF3YjNTeHu3EDb6mjcdQPLyQa7nv09ct53h5rXJeRQ2+UhsUeODI3w46kwPa6b22NG97pACNzggkPEOEd5+O8Ak43FnsS+9UEMOFuGCZzYoGh/uibUaud1bsOnl1QQHgn06d3uF8pm5HiuS4l123vFxs0U72SNlfvf6do66+CDf91vpuynKOaR8y41nzhs2/2TZe73AGvhaGCSF8fqY7Ro6IPxyv6YZ+R8QfXynJbGT5iZ2WG5u8XPYA1jmfLtZqTHD6t3p666ILX4FhOR4XjlXH5/IxZG3Wjjha+vEIo2sjaGtDf1j4eJQSNAQEBAQEBAQEBAQEGj5vgGZ7jF/GlgfLJGXV9emkrerD+gqjk6vqa5qnrti2XD3KcHK23mcQ5ha6U/muOHg4vZ6bDAP8HcsXH2/DFu89paN1MTlr+H5658jJjMdjXXMl7b2NkZLsDYZJGe5q0+BO0AuVvK1xnyziEayx+ZcfuULDLU74zLK4C5DFqW1nEehm7z9IHXzKs4u6t+kSr2RlK+0faGDlFRufy+Rgq45kjhWova5zrLozoQ8gENZqNPiquZzIpmsd3NWu0+i9oMJUGPZjcVj8ZhazToTG39mR4E9NX6/wAnp9+i+e2cibz1l6FazWOkPzxvt/Q4zRuCpmIcnbtTGxPLKfbfIXdNnmA1g8Oq7yNkXxHpgiZ9X21Jx24RVZh3x3ntLI53SR6HUlur5Q78O7UeGuip1xGVkTiFSZD6XeR2b1i03P4SKOeRz2x/MS6MDj0H9F5L6DV9wpWsQ87ZTrlOeBdvavAq8UdjB0MxlQCXZ2GaN53P6OZH7hYWgD7Fh5fPm+cT0W66Q8OWdruT8kzFe3NexsfH4niSzhzbcJZgNDsdo0s/6Wiq0cjXrpM/zrp69G+HEMJFXbV43hK2DfM4i2908ToSP5WrXvd9ngqL7p2dbWSp0Vh3ezXIuF14eNQzQPq5GAvkv1XbvcA9LmnoHagnzXpcHTFoznOGffOIyr/i3EZLmMkyuQd8rBOfbqXXPEXtH9aTR5Zv18PFehv5ERMVjr+CvT1jMsLkF7kEcbeOWMk3JURI10ckbvdDgOjAHjroPh8V2lKR8URiUNlpnonvB+LPvcqoY2GMObhomwl34g69bPrHTw2FyxcrZaaRFfmvOFmqmO/o7VxePgx2OrUa7NkNeNsbGDyAC9fXSK1iI9FFrZnLKU0RAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQcx/ULwO7QzbM/iWETNe65U2t1DnDrPAfscNSAvI2xOndP9F/2lsrbzpj1hQV5z8FmYM9iWf+G5AGWFmpAAcNs9eQg/ibr/AA6rVWv1K+E94UWzVKMRips7BPkb79cReHuQYlsgmtz/AC42tZuAYAId2vUeaybr/RxFe6UdWhsZ/mXDLcuEo5GWCpA5r4mBrSB7jQ8Akg+rQ9QtNddN9fK0dZSi817Pje7XcPTaMzKOv8iP/sLsfbtUejk8mz7/APtjuF55iQ/eyP8A7Kl/j9Xs5HIs+Dux3Ca4ubmJGknU6RxfDTwLF2ODrj0cnkWft/d3uK8EOzDyCdSPah/7ChP2/V7IztmX5d3Y7gu/FlnkfDZHp/A1c/x2r2djbMPkXdfn0RJZlHDXxBjjOv8AdauW+2ap7w79ez67uvz5x3fmR3fH24wP4Ghc/wAZq9ko32arKcoy2dvVJeRWH2q8GoAja0O2agvA008dFbTj11xindG17X7t1frQ0oW8i4/kY5cM0taMdaJc+N3nAYX72u+OoUaTMz42j4vdKvSGJx6u4z2eUTxNLIpNlKs1vSS5KdY2RsGnpj16rm22PhR9XT306cDlp1/zW8zdMwufLK4aGS1KNXn7RGDtVPFrG3Z9T0r0hbutikV9ZXuvVZBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEGo5VxytyDDTY+Yhr3DdXl019uQfhd/6fsVPI0xtpNZT13ms5cbc74ceOZO/jMnC+Pj9uTW1tG40rR/DYj/APlu89F5unbas+E/PX92rZXyjMdpV+2fL8Qs260x9xlqvJHUsscdu2YN0nhePiG9Vv8AGm6PxUZ8W6gkxcXD6TMreZJ8/M+1ca4+7ZIjJY1seupaTp1cssxb6k4jo7jMZaW5xDJR0YsnVY6ejZY6aJruk4iB/G9n8n+cFqpyIzie6E65xlptnUggjT4rVE+yt8LQu93JAFzA/WgR18cB4rmXUgxfD8lOyO1NC2SEMFh1FsrG25IB1L2RuB6EeaxbuRHpOFkUbjnNPHs45jrWK0djZJHGDbCzRmniySTTeJGnxBOh8VXw7W858u63EYRPB4Kxk5HNfOa+MgJluWnn9lCwfi6ebj4NC1798Vz0+KVNYnK6O1nArXKc9SnihdWxNFu3DwPb4R/rWph/Ld5aLydu2dto1V+afmn2aqxFI8pddYnF1cVjoKFUaQwNDWk+JPm4/aT1K9jVrilYrHaGK1pmcstWOCDT5rmHGsJYZXyt+KpNI3fGyQkFzddNQg2VO5Wu1IrdZ4lrztEkUg8HNcNQQg9kBBq7HIsfByGpgX7/AJ65DJYh0bqzZEdHau8ig9MdncZkL1+lUl9yxjJGxXGaEbHvBIGp8egQbBBh3MzjKdyrSs2GRWrriyrC4+qQjqdoQZiAgwMxn8Nha4sZS5FUhcdGulcBuPwaPElBrcJz/iWatinj8gyS24Esgdq17gBqS0OA10CCQoCAg+PkYxu57g1uoGpOg1J0A/SUH1AQEGszPIsfiJ6ENvfvyM4rV9jdw3kF3q+A0CDZoI5b7jcJqWpatjLQR2IHFk0ZJ1a4HQg6BBt8VmcVl63zWMtxXK+u33InBwBHkdEGYgICDWZTkWPxuRx1Czv9/JyOirbW6t3NaXHcfLoEGzQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBBEuf8Bocpx7hta2+xjmRvcPTIw+Mb/sPl8Fj5fF+pGY6Xjsu1bfGfwcl8v4Pb4/HaxeWpvn4/DJubIBrbxr/wCUzX8cJ8/JYNG+fPFvh2R+7RspEx5R2V1luOy4Uw5Da3KYeV26C5G4+zI0nUskLerHnw0PVepXfF48e0s/5dm+zfPKVqlWmpROqX490LIWxR+3HA+Mxlgf4loa46eevVUU4kxaZ9JSteOzw4NgqGSgydzKQtfj6cTWRvfMYB78jtGNDwR5A66pyd86ule7mqIz1fqbg8UvLLeGrWXRU6kLbFizIN3shzA/b/OHq0B81yOXNaRae8mzVmejHwnDLGSyWSx09uKpfxwc0ROGjZZN3ttYHeGrnkBT28rxr5ORpn1bDFcLxh5S7B3ZpTLJVM1UPHtgzBrnFkmnqAG3yVVubNtPlEJ/QjswObcdOOMM9KoG4h0bBHeie6aOR5GjtzzqA7eHAN+xT427zVzrmO7Jg5xi2ux2SFWaPM4uu2tGYnN+XmDG7GGTU7gQB6tPFR/tcZie0zlOt4a7GceyWQpsvZWycdx9hcWWJNRuc873CvGfxl2nkrvqVrPT5kLT1WjwjtzkuVXKdOKi6jx6Da+tjnAiWxp1Fi274HxAP6F5u7ba9/DX1vPr7NNaxX4p7OseKcWocexzK1dodMQPemA03aeDQPJrfIL0uLxa6a4jv6yy7dnnOW6WpWICCD90gDFx/Ua/+LVf+uEGRzTkudxWXwVHExRTPyUkkT45eg/AdriR1AYfUdPggwrOX5vxzM4z85t1sli8pOKrxFF7UleR4JaW6fjb080GVyDkHIbfKI+L8dfHVmjgFq/kpme4ImE6NYxngXO+3og00AzsfdfC180+KezFQtezchGxs0biSdzP1XNPTogkXFc3cvcn5TSlZE2LHTwMrljA1zg9jid5HV3gg0/Jsh3AwtG3l5cxjttXfK3FiLQSRNOu0SO9e/T9CDaR0HZS/i+aSDdHBixJUx7Rq4S2G+446+fpO0INNxvL875NSZlaGax8G9xMmJ9n3DCN2myR/wDSByCxmb9jd+hfoNxHhr56IK549Ur8j7iZ3JZNvzDMM+OpjK0nqZD6dXyAHpucf7iCwDRpGxHZMEfzEQIil2jc0EaEA+I6dEEBi5RybkV29LiMnSw+MpTyVoPmGtklsyR/ic4O/AzX4dUHq3uFkbHbvM5psccOZwxlhnY31xOliI9TNfFr2u6IPxbyHcz8gHJY7VKGKOAW/wAoMRdvi2b9HSnq15Hw6IMDn+azWW49xfIY2aOrTytqg4wyNLniZ72viJ8tjHDUjzQbrkmZ5dxnh82Qu2YL2RZZiDDDFsaYnuALNp/WPhqg2mAj5tNbkv5azWjozx7q2Ljj9cJPVvuSnq46fi+1BHOSZfn/AB7Hy5i3l8dN8tpJLiWxbQ9m7qGSH9progyOeWRZn4bZDdomyMUm0+W6Jx0QT9BUvFOS4fE5blUN+nZsvly0r2ugqSWGhu1o0LmNcAengg2vbNlW5yHkOcxzWVMZafHFHjgWh4kjHqlliadY3O8g4AoM7kL+fVBbvMzWOqRQh8lak6LcJGMBcGve/wBW46H8KDwy/P8AIs7a0uVU4WxWrJgLoHeoet+xzRr8SOiDy5BlO5GDxjuR2LFOSpBtktYZkehbGSNQ2Y9S9oP3IP3zS5C/kfC7jnCOB08kznuOga32HOJJPhoEG1wWdznIcu+7SDa3FoNY4ZXs1luvHQvZu/DEPI+aCVoCAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAg0vJeJYjkFUxXIwJQCI7AA3N18j/KH2FZuRxabo69/dZr2zSXPnM+x2awNma9gZBXbKT70Yb7lGxuOv7aLqWH4kBeTvnbp6Xjyp/VHdqiK7J+Hp+CoMxxXEB5bl6U3HLZ3gW6jTZx0gHg8hvqiBP2LZq5XlHwzmP3QvpnPVhU8BznHM/wDtm7Dfpz6SO+Tnjexxb5Ojk2P1H+CrJvS/S0Sq7dngc1zWrHkormOnfNkiw3LT68gm/Z6BrWybdNo08F22nXaI69nYvLxfyC1Ncu23YmQT342RvcPcBZLG4OEzdGa7t43Kdq0jpmC15w+uvc2ymcgzENCduSiYxkUra0gYCwFocSWgakO8yua9eulfH0cm1ss23xflU8Rl5LlYMZVYQQ23O15Lnkn9nDD7jtR9y5XZSk/DEuRWbd5bXAcVqOmH5JipcvZ3tYMxk2+zTicB0fHB1fICfsWbdy8RPnMY9o7r9XHxPRcfA+w2RydyPL8imfYmbpsnsM2xsH8mCv4Db/Kdoq66tm+MR8FP3lO96Un3s6AwuBxmGqCtRiDG/rvPV7z8XFelx+NTTXFYY77JtOZbBaEBAQEFe91slFHJhKzYLE80F6C3KIK8sobDG/1EuY1zdfs11Qe/I3uyHJ+GX6kUslV0sshk9qRuxroXaGQOaCz/ABtEHv3Jr2Jncd9mF8vt5WB8ntsc/a0Nfq520HQfaUGFl5JeL9wJeQWK00+IytWOCxYgjdKYJoidu5jNXbSPPRB41shPm+52Iy1ejZixUVK1BFbmicwSOOpJ0I1aNRoN2mqD5jqubZk+4j6EckNyZ0JoSuY5oe4Qv6xuIAdp9nmgjBr8atcNnoUMFbt8rmqubZfYglEjZwNXySSv0b0Pht1+wILV4099XhuJdJFIXw46sXw7dJNWwN1btOnq+woK55Ta4xlQ65xyhkKfMS5pqvgrTQP93UAe+SBEW/HUoLaoiyKVcWtPmfbZ7+nhv2jd/Cgr+4cjwvmWQy7aM97jubEb7Bqs9yStYYNpJYPUWu8TogkOB57is3kG0qVW6HFrnOmmrPiiaG+Re8DqUFe43AcU43cv43lmAfZ1syz0Mq2vJYZNDIdwaTHuLXNPTQoN/l6eFl7WZ793MRLRhsRv21hXdHJK8bfWI+rzr9yCR34Zj26khEbzN+VhvtBpL93sAbdumuuvkgiGTxuS/wD1fxOxHUlllxD8fbs1WsPvbIdN4DDo7cPgg2POsvByPgr58VDYmAuVgWGvK1+rZGl3oc0O0b5nTRBJuZNzDuH5FuILxkjWd8v7fSTdp+r/ADtPBBVmSr8YucKsUsHgLVnPmtvtSzV5hJG5g3SOfJIBuf46NbqSgl/K6tqSLhXtwSP9q5A6baxx2AQuBL9B6R96CwUFV8X5PW45luTw5GjeLrWUlngdFTmka6Mta3UODdPFqDL45VzGU5ZnuU06MuLp2aAqUWTt9uSeZvVsro/1dD8UEfwseBdx+WrkMJbyPNZmTMte9BKXOmO71CV2kYj8x1QZmVxuRb2QxlL5aZ9yJ8DZIGxvMgLbB1OwDd9vggmnc+CefguWigjfNK6EhscbS9xOo8GtBJQR7mGDGVscLpWa0stMv0uNY14DWiA9HkD0gkaHVBncXbkuKZ48WnjlnwNrdLg7bWOe2Drq6tI4A7Q39UnogniAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICD45rXNLXAFp6EHqCgjmW7fcZyTnPfW9iR5LnmLQBx06bmODmn+4sG37bpvOceM/gvpyL16KxzX004mw981ZsPzLySJ4d9SQa/awuZr/irJPD5VPlv5fn/AMSnXdT1hpX/AE+ctrwCOhkr8ZHgHXYZ2j9EjGn+FcnVyPWkT+qz6mv3YbewvdHeCc1YA11Ogpj+HVRnXvx/s/8AtH8XfPX/AFfs2Dfp75PZi9u9lMhID4g3Yo2/bqImLsauTPakV/X/ALuxt1x6/skHG/pwwOPnjs2WQ+838TnB1iQ/48h01/xVOvB33x53x+EKb7aZzWFl4bhPHcSAa9b3JW66SzaPcPuGgaP0BbdHA1ausRmfeVdt97ererYpEBAQEBAQEBAQEBA0QEDQa6+aAgIAAA0HQIGiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICD//Z)
Tags : RBI RE EARLY WARNING SIGNALS RED FLAGGING OF ACCOUNTS
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