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(6103\(e\) )Tj 0.0265 Tc 12.8 0 0 12.8 265.3825 693.06 Tm (\(1\) )Tj 0.0478 Tc 1.687 0 Td (\(A\), )Tj /T1_1 1 Tf 0.05 Tc 12.7764 0 0 12.6 323.118 693.06 Tm (\(e\) )Tj /T1_0 1 Tf 14.5821 0 0 12.8 345.2806 693.06 Tm (\(7\), )Tj 15.1871 0 0 12.8 378.5956 693.06 Tm (permits )Tj 15.2999 0 0 12.8 437.5752 693.06 Tm (the )Tj 15.2371 0 0 12.8 465.8943 693.06 Tm (Service )Tj 15.4247 0 0 12.8 524.6948 693.06 Tm (to )Tj 0.0305 Tc 12.8 0 0 12.8 68.2281 679.86 Tm (make )Tj 0.05 Tc 13.4322 0 0 12.8 106.6383 679.86 Tm ("income )Tj 16.4838 0 0 12.8 163.019 679.86 Tm (verification" )Tj 15.9156 0 0 12.8 264.9015 679.86 Tm (disclosures )Tj 17.0569 0 0 12.8 352.0101 679.86 Tm (directly )Tj 15.4247 0 0 12.8 418.1348 679.86 Tm (to )Tj 0 Tc 12.8 0 0 12.8 439.1631 679.86 Tm (a )Tj 0.05 Tc 15.4334 0 0 12.8 69.4148 666.66 Tm (taxpayer/loan )Tj 16.1104 0 0 12.8 170.3277 666.66 Tm (applicant--not )Tj 15.7157 0 0 12.8 279.894 666.66 Tm (to )Tj 0 Tc 12.8 0 0 12.8 300.9231 666.66 Tm (a )Tj 0.05 Tc 15.8903 0 0 12.8 316.038 666.66 Tm (lender--so )Tj 14.437 0 0 12.8 396.211 666.66 Tm (long )Tj 15.156 0 0 12.8 431.6979 666.66 Tm (as )Tj 14.2277 0 0 12.8 453.7316 666.66 Tm (such )Tj 15.9643 0 0 12.8 68.581 653.7 Tm (disclosures )Tj 13.6275 0 0 12.8 155.354 653.7 Tm (would )Tj 15.3745 0 0 12.8 199.273 653.7 Tm (not )Tj 16.0894 0 0 12.8 229.0643 653.7 Tm (seriously )Tj 14.8688 0 0 12.8 301.4093 653.7 Tm (impair )Tj 15.083 0 0 12.8 352.1071 653.7 Tm (Federal )Tj 15.8464 0 0 12.8 410.6936 653.7 Tm (tax )Tj 15.776 0 0 12.8 68.5713 640.5 Tm (administration. )Tj EMC /LI_Label <>BDC 14.1528 0 0 12.8 105.2879 614.1 Tm (3. )Tj EMC /LI_Title <>BDC 15.0323 0 0 12.8 141.8277 614.1 Tm (I.R.C. )Tj 0 Tc 12 0 0 12 191.5858 614.1 Tm (\247 )Tj 0.05 Tc 13.7572 0 0 12.8 206.0827 614.1 Tm (6103\(c\) )Tj 15.1626 0 0 12.8 262.9155 614.1 Tm (provides )Tj 16.6357 0 0 12.8 329.3313 614.1 Tm (that )Tj 15.6642 0 0 12.8 365.5741 614.1 Tm (the )Tj 15.1635 0 0 12.8 394.3757 614.1 Tm (Service )Tj 0.0261 Tc 12.8 0 0 12.8 451.2681 614.1 Tm (may, )Tj 0.05 Tc 15.7745 0 0 12.8 488.5089 614.1 Tm (subject )Tj 16.0068 0 0 12.8 68.9331 601.14 Tm (to )Tj 14.9045 0 0 12.8 90.3116 601.14 Tm (requirements )Tj 13.9431 0 0 12.8 184.7509 601.14 Tm (and )Tj 15.4149 0 0 12.8 214.0219 601.14 Tm (conditions )Tj 15.854 0 0 12.8 292.9163 601.14 Tm (prescribed )Tj 16.2792 0 0 12.8 374.117 601.14 Tm (in )Tj 14.0878 0 0 12.8 395.7362 601.14 Tm (implementing )Tj 15.9429 0 0 12.8 68.4696 587.94 Tm (regulations, )Tj 16.1169 0 0 12.8 162.6595 587.94 Tm (disclose )Tj 16.0016 0 0 12.8 228.5495 587.94 Tm (returns )Tj 13.7864 0 0 12.8 286.0326 587.94 Tm (and )Tj 16.2993 0 0 12.8 315.189 587.94 Tm (return )Tj 15.0898 0 0 12.8 366.4474 587.94 Tm (information )Tj 15.0212 0 0 12.8 454.6073 587.94 Tm ("to )Tj 14.3503 0 0 12.8 482.0498 587.94 Tm (such )Tj 14.9484 0 0 12.8 67.7953 574.98 Tm (person )Tj 16.1372 0 0 12.8 118.9769 574.98 Tm (or )Tj 14.9955 0 0 12.8 140.5154 574.98 Tm (persons )Tj 15.156 0 0 12.8 199.1379 574.98 Tm (as )Tj 15.2999 0 0 12.8 221.5752 574.98 Tm (the )Tj 14.9578 0 0 12.8 250.3762 574.98 Tm (taxpayer )Tj 0.0047 Tc 12.8 0 0 12.8 314.4682 574.98 Tm (may )Tj 0.05 Tc 15.5657 0 0 12.8 343.8649 574.98 Tm (designate )Tj 16.5752 0 0 12.8 417.0743 574.98 Tm (in )Tj 0 Tc 12.8 0 0 12.8 438.4431 574.98 Tm (a )Tj 0.05 Tc 16.2071 0 0 12.8 452.2292 574.98 Tm (written )Tj 15.5242 0 0 12.8 68.2304 562.02 Tm (request )Tj 15.873 0 0 12.8 126.8763 562.02 Tm (for )Tj 15.859 0 0 12.8 155.2197 562.02 Tm (or )Tj 14.8382 0 0 12.8 177.3078 562.02 Tm (consent )Tj 15.7157 0 0 12.8 235.734 562.02 Tm (to )Tj 14.2277 0 0 12.8 257.4116 562.02 Tm (such )Tj 16.1829 0 0 12.8 292.9788 562.02 Tm (disclosure," )Tj 14.446 0 0 12.8 387.9684 562.02 Tm (so )Tj 14.5626 0 0 12.8 409.8899 562.02 Tm (long )Tj 15.156 0 0 12.8 445.3779 562.02 Tm (as )Tj 14.3503 0 0 12.8 467.4098 562.02 Tm (such )Tj 16.242 0 0 12.8 67.8463 549.78 Tm (aisclosure )Tj 13.6275 0 0 12.8 147.434 549.78 Tm (would )Tj 0.0359 Tc 12.8 0 0 12.8 188.8244 549.78 Tm (-not-)Tj 0.05 Tc 12.9082 0 0 12.8 221.1909 549.78 Tm (serio-us1y--)Tj 14.8104 0 0 12.8 293.4899 549.78 Tm (impaif-P-ederal )Tj -0.0296 Tc 12.8 0 0 12.8 400.9844 549.78 Tm (-t-ax )Tj 0.05 Tc 13.9297 0 0 12.8 430.991 549.78 Tm (a-dnifni-stration. )Tj EMC /LI_Label <>BDC 0 Tc 12.8 0 0 12.8 140.77 523.14 Tm (\225 )Tj EMC /LI_Title <>BDC 0.05 Tc 13.1464 0 0 12.8 177.3618 523.14 Tm (Income )Tj 16.8315 0 0 12.8 227.3381 523.14 Tm (verification )Tj 16.013 0 0 12.8 321.7805 523.14 Tm (disclosures )Tj 16.0068 0 0 12.8 409.4931 523.14 Tm (to )Tj 14.1603 0 0 12.8 139.7447 509.94 Tm (mortgage )Tj 15.446 0 0 12.8 206.602 509.94 Tm (lenders )Tj 15.1626 0 0 12.8 263.3956 509.94 Tm (pursuant )Tj 16.0068 0 0 12.8 329.5731 509.94 Tm (to )Tj 15.1228 0 0 12.8 351.347 509.94 Tm (I.R.C. )Tj 0 Tc 12 0 0 12 401.3458 509.94 Tm (\247 )Tj 0.05 Tc 13.6863 0 0 12.8 415.6036 509.94 Tm (6103\(c\) )Tj EMC /P <>BDC -0.035 Tc 12.7828 0 0 12.8 103.51 484.26 Tm (As )Tj 0 Tc 12.8 0 0 12.8 125.4831 484.26 Tm (a )Tj 0.05 Tc 15.539 0 0 12.8 139.7413 484.26 Tm (matter )Tj 15.3025 0 0 12.8 191.2253 484.26 Tm (of )Tj 18.9125 0 0 12.8 213.183 484.26 Tm (strict )Tj 16.0395 0 0 12.8 264.1967 484.26 Tm (legal )Tj 16.6491 0 0 12.8 307.3937 484.26 Tm (interpretation, )Tj 15.4821 0 0 12.8 423.6546 484.26 Tm (the )Tj 16.4534 0 0 12.8 451.5569 484.26 Tm (plain )Tj 14.312 0 0 12.8 68.1321 471.3 Tm (language )Tj 15.5808 0 0 12.8 132.9025 471.3 Tm (of )Tj 16.0064 0 0 12.8 154.9055 471.3 Tm (section )Tj 13.7572 0 0 12.8 213.5227 471.3 Tm (6103\(c\) )Tj 13.7864 0 0 12.8 270.6726 471.3 Tm (and )Tj 14.2062 0 0 12.8 299.9752 471.3 Tm (implementing )Tj 14.7662 0 0 12.8 394.0459 471.3 Tm (Treasury )Tj 15.8908 0 0 12.8 459.1897 471.3 Tm (regulations )Tj 15.7396 0 0 12.8 67.1317 458.34 Tm (authorizes )Tj 15.4821 0 0 12.8 147.8946 458.34 Tm (the )Tj 15.2371 0 0 12.8 176.4543 458.34 Tm (Service )Tj 15.7157 0 0 12.8 235.014 458.34 Tm (to )Tj 15 0 0 12.8 255.7154 458.34 Tm (provide )Tj 13.3844 0 0 12.8 314.3824 458.34 Tm (income )Tj 16.7849 0 0 12.8 364.6182 458.34 Tm (verification )Tj 15.0898 0 0 12.8 459.3274 458.34 Tm (information )Tj 16.0068 0 0 12.8 67.7331 445.38 Tm (to )Tj 0 Tc 12.8 0 0 12.8 89.0031 445.38 Tm (a )Tj 0.05 Tc 15.644 0 0 12.8 103.8802 445.38 Tm (lender )Tj 15.226 0 0 12.8 153.9556 445.38 Tm (pursuant )Tj 16.0068 0 0 12.8 220.3731 445.38 Tm (to )Tj 0 Tc 12.8 0 0 12.8 241.4031 445.38 Tm (a )Tj 0.05 Tc 16.4271 0 0 12.8 255.6591 445.38 Tm (valid )Tj 16.0064 0 0 12.8 299.6255 445.38 Tm (section )Tj 13.8282 0 0 12.8 358.0018 445.38 Tm (6103\(c\) )Tj 14.6941 0 0 12.8 415.6293 445.38 Tm (consent )Tj 13.2942 0 0 12.8 473.9462 445.38 Tm (from )Tj 15.4821 0 0 12.8 510.0547 445.38 Tm (the )Tj 15.4732 0 0 12.8 67.7347 432.66 Tm (taxpayer/loan )Tj 16.0591 0 0 12.8 168.6483 432.66 Tm (applicant. )Tj EMC /StyleSpan <>BDC 0 Tc 8.9 0 0 8.9 241.4826 437.46 Tm (2 )Tj EMC /P <>BDC 0.05 Tc 12.9261 0 0 12.8 102.9937 406.5 Tm (However, )Tj 13.3088 0 0 12.8 169.183 406.5 Tm (income )Tj 16.8315 0 0 12.8 218.9381 406.5 Tm (verification )Tj 15.9643 0 0 12.8 313.621 406.5 Tm (disclosures )Tj 15.7157 0 0 12.8 401.334 406.5 Tm (to )Tj 15.3703 0 0 12.8 422.8427 406.5 Tm (lenders )Tj 14.7968 0 0 12.8 479.6308 406.5 Tm (based )Tj 13.2867 0 0 12.8 523.6457 406.5 Tm (on )Tj 16.0064 0 0 12.8 67.0655 393.54 Tm (section )Tj 13.8282 0 0 12.8 125.4418 393.54 Tm (6103\(c\) )Tj 14.9565 0 0 12.8 183.3066 393.54 Tm (consents )Tj 15.1528 0 0 12.8 248.5868 393.54 Tm (obtained )Tj 13.4078 0 0 12.8 313.8649 393.54 Tm (from )Tj 15.0101 0 0 12.8 350.3659 393.54 Tm (loan )Tj 15.7756 0 0 12.8 386.0913 393.54 Tm (applicants )Tj 15.156 0 0 12.8 465.2979 393.54 Tm (as )Tj 0 Tc 12.8 0 0 12.8 487.1631 393.54 Tm (a )Tj 0.05 Tc 15.9504 0 0 12.8 66.7896 380.58 Tm (routine )Tj 16.0577 0 0 12.8 125.1448 380.58 Tm (step )Tj 16.5752 0 0 12.8 161.4743 380.58 Tm (in )Tj 15.6642 0 0 12.8 183.4141 380.58 Tm (the )Tj 14.8807 0 0 12.8 212.607 380.58 Tm (loan )Tj 16.0294 0 0 12.8 248.0886 380.58 Tm (application )Tj 15.3846 0 0 12.8 334.6758 380.58 Tm (process, )Tj 15.964 0 0 12.8 400.2493 380.58 Tm (are )Tj 15.3975 0 0 12.8 428.9417 380.58 Tm (vulnerable )Tj 15.7157 0 0 12.8 509.574 380.58 Tm (to )Tj 15.2926 0 0 12.8 66.6632 367.86 Tm (challenge )Tj 13.2867 0 0 12.8 139.1657 367.86 Tm (on )Tj 15.9734 0 0 12.8 161.5732 367.86 Tm (three )Tj 14.4354 0 0 12.8 204.451 367.86 Tm (grounds. )Tj EMC /LI_Label <>BDC 14.823 0 0 12.8 102.7789 341.94 Tm (1. )Tj EMC /LI_Title <>BDC 17.7594 0 0 12.8 131.527 341.94 Tm (Strict )Tj 14.2104 0 0 12.8 182.5943 341.94 Tm (compliance )Tj 14.9879 0 0 12.8 261.6715 341.94 Tm (with )Tj 15.4821 0 0 12.8 298.8547 341.94 Tm (the )Tj 17.2455 0 0 12.8 327.6874 341.94 Tm (statute )Tj 13.9431 0 0 12.8 385.3909 341.94 Tm (and )Tj 15.8971 0 0 12.8 414.5497 341.94 Tm (regulations. )Tj 12.9052 0 0 12.8 515.2628 341.94 Tm (The )Tj EMC /P <>BDC 15.1635 0 0 12.8 73.4957 328.98 Tm (Service )Tj 0.0047 Tc 12.8 0 0 12.8 130.8681 328.98 Tm (may )Tj 0.05 Tc 15.1998 0 0 12.8 160.1533 328.98 Tm (not )Tj 14.2343 0 0 12.8 189.1929 328.98 Tm (honor )Tj 0 Tc 12.8 0 0 12.8 233.0031 328.98 Tm (a )Tj 0.05 Tc 15.1508 0 0 12.8 247.3155 328.98 Tm (purported )Tj 15.0846 0 0 12.8 320.4558 328.98 Tm (taxpayer )Tj 14.6941 0 0 12.8 385.6293 328.98 Tm (consent )Tj 16.4898 0 0 12.8 443.5717 328.98 Tm (that )Tj 14.1105 0 0 12.8 478.9994 328.98 Tm (does )Tj 15.3745 0 0 12.8 514.873 328.98 Tm (not )Tj 13.8093 0 0 12.8 65.3456 316.26 Tm (meet )Tj 16.521 0 0 12.8 102.1754 316.26 Tm (detailed )Tj 14.8629 0 0 12.8 167.8317 316.26 Tm (requirements )Tj 13.9431 0 0 12.8 261.7909 316.26 Tm (and )Tj 15.5195 0 0 12.8 290.8208 316.26 Tm (conditions )Tj 16.1618 0 0 12.8 371.1433 316.26 Tm (specified )Tj 14.8952 0 0 12.8 442.6709 316.26 Tm (both )Tj 16.2792 0 0 12.8 479.4769 316.26 Tm (in )Tj 15.4821 0 0 12.8 501.1747 316.26 Tm (the )Tj 17.0789 0 0 12.8 66.3298 303.3 Tm (statute )Tj 18.8353 0 0 12.8 124.2545 303.3 Tm (itself )Tj 16.694 0 0 12.8 177.2546 303.3 Tm (\(e.g., )Tj 14.9417 0 0 12.8 226.3084 303.3 Tm (I.R.C. )Tj /T1_2 1 Tf 0 Tc 10.9 0 0 10.9 275.7307 303.3 Tm (\247 )Tj /T1_0 1 Tf 0.05 Tc 13.8282 0 0 12.8 289.8418 303.3 Tm (6103\(c\) )Tj 15.9431 0 0 12.8 347.5896 303.3 Tm (requires )Tj 16.4898 0 0 12.8 413.3317 303.3 Tm (that )Tj 14.8944 0 0 12.8 449.3364 303.3 Tm (taxpayer )Tj 15.0201 0 0 12.8 65.946 290.34 Tm (consents )Tj 14.6431 0 0 12.8 130.6707 290.34 Tm (be )Tj 16.5752 0 0 12.8 153.3143 290.34 Tm (in )Tj 16.1468 0 0 12.8 174.0692 290.34 Tm (writing\), )Tj 13.9431 0 0 12.8 247.1509 290.34 Tm (and )Tj 16.2792 0 0 12.8 276.677 290.34 Tm (in )Tj 15.6642 0 0 12.8 298.1341 290.34 Tm (the )Tj 14.0878 0 0 12.8 327.3362 290.34 Tm (implementing )Tj 14.7662 0 0 12.8 420.6859 290.34 Tm (Treasury )Tj 16.0345 0 0 12.8 65.8295 277.62 Tm (regulations. )Tj EMC /P <>BDC 12.9052 0 0 12.8 101.5028 251.7 Tm (The )Tj 15.828 0 0 12.8 130.7377 251.7 Tm (courts, )Tj 16.2959 0 0 12.8 188.8129 251.7 Tm (consistently )Tj 13.6297 0 0 12.8 282.9143 251.7 Tm (and )Tj 14.048 0 0 12.8 311.6159 251.7 Tm (unanimously, )Tj 13.9363 0 0 12.8 405.9135 251.7 Tm (have )Tj 15.4333 0 0 12.8 441.6706 251.7 Tm (held )Tj 16.6357 0 0 12.8 478.6113 251.7 Tm (that )Tj 18.9125 0 0 12.8 65.343 238.98 Tm (strict )Tj 14.2104 0 0 12.8 116.1143 238.98 Tm (compliance )Tj 14.9879 0 0 12.8 195.4315 238.98 Tm (with )Tj 15.2999 0 0 12.8 232.8552 238.98 Tm (the )Tj 14.1022 0 0 12.8 261.6587 238.98 Tm (terms )Tj 15.5808 0 0 12.8 304.2625 238.98 Tm (of )Tj 16.0838 0 0 12.8 326.2644 238.98 Tm (section )Tj 13.6863 0 0 12.8 384.8836 238.98 Tm (6103\(c\) )Tj 13.7864 0 0 12.8 441.7926 238.98 Tm (and )Tj 19.3991 0 0 12.8 471.0495 238.98 Tm (its )Tj 14.1273 0 0 12.8 65.4958 226.02 Tm (implementing )Tj 15.8908 0 0 12.8 159.4297 226.02 Tm (regulations )Tj /T1_1 1 Tf 18.1965 0 0 12.6 246.5854 226.02 Tm (is )Tj /T1_0 1 Tf 15.5026 0 0 12.8 268.1505 226.02 Tm (required, )Tj 13.9431 0 0 12.8 340.2709 226.02 Tm (and )Tj 14.0544 0 0 12.8 369.1933 226.02 Tm (have )Tj 16.2111 0 0 12.8 405.9091 226.02 Tm (rejected )Tj 15.4821 0 0 12.8 470.9346 226.02 Tm (the )Tj 13.8329 0 0 12.8 64.7521 213.06 Tm (argument )Tj 16.4898 0 0 12.8 130.6117 213.06 Tm (that )Tj 0 Tc 12.8 0 0 12.8 166.2831 213.06 Tm (a )Tj 0.05 Tc 15.3336 0 0 12.8 180.923 213.06 Tm (general )Tj 14.4961 0 0 12.8 238.6324 213.06 Tm (waiver )Tj 15.3025 0 0 12.8 289.6254 213.06 Tm (of )Tj 16.6422 0 0 12.8 311.2094 213.06 Tm (confidentiality )Tj 13.9159 0 0 12.8 427.3973 213.06 Tm (can )Tj 14.3991 0 0 12.8 455.3906 213.06 Tm (be )Tj 15.1936 0 0 12.8 64.7442 199.86 Tm (construed )Tj 13.8409 0 0 12.8 136.9101 199.86 Tm (by )Tj 15.4821 0 0 12.8 159.4146 199.86 Tm (the )Tj /C0_0 1 Tf 5.328 0 0 8.64 188.26 199.86 Tm <0063006F007E007E00740073005F0022002D002D>Tj /T1_0 1 Tf -0.035 Tc 7.1746 0 0 12.8 241.7979 199.86 Tm (__)Tj 0.05 Tc 13.6479 0 0 12.8 249.4441 199.86 Tm (See_ )Tj /C0_0 1 Tf 16.68 0 0 8.64 281.38 199.86 Tm <007E002C>Tj /T1_0 1 Tf -0.035 Tc 7.422 0 0 12.8 314.2785 199.86 Tm (__ )Tj /C0_0 1 Tf 5.3723 0 0 8.64 325.54 199.86 Tm <002700490027006900650072006E0065007E005F0076005F002E>Tj /T1_3 1 Tf ( )Tj /T1_0 1 Tf 9.6485 0 0 12.8 395.884 199.86 Tm (__)Tj 0.05 Tc 14.1298 0 0 12.8 405.4351 199.86 Tm (Schweiker,-)Tj -0.035 Tc 11.7096 0 0 12.8 484.3565 199.86 Tm (+-18---\255)Tj 0.008 Tc 11.4 0 0 11.4 64.6049 187.62 Tm (F-.2-a-)Tj -0.035 Tc 12.677 0 0 12.8 100.6544 187.62 Tm (/i-4-9-;-4SS-, )Tj /C0_0 1 Tf 5.94 0 0 8.64 173.62 187.62 Tm <00340035002D0031007E00280044002E>Tj /T1_3 1 Tf ( )Tj /T1_0 1 Tf 0.0243 Tc 12.8 0 0 12.8 223.8812 187.62 Tm (C. )Tj 0.05 Tc 15.6673 0 0 12.8 245.6902 187.62 Tm (Cir. )Tj 12.8697 0 0 12.8 282.3676 187.62 Tm (1983\) )Tj 14.3683 0 0 12.8 327.7632 187.62 Tm (\(because )Tj 15.2999 0 0 12.8 391.2552 187.62 Tm (the )Tj 15.142 0 0 12.8 421.245 187.62 Tm ("notice-and\255)Tj 14.8382 0 0 12.8 64.5079 173.94 Tm (consent )Tj 12.9795 0 0 12.8 122.8298 173.94 Tm (form" )Tj 17.7088 0 0 12.8 165.7506 173.94 Tm (at )Tj 16.0598 0 0 12.8 188.1189 173.94 Tm (issue )Tj 15.4386 0 0 12.8 231.3062 173.94 Tm (did )Tj 15.3745 0 0 12.8 259.753 173.94 Tm (not )Tj 13.2949 0 0 12.8 290.481 173.94 Tm ("meet )Tj 15.6642 0 0 12.8 332.6941 173.94 Tm (the )Tj 14.7796 0 0 12.8 361.7519 173.94 Tm (requirements )Tj 15.0243 0 0 12.8 455.4682 173.94 Tm (of )Tj 15.4821 0 0 12.8 477.4147 173.94 Tm (the )Tj 13.3455 0 0 12.8 506.4003 173.94 Tm (IRS' )Tj -0.035 Tc 12.7972 0 0 12.8 64.2907 160.98 Tm (own )Tj 0.05 Tc 16.3072 0 0 12.8 93.4289 160.98 Tm (regulations[,] )Tj 13.7864 0 0 12.8 202.0326 160.98 Tm (any )Tj 16.1787 0 0 12.8 231.1892 160.98 Tm (release )Tj 15.0243 0 0 12.8 288.9082 160.98 Tm (of )Tj 16.0285 0 0 12.8 310.853 160.98 Tm (tax )Tj 15.136 0 0 12.8 339.807 160.98 Tm (information )Tj 14.6995 0 0 12.8 425.8708 160.98 Tm (based )Tj 13.0536 0 0 12.8 469.6481 160.98 Tm (on )Tj 15.4821 0 0 12.8 491.8147 160.98 Tm (the )Tj 14.8382 0 0 12.8 64.2679 147.78 Tm (consent )Tj 13.4078 0 0 12.8 122.5848 147.78 Tm (form )Tj 20.5104 0 0 12.8 159.9844 147.78 Tm (... )Tj 13.5384 0 0 12.8 186.7942 147.78 Tm (would )Tj 16.6562 0 0 12.8 230.4585 147.78 Tm (violate )Tj 15.2999 0 0 12.8 289.2552 147.78 Tm (the )Tj 16.6053 0 0 12.8 317.6897 147.78 Tm (confidentiality )Tj 15.8518 0 0 12.8 433.5478 147.78 Tm (section )Tj 15.0243 0 0 12.8 490.9881 147.78 Tm (of )Tj 15.4821 0 0 12.8 513.1746 147.78 Tm (the )Tj EMC /P <>BDC 0 Tc 7.6 0 0 7.6 99.651 115.62 Tm (2 )Tj 0.05 Tc 13.0519 0 0 12.8 118.5415 115.62 Tm (The )Tj 15.9751 0 0 12.8 148.0209 115.62 Tm (disclosure )Tj 16.0963 0 0 12.8 227.6879 115.62 Tm (authority )Tj 13.74 0 0 12.8 299.3539 115.62 Tm (which )Tj 0 Tc 12.8 0 0 12.8 343.1631 115.62 Tm (a )Tj 0.05 Tc 14.9102 0 0 12.8 358.0271 115.62 Tm (consent )Tj 14.0839 0 0 12.8 415.5503 115.62 Tm (bestows )Tj 13.2874 0 0 12.8 472.8961 115.62 Tm (upon )Tj 15.6642 0 0 12.8 509.8141 115.62 Tm (the )Tj 15.2371 0 0 12.8 63.1743 102.66 Tm (Service )Tj 18.5182 0 0 12.8 121.3772 102.66 Tm (is )Tj 16.076 0 0 12.8 142.7399 102.66 Tm (discretionary, )Tj 15.1998 0 0 12.8 251.3533 102.66 Tm (not )Tj 13.9315 0 0 12.8 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14.8212 0 0 12.8 317.3518 655.16 Tm (requirements )Tj 17.0306 0 0 12.8 411.4505 655.16 Tm (set )Tj 16.2057 0 0 12.8 440.5525 655.16 Tm (forth )Tj 16.2792 0 0 12.8 484.037 655.16 Tm (in )Tj 15.1913 0 0 12.8 69.562 641.96 Tm (Treas. )Tj 13.1559 0 0 12.8 120.9925 641.96 Tm (Reg. )Tj 0 Tc 12 0 0 12 156.7858 641.96 Tm (\247 )Tj 0.05 Tc 14.8521 0 0 12.8 171.2794 641.96 Tm (301.6103\(c\)-1\(a\) )Tj 15.4118 0 0 12.8 294.4445 641.96 Tm (including )Tj 15.4821 0 0 12.8 366.7747 641.96 Tm (the )Tj 16.6498 0 0 12.8 395.2093 641.96 Tm (clear )Tj 14.7361 0 0 12.8 439.0319 641.96 Tm (requirement )Tj 15.3025 0 0 12.8 525.5454 641.96 Tm (of )Tj 0 Tc 12.8 0 0 12.8 71.3706 629 Tm (")Tj 0.459 -0.037 Td (a )Tj 0.05 Tc 16.3608 0 0 12.8 91.2688 629 Tm (written )Tj 13.3427 0 0 12.8 149.9671 629 Tm (document )Tj 16.0855 0 0 12.8 214.9165 629 Tm (pertaining )Tj 16.2712 0 0 12.8 295.3017 629 Tm (solely )Tj 16.0068 0 0 12.8 346.3731 629 Tm (to )Tj 15.4821 0 0 12.8 367.9747 629 Tm (the )Tj 15.4674 0 0 12.8 396.4146 629 Tm (authorized )Tj 16.1979 0 0 12.8 69.5387 616.04 Tm (disclosure"\); )Tj 12.9335 0 0 12.8 171.6337 616.04 Tm (Huckaby )Tj 15.1039 0 0 12.8 229.2624 616.04 Tm (v. )Tj 14.6566 0 0 12.8 251.1164 616.04 Tm (United )Tj 16.5345 0 0 12.8 302.43 616.04 Tm (States' )Tj 13.845 0 0 12.8 360.029 616.04 Tm (Department )Tj 15.3025 0 0 12.8 439.6254 616.04 Tm (of )Tj 15.4821 0 0 12.8 461.8147 616.04 Tm (the )Tj 14.912 0 0 12.8 69.5646 602.84 Tm (Treasury, )Tj 0.0404 Tc 12.8 0 0 12.8 142.9975 602.84 Tm (794 )Tj 0.05 Tc 14.7303 0 0 12.8 171.8688 602.84 Tm (F.2d )Tj 13.5206 0 0 12.8 208.1847 602.84 Tm (1041, )Tj 13.5445 0 0 12.8 251.6238 602.84 Tm (1046-47 )Tj 14.8871 0 0 12.8 311.9168 602.84 Tm (\(5th )Tj 15.8124 0 0 12.8 345.2886 602.84 Tm (Cir. )Tj 13.0647 0 0 12.8 381.9607 602.84 Tm (1986\) )Tj 16.1781 0 0 12.8 427.581 602.84 Tm (\(Fifth )Tj 16.3597 0 0 12.8 475.3627 602.84 Tm (Circuit )Tj 15.4541 0 0 12.8 69.7838 589.88 Tm (overruled )Tj 14.0502 0 0 12.8 143.4944 589.88 Tm (lower )Tj 15.4773 0 0 12.8 186.6613 589.88 Tm (court )Tj 15.2704 0 0 12.8 230.3233 589.88 Tm (finding )Tj 16.7817 0 0 12.8 288.0508 589.88 Tm (that )Tj 14.9578 0 0 12.8 324.2962 589.88 Tm (taxpayer )Tj 14.8003 0 0 12.8 389.2282 589.88 Tm (could )Tj 14.8382 0 0 12.8 432.4279 589.88 Tm (consent )Tj 16.2978 0 0 12.8 490.6122 589.88 Tm (to )Tj 16.1353 0 0 12.8 69.5393 576.92 Tm (disclosure )Tj 15.0243 0 0 12.8 150.1881 576.92 Tm (of )Tj 16.5439 0 0 12.8 171.4285 576.92 Tm (his )Tj 15.8464 0 0 12.8 201.1736 576.92 Tm (tax )Tj 15.0898 0 0 12.8 230.1274 576.92 Tm (information )Tj 16.5752 0 0 12.8 316.9943 576.92 Tm (in )Tj 0 Tc 12.8 0 0 12.8 338.3632 576.92 Tm (a )Tj 0.05 Tc 13.2529 0 0 12.8 352.147 576.92 Tm (manner )Tj 16.6357 0 0 12.8 403.7313 576.92 Tm (that )Tj 15.4386 0 0 12.8 439.6262 576.92 Tm (did )Tj 15.3745 0 0 12.8 468.073 576.92 Tm (not )Tj 13.5791 0 0 12.8 496.8662 576.92 Tm (meet )Tj 15.8464 0 0 12.8 69.8936 563.72 Tm (the )Tj 14.9461 0 0 12.8 98.9515 563.72 Tm (requirements )Tj 15.0243 0 0 12.8 193.3881 563.72 Tm (of )Tj 15.8518 0 0 12.8 215.3878 563.72 Tm (section )Tj 14.582 0 0 12.8 273.512 563.72 Tm (6103\(c\)}. )Tj 13.5328 0 0 12.8 352.8863 563.72 Tm (See )Tj 15.9273 0 0 12.8 381.5297 563.72 Tm (also )Tj 14.1182 0 0 12.8 417.3732 563.72 Tm (Johnson )Tj 15.1039 0 0 12.8 475.0224 563.72 Tm (v. )Tj /C0_0 1 Tf 5.91 0 0 8.88 69.94 551.96 Tm <005300610077007900650072007E002C>Tj /T1_1 1 Tf ( )Tj /T1_0 1 Tf -0.0278 Tc 12.8 0 0 12.8 128.575 551.96 Tm (640-)Tj -0.035 Tc 6.907 0 0 12.8 157.0266 551.96 Tm (F--.--)Tj -0.0066 Tc 12.8 0 0 12.8 178.9 551.96 Tm (Supp-;--l-126-,-)Tj /C0_0 1 Tf 5.1055 0 0 8.88 266.26 551.96 Tm <006C002D003100330032003D00330033002D007E007E>Tj /T1_1 1 Tf ( )Tj /T1_0 1 Tf 0.05 Tc 13.376 0 0 12.8 326.0954 551.96 Tm (\(S. )Tj -0.035 Tc 9.6516 0 0 12.8 344.9305 551.96 Tm (D-. )Tj /C0_0 1 Tf 5.4 0 0 8.88 361.06 551.96 Tm <002D005400650078002D007E>Tj /T1_1 1 Tf ( )Tj /T1_0 1 Tf 0.0159 Tc 12.8 0 0 12.8 395.9444 551.96 Tm (--198-6\); )Tj /C0_0 1 Tf 1.92 0 0 8.88 448.42 551.96 Tm <007E>Tj /T1_1 1 Tf ( )Tj /T1_0 1 Tf -0.035 Tc 12.4007 0 0 12.8 453.3964 551.96 Tm (Dowd )Tj /T1_2 1 Tf 16.3243 0 0 17 489.3979 551.96 Tm (v. )Tj /C0_0 1 Tf 3.12 0 0 8.88 507.22 551.96 Tm <007E002D>Tj /T1_2 1 Tf 0 Tc 17 0 0 17 522.4181 551.96 Tm (-)Tj /T1_0 1 Tf 0.05 Tc 15.0799 0 0 12.8 69.2965 537.8 Tm (Calabrese, )Tj 13.0315 0 0 12.8 149.8818 537.8 Tm (101 )Tj 13.8579 0 0 12.8 178.593 537.8 Tm (F.R.D. )Tj 13.2435 0 0 12.8 229.7179 537.8 Tm (427, )Tj 13.5346 0 0 12.8 265.9566 537.8 Tm (438-39 )Tj 12.9875 0 0 12.8 318.6602 537.8 Tm (\(D.D.C. )Tj 14.3728 0 0 12.8 374.2347 537.8 Tm (1984\); )Tj 16.7097 0 0 12.8 424.7287 537.8 Tm (cf. )Tj 15.5008 0 0 12.8 453.2965 537.8 Tm (Garity )Tj 15.1039 0 0 12.8 503.8224 537.8 Tm (v. )Tj 14.8186 0 0 12.8 68.9561 524.84 Tm (United )Tj 16.2182 0 0 12.8 120.5159 524.84 Tm (States, )Tj 0.009 Tc 12.8 0 0 12.8 179.08 524.84 Tm (46 )Tj 0.05 Tc 14.4532 0 0 12.8 199.9861 524.84 Tm (A.F.T.R.2d )Tj -0.0068 Tc 12.8 0 0 12.8 280.2363 524.84 Tm (5'146 )Tj 0.05 Tc 12.9918 0 0 12.8 318.6602 524.84 Tm (\(E.D. )Tj 13.1845 0 0 12.8 359.0743 524.84 Tm (Mich. )Tj 14.2867 0 0 12.8 403.0377 524.84 Tm (1980\); )Tj 13.4396 0 0 12.8 453.688 524.84 Tm (S. )Tj 13.0363 0 0 12.8 474.9932 524.84 Tm (Rep. )Tj 0.0046 Tc 12.8 0 0 12.8 510.8706 524.84 Tm (No. )Tj 0.05 Tc 13.3113 0 0 12.8 69.7821 511.88 Tm (938, )Tj 14.7626 0 0 12.8 106.2448 511.88 Tm (94th )Tj 13.8474 0 0 12.8 142.2699 511.88 Tm (Cong., )Tj 13.5002 0 0 12.8 193.213 511.88 Tm (2d )Tj 14.8874 0 0 12.8 214.8609 511.88 Tm (Sess. )Tj 0.0372 Tc 12.8 0 0 12.8 258.4244 511.88 Tm (318 )Tj 0.05 Tc 13.8876 0 0 12.8 289.6092 511.88 Tm (\(1976\), )Tj 13.6273 0 0 12.8 344.9809 511.88 Tm (1976-3 )Tj 13.2218 0 0 12.8 395.2367 511.88 Tm (C.B. )Tj 13.967 0 0 12.8 434.0881 511.88 Tm (\(Vol.3\) )Tj 0.0372 Tc 12.8 0 0 12.8 490.0244 511.88 Tm (356 )Tj EMC /P <>BDC 0.05 Tc 14.0627 0 0 12.8 71.927 498.92 Tm (\(lithe )Tj 13.6853 0 0 12.8 113.2397 498.92 Tm (cormnittee )Tj 18.0897 0 0 12.8 186.3707 498.92 Tm (felt )Tj 16.3439 0 0 12.8 222.5321 498.92 Tm (that )Tj 16.0796 0 0 12.8 258.0694 498.92 Tm (returns )Tj 13.9431 0 0 12.8 315.7909 498.92 Tm (and )Tj 16.2082 0 0 12.8 344.9492 498.92 Tm (return )Tj 15.0437 0 0 12.8 395.7278 498.92 Tm (information )Tj 14.6951 0 0 12.8 482.5247 498.92 Tm (should )Tj 15.8584 0 0 12.8 69.0783 485.96 Tm (generally )Tj 14.155 0 0 12.8 141.7104 485.96 Tm (be )Tj 16.485 0 0 12.8 164.4517 485.96 Tm (treated )Tj 15.156 0 0 12.8 221.6979 485.96 Tm (as )Tj 16.0756 0 0 12.8 243.5352 485.96 Tm (confidential )Tj 13.9431 0 0 12.8 337.3909 485.96 Tm (and )Tj 15.1998 0 0 12.8 366.0733 485.96 Tm (not )Tj 15.6971 0 0 12.8 395.6301 485.96 Tm (subject )Tj 15.7157 0 0 12.8 453.654 485.96 Tm (to )Tj 16.0285 0 0 12.8 69.0603 473 Tm (disclosure )Tj 14.8083 0 0 12.8 149.4551 473 Tm (except )Tj 16.2792 0 0 12.8 200.3569 473 Tm (in )Tj 14.9828 0 0 12.8 222.2961 473 Tm (those )Tj 16.0373 0 0 12.8 265.1567 473 Tm (limited )Tj 16.5877 0 0 12.8 323.137 473 Tm (situations )Tj 15.8451 0 0 12.8 402.1822 473 Tm (delineated )Tj 16.5752 0 0 12.8 482.1143 473 Tm (in )Tj 15.2999 0 0 12.8 504.2952 473 Tm (the )Tj 13.825 0 0 12.8 68.4757 460.04 Tm (newly )Tj 12.9398 0 0 12.8 112.5216 460.04 Tm (amended )Tj 15.9291 0 0 12.8 171.2267 460.04 Tm (section )Tj 0.0228 Tc 12.8 0 0 12.8 229.375 460.04 Tm (6103 )Tj 0.05 Tc 13.6542 0 0 12.8 264.074 460.04 Tm (where )Tj 15.2999 0 0 12.8 308.9352 460.04 Tm (the )Tj 13.6342 0 0 12.8 337.4002 460.04 Tm (cormnittee )Tj 14.766 0 0 12.8 409.3929 460.04 Tm (decided )Tj 16.6357 0 0 12.8 467.8113 460.04 Tm (that )Tj 16.013 0 0 12.8 68.8205 447.32 Tm (disclosures )Tj 13.9177 0 0 12.8 155.5935 447.32 Tm (were )Tj 14.7903 0 0 12.8 192.0718 447.32 Tm (warranted. )Tj 0.0103 Tc 12.8 0 0 12.8 266.2506 447.32 Tm ("\) )Tj EMC /P <>BDC 0.05 Tc 16.7119 0 0 12.8 6.6168 421.4 Tm (--------------wtEh )Tj 15.3336 0 0 12.8 141.6708 421.4 Tm (regard )Tj 15.4247 0 0 12.8 193.0148 421.4 Tm (to )Tj 15.7936 0 0 12.8 214.1499 421.4 Tm (regulations )Tj 14.0878 0 0 12.8 300.9362 421.4 Tm (implementing )Tj 15.8518 0 0 12.8 394.9078 421.4 Tm (section )Tj 13.9724 0 0 12.8 453.0399 421.4 Tm (6103\(c}, )Tj 15.4691 0 0 12.8 69.1747 408.44 Tm (these )Tj 16.747 0 0 12.8 112.2507 408.44 Tm (originally )Tj 13.8027 0 0 12.8 191.5937 408.44 Tm (were )Tj 15.462 0 0 12.8 228.6841 408.44 Tm (issued )Tj 16.5752 0 0 12.8 278.8343 408.44 Tm (in )Tj 14.2285 0 0 12.8 301.0183 408.44 Tm (temporary )Tj 13.2327 0 0 12.8 373.3869 408.44 Tm (form, )Tj 16.4865 0 0 12.8 416.3165 408.44 Tm (effective )Tj 14.8948 0 0 12.8 487.9284 408.44 Tm (January )Tj 14.4936 0 0 12.8 68.4705 395.48 Tm (1, )Tj 13.8233 0 0 12.8 90.334 395.48 Tm (1977. )Tj 13.692 0 0 12.8 141.4433 395.48 Tm (See )Tj 13.1872 0 0 12.8 170.1402 395.48 Tm (T.D. )Tj 13.2597 0 0 12.8 206.8324 395.48 Tm (7479, )Tj 13.707 0 0 12.8 249.9381 395.48 Tm (1977-1 )Tj 13.3442 0 0 12.8 299.9553 395.48 Tm (C.B. )Tj 13.7835 0 0 12.8 336.6524 395.48 Tm (376. )Tj 14.084 0 0 12.8 380.1898 395.48 Tm (Proposed )Tj 13.1872 0 0 12.8 444.7003 395.48 Tm (T.D. )Tj 0.0415 Tc 12.8 0 0 12.8 481.3975 395.48 Tm (7479 )Tj 0.0408 Tc 2.765 0 Td (was )Tj 0.05 Tc 13.88 0 0 12.8 68.1116 382.52 Tm (accompanied )Tj 13.8409 0 0 12.8 155.3901 382.52 Tm (by )Tj 0 Tc 12.8 0 0 12.8 177.5631 382.52 Tm (a )Tj 0.013 Tc 1.077 0 Td (memorandum )Tj 0.05 Tc 15.1912 0 0 12.8 271.1487 382.52 Tm (dated )Tj 15.3179 0 0 12.8 314.2241 382.52 Tm (April )Tj 14.4936 0 0 12.8 358.1504 382.52 Tm (1, )Tj 13.4197 0 0 12.8 380.0283 382.52 Tm (1977, )Tj 13.2942 0 0 12.8 423.7862 382.52 Tm (from )Tj 15.4821 0 0 12.8 459.6547 382.52 Tm (the )Tj 13.4068 0 0 12.8 68.1147 369.56 Tm (Cormnissioner )Tj 15.5808 0 0 12.8 162.6625 369.56 Tm (of )Tj 16.1799 0 0 12.8 185.2591 369.56 Tm (Internal )Tj 13.1621 0 0 12.8 249.3925 369.56 Tm (Revenue )Tj 15.7157 0 0 12.8 307.974 369.56 Tm (to )Tj 15.4821 0 0 12.8 329.5747 369.56 Tm (the )Tj 15.8533 0 0 12.8 357.4228 369.56 Tm (Assistant )Tj 15.5496 0 0 12.8 430.1284 369.56 Tm (Secretary )Tj 15.3025 0 0 12.8 502.5053 369.56 Tm (of )Tj 15.4821 0 0 12.8 68.6946 356.84 Tm (the )Tj 14.7973 0 0 12.8 97.1656 356.84 Tm (Treasury, )Tj 16.6357 0 0 12.8 170.6913 356.84 Tm (that )Tj 0.0491 Tc 12.8 0 0 12.8 206.2356 356.84 Tm (recommended )Tj 0.05 Tc 14.7694 0 0 12.8 292.5021 356.84 Tm (approval )Tj 15.5808 0 0 12.8 357.7825 356.84 Tm (of )Tj 15.4821 0 0 12.8 380.2147 356.84 Tm (the )Tj 14.4384 0 0 12.8 407.8748 356.84 Tm (proposed )Tj 14.1752 0 0 12.8 474.0585 356.84 Tm (temporary )Tj 15.9394 0 0 12.8 68.2297 343.88 Tm (regulations )Tj 13.2867 0 0 12.8 155.4857 343.88 Tm (on )Tj 14.7743 0 0 12.8 176.7552 343.88 Tm (procedure )Tj 13.7864 0 0 12.8 249.0726 343.88 Tm (and )Tj 15.728 0 0 12.8 277.8518 343.88 Tm (administration )Tj 14.4461 0 0 12.8 386.2558 343.88 Tm (under )Tj 15.3013 0 0 12.8 430.1959 343.88 Tm (subsection )Tj 14.2231 0 0 12.8 68.5567 331.16 Tm (6103{c\). )Tj 12.9052 0 0 12.8 140.6228 331.16 Tm (The )Tj 14.2113 0 0 12.8 169.6259 331.16 Tm (Commissioner's )Tj 0.0151 Tc 12.8 0 0 12.8 277.5081 331.16 Tm (memorandum )Tj 0.05 Tc 16.7123 0 0 12.8 357.9352 331.16 Tm (specifically )Tj 14.9136 0 0 12.8 451.3805 331.16 Tm (addressed )Tj 13.9431 0 0 12.8 67.6309 318.2 Tm (and )Tj 15.1997 0 0 12.8 97.1308 318.2 Tm (explained )Tj 15.4821 0 0 12.8 170.2146 318.2 Tm (the )Tj 14.3784 0 0 12.8 198.1147 318.2 Tm (proposed )Tj 16.0129 0 0 12.8 263.5895 318.2 Tm (regulation'S )Tj 15.4446 0 0 12.8 358.8391 318.2 Tm ("separate )Tj 16.1303 0 0 12.8 428.9493 318.2 Tm (written )Tj EMC /StyleSpan <>BDC 13.3427 0 0 12.8 67.6471 305.48 Tm (document )Tj EMC /P <>BDC /T1_2 1 Tf 5.2445 0 0 4.6 127.6333 305.48 Tm (II )Tj /T1_0 1 Tf 15.1989 0 0 12.8 140.7111 305.48 Tm (requirement--a )Tj 14.691 0 0 12.8 248.952 305.48 Tm (requirement )Tj 16.4898 0 0 12.8 336.2917 305.48 Tm (that )Tj 18.5182 0 0 12.8 371.9373 305.48 Tm (is )Tj 15.214 0 0 12.8 392.7556 305.48 Tm (preserved )Tj 16.2792 0 0 12.8 465.7969 305.48 Tm (in )Tj 15.4821 0 0 12.8 487.4947 305.48 Tm (the )Tj 15.9797 0 0 12.8 67.6161 292.52 Tm (current )Tj 16.1647 0 0 12.8 125.8292 292.52 Tm (regulations--as )Tj 14.8181 0 0 12.8 242.0885 292.52 Tm (follows: )Tj EMC /P <>BDC 0.0028 Tc 12.8 0 0 12.8 105.865 266.6 Tm ([W]e )Tj 0.05 Tc 12.9107 0 0 12.8 140.1314 266.6 Tm (do )Tj 15.1998 0 0 12.8 161.5933 266.6 Tm (not )Tj 15.8064 0 0 12.8 190.4316 266.6 Tm (believe )Tj 16.4898 0 0 12.8 248.9317 266.6 Tm (that )Tj 14.05 0 0 12.8 284.1077 266.6 Tm (Congress )Tj 15.0721 0 0 12.8 349.8875 266.6 Tm (intended )Tj 15.7157 0 0 12.8 415.014 266.6 Tm (to )Tj 14.9158 0 0 12.8 435.7153 266.6 Tm (permit )Tj 0 Tc 12.8 0 0 12.8 486.4431 266.6 Tm (a )Tj EMC /P <>BDC 0.05 Tc 15.0212 0 0 12.8 103.976 253.64 Tm (taxpayer )Tj 15.7157 0 0 12.8 169.494 253.64 Tm (to )Tj 15.3927 0 0 12.8 190.5067 253.64 Tm (designate )Tj 0 Tc 12.8 0 0 12.8 262.5231 253.64 Tm (a )Tj 0.05 Tc 14.8658 0 0 12.8 276.5952 253.64 Tm (person )Tj 15.7157 0 0 12.8 328.134 253.64 Tm (to )Tj 15.6679 0 0 12.8 349.3816 253.64 Tm (obtain )Tj 13.7864 0 0 12.8 399.7926 253.64 Tm (any )Tj 13.9431 0 0 12.8 428.3509 253.64 Tm (and )Tj 18.5645 0 0 12.8 457.3415 253.64 Tm (all )Tj 20.8076 0 0 12.8 105.018 240.92 Tm (... )Tj 15.6642 0 0 12.8 133.2541 240.92 Tm (tax )Tj 15.5654 0 0 12.8 161.4649 240.92 Tm (data )Tj 14.5904 0 0 12.8 197.9504 240.92 Tm (concerning )Tj 15.2999 0 0 12.8 277.4952 240.92 Tm (the )Tj 14.9578 0 0 12.8 306.2962 240.92 Tm (taxpayer )Tj 15.156 0 0 12.8 370.7379 240.92 Tm (as )Tj 16.3439 0 0 12.8 393.1721 240.92 Tm (that )Tj 14.7832 0 0 12.8 428.0352 240.92 Tm (person )Tj EMC /P <>BDC 14.2487 0 0 12.8 102.5445 227.72 Tm (might )Tj 15.6475 0 0 12.8 147.5189 227.72 Tm (find )Tj 15.8174 0 0 12.8 183.1899 227.72 Tm (relevant )Tj 15.7157 0 0 12.8 248.454 227.72 Tm (to )Tj 16.5439 0 0 12.8 269.1085 227.72 Tm (his )Tj -0.035 Tc 12.7972 0 0 12.8 298.2907 227.72 Tm (own )Tj 0.05 Tc 17.1101 0 0 12.8 327.037 227.72 Tm (activity. )Tj -0.035 Tc 10.5331 0 0 12.8 406.1384 227.72 Tm (We )Tj 0.05 Tc 15.5619 0 0 12.8 428.6944 227.72 Tm (think )Tj 16.4898 0 0 12.8 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12.8 208.2307 551.98 Tm (\)--)Tj 0.05 Tc 13.9431 0 0 12.8 221.1109 551.98 Tm (and )Tj 14.0878 0 0 12.8 250.8962 551.98 Tm (implementing )Tj 15.0049 0 0 12.8 344.5915 551.98 Tm (regulaEions--therefore )Tj 14.7763 0 0 12.8 68.7085 538.78 Tm (contemplate )Tj 0 Tc 12.8 0 0 12.8 155.8431 538.78 Tm (a )Tj 0.05 Tc 15.7519 0 0 12.8 170.8693 538.78 Tm (separate )Tj 15.9168 0 0 12.8 235.3897 538.78 Tm (writing )Tj 14.0716 0 0 12.8 293.2703 538.78 Tm (by )Tj 13.649 0 0 12.8 315.074 538.78 Tm (which )Tj 15.2999 0 0 12.8 359.4552 538.78 Tm (the )Tj 15.0212 0 0 12.8 388.256 538.78 Tm (taxpayer )Tj 15.6261 0 0 12.8 453.1844 538.78 Tm (describes, )Tj 15.1128 0 0 12.8 68.1112 525.82 Tm (with )Tj 17.0924 0 0 12.8 104.3975 525.82 Tm (particularity, )Tj 15.4821 0 0 12.8 214.4946 525.82 Tm (the )Tj 15.8464 0 0 12.8 243.5336 525.82 Tm (tax )Tj 15.0437 0 0 12.8 272.4878 525.82 Tm (information )Tj 16.4898 0 0 12.8 359.2117 525.82 Tm (that )Tj 0.0047 Tc 12.8 0 0 12.8 394.2681 525.82 Tm (may )Tj 0.05 Tc 14.3991 0 0 12.8 423.5906 525.82 Tm (be )Tj 15.6226 0 0 12.8 445.7444 525.82 Tm (disclosed, )Tj 14.0997 0 0 12.8 68.2292 512.86 Tm (and )Tj 15.7157 0 0 12.8 98.334 512.86 Tm (to )Tj -0.035 Tc 12.3538 0 0 12.8 118.9965 512.86 Tm (whom )Tj 0.05 Tc 22.0464 0 0 12.8 156.0262 512.86 Tm (it )Tj 0.0047 Tc 12.8 0 0 12.8 176.8281 512.86 Tm (may )Tj 0.05 Tc 14.3991 0 0 12.8 206.1505 512.86 Tm (be )Tj 15.7315 0 0 12.8 228.3033 512.86 Tm (disclosed. )Tj EMC /P <>BDC 13.0519 0 0 12.8 104.5015 486.94 Tm (The )Tj 17.1723 0 0 12.8 133.1976 486.94 Tm (possibility )Tj 16.4898 0 0 12.8 221.4517 486.94 Tm (that )Tj 13.2331 0 0 12.8 257.6237 486.94 Tm (income )Tj 16.7382 0 0 12.8 307.6183 486.94 Tm (verification )Tj 15.6967 0 0 12.8 401.7101 486.94 Tm (requests )Tj 13.9431 0 0 12.8 467.1109 486.94 Tm (and )Tj 13.6121 0 0 12.8 67.9944 474.22 Tm (accompanying )Tj 15.3937 0 0 12.8 163.3749 474.22 Tm (taxpayer/loan )Tj 15.8263 0 0 12.8 264.0508 474.22 Tm (applicant )Tj 14.9565 0 0 12.8 336.5467 474.22 Tm (consents )Tj 0.0047 Tc 12.8 0 0 12.8 400.9881 474.22 Tm (may )Tj 0.05 Tc 14.3991 0 0 12.8 430.3106 474.22 Tm (be )Tj 14.1576 0 0 12.8 453.1762 474.22 Tm (forwarded )Tj 15.7157 0 0 12.8 525.534 474.22 Tm (to )Tj 15.6642 0 0 12.8 68.5741 461.02 Tm (the )Tj 15.3108 0 0 12.8 97.3729 461.02 Tm (Service )Tj 16.8712 0 0 12.8 155.5917 461.02 Tm (in )Tj 0 Tc 12.8 0 0 12.8 176.9631 461.02 Tm (a )Tj 0.05 Tc 14.62 0 0 12.8 191.2343 461.02 Tm (non-paper )Tj 13.2327 0 0 12.8 264.7869 461.02 Tm (form, )Tj 17.2962 0 0 12.8 307.7074 461.02 Tm (e.g., )Tj 16.6248 0 0 12.8 350.9149 461.02 Tm (electronically )Tj 15.859 0 0 12.8 459.6597 461.02 Tm (or )Tj 15.2194 0 0 12.8 481.1756 461.02 Tm (using )Tj 16.5762 0 0 12.8 68.3314 448.06 Tm (transcription )Tj /C0_0 1 Tf 7.12 0 0 8.64 170.38 448.06 Tm <0074006500630068006E006F007E006F0067006900650073>Tj /T1_2 1 Tf ( )Tj /T1_0 1 Tf 16.6357 0 0 12.8 264.6513 448.06 Tm (that )Tj 15.0349 0 0 12.8 300.896 448.06 Tm (tend )Tj 15.7157 0 0 12.8 336.894 448.06 Tm (to )Tj 16.4534 0 0 12.8 357.5921 448.06 Tm (blur )Tj 15.4821 0 0 12.8 394.7347 448.06 Tm (the )Tj 16.6981 0 0 12.8 423.1713 448.06 Tm (oral/written )Tj EMC /StyleSpan <>BDC 16.7732 0 0 12.8 67.7329 436.06 Tm (distinction, )Tj 16.7373 0 0 12.8 162.6681 436.06 Tm (raises )Tj 15.4821 0 0 12.8 213.7746 436.06 Tm (the )Tj 15.9498 0 0 12.8 242.7198 436.06 Tm (issue )Tj 15.3025 0 0 12.8 285.6653 436.06 Tm (of )Tj 14.2762 0 0 12.8 306.9128 436.06 Tm (whether )Tj 14.2277 0 0 12.8 365.5316 436.06 Tm (such )Tj 13.6406 0 0 12.8 401.8221 436.06 Tm (forms )Tj 15.5808 0 0 12.8 444.7826 436.06 Tm (of )Tj EMC /P <>BDC /C0_0 1 Tf 4.4291 0 0 7.44 467.02 436.06 Tm <0063006F006E00610070002D003D007E006E007E0074>Tj /T1_2 1 Tf ( )Tj /T1_0 1 Tf 0 Tc 12.8 0 0 12.8 593.2919 436.06 Tm (_ )Tj EMC /P <>BDC 0.05 Tc 15.8248 0 0 12.2 5.5476 422.38 Tm (-----CO!IS't\261t'1:rte )Tj 0 Tc 12.2 0 0 12.2 147.9295 422.38 Tm (a )Tj -0.0214 Tc 12.8 0 0 12.8 163.6506 422.38 Tm ("wrJ.E"l.ng" )Tj 0.05 Tc 15.859 0 0 12.8 234.7797 422.38 Tm (or )Tj 15.6923 0 0 12.8 258.1543 422.38 Tm ("written )Tj 13.218 0 0 12.8 321.6883 422.38 Tm (document" )Tj 15.6863 0 0 12.8 394.5985 422.38 Tm (for )Tj 16.0064 0 0 12.8 423.3455 422.38 Tm (section )Tj 0.0353 Tc 12.8 0 0 12.8 481.735 422.38 Tm (6103 )Tj 0.05 Tc 13.1082 0 0 12.8 512.6987 422.38 Tm (\(c\) )Tj 15.1037 0 0 12.8 67.1955 409.18 Tm (purposes. )Tj EMC /P <>BDC 12.9261 0 0 12.8 103.5937 383.74 Tm (However, )Tj 15.4821 0 0 12.8 169.8546 383.74 Tm (the )Tj 15.2371 0 0 12.8 198.4143 383.74 Tm (Service )Tj 14.6208 0 0 12.8 256.0322 383.74 Tm (has )Tj 15.3433 0 0 12.8 285.073 383.74 Tm (not, )Tj 15.6863 0 0 12.8 322.1185 383.74 Tm (for )Tj 15.9216 0 0 12.8 350.2214 383.74 Tm (disclosure )Tj 14.8749 0 0 12.8 429.3553 383.74 Tm (purposes, )Tj 16.5161 0 0 12.8 67.7548 370.78 Tm (interpreted )Tj 15.4821 0 0 12.8 155.2146 370.78 Tm (the )Tj 14.7361 0 0 12.8 183.7919 370.78 Tm (requirement )Tj 15.873 0 0 12.8 271.2363 370.78 Tm (for )Tj 0 Tc 12.8 0 0 12.8 299.6031 370.78 Tm (a )Tj 0.05 Tc 16.0535 0 0 12.8 313.6294 370.78 Tm (written )Tj 14.7661 0 0 12.8 372.0686 370.78 Tm (consent )Tj 16.0068 0 0 12.8 430.2531 370.78 Tm (to )Tj 16.8136 0 0 12.8 451.9898 370.78 Tm (limit )Tj 16.3608 0 0 12.8 66.6688 357.82 Tm (written )Tj 15.6304 0 0 12.8 125.7102 357.82 Tm (requests )Tj 15.7157 0 0 12.8 191.454 357.82 Tm (to )Tj 16.9504 0 0 12.8 213.0503 357.82 Tm (traditional )Tj 15.8413 0 0 12.8 298.9899 357.82 Tm (writing )Tj 13.8168 0 0 12.8 356.5856 357.82 Tm (media, )Tj 19.4455 0 0 12.8 408.2891 357.82 Tm (i.e., )Tj 15.6374 0 0 12.8 450.956 357.82 Tm (pen-to\255)Tj 15.3211 0 0 12.8 66.4757 344.86 Tm (paper. )Tj 14.5123 0 0 12.8 125.4299 344.86 Tm (For )Tj 13.6857 0 0 12.8 154.6276 344.86 Tm (example, )Tj 15.4821 0 0 12.8 220.2546 344.86 Tm (the )Tj 15.1635 0 0 12.8 248.8157 344.86 Tm (Service )Tj 16.1367 0 0 12.8 306.7746 344.86 Tm (currently )Tj 15.321 0 0 12.8 378.5362 344.86 Tm (accepts )Tj 14.8872 0 0 12.8 436.3153 344.86 Tm (photocopies )Tj 14.0997 0 0 12.8 66.7892 332.14 Tm (and )Tj 15.654 0 0 12.8 96.9989 332.14 Tm (facsimile )Tj 15.0973 0 0 12.8 169.0252 332.14 Tm (copies )Tj 15.5808 0 0 12.8 219.4225 332.14 Tm (of )Tj 15.9291 0 0 12.8 241.6667 332.14 Tm (section )Tj 13.6863 0 0 12.8 299.8036 332.14 Tm (6103\(c\) )Tj 15.8682 0 0 12.8 356.9419 332.14 Tm (disclosure )Tj 15.1513 0 0 12.8 436.8646 332.14 Tm (consents. )Tj EMC /P <>BDC 13.5707 0 0 12.8 102.6324 306.22 Tm (Moreover, )Tj 13.9134 0 0 12.8 175.5092 306.22 Tm (Counsel )Tj 14.4528 0 0 12.8 233.4725 306.22 Tm (has )Tj 14.5647 0 0 12.8 262.6328 306.22 Tm (opined )Tj 16.3439 0 0 12.8 314.0921 306.22 Tm (that )Tj 15.6282 0 0 12.8 349.6711 306.22 Tm (since )Tj 15.4821 0 0 12.8 393.2947 306.22 Tm (the )Tj 14.8588 0 0 12.8 421.7476 306.22 Tm (crux )Tj 15.5808 0 0 12.8 457.9825 306.22 Tm (of )Tj 16.0064 0 0 12.8 479.9856 306.22 Tm (section )Tj 14.9442 0 0 12.8 67.2274 293.26 Tm (6103's )Tj 15.2163 0 0 12.8 119.2036 293.26 Tm ("written" )Tj 14.0997 0 0 12.8 189.9092 293.26 Tm (and )Tj 15.0619 0 0 12.8 220.4865 293.26 Tm ("writing" )Tj 14.8212 0 0 12.8 291.5518 293.26 Tm (requirements )Tj 15.7805 0 0 12.8 385.2513 293.26 Tm (are )Tj 15.4247 0 0 12.8 414.8948 293.26 Tm (to )Tj 14.967 0 0 12.8 436.1334 293.26 Tm (ensure )Tj 16.7817 0 0 12.8 487.3708 293.26 Tm (that )Tj 16.0616 0 0 12.8 66.3 280.54 Tm (disclosures )Tj 15.964 0 0 12.8 153.6493 280.54 Tm (are )Tj 16.6366 0 0 12.8 183.3875 280.54 Tm (fully )Tj 13.6131 0 0 12.8 225.9244 280.54 Tm (documented, )Tj 15.7071 0 0 12.8 312.7721 280.54 Tm (as )Tj 14.0215 0 0 12.8 334.3983 280.54 Tm (opposed )Tj 15.7157 0 0 12.8 392.814 280.54 Tm (to )Tj 15.5476 0 0 12.8 413.7559 280.54 Tm (purely )Tj 16.4632 0 0 12.8 464.9336 280.54 Tm (oral, )Tj 15.4821 0 0 12.8 508.9747 280.54 Tm (the )Tj 15.2371 0 0 12.8 66.6543 267.34 Tm (Service )Tj 14.6208 0 0 12.8 124.5122 267.34 Tm (has )Tj 15.2999 0 0 12.8 154.2552 267.34 Tm (the )Tj 16.1564 0 0 12.8 182.4472 267.34 Tm (authority )Tj 16.0068 0 0 12.8 255.5331 267.34 Tm (to )Tj 15.8695 0 0 12.8 276.7703 267.34 Tm (administratively )Tj 14.5223 0 0 12.8 399.4354 267.34 Tm (develop )Tj 16.8062 0 0 12.8 66.0403 254.38 Tm (alternatives )Tj 15.7157 0 0 12.8 161.214 254.38 Tm (to )Tj 15.6642 0 0 12.8 182.8141 254.38 Tm (the )Tj 16.9504 0 0 12.8 211.8503 254.38 Tm (traditional )Tj 15.3029 0 0 12.8 297.8357 254.38 Tm (pen-to-paper )Tj 15.9168 0 0 12.8 391.3897 254.38 Tm (writing )Tj 13.6594 0 0 12.8 449.466 254.38 Tm (media )Tj 15.9291 0 0 12.8 66.4667 241.42 Tm (subject )Tj 16.0068 0 0 12.8 124.9731 241.42 Tm (to )Tj 13.3981 0 0 12.8 146.4846 241.42 Tm (one )Tj 15.5887 0 0 12.8 175.2601 241.42 Tm (caveat--an )Tj 16.4032 0 0 12.8 254.6942 241.42 Tm (oral )Tj 15.083 0 0 12.8 291.3591 241.42 Tm (statement )Tj 14.4351 0 0 12.8 363.432 241.42 Tm (cannot )Tj 14.3991 0 0 12.8 413.2706 241.42 Tm (be )Tj 14.7774 0 0 12.8 434.8557 241.42 Tm (used )Tj 16.0068 0 0 12.8 472.0131 241.42 Tm (to )Tj 17.4833 0 0 12.8 66.2039 228.7 Tm (satisfy )Tj 15.4821 0 0 12.8 124.9746 228.7 Tm (the )Tj 15.8413 0 0 12.8 153.0698 228.7 Tm (writing )Tj 14.8462 0 0 12.8 211.3917 228.7 Tm (requirement. )Tj EMC /P <>BDC 13.5797 0 0 12.8 101.9263 202.78 Tm (While )Tj 13.9134 0 0 12.8 145.5092 202.78 Tm (Counsel )Tj 15.9494 0 0 12.8 204.1733 202.78 Tm (therefore )Tj 15.0486 0 0 12.8 276.1914 202.78 Tm (recognizes )Tj 16.3439 0 0 12.8 356.0921 202.78 Tm (that )Tj 14.6935 0 0 12.8 390.9508 202.78 Tm (broad )Tj 16.2765 0 0 12.8 434.686 202.78 Tm (authorjty )Tj EMC /P <>BDC 15.5632 0 0 12.8 65.5667 190.78 Tm (exists--to )Tj 14.2622 0 0 12.8 138.3075 190.78 Tm (administri:fti-very )Tj 14.5455 0 0 12.8 261.1951 190.78 Tm (def-rne-writing--for )Tj 14.0119 0 0 12.8 394.1297 190.78 Tm (--section)Tj 0 Tc 12.8 0 0 12.8 450.5444 190.78 Tm (-)Tj 0.029 Tc 0.506 0 Td (6103 )Tj EMC /P <>BDC 0.05 Tc 14.9321 0 0 12.8 64.7953 177.1 Tm (purposes, )Tj 22.0464 0 0 12.8 138.5062 177.1 Tm (it )Tj /T1_3 1 Tf 18.1965 0 0 12.9 160.0654 177.1 Tm (is )Tj /T1_0 1 Tf 16.0646 0 0 12.8 181.2482 177.1 Tm (also )Tj 16.6498 0 0 12.8 217.9693 177.1 Tm (clear )Tj 16.6357 0 0 12.8 261.7713 177.1 Tm (that )Tj 16.2792 0 0 12.8 297.6769 177.1 Tm (in )Tj 15.5286 0 0 12.8 319.0071 177.1 Tm (evaluating )Tj 16.742 0 0 12.8 398.201 177.1 Tm (alternative )Tj 13.4525 0 0 12.8 485.8243 177.1 Tm (forms )Tj 15.3025 0 0 12.8 65.1053 164.14 Tm (of )Tj 15.7861 0 0 12.8 86.5899 164.14 Tm (writing, )Tj 15.2999 0 0 12.8 153.0552 164.14 Tm (the )Tj 15.1666 0 0 12.8 181.3756 164.14 Tm (Service, )Tj 13.2989 0 0 12.8 246.1966 164.14 Tm (no )Tj 14.3931 0 0 12.8 268.1566 164.14 Tm (doubt, )Tj 16.3904 0 0 12.8 318.4288 164.14 Tm (will )Tj 16.3097 0 0 12.8 355.0128 164.14 Tm (carefully )Tj 15.3757 0 0 12.8 427.0224 164.14 Tm (consider )Tj 15.4821 0 0 12.8 492.8947 164.14 Tm (the )Tj EMC /P <>BDC 16.0424 0 0 12.8 64.5353 151.18 Tm (ultimate )Tj 15.8422 0 0 12.8 131.1208 151.18 Tm (issues )Tj 15.859 0 0 12.8 181.0197 151.18 Tm (of )Tj 16.683 0 0 12.8 203.3534 151.18 Tm (identification, )Tj 17.7409 0 0 12.8 318.6662 151.18 Tm (reliability, )Tj 13.9431 0 0 12.8 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0 12.8 446.4709 490.9 Tm (and )Tj 16.3568 0 0 12.8 475.4923 490.9 Tm (crafted )Tj 14.8684 0 0 12.8 67.8739 478.18 Tm (narrowly )Tj 13.7449 0 0 12.8 134.2431 478.18 Tm (drawn )Tj 15.2097 0 0 12.8 179.3307 478.18 Tm (exceptions )Tj 16.4898 0 0 12.8 259.8517 478.18 Tm (that )Tj 16.2162 0 0 12.8 294.7166 478.18 Tm (precisely )Tj 16.6727 0 0 12.8 367.7535 478.18 Tm (identified )Tj 15.4821 0 0 12.8 447.0546 478.18 Tm (the )Tj 15.6642 0 0 12.8 475.8541 478.18 Tm (tax )Tj 15.4129 0 0 12.8 68.7245 465.22 Tm (information )Tj 16.6357 0 0 12.8 157.8513 465.22 Tm (that )Tj 14.8003 0 0 12.8 193.9882 465.22 Tm (could )Tj 14.3991 0 0 12.8 237.1105 465.22 Tm (be )Tj 15.5682 0 0 12.8 259.025 465.22 Tm (disclosed, )Tj 15.7157 0 0 12.8 338.814 465.22 Tm (to )Tj -0.035 Tc 12.2533 0 0 12.8 359.4767 465.22 Tm (whom )Tj 0.05 Tc 21.6382 0 0 12.8 396.5098 465.22 Tm (it )Tj 14.8003 0 0 12.8 417.6682 465.22 Tm (could )Tj 14.155 0 0 12.8 460.5504 465.22 Tm (be )Tj 15.8403 0 0 12.8 67.9822 452.5 Tm (disclosed, )Tj 14.0997 0 0 12.8 149.5892 452.5 Tm (and )Tj 15.873 0 0 12.8 179.5563 452.5 Tm (for )Tj 13.6811 0 0 12.8 207.5539 452.5 Tm (what )Tj 14.8749 0 0 12.8 244.0752 452.5 Tm (purposes. )Tj EMC /P <>BDC 13.6154 0 0 12.8 104.7363 426.58 Tm (Thus, )Tj 16.5752 0 0 12.8 149.8343 426.58 Tm (in )Tj 14.9727 0 0 12.8 171.0715 426.58 Tm (holding )Tj 16.3439 0 0 12.8 231.0521 426.58 Tm (that )Tj 14.8928 0 0 12.8 266.2273 426.58 Tm (consents )Tj 14.4475 0 0 12.8 331.2084 426.58 Tm (sutmlitted )Tj 13.8409 0 0 12.8 402.4701 426.58 Tm (by )Tj 14.9373 0 0 12.8 424.9762 426.58 Tm (taxpayers )Tj 15.873 0 0 12.8 497.0763 426.58 Tm (for )Tj 16.1353 0 0 12.8 67.7393 413.62 Tm (disclosure )Tj 15.3025 0 0 12.8 149.3453 413.62 Tm (of )Tj 15.1821 0 0 12.8 171.9266 413.62 Tm (information )Tj 15.7157 0 0 12.8 259.374 413.62 Tm (to )Tj 15.2999 0 0 12.8 280.9752 413.62 Tm (the )Tj 15.3128 0 0 12.8 309.2929 413.62 Tm (Social )Tj 15.6073 0 0 12.8 359.4474 413.62 Tm (Security )Tj 15.0959 0 0 12.8 423.7846 413.62 Tm (Administration )Tj -0.0203 Tc 12.8 0 0 12.8 70.1425 400.66 Tm (\(SSA\) )Tj 0.05 Tc 13.8027 0 0 12.8 111.5537 400.66 Tm (were )Tj 15.5493 0 0 12.8 148.7527 400.66 Tm (not )Tj 16.5366 0 0 12.8 178.2588 400.66 Tm (valid )Tj 14.5431 0 0 12.8 221.9757 400.66 Tm (under )Tj 15.8518 0 0 12.8 266.1478 400.66 Tm (section )Tj 14.5261 0 0 12.8 323.7927 400.66 Tm (6103\(c\), )Tj 15.2999 0 0 12.8 388.7352 400.66 Tm (the )Tj 14.2764 0 0 12.8 416.7053 400.66 Tm (Court )Tj 15.0243 0 0 12.8 460.1482 400.66 Tm (of )Tj 14.0575 0 0 12.8 481.1471 400.66 Tm (Appeals )Tj 16.0598 0 0 12.8 68.1942 387.7 Tm (for )Tj 16.0285 0 0 12.8 97.373 387.7 Tm (the )Tj 13.1787 0 0 12.8 126.3924 387.7 Tm (D.C. )Tj 16.3597 0 0 12.8 163.4827 387.7 Tm (Circuit )Tj 14.7532 0 0 12.8 221.9541 387.7 Tm (noted, )Tj 16.2792 0 0 12.8 273.197 387.7 Tm (in )Tj 14.701 0 0 12.8 294.0865 387.7 Tm (Tierney, )Tj 0.0311 Tc 12.8 0 0 12.8 359.3575 387.7 Tm (718 )Tj 0.05 Tc 14.4828 0 0 12.8 387.99 387.7 Tm (F.2d )Tj 17.0763 0 0 12.8 423.8774 387.7 Tm (at )Tj 13.2435 0 0 12.8 445.8379 387.7 Tm (456, )Tj 16.6357 0 0 12.8 482.0913 387.7 Tm (that )Tj 14.4057 0 0 12.8 67.0238 374.98 Tm (Congress )Tj 14.6579 0 0 12.8 133.3921 374.98 Tm (had )Tj 16.8528 0 0 12.8 163.8931 374.98 Tm (specifically )Tj 14.792 0 0 12.8 257.9952 374.98 Tm (provided )Tj 15.6863 0 0 12.8 323.5585 374.98 Tm (for )Tj 15.8059 0 0 12.8 352.3988 374.98 Tm (limited )Tj 15.0595 0 0 12.8 409.259 374.98 Tm (access )Tj 15.7157 0 0 12.8 460.254 374.98 Tm (to )Tj 16.7426 0 0 12.8 481.2483 374.98 Tm (certain )Tj 15.8464 0 0 12.8 68.0936 362.02 Tm (tax )Tj 15.459 0 0 12.8 97.0441 362.02 Tm (information )Tj 14.0716 0 0 12.8 185.2703 362.02 Tm (by )Tj -0.035 Tc 12.3507 0 0 12.8 207.5884 362.02 Tm (SSA )Tj 0.05 Tc 19.4455 0 0 12.8 236.9291 362.02 Tm (i.e., )Tj 13.9314 0 0 12.8 279.669 362.02 Tm (Congress )Tj 13.8782 0 0 12.8 344.3536 362.02 Tm (had )Tj 14.9813 0 0 12.8 373.5064 362.02 Tm (considered )Tj 15.2999 0 0 12.8 453.0552 362.02 Tm (the )Tj 14.3707 0 0 12.8 480.9148 362.02 Tm (needs )Tj 15.3025 0 0 12.8 524.9454 362.02 Tm (of )Tj -0.035 Tc 12.3507 0 0 12.8 67.6684 348.82 Tm (SSA )Tj 0.05 Tc 14.413 0 0 12.8 96.7859 348.82 Tm (and )Tj 15.1899 0 0 12.8 126.3087 348.82 Tm (decided )Tj 13.6811 0 0 12.8 185.234 348.82 Tm (what )Tj 15.8464 0 0 12.8 222.6536 348.82 Tm (tax )Tj 14.9514 0 0 12.8 251.6086 348.82 Tm (information )Tj 13.4494 0 0 12.8 336.9144 348.82 Tm (would )Tj 13.911 0 0 12.8 380.3902 348.82 Tm (be )Tj 15.6534 0 0 12.8 402.0641 348.82 Tm (disclosed )Tj 15.7157 0 0 12.8 474.654 348.82 Tm (to )Tj 16.7817 0 0 12.8 496.2508 348.82 Tm (that )Tj 14.4658 0 0 12.8 67.2653 336.1 Tm (agency. )Tj 14.7171 0 0 12.8 133.1455 336.1 Tm (Accordingly, )Tj 14.9533 0 0 12.8 229.0201 336.1 Tm (although )Tj 15.1998 0 0 12.8 293.7133 336.1 Tm (not )Tj 15.2999 0 0 12.8 323.4552 336.1 Tm (the )Tj 16.1214 0 0 12.8 351.3518 336.1 Tm (basis )Tj 15.4995 0 0 12.8 395.3207 336.1 Tm (for )Tj 19.3991 0 0 12.8 423.8895 336.1 Tm (its )Tj 14.9914 0 0 12.8 452.1115 336.1 Tm (holding, )Tj 15.4821 0 0 12.8 518.0947 336.1 Tm (the )Tj 15.9072 0 0 12.8 67.2569 323.14 Tm (court )Tj 12.8196 0 0 12.8 112.1122 323.14 Tm (saw )Tj 16.0285 0 0 12.8 141.2931 323.14 Tm (the )Tj 15.0901 0 0 12.8 170.3756 323.14 Tm (use )Tj 15.3025 0 0 12.8 199.9853 323.14 Tm (of )Tj 15.0201 0 0 12.8 221.826 323.14 Tm (consents )Tj 15.156 0 0 12.8 286.6179 323.14 Tm (as )Tj 13.9315 0 0 12.8 308.231 323.14 Tm (an )Tj 15.0596 0 0 12.8 329.579 323.14 Tm (attempt )Tj 15.4247 0 0 12.8 388.0148 323.14 Tm (to )Tj 14.3329 0 0 12.8 409.033 323.14 Tm (circumvent )Tj 15.6642 0 0 12.8 488.5741 323.14 Tm (the )Tj 14.5043 0 0 12.8 66.6745 310.18 Tm (narrow )Tj 15.4037 0 0 12.8 118.8553 310.18 Tm (access )Tj 15.688 0 0 12.8 170.4522 310.18 Tm (already )Tj 14.7433 0 0 12.8 228.8082 310.18 Tm (granted. )Tj 15.4247 0 0 12.8 287.2148 310.18 Tm (to )Tj -0.035 Tc 12.0732 0 0 12.8 308.1536 310.18 Tm (SSA )Tj 0.05 Tc 14.3492 0 0 12.8 336.4558 310.18 Tm (under )Tj 15.7745 0 0 12.8 380.3889 310.18 Tm (section )Tj 13.2597 0 0 12.8 438.0491 310.18 Tm (6103. )Tj EMC /P <>BDC /T1_0 1 Tf 0 Tc 72 0 0 72 40.2055 220.18 Tm (I )Tj EMC ET endstream endobj 29 0 obj <>]/Height 3320/Type/XObject>>stream +kQvkےQԀ#%G&6t20U0DɆT""2oQRl[mDjSQ6;#]g|D_7"|hf "$g%hx(;531J7&bi % DK"#9 Gg#Lˣae6p#͌G8aHDDtT:0e荅02蹚dt~#eȏ VPApC dsvPKaR2(3Z%mHx,Ȏp\)q3t0EDqD~[J"6EaP, \3HGGUG!ǹP(prej+A.Dp&Q$ 88tGu3.G B{%*#>f2>z0 :.!v]/fqH03˂ 8p0G# dpGf HiDr5.aH!G lr\r 9YÔ9 9~BXh;Tyx1Κ 9F9C#2 91P9c0\DQBtB"""""""""""""";E#ȃ#йB9"vl2P)8S8RP9Vi¡ (7,VDDD:0b<#DDDD"""""""""$ 4"tQs02`<]2\n8e#N$@r'B#GLTGE.GpGdr#pT. 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15.3712 0 0 12.8 295.1205 409.42 Tm ("benefit" )Tj 17.7088 0 0 12.8 365.3107 409.42 Tm (at )Tj 15.6282 0 0 12.8 387.3511 409.42 Tm (stake )Tj 15.6863 0 0 12.8 431.0785 409.42 Tm (for )Tj 14.8807 0 0 12.8 460.167 409.42 Tm (loan\001 )Tj 15.936 0 0 12.8 68.2096 396.46 Tm (applicants )Tj 13.7966 0 0 12.8 148.3925 396.46 Tm (accompanied )Tj 13.8409 0 0 12.8 235.4301 396.46 Tm (by )Tj 14.0068 0 0 12.8 257.5964 396.46 Tm (comparable )Tj 15.1241 0 0 12.8 336.2355 396.46 Tm (procedural )Tj 16.6291 0 0 12.8 416.1083 396.46 Tm (rights )Tj 16.5752 0 0 12.8 466.8743 396.46 Tm (in )Tj 15.6642 0 0 12.8 488.8141 396.46 Tm (the\001 )Tj 15.056 0 0 12.8 68.4524 383.5 Tm (event )Tj 15.0243 0 0 12.8 112.1481 383.5 Tm (of )Tj 15.941 0 0 12.8 133.9812 383.5 Tm (denial, )Tj 15.9171 0 0 12.8 192.5368 383.5 Tm (cessation )Tj 15.859 0 0 12.8 264.7797 383.5 Tm (or )Tj 15.2995 0 0 12.8 286.7509 383.5 Tm (reduction )Tj 14.7461 0 0 12.8 358.631 383.5 Tm (of )Tj 15.2999 0 0 12.8 380.5752 383.5 Tm (the )Tj 15.9803 0 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)Tj 14.8807 0 0 12.8 257.3671 305.98 Tm (loan )Tj 15.6578 0 0 12.8 292.8526 305.98 Tm (applications\) )Tj 14.9619 0 0 12.8 393.1153 305.98 Tm (processed )Tj 13.8409 0 0 12.8 465.3502 305.98 Tm (by )Tj 16.6796 0 0 12.8 66.7171 293.02 Tm (potential )Tj 15.7014 0 0 12.8 140.7197 293.02 Tm (lenders. )Tj 15.2022 0 0 12.8 213.4664 293.02 Tm (In )Tj 15.8022 0 0 12.8 234.7803 293.02 Tm (other )Tj 13.7164 0 0 12.8 277.6339 293.02 Tm (words, )Tj 0 Tc 12.8 0 0 12.8 328.4031 293.02 Tm (a )Tj 0.05 Tc 14.7513 0 0 12.8 343.7682 293.02 Tm (loan )Tj 16.5326 0 0 12.8 378.7632 293.02 Tm (applicant's )Tj 14.2864 0 0 12.8 465.0749 293.02 Tm (need )Tj 15.859 0 0 12.8 501.6597 293.02 Tm (or )Tj 15.7724 0 0 12.8 67.429 280.06 Tm (strong )Tj 16.2681 0 0 12.8 118.138 280.06 Tm (desire )Tj 15.6863 0 0 12.8 169.9585 280.06 Tm (for )Tj 15.4821 0 0 12.8 198.8946 280.06 Tm (the )Tj 14.8138 0 0 12.8 227.8476 280.06 Tm (loan, )Tj 13.7864 0 0 12.8 270.7926 280.06 Tm (and )Tj 15.6167 0 0 12.8 299.276 280.06 Tm (possibly )Tj 15.8207 0 0 12.8 364.1308 280.06 Tm (also, )Tj 15.2999 0 0 12.8 408.1752 280.06 Tm (the )Tj 14.4002 0 0 12.8 436.146 280.06 Tm (absence )Tj 15.859 0 0 12.8 493.9797 280.06 Tm (of )Tj 13.9315 0 0 12.8 515.831 280.06 Tm (an )Tj 16.9462 0 0 12.8 66.7588 267.34 Tm (alternative )Tj 15.0808 0 0 12.8 154.7991 267.34 Tm (source )Tj 15.0243 0 0 12.8 205.5081 267.34 Tm (of )Tj 16.8761 0 0 12.8 227.3269 267.34 Tm (credit )Tj 16.4898 0 0 12.8 278.5717 267.34 Tm (that )Tj 14.1105 0 0 12.8 313.7595 267.34 Tm (does )Tj 15.1998 0 0 12.8 349.6333 267.34 Tm (not )Tj 15.8021 0 0 12.8 378.9099 267.34 Tm (require )Tj 13.2331 0 0 12.8 436.6637 267.34 Tm (income )Tj 16.9714 0 0 12.8 66.4177 254.38 Tm (verification )Tj 14.0716 0 0 12.8 161.2703 254.38 Tm (by )Tj 14.9341 0 0 12.8 183.6669 254.38 Tm (consent, )Tj 14.6769 0 0 12.8 249.211 254.38 Tm (induces )Tj 15.1178 0 0 12.8 307.3757 254.38 Tm (the )Tj 16.4309 0 0 12.8 335.3243 254.38 Tm (applicant's )Tj 15.0663 0 0 12.8 421.7455 254.38 Tm (consent. )Tj EMC /P <>BDC 12.9261 0 0 12.8 102.8737 228.7 Tm (However, )Tj 15.5549 0 0 12.8 168.6954 228.7 Tm (unlike )Tj 15.2999 0 0 12.8 220.2552 228.7 Tm (the )Tj 13.347 0 0 12.8 248.6097 228.7 Tm (SSI )Tj 16.235 0 0 12.8 277.1919 228.7 Tm (beneficiaries )Tj 15.9832 0 0 12.8 378.5595 228.7 Tm (in )Tj 14.701 0 0 12.8 399.4465 228.7 Tm (Tierney, )Tj 14.8807 0 0 12.8 465.2071 228.7 Tm (loan )Tj 16.043 0 0 12.8 66.0484 215.5 Tm (applicants )Tj 16.331 0 0 12.8 146.4454 215.5 Tm (are )Tj 15.3745 0 0 12.8 175.393 215.5 Tm (not )Tj 13.9482 0 0 12.8 206.1083 215.5 Tm ("compelled" )Tj 15.7157 0 0 12.8 292.254 215.5 Tm (to )Tj 13.8575 0 0 12.8 312.6736 215.5 Tm (waive )Tj 0 Tc 12.8 0 0 12.8 356.0031 215.5 Tm (a )Tj 0.05 Tc 16.5549 0 0 12.8 370.7775 215.5 Tm (statutory )Tj 16.7921 0 0 12.8 442.988 215.5 Tm (right )Tj 16.1372 0 0 12.8 485.8169 215.5 Tm (or )Tj EMC /StyleSpan <>BDC 16.2458 0 0 12.8 65.7567 202.78 Tm (protection )Tj 16.5752 0 0 12.8 146.9543 202.78 Tm (in )Tj 15.4155 0 0 12.8 168.5442 202.78 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171.1892 196.18 Tm (-)Tj /T1_1 1 Tf 7.7 0 0 7.7 178.2267 196.18 Tm (-)Tj /T1_0 1 Tf 12.4 0 0 12.4 187.9892 196.18 Tm (-)Tj 0.05 Tc 16.9675 0 0 9.2 198.0137 196.18 Tm (---)Tj 0 Tc 6.2 0 0 6.2 219.0246 196.18 Tm (-)Tj 9.2 0 0 9.2 225.7081 196.18 Tm (-)Tj 0.05 Tc 25.9193 0 0 12.4 232.7049 196.18 Tm (-----------)Tj EMC /Artifact <>BDC 13.2152 0 0 12.8 68.9568 707.14 Tm (CC:EL:D-4426-95 )Tj /T1_1 1 Tf 0 Tc 9.4 0 0 9.4 288.3705 706.9 Tm (-)Tj 0.05 Tc 9.6057 0 0 9.4 300.1462 706.9 Tm (11)Tj 0 Tc 9.4 0 0 9.4 318.3705 706.9 Tm (\255)Tj EMC /P <>BDC /T1_0 1 Tf 0.05 Tc 19.7561 0 0 12.8 69.6464 681.94 Tm (if )Tj 15.4821 0 0 12.8 91.6146 681.94 Tm (the )Tj 15.3108 0 0 12.8 120.4129 681.94 Tm (Service )Tj 18.1753 0 0 12.8 179.1003 681.94 Tm (is )Tj 16.0422 0 0 12.8 199.9164 681.94 Tm (prohibited )Tj 13.6102 0 0 12.8 280.07 681.94 Tm (by )Tj 13.6761 0 0 12.8 302.7378 681.94 Tm (law )Tj 13.2942 0 0 12.8 331.7462 681.94 Tm (from )Tj 15.628 0 0 12.8 367.6303 681.94 Tm (receiving )Tj 14.105 0 0 12.8 440.1734 681.94 Tm (such\001 )Tj 15.2283 0 0 12.8 69.4462 668.74 Tm (information )Tj 13.4078 0 0 12.8 157.2648 668.74 Tm (from )Tj 15.6322 0 0 12.8 193.5203 668.74 Tm (lenders, )Tj 15.1635 0 0 12.8 258.8957 668.74 Tm (Service )Tj 16.6442 0 0 12.8 316.0771 668.74 Tm (participation )Tj 16.2792 0 0 12.8 418.1569 668.74 Tm (in )Tj 13.8193 0 0 12.8 439.1942 668.74 Tm (programs )Tj 15.7157 0 0 12.8 505.134 668.74 Tm (to\001 )Tj 14.7782 0 0 12.8 69.3635 655.78 Tm (supply )Tj 13.3088 0 0 12.8 120.583 655.78 Tm (income )Tj 16.8781 0 0 12.8 170.818 655.78 Tm (verification )Tj 15.8566 0 0 12.8 266.1477 655.78 Tm (services )Tj 15.7157 0 0 12.8 331.614 655.78 Tm (to )Tj 15.446 0 0 12.8 353.122 655.78 Tm (lenders )Tj 14.6121 0 0 12.8 410.8859 655.78 Tm (should )Tj 14.9046 0 0 12.8 460.8606 655.78 Tm (await )Tj 15.9266 0 0 12.8 505.0377 655.78 Tm (legal\001 )Tj 16.8012 0 0 12.8 69.4323 642.82 Tm (interpretation )Tj 13.5215 0 0 12.8 178.8635 642.82 Tm (from )Tj 15.2999 0 0 12.8 215.4552 642.82 Tm (the )Tj 15.6254 0 0 12.8 243.8929 642.82 Tm (appropriate )Tj 14.0485 0 0 12.8 330.3077 642.82 Tm (Counsel )Tj 15.3114 0 0 12.8 389.3228 642.82 Tm (function )Tj 15.1536 0 0 12.8 454.0311 642.82 Tm (regarding\001 )Tj 15.4821 0 0 12.8 69.5346 629.62 Tm (the )Tj 16.9034 0 0 12.8 97.9593 629.62 Tm (applicability )Tj 15.3025 0 0 12.8 200.2253 629.62 Tm (of )Tj 13.9183 0 0 12.8 222.5756 629.62 Tm (laws )Tj 14.2277 0 0 12.8 258.7316 629.62 Tm (such )Tj 15.156 0 0 12.8 294.2979 629.62 Tm (as )Tj 15.4821 0 0 12.8 316.7347 629.62 Tm (the )Tj 14.4931 0 0 12.8 345.2657 629.62 Tm (Right )Tj 15.7157 0 0 12.8 389.214 629.62 Tm (to )Tj 15.5165 0 0 12.8 410.305 629.62 Tm (Financial )Tj 14.8892 0 0 12.8 482.7858 629.62 Tm (Privacy\001 )Tj 13.7483 0 0 12.8 68.5878 616.66 Tm (Act )Tj 14.0997 0 0 12.8 97.9892 616.66 Tm (and )Tj 15.8464 0 0 12.8 127.6136 616.66 Tm (the )Tj 16.3963 0 0 12.8 156.1407 616.66 Tm (Fair )Tj 15.7686 0 0 12.8 192.5291 616.66 Tm (Credit )Tj 14.7484 0 0 12.8 243.5044 616.66 Tm (Reporting )Tj 13.5921 0 0 12.8 316.0282 616.66 Tm (Act )Tj 16.0068 0 0 12.8 345.7731 616.66 Tm (to )Tj 14.105 0 0 12.8 367.4534 616.66 Tm (such )Tj 14.1304 0 0 12.8 402.7145 616.66 Tm (programs.\001 )Tj EMC /LI_Label <>BDC 14.4412 0 0 12.8 105.4869 590.74 Tm (2. )Tj EMC /LI_Title <>BDC -0.035 Tc 10.5331 0 0 12.8 141.2983 590.74 Tm (We )Tj 0.05 Tc 15.2859 0 0 12.8 163.3931 590.74 Tm (note, )Tj 15.2699 0 0 12.8 207.1112 590.74 Tm (but )Tj 12.9107 0 0 12.8 236.4914 590.74 Tm (do )Tj 15.1998 0 0 12.8 257.9533 590.74 Tm (not )Tj 15.1257 0 0 12.8 287.0983 590.74 Tm (address, )Tj 15.9338 0 0 12.8 352.64 590.74 Tm (issues )Tj 14.105 0 0 12.8 403.4534 590.74 Tm (such )Tj 15.156 0 0 12.8 439.0179 590.74 Tm (as )Tj 15.4821 0 0 12.8 461.2147 590.74 Tm (the )Tj 17.1598 0 0 12.8 68.8273 577.54 Tm (relative )Tj 15.9973 0 0 12.8 134.717 577.54 Tm (likelihood )Tj 15.3025 0 0 12.8 214.3853 577.54 Tm (of )Tj 14.1627 0 0 12.8 236.4748 577.54 Tm (compliance )Tj 16.3088 0 0 12.8 315.5919 577.54 Tm (benefits )Tj 14.3516 0 0 12.8 381.6539 577.54 Tm (flowing )Tj 15.7157 0 0 12.8 439.374 577.54 Tm (to )Tj 15.4821 0 0 12.8 460.9747 577.54 Tm (the )Tj 15.0899 0 0 12.8 489.5371 577.54 Tm (Service )Tj 15.4315 0 0 12.8 68.455 564.58 Tm (as )Tj 0 Tc 12.8 0 0 12.8 90.5631 564.58 Tm (a )Tj 0.05 Tc 17.2075 0 0 12.8 105.3072 564.58 Tm (result )Tj 15.5808 0 0 12.8 156.0625 564.58 Tm (of )Tj 19.6329 0 0 12.8 178.3674 564.58 Tm (its )Tj 16.6868 0 0 12.8 206.6371 564.58 Tm (participation )Tj 16.5752 0 0 12.8 308.9543 564.58 Tm (in )Tj 13.3088 0 0 12.8 330.583 564.58 Tm (income )Tj 16.7849 0 0 12.8 380.5782 564.58 Tm (verification )Tj 13.9674 0 0 12.8 474.4743 564.58 Tm (programs, )Tj 14.5163 0 0 12.8 68.7048 552.82 Tm (and,--the )Tj 15.5781 0 0 12.8 133.676 552.82 Tm (propriety-)Tj -0.0179 Tc 12.8 0 0 12.8 207.2106 552.82 Tm (of--)Tj 0.05 Tc 13.9678 0 0 12.8 228.8009 552.82 Tm (d\261vert-ing-Servi-ce )Tj 0.0439 Tc 12.8 0 0 12.8 358.3844 552.82 Tm (-r-es-ources-away-)Tj 0.05 Tc 13.4351 0 0 12.8 468.0645 552.82 Tm (from----)Tj 13.5579 0 0 12.8 521.5751 552.82 Tm (----\255)Tj 16.9928 0 0 12.8 68.2107 538.66 Tm (direct )Tj 15.8464 0 0 12.8 120.1736 538.66 Tm (tax )Tj 15.8404 0 0 12.8 148.3706 538.66 Tm (administration )Tj 17.6351 0 0 12.8 257.5514 538.66 Tm (activities )Tj 16.5752 0 0 12.8 337.5143 538.66 Tm (in )Tj 14.8441 0 0 12.8 359.5682 538.66 Tm (favor )Tj 15.0243 0 0 12.8 402.5481 538.66 Tm (of )Tj 15.8147 0 0 12.8 424.3083 538.66 Tm (servicing )Tj 15.4821 0 0 12.8 496.7347 538.66 Tm (the )Tj 15.3888 0 0 12.8 68.1513 525.7 Tm (business )Tj 14.3707 0 0 12.8 133.6347 525.7 Tm (needs )Tj 15.5808 0 0 12.8 177.6625 525.7 Tm (of )Tj 15.4939 0 0 12.8 200.2416 525.7 Tm (lenders, )Tj 17.1991 0 0 12.8 264.7561 525.7 Tm (albeit )Tj 13.5198 0 0 12.8 315.4434 525.7 Tm (on )Tj 15.2999 0 0 12.8 337.8552 525.7 Tm (the )Tj 14.3339 0 0 12.8 366.0667 525.7 Tm (assumption, )Tj 16.4865 0 0 12.8 453.2917 525.7 Tm (tested )Tj 15.859 0 0 12.8 503.3397 525.7 Tm (or )Tj 15.6244 0 0 12.8 67.8954 512.74 Tm (untested, )Tj 16.4898 0 0 12.8 141.7717 512.74 Tm (that )Tj 15.8464 0 0 12.8 178.0136 512.74 Tm (tax )Tj 15.6906 0 0 12.8 206.4522 512.74 Tm (administration )Tj -0.0047 Tc 12.8 0 0 12.8 314.5882 512.74 Tm (may )Tj 0.05 Tc 14.155 0 0 12.8 343.9104 512.74 Tm (be )Tj 13.953 0 0 12.8 365.5908 512.74 Tm (advanced )Tj 16.2792 0 0 12.8 431.357 512.74 Tm (in )Tj 15.4821 0 0 12.8 453.0546 512.74 Tm (the )Tj 15.3846 0 0 12.8 480.9558 512.74 Tm (process. )Tj EMC /P <>BDC 15.4786 0 0 12.8 104.9844 487.06 Tm (In )Tj 17.2005 0 0 12.8 126.8896 487.06 Tm (this )Tj 15.2433 0 0 12.8 162.911 487.06 Tm (regard, )Tj -0.0168 Tc 12.8 0 0 12.8 220.2756 487.06 Tm (we )Tj 0.05 Tc 15.964 0 0 12.8 242.6893 487.06 Tm (are )Tj 13.7119 0 0 12.8 271.7534 487.06 Tm (aware )Tj 14.7461 0 0 12.8 315.191 487.06 Tm (of )Tj 0 Tc 12.8 0 0 12.8 336.8032 487.06 Tm (a )Tj 0.05 Tc 14.5304 0 0 12.8 351.0297 487.06 Tm (Fresno, )Tj 15.925 0 0 12.8 408.7674 487.06 Tm (California, )Tj 14.0332 0 0 12.8 67.4344 473.86 Tm (program )Tj 16.6357 0 0 12.8 126.8913 473.86 Tm (that )Tj 14.6208 0 0 12.8 162.4322 473.86 Tm (has )Tj 14.2124 0 0 12.8 191.5104 473.86 Tm (been )Tj 14.8574 0 0 12.8 227.832 473.86 Tm (designed )Tj 13.5198 0 0 12.8 293.1233 473.86 Tm (on )Tj 15.4821 0 0 12.8 315.5347 473.86 Tm (the )Tj 14.596 0 0 12.8 343.435 473.86 Tm (premise )Tj 16.4898 0 0 12.8 402.4117 473.86 Tm (that )Tj 15.4821 0 0 12.8 438.4147 473.86 Tm (the )Tj 15.2371 0 0 12.8 466.7343 473.86 Tm (Service )Tj 16.673 0 0 12.8 67.6282 460.9 Tm (will )Tj 14.3991 0 0 12.8 104.1505 460.9 Tm (be )Tj 14.9153 0 0 12.8 125.9953 460.9 Tm (provided )Tj 15.1128 0 0 12.8 191.4712 460.9 Tm (with )Tj 14.7705 0 0 12.8 228.2956 460.9 Tm (earned )Tj 13.1575 0 0 12.8 279.4644 460.9 Tm (income )Tj 15.4324 0 0 12.8 329.3463 460.9 Tm (data )Tj 16.6357 0 0 12.8 366.1713 460.9 Tm (that )Tj 14.8807 0 0 12.8 402.327 460.9 Tm (loan )Tj 15.7756 0 0 12.8 437.8113 460.9 Tm (applicants )Tj 14.7782 0 0 12.8 68.1635 448.18 Tm (supply )Tj 15.7157 0 0 12.8 119.454 448.18 Tm (to )Tj 15.5217 0 0 12.8 141.2013 448.18 Tm (lenders )Tj 13.9431 0 0 12.8 198.7909 448.18 Tm (and )Tj 14.501 0 0 12.8 227.8249 448.18 Tm (asked, )Tj 14.9879 0 0 12.8 278.1115 448.18 Tm (with )Tj 15.4821 0 0 12.8 315.2947 448.18 Tm (the )Tj 14.8382 0 0 12.8 343.7479 448.18 Tm (consent )Tj 15.0243 0 0 12.8 401.5882 448.18 Tm (of )Tj 15.2999 0 0 12.8 423.7752 448.18 Tm (the )Tj 14.8807 0 0 12.8 452.4871 448.18 Tm (loan )Tj 15.8935 0 0 12.8 67.73 435.22 Tm (applicant, )Tj 15.7157 0 0 12.8 148.494 435.22 Tm (to )Tj 16.6965 0 0 12.8 169.1384 435.22 Tm (verify )Tj 15.4821 0 0 12.8 221.2146 435.22 Tm (the )Tj 14.744 0 0 12.8 249.6623 435.22 Tm (accurac )Tj 15.0243 0 0 12.8 314.7082 435.22 Tm (of )Tj 16.4898 0 0 12.8 336.8917 435.22 Tm (that )Tj 15.6642 0 0 12.8 373.1341 435.22 Tm (tax )Tj 15.2253 0 0 12.8 401.8462 435.22 Tm (informat' )Tj EMC /P <>BDC 0 Tc 12.8 0 0 12.8 82.3975 422.26 Tm (e )Tj 0.05 Tc 15.056 0 0 12.8 96.7724 422.26 Tm (event )Tj 0 Tc 9.1 0 0 9.1 140.5214 422.26 Tm (0 )Tj 12.8 0 0 12.8 162.3231 422.26 Tm (a )Tj 0.05 Tc 16.4829 0 0 12.8 177.0985 422.26 Tm (substantial )Tj 15.0057 0 0 12.8 263.8305 422.26 Tm (discrepancy )Tj 13.9288 0 0 12.8 350.1502 422.26 Tm (between )Tj 15.6642 0 0 12.8 408.8941 422.26 Tm (the )Tj 13.2331 0 0 12.8 437.8637 422.26 Tm (income )Tj 15.4324 0 0 12.8 487.9863 422.26 Tm (data )Tj 15.0385 0 0 12.8 66.9554 409.3 Tm (provided )Tj 16.0068 0 0 12.8 133.6131 409.3 Tm (to )Tj 15.4821 0 0 12.8 155.4546 409.3 Tm (the )Tj 15.4683 0 0 12.8 184.4018 409.3 Tm (lender )Tj 13.7864 0 0 12.8 234.7926 409.3 Tm (and )Tj 16.4898 0 0 12.8 264.4117 409.3 Tm (that )Tj 16.5275 0 0 12.8 300.1886 409.3 Tm (reflected )Tj 16.2792 0 0 12.8 372.5569 409.3 Tm (in )Tj 15.6642 0 0 12.8 394.4941 409.3 Tm (tax )Tj 16.0016 0 0 12.8 422.8296 409.3 Tm (returns )Tj 17.0994 0 0 12.8 480.9821 409.3 Tm (filed )Tj 15.2377 0 0 12.8 66.911 396.58 Tm (with )Tj 15.4821 0 0 12.8 104.5746 396.58 Tm (the )Tj 15.234 0 0 12.8 133.1343 396.58 Tm (Service, )Tj 15.4821 0 0 12.8 199.1346 396.58 Tm (the )Tj 15.4683 0 0 12.8 228.0818 396.58 Tm (lender )Tj 16.3904 0 0 12.8 277.8688 396.58 Tm (will )Tj 17.4786 0 0 12.8 314.1931 396.58 Tm (assist )Tj 15.2999 0 0 12.8 365.4552 396.58 Tm (the )Tj 15.1635 0 0 12.8 394.0157 396.58 Tm (Service )Tj 16.2792 0 0 12.8 451.9969 396.58 Tm (in )Tj 15.3025 0 0 12.8 473.9352 396.58 Tm (taking )Tj 15.7683 0 0 12.8 67.0114 383.62 Tm (appropriate )Tj 14.2581 0 0 12.8 154.6338 383.62 Tm (compliance )Tj 15.9466 0 0 12.8 234.5295 383.62 Tm (action )Tj 15.7796 0 0 12.8 285.1713 383.62 Tm (against )Tj 15.4821 0 0 12.8 343.6147 383.62 Tm (the )Tj 14.7513 0 0 12.8 372.3282 383.62 Tm (loan )Tj 15.9487 0 0 12.8 407.8095 383.62 Tm (applicant. )Tj EMC /LI_Label <>BDC 0 Tc 12.8 0 0 12.8 140.41 357.94 Tm (\225 )Tj EMC /LI_Title <>BDC 0.05 Tc 13.6801 0 0 12.8 175.8459 357.94 Tm (With )Tj 15.8839 0 0 12.8 213.0698 357.94 Tm (respect )Tj 15.7157 0 0 12.8 271.374 357.94 Tm (to )Tj 15.6085 0 0 12.8 292.0554 357.94 Tm (user )Tj 15.26 0 0 12.8 328.8434 357.94 Tm (fees )Tj 15.6499 0 0 12.8 364.4002 357.94 Tm (generally, )Tj -0.035 Tc 12.5805 0 0 12.8 443.4761 357.94 Tm (we )Tj 0.05 Tc 15.2997 0 0 12.8 139.6331 344.74 Tm (note )Tj 16.4898 0 0 12.8 177.0517 344.74 Tm (that )Tj 15.4821 0 0 12.8 213.2946 344.74 Tm (the )Tj 15.1635 0 0 12.8 241.8557 344.74 Tm (Service )Tj 14.4528 0 0 12.8 299.2325 344.74 Tm (has )Tj 14.5337 0 0 12.8 328.4123 344.74 Tm (independent )Tj 16.0896 0 0 12.8 139.7279 332.26 Tm (authority, )Tj 15.7519 0 0 12.8 220.3093 332.26 Tm (separate )Tj 13.1806 0 0 12.8 285.6675 332.26 Tm (from )Tj 14.4983 0 0 12.8 320.3949 332.26 Tm (proposed )Tj 15.6085 0 0 12.8 385.6554 332.26 Tm (user )Tj 15.065 0 0 12.8 422.6857 332.26 Tm (fee )Tj 16.7936 0 0 12.8 140.2299 319.3 Tm (legislation, )Tj 16.0068 0 0 12.8 234.6531 319.3 Tm (to )Tj 14.6061 0 0 12.8 255.9102 319.3 Tm (charge )Tj 15.0995 0 0 12.8 306.4313 319.3 Tm (reasonable )Tj 15.1249 0 0 12.8 386.205 319.3 Tm (fees )Tj 15.873 0 0 12.8 422.1963 319.3 Tm (for )Tj 13.3088 0 0 12.8 140.023 306.34 Tm (income )Tj 16.8781 0 0 12.8 190.018 306.34 Tm (verification )Tj 15.9927 0 0 12.8 284.8657 306.34 Tm (services. )Tj EMC /P <>BDC 15.3456 0 0 12.8 102.6213 280.18 Tm (Disclosures )Tj 0.0305 Tc 12.8 0 0 12.8 189.5481 280.18 Tm (made )Tj 0.05 Tc 15.1626 0 0 12.8 225.8355 280.18 Tm (pursuant )Tj 15.7157 0 0 12.8 292.014 280.18 Tm (to )Tj 14.9417 0 0 12.8 313.5484 280.18 Tm (I.R.C. )Tj /T1_1 1 Tf 0 Tc 10.9 0 0 10.9 362.9707 280.18 Tm (\247 )Tj /T1_0 1 Tf 0.05 Tc 13.6863 0 0 12.8 377.3236 280.18 Tm (6103\(c\) )Tj 15.964 0 0 12.8 434.4493 280.18 Tm (are )Tj 14.5034 0 0 12.8 463.5113 280.18 Tm (covered )Tj 13.8409 0 0 12.8 520.7902 280.18 Tm (by )Tj 15.8464 0 0 12.8 66.6536 267.22 Tm (the )Tj 14.972 0 0 12.8 94.7954 267.22 Tm (procedures )Tj 17.2334 0 0 12.8 175.6476 267.22 Tm (set )Tj 16.3167 0 0 12.8 204.9912 267.22 Tm (forth )Tj 16.2792 0 0 12.8 248.4769 267.22 Tm (in )Tj 14.8512 0 0 12.8 270.3491 267.22 Tm (I.R.C. )Tj 0 Tc 11.8 0 0 11.8 319.6304 267.22 Tm (\247 )Tj 0.05 Tc 13.4596 0 0 12.8 333.8865 267.22 Tm (6103\(p\) )Tj 15.0475 0 0 12.8 386.1948 267.22 Tm (\(2\). )Tj 13.5328 0 0 12.8 427.4063 267.22 Tm (See )Tj 17.168 0 0 12.8 456.2689 267.22 Tm (e.g., )Tj EMC /LI_Label <>BDC 15.1228 0 0 12.8 66.587 254.26 Tm (I.R.C. )Tj EMC /LI_Title <>BDC 0 Tc 11.5 0 0 11.5 116.3572 254.26 Tm (\247 )Tj 0.05 Tc 13.5991 0 0 12.8 130.8447 254.26 Tm (6103\(p\) )Tj 0.0452 Tc 12.8 0 0 12.8 183.6625 254.26 Tm (\(2\) )Tj -0.035 Tc 12.5493 0 0 12.8 205.5056 254.26 Tm (\(B\) )Tj 0.05 Tc 14.8094 0 0 12.8 234.5178 254.26 Tm (\(providing )Tj 16.4898 0 0 12.8 311.9317 254.26 Tm (that )Tj 16.1172 0 0 12.8 347.4693 254.26 Tm (return )Tj 15.0898 0 0 12.8 398.2474 254.26 Tm (information )Tj 15.8287 0 0 12.8 65.8223 241.06 Tm (disclosed )Tj 14.3492 0 0 12.8 138.6958 241.06 Tm (under )Tj 15.4821 0 0 12.8 183.0546 241.06 Tm (the )Tj 15.5797 0 0 12.8 210.956 241.06 Tm (provisions )Tj 15.3025 0 0 12.8 290.9453 241.06 Tm (of )Tj 19.901 0 0 12.8 312.8817 241.06 Tm (title )Tj 0.0314 Tc 12.8 0 0 12.8 355.8175 241.06 Tm (26 )Tj -0.0047 Tc 1.635 0 Td (may )Tj 0.05 Tc 14.155 0 0 12.8 406.0704 241.06 Tm (be )Tj 14.792 0 0 12.8 427.6752 241.06 Tm (provided )Tj 16.5752 0 0 12.8 493.2743 241.06 Tm (in )Tj 14.5956 0 0 12.8 66.0062 228.1 Tm (such )Tj 13.3322 0 0 12.8 103.0257 228.1 Tm (form, )Tj 15.4118 0 0 12.8 146.4845 228.1 Tm (including )Tj 14.473 0 0 12.8 218.648 228.1 Tm (such )Tj 13.4078 0 0 12.8 255.4249 228.1 Tm (form )Tj 15.3025 0 0 12.8 290.7053 228.1 Tm (of )Tj 13.5459 0 0 12.8 312.3211 228.1 Tm (copy )Tj 16.1372 0 0 12.8 348.0569 228.1 Tm (or )Tj 15.1519 0 0 12.8 370.2712 228.1 Tm (reproduction, )Tj 15.4315 0 0 12.8 470.935 228.1 Tm (as )Tj 15.4821 0 0 12.8 493.1347 228.1 Tm (the )Tj 15.6656 0 0 12.8 65.9263 215.14 Tm (Secretary )Tj 14.7792 0 0 12.8 138.5528 215.14 Tm (determines )Tj 14.0179 0 0 12.8 218.2301 215.14 Tm (and, )Tj 16.4898 0 0 12.8 255.2917 215.14 Tm (that )Tj 0.0039 Tc 12.8 0 0 12.8 292.5194 215.14 Tm (U[a] )Tj 0.05 Tc 15.0995 0 0 12.8 326.8313 215.14 Tm (reasonable )Tj 15.065 0 0 12.8 406.6057 215.14 Tm (fee )Tj -0.0047 Tc 12.8 0 0 12.8 434.3481 215.14 Tm (may )Tj 0.05 Tc 14.3991 0 0 12.8 463.4306 215.14 Tm (be )Tj 15.9061 0 0 12.8 65.0363 202.66 Tm (prescribed )Tj 15.6863 0 0 12.8 146.1985 202.66 Tm (for )Tj 15.6219 0 0 12.8 175.2392 202.66 Tm (furnishing )Tj 14.2277 0 0 12.8 254.8916 202.66 Tm (such )Tj 16.0261 0 0 12.8 290.8295 202.66 Tm (return )Tj 15.0958 0 0 12.8 341.1273 202.66 Tm (information.)Tj -0.035 Tc 5.6902 0 0 12.8 423.5942 202.66 Tm (__)Tj /C0_0 1 Tf 3.36 0 0 8.16 429.34 202.66 Tm <007E>Tj /T1_2 1 Tf ( )Tj /T1_1 1 Tf 0 Tc 12.8 0 0 12.8 435.9925 202.66 Tm (t)Tj 5.41 0 Td (_ )Tj EMC /P <>BDC /T1_0 1 Tf 0.05 Tc 13.6755 0 0 12.8 101.1919 176.26 Tm (Moreover, )Tj 15.1228 0 0 12.8 174.827 176.26 Tm (I.R.C. )Tj 0 Tc 11.8 0 0 11.8 224.5903 176.26 Tm (\247 )Tj 0.05 Tc 13.7573 0 0 12.8 238.8668 176.26 Tm (7809\(c\) )Tj 0.0265 Tc 12.8 0 0 12.8 291.4225 176.26 Tm (\(1\) )Tj 0.05 Tc 15.4199 0 0 12.8 317.5842 176.26 Tm (operates )Tj 16.2792 0 0 12.8 382.8769 176.26 Tm (in )Tj 15.1012 0 0 12.8 404.2252 176.26 Tm (conjunction )Tj 14.863 0 0 12.8 490.5117 176.26 Tm (with )Tj 15.4821 0 0 12.8 65.6946 163.3 Tm (the )Tj 15.1751 0 0 12.8 93.8356 163.3 Tm (procedural )Tj 15.5797 0 0 12.8 173.756 163.3 Tm (provisions )Tj 15.3025 0 0 12.8 253.7453 163.3 Tm (of )Tj 15.8518 0 0 12.8 275.7478 163.3 Tm (section )Tj 13.4596 0 0 12.8 333.4065 163.3 Tm (6103\(p\) )Tj 15.2034 0 0 12.8 390.2356 163.3 Tm (providing )Tj 16.5546 0 0 12.8 463.3715 163.3 Tm (that: )Tj EMC /P <>BDC 0.0329 Tc 12.8 0 0 12.8 100.4762 137.62 Tm (Moneys )Tj 0.05 Tc 15.371 0 0 12.8 152.3507 137.62 Tm (received )Tj 16.5752 0 0 12.8 217.7543 137.62 Tm (in )Tj 0.0412 Tc 12.8 0 0 12.8 238.5531 137.62 Tm (paYment )Tj 0.05 Tc 16.3807 0 0 12.8 297.1504 137.62 Tm (for-\255)Tj EMC /LI_Label <>BDC 0.0358 Tc 12.8 0 0 12.8 139.7425 111.7 Tm (\(1\) )Tj EMC /LI_Title <>BDC 0.05 Tc 13.1967 0 0 12.8 165.5549 111.7 Tm (work )Tj 15.859 0 0 12.8 202.3797 111.7 Tm (or )Tj 15.8566 0 0 12.8 224.3877 111.7 Tm (services )Tj 14.2324 0 0 12.8 288.4746 111.7 Tm (performed )Tj 15.1626 0 0 12.8 360.2356 111.7 Tm (pursuant )Tj 16.0068 0 0 12.8 426.4131 111.7 Tm (to )Tj 15.8518 0 0 12.8 448.0678 111.7 Tm (section )Tj 13.5294 0 0 12.8 101.0856 98.74 Tm (6103\(p\) )Tj 16.5139 0 0 12.8 160.8168 98.74 Tm (\(relating )Tj 16.0068 0 0 12.8 231.5331 98.74 Tm (to )Tj 15.3598 0 0 12.8 253.4822 98.74 Tm (furnishing )Tj 15.3025 0 0 12.8 331.7454 98.74 Tm (of )Tj 15.0973 0 0 12.8 353.3452 98.74 Tm (copies )Tj 15.3025 0 0 12.8 403.7454 98.74 Tm (of )Tj 16.0016 0 0 12.8 425.7096 98.74 Tm (returns )Tj 15.859 0 0 12.8 483.1797 98.74 Tm (or )Tj 15.5808 0 0 12.8 100.3825 86.02 Tm (of )Tj 16.2082 0 0 12.8 122.3491 86.02 Tm (return )Tj 15.2961 0 0 12.8 173.3655 86.02 Tm (information\), )Tj EMC ET endstream endobj 64 0 obj <>]/Height 3320/Type/XObject>>stream A#W3 SʙgXFwe9"2gA"1q~x̖uRh-ҽl}Du *$DMJn$"vP) o"9D#GG# ېHGDxu0@) 4BG3c0e GGf2|2 G Caˊ`!&9IȮP܃s@ r8B:#ٛ$#Ď&=֌"8b} 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