BEGIN:VCARD
VERSION:3.0
REV:2026-05-04T03:54:47Z
N;CHARSET=utf-8:Balder;Monica;;;
FN;CHARSET=utf-8:Monica Balder
ORG;CHARSET=utf-8:Baird & Warner
TITLE;CHARSET=utf-8:Broker
EMAIL;INTERNET;WORK:monica.balder@bairdwarner.com
TEL;PREF;CELL:(847) 800-7350
ADR;WORK;POSTAL;CHARSET=utf-8:;;200 North Milwaukee Avenue;Libertyville;Ill
 inois;60048;
URL:http://monicabalder.bairdwarner.com
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQAAAQABAAD/2wBDAAUDBAQEAwUEBAQF
 BQUGBwwIBwcHBw8LCwkMEQ8SEhEPERETFhwXExQaFRERGCEYGh0dHx8fExciJCIeJBweHx7/2wB
 DAQUFBQcGBw4ICA4eFBEUHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh
 4eHh4eHh4eHh7/wAARCADcAJYDASIAAhEBAxEB/8QAHQAAAAYDAQAAAAAAAAAAAAAAAQIDBgcIA
 AQFCf/EAEEQAAEDAwMCAwYDBQYFBQEAAAECAwQABREGEiEHMRNBYQgiMlFxgRSRoSNCscHRFiRS
 YnKCFTOSovFTY3Oys+H/xAAaAQACAwEBAAAAAAAAAAAAAAAAAQIDBAUG/8QAJhEAAwACAgICAgI
 DAQAAAAAAAAECAxEEIRIxIkETUTJhBUKhkf/aAAwDAQACEQMRAD8AsgkUYChCaME1aQCpFGAowT
 RkpoAKBQhNHCaMBxQAmE/Ks20pihAoASCcUOKUxWbaAEwKECj4rMUAEx6UGKUxQYoATxzQEUpto
 MUAEIoMUfFYBSAJWUbFZRoAEpowTRwmjJTTAIE0YJo4TRgmgAgTQhNKJTRgmgBPZWbKVCa5er77
 b9Mabm366uluJEb3rx3UewSPUngUgN7bzgAk+goShQHKVflVLOovVHWmrZLrsqdIs9pwSxBjPeE
 nB7eIoHcon/wKa9q1FfLapuVbtQSkPp+ACW5kEHPz/jVTzL6ResD+y/YGazbVWOmXtAanhXmNZ9
 WxEXCCVBC5IBS+2Cfiz2Xj5Hy86tUwpt5lDzSwttaQpCk9lAjINTi1XorvG59hNtBtpbbWbamQE
 NtF20vtoCKANcigxSpT50XFACePSso+KygA6U0olNClNKJTQAUJoQilQnihCaAE0powTSgTRwni
 gBEJqsXtc6xLmo4Ol2nD+Bt5EiWkH/mPEe6k/TI4+Zq0Tqm2WlvOkJbbSVLJ8kjk/pVCupT8vUm
 qET2UeK/croFAHz3uEIHoPhrNyL0tfs0caPJt/o5Ei1KmBPjPZXtLi+c5V/8AztXKjWxmMsurc+
 FfIz8qfmpNDX60zEtBqfJefbLa1sxgppsn5HOVH7Dk4GaJrbptcLFDZU9JDrr0fxQhptS1AJyVZ
 HHkKyTk/wCnR/D09/Q1GrlHbD60AKWrCQTyQMjt61cD2atSG/dOWochZVLtSzFXu7lHdB/I4+1U
 tuNjft1o/wCLiR4kXxUtupUyULaUrG0kHIwfmDVg/ZIvxa1W7an1bVS2NpGe5SNyf51bjrxtGbL
 HlD/9LO44oMUsU0Uprec8R20UppcpopFAGuRRSml1CiFNACOMVlKYrKAFkppRKaFCaUSmgAqU0d
 KaOlNGApbBIIE0YCjgUOKQ9Dd6jSDD0Fe5AUElMJwA/VJH86pjbylNwsa08bZ8YknywsGrcdeXz
 G6TXxwEjc0lskfJSgD/ABqlWoZqotnS+2SFh9K0c9iPhH5isXK7aR0OH0my0k67OfjI1phsNGSn
 9rIfc+FhoHuSfMngD+lN3Wt98C/QX1Wp1xthvD6tyVtrQT72CPl3FbmjHrPrnTNv1LB/DvyHCh4
 JeSFpbcSCClaTwcEqHP1rk69tNwlOhb9ptMPDoV+IhIDbuAeBuGMDj+Nc+IS6Z3HSpbQyPaVmQv
 7ATo0RttDR8MoCEgAkqBB/nTa6I3Ndt1Tp+6qIScpS55Z2qH8ia5ntLXlMyRCtkPiOl9O/H721B
 CfzOT+VaOlnXItmt68EKbeI+g5q+V440c7M1eVr+j0MwCMjtRcelNzpfqBnUejIMtLiVSG2ktSE
 5yUrSMZ+4wac2K6s0qW0cSpctpiZTRCml8UUpqSEIFNEKaXKaTIpgIkVlHIrKANlCeKVSnigQKO
 BURowChxQgUOKAAAowFYBRhikBH3tDJWrpDew3jO1sn6BwE1RrUylO2lnb8LbgCh6g1dr2i9Tad
 s3Tq5W+7XSOxKmNbI8XeC86ecYR3xkdzx61SeasSIaij4HF70j65/pWPkfyTN/F/g0Ob2WpU0zb
 7aIs1yI82oPN7eUnnBBB+gqU9RM6g2FU+WJDYHBTx+lMzpVo256b6lokvx1MmZbG5Hgq4Kgocj0
 ORnHqKlXU4UWEMtBz+85SnI+Ejyrn5q1kZ1eNL/EkVl6uMrTDjzEoUtaZiVZPnya7FqS3JtcQBJ
 bblNhTSiMe8D/AFGPzp39b7HBhacgtzZTcNlrYt95YJO4gkAAckk9h+eKjpzWbt0etejY8IRYNs
 iOtxVZCnXXSQ4XCccZIOEjgZ8zV+PeSOvozZtYsnf2PGJqzUmmFiTZLm9AmMpG7GClwDuFJPBHH
 n8vWpN0Z7TFxRDxqTT7dxKQP28BYZWf9SFZST9CKgm7z1SGYsw8u+HteH+MDsf0rkuvqtUhp0Hc
 ysEgf40HuPt/P0q3E6npGfNM12z0R0bqSz6t07Hvtjk/iIcgHBI2rQofEhaf3VA8EV1SO9VB9lv
 qCxp3qMdMS5OLZqHahvKuGpY+BX0Wk7T67flVwCK3xXktnOqdPQmRSShS5FEIqaIGuRWUcjmspg
 bSRR00CRRkiojBFCKwUNIDAKgr2sOr87p/botg06ttF6uTK3VyFDKojOdoWkditR3AZ7bScdqnc
 fKvOj2o9T/2n616gktLUY0V4QI2TxtZGxX5r3n70IBiXW4T7jPduE2XIlyXFhTrzzhWtZJ5JJ5P
 entou52GxqYumpgpyHCaXKRFQnK5boUfCZHyBPJJ4CQTUcoWpTKwklKkjgg4Nbjl0el25cS4AvE
 ISELHKspPFUZMb3s04sqUtE7Wr2k4N6dYldRNKyGpELKor1hKRvKgQUrS6rKQPdwQftUpaQ19o3
 XMVtVhuEzIAKmpbCQ6yvnAUpJxn69/WqXhJIyU4JGcV2tCakmaM1hb9QW95bQZeSJCEn3Xmtw3o
 UOygRnill40ZO37Hh5V4vT6J59rOxk9PGNR/jFPKFxRFUjaMn3CSr0xgAD1qtbz7yp0W4tEtvIC
 SCDzlPY/pXoJ1P0dbNddLnxDiMPRJEdM1gM5BV7oUlaSOc4wceYyK8/Izakbo7hyppRTkpxnBxV
 mPEscKSGXM8luv2OqBcmJ7Sd+GnkII2+ROSf/ABXNvMstNqty1laWSHIy+4Uknt+RA/21x3i6g5
 SvYR2KeCPvWs86467vWpbq8AZUok/pUZw+NbHWd1OheNdJbF0bfZfcQ/GdDjDiThSDncCD6HH5V
 6SdEdaJ1700tWoVrQZqm/BnJRwEyEcL48s8KHoqvMyTluY2ojbvH0qxvsXdQlad1qdJznQm131Y
 Q3uP/LlAYQf9w9w+u2rV0UF2TRFDilKKRUhCRFZRiKymIXTRhRRRxURggUIFYKGgBrdWdTf2P6b
 X7UicF2FDWpgE4y6r3Wx/1FNeZcxZX4i3cuLJytWeVHPJ+uauV7dOs2IOkrfohhZMy5OplyAP3G
 G1Hbn/AFLH/Yapm8cp57GhDNaO5/eyASUqR5/MVtbcKC0jI9K5TTqkSiFcYB5x5VtJdGdoKj9ST
 /CmI38jHvHGPmaSkjLWOMAg89u9A2MpGWzjsdwAoyyFMbTwduKAPRH2Zbsi69EtMugH9jDEdYUS
 cFslPc9+AKqz7XPT1vSGvGL7bUtM2y57Y/hpRtKXkpyo4AxggpP1zUw+wzfUyul0u3vObjb7goI
 Ruz7riQrt5DOa6vtm2aHd+ksqQEIVKgOIlR8qPBTwrgfEdijgUJAUefPOcA8edaUqSRhG7ypZ5e
 8BQOQoZzWg+grcUQc44oATdcK5DSR3H9a7cCU9DlNyI61IeaWlxCk90qByD+YBrgN+7MAV8q6rT
 6Uryoj1yaQz0h6D9RI/UjQTF4KUtXOORHuTA42PAZ3D/Koe8PqR5U/TVFfZD6l2vSvUZVtus9Ma
 3XplMUqV8CXwsFpRPkMlSc/5hV6leYoQmErKyspiFhRxSaaODSYwwocgDJIA+ZooqPfaN1e1o3o
 9fLgRvlSmDAho37Sp14FIOf8AKNyv9tAFKfaK1mxrbqteb3bgpUJKkRYpX+820Nu4f6juVj1qK5
 clYRt8PKvLnvW8pL+AFyEoPYhKeB9zSD0R1fwLUQP8SRimByRL8SSk7dpwR866TD6sgZwCMVzH4
 z7crK2jnOfd5BrfYbXtJLa8fSkhm2lQOecfWjhXHcZBxWqkD4weD65pRJxnNMROXsfakkWq63m1
 ocRsfaQvZt97IVjPqOasxqG3K1JpWVb5aFPGS2UK2n4OMfqM1UT2Ywp3qC7DSsIU+yQFZAI5B4+
 Zq+mlbY3AhlooC1EJPvDn9akn0B5l6qtyrPfrhalDmNIWgfQKOM4rnR2VZK1cDsR86sJ7bui49o
 1lG1Rb0u7ZraUTm0NgNsrBKUKyP8QSeD5pPzqur8pYTt7Cogc+aoplqI/dOKXgtl7Lro3gHHvH3
 RST2x5WSPeNPvp5021vqS3JmWHSN2uTJOUvtxz4X2UohJ+xpDG0zCSW9zbiiryCG0jHqM16ddK7
 ynUHTTTd6DpdMu2MLcWRyVhASv8A7gaorN6J9UYcF64StFT4rEZtTzrpWzhCUglRI354AJ4q5Ps
 0Tmp/QfSbzTzLuyEWlFrsFJWoEH5Htn60IRIZrKw1lMQdJo4NIoNKA0DFAagT26ba9L6NR5zW4p
 t91ZddA7bVpW3n/qUn86nkGte6QIN1tsi23OIxMhyUFt5h5AWhxJ7gg9xS0B5UIX75UsZ+nl6UY
 SEg7c71/Sr4aj9l3pXdC+7CgXK1PLBKExJ6g2FYOPdWFADPkKqq101tDS3mJOoX7bMQpSSxIiZK
 SCRjuCeflxzULyzH8icY6v0Rgt/ALrpKkg9snGB/PtViPY5070+1ZcJsHWNniTb1GP4uI3IeX4b
 jOPeHh5CVFBGTkHhWewpqv+z9rEwHJsSfaJjqcIZiI3hSz3xuUNoV5dyPWout13udlvLEiG47Cu
 MV47VpXtU2sEjB8u+Qc8d6IyTfphUVPsvJ1H6K9KNTRX5LNsbsElRKI8q1p2KecA5AZHurA8+B9
 R3qpfUvpff9G+JLUy7NtAOEzUtbCjnADiApWw/cjnv5VNOlNb6mtmoW5eswh1D7LUNhyIpJbjjP
 wIRnJKlHJIySeeR2ku6XI3VO23Mkt7NinHU8A8Hnj3voKzZ+TWO9JGzFxYuN77Kv+y7LXC6txHQ
 R4amyl1KiMFJUB/HFegMWSUrTnarIx7pqnjPT2VY+sT02I34Vpure5lxCNqWnSpJU3gcJycqHpk
 eRq4dvjNNsstFCVbUpBJ5zitkUqnaMdy4pyyIvaR0wvU+n75aysLekRGXrcx5rkhRA7c8AL9Pfq
 iM+0PRLi/AuKFxZMZxTTrahylSTgg+oIxXqG83b5l7mFkodlwmUMuAHJb35XtPyJBB+hFV/9ozo
 ZF1PN/tNYpce23Z1SUyGniUsvgcFwkAkLA7nsQMcGpU1rbIynT0irXSTTMW+dVdMWaWG5ESZc2W
 3kHstvdlST6EAj716VWi66fdZag2m52p1DSdjbEWQ2oISnjalKTwB8h2qs+hukOhtGlF0vD7lwn
 IyPxM1ZZaRlJSfDbSeQQThRJznvUgvMwW4jDEK2sMlnHgtNNpSUgDhJScbfL6VirlJP4o3TwXrd
 PRIHUa6RY+g9S+MfDSi1SwSof8AsrqPfYoZba6CW9La0rUuZJcKQQSkFeBwOR8PnUCdWurV2aYu
 +l3ZqbjBlLMQMj3FtJCClw+ICSr3x2x96ZnRq5TW9QR2oc+VHV4iApCXClJTnJJGRxgGtTrUqjH
 4fJzs9Fyaymt0xmzZ2i4cya4txbpWWys5Ph5wnnuex5rKlPa2Qa09DnbVxSiTWsg0sk8UxCyTRq
 TSeKNmkMODUe9YNMWVWlLnfUWmK7cI7fip3IBStW4ZJHz88jzp/g1zdVxfx2l7nD/9WKsDjzAz/
 KoZJVS0yUNp9FfEXhy66Glz22nIr5DSSgOfA94pQojt32pOfWqea8WG9Q3FRbSHXJrxWR/8is/r
 V1LdbEf2RnsJHO8rwB8ilYqmvWiGu39S77CKcIbmuKR/pWreP0UKycft9GjL/E4Dl/vDkiG85cp
 ThgqSqKHHCpLRT2wOw7Va/wBmjqJ/ajSMq1XIoTdbWorVsGC80okhYHzySDj0+dU7yB50/egN1l
 WjqpZ5cdaEtLcLEne4lKS0sbVZyR2OD88gYq7Nj85/sXFy+Frfpl0RKemHw2IaVoLYWkuKzu58h
 88in1D1nAt2l5V8vC/wzFviKkyxjlKUjJwPmcYA+ZxULXa5zYNsuJj3eI6uyPLl/hmBhyO3uKgl
 z97HCiMeRFN/Ves9M606Yv3gvLlRZjhhvwAfCdae5UhY+hSFcjBH0xVHFdqta6Zu5kY7htvTW/8
 AgwdA9Z9fHqxqHWFqeaQ3d3SuZFlpLkdKBw0jaCDuQnABBHY54NODV3U3Ul6D7NzuDj7L4CXWk/
 s2lAZ4CU9hz2zUfwfBgRA0w2GwOVY8z6nzNa10k5i+KMZz2r0cceZXyW2eXfItv4vSHvC1/Oauj
 V2WtEmSy14TS5SfGDQHbalXAI8j3HlXe6f6wui7vqC7Xu/okIZs70iO06EoLrwIACRn3uCOO9Qt
 Gf3SxGJ/ZvDcnH7qhnNbxeaCQNpVs7bhn7iqcnFx5F60aMPNy437bQ07q08ze3JVyUHzKdU8ZAA
 G5aiSc/I5NO7pdLag6+tri1jw5KVxgvPZSknYf+rj7029XupegIbBztJVjNc2x3FxsMONnEiO8l
 xB88pORWTPjUvSLsGR2ts9SNORRA09b4Yx+xjISfrjJ/U1lNbov1AtfUXQkW9wFBuQ0AxPjFWVR
 3wOQf8AKe6T5g+hrKjPokx6pVSqVVpoX60qhfrTA3EKo4PFaiV0olyloBcGhwlYKFDKVDBHoeKR
 SuhC8c5o0BEkGP4KLpFCQcBaEp+yh/IVUj2vLSqF1BiXZDaQzdbe24kgYytv3Ffpt/OrRSdVRo3
 W+XolyM4l1UdczxlKASoeJ8IHcnaSc+lRZ7Uenk3npem5NJCpenph3nGVeAs7VfQfAr7Vz8W4vT
 Nd/KCoZzXf0nBS874+QVoIKecEfIj1riktJyFN5UPMGuvZZTTSfCztKsEA966WDXn2Ycu/HomG3
 9QZbmu4t3vzAMaVGRbrkmM37zjIRt8UpJ5XkBR+fPzrgNxoltbei255bkbxllpaklJUjcdpI8jt
 OPTJriwp5G3eEvJHGFd66kpYS4G0+6AAO/510MWGJrySMeXkZKnwpiVxkeFGAzgq5FaE6QoWtR7
 lODj7itedIMmftHCE8fahfO6G4g+acVc3vZQloK2FIQp8nCQR4aifJXPH5GlESlKcJURj0oFW5c
 21IYZcP4llJWhOMbj/AIT9u1N9mf4acK+4rPV+L7L5jyXQtfHCoKJ7E8VxYDhbk5zwTg/SlbjM8
 dW1HJJroXvSt907b7VcLxBMaPdmVPwleKhRWlJwrISSUEZHCsHkcVhzWqro2YYcz2OvpP1N1N01
 vdwm6dfZ/vjIbdbeG9tQ3BQVj/EOQD/mNZTLeaztWOxSKyqy3R6oIXSqV/OtVJpRJqZE2kro4X6
 1qpNHCqANlK6bnVC5XC2aEuc62PqYktoTh1I5QkrAUR64Nd1Jrk60gKuukbtbkYK34jiUZOBuAy
 nn6gVC03L0ShpUmyp224NdQ9PapZcVJkMzg1LW4oqUtl07FknuSNxNSdq3wnJU+DJSuUxKjqjut
 qAQlSVghRJ8zz3we1RkJP4dbjbuWHmzlSHPdU2ofMHzH5U/NaTClyGtO/dKjJdI81E5zXEnLSXy
 +jr1imq+P2VSsXTy/XOS41tbYaaWUrdWhShwSPlz2p1wOlMFo7p82TJWP3UANjP6mpmJUSPEWpt
 stpVtUkZHODzWPwoIL6ihKEtjKlOOYSM9qsfKy12Vrj4p6ISuulY1kkxpCZrq0rcwllxIJ4HfI+
 Vc25vlptxZ+JR4+lOPX8pp/UrLDBw1GZBUcEck5Pf0ximTd3y4tWc4Pl8q9PwvJcdO32zzvL8fz
 tT6QnD7qcJ5JrbCiEgkZHcitJncGkp+9L7xj6etaE+jO/YLEt8qU80spV3x5egpIWA3OU7LbYWr
 xFFS0pHAUe+Pr3rVbX4TmO4NSF0+caTEe8VaNpcTs3LA4I9axc16wtr2jbw1vMpfpjajaKfbCH2
 mS0tPKVZwQfnWhq2z3NDKTJkLeLI3JC1bsDzqYnVsJa2pW0VHgJSoKJ79gM5rlz9P3W7BXgW13Z
 23PYaH68/pXDjNe9narFCRCTDu6OjcOwxWU8pnTrVkebIaRZi6wHCW3GnkFBB5GDn9KytyuX9mH
 xZ6LJIo6TSAVRwTVxWLg0YGkAqjBVAC4VQPJS8w40r4VpKTj1FJBRoQr1oAiXVdhs/4txu6/hCY
 7uA68hOM9+Ce307UF90ozqGLELj0lgspBZWwvAcbOMjnjB8lDsfSkesGVM3oK5AO4fkKkhbbbOj
 4iAnHgxWQj091IrlLEq8n+jd+Rz4/2V111p38NJ8GySbjGMdpR3OKDrJGQSFZCcYJ+fGTXLs9jv
 N0R+JdmzJbau5ZWIzHGANuQpau3fjuaees2JFx1AxalktsvuEuAvKX7vdXfnBAbHy74qQOot3s/
 Szps9Ohx2f+IbBGgBYBK3iODz+6nlR+g+dW4MDydIjlzfj7ZTTVqg1qC4jxFrUHy2FLcLisI90Z
 UeT2zmmm+S68cGupc5bj7rz7zhcdcUVLWo8qUTkk+p/nXIZOVqUTwK9JrxlSvo4G/JuhdnvnOMD
 ilV+60VHueT9qQb5NGkuARnCPJB/pQ/Qkts1j78ULH7pxUj9ApbitWt2ptBdXNSW0NgAlahyAM/
 So6t/7SO63jOU5H2rsaBu79i1XbbvHUEvQpTb6Se3urB/gCKpuVcNfsuivCt/ouLaNDX2QQr/h7
 EAK7uOhKVf9ozTmgdM7OAV3aTIuDihykHYgfbvT4CkqG5PwnkfQ9qDNcucMo6Ty0yBOpUGBpHUw
 iR2NsGSwHmRwSk5IKc+YBB7881lbXtIBJ1BZ8jP9zX/+hrKzZJSp6Lop+KJpSaOk+tEofKtpmDg
 mjA0RNCPOgA4NDu70UUIoDREPWNW1N1Tn49v6pFSdckkaacSP3I6D+QH9KjLrL8dxHllr+AqVLi
 kGzSUnt+GV/wDWsmJfzRff+pCd1IT1Aijaobi57u4qzlST3P8ADy7VFftRa0VqPqHJgx3t1utBV
 EjgH3VLB/ar+pUNv0SKkXXsl6HqFUtlX7VmC4tBPkQ3kfwqsF2dcW+pa1lale8pR5JJ7mtv+Knq
 qMv+QrWpOdNcBQBkkmkmBgGhd95Zz5UdAAaziup7Zzl0gWACceVZN92E8rIwRtH3NGYACVYpK6k
 iHtHYrH8zUbepY47pCNoWESE57E4P0NLlpTct5ocHBArQjEhVdiUkGalXmpvJ/Kox3JKuqPQvpj
 dEXnpxp25tueIJFsYJVnPvBASr77gRTgJ4qIvZGmvyuikNt5W4RZslhr0RuCgPzUalo1z6WqaN8
 9ymQT7Q75e1jDjo+JiCnP8AuWo/0rKDqohMjqnLQ6NyUQWcfkP61lYMj+TNeOfij//Z
END:VCARD
