<html xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=us-ascii">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Aptos;}
@font-face
{font-family:"Aptos Narrow";}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin-top:0in;
margin-right:0in;
margin-bottom:6.0pt;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
a:link, span.MsoHyperlink
{color:blue;
border:none windowtext 1.0pt;
padding:0in;
text-decoration:underline;}
span.EmailStyle151
{mso-style-type:personal-compose;
font-family:"Times New Roman",serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;
mso-ligatures:none;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:24452196;
mso-list-template-ids:1289881854;}
@list l0:level1
{mso-level-number-format:alpha-upper;
mso-level-style-link:"Bullet--Topic--L1 \(Underline\)";
mso-level-tab-stop:.25in;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;}
@list l0:level2
{mso-level-style-link:"Bullet--Topic--L2 \(Number\)";
mso-level-text:"%2\)";
mso-level-tab-stop:.5in;
mso-level-number-position:left;
margin-left:.5in;
text-indent:-.25in;}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Topic--L3 \(Bullet\)";
mso-level-text:\2022;
mso-level-tab-stop:.75in;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:"Aptos Narrow",sans-serif;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Topic--L4;
mso-level-text:\F02D;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Topic--L5;
mso-level-text:\F03D;
mso-level-tab-stop:1.25in;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Topic--L6;
mso-level-text:\F0BA;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level7
{mso-level-tab-stop:1.75in;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;}
@list l0:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l0:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:2.25in;
mso-level-number-position:right;
margin-left:2.25in;
text-indent:-.25in;}
@list l1
{mso-list-id:413549227;
mso-list-template-ids:-486916890;}
@list l1:level1
{mso-level-style-link:"List--Plain 1";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;}
@list l1:level2
{mso-level-number-format:alpha-lower;
mso-level-style-link:"List--Plain 2";
mso-level-text:"%2\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;}
@list l1:level3
{mso-level-number-format:roman-lower;
mso-level-style-link:"List--Plain 3";
mso-level-text:"%3\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-9.0pt;}
@list l1:level4
{mso-level-number-format:bullet;
mso-level-style-link:"List--Plain--Bullet 1";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l1:level5
{mso-level-number-format:bullet;
mso-level-style-link:"List--Plain--Bullet 2";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.75in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l1:level6
{mso-level-number-format:bullet;
mso-level-style-link:"List--Plain--Bullet 3";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.25in;
text-indent:-9.0pt;
font-family:Symbol;}
@list l1:level7
{mso-level-number-format:bullet;
mso-level-style-link:"List--Plain--Bullet 4";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l1:level8
{mso-level-number-format:none;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.25in;
text-indent:-.25in;}
@list l1:level9
{mso-level-number-format:none;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:4.75in;
text-indent:-9.0pt;}
@list l2
{mso-list-id:459686028;
mso-list-template-ids:1735917568;}
@list l2:level1
{mso-level-style-link:"Level 1--A--Normal";
mso-level-text:"%1\)";
mso-level-tab-stop:.25in;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;}
@list l2:level2
{mso-level-number-format:alpha-lower;
mso-level-style-link:"Level 2--A--Normal";
mso-level-text:"%2\)";
mso-level-tab-stop:.5in;
mso-level-number-position:left;
margin-left:.5in;
text-indent:-.25in;}
@list l2:level3
{mso-level-number-format:roman-lower;
mso-level-style-link:"Level 3--A--Normal";
mso-level-text:"%3\)";
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;}
@list l2:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Level 3--List";
mso-level-text:\F0B7;
mso-level-tab-stop:67.5pt;
mso-level-number-position:left;
margin-left:67.5pt;
text-indent:-.25in;
font-family:Symbol;}
@list l2:level5
{mso-level-number-format:bullet;
mso-level-style-link:"Level 3--List--Subpoint 1";
mso-level-text:\F02D;
mso-level-tab-stop:1.25in;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l2:level6
{mso-level-number-format:bullet;
mso-level-style-link:"Level 3--List--Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:1.75in;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l2:level7
{mso-level-number-format:bullet;
mso-level-style-link:"Level 3--List--Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:1.75in;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l2:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l2:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;}
@list l3
{mso-list-id:517504162;
mso-list-template-ids:-2039714422;}
@list l3:level1
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Indent--Red--Start;
mso-level-text:\F0B7;
mso-level-tab-stop:.25in;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l3:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Red--Subpoint 1";
mso-level-text:-;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l3:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Red--Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:.75in;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l3:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Red--Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l3:level5
{mso-level-number-format:none;
mso-level-text:"";
mso-level-tab-stop:1.25in;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;}
@list l3:level6
{mso-level-number-format:none;
mso-level-text:"";
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;}
@list l3:level7
{mso-level-number-format:none;
mso-level-text:"";
mso-level-tab-stop:1.75in;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l3:level8
{mso-level-number-format:none;
mso-level-text:%8;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;}
@list l3:level9
{mso-level-number-format:none;
mso-level-text:%9;
mso-level-tab-stop:2.25in;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;}
@list l4
{mso-list-id:624386769;
mso-list-template-ids:-322508224;}
@list l4:level1
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Start;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l4:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Subpoint 1";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l4:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l4:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l4:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:"Courier New";}
@list l4:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.75in;
text-indent:-.25in;
font-family:Wingdings;}
@list l4:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l4:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.75in;
text-indent:-.25in;
font-family:"Courier New";}
@list l4:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.25in;
text-indent:-.25in;
font-family:Wingdings;}
@list l5
{mso-list-id:626354814;
mso-list-template-ids:-118054454;}
@list l5:level1
{mso-level-number-format:bullet;
mso-level-style-link:Bullet\2014Indent\2014Blue\2014Start;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l5:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet\2014Indent\2014Blue\2014Subpoint 1";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l5:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet\2014Indent\2014Blue\2014Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l5:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet\2014Indent\2014Blue\2014Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l5:level5
{mso-level-number-format:none;
mso-level-text:"";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;}
@list l5:level6
{mso-level-number-format:none;
mso-level-text:"";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;}
@list l5:level7
{mso-level-number-format:none;
mso-level-text:%7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l5:level8
{mso-level-number-format:none;
mso-level-text:%8;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;}
@list l5:level9
{mso-level-number-format:none;
mso-level-text:%9;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;}
@list l6
{mso-list-id:670257929;
mso-list-template-ids:-91161624;}
@list l6:level1
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Indent--Green--Start;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l6:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Green--Subpoint 1";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l6:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Green--Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l6:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Green--Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l6:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l6:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:Wingdings;}
@list l6:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l6:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:"Courier New";}
@list l6:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;
font-family:Wingdings;}
@list l7
{mso-list-id:802310293;
mso-list-template-ids:873519294;}
@list l7:level1
{mso-level-number-format:none;
mso-level-style-link:"List--Simple Three--1";
mso-level-text:%1;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:0in;
text-indent:0in;}
@list l7:level2
{mso-level-style-link:"List--Simple Three--2";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;}
@list l7:level3
{mso-level-number-format:alpha-upper;
mso-level-style-link:"List--Simple Three--3";
mso-level-text:"%3\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.5in;
text-indent:-.25in;}
@list l7:level4
{mso-level-text:"\(%4\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;}
@list l7:level5
{mso-level-number-format:alpha-lower;
mso-level-text:"\(%5\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;}
@list l7:level6
{mso-level-number-format:roman-lower;
mso-level-text:"\(%6\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;}
@list l7:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;}
@list l7:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l7:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;}
@list l8
{mso-list-id:840704456;
mso-list-template-ids:637699644;}
@list l8:level1
{mso-level-style-link:"5--CUSTOM--EM List 2";
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l8:level2
{mso-level-number-format:bullet;
mso-level-style-link:"6--CUSTOM--EM List 2";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l8:level3
{mso-level-number-format:bullet;
mso-level-style-link:"7--CUSTOM--EM List 2";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l8:level4
{mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l8:level5
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l8:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-.25in;}
@list l8:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l8:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l8:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-.25in;}
@list l9
{mso-list-id:1356884243;
mso-list-template-ids:735358090;}
@list l9:level1
{mso-level-number-format:alpha-upper;
mso-level-style-link:"Bullet--LETTER First--L1";
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l9:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--LETTER First--L2";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l9:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--LETTER First--L3";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-9.0pt;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l9:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--LETTER First--L4";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l9:level5
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--LETTER First--L5";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l9:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-9.0pt;}
@list l9:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l9:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l9:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-9.0pt;}
@list l10
{mso-list-id:1396047928;
mso-list-template-ids:81042744;}
@list l10:level1
{mso-level-number-format:bullet;
mso-level-style-link:Bullet--Indent--Black--Start;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l10:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Black--Subpoint 1";
mso-level-text:-;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;
font-family:"Courier New";
mso-bidi-font-family:"Times New Roman";}
@list l10:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Black--Subpoint 2";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l10:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Indent--Black--Subpoint 3";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l10:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.5in;
text-indent:-.25in;
font-family:"Courier New";}
@list l10:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.0in;
text-indent:-.25in;
font-family:Wingdings;}
@list l10:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l10:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.0in;
text-indent:-.25in;
font-family:"Courier New";}
@list l10:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.5in;
text-indent:-.25in;
font-family:Wingdings;}
@list l11
{mso-list-id:1525170890;
mso-list-type:hybrid;
mso-list-template-ids:-199457924 -2004422048 1200678360 1783540830 -1861331350 -893487956 67698715 67698703 67698713 67698715;}
@list l11:level1
{mso-level-style-link:"Bullet--Number First--Indent";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;}
@list l11:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--Indent--L2";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l11:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--Indent--L3";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:153.0pt;
text-indent:-.25in;
font-family:Symbol;}
@list l11:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--Indent--L4";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l11:level5
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--Indent--L5";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l11:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:3.5in;
text-indent:-9.0pt;}
@list l11:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.0in;
text-indent:-.25in;}
@list l11:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.5in;
text-indent:-.25in;}
@list l11:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:5.0in;
text-indent:-9.0pt;}
@list l12
{mso-list-id:1640302336;
mso-list-template-ids:-337217004;}
@list l12:level1
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--A--L1";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l12:level2
{mso-level-style-link:"Bullet--Number Follows--A--L2";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;}
@list l12:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--A--L3";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l12:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--A--L4";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l12:level5
{mso-level-number-format:bullet;
mso-level-reset-level:level1;
mso-level-style-link:"Bullet--Number Follows--A--L5";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l12:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.25in;
text-indent:-.25in;
font-family:Wingdings;}
@list l12:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l12:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.25in;
text-indent:-.25in;
font-family:"Courier New";}
@list l12:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.75in;
text-indent:-.25in;
font-family:Wingdings;}
@list l13
{mso-list-id:1651592816;
mso-list-template-ids:1680791146;}
@list l13:level1
{mso-level-style-link:"1--CUSTOM--EM Number List";
mso-level-text:"%1\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level2
{mso-level-number-format:alpha-lower;
mso-level-style-link:"2--CUSTOM--EM Number List";
mso-level-text:"%2\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level3
{mso-level-number-format:bullet;
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l13:level4
{mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level5
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-.25in;}
@list l13:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;}
@list l13:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
text-indent:-.25in;}
@list l14
{mso-list-id:1749572941;
mso-list-type:hybrid;
mso-list-template-ids:439514790 1882361564 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l14:level1
{mso-level-number-format:bullet;
mso-level-style-link:"4--CUSTOM--EM Number List";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l14:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;
font-family:"Courier New";}
@list l14:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-.25in;
font-family:Wingdings;}
@list l14:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l14:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.5in;
text-indent:-.25in;
font-family:"Courier New";}
@list l14:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.0in;
text-indent:-.25in;
font-family:Wingdings;}
@list l14:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l14:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.0in;
text-indent:-.25in;
font-family:"Courier New";}
@list l14:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.5in;
text-indent:-.25in;
font-family:Wingdings;}
@list l15
{mso-list-id:1757901161;
mso-list-type:hybrid;
mso-list-template-ids:-394728812 583272806 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l15:level1
{mso-level-number-format:bullet;
mso-level-style-link:"3--CUSTOM--EM Number List";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l15:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:"Courier New";}
@list l15:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:Wingdings;}
@list l15:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l15:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.25in;
text-indent:-.25in;
font-family:"Courier New";}
@list l15:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.75in;
text-indent:-.25in;
font-family:Wingdings;}
@list l15:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l15:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.75in;
text-indent:-.25in;
font-family:"Courier New";}
@list l15:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.25in;
text-indent:-.25in;
font-family:Wingdings;}
@list l16
{mso-list-id:1861771090;
mso-list-template-ids:894095448;}
@list l16:level1
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--B--\(Indent\)--L1";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l16:level2
{mso-level-style-link:"Bullet--Number Follows--B--\(Indent\)--L2";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l16:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--B--\(Indent\)--L3";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.5in;
text-indent:-9.0pt;
font-family:Symbol;}
@list l16:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number Follows--B--\(Indent\)--L4";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.0in;
text-indent:-.25in;
font-family:Symbol;}
@list l16:level5
{mso-level-number-format:bullet;
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.5in;
text-indent:-.25in;
font-family:Symbol;}
@list l16:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:4.0in;
text-indent:-9.0pt;}
@list l16:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:4.5in;
text-indent:-.25in;}
@list l16:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:5.0in;
text-indent:-.25in;}
@list l16:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:5.5in;
text-indent:-9.0pt;}
@list l17
{mso-list-id:2047481686;
mso-list-template-ids:410137050;}
@list l17:level1
{mso-level-style-link:"Bullet--Number First--L1";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;}
@list l17:level2
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--L2";
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l17:level3
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--L3";
mso-level-text:\F02D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-9.0pt;
font-family:Symbol;}
@list l17:level4
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--L4";
mso-level-text:\F03D;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;
font-family:Symbol;}
@list l17:level5
{mso-level-number-format:bullet;
mso-level-style-link:"Bullet--Number First--L5";
mso-level-text:\F0BA;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;
font-family:Symbol;}
@list l17:level6
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:2.75in;
text-indent:-9.0pt;}
@list l17:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.25in;
text-indent:-.25in;}
@list l17:level8
{mso-level-number-format:alpha-lower;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:3.75in;
text-indent:-.25in;}
@list l17:level9
{mso-level-number-format:roman-lower;
mso-level-tab-stop:none;
mso-level-number-position:right;
margin-left:4.25in;
text-indent:-9.0pt;}
@list l18
{mso-list-id:2051571283;
mso-list-template-ids:1041500490;}
@list l18:level1
{mso-level-style-link:Legal--1--Section;
mso-level-text:"SECTION %1";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.25in;
text-indent:-.25in;
mso-ansi-font-size:14.0pt;
mso-ansi-font-weight:bold;
mso-ansi-font-style:normal;}
@list l18:level2
{mso-level-number-format:alpha-upper;
mso-level-style-link:Legal--2--Subsection;
mso-level-text:"%2\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.5in;
text-indent:-.25in;}
@list l18:level3
{mso-level-style-link:"Legal--3--Paragraph 1";
mso-level-text:"%1\.%3";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:.75in;
text-indent:-.25in;}
@list l18:level4
{mso-level-number-format:alpha-lower;
mso-level-style-link:"Legal--4--Paragraph 2";
mso-level-text:"%4\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.0in;
text-indent:-.25in;}
@list l18:level5
{mso-level-number-format:roman-lower;
mso-level-style-link:"Legal--5--Paragraph 3";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.25in;
text-indent:-.25in;}
@list l18:level6
{mso-level-number-format:roman-lower;
mso-level-style-link:"Legal--6--Paragraph 4";
mso-level-text:"\(%6\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.5in;
text-indent:-.25in;}
@list l18:level7
{mso-level-style-link:"Legal--7--Paragraph 5";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:1.75in;
text-indent:-.25in;}
@list l18:level8
{mso-level-number-format:alpha-lower;
mso-level-style-link:"Legal--8--Paragraph 6";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.0in;
text-indent:-.25in;}
@list l18:level9
{mso-level-number-format:roman-lower;
mso-level-style-link:"Legal--9--Paragraph 7";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:2.25in;
text-indent:-.25in;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style>
</head>
<body lang="EN-US" link="blue" vlink="#954F72" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal">Hi, Listmates.<o:p></o:p></p>
<p class="MsoNormal">I’m a little behind the times on this question. When they were making changes to the WA exemptions around 2020, I was away from the law and wasn’t paying much attention. This was probably discussed and commented on at the time, but it was
off my radar.<o:p></o:p></p>
<p class="MsoNormal">I’m prepping a BK petition for a client, he has about 3,000 in the bank account. I’d like to apply the WA wild-card exemption in
<a href="https://app.leg.wa.gov/RCW/default.aspx?cite=6.15.010"><span style="border:none">6.15.010(d)(ii)</span></a> to it, which is now up to 10,000 for “any personal property”. <o:p></o:p></p>
<p class="MsoNormal">BUT—the statute makes an exception for “except personal earnings as provided under RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=6.15.050">6.15.050</a>(1)”, which in turn says “Wages, salary, compensation can only be exempted
in BK to the same extent as under the garnishment statutes”. The garnishment statute allows a debtor to exempt 50/75/80% of their earnings per week, depending on the category of debt.<o:p></o:p></p>
<p class="MsoNormal">So—does this mean my client similarly can only exempt 50/75/80% of the money in his bank account in the BK, given that it all comes from wages originally? That seems incongruous with the overall structure of BK and garnishment—it doesn’t
seem like they should intersect in this way. Since the BK is eliminating the debt, it would also eliminate the right to garnish, so why create this connection and limitation? But the language is there, and the meaning is unclear to me.
<o:p></o:p></p>
<p class="MsoNormal">Just wanting to make sure I don’t hear a bear trap snap shut on my clients’ ankle...<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><a name="_Hlk52442782">Best Regards,<o:p></o:p></a></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782">Dave Culbertson<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><b>The Law Office of Davisson Culbertson</b></span><span style="mso-bookmark:_Hlk52442782"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782">PO 20403<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782">Seattle, WA 98102<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><i><o:p> </o:p></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><i>Phone:
</i></span><span style="mso-bookmark:_Hlk52442782">(206) 478-8134<i><o:p></o:p></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"><i>FAX:
</i></span><span style="mso-bookmark:_Hlk52442782">(866) 867-7796<i><o:p></o:p></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="mso-bookmark:_Hlk52442782"></span><a href="mailto:dculbertson@culbertsonlawoffice.com" target="_blank"><span style="mso-bookmark:_Hlk52442782"><i>dculbertson@culbertsonlawoffice.com</i></span><span style="mso-bookmark:_Hlk52442782"></span></a><span style="mso-bookmark:_Hlk52442782"><o:p></o:p></span></p>
<span style="mso-bookmark:_Hlk52442782"></span>
<p class="MsoNormal" style="margin-bottom:0in"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>