BEGIN:VCARD VERSION:3.0 REV:2025-10-29T05:59:24Z N;CHARSET=utf-8:Zelm;David;;; FN;CHARSET=utf-8:David Zelm ORG;CHARSET=utf-8:Young & Associates TITLE;CHARSET=utf-8:Regional Consultant EMAIL;INTERNET:david.zelm@yagroup.com TEL;PREF;WORK:(715) 928-1604 URL;WORK: URL;WORK:https://www.linkedin.com/in/dave-zelm/ PHOTO;ENCODING=b;TYPE=JPEG:/9j/7gAhQWRvYmUAZIAAAAABAwAQAwIDBgAAAAAAAAAAAAAA AP/bAIQADAgICAkIDAkJDBELCgsRFQ8MDA8VGBMTFRMTGBEMDAwMDAwRDAwMDAwMDAwMDAwMDAw MDAwMDAwMDAwMDAwMDAENCwsNDg0QDg4QFA4ODhQUDg4ODhQRDAwMDAwREQwMDAwMDBEMDAwMDA wMDAwMDAwMDAwMDAwMDAwMDAwMDAwM/8IAEQgAyADIAwEiAAIRAQMRAf/EAKwAAAEFAQEBAAAAA AAAAAAAAAIAAQQFBgMHCAEBAAAAAAAAAAAAAAAAAAAAABAAAQQCAgICAQQDAQAAAAAAAwABAgQR BRIGECETFCIgcDEjQRUHJBEAAgEDAQQFBQ4CCQUBAAAAAQIDABESITFBIgRRYTJCExBxUmJTIDC BkaFygpKisiMzQwWxFEDw0cLSY3ODJFDB4tM0FRIBAAAAAAAAAAAAAAAAAAAAcP/aAAwDAQECEQ MRAAAAhImBYkAiYFjYFOwKJgWJAp2GZ0MnYZOhnSGRInMTAp0AiQCJgWJgWcTpMm3hno+x6HnYe i0plG78gUSBRIZOicxsAiQCJgWNgOPajDsYU80lpXTSV2izDoujEHGegQDBN35Ap0MnRPY2ARMM xIBiArYBotJnezCmV887WHCWLoHQEO4GWzXonnxzZ0CnRZsSAYkAiQMCwqCEVUBp52TsTVTpmRN ivN3PTrHBaMvm5kccBvcQQESBRIs2JHNujAIkBQ2dER4RxwNLnNqei5LY8zx6VpAJFjJnDTAMgZ m7RkVYQQUSLNiQCJAD0YoYvZiv5Tooewy2pNy/NFQspINdKrrgXPrGKUKuScK2ZEGTosOnPsAxs A3RjJRmqS5rOUIs9Lkph6lAy80OvOCbeyxE02HLM9SuuqKyOLEgU6LQjc5t0EBjRjMzssYcxLsS ekyzG1tPpTFUu+yAcyvmj9YtgMMkhMSARIu26Mc26Mcx6sVnmPsGFMx15EWodGGtq+7OUiOxC6B 1OdlA2oK0dKUzXE8y6rUbMerHJuonNujHCtg58rI1rVgzq7oW2gzdqT64OxWdtTenG8FzlRWesI VisuYJQ0ekCWNNhUeb1BuqfOI0nSj0BVTufEiq35kfQUxk+VM1J53b7G2Dz/KrJG9zFmRfMWhnV c0RKjgjowINAjprMejYRM0jQPnkaS0w6PqHp8tI+m8T40j1kvJEfRnmGCRpeWfRolnUf//aAAgB AgABBQD9qf/aAAgBAwABBQD9qf/aAAgBAQABBQDCwnTssJ29uywmTrCdvD+cfpx5/wAuyx4wsLC wsLCx4dYWPbtlPle1hYWFjwywsJ2ZO3jHjHh2TsnZOydkMBSuHSXCtLrF3Buv7UcSiKKWPWMJ2d Y9OywsLHnCwsLHjCwsIhBhhXJKw9AUcVxxZYZMzYLWCaGw6qEjWap6pcL14x4dk7J2WGWFhYdYW FhWbEKw4TnZMF/hlQG0IBkzNGWXiop2ZbDW1rwdlrDUDYWP04WFhYWFhOyLOIh2CzLOhJhMBmJY p+hDfCjPEgtlNFOzJ2WyoCuAsVyVzYTL+F7WFhOnWFhOzp2WzsciO7LW0SWggoFE1Z8DFJ5MGP5 xk7NB5OmZnUop4s67Rrfxx+h2fw7LHnCOX4hEzKQoZnp5DgpcJzJNuFL1AQ/yaDMzuzKDs6dk8V dFAgij+MjrCwsLHjCwsJ1snfEn4vCfunYmFVtpyuGecY1Lw3Ym1qAhHfUCQbb693AQJIZT/wAm9 y2MOF928YWE7eMJ/DrdW4gck7ZXjO7CQ7Z3VCcpz1+rclG2xqhSi5kGIxCa7X/OqASV0IryaTok mjPdQ47XCwsJ2WFhYWFhO3rcMOdic4xezaHFQtvy63/dapZYPdNSauQppyVE9muatuakw0tgUhK BySTvh7xmHY7ABobLCwmZYWFhYWFhbW29WrcacmPWDOU61aLCrMSfUKebQINEewpBvVbXSSinX6 3fDKqG1CA4EQGeMiN+XY3aFUt3/WardAEK9jzhYWFhOy7RPjSLD1MLO/1os4q8WXURtFRZmjOUI Qt7Oq0hGjNDQ4vgcEV/fajQjS2Zfs9V3zM1tYWPWFhYWE67NBpmJh3nH0YvF68G46IrQlCwOcXi zPt7URbjXbGbSonyOvMTxIaEVIrSftduJJ9Vg93UbSxGze8BwQTssJ2WE8ct2Y8YbMNuMolPF4S sR+V9jiXXtmL79/ZaU0NLd19Y/Zmhe2ETOGzrb8SChsXz/s4Tie1DjYN9y11kzUquFhYVCOKGE7 LCwnb12uWN180ouS7gfOUnqVWMW/sKhYVHFCNF5zVrlAtors+s2MROfYElGvfmw7l4oQa4UWu9b H9u5hY8CH8QMLCdk7LC7qLhalJmYmVGcmlAJGGOkYq1fXdsSNXqlrHZdT2TWvPYQJCpGRLVgnGF aZ2OWTnKEMfsaexZEZ28YTR9OyeLri6wsLu9ckq5M4aPOYKzc6ho5jtqAza3sE4nF2Jmju9lI4r 9OtOdUzhLMjOCocjmHF5Pr4O9cdR67O3v+VhYZcU8VhOydluqH3qBm4yDGMngSMCRHEo7ADClVu EgwrZ5LZXCOeoUdmB2aN3YynejIpHMOc5Po9J/5duKA7Mmw+E7LiuKwsJ4riuK7j16YDijJnaH5 CMOEbE3jGkwJ16QhTHEZCilKMTbKbjtgcRharXm2J9bogV41gRFG60JWwi+Ym/0o62lh2fUTfis J2WFhOyKUIY3NzpnDfrsCcHaMwvNnqFf5KAyuXXFrkIWbVas7cpiPZiE0K5Tj69omoVRRdn2+3p 6arp6ux2sNXqBURrvXXKmu7PxTxTxXFPFOy7KMn2yydNFrMTiJWmMkovMmRU7MhArDhCjsSSvGb WX9mXVdD18GDW1eshr/jvRAD7rnBp6OyBMZArtvbIawUzkKXinimHKS2fZtDrHu/8AS4ZN37spX 1PYL1u6aEmYzkHOUa2xDZ1ZhyhVLFqQmckdY8oC2Wlp2C92aETdk29p+mdaPv7cpfXHtdjAx2m0 5VRfDW7P2WGuDauFOX5Wycoa4dv/ANIqjfadq3mzWXWfGknFtqWLujh5IbvWLE0ZsRmdRzCRJGs Lq3TZbOtVFGpA3WuvbBqbg19Tebt9gV5O66rrGMfsm9hrK202E7Z4SypxaL9k7Re7Fbd8p1nxL0 gwchalwNxFh7sC/sxJmay2WMzrrusNu9pWrAqV3ZpNYpB+O7ct2XaEmeWBxe2HRdf3m5NfO7szT k7u9lnX/9oACAECAgY/ACn/2gAIAQMCBj8AKf/aAAgBAQEGPwDX3Nv+l9Xv1o0Leau6t+k/2VcP GT0G4q4i8QD2ZDH4qwlRkYd1gQfl/oeUhxHyn5tAxjEdep0+7QA+Pprrqx8mMyrKDuYX/jTSci3 hSeyfVD81+5Rh5hDFIO63R0j0l/oGTasewnSf8NZScbnZ0DqtUcA1dzZzsoDoFXoUKtWleHOt7d hx2lPqmsH4o21jl2BgP76+/NI+xR8fVRkbVj8g6KaV/MPhpZm16+ugT5ABQv5Lb/I0Mg7WqkbiN jCmhl7am1+kel76IF7K9rrb/wAfJYABevbRVtCp0+OhfQCrDWtdvTVgNTWvuF5yMdnSTzdPvjP0 bPPuq+0/96GQJF9bUqLpatNp1oKOnZQO7ZVzpV91ae4aJhwyKVPw00Z7rEfEa096VRs21rpQYGx Gw0Hvt3U+Z4DovVQltwA7RSi+hoPLKiKeki9ArMLG+Ol7/DQynRRuOWnx1lE4feSNnltXMJ0SN/ H3saZMVFh10Wtr56uTpv1riY6bt1J0sawZQclsVapIWJjMbEAHbpRcMXfeTc0C7NJa3DbTTzUsr sAy6Kovj5taBDNiLaXt8neoG3w+QX2VzQ6ZCR5iMve8m27ABRjA1Xbbd9KiAwy321NXuCPiqE7F zvfaNKGltKk/dYQZ0cAyINqEcOXrI1AqsjE7lsov96gz8nPOu+xYWoCTl+a5OQDhlVfFBt0xSdr 61PBNZWADQcwFbwpAddjccUntEq0ljuAFyPjIFWqENbCRsWv1ipGTYQpxGpFhbi93r5S42tcKej SobNxBATfpOutX8UjeQTpffXbB+G/8KAReHpNAgcMa6/DQG6pOU5gEwyizWNjR/lpwQNmQ/jQLt C4vcrk63+RqCOsZA3ZEj5FWraKDuUm32r1Y69ezyBySpU5K/QwPDUPOrF483MFY5JHPCCdW07VM YVxSVFlVRsGYyKr9L3lQSAGcBekk6GtRsAX4hatldkUCdu4UTsLGxoVkVLW6KJLadWpq+2++tK2 Vruq9YFQzNcAHoO36tft7RsJA7xq7AW2ZDiHzqhXevLxA/EfeeSi1s82R8yij16+Sw29FZk3JGl Qqp0I+WgBe4Gpq4I+bvrmI1uiB7pf5awJNyaVX1bea4q0NXtYddDfGb4te2oHF/GpeQyDIrpID6 Jvk9SSJ2AQkfzU4F8scobhkRXFtO0Mvdcst7CKMka72O37NAXueneaNt2tEnUClKkqVNxY6fD6V QZOoQnebWJ6b0YZucmW3a/lXwHwuvFUqwz8xMtwVTmHysvpetlR5iFgpdbG2y4HVSIDd0VWJ3Mv Cl1+nQkWzKo06b0NcSTiBfXKiVIuBe/mpzjZQpLAg2yA2U0rXxBOKHXZwLw/Or9xAYFfBzAAtZi ME0+lx1by8r0+BF9xfcmlCg6RLlfp1oEHQb6tvO+id5rBmtbVnvoqgXdvWqOHkuXHLcvGDkdC8h 9ORzxcXoUiyEKhGQPX2uK3pUwhAEzAE697vWb2eL1JcNFCVCpKovqG8Ps+vUCm+HiAZDhIVyfCU j0lWmR2tIHswTYHvxishoUDN0Wtql19agzHLIGwXZ6vrdtqXiJlJKkrc3B4NUol1ZyuTrY7Qvbt 9HsVzcQBSCbl2bTuspyjv7iKL2aKn1QF91yzjTNGDHeddtD4vIAu3dVgliws1jRVYGdid24mhDO gWIkEDIE6cWLqteMOYWGQgY4plqO9xGiZpFlglLASLtxY5PnH2U9OlgkQmV2U47ddE7XcmfFXyo A8ZBbxAw2uNJHB9DHsUzE4yOlus30pA4GUKhbAXAvwqMfVftVdB2GxfXUsOJvo8bY1I5yXhK2It otz9lf065hYHOBUo7A2BD9pcfg9xtuen3XLToNI3Kt52HAa826gtwLkC/RffRUn8RCbpvIHs/Sq OOY+GCfpHdgqHizdqBVvwlFlitYg6hs2v+Z86sSOEkWYebs10jcfPSLKMopCcksDfo292v5tezM wUKNeyccmcebgapCSL4khmGNgOJPrL3aWWVWSMlu0NxH4fzfQqLxlx8ZGVpBYFihCq0n0KkkjID JkFcr0a6elw9/8ATqVg4IlubncCPvevV2uHkVTe+0W4T71Ly+OTWyj17y6ijtBU79tZaXGuvRV2 jDm/ZNyPNwkUH4A9lZ4rvornBCr8WXF3aEqjK114FLFcTifFZv1KzKNgpIYqdDvBPzasmUTMLnf gV1yauXOhZFJJ2atxcVeG4zVnjYKLAMV7ir7GBWrnuWZsY45GVgBcFk4lao4y7RlwmS7AxXZs9X iqLhxMIEh36jIu0nrR9ihy0YLCWMmS9xiJR3fmrR/mNGZgCRqth2FArBAFCKq2AtuvVvev/wBLl l/48pCygdxz2T8ySrEb7W89Ek22gefdTG5wJTMDS5AULky91JPFpp4rEsSSjk6MTZ2a9s09nJUo S6svE69ri7LNxcTLR5qVj4rhQUvoExKtLl+pxL4SpWdsZUaO4Fibv2H4vaLUR5R18Pl0QjG92ZS dMrflyOXky/UqadEDw4obZXzJUrm1vt1zBYDxQCA18gdLyxxev3f9N+CmG3ICVm2HXRsf8FRllO RF7tqxIHD2qGPd102VKZArPltIvSxwxqztuxGnXR54RFuY5RcpRCt2ePv3jHbaLt0MTLY7zHp97 3eUsixqdhY2qSGVjzEcilXRFupB9d8aQKLK2xt2nZa9EMLhTvO8GmxJYEEFTvU9rL5lPGwyQDB1 J1KsLZg93hqGWO1yXe52BQcS9/Z+HUyKvDHdVcNewIvjGrYtxZd6hKvC3NqZmF9qxnJTMtsvCS3 hRYUJC58XmGBV12EHvFPRjxogy6xqEZgNW07uX9Y6EPKxCSZnVY3hY2GKjP1VWWRqjys0xQCRhs y6fW4axU67Adth8NF5mUSEfhQA8Ttu07kfrUsyhiZCzSysCFvfYt+1VyLyHVj1+Qn9vdVg5pfGl 5df0pCeNMe6kv5mPu8zfBVUL1Ai+lE03LubMdUPm2imilS5uTptt6tEqTcaA78TwsPq0pft3GLe kqi2BPq1LzJORZTCiHe7anh9kifmUhljBDMGLZ8TkG7RLjxfl+nSSg2Z7ohuSwjTWV3Ye0/Jjjo iOMoHQeHcWAIQI407PHQk59zzchYsctOKw2rTZeFyqZZPkQNfvdmsuSHix7PE7CEeplxPj6lSQr zcnJmJj4mKIrnHhbw2kzZUW3bxpng5WKcx28SaYmaSRtrt4kuWLL6lJJELRuoKgaaHyNynJtlzb aM47nUv+Z9ynllbKWQ3Zm6fLwi/mopzPNK8y7YIfxXv14cCfSeiv7fyII3Scw+t/wDSh/8AZVkm jhHRHEo+/nR5f9zmbmhzIxQyG+JXW3qRtRtsoSKbMpyBpHIsRrptB7y1+FxLlp1A7KCSYlLk2Yd NKrjZxJpwA7Ox2uOkymWGMM4fI6BWAZrevRMXLvzIFh4hsNnoBvTavD5HlljG95WytbXAY4rjV2 5psDewjIUfYpubmdk5PlWBaRuLxJb3WHi7WP6tW52CMQRG8bRGwUX4bXw+lTpC4eANdJLWdh7Nn 78KN+XQjXUsbADpNQw70RVPntTxQOA44ZJBtBOyKL/M9P2dNJNxMx+AVY0/McxIsMEQvJLIQqqP WY0Yv2eD+YI0/mp7qn+1Av4j/wC5RXmebfwj+jH+HH9SPH7VWFafHV77KhzNsslBPSylV+1Vjoe ihppsNMoPDoSKH9daOQyvQaM2NASuXx2X2fBUn7rzsLTcpHcQcupxPMOp7x4f+PH6v51CGblY4Y jsiMSqo+zSzNyURddhQY/ZS1LGgTluVgFgoGKjf9JmoRpdeWjN0Q7WPtJP7i1rR56Vfw4dI77C/ T9CnVHAnIuW9AHf/qP+nRkkJsDZF2hR/ibv0FOh3HcfNVqykJh5KIn+W5QHhUem/tJ278lWGzyW GzyY9G3z0iDQkjWpIz/9ENi3Q67M/nr+rQIFNMo1KjTzba8SI+cbjQDjFuvZW2of2+EkK/FNIO5 Ev5j/ANyP16j5bl1EcMKhI0G5VFhVmFx0HWpHgjVJ8Tgw04rdVYsTiK11ou+wbBvJqGSS3isgKK d8jjL6qd6mLSFhkT5ydr/O+5WTajcOmrj+ywoBr8OmX9tf/9k= END:VCARD