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Item D21 E/32 BOARD OF COUNTY COMMISSIONERS C ounty of M onroe Mayor David Rice, District 4 Mayor Pro Tem Craig Cates, District 1 The Florida Keys Michelle Coldiron, District 2 Vacant, District 3 Holly Merrill Raschein, District 5 County Commission Meeting May 18, 2022 Agenda Item Number: D.21 Agenda Item Summary #10579 BULK ITEM: Yes DEPARTMENT: Project Management TIME APPROXIMATE: STAFF CONTACT: Jordan Salinger (305) 570-9156 n/a AGENDA ITEM WORDING: Approval of a Fifth Amendment to the Contract Agreement for Engineering Design and Permitting Services for the Rowell's Waterfront Park development with S&ME, Inc. in the not-to-exceed amount of $21,500.00. This amendment is funded by the one-cent infrastructure sales tax. ITEM BACKGROUND: Monroe County is in the process of developing the previously named s Marina into a community park. S&ME, Inc. is the Engineer of Record for the project. This Fifth Amendment encompasses two separate changes to the design. The first change is for a revised survey and the second change is for the addition of a video surveillance system. The County obtained a survey for the property in 2018 in which the survey datum was provided in NAVD88. The Monroe County Building Department requires survey datum in NGVD29 for permit applications. This amendment includes an updated survey with conversion of the datum from NAVD88 to NGVD29. The County desires to have the entire park equipped with video surveillance for park safety and security. This amendment includes design drawings for the addition of a park-wide video surveillance system including the ability for the County to have remote access to the video feed. PREVIOUS RELEVANT BOCC ACTION: 6/21/17 BOCC approved a Contract Agreement with the Consultant (rescinded and replaced from the BOCC action on May 17, 2017) for the engineering design and permitting through construction 6/7/18 County Administrator approved a First Amendment to the Contract Agreement with S&ME, Inc. for additional services including geotechnical field exploration. 9/15/21 BOCC approved Second Amendment to the Contract Agreement with S&ME, Inc. for assistance with the preparation and submission of the CDGB-CV grant application. 10/20/21 BOCC approved Third Amendment to the Contract Agreement with S&ME, Inc. for additional CDGB-CV grant application requirements. 11/17/21 BOCC approved Fourth Amendment to the Contract Agreement with S&ME, Inc. for Phase II of the project adding extended parking areas, restroom building, multi-use path and event lawn to the park. Qbdlfu!Qh/!7:3 E/32 CONTRACT/AGREEMENT CHANGES: Add video surveillance system and correct survey datum error STAFF RECOMMENDATION: Approval of 5th Amendment DOCUMENTATION: Amendment #5_S&ME_Rowells Park_legal stamped Contract+Amends_S&ME_Rowells Design_EXEC COI_S&ME_exp. 7.1.22 FINANCIAL IMPACT: Effective Date: 5/18/22 Expiration Date: TBD Total Dollar Value of Contract: $21,500.00 (NTE) Total Cost to County: $21,500.00 Current Year Portion: $21,500.00 Budgeted: Yes Source of Funds: 304-25005 (previously 25000 CC1901) CPI: n/a Indirect Costs: n/a Estimated Ongoing Costs Not Included in above dollar amounts: Revenue Producing: no If yes, amount: Grant: no County Match: n/a Insurance Required: Yes on file Additional Details: Total Contract w/ Amend. 1 thru 5: $422,594.00 304-25005 (previously 25000-CC1901) 05/18/22 304-25000 · CULTURE & RECREATION PRO $21,500.00 new cost center 25005 REVIEWED BY: Cary Knight Completed 05/02/2022 2:13 PM Kevin Wilson Completed 05/02/2022 2:46 PM Joseph DiNovo Completed 05/02/2022 3:16 PM Purchasing Completed 05/02/2022 3:22 PM Budget and Finance Completed 05/02/2022 3:31 PM Brian Bradley Completed 05/03/2022 10:10 AM Lindsey Ballard Completed 05/03/2022 1:50 PM Qbdlfu!Qh/!7:4 E/32 Board of County Commissioners Pending 05/18/2022 9:00 AM Qbdlfu!Qh/!7:5 E/32/b Buubdinfou;!Bnfoenfou!$6`T'NF`Spxfmmt!Qbsl`mfhbm!tubnqfe!\\Sfwjtjpo!2^!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!7:6 E/32/b Buubdinfou;!Bnfoenfou!$6`T'NF`Spxfmmt!Qbsl`mfhbm!tubnqfe!\\Sfwjtjpo!2^!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!7:7 E/32/c FOURTH AMENDMENT TO THE CONTRACT AGREEMENT FOR ENGINEERING DESIGN AND PERMITTING SERVICES FOR ROWELL’S WATERFRONT PARK This Fourth Amendment to the Agreement (hereinafter, “Amendment”), between Owner and Engineer for the Engineering Design and Permitting Services for Rowell’s Waterfront Park, entered into between th MONROE COUNTY (“County”) and S&ME, Inc. (“Consultant”), is made and entered into this 17day of November 2021, in order to amend the Contract Agreement as follows: Witnesseth WHEREAS, on June 21, 2017, the BOCC approved a Contract Agreement with the Consultant (rescinded and replaced from the BOCC action on May 17, 2017) for the engineering design and permitting through construction administration for the development of Rowell’s Waterfront Park; and WHEREAS, on June 7, 2018, a First Amendment to the Contract Agreement was entered into adding geotechnical field exploration to the Consultant’s scope of services in order to obtain information and recommendations for site preparation and foundation support for the proposed restroom building; and WHEREAS, on September 15, 2021, a Second Amendment to the Contract Agreement was entered into adding services to assist in the preparation and submission of a special grant called the Community Development Block Grant Coronavirus Relief (CDGB-CV); and WHEREAS, on October 20, 2021, a Third Amendment to the Contract Agreement was entered into adding design of a site layout and opinion of probable construction cost estimate as required by the special CDGB- CV grant; and WHEREAS, the County desires to continue with Phase II of the redevelopment of Rowell’s Waterfront Park which includes expanded parking area, office/restroom building, multi-use path and event lawn. NOW, THEREFORE, in consideration of the mutual promises and covenants set forth below, the parties agree as follows: 1) In accordance with Article III, Additional Services, Subsection 3.1, of the Contract Agreement, Consultant shall provide design and engineering services for Phase II of the park redevelopment. Scope of Work shall include the following tasks: Task 1: Geotechnical – Consultant shall provide geotechnical engineering services, which will include a subsurface soil exploration program for the proposed project. The proposed improvements will include a new restroom/office building, paved parking/drive areas, and extension of the existing multiuse path, which will include a low retaining wall/seawall. Stormwater runoff from the project will be directed to a new pond or an exfiltration system. Neither structural loading information for the new building nor site grading plans are Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* available. It is assumed that the new building will be a one-story structure with slab-on- grade concrete floors and concrete masonry exterior and interior walls. Wall loads are Page 1 of 9 Qbdlfu!Qh/!7:8 E/32/c assumed to be on the order of 1 to 3 kips per lineal foot (klf) and floor loads are assumed to no more than 150 pounds per square foot (psf). It is also assumed that up to 2 feet of fill would be needed to raise the building, parking, and multiuse path to final grade(s), and that the depth of the proposed stormwater pond will be less than 10 feet. The purposes of this geotechnical field exploration program are to obtain information about the general subsurface conditions at the project site, to evaluate those conditions with respect to the proposed construction, and to provide geotechnical engineering recommendations for site preparation, foundation support, pavement design, and stormwater design. Services shall be directed and supervised by a registered professional engineer specializing in geotechnical engineering. A report that describes the subsurface conditions and presents our design recommendations will be submitted. Task 1.1: Field Exploration - The field exploration will consist of drilling Standard Penetration Test (SPT) borings and auger borings. The proposed exploration quantities, types, and depths are presented in the following table. Description Exploration Quantity and Proposed Depth Type (feet) Restroom/Office Building 1 SPT Boring 15 Parking/Driving Areas3 Auger Borings5 Multi-Use Path and 1 Auger Boring 5 Retaining Wall 1 SPT Boring 15 Stormwater Pond2 SPT Borings 20 The Standard Penetration Test (SPT) with split-spoon soil sampling will be conducted in general accordance with ASTM D1586. Sampling and testing (SPT N-values) will be continuous in the upper ten feet, then at five-foot intervals thereafter. Representative soil samples obtained from the borings will be sealed in clean, airtight containers for transport to the office of the Consultant for further classification and examination. The depth to groundwater, if encountered, will be measured in the boreholes during drilling. All drilling, testing, and sampling will be conducted in general accordance with applicable ASTM standards. The SPT boreholes will be backfilled with cement grout upon completion. The auger boreholes will be backfilled with drill cuttings and native materials. Drill cuttings and excess drilling fluid will be spread on grassed areas near the boreholes, unless otherwise directed. Containerization of drill cuttings and fluid is not included in this proposal. In addition to the soil borings, a cased-hole field hydraulic conductivity test will be conducted near one of the borings drilled in the proposed stormwater pond area. The test conducted for the proposed exfiltration systems will be in general accordance with South Florida Water Management District (SFWMD) procedures Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* for exfiltration system designs. Each test will be conducted as either a “falling- head” test or as a “constant-head” test depending on the encountered conditions. Page 2 of 9 Qbdlfu!Qh/!7:9 E/32/c Test data will be evaluated and used to calculate the horizontal hydraulic conductivity at the depth interval at which the test was conducted. Task 1.2: Laboratory Testing – At the completion of field activities, all samples will be transported to the Consultant’s laboratory where they will be classified visually by a geotechnical engineer in general accordance with the Unified Soil Classification System. If necessary, the engineer will select representative soil samples for laboratory testing to provide data for soil classification and for correlation to strength and compressibility parameters. The laboratory program may include tests for percent fines, organic content, and moisture content. All laboratory testing will be conducted in general accordance with ASTM or other widely accepted standards. Task 1.3: Engineering and Report Preparation Services – Upon completion of the field exploration, laboratory testing, and evaluation phases, a written report that describes the encountered subsurface conditions and summarizes our findings and design recommendations will be submitted. That report will include: o Summaries of the field and laboratory test procedures, and the results obtained. o Summaries of the site conditions and the encountered subsurface conditions and groundwater levels. o A general evaluation of site and subsurface conditions with respect to the proposed construction. o Recommendations for site earthwork preparation and general guidelines for foundation design and construction. The report will also discuss potential construction problems that may be anticipated at the site, such as difficult excavation, dewatering, undercutting, etc. o Recommendations for excavatability, suitability, and limitations of excavated materials for reuse as fill. o Recommendations for structural fill, compaction, and undercutting, as required. o Recommendations for foundation design with an evaluation of viable alternates. An economic comparison of alternatives is not included. Consultant shall conduct analyses and provide an allowable soil bearing capacity and corresponding estimates of total and differential settlements. Design recommendations for slab-on-grade. o Recommendations for pavement design for flexible and rigid pavements. o Recommendations for stormwater pond design. Task 2: Site Design and Engineering Task 2.1: Project Management – The Consultant shall attend/participate in the following meetings during the design development and construction document phase: Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* o One (1) kickoff meeting/conference call with the County and the design team to review the scope of services and design intent. Page 3 of 9 Qbdlfu!Qh/!7:: E/32/c o Team Coordination Meetings. Up to six (6) 1-hour phone calls have been assumed for this task. These calls will be used for coordinating with the design team for the project. o Client Coordination Meetings. Up to four (4) 1-hour phone calls have been assumed for this task. These calls will be used for coordinating with the County for the project. o 50% Construction Plan Page Turn and plan review. Upon submittal of a 50% plan set, the Consultant shall schedule a page turn review meeting with the County and the design team to review the plans and to receive comments and feedback. o 90% Construction Plan Page Turn and plan review. Upon submittal of a 90% plan set, the Consultant shall schedule a page turn review meeting with the County and the design team to review the plans and to receive comments and feedback. o Pre-Application meeting with the County. This is assumed to be an in- person meeting for 2 hours each for the Project Manager and Design Engineer. o Consultant Project Manager shall attend up to two (2), 2-hour on-site meetings for permitting agency coordination: totaling 4 hours. Task 2.2: Civil Engineering - Design Development and Construction Documents – Based upon the County approved concept plan, the Consultant shall prepare Construction Documents for the civil/site improvements. Any County comments or value engineering (VE) / budget changes will be incorporated into the 50% Construction Document plan set. Any substantial changes to the design or project scope after approval of the 50% Construction Document plan set will constitute additional services. The following construction drawings are anticipated to be included: Cover Page, Civil General Notes and Abbreviations, Demolition and Erosion Control Plan and Details, Site and Location Plan and Details, Grading and Drainage Plans and Details, and Utility Plans and Details. The Consultant shall prepare the above-mentioned plans, as appropriate in accordance with the current issue of Monroe County Land Development Regulations, FDEP Criteria and the Manual on Uniform Control Devices. Delivery of the construction documents will be provided in the design milestones listed below: o 50% Construction Documents (CD) Plans and Specifications. o 90% Construction Documents (CD) Plans and Specifications. o 100% Construction Documents (CD) / Bid & Permit Plans and Specifications. The Consultant will create a drainage report to be used for permitting. This report will be part of the 100% Construction Documents (CD) / Bid & Permit Plans Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* package. Page 4 of 9 Qbdlfu!Qh/!811 E/32/c A PDF copy of the plans will be sent to the County prior to each of the design milestones listed above and will be sent in accordance with the agreed upon project schedule as mentioned below in this proposal. Additionally, the Consultant will send AutoCAD 2021 files (or design team agreed upon version) to the other disciplines comprising the design team for coordination. The County will issue comments upon review of each design milestone submittal listed above. The Consultant shall address all comments and incorporate design changes in the following design milestone submittal package. This IFB set of drawings shall be considered the final drawing set and last deliverable set of drawings during the design phase. Task 2.3: Landscape Architecture - Design Development and Construction Documents – Upon approval of the Conceptual Site Design, Consultant will proceed into the Design Development and Construction Document phase of the project. County comments or VE / budget changes will be incorporated into the Construction Document plan set. o Based upon the approved Conceptual Site Design, Consultant will submit 50%, 90% and 100% construction documents addressing Project hardscape finishes, site furnishings and landscape as well as irrigation design. o The drawings will include material specifications, details and notes for hardscape, site furnishings and landscape. o The landscape plan will include the location, size, and type of all landscape materials to be used on site and the general location and type of all existing vegetation to be preserved in the area of improvement. o Based upon the County’s review and approval of the landscape construction documents, the Consultant shall prepare irrigation plans for the proposed landscaping. o The irrigation plans will be consistent with the Code landscape requirements. The irrigation plan for the site to show zone layout, valves, specifications, controller location, details and sleeve locations. o The Consultant shall submit the irrigation construction documents to the County as a part of the final construction documents. o The Consultant shall attend one (1) meeting following each submittal with the County to review the construction documents. Input received will be reflected in the subsequent submittal. o The Consultant shall assist the County in developing an opinion of probable construction costs by addressing landscape, hardscape and irrigation related items. Task 2.4: Permitting / Agency Coordination – The Consultant shall prepare and submit permit application packages and submit appropriate construction drawings, Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* calculations and required supporting documentation for permitting approval to the following agencies: Page 5 of 9 Qbdlfu!Qh/!812 E/32/c o MONROE COUNTY: The Consultant shall prepare a Monroe County Site Development application package to be submitted to Monroe County for review and approval. The Consultant shall address all comments from the County’s Engineering, Planning, Zoning, and Utility Departments. o FLORIDA KEYS AQUEDUCT AUTHORITY (FKAA): The Consultant shall prepare a FKAA application package to be submitted to FKAA for review and approval. The Consultant will address all comments from the Utility Department. o FLORIDA DEPARTMENT OF ENVIRONMENTAL PROTECTION (FDEP) 10-2: Based on the current concept plan, the proposed project meets the criteria for the FDEP 10-2 self-certification program. The Consultant shall prepare and submit the FDEP 10-2 form to FDEP. o FLORIDA DEPARTMENT OF ENVIRONMENTAL PROTECTION (FDEP) Water: Upon approval from FKAA, the Consultant shall prepare and submit the FDEP “Notice of Intent to Use the General Permit for Construction of Water Main Extensions for PWS’s” application. o FLORIDA DEPARTMENT OF ENVIRONMENTAL PROTECTION (FDEP) Wastewater: Upon approval from FKAA, the Consultant shall prepare and submit the FDEP “Notification/Application for Constructing a Domestic Wastewater Collection/Transmission System” application. o FLORIDA DEPARTMENT OF ENVIRONMENTAL PROTECTION (FDEP) Notice of Intent: Working with the project contractor, the Consultant shall prepare the required FDEP Notice of Intent for the contractor to submit. Task 2.5: Bidding Assistance – Once Construction Documents have been accepted by the County, the Consultant shall: o Respond to all applicable Pre-Bid Questions and Requests for Information (RFIs) from potential bidders during the bid solicitation process. o Assist as requested in evaluating the impact of proposed value engineering, scope reductions, and substitution requests of the successful bidder. o Attend one (1) virtual pre-bid meeting. o Assist in the evaluation of bids as needed. Task 2.6: Construction Administration – The Consultant shall perform the following services: o Attend virtual pre-construction meeting with the County. o Provide project representation by visiting the site periodically during construction to observe the progress and quality of the construction work to determine if it is proceeding in general accordance with the contract documents. o Review and respond to normal and customary contractor requests for Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* information (RFI’s). o Review shop drawing submittals supplied by the Contractor for conformance with the design concept of the project and information given Page 6 of 9 Qbdlfu!Qh/!813 E/32/c in the contract documents. All submittals shall be returned within five (5) business days after receipt from the County for review. o Bi-Weekly County/Consultant/Contractor calls. o Review/approve contractor pay apps. Task 2.7: Project Close-out Services – The Consultant shall perform the following services during the Project Closeout Phase of the project: o Complete a final construction observation visit to determine if the project has been completed in substantial accordance with the Contract Documents. Once the project has been completed in accordance with the Contract Documents, the Consultant will prepare a Certification of Substantial Completion for the Civil Work. o Review the Contractor provided as-built drawings for compliance with the permitted plans and conditions. o Prepare record drawings from as-built information provided by the Contractor’s licensed surveyor concerning changes made during the construction process. These drawings will be submitted to the County and permitting agencies as part of the final certification packages to close out construction permits. Final certification packages will be sent to Monroe County, FKAA, and FDEP. Task 3 – Architectural, Structural and MEP Design and Engineering – Bender & Associates Architects will provide all architectural, structural, mechanical, electrical, and plumbing services required for the design of a second restroom building on the site, as well as site lighting for an event lawn located on the site. Bender & Associates Architects will utilize HNGS Engineers for MEP services, and Keister Webb Structural Engineers for structural design. Design team will work with MUSCO Lighting to lay out the lighting plan and calculate the photometrics. HNGS will then provide electrical drawings showing power to all the light fixtures. Deliverables will include: o Schematic Design Coordination with the design team and County personnel to program and design the restrooms and event field Schematic Design Documents and code analysis report o 65% Construction Documents Architectural construction documents Specifications Construction cost estimate Project coordination o 100% Construction Documents Architectural construction documents Specifications Construction cost estimate Project coordination Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* o Permitting o Bidding Phase Pre-bid conference on site Page 7 of 9 Qbdlfu!Qh/!814 E/32/c Addenda and responses to bidder questions Bid review and recommendation o Construction Phase Services Up to five (5) site visits RFI’s, submittal review, issue bulletins Project closeout 2) Article VII, Subsection 7.3.1, of the Contract Agreement is hereby amended to provide that Reimbursable Expenses shall require written pre-approval by the County and expenses may include: o Expenses of transportation and living expenses in connection with travel authorized by the County. Travel expense reimbursements are subject to the limitations of Section 112.061, Florida Statutes. o Fees paid for securing approval of authorities having jurisdiction over the project. o Costs of reproducing maps or drawings or other materials used in performing the scope of services. 3) In accordance with Article VII, Subsection 7.1.1, of the Contract Agreement, the County shall pay the Consultant a not-to-exceed fee of Two Hundred Twelve Thousand Five-Hundred and 00/100 Dollars ($212,500.00) paid monthly on a percent complete basis for each task, as described above in the Scope of Work, for the following tasks: a. Task 1: Geotechnical - $6,500.00 lump sum upon completion of testing, submission of written geotechnical report and approval by the Director of Project Management. b. Task 2: Site Design and Engineering i. Task 2.1: Project Management - $7,600.00 lump sum paid on a percent complete of task and upon approval by the Director of Project Management. ii. Task 2.2: Civil Engineering - $35,700.00 lump sum paid on a percent complete of task and upon approval by the Director of Project Management. iii. Task 2.3: Landscape Architecture - $20,500.00 lump sum paid on a percent complete of task and upon approval by the Director of Project Management. iv. Task 2.4: Permitting/Agency Coordination - $21,500.00 lump sum upon receipt/approval of permits and approval by the Director of Project Management. v. Task 2.5: Bidding Assistance - $5,500.00 lump sum upon completion of bidding phase and approval by the Director of Project Management. vi. Task 2.6: Construction Administration - $26,500.00 lump sum paid on a percent complete of task and upon approval by the Director of Project Management. vii. Task 2.7: Project Close-Out Services - $4,500.00 lump sum upon project completion and approval by the Director of Project Management. c. Task 3: Architectural, Structural and MEP Design and Engineering - $80,200.00 lump sum paid on a percent complete of task and upon approval by the Director of Project Management. d. Reimbursable Expenses - $4,000.00 not-to-exceed dollar amount upon submission of backup documentation and approval by the Director of Project Management. 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Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!871 E/32/c Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!872 E/32/c Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!873 E/32/c Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!874 E/32/c Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!875 E/32/c Buubdinfou;!Dpousbdu,Bnfoet`T'NF`Spxfmmt!Eftjho`FYFD!!)6ui!Bnfoenfou!up!Bhsffnfou!x0!T'NF!gps!Spxfmm(t!Qbsl* Qbdlfu!Qh/!876 E/32/d Approved Risk Management 11-19-2021 Qbdlfu!Qh/!877