BEGIN:VCARD
VERSION:3.0
N:Carranza;Fernando;R.;;JD\, CPA
FN:Fernando R. Carranza\, JD\, CPA
ORG:Carranza Law Group\, Inc.
TITLE:Attorney and Certified Public Accountant
TEL;TYPE=WORK,VOICE:+1-708-416-0034
EMAIL;TYPE=INTERNET,WORK:fcarranza@frclaw.us
URL:https://www.linkedin.com/in/frcarranza
URL;TYPE=WORK:https://fcpaymentslawyer.com
ADR;TYPE=WORK:;;;Chicago;IL;;USA
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQEASABIAAD/2wBDAAYEBQYFBAYGBQY
 HBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/
 2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoK
 CgoKCgoKCgoKCgoKCj/wAARCAEAAQADASIAAhEBAxEB/8QAGwAAAwADAQEAAAAAAAAAAAAAAA
 ECAwUGBwT/xAA8EAABBAECBAQDBgUDAwUAAAABAAIDEQQFIQYSMUETUWFxIjKBBxRCkbHRIzN
 SocEkcvAVYvEWQ1OC4f/EABoBAQEAAwEBAAAAAAAAAAAAAAABAgMEBQb/xAAkEQEBAQACAgIC
 AgMBAAAAAAAAAQIDESExBBITQTJRBRQiYf/aAAwDAQACEQMRAD8A8VATQAmFkxKkwE00CATpA
 VBAgEwE6TAQACKVIQIBFKqRSoVITTpBNJ0qjY6R3LG1z3eTRf6L6W6bnObzNxJ6uvkWN1J7qz
 Gr6j5KRSzT400H8+KSP/c0hYgrLL6LLPZUik6RSqJpFKqSpBNIVUlSCUlSKQSkqSpQTSKVUik
 EUkrpJBCdIHRMIAJoCoBAgEwEwFQCBAJgJgJ0qEAnSYCdIiaQFQC3nDfDs+szNO7Mbu8dSPT0
 9VhvcxO6zxi7vWWu0rTMrVMrwMOPmd+Jx2a33K7rS+A4Iw12Y52Q/u3o38v3Xa6JomPpmIyHG
 jbGxv4q6/v7rYsjc0fBGXHuSvJ5vma1es+I9r4/wcYnevNc7j6EI2iOCNrYxt8NBZRozAOTlk
 u7NOXXY2LdktG/bqrkwQGO8NgBJ6ErmmrfbpuJPDzzUNDa6P8AhgnsQVyGqcNtDncjDFJf4Rt
 +S9hycNvKefYjamjZaPUdOY4Fwuj5HotuOXWL3K174c7nVjxTLwp8R9TN2ug4dCsFL0XVNPae
 dsjWvadnCuq4rVtOdhSlzbMDjsf6fQr0+D5E3417eT8j4t4/OfTXpUqSXU4ySpUikEIpVSVIq
 aSpUilBKVKkqQTSSpKkEUmAgKgEAAqAQEwgAqpATAQACdIAVBVCAQnSCg23DGju1jUWw8pMLd
 5K7+Q+q9r03So8HHjYwdaFrlvsq05rdPGQ5vxSEuv+w/svQJ2AyMrt0C8f5nLda+v9Pa+FxTO
 Pt/aTCeUb8gqttyV9eNAQy2sc7zJWdkRLmGhQHdbrCwvEYb53mvwjYLlxx3VduuSZnlp4w5rr
 JAH+F9MbeY0Hdh2WwdiBnMAWAj6psiqLdxB9lsnFYw/LK0eVEObl2N9iFr8vHoH4AugfCHS2e
 b9l82Vj3zEON0sblnNT0841rDAc5wbve4XManhscw20OjeKNrv9bxzzHcHzC5XOx/8ATPsdFl
 i9MN5leZahhuwskxmzG7djj5eS+al2XEOH4+nlzR/EYOYUuOG4Xr/H5PyZ8+3h/J4vx78eiSp
 UlS3udNJUqISQTSFVJIqaSTQglJUkoIAVAIAVBABUAkAqAVDCAEwmAiCkwEJhAqQVVKoYzLNH
 GOr3Bv5lCPaeBmiHR8aM2CI29evRdixhkDT1IXI6JAWtEcXw8rW0e4/5S7PT2ODGtI5ivA5fO
 6+i4fGJGyxWj4bG4HutziSgN+QO/wBzv8LWxRvquldVssXGBNPK28Us9MOXq+2aSW+nIPYLEW
 2Pm28qTyMAtBcx1hfNAXjIZE67Oy3Xv9tWZOu4iRnKDR7r4Ml9BwB/NbqeAfELG3VarLbG2Mm
 r8lq1ituNOW1JnPZItc3qWPUJHYrptR5i8+GDyjZafUmgQlaurG3vtyOdC1sDmnypebSM5JXs
 H4XEf3XperPIL/6aXnGUKy5x/wB5/Veh8L9vM+f+mCkKqSpdzzk0kqpKkEJFUQlSKlCdIQSkq
 pJBIVAJAKggbQqASCoIgTATQAgdIATTCBdl2vD/AATPqOnNzdPzYZtQh5ZX4Tfma3qATexIXF
 OHwn2XtPAGkHG1J+q47i2aXHhII6OHhsNfmub5PJcSdPQ+BwY5rq6/UbjhyMOleCKIaNvLfou
 rgHgb7AAAgrRaPyP1jNdGKaSHAe/ZbXUpJWxNjhIEjhQJ7e4XBMy3uu3uzw+PiHiWHToueSXw
 w0i6aT1Xw4X2lYQs5DJw1prxPDPKiXO4Y4fHja9kwvyiLcXjnfXt5e65Lif7QOCtRm+74OI6a
 QgcvhMDOq3Szrwx13b09T03i3D1QBmJJ8RPR21BfVh6nBmapkmNwd93Ze3TdeD4GdiSzQt03K
 yIXSHwwxw3F9l7Xwxp8OFo0vhEuc5lveerj6rG779M5iZnliOvMkiypHSABjuTr5FaLU+MNMx
 +RkmQ2w2uq4P7QMz7lLLD94dHG6T5Aa5nFabRsPh+d4fqWqTeGTTnxghhPlzH5vpamfPtd9zx
 l2reL8TJk5cadj281Gj0WbIyBPFzCjR7L4MHReBsqI/9Hz4ZJ6oOEvxfkVgDJdOzHQOLpMdxp
 sjuqXq+IxzbJ5fHq7R4bvcBec54/wBdkVvTyvSdWaXcrLrmdVrlNfA0rOZp0ELHQZTJHzSPbb
 y4Cwb7Lbw7/HWrk4L8iXq+nMpKh0Speg8dNIpUkghSrU0gRUqkkUlKpJAgFQCAqaiABUEBMIG
 E0UmAgEwgICAXuX2dzuyODIph80ELYtuvwuc3/AXhy9h+yXIc3hlzOW4XzvxnkdWlxa5rvzv8
 1zfLz3h6P+Mt/LZ/cdFw1hy4PiR5DzLK+pXB53bzWQB9CFvtZxcifFDMWV0T3NoSEh3L7bLTT
 Sudrs7ZGOjlaxjXtHQlo5dvMGrW9wcpr2GOYAsGxvp7BeZf6elJ3bXBQfZ/pcWoNzMvL8XJsl
 zs15cHnuSCtbicDaPo2p/esGbx3MssZGznDTvX4RdXta9dfiyuZ4mBNLEO9xtJP1O6wt0ebLm
 DtS1GV0I/9lm1+5r9Fvzd9fWJZx9/bTi+BeFcbEOTmx4kjRISC6Z9g31LW9j7LutPAZg5MQr4
 BfXosuTLGzlhjLGRxig0dgsOE0DGy3tPzN/ysZnyy7+3l4px3pn/AFXOyAAXckhG3kQRt6p4H
 B+nT8MOwnmfmdI2UZEjQ6RhArlvy3Oy3WoRmLUclrjuXk/S1t9MEr47gkEUvcEW13uFZq59Fx
 nVs08/h+zmLF0eWHGMX3hzmuGS0gcgHRoFn63dq9Eh1PEIwNRkOSGfy5HXdfsvT5MbUZoDePg
 l1dXsP6had2lyRZByMr7uCBQYxxLfoTv9CpeS69sLxZzOsuT4hyvukTJS0ktka2qqrNWue40k
 DtTEoO/3ZrG+7jZP5D+62/GcnNiZDGMc+SVzGRNG55i4foAVyet5IycoFptjRyg+dfDf9lv4c
 /bcaeXf4uDVn78NchNJeg8RJSVJIJKkqkiglJNJFJJNJAwqCQVBEMJhIKggaYQEIBMBIKggKX
 q/2KZUbsHVMN5HOx7Z2t89q/wvKV9+h6tlaLqDMzBcGyNFEHo4dwVhy4++bG/4vLOHkmr6e8a
 2OTXcLJbbTkREuHlTqC6fAih+Bzmgntt0XjfDHEGXr+rZmRmEAtawRsb0YBfRdw7Wn4hiDr5X
 bA+q83XH9b1XqTlm73n09FOZBBiSAjetlw+o8SPkzfuengyZL9qb+EdyfILmuM+L5cd0Wm4JH
 37IFlzj8MTf6nf83WThnVdC0LEIOQ+fMlP8WZzbdIb7DsL6BZXvU8N3H9Meb7dPDJBC2VuTOz
 7x0Nndb/FEcelPeJGcziGgXvS804izeGdZzYzmPlORG4sZyNcOZwNEbdaOy1Gsa1n6eytKy4s
 jDj7F3xM9N+qymLGV5M2+234qxxJq8QjeGk7nfssXCeYI86fDncHeFIQw31C84ydXdqWa6TMy
 3MmDhZDy2vT2XTaUYRzudJs4AhzXb+9rG4vROTOq9nY8Oxq6bdlx3EjCXyAuNEUtfovEkkUjs
 HMfzSBvNG8HZ7f3HdTq+pNyJeW9zutchu9Tw5jVg2SHLjjJE0jfDicDu0nqR9CVw2dG2HKdBH
 syECIfQUum1DWo8afIY6JzpmEPiI6WRvfp0XJElzi5xtxNknuV2/HxZ5rzfmc2biceb/7QlSa
 RXU85KSoqUCSVKSgkqVRUopJJpIKCoJAKgiGFQUhUEDTpAQgAqSTQACaEIOl+z/IEOrysca8S
 L9D/APq9VGM3MwA7YuY8OB9bXgbdXboubiZDhYMgDvRnRx/Ir2Th7Vg6OaDmBdXM0efsuTnz/
 wBdu34++suW+1bBm0fX49TZZiyGtaD2BAO35laLTcLiCbCxcyXD8KNvKWkgWaPXlHZdj9pmbF
 qukaawt5xHlNDh6dCF6EMeGTFhaGsaQwBtdKpc/wBriO7Gc8mr28ax9Pne7HL8zGhfGX/C5r2
 GiSa6eoN+icei6g3nc3KwjGG9GzgA72Qb6/8AhexYsen47i3MjYWGyWE9vNc7qGNwxl5Ehijw
 5A13LyuKzllnfbonDx+u3jOpYjw97fBjLzsSyRpAHutVMciDlEbaMbQ34ZQaonfb3Xsep8PaO
 WEQY2MyPyY0WVrsXhzF3aIGRxN7VVp95I07+PJfFcB9n82ZqPEenY7TKS2XcPPRvKeb/nqvQs
 91axO0HaJtH3JT+zyDE0eTiDOfFGySFzo2u70d9vda2TK5YpciX55XGQjyHYLG+dNXf1z05bV
 n+JqWQ7tzUPpsvkVPcXPc49SbKlelJ1OnkavdtCRTSREpKkigmlJVqCgkqVfZSglCaSKsJhIK
 giGFQUhUEDTCSYQNAQEIGnSQTtBz3FbTzY7vwEOb9V33AmonN0DEyoXB2bgEQZEd7uaPkd9Rt
 7hclrrGP0rI56+EczT5G9lzmh6vk6RnjKwn08Dlew/LI3uD6LVy4+88e27h5PpfPp71xViRS6
 U7KjoQTgOG/wAj77LpuDtTGVp7YJ5g6WMhoPmOnXueq800LirH1vSsnEsssWYjuYnf5F91t4c
 wHF8GVrmSROLYyHUS6vmNei5c4+0ub7df5vx6ms+nrjtMGUCygbFbrzTP4Uwv/UTo3yGAbAMs
 jmPoei07eIMvFa6JuozFrRZHP0bWwv8A51Kxt1dw1KMZLrt3I74r5SPxJOL6uj/ZmndS6OzHj
 YGjZg2JN7Lm9f1l2M0wY7gJn7NeflYbrfyWLK1jKi5oPvBfCHBpaeoB2G/le6+ecRQ48khaXy
 lho3RB26H8QN9+iY4fPemPL8qWfXDVYTZooXwSPNPf4sv7LmOKuJgzVsfTschx8QfeCOwOwYP
 1P0W04i1Zmj6RLPY8Yjlib/U49D7BeV6LDJl6rCXFznuk53OPU72StnFn7X7OXm19c/V6IhFp
 BdbiNJCSBJKkkCUnoqUlBJUqlJQhFJCSKyBUFIVBEMKgkEwgaYSTQMJqbUTTRwxl8r2sYO7jS
 DKvgz9Ux8Rptwkl7Mad/r5LVarrodG+LDBoijIdj9Auea74iT0TskbLP1WbPiAcBHHd8jT+vm
 ta8WLHVDDyuLD7hM9FGSsXLlx52SwyOhnYba9porstF4z+PwtXaGNcK+8RNuvUt/ZcO5oco+O
 PpuPIrHWZWWdWPRsqOfIdPkadJHkQSEOtjr37fv8ARfLC7NjyHCaIl0jfmaehv/Iq/wDyuGx8
 t+PKJIJZIJR+JjiF1WjcbTYwDdQxo8xo6PaQ1/7FatTU9eW3GsX34dRguzMktY9rmgjeT1B2A
 9NgsnFHEeNpbD4rhJkEfDGOvv6BcbrPHWflue3CiZiRnYH5nAfouRke+WR0k8jpHnq5xslSZ1
 r+TK7xj+Pmvt1XU8nV8ozZTtvwsHRoXTcKYDYcT706jJKKH/a2/wBVx8W7h5Lb6TrcmnEwujE
 kLnXV0QfRbsyRz6t15rt6QF8uBn4+dHz47782nZw9wvqCzYGpTSQJCEIEpVJFBCkqipQiUISR
 WRU1IKmohhUFjkkZEwvle1jR3caWpzNfgi2xmmZ3mdgg3S+bIzcfGvxpmtP9PU/kuVy9ZzMkF
 vP4TD+GPb+/Va6zuT1U7Xp0eXxFsRixf/Z/7LR5OVNkyF8zy93r29vJYUgN07OjBQEi20qKir
 2cKPbv5Iuvm/MKGkgqv9qolwI3CkuIV2Lo/Cf7I5fQH2UGMuY7qFjLGdisrmA9j+SxmNBiLfV
 AFLJ4R9VQhPkp0qYzRtSDzzDyG5Vuj/qcGj0U2K5YwfdA4J5IZRJC9zHjo5porpNN4le0Bmcz
 nH/yM2P1C5xkdDdWAk7iPQsTLgy2c2PK148h1H0WdecxvdG4OY4tcOhBorcYfEGVE3lmDZgO7
 tj+aylTp1qFo4OI4HGpopI/UfEFtMbMx8kfwJmOPle/5KozlIpqSgkqUypKEJSmUkVmC+HUNT
 iw7aP4kv8ASOg91k1Kc4+HI9pp/Rp9SuRkcSSTZJO5RFZmVLlyc8zy49h2HssAtMjumoyTSKV
 IRCpFICYCKQCdeaKTCIXKEuWlSdIILbUGMdrHsswRSKw04dHlP4/61Z6JVsgx/wAQ/jU+G53V
 5KzAeSdIMAgb33VhoHRZKSUGOrKKpWUqQRRQLVICBbpscWmwSCOhCdIpB0Oka3sIc0+gk/f91
 vgQ5oLSCD0IXAAUthpeoy4jwOYuhv4mH9QrKnTrSpKA4OAc02CLB80lUIqUypKK1PEORcrYAd
 mC3e5WkKzZMrpZXvdu5xsrAiQnIQgFRQg7BJvkeqmc00IQxurAUx9FQQJNCAEDQhCKO9oCfdC
 BJJ3skgEBAQiAqaVJIpUkAqQgggICaFAUikBNUKkgqCl3b1QdJw7meLjmB/zR7t9WrakrjdOy
 DjZTJewNEeY7rsQQRYNg7gpEIqUypVHIuO6lIndCgSHdLS80xuEU2EHdYco7tHqiJ1SFvqpyv
 nYiPoaKCYQPkCYQIhACZQEAEICOvRABMJdk7QLsgeiK6pIp+aSYQEQkEIpHZFJCEBAkdk0dkE
 oPQ+iaVbIBptTIae31SYadSmf+dGoKHVdToeR42EGE/FF8P07LlT8y2mgT+FmhhNNkHL9eysH
 SJJqSqjj0ile6ZKgXbdJh3pB6KQacisbvhyQfNE55p2gIm/mxn1CTBz5RPkoPsHRAS801kgQE
 kxagYSQEAeqACLpA2CED7pIQEB0Q0X3S9UNKKaAl3R2QCEIQIIQkgaElLjsgiX4ZGO7dCpk3y
 GDyCb/ijI7jdRGbyPYBQWfnKyRuLHhzeoNhYbt7lkb6oOzikEsLJB0c0FVa+DRZOfTY7/CS3+
 6+21UceUkFK9kU7WJxWRRILCBP3kjPrf8AZPEbu93movZp9aWVhEcPqVIMyawscSLVgqoq0BL
 qVSBgpIR5oDshCLRQEJBHmgaAhLugaSaCgSEdEd0CQhCBKTvaaRUGIGn+iwxmpZD5LNINwV8/
 Qv8AU0oRmhG1nusnQEqWCmpSu5Yz6qjo+HjeA4eTytmtXw2P9C8+b/8AC2lKo//Z
END:VCARD
