<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>p.sbc11038b-9d30-47e6-9712-c76362d73861P0 { margin-top: 0; margin-bottom: 0; margin-left: 0; margin-right: 0; text-indent: 0.00in; text-align: justify; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; } span.sbc11038b-9d30-47e6-9712-c76362d73861C0 { color: black; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.sbc11038b-9d30-47e6-9712-c76362d73861C0-000000 { color: #0000FF; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.sbc11038b-9d30-47e6-9712-c76362d73861C0-000001 { color: black; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.sbc11038b-9d30-47e6-9712-c76362d73861000002 { color: black; background: white; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.sbc11038b-9d30-47e6-9712-c76362d73861C0-000003 { color: #0000FF; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    </span><a href="https://sdlegislature.gov/Rules?Rule=20:77:07:03"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000000">20:77:07:03</span></a><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000001">.  Grounds for disciplinary action.</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> The following acts and omissions are grounds for disciplinary action:</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (1)  Prohibiting an appraiser from reporting the fee paid to the appraiser in the body of the appraisal report</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (2)  Using an appraisal report submitted by an independent appraiser, or any data or information contained therein, for any purpose other than its intended use without the appraiser's or the intended end user's written consent, except as necessary to comply with regulatory mandates or legal requirements;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (3)  Failing to meet the requirements for registration established pursuant to this article;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (4)  Procuring or attempting to procure registration under this article by knowingly making a false statement, submitting false information, or making a material misrepresentation in an application filed with the department or procuring or attempting to procure a registration through fraud or misrepresentation;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (5)  Paying money or other valuable consideration other than the fees provided for by this article to any employee of the department to procure a registration;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (6)  Any act which constitutes dishonesty, fraud, or misrepresentation;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (7)  An</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">y</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> owner who </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">owns more than ten percent of the appraisal management company,</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> a designated officer or a controlling person</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> having</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> pled guilty or nolo contendere to or being found guilty of a felony; pled guilty or nolo contendere to or being convicted of a misdemeanor involving mortgage lending or real estate appraising; or having committed an offense involving breach of trust, moral turpitude, fraudulent or dishonest dealings;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (8)  An</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">y</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> owner</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">,</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> who is, in whole or in part, directly or indirectly, a designated officer</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">,</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> or a controlling person,</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> who has had an appraiser license or certificate refused, denied, cancelled, surrendered in lieu of revocation, or revoked in any state for substantive cause</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (9)  Having disciplinary action of the designated officer or a controlling person by any agency of the State of South Dakota or another state or jurisdiction;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (10)  Being permanently or temporarily prohibited by a court of competent jurisdiction from engaging in or continuing to conduct any practice involving appraisal management services or operating an appraisal management company;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (11)  Violating any provision of this article or SDCL chapter </span><a href="https://sdlegislature.gov/Statutes?Statute=36-21D"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000003">36-21D</span></a><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (12)  Being disciplined with suspension, denial, censure, reprimand, or revocation of a registration by another state or jurisdiction;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (13)  Submitting fraudulent documents to another state or jurisdiction to become registered;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (14)  Being disciplined by any agency of the federal government, State of South Dakota, or another state or jurisdiction;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (15)  Failing to comply with a final order of the secretary;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (16)  Voluntary surrender of a registration in lieu of</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> other</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> disciplinary action by another state or jurisdiction;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (17)  Altering, modifying, or otherwise changing a completed requested appraisal report without written consent from the utilized appraiser who prepared the appraisal report;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (18)  </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">F</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">ailing to establish and comply with processes and controls reasonably</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">designed to ensure that the appraisal management company conducts its appraisal management</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">services in accordance with the requirements of subsections 129E(a) through (i) of the Truth in Lending Act (TILA), 15</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">U.S.C. §§</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">1639e(a) through (i)</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> as amended to May 24, 2018, and 12 C.F.R. Part 226 (October 28, 2010)</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (19)</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">  </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">Having an investigation or disciplinary action of an appraisal management company, the designated officer or a controlling person by the department or another state pending in this state or</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">another state;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (20)</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">  </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">Failing to comply with a final order of the secretary;</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (21)</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">  </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">Having any owner, designated officer or controlling person fail to demonstrate good</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">moral character; or</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    (22)</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">  </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">Failing to register as an appraisal management company as required to perform appraisal</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">management services.</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000001">Source:</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> 38 SDR 40, effective September 20, 2011; 45 SDR 45, effective October 8, 2018</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">; 49 SDR 25, effective September 18, 2022</span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">.</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000001">General Authority:</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=36-21D-4"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000003">36-21D-4</span></a><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">(7)</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">    </span><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000001">Law Implemented:</span><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=36-21D-1"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000003">36-21D-1</span></a><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">, </span><a href="https://sdlegislature.gov/Statutes?Statute=36-21D-4"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000003">36-21D-4</span></a><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">(7), </span><a href="https://sdlegislature.gov/Statutes?Statute=36-21D-1"><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0-000003">36-21D-1</span></a><span style="white-space: pre-wrap;" class="sbc11038b-9d30-47e6-9712-c76362d73861C0">0.</span></p><p dir="ltr" class="sbc11038b-9d30-47e6-9712-c76362d73861P0"><span style="white-space: pre-wrap;" xml:space="preserve" class="sbc11038b-9d30-47e6-9712-c76362d73861000002"> </span></p></div></body></html>