-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Un5lCgNX5/n10uSj+IigqhqYIUa2SkLxtgp1efcQ95CO8rzPTDvfUkUA5ubh+0R9
 fR68m6Zh/Cz344hD8a+J2g==

<SEC-DOCUMENT>0001193125-09-220293.txt : 20091102
<SEC-HEADER>0001193125-09-220293.hdr.sgml : 20091102
<ACCEPTANCE-DATETIME>20091102145607
ACCESSION NUMBER:		0001193125-09-220293
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		34
CONFORMED PERIOD OF REPORT:	20090930
FILED AS OF DATE:		20091102
DATE AS OF CHANGE:		20091102

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WASHINGTON FEDERAL INC
		CENTRAL INDEX KEY:			0000936528
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911661606
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25454
		FILM NUMBER:		091150840

	BUSINESS ADDRESS:	
		STREET 1:		425 PIKE STREET
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
		BUSINESS PHONE:		2066247930

	MAIL ADDRESS:	
		STREET 1:		425 PIKE ST
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>d10k.htm
<DESCRIPTION>FORM 10-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 10-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="line-height:0px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P
STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:3px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>United States </B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>Securities and Exchange Commission </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="3"><B>Washington, D.C. 20549 </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P
STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>FORM 10-K </B>
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT><B></B></B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FOR THE FISCAL YEAR ENDED SEPTEMBER 30, 2009. </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="3"><B>OR </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT><B></B></B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>For the transition period from &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Commission File Number: 0-25454
</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P
STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="6"><B>Washington Federal, Inc. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Exact name of registrant as specified in its charter) </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P
STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Washington</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>91-1661606</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(State or other jurisdiction of</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>incorporation or organization)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(I.R.S. Employer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Identification No.)</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>425 Pike Street, Seattle, Washington 98101 </B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Address of principal executive offices) (Zip Code) </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Registrant&#146;s telephone number, including area code: (206)&nbsp;624-7930 </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P
STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities
registered pursuant to Section&nbsp;12(b) of the Act: </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Title of each class NA Name of each exchange on which registered
NA </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities registered pursuant to section 12(g) of the Act: </B></FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Common Stock, $1.00 par value per share (title of class) </B></FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;
</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark if the registrant is
not required to file reports pursuant to Section&nbsp;13 or 15(d) of the Act.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;
</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant (1)&nbsp;has filed all reports required by Section&nbsp;13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past 90
days.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule
405 of Regulation S-T (&#167; 229.405 of this chapter) during the preceeding 12 months (or for such shorter period that the registrant was required to submit and post such files).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate
by check mark if disclosure of delinquent filers pursuant to Item&nbsp;405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant&#146;s knowledge, in definitive proxy or information statements incorporated
by reference in Part III of this Form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated
filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Large accelerated
filer&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accelerated filer&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accelerated filer&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Smaller reporting
company&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a shell company (as
defined in Rule 12b-2 of the Act).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of March&nbsp;31, 2009, the aggregate market value of the 87,343,442 shares of Common Stock of the Registrant issued and outstanding on such date, which
excludes 703,996 shares held by all directors and executive officers of the Registrant as a group, was $1,160,794,344. This figure is based on the closing sale price of $13.29 per share of the Registrant&#146;s Common Stock on March&nbsp;31, 2009,
as reported by Bloomberg. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number of shares of Common Stock outstanding as of October&nbsp;30, 2009: 112,270,330 </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>DOCUMENTS INCORPORATED BY REFERENCE </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">List hereunder the following documents incorporated by reference and the Part of Form 10-K into which the document is incorporated: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">(1) Portions of the Registrant&#146;s Annual Report to Stockholders for the fiscal year ended September&nbsp;30, 2009, are incorporated into Part II, Items 5-8 and Part III, Item&nbsp;12 of this Form 10-K. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2) Portions of the Registrant&#146;s definitive proxy statement for its Annual Meeting of Stockholders to be held on January&nbsp;20, 2010 are incorporated
into Part III, Items 10-14 of this Form 10-K. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P
STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PART I </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition to historical information, this Annual Report on Form 10-K includes certain &#147;forward-looking statements,&#148; as defined in the Securities Act of 1933, as amended, and the Securities
Exchange Act of 1934, as amended, based on current management expectations.&nbsp;Actual results could differ materially from those management expects.&nbsp;Such forward-looking statements include statements regarding Washington Federal&#146;s
intentions, beliefs or current expectations as well as the assumptions on which such statements are based.&nbsp;Stockholders and potential stockholders are cautioned that any such forward-looking statements are not guarantees of future performance
and involve risks and uncertainties, and that actual results may differ materially from those contemplated by such forward-looking statements.&nbsp;Factors that could cause future results to vary from current management expectations include, but are
not limited to: general economic conditions; legislative and regulatory changes; monetary fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state and local tax authorities; changes in interest
rates; deposit flows; cost of funds; demand for loan products; demand for financial services; competition; changes in the quality or composition of the Company&#146;s loan and investment portfolios; changes in accounting principles; policies or
guidelines and other economic, competitive, governmental and technological factors affecting Washington Federal&#146;s operations, markets, products services and fees.&nbsp;Washington Federal undertakes no obligation to update or revise any
forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Business </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>General </B></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc., formed in November 1994, is a Washington corporation headquartered in Seattle, Washington. The Company is a
non-diversified unitary savings and loan holding company within the meaning of the Home Owners&#146; Loan Act (&#147;HOLA&#148;) that conducts its operations through a federally insured savings and loan association subsidiary, Washington Federal
Savings. As used throughout this report, the terms &#147;Washington Federal&#148; or the &#147;Company&#148; refer to Washington Federal, Inc. and its consolidated subsidiaries. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company, doing business as Washington Federal Savings, is a federally-chartered savings and loan association that began operations in
Washington as a state-chartered mutual company in 1917. In 1935, the Company converted to a federal charter and became a member of the Federal Home Loan Bank (&#147;FHLB&#148;) system. On November&nbsp;9, 1982, Washington Federal Savings converted
from a federal mutual to a federal capital stock company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s fiscal year end is September&nbsp;30th. All
references to 2009, 2008 and 2007 represent balances as of September&nbsp;30, 2009,&nbsp;September&nbsp;30, 2008 and September&nbsp;30, 2007, or activity for the fiscal years then ended, respectively. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The business of Washington Federal consists primarily of attracting deposits from the general public and investing these funds in loans of
various types, including first lien mortgages on single-family dwellings, construction loans, land acquisition and development loans, loans on multi-family and other income producing properties, home equity loans and business loans. It also invests
in certain United States government and agency obligations and other investments permitted by applicable laws and regulations. Washington Federal has 150 full service branches located in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico
and Texas. Through its subsidiaries, the Company is engaged in real estate investment and insurance brokerage activities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
principal sources of funds for the Company&#146;s activities are retained earnings, loan repayments (including prepayments), net deposit inflows, repayments and sales of investments and borrowings. Washington Federal&#146;s principal sources of
revenue are interest on loans, interest and dividends on investments. Its principal expenses are interest paid on deposits, credit costs, general and administrative expenses, interest on borrowings and income taxes. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s growth has been generated both internally and as a result of 14 mergers and four assumptions of deposits completed in the
Company&#146;s history. In February 2008, the Company completed its acquisition of First Mutual Bancshares, Inc. First Mutual Bancshares was the holding company for First Mutual Bank, a Washington-chartered savings bank, headquartered in Bellevue,
Washington. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company is subject to extensive regulation, supervision and examination by the Office of Thrift Supervision
(&#147;OTS&#148;), as its chartering authority and primary federal regulator, and by the Federal Deposit Insurance Corporation (&#147;FDIC&#148;), which insures its deposits up to applicable limits. Such regulation and supervision establishes a
comprehensive framework of activities in which an institution may engage and is intended primarily for the protection of the deposits and the Deposit Insurance Fund (&#147;DIF&#148;) administered by the FDIC. The regulatory structure also gives the
regulatory authorities extensive discretion in connection with their supervisory and enforcement activities. Any change in such regulation, whether by the OTS, the FDIC or the U.S. Congress, could have a significant impact on the Company and its
operations. See &#147;Regulation.&#148; </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Average Statements of Financial Condition </B></FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Year Ended September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balance</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balance</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balance</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,634,825</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,923</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.90</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,013,671</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">599,878</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.66</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,422,953</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">579,244</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.15</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,354,689</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">75,478</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.57</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,565,590</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88,425</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.65</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,974,954</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,486</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.54</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities&nbsp;(2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">264,345</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,525</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.87</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">214,871</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,408</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.31</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,490</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,634</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.24</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131,663</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">756</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.57</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">140,569</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.22</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144,522</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.28</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,385,522</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">618,682</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.59</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,934,701</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701,428</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.41</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,754,919</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">691,774</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.88</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">272,300</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">381,090</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">499,324</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,657,822</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,315,791</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,254,243</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities and Stockholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Checking accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">351,558</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,572</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.58</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">473,999</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,813</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.44</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">494,152</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,144</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.64</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Passbook and statement accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">188,853</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,902</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.54</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">197,448</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,724</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.38</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">192,141</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,441</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.75</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Insured money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">748,436</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,309</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.98</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">996,164</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,571</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.57</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,232,723</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,488</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.34</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificate accounts (time deposits)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,408,864</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,237</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.81</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,032,005</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">224,114</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.45</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,525,855</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169,301</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.06</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase agreements with customers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,567</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">817</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.79</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,787</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">547</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.46</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,922</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,061</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.73</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623,864</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78,033</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.81</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,022,596</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94,048</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.65</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,243,242</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94,804</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.23</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">785,753</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,962</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.07</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">803,825</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,260</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.26</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">800,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,061</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.88</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,939</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,669</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.31</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">296,529</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,564</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.23</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">191,989</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,327</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.69</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,216,834</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">358,501</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.36</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,838,353</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">397,641</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.04</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,719,024</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">318,627</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.97</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150,320</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">120,584</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,929</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,367,154</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,958,937</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,835,953</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,290,668</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,356,854</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,418,290</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,657,822</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,315,791</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,254,243</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income/Interest rate spread</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,181</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.23</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">303,787</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.37</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">373,147</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.91</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest margin&nbsp;(3)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.77</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.78</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.17</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The average balance of loans includes nonaccruing loans, interest on which is recognized on a cash basis. It also includes net accretion of deferred loan fees and costs
of $18.1 million, $12.7 million and $11.5 million for years 2007, 2008 and 2009, respectively. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Includes cash equivalents and repurchase agreements. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income divided by average interest-earning assets. </FONT></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Lending Activities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>General.</B> The Company&#146;s net portfolio of
loans totaled $9.0 billion at September&nbsp;30, 2009, representing approximately 71% of its total assets. The Company concentrates its lending activities on the origination of conventional mortgage loans, which are loans that are neither insured
nor guaranteed by agencies of the United States government. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px;page-break-before:always"></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Washington Federal&#146;s lending activity is concentrated on the origination of loans secured by real estate, including long-term fixed-rate mortgage loans, adjustable-rate construction loans, adjustable-rate land development loans and
fixed-rate multi-family loans. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth the composition of the Company&#146;s gross loan portfolio,
by loan type, as of September&nbsp;30 for the years indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2005</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="33" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,630,411</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">70.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,416,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">70.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,067,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">69.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,868,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">69.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,785,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">72.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; speculative (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">629,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">716,828</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">707,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">439,616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">267,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">391,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">373,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">328,929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317,894</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">258,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; acquisition and development&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">517,969</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.7</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">755,577</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">724,421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">519,130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans (1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">121,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">148,842</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">210,816</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195,812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">501,824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">527,719</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">558,846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">683,508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">705,212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">112,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">282,138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">294,109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">119,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">122,184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">153,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">120,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GROSS&nbsp;LOANS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,592,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,701,393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,737,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,912,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,387,539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less LIP, Allowance and net def. costs&nbsp;&amp; fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(583,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(622,950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(548,749</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(411,052</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(404,109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">NET&nbsp;LOANS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,008,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,078,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,188,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,983,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Represents loans to builders / intended occupants for the purpose of financing the acquisition and development of single-family residences. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Represents loans to builders / intended occupants for the purpose of financing the construction of single-family or multi-family residences. </FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the scheduled contractual gross loan maturities for the
Company&#146;s total loan portfolio due for the periods indicated as of September&nbsp;30, 2009. Amounts are presented prior to deduction of discounts, premiums, loans in process, deferred net loan origination fees and allowance for loan losses.
Adjustable-rate loans are shown in the period in which loan principal payments are contractually due. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Contractual Maturities:
</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Less than</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1&nbsp;Year</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1 to 5</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>After&nbsp;5<BR>Years</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,785,723</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">100,684</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133,756</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,551,283</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">267,430</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">265,286</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,144</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">258,839</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,871</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,768</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">252,200</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; acquisition and development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">519,130</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">468,851</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,362</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,917</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195,812</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,684</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,482</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">161,646</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">705,212</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49,054</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">287,012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">369,146</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">294,109</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,705</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,444</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151,960</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">119,019</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,315</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47,598</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,106</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">122,184</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,585</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,225</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,374</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">120,081</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">687</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,335</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104,059</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,387,539</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">978,722</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">656,126</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,752,691</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans maturing after one year:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustable-rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">920,024</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed-rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,488,793</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,408,817</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The original contractual loan payment period for residential mortgage loans
originated by the Company normally ranges from 15 to 30 years. Experience during recent years has indicated that, because of prepayments in connection with refinancing and sales of property, residential loans remain outstanding an average of less
than eight and one half years. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Lending Programs and Policies.</B> The Company&#146;s principal lending activity is the
origination of real estate mortgage loans to purchase or refinance single-family residences. The Company also originates a significant number of construction and land development loans, along with multi-family residential and commercial loans. At
September&nbsp;30, 2009, single-family residential loans totaled $6.8 billion, or 72.3% of the Company&#146;s gross loan portfolio; construction-speculative loans totaled $267 million, or 2.8% of the Company&#146;s gross loan portfolio; construction
&#150; custom loans totaled $259 million, or 2.8% of the Company&#146;s gross loan portfolio; land acquisition and development loans totaled $519 million, or 5.5% of the Company&#146;s gross loan portfolio; land &#150; consumer lot loans totaled
$196 million, or 2.1% of the Company&#146;s gross loan portfolio; multi-family loans totaled $705 million, or 7.5% of the Company&#146;s gross loan portfolio; commercial real estate loans totaled $294 million, or 3.1% of the Company&#146;s gross
loan portfolio; commercial and industrial loans totaled $119 million, or 1.3% of the Company&#146;s gross loan portfolio; HELOC loans totaled $122 million, or 1.3% of the Company&#146;s gross loan portfolio and consumer loans totaled $120 million,
or 1.3% of the Company&#146;s gross loan portfolio. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential loans. The Company primarily originates 30 year
fixed-rate loans secured by single-family residences. Generally, these loans are made on terms, conditions and documentation that permit sale in the secondary market. Moreover, it is the Company&#146;s general policy to include in the documentation
evidencing its conventional mortgage loans a due-on-sale clause, which facilitates adjustment of interest rates on such loans when the property securing the loan is sold or transferred. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">All of the Company&#146;s mortgage lending is subject to written, nondiscriminatory underwriting standards, loan origination procedures and
lending policies prescribed by the Company&#146;s Board of Directors. Property valuations are required on all real estate loans. Appraisals are prepared by independent appraisers approved by the Company&#146;s management, and reviewed by the
Company&#146;s staff. Property evaluations are sometimes utilized in lieu of an appraisal on single-family real estate loans of $250,000 or less and are prepared by the Company&#146;s staff. Detailed loan applications are obtained to
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
determine the borrower&#146;s ability to repay and the more significant items on these applications are verified through the use of credit reports, financial statements or written confirmations.
Depending on the size of the loan involved, a varying number of officers of the Company must approve the application before the loan can be granted. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Federal guidelines limit the amount of a real estate loan made by a federally-chartered savings institution, such as Washington Federal Savings, to a specified percentage of the value of the property
securing the loan as determined by an evaluation at the time the loan is originated, referred to as the loan-to-value ratio. The guidelines provide that at the time of origination a real estate loan may not exceed 100% of the value of the security
property. Maximum loan-to-value ratios for each type of real estate loan are established by the Company&#146;s Board of Directors. When establishing general reserves for loans with loan-to-value ratios exceeding 80% that are not insured by private
mortgage insurance, Washington Federal considers the additional risk inherent with these products, as well as their relative loan loss experience, and provides reserves when deemed appropriate. The total balance for loans with loan-to-value ratios
exceeding 80% at September&nbsp;30, 2009, was $556 million, with allocated reserves of $2.8 million. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction loans. The
Company originates construction loans to finance construction of single-family and multi-family residences as well as commercial properties. These loans to builders are generally indexed to the Prime rate and normally have maturities of two years or
less. Loans made to individuals for construction of their home generally are 30 year fixed rate loans. The Company&#146;s policies provide that construction loans may be made for 80% or less of the appraised value of the property upon completion for
residential construction loans. As a result of activity over the past three decades, the Company believes that it is a construction lender of choice by builders of single-family residences in its market areas. Because of this history, the Company
has developed a staff with in depth land development and construction experience and working relationships builders that have been selected based on their operating histories and financial stability. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction lending involves a higher level of risk than single-family residential lending due to the concentration of principal in a
limited number of loans and borrowers, as well as the effects of general economic conditions in the homebuilding industry. Moreover, a construction loan can involve additional risks because of the inherent difficulty in estimating both a
property&#146;s value at completion of the project and the estimated cost (including interest) of the project. These loans are generally more difficult to evaluate and monitor. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land loans. The Company&#146;s land development loans are of a short-term nature and are generally made for 75% or less of the appraised
value of the property. Funds are disbursed periodically at various stages of completion as authorized by the Company&#146;s personnel. The interest rate on these loans generally adjusts every 90 days in accordance with a designated index.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land development loans involve a higher degree of credit risk than long-term financing on owner-occupied real estate.
Mitigation of risk of loss on a land development loan is dependent largely upon the accuracy of the initial estimate of the property&#146;s value at completion of development compared to the estimated cost (including interest) of development and the
financial strength of the borrower. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s permanent land loans (also called consumer lot loans) are generally
made on improved land, with the intent of building a primary or secondary residence. These loans are limited to 80% or less of the appraised value of the property, up to a maximum loan amount of $350,000. The interest rate on permanent land loans is
generally fixed for 20 years. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family residential loans. Multi-family residential (five or more dwelling units) loans
generally are secured by multi-family rental properties, such as apartment buildings. In underwriting multi-family residential loans, the Company considers a number of factors, which include the projected net cash flow to the loan&#146;s debt
service requirement, the age and condition of the collateral, the financial resources and income level of the borrower and the borrower&#146;s experience in owning or managing similar properties. Multi-family residential loans are originated in
amounts up to 75% of the appraised value of the property securing the loan. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans secured by multi-family residential real
estate generally involve a greater degree of credit risk than single-family residential loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of
loans and borrowers, the effects of general economic conditions on income-producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family mortgages
typically depends upon the successful operation of the related real estate property. If the cash flow from the project is reduced, the borrower&#146;s ability to repay the loan may be impaired. The Company seeks to minimize these risks through its
underwriting policies, which require such loans to be qualified at origination on the basis of the property&#146;s income and debt service ratio. The Company generally limits its multi-family residential loans to $5.0 million on any one loan.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">It is the Company&#146;s policy to obtain title insurance ensuring that the Company has a
valid first lien on the mortgaged real estate serving as collateral. Borrowers must also obtain hazard insurance prior to closing and, when required by regulation, flood insurance. Borrowers may be required to advance funds on a monthly basis,
together with each payment of principal and interest, to a mortgage escrow account from which the Company makes disbursements for items such as real estate taxes, hazard insurance premiums and private mortgage insurance premiums when due.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and industrial loans. The Company generally makes various types of secured owner occupied commercial real estate
and business loans to customers in its market area for the purposes of acquiring real estate, equipment or other business purposes. The terms of these loans generally range from less than one year to a maximum of ten years. The loans are either
negotiated on a fixed-rate basis or carry adjustable interest rates indexed to Prime or another market rate. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial
credit decisions are based upon the Company&#146;s assessment of the borrower&#146;s ability and willingness to repay along with an evaluation of the liquidity and marketability of collateral. Most such loans are extended to closely held businesses
and the personal guaranty of the principals are usually obtained. Non real estate commercial loans have a relatively high risk of default, compared to residential real estate loans. Pricing of commercial loans is based on the credit risk of the
borrower and the adequacy of collateral, with consideration given to the overall relationship of the borrower, including deposits. The acquisition of business deposits is an important focus of this business line. The cost of funds from businesses is
usually lower than the cost of funds raised through CDs in our retail branches. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer loans. Through its two most recent
acquisitions, the Company obtained its portfolio of $120 million of consumer loans. These loans are primarily home improvement loans made through third party originators that bear interest rates of 10% and higher. Due to the nature of these loans
the average charge off rate has been 3 to 5%&nbsp;per year. After extensive review of this program, the Company decided in fiscal 2008 to cease origination of consumer loans, as the risk profile did not match with the Company&#146;s long term
business plan. The Company will continue to service the portfolio until the balances are repaid. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Home equity loans. The
company makes revolving line of credit loans to consumers that are secured by a first or second mortgage on a single family residence. The interest rates on these loans adjust monthly indexed to Prime. Loan-to-value rates is limited to 75%. Terms
are a ten year draw period followed by a fifteen year amortization period </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Origination and Purchase of Loans.</B> The
Company has general authority to lend anywhere in the United States; however, the primary lending areas are within the states of Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico and Texas. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan originations come from a number of sources. Residential loan originations result from referrals from real estate brokers, walk-in
customers, purchasers of property in connection with builder projects financed by the Company, mortgage brokers and refinancings for existing customers. Construction loan originations are obtained primarily by direct solicitation of builders and
continued business from builders who have previously borrowed from the Company. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also purchases loans and mortgage-backed securities when lending rates and
mortgage volume for new loan originations in its market area do not fulfill its needs. The table below shows total loan origination, purchase and repayment activities of the Company for the years indicated. </FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2005</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans originated (1):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">787,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">718,915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">827,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">857,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">855,212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction-speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">716,569</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">704,314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">518,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">218,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">422,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">385,084</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">337,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">303,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">262,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Acquisition&nbsp;&amp; Development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">358,863</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">398,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">443,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">148,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Consumer Lot Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,909</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97,621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,266</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">117,447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">187,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">243,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,074</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans originated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,436,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,402,347</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,301,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,074,175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,840,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans purchased (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">331,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">399,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">414,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">946, 826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">385,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan principal repayments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,769,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,694,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,718,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,845,324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,116,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net change in loans in process, discounts, etc.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(83,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(38,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">112,535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">137,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(627,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net loan activity increase (decrease)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">915,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,069,511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,109,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,313,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(518,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,093,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,008,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,078,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,188,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,008,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,078,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,188,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,983,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Includes undisbursed loan in process and does not include savings account loans, which were not material during the periods indicated. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Includes loans acquired through acquisitions and whole loan purchases. </FONT></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Interest Rates, Loan Fees and Service Charges.</B> Interest rates charged by the Company on mortgage loans are primarily determined by the competitive loan rates offered in its lending areas and in the
secondary market. Mortgage loan rates reflect factors such as general interest rates, the supply of money available to the savings and loan industry and the demand for such loans. These factors are in turn affected by general economic conditions,
the regulatory programs and policies of federal and state agencies, changes in tax laws and governmental budgetary programs. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The Company receives fees for originating loans in addition to various fees and charges related to existing loans, which may include prepayment charges, late charges and assumption fees. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In making one-to-four family home mortgage loans, the Company does not normally charge a commitment fee. As part of the loan application,
the borrower pays the Company for out-of-pocket costs, such as the appraisal fee, in reviewing the application, whether or not the borrower closes the loan. The interest rate charged is normally the prevailing rate at the time the loan application
is approved. In the case of construction loans, the Company normally charges an origination fee. Loan origination fees and other terms of multi-family residential loans are individually negotiated. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Nonperforming Assets.</B> When a borrower fails to make a required payment on a loan, the Company attempts to cure the deficiency by
contacting the borrower. Contact is made after a payment is 30 days past due. In most cases, deficiencies are cured promptly. If the delinquency is not cured within 90 days, the Company may institute appropriate action to foreclose on the property.
If foreclosed, the property will be sold at a public sale and may be purchased by the Company. There are circumstances under which the Company may choose to foreclose a deed of trust as mortgagee, and when this procedure is followed, certain
redemption rights are involved. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The company will consider modifying the interest rates and terms of a loan if it determines
that a modification is a better alternative to foreclosure. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans are placed on nonaccrual status when, in the judgment of
management, the probability of collection of interest is deemed to be insufficient to warrant further accrual. When a loan is placed on nonaccrual status, previously accrued but unpaid interest is deducted from interest income. The Company does not
accrue interest on loans 90 days past due or more. See Note A to the Consolidated Financial Statements included in Item&nbsp;8 hereof. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Real estate acquired by foreclosure or deed-in-lieu thereof (&#147;REO&#148; or &#147;Real Estate Owned&#148;) is either classified as real estate held for sale until it is sold or transferred to Real Estate Held for
Investment(&#147;REHI&#148;). When property is acquired, it is recorded at the lower of carrying cost or fair value at the date of acquisition, and any writedown resulting therefrom is charged to the allowance for loan losses. Interest accrual
ceases on the date of acquisition and all costs incurred in maintaining the property from that date forward are expensed as incurred. Costs incurred for the improvement or development of such property are capitalized. See Note A to the Consolidated
Financial Statements included in Item&nbsp;8 hereof. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth information regarding restructured and
nonaccrual loans and REO held by the Company at the dates indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2005</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Restructured loans (1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">136,894</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonaccrual loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,765</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; Speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,003</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50,348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Acquisition&nbsp;&amp; Development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">187,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total nonaccrual loans (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">127,109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">380,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total REO (3)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">756</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">479</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">120,105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total REHI(4)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56,758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total nonperforming assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">557,120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total nonperforming assets and restructured loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">170,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">694,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total nonperforming assets and restructured loans as a percent of total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Performing in accordance with restructured terms. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company recognized interest income on nonaccrual loans of approximately $326,000 in 2009. Had these loans performed according to their original contract terms, the
Company would have recognized interest income of approximately $13,099,000 in 2009. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to the
nonaccrual loans reflected in the above table, at September&nbsp;30, 2009, the Company had $305.9 million of loans that were less than 90 days delinquent but which were classified as substandard for one or more reasons. If these loans were deemed
nonperforming, the Company&#146;s ratio of total nonperforming assets and restructured loans as a percent of total assets would have been 7.95% at September&nbsp;30, 2009. For a discussion of the Company&#146;s policy for placing loans on nonaccrual
status, see Note A to the Consolidated Financial Statements included in Item&nbsp;8 hereof. </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total REO includes real estate held for sale acquired in settlement of loans or acquired from purchased institutions in settlement of loans. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total REHI includes real estate held for investment acquired in settlement of loans. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table analyzes the Company&#146;s allowance for loan losses at the dates
indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2005</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,756</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge-offs:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-Family Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; Speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,858</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; Custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Acquisition&nbsp;&amp; Development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Consumer Lot Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,822</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-Family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,028</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">112,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recoveries:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-Family Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; Speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; Custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Acquisition&nbsp;&amp; Development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; Consumer Lot Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111,222</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Acquired through acquisition</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision (reversal of reserve) for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">193,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,756</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166,836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio of net charge-offs to average loans outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth the allocation of the Company&#146;s allowance for loan
losses at the dates indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="28" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2005</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="28" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance allocation:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,643</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">70.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,397</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">70.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,083</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">69.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,055</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">69.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,547</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">72.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,977</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,706</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,716</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,069</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,841</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,163</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,328</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; acquisition&nbsp;&amp; development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,360</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.7</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,829</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,506</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,679</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104,569</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,136</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,279</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,298</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,776</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,061</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,299</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,514</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,878</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,297</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,536</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,344</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">320</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,807</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,327</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,338</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">377</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,453</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,574</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unallocated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,756</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,993</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,520</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,058</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166,836</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Represents the total amount of the loan category as a % of total loans outstanding. </FONT></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company maintains an allowance for loan losses to absorb losses inherent in the loan portfolio. The allowance is based on ongoing,
quarterly assessments of the probable and estimable losses inherent in the loan portfolio. The Company&#146;s methodology for assessing the appropriateness of the allowance consists of two components, which include the general allowance and specific
allowance. As part of the process for determining the adequacy of the allowance for loan losses, management reviews the loan portfolio for specific weaknesses. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The general loan loss allowance is established by applying a loss percentage factor to the different loan types. The allowance is based on management&#146;s continuing evaluation of the pertinent factors
underlying the quality of the loan portfolio, including changes in the size and composition of the loan portfolio, actual loan loss experience, current economic conditions, geographic concentrations, seasoning of the loan portfolio, specific
industry conditions, and the duration of the current business cycle. The recovery of the carrying value of loans is susceptible to future market conditions beyond the Company&#146;s control, which may result in losses or recoveries differing from
those provided. A portion of the allowance is then allocated to reflect the estimated loss exposure. Residential real estate loans are not individually analyzed for impairment and loss exposure because of the significant number of loans, their
relatively small balances and their historically low level of losses. In determining the adequacy of reserves, management considers the above mentioned factors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Specific allowances are established in cases where management has identified conditions or circumstances related to a loan that management believes indicate the probability that a loss has been incurred.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">11 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Investment Activities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As a federally-chartered savings institution, Washington Federal Savings is obligated to maintain adequate liquidity and does so by investing in securities. These investments may include, among other
things, certain certificates of deposit, repurchase agreements, bankers&#146; acceptances, loans to financial institutions whose deposits are federally-insured, federal funds, United States government and agency obligations and mortgage-backed
securities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth the composition of the Company&#146;s investment portfolio at the dates indicated.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:48pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair Value</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="17" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. government and agency obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">236,352</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">232,285</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,253</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41,231</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,800</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,824</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">State and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,107</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,646</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,770</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,306</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,435</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,980</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,430,208</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,409,881</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,551,674</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,549,878</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,200,834</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,286,542</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,674,667</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,650,812</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,596,697</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,599,415</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,218,069</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,308,346</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The investment portfolio at September&nbsp;30, 2009 was categorized by maturity as
follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Wtd&nbsp;Avg<BR>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due in less than one year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after one year through five years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,140</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.77</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after five years through 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,300</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.38</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,207,129</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.76</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,218,069</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.78</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Sources of Funds </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>General.</B> Deposits are the primary source of the Company&#146;s funds for use in lending and other general business purposes. In addition to deposits, Washington Federal derives funds from loan
repayments, advances from the FHLB and other borrowings and, to a lesser extent, from investment repayments and sales. Loan repayments are a relatively stable source of funds, while deposit inflows and outflows are significantly influenced by
general interest rates and money market conditions. Borrowings may be used on a short-term basis to compensate for reductions in normal sources of funds, such as deposit inflows at less than projected levels. Borrowings may also be used on a
longer-term basis to support expanded activities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Deposits.</B> The Company chooses to rely on term certificate accounts
and other deposit alternatives that have no fixed term and pay interest rates that are more responsive to market interest rates than passbook accounts. This greater variety of deposits allows the Company to be more competitive in obtaining funds and
to more effectively manage its liabilities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates with a maturity of one year or less have penalties for premature
withdrawal equal to 90 days of interest. When the maturity is greater than one year but less than four years, the penalty is 180 days of interest. When the maturity is greater than 4 years, the penalty is 365 days interest. Early withdrawal
penalties during 2007, 2008 and 2009 amounted to approximately $1,005,000, $859,000 and $700,000, respectively. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
offers two checking account products; the accounts pay interest on monthly average balances over $1,000 and $10,000 respectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">12 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s deposits are obtained primarily from residents of Washington, Oregon,
Idaho, Arizona, Utah, Nevada, New Mexico and Texas. The Company does not advertise for deposits outside of these states. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
following table sets forth certain information relating to the Company&#146;s savings deposits at the dates indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="16" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="16" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance by interest rate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Checking accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">409,098</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.90</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">516,972</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.14</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,321</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.39</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Passbook and statement accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">198,876</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.70</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">188,546</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.22</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">197,025</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.50</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">739,554</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.85</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,231,542</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.48</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,214,812</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.87</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,347,528</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,937,060</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,938,158</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed-rate certificates:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Under 2.00%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,951</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,765,881</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.00% to 2.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,228</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">880,676</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,220,833</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.00% to 3.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150,926</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,887,138</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">457,425</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00% to 4.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,283,837</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,346,039</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">370,967</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00% to 5.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,190,141</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81,911</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,982</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.00% and above</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,389</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,270</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">221</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,631,521</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,208,985</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,848,309</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,979,049</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,146,045</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,786,467</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth, by various interest rate categories, the amount of
certificates of deposit of the Company at September&nbsp;30, 2009, which mature during the periods indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="20" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Maturing in</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1 to 3<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4 to 6<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7 to 12<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13 to 24<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>25 to 36<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>37 to 60<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="20" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Fixed-rate certificates:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Under 2.00%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">440,453</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">778,076</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">486,149</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,072</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,765,881</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.00% to 2.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,192,151</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139,110</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">287,882</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">545,159</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,671</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,860</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,220,833</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.00 to 3.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">165,226</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,773</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,788</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,055</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,550</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102,033</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">457,425</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00 to 4.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,926</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,220</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48,300</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,480</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77,325</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97,716</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">370,967</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00 to 5.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,572</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,481</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,377</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,001</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,715</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">836</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,982</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.00 and above</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">219</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">221</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,854,328</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">995,660</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">878,715</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">748,767</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159,261</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">211,578</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,848,309</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Historically, a significant number of certificate holders roll over their balances
into new certificates of the same term at the Company&#146;s then current rate. To ensure a continuity of this trend, the Company expects to continue to offer market rates of interest. Its ability to retain maturing deposits in certificate accounts
is difficult to project; however, the Company is confident that by competitively pricing these certificates, levels deemed appropriate by management can be achieved on a continuing basis. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, the Company had $2.1 billion of certificates of deposit in
amounts of $100,000 or more outstanding, maturing as follows: $1.1 billion within 3 months; $344 million over 3 months through 6 months; $311 million over 6 months through 12 months; and $414 million thereafter. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth the customer account and customer repurchase activities of the Company for the years indicated. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,617,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,846,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,900,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Acquired Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">379,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">744,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Withdrawals</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,555,597</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(8,677,426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,419,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in deposits before interest credited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">441,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">912,985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">481,336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest credited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">244,025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">259,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">191,435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">685,059</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,172,754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">672,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Borrowings.</B> The Company obtains advances from the FHLB upon the security of
the FHLB capital stock it owns and certain of its home mortgages, provided certain standards related to credit worthiness have been met. See &#147;Regulation &#150; Washington Federal Savings &#150; Federal Home Loan Bank System&#148; below. Such
advances are made pursuant to several different credit programs. Each credit program has its own interest rate and range of maturities, and the FHLB prescribes acceptable uses to which the advances pursuant to each program may be put, as well as
limitations on the size of such advances. Depending on the program, such limitations are based either on a fixed percentage of assets or the Company&#146;s creditworthiness. The FHLB is required to review its credit limitations and standards at
least annually. FHLB advances have, from time to time, been available to meet seasonal and other withdrawals of savings accounts and to expand Washington Federal&#146;s lending program. The Company had $2.1 billion of FHLB advances outstanding at
September&nbsp;30, 2009. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also uses reverse repurchase agreements as a form of borrowing. Under reverse repurchase
agreements, the Company sells an investment security to a dealer for a period of time and agrees to buy back that security at the end of the period and pay the dealer a stated interest rate for the use of the dealer&#146;s funds. The amount of
securities sold under such agreements depends on many factors, including the terms available for such transactions, the perceived ability to apply the proceeds to investments yielding a higher return, the demand for the securities and
management&#146;s perception of trends in interest rates. The Company had $800 million of securities sold under such agreements at September&nbsp;30, 2009. See Note I to the Consolidated Financial Statements included in Item&nbsp;8 hereof for
additional information. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company may need to borrow funds for short periods of time to meet day-to-day financing needs. In
these instances, funds are borrowed from other financial institutions for periods generally ranging from 1 to 7 days at the then current borrowing rate. At September&nbsp;30, 2009, the Company had only $600,000 of such short-term borrowings.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also offers two forms of repurchase agreements to its customers. One form has an interest rate that floats like a
money market deposit account. The other form has a fixed rate and is offered in a minimum denomination of $100,000. Both forms are fully collateralized by securities. These obligations are not insured by FDIC and are classified as borrowings for
regulatory purposes. The Company had $55.8 million of such agreements outstanding at September&nbsp;30, 2009. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">14 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents certain information regarding borrowings of Washington Federal
for the years indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds and securities sold to dealers under agreements to repurchase:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">873,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,100,354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">991,989</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum amount outstanding at any month-end during the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,175,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,275,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,040,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted-average interest rate during the period&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623,864</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,022,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,243,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum amount outstanding at any month-end during the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,800,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,206,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,743,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted-average interest rate during the period&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities sold to customers under agreements to repurchase:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,922</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum amount outstanding at any month-end during the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted-average interest rate during the period&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total average borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,519,123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,138,737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,274,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted-average interest rate on total average borrowings&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense divided by average daily balances. </FONT></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>Other Ratios </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth certain ratios related to the Company for the periods indicated.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on assets (1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.40</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.55</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">.33</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on equity (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.46</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.59</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.87</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average equity to average assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">13.36</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">11.99</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">11.57</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividend payout ratio (3)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">53.90</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">118.31</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.48</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income divided by average total assets. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income divided by average equity. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends declared per share divided by net income per share. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">15 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Rate/Volume Analysis </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The table below sets forth certain information regarding changes in interest income and interest expense of the Company for the years indicated. For each category of interest-earning asset and
interest-bearing liability, information is provided on changes attributable to: (1)&nbsp;changes in volume (changes in volume multiplied by old rate) and (2)&nbsp;changes in rate (changes in rate multiplied by old average volume). The change in
interest income and interest expense attributable to changes in both volume and rate has been allocated proportionately to the change due to volume and the change due to rate. </FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="33" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007 vs. 2006</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Increase (Decrease) Due
to</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008 vs. 2007</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Increase (Decrease) Due
to</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009 vs. 2008</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Increase (Decrease) Due
to</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Volume</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Volume</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Volume</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">91,897</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(18,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26,547</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(47,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(20,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,768</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,807</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,746</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investments&nbsp;(1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,576</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All interest-earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(19,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,746</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49,412</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(59,066</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,479</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,675</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(23,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,267</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(95,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(68,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances and other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,792</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(15,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All interest-bearing liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(28,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,059</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(111,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(79,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(29,207</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,353</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,007</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Includes interest on cash equivalents and dividends on stock of the FHLB of Seattle. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest Rate Risk </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company accepts a high level of interest rate volatility as a result of its policy to originate fixed-rate single-family home loans that are longer-term in nature than the short-term characteristics
of its liabilities of customer accounts and borrowed money. The strong capital position and low operating costs have allowed the Company to manage interest rate risk, within guidelines established by the Board of Directors, through all interest rate
cycles. A significant increase in market interest rates could adversely affect net interest income of the Company. The Company&#146;s interest rate risk approach has never resulted in the recording of a monthly operating loss. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table shows the estimated repricing periods for earning assets and paying liabilities. </FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Repricing Period</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Within One<BR>Year</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>After&nbsp;1&nbsp;year&nbsp;-<BR>before 4<BR>Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Thereafter</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In&nbsp;thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of 9/30/09</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Earning Assets *</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,929,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,247,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,753,808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,931,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Paying Liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,068,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,652,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,721,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excess (Liabilities) Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,138,288</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">595,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,752,671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excess as % of Total Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-32.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Policy limit for one year excess</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-60.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Asset repricing period includes estimated prepayments based on historical activity </FONT></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, the Company had approximately $4.1 billion more liabilities subject to repricing in the next year than assets,
which amounted to a negative maturity gap of 33% of total assets. As of September&nbsp;30, 2008, the amount of excess liabilities subject to repricing within one year was approximately $4.0 billion or 34% of total assets. The increase of
approximately $150 million of liabilities in excess of assets repricing within one year was due to continued growth of long term assets, primarily 30 year mortgage backed securities, funded primarily through growth of short term customer deposits.
Although the absolute dollar amount of the one year gap increased by approximately $150 million, the negative maturity gap percentage actually decreased by 1%, due to the growth in the balance sheet. By having an excess of liabilities repricing
within one year over assets, the Company is subject to decreasing net interest income should interest rates rise. However, if the size and/or mix of the balance sheet changes, rising rates may not cause a decrease in net interest income. The
Company&#146;s interest rate risk approach has never resulted in the recording of a monthly operating loss. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following
table shows the potential impact of rising interest rates on net income for one year. We focus primarily on the impact of rising rates, given our negative gap position implies that generally when rates fall income should increase and when rates
increase income is at risk to decrease (assuming no change in the size or composition of the balance sheet). </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Potential
Impact of Rising Rates on Net Income </I></B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:67pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B><B><I>Basis Point&nbsp;Increase</I></B><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As&nbsp;of&nbsp;9/30/09</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As&nbsp;of&nbsp;9/30/08</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B><B><I>(in thousands)</I></B><B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">100</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13,398</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(12,915</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">200</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(26,795</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(25,830</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">300</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(40,193</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">(38,745</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The analysis presented assumes zero balance sheet growth and constant percentage
composition of assets and liabilities. Actual results will differ from the assumptions used in this model, as Management adjusts both the size and composition of the balance sheet to respond to changing interest rates. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2009 and 2008, the Company was in compliance with all of its interest rate risk guidelines. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">17 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Subsidiaries </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, is a unitary thrift holding company that conducts its primary business through its only subsidiary, Washington Federal Savings. Washington Federal Savings has three active wholly owned
subsidiaries which are discussed further below. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal Savings is permitted by current federal regulations to
invest an amount up to 2% of its assets in stock, paid-in surplus and unsecured loans in service corporations. Washington Federal Savings may invest an additional 1% of its assets when the additional funds are utilized for inner-city or community
development purposes. In addition, federally-chartered savings institutions that are in compliance with regulatory capital requirements and other conditions may make loans to service corporations in an aggregate amount of up to 50% of the
institution&#146;s capital as defined in federal regulations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, Washington Federal Savings was
authorized under the current regulations to have a maximum investment of $251.6 million in its service corporations, exclusive of the additional 1% of investment assets permitted for inner-city or community development purposes but inclusive of the
ability to make loans to its subsidiaries. On September&nbsp;30, 2009, Washington Federal Savings&#146; investment in, and unsecured loans to, its wholly owned service corporations amounted to $57.3 million. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Services, Inc., a wholly owned subsidiary of Washington Federal Savings, is continuing its investment in developable land zoned
light industrial in the technology corridor of South Snohomish County, Washington. Based upon the sales history of this development, the Company believes the net realizable value from the sale of the remaining properties exceeds the
subsidiary&#146;s basis in these properties. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">First Insurance Agency, Inc., a wholly owned subsidiary of Washington Federal
Savings, is an insurance agency that offers a full line of individual and business insurance products to customers of the Company, as well as to others. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Statewide Mortgage Services, Inc., a wholly owned subsidiary of Washington Federal Savings, is incorporated under the laws of the state of Washington for the purpose holding and marketing real estate held
for sale (REHI). As of September&nbsp;30, 2009, Statewide Mortgage Services held $56,758,000 of REHI. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">First Mutual Sales
Finance, Inc., a wholly owned subsidiary of Washington Federal Savings, is incorporated under the laws of the state of Delaware for the purpose of originating and servicing consumer loans. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A savings institution is required to deduct the amount of the investment in, and extensions of credit to, a subsidiary engaged in any
activities not permissible for national banks. Because the acquisition and development of real estate is not a permissible activity for national banks, the investments in, and loans to, the subsidiary of the institution which is engaged in such
activities are subject to exclusion from the capital calculation. See &#147;Regulation &#150; Washington Federal Savings &#150; Regulatory Capital Requirements&#148; below. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Employees </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2009, the Company had approximately
1,105 employees, including the full-time equivalent of 47 part-time employees and its service corporation employees. None of these employees are represented by a collective bargaining agreement, and the Company has enjoyed harmonious relations with
its personnel. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Regulation </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Set forth below is a brief description of certain laws and regulations that relate to the regulation of the Company and Washington Federal Savings. The description of these laws and regulations, as well
as descriptions of laws and regulations contained elsewhere herein, does not purport to be complete and is qualified in its entirety by reference to applicable laws and regulations. Certain federal banking laws have been recently amended. See
&#147;Regulation &#150; The Company &#150; Financial Modernization&#148; below. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company </B></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>General.</B> The Company is registered as a savings and loan holding company under the HOLA and is subject to OTS regulation, examination,
supervision and reporting requirements.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
Activities Restrictions. Under current federal law, no company may acquire control of a savings and loan holding company after May&nbsp;4, 1999, unless the company is engaged only in activities
traditionally permitted to a multiple savings and loan holding company or newly permitted to a financial holding company under Section&nbsp;4(k) of the Bank Holding Company Act. Existing savings and loan holding companies, and those formed pursuant
to an application filed with the OTS before May&nbsp;4, 1999, may engage in any activity, including non-financial or commercial activities, provided such companies control only one savings and loan association that meets the Qualified Thrift Lender
(&#147;QTL&#148;) test. Corporate reorganizations are permitted, but the transfer of grandfathered unitary thrift holding company status through acquisition is not permitted. The Company has grandfathered unitary thrift holding company status.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There are generally no restrictions on the activities of a grandfathered savings and loan holding company that holds only one
subsidiary savings institution; however, if the savings institution subsidiary of such a holding company fails to meet a QTL test, then such unitary holding company also shall become subject to the activities restrictions applicable to multiple
savings and loan holding companies and, unless the savings institution requalifies as a QTL within one year thereafter, shall register as, and become subject to the restrictions applicable to, a bank holding company. See &#147;Washington Federal
Savings &#150; Qualified Thrift Lender Test&#148; below. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">If the Company were to acquire control of another savings
institution, other than through a merger or other business combination with Washington Federal Savings, the Company would thereupon become a multiple savings and loan holding company. Except where such acquisition is pursuant to regulatory authority
to approve emergency thrift acquisitions, and where each subsidiary savings institution meets the QTL test, the activities of the Company and any of its subsidiaries (other than the Washington Federal Savings or other subsidiary savings
institutions) would thereafter be subject to further restrictions. After becoming a multiple savings and loan holding company, or subsidiary thereof, that is not a savings institution may commence or continue a business activity, without prior
notice to and with no objection by the OTS, other than: (i)&nbsp;furnishing or performing management services for a subsidiary savings institution; (ii)&nbsp;conducting an insurance agency or escrow business; (iii)&nbsp;holding, managing or
liquidating assets owned by or acquired from a subsidiary savings institution; (iv)&nbsp;holding or managing properties used or occupied by a subsidiary savings institution; (v)&nbsp;acting as trustee under deeds of trust; (vi)&nbsp;performing
activities authorized by regulation as of March&nbsp;5, 1987, to be engaged in by multiple savings and loan holding companies; or (vii)&nbsp;unless the Director of the OTS by regulation prohibits or limits such activities for savings and loan
holding companies, those activities authorized by the Federal Reserve Board as permissible for bank holding companies. Those activities described in (vii)&nbsp;above also must be approved by the Director of the OTS prior to being engaged in by a
multiple savings and loan holding company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Restrictions on Acquisitions.</B> Except under limited circumstances, savings
and loan holding companies are prohibited from acquiring, without prior approval of the Director of the OTS: (i)&nbsp;control of any other savings institution or savings and loan holding company, or substantially all the assets thereof, or
(ii)&nbsp;more than 5% of the voting shares of a savings institution or holding company thereof that is not a subsidiary. Except with the prior approval of the Director of the OTS, no director or officer of a savings and loan holding company, or
person owning or controlling by proxy or otherwise more than 25% of such company&#146;s stock, may acquire control of any savings institution, other than a subsidiary savings institution, or of any other savings and loan holding company. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Control of Company or Bank. </B>Under the HOLA and the Change in Bank Control Act, individuals, corporations or other entities
acquiring Company equity interests may, alone or together with other investors, be deemed to control a savings and loan holding company or savings institution. If deemed to control the holding company or institution , such person or group will be
required to obtain OTS approval to acquire ownership interests in the company or institution and could be subject to certain ongoing reporting procedures and restrictions under federal laws and regulations as a control person or savings and loan
holding company. Ownership of more than 10% of the voting equity or 25% or more of the total equity of a savings and loan holding company or savings institution may be deemed to constitute &#147;control,&#148; subject to rebuttal of that control
presumption. Rebuttable control may also be found if certain other facts and indicia of control are present. Individuals, corporations or other entities deemed in rebuttable control may rebut such presumption with the OTS by entering into a rebuttal
of control agreement, which places restrictions on the ability for such an individual, corporation or other entity to exercise any influence or control over the savings and loan holding company or savings institution. </FONT></P> <P
STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Washington Federal Savings </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>General.</B> Washington Federal Savings is a federally-chartered savings association, the deposits of which are federally insured and backed by the full faith and credit of the United States government. Accordingly, Washington Federal
Savings is subject to broad federal regulation and oversight by the OTS and the FDIC extending to all aspects of its operations. Washington Federal Savings is a member of the FHLB of Seattle and is subject to certain limited regulations by the Board
of Governors of the Federal Reserve System. Washington Federal Savings is a member of the FDIC and its deposits are insured up to applicable limits by the FDIC. As a result, the FDIC has certain regulatory and examination authority over Washington
Federal Savings. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">19 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Federal Savings Institution Regulations. </B>The OTS has extensive authority over the
operations of savings institutions. As part of this authority, savings institutions are required to file periodic reports with the OTS and are subject to periodic examinations by the OTS and the FDIC. Such regulation and supervision is primarily
intended for the protection of depositors and the DIF. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The investment and lending authority of Washington Federal Savings is
prescribed by federal laws and regulations, and Washington Federal Savings is prohibited from engaging in any activities not permitted by such laws and regulations. In particular, many types of lending authority for federal savings associations,
such as non-residential mortgage loans, are limited to a specified percentage of the institution&#146;s capital or assets. Separate from the qualified thrift lender test, the law limits a savings institution to a maximum of 20% of its total assets
in commercial loans not secured by real estate; however, only 10% can be commercial loans not secured by real estate (defined as loans in excess of $2&nbsp;million), with another 10% of assets permissible in small business loans, as defined by the
Small Business Administration Act. Commercial loans secured by real estate may not be held in an amount exceeding four times an institution&#146;s total risk-based capital. An institution can also hold commercial leases, in addition to the above
items, up to 10% of its assets. Commercial paper, corporate bonds, and consumer loans taken together cannot exceed 35% of an institution&#146;s assets. For this purpose, however, residential mortgage loans and credit card loans are not considered
consumer loans, and are both unlimited in amount. The foregoing limitations are established by statute, and cannot be waived by the OTS. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Interstate Branching.</B> As a federal savings association, Washington Federal Savings, subject to OTS oversight and approval, is permitted by Section&nbsp;5(r) of HOLA to establish branches in any
State or the District of Columbia without regard to State interstate branching laws, provided that it remains in compliance with the QTL Test or a similar test under the U.S. Internal Revenue Code on a state-by-state basis. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Insurance of Deposit Accounts.</B> Under current law, the maximum amount of federal deposit insurance coverage has been temporarily
increased from $100,000 to $250,000 per depositor, per institution. The basic deposit insurance limit may return to $100,000 after December&nbsp;31, 2013 if not extended by Congress. Due to the significant number of bank failures and the current
balance of the DIF, the Company anticipates continued increases in its FDIC premiums going forward. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Because the Company and
Washington Federal Savings have enrolled in the FDIC&#146;s Transaction Account Guarantee Program for non-interest bearing deposit accounts, FDIC insurance coverage of these deposits is unlimited until June&nbsp;30, 2010. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Federal Deposit Insurance Reform Act of 2005 (&#147;Reform Act&#148;), among other things, provided for the merger of the Bank Insurance
Fund with the Savings Association Insurance Fund to form the Deposit Insurance Fund and increased the coverage limit for retirement accounts to $250,000. In addition, the Reform Act allows the FDIC to adjust the ratio of FDIC reserves to the total
amount of insured deposits, within the range of 1.15% to 1.50%, depending on projected losses, economic changes and assessment ratios at the end of a calendar year. The Reform Act also required the FDIC to provide eligible insured depository
institutions that were in existence on and paid deposit insurance assessments prior to December&nbsp;31, 1996 with a one-time assessment credit against future premiums based on their share of the aggregate 1996 assessment base. The Bank received
notification from the FDIC that its one-time assessment credit was $1.9 million. The one-time assessment credit will expire in 2009. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The FDIC Board of Directors has established a reserve ratio target percentage of 1.25%. This means that their &#147;target&#148; balance for the reserves is 1.25% of estimated insured deposits. Due to recent bank failures, the reserve ratio
is currently significantly below its target balance. On February&nbsp;27, 2009, the FDIC adopted a Final Rule on Assessments, under which the quarterly initial base assessment rates increased substantially beginning in the second quarter of 2009.
The FDIC then adopted a Final Rule on Special Assessment on May&nbsp;22, 2009, which imposed a 5 basis point special assessment on each institution&#146;s assets minus Tier 1 capital as reported on the report of condition as of June&nbsp;30, 2009
but capped the special assessment at 10 basis points times the institution&#146;s assessment base for the second quarter 2009 risk-based assessment. On
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">20 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
September&nbsp;29, 2009, the FDIC Board of Directors adopted a notice of proposed rulemaking that would require insured depository institutions to prepay, on December&nbsp;30, 2009, their
estimated quarterly risk-based assessments for the fourth quarter of 2009 and for all of 2010, 2011 and 2012, along with their quarterly risk-based assessment for the third quarter of 2009. Given the continued decline in the Deposit Insurance Fund
balance, the Company anticipates that the FDIC will impose additional special emergency assessments in the future that will impact the Bank&#146;s capital levels and earnings. Washington Federal Savings may be able to pass part or all of this cost
on to its customers, including in the form of lower interest rates on deposits, or fees to some depositors, depending on market conditions. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition, all insured institutions are required to pay assessments to the FDIC at an annual Financing Corporation rate (as of the fourth quarter of 2009, 0.0102% of insured deposits) to fund interest
payments on bonds issued by the Financing Corporation, an agency of the federal government established to recapitalize the predecessor to the Savings Association Insurance Fund. These assessments will continue until the Financing Corporation bonds
mature in 2017 through 2019. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Regulatory Capital Requirements. </B>Federally insured savings institutions are required to
maintain minimum levels of regulatory capital. Pursuant to federal law, the OTS has established capital standards applicable to all savings institutions. These standards generally must be as stringent as the comparable capital requirements imposed
on national banks. The OTS also is authorized to impose capital requirements in excess of these standards on individual institutions on a case-by-case basis. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The capital regulations create three capital requirements: a tangible capital requirement, a leverage or core capital requirement and a risk-based capital requirement. All savings institutions must have
tangible capital of at least 1.5% of adjusted total assets, as defined by regulation. For purposes of this requirement, tangible capital is core capital less all intangibles other than certain purchased mortgage servicing rights. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core capital includes common stockholders&#146; equity, non-cumulative perpetual preferred stock and related surplus and minority interests
in consolidated subsidiaries, less intangibles (unless included under certain limited conditions, but in no event exceeding 25% of core capital), plus purchased mortgage servicing rights in an amount not to exceed 50% of core capital. The current
leverage or core capital requirement is at least 3.0% of adjusted total assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The risk-based capital standard requires
savings institutions to maintain a minimum ratio of total capital to risk-weighted assets of 8.0%. Total capital consists of core capital (defined above) and supplementary capital. Supplementary capital consists of certain capital instruments that
do not qualify as core capital and general valuation loan and lease loss allowances up to a maximum of 1.25% of risk-weighted assets. Supplementary capital may be used to satisfy the risk-based requirement only in an amount equal to the amount of
core capital. In determining the required amount of risk-based capital, total assets, including certain off-balance-sheet items, are multiplied by a risk-weight factor based on the risks inherent in the type of assets held by an institution. The
risk categories range from 0% for low-risk assets such as U.S. Treasury securities and GNMA securities to 100% for various types of loans and other assets deemed to be of higher risk. Single-family residential loans having loan-to-value ratios not
exceeding 80% and meeting certain additional criteria, as well as certain multi-family residential loans, qualify for a 50% risk-weight treatment. The book value of each asset is multiplied by the risk factor applicable to the asset category, and
the sum of the products of this calculation equals total risk-weighted assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">OTS regulations impose special capitalization
standards for savings institutions that own service corporations and other subsidiaries. In addition, certain exclusions from capital and assets are required when calculating total capital in addition to the adjustments for calculating core capital.
These adjustments do not materially affect the regulatory capital of Washington Federal Savings. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For information regarding
Washington Federal Savings&#146; compliance with each of these three capital requirements at September&nbsp;30, 2009, see Note M to the Consolidated Financial Statements included in Item&nbsp;8 hereof. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any savings institution that fails any of the capital requirements is subject to possible enforcement actions by the OTS or the FDIC. Such
actions could include a capital directive, a cease and desist order, civil money penalties, the establishment of restrictions on an institution&#146;s operations and/or the appointment of a conservator or receiver. OTS capital regulations provide
that such supervisory actions, through enforcement proceedings or otherwise, could require one or more of a variety of corrective actions. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Prompt Corrective Action. </B>Under federal law, each federal banking agency has implemented a system of prompt corrective action for institutions that it regulates. Under OTS regulations, an
institution shall be deemed to be: (i)&nbsp;well capitalized if it has total risk-based capital of 10.0% or more, a Tier 1 risk-based capital ratio of 6.0% or more, a Tier 1 leverage capital ratio of 5.0% or more and is not subject to any written
agreement, order or capital directive to meet and maintain a specific capital level for any capital measure; (ii)&nbsp;adequately capitalized if it has a total risk-based capital ratio of
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">21 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
8.0% or more, a Tier 1 risk-based capital ratio of 4.0% or more, a Tier 1 leverage capital ratio of 4.0% or more (3.0% under certain circumstances) and does not meet the definition of well
capitalized; (iii)&nbsp;undercapitalized if it has total risk-based capital ratio that is less than 8.0%, a Tier 1 risk-based capital ratio that is less than 4.0% or a Tier 1 leverage capital ratio that is less than 4.0% (3.0% under certain
circumstances); (iv)&nbsp;significantly undercapitalized if it has total risk-based capital ratio that is less than 6.0%, a Tier 1 risk-based capital ratio that is less than 3.0% or a Tier 1 leverage capital ratio that is less than 3.0%; and
(v)&nbsp;critically undercapitalized if it has a ratio of tangible equity to total assets that is equal to or less than 2.0%. Federal law authorizes the OTS to reclassify a well capitalized institution as adequately capitalized and may require an
adequately capitalized institution or an undercapitalized institution to comply with supervisory actions as if it were in the next lower category. (The FDIC may not reclassify a significantly undercapitalized institution as critically
undercapitalized). As of September&nbsp;30, 2009, Washington Federal Savings exceeded the requirements of a well capitalized institution. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Qualified Thrift Lender Test. </B>Under current legislation and applicable regulations, any savings institution is a QTL if: (i)&nbsp;it qualifies as a domestic building and loan association under
Section&nbsp;7701(a)(19) of the Internal Revenue Code (which generally requires that at least 60% of the institution&#146;s assets constitute housing-related and other qualifying assets) or (ii)&nbsp;at least 65% of the institution&#146;s portfolio
assets (as defined) consist of certain housing and consumer-related assets on a monthly average basis in at least nine out of every 12 months. A savings institution that does not meet a QTL test set forth in the HOLA and implementing regulations
must either convert to a bank charter or comply with the following restrictions on its operations: (i)&nbsp;the institution may not engage in any new activity or make any new investment, directly or indirectly, unless such activity or investment is
permissible for a national bank; (ii)&nbsp;the branching powers of the institution shall be restricted to those of a national bank; (iii)&nbsp;the institution shall not be eligible to obtain any advances from its FHLB; and (iv)&nbsp;payment of
dividends by the institution shall be subject to the rules regarding payment of dividends by a national bank. Upon the expiration of three years from the date the institution ceases to be a QTL, it must cease any activity, not retain any investment
not permissible for a national bank and immediately repay any outstanding FHLB advances (subject to safety and soundness considerations). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, Washington Federal Savings was in compliance with the QTL test set forth in the HOLA. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Transactions with Affiliates. </B>Under federal law, all transactions between and among a savings institution and its affiliates, which include holding companies, are subject to Sections 23A and 23B of
the Federal Reserve Act and Regulation W promulgated thereunder as interpreted by the OTS. Generally, these requirements limit these transactions to a percentage of the institution&#146;s capital and require all of them to be on terms at least as
favorable to the institution as transactions with non-affiliates. In addition, a savings institution may not lend to any affiliate engaged in non-banking activities not permissible for a bank holding company or acquire shares of any affiliate that
is not a subsidiary. The OTS is authorized to impose additional restrictions on transactions with affiliates if necessary to protect the safety and soundness of a savings institution. The OTS regulations also set forth various reporting requirements
relating to transactions with affiliates. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Extensions of credit by a savings institution to executive officers, directors and
principal shareholders are subject to Section&nbsp;22(h) of the Federal Reserve Act, which, among other things, generally prohibits loans to any such individual where the aggregate amount exceeds an amount equal to 15% of an institution&#146;s
unimpaired capital and surplus plus an additional 10% of unimpaired capital and surplus in the case of loans that are fully secured by readily marketable collateral. Section&nbsp;22(h) permits loans to directors, executive officers and principal
stockholders made pursuant to a benefit or compensation program that is widely available to employees of a subject savings institution provided that no preference is given to any officer, director or principal stockholder, or related interest
thereto, over any other employee. In addition, the aggregate amount of extensions of credit by a savings institution to all insiders cannot exceed the institution&#146;s unimpaired capital and surplus. Furthermore, Section&nbsp;22(g) places
additional restrictions on loans to executive officers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Restrictions on Capital Distributions. </B>OTS regulations govern
capital distributions by a federal savings association, which include cash dividends, stock repurchases and other transactions charged to the capital account. A savings association must file an application for approval of a capital distribution if:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the total capital distributions for the applicable calendar year exceed the sum of the savings association&#146;s net income for that year to date plus
the savings association&#146;s retained net income for the preceding two years; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the savings association would not be at least adequately capitalized following the distribution; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the distribution would violate any applicable statute, regulation, agreement or OTS-imposed condition; or </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the savings association is not eligible for expedited treatment of its filings. </FONT></P></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Even if an application is not otherwise required, every savings association that is a subsidiary of a holding company, such as Washington
Federal Savings, must still file a notice with the OTS at least 30 days before the Board of Directors declares a dividend or approves a capital distribution. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">22 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The OTS may disapprove a notice or application if: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the savings association would be undercapitalized following the distribution; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the proposed capital distribution raises safety and soundness concerns; or </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the capital distribution would violate a prohibition contained in any statute, regulation or agreement. </FONT></P></TD></TR></TABLE> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, the Federal Deposit Insurance Act provides that an insured depository institution, such as Washington Federal Savings, may not
make any capital distribution, if after making such distribution the institution would be undercapitalized. Additionally, because the Company had participated in the Capital Purchase Program(&#147;CPP&#148;) of the United States Department of the
Treasury (&#147;Treasury&#148;), it was subject to restrictions on common stock dividend payments until it exited the CPP. Effective May&nbsp;27, 2009, the Company fully redeemed the Preferred Stock that it had issued to the Treasury pursuant to the
CPP, thereby exiting the CPP and terminating the associated dividend restrictions. <B> </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Federal Home Loan Bank System.
</B>Washington Federal Savings is a member of the FHLB of Seattle, which is one of 12 regional FHLBs that provide funding to their members for making home mortgage loans, as well as for affordable housing and community development lending. Each FHLB
serves members within its assigned region. It is funded primarily from proceeds derived from the sale of consolidated obligations of the FHLB system. It makes loans to members (i.e., advances) in accordance with policies and procedures established
by the Board of Directors of the FHLB. At September&nbsp;30, 2009, the Company&#146;s advances from the FHLB amounted to $2.1 billion. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">As a member, the Company is required to purchase and maintain stock in the FHLB of Seattle in an amount equal to 3.50% of FHLB advances outstanding and .75% of mortgage loans and pass-through securities. At September&nbsp;30, 2009, the
Company had $144.5 million in FHLB Seattle stock, which was in compliance with this requirement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal law requires the
FHLB to provide funds for the resolution of troubled savings institutions and to contribute to affordable housing programs through direct loans or interest subsidies on advances targeted for community investment and low- and moderate-income housing
projects. These contributions have adversely affected the level of FHLB dividends paid and could continue to do so in the future. These contributions also could have an adverse effect on the value of FHLB stock in the future. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Community Reinvestment Act and Fair Lending Laws.</B> Savings institutions have a responsibility under the Community Reinvestment Act
(&#147;CRA&#148;) and related regulations of the OTS to help meet the credit needs of their communities, including low- and moderate-income neighborhoods. In addition, the Equal Credit Opportunity Act and the Fair Housing Act (together, the Fair
Lending Laws) prohibit lenders from discriminating in their lending practices on the basis of characteristics specified in those statutes. An institution&#146;s failure to comply with the provisions of the CRA could, at a minimum, result in
regulatory restrictions on its activities. Failure to comply with the Fair Lending Laws could result in enforcement actions by the OTS, as well as other federal regulatory agencies and the U.S. Department of Justice. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>USA Patriot Act of 2001.</B> A major focus of governmental policy on financial institutions in recent years has been aimed at combating
money laundering and terrorist financing. The USA PATRIOT Act of 2001 (the &#147;Patriot Act&#148;) substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due
diligence obligations, creating new crimes and penalties and expanding the extra-territorial scope of United States jurisdiction. The United States Treasury Department has issued a number of regulations under the Patriot Act which apply to financial
institutions such as Washington Federal Savings. These regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to
verify the identity of their customers. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply satisfactorily with all relevant Patriot Act requirements, could
have serious legal and reputational consequences for the institution. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Taxation </B></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Federal Taxation. </B>For federal and state income tax purposes, the Company reports its income and expenses on the accrual basis method
of accounting and files its federal and state income tax returns on a September&nbsp;30 fiscal year basis. The Company files consolidated federal and state income tax returns with its wholly-owned subsidiaries. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has been examined by the Internal Revenue Service through the year ended September&nbsp;30, 1990. There were no material changes
made to the Company&#146;s originally reported taxable income as a result of this examination. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">23 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>State Taxation. </B>The states of Washington and Nevada do not have an income tax. A
business and occupation tax based on a percentage of gross receipts is assessed against businesses in Washington state; however, interest received on loans secured by mortgages or deeds of trust on residential properties is not subject to this tax.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of Idaho has a corporate income tax with a statutory rate of 7.6% of apportionable income. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of Oregon has a corporate excise tax with a statutory rate of 6.6% of apportionable income. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of Utah has a corporate franchise tax with a statutory rate of 5.0% of apportionable income. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of Arizona has a corporate income tax with a statutory rate of 7.0% of apportionable income. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of Texas has a corporate franchise tax with a statutory rate of 1.0% of marginal apportionable income. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The state of New Mexico has a corporate income tax with statutory rates ranging from 4.8% to 7.6% over $1 million of apportionable income.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Availability of Financial Data </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Under the Securities Exchange Act of 1934, Washington Federal is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission
(&#147;SEC&#148;). You may read and copy any document Washington Federal files with the SEC at the SEC&#146;s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information about
the public reference room. The SEC maintains a website at www.sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC. Washington Federal files electronically
with the SEC. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal makes available, free of charge through its website, its reports on Forms&nbsp;10-K, 10-Q
and 8-K, and amendments to those reports, as soon as reasonably practicable after such reports are filed with or furnished to the SEC. Additionally, the Company has adopted and posted on its website a code of ethics that applies to its senior
financial officers. The Company&#146;s website also includes the charters for its audit committee and nominating committee. The address for the Company&#146;s website is www.washingtonfederal.com. The Company will provide a printed copy of any of
the aforementioned documents to any requesting shareholder. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Current Risk Factors </B></FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;1A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risk Factors </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ownership
of the Company&#146;s common stock involves risk. Investors should carefully consider, in addition to the other information set forth herein, the following risk factors. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>The current economic environment poses significant challenges for us and could adversely affect our financial condition and results of operations. </B></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are operating in a challenging and uncertain economic environment, including generally uncertain national and local conditions. Financial
institutions continue to be affected by sharp declines in the real estate market and constrained financial markets. Dramatic declines in the housing market over the past two years, with falling home prices and increasing foreclosures and
unemployment, have resulted in significant write-downs of asset values by financial institutions. Continued declines in real estate values, home sales volumes and financial stress on borrowers as a result of the uncertain economic environment will
have an adverse effect on our borrowers and their customers, which could adversely affect our financial condition and results of operations. A worsening of these conditions would likely exacerbate the adverse effects on us. A further deterioration
in local economic conditions in our markets could drive losses beyond that which is provided for in our allowance for loan losses. We may also face the following risks in connection with these events: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Economic conditions that negatively affect housing prices and demand, the job market and the demand for other goods and services have resulted, and may
continue to cause the credit quality of the Company&#146;s loan portfolios to deteriorate, and such deterioration in credit quality has had, and could continue to have, a negative impact on the Company&#146;s business. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">24 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Market developments may affect consumer confidence levels and may cause adverse changes in payment patterns, causing increases in delinquencies and
default rates on loans and other credit facilities. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The processes we use to estimate allowance for loan losses and reserves may no longer be reliable because they rely on complex judgments, including
forecasts of economic conditions, which may no longer be capable of accurate estimation. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our ability to assess the creditworthiness of our customers may be impaired if the models and approaches we use to select, manage, and underwrite our
customers become less predictive of future charge-offs. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">We expect to face increased regulation of our industry, and compliance with such regulation may increase our costs, limit our ability to pursue
business opportunities and increase compliance challenges. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">As these conditions or similar ones continue to exist or worsen, we could experience continuing or increased adverse effects on our financial
condition. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The effects of the current economic recession have been particularly severe in our primary
market areas. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Substantially all of our loans are to individuals, businesses and real estate developers in the Pacific
Northwest, Arizona, Utah and Nevada and our business depends significantly on general economic conditions in these market areas. The Pacific Northwest has one of the nation&#146;s highest unemployment rates and major employers in Oregon and
Washington have recently implemented substantial employee layoffs or scaled back growth plans. Severe declines in housing prices and property values have been particularly acute in our primary market areas. A further deterioration in economic
conditions or a prolonged delay in economic recovery in our primary market areas could result in the following consequences, any of which could have a material adverse effect on our business: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan delinquencies may increase; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Problem assets and foreclosures may increase; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Demand for our products and services may decline; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Collateral for loans made by us, especially real estate, may decline in value, in turn reducing a customer&#146;s borrowing power, and reducing the
value of assets and collateral associated with our loans; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investments in mortgage-backed securities may decline in value as a result of performance of the underlying loans or the diminution of the value of the
underlying real estate collateral. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s business is subject to interest rate risk and
changes in market interest rates may negatively affect its results of operations and financial condition.</B> Management is unable to predict fluctuations of market interest rates, which are affected by many factors, including: </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our primary source of income is net interest income, which is the difference between the interest income generated by our interest-earning
assets (consisting primarily of single-family residential loans) and the interest expense generated by our interest-bearing liabilities (consisting primarily of deposits). </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The level of net interest income is primarily a function of the average balance of our interest-earning assets, the average balance of our
interest-bearing liabilities, and the spread between the yield on such assets and the cost of such liabilities. These factors are influenced by both the pricing and mix of our interest-earning assets and our interest-bearing liabilities which, in
turn, are impacted by such external factors as the local economy, competition for loans and deposits, the monetary policy of the Federal Open Market Committee of the Federal Reserve Board of Governors (the &#147;FOMC&#148;), and market interest
rates. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The cost of our deposits is largely based on short-term interest rates, the level of which is driven by the FOMC.
However, the yields generated by our loans and securities are typically driven by long term (30-year) interest rates, which are set by the market and generally vary from day to day. The level of net interest income is therefore influenced by
movements in such interest rates, the pace at which such movements occur, and the volume and mix of our interest-bearing assets and liabilities. If the interest rates on our interest-bearing liabilities increase at a faster pace than the interest
rates on our interest-earning assets, the result could be a reduction in net interest income and with it, a reduction in our earnings. Our net interest income and earnings would be similarly impacted were the interest rates on our interest-earning
assets to decline more quickly than the interest rates on our interest-bearing liabilities. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">25 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, such changes in interest rates could affect our ability to originate loans and
attract and retain deposits; the fair values of our securities and other financial assets; the fair values of our liabilities; and the average lives of our loan and securities portfolios. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Decreases in interest rates could lead to increased loan refinancing activity which, in turn, would alter the balance of our
interest-earning assets and impact net interest income. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are unable to predict fluctuations of market interest rates, which
are affected by many factors, including: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inflation; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recession; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unemployment; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Monetary policy; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Domestic and international disorder and instability in domestic and foreign financial markets; and </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investor and consumer demand. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The matching of assets and liabilities may be analyzed by examining the extent to which such assets and liabilities are &#147;interest rate sensitive&#148; and by monitoring a bank&#146;s interest rate
sensitivity &#147;gap.&#148; An asset or liability is said to be interest rate sensitive within a specific time frame if it will mature or reprice within that period of time. The interest rate sensitivity gap is defined as the difference between the
amount of interest-earning assets estimated to mature or reprice within a specific time frame and the amount of interest-bearing liabilities estimated to mature or reprice within that same period of time. In a rising interest rate environment, an
institution with a negative gap would generally be expected, absent the effects of other factors, to experience a greater increase in the cost of its interest-bearing liabilities than it would in the yield on its interest-earning assets, thus
producing a decline in its net interest income. Conversely, in a declining rate environment, an institution with a negative gap would generally be expected to experience a lesser reduction in the yield on its interest-earning assets than it would in
the cost of its interest-bearing liabilities, thus producing an increase in its net interest income. At September&nbsp;30, 2009, the Company had a negative one-year gap of 32.9%, as compared to a negative one-year gap of 33.8% at September&nbsp;30,
2008. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unlike some lenders, we have chosen not to hedge our exposure to interest rates through the use of derivatives or other
methods. Moreover, from time to time our risk position is not balanced, which may expose us to interest rate risk with movements in market rates to a degree not experienced by other financial institutions. We have implemented asset and liability
management policies that seek to manage this risk, but those policies may not be successful. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company relies, in part,
on external financing to fund its operations and the unavailability of such funds in the future could adversely impact its growth and prospects. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company relies on deposits (primarily certificates of deposit), advances from the Federal Home Loan Bank of Seattle and other borrowings to fund its operations. Management has historically been able
to replace maturing deposits if desired; however the Company may not be able to replace such funds at any given point in time if its financial condition or market conditions were to change or the cost of doing so might adversely affect our financial
condition or results of operations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">26 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Although the Company considers its sources of funds adequate for its liquidity needs, it may
seek additional debt in the future to achieve its long-term business objectives. Such borrowings, if sought, may not be available to the Company or, if available, may not be on favorable terms. If additional financing sources are unavailable or are
not available on reasonable terms, the Company&#146;s growth and future prospects could be adversely affected. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">27 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s ability to pay dividends is subject to regulatory limitations and
other limitations which may affect its ability to pay dividends to its shareholders.</B> Washington Federal is a separate legal entity from its subsidiary, Washington Federal Savings, and does not have significant operations of its own. The
availability of dividends from Washington Federal Savings is limited by various statutes and regulations. It is possible, depending upon the financial condition of Washington Federal Savings and other factors, that the OTS, Washington Federal
Savings&#146; primary regulator, could assert that payment of dividends or other payments may result in an unsafe or unsound practice. If Washington Federal Savings is unable to pay dividends to the Company, the Company may not be able to pay
dividends on its common stock. Consequently, the inability to receive dividends from Washington Federal Savings could adversely affect the Company&#146;s financial condition, results of operations and prospects. </FONT></P> <P
STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The market price for our common stock may be volatile. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The market price of our common stock could fluctuate substantially in the future in response to a number of factors, including those discussed below. The market price of our common stock has in the past
fluctuated significantly and is likely to continue to fluctuate significantly. Some of the factors that may cause the price of our common stock to fluctuate include: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">variations in our and our competitors&#146; operating results; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in securities analysts&#146; estimates of our future performance and the future performance of our competitors; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">announcements by us or our competitors of mergers, acquisitions and strategic partnerships; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">additions or departure of key personnel; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">events affecting other companies that the market deems comparable to us; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">general conditions in the financial markets and real estate markets; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">general conditions in the United States; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the presence or absence of short selling of our common stock; and </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">future sales of our common stock or debt securities. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The stock markets in general have experienced substantial price and trading fluctuations. These fluctuations have resulted in volatility in the market prices of securities that often has been unrelated or
disproportionate to changes in operating performance. These broad market fluctuations may adversely affect the trading price of our common stock. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Persons holding our common stock could have the voting power of their shares of common stock on all matters significantly reduced under Washington&#146;s anti-takeover statutes, if the person holds in
excess of 10% of the voting power in the election of directors. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are incorporated in the state of Washington and subject
to Washington state law. Some provisions of Washington state law could interfere with or restrict takeover bids or other change-in-control events affecting us. For example, Chapter 23B.19 of the Washington Business Corporation Act, with limited
exceptions, prohibits a &#147;target corporation&#148; from engaging in specified &#147;significant business transactions&#148; for a period of five years after the share acquisition by an acquiring person, unless: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the prohibited transaction or the acquiring person&#146;s purchase of shares was approved by a majority of the members of the target corporation&#146;s
board of directors prior to the acquiring person&#146;s share acquisition; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the prohibited transaction was both approved by the majority of the members of the target corporation&#146;s board and authorized at a shareholder
meeting by at least two-thirds of the outstanding voting shares (excluding the acquiring person&#146;s shares) at or subsequent to the acquiring person&#146;s share acquisition. </FONT></P></TD></TR></TABLE> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">28 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">An acquiring person is defined as a person or group of persons that beneficially own 10% or
more of the voting securities of the target corporation. Such prohibited transactions include, among other things: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">certain mergers, or consolidations with, disposition of assets to, or issuances of stock to or redemption of stock from, the acquiring person;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">termination of 5% or more of the employees of the target corporation as a result of the acquiring person&#146;s acquisition of 10% or more of the
shares; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">allowing the acquiring person to receive any disproportionate benefit as a shareholder; and </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">liquidating or dissolving the target corporation. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">After the five-year period, certain &#147;significant business transactions&#148; are only permitted, if they comply with certain &#147;fair price&#148; provisions of the statute or are approved by a
majority of the outstanding shares other than those of which the acquiring person has beneficial ownership. As a Washington corporation, we are not permitted to &#147;opt out&#148; of this statute. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">29 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company may need to continue to increase its allowance for loan losses in material
amounts. We have also experienced and may continue to experience increases in net charge-offs. </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our customers may not
repay their loans according to the original terms, and the collateral securing the payment of those loans may be insufficient to pay any remaining loan balance. While we maintain an allowance for loan losses to provide for loan defaults and
non-performance, losses may exceed the value of the collateral securing the loans and the allowance may not fully cover any excess loss. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as
collateral for the repayment of loans. Our allowance for loan losses is based on these judgments, as well as historical loss experience and an evaluation of the other risks associated with our loan portfolio, including but not limited to, the size
and composition of the loan portfolio, current economic conditions and geographic concentrations within the portfolio. Federal regulatory agencies, as part of their examination process, review our loans and allowance for loan losses. If our
assumptions or judgments used to determine the allowance prove to be incorrect, if the value of the collateral securing the loans decreases substantially or if our regulators disagree with our judgments, we may need to increase the allowance in
amounts that exceed our expectations. Material additions to the allowance would adversely affect our results of operations and financial condition. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We recorded a $193million provision for loan losses during the year ended September&nbsp;30, 2009, compared to a $60.5million provision for the year ended September&nbsp;30, 2008. Our non-performing
assets amounted to $557million or 4.43% of total assets at September&nbsp;30, 2009, compared to $164million or 1.39% of total assets one year ago. We had net charge-offs of $111million for the year ended September&nbsp;30, 2009 compared with
$15million of net charge-offs for the year ended September&nbsp;30, 2008. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This significant increase in the provision for loan
losses is in response to three primary factors: first, the overall deterioration in the housing market in general in our eight western state territory; second, the significant increase in the combined balance of non-performing assets in our land
acquisition and development and speculative construction portfolios; and finally, the material increase in net charge-offs for the year. We expect our loan loss provision to remain at elevated levels until non-performing assets and charge-offs
improve. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s business is subject to various lending and other economic risks that could adversely impact
its operating results and financial condition.</B> Further deterioration in economic conditions, particularly in the Pacific Northwest, could hurt our business. The Company&#146;s business is directly affected by political and market conditions,
broad trends in industry and finance, legislative and regulatory changes, changes in governmental monetary and fiscal policies and inflation, all of which are beyond its control. Investments in U.S. government sponsored entities, such as Fannie Mae
and Freddie Mac, declined significantly in value, after the U.S Government placed both companies into conservatorship in September 2008. A deterioration in economic conditions could result in the following consequences, any of which could have a
material adverse effect on the Company&#146;s business: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan delinquencies may increase; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Problem assets and foreclosures may increase; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Demand for its products and services may decline; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Collateral for loans made by us, especially real estate, may decline in value, in turn reducing a customer&#146;s borrowing power, and reducing the
value of assets and collateral associated with its loans; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investments in mortgage-backed securities may decline in value as a result of the diminution of the value of the underlying real estate collateral.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>A downturn in the real estate market has hurt the Company&#146;s business.</B> Actions by other lenders
or bank regulators could further depress the value of our real estate holdings. The Company&#146;s business activities and credit exposure are concentrated in real estate lending. During fiscal 2009, the market for residential housing has
experienced dramatic declines, with falling home prices and increasing foreclosures. The Company significantly increased its provision for loan losses in fiscal 2009. A downturn in the real estate market hurts the Company&#146;s business because the
vast majority of its loans are secured by real estate. If the significant decline in market values continues, the collateral for the Company&#146;s loans will provide increasingly less security. As a result, the Company&#146;s ability to recover the
principal amount due on defaulted loans by selling the underlying real estate will be diminished, and the Company will be more likely to suffer losses on defaulted loans. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In fiscal year 2009, we increased the amount of real estate we own as a result of
foreclosures relating to non-performing loans. We believe that it may prove less expensive to hold land or finished lots on which we foreclose until market conditions improve, rather than sell at current market prices. If other lenders or borrowers
liquidate significant amounts of real estate in a rapid or disorderly fashion or if the FDIC elects to dispose of significant amounts of real estate from failed financial institutions in a similar fashion, it could have an adverse effect on the
values of the properties we own. In such case, we may incur further write-downs and charge-offs, which could, in turn, adversely affect our results of operations and financial condition </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company may suffer losses in its loan portfolio despite its underwriting practices.</B> The Company seeks to mitigate the risks
inherent in its loan portfolio by adhering to specific underwriting practices. These practices often include analysis of a borrower&#146;s prior credit history, financial statements, tax returns and cash flow projections; valuation of collateral;
obtaining personal guarantees of loans to businesses; and verification of liquid assets. If the underwriting process fails to capture accurate information or proves to be inadequate, we may incur losses on loans that meet our underwriting criteria,
and those losses may exceed the amounts set aside as reserves in the allowance for loan losses. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company operates in a
highly regulated industry, which limits the manner and scope of our business activities.</B> The Company is subjected to extensive supervision, regulation and examination by the Office of Thrift Supervision and by the FDIC. As a result and due to
restrictions on our activities as a result of the thrift charter, we are limited in the manner in which we conduct our business, undertake new investments and activities and obtain financing. This regulatory structure is designed primarily for the
protection of the deposit insurance funds and our depositors, and not to benefit our stockholders. This regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities
and examination policies to address not only compliance with applicable laws and regulations (including laws and regulations governing consumer credit, and anti-money laundering and anti-terrorism laws), but also capital adequacy, asset quality and
risk, management ability and performance, earnings, liquidity, and various other factors. As part of this regulatory structure, we are subject to policies and other guidance developed by the regulatory agencies with respect to capital levels, the
timing and amount of dividend payments, the classification of assets and the establishment of adequate loan loss reserves for regulatory purposes. Under this structure the OTS and the FDIC have broad discretion to impose restrictions and limitations
on our operations if they determine, among other things, that our operations are unsafe or unsound, fail to comply with applicable law or are otherwise inconsistent with laws and regulations or with the supervisory policies of these agencies. This
supervisory framework could materially impact the conduct, growth and profitability of our operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Failure to comply with
applicable laws and regulations also could result in a range of sanctions and enforcement actions, including the imposition of civil money penalties, formal agreements and cease and desist orders. In addition, the OTS and the FDIC have specific
authority to take &#147;prompt corrective action,&#148; depending on our capital level. Currently, we are considered &#147;well-capitalized&#148; for prompt corrective action purposes. If we were to drop to the &#147;adequately capitalized&#148;
level, the OTS could restrict our ability to take brokered deposits. If we were to fall to the lower capital levels &#150; &#147;undercapitalized,&#148; &#147;significantly undercapitalized&#148; and &#147;critically undercapitalized&#148; &#150; we
would be required to raise additional capital and also would be subject to progressively more severe restrictions on our operations, management and capital distributions; replacement of senior executive officers and directors; and, if we became
&#147;critically undercapitalized,&#148; to the appointment of a conservator or receiver. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We expect to face increased
regulation and supervision of our industry as a result of the current financial crisis, and there will be additional requirements and conditions imposed on us to the extent that we participate in any of the programs established or to be established
by the Treasury under the Emergency Economic Stabilization Act of 2008 (the &#147;EESA&#148;) or by the federal bank regulatory agencies. Such additional regulation and supervision may increase our costs and limit our ability to pursue business
opportunities. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Recent legislative and regulatory initiatives to support the financial services industry have been coupled
with numerous restrictions and requirements that could detrimentally affect the Company&#146;s business and require us to raise additional capital. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition to the U.S. Treasury&#146;s Capital Purchase Program (&#147;CPP&#148;) under the Troubled Asset Relief Program (&#147;TARP&#148;) announced in the fall of 2008, the U.S. Treasury and the FDIC
have taken further steps to support and regulate the financial services industry, that include enhancing the liquidity support available to financial institutions, establishing a commercial paper funding facility, temporarily guaranteeing money
market funds and certain types of debt issuances, and increasing insurance on bank deposits. Also, the U.S. Congress, through the EESA and the American Recovery and Reinvestment Act of 2009, have imposed a number of restrictions and limitations on
the operations of financial services firms participating in the federal programs. These programs subject us and other financial institutions who participate in them to
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">31 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
(1)&nbsp;additional restrictions, oversight, reporting obligations and costs; and (2)&nbsp;compensation restrictions that limit our ability to attract and retain executives, each of which could
have an adverse impact on our business, financial condition, results of operations or the price of our common stock. In addition, new proposals for legislation continue to be introduced in the U.S. Congress that could further substantially increase
regulation of the financial services industry and impose restrictions on the ability of firms within the industry to conduct business consistent with historical practices, including aspects such as compensation, interest rates, new and inconsistent
consumer protection regulations and mortgage regulation, among others. Federal and state regulatory agencies also frequently adopt changes to their regulations or change the manner in which existing regulations are applied. We cannot predict the
substance or impact of pending or future legislation or regulation, or the application thereof. Compliance with such current and potential regulation and scrutiny may significantly increase our costs, impede the efficiency of our internal business
processes, require us to increase our regulatory capital and limit our ability to pursue business opportunities in an efficient manner. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>The Company faces strong competition from other financial institutions, offering services similar to those offered by us.</B> Many competitors offer the types of loans and deposit services that the
Company offers. These competitors include other savings associations, community banks, credit unions and other financial intermediaries. In particular, the Company&#146;s competitors include national banks and major financial companies whose greater
resources may afford them a marketplace advantage by enabling them to maintain numerous banking locations and mount extensive promotional and advertising campaigns. Increased competition within the Company&#146;s market area may result in reduced
loan originations and deposits. Ultimately, the Company may not be able to compete as successfully against current and future competitors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Difficulties in integrating the operations of acquired companies with Washington FederalSavings&#146; own operations may prevent it from achieving the expected benefits from its acquisitions.</B>
Washington Federal Savings has historically expanded its business through mergers with competitors and acquisitions of particular thrift assets. We intend to continue to consider additional growth opportunities, including purchases of failed thrifts
and banks or their assets from the FDIC. We may not be able to fully realize the strategic and operating efficiencies in an acquisition. Inherent uncertainties exist in the operations of an acquired entity. Although the Company seeks merger or
acquisition partners that are culturally similar and have experienced management, it is possible that Washington Federal may lose customers or key personnel of acquired entities as a result of an acquisition. In addition, the market conditions where
Washington Federal and its potential acquisition targets operate are highly competitive. These factors could contribute to Washington Federal not achieving the expected benefits from its acquisitions within desired time frames, if at all.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Failure to successfully implement a new core operating system may adversely affect Washington Federal Savings&#146;
business operations.</B> Our future success will depend, in part, upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands for convenience, as well as to create
additional efficiencies and provide improved security in our operations. In order to meet these needs, Washington Federal Savings&#146; is in the process of implementing substantial changes to its core operating system. We may not be able to
successfully implement the new core operating system in an effective manner or integrate the system with the operations of recently acquired institutions. In addition, we may incur significant increases in costs and encounter extensive delays in the
implementation and rollout of our new operating system. Failure to effectively implement our new operating system may adversely affect Washington Federal Savings&#146; operations as well as customer perceptions. </FONT></P> <P
STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Increases in FDIC insurance premiums may cause our earnings to decrease. </B></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Emergency Economic Stabilization Act of 2008 temporarily increased the limit on FDIC coverage to $250,000 for all accounts through
December&nbsp;31, 2013. We have also enrolled in the Temporary Liquidity Guarantee Program for noninterest-bearing transaction deposit accounts. In addition, in May 2009, the Board of Directors of the FDIC approved a further increase in deposit
insurance premiums, including a one-time special assessment on deposits as of June&nbsp;30, 2009 and allows the FDIC to impose additional special assessments on the expanded assessment base for the third and fourth quarters of calendar year 2009. In
addition, the substantial number of bank failures as a result of the current financial crisis has led to a rapid depletion of the FDIC&#146;s insurance fund. We anticipate that the premiums assessed by the FDIC to increase meaningfully in the near
future. These actions will significantly increase our noninterest expense in our fiscal year 2010 and in future years as long as the increased premiums remain in place. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">32 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>There may be future sales or other dilution of our equity, which may adversely affect the
market price of our common stock. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are not restricted from issuing additional shares of common stock, including any
securities that are convertible into or exchangeable for, or that represent the right to receive, common stock. The issuance of any additional shares of common or of preferred stock or convertible securities or the exercise of such securities could
be substantially dilutive to stockholders of our common stock. For instance, exercise of the warrant issued to the U.S. Treasury in connection with our participation in the Capital Purchase Program would dilute the value of our common shares.
Holders of our shares of common stock have no preemptive rights that entitle holders to purchase their pro rata share of any offering of shares of any class or series and, therefore, such sales or offerings could result in increased dilution to our
stockholders. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;1B.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Unresolved Staff Comments </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Not applicable. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">33 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Properties </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
owns the building in which its principal executive offices are located in Seattle, Washington. The following table sets forth certain information concerning the Company&#146;s offices: </FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:30pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Location</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Number</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>of<BR>Offices</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Building</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Net Book Value at<BR>September&nbsp;30,&nbsp;2009</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>(2)</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Owned</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Leased&nbsp;(1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">84,533</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Idaho</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,107</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Oregon</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,368</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Utah</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,691</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Arizona</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,029</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Texas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,266</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">New Mexico</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,897</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nevada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,586</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133,477</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The leases have varying terms expiring from 2009 through 2070, including renewal options. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount represents the net book value of all land, property and equipment owned by the Company and the book value of leasehold improvements, where applicable.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal evaluates on a continuing basis the suitability and adequacy of its offices, both branches
and administrative centers, and has opened, relocated, remodeled or closed them as necessary to maintain efficient and attractive premises. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Washington Federal&#146;s net investment in premises, equipment and leaseholds was $133.5 million at September&nbsp;30, 2009. </FONT></P> <P
STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Legal Proceedings </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company is involved in legal proceedings occurring in the ordinary course of business that in the aggregate are believed by management to be immaterial to the financial statements of the Company. The effects of legal proceedings did not have a
material impact on the statements of operations for any of the three years ended September&nbsp;30, 2009. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Submission of Matters to a Vote of Security Holders </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Not applicable. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">34 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PART II </B></FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference from page 41 of the Company&#146;s Annual Report to Stockholders for 2009
(&#147;Annual Report&#148;), which is included herein as Exhibit 13. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s stock repurchase program was publicly
announced by the board of directors on February&nbsp;3, 1995 and has no expiration date. Under this program, a total of 21,956,264 shares of the Company&#146;s common stock have been authorized for repurchase. There were no repurchases of the
Company&#146;s common stock made by or on behalf of the Company during the three months or year ended September&nbsp;30, 2009. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Selected Financial Data </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The information required herein is incorporated by reference from page 12 of the Annual Report. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;7.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference on pages 5 through 11 of the Annual Report. </FONT></P> <P
STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;7A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Quantitative and Qualitative Disclosures About Market Risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference to Interest Rate Risk commencing on page 17 of this Form 10-K. </FONT></P> <P
STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;8.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Statements and Supplementary Data </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The financial statements and supplementary data required herein are incorporated by reference from pages 13 through 37 of the Annual Report. </FONT></P> <P
STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;9.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Changes in and Disagreements with Accountants on Accounting and Financial Disclosure </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Not applicable. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;9A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Controls and Procedures </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">As of the end of the period covered by this report, the Company carried out an evaluation, under the supervision and with the participation of the Company&#146;s management, including the Company&#146;s President and Chief Executive Officer
along with the Company&#146;s Executive Vice President and Chief Financial Officer, of the effectiveness of the design and operation of the Company&#146;s disclosure controls and procedures pursuant to the Securities Exchange Act of 1934
(&#147;Exchange Act&#148;) Rule 13a-15. Based upon that evaluation, the Company&#146;s President and Chief Executive Officer, along with the Company&#146;s Executive Vice President and Chief Financial Officer, concluded that the Company&#146;s
disclosure controls and procedures are effective in timely alerting them to material information relating to the Company (including its consolidated subsidiaries) required to be included in the Company&#146;s periodic SEC filings. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosure controls and procedures are Company controls and other procedures that are designed to ensure that information required to be
disclosed by the Company in the reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the SEC&#146;s rules and forms. Disclosure controls and procedures include,
without limitation, controls and procedures designed to ensure that information required to be disclosed by the Company in the reports that it files under the Exchange Act is accumulated and communicated to the Company&#146;s management, including
its President and Chief Executive Officer and Executive Vice President and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have been no changes in the Company&#146;s internal control over financial reporting that occurred during the Company&#146;s most
recent fiscal quarter that have materially affected, or are reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The annual Management&#146;s Report on Internal Control over Financial Reporting and the Attestation reports of the Company&#146;s Registered Public Accounting Firm required herein is incorporated by
reference on pages 38 and 39 of the Annual Report. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;9B.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Other Information </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Not
applicable. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">35 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PART III </B></FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;10.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Directors, Executive Officers and Corporate Governance </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference to the Proxy Statement which is expected to be dated December&nbsp;11, 2009, for the Company&#146;s annual meeting of stockholders to be held
on January&nbsp;20, 2010 (&#147;Proxy Statement&#148;). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has adopted a code of ethics that applies to all senior
financial officers, including its Chief Executive Officer and Chief Financial Officer. The code of ethics is publicly available on the Company&#146;s website at <U>www.washingtonfederal.com</U>. If the Company makes any substantive amendments to the
code of ethics or grants any waiver from a provision of the code, it will disclose the nature of such amendment or waiver on its website or in a report on Form 8-K. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;11.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Executive Compensation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The information required herein is incorporated by reference the Proxy Statement. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;12.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference to the Proxy Statement. </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required in this item 12 regarding equity compensation plans is incorporated by reference to Note L on pages 30 through 32
of the Annual Report. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;13.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Certain Relationships and Related Transactions and Director Independence </B></FONT></TD></TR></TABLE> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference to the Proxy Statement. </FONT></P> <P
STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;14.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Principal Accounting Fees and Services </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required herein is incorporated by reference to the Proxy Statement. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">36 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PART IV </B></FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;15.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibits and Financial Statement Schedules </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(a)(1) The following financial statements are incorporated herein by reference from pages 13 through 37 of the Annual Report. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Reports of Independent Registered Public Accounting Firm </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consolidated Statements
of Financial Condition as of September&nbsp;30, 2009 and 2008 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consolidated Statements of Operations for each of the years in
the three-year period ended September&nbsp;30, 2009 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consolidated Statements of Stockholders&#146; Equity for each of the years
in the three-year period ended September&nbsp;30, 2009 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consolidated Statements of Cash Flows for each of the years in the
three-year period ended September&nbsp;30, 2009 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Notes to Consolidated Financial Statements </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)(2) There are no financial statement schedules filed herewith. </FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)(3) The following exhibits are filed as part of this report, and this list includes the Exhibit Index: </FONT></P> <P
STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:11pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>No.</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:25pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Exhibit</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Page/<BR>Footnote</B></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Restated Articles of Incorporation of the Company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles of Amendment to the Restated Articles of Incorporation of the Company, dated June 7, 2005</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles of Amendment to the Restated Articles of Incorporation of the Company, dated November 10, 2008</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bylaws of the Company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has certain debt obligations outstanding. None of the instruments evidencing such debt authorizes an amount of securities in excess of 10% of the total assets of the
Company and its subsidiaries on a consolidated basis; therefore, copies of such instruments are not included as exhibits to this Annual Report on Form&nbsp;10-K. The Company agrees to furnish copies to the SEC upon request.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">1982 Employee Stock Compensation Program*</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">1987 Stock Option and Stock Appreciation Rights Plan*</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">1994 Stock Option and Stock Appreciation Rights Plan*</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">2001 Long-Term Incentive Plan*</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of award agreement for restricted stock for 2001 Long Term Incentive Plan *</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of award agreement for stock options for all plans*</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6)</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Annual Report to Stockholders</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subsidiaries of the Company - Reference is made to Item 1, &#147;Business - Subsidiaries&#148; for the required information</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">23</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Independent Registered Public Accounting Firm</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">31.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Section 302 Certification by the Chief Executive Officer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">31.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Section 302 Certification by the Chief Financial Officer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">32</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Section 906 Certification pursuant to the Sarbanes-Oxley Act of 2002</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Management contract or compensation plan </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Registration Statement on Form S-3ASR filed with the SEC on September&nbsp;14, 2009. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Annual Report on Form 10-K filed with the SEC on November&nbsp;22, 2006. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Annual Report on Form 10-K filed with the SEC on November&nbsp;17, 2008. </FONT></TD></TR></TABLE> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">37 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Registration Statement on Form 8-B filed with the SEC on January&nbsp;26, 1995. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Registration Statement on Form S-8 filed with the SEC on January&nbsp;23, 2002. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Incorporated by reference from the Registrant&#146;s Annual Report on Form 10-K filed with the SEC on November&nbsp;8, 2005. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">See (a)(3) above for all exhibits filed herewith and the Exhibit Index. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">All schedules are omitted as the required information is not applicable or the information is presented in the Consolidated Financial Statements or related notes.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">38 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SIGNATURES </B></FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report
to be signed on its behalf by the undersigned, thereunto duly authorized. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>WASHINGTON FEDERAL, INC.</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;30, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp; R<SMALL>OY</SMALL> M.
W<SMALL>HITEHEAD&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Roy M. Whitehead, Chairman,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>President and Chief Executive Officer</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of the Securities Exchange Act of 1934, this report is
signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;R<SMALL>OY</SMALL> M.
W<SMALL>HITEHEAD&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Roy M. Whitehead, Director, Chairman,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>President and Chief Executive Officer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Principal
Executive Officer)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;B<SMALL>RENT</SMALL> J.
B<SMALL>EARDALL&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Brent J. Beardall, CPA</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Executive Vice President and Chief Financial Officer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Principal Financial
and Accounting Officer)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;J<SMALL>OHN</SMALL> F.
C<SMALL>LEARMAN&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>John F. Clearman, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;D<SMALL>EREK</SMALL> L.
C<SMALL>HINN&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Derek L. Chinn, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;J<SMALL>AMES</SMALL> J. D<SMALL>OUD</SMALL>,
J<SMALL>R</SMALL>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>James J. Doud, Jr., Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;H. D<SMALL>ENNIS</SMALL>
H<SMALL>ALVORSON&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>H. Dennis Halvorson, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;A<SMALL>NNA</SMALL> C.
J<SMALL>OHNSON&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Anna C. Johnson, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;T<SMALL>HOMAS</SMALL> J.
K<SMALL>ELLEY&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Thomas J. Kelley, Director</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;T<SMALL>HOMAS</SMALL> F.
K<SMALL>ENNEY&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Thomas F. Kenney, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;C<SMALL>HARLES</SMALL> R.
R<SMALL>ICHMOND&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Charles R. Richmond, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;&nbsp;&nbsp;&nbsp;B<SMALL>ARBARA</SMALL> L.
S<SMALL>MITH&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SMALL></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Barbara L. Smith, Director</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">39 </FONT></P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-13
<SEQUENCE>2
<FILENAME>dex13.htm
<DESCRIPTION>ANNUAL REPORT TO STOCKHOLDERS
<TEXT>
<HTML><HEAD>
<TITLE>Annual Report to Stockholders</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 13 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582cov.jpg" ALT="LOGO"> </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">
<FONT STYLE="font-family:ARIAL" SIZE="2"><B>WASHINGTON FEDERAL, INC. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>ANNUAL
REPORT 2009 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>425 Pike Street, Seattle, WA 98101 </B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582toc_ash2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="toc"></A>TABLE OF CONTENTS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_1">Financial Highlights</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_2">To Our Stockholders</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_3">Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_4">Selected Financial Data</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_5">Financial Statements</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_6">Notes to Consolidated Financial Statements</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_7">Management&#146;s Report on Internal Control over Financial Reporting</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_8">Reports of Independent Registered Public Accounting Firm</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_9">Performance Graphs</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_10">General Corporate and Stockholders&#146; Information</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx90582_11">Directors, Officers and Offices</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582toc_ash2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>A SHORT HISTORY </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc. (Company or Washington Federal) is a
unitary thrift holding company headquartered in Seattle, Washington. Its principal subsidiary is Washington Federal Savings, which operates 150 offices in eight western states. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company had its origin on April&nbsp;24, 1917, as Ballard Savings and Loan Association. In 1935, the state-chartered Company converted to
a federal charter, became a member of the Federal Home Loan Bank (FHLB) system and obtained federal deposit insurance. In 1958, Ballard Federal Savings and Loan Association merged with Washington Federal Savings and Loan Association of Bothell, and
the latter name was retained for wider geographical acceptance. In 1971, Seattle Federal Savings and Loan Association, with three offices, merged into the Company, and at the end of 1978, was joined by the 10 offices of First Federal Savings and
Loan Association of Mount Vernon. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On November&nbsp;9, 1982, the Company converted from a federal mutual to a federal stock
association. In 1987 and 1988, acquisitions of United First Federal, Provident Federal Savings and Loan, and Northwest Federal Savings and Loan, all headquartered in Boise, Idaho, added 28 Idaho offices to the Company. In 1988, the acquisition of
Freedom Federal Savings and Loan Association in Corvallis, Oregon, added 13 Oregon offices, followed in 1990 by the eight Oregon offices of Family Federal Savings. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In 1991, the Company added three branches with the acquisition of First Federal Savings and Loan Association of Idaho Falls, Idaho, and acquired the deposits of First Western Savings Association of Las
Vegas, Nevada, in Portland and Eugene, Oregon, where they were doing business as Metropolitan Savings Association. In 1993, 10 branches were added with the acquisition of First Federal Savings Bank of Salt Lake City, Utah. In 1994, the Company
expanded into Arizona. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 1995, the stockholders approved a reorganization whereby Washington Federal Savings became a wholly
owned subsidiary of a newly formed holding company, Washington Federal, Inc. That same year, the Company purchased West Coast Mutual Savings Bank with its one branch in Centralia, Washington, and opened six additional branches. In 1996, the Company
acquired Metropolitan Bancorp of Seattle, adding eight offices in Washington in addition to opening four branches in existing markets. Between 1997 and 1999, Washington Federal Savings continued to develop its branch network, opening a total of
seven branches and consolidating three offices into existing locations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 2000, the Company expanded into Las Vegas, opening
its first branch in Nevada along with two branches in Arizona. In 2001, the Company opened two additional branches in Arizona and its first branch in Texas with an office in the Park Cities area of Dallas. In 2002, Washington Federal Savings opened
five full-service branches in existing markets. In 2003, the Company purchased United Savings and Loan Bank with its four branches in the Seattle metropolitan area, added one new branch in Puyallup, Washington, and consolidated one branch in Nampa,
Idaho. In 2005, the Company consolidated two branches in Mount Vernon, Washington, into one and opened branches in Plano, Texas, and West Bend, Oregon. In 2006, the Company opened locations in Klamath Falls, Oregon, Richardson, Texas and another in
Las Vegas, Nevada. During 2006, a branch in Medford, Oregon, was opened. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company acquired First Federal Banc of the
Southwest, Inc., the holding company for First Federal Bank located in Roswell, New Mexico, on February&nbsp;13, 2007. First Federal Bank had 13 branch locations, 11 in New Mexico and two in El Paso, Texas. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company acquired First Mutual Bancshares, Inc. (&#147;First Mutual&#148;), the holding company for First Mutual Bank, on February&nbsp;1,
2008. First Mutual had 12 branches primarily located in the eastside of Seattle. The Company also opened a location in Redmond, Oregon in 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">During 2009, the Company opened two new locations, one in Las Vegas, Nevada and the other in Prescott Valley, Arizona. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company obtains its funds primarily through deposits from the general public, from repayments of loans, borrowings and retained earnings. These funds are used largely to make loans to individuals and
business for the purchase of new and existing homes, construction and land loans, commercial real estate, commercial and industrial loans, and for investments. </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582fh2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_1"></A>FINANCIAL HIGHLIGHTS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;Change</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="margin-left:1.00em; text-indent:-1.00em;"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="right"> <P STYLE="margin-left:1.00em; text-indent:-1.00em;" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except per share data)</FONT></P></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em;"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,582,475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,830,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">503</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-57</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans receivable, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,983,430</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-5</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,282,865</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,551,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">47</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,842,310</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,169,539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances and other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,879,530</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,175,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-9</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,745,485</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,332,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">31</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income available to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>40,684</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-76</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stockholders&#146; equity per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Shares outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>112,248</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.87</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Efficiency ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27.30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582fh2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g54j15.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g34v06.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL"
SIZE="1">1</FONT></P></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582tos2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_2"></A>TO OUR STOCKHOLDERS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">
<FONT STYLE="font-family:Times New Roman" SIZE="2">Dear Stockholder, </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">It is my privilege to report that your Company completed another successful year, although results were dampened considerably by the most
difficult economic environment since the Great Depression. Net income amounted to $40,684,000, or $.46 per share, a decline of 35% from fiscal 2008 and a 70% reduction from near-peak earnings posted in 2007. In that year, lower earnings became
inevitable after the credit bubble that had been building for years finally burst. Consumers and businesses alike responded rationally to the prospect of difficult times ahead by reducing spending as they moved to pay down debt and increase liquid
reserves. The ensuing slack demand for virtually everything meant that asset values declined, and those asset classes already in excess supply, such as housing, were hit particularly hard. Washington Federal, with 95% of its assets in some way tied
to residential real estate, was clearly in harm&#146;s way. Under the circumstances, the Company has thus far weathered the economic downturn and the housing correction quite well. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582g31i24.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-performing assets,
defined as loans on which we are no longer accruing interest, plus foreclosed collateral, increased sharply and were the primary focus of management attention during the year. At year-end, total non-performing assets amounted to $557 million, which
is a three-fold increase over the $164 million at the prior year&#146;s end. As the adjacent chart indicates, the year-end total is actually a decline from the $606 million reported on June 30, 2009, enabling us to feel somewhat encouraged that we
may have passed the peak in problem assets for this cycle. The majority of problem loans originated in the Company&#146;s land and construction lending portfolio, although new, early-stage problems from that source have slowed from a flood to a
trickle. Not so with the mortgage portfolio, where quality indicators show some deterioration, primarily due to loss of income related to unemployment. We expect losses to increase from that segment in the new fiscal year, but remain very hopeful
that, overall, problem assets and loan losses from all sources will be lower in the new fiscal year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fortunately, the Company&#146;s core business of earning a spread between loans and deposits was very strong last year. Net interest income,
which is that spread measured in dollars, increased by 23% to $373 million during the year. The sizable increase came as a result of the Company&#146;s large fixed rate mortgage portfolio being funded short-term with lower cost deposits as interest
rates declined during the fiscal year. The increase in net interest income is particularly notable given the rise in nonperforming assets, on which we earn nothing. The improvement in net interest income was very timely in aiding our ability to
absorb lost interest and principal writedowns on the loan portfolio. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Operating expenses increased by $20 million, or 23%, over the prior year because they include a full year of operating expenses related to our acquisition of First Mutual versus only eight months last
year, as well as a $10 million increase in FDIC insurance premiums. Our operating efficiency ratio, an expression of the number of pennies spent to produce a dollar of net revenue, was .27 last year and continues to be among the best in the
industry. Tight control over spending has always been a Washington Federal trademark and has been especially important during the past few quarters &#150; sometimes making the difference between profitability and operating at a loss. Stockholders
can expect management to continue to be careful stewards of the Company&#146;s resources. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The economic crisis we faced during much of the past year led management and the board to make three important capital planning decisions. The most difficult choice was to cut the cash dividend in
December 2008. We know that this caused some personal hardships for many loyal stockholders, yet it was the correct decision for the Company in hindsight. As soon as the future becomes more predictably prosperous, we&#146;ll commence cautiously
increasing the dividend once again. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Another
important capital decision was to accept a preferred stock investment from the U.S. Treasury in November 2008 under their Troubled Asset Relief Program (&#147;TARP&#148;). I wish we could call that decision correct in hindsight also, but history
reveals otherwise. After averting disaster by making TARP investments in the country&#146;s largest banks and investment banks, the U.S. Treasury selected Washington Federal as one of 22 regional institutions to participate in the program. The
investment was not needed or sought after by us. We were contacted unilaterally by the Treasury through our primary regulator and strongly urged to participate. The idea seemed to be to get capital into the hands of strong
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">2 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
institutions who would use the funds to help heal the system by maintaining the flow of credit and who would also be able to repay the funds one day with a profit to the Treasury. The Fall of
2008 was among the most uncertain and dark times ever faced by the international financial community and it seemed at the time as though the government was picking winners and losers. Not wanting to appear unqualified for the funds and risk
panicking already nervous depositors, we chose to accept the investment. Unfortunately, the U.S. government, the Treasury and the regulators failed to get ahead of public sentiment in explaining the program and it backfired. Even strong institutions
like Washington Federal were perceived to have been &#147;bailed-out&#148; by the government at the expense of taxpayers. In response to public pressure, follow-on legislation was subsequently passed by Congress adding burdensome requirements not
anticipated in November, but also allowing for early repurchase of the preferred stock. In May 2009, we most happily returned the funds in full and it should be noted that the Treasury earned a very nice return on their investment. What we believed
at the time was an act of responsible corporate citizenship left us feeling that, indeed, &#147;no good deed goes unpunished&#148;. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Finally, in September 2009, the Company returned to the capital markets for the first time since going public in 1982. A $350 million
offering of common stock was more than four times oversubscribed and provided market validation of our business model and recognition of the Company&#146;s long track record of success. Strong demand enabled us to command a price for the stock that
was a mere 1% below the pre-announcement price. Our lead underwriter advised us that it was the second-best outcome of the year and it compared very favorably to the 15% average discount off the pre-announcement price being received by other issuers
during the summer. The additional capital will provide important flexibility in managing the balance sheet when interest rates inevitably rise, and it also gives us the equity needed to take market share from our troubled competitors. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other important events include steady progress on Project
Tritan, which is a major rewrite of our in-house core data processing system. By the time you read these words, 85% of our branches will have been converted to the new system with the balance to be completed early in 2010. As part of the project,
internet banking was added as an additional customer service in February and we now have 29,000 customers using the system. Check scanning equipment was installed in each of our branches, which not only allows us to comply with regulations requiring
digital processing of items known as Check 21, but also enhances efficiency by speeding up the clearing process and providing better service to our clients. Ninety-seven percent of checks deposited now clear on the same day and clients can obtain a
copy of the front and back of each scanned item using our internet banking portal. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As part of a strategic plan approved by the board of directors in May of last year, the Company is also planning to update its branding. Deferred maintenance on many of our Washington Federal signs,
coupled with the need to replace the signage on acquired branches in New Mexico and Washington, make this a good time to introduce a fresh look to call attention to the Company at a time when we stand out from the competition in very positive ways.
We plan to introduce our new image in the Spring of 2010 and look forward to your comments. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Looking ahead, the overall economy is showing signs of improvement, yet we expect the new fiscal year to burden us with many of the same challenges as the last. The housing market is still oversupplied
and the unemployment rate continues to increase, meaning that credit costs will remain elevated. Consumers and businesses alike are still behaving defensively and continue to reduce their debt and increase their rainy day funds. This means that
while deposits will remain relatively inexpensive, loan demand will be weak, limiting the prospect of industry-wide revenue growth. We also expect that interest rates may begin to rise later next year, resulting in pressure on spread income. We are
already taking steps to be prepared for that possibility. Meanwhile, Congress is ramping up to pass new legislation that will make our business more complex and therefore more expensive to run. Also, large FDIC insurance premiums will clearly be
required to replenish the insurance fund. It&#146;s an irony of the business that those who do things right get to pay for those who fail. It hardly seems fair, but we are happy to be in the former camp rather than the latter. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On the other hand, for companies like Washington Federal with
plenty of capital, the opportunities are truly immense. It is well known that there are numerous financial institutions operating within our market territory that are likely to fail, giving us the potential opportunity to work with the FDIC to
remove risky assets from the system and, at the same time, earn a reasonable profit with limited risk on our part. Likewise, the condition of the industry puts the Company in a strong position to grow organically by acquiring customers from
competitors one at a time as depositors seek safety, borrowers migrate to well-capitalized institutions that have the ability to lend, and both seek certainty in their banking relationship. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582tos2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>TO OUR STOCKHOLDERS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g00m23.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">(Back row - from left to right) Mark A. Schoonover, Executive Vice President and Chief Credit Officer, Linda S.
Brower, Executive Vice President, Jack B. Jacobson, Executive Vice President, Rick J. Collette, Executive Vice President (Front row - from left to right) Brent J. Beardall, Executive Vice President and Chief Financial Officer, Roy M. Whitehead,
Chairman, President and Chief Executive Officer, Edwin C. Hedlund, Executive Vice President and Secretary. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">All in all, and with the qualifier that significant risks remain, we expect that the new fiscal year will result in at least modestly
improving trends for the Company. We are among the strongest financial institutions in the country and as well positioned as any in the western U.S. to benefit from current market conditions. You can help by remembering to refer your friends,
neighbors and acquaintances to Washington Federal for their banking needs. We will treat them as trusted and honored clients, not simply as targets for profit maximization. In other words, we&#146;ll do what&#146;s right for them even if it means we
lose an opportunity to make an extra buck. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">I&#146;d like to extend special appreciation to our stockholders, who remained loyal and supportive through a very volatile period for the stock, our loyal employees who make a difference every day in the lives of our clients, and to the
board of directors for their calm and sensible advice in very uneasy times. Thanks also go to the investors who entrusted us with new capital during the past year. We will do everything within our power to reward that trust and make your investment
a profitable one. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Annual Meeting of
Stockholders is scheduled to take place at 2:00 pm, January 20, 2010, at the Sheraton Hotel in downtown Seattle. I look forward to seeing you there. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="2">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sincerely, </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g02z71.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Roy M. Whitehead </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Chairman, President and Chief Executive Officer </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">4 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582tx4.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_3"></A>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>FINANCIAL CONDITION AND RESULTS OF OPERATIONS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to historical information, this Annual Report on Form 10-K includes certain &#147;forward-looking statements,&#148; as defined
in the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, based on current management expectations. Actual results could differ materially from those management expects. Such forward-looking statements include
statements regarding Washington Federal&#146;s intentions, beliefs or current expectations as well as the assumptions on which such statements are based. Stockholders and potential stockholders are cautioned that any such forward-looking statements
are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those contemplated by such forward-looking statements. Factors that could cause future results to vary from current
management expectations include, but are not limited to: general economic conditions; legislative and regulatory changes; monetary fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state and local
tax authorities; changes in interest rates; deposit flows; cost of funds; demand for loan products; demand for financial services; competition; changes in the quality or composition of the Company&#146;s loan and investment portfolios; changes in
accounting principles; policies or guidelines and other economic, competitive, governmental and technological factors affecting Washington Federal&#146;s operations, markets, products services and fees. Washington Federal undertakes no obligation to
update or revise any forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;
</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>GENERAL </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc. (Company or Washington Federal) is a unitary thrift holding company. The Company&#146;s primary operating subsidiary is Washington Federal Savings, a federally-chartered
savings and loan association. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%;padding-bottom:3px;"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s fiscal year end is
September&nbsp;30</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">. All references to 2009, 2008 and 2007
represent balances as of September&nbsp;30, 2009,&nbsp;September&nbsp;30, 2008, and September&nbsp;30, 2007, or activity for the fiscal years then ended. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">On September&nbsp;15, 2009, the Company issued additional common stock in a follow on offering for the first time since going public in 1982. Net proceeds received totaled $333,176,688 upon the issuance
of 24,150,000 additional common shares. The proceeds will be used for general corporate purposes, which may include capital to support growth and acquisition opportunities. </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CRITICAL ACCOUNTING POLICIES </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the use of estimates and assumptions that affect reported
amounts of certain assets, liabilities, revenues and expenses in the Company&#146;s consolidated financial statements. Accordingly, estimated amounts may fluctuate from one reporting period to another due to changes in assumptions underlying
estimated values. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has determined that the only accounting policy deemed critical to an
understanding of the consolidated financial statements of Washington Federal relates to the methodology for determining the valuation of the allowance for loan losses, as described below. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company maintains an allowance for loan losses to absorb losses inherent in the loan portfolio. The allowance is based on ongoing,
quarterly assessments of the probable and estimable losses inherent in the loan portfolio. The Company&#146;s methodology for assessing the appropriateness of the allowance consists of several key elements, which include the general allowance and
specific allowances. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The general loan loss allowance is established by applying a loss percentage factor to the different
loan types. The allowance is provided based on Management&#146;s continuing evaluation of the pertinent factors underlying the quality of the loan portfolio, including changes in the size and composition of the loan portfolio, actual loan loss
experience, current economic conditions, collateral values, geographic concentrations, seasoning of the loan portfolio, specific industry conditions and the duration of the current business cycle. The recovery of the carrying value of loans is
susceptible to future market conditions beyond the Company&#146;s control, which may result in losses or recoveries differing from those provided. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Specific allowances are established for loans which are individually evaluated, in cases where Management has identified significant conditions or circumstances related to a loan that Management believes
indicate the probability that a loss has been incurred. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>FINANCIAL CONDITION AND RESULTS OF OPERATIONS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INTEREST RATE RISK </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company accepts a high level of interest rate volatility as a result of its policy to originate fixed-rate single-family home loans that are longer-term than the short-term characteristics
of its liabilities of customer accounts and borrowed money. The following table shows the estimated repricing periods for earning assets and paying liabilities. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repricing Period</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within&nbsp;One<BR>Year</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">After 1 year -<BR>before&nbsp;4&nbsp;Years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Thereafter</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2009</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Earning Assets *</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,929,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,247,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,753,808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,931,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Paying Liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,068,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,652,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,721,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excess (Liabilities) Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,138,288</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">595,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,752,671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excess as % of Total Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-32.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Policy limit for one year excess</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-60.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Asset repricing period includes estimated prepayments based on historical activity </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, the Company had approximately $4.1 billion more liabilities subject to repricing
in the next year than assets, which amounted to a negative maturity gap of 33% of total assets. As of September&nbsp;30, 2008, the amount of excess liabilities subject to repricing within one year was approximately $4.0 billion, or 34%, of total
assets. The increase of approximately $150 million of liabilities in excess of assets repricing within one year was due to the continued growth of long term assets, primarily 30 year mortgage-backed securities, funded primarily through growth of
short term customer deposits. Although the absolute dollar amount of the one year gap increased by approximately $150 million, the negative maturity gap percentage actually decreased by 1%, due to the growth in the balance sheet. By having an excess
of liabilities repricing within one year over assets, the Company is subject to decreasing net interest income should interest rates rise. However, if the size and/or mix of the balance sheet changes, rising rates may not cause a decrease in net
interest income. The Company&#146;s interest rate risk approach has never resulted in the recording of a monthly operating loss, although there can be no assurance that this will always be the case. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s net interest spread increased from 2.85% at September&nbsp;30, 2008 to 3.17% at September&nbsp;30, 2009. Net interest
spread represents the difference between the contractual rates of earning assets and the contractual rates of paying liabilities as of a specific date. The spread increased primarily because rates on customer accounts decreased by 129 basis points
over the prior year while rates on earning assets decreased by 51 basis points (see Period End Spread table on page 11). This increase in spread was driven by falling short term market interest rates. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2009, the Company chose to grow earning assets by increasing the amount of cash and investments by $1,119,309,000. Offsetting this
growth was the net decrease in loans outstanding of $518,190,000. This growth was primarily funded by growth in customer accounts of $672,771,000 and a net increase in equity of $412,811,000. Stockholders&#146; equity of $1,745,485,000 at
September&nbsp;30, 2009, provides management with flexibility in managing interest rate risk, by providing the ability to borrow additional funds or grow customer accounts and still maintain sufficient capital levels. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>ASSET QUALITY&nbsp;&amp; ALLOWANCE FOR LOAN LOSSES </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company maintains an allowance to absorb losses inherent in the loan portfolio. The allowance is based on ongoing, quarterly assessments of the probable and estimable losses inherent in the
loan portfolio. The Company&#146;s methodology for assessing the appropriateness of the allowance consists of several key elements, which include the general allowance and specific allowances. </FONT></TD></TR></TABLE> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The general portion of the loan loss allowance is established by applying a loss percentage factor to the different loan types. Management
believes loan types are the most relevant factor to group loans for the allowance calculation as the risk characteristics in these groups are similar. The allowances are provided based on Management&#146;s continuing evaluation of the pertinent
factors underlying the quality of the loan portfolio, including changes in the size and composition of the loan portfolio, actual loan loss experience, current economic conditions, geographic concentrations, seasoning of the loan portfolio, specific
industry conditions, and the duration of the current business cycle. The recovery of the carrying value of loans is susceptible to future market conditions beyond the Company&#146;s control, which may result in losses or recoveries differing from
those provided. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2009, the Company enhanced its general reserve allowance calculation to be more reflective of the
current economic environment. Changes included shortening the look-back period for determining historical loss factors &#147;HLF&#148; and modifying the methodology to give more weighting to risks by asset type rather than geographic exposure. In
addition to utilizing the HLF to calculate the general reserve, we utilize a qualitative risk factor &#148;QRF&#148;, which is determined by loan type and allows management to augment reserve levels to reflect the current environment and portfolio
performance trends. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">6 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">By shortening the
look-back period the Company has taken into account the current housing environment where home values have declined substantially from the housing peak of 2007. We monitor delinquency trends as well as regional economic conditions including
employment and housing values when determining the QRF. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal did not originate many of the &#147;high
risk&#148; loan types, such as Option ARM or interest only long-term loans, that have caused significant losses throughout the industry. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Specific allowances are established for loans which are individually evaluated, in cases where Management has identified significant conditions or circumstances related to a loan that Management believes
indicate the probability that a loss has been incurred. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans for commercial purposes, including multi-family loans, builder
construction loans and commercial loans are reviewed on an individual basis to assess the ability of the borrowers to continue to service all of their principal and interest obligations. If a loan shows signs of weakness, it is downgraded and, if
warranted, placed on non-accrual status. Updated valuations are generally obtained from external sources on collateral dependent commercial loans when a loan exhibits weakness or is modified. The Company has an asset quality review function that
reports the results of its internal reviews to the Board of Directors on a quarterly basis. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-performing assets were
$557,120,000, or 4.43%, of total assets, at September&nbsp;30, 2009, compared to $164,191,000, or 1.39%, of total assets, at September&nbsp;30, 2008. This significant increase in non-performing assets is a result of the significant decline in
housing values in the western United States and the national recession that occurred during 2009. Total delinquencies over 30 days were $456,318,000, or 5.08%, of net loans at </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30, 2009, compared to $236,848,000, or 2.49%, of net loans at September&nbsp;30, 2008. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table details non-performing asset by type, comparing 2009 and 2008. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-Performing Assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;Change</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;Change</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-accrual loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>116,268</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,017</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">206</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction&nbsp;&#150;&nbsp;speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>50,348</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,003</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">53</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction&nbsp;&#150;&nbsp;custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,315</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land&nbsp;&#150;&nbsp;acquisition&nbsp;&amp; development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>187,061</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,562</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,499</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">263</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land&nbsp;&#150;&nbsp;consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-Family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,368</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">748</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">484</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,733</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,929</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">42</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,823</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">NA</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>656</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total non-accrual loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>380,257</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">127,109</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">253,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">199</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total REO&nbsp;&amp; REHI</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>176,863</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,082</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139,781</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">377</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total non-performing assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>557,120</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164,191</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">392,929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">239</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
significant increase in overall non-performing assets is the result of declining home values, rising unemployment and deteriorating economic conditions in the Company&#146;s eight state market territory. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Speculative construction loans and land acquisition and development loans are the weakest performing segments of the portfolio. The amount
of non-performing assets in those categories increased considerably due to lower new home sales and construction starts during the year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In response to the deteriorating credit quality of our loan portfolio, the allowance for loan loss increased by $81,778,000 or 95% over 2008. $59,461,000 of the allowance is calculated under the formulas
contained in our methodology and the remaining $107,375,000 is made up of specific reserves on loans that were deemed to be impaired at September&nbsp;30, 2009. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>LIQUIDITY AND CAPITAL RESOURCES </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The principal sources of funds for the Company&#146;s activities are retained earnings, loan repayments (including prepayments), net deposit inflows, repayments and sales of investments and
borrowings. Washington Federal&#146;s principal sources of revenue are interest on loans and interest and dividends on investments. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s net worth at September&nbsp;30, 2009, was $1,745,485,000, or 13.9%, of total assets. This is an increase of $412,811,000 from September&nbsp;30, 2008, when net worth was $1,332,674,000,
or 11.3%, of total assets. The Company&#146;s net worth increased due in part to the issuance of additional common stock which resulted in net proceeds of $333,177,000, an increase in accumulated other comprehensive income of $51,959,000 resulting
from
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>FINANCIAL CONDITION AND RESULTS OF OPERATIONS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
an increase in the value of our investment portfolio, net income before accrual of preferred dividends of $48,172,000, proceeds from the issuance of preferred stock and warrants of $200,000,000
and purchases by the Employee Stock Ownership Plan of $1,341,000. Net worth was reduced by the preferred stock redemption of $200,000,000, as well as cash dividends paid of $18,847,000 and $5,361,000 on common stock and preferred stock,
respectively. The Company paid out 43% of its 2009 earnings in cash dividends to common shareholders, compared with 118% last year. Over the long term, the Company would prefer its dividend payout ratio to be less than 50%.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On November&nbsp;14, 2008, the Company entered into a Letter Agreement (&#147;Agreement&#148;) with the
United States Department of the Treasury (&#147;Treasury&#148;) to participate in the Troubled Asset Relief Program Capital Purchase Program (&#147;CPP&#148;). Pursuant to the Agreement, the Company issued and sold to the Treasury (i)&nbsp;200,000
shares of the Company&#146;s Fixed Rate Cumulative Perpetual Preferred Stock (&#147;Preferred Stock&#148;), and (ii)&nbsp;a warrant to purchase 1,707,456 shares of the Company&#146;s common stock, par value $1.00 per share, for an aggregate purchase
price for both the preferred stock and warrants of $200 million in cash. The Preferred Stock qualified as Tier 1 capital and paid cumulative dividends at a rate of 5%&nbsp;per annum for the first five years, and 9%&nbsp;per annum thereafter. On
May&nbsp;27, 2009, the Company repurchased the $200 million of Preferred Stock, resulting in a charge of $2.0 million to net income available to common shareholders. The Company has decided not to repurchase the 1.7&nbsp;million warrants issued in
conjunction with the preferred stock at this time. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal Saving&#146;s percentage of net worth to total assets
is over two times the minimum required under Office of Thrift Supervision (OTS) regulations (see Note M). Management believes this strong net worth position will help the Company manage its interest rate risk and will enable it to compete more
effectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts increased $672,771,000, or 9.4%, from one year ago. Management&#146;s strategy has been to
remain competitive in deposit pricing to attract new deposit relationships necessary to fund asset growth. Deposit growth benefited from the disruption in the market place caused by the failure or distressed acquisition of several competitors.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has a credit line with the FHLB Seattle equal to 50% of total assets, providing a substantial source of liquidity
if needed. FHLB advances are collateralized as provided for in the Advances, Pledge and Security Agreement by all FHLB stock owned by the Company, deposits with the FHLB and certain mortgages or deeds of trust securing such properties as provided in
the agreements with the FHLB. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s cash and cash equivalents amounted to $498,388,000 at September&nbsp;30,
2009, a 503.4% increase from the cash and cash equivalents balance of $82,600,000 one year ago. The primary factor in the increased cash balance was the equity offering which resulted in net proceeds of $333,177,000 which were received by the
Company on September&nbsp;21, 2009, only 9 days prior to the balance sheet date. Additionally, see &#147;Interest Rate Risk&#148; above and the &#147;Statement of Cash Flows&#148; included in the financial statements. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CHANGES IN FINANCIAL POSITION </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale and held-to-maturity securities. The Company purchased $1,175,321,000 of securities during 2009, all of which have been classified as available-for-sale.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company sold $18,453,000 of available-for-sale securities in the current year. As of September&nbsp;30,
2009, the Company had net unrealized gains in its available-for-sale portfolio of $86,057,000, as compared to net unrealized gains of $3,907,000 as of September&nbsp;30, 2008. The increase in net unrealized gains was primarily a result of the
increase in value of long term fixed rate assets as long term market interest rates have decreased. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans receivable. Loans
receivable decreased $518,190,000, or 5.5%, to $8,983,430,000 at September&nbsp;30, 2009, from $9,501,620,000 one year earlier. The decrease resulted primarily from loan repayments (including prepayments) of $2,116,355,000, which exceeded
originations by $275,895,000. The Company&#146;s decision not to originate and hold in its loan portfolio 30 year fixed-rate loans at rates below 5.00%, due to the duration risk associated with such low mortgage rates, contributed to the net run off
of the loan portfolio. Additionally, during the year, $254,742,000 of loans were transferred to real estate owned as foreclosures. The following table shows the change in the geographic distribution by state of the gross loan portfolio from 2008 to
2009. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43.9</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.7</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Oregon</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>17.0</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.6</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Idaho</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.3</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Arizona</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.5</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Utah</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.8</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.8</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">New Mexico</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.1</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Texas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nevada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.4</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.0</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100.0</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">100.0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">8 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Real estate held
for sale.</B> The balance of real estate held for sale at September 30, 2009 was $176,863,000, an increase of $139,756,000 from one year ago. This significant increase is a result of the foreclosure of non-performing loans as discussed in the
&#147;Asset Quality&#148; section above. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Intangible assets.</B> The Company&#146;s intangible assets are made up of
$251,653,000 of goodwill, servicing rights intangible of $2,469,000, as well as the unamortized balances of the core deposit intangible of $2,675,000 at September 30, 2009. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Customer accounts.</B> Customer accounts at September 30, 2009 totaled $7,842,310,000 compared with $7,169,539,000 at September 30, 2008,
a 9.4% increase. See &#147;Liquidity and Capital Resources&#148; above. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FHLB advances and other borrowings.</B> Total
borrowings decreased $296,378,000, or 9.3%, to $2,879,530,000 at September 30, 2009 as the Company chose to fund asset growth with a mix of customer accounts and stockholders&#146; equity. See &#147;Interest Rate Risk&#148; above. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Contractual obligations.</B> The following table presents, as of September 30, 2009, the Company&#146;s significant fixed and
determinable contractual obligations, within the categories described below, by payment date or contractual maturity. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Contractual Obligations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less&nbsp;than</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 Year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5<BR>Years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 5<BR>Years</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Debt obligations*</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,879,530</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">600</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">528,930</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,350,000</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Operating lease obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,713</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,610</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,632</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,471</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,888,243</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,210</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">533,562</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,351,471</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Represents final maturities of debt obligations. See a description in Notes H and I. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">These contractual obligations, except for the operating leases, are included in the Consolidated Statements of
Financial Condition. The payment amounts represent those amounts contractually due. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>RESULTS OF OPERATIONS </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>GENERAL </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Note P, &#147;Selected Quarterly
Financial Data (Unaudited),&#148; which highlights the quarter-by-quarter results for the years ended September&nbsp;30, 2009 and 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Net income mentioned below refers to net income available to common shareholders, which consists of net income less dividends accrued on the preferred stock that was repaid in full in May 2009. See
Liquidity and Capital Resources above for a full discussion of the preferred stock transaction. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>COMPARISON OF 2009 RESULTS WITH 2008 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In 2009 net income decreased $21,648,000, or 34.7% from 2008, primarily as a result of an $193,000,000 provision for loan losses which resulted from the significant decline in asset quality and higher net
charge offs. In addition, the other expenses increased $19,840,000 in 2009 over the prior year, due primarily to increased FDIC insurance costs of $9,896,000, which resulted from the significant increase in bank failures during the year that
necessitated replenishment of the deposit insurance fund. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In comparing operating results of 2009 versus 2008 it is important
to understand that 2009 had 12 months of operating results, both income and expense, from the First Mutual acquisition; 2008 had only 8 months of operating results from the First Mutual acquisition. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income on loans and mortgage-backed securities increased only $427,000, or 0.1%, in 2009 due to a 7.7% increase in the average
outstanding balance of loans and mortgage-backed securities, offset by a 46 basis point decrease in the weighted average yield during the year from 6.51% in 2008 to 6.04% in 2009. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividend income on investment securities and cash equivalents decreased $10,081,000, or 76.8%, in 2009 from 2008. This decrease
was primarily due to a decrease in the weighted average rate earned on investment securities, cash equivalents and FHLB stock, which decreased 284 basis points to 0.85%. The Company&#146;s required investment in FHLB stock, which amounted to
$144,495,000 as of 2009, produced a yield of only 0.28% during the year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense on customer accounts decreased
26.3% to $191,435,000 for 2009 from $259,769,000 for 2008. The decrease primarily related to a 131 basis point decrease in the average cost of customer accounts to 2.56% during the year compared to 3.87% one year ago, offset by a 11.5% increase in
the average balance of customer accounts over the prior year. Interest expense on FHLB advances and other borrowings decreased to $127,192,000 in 2009 from $137,872,000 in 2008 due to a decrease in the average cost of borrowings for the year ended
September&nbsp;30, 2009 to 3.93% from 4.41% for the same period one year ago. Partially offsetting the decrease in average cost of borrowings was an increase in the average balance of borrowings to $3,235,231,000 during 2009 from $3,122,950,000
during 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>FINANCIAL CONDITION AND RESULTS OF OPERATIONS </B><I>(CONTINUED)</I><B> </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company recorded a $193,000,000 provision for loan losses in 2009 compared to $60,516,000 in 2008. The current year provision is due to
the significant increase in the Company&#146;s non-performing asset balances. Non-performing assets increased by $392,929,000 over 2008. Non-accrual loans as a percentage of total loans increased from 1.34% in 2008 to 4.23% in 2009. Economic
conditions deteriorated in the primary markets served by the Company, as evidenced by an increase in unemployment, a reduction in the number of home sales and weak consumer confidence. Total delinquencies over 30 days were $456,318,000, or 4.97% of
net loans at September&nbsp;30, 2009 compared to $236,848,000, or 2.49% of net loans at September&nbsp;30, 2008. Actual net charge-offs during 2009 were $111,222,000. Management believes the allowance for loan losses, totaling $166,836,000, is
sufficient to absorb estimated losses inherent in the portfolio. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total other income increased $78,200,000, or 132.1%, in 2009
from 2008. The increase in 2009 was driven primarily by the other than temporary impairment (&#147;OTTI&#148;) charge of $87,747,000 in the prior year. Additionally in 2008, the Company reported $13,123,000 of gain on the sale of real estate.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Compensation expense increased $4,265,000, or 8.1%, in 2009 primarily due to full year of operations combined with First
Mutual. Personnel, including part-time employees considered on a full-time equivalent basis, increased to 1,105 at September&nbsp;30, 2009 compared to 1,095 one year ago. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Occupancy expense increased $1,836,000, or 16.4%, during the year primarily due to the 12 additional branches acquired in the First Mutual transaction. The branch network increased to 150 offices at
September&nbsp;30, 2009 versus 148 offices one year ago. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">FDIC insurance expense increased to $9,896,000 for 2009 from
$792,000 in 2008 as a result of the significant increase in bank failures during the year which has depleted the FDIC fund. The FDIC has undertaken to replenish the FDIC fund through special assessments are higher insurance premiums for all insured
depository institutions. Other expenses increased $2,160,000 during the year primarily related to the operating costs added from First Mutual and increased information technology spending. Operating expense for 2009 and 2008 equaled .87% and .77% of
average assets, respectively. Despite the increase in operating expenses, the Company continues to operate as one of the most efficient financial institutions in the country. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The loss on real estate acquired through foreclosure increased from $1,021,000 in 2008 to $16,354,000 in 2009 due to the growth in balances
of real estate acquired through foreclosure and the resulting loss on sale of some of those properties stemming from continued declines in real estate values in the western United States. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax expense decreased $5,937,000, or 17.7%, in 2009 due to a lower taxable income base. Additionally, 2009 included $1,500,000 of
additional tax related to a tax liability arising from the First Mutual acquisition (see Note A). The effective tax rate was 36.40% for 2009 versus 34.96% for 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>COMPARISON OF 2008 RESULTS WITH 2007 </B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 2008 net income decreased $72,685,000, or 53.8% from 2007, primarily as a result of an $87,747,000 pretax OTTI charge recognized in
September 2008 on FHLMC and FNMA preferred stock. The value of these securities declined significantly after the U.S. Government placed both companies into conservatorship in September 2008. See related discussion in the &#147;Changes in Financial
Position&#148; section above. In addition, the provision for loan losses increased $58,966,000 in 2008 over the prior year, due to the decline in asset quality and higher net charge offs. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In comparing operating results of 2008 versus 2007 it is important to understand that 2007 had 8 months of operating results, both income
and expense, from the First Federal acquisition. 2008 had a full 12 months of operating results from the First Federal acquisition and 8 months from the First Mutual acquisition. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income on loans and mortgage-backed securities increased $85,902,000, or 14.3%, in 2008 due to a 17.7% increase in the average
outstanding balance of loans and mortgage-backed securities, offset by a 19 basis point decrease in the weighted average yield during the year from 6.70% in 2007 to 6.51% in 2008. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividend income on investment securities and cash equivalents decreased $3,156,000, or 19.4%, in 2008 from 2007. This decrease
was primarily due to a decrease in the average combined balance of investment securities, cash equivalents and FHLB stock, which decreased 10.2% to $355,440,000 for the year ended September&nbsp;30, 2008 versus $396,008,000 for the year ended
September&nbsp;30, 2007. In addition to the decrease in balance, the weighted average yield on investment securities, cash equivalents and FHLB stock decreased from 4.11% in 2007 to 3.69% in 2008. The Company&#146;s required investment in FHLB
stock, which amounted to $144,874,000 as of 2008, produced a yield of only 1.22% during the year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense on
customer accounts increased 6.5% to $259,769,000 for 2008 from $243,837,000 for 2007. The increase primarily related to a 17.4% increase in the average balance of customer accounts over the prior year, offset by a 39 basis point decrease in the
average cost of customer accounts to 3.87% during the year compared to 4.26% one year ago. Interest expense on FHLB advances and other borrowings increased to $137,872,000 in 2008 from $114,664,000 in 2007 due to an increase in the average balance
of borrowings to $3,122,950,000 during 2008 from $2,497,555,000 during 2007. Offsetting the increase in average balance, the average cost of borrowings for the year ended September&nbsp;30, 2008 decreased to 4.41% from 4.59% for the same period one
year ago. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">10 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
recorded a $60,516,000 provision for loan losses in 2008 compared to $1,550,000 in 2007. The 2008 provision was due to the 16.0% growth in loans receivable over the prior year and the significant increase in the Company&#146;s non-performing asset
balances. Non-performing assets increased by $148,260,000 over 2007. Non-accrual loans as a percentage of total loans increased from .18% in 2007 to 1.34% in 2008. Economic conditions deteriorated in the primary markets served by the Company, as
evidenced by an increase in unemployment, a reduction in the number of home sales and weak consumer confidence. Total delinquencies over 30 days were $236,848,000, or 2.49% of net loans at September&nbsp;30, 2008 compared to $48,405,000, or .59% of
net loans at September&nbsp;30, 2007. Actual net charge-offs during 2008 were $15,193,000. Management believes the allowance for loan losses, totaling $85,058,000, is sufficient to absorb estimated losses inherent in the portfolio. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total other income decreased $74,432,000, or 488.4%, in 2008 from 2007. The decrease in 2008 was driven primarily by the OTTI charge of
$87,747,000 discussed in the &#147;Changes in Financial Position&#148; section above. Partially offsetting the OTTI charge was $13,123,000 of gain on the sale of real estate. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Compensation expense increased $9,266,000, or 21.3%, in 2008 primarily due to the addition of approximately 169 staff members in February
2008 from the First Mutual transaction and annual performance increases for existing staff. Personnel, including part-time employees considered on a full-time equivalent basis, increased to 1,095 at September&nbsp;30, 2008 compared to 886 one year
ago. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Occupancy expense increased $2,493,000, or 28.6%, during the year primarily due to the 12 additional branches acquired
in the First Mutual transaction. The branch network increased to 148 offices at September&nbsp;30, 2008 versus 135 offices one year ago. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Amortization expense increased to $2,441,000 for 2008 from $1,819,000 in 2007 as a result of the acquisition. Other expenses increased $8,859,000 during the year primarily related to the operating costs
added from First Mutual and First Federal and increased information technology spending. Operating expense for 2008 and 2007 equaled .77% and .67% of average assets, respectively. Despite the increase in operating expenses, the Company continues to
operate as one of the most efficient financial institutions in the country. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax expense decreased $40,788,000 or
54.9%, in 2008 due to a lower taxable income base. The effective tax rate was 34.96% for 2008 versus 35.49% for 2007. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PERIOD END SPREAD &#150; AS OF THE DATE SHOWN </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dec&nbsp;31<BR>2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mar&nbsp;31<BR>2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jun&nbsp;30<BR>2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sep&nbsp;30<BR>2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dec&nbsp;31<BR>2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mar&nbsp;31<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jun&nbsp;30<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sep&nbsp;30<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate on loans and mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.49</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.41</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.33</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.22</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.17</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.12</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.04</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate on investment securities*</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.63</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.28</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.78</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.22</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.68</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.69</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.45</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="22" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Combined</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.42</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.30</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.26</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.11</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.09</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.99</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.75</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="22" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate on customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.33</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.91</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.52</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.25</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.99</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.54</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.14</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.96</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate on borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.47</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.37</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.83</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.77</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.64</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.08</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.25</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.25</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="22" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Combined</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.38</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.05</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.61</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.41</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.20</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.98</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.72</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.58</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="22" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate spread</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.04</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.30</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.69</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.85</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.91</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.11</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.27</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.17</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="22" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Includes municipal bonds at tax-equivalent rates and cash equivalents </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The interest rate spread increased during 2009 from 2.85% at September&nbsp;30, 2008 to 3.17% at
September&nbsp;30, 2009. See &#147;Interest Rate Risk&#148; on page 5. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582sfd2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_4"></A>SELECTED FINANCIAL DATA </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="15" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except per share data)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>691,774</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">618,682</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">529,883</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">461,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>318,627</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">397,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">358,501</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273,361</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>373,147</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">303,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,181</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">256,522</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">266,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for (reversal of) loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>193,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,550</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,655</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(60,212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,569</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,252</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>107,060</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,888</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,579</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>75,742</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">209,312</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">218,660</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">222,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27,570</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74,295</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">75,558</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48,172</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">143,102</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">145,889</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends accrued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,488</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income available to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>40,684</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">143,102</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">145,889</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="14" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Per share data</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.46</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.55</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.64</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.46</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.54</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.64</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.20</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.83</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.81</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="15" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,582,475</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,830,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,285,417</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,069,020</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,234,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans and mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,266,295</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,053,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,601,947</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,457,759</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,084,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,259</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">240,391</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">256,650</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">214,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,378</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,722</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">637,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,842,310</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,169,539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,996,785</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,311,726</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,031,505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,078,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,998,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,760,979</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,500,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,230,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,600</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,177,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,075,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">870,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">655,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,745,485</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,332,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,318,127</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,262,720</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,187,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number of</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>305,129</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">298,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">281,778</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">249,533</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">232,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44,453</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47,331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44,713</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,955</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Offices</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>150</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">123</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">12 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582tx10.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_5"></A>CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">share data)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>ASSETS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale securities, including encumbered securities of <B>$860,655 </B>and $762,857</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,476,067</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Held-to-maturity securities, including encumbered securities of <B>$80,717 </B>and $98,917</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>103,042</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124,537</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans receivable, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,983,430</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>53,288</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Premises and equipment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>133,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>176,863</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>144,495</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Intangible assets, including goodwill of <B>$251,653</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>256,797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31,612</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,582,475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,830,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>LIABILITIES AND STOCKHOLDERS&#146; EQUITY</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings and demand accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,786,467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,146,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase agreements with customers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>55,843</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,842,310</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,169,539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,078,930</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,998,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other borrowings, primarily securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,177,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Advance payments by borrowers for taxes and insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>38,376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal and state income taxes, including net deferred liabilities of <B>$449</B> and assets of $1,236</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,716</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued expenses and other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58,699</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81,098</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10,836,990</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,497,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stockholders&#146; equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common stock, $1.00 par value, 300,000,000 shares authorized,<B> 129,320,072 </B>and 105,092,724 shares issued;
<B>112,247,748</B> and 87,916,286 shares outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>129,320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Paid-in capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,574,555</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,261,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated other comprehensive income, net of tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54,431</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury stock, at cost; <B>17,072,324</B> and 17,176,438 shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(208,985</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(210,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>196,164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">174,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,745,485</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,332,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,582,475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,830,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="1">SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL"
SIZE="1">13</FONT></P></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582tx11.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>CONSOLIDATED STATEMENTS OF OPERATIONS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except per share data)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INTEREST INCOME</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>579,244</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">599,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>109,486</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">75,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,044</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>691,774</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">618,682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INTEREST EXPENSE</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>191,435</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">259,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">243,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances and other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>127,192</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">137,872</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,664</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>318,627</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">397,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">358,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Net interest income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>373,147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">303,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>193,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Net interest income after provision for loan losses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>180,147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">243,271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">258,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>OTHER INCOME (LOSS)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other than temporary impairment charge</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(87,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gain on sale of real estate held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19,009</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,433</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19,009</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(59,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>OTHER EXPENSE</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Compensation and fringe benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>57,097</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,832</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of intangibles</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,331</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Occupancy expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,049</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FDIC insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10,688</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25,105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred loan origination costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2,210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,003</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>107,060</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gain (loss) on real estate acquired through foreclosure, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(16,354</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,021</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>75,742</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">209,312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Current</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(28,505</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(47,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27,570</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74,295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends accrued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NET INCOME available to common shareholders</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>40,684</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PER SHARE DATA</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic weighted average number of shares outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88,689,553</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,675,978</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,357,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted weighted average number of shares outstanding, including dilutive stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88,711,694</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,818,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,696,225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.50em"><FONT STYLE="font-family:ARIAL"
SIZE="1">14</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582csse2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>CONSOLIDATED STATEMENTS OF STOCKHOLDERS&#146; EQUITY </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common<BR>Stock</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred<BR>Stock</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Paid-in<BR>Capital</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained<BR>Earnings</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated<BR>Other<BR>Comprehensive<BR>Income (loss)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury<BR>Stock</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="24" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance at September 30, 2006</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">104,467</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,246,025</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">123,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(5,975</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(204,930</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,262,720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net Income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other comprehensive income,<BR>net of tax of $3800:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unrealized losses on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(7,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(7,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification adjustment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">127,959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Dividends on common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(72,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(72,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Compensation expense related to<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,095</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from exercise of<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">389</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,174</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Tax benefit related to<BR>exercise of stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,189</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">65</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">234</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from Employee<BR>Stock Ownership Plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">773</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Treasury stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(9,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(9,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance at September&nbsp;30, 2007</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">104,921</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,254,490</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">185,683</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(13,033</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(213,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,318,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other comprehensive income,<BR>net of tax of $8,534:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unrealized gains on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">72,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">72,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification adjustment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(57,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(57,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">77,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Dividends on common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(73,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(73,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Compensation expense related to<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,286</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from exercise of<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">146</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,052</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Tax benefit related to<BR>exercise of stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">348</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">26</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">769</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">795</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from Employee<BR>Stock Ownership Plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,087</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Treasury stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance at September&nbsp;30, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">105,093</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,261,032</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">174,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(210,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,332,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">48,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">48,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other comprehensive income,<BR>net of tax of $28,598:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unrealized gains on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">51,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">51,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification adjustment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">100,131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Preferred stock issuance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">197,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">197,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Preferred stock discount and accretion</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(2,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Dividends on common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(18,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(18,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Dividends on preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(5,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(5,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Preferred stock redemption</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Compensation expense related to<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,327</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from exercise of<BR>common stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">145</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from issuance<BR>of common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24,150</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">309,027</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">333,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Tax benefit related to<BR>exercise of stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">22</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">64</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">799</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">863</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Issuance of Warrants</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,127</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proceeds from Employee<BR>Stock Ownership Plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">76</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,265</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Treasury stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance at September 30, 2009</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">129,320</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,574,555</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">196,164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">54,431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(208,985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,745,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="23" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="1">SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL"
SIZE="1">15</FONT></P></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582cscf2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>CONSOLIDATED STATEMENTS OF CASH FLOWS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CASH FLOWS FROM OPERATING ACTIVITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments to reconcile net income to net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization (accretion) of fees, discounts, premiums and intangible assets, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,813</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,153</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock option compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>193,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss (gain) on investment securities and real estate held for sale, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15,101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(12,655</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other than temporary impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Decrease (increase) in accrued interest receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,077</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in income taxes payable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(45,831</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(48,910</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB stock dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Decrease (increase) in other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(16,156</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(586</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in accrued expenses and other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(22,399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>184,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">162,230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">142,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CASH FLOWS FROM INVESTING ACTIVITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans originated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(855,213</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(857,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(827,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(102,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(218,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(518,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(262,952</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(303,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(337,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; acquisition&nbsp;&amp; development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(45,425</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(148,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(443,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(14,681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(25,909</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(42,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(97,621</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(105,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(98,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(117,447</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(66,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(16,266</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(243,240</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(187,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(85,754</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(63,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,074</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(15,497</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(96,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1,840,460</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,074,175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,301,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan principal repayments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,116,355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,845,324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,718,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other changes in loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(204,386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(269,088</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(128,564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB stock redeemed</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>394</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,762</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale securities purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1,175,321</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(313,950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(328,101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal payments and maturities of available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>513,218</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">240,368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">252,417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale securities sold</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,453</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72,030</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal payments and maturities of held-to-maturity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,691</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46,781</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash paid for acquisition</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(166,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(35,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from sales of real estate held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>98,822</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Premises and equipment purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(5,273</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(22,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash used by investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(456,507</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(634,760</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(727,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CASH FLOWS FROM FINANCING ACTIVITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>672,771</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">426,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">305,554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in short-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(377,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from long-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">436,313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">490,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repayments of long-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(19,378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(408,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(228,204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from exercise of common stock options and related tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>180</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends paid on common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(18,847</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(73,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(72,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends paid on preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(5,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net proceeds from follow on stock offering</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>333,177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from issuance of preferred stock and warrants</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>200,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred stock redeemed</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(200,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from Employee Stock Ownership Plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,341</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury stock purchased, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase in advance payments by borrowers for taxes and insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>688,053</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">493,752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">599,965</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Increase in cash and cash equivalents</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>415,788</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,222</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and cash equivalents at beginning of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>82,600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and cash equivalents at end of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.50em"><FONT STYLE="font-family:ARIAL"
SIZE="1">16</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CASH FLOWS FROM OPERATING ACTIVITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Noncash investing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate acquired through foreclosure</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>254,742</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash paid during the year for</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>325,157</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">391,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">355,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>77,761</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">70,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The following summarizes the non-cash activities related to the First Mutual acquisition (2008)&nbsp;and the First Federal
acquisition (2007)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value of assets and intangibles acquired, including goodwill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,186,754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(576,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value of liabilities assumed</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,005,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">480,033</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash paid out for acquisition</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(180,985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(96,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Plus cash acquired</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash paid out for acquisition</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(166,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(35,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="1">SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL"
SIZE="1">17</FONT></P></TD></TR>
</TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfs2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_6"></A>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">YEARS ENDED SEPTEMBER 30, 2009, 2008 AND 2007 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE A </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Principles of consolidation.</B> The consolidated financial statements include the accounts of Washington Federal, Inc. (Company or
Washington Federal) and its wholly owned subsidiaries. Intercompany transactions and balances have been eliminated. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>Description of business.</B> Washington Federal is a unitary thrift holding company. The Company&#146;s principal operating subsidiary is Washington Federal Savings. The Company is principally engaged in the business of attracting
savings deposits from the general public and investing these funds, together with borrowings and other funds, in one-to-four family residential real estate loans, multi-family real estate and commercial loans. The Company conducts its activities
through a network of 150 offices located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, New Mexico, and Texas. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On
February&nbsp;1, 2008, the Company acquired 100% of the outstanding shares of First Mutual. The merger agreement provided for the merger of First Mutual with and into the Company, followed by the merger of First Mutual Bank, a state savings bank and
wholly owned subsidiary of First Mutual, into the Company&#146;s wholly owned subsidiary, Washington Federal Savings and Loan Association. As a result of the acquisition, Washington Federal added 169 employees and 12 branches primarily located on
the rapidly growing eastside of Seattle. The acquisition was accounted for as a purchase transaction with the total cash consideration funded through internal sources. As of February&nbsp;1, 2008, the fair value of First Mutual&#146;s assets and
liabilities prior to the acquisition were: loans $933 million, investments $24 million, cash $14 million, property $35 million, other assets $29 million, deposits $744 million, borrowings $209 million and other liabilities $14 million. The purchase
price was $219,849,000, which included $180,985,000 paid in cash as well as $38,864,000 of assumed liabilities (see related discussion in the following paragraph). The purchase price has been allocated to the underlying assets and liabilities based
on estimated fair values at the date of acquisition. Results of operations are included from the date of acquisition. The Company acquired assets with an estimated fair value of $1,186,754,000 and assumed liabilities with an estimated fair value of
$1,005,769,000. The acquisition produced goodwill of $149,246,000 and a core deposit intangible of $2,523,000. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the
quarter ended June&nbsp;30, 2009, the Company became aware of a tax liability of $39 million resulting from the acquisition of First Mutual, Inc. in February 2008. Although substantial uncertainty remains as to the ultimate outcome of this matter,
under current U.S. accounting rules, the Company should have recorded this as an income tax liability, with a corresponding increase to goodwill, in purchase accounting. As a result, the Company has corrected the September&nbsp;30, 2008,
consolidated balance sheet for the $39 million increase in income tax liability and goodwill from amounts previously reported of $0 and $213 million, respectively. The only income statement impact was $1.5 million of additional tax expense
recognized in the quarter ended June&nbsp;30, 2009, resulting from interest due on the tax liability. The Company is in discussions with the IRS regarding this matter and will pursue all available remedies to mitigate the financial impact to the
Company. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The balance of the Company&#146;s intangible assets was as follows, which includes the additional goodwill discussed
above: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Goodwill</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Servicing<BR>Rights<BR>Intangible</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core<BR>Deposit<BR>Intangible</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-<BR>Compete<BR>Agreements</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="17" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at September&nbsp;30, 2007</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102,407</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">First Mutual acquisition</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">149,246</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">156,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Additions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="16" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at September&nbsp;30, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">251,653</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,584</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Additions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="16" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance at September&nbsp;30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>251,653</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,469</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,675</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>256,797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="16" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The Company&#146;s fiscal year end is September&nbsp;30th. All references to 2009, 2008 and 2007 represent balances as of September&nbsp;30, 2009,&nbsp;September&nbsp;30, 2008 and September&nbsp;30, 2007, or activity for the fiscal years
then ended. References to net income in this document refer to net income available to common shareholders. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">18 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and cash equivalents.</B> Cash and cash equivalents include cash on hand, amounts due from banks, overnight
investments and repurchase agreements with an initial maturity of three months or less. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Investments and mortgage-backed
securities.</B> The Company accounts for investments and mortgage-backed securities in two categories: held-to-maturity and available-for-sale. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Held-to-maturity securities</I> &#150; Securities classified as held-to-maturity are accounted for at amortized cost, but the Company must have both the positive intent and the ability to hold those
securities to maturity. There are very limited circumstances under which securities in the held-to-maturity category can be sold without jeopardizing the cost basis of accounting for the remainder of the securities in this category. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Available-for-sale securities</I> &#150; Securities not classified as held-to-maturity are considered to be available-for-sale. Gains and
losses realized on the sale of these securities are based on the specific identification method. Unrealized gains and losses for available-for-sale securities are excluded from earnings and reported as a net amount in the accumulated other
comprehensive income component of stockholders&#146; equity. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company periodically evaluates each of its investments in
debt and equity securities, classified as available-for-sale or held-to-maturity, with a decline in market value below the amortized cost of the investment, to determine whether or not the decline is deemed to be other-than-temporary. If it is
determined that the impairment is other than temporary for equity securities, the impairment loss is recognized in earnings equal to the difference between the investment&#146;s cost and its fair value. If it is determined that the impairment is
other than temporary for debt securities, the Company will recognize the credit component of an other-than-temporary impairment in earnings and the noncredit component in other comprehensive income when the Company does not intend to sell the
security and it is more likely than not that the Company will not be required to sell the security prior to recovery. In evaluating investments with declines in value, the Company considers the length of the time and the extent to which the market
value has been less than cost, the financial condition and near-term prospects of the issuer, and the Company&#146;s intent or plans to sell with regard to the investment. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Premiums and discounts on investments are deferred and recognized over the life of the asset using the effective interest method.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Realized gains and losses on securities sold as well as other than temporary impairment charges are shown on the Consolidated
Statements of Operations under the Other Income (Loss) heading. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Loans receivable.</B> Loans receivable more than 90 days
past due are placed on non-accrual status and an allowance for accrued interest is established. Any interest ultimately collected is credited to income in the period of recovery. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company maintains an allowance for loan losses to absorb losses inherent in the loan portfolio. The allowance is based on ongoing,
quarterly assessments of the probable and estimable losses inherent in the loan portfolio. The Company&#146;s methodology for assessing the appropriateness of the allowance consists of two components, which include the general allowance and specific
allowances. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The general loan loss allowance is established by applying a loss percentage factor to the different loan types.
The allowances are provided based on Management&#146;s continuing evaluation of the pertinent factors underlying the quality of the loan portfolio, including changes in the size and composition of the loan portfolio, actual loan loss experience,
current economic conditions, collateral values, geographic concentrations, seasoning of the loan portfolio, specific industry conditions, and the duration of the current business cycle. The recovery of the carrying value of loans is susceptible to
future market conditions beyond the Company&#146;s control, which may result in losses or recoveries differing from those provided. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Specific allowances are established for loans which are individually evaluated, in cases where Management has identified significant conditions or circumstances related to a loan that Management believes indicate the probability that a loss
has been incurred. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans for commercial purposes, including multi-family loans, builder construction loans and commercial
loans are reviewed on an individual basis to assess the ability of the borrowers to continue to service all of their principal and interest obligations. If a loan shows signs of weakness, it is downgraded and, if warranted, placed on non-accrual
status. The Company has an asset quality review function that reports the results of its internal reviews to the Board of Directors on a quarterly basis. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans consist of loans receivable that are not expected to be repaid in accordance with their contractual terms and are measured
using the fair value of the collateral. Smaller balance loans are excluded from this analysis. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Premises and equipment.</B>
Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on the straight-line method over the estimated useful lives of the respective assets. Expenditures are capitalized for betterments and major renewals.
Charges for ordinary maintenance and repairs are expensed to operations as incurred. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Real estate held for sale.</B>
Properties acquired in settlement of loans or acquired for development are recorded at the lower of cost or fair value less selling costs. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Intangible assets.</B> Goodwill represents the excess of the cost of businesses acquired over the fair value of the net assets acquired. The core deposit intangibles and non-compete agreement
intangible are acquired assets that lack physical substance but can be distinguished from goodwill. Goodwill is evaluated for impairment on an annual basis. Other intangible assets are amortized over their estimated lives and are subject to
impairment testing when events or circumstances change. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. No impairment of intangible assets has ever been identified. The
Company amortizes the three core deposit intangibles on an accelerated basis over their estimated lives of 7, 3 and 8 years; the non-compete agreement intangible, which was fully amortized as of September&nbsp;30, 2009, was amortized on a
straight-line basis over its life of five years. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below presents the estimated core deposit intangible asset
amortization expense for the next five years: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization&nbsp;expense</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In&nbsp;thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,031</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">330</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">330</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">330</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">330</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>Deferred fees and discounts on loans.</B> Loan discounts and loan fees are deferred and recognized over the life of the loans using the effective interest method. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Accounting for stock-based compensation.</B> The Company records an expense for the estimated fair value of equity awards over the
vesting period. See Note L for additional information. 2,885,440 stock options were antidilutive as of September&nbsp;30, 2009. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>Use of estimates.</B> The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires Management to make estimates and assumptions that affect the reported
amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Significant estimates reported in the
financial statements include the allowance for loan losses, intangible assets, deferred taxes and contingent liabilities. Actual results could differ from these estimates. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>New accounting pronouncements.</B> In September 2006, the Financial Accounting Standards Board (&#147;FASB&#148;) issued Accounting
Standards Codification (&#147;ASC&#148;) 820-10, <I>Fair Value Measurements and Disclosures.</I> This standard defines fair value, establishes a framework for measuring fair value and expands disclosures about fair value measurements.&nbsp;This
standard establishes a fair value hierarchy for the assumptions used to measure fair value and clarifies assumptions about risk and the effect of a restriction on the sale or use of an asset. No additional fair value measurements are required under
this standard. The Company adopted this standard effective October&nbsp;1, 2008. See Notes B and Q for disclosures related to the adoption of this standard. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In April 2009, the FASB issued ASC 320-10-65, <I>Investments-Debt are Equity Securities</I>. This standard amends the other-than-temporary impairment guidance in U.S. generally accepted accounting
principles (&#147;GAAP&#148;) for debt securities to make it more operational and to improve the presentation and disclosure of other-than-temporary impairments on debt and equity securities. This standard was effective for interim and annual
reporting periods ending after June&nbsp;15, 2009 with early adoption
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">20 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
permitted for periods ending after March&nbsp;15, 2009. The Company adopted this standard effective June&nbsp;30, 2009, and its adoption did not have a material effect on the Company&#146;s
financial position or results of operations. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In April 2009, the FASB issued ASC 825-10-65, <I>Financial
Instruments</I>. This standard requires disclosures about the fair value of financial instruments for interim reporting periods of publicly traded companies as well as in annual financial statements. This standard also amends ACS 270-10,
<I>Interim</I> <I>Reporting</I>, to require those disclosures in summarized financial information at interim reporting periods. The Company adopted this standard effective June&nbsp;30, 2009. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In April 2009, the FASB issued ASC 820-10-65, <I>Fair Value Measurements and Disclosures</I>. This standard provides additional guidance for
estimating fair value in accordance with ASC 820-10, when the transaction volume and level of market activity for the asset or liability have significantly decreased. This standard also includes guidance on identifying circumstances that indicate a
transaction is not orderly. The Company adopted this standard effective June&nbsp;30, 2009, and its adoption did not have a material effect on the Company&#146;s financial position or results of operations. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In May 2009, the FASB issued ASC 855-10, <I>Subsequent Events</I>. This standard establishes guidelines under which an entity shall
recognize and disclose events that occur after a balance sheet date but before the related financial statements are issued or are available to be issued. ASC 855-10 is effective for fiscal years and interim periods ending after June&nbsp;15, 2009.
Adoption of this standard as of June&nbsp;30, 2009 had no impact on the Company&#146;s consolidated financial position or results of operations. See related disclosure at the end of Note A. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In June 2009, the FASB issued ASC 105-10, <I>Generally Accepted Accounting Principles</I>. ASC 105-10 was effective for fiscal years and
interim periods ending after September 15, 2009 and is the sole source of authoritative U.S. GAAP. Adoption of ASC 105-10 as of September 30, 2009 did not have a material impact on the Company&#146;s consolidated financial position or results of
operations as it did not alter existing U.S. GAAP. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Accounting pronouncements not yet adopted. </B>In June 2009, the FASB
issued SFAS No.&nbsp;166, &#147;Accounting for Transfers of Financial Assets&#151;an amendment of FASB Statement No.&nbsp;140.&#148; SFAS No.&nbsp;166 amends SFAS No.&nbsp;140 to improve the relevance and comparability of the information that a
reporting entity provides in its financial statements about a transfer of financial assets; the effects of a transfer on its financial position, financial performance, and cash flows; and the transferor&#146;s continuing involvement, if any, in
transferred financial assets. SFAS No.&nbsp;166 is effective for interim and annual reporting periods that begin after November&nbsp;15, 2009. The Company is currently assessing the impact of the adoption of SFAS No.&nbsp;166 on its consolidated
financial position and results of operations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In June 2009, the FASB also issued SFAS No.&nbsp;167, &#147;Amendments to FASB
Interpretation No.&nbsp;46(R).&#148; SFAS No.&nbsp;167 significantly changes the criteria for determining whether the consolidation of a variable interest entity is required. SFAS No.&nbsp;167 also addresses the effect of changes required by SFAS
No.&nbsp;166 on FASB Interpretation No.&nbsp;46(R), &#147;Consolidation of Variable Interest Entities,&#148; and concerns regarding the application of certain provisions of Interpretation No.&nbsp;46(R), including concerns that the accounting and
disclosures under the Interpretation do not always provide timely and useful information about an entity&#146;s involvement in a variable interest entity. SFAS No.&nbsp;167 is effective for interim and annual reporting periods that begin after
November&nbsp;15, 2009. The Company is currently assessing the impact of the adoption of SFAS No.&nbsp;167 on its consolidated financial position and results of operations. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Business segments.</B> As the Company manages its business and operations on a consolidated basis, management has determined that there
is one reportable business segment. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Reclassifications.</B> Certain reclassifications have been made to the financial
statements for years prior to September&nbsp;30, 2009 to conform to current year classifications. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Subsequent events
review.</B> Events occurring subsequent to the date of the balance sheet have been evaluated for potential recognition or disclosure in the consolidated financial statements through November&nbsp;2, 2009, the date of the filing of the consolidated
financial statements with the Securities and Exchange Commission. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE B </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INVESTMENT&nbsp;SECURITIES</B> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortized</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="2">Cost</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;Gross&nbsp;Unrealized&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="2">Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yield</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gains</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Losses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Available-for-sale securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. government and agency securities due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>500</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>515</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,300</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,309</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10.38</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-Backed Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,105,227</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>82,041</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,187,259</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.77</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,115,027</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>86,065</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.79</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Held-to-maturity securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-exempt municipal bonds due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,140</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,240</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.60</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,295</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>445</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,740</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.72</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. government and agency securities due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-Backed Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>95,607</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,676</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>99,283</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.57</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>103,042</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,221</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>107,263</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.59</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,218,069</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>90,286</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,308,346</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.78</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortized</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="2">Cost</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gross Unrealized</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="2">Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yield</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gains</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Losses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Available-for-sale securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. government and agency securities due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,500</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,048</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.96</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,753</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,978</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,183</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.21</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-Backed Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,434,907</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,425</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,434,836</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.75</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,472,160</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,403</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,476,067</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.77</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Held-to-maturity securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-exempt municipal bonds due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,470</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,575</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.60</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,300</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">431</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,731</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.72</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. government and agency securities due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-Backed Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,767</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">704</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">115,042</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.56</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124,537</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,240</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">123,348</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.58</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,596,697</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,643</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13,925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,599,415</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.76</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">$18,453,000 of available-for-sale securities were sold in 2009, resulting in a net gain of $1,063,000. $72,030,000 of available-for-sale securities were sold in 2008, resulting in no gain. $44,041,000 of available-for-sale securities were
sold in 2007, resulting in a gain of $11,000. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Substantially all mortgage-backed securities have contractual due dates that
exceed 10 years. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">22 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the fourth quarter of 2008, the Company recorded an
other than temporary impairment charge of $87,747,000 on its investment in Freddie Mac and Fannie Mae preferred stock. The value of these securities declined significantly after the U.S. Government placed both companies into conservatorship in
September 2008. The securities were sold during 2009 at a small gain relative to their carrying value after the impairment charge. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The following table shows the unrealized gross losses and fair value of securities at September&nbsp;30, 2009, by length of time that individual securities in each category have been in a continuous loss position. The Company had only
$270,000 in fair value of securities in a continuous loss position for 12 or more months at September&nbsp;30, 2009, which consisted of mortgage-backed securities. Management believes that the declines in fair value of these investments are not an
other than temporary impairment. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="19" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less&nbsp;than&nbsp;12&nbsp;months</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">12&nbsp;months&nbsp;or&nbsp;more</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized<BR>Gross&nbsp;Losses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair<BR>Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized<BR>Gross&nbsp;Losses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair<BR>Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized<BR>Gross&nbsp;Losses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair<BR>Value</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>U.S. agency securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Agency pass-through certificates</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>270</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>270</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="18" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>270</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>270</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE C </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>LOANS RECEIVABLE </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,785,723</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,868,956</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; speculative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>267,430</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">439,616</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction &#150; custom</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>258,839</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317,894</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; acquisition &amp; development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>519,130</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">724,421</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land &#150; consumer lot loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>195,812</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">210,816</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multi-family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>705,212</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">683,508</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>294,109</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">282,138</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>119,019</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151,844</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">HELOC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>122,184</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80,407</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>120,081</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">153,072</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,387,539</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,912,672</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for probable losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>166,836</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,058</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans in process</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>200,919</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">288,579</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred net loan origination fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>36,354</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,415</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>404,109</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">411,052</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,983,430</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company originates fixed and adjustable interest rate loans, which at September&nbsp;30, 2009 consisted of the following: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed-Rate</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustable-Rate</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Term to Maturity</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Book Value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Term to Rate Adjustment</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Book Value</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In&nbsp;thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In&nbsp;thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>97,620</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less than 1 year</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>881,102</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>129,597</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>146,815</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>122,676</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 to 5 years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>257,038</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>399,300</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 to 10 years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>310,085</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 to 20 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>676,587</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 to 20 years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45,837</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 20 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,160,633</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 20 years</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>160,249</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,586,413</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,801,126</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009 and 2008,
approximately $57,124,000 and $65,576,000 of fixed-rate loan origination commitments were outstanding, respectively. Loans serviced for others at September&nbsp;30, 2009 and 2008 were approximately $132,751,000 and $157,045,000, respectively.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Permanent single-family residential loans receivable included
adjustable-rate loans of $229,580,000 and $424,377,000 at September&nbsp;30, 2009 and 2008, respectively. These loans have interest rate adjustment limitations and are generally indexed to the 1-year Treasury Bill rate or the Fannie Mae 30 year/30
day commit rate published each Wednesday in the Wall Street Jourrnal. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Gross loans by geographic concentration were as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Single-<BR>family<BR>residential</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Multi-<BR>family</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">acquisition<BR>&amp;<BR>development</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -<BR>consumer<BR>lot loans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction&nbsp;-<BR>custom</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction&nbsp;-<BR>speculative</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>real estate</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>&amp; industrial</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consumer</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">HELOC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="32" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Washington</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,800,450</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>220,929</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>297,163</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>92,076</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>172,762</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>154,836</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>198,837</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>102,895</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>12,699</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>74,284</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,126,931</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Oregon</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,094,773</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>304,433</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>54,620</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>40,443</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>39,643</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>43,146</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,881</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7,445</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,590,384</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>656,652</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9,209</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>82,983</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>748,846</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Idaho</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>570,571</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>33,995</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>27,520</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>23,322</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>12,366</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>19,768</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>136</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,416</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>691,094</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Arizona</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>626,835</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>68,899</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>51,127</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>17,607</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,622</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>23,195</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>953</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,312</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>802,550</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Utah</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>597,599</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>52,411</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>31,902</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11,237</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>19,194</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>10,118</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>54</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6,342</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>728,857</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">New Mexico</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>168,006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>40,743</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7,974</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,057</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13,213</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>95,272</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>16,124</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,554</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>25,060</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>378,933</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Texas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>131,337</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,385</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,285</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,058</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,195</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>843</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11,313</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>161,416</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nevada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>139,500</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6,021</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7,770</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,093</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,311</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>508</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>325</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>158,528</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="31" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6,785,723</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>705,212</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>519,130</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>195,812</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>258,839</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>267,430</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>294,109</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>119,019</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>120,081</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>122,184</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9,387,539</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="31" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8" COLSPAN="34"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="34"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage of gross loans by geographic concentration as a % of total were as follows:</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Single-<BR>family<BR>residential</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Multi-<BR>family</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -<BR>acquisition<BR>&amp;<BR>development</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -<BR>consumer<BR>lot loans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction -<BR>custom</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction -<BR>speculative</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>real estate</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>&amp; industrial</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consumer</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">HELOC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="32" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(As a % of total gross loans)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Washington</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>29.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>43.9%</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Oregon</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>17.0%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8.0%</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Idaho</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.3%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Arizona</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8.5%</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Utah</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.8%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">New Mexico</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.1%</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Texas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.7%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nevada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.7%</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="31" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>72.40%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.60%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5.50%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.70%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.70%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3.10%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.30%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.30%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.40%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="31" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8" COLSPAN="34"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="34"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage of gross loans by type and geographic concentration as % of each type were as follows:</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,<BR>2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Single-<BR>family<BR>residential</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Multi-<BR>family</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -<BR>acquisition<BR>&amp;<BR>development</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Land -<BR>consumer<BR>lot loans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction -<BR>custom</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction -<BR>speculative</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>real estate</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>&amp; industrial</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consumer</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">HELOC</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="29" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(As a % of gross loans by type)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Washington</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>41.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>31.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>57.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>47.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>66.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>57.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>67.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>86.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>10.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>60.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Oregon</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>16.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>43.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>10.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>20.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>15.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>16.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>69.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Idaho</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Arizona</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Utah</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5.7%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5.2%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">New Mexico</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7.8%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>32.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>20.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Texas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.6%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nevada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.5%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.1%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.9%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.0%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.4%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>0.3%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="28" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>100.00%</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="28" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">24 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At September&nbsp;30, 2009, the Company&#146;s recorded
investment in impaired loans was $531,817,000, of which $318,543,000 have allocated reserves of $107,375,000. At September&nbsp;30, 2008, the Company&#146;s recorded investment in impaired loans was $134,438,000, of which $98,654,000 had allocated
reserves of $28,755,000. The average balance of impaired loans during 2009, 2008 and 2007 was $442,321,000, $82,176,000 and $7,773,000, and interest income from impaired loans was $27,158,000, $5,284,000 and $522,000, respectively. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE D </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>ALLOWANCE FOR LOSSES ON LOANS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>85,058</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>193,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(112,873</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(15,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recoveries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,651</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Acquired reserves</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>166,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE E </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INTEREST RECEIVABLE </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50,816</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for uncollected interest on loans receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(12,773</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10,543</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>610</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>53,288</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE F </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PREMISES AND EQUIPMENT </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated<BR>Useful&nbsp;Life</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60,060</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Buildings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25&nbsp;-&nbsp;40</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>92,499</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90,679</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Leasehold improvements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 - 15</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,512</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Furniture, fixtures and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 - 10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19,863</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>177,934</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">173,284</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less accumulated depreciation and amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(44,457</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(39,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>133,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company has non-cancelable operating leases for branch offices. Future minimum net rental commitments for all non-cancelable leases, including maintenance and associated costs, were as follows: $3 million for 2010, $2 million for 2011, $1 million
for 2012, $1 million for 2013 and $2 million thereafter. Rental expense, including amounts paid under month-to-month cancelable leases, amounted to $2,710,000, $2,613,000 and $2,487,000 in 2009, 2008 and 2007, respectively. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE G </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CUSTOMER ACCOUNTS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Checking accounts, .75% and under</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>526,321</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">516,972</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Passbook and statement accounts, .50% and under</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>197,025</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">188,546</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Insured money market accounts, .01% to 1.00%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,214,812</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,231,542</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificate accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less than 2.00%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,765,881</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,951</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.00% to 2.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,220,833</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">880,676</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.00% to 3.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>457,425</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,887,138</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00% to 4.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>370,967</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,346,039</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00% to 5.99%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33,203</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,181</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,848,309</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,208,985</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase agreements with customers, .01% to 3.50%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>55,843</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,494</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,842,310</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,169,539</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificate maturities are as follows:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,732,493</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,557,174</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 2 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>747,839</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">377,619</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>156,402</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98,202</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Over 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>211,575</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">175,990</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,848,309</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,208,985</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Customer accounts over $100,000 totaled $2,835,393,000 as of September&nbsp;30, 2009 and $2,423,000,000 as of September&nbsp;30, 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Interest expense on customer accounts consisted of the following: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Checking accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,144</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Passbook and statement accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,441</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Insured money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificate accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>170,001</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">224,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>191,074</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">244,025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase agreements with customers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,061</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">817</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>192,135</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">260,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">244,842</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less early withdrawal penalties</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(700</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>191,435</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">259,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">243,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted average interest rate at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.96</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted daily average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.56</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">26 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE H </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FHLB ADVANCES </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Maturity dates of FHLB advances were as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>428,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">448,308</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">100,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">More than 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,550,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,450,000</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,078,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,998,308</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">$1,750,000,000 of the 2009 advances and $1,650,000,000 of the 2008 advances included in the above table are callable by the FHLB. If these callable advances were to be called at the earliest call dates, the maturities of all FHLB advances
would be as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>400,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">200,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,028,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">848,308</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>650,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">875,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">More than 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">75,000</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,078,930</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,998,308</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Financial data pertaining to the weighted-average cost and the amount of FHLB advances were as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted average interest rate at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted daily average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Daily average of FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,243,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,022,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623,864</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum amount of FHLB advances at any month end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,743,026</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,205,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,800,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94,804</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94,048</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78,033</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">FHLB advances are collateralized as provided for in the Advances, Pledge and Security Agreement by all FHLB stock owned by the Company, deposits with the FHLB and certain mortgages or deeds of trust securing such properties as provided in
the agreements with the FHLB. As a member of the FHLB of Seattle, the Company currently has a credit line of 50% of the total assets of the Company, subject to collateralization requirements. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE I </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>OTHER BORROWINGS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Maturity dates of securities sold under agreements to repurchase (reverse repurchase agreements) and other borrowings were as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reverse repurchase agreements and other borrowings:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>600</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">377,600</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">300,000</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">More than 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500,000</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,600</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,177,600</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">$500,000,000 of the
2009 and 2008 reverse repurchase agreements and other borrowings included in the above table are callable by the counterparty. If these were to be called at the earliest call dates, the maturities of the reverse repurchase agreements and other
borrowings would be as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reverse repurchase agreements and other borrowings:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B> 600</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">377,600</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 to 3 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>300,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">600,000</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 to 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>200,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">200,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">More than 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>300,000</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,600</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,177,600</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Other borrowings on the Consolidated Statements of Financial Condition at both September&nbsp;30, 2009 and 2008 included the $800,000,000 of reverse repurchase agreements presented in the table above. In addition, 2008 had $377,000,000 of
short-term Fed funds borrowings due October&nbsp;1, 2008, bearing weighted average interest rates of 2.00% as of September&nbsp;30, 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company enters into sales of reverse repurchase agreements. Fixed-coupon reverse repurchase agreements are treated as financings, and
the obligations to repurchase securities sold are reflected as a liability in the consolidated statements of financial condition. During the three years ended September&nbsp;30, 2009, all of the Company&#146;s transactions were fixed-coupon reverse
repurchase agreements. The dollar amount of securities underlying the agreements remain in the asset accounts. The securities pledged are registered in the Company&#146;s name, and principal and interest payments are received by the Company;
however, the securities are held by the designated trustee of the broker. Upon maturity of the agreements, the identical securities pledged as collateral will be returned to the Company. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial data pertaining to the weighted-average cost and the amount of securities sold under agreements to
repurchase and other borrows were as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>(In thousands)<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reverse repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted average interest rate at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted daily average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Daily average of securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">803,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">785,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum securities sold under agreements to repurchase at any month end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>800,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">800,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">900,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31,061</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,962</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted average interest rate at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.00</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted daily average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Daily average of securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>191,989</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">296,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum other borrowings at any month end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>240,600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">475,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">28 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE J </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INCOME TAXES</B> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Consolidated Statements of Financial Condition at September&nbsp;30, 2009 and 2008 include net deferred tax liabilities and assets of $449,000 and $1,236,000, respectively, that have been provided for
the temporary differences between the tax basis and the financial statement carrying amounts of liabilities and assets. The major sources of these temporary differences and their deferred tax effects were as follows: </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan loss reserves</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>89,020</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment security deferred loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Delinquent accrued interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,320</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total deferred tax assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94,340</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank stock dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33,492</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Valuation adjustment on available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31,626</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan origination costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14,223</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,544</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred gain on forward commitments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,546</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,091</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core deposit intangible</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>983</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>375</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total deferred tax liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94,789</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">68,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net deferred tax liability (asset)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>449</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="4" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A
reconciliation of the statutory federal income tax rate to the effective income tax rate follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Statutory income tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividend received deduction</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other differences</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>-1</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">State income tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effective income tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>36</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">35</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">On October&nbsp;1, 2007, the Company adopted ASC 740-10, <I>Income Taxes</I>. A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>(In thousands)<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43,108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax positions related to current year:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Additions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reductions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax positions related to prior years:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Additions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,706</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reductions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Settlements with taxing authorities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Lapses in statutes of limitations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44,781</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">As of September 30, 2009 and 2008, the Company&#146;s liability for uncertain tax positions was $42.8 million and $41.7 million, respectively. Included in the balance of unrecognized tax benefits at September 30, 2009, are $1.5 million of
tax benefits that, if recognized, would affect the effective tax rate. The Company records interest and penalties related to uncertain tax positions in income tax </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P><FONT STYLE="font-family:Times New Roman" SIZE="2">expense. As of September 30, 2009 and 2008, there was approximately $3.3
million and $1.6 million, respectively, of accrued interest and $0.3 million and $0.3 million, respectively, of accrued penalties. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on current information the Company does not expect any changes in the amount of unrecognized tax benefits over the next twelve months
to have a significant impact on the results of operations or the financial position of the Company. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s federal income tax returns for 2005 through 2008 are open tax years. State income tax returns are generally subject to
examination for a period of three to five years after filing of the respective return. The state impact of any federal changes remains subject to examination by various states for a period of up to two years after formal notification to the states.
The Company has various federal and state income tax returns in the process of examination, administrative appeals or litigation. The Company&#146;s unrecognized tax benefits are related to state returns open from 1999 through 2008 and a federal
audit of an acquisition&#146;s 2008 tax return. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The Company has been examined by the Internal Revenue Service through the year ended September&nbsp;30, 1990. There were no material changes made to the Company&#146;s originally reported taxable income as a result of this examination.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE K </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PROFIT SHARING RETIREMENT PLAN AND EMPLOYEE STOCK OWNERSHIP PLAN</B> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company maintains a Profit Sharing Retirement Plan and Employee Stock Ownership Plan (Plan) for the benefit of its employees. Company
contributions are made semi-annually as approved by the Board of Directors. Such amounts are not in excess of amounts permitted by the Employee Retirement Income Security Act of 1974. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Plan participants may make voluntary after-tax contributions of their considered earnings as defined by the Plan. In addition, participants
may make pre-tax contributions up to the statutory limits through the 401(k) provisions of the Plan. The annual addition from contributions to an individual participant&#146;s account in this Plan cannot exceed the lesser of 100% of base salary or
$46,000. Under provisions of the Plan, employees are eligible to participate on the date of hire and become fully vested in the Company&#146;s contributions following six years of service. In August 1995 the Company received a favorable
determination from the Internal Revenue Service to include an Employee Stock Ownership feature as part of the Plan. This feature allows employees to direct a portion of their vested account balance toward the purchase of Company stock. Company
contributions to the Plan amounted to $4,200,000, $3,595,000 and $2,631,000 for the years ended September&nbsp;30, 2009, 2008 and 2007, respectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE L </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>STOCK OPTION PLANS</B> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has two equity-based compensation plans (Plans) which provide for a combination of stock options and stock grants. Option awards
are granted with an exercise price equal to the market price of the Company&#146;s stock at the date of grant; those option awards generally vest based on 7 years of continuous service and have 10-year contractual terms. Beginning with options
awarded in 2008, the vesting period was reduced to 5 years of continuous service. The Company&#146;s policy is to issue new shares upon option exercises. Stockholders authorized 4,480,101 shares and 4,099,480 shares of common stock, as adjusted for
stock splits and stock dividends, to be reserved pursuant to the 1994 Stock Option and Stock Appreciation Rights Plan (the 1994 Plan) and the 2001 Long-Term Incentive Plan (the 2001 Plan), respectively. The two Plans are substantially similar. Of
the 8,579,581 total shares authorized by stockholders under the two Plans, 2,383,910 shares remain available for issuance. Each of the Plans has been approved by the Company&#146;s stockholders. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The fair value of options granted is estimated on the date of grant using the Black-Scholes option-pricing model. This model requires input
of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options granted but are not
considered by the model. Expected volatility is based on the historical volatility of the Company&#146;s stock. The risk-free
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">30 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
interest rate is based on the U.S. Treasury yield curve that is in effect at the time of grant with a remaining term equal to the options&#146; expected life. The expected term represents the
period of time that options granted are expected to be outstanding. The following weighted-average assumptions were used to estimate the fair value of options granted during the periods indicated: </FONT></P></TD></TR></TABLE> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Annual dividend yield</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.83</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.66</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.62</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Expected volatility</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>24</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Risk-free interest rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.73</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.48</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.45</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Expected life</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.5&nbsp;years</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.5&nbsp;years</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.5&nbsp;years</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">During 2009, 2008 and 2007, the Company recognized $1,327,000, $1,286,000 and 1,095,000 of compensation cost for stock options, net of forfeitures. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A summary of option activity under the Plans as of September&nbsp;30, 2009, and changes during the year then ended is as follows:
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Options</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>Shares<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted<BR>Average<BR>Exercise<BR>Price</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted<BR>Average<BR>Remaining<BR>Contractual<BR>Term</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Aggregate<BR>Intrinsic<BR>Value<BR>(In&nbsp;thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding at September&nbsp;30, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,669,413</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.90</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Granted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389,380</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11.52</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exercised</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-20,619</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.50</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Forfeited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-152,499</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19.86</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Outstanding at September&nbsp;30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,885,675</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19.75</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.0&nbsp;years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,229</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exercisable at September&nbsp;30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,178,360</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18.52</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.0&nbsp;years&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,258</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The weighted average grant date fair value of options granted during the years
2009, 2008 and 2007 was $1.60, $2.54 and $2.38, respectively. The total intrinsic value of options exercised during the years ended September&nbsp;30, 2009, 2008 and 2007 was $65,000, $1,234,000 and $3,928,000, respectively. Likewise, the total
grant date fair value of options exercised during the years ended September&nbsp;30, 2009, 2008 and 2007 was $57,000, $441,000 and $1,040,000, respectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">A summary of the status of the Company&#146;s nonvested options as of September&nbsp;30, 2009, and changes during the year then ended is as follows: </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonvested Options</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>Shares<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted<BR>Average<BR>Grant&nbsp;Date<BR>Fair Value</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding at September 30, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,869,183</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.14</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Granted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389,380</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.60</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vested</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-443,471</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.34</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Forfeited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-107,777</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.73</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Outstanding at September 30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,707,315</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.76</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">As of September&nbsp;30, 2009, unrecognized compensation cost for stock options, net of forfeitures, totaled $3,363,000, which is expected to be recognized over a weighted average remaining period of 1.8 years. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash received from option exercises for the years ended September&nbsp;30, 2009, 2008 and 2007 was $158,000, $2,198,000 and $5,563,000,
respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $21,000, $337,000 and $1,132,000, respectively, for the years ended September&nbsp;30, 2009, 2008 and 2007. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also grants shares of restricted stock pursuant to its plans. These shares of restricted stock vest over a period of one to
seven years. The Company has issued a total of 263,235 shares of restricted stock, with a fair market value at the date of grant of $5.2 million. As of September&nbsp;30, 2009, 124,686 shares remained restricted. The Company accounts for restricted
stock grants by
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
recording the fair value of the grant to compensation expense over the vesting period. Compensation expense related to restricted stock was $864,000, $795,000 and $298,000 for the years ended
September&nbsp;30, 2009, 2008 and 2007, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE M </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>STOCKHOLDERS&#146; EQUITY</B> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On November&nbsp;14, 2008, the Company entered into a Letter Agreement with the United States Department of the Treasury
(&#147;Treasury&#148;) to participate in the Troubled Asset Relief Program Capital Purchase Program (&#147;CPP&#148;). Pursuant to the Agreement, the Company issued and sold to the Treasury (i)&nbsp;200,000 shares of the Company&#146;s Fixed Rate
Cumulative Perpetual Preferred Stock, and (ii)&nbsp;a warrant to purchase 1,707,456 shares of the Company&#146;s common stock, par value $1.00 per share, for an aggregate purchase price for both the preferred stock and warrants of $200 million in
cash. The Preferred Stock qualified as Tier 1 capital and paid cumulative dividends at a rate of 5%&nbsp;per annum for the first five years, and 9%&nbsp;per annum thereafter. On May&nbsp;27, 2009, the Company repurchased the $200 million of
preferred stock. The Company has decided not to repurchase the 1.7&nbsp;million warrants issued in conjunction with the preferred stock at this time due to the contractual restrictions on negotiating the value of such warrants. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On September&nbsp;15, 2009, the Company issued additional common stock in a follow on offering for the first time since going public in
1982. Net proceeds received totaled $333,176,688 upon the issuance of 24,150,000 additional common shares. The use of the proceeds from this offering will be used for general corporate purposes, which may include capital to support growth and
acquisition opportunities. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal Savings is subject to various regulatory capital requirements administered by
the Office of Thrift Supervision (OTS). Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on the
Company&#146;s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Washington Federal Savings must meet specific capital guidelines that involve quantitative measures of Washington
Federal Savings&#146; assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Washington Federal Savings&#146; capital amounts and classification are also subject to qualitative judgments by the
regulators about capital components, risk-weightings and other factors. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2009 and 2008, the OTS
categorized Washington Federal Savings as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, Washington Federal Savings must maintain minimum total risk-based, Tier 1 risk-based and
Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that Management believes have changed Washington Federal Savings&#146; categorization. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Actual</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Capital</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="2">Adequacy<BR>Guidelines</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Well Capitalized<BR>Under Prompt<BR>Corrective Action<BR>Provisions</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Capital</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Capital</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Capital</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30, 2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="16" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total capital to risk-weighted assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,469,857</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21.57</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>545,034</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>681,293</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier I capital to risk-weighted assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,414,885</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.77</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>408,776</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core capital to adjusted tangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,414,885</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.56</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>612,094</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core capital to total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,414,885</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.56</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>367,257</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.00</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tangible capital to tangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,414,885</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.56</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>183,628</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.50</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>N/A</B></FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="15" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total capital to risk-weighted assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,128,345</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.59</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">544,064</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">680,080</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier I capital to risk-weighted assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077,788</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.85</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,048</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core capital to adjusted tangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077,788</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.32</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">578,322</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Core capital to total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077,788</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.32</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">346,993</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.00</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tangible capital to tangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077,788</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.32</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">173,496</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.50</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="right" COLSPAN="1" VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD COLSPAN="1" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">32 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfs2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At periodic intervals, the OTS and the Federal Deposit
Insurance Corporation (FDIC) routinely examine the Company&#146;s financial statements as part of their oversight of the savings and loan industry. Based on their examinations, these regulators can direct that the Company&#146;s financial statements
be adjusted in accordance with their findings. The extent to which forthcoming regulatory examinations may result in adjustments to the financial statements cannot be determined; however, no adjustments were proposed as a result of the most recent
OTS examination which concluded in November 2008. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has an ongoing stock repurchase program. No shares were
repurchased during 2009 or 2008. As of September&nbsp;30, 2009, Management had authorization from the Board of Directors to repurchase up to 2.9&nbsp;million additional shares. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE N </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FAIR VALUES OF FINANCIAL INSTRUMENTS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. GAAP, requires disclosure of fair value information about financial instruments, whether or not recognized on the statement of
financial condition, for which it is practicable to estimate those values. Certain financial instruments and all non-financial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value estimates presented do
not reflect the underlying fair value of the Company. Although Management is not aware of any factors that would materially affect the estimated fair value amounts presented, such amounts have not been comprehensively revalued for purposes of these
financial statements since that date, and therefore, estimates of fair value subsequent to that date may differ significantly from the amounts presented below. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Carrying<BR>Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated<BR>Fair Value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Carrying<BR>Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated<BR>Fair Value</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>498,388</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,600</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,456</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,456</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,824</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,824</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,775</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,775</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of foreign governments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,187,259</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,187,259</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,434,836</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,434,836</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,476,067</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,476,067</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Held-to-maturity securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,435</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,980</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,770</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,306</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of foreign governments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities<BR>Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>95,607</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>99,283</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,767</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">115,042</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total held-to-maturity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>103,042</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>107,263</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124,537</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">123,348</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,983,430</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,223,038</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,501,620</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,564,456</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>144,495</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>144,495</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144,874</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144,874</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,842,310</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,861,129</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,169,539</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,173,684</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances and other borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,879,530</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,968,519</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,175,908</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,153,797</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2">The following methods and assumptions were used to estimate the fair value of financial instruments: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and
cash equivalents</B> &#150; The carrying amount of these items is a reasonable estimate of their fair value. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><B>Available-for-sale securities and held-to-maturity securities</B> &#150; Estimated fair value for investment securities is based on quoted market prices. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Loans receivable</B> &#150; For certain homogeneous categories of loans, such as fixed- and variable-rate residential mortgages, fair value is estimated using quoted market prices for securities backed
by similar loans, adjusted for differences in loan characteristics. The fair value of other loan types is estimated by discounting the future cash flows and estimated prepayments using the current rates at which similar loans would be made to
borrowers with similar credit ratings and for the same remaining term. Some loan types were valued at carrying value because of their floating rate or expected maturity characteristics. Net deferred loan fees is not included in the fair value
calculation but is included in the carrying amount. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FHLB stock</B> &#150; The fair value is based upon the redemption
value of the stock which equates to its carrying value. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Customer accounts</B> &#150; The fair value of demand deposits,
savings accounts, and money market accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated by discounting the estimated future cash flows using the rates currently offered
for deposits with similar remaining maturities. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FHLB advances and other borrowings</B> &#150; The fair value of FHLB
advances and other borrowings is estimated by discounting the estimated future cash flows using rates currently available to the Company for debt with similar remaining maturities. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE O </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FINANCIAL INFORMATION &#150; WASHINGTON FEDERAL, INC. </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following Washington Federal, Inc. (parent company only) financial information should be read in conjunction with the other notes to the
Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Statements of Financial Condition</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>39,249</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment in subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,726,113</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,342,195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividend receivable and other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>434</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,765,796</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,365,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Borrowed money</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14,310</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividend payable and other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,001</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20,311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stockholders&#146; equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common stock, $1.00 par value, 300,000,000 shares authorized, <B>129,320,072 </B>and 105,092,724 shares issued;
<B>112,247,748</B> and 87,916,286 shares outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>129,320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Paid-in capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,574,555</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,261,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated other comprehensive income, net of tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54,431</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury stock, at cost; <B>17,072,324</B> and 17,176,438 shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(208,985</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(210,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>196,164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">174,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,745,485</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,332,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,765,796</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,365,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">34 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfs2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Statements of Operations</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends from subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,833</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>24</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,857</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,014</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Expense</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Miscellaneous</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,996</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">765</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,996</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">765</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income before equity in undistributed net income of subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,861</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,249</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity to undistributed net income of subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>30,611</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,881</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,500</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>47,472</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134,749</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>700</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">268</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48,172</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends accrued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,488</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income available to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>40,684</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="8" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Statements of Cash Flows</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows From Operating Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments to reconcile net income to net cash provided (used) by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity in undistributed net income of subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(30,611</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,881</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(69,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Decrease (increase) in other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(11,589</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>23,972</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,744</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows From Financing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from exercise of common stock options and related tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>180</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from Employee Stock Ownership Plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,341</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net proceeds from follow on stock offering</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>333,177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Downstream stock offering proceeds to the Bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(300,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from issuance of preferred stock and warrants</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>200,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred stock redeemed</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(200,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase in borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury stock purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends paid on preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(5,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends paid on common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(18,847</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(73,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(72,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided (used) by financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10,490</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(61,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(63,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>34,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash at beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,787</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash at end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>39,249</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582top_bar2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE P </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED) </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a summary of the unaudited interim results of operations by quarter: </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Year ended September&nbsp;30, 2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>First<BR>Quarter</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Second<BR>Quarter</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Third<BR>Quarter</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Fourth<BR>Quarter</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except per share data)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>178,539</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>176,168</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>169,801</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>167,266</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88,526</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>82,686</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>75,548</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>71,867</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>90,013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>93,482</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94,253</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>95,399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>52,200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>51,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,345</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25,826</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>26,780</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35,719</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35,089</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>17,090</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,679</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,611</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,844</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,074</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,646</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,006</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,518</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,016</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,605</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends accrued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,349</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,606</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,533</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income available to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20,169</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,410</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,500</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,605</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.03</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.03</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.05</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.05</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.05</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.05</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.66</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.08</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Year ended September&nbsp;30, 2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">First<BR>Quarter</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Second<BR>Quarter</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Third<BR>Quarter</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fourth<BR>Quarter</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands, except per share data)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166,592</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">176,852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">180,481</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">101,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">103,279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">99,817</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80,664</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">84,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(84,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,581</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income (loss) before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,935</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(61,960</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(22,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,048</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(39,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="13" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic earnings (loss) per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted earnings (loss) per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="18%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE Q </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FAIR VALUE MEASUREMENTS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. GAAP defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in
the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.&nbsp;U.S. GAAP also establishes a fair value hierarchy which requires an entity to maximize the use
of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:23%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level 1</B>: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to
access as of the measurement date. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:23%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level 2</B>: Significant other observable inputs other than Level 1 prices, such as
quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:23%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level 3</B>: Significant unobservable inputs that reflect a company&#146;s own assumptions about the assumptions that market participants
would use in pricing an asset or liability. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">36 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </I></B><I>(CONTINUED)</I><B><I> </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a description of the valuation methodologies
used to measure and report fair value of financial assets and liabilities on a recurring or nonrecurring basis: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Measured on a Recurring Basis</U> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Securities </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale are recorded at fair value on a recurring basis.&nbsp;Fair value is determined with quoted prices for similar
assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data (Level 2). </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following table presents the balance of assets measured at fair value on a recurring basis at September&nbsp;30, 2009: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;
</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Fair Value at September&nbsp;30, 2009</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level&nbsp;1</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level 2</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level&nbsp;3</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Available-for-sale securities </B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>515</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>515</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,309</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,309</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of foreign governments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agency pass-through certificates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,187,259</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,187,259</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,201,083</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><U>Measured on a Nonrecurring Basis</U> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman"
SIZE="2"><I>Impaired Loans </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">From time to
time, and on a nonrecurring basis, fair value adjustments to collateral dependent loans are recorded to reflect write-downs of principal balances based on the current appraised or estimated value of the collateral. This new estimated fair value is
net of anticipated selling costs. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>REO/REHI
</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate owned/held for investment
consists principally of properties acquired through foreclosure and are carried at the lower of cost or estimated fair value less anticipated selling costs. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following table presents the aggregated balance of assets measured at estimated fair value on a nonrecurring basis for the year ended September&nbsp;30, 2009, and the total losses resulting from these
fair value adjustments for the quarter and year ended September&nbsp;30, 2009: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Through&nbsp;September&nbsp;30,&nbsp;2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Quarter&nbsp;Ended<BR>September&nbsp;30,<BR>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Year&nbsp;Ended<BR>September&nbsp;30,<BR>2009</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level&nbsp;1</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level&nbsp;2</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Level 3</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total Losses</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total Losses</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="17" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(In thousands)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans (1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>506,339</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>506,339</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25,578</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>141,209</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">REO/REHI (2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>206,563</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>206,563</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,449</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>29,256</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="16" VALIGN="bottom" STYLE="border-top:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>712,902</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>712,902</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>38,027</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>170,465</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD>
<TD COLSPAN="16" VALIGN="bottom" STYLE="border-top:3px double #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The loss represents remeasurements of collateral dependent loans. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="18%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The loss represents charge-offs on REO/REHI. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:18%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There were no liabilities carried at fair value, measured on a recurring or nonrecurring basis, at September&nbsp;30, 2009. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582rirpaf2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_7"></A>MANAGEMENT&#146;S REPORT ON INTERNAL <BR>CONTROL OVER FINANCIAL REPORTING </I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The management of Washington Federal, Inc. (the &#147;Company&#148;) is responsible for establishing and maintaining adequate internal
control over financial reporting. The Company&#146;s internal control system was designed to provide reasonable assurance to the Company&#146;s management and Board of Directors regarding the preparation and fair presentation of published financial
statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s management assessed the effectiveness of the Company&#146;s internal control over financial
reporting as of September 30, 2009. In making this assessment, the Company&#146;s management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in Internal Control-Integrated Framework. Based
on its assessment, the Company&#146;s management believes that as of September&nbsp;30, 2009, the Company&#146;s internal control over financial reporting was effective based on those criteria. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s independent auditors, Deloitte&nbsp;&amp; Touche LLP, an independent registered public accounting firm, have issued an
audit report on the Company&#146;s internal control over financial reporting and their report follows. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;30, 2009 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g50t17.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Roy M. Whitehead </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Chairman, President and </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Executive Officer </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g49l93.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Brent J. Beardall </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Executive Vice President and </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582rirpaf2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_8"></A>REPORT OF INDEPENDENT REGISTERED <BR>PUBLIC ACCOUNTING FIRM </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">To the Board of Directors and Stockholders of </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have audited the accompanying consolidated
statements of financial condition of Washington Federal, Inc. and subsidiaries (the &#147;Company&#148;) as of September 30, 2009 and 2008, and the related consolidated statements of operations, stockholders&#146; equity, and cash flows for each of
the three years in the period ended September 30, 2009. These consolidated financial statements are the responsibility of the Company&#146;s management. Our responsibility is to express an opinion on these consolidated financial statements based on
our audits. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United
States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the
amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that
our audits provide a reasonable basis for our opinion. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In our opinion, such consolidated financial statements present fairly,
in all material respects, the consolidated financial position of Washington Federal, Inc. and subsidiaries as of September 30, 2009 and 2008, and the results of their operations and their cash flows for each of the three years in the period ended
September 30, 2009, in conformity with accounting principles generally accepted in the United States of America. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have also
audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the Company&#146;s internal control over financial reporting as of September 30, 2009, based on the criteria established in Internal
Control&#151;Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission and our report dated October 30, 2009 expressed an unqualified opinion on the Company&#146;s internal control over financial reporting.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g68a60.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">DELOITTE&nbsp;&amp; TOUCHE LLP </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009 </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">38 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582ntcfscon2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">
<FONT STYLE="font-family:Times New Roman" SIZE="2">To the Board of Directors and Stockholders of </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">Washington Federal, Inc. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have audited the internal control over financial reporting of Washington Federal, Inc. and subsidiaries (the &#147;Company&#148;) as of
September 30, 2009, based on criteria established in Internal Control&#151;Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission. The Company&#146;s management is responsible for maintaining effective
internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management&#146;s Report on Internal Control over Financial Reporting. Our
responsibility is to express an opinion on the Company&#146;s internal control over financial reporting based on our audit. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We
conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control
over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and
operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A company&#146;s internal control over financial reporting is a process designed by, or under the supervision of, the company&#146;s
principal executive and principal financial officers, or persons performing similar functions, and effected by the company&#146;s board of directors, management, and other personnel to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#146;s internal control over financial reporting includes those policies and procedures that
(1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to
permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the
company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#146;s assets that could have a material effect on the financial statements. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Because of the inherent limitations of internal control over financial reporting, including the possibility of collusion or improper
management override of controls, material misstatements due to error or fraud may not be prevented or detected on a timely basis. Also, projections of any evaluation of the effectiveness of the internal control over financial reporting to future
periods are subject to the risk that the controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of September 30,
2009, based on the criteria established in Internal Control&#151;Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated financial statements as of and for the year ended September 30,
2009, of the Company and our report dated October 30, 2009, expressed an unqualified opinion on those consolidated financial statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g68a60.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">DELOITTE&nbsp;&amp; TOUCHE LLP </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 30, 2009 </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582fh2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_9"></A>PERFORMANCE GRAPHS </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following graphs compare the cumulative total return to Washington Federal stockholders (stock price
appreciation plus reinvested dividends) to the cumulative total return of the Nasdaq Stock Market Index (U.S. Companies) and the Nasdaq Financial Stocks Index for the five year period ended September&nbsp;30, 2009 and since Washington Federal first
became a publicly traded company on November&nbsp;9, 1982, respectively. The graphs assume that $100 was invested on September&nbsp;30, 2004 and November&nbsp;9, 1982, respectively, in Washington Federal Common Stock, the Nasdaq Stock Market Index
and the Nasdaq Financial Stocks Index, and that all dividends were reinvested. Management of Washington Federal cautions that the stock price performance shown in the graphs below should not be considered indicative of potential future stock price
performance. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">PERFORMANCE GRAPHS OPEN </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582g88g02.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582g61l19.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">40 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582g41i49.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="tx90582_10"></A>GENERAL CORPORATE AND STOCKHOLDERS&#146; INFORMATION </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Corporate </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">425 Pike Street </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Headquarters </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington 98101 </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">(206) 624-7930 </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Independent </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Deloitte &amp; Touche LLP </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Auditors </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Transfer Agent, Registrar and Dividend </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Stockholder inquiries regarding transfer requirements, cash or stock dividends, lost certificates, consolidating records, correcting a name or changing an address should be directed to the
transfer agent: </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Disbursing Agent </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">American Stock Transfer &amp; Trust Company </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">59 Maiden Lane </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Plaza Level </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">New York, NY 10038 </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:26%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Telephone: 1-888-888-0315 </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:26%"><FONT STYLE="font-family:Times New Roman" SIZE="2">www.amstock.com </FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Annual Meeting </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The annual meeting of stockholders will be held on January 20, 2010, at 2 p.m., Pacific Time at Sheraton Hotel, 1400 Sixth Avenue, Seattle, Washington </FONT></TD></TR></TABLE> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Form 10-K </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">To find out more about the Company, please visit our website. The Company uses its website to distribute financial and other material information about the Company. This report and all SEC
filings of the Company are available through the Company&#146;s website: <U> </U></FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>www.washingtonfederal.com</U> </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stock Information </B></FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc. is traded on the NASDAQ Global Select Market. The common stock symbol is WFSL. At September&nbsp;30, 2009, there were approximately 1,994 stockholders of record.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="74%" BORDER="0">

<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stock Prices</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Quarter Ended</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>High</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Low</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Dividends</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2007</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27.09</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.94</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.210</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>March&nbsp;31, 2008</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25.21</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19.05</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.210</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>June&nbsp;30, 2008</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>24.63</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18.10</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.210</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30, 2008</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>24.00</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13.63</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.210</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2008</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19.80</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.97</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.050</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>March&nbsp;31, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.03</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.94</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.050</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>June&nbsp;30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14.78</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.33</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.050</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16.98</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12.14</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.050</B></FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Our Board of Directors&#146; dividend policy is to review our financial performance, capital adequacy, regulatory compliance and cash resources on a quarterly basis, and, if such review is
favorable, to declare and pay a cash dividend to shareholders. </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

<TABLE WIDTH="99%">
<TR>
<TD WIDTH="88%">&nbsp;</TD>
<TD WIDTH="11%"><HR SIZE="1" NOSHADE STYLE="color:#000000" ALIGN="left"></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-right:7%" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">41 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">

<IMG SRC="g90582do_o2.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I><A NAME="ifc34264_10"></A><A NAME="tx90582_11"></A>DIRECTORS, OFFICERS AND OFFICES </I></B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" ALIGN="center">

<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>CORPORATE</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2" COLOR="#42644b"><B>HEADQUARTERS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">425 Pike
Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Seattle, WA 98101</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">(206)
624-7930</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>BOARD OF DIRECTORS</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">ROY M. WHITEHEAD</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Chairman, President and Chief&nbsp;Executive Officer</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">DEREK L. CHINN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Former President and Chief Executive Officer,</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">United Savings and Loan Bank</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JOHN F. CLEARMAN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Former Chief Financial Officer,
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Milliman USA, Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JAMES J. DOUD, JR.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Former Executive Vice President
and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Chief Operating Officer of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Matthew G. Norton Co.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">H. DENNIS HALVORSON</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Former Chief Executive Officer, United&nbsp;Bank</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">ANNA C. JOHNSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Partner</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Scan East West Travel</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">THOMAS J. KELLEY</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Faculty member, Albers</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">School of Business, Seattle</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">University and
retired</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">partner, Arthur Andersen</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">LLP
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">THOMAS F. KENNEY</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President Finance</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Haggen, Inc.</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">CHARLES R. RICHMOND</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Former Executive</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President, Washington Federal
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">BARBARA L. SMITH, Phd.</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Owner, B. Smith Consulting</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Group</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>DIRECTORS</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>EMERITI</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">W. ALDEN HARRIS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">KERMIT O. HANSON</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>EXECUTIVE MANAGEMENT COMMITTEE</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">ROY M. WHITEHEAD</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Chairman, President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Chief Executive Officer</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">BRENT J. BEARDALL</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Executive Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">and Chief Financial Officer</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">LINDA S. BROWER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Executive Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Human Resources &amp; Deposit Operations</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">RICHARD J. COLLETTE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Executive Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Business Banking</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">EDWIN C. HEDLUND</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Executive Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Mortgage &amp; Consumer Lending and Corporate Secretary</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JACK B. JACOBSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Executive Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial Real Estate</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">MARK A. SCHOONOVER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Executive Vice President<BR>and
Chief Credit Officer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>DEPARTMENT MANAGERS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Accounting</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">CHAD J. LEONARD</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President and Controller</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">ROBERT C. ZIRK</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Internal Controls and Taxes</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Business Banking-Bellevue</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">THOMAS E.
KASANDERS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Commercial Real Estate</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">THOMAS R. POZARYCKI
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">FRED H. REININGER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Compliance</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">PAUL I. TYLER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President and General
Counsel</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Consumer Underwriting</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">MICHAEL R. BUSH</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Credit Administration</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">DAVID J. DANIEL</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">MARC A. RASMUSSEN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">DALE
R. SULLIVAN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Special Assets</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">RONALD MCKENZIE,</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Commercial Appraisal Review</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JAMES CORBIN,
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Corporate Real Estate</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">KEITH D.
TAYLOR</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">and
Treasurer</FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Data Processing</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">TERRY O. PERMENTER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Deposit Operations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">TERESA M. RODIN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Internal Audit</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">BARBARA A. MURPHY</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Loan Servicing</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JUDY R. GRAMS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Marketing and Investor Relations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">CATHY E. COOPER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Mortgage Loan Operations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">LEANN H. BURKE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Wholesale Loan Production</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">PATRICK J. CARSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Wholesale Underwriting</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">COLLEEN E. WELLS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice
President</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>SUBSIDIARIES</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>First Insurance</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Agency,
Inc.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">1501 Riverside Drive</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Mount
Vernon, WA 98273</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">1-800-562-2555</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">DUANE
E. HENSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">President</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>SOUTH SOUND</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="2" COLOR="#42644b"><B>WASHINGTON</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>17 Office
Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">GREGORY J. TOSO</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">9919 Bridgeport Way S.W.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Lakewood, WA 98499</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>MIDSOUND</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"
COLOR="#42644b"><B>WASHINGTON</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>14 Office
Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">LISA M. KING</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">5809 196th S.W.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Lynnwood, WA 98036</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>EASTSIDE</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"
COLOR="#42644b"><B>WASHINGTON</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>14 Office
Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">VICTOR I. MIZUMORI</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">400 108<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP> Ave. NE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Bellevue, WA 98004</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"
COLOR="#42644b"><B>NORTHERN</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>WASHINGTON</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">GREGORY A. PECK</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">1501 Riverside Drive</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Mount Vernon, WA 98273</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>WESTERN</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"
COLOR="#42644b"><B>IDAHO</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>10 Office
Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">ROBERT P. LINK</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">1001 W. Idaho St.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Boise, ID 83701</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>EASTERN IDAHO</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JEFFREY B. HARRIS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">500 North Capital</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Idaho Falls, ID
83402</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>OREGON</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>28 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">PEGGY L. HOBIN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">14990 SW Bangy Rd.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Lake Oswego, OR
97035</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>UTAH</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>10 Office Locations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">MARLISE G.
FISHER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">505 East
200 South</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Salt Lake City, UT 84102</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>NEW MEXICO</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">R. HAL BAILEY</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice
President<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">4301 The 25 Way NE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Albuquerque, NM 87109</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>PHOENIX
ARIZONA</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13 Office Locations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">JOHN J. PIRTLE</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">2196 E. Camelback Road,
Suite 100</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Phoenix, AZ 85016</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>TUCSON ARIZONA</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">GEORGIA E. VELARDE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">5151 E. Broadway Blvd., Suite 105</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Tucson, AZ 85711</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>NEVADA</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4 Office Locations</B></FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">PAMELA K.
CALLAHAN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">9340 Sun City
Blvd. #103</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Las Vegas, NV 89134</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#42644b"><B>TEXAS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:-6px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4 Office Locations</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Division Manager</B>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">RONDA F. TOMLINSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Senior Vice
President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">5900 Chapel Hill Blvd.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman"
SIZE="1">Plano, TX 75093</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="line-height:2px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:14%">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%"><FONT
STYLE="font-family:ARIAL" SIZE="1">42 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582fsc_logo.jpg" ALT="LOGO"> </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g90582bc.jpg" ALT="LOGO"> </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>dex23.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
<TEXT>
<HTML><HEAD>
<TITLE>Consent of Independent Registered Public Accounting Firm</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 23 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">We consent
to the incorporation by reference in Registration Statement Nos. 333-161897 and 333-156097 on Form S-3 and Registration Statement Nos. 333-20191, 333-51143, 333-46588, 333-81242, and 333-119329 on Form S-8 of our reports relating to the financial
statements of Washington Federal, Inc. and the effectiveness of Washington Federal Inc.&#146;s internal control over financial reporting dated October&nbsp;30, 2009, appearing in this Annual Report on Form 10-K of Washington Federal, Inc. for the
year ended September&nbsp;30, 2009. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Seattle, Washington </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;30, 2009 </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>dex311.htm
<DESCRIPTION>SECTION 302 CEO CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Section 302 CEO Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 31.1 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Roy M. Whitehead, certify that: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">I have reviewed this annual report on Form 10-K of Washington Federal, Inc.; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in
light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial
condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material
information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the
disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal
quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and
</FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely
affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial
reporting. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;30, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Roy M. Whitehead</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">ROY M. WHITEHEAD</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chairman, President and Chief Executive Officer</FONT></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>dex312.htm
<DESCRIPTION>SECTION 302 CFO CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Section 302 CFO Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 31.2 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Brent J. Beardall, certify that: </FONT></P> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">I have reviewed this annual report on Form 10-K of Washington Federal, Inc.; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in
light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial
condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material
information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the
disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal
quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and
</FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely
affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial
reporting. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0">

<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;30, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Brent J. Beardall</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">BRENT J. BEARDALL</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Executive Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>6
<FILENAME>dex32.htm
<DESCRIPTION>SECTION 906 CEO AND CFO CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Section 906 CEO and CFO Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 32 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PURSUANT TO 18 U.S.C. SECTION 1350
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AS ADOPTED PURSUANT TO SECTION 906 OF THE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"
ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SARBANES-OXLEY ACT OF 2002 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the
Annual Report of Washington Federal, Inc. (the &#147;Company&#148;) on Form&nbsp;10-K for the period ended September&nbsp;30, 2009, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), the undersigned
hereby certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, that to the undersigned&#146;s best knowledge and belief: </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) the Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) the information contained in the Report fairly presents, in all material respects, the financial condition and results of
operations of the Company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px;padding-bottom:3px;"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dated this 30</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> day of October 2009. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV
ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0">

<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington Federal, Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman"
SIZE="2">(Company)</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Roy M. Whitehead</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">ROY M. WHITEHEAD</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chairman, President and Chief Executive Officer</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Brent J. Beardall</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">BRENT J. BEARDALL</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Executive Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE></DIV>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g90582bc.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582bc.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0ST4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!E````!@``````````````=````2T````"`&(`8P``
M``$``````````````````````````0`````````````!+0```'0`````````
M````````````````````````````````````.$))3001```````!`0`X0DE-
M!!0```````0````".$))300,``````I@`````0```'`````K```!4```.'``
M``I$`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2``````?_;
M`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01
M#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``
M$0@`*P!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!``````````,`
M`0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#
M`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"
MT4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6T
ME<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$
M!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,5
M8W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3T
MI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`]522
M224I))))2D#.<]N%D.K.U[:GEKO`AIVE'5?/_H.1_P`4_P#ZDI(EL?)\\P_J
MGAY[NBY>.ZW]G9]#K>H.+BXUV5-W6@Y#OH^K<[TO=_HK$^7]4\+!NZOF7.L_
M9>%C-OP'A^TV66-W5M9DM'N].ZOT_P#KU*%]4>IO?T?*Z);G8N!CVB?5R3#]
MEP]/(;C.=975O9MWMW_GW)?6OJ;ZNC8W0Z<_&ZABUC2W',O%=`VXS,HL?93O
M=N;]'_0;TSHYU8?;]SA'?_#^3A_N\7K?1NFOLLZ=BV6NWV/IK<]WBXM:7._S
ME957I?\`R9B?\17_`-0U6D]T8_*/(*22222I))))3__0ZU_UJS<>QS<NJIE>
M)G'$S[!(].EPK.'F['.]M>3ZOYW_`()Z*O'ZRXV(QK.IM?3?Z3K7Q66M]E;<
MJQC&O=ZGZ.E_OM_H_JLMJ];U&;%=OZ/TS(=D/NH:]V7Z7V@DGW^@[U,:8/\`
M@GH.1T;I#<W]IW;JLAUK7BWU7M'J%@PZX;O]/WU[*O3V_I$-6+ARC:0/GV:'
M_.L-S<C&?6-FRMV%:WW@NLIORVUY'IN>WW?97^E90ZRNU2I^N/3A0QV6'M<*
MF/NN96[T=[L?]I;*R[]+^DQ][ZF[-_YEGZ11HZ=]4'-FA["&5#).RUXVUU"_
M%%L->/1K9Z^95L]G^&_T/Z-#H_U>R\9V/TVX,OMKG'L9:]VTUT?LUE@:+6[_
M`+/B6^B]G\O]-^D2U168:V#O_O)7?6[!;>]CZ;654BX7VNV^VRAU%+L=K&O<
MZZQ]N736WTO\(^O^7Z4K/K;TNNP5O;<'26V^P$5EMPP+?6VN=_-Y+Z_H;_9;
MZM7J5H;>BX!V8W5[SE7D6>@QSMI;2[TGOJ<ZAN/ZK6WXS,FN^VOU*[OYK^;5
MI_U9Z,_<7U.<7[M[O4>"XNN;GV/=M>WWORZV6_\`@7\S^C2U4/>K<?5Q<SIO
M2J^LV].IZ7@`"JJVISZ''<ZUUK#58ZH;*&M^S6/];_K?I*OE9GU,^R7V=/Z7
M1D955+\FNHT-VFIC/M#<FUVC68[_`&,_[D>_^C?F+J+&=+QNH-SK+`S*S&-Q
MV$O)%C&G>QC*IV>QUCG[V,_PBK'ZL]%;CUX[FO%-;+:*V&ZP`4WB+\5OO_F7
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MI]?T_P!'_H?41?\`G=TKUO1#;=SG;*R0UK7G??CL#'O>UOZ6["R:Z66>F^WT
M_9_.T^I-O0.@93KW-9ZI]2QM^VUY`L?;7G7L]MGZ-_VJJFYS6_\`GM!P_JU:
MT74YV4[)P[Q;ZF-H&O=<]UK[7.VBYGMMMK]+UKOI^OZGJ^EZ:U1^M!`W'?\`
M[Y__T?557S,&G,%8M+VFE[;:S6]S/<T[F[O3<UMC?Y%BL))*<M_2<&ECCDY#
MMUM-F+ZMAK8XMLFVX[JZZFV6NVNM_2>IL_2?\,J=W1N@G:YV::A3%9VVUL&[
M99BS;[?Y^UGJ>_\`G/4K_1?I*5:^M'H_L>WUO2]/<V?7]79S[?Z'^L?2^GL_
MP7J>K^BWK)N^Q?:L[^C;OL3-WJ?:IVQC?S_YGH_S>ST_UC_V824ZUG3>E.^S
MTFYK&T5/JJJ::F#86NKM_1LK;^C]OZ2C^B?H*_T'Z!4G].^K`<V<FMWKO8PE
MII(+]MH:U[V5_H_5].S9_P!VJ_4Q_P!:]3U(6?8_1Z%_,Q^C]'?]ICC'V_9?
MSO\`1_TW_KO_`&I57!^P>[;Z$;'QL^V;HF[^=]3W?^I/M22G0(Z%=T^JJ[J8
M;1BENS;;5195+0ZFGU*?3OQK6XXV?H7TW/J?;^8@'I7U4J$G-K:TU[!5OI`A
MK3:2S';7_/;+7W^ROU/TN_\`PBR:OLWKT>C]FVZ[]GVC;&R_G[7^E^AZNS[/
M_P`+_P!J/L:L8WV#UJOZ+&Q\>C]L]3^F&=O\C=^]_P!Z/J_X))3LX+>DX=K<
MFG*+'Y3CZXMV%YV5/R33DOV>IC-QV.]?TW/951_U_P!XZ\'ZMN;D5T97K-S'
ML;DUU7>H7#?^CJ<UA>^JEGVRBEWI^GLPZ\2E_P"K5*OE_8]UV[T?I5_2^U?]
MR<C=O]/^5_0/^[OK^E^CV*Q^J>M7.V?M%O'VGG[0Z=D>SUM_\Y^9ZO\`-_H$
ME-RVKI+L6G$R<P6?8_:;K+6>J34S]-ZMPV.:]])_6]GI[ZK/TGZ&Q#QNC])O
MQF?9+S9367;7U/8X!YL9E.LEC7,]7U:__!+?49^D55_V3U;/YKZ1G?\`:=W\
M]?O_`/??_NQ]I]%:?2?2].[THC>V8]3GT:/I?:/=]']S_!_\+ZB2DV%@TX3;
M&4EVVU^^'$';#65-8S0>QK*F*RDDDI__V3A"24T$(0``````50````$!````
M#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E
M`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'
M``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#
M`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!T`2T#`1$``A$!`Q$!_]T`
M!``F_\0`Q@`!``(#`0$!`0$```````````<(!@D*!00#"P(!`0`!!`,!````
M```````````!`@,&!P0%"`D0```&`@$"!@`"!@,,"`<```(#!`4&!P$(`!0)
M$1(3%187(1@B(R0E)ADQ>`I!,D(S0Y:VUK<X6#E1<6(TA)0V)S5%1F@I23H1
M``("`0,#`@,#!@H&"P````$"``,$$04&(1(',1-!42)A%`AQ@>$R4B.A0C.3
ML],5=1<WL6(DM!96\)'!T?%R0V,TA#C_V@`,`P$``A$#$0`_`._CB(XB.(CB
M(XB.(CB(XB.(CB(XB.(CB(XB.(D0[!V6=2]"7?<29"!T45/4-E660V&9\"W$
MZ"0QZE)2$><&%9P!6-JP7G](/X"_IQ_3R&/:K'Y"=%RG=VX_QGD>_I7WO@X&
M1D!?VC34]@'P]>W3UG\^MQT[[DVY"D6RRZG+<NH5LY.DR>Q\Y;'%*_IU"I07
MCVSP<B4[<U(#BQIR$1!1"=$`OT"RBP`P#'7]EC_5H3K/ES=P+RYSY_\`B^W8
M,_<3G:V"_P"E@X)/ZOU`*JG5510%0#M"@#2:_9"P/<3?WR+25K6,DCC3PY,#
M^RN)(DS@T/;,M.;G5K7IQXP-.L0+DQA1H,_B`8,XS_1R@C0Z'UFK\K%R,'*R
M<+,I:O+IL9'1AHRNA*LK#X%2""/@1+.TUHCM_L)#`6'2U`6!8<)-<U[,5)6%
M`E&V'.;9Z.'!(2:J6)1'#2"/"$>0XR'`O$/CYL"QBH([#4*2)F.P>->><IV\
M;KQ[B^5E[<79!8BCM++IW`$D:Z:]?AKTD"656D^IV<2&M;0BCO")Y%%1*.11
M9^3]*ZM*E2B3.*8"HG`AAQA2WK23RQ!$(!A1H1!SD(L9Y200=".LQC=]GW/8
M-RRMHWG"LQMSH8"RMQHRD@,-1]JD$?`@@B2U16GNSFS3:_O%"TO-;0:HLN1M
MD@<(RB3G)&MP7IS521&><J5)094&IB1#\H,BR$/AD7AY@^,JC-^JNL[SC?`N
M8\PIRLCC/'LC,HI8*[5@$*S#4`DD=2!KH/S^HG2%V*Y+M=KELQ.]%MB6.81:
M//5+J[IAT"F2TI6IA#@URQJ9>M8D@%ZP#(RR](Z+1*DP,@P8I1$'8+QZAAAG
M)H+*Q1OE/6GX;<SFW$^7[EXVY7C9%.+9MYRZJ;3J:66U4U0:GL2T,_<HTU9%
M;3J2>K;G*GMF.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB(XB?_]#OXXB.(CB(
MXB.(CB(XB.(CB(XB.(CB(XB.(CB)4[?;_<7W1_JG;%_['YCRBS]1_P`AF$>3
M?\M_(/\`<>=_NMLTZ?V<#9`4[UOLG6][7F'/5$S`,CBI)YN?+BO+.,7.64*$
ML9HQCPSSIM=CU&0X"`'NI&/#Q%G.;6.VJE?E-!_A,Y:=RXEN_$LBPG(VW(]R
ML$_^AD:MH/\`RW+86TZ#W%FH/OQ:H.-5;X%S*&,2I2Q;6H&^91]O;$?FPILX
MI4CBTZ86X@DO!JQU='@2!W.\/.(Q0_>&,_CY<6;TTLU'QFB?Q+<(MV3R6-PV
M_&8XV]JMJ*H]<C45W(H'4LS]EI]=6N_-.QW3/7ELU4U=I2@V\"?J*^A#:CDB
MI+G`T[I.'7)K]/'@@>"RQ"3NLQ=%QY/FQD0"1@#G.?+X\YB+VJJSWSX_XK3P
MKAO'N,5`=V+C*+"/1KF^NYA]C6LY'R!`^$Y@/[27K+B,6Q4>UK`W9+:K091U
MA/U)!8O0!-X6G&NB;@N-]+R]?(H8::D+QZF?$B/_`(!#X9$+BY*Z$/\`.>-_
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M.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(E3M]O]Q?='^J=L7_L?F/*+/U'_`"&8
M1Y-_RW\@_P!QYW^ZVSAU[,^R(=;-^*D<'-=A%#K:,44A,QF'8)3A0S]4@*C:
MQ08,(RB2&R?-[0H-,%C&`IRS,>8.,YSCA4MVV#Y'I/G)X`Y:.(^3=CMNL[<#
M.)P[=3H-+ROMD_`!;EJ8GX*#U$[J+ZU:K+8F6:]2^?H>I<=<[>27!$O*26;U
MCJ@87="D9U8CLY+*;,2,UJ=S/``QC/9B`8R$(QYYSF4,5)^!GTDY-PO9^5YW
M%<_=*];=ISQE5=-=65&`0Z_Q?<-=IZ$EJE'0$RHO="[@R'0U@UU5%"3GNEHW
MI&$,E0&%%GJP4G$EJ!QM]S;2Q!,S[F!$Y-Z$C/D_1$X9'C.,@QC-%MGMA?M/
M\'QF"^9/*5?C3%XHZD&[-W*M;!IJ?NE15LIE]?JT9$7I_'U]1+9;.:TU/N?4
M336]C%)WJ%FS6MK*;UB0M,O`J!$I(V2`9*$T8LD823"+]:SG'A\V0H70T0<"
MSX8S6RAQH?29QS'B&R>0=BHVG=@+-O.1CY"D:-K[5BOH#Z:6U]]1/[%C$:RK
M?>#V/+UFT&N1Z;5P&Z7V4W$TE`@@R$HW+S8B=6WO1Z(81!&G5LD"2O#@0,&,
MY`<D!_1X^;%%S=M;'XGI,,\\\M'#_&._Y%-G9GYB#$I^![[P5<CY%*1:X(]"
MH_+.9O\`LZ'_`#`'G^KU8W^DU>\XV/\`RGYIX_\`PH_YH7_W5?\`TE$[H^<Z
M?2..(CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB(XB?_TN_CB(XB.(CB(XB.(CB(
MXB.(CB(XB.(CB(XB.(E3M]O]Q?='^J=L7_L?F/*+/U'_`"&81Y-_RW\@_P!Q
MYW^ZVS^98E5*42E.M1*#TBQ(>4J2*TIIB=2E4IS`FD*$YY0@&DGDF@P(`PYP
M((L8SC.,XYUL^/J.];I96Y6Q2""#H01U!!'4$'T,_H(:X=XC2N;4)44HMW8V
MNX/:KK`8V.R8L]'KD2]IG29N)12H'2D-QI)2-2]ICSTOESX"2FEY_#Q\,<];
MD*@LW6?47B7GKQ[N/&=BS-]Y9B8V]OBU_>*W)!6X*!9T"Z:%P2O^J1.:7ND6
MI.NYANC8RK5]F>KDJC6ZG1'-"^(D&GH/@\7(*D5D6%A*I-)]3"F4R`:(GT0Y
M5N"5$D"64,?@#''M)M<]O4`3R'YFWK<O+_D'=GX;CV;ALFT8&JM4-5]FL=]]
M^A(];'*#3ZG5*P%)Z3>!VO.[-J\GTJJ&&;(7U$*]M6K&X^KW%OERIP)<'B.Q
M')2:$/I`BVXT*E.9#CD*0P[)A@C%B,_(A>;QQB]5:O8`S=1/1GAKSAPU/'NQ
M;?RWDU&+O>$AQV6TL&9*NE+CZ3J/:**3J=65M3K-17?LWPK3:BPZ7K*AY\VS
M^J:TC3M+7J0QY0KRR.UAS!;[=T`RE*9-A2?$XTQ%9*.QC.`B>%!>/#.!>-J]
MPY4*>DT5^)GR7M'--UX]L_&=S3*V3#I:UW0GL:^T]O;U`U-5:#0_^ZP^<Q_^
MSH?\P!Y_J]6-_I-7O(Q_Y3\TXOX4?\T+_P"ZK_Z2B=T?.=/I''$1Q$<1'$1Q
M$<1'$1Q$<1'$1Q$<1'$1Q$<1/__3[^.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(
MCB(XB5.WV_W%]T?ZIVQ?^Q^8\HL_4?\`(9A'DW_+?R#_`''G?[K;/YDO.MGQ
M[G35_9ZY?KQ-3+RUVO6M:6E#PC`WV]7D@LF#05[=!-PA-\2G3`6_2AJ4*^D1
M*<LJI(C"=D(1*%AH0!\3!9Y..5/<I`^<]@_A9S^*[@>1\4Y+M&WW7KVY5#Y%
M-+MV_35<G?8I.@/M,J:Z?58P`ZF=6T%9M=*N*<$]9M5*5T0[&$G.A,%0P6(E
M.1J<(@)S7`N/E-X%AA`!YP`1F!9#C.<8\/'G+':/32>V=MHXGLRVKL].W8BN
M06%(IJ#$>A;L[==/AK(CG-<:&1MAE]AS.J]63&Z/,S],92\JZ]J=P6Y0,Z!4
M\O+BH,,:352Q1A*F,,%G.1#&+_ISGE)"`$D"=%N6T^,\3&SMUW#9=E]JJM[;
M'-&,Q[44N['Z=2=`3\S/YP]SV$3;-MV59B6.LL00SJ;223ML2CC6W,K#%FEV
M=5*MIC;0V-*9(@2H&)M,*2EX`#&1!*\PLB'D0L]<QU),^37(-U7?-\W?>$Q*
MZ*\G(LL6JM51*U9B5K55`4*BZ*-!\-3J=3-SG]G0_P"8`\_U>K&_TFKWE['_
M`)3\T]`?A1_S0O\`[JO_`*2B=T?.=/I''$1Q$<1'$1Q$<1'$1Q$<1'$1Q$<1
M'$1Q$<1/_]3OXXB.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB)A5DP)@M6NI]5
M\K*..B]D0J4P*2$IQA+/-8)@Q+X\\%$&#`8`!QC<XF8#G(18P+.,YQG^CD$`
M@@^AG7[OMF+O6U;GLV:"<++Q[*;`/4I:C(^GV]K&<$]M=C;N'U[/Y#%HE3([
M9BR!<?\`'+`A\KA"=HDC,(\T*!<-L?Y.U/3*XC(!CJ$:D@(B#?'`!FE9`<9P
M338#H!K/F7OGX<?*NU;IE86#Q_[]A*Q]N^JRD+8FI[3VO8KHVGZRL.A]"PT8
MQO\`R;.YA_PIRS_.VL?]>.1[-G[$ZG_`+R__`,DW_P`[C_UT?R;.YA_PIRS_
M`#MK'_7CCV;/V(_P"\O_`/)-_P#.X_\`71_)L[F'_"G+/\[:Q_UXX]FS]B/\
M`O+_`/R3?_.X_P#71_)L[F'_``IRS_.VL?\`7CCV;/V(_P``O+__`"3?_.X_
M]=.A/L>]K2Y]399.]C=D69+"IY(8BIKF"UR!W:'YT:&!R=F=[?Y1(EL?<'1E
M2+'(QB2)T*4M0:>43E1E0$H0@`YR*:BA+-ZSU-^'/PQR#A&=N7+.6XZX^YVT
M&BFCN5V5&97>RPHS("W8JHH8L!W]P4D"=(7.1/6D<1'$1Q$<1'$1Q$<1'$1Q
M$<1'$1Q$<1'$1Q$__]7H%4]Y6YVO=9/H?(M+X+&KA4SA!!B7MYVO>$]?'*WE
ME(D+`\)W@O5XU\.9I&SK$YJ'.&S"H[*DHO)(3!9"&Q[Q[_;[!K^7]$\QOY^Y
M!3Y#7QIE>/L:G?CDK2'?<F%!+H'1@_\`9Q<I8A4I^[[CW*.T$Z24^X_W5[+[
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M5@_S@+R:6$)QE8UTZCK-A[7=N.1M^)?NV#7C;DZ`V5):;EK8_P`46FNKOT&F
MI%:C74#N`#',>3.?/@=3'0EK<C6-&@<7HI`L,:&]U<E#,UKG0"<P3>C<G=(U
M/JMJ0*5>``.4E(5AA!8LC"0=D."Q):O-RTW-C5J^0%/:K,44MI](9@KE5)T!
M8(Y`ZA6TT.I;0_NDO&Y6R=Y:V2'7M'43_135)U#X_MUP&64WNSQ$YZWP)S;$
M"4VK8`:4C&M5C.*5",$(0"\8R3C(_$-JNWO9E[=-)H_QIYGOY_R[DG$<KBRX
M&5MJ6%W7*^\*S5W+2RJ#C4:#4DAM?0?J]>E_=H[D>=>]>;=NN/0-ULYZK:&.
M<G;H,S#.*6/RA'Z8<%F'IDC@I3-J$!N52TTL@XPI&0:,(!9#C&:V/:I8#72;
M/YGO^1Q;BN^\AQ=L?,R,3':Q:4U!<C[0&(4?K.0"0@8@'20QV[]M)1NOK%%[
MXEU6K*F=WIZD#-[*8>L6,KXD95)12:5Q-<X)$2Q9''4)V2PB&#/D5)SRPC-"
M#!@HK<NH8C28_P"*N<9GD/AV'R;.V5L&^RQT[-24<(=!946`)K;73J.C*P!(
M&IO%RN;&CB(XB033&Q]4;`.UO-=5/^9.32=CGU5,7M*46)A43)"Q,[V[HX^X
M%GF^[)683QA$H/P`LOK4YP2\F%A"8.E6#:Z'TF-<?Y;LG*+]]IV7*]Y=NRSC
M6N/U#:$5V"-K]03N[&.@'>K`:@`F=N53)8XB.(F&6`X6`U11S7U?%(I-IJGP
M0-IC4UG+I7,?<L>N7A86JES/`[*6MIX$F1B(QAH/`<=@)8QD@%DT$'73H.LZ
M_=+=TIP;K=FPJ,C<!IVUVW-0C=>NMJ4Y!4Z:Z?NF!.@)4'N&D/3?O&W?O#9T
MYJ6I-*H&QRNO8HZ2V0BL#;5R:&O"9K>F^/F-B%9']8)28I=5+JY%EE>)0$WA
MC(AG`#C&<V4N9R0$ZC[?T3SKP'SYR/R-O&Y;'L?CW&KS<6AK7]_<V5=%=4[0
M4V^S5BS`#H%^)8"7/J/<_8%^V])U+OO41#2"QVJF4VO$[*8+Y3VU%)@TQ9^8
M&!8E9"D]4P<TLX"M]QE0!6:F6I`X*$8E]-028*L.W?V,FG3YS8&Q>0>49/.U
MX/R;@J[=8^%9DU9"9HR:[5K=$(0#&I.NK_4&*NO0E-'4G9!RY-M3PI.HDR2/
MNRF&-#$_2DE&:-B9I/(G")1]Q<,>'HI7:2M47FSBRHS/Q\QY+2O&#^X2+@ZZ
M=/6<;,?,3%O?;Z*K<T*>Q++&J1F^`:Q:[F0?-A4Y'[)FJSM[=T9?O-<EYTVZ
MT&EJ)THY$(QR=T5LF6.B?5Y$I5Q98D2$'5C7YR-*4H1B-+/'DP1@,XQDH&>6
MJ[>\L.W32:5\6>9K?)&_\DV"_C"X%VVK]3#)]\.PL-9`!QZ"!J-03KJ/@)MP
MY=F\XXB.(CB)IXUZ[I\KM_?:;Z&3C6YFKN5P$,Y"\SR/7BIL-C5*(8F3*R\M
M32MIN`+3T+TF5@&68<:G.)"+P&3YL9#BTMI-AK*]1]LT+Q7S1F[]Y-W'QGN/
M$J\3-Q?>[[DS#>A-0!^E3BT$AP0025(^*Z])=O=#;FO-(Z#DU\V,B<WEO:%;
M:Q1^+L@DY3O+):^&&ELS"B4+!!2HP&!(-4*5`_/TZ-.<:$LT8`E#K=PBEC-B
M>0>=;5XZXQF<FW:M[*JV5$K33NMM?]1`3T'H69CKVHK$!B`IK#/MI-]*AHX[
M9"9:J4Q.(2BB94YE585;=DN.MR`1<YL]X4KU![]5I,0G9L8;Q>=U)0&HQ`P6
M8)-U(`Y'B@M8%[B@T_+^B8=N?,_)FQ<<;EN?PK;\G;EH%UF/C9=IRJ:RO>6)
M?&%5QK7K8$*Z:$IW@:R\VNEFK[KU]HJY71L2,CG;=-UC9KBS(#CE"!H7SV$L
M<J5MB)0HQA0>D0*'4118S/TQ`!C(OQSGEQ3W*I^8FR.*;Q;R'BW&N074K7=G
M;?CY#(I)56NI2PJ">I"EM`3UT$F3DSOXXB:O.Y[W`)WH+$*=DL'HL^Z3;+GZ
MB*.(!NKLT(&@"-,A/2,Y2EH8GPW,FF!JT1+9@8,AP),;G!)^<>3%JVPU@$+K
MK-->8_*&Y>,<#8,O;N-G<&S,HU-]3*JZ`$*"J.?<M)TKU'\5OI;TFRN/.A[V
MP,;TJ:E[$I=V=L=%#&ZEX*=&8]P1$*S6IR*#G(2U[<8;DDX./PP8#..79M[%
MN;(Q<;(>AJGLK5BC=&0L`2K?ZRZZ'[1/8XE^.(CB(XB?_];8S_:&ZC?Z<O[6
M#>BN2?;'@2YJB[N]$$B"2WV353N5.:T=UQ@#"QG.+LTY5$@\H@YPG8`X\<>&
M,\XF0.UE<>L\-?BHV+*V#D_#O).TKV9'<M;.!T7(QF%V.Q^;,O<!_JTB9IW(
MTZSNBT-:-^U.X+5%8Z=Z_5A8T>:4APS$#_:UM-49MR[6Y>:F)-PK6T_0(6H!
MA8\%F)'1<I(,`$6!Y+FS]ZI8>@'Z3_!.P\MK9YEXSO/)]CM8[/L&UX]]:@]'
MR<E:\K+5B`=3BX7M@@Z%;'=2`==/0[;>P!FYM"]OW3Y8MRZKZ/MJ6V#>9&1=
M0,-1:JA89/1S<\M@O`H<=D$^LF'MI(C?$DX4;4A\!B`(OBMN]:T^1Z_D'I_V
M2[XDY0?('&?%_`[+.^W;LZV_,'K_`++MO99AJZ^GMO=D8M8UZ'V']2")>':2
MQMICM_F.O[*E$YUX[<S36RY>^7W#YY&J:9,S)3#71V3N,LMM\3*%N%Y4K3A9
MDK`C5MY@@"+7"`:669Y[C%_<`/2O3UFQN9[MS1O)^-M>[YF3M7B=,0L^;5=7
MB)[IJ9@UN2X)[A:/:6E60D:6$$`ZZW=<.Z1M8S,'<WA#%9`]FVS6V%3R::YV
MC)6EK=Y(*.L-MH:Y0RMR4,#,WDS)C^)2(J2B$N*&$OH!!R(*4P0"[2VMI:-=
M0/2:EXEYFYKCXOF';L;=_P"V*=HQ[K<#)L56L]M,D4"QBB*+4]IQD?6#IV$:
MA"0)HT4VI6;0D:OYK7?JW3=E4ME0MXVNU\O%[CR-DM*&I7#"Z?9IHHV))6E$
ME;4Z;)R)KCRXH\YG+."N2A.S@T55;=W;HY[OB#,@\:\ULYDO#?[(\G9QY<N7
M4VY8.8Z!,BH-K=]T'M!0%`U2NAP34&%B!OJ-)^W;5]Q6]W(NX?"Z>OMRUU7+
M%]Z'R*>1N(M4JF"AI+OTHI(QQPY[5DM\:RJ>CTYZI>$HY7TR81!&21G9/+HJ
M!-E@#:?^,UYXIV;?]^\M>5-OV'DS[38S9ALNKJ6RTK]]`"5ER%KU<JS.`6[5
M*KVENX2-I7W`]PK:[=F_[[*+XFN;$U0::KGM8V>67&7"9*"9J.=(7"(2M7(8
MV])I''BC8@$\)AY>7+(U(@]5@`"PAE+':NS5NHG;>/?*//=\\4^4,G-Y+D?V
MKLB8UV/D?NVM(N]X-587K<6(#5KJ1[FK$=^@`'U2?>G=/^4+6NW:/9F?-USE
M;-2.KG=T2,E:B:9-$W)([JDA3RTJH(H`%>PFL)>$9R0:;&"SSL'!.R(L10N_
MLA^XZZRO,\D^0O\``G:.=5\PRDY`-XLQV8)C]ME3!B`ZFD_4A0=A4KT+=P;4
M$>-M]L]W!Z*UDT-W7*W/E;K(+ICD?$OJ]LA<<CU<)4Z"&1Y[2JG]K(RK+G#U
M)!)CCWL]<7@L:M88%`6A2A+(##M8J(_?ZSC\[YCY2XWP_P`:>0U\@WOE;A4G
M=CK56E`"U(X+J-?>>S0FYG&A9R*A6@"BY5G[I[$;&=T/7'2-LGLSUVHV7UQ%
MIW,%U:'M[)-)\O?=?76\CRVF?K4*IZ;(^!>07'"^@RD-P>0J-SD9WH^E<+LU
MJIKHOZ-9G^\^0N5<K\R\3\=4[GD;5QN_$KNM..52VYGPFS#VWE2ZIW`4#L[3
MJ'/5NWMK]45T;B7%M!W`])WW=J]TM3:W5_L3)(S(F!GIP%CO336\O119LC#]
M:BRM'":H792&0I\GN*%:F4BPA4`+"3ZV,D4@N7L3O.@UF+[%R#GN_<R\H^/,
MGR)N:['M&+G65V(F+[[K1:*UK?)..UP8]ZZNCJWT.`%[OIB_L[V:HU=T`V[W
M&4SNPU#/2T]=RDU&(EL)1598,ND$&@\<ARJ7'K80X3Y,NS*),A)]5N>TI)91
M(!=*<+`@&TTGM1WU]/A.F\"[PW#?&'.N?/N>4:-OR6`PP:1C7VO3374;2:6N
M!]RQ!JER@`#Z&.H:<&6^=U9EVO+`[G>=IK);KQ9;,,>([`V7$624:BK5LLZ.
MUJY0U15RU@5,R[)?4K%V%RD9[B,!!1?K9&,X9U09S4;.X]VOYID>/R;R%N'A
MK=/,7_&F6G(Z\SNKI3VQAC'7(KQVJ..4*'U9^]B;"`H[M2Q:#]ONZCMB^UYH
MK?M"7'(:H6;)1Z:-=DUD6U11W@#-/ZKF[%`7)1',O447R=*PR58>:M&4)R5C
M`G.+`$P)H#/&E[6(1E.FLQSG?FGF^3M7C;D_&-_MP;-WJM7(Q^VMJ$OQKDI8
MU]];6!+"2Y'N,0I`!#`RQ]T7;O-I1W2=/ZGE&V\COJ&;-NM.H+`C$BBC''(4
MWAL6V%U:2=MB$.:PGI(VC90>FN:%B90!?D>`DK!*`%C$HK8NEJ`OJ#,LY!R+
MR1X\\S<#V3-YS;N>W[P^*M]=E:5TK[^2<>Q:JEU%83H]3*P?71;"P!+=1O.3
M/9DX2^T;8>PM8[$[F2C6BCFZ^[)2TW.,HXDXS9%#BT)9=G1TXIZ*3JT9QLP.
M1*RR_!F3'H52_&?2*4%C$'/.%46#.574SYL>#-UY3L_*_(&9Q#CB;GNZX%VE
M37"K3_:$(<`@FT@Z?NE9&?T5@2)NP#LZIUF[.M&[EKX\W3#8AAJI3#:XD4H2
M*%A[9++LG",B4*7+.#2C?;/-'B')6F%D(59K20G\P/-@0;W=VTJ^GU:?Z9Z&
M_P",7X?X$XWY`MQ4R.5U81JHLL!)6W+N`L+=0>WZ!8R].XUJNHUU&OXSN+73
M3M,:>;+0S:BR]B;EFDJ6J]M:!?"$[Y##88]F*G)&W12*-L01,]?J(^V(,)"E
M;4N(-Z]0`1P!EY,3AM^XRJC!B3\1-7GROR'8./\``N7[?S3,W7D&1<3N>$X#
MU>T^K!:ZUJ"4%%':&K<'O8%@1JHL!K?L]M%W2-^[V8(#L_8.N>N%#-4@=:Y0
MT^1#S%,A-0R9/$X4[2LN1LSVAF"64^4]X7IEY:Q"`DL*,@)7J84<J5FM=M&T
M43*.)<QYGYF\G<EQ=LYEE;3Q+;$=J!BBK5]+!52UGN(XM%GU6NKAD``K4+KW
M2BW:XOE?J9,>ZO>S\6EFDDJFM79Q"#HC&MLE,Y.MU<P,N52%&>:<TLKQ+W)/
ME2`HT8DR4P?D%G(,9S14W8;6/J)K;PSR:W@^?YKY+D@9&7A8C-Z=JV7'*9$U
M`)*H]K+W`$]JDZ'I)%0=Q;8$.H41VXC^X$]EVY"R]U"B3ZYGM)*VGC:<3NK\
MS?$DM9M43+:$Z<1:5*K&YD+B'8*=28'J/6`2<"?<;L#A_KU])VU7E?E/_`F#
MSG%YYE7\^;<R;,`J#BG%#.GM#'6KM`Z*QL5Q;VL1W=P5A,%S[R;NO_<=U]I[
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MYOJ[2=`[:O>RE$W<^U1!+?A$XL.,W61"9U/[*7U[)$#/836V=8UKXV0L1N)2
M9(KP6%6680<'IL@(*&PK:JJ^JF6L_P`D;EQ7S#PWCO&.<6;OQK<;<:G*INOK
MRQ3=?D&BQ4O5=5:L%;`JMIW`JP[-%&(:H_\`]&&R?_7<?^B\=Y"__(:<'A/_
M`.K^7?\`VOZ.N;H>ZQI3(-[M3G.IX4[-S38<3F3):=?!>3S4K*\2:.-$C81Q
M]U6E8'E"4\Q^5KR23Q`&42K$2,S&"\"&&]:G>F@]9Z!\U^/,KR5PB[9-NO1-
MUHR$R:.\D(UE:V)V,1Z!TL<`Z$!NTGIJ1S54WW/NX/VV7]KUTW-JN06%5[:C
M!'`P2WFS*25)H8B"!G4%UM9@"ES/-XTF1?J"@J1OC684`*<@].7GS!XPMLK^
MEQTGD78/,?E+Q'E4\4\@;+;E;,B^W[.4NE@J'TG[OD:%+JP.@[C=60`JLHZS
M;S;]Y7'+YUH0V:Q&2NI>U?)J4B;W/[=A,@B-4!@C&D3R:,IXC*;/E7N8JV2U
M8P,[0(:$D].H<SQGHR%!J@L`R+Q8DU]O2K2;VWWDF_Y^Y>,J>'&_!\+7;=4]
M^52]6-[*`65BJS(L[ONXQD2K5`RM8Q:M69@"L#Z([JW'97<%V)TC:=FY=<>N
MCO%[+^E+A4N41E=BPX;&D:53#*HQ89D=4I)<60A5GDX]S3N"90<42H\/\?A1
M2CL;&0-JLQGQKY#W_=_*/*_'5',+\_BEE.1]TRBU5E]78%*65W^V1;H"1^\5
MU8A6_:[L8T9W?V0B.X^V.KV_VRT]5'U+65OGQUZ;T%>QQJ`;6J)6^2*6-:=+
M"BUZMS5UJ49(V(1IN4Q1"0>3R3LC`$,([!W6QCT!G#\;^1>6X//N;\-\G\OR
MF;!P\HHZBBM?]G!>RU0*NXL<?6^DD]H53W*VH`CG??9+?_4+5G3&U"=K;>1V
MAL,3/I+.8](FJH7!!%F0Y+%I+`HN2F2U0T'$R&.1F2DI7<X0Q@4.03Q%@+*]
M,`(L9T1#WG4SJ?)O+?*'!.%^/]Z7FV>N\[J+K+DL7%9:T(KLIK`&,I#UUV!;
M3J0UG<0`-`)4WQVMW3J/N,Z?T+2NS<EC47V1CFM+^O9)9$X)+8G'Y-9]LOU;
M.A`&XB.,<B7P\PJ/$*U"'+J6K,$>H`4K)"(KT9=G%B*&]=)W7DOFWD+8_+'`
M^,\>YA=3A[O5M[LEM5-M269&2^.P[16EC5?0&9/<#'5PMB@KV^A5VR.WVMW>
M;2:;SS92=;*U?.4A0GA-.VB.MJD*M\IHVQD:R*M3.0E:8FN:GY#@@I.@RF;S
MTA@@F%8&+!I<AG6X(6U$N[-RWG?$OQ`)P'<^79.[[-DJ.X7+6IU?%-X-:H`M
M15QVA4[4*D@KJ>X1AKMMAMCN]37<MV?F.R=J4L^ZO0%9-J2J^K%[)$X9#UC9
M&;-F06*8LJED.63DM:&$)VGS.QAIWF.4F?B;A/A/"L[K:Q8C3TG3\4YOS?R+
MQ_R]S+/Y=F[?D[-BF[$Q\9DJJJ*UY%O9:A0F[7V5J_>DGJY_6[>VO0^Z7O`E
MU-H"VK/OVSW>%W+LC(:YN&5P6O*;BDR@<"I[,,>WQDJB11Z"QQ&DE=KQ>QCA
MEFNHCSR%<3_9CR4ZA:`5/NOV*2QT)Z^DQ4^9_(R<'XOOF\\GS+-OW#=WHRK*
M:,6JVFG%]IW3&L2FL"S)KO)!LU8-C?0RJU@.QA'L;3`X]([W%W4[O5:/$-<+
M;2F@J1I,[(L-NJT,]&HI9>,$!^T@)):UHBG9(YFD]:/V52`IPZ0)JOESN'5O
M</9_#^2;8KY9Q\XN7R4^:MQ;QR$J4*+!]_3*(NUQ&_<_>=+5`M6PCO/M.!;V
M!GG_U^O'ND:O+-N-);CJZ/M`WJP&QL(L.KT1'3X7*I[!AC=FYI;AJLA3EKI2
MV86,P!#$6'&''/B,&/$6+=J]Z$?&:M\S<-LYSX[W_9L6CW-T1!?C@::FZGZE
M5=>FMB]U0UT_E/4>L_?MTZDH-8M&JLH27L24;^]Q%<_W(U+0EJ0+YE8Y)CC+
MV)T\@QIE9;(C7%L?B#]6:F0`S^EG.1"5IVH%,J\4<&JX=XXV7C.?C#[U907R
ME/7NMO'=:C?`]@84].A5!^64T[.O;ID>DTIV_D4Z:#T[@_VTJK2IG1Q$08M>
MJ3A2A4[,DQ392C,*)2SP]_3Y.*'GU0'L_AD(,8\1T4UE"Y/S_@F`>!/%&7X[
MS>>9>Y4$6VYQQ\9FTU?$I)9+1IZ"XNNH/4&KT'QJ=MEKYO2M[O,*V"=];I-M
MYK9"E[2KJ:"!E<61U\P(W*N<1L>#0RQ2)AAC['++%E_4G+4P<*CT9!N3O3R4
M(JEU?W0Q759@_-^+>2;/.VW<IOXE=OO$<=E.-3[M8H0-1[?7W3V5/7D?OF+K
M]113W:=I6KU(ZY]U35S9/<^TZ]U0<'&>6ZZA`T/K5)J_>JXZ*5[*5]/)0VMB
MR:ED%RZ-2F%8<&<X_HD2]L1JS%Y@$AJ0?I4*MJ,Y"=3_`-\PWCO$_-7#.6^0
M-ZVKA#/N><_TNME#T:69]%UBJ;M/=KLI[ZB>Q'K5C:16R'ML9<?;_361MGJM
M=>K>C]U:KR&`V*UVSLEA8*OHS721!`GQFDY;'6C='["=(^\V$\J6@]$VACXV
M]F4Y5D&*<DXRJ/2U&O5T94(^<RS?_%Z;OSCA7(>&>.=PV7*Q<M<G/U]BN@+2
MZ6=F.J7LCWN5*5^P4J;N4OV_6R??VU=?]N-:]X]L]A[4U'N)O@UW,5PNT23M
M3M3[H])W!VL,%H,D?=TN+13I4SD\H&T3<0,LXY.%S.*"886G$-06J5U=F*'0
MR[XBXOSGB/D?G'*MZX-GIMNXU935!6Q6<,U_WA$8?>``SJOM@@E?<*@D*2XJ
M+J-I!O11&IG<'HZ7Z@6NLEVTD$J>.UTJ8GZH%;,B<H4[3L;O\G5++-0*6]*-
M),"C2AD$J1#]`P.0XSD'FI1'5+%*'4B8+P7QUY(XUP?REQS/X)G-G;UC8U=!
M1\4H&I:[N]PG(4J-+000&UT(T]-?;=M,]XUW:HB^DY.GMN8MEGV95VJK=#'V
MG@PK,/&T/H2Q$NN+/$Z#>3%[R`K";*'!>`EC'DW'Z`1NU_:"=AUUG(OX!Y'L
M\*8?CM>!9W]N5[P<DMWXOL^UVOZ-]X[N_N<#M[--`3W>@,G[LZC;E7QH#H%K
MM!M4K5S8E#QSHK&+=7BIT;0VJ62-)8<44B7EV4I,<,O!R02Q/D)6,!2"#ZN2
MS<Y*Q+J[5UJ$.HG<^0^"\_Y+XP\8<4VWA.;_`&KME6E_<V,%4I6*@`WW@]W<
M1W+H/U=.[1OID1;NWW/HKN#J*UVEI]/7ANH77>`.2")5M,3:SV26NP8_\?>7
M%]N:D3)E.8W&X9)3S^@:&UR0DJ/5`I,4%Y6!\D.Q[TU0]!^?^"=%Y%Y-N>%S
MS@M.]<#RK*MLVJAEJQ[?N^>6[.QV?+Q/=NKKJL+=E5=B!M0Y8>X-+4Z&;B:B
MR&>6GJ16&ED]U(N_:2&V"G;938LPEEDN=@2DZ'2MZ+3SJ<V)ZEB-Z=4(2Q2G
M$+"U&:I&9G/D.,QD==;IJ4"$,9FGC/GO!<K<]ZX-LWCW*V/D>]8]X6R^VW(:
M^PU6/I==?^_4'ZF7]=2Q/HQZPWHQH=O.?K-LGV^+7UV25+7UR2\R8RB^9^_M
M3N@8E<=86[XPS0F*1ET4#ESLHL.%L:L#F4K$WI6T"L60F'"2^-*5V=K5E=`?
MC.@\;^-/)#</Y=XMWOBBX.U[A?[MF;>ZLJ&M%]M*:JV/NL;ZJ6%@;L6L.>K%
M))#)KSNS%.UI/^V4/5FPU=U/-H!8X[8C&Z0<^DUM=N-IL-IN4S6V`NE!124H
MTAM7-V49J1,L`!0G%Y,'>H4"0KBHU]OU:SM\?BOD3!\,;IX?/"\IN0V9O97>
MC4G$-#9*9+6F\V#0$*Z=I57`93IW:J($V[[7&U,=@6C%#T?1TVMT.L4?E[S:
M-C-3Q!&N(RJ;VA,X_8;XB@N)),VE^4ML?5IU#>`:MN;_`#`)*%Y1#$8+E+U,
M.P*I.DQCG7AGFN)MGC?C7'..9&>-GJM?(O5J5JLNR+4O<4^Y:KE4(9`6K3H%
M.A))EO>X71>V-[=Q32_9>L=3+=>:TU[+U^E4O&M=ZE;'Q>J8K,(N"2QMH;3+
M*.),=8XUN(&I0,TXL@;RG4EDC-2EDJU%=@9K$8(=!I,[\I\;YOR7RMX^Y?L_
M!\^S:-J&%9;JV,KL4R!E65JOW@CNK5A6Q)"FU7"DH%=NAN<SMWA\`4S5IK&P
M+`=RD*%4GKB&EQ'YPK4+L$_N\.)-+8Y%25"`9O@I$-TP4#`!9`(SPQYN03H-
M=)ZHW+<K\#:WW&C9\K*O"@BBKVO>).GT_O+:ZP5U^K6S0:'0F<O/:/UFW1TN
MVAM6T[JTZM[,3M6"O,73GPM_I]_51UX<IQ'Y4G-=4KA9;`,]F"D;3RAGI_4/
M";Z?@GR`0Q%<:I71R60Z&>-O!G$/(/C[F6][UR'@6?\`<<W&>L&I\5S6S7)8
M.X-D)JFBD%EU.NGTZ$D;M]^M'6[9;1Z=:PU,F980YH\-DGJU"(9R&-))5')!
M\E):5^2\'B3-LB]98C$;Y1A2F+,'^46"O)F]8G<A43T3Y.\<5<O\<[EP[8TK
MQKE[;,8=16+*W]P*WKHMFK+KU[2W=H>W2:\^WK+NY_2]"Q/2UWTL'')3`ESY
M&XOLA9$X9,U5$(@XR%T=C'>1QF/*%#I8*N(C<ADMB%D<B@O*<)`!GI0EFJ3+
M=9M50G9U^<U9XLSO,?'^,X/CV_Q[[6;C,]=>??<GW:JIG9NZRM"6O-7<16E-
M@%J]H+(`SF&=8=7-O^V-O?L)(87K++]G*-O%F?4<"?JT?H6PY;U3E,$LHAZ:
M5J)6\("(L!@P<H;'42C!9'E,PM3B.+*](4*KUV-HNJF8]P[AG//#ODOE.5M_
M#[]XXWN5;BE\=ZD[2UHLJ%AM<"OLU:NSNT'7W%+`=IA/3[MD;G.;SO?7UZT0
MHKB&;<P>;1AJM(%@P)<P0F>L<U66)#'15%DTA%8;_"G25($I.#R&PLT:86!"
M+P`9@BJ4K?\`>!ET!F/<#\/>0+LCR7M?)>-'$V_?<:ZM<GWZ2E-R6F^IC6']
M]ZFL"C45@E>I&A)6QO;=%W/M)ZZDVG+MHXLG0R)P_.586X[6;'&"IH@.380B
M<%,K=6TIY4OT%1+@FO(0MH@O)PCSD6"`G"!Z%5?NH.SLF6>)#YC\>;3F<!O\
M<-DD9+MCY39%:8U7N:=QL9>\O2&UM_=_O3JU?:&([<0OG6K=ET[LE,[;E:TV
M!9<#J+ZC8YS+XJ=6,8+G;A#F`QEG,RK^)/=HJ5B)@7KUYZMK0N"LE2(H`2C1
M@SGU>0RO[JOVD@3@<FXCY$N\W\?YRO$,K,VS`^ZI=;6<>OWFJ3LNMHJ?()",
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M2;V%C?2E/N&Q@I8MHH[K"'[E%@]4]=MOF3N_S?<>?ZG6A!:BMAQG*`M4N?ZJ
M=5\/!+V=N;6YSDJ9JL`\T36E/;_%2)$%4>6`>,A*'X9QBI%?WBY0@&93PGBO
M.\?SQN//MTX1FXVQ9SW+JSXS-5[JJJM8%O/T@K]79W$`]%,V<=R]AVA.6Z=3
M[4RM%]I634>R1L\<8XG<VM@;5<+)J>Q&:7M+W)7Q8WL\?1RV/.JEG+//.#D2
ME>665@9HP`%<L[OH*#4@S</E[&YDUG`=SX/M#9N[X.[FYJPRHIJ&->EJO8Y5
M4%J,U0)/5G`&K$`UZW[?;#WRU9>]=(+HO?Q5S31UB`6MQNF$QF$0FEW-O?VY
MS?YEBU%\D4L2_+>T-ZI&7EA/5GN!*O)?IB`8,@<6:V)VA#K]OPF+>3LG=?)?
M"\CB>V^-]T'(,AZNULNFNFG$975GM^\M84;M564>R6+AM-""5.M6^^WINM35
MRZ#PYHIU_P!RM8M<(;6AB^`,CXS)*_=I^3,'V26T0Z,$C7($K><[/3Z(:1Q=
MD@TJAHZ9,H-$60I(*M-6X:L:=RB:BY-XL\A\?W_QE@4;!;R#AVTX^/W4(Z"A
MKQ:]F2&2PJ%+.^JV6J5:KL1B0KJLT:VZR[Q5[WCI1LY.M4E[7`[2,>CG)RC<
M_B;M"J]C]@L;"`T2N6'9;`O[Q`T90TJY"B18&L<DQ@$7J)1%*AU*KBXL5Z&9
M!Q'A_D;:O/F;S'<N$LFV9I<LU=]34T)>B:ZVGM[VI`*NB)JUBD5ZH5<V)WS[
M6;SL7W)M6[\CC*,VJ984!MVC6)U):5.4W5>A&J0)GH(32G!8GMV'F`B(PD8-
M`$E-C!N"RQY%F;*NZQ6^'QF5^3/#&1RORYPSDV)CZ[)>.W<2#H`N.-5#^C$9
M56F,=-1HOU:`ZS&^_3J[LSMN7KM"]>:+F5D!KX<[E$GE"!T@S5&TV9:%@:FU
MA3F/\N:GA2^)\1@U0IQA'A,6G4)\@.,&,P!2]6;M"KK.)^)CAO,.<CBFW\5X
MWD98Q?>LLL5J5K'N]BJ@[[5<N/;+-]':%9=&))"UUVSU]W'O;?\`TAVFBFF=
MWH*_URCVL:"=-;X\4JGE*U74UOOEERTN.HD=M+FU:##:^82I!'JTV#U)(O'T
MR\A'FEE=K$8(=!I,3YQQ?GW)?*'CKFF#X_W%=KVFK;UN5VQ!83C93Y%OM@9)
M4_2_:NK+JP/H-#)!L37';%Z[V,8W1:M6K5545&Y+'&%2]B=:K)=EC>UU:=6*
M^5(6<5C9.&Q8=%.5I.#!%JS&\'FR0`X7HXDJ_O!^P]L[7=>)\WR/Q#X?D&GA
MF:>-4W5H7[L8,57'..U@7W]>SN/>-=&*#7M#?3-5\%V=9'.U-NY'L1V^[/M=
M9=,^6LDWC&LUPVI2M2-J>.K!*%,&E$>HQ`F8[67B=EACBK=WIS<C%:@X)X20
M9-R:.T&U+EJR=?E^B:6VWF./=O7.LOE?B[,S;-PRBEU>WY63B8RA#J:;$PU"
M9+=Q-C6VV6%F(8*->X[5]?MO:^VSB-8TAKMV_GR2ZEU2QVG&-Q=60L=5NXX4
MHD2V"+J-L>&N\T=(TOETJ#(&R5^9.2K;WQ08!Q5FDG*$J(_-U7#`*M?T#U'^
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M'%*CCR7Q&E=<%B&5^!80#-`9;-?UEU;0F:ISO&5U7,]UYWQ;E-^W;WGTI7DJ
MU-6318M:HJ$(_8Z,`B]5LTU'H`6!S:'Z8^O>T%V8OVW)!?-OU5')!&JK-.B,
M0KF!UXGEJ##=*G9AB<71GNKA('Q&,TD:AV=W(L@DW(2"BA!"/$A/J#,=2)V&
M!X_[N2[;R_D^^V[GOV%4]>-K55130+1VV,E58+,[C4%K;;`H.B@$`R[_`"N;
M&CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(CB(XB.(GPN;<E>&UP
M:5P!F(G1"K;E@"S3"#!I5J<Q,H``XD0#B1B)-SC`@YP(.?QQG&>);NJ2^FVB
MP:UNI4]=.A&AZCJ.GQ$UF4+V_;8U.B0ZHUKW"D$2I8F1NLA9H78%)UW9,BCX
MWY7A:\HFV<$K(<<H(4*,B&5E:A5B)&+_``@^(<VUK*#16^F:?XSXOWOA&"=D
MXCSRVCCPM9TJOQ*,AT[SJX6X&HD$]1WHVA^8Z2S>M&IL&UI46G)VQ]DD^M2]
MI>7.[GM:8A84TBG$B3@6`;BL-,39H[%H_'F$+DJ"WH$2(L*<"@SSC-&+(\U*
M@74_$^LS#B'!]MX@V]9E.3=E;UN5_O9>3;V"RZP:]H[:DKK1$[F[$1`%#'4L
M3K+3<JF:3__1[^.(CB(XB.(FKKN!;E6)22JOH-0B=F72<%T:R-MZRMS+3N#?
M6M;7-><0K=HC:=">F5IUEBVB4Y.`D)`\!"WLC:N7&C)/&U!5Q*@-?683OO;F
M_FOD1L;::MY;4J"L:BG5>L,7U=>*Y')Y5L+%Y'*89"G%2LMA!+O<89.I7)I8
M>3&VIL:3L`*2I,*\FGJS22$``Z"8!NCNQ:E?[?1ZA";U>-(:O7(8#&8Q>-FZ
M92.YZ@NBU9P)R='.-,EP+9I!X1!\1)H,:$83C1.!)CFM6!6=(6B#E0@#IKIK
M-A>[\UL:J-/MB[:JN7E1:?4S2=F6VQNKE'6>3HG9;64%?I@%C=VEP+)290R$
MQFP0>:1Z1I.#,C*\/#RYF0/435VS[X[%U1.-'8E:%R5K;C/N7KG,+9GWQZFU
MB"T-7E++2C+9398ID;@<F?RYG5ZMX=A(0HE[2A6GFIQ>@N/%D1!<2=`=>DFI
MMW,E\0L/0!UD.QD3L[7"[-1MB[ALRT2Z:45PHFJJB8G5+\FM5(QJ%;I((LV2
MM-81JH$?3(R5"<1`"L8.&;@H"-/7IUEQIAO=KG"(1'Y\].EGB:))"GNSD30@
MU_OI;.T%7QC#2.36;)*V+K;%@1&`,)+VF$>ZNC:C2#R;@LH1IW@7R9&ADTNE
MHIGNC'6YJ8)26XF<:L<K(JU+&U6%:.RL'10^20U$R*R<_KBI:/*<H@8?#.?7
MQ_1GB1\9J8T%W&N[:)@I*W6K9"O[B9B4$L-W@U[:ZA;H;;NN<R(KB6.36PPV
M+I7L^PW.%M%DM)+$4!2@>WA_/&2J2*>GZQ.FB5$`?"3Y`^[EJG(*8K&XYZ.S
M:I)N.56!%JYAS[3MPO\`)90KA;W*4J-&R9C->N#5(WY[88X%1T;0H<2BW,TQ
MK(4*U2<?FG61VF39CN':HX75PE,G<B3(+0>:\BK'*5M6VDA@S'.;8B[-,JYK
MJ?SA7#B(K7=BRB/2!&>%B>E:)S1B4DEK"4QBA.$U&AGN'[U:UI[+;*I'+9,*
M22%VL&+Q!S*K"SC8-/9U5/NV+#KFO;#!$!0F=6%%C6-60<T-2]6L-6ICD9`#
M5A!Z<I&AGVZ6;;P[=JA(Y?\`!8Q+XG')0YRA,V-DO8'YJ5&MC-*7IE9W1(YN
M;(U,L@`\-#<0J4#9SW)`@6'&H,JSCDIHLH(T.DA?N;[2SC4>CJ[L6*K/BT7D
M6PE75Q<]N8ABNP#*)IF48?SY?;)$23EJ"'52U+&E$VE=20J3E&.@3,IU`P`)
M&,*-3/LI38)_A\)L:V+NOZO;RU^?Y37!&L5SU3&VYP<K);YRG1QD%?D0:KCI
M:[2^SRK(\R$HMH29$YY5%X(1IQE*""4:?#3K,W9NX-JW((FEDS/,9.N<EEP.
MVOI=;%U?9A=R$W>PL:^2O=8KZD.B9<];)"TQYL/7*#%*$I`2B!U`E.",A,RC
M0S$%'<CH)9/=8XA"D5E6&S[11BS9E#YI$*FMA]:VUDJM66PRA&N9V2!NTES*
MF>9*B6YV:S4B8Z/!R(]T$DP),!2UC0]94:==RZ8VC5.G-TZ_())5\<M;N.U=
MJM9,6M*I9`%V?:[DFPLSJE8ICLND3<TQ,IW<F*O%)SD0S9>CF)8Y80G*DZM&
M+)T2=.I!^4V%JMW=;T-LL5-K9D]I)+)[$=:=CLC4UY8A%5O5R,B1:N=:C;;A
M,BP:P5V.C(;%0!-8';)^5:4]'C&5I)B<,R-#+6G@,,).+*.$G-&48`L\(`&"
M(,$#(0'!+,P(L8BQ9P+&!8R'/AX9_#B1.<2TMUMVJKK3NB1E\OJ&H=C-'IS7
M$MJT#[3\51P^T-?;,3-AE=A`V)0&.#I.YLK>#FPT:([*9/("&](`(,'J0BCY
MRO0?3TZ&;"JEV)G>PLST@4T_<05U?6%K4OV.O(*R#Q1:X.\>-,AC%!V8]R)1
MH,0V3RR:/KNF/*2)\EED1AR+P6F/"4/*1IIKK/$OO?\`D-.;VT%1V(RV':Y2
MF1M=$71:JDT`AQ#9B[8TOFVO4"2"*4A,2+36"'>9R+/+]$::9-IV!X$5@(T`
M:@GXS:CR93-?NPE]V$7M[K?IS7TI)J[-QUG==L2:T,L#5()%A'5Q<:;V*$5Z
MAE#>[0\UY<W:1C<'@Q:C5B(9T`BR`%'*BU)*2!T)FOC/<]LPFO:4!=DO:Z#C
MS9M=LYJ#MEM1$H$E>XK"+&H12-KK4QO;98"716O6Z\U*@L]0Y.*=\0-9J10E
M`$L!P5B.)5H.NDG:SMN-N(;VE);M\5B`1VZXM#9U,43A,*SD)*"7UZ@GS\Q5
M=.BJW',6E3!I-9%;Y9I#E&O5+B&LY<(LY$+P$D*?"1H.[3X2R^P]YV.?MAKA
MIQ4DE!`'6T8-;=TVI9);`RR*016LJT*8X\R,\);96E<(H.1S*>RQ.`Y6L1N0
M$"!`;CI!B4EG$3(`Z$F4VG._VQJ?MQ;B7?%5-8->Q>E%MWG0=ENCS"GMUB$H
MD-,2M(QDRN+Q4F7-)K"LF,2D+2\$A6*5Z%*H/'C"=0FR6'D2=!J!\#-XO)E,
M<1'$1Q$<1/_2[^.(CB(XB.(FF/<KM@22T6>3N]+WOL&CD=C[3T[>4UA"ZSHD
MV5\EPR6C`W:5R5D(55\>\!?X/"(L7B-%J%ZG"4;8B3X",DH!7(TE0;YB9)=C
M3OH;=$9)C>I$(V+I>B4D;4THYV3MXSUV[2NTF=GPD'>-L1A+3<K*D\G9#Q9]
MA2>LB3-JP2ESR6->8WC:$=/G,JV4K':W;VIKFTZM:AJM8H/8R.!QP&QC/9Z5
MZAY\?$<Q/,\EK;4SJQ"L"/3^-.C4>..-IIRU")8-(,]W+"2:<-`T'766DWA@
M]A6IJ'LA4-5Q8F6SJXZ4M&HF!"KD#5&6]O6V5!)!#B']T='8820MC(<[A4'E
MEA,4&@#D)8<BS^$R!ZB1#K-KL"D-.F"/MNL]=5YL"DH%HK>:-%?D5J@<IS+V
M"'IHX:M<+$:4C(E=VR0OB3+AU*\S!X2S<C-*]?&2\HUZ^O2:F9WVV]L[3ISM
MN5FYP5TKB4:3Z\V?$%=AQ&SZ^<A-5Y>K33K2TMCK*J?$*::PMODU(I53T@=`
M),93N/IE`--3A.Y&DJ[AJ?MEB9EKAN;9ES4SM1<>FVKU\2HW6LS6F_-=K/L"
M(*8:U2B/S%PGL;O>EY6_5]93<B9I0HD[@WN[4K1$.:8@)1..O+*)5\2-1Z:S
M:&&!VW7NH+U`JF059#;SC]+2Q#63)642:8Q3,3M'XX[*H3'8C%'4I(UIJ^89
M0<E1$X5@394H2O5/P088/`)D=-?LE`&[4:Y++[@6LNXR_7R%ZJRNJXW9Z'9R
M=0RSV64%[*8E<)(C$3A;:T1EM;ULH86-],$XB=Y4B:G`DA*04$@TTE*,B).H
MT(UUD24[JAN?740[>U>2*C(JN:]--F;2L63R>,71%W!1,H/-&N\6)*Y,;`^M
M48Z!T+)MQ*I+1'K!>IA$H`::1G).3$G4=>OK,T;M'+GBVQ&QJ5;JCIG>D`O/
M8I;?U=[36^FC#U9=$XEZ9D4R%D<*Y?:RD3O.G.OWIE-418M(]MB7)IY63U1(
M!&`3)&HT'4S_`'IYHS=-"RA@K2::Q:<O[35]XS2?PK>9:CC4EO5^K5XF[Y,V
MAH,B"JLT4F:[H6('\;$J?LR(I&W(1&&$86&$%=6@D?,SUM-&;<31#7O2?4R1
MT96\O1MUMOM.3*4L5O+G"2GP!V>YQ-C;=CD02P,*!"QQYO<2E*XI>Z^L`M*:
MGR`LY0D&8@Z'4S8=LA^88A=4RJEH3$+5A"B4R2/["57+WM@C@)15S_!I`24O
M8G5_8W9*<^,TI3(BP-YAA"-R3K3B%60%"ZI),@:=9I)3]J6]&R(WU+:JJZGZ
MUC3YN=0.UU'Z#SZ2-DJJ5.S5/!91![6A4Z<VEGD4%C;C>N)DI6%(FT#NS,F6
MQL)+/#@O`DT:2KN'37Y2S,JUCVX]HK=[J76'5V@8HMV`23*V-::!L!JI^5/D
M-;:RD<912*2;.0BHV-S!)WN9.I67@$>;$RO$52$MI:Q5A8X@XD:CXF8#K#I?
MN?1"K0AV75-3ZP_6&8]PB(S)B;;M5I6TZ![<V?&+-A4]87(VN%:CI(LH2+6]
M6U"3FKQD)TZ@/Z:@Q.E02#K/&!IQNBTT%J]01M+0YU2ZS]REEVP^9Q^YHZ>.
M<UBS[.6W?#N41&I`S1GX](5;-8J!`U)C%ZH*I4F6B6#;BRTN5J3J-2=?A)5H
MC2.Z*TM621B4:I:8S..$[9378FO-S)@ABT@NB*PJ;VLYW%F/@@RJM'"1J[PB
MSA(5;,TOP9,D;FLL8%A0C@H"4:]()'SFQ_4FXK7NZM'R6V_6;'6,A;;,GT09
MTL6E"R7Q>712,/&6]FFT>>G!E85:IL=!8.38,RGP0I-1C4)AC2G$"S,@C25>
MOOM]%V]W$]9=P$KFG00V`UY)8S>D1$>,M/9:^#2)JG&N):YJ+#TSH*'6*YJW
MLQ2?XC*,9$!6/$.<8#$D'H1/P[>>B[SH-"]F420TV?'22TYLKHJ,)WE,2)CU
MZ8'253&F*>3+W;T$3.H;Y?8TG/,&:9A(4I>1F9\@?/G*"==)5"U.V7,[[TFO
MA99$4L]JWCMR4S.W?8X[MQ:)-/)KT4RI.KJV2)H,AL5JH90P5M&&MC9B5BN,
MX><LK"6+&!N&"3,M)/=H1\IN2UY<+E<J5K<[82--<5NM/%&AOLMN8GMOD#$K
ME[:B)0O;ZQN+:`M/AHD*X@:U.0(.#4I1^"1^(@9%F92=->GI(*W6I3%SQV%)
M8_KE"[JM2.N+VNJV>6!,!5_$Z/?7!&A;ULE?99%79-</M#PE$'"EIC*-7[V4
MBRE6F)"Q%'<0#I\91A/VS%](UQIO6S/#6/:ZGZF>=@Y'M-3S_B(1A/>5DWW'
MRR4]O,\*EYZ*KG`ZN'<]T1-3$YN"`A"TNH34ZD2Q$6(R).OK/R?]&MAV#M(7
M#I3%F9/)9W8ZZTF*IX*KLHAZ8*)JB960ZRFMZZ>+-F'M+C*FZL(06E;33TR0
M\8EQF"$I8D105(7PC4=VLM;;E.VZZ;*:N[NP2NE:R4UU6MM4Y<U'+I;#4DM<
MX)9`61]9E<'D2IV%7JQ^B4_BB<XPM2ZMI;@TKABR>2>GPD.F0#T(E5[`T4OP
M';=W(I-CCS!*]E=Y;ANB[)LTMTP0H8+`)1=TP1/1;0*72;V]<[,%=P6--;-@
MTA*<>J6$!P24!)GUB8DZC4?(3=/&W%U=V%I<GR/JXH\+4)![G&URYK=%3,N&
M#'4H#')D5KFM<$DW&<`-)-R$P'@+.`YSD`9E,]OB(XB.(CB)_]/OXXB.(CB(
MXB.(CB(XB.(CB(XB.(CB(XB.(GSJU):)*I6'!4#)2)SE)H$B14O5#+(+$:,*
M9"A)4K5J@009P`HDLPTP7@$`1"SC&42%-=MBJRVDK4FV:B6O;A#%$GF<1)4R
M&..\3=<O$#D[G$9`6>P/Z5"]-X27EH.`$*D@D[RXQYRP9\0X22-/6996-G,]
MJL[Z],K%-X^GC\WF4#5)9Y#7V$N:MSA+ZJ8'%U:FY_2I%3E&')4D$:WN!0<I
MUJ?.#"\_TXPD21^(GGN+LU,Y2<]W<F]K(5N#<TI3G%8F0E*75W6$MS2VIS%)
MA0#G!T<%)9"<D.<F'G&!`#`A"QC*)Z'$1Q$K*Z[95<W7:&A$*"PI5,44FC$-
MF3K#(!(I/#JRE$VARZ>PYILF1M:4XB*_(HJB"J*5&`&B3A5)L*3B!*2<#2=.
MFLLUQ(D"5ALG5UOVI?=-PM7(S9SK8^1".6JA?8C(HL0VNTY8U<DCH&@V1-[:
M:_MZYD2X5%+DI9B!4F.).3''DF@,RDZ>DGOB1'$2"J9V+K2^7BW6*OS93ESH
M^PLUA8".60J4P5:W2W$=992%.E:Y@U,KNK;SF20)#R5>$X4ZDLT(R1&%B",2
M21II)UXD1Q$<1'$1Q$<1'$1Q$<1'$1Q$_]3OXXB.(CB(XB.(CB(XB<N.T%L[
M/:^6KL?3#')-E+!>M?[TAW<19G@NX;8;VN2=MU2S#S<E.JW`A^4`<R8%/&-6
MQ-2,1Y#@L`+K.HR4C<0FQ*QH0#_TUEIKOEUM0;6*JNXJCL6[DD&0[3MFRUHU
M<79UJEMJG1ZVY2EB[3'\PTY["<A50^NET?FQ[*(@E.UN&75"$H*462N/M@>O
M;,.T/G%_VY;2O62UW+8R-+JUM"5[:OC_`">XK86R)PU,N^MD2K5NDYG*PO+.
M,$T1O\]4IG=(D_5)EU:N&/')BK*DY!T'6595;2;%ZP3R.(;(?]F+(CW;BV<L
M.([IRYPLBS7=+;&O>PTJ94^G4X<HF![Z*=S'#?8)2O"%%X$I26(1*I.I)6)L
M`1H#Z?&;\J9P5$Z;JO7B^+D<&_8N[*]GTB5LJVU%HK8PZ/8%$GL5LJ]]<'A3
M+%K?27S(ML;'%*(1B%$@2GY\@L9SB93\=1Z30/%MO]G:'D--/5AE;#6J5IQ.
MKDTLW-+%95GK6*Z;NL=SGV=/YO%61PDGMKLZR(]J9L.JU4/*9O3SUI`$D):9
M(-+$JT!UDD[Y6W/];XA*JF(VRM(^]==^W:QV4].#YL'+:DCA5S/$\?#OLZ.K
MB)"Y3;92PIU)VK#2W0A^2*8LRL)!8!+`G+,HSD`:]=.FLG9WV(L5-N?$;`>)
M_,;7UPL:]M4:<BLLU\N^3)&S7JY)I5%>K55*770&9`UUQ9=<7`X3D$A'*$"=
MQ<&0MPR2<<+H"TA*-.GVRHFFI$EK"#:-6M"KVN)G6W)W4=E*"F-7%V@[_4#M
M6<G>]G7-P`FJ8"@N('/+?(HF@7E/!Z-4YE+7#PZG!/2D%))ZZ]/A)'?K+NMY
MK6BV)/M#L`F]][^5GZB/$U8[47HY5(:$3RZW6UIAZYZ2%]&8D+;J^;`IL$$%
M$EX-.$46')^<\2/GT^$R)PONQZLUVED?=+[LB302IN\_)]:I(HE-_KV2]I3K
M@S)%;\94\;O&12R,RQ=+&=2M(=C#5\C0N!T=;5A(G`HG`?!&FI]/A,:E<!?$
MM9:(3&_;[MV0,<F[MSPS0IQEVUS^Y/$#UU=H)L4HJJ-S6P*UL;#2"S4T9B;&
M>M<A/3@\-JL\X@M<2-6O).1\]!\)[,SV%NMYUCW(V<B5R6:CW`U\WPS4E0U"
M@L^5"KIXB!=KU[#J>IM51HY`"`V*R7+5$CRO+?CD"M\=EJTQQ3.>`IPEDHT&
MH'PTB92^VV-7LO=";:;8P,@I+O-4[1$#AIURO.*T(J><NNL#7+80_0`&2F>4
MQYU;;$=0%HW$*E*W#28.0EI3Q+S52.G0:?"?-;$F6:XOW?#O2FIE8*"7UM;6
MGT=)DBBT+<GJ6)QBPJFUYBUP3!QC#G-'=ODCW74<?WQ6V*5R96ICX6X"=").
MF3%D`?./7M$_>;7C,:&;3"([OJBN6@;^V7TMC<_>*[L:S+`-T]I2S5TB:I[*
MOS,6'9]ES*%M]Y'L2-,G+5.Y*J/@4'K6OH0XP=A'K\.L@>;7>BUSVF[B#!4U
MV&LD"L#=7MKUO9]P26VYO.W>#4Q*=;7O,MD+];(I>X6<T10FQTC5$%K\4]IE
MT?2.?HD+T1Y))I2--0/R2QLI%:3*@UTJ9B[BEFV?&IWW,HQ5;A+J6L:2'?%*
MDMVD[5L!;0AM[2=^L"868]Q)ZAB,Y*L6O:YW94+TF)-,];*4PM'SZ?"8EL%?
MSA05S2&*5YMA<<A6ZW;/]ORE'=5>FRCTS+01N0`K=ML6)$54D<SFK9!).HI(
MG)ZF4VEJ-H6(%QHP-PU(4(5!*`/F)L0U.M:LJUNCNHSRP;!AL*A)6ZU<-QLM
MD\D:66.%KI)K?KO'6!*-Y7JR$`3G=]6%)$X?4\33QX`'QSQ\Y!]%_)(-KZZ8
MQ=5QWT*V]RK*H#8.D.XL=6,+I:.V)(&<F14Q%).TL525ZAUO$N,9+/C>PT5<
M,NZZ098W1QR>M-.)6$HV\!1"-/D.FD@B,7W=LCUFHG:V.W':YVY+AW%LT-:M
M$.%A2T,!?"W38F2U_(M<C:!<WE;7L/212C2$;RG<4C40_($:`;JI6Y/,6'92
M>FNFG320ZJG-Y'-I4V#MCL^C>"N_P_Z'MYB>ZY!AA3:T22QW*!N42S%E&3XD
M\.B>/+<G('=P1+'%I5)RE"$U-D&?%'YOA-N';4DTR%*-^ZBD,]L"P(M0^Z,I
M@E8+[1G4JLR9,,)7UO7$G+BRF=3=V?)8^M36\NZLQ)UZM2>0!0(O!F2PEA`$
MAO@9M)Y,ICB(XB.(CB(XB.(G_]7OXXB.(CB(XB.(CB(XB8,^?6GN,B^2_!O=
MO@QWRSWSV#W'ZT]=SZCY%U_[3\&ZGK?/U/[!Y_6\?Q\_$3ZG[X#\$=?D_P`0
M^L?BRKWSW[V7X)\*]K'UONON'\/_`!;V7S>KZW[)TOCYOU?$3[$GQ+Y6^]!\
M<^<>QQGY-TGMGROXUULH^'>^^C^]_8_<?>O;.H_9_6ZWT/TO7XB8X[_4GEFW
MOWUSY.MCGV/[O\9\ON/HMGQ'YMUOX=;T_1^W=?\`I^3T?1_#R<1/W>/JW[$A
MGO\`\`^V/9I5]>>\?'?L3X]X-7S?X9UO\2^S>'0^Z]#^H_Q'4?Y/B)_A5]4^
M:3];]>^;["A7S/JOC?F^UO3K[ZZ^3^K^/V%Z7Q3V3J_WEY?:>E_#H^(D:6O^
M4?YDG^\ORY?87U[*>D^U_K/YE]4^VOOS7I_E_P"^_KWVCW/W3R_NWINJ]?\`
M0]7B3UF'M/Y"?E[3[%^4+Y[\99?8O:?IGY?\.^O#?COM/1_OGXS]3^?HO1_9
M?COF]+]C\>(Z_;(T0?RINGCGM?\`+WZ3Y*N^(]!^7#I_F/DCGN7QSI_U7R7T
MO:/7Z7]J\O1^;\/1XCK/\-W\J+HV[VG^7I[?\C)]I]N_+?T?RWTD_3^W=-^H
M^1^AZ7D]+]I\GD\/P\.(Z_;-;O<:^H_5UC_)+^1/P_,H_P#W#]D?37Y)_D?U
M#8WL'YOOAW\0_*>D]Z^&?Y7W?JO+^V]%R)4/CKK)^T0_*-]-W']O_D@]P^Z(
MI]R?4?TA^2G[?^-(_C'TWT/\/?(^G\_5_(?X\]P\>M_9/:^)!U^V;,77\K?W
MJR^]_0/YF/;,?'?=?KO[U]FZ%3X>R]7_`!_[9[9ZW^(_5>AY_P#`\W)D==/L
ME>WC^5?_`!7\@_E^_P#JQ-\X]X_+I_ZY_B3I/E?6_P#U9_\`&/3ZS]L_[YY?
M\OQ'6296?Y$?E-B?3GY2?FOQ^1_;'UG].?*?BWN)/RW[$^+?O;X_[MZ?N/N7
M[-U'E];]/PXCK/9B/Y,OI*6?`ORQ?EP_>GSGXC]5?27]ZG]Z^6>S?P)_>>EU
M76?W/)ZG]SB.L\R)?D9^N+#^"?E/^HO;&_[8^)?4'UQ[-[,@]J^P_9_X8]L^
M/]+T_N7ZKH_2\GZOR<1UF)R;^7!\1JWYE^2/X%Z+Y])_)OHCXCT_N:/Y+]6^
MZ_N;T?>>GZ[VG]'J?3]7]/R\1UF4V9^17Y;/?N/\IGSOV.,_:'V9]/?+?C7N
M<>^'?/?E/[X]C]X]I]L]Q_9^IZ3T/T_1XCK\)CD<_ET>$Y^(_DI\/>8U]E?'
M/HOP^0?,"/A_SGVS_P"<_/O2]LZ_]?[QY?0_:?#B.LF(_P#+/]\HNJ^B_P`S
MWQT?MWK_``#[Y^)=$K\_1>I_[@_'?;O7\?3_`&;T?4_P?-Q(_P!$\]N_*G]]
M.?M/Y>_S0>V&^\^W?7'WU[/[<E]?W/IO_<+VSVGT?/ZOZKI_)X_H>7B3U_-*
MZ_\`XGO9O_UX_'_?_P#[;?9OE/2_^2]_Z+_Q'I?]GCI'U?;+#TO^4_Y+8OY=
M_P`O'S#W`C[:^E_K;Y+[IU[STOV+\&_>GN'NGN'I^Y_K.HZCP_3]3B1+#\1'
,$1Q$<1'$1Q$<1/_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g90582cov.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582cov.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0K24&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!G````!@`````````````#P@```O\````#`&,`;P!V
M`````0`````````````````````````!``````````````+_```#P@``````
M```````````````````````````````````````X0DE-!!$```````$!`#A"
M24T$%```````!`````(X0DE-!`P`````"#L````!````60```'````$,``!U
M0```"!\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`9(`````!
M_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.
M%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_
MP``1"`!P`%D#`2(``A$!`Q$!_]T`!``&_\0!/P```04!`0$!`0$`````````
M`P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$
M`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T
M<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2D
MA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$
M`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#
M4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34
MY/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#U
M5))))2DDDDE*22224X_UJZQ3TGHUUSP'VW#T:*MSFESWB/IU;;&>FS?:YS'L
M^A]/>O/_`/G=F%I:<=I!$$?:,K_JOM.YW]M&^OO5F]0ZX<>IQ=1T]II\O5)G
M)<W_`#:Z?^M+G$VW,YGFI^X1"51CIIU=[_GCF^T_9JY:00[U<@.T=ZK=SVW!
M_M=_GL_1W>JD_P"N&8]SG'&K]Q+B!=D`21!XO6"DE98/O6;]\O0#ZW=3O]/&
M9BMM>YY%+!=D;W/MAGI[A?NM]1WYEN]=U]D^LG[V%_F._P#(KE/\7?1#DYS^
ML7`&C#)KH![W$#>^/^!IL_S[?^"7HR6K9XN8^[^[QF[_`.8__]#U5))))2DD
MDDE*61]:>MCHO2+,ID')L/I8S3WL=PXZ.]M30^[_`*WL6NO,/K]U@=0ZQ]BJ
M(./TZ62.]SH]?_MJ&T_U_60+!S.7V\9(^8Z1\WF=>Y+B=23J23RXI))(.,I2
MKJMNL932W?=:YM=;!^<YQV,;_G%177_XN>D,R<^[JES"YF%#,<GZ/JO!]1W\
MIU-/_MPDR8<9R9(P'7?R>VZ%TBKHW2Z,"L[S6)MLB-]CCOML_P`_Z'_!K022
M3G:X(\/!7IKAKP?_T?54DDDE*22224Y?UFZJ>D]$R<QA`O#=F/,?SCSZ=<-=
M]/9N]79^Y6O'M>22XG4N.I)/+G%=-]?^MMS^K#!I?./T^6N\'7G2X_\`66_H
M?Z_KKF-S?%-+D\[EX\G"/EAI_A?I+I)MS?$)`@\&4&JSKJMNM912W?=<X5U,
M'=[CM8W_`#E[+T3I5/2.F48%4'TF_I'@1OL/NMM/]=ZX;_%STA^1U)_5GB*,
M,.KJ/[USQM?_`-M4/]W_`!R]'3@Z?(8N&)R'>6@_NJ2221;K_]+J_J%]8!U#
MI_[.O=^N8#0T$D393]&JP?RJOYF[_K=G^&75+Q?HW5+.D=4HZC6"\4DBVL?G
M5N&VUG^;[Z_^%96O9*+ZLBBO(I<'U7-;96\<%KAN8[^TU`-7D\WN8Z)]4-/I
MT2+-^L'6*NC=*NSGZO:-E#-/=:[VU,U_E>^S_@MZTEYE]?\`K3L_JO[/J/ZM
MT\D&)]USA^D<?^);^B9_U](LG,9?;QF7Z1TCYN%B]3R<6D5-KQ[-2YS[J6V/
M<7$.<YS[-W@ICK&0'-<VC&!8US0/2$$.+7NW2?<[<S^<_G%120<?CEW;EO5L
MNVEU+FTM:\0YS*FM?$%NWU&^[Z#MO_J1+(SLSJ)KQA52'V6-%3*:FL+K'?HF
M-W-_2._G%377?XO.B#+SG]7N$TX1V4#2'7%OO?\`]8K?_P!N6_\`!)+\49Y9
MB%GU;_W7NNC=+JZ3TS'Z?4=PI;#G\;GGWVV=_P"<L<YZNI))SM````:`:*22
M222__]/GUW?^+CK3W>KT2]TMK:;L0GD-G]/3_9>_U6?U[5PB)BY61AY-67C.
MV7T.#ZW>8_-=_(>WV6?R$UQ,&4XL@ETVE_=?8.O]6KZ/TF_.=!>QNVEA_.M=
M[:F<M_/_`)S_`()>./LLML?;<XV6V.+['GESG'<]Y_K.70_7+ZQU];MPAC.(
MQZJ1;97K[;[/YRM_&]]#&[-__"6+G4BR\YF]R=1-QCMYJ2222:J[*[+;&54M
M+[;7!E;!RYSCM8P?UG%>S=%Z:SI72L;`9$TL`L<.'6'W76:_Z2USWKB/\7/1
MOM&;;U>YLU8DU8\][7#]*_\`ZU2[9_U[_@UZ*B'3Y#%PP.0[SV_NJ2221;JD
MDDDE/__4Y])))->?4DDDDI2E53=?=7CT-WW7.%=3.)<X[6-D_P`I178?XN.D
MC(SKNJVMEF(/2H/8VO'Z5W_6J';?_0A)DPXSDR1AWW_N]7MNA]*KZ1TK'P*X
M<:F_I'C\ZQWONL_M6%7TDDYVP```-AHI))))*DDDDE/_U>?22237GU))?(_<
ME![`_<DIG31=DWUXV.W??>]M=3>)<X[6KV7HW2J.D=-IP*/<VH>YYT+WD[K;
M7?UWE<-_B[Z,<CJ%G5KFD4X<LHGO<\>]W_6:7?\`@W_!KT9$.GR&+A@<A&LM
MO[JDDDD6ZI))))2DDDDE/__9`#A"24T$(0``````50````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!
M`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!
M`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P/_P``1"`/"`O\#`1$``A$!`Q$!_]T`!`!@_\0`
MPP`!``(#`0$!`0$!``````````D*!P@+!@4$`@,!`0$``04!`0$`````````
M````!0$"!`@)`P8'$``!!`("``4"!`0#!`D#!`,``@,$!0$&!P@1$A,4"146
M(2(7"M276!DC&)@R,S4F,4%"<R15-C>94S1E84-C.$0E*1$!``(!`P($`@0+
M!@0%!`,!``$"`Q$$!1(&(3%!!R(346$C"-$R0E(4))05%E87<8%BDG.5L7(S
M0Y&A-#66P>%CDX)3-AC_V@`,`P$``A$#$0`_`+_`````````````````````
M```````````````````````````````````````````````_AWU/3<]'R>MY
M%^EZOF]/U/+GR>IY?S>3S>'CX?CX`18_')\E4/NAUTYTYSY:T>FZ^3.NW)_(
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M\6VQ;)R3R;^KC?,?#^T\M1]`N>%EZ'NS.HZ.Y,<WC5-7L[;]38$2=;QT)A8;
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M+%CF2!HL_P"C7.M<>7%Q+7#N:-52EFAMN2JZ`M+<UQ]3SF?%O'D<\E-5\5C3
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M?L$L,QE^5M6$J4G.%>#7P4BL3.D3X,/<??-1SEHO/7`W#/?CH9L_5"@[,W%9
MKW$G*T'DRMY`U:7=6\RKJX#5LB)00:]%=BRV&N1.>;LO<U3,QI^1%]!?J):J
M],>.DI7N]':W6^DW5/F/LGL<:):+X]UAQS5=;ES/8HV[?;F0Q1Z/JWK(\TE$
M>WV6PC(E.,(==C0</OX0K#6<%5L1K.C6KXE_D$VSY%.`N0>3^0.-ZGB;>^.>
M:]EXEO\`2*J5;R4Q$TNKZ;L$:=+1>-M642:[)V21%>9=0A3;T)>,IQ_UTA6T
M:2_Y\:?R+VOR"V':AY7%M9Q_JG`7,2N,-2OJ_;U;0YOT-+^Q*5=3(^*J!'I7
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M]M>Z^I_<?_\`IO??1_4]7_%]GX_X!5;ZO__0O\``````````````````````
M``````````````````````````````````````````````!0"YPN><='[>?)
M#\2/!-1.A[%WT[M\<6==<(=>Q$U3B[;7MPY2W*%*PRXB4Q3SZ'<M=>E2&T9P
MG6ZNQ:D*=P\C.+?J>L>46GTAX/D#4>8^G/-?>#X5.`TWUPOM_P`X=8].X^OK
M)UU/TSCNVKYFVV]C+FP6WG%M;'1[92P+UU#:FFZVMG8<4WZ3C;CZCPG2TI@/
MG1Y1X_Z2=!>LGQC\5;+!TZ)RA!TW2=IV)^)/6YKW!?&$FEQLVX[%7:S&FW+L
M[?=YS'E3<QV)+UFU'MFTM/.N>!65M/&9F6+?C6YYZK3/G+O*OIWN.-TX%Y(Z
M-Z?POK-BG4MPT_'US@S0>)H49$BJW2BUF]7.@:OPVI"Y3D1+3V9"_+E:O\01
MYJVB>GQ\]7N?D2ZF=LOC%["<O?+%T"W:#8\;[[=YW7M)PQL36+.`X[M6QIL=
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MN3U.YIY>"L?%I9GWMMI-3KVG?MP.`><\(J>L5]J'&>V<EMV<AN-J=IL&]7G#
MUOO];L[^<YAIBTE/MF&),AS/DC0[:4M*TI6M8^@C\N8\T]'RT=WNY7QZ:+1<
MJ]>^OW"FZ=<-4UVAK>0-IWJXF5\W5MGO-I9U/5-8UG4-;V_7+)ZI;BO1<J<:
MB.LM8>QC"DI;5C%965B)]?%O/H78+;KSH+J_:K?:JGUG<[CJ;`[!;)24#-BF
MGU^VL.)D\CR:J"Q;(NK+#52I[T<H>3+7YF\XSAW_`*%54T\=$27[:/1[+3?C
M'V':ZN!'D7?)?.W+6YTR92DMMV#E+KVG<?UD-^1Y8ZVX.+;2'D^&7,I0IQQ6
M%)RK.,4CR77_`!F&?VN36G67"G;_`&V^DLS^S5MV.4URS*MG&W=U^SEZG46>
MH2;K#R/J++-KR!-W!2E*SY7I;#OCCS-B"_G'T/F?.I8Z_P`G_(5\3'!O%2HM
MCV2H^:(>TVS]%&;E;#IFEW/(?%TS59]XXSA.<5\:1J%S;H;?7C$&+7OR%8;:
MD>=Q/H5\K3Z,==P^NFC_`"+?/MOO6SD%Q;^L<:]%K#6Y,V,IN3,TV[M](LM@
MU/98<=R9EG%GJNU<ZP+:,RXWZ:WD(RMK*%Y<R]58G2FOUH;.P'8WFC'3&B^&
MGF^-81^>NN/>+5]5UFQD8<F0+7BE-#R/KE9KT>S>CI]Y6:[NNT0Y55*<>9Q)
MH+"O;BXS'C.>6GU+HB->J/+1T<*6H@Z_35-#5M>A6TE9`J*YC\,^C!K8K4.(
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M[L+GVT-=;]&H[7:.6UK_`,)EOVD>5X)RS^"5)*><RUQVA/;3O?\`+[UKZD?)
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M]WJM^GZWJ(]'R>KZOG3Z?I^7S>IY_'R^3R_CX^/AX`?_T;_`````````````
M````````````````````````````````````````````````````````1\:Y
M\>'&-)\BO(WR+3;=5SR!N?$NK\:T&J2*)#473+:JK8^N;'O46^5;25V%QL6F
MU%?4M-IA1/8Q$2\9<D>\\&"NOAH6OQX<877R.4/R+V=KB5N6L\$_I/2Z*O7V
M<Q(FY9L;J)GEK[F5:*>7<)X]O7]>1!]CA"&%>MZ^5>",#7PT8_G_`!C:UN/R
M2J^1+E?E.;R3-U[0%:#Q3PI::3`8U+C:'C7EZ\W+9NI5_;.W_AB\OYZF78+*
M,6EXN0WEOT&D%-%>KPTA^CEGXR]4Y"^0#KYWXU;DF1QALG!/'EGQNK0-:TBM
M56[;4W$;E&NG3UWC-W68H[7-7RM.:0ZF!*_%EK*_43C#>&AU>$PT`OO@/Y9L
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MPY0P_E#5<I#J*J.TO.<9RK%5-?"8>`^4?XF.*_DZI.+\['O5GQ)R#Q79VR:?
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M*=BAG;!,V_>MFWJ?,E54>?:-1,LR]F6PA.)#O@RRC\<8_#`F=9U1D]H/@EU'
MDGGS:NSO43M7S+T*YAY"7/E<A6/#V+9_7MBM;B:F=L%S$@:QO7&.RT<W9Y&5
MO63+5PNODRO*_B,VYE[+U-%8MX:3&L,V_'_\-W!O1_D.\[`;%R!OO9GM'LD>
MQC3^<N5WLJGU2+IE4;8)&JT;EA=R*^XV.*KT)ME86-K9JC96PU(98?DM/M";
M3/AZ,N<+_'95<2_(;V3^0>5RM9[=MG8?0XO'N=$E:LFN@Z510L\9M1FX>QJV
M:TDW'EA<6U[64KAQTIQ_N\-H3AO-5)G6(AAGN%\-W#G;/NCP+W5=WNUX[W3B
MC8>-[C?-;J]8AW-7S%%XNW"JV76X]M8+NJB5KMIFJ@N5#TY")BUP?;8PVGVN
M,.4T5BTQ$PF+*K4;7Q[_`!V570NP[*WC/*UGRSL/9?E7/*>RVUGJR=8<J9F7
M[^9])91C9MF<LV4S=EE.X?=<0\K*\^?SY\,X*S.NC`O?/XD=E[F]K.-.V>H=
MP^0NM6]\2\:5W'6DYX]TQ-G94RX]YO5O9;-!V)6]T,B#;74?>WH3WH,-XS$C
MMI4I7XY*:*Q;2--'UN`OC3[0\4;I;[)R3\I/9?L!KUEH&_:>UH._5DM.LLV^
MY:Q/UZLVN7&>Y%N6;&3J;T_WL:.MI.%R&T9]1&<84#6/H:7<3?`#SCP-H]IQ
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MO\1='_F8[T=B-*YQL-&8[O\`6C<.N=SH%=QY&=K>-D[CI>BZG*W[6[F'N50_
M/O:Z7ISTZ-'5'C,MN63C?F\&TKRT.KPB/H:G<4?!/V/X*TFNXVX;^7GL_P`9
M:#42+&75Z?I>G+H=?@2;><_96;\6L@<K-1F79]A)<>=SA.,K<7E6?QR-/K5F
MVOG5[WX]>+^VTOY)^U/.USOO92VZ:JXJU7BK37.Q4/9=6>Y.Y*U2%H-+(VC0
M>/\`;+!VVCZA2R=8O7X^P.1(J['%O^"Y:GY,C(G32/I;N?(Q\=E5\AU7P-KV
MQ\K6?'&N<+<JL\IS:JMU9.Q_>\R+'CP8M3)D*V;7LTC+4%4MOW#:9#V/=>*/
M)Y<X75;$Z:G*OQV57+/R/=>_D(NN5K.,]UZXWL>/J'AMK5DO4ER[/K^6(^-E
ME;2K9FWH%FS8<H8?RAJN4AU%5':7G.,Y5@:^$P\!\H_Q,<5_)U2<7YV/>K/B
M3D'BNSMDT_(-'K,+:9-CJ&P1DYN-/M:F5;4.),;-Q"AS8C^9.<PEMOI0WG$I
MS.*3&JM;=+,O;KXW^O?=#K'JO6;EF);1ZOCNIH8W&6^:V\Q!W'0;O7*!G78-
MS3NS&K"'*C3:QGT)T"6A^-+85^/E?;8D,U4B9B=445#^WDW*\S2:5V$^3_MA
MSAUZUR56*I^"77+ZBU]BKJEI7&I%JVGE/DS5&J_*66F\XB4$3*&DJ2WY,Y2I
M%-/K7=?T5\4IO^07_P#Z1_W"_P!<]X_]E/T@_0[V/_*_^Z]O]2^O_7/^`?\`
M^=](^F?\9_\`&^Z__9*K=?#31__2O\``````````````````````````````
M`````````````````````````````````````#0+Y-.WL/I7U"Y)Y7BS&&>0
M+B+^G_$,-Q2,N3.2=KBS&*B<AE><)D,:I7QY5U(;SE.'8]:MO"L+6GQ\\E^B
MDSZOS#W@[[Q^WO8G+\W3)$<IDCY&UCZ=QDB8K.GK&*L6S6CUKCF/.843O[E7
MR`?UB=A?YG;-_'&%\W)^?+FS_5WW0_GWE?VC)^$_N5?(!_6)V%_F=LW\</FY
M/SY/ZN^Z'\^\K^T9/PG]RKY`/ZQ.PO\`,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/
M[E7R`?UB=A?YG;-_'#YN3\^3^KONA_/O*_M&3\)_<J^0#^L3L+_,[9OXX?-R
M?GR?U=]T/Y]Y7]HR?A/[E7R`?UB=A?YG;-_'#YN3\^3^KONA_/O*_M&3\)_<
MJ^0#^L3L+_,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/[E7R`?UB=A?YG;-_'#YN3\
M^3^KONA_/O*_M&3\)_<J^0#^L3L+_,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/[E7
MR`?UB=A?YG;-_'#YN3\^3^KONA_/O*_M&3\)_<J^0#^L3L+_`#.V;^.'S<GY
M\G]7?=#^?>5_:,GX3^Y5\@']8G87^9VS?QP^;D_/D_J[[H?S[RO[1D_"?W*O
MD`_K$["_S.V;^.'S<GY\G]7?=#^?>5_:,GX3^Y5\@']8G87^9VS?QP^;D_/D
M_J[[H?S[RO[1D_"?W*OD`_K$["_S.V;^.'S<GY\G]7?=#^?>5_:,GX3^Y5\@
M']8G87^9VS?QP^;D_/D_J[[H?S[RO[1D_"?W*OD`_K$["_S.V;^.'S<GY\G]
M7?=#^?>5_:,GX3^Y5\@']8G87^9VS?QP^;D_/D_J[[H?S[RO[1D_"?W*OD`_
MK$["_P`SMF_CA\W)^?)_5WW0_GWE?VC)^$_N5?(!_6)V%_F=LW\</FY/SY/Z
MN^Z'\^\K^T9/PG]RKY`/ZQ.PO\SMF_CA\W)^?)_5WW0_GWE?VC)^$_N5?(!_
M6)V%_F=LW\</FY/SY/ZN^Z'\^\K^T9/PG]RKY`/ZQ.PO\SMF_CA\W)^?)_5W
MW0_GWE?VC)^$_N5?(!_6)V%_F=LW\</FY/SY/ZN^Z'\^\K^T9/PG]RKY`/ZQ
M.PO\SMF_CA\W)^?)_5WW0_GWE?VC)^$_N5?(!_6)V%_F=LW\</FY/SY/ZN^Z
M'\^\K^T9/PG]RKY`/ZQ.PO\`,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/[E7R`?UB
M=A?YG;-_'#YN3\^3^KONA_/O*_M&3\)_<J^0#^L3L+_,[9OXX?-R?GR?U=]T
M/Y]Y7]HR?A/[E7R`?UB=A?YG;-_'#YN3\^3^KONA_/O*_M&3\)_<J^0#^L3L
M+_,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/[E7R`?UB=A?YG;-_'#YN3\^3^KONA_
M/O*_M&3\)_<J^0#^L3L+_,[9OXX?-R?GR?U=]T/Y]Y7]HR?A/[E7R`?UB=A?
MYG;-_'#YN3\^3^KONA_/O*_M&3\)_<J^0#^L3L+_`#.V;^.'S<GY\G]7?=#^
M?>5_:,GX3^Y5\@']8G87^9VS?QP^;D_/D_J[[H?S[RO[1D_"WKZ5<X_(?V2J
MNTW(-GV\['M\==9.K7-W+^Q6+7)VU--R-UJ^,MQD\5ZZW);G?X<J7M-;FS6A
M6,H=A5$EO.<96DOI;);KGKG2(G_[/TGV\[D]U>[L'>G*9N^^6CB>'X7=[K):
M-QDC7-7;Y9VV/77SG)7YDQY33%>/6'__T[_`````````````````````````
M```````````````````````````````````````````HC?/7W*_S$]L'.%]2
MM?=\7]9?JFF(]J]YX5URK-=C_J1;J]-24O?0I,&/1-)<2K++U;*6VKR2<^.#
MGOU7TCRAS5^\SW__`!7WO/;^QS]7#</U8O"?"^YF8^?;Z^B8KAC7RG'>8G2Z
M"T\&MP```````````````````````````````````````/\`J4J6I*$)RI2L
MX2E*<94I2E9\,)3C'CG.<YS^&`K$3,Z1YKX75OH9?=;_`(?^<N'X.L/S>P//
MG6WFS9=UJ&6$XN9?(G(?$E_4ZCQ^GU/!:']8KI$&KRSY\LXLO=.H\,/J,^N.
M:X;5T^*8ETL[,]L]UVE[#]R<#CV<V[HY/B-WDS5B/CG/GVMZXL']N.LTQZ:Z
M?,Z[1^-+_]2_P```````````````````````````````````````````````
M```````````````````:'?)1VUB=,.H7*/+T:?'B[W+KLZ/Q)&?0V\N;R;M<
M:5$U]]N*[E+<QG6V&I%S):5G&'(E:ZG_`*<XQFS)?HI,^K\T]W>^*>W_`&)S
M/.TRQ7D[4^3MHGQUW&6)BDZ3YQCB+9;1ZUQVAS;9DR782Y4^?*D3ITZ0_,FS
M9C[LF7,ER75/294J2\I;TB1(>6I:UK5E2U9SG.<YR1KDEDR7RWOERWFV2TS,
MS,ZS,SXS,S/C,S/C,SYOSA8`````````````````````````````````````
M``"8_P"$7IK_`)JNX5'M6T57ON)NO'TSD[=/<,^K7V^S,35_IOJ,CS)6RY]5
MV&$N>^RXE34BOJ932O#U$^/M@IU7UGRA^^_=U[`_C7OW;;W>X.K@^*Z=QEUC
MX;9(G]7Q3Z?%>)O,3X6IBO6?.%_PSW3Y_]6_P```````````````````````
M```````````````````````````````````````````46_GX[E?K]VE:X&U&
MU]UQIUG^H:W,]J]YH5URW998^_)Z_3RE+WVNF*Q2-I<3E4>5$FY0KR/Y\<+/
M?JMTQY1_Q<W/O.]__P`3]Z5[9V.?JXCA^K'.D^%]U;3YUOK^7I7#&OXMJY-)
MTL@8,=K.```````````````````````````````````````#^FVW'7$--(6Z
MZZM+;;;:5+<<<6K"4(0A.,J6M:L^&,8_'.0K$3:8K6-9ET6/B<Z7_P"2GJ'I
MVG;%7,Q>6N0EHY+Y>=\G_BHFSWT.-BNU%UQ:,.)1H^OM1J]QO"E,?4$2WFL^
M#^<YD<5.BD1ZNK?LA[??T\[$V&PW>**\YNOUC=?3&2\1TXI_T:16DQXQUQ>T
M?C),3T?K[__6O\``````````````````````````````````````````````
M```````````````````-&?D=[:1.EW4;E#FAEZ/]Y^Q1IG%D&1AM:;#DS;&Y
M$+6U>W>_PYD>@;;D7$IG.<9=A5KR<9\<X+,E^BDV]7YO[L]\4]ONQ>9[@K:/
MWAT_*VT3^5N,NL8_"?.*?%EM'K3':'-FL;&?<6$^VM9LJQM+29*L;*PFON29
ML^?-?7)F39<EY2W9$J5(=4MQ:LY4M:LYSG.<D:Y(9<N7/ERY\^2U\U[3:UIG
M6;6F=9F9GQF9GQF9\Y?C#S``````````````````````````````````````
M`!-+\&?37_-!V_J]_P!JJO>\3];?I7).S>Y9]2ON-W]V]^F&JO>9*VG/<7E>
M[;/-.)6T_#IWF'/#UD^/M@IU7UGRAL)]V_L#^,N^\/*;W!U<)Q'3N,FL?#?-
MK/Z/CG^V]9RS$ZQ-<5JS^-"_,9[IN`?_U[_`````````````````````````
M````````````````````````````````````````"CC^X%[E?KEV;A==-/M?
M<\<]:?>U=W[5[S0[KF.X;8^\'W?3RE+_`-EPFF*5M+B?/%G-V.$Y\KWXX6XO
MU6Z8\H<X_O0]_P#\2=X8^T]AGUXGB-:WTGPONK:?-F?I^5$1BC7QK>,NGA9`
M$8[6````````````````````````````````````````']-MN.N(::0MUUU:
M6VVVTJ6XXXM6$H0A"<94M:U9\,8Q^.<A6(FTQ6L:S+HS?%-TY;Z6]/="T6[K
M40N4]X0GDWF!Q;:4S&-TV:%$4UK#Z\XRM*-'H6(E4IM*U,YEQI#[?AZZO&1Q
M4Z*1'JZO^RG8,>WW87&<;N,/3S6Y_6-U],9<D1]G/^C2*X]-=.JMK1^-*2,]
M'ZV`?__0O\``````````````````````````````````````````````````
M``````````````:3_(9VTJ^EG4_D_FYUZ(K;8U=C5.+:N7AMQ-UR?L[4B'JL
M?,9W\DV)4+;>MIK/CC*ZZND>7/F\"S)?HI-O5^>>ZG?&'V][(YGN*UJ_IT4^
M7MZS^7N,D3&.-/6*^.6\>N/'?3Q<URWMK2_MK.]NY\NUN;JQFVUO:3WW)4ZR
MM+*2[,GSYLEU2G9$N9+>6XXM6<J6M6<YSXY(YR,SY\VZSYMSN<MK[C)>;6M:
M=;6M:=;6F9\9F9F9F?67SRCR````````````````````````````````````
M```!-+\&?37_`#0=OZO?]JJO>\3];?I7).S>Y9]2ON-W]V]^F&JO>9*VG/<7
ME>[;/-.)6T_#IWF'/#UD^/M@IU7UGRAL)]V_L#^,N^\/*;W!U<)Q'3N,FL?#
M?-K/Z/CG^V]9RS$ZQ-<5JS^-"_,9[IN``/_1O\``````````````````````
M``````````````````````````````````````````4A?W"/<9OFCLA3=:M0
MLD2=#ZX(E-[,Y%<2N/;\O[#'CJV!"UHSE#R-*ID,5B<9\%L3W+!&?^HPMQ?6
MW3'E#G3]Z7OZ.X.[=OVAL,VO&<3K\S3RMNKQ'7_;\FFF/Z8O.6%>XQVK0```
M````````````````````````````````````/Z;;<=<0TTA;KKJTMMMMI4MQ
MQQ:L)0A"$XRI:UJSX8QC\<Y"L1-IBM8UF71F^*;IRWTMZ>Z%HMW6HA<I[PA/
M)O,#BVTIF,;ILT*(IK6'UYQE:4:/0L1*I3:5J9S+C2'V_#UU>,CBIT4B/5U?
M]E.P8]ONPN,XW<8>GFMS^L;KZ8RY(C[.?]&D5QZ:Z=5;6C\:4D9Z/UL``?_2
MO\``````````````````````````````````````````````````````````
M`````TW[\]K*;ICU6Y1YTG+B.[!45.:'CFGEY3E.P<E;&EROU"MRQG*528D:
M:K,^<A'Y\5T*0O'^R69+=%9L^!]SN]MO[?\`97,]R9)K.ZQTZ,%9_+W&3X<5
M=/6(GX[QY_+I>?1S4K^^N=IO;K9]BLI=SL&QVUC?7MQ/=4_.M;FWF/6%G937
MU?F>ESILA;KB\_BI:LY([S\7(G=;G<;W<[C>;O-;)NLM[7O:TZS:]IFUK3/K
M,S,S,_3+Y)1X````````````````````````````````````````FE^#/IK_
M`)H.W]7O^U57O>)^MOTKDG9O<L^I7W&[^[>_3#57O,E;3GN+RO=MGFG$K:?A
MT[S#GAZR?'VP4ZKZSY0V$^[?V!_&7?>'E-[@ZN$XCIW&36/AOFUG]'QS_;>L
MY9B=8FN*U9_&A?F,]TW```#_T[_`````````````````````````````````
M``````````````````````````````*2W[ASN"WRYV(UWK#J%LN3I/7B.Y+W
M),5_"J^SY?V:(R[.97AK"FI2])UEQB$E>5>>/.F6#&4I4E7FPMQ?6W3'E#G?
M]ZCOR.=[KVG9VPSZ\=Q4:Y=)^&VZR1$VCZ_DX^FFOG6]LM=(TG6NZ8[50```
M````````````````````````````````````'^L>._+?8BQ6'I,F2\W'C1H[
M:WGY#[RTMLL,,MI4XZ\ZXK"4I3C*E*SC&,>(75K:]JTI69O,Z1$>,S,^41'K
M,NC'\4W3EOI;T]T+1;NM1"Y3WA">3>8'%MI3,8W39H4136L/KSC*THT>A8B5
M2FTK4SF7&D/M^'KJ\9'%3HI$>KJ][*=@Q[?=A<9QNXP]/-;G]8W7TQER1'V<
M_P"C2*X]-=.JMK1^-*2,]'ZV```'_]2_P```````````````````````````
M``````````````````````````````````&I'>?M+0]-NKO*G/5OF)(M-9HU
MU^BTDM?@G9>1;[.:O3*/+2%I?>B.W#Z'YN6O%QFNCR'O#P:R67MT5FSX;W([
MTVW8'9O-=S9^F<V''TX:3_W,]_AQ4T\YCJF+7T\8QUO;T<T;9]EOMSV38=PV
MFUEWFS[7>6VR['=SW/5G7%]>SY%I;VLUW&$X<EV%A*<><5X8\5KSDCIG6=9\
MW(;>;O<\AN]UO][FMDWF?);)DO;QM>][3:UIGZ;6F9GZY?$*,8``````````
M`````````````````````````````$W?P2=-?\RO;>'RIME5[SBOK3]*WZU]
MRSYX-SR,_(?_`$TUY7G3E#OM+.`]<NX_,GR526G,>60GQ]\%.J^L^4-B_NU]
M@?Q=WSCYK?8.KA>(Z<UM8^&^>9G]'I]>EJSEGZL<5GPLOH&<Z8`````__]6_
MP```````````````````````````````````````````````````````````
M``%*7]Q%W"<Y2Y^UKJGJ=KA[1N`F&[S=D1)'J1;;E_9ZU*\L2<(RMA[.C:C,
M;BM*QG#C,RSL&7,>*,>&%N+ZVZ(\H<\_O5=^3S7<^S[*V.;7C>+CKS:3X6W6
M2OE/I/R<4Q6/6+9,M9\E<XQVJ```````````````````````````````````
M`````/\`6/'?EOL18K#TF3)>;CQHT=M;S\A]Y:6V6&&6TJ<=>=<5A*4IQE2E
M9QC&/$+JUM>U:4K,WF=(B/&9F?*(CUF71V^+KIZQTKZ@<>\:V<!F-R5L[/ZC
M<OR4I1E]>_[1$B.2:5QY/CAQG3JB/$IT93GTW%0EO)QC+RO&1Q4Z*1'JZR>S
M785?;WL3BN(S8HCE\T?/W4^OSLD1K37Z,58KBCTGHFWY4I$#T?JH````/__6
MO\``````````````````````````````````````````````````````````
M``#5?NMV=UWI[UEY5Y]O_:R)&GZ^ZSJ-+)<RC&S;[<JQ5:9KV$H6E];$^^E,
MYE*:\RV(+;[_`(>5I7A;>T4K-I?%^X?>.T["[/YKN?==,WP8IC%2?^YFO\.*
MGTZ6O,=6GC%(M;RK+F?;AMNQ;]MFS[SM]K*O=KW+8+C:=FNIJ\+F6U]?V$BU
MM[*2K&,8R_-GRG'%>&,8\5?AC&"-F9F9F?-R#W^^W?)[[><EO\]LN^W&6^3)
M>?.U[VFUK3]<VF9>=*,0```````````````````````````````````````$
MW?P2=-?\RO;>'RIME5[SBOK3]*WZU]RSYX-SR,_(?_337E>=.4.^TLX#UR[C
M\R?)5):<QY9"?'WP4ZKZSY0V+^[7V!_%W?./FM]@ZN%XCIS6UCX;YYF?T>GU
MZ6K.6?JQQ6?"R^@9SI@`````!__7O\``````````````````````````````
M``````````````````````````````"EK^XE[D*Y,YNUCJ1I]IEW3."L,[+R
M%B,[G,6VY:V.K2N%">PG*V7\:-J%@EM"DYPIN9;365X\S./##W%];12/*/\`
MBY\_>K[^GF.XMGV-L,VO'\;IDSZ3X6W.2OA$^D_)Q6TB?2V7)6?&JM\8S4H`
M``````````````````````````````````````'^L>._+?8BQ6'I,F2\W'C1
MH[:WGY#[RTMLL,,MI4XZ\ZXK"4I3C*E*SC&,>(75K:]JTI69O,Z1$>,S,^41
M'K,NCM\773UCI7U`X]XULX#,;DK9V?U&Y?DI2C+Z]_VB)$<DTKCR?'#C.G5$
M>)3HRG/IN*A+>3C&7E>,CBIT4B/5UD]FNPJ^WO8G%<1FQ1'+YH^?NI]?G9(C
M6FOT8JQ7%'I/1-ORI2('H_50`````/_0O\``````````````````````````
M`````````````````````````````````&LW<3LKK'43K;RKS_M'MY*-%UM]
MW7J60[EK[GW6T6BITS64>129'DN=CF1VGUM84N/$]5_./*TK.+;VBE9M+Y#O
MWN[9]B]I<WW1O-)C;89FE)G_`*F:WPXL?T_'DFL3,>-:]5O*LN9MO.Z[/R3N
MFV\A;K;2+W<-YV2[VW:+J7G&9-K?[#8R+:VGO>7&$I7*G2UK\J<82GQ\,8QC
M&,$;,S,S,^;D!R7([SE^0WW*\AGG+O\`<YKY<EY\[7O:;6M/]LS,O+%&$```
M````````````````````````````````````";OX).FO^97MO#Y4VRJ]YQ7U
MI^E;]:^Y9\\&YY&?D/\`Z::\KSIRAWVEG`>N7<?F3Y*I+3F/+(3X^^"G5?6?
M*&Q?W:^P/XN[YQ\UOL'5PO$=.:VL?#?/,S^CT^O2U9RS]6.*SX67T#.=,```
M````'__1O\``````````````````````````````````````````````````
M`````````%,K]Q7W*_4+E[4>GNF6OK:GPQ[?<^3O:/>:-9\J[#59^AU#_D4M
MI[[&TZRRKS)5C*9=U)9<3AR/CPP]Q?68I'E#G_\`>M[_`/WISNQ[#X_/KL>/
MTR[C2?"VYO7X*SZ3\G%;_-EO68UHK4F,U$``````````````````````````
M`````````````!_K'CORWV(L5AZ3)DO-QXT:.VMY^0^\M+;+##+:5..O.N*P
ME*4XRI2LXQC'B%U:VO:M*5F;S.D1'C,S/E$1ZS+H[?%UT]8Z5]0./>-;.`S&
MY*V=G]1N7Y*4HR^O?]HB1')-*X\GQPXSIU1'B4Z,ISZ;BH2WDXQEY7C(XJ=%
M(CU=9/9KL*OM[V)Q7$9L41R^:/G[J?7YV2(UIK]&*L5Q1Z3T3;\J4B!Z/U4`
M`````!__TK_`````````````````````````````````````````````````
M`````````#73MIV,U7J;UVY4Y^V_++T#C[6)4^KJ7'L,+V3:IJVZO4-7CKQ^
M=+VP[)-C1<K3C/HMN*=SCRH5G%M[12LVE\IWQW9LNR.U.:[GW^DXMKAFU:ZZ
M?,R3\.+''UWR36NOI$S/E$N95O>[;-R5NVW<B;I:/W>W[ULMYMVSV\E65/V5
M_L5E)MK::YXYSX9D3I:U>&/P3C/AC\,$;,S,S,^;C[R7([SE^1W_`"O(9IR;
M_<YKY<EI\[7R6FUI_OF9>4*,$```````````````````````````````````
M````$YGP-]+FNR?:O',.Z4_ON*NM'TG<GVY32LP+[E*8^\KCBD7C/D3)9I9-
M?(O)&$J4E*ZZ,R^C+4KP5[X*=5M9\H;(?=H]OJ]W=Z_O[D,'5PG#].6=8^&^
MYF9^13ZXI-;9K>?CCI6T:7\;WYG.E8```````!__T[_`````````````````
M`````````````````````````````````````````"G#^XQ[E?>G)FF]-=,M
M?4USBKV>_<L>T>\69W(U[6*^U->D^17@O[1U&R5+7CQRE3]SA*L8<C8\,/<7
MUF*1Y0T&^]?W_P#O#F./[`X_/KM-EIFW.D^$Y[U^SI/^EBMU3_BRZ3XT5DC&
M:>@```````````````````````````````````````_1#AR["7%@0(LB=.G2
M&(<*%#8=DRYDN2ZEF-%BQF4K>D2)#RTH0A"<J6K.,8QG.0OQX[Y;TQ8J3;):
M8B(B-9F9\(B(CQF9GPB(\W2'^,WJ#$Z4]1...)I<2.UR#;1\[]R]-9]):IG)
M6U18CUQ"5):SEN5'U2!'BTL9U/@EZ/7(=\,*<5XR..G12(]76GV?[$I[>=B\
M3P>3'$<I>/G[J8]=QDB)M&L><8JQ7%6?6N.)\YEOX>C]/````````/_4O\``
M```````````````````````````````````````````````````````:_=J>
MP6K]5^O/+'/NW+8S6<;ZC87$.O?=]'Z_LK_DK=1U=AS&<93*V?:)L2`WG_H0
MJ1A6<X3C.<6WM%:S:?1\OWKW3LNR^U>;[GWTQ\G:8+6BLSIUY)^'%CCZ\F2:
MTCZ.K7R<R?D3?MJY5WW<^3-YM'KO<M^V>[V_9[9_QPN=>;!8R+2Q?2CQREEE
M4F2K#;:?R--XPA.,)3C!&S,S,S/FX^<KR>]YOD^0YCDLTY-_NLU\N2T^M[VF
MUI^J-9\(\HCPCP>-*(\```````````````````````````````````````$Z
M7P*=-?\`,3VP;YHVVJ]WQ?UE^E[FOW3/GA77*LUV1^F]0GU$I2]]"DP9%ZZI
MM2LLO5L5#B?))QX^^"G5?6?*&R/W9NP/XK[WCN#?8.KAN'Z<OC'A?<S,_(K]
M?1,6S3IY3CI$QI=>Y,YTJ`````````'_U;_`````````````````````````
M````````````````````````````````%/?]QMW*^Y]ZTCI;I=KYZ;CSV')/
M,7M'OR2MWN:U?V-JLOTU)7_RWJMBY9OM*\[3KEQ%5^#L;\,3<7UF*0T-^]CW
M_P#IG)<=[>\?G_5]KT[C=:3YYKU^QQS_`*>.TY)CQB9RTGSHJ^&*TV``````
M`````````````````````````````````!^B'#EV$N+`@19$Z=.D,0X4*&P[
M)ES)<EU+,:+%C,I6](D2'EI0A"$Y4M6<8QC.<A?CQWRWIBQ4FV2TQ$1$:S,S
MX1$1'C,S/A$1YND/\9O4&)TIZB<<<32XD=KD&VCYW[EZ:SZ2U3.2MJBQ'KB$
MJ2UG+<J/JD"/%I8SJ?!+T>N0[X84XKQD<=.BD1ZNM/L_V)3V\[%XG@\F.(Y2
M\?/W4QZ[C)$3:-8\XQ5BN*L^M<<3YS+?P]'Z>`````````/_UK_`````````
M```````````````````````````````````````````````,"]H.?M5ZM]?^
M5>?=SQZU+QIJ<Z\17)=PR]?7CBFJ[5]9BO92M+,O9MEFQ(#2U8\C:Y&%*\$I
MSG%MK16LVGT?,]Y=T;+LSM?F^Y^0\=OL\$WZ?*;W\*X\<3Z3DR36D3Y1-M9\
M',HY/Y(V[F'D;>.5=]LUW&Z<B;5>;CLUBK"DHD7%_8/V,S$9E2W,18+#K^6X
M["<^1AA"&T8PE.,8C9F9F9GS<?.9Y;?<]RW)<UR>;YG(;O-?+DM]-[VFTZ1Z
M1$SI6/*L1$1X0\*41H```````````````````````````````````````)TO
M@4Z:_P"8GM@WS1MM5[OB_K+]+W-?NF?/"NN59KLC]-ZA/J)2E[Z%)@R+UU3:
ME99>K8J'$^23CQ]\%.J^L^4-D?NS=@?Q7WO'<&^P=7#</TY?&/"^YF9^17Z^
MB8MFG3RG'2)C2Z]R9SI4``````````'_U[_`````````````````````````
M```````````````````````````````*AO[CGN5]:VC1NE.EVOFKM1^G\G<S
M>T>_*]LUE"<_3_49GIY2O'T>AFN6\AE?G:=58P5X\'&/PQ-Q?QBD?WM%/O8]
M_P#Z1O.-]O./S_98.G<;O2?/):/L,4_\E)G+:)UB?F8I\ZJLQBM+P```````
M````````````````````````````````?HAPY=A+BP($61.G3I#$.%"AL.R9
M<R7)=2S&BQ8S*5O2)$AY:4(0A.5+5G&,8SG(7X\=\MZ8L5)MDM,1$1&LS,^$
M1$1XS,SX1$>;I#_&;U!B=*>HG''$TN)':Y!MH^=^Y>FL^DM4SDK:HL1ZXA*D
MM9RW*CZI`CQ:6,ZGP2]'KD.^&%.*\9''3HI$>KK3[/\`8E/;SL7B>#R8XCE+
MQ\_=3'KN,D1-HUCSC%6*XJSZUQQ/G,M_#T?IX``````````?_]"_P```````
M```````````````````````````````````````````````&#^RG/.G]8N".
M4.>=Z=QC7>--4GW[D/#R([]W:_DA:[K,%US"D(LMGV&7%KXV58\N'Y*<J\$^
M.2VUHK6;3Y0^<[N[FV'9W;7,]S<E/ZIL\%KZ:Z3>WECQQ/YV2\UI7Z[1JYE'
M+?*.X<V\G[]R[O\`8YM-SY'VNZV_8IGY\,YL;N<[-<C0VEK7[6M@I<2Q%8QG
MR,1FT-I\$IQ@C9F;3,SYRX^<[S._[BYGD^=Y3+U\AN\]\N2?3JO,SI$>E:^5
M8\JUB(CPACLHB@```````````````````````````````````````3M_`ITK
M5V)[2(YTV^LQ)XMZS2:K:4HEL97#V'E:9[IWC^J:RO&$NXUB1#7>/Y0K.67H
M<-#B?))QX^^"G5;JGRALI]V;V]GNOO..Y-_AUX7A[5R>,>%]S.LX*Q]/RYB<
MUM/*:8XF-+KV!G.DX```````````/__1O\``````````````````````````
M````````````````````````````!4@_<?=QF["VX_Z3:;9(6S0KKN5^9E1G
M,9RFXF0Y#7'&GR<IREQI<.GFOW,IE?F;=3-K7$^"F\F)N+^5(_O:-?>S[^C+
MGXOV[V&;6N+IW.[T_.F)C!BG^RLVRVB?">O#/G"JF8K2D```````````````
M````````````````````````'[*ZNGW%A`J:J%*L;2TF1:ZMKX3#DF;/GS7T
M1H<*)&92MV1*E2'4H;0G&5+6K&,8SG(>F+%ESY<6#!CM?->T5K6(UFUIG2(B
M(\9F9\(B/.725^.#J-`Z5=2>-.'%QXJ=W?AYW7EBPC>FOZGR9M+$63L*,R6L
M^G+BZ\RS'IXCN,8]2%7-+SCS*5XR6.G12*^KK=[2]BXO;WL;B.`FE?WC-?F[
MFT?E;C)$3?QCSBD17%6?6F.L^<RWJ+WZ2```````````#__2O\``````````
M```````````````````````````````````````````##?87F_3NMO"7)O.N
M_/\`I:KQEJ=ELT]A+J&)%M*80F/2Z[7N.X4UBVV>\D1JZ'A7Y52I3>,^&,^)
M2UHK6;3Y0@.Z>X]AVCV[S'<G)VTV6SP6R6C72;3'A3'77PZLEYKCI_BM#F2\
MT<M[CSSRSR'S-R!.^H;ER5MESMU\^G*_;LRK>6Y(;KJ]MQ:\QJFIC9;BPV,9
M\K$5EMM/Y4XP1EIFTS,^<N/G</.;_N;G.5[@Y3)U[_>9[Y;SZ1-IUZ:_16L:
M5I'Y-8B(\(8R*(8```````````````````````````````````````$\_P``
M_37]?NTKO/.W57NN-.L_T_9(?NF?-"NN6[++_P!AP$>IA*7OM=,5^[<4VK*H
M\J)"PM/D?QXY&"G5;JGRC_BV8^[%V!_$_>ENYM]@ZN(X?IR1K'A?=6U^37Z_
MEZ6S3I^+:N/6-++TAFND8````````````'__T[_`````````````````````
M`````````````````````````````````J7?N0>X'K2N-^EFFW/^'#]KRQS0
MQ$<_Z93S:X_&>JS7&EX5CT8KDRXE17$Y2KUJQ_'XI3DQ-Q?RI#1[[VG?G5?B
M?;WC]QX5TW.[B/IGPV^.?[(ZLMJS].&WHJBF*TE`````````````````````
M``````````````````!^RNKI]Q80*FJA2K&TM)D6NK:^$PY)FSY\U]$:'"B1
MF4K=D2I4AU*&T)QE2UJQC&,YR'IBQ9<^7%@P8[7S7M%:UB-9M:9TB(B/&9F?
M"(CSETE?C@ZC0.E74GC3AQ<>*G=WX>=UY8L(WIK^I\F;2Q%D["C,EK/IRXNO
M,LQZ>([C&/4A5S2\X\RE>,ECIT4BOJZW>TO8N+V][&XC@)I7]XS7YNYM'Y6X
MR1$W\8\XI$5Q5GUICK/G,MZB]^D@````````````?__4O\``````````````
M``````````````````````````````````````&)N=N9=.Z\\.<D<V[_`"_:
M:CQGJ=MM5MY5MHD3O8,9]A35_JYPARVO[-QF##;S_O94AM'_`&BEIBL3:?*$
M'W+S^P[5X#ENXN4OT['9X+9+?3/3'PTK_BO;2E8];6B',EYVYEW'L-S'R1S;
MO\OW>W<F;9;;5;>5;BX\'W[^?84U?ZN<K;J:"L;9@PV\_P"ZBQVT?]DC;3-I
MFT^<N/G<O/[_`+JY_ENXN4OU;[>9[9+?1'5/PTK_`(:5TI6/2M8AB<M08```
M````````````````````````````````````)Y_@'Z:_K]VE=YYVZJ]UQIUG
M^G[)#]TSYH5URW99?^PX"/4PE+WVNF*_=N*;5E4>5$A86GR/X\<C!3JMU3Y1
M_P`6S'W8NP/XG[TMW-OL'5Q'#].2-8\+[JVOR:_7\O2V:=/Q;5QZQI9>D,UT
MC``````````````?_]6_P```````````````````````````````````````
M`````````````5/_`-R!W#=91QYTHT^S\J)3-?RWS)F)(3GU&DORXW'.GS<-
M+SE/@_'D74J.[C&?RUCR?PSC.<7<7\J0TC^]IW[:L<5[>;#-X6BNYW6D^FLQ
M@Q3I]<6RVK/_`.&T*FAB-(``````````````````````````````````````
M``?LKJZ?<6$"IJH4JQM+29%KJVOA,.29L^?-?1&APHD9E*W9$J5(=2AM"<94
MM:L8QC.<AZ8L67/EQ8,&.U\U[16M8C6;6F=(B(CQF9GPB(\Y=)7XX.HT#I5U
M)XTX<7'BIW=^'G=>6+"-Z:_J?)FTL19.PHS):SZ<N+KS+,>GB.XQCU(5<TO.
M/,I7C)8Z=%(KZNMWM+V+B]O>QN(X":5_>,U^;N;1^5N,D1-_&/.*1%<59]:8
MZSYS+>HO?I(`````````````#__6O\``````````````````````````````
M`````````````````````,9<T<MZ=P-Q-R'S-R!.^GZ;QKJ=SMU\^G*/</1:
MB(Y(;KJ]MQ:,2;:VDX;BPV,9\S\IYMM/YE8P4M,5B9GRA#]P\YL.V>#Y7N#E
M,G1L-G@OEO/K,5C7IK]-K3I6D?E6F(CQES)>PO-^X]DN;>3>==^?]7:N3=LL
MMFGL)=6_'J8KZTQZ77:]QW"7<U.L4<>-70\*_,F+%;QGQSCQ(VUIM:;3YRX]
M]T]Q[_N[N+F.Y.3MKO=YGMDM&NL5B?"F.NOCTXZ17'3_``UAALM0````````
M````````````````````````````````)ZO@(Z8N<^]HE\_;?3KD\7]:EPM@
M@.2X^55][R_.PM6CUC2W$I;D+U-MMV\>RVK*XTF-`PXGR2$^.1@IU6ZI\H_X
MMF?NQ>W\]S]Y3W1O]OKPW$:7KK'PWW4_]&L?3\KQS3I.M;5Q:QI=>A,UTB``
M`````````````/_7O\``````````````````````````````````````````
M`````````*J'[CON5[*JT/I)I=KX2+GZ;RIS7[1[_8JHDES]-],F^GE:%>]L
MXSMY*8<PEQOVE8ZGQ0[^.+N+^5(_O:4?>R[_`/EX>,]N^/S_`!9.G<[O2?R8
MG[#%/]MHG-:L^,=.&T>%E2,Q&C8`````````````````````````````````
M``````/H5%3:7]M645)`EVMS=6,*IJ*N`PY*G65I926H<"!"C-)4[(ES);R&
MVT)QE2UJQC&/')5ZX,&;=9\.VVV*U]QDO%:UK&MK6M.E:Q$>,S,S$1'K+I1_
M'GU+J^EG4_C#A%IF(K;8U=G:^4K2)EMQ-UR?L[4>9M4C$EK\DV)4+;9J83WA
MC*ZZNC^;'F\21QTZ*17U=<_:OL?#[>]D<-V[6M?TZ*?,W%H_+W&2(G).OK%?
M#%2?7'CIKXMV"]^A@``````````````'_]"_P```````````````````````
M``````````````````````````!COESE'3^$N,-^Y=W^PQ5Z9QQJEUM^Q3/R
M9>Q74D%V8Y&AM+6WB593UMI8BL8SYWY+B&T^*E8P4F8K$S/E"*YWF=AV[PW)
M\[RF7HX_:8+Y<D^O32)G2(];6_%K'G:TQ$>,N9-V3YWV[LYSORESUO*_^8^3
M=LG["_$2ZI]FFK/!J!KNMPWEI2XY7:OKD*)71LJQYO;Q4>;QSXY(VUIM:;3Y
MRX^=W=R[[O'N7FNYN2G];WF>UYC76*5_%QXXG\W'CBN.OKTUAA$M?.``````
M``````````````````````````````````G]_;]=-?UR[-S>Q>X57N>.>M/L
MK2D]TSYH=US'<-O_`&>PUZF$I?\`LN$T_=.*;5YXLYNNRK'E>_'(V].JW5/E
M#9_[KW8'\2=X9.[-_@UXGB-+4UCPONK:_*B/I^5$3EG3QK>,6OA9>.,UT<``
M``````````````'_T;_`````````````````````````````````````````
M`````````%67]QSW*^BZQHW2G2[7RV&V_3^3N9_:/?F9UFMFN?I_J,STU*1G
MZQ?0G+>0RO"'6DUT%S'BV_\`CB[B_A%(_O:7_>Q[_P#T?9\;[><?G^US].XW
M>D^6.L_88I_Y[Q.6T3I,?+Q3Y65#C$:*````````````````````````````
M````````````^A45-I?VU914D"7:W-U8PJFHJX##DJ=96EE):AP($*,TE3LB
M7,EO(;;0G&5+6K&,8\<E7K@P9MUGP[;;8K7W&2\5K6L:VM:TZ5K$1XS,S,1$
M>LNE'\>?4NKZ6=3^,.$6F8BMMC5V=KY2M(F6W$W7)^SM1YFU2,26OR38E0MM
MFIA/>&,KKJZ/YL>;Q)''3HI%?5US]J^Q\/M[V1PW;M:U_3HI\S<6C\O<9(B<
MDZ^L5\,5)]<>.FOBW8+WZ&````````````````/_TK_`````````````````
M````````````````````````````````/"\G\D:CP]QSO'*N^V:*?2^.]5O-
MQV:Q5A*EQZ>@KW[&9B,RI;>94Y]IC+<=A.?.^^M#:,94K&,TF8B)F?)&\SRV
MQX'B>2YKD\WR^/VF&^7);Z*4K-ITCUF8C2L>=IF(CQES(^S?/6U=G^?N5^>]
MR4XBZY,W"TV!%>N0J4W04BEIAZQJT20O"5NP-5UN+$KHZLX\V68R<Y_'.<D;
M:TVM-I]7'OO'N;>]Y=S\WW-OYG](WFXM?IUUZ*>6/'$^M<>.*XZ_56&"BU\T
M```````````````````````````````````````"?W]OUTU_7+LW-[%[A5>Y
MXYZT^RM*3W3/FAW7,=PV_P#9[#7J82E_[+A-/W3BFU>>+.;KLJQY7OQR-O3J
MMU3Y0V?^Z]V!_$G>&3NS?X->)XC2U-8\+[JVORHCZ?E1$Y9T\:WC%KX67CC-
M='``````````````````_]._P```````````````````````````````````
M`````````````"KY^XV[E?;&BZ1TMTNU\ESR'[#DGF+VCWYXND4UDO[&U67Z
M:E(_YDVJN<LWVE>1UINGBJ_%J3^.-N+Z1%(:;?>Q[_\`T/C>.]O>/S_K&ZZ=
MQNM)\L-+?8XY_P!3)6<DQX3$8J3Y74]S#:&@````````````````````````
M```````````````^A45-I?VU914D"7:W-U8PJFHJX##DJ=96EE):AP($*,TE
M3LB7,EO(;;0G&5+6K&,8\<E7K@P9MUGP[;;8K7W&2\5K6L:VM:TZ5K$1XS,S
M,1$>LNE'\>?4NKZ6=3^,.$6F8BMMC5V=KY2M(F6W$W7)^SM1YFU2,26OR38E
M0MMFIA/>&,KKJZ/YL>;Q)''3HI%?5US]J^Q\/M[V1PW;M:U_3HI\S<6C\O<9
M(B<DZ^L5\,5)]<>.FOBW8+WZ&`````````````````'_U+_`````````````
M```````````````````````````````````>,Y&W_5N*=`W3DW>+)NGT[0-7
MO-PV:S=RGPATFO5LBTL74(6M&'G_`&T96&V\9PIQS*4)_'."DS$1,SY(_EN4
MV7"<7R',<CFC'L-KAOER6^BE*S:T_7.D>$>L^#F1]H^P6W=J.P'*?/V[*6B[
MY(VJ9<,UV7U26=?H&4MUVJZM#>7A*G(.KZU"B0&59QA2T1\*5XJ5G.8VUIM:
M;3ZN/?>?=.^[U[HYKN?D9_6-WFF\5UUBE(^''CB?HQXXK2/IBNL^,L!EKY@`
M``````````````````````````````````````$_O[?KIK^N79N;V+W"J]SQ
MSUI]E:4GNF?-#NN8[AM_[/8:]3"4O_9<)I^Z<4VKSQ9S==E6/*]^.1MZ=5NJ
M?*&S_P!U[L#^).\,G=F_P:\3Q&EJ:QX7W5M?E1'T_*B)RSIXUO&+7PLO'&:Z
M.```````````````````_]6_P```````````````````````````````````
M````````````%9+]QCW*^R^,]-Z:Z9:^GL?*OL]^Y8]H]X/0>.:*S5]J:])\
MBO%'W=MU:J6O'CA26*;"58RW)QXXVXOI$4CSEI[]Z_O_`/=_#\?V!Q^?3=[W
M3-N=)\8P4M]G2?\`5RUZI_PXM)\+J<)AM!@`````````````````````````
M``````````````?6H*&YVF]I=8UVMEW.P;';5U#14\!I3\ZUN;>8S7UE;"83
M^9Z7.FR$--HQ^*EJQ@KY^#WVNVW&]W.WV>TPVR;K+>M*5K&LVO:8K6L1ZS,S
M$1'TRZ5/0+J;1=+.K'&G!U:S#7L=?6IV/DRYAXQE.R<G[#'C2=NM<OXQA4J+
M%D--UT%:L>;%;!C(S_L$CCIT5BKKI[8=D;;V][+X?MS%6OZ76GS-Q>/^YN+Q
M$Y;:^L1.E*3_`/UTI'HW,+WZ```````````````````#_]:_P```````````
M```````````````````````````````````/'<A;YJ_%FA[GR7N]FW3:=H&K
MWNX[1:NX\R8%#KE9)MK23AO&<*><;AQ%Y0VG\SB_!*<9SG&"DS$1,SY,#E>3
MV7"\9R'+\CFC'L-KAOER6G\FF.LVM/U^$3I'K/A#F7]M.QFU=LNQ/*G/VWY>
M9G\@[/*GU=2X]E]&MZK"0W5ZAJ\=>/R*9U[6X4:+E:<8]9QM3N<>9:LYC;VF
M]IM+C_WQW9O>]^Z^:[GW^L9=UFFU:ZZ_+QQ\.+''U4QQ6NOK,3/G,M=2U\F`
M``````````````````````````````````````"PI^WOZ:_K-V,M^S>XU7N.
M/NN?H?:WNF?-#N>8[R*Y]$]+SIRU(^QJ1;MHYX9PY&G/5KF/PR9&WIK;JGRA
MM-]UKL#^(.[,_>&_P:\7Q.GR]8\+[J\?!I]/R::Y)]:WG%*[N9KHJ```````
M````````````!__7O\``````````````````````````````````````````
M````"M3^XK[E?I[Q#J/3W3+7T=LYG]ON?)WM'O+)K.*M>M<_0ZA_R*0ZS]\[
MC6Y5YDJSA42EDLN)RW(QXXVXOI$4CSEJ)]ZWO_\`=?!;'L/C\^F^Y#3+N-)\
M:[:EO@K/K'SLM?\`+BO68TNIE&&Y_@``````````````````````````````
M`````````^M04-SM-[2ZQKM;+N=@V.VKJ&BIX#2GYUK<V\QFOK*V$PG\STN=
M-D(:;1C\5+5C!7S\'OM=MN-[N=OL]IAMDW66]:4K6-9M>TQ6M8CUF9F(B/IE
MTK>@W5.FZ8]5N+N"X*(CNP5%3B^Y&N(F$Y3L')6QI;L-OLL/XPE4F)&FJQ`@
MK7^?%="CHS_LDCCKT5BKKM[8]D[?V_[*X;MO'%9W6.G7GM'Y>XR?%EMKZQ$_
M!2?/Y=*1Z-R"]]\```````````````````!__]"_P```````````````````
M``````````````````````````>5WG==8XVTO;>0MUMH]%I^C:W=[;M%U+SG
M$:JH->KI%M;3WO+C*E(BP8BU^5.,J5X>&,9SG&"DS$1,SY,+DN1V?$<?ON5Y
M#/&+8;;#?+DO/E6E*S:UI_LB)ES-NXG979^W?9+E7G_:/<1E[ULC[NO4LAW#
MOVQI56A%3IFLH\BE1_/3:Y#CM/K:PE$B7ZK^<>9U6<QU[3>TVER![][NWG?7
M=O-]T;S6)W.:9I29_P"GAK\.+']'P8XK$S'A:W5;SM+6<L?'@```````````
M````````````````````````````L*?M[^FOZS=C+?LWN-5[CC[KGZ'VM[IG
MS0[GF.\BN?1/2\Z<M2/L:D6[:.>&<.1ISU:YC\,F1MZ:VZI\H;3?=:[`_B#N
MS/WAO\&O%\3I\O6/"^ZO'P:?3\FFN2?6MYQ2N[F:Z*@`````````````````
M```/_]&_P`````````````````````````````````````````````5N?W%/
M<-KCGA#5>H^IV?I[ESB[&VOD!,60IN34\4ZQ;)=KX4C#2VW6_O?<:Y*$9QE2
M'(E1,:<3E+N#'W%]*Q2/.?\`@U)^];W[7B>W-EV-L<VF_P"2F,F?2?&NVQVU
MK$^OVV6ND>DUQ9*S&EE+HPG/H```````````````````````````````````
M````'UJ"AN=IO:76-=K9=SL&QVU=0T5/`:4_.M;FWF,U]96PF$_F>ESILA#3
M:,?BI:L8*^?@]]KMMQO=SM]GM,-LFZRWK2E:QK-KVF*UK$>LS,Q$1],NE;T&
MZITW3'JMQ=P7!1$=V"HJ<7W(UQ$PG*=@Y*V-+=AM]EA_&$JDQ(TU6($%:_SX
MKH4=&?\`9)''7HK%77;VQ[)V_M_V5PW;>.*SNL=.O/:/R]QD^++;7UB)^"D^
M?RZ4CT;D%[[X````````````````````!__2O\``````````````````````
M``````````````````````/.;AMNNZ#J>S[SM]K%HM4TW7[C:=FNIJLHB5-!
M05\BUM[*2K&,JPQ"@17'%>&,Y\$_AC.1,Q$3,^3$W^^VG&;'><EO\]<6QV^*
M^3)>?*M*5FUK3]45B9<S[NKV=V+N%V:Y5Y]V#W4>/N&P.M:C2R7,+SK.A4R<
M56F:]A*%*80_`H8K.92FL)0_.<??\/,ZKQC;VF]ILY">X?>.[[][PYKN?==4
M4SY9C%2?^WAI\.*GT:UI$=6GA:\VMYVEJP6/B@``````````````````````
M`````````````````6%/V]_37]9NQEOV;W&J]QQ]US]#[6]TSYH=SS'>17/H
MGI>=.6I'V-2+=M'/#.'(TYZM<Q^&3(V]-;=4^4-IONM=@?Q!W9G[PW^#7B^)
MT^7K'A?=7CX-/I^337)/K6\XI7=S-=%0`````````````````````#__T[_`
M```````````````````````````````````````````"N3^XE[@?I=P)JO57
M4+GVVZ\]R$WV]LQ'/++KN(-9GX4F.^I"VWHJ-WW"(U';4GS(D1*N>PO'E7X*
MQ]Q?2L4CSG_@U/\`O5]^?N;MG9=E;#<:<CR<]>:(\Z[7';RGUCYV6(K'I:N/
M+6?"5*HPG/0```````````````````````````````````````'V]8UJ^W/9
M->T_5JJ7>;/M=Y4ZUKE)`;]6=<7U[/CU=150FLY3AR786$IMEM/CCQ6O&"L1
MK.D>;)V>TW/(;O:[#98;9-YGR5QXZ5\;7O>T5K6(^FUIB(^N72NZ&]4*'I;U
M=XTX'JEQ)MS25R[OD"_B->FG9^1=@RB=M=QA2L8==B-2\IA0<N?XB*Z'';5^
M*"1QTZ*Q5UU]M.R-M[>]F\1VU@FMMQCIUY[Q_P!S/?QR6^G37X*:^,8ZTB?)
MN$7OO0`````````````````````#_]2_P```````````````````````````
M```````````````!\/9]EH=,UO8=PVFUB4>L:I1VVR['=SW/2@T]#10)%I;V
MLUW&%9;B5]?%<><5X9\$(SD3.D:SY,;>;O;<?M-UO][FKCV>#';)DO;PK2E*
MS:UIGZ*UB9GZH<T;O/VEONY/:+E3GJWS+CU>S7BZ_1:26OQ5K7'5#C-7IE'E
MI"U,,RVJ=A#\W+7@V]8R)#WAXNY(V]NNTV<AO<CO3<]_]Y<UW-GZHPYLG3AI
M/_;P4^'%33RB>F(M?3PG):]O5J26/A@`````````````````````````````
M``````````6*OV\G37]6N?=@[5;C5>XT3KYX5>D>Z9\\.XYCV"O5Z#[7GPMB
M1]@ZO+7-<3G&%L3K&N?;SXHSX9&WIK;JGRAM;]U?L#]^=S[KO7?X->-XOX<.
ML>%]U>OA,>D_)QS-Y]8O?%:/)=A,UT.```````````````````````'_U;_`
M``````````````````````````````````````````%=?]PYW&<XCZ_:[U:T
M^R7&W;L,MRQW1R*XI$BIX@UJ>RJ7%6M&4.LKWK9FFH:<I4I#L"#8,N)\KF/'
M'W%]*Q6/.6J?WJ._IX+M?:=F;#-IR/*_%ET\Z[7',:Q],?.R1%/HFE,M9\U)
MPPG/````````````````````````````````````````'V]8UJ^W/9->T_5J
MJ7>;/M=Y4ZUKE)`;]6=<7U[/CU=150FLY3AR786$IMEM/CCQ6O&"L1K.D>;)
MV>TW/(;O:[#98;9-YGR5QXZ5\;7O>T5K6(^FUIB(^N72YZ,=6J'IMU=XKX%J
M,1)%IK-&BPWJ[B(\$[+R+?9Q:;G>8=6A+[T1VX?6Q"P[XN,UT>.SX^#6"1I7
MHK%77GVW[+VW8'9O"]LX.F<V''U9KQ_W,]_BRWU\YCJF:TU\8QUI7T;;E[[D
M```````````````````````?_]:_P```````````````````````````````
M``````````#Y-_?4VK45UL^Q642FU_7*FQOKVXGNI8@U5-40WK"SLIKZORLQ
M(,*.MUQ>?P2A.<CR\7ANMSM]EMMQO-WFKCVN*EKWM:=(K2L3:UIGTB(B9F?H
MAS4>_/:RY[G=J>4>=)RY;6OV]MFAXYIY>585K_&NN*<K]0K<L9RI,:7)A)S/
MG(1^3-C-D+Q_M$;DMUVFSD5[G=[;CW`[UYGN3)-HVN2_1@K/Y&WQ_#BKIZ3,
M?'>/+YE[SZM."Q\````````````````````````````````````````"Q5^W
MDZ:_JUS[L':K<:KW&B=?/"KTCW3/GAW',>P5ZO0?:\^%L2/L'5Y:YKB<XPMB
M=8US[>?%&?#(V]-;=4^4-K?NK]@?OSN?==Z[_!KQO%_#AUCPONKU\)CTGY..
M9O/K%[XK1Y+L)FNAP````````````````````````?_7O\``````````````
M````````````````````````````KU_N$.Y7Z,]<ZCK)IUK[?D'L9Z_W3[5[
MRS*;ARCE-_6_5\BL.Q_OF[0U5M^.,MR8+-DWG\<&/N+Z5Z8\Y:L_>E[_`/X?
M[3P=G[#/IRG+:_,TGQIM:3\>OT?.OICCTM2,L*1!A.=0````````````````
M```````````````````````/MZQK5]N>R:]I^K54N\V?:[RIUK7*2`WZLZXO
MKV?'JZBJA-9RG#DNPL)3;+:?''BM>,%8C6=(\V3L]IN>0W>UV&RPVR;S/DKC
MQTKXVO>]HK6L1]-K3$1]<NEST8ZM4/3;J[Q7P+48B2+36:-%AO5W$1X)V7D6
M^SBTW.\PZM"7WHCMP^MB%AWQ<9KH\=GQ\&L$C2O16*NO/MOV7MNP.S>%[9P=
M,YL./JS7C_N9[_%EOKYS'5,UIKXQCK2OHVW+WW(`````````````````````
M```?_]"_P````````````````````````````````````````'SK>VJZ"IL[
MV[GQ*JFI:Z;;6]I/?;BP:VKK8SLR?/FR75):CQ(<1E;CBU9PE"$YSG/A@/+/
MGP[7!FW.YRUIM\=)M:UITK6M8UM:9GPB(B)F9](<UKY"NV%AW0[9<I<X*5(;
MU2=9IUCC*MDH4TY4\9ZNIVNU1IV.YCU(LZV8PY:36LY5ANPGOX3GRX3C$;DO
MUWFWHY&>Z?>^7W![WYKN.9F-E:_R]O6?#IV^/X<4:>DVC7)>/2][:>&C2HL?
MG@```````````````````````````````````````+%7[>3IK^K7/NP=JMQJ
MO<:)U\\*O2/=,^>'<<Q[!7J]!]KSX6Q(^P=7EKFN)SC"V)UC7/MY\49\,C;T
MUMU3Y0VM^ZOV!^_.Y]UWKO\`!KQO%_#AUCPONKU\)CTGY..9O/K%[XK1Y+L)
MFNAP`````````````````````````/_1O\``````````````````````````
M``````````````!`#^X%[E?H;UDA==-/M?;<C=EO>U=W[5[RS*7ARG<8^\'W
M?3RI3'WI-=8I6TN)\DJ"Y8X3GS,_AX;B_37ICSEK!]Z'O_\`AOL_'VGL,^G+
M<OK6^D^--K73YLS]'S9F,4:^%J3ET\:J.1@N<8``````````````````````
M`````````````````/0:GJNQ;UM.N:3J%1,V#:]OO:G6=9HJYO#L^YO[V>Q6
M5%7";RI*5RI\^4VTC&<XQYE8\<XQ^)6(F9B(\V5L=EN^2WNTX[88+9=]GRUQ
MXZ5\;7O>T5K6/KM:8B'2TZ,=6J'IMU=XKX%J,1)%IK-&BPWJ[B(\$[+R+?9Q
M:;G>8=6A+[T1VX?6Q"P[XN,UT>.SX^#6"1I7HK%77CVW[+VW8'9O"]LX.F<V
M''U9KQ_W,]_BRWU\YCJF:TU\8QUI7T;;E[[D````````````````````````
M`'__TK*_PC]Z,]MNK\70=WN<SN;>OK%5IFVN3I27;3:]-4PXSHN\+RXXN5,?
M?@0EUU@\KSN*GPE/.9QF4WC/CAOUUTG\:&OOW=O<C^.>S:<9R.XZNXN+BN++
MK.MLF+33#F^F9FL3CO/C,WI-I_'A-">S8(``````````````````````````
M```````````?BL;&!3U\^VM9L6MJZN%*L;*QFOMQH4"!"87)F39<EY2&H\6+
M':4MQ:LX2A"<YSG&,!YY<N+!BRY\^2M,-*S:UIG2*UB-9F9GPB(CQF9\H<V'
MY%^U\WN=VYY4YH1+EO::Y9_:'%<*5A;?TOC'57'X.L(1%<_/">N\J?MY;.<Y
M\D^R?\,^'@1V2_7>;>CD=[K][Y/<#OKFNX8O:>/F_P`K;1/Y.WQZUQ^'I-_'
M+:/2^2S1\\WYR```````````````````````````````````````"R!^W<Z:
M_J=S=L_;;<JKU]+X*]37./?=L^>);<N;!6Y]U/9\Z5LO_8FI3LO*2K&%-S;6
M$\VKS,Y\,G;TUM-Y\H_XMM/NJ=@?OCN+>=\\A@UX_C?L\&L>%MU>OC:/2?DX
MK:_5?)CM$ZU72S,=!P``````````````````````````/__3U)^/+N#>=(>T
MN@<TP\RY>H>XSJG*E!%4O.=AXUV!^.SL3#;"%MXDV=+EIJTKT*4E"K""SA>?
M3RO&8['?HM$^CD3[5]^;GVZ[SXON''U6V&ORMS2/R]O>8C)&GK:FD9*1Y==*
MZ^&KI*:UL=%N.NT&W:O:P[W6=II:K8]=NZY[$BON:*\@L6=1:P'T_E?AV%?*
M;>:7C\%(7C/_`%DCY^,>3K=M-WMM_M-KOMEGKEV>;'7)CO6=:WI>(M6U9]8M
M68F)^B7V@R````````````````````````````````````"!?Y^.Y7Z`]6FN
M!=1M?:\E]F/J&N3/:O>6;2\1UOH??D]?IJRIG[I5*8I&TN)PF1%ESLH5YV,^
M'AGOTTZ8\Y_X-9_O.]__`,,=EU[9V.?IY?F.K'.D^--K73YUOJ^9K7#&OXU;
M9-)UJHN&"YN`%DWX0>N_#NLZ5M?;CLIH^J;GK_)7+O%W4+@?6-[U^GV"JNMR
MY%WG68.S;#`JMC@SZQ^56O38;<:4E&',-0;2.VOSJRC.3@K$1-[1YSI#;C[N
MG:O`;/CM[WSW=QV#<;7>;_;\7LL>:E;UOESYL<9+UKDBU9FLS6*VTUTIFK$Z
MSHU/KNLFLX^<Q77NPU"@F:!CN;87_P!AS*2)+U1_C;%_)Y8A:G,UZ:P_73M8
M5I7IQ'8CS:XS\/Q0I*FU9QFSICY_3IX:OB,79^S_`/\`H^>ULNPQ6XO^(+7^
M3-(G'.WZYW,8II,36<?RM*S68FLT\)B8EN/\Z_0?BG2Z35>W?573]%UGC6JO
M+#A;G#4>*Z&DU[4]1W37[V=1U6R9H-:B1*NGER+N/)HKGP:82B>S!SY5NRG%
MYOSXXC2]8\/5]]]Y/VRX3C]OLN^NRMAML/$4R6VF\Q;:E*8L66E[4KDZ,<16
MLS>+8<OA&EXQ>$VO,O/=W>M/$FJ:'\)'!>J\2\=:WR/S?6<;-<Q['0Z%K-%M
MVZ7.QQ^!J!;>W7L'7*N^V9$N]V^W\$SW%NXRCQ=2IQ7FPO6(C#6(C6?_`+,7
MW%[0X/8\9]W;MO9<'M,7+<C3;_I62F''3+FODC9TTRWC'6^36^7+^/,SX?%$
MS.K9;YQ/CPX37P_([$]3N.^--'N>MUY&TCL-H/$.J:WJ5>QK>S5=!ME1L-WK
M>HU]?$:V?5H^X5DJ0XJ/Z[U#=(D/.>A":QB[/CKIU4B/#S?7_>-]J^W9X&_=
M?9'%;/;;CB,D8=]AVN/'BK&/)6F6M[X\5:Q\S'&7':T]/5.'+%K3TXX:B<T]
M;^+:?XK?B\U:LXLX^K><.RG/=`F]Y2C:1K<'D_9-3V^[Y&F1*2UWM.OP=GG5
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M!\']WOVRW&/AMI3N+?[NV3)N8PXXW%\4_I.2*6S='S)K$9,,1$W_`!:5B-8\
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MM.4JS@OQQK>L?6_0O:?A]OS_`+D]E\5N]O3-M,F_QVR8[UB]+TQS\V]+UM$U
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M-<=YPTF.J(Z;=-HGIF8GPF8F7#DK8>JO1GA7XM^.]F^/OK?V`W#LIQ3J#7+5
MO?\`%.CN<GM6LJ@XHC39]+=3M$GSMCV>VV'?YWI)EOHD95`;:RMI3R7F_:>F
MD8HG'$S,/W/E]UV5[;]O>S/$[SVNXGE-_P`OLL7Z3:^VP_I$6FFVB;4O.&TY
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MYO;_`)[W>YCVBO[1<//$4I:)W6#!CPYL<UVU<UK6MBQUM2OS)G#6U,E+1:U)
MUUUA$/P%R?Q%U'[7<E=&W>H'6OMDW:]T;/BC5^4><-+U_<MPJJ&3N]3Q?34<
M!R=J]OZ.82H2I,AIE6&E6#[V$H\,>*O*LQ2\X^B)^+U?A7;',\%V-WMR_MQ/
M8?$<Y%^X;;;'N-YBIERUI.:NWI2NN.VFFG5:(\.NUM(^G=#Y0>V'6+J!V#WS
MK+QY\;?2"^1`X^H77=YLN%-`K=@IK_=M<=LFI-?&AZ(B#ARFB6,5]A6%NXR[
M_M*QGQ0B_+:M+36,=?\`P?H/O)WOV=V'W3R?9_%>TG;F6*[6DSFMM,%;TOFQ
M]6M8C#I\$6K,>?CYSZ15U@8A*GPDV:Y#=:J7&Q8.0TH7+;A9>1B6N*AW_#5(
M2QYLHPK\N5>'C^!BM-,7RYRXXS3,8NJ.K3STU\=-?73R6KN/-JZ0_(5TI[X5
M^M=%>.^K^E]4N*I.V<2<MU4?7Y>Y*N(FJ[M?4:KK9:[6:&]=V!V9I3#EK`S:
M7&+)BQPS(>6[AF1(RXZ,E,GP:1$-UN*WOMU[I^WGN7BVGMMM.&X_A-E.7;;J
ML4G+UQCS7IUY*XZ7F^N*LY*?,R_,C)TVM-NFUM7>D_'G7OI+\>UA\DG8K@G4
M^Q.\\K<IP^+NO_'&^LP']:BU$"TN:Z[MFV[FDV*J@W]EG4MAE>[=KI;K<:FC
M-QEL8F2%YLI%:8_F6KK,SX/C/;SBNUO;OVLR^[?=?;6#E>2WN]C;[+!FB)QQ
M6MKUO;XZ9*Q>WRL]NJ<=IBN*D4FOS+RS%VC^+SB;D;Y<NO\`Q'QAK#''G!W/
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M>6<>LZSI6UYZ-9F>CIUF9\9CQ/-^5```!Z+3]2V+?MLUC1M0JI5[M>Y;!3ZM
MK-+"1A<RVOK^PCU516QDYSC&7YL^4VVGQSC'BK\<XP5B)F8B/-E[#8[OD]]L
M^-V&"V7?;C+3'CI'G:][16M8^N;3$.F#TIZQ:[T]ZR\5<!4'M9$C3]?:>VZZ
MC-Y1C9M]N59M=SV'*EH2^MB??2GL14N^9;$%MACQ\K2?"2I6*5BL.OGMYV=M
M.PNS^%[8VO3-\&*)RWC_`+F:_P`66_TZ6O,].OC%(K7RK#:@N?:`````````
M``````````````````?_U(;"*<1%R7]O#WESO_'-[TMY!MTN;;Q3"F;;P[(F
MNIP_<\9S+!*M@U5MUS.%RIND7UEB1'1E2G%5D_TVT)8@*SC,V]]8Z)\X;]_=
M6]Q_WIQ.Y]O>4SZ[[95G+M9F?&^WFWQX_KG#>W56/&?EWTB(KB69C);@````
M```````````````````````````````/SS)D2OB2I\^5'@P8,=^9-FS'VHT2
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M3X/_`$MX5CUT>?.//YE8KT_K&OU:_P#T9&7MN*?>TV_(_+TK?BIWGU3^KVV.
MOC_BCT_*C7SUEIAT`[>:7S/V\[U](.?YR+G@CO1R]SK;Z4U-EI7$I.1;W:+Q
MR)`I9CTN='JU[/K$6.FM=2\]EFWJ*UN-E3COFS9CO%KY*6_%M,OS[VO[[X_N
M#OKW)]N>Z,GS.VNY-_O+8HF?"F>^2^E:3,S%?F8XK&.=9TRXL,4UFVK:3N!2
MP-R^<WXVN#*9&%T/#O&&J[-$B^G%2J',TV3RIO\`AO+;*(K",,T/'58YCR)0
ME/X^1O'AC"KK^.?'6/2'VG?FWQ<A]Y#VD[;V\:[;8;/'DB/#PG%.YS^FD>%,
M&.?#3ZH^G!'&7?"BTSYFNY_"_+TR'<==NU7(\[KKO-5?.XF:[`VK3J.-P_J<
MZP2_-EQXM59)KI&NVF,K::Q%G(<?PTB$AMJV+Z9KQ;\6?!\SP_N7MN/^\![@
M]O<[DKD[4YO=SL<U;SKCKDQ4C:XIMK,Q%;=-L&3QB.F\3;2,<1&3_E'N>*.J
M_9+X7N&9<I=?PYUEV35[ZTFVS[/N8>IZKN'#VLTNU[#*B,0T29%3&T27/FK0
MVVB6YE[*T*\WEQ=EF*VPQZ0F?>;<<)V5W=]WWM^]^G@.'S8[VFTQK&+'EVN.
MF2\Q$:S6,-KWF(B+3U:Q.NC!_P`L'Q8]T^SW>?9.;>"='JN4.*^8J7C1S7MI
M@[MI535:@S0Z%K.IV,>^^N7]=.5`<D4KMLU*ALRFI$::E#.7'TY:+<N*]KS:
ML:Q+YSWN]E_<+O'W(W?<7;7'4WG"[_'M^C)&;%6N**8<>*T7Z[UGIUI.2+5B
MT6K>(KK;P9Q[6=<M9Y][0?%K\7E);Q=NH^IW#[>Q=F)U'C'M(6HTFO\`'-7+
M3<2&6<KI[?<&M#6PVC*$N-/;1#==1A+J,XNO6+6Q8O2(\7TG>W:>S[G[R]F/
M9K;YZY]MP>P^9R$T\HQ4I@K/7,1\-LOR9B(TUB=QCM:-+0VNXX[*=%N7_EJI
M;+2.9^8;+G_6]*Y`ZNZSQU'U2NJ^"F*;CZ-M>S[.U77K4%J7/:<L->G28C^'
MU1Y3R8Z6DY1AG.+HM2<OA,]7E]3[7B>[O;;GO?';YN.[@W]^Y\.WS\=CP1BK
M79Q3!&7)DBMXC6T=5+VK.O3:>F*QITM+.BW7C>N/.!?G0TSBW4;:_P!YM=ZY
M,ZVZ%K]"A:[:<_KM9RE0U'T53UC`<0MJ!R:S+9>\R%>1*'/\7*<-EE*S%<\1
M'CY/S[VV[5Y+BNV?O(\?PNQOEY*^YW&PPTI^-,XZ[FE>C6U?R=Q%HGP\-)^+
M317+YQZ4]JNM>LU>Y<[\([GQCK%U>LZS57&S,0&(T^^?K["U:K8R8\Z2\X^J
MOJI#N<^7RI2WGQSC.4XSCVI:L:VKI#4_N/V\[U[1V>'D.Y>W=QL]GDRQCK;)
M%8BUYK:T5C29G7IK:?+T;\?`=IGW3\D_%]OEKU6^/='Y7W-S&4^9#?N-'M-'
M9=6G/BG_``Y.Z-Y3G/\`LN>7./QQ@OP1KDA^F_=DX_\`3?=SAL\UUC:[;<Y?
M_'#;#$_^.6/[]$WO3OY!.0.]O('?KIZK;JKAOE"5GE6ZZS\N<95E?K%^G7:7
M8[/6X,*\GY3:MVEQKRIE5+Q+C^%E*@2+!;;S+C#;Z?>F2<DY*:Z3Z-B^PO='
ME/<KE/<[L.=]3C^9M^DWX_=;>M<=_ETR6QQ%[?%U6QZX[=5?M+4MEF+5FL6C
M6#XC=+[)\0="_DCW?B#6MA>[2-<K.\4:S4MU-3?;1$Y/XXIH+=BB13[.W*J[
M"QUNPY*?D/MSFGF<J;7YT.>"D9LQ1:,>28CXM7QOL9Q_=W`^V?NWR/!;/+/>
M<;W]&QUZ:WR1N,%*]6M,FM;6QVW$VF+Q,>$ZQ/C"-+O#KGS`\XZKH][WBT[D
M&9I6B[,U3:G=7_'_`!?I532[#R;9T&N-LO9XVUVBE6;]S/APF&\/MRLM9QGT
ML(\[GF\[_.M$=<3H_(O<;:>_'<>RXW<^XVPW5N/VV:*8KWP;?#6E]Q:F/2?T
M>E)M-[12(ZHMI^3IK.LR?RO_`"<<F]`^P7%/!W!_%?7W:4ZMU_U6YA[OREH>
MQ;#N^IV5G<;GJC%;JME3;=J<&J@Q]>UJ)(\J69#;CLI:5_E3EL]LN2<=HK6(
M\G[[[V^\/,>V/=/"=N=N<+Q>:,/%X[QFW.')?-BM:V7'%<=J9<45B*8ZV\K1
M,VF)\(T:C_$9W)G=F>P'=CC#M!R:VSRCWNXJJ]0U?=Y[4*N:CV^KT>]ZO"T;
M4H;?M:JKRC7-_<>K:]"$(D+J\(PI4AS'JV8;]5KQ:?&T/AO8OO\`R=X=T>X?
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M_P`/W?\`>+[$X/@<M<W"=O;+/3KK/56V6,&2+=-O*8QV^32;1YWK?29C262.
MJ'R';CV][.]^.DUILU3Q-L\ZYYBB=8^9..*6KI-PBU&A[1>:S%B74IY-S"V/
M8:^ES$MX\C#6'<L-67@[C.8RFJTR3>V2FNGT2ENR/=3?]]]X^YOMWFWE-CO+
M9-U''[K!2M,L5PY+XXB\SUQDO6G3EK;372,WC^),5S/CSXDW1[Y6^`^,N1XE
MBKD'2.R$ZSW=BV<D3K1&V\0S+W==AD6$F8T_*E2V;74'7G'W,>=:L9<RI.<^
M?&/CK/S:Q/GK_P`&J'M9P?(6][.V.'Y;'?\`>FVY:;9HMK-OF[6;Y;S:9B9F
M8MBF9F?&?/6/-Y_Y=-SSOGR1=L[S+F'/8\CQM,\R4I1C&..-3USCS#?@EEC&
M<M8U?RYSY<Y5G'CE2\Y\V:99UR7_`+6+[Z<A^\_=KOC<ZZ].[C%_^C%CP?1'
ME\O3_P"L^;1#0=$V[E#=M3XYT*CF[+NN\;!5:OJ]#7I2J7:W=U,:@U\-K+BF
MV6L.2'L>=QQ2&FD>*UJ2A*E8LB)F8B/-^:\9QF^YGD=CQ/&;:V;D-SEKCQTK
MYVO>8BL?1'C/C,Z1$>,S$1JM;]X^FG/?3;XKJ?K3P!K59/T.+!D\P]WN;4;5
M0T<G9;R,[4NO:Q04LNP@[)<TSUG$B1T^6'A6:JI@L*RXM^9X95Z6IBZ:QX>L
MMV/<?L#N;L#V6P=H=K[.EN,K6=UR^[^92DY+Q-=<=*3:N2])M%:_B?\`3Q8Z
MSK-LCYFM]7MQ[_\`QD_%5Q_PU`KKC0]'YG?@]@O"UI:US2J:GNMMJMRV&="L
M9425,D,QG)KK<:/YY4M5G&6EM2'L.)=,Y,6**^6OB\=IV;O_`'/]GO97B^`Q
M4R<9MN0F-]\5*_)I6^6N6\Q:8F9B.N8K76UOF4F(F+:QLQP_VTXUYE^?GD2I
MK+RLM:C3>J&R]:N.[5AYIV%=[YJ6Z:[RCNZ:AWQ\C\BO7C9(.74>/KM5RLH4
MIK*,YNK>)SS_`&:/L.![XXCN#[SO*X,.YI?!M^$R;#!:)B8OFQ9<>XS=,^LU
M^WIK'G&.=-:Z-"-YT'=?C3^'WG[C?G]-=KW9KNGS3:4]9J3%S37,Y&GP)6N0
M[VU?702IL%^N7K5#9RLOM.8;87L$!IU+;RLLGG,3CPVBWXUI?F7)<7R'M#[#
M]S\3W1%,7>'</(6I7%%Z7GY59QQ>T]$S6:_+IDMU1.D3GQ5MI:>EM?\`%)WB
MYTU?HQOG8#MK*TK'5WJIJ'Z?\.;&YKCT7F'D*_JV*VK@:G7[!,O6Z.?65$1<
M#78"VJYF38V$Q*)$Q>8,CS7XKVBDVO\`B0^V]D_<;N39^V_)]T=\7V_\&<)@
M^1M<GRYC=9[UBM:XJWF_1:M8Z,%)C'%KWOI;)/R[ZU/^P/-NX]C^:^3.<]_>
M0[M?)NV6>SV++*W%Q*MB4YAJIH*Y3OB[])UNF8CU\/"\Y6F+&;PK.<XSG.+:
MTVM-I\Y:2=T=Q;_NWN'F.Y.4MKO=YGMDM$>58GPK2NOCTXZ16E=?'IK&K#Q:
M@````L@?MW.FOZG<W;/VVW*J]?2^"O4USCWW;/GB6W+FP5N?=3V?.E;+_P!B
M:E.R\I*L84W-M83S:O,SGPR=O36TWGRC_BVT^ZIV!^^.XMYWSR&#7C^-^SP:
MQX6W5Z^-H])^3BMK]5\F.T3K5=+,QT'````````````````````````````?
M_]6&PBG$1F7KUSIO/6CFKCCG7C>9B)M_&VRPK^O;=4ZF%;1$>>+=:Y:X94AY
MREV>DDR*^:A"DK5%DN82I*O!6+JVFMHM'G#Z#M7N3DNT.X>)[EXG)T[_`&F:
M+UU\K1Y7QVT\>C)2;4O$>/3:=)B?%TP>O7.FC=E^%>..=>-YF9>H<DZU"OZ]
MMU32IM3+7YXMUKEKAE2V6[K6+N-(KYJ$*4A,J,YA*E)\%9D:VBU8M'E+KWVK
MW)QO=_;W$]R\3DZMAN\,7KKYUGROCMIX=>.\6I>(\.JLZ3,>+,I<^@``````
M````````````````````````````@M^>ON5_EVZGN<+ZE:^TY0[-?5-,1[5[
MR3:7BJ$U'_4BW5Z:E*9^NQIT>B:2XE.'F;*4MM7GC9\/#/?III'G+6[[S/?_
M`/"G9$]O['/T\SS'5B\)\:;:(CY]OJZXFN&-?.,EYB=:*(Q@N:H!Z'4]NVS0
MMCJ-QT;9]ATO;M?EIGT.TZG=66N['23D(6VB;47E/)AV=;+2AQ2<.,NH7C"L
MX\?Q*Q,QXQ/BR]COM]QF[P;_`(W>9=OOL5NJF3%>V/)2WTUO68M6?KB8E^C=
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MU;;1K^NV*!8S(=[`O8<Q%C$NH5O'>;L(MM%L&TOMR6W$O(>3A:585C&2FLZZ
M^KYO%NMS@W./>X=Q>F\I>+UR5M,7K>)ZHO%HGJBT6\8M$ZQ/CKJRD[V0[$2.
M2HO,S_/7-#W,$*`JJA<KN\I;PYR5$JUP9%8NMB[TN]5M$>`JMENQ\LHE8;RP
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M_/\`.]P9L6YY[FMWOMQCIT5MN,V3-:M=9GIK;):TQ769G2)TUF9T\63]%[F]
MN>,=23H?'?9SGK2=+:CIB0]7UCE?=Z:DJHR<N9]&CKX-VS'HD+]3/G]FECU/
MP\WCX8\+HO>(TBTZ)GC?<#OKA]C'&<5WCR>WX^(TC'CW.:E*Q]%*Q>(I]?1I
MKZO`:-SOSAQAL][NW&O,O*W'FY[2S)C[-MVC<B;?J6S[&Q,G-6<MB]OJ"XK[
M6W9E63")#B9#KB5OH2XK&5XQDI%K1XQ,Q*+XWN7N/AMYN>1XCN#>[7D,T3&3
M+ASY<63)$SU3%[TM6UHFT1:>J9UF-?-Y+4=ZW;C_`&JMWK0MQVK2-VII$B93
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M7>/*T_\`BG-KW]WWL?TF=EWKRV&<V6V7)T;S<4^9EMI%LE^G)'5>VD=5[:VG
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M=?<_`[3>[#A.X=[M-EN/^K3#FR8ZW\-/BK2T1,S'PS/G-?AGP\&,=?V&_P!3
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MOP6*W53;6S9)P4MK:>JF&;3CK.MK3K%8G6UI]98S*(<```/1:?J6Q;]MFL:-
MJ%5*O=KW+8*?5M9I82,+F6U]?V$>JJ*V,G.<8R_-GRFVT^.<8\5?CG&"L1,S
M$1YLO8;'=\GOMGQNPP6R[[<9:8\=(\[7O:*UK'US:8ATP>E/6+7>GO67BK@*
M@]K(D:?K[3VW749O*,;-OMRK-KN>PY4M"7UL3[Z4]B*EWS+8@ML,>/E:3X25
M*Q2L5AU\]O.SMIV%V?PO;&UZ9O@Q1.6\?]S-?XLM_ITM>9Z=?&*16OE6&U!<
M^T````````````````````````````?_UH;"*<1`"S-^WA[RXT#D:]Z6\@V^
M6]2Y6FS-LX=D37598IN3(<!*M@U5MUS.4186\4-=A^.C*DMILX'IMH4_/5G.
M3M[Z3T3Y2W`^ZM[C_NOEMS[>\IGTV.]M.7:S,^%-Q%?CQ_5&:E>JL>$?,II$
M3;*N2F8W[````````````````````````````````!^>9,B5\25/GRH\&#!C
MOS)LV8^U&B0XD9I3TF5*DO*0S'CQV4*6M:U82A.,YSG&,!9DR4Q4OERWBN.L
M3,S,Z1$1XS,S/A$1'C,SY.;Q\F7;Z7W6[=\C\LQ)<AWCZID8T'B&$]ZJ$P^-
M=5E2V:>:F,[C#D61M<^1*NI+2O%3,BQ6UXY2VGPCLE^N\SZ.2WO!WW?W#[ZY
M;G,>29XND_(VL3Z;?',Q6=)\IRVFV6T>ELDQY1#0,\WY@```````````````
M````````````````````````"R!^W<Z:_J=S=L_;;<JKU]+X*]37./?=L^>)
M;<N;!6Y]U/9\Z5LO_8FI3LO*2K&%-S;6$\VKS,Y\,G;TUM-Y\H_XMM/NJ=@?
MOCN+>=\\A@UX_C?L\&L>%MU>OC:/2?DXK:_5?)CM$ZU72S,=!P``````````
M``````````````````#_UX;"*<1`#[6M;'>Z=L5!MVKVLRBV;5KJJV/7;NN>
MS'L*:]HYS%G46L!]/YF)E?816WFEX_%*T8S_`-17R\8\V1M-WN=AN]KOMEGM
MBWF')7)CO6=+4O28M6U9])K:(F)^F'23^/+N#1]WNK6@<TP\Q(FW^WSJ?*E!
M%4C"=>Y*U]B.SL3#;"5N9C5EUAUJTKT*4I::^<RE>?4PO&)''?KI$^KK=[5]
M^;;W%[,XON''TUW^GRMS2/R-Q2(C)&GI6^L9*1Y]%ZZ^.K=XO?HH````````
M```````````````````````0A_.WW*_RU=2)G%>IVOL^5.RWU70:KVSWDG4W
M'+$=C]2]A3Y%86U[NLGLTS6?RJ\]JIUO/FCJ\/'/?III'G+77[RG?_\`"/8V
M3A=CGZ>:Y?JPUTGXJ8(B/TB_U:UM&*/KR3:/&JA@8#F<````````````````
M```````````````````````#T6GZEL6_;9K&C:A52KW:]RV"GU;6:6$C"YEM
M?7]A'JJBMC)SG&,OS9\IMM/CG&/%7XYQ@K$3,Q$>;+V&QW?)[[9\;L,%LN^W
M&6F/'2/.U[VBM:Q]<VF(=,'I3UBUWI[UEXJX"H/:R)&GZ^T]MUU&;RC&S;[<
MJS:[GL.5+0E];$^^E/8BI=\RV(+;#'CY6D^$E2L4K%8=?/;SL[:=A=G\+VQM
M>F;X,43EO'_<S7^++?Z=+7F>G7QBD5KY5AM07/M`````````````````````
M````````#__0AL(IQ$``$T7PB]YL]3.T4/C_`'6W]GPIV$DU&E;6J9)6BMU;
M<_<.,:'N^<+<3&B-,V$U5=8.J\J$P9RGG,Y]JWC'MAOT6TG\66P?W=?<C^!^
M\\?%\CGZ>WN5FN')K/PX\NNF'-]$1%IG'>?+HOU3^)"_29[IP```````````
M```````````````````/\9$AB(P_*E/LQHT9ER1)DR'$,L1V&4*<>??><4EM
MIEIM.5*4K.$I3C.<Y\`MM:M*VO>T12(UF9\(B(\YF?2(<XGY1>X3_=3M_P`A
M<E5D]Z3QKK#WZ<\01E*7AA&@:O+EMQKIME7AEM[<;>1+N%X5CU&TS4,JSG#*
M?".RWZ[S/HY-^\O?MO<+OOE>7PY9GB,,_(VL>GR<<SI?3Z<MIMEGUCKBOY,(
M\#S?E0```````````````````````````````````````+*7[=GI>WR1RWMO
M;_>*?$G4.%G%ZEQ@F8QYHMERS<P&W[:ZC^?"VGLZ%J<Y'@E6,>69<QGFU87&
MSX9.WIK,WGRAMU]U/V^CEN<WW?G([?78\?/RMOK'A;<WKK:\>D_)Q3'_`/++
M2T3K1<Y,QT!``````````````````````````````'__T8;"*<1````Z`_PM
M]Y4]PNJM9KFX6R)G-W`C53H/(29#^7+'8J%,1QO0N0'4KQYW%[!4U[D2:YE:
MUN6E=)>5A"7FDF?AOUT\?QH=0ON^>Y$=^]E8=IO\_5W%QD5PY]9^+)33['//
M_/6LUO.LS.3'>TZ1:L)A#V?O(````````````````````````````!"G\ZG<
M)OK5TZMN.-;M<P^4NRN;+C?7419'I3JS14,1W.4=DQA.4.88Q13FJ9*DJ2XB
M1=-NI\<-+\/'/?III'G+7G[R7?L=H=A9^)VF;IYKE^K!CTG2U<.D?I&3^SHF
M,7TQ;+$Q^+*A`8#F4```````````````````````````````````````#U.C
M:5L_).Z:EQ[I53(O=PWG9*34M7I8F,9DVM_L-C'J:F`SYLX2E<J=+0CS*SA*
M?'QSG&,9R5B)F8B/-F\;QV\Y?D-CQ7'X)R[_`'.:F+'2/.U[VBM:Q_;,Q#ID
M].^M6L=1.MO%7`&K^WDHT76V&MANH[66ON?=;1:[;<]F7YTID>2YV.9(=80[
ME2X\3TF,9\K2<8DJ5BE8K#K_`-A=H[/L7M+A.U]GI,;;#$7O$?\`4S6^++D^
MGX\DVF(GQK7IKY5ALR7/KP`````````````````````````````!_]*&PBG$
M0```-\OC>[F7'1SM1HW+N'ICV@63F-+Y@HHB7'\W/&U]*BXN'V(:%MYE6^LR
M6&+:`G"D9<EPD-*5Z3KF%>F._1:)]/5^F>TON!N/;CO3C>=ZK3Q=Y^5NJ1X]
M>WO,=<Q'K;',1EI'AK:D5F=+3KTAJ2ZJ-EIJC8M?LX-U0W]9`NJ2YK)+4VMM
MJBUB-3JVSKYC"EL2X,^$^AUIU"LH<;7A6,YQDD76G;[C!N]O@W>US5R;;+2M
MZ7K,36U;1$UM68\)BT3$Q,>$Q.KZ8>P``````````````````````````'\.
M.-M-K==6AIII"G'''%)0VVVA.5+6M:LX2A"$X\<YS^&,!29BL3:TZ1#G-?*S
MW&<[I=PM]WJDLES>+-'6KC+A]M#BE0W]+UF;+2[L[",9PA2]XOGY=JEQ2$O8
MB28[#GCZ"?"/RWZ[S/HY0>]??T^X/?O)\EM\W5PNV_5]K]$XL<S]I'^M>;9-
M=->FU:S^+"-P\GY(```````````````````````````````````````"RM^W
M4Z:_J%R]MW<+<ZKUM3X8]QIG&/NV?-&L^5=AJL?7+=CSI6T]]C:=983Y5)QE
M,NZC/-JPY'SX9.WIK,WGRAMW]U+L#]Z<[ON_.0P:['C]<6WUCPMN;U^.T>D_
M)Q6_S9:6B=:+FIF.@````````````````````````````````?_3AL(IQ$``
M``!=%_;U]Y\\J<2V_3OD*Y7(WWA*N7>\72)[RW)-_P`/R9K;$FB:>=RXM^1Q
MQ>3VV6TJ7CRU4^(RPCTH;F4YFWOK'1/G#H+]UGW(_?7!Y^PN4W&O)\=3KV\V
MGQOM9G2:1/K."\Q$>/\`T[TK6-,<Z61C);;`````````````````````````
M``0Q?.3W!<ZP]-[G2]6MT5_*78UVPXOUGT7U-659IKL)*^3MGB81Y7$^TU^6
MW5MNH6AR/+N6'D9SEKP/'/?III'G+7[[Q_?D]G=@;CC]EGZ>:Y:;;?'I.EJX
MM/UC)']E)C'$Q,36V6MH\E!$P',4````````````````````````````````
M```````'J=&TK9^2=TU+CW2JF1>[AO.R4FI:O2Q,8S)M;_8;&/4U,!GS9PE*
MY4Z6A'F5G"4^/CG.,8SDK$3,Q$>;-XWCMYR_(;'BN/P3EW^YS4Q8Z1YVO>T5
MK6/[9F(=,GIWUJUCJ)UMXJX`U?V\E&BZVPUL-U':RU]S[K:+7;;GLR_.E,CR
M7.QS)#K"'<J7'B>DQC/E:3C$E2L4K%8=?^PNT=GV+VEPG:^STF-MAB+WB/\`
MJ9K?%ER?3\>2;3$3XUKTU\JPV9+GUX``````````````````````````````
M`?_4AL(IQ$````!G3K/V`W?JUSMQISWQZ]Y=EXXV2-<(@K>5'BW].\V[7;)J
MUBZEIY3=9M.NS)5?(4E.5H:D*4CP6E.<75M-;1:/1]+VAW1R/9?<O#]S\5;]
M<VF:+Z:Z1>DZUR8[3X_#DQS:EO#6(M,QXQ#I@\&\RZ/V%XAX\YLXWL/J6E\D
MZQ7[-2/+RWB5&1+1E$ZHLFVEN(C7-#9LO09S/F5EB9'<;SGQ3DDJVBT1:/*7
M7OMON#CNZN"XKN+B<O7Q^[PUR4GUC7SK;Z+TM$TO'I:LQZ,K%4V`````````
M```````````````'_%*2A*EK5A*4XRI2E9PE*4IQXY4K.?#&,8QC\<@F8B-9
M\G.L^6SN0KN9W$W?:*"SS.XHXVR[Q?Q(EEW*X,S6]=FR<6FVQ\)SAMS.[;$Y
M)GMNY2EW->N(ROQ]#'A'Y;]=YF/*'*;WR[^GW`[]Y'>[7-U<)M/U?:Z3\,X\
M<SU98_ULG5>)TUZ)I6?Q49!Y/QT`````````````````````````````````
M``````%E;]NITU_4+E[;NX6YU7K:GPQ[C3.,?=L^:-9\J[#58^N6['G2MI[[
M&TZRPGRJ3C*9=U&>;5AR/GPR=O369O/E#;O[J78'[TYW?=^<A@UV/'ZXMOK'
MA;<WK\=H])^3BM_FRTM$ZT7-3,=`````````````````````````````````
M`?_5AL(IQ$``````M`_MV^\JM3W/8.DG(5QA&N;Z_8[MPE*L)64MU>\18F']
MNTB,J0[E#<;;*F)]1ALH]-")\*3C&%O3L>&5M[Z3T3Y-R/NJ>X\['D-U[=<K
MG_5-S-LVTFT_BYHC7+AC6?++6/F4B-(B]+^=LBX49;?,````````````````
M````````(<OFZ[C.=5>G-WK.KV2X/*O8==GQ;ICD=Q34VHUUZ"A7).UQUIRA
MQM=5KDY$!AUM:7H\^VC/)\?35X>.:_12=/.7X']XKOZ>RNP=SL]EFZ>:Y7JV
MV+3SKCF/UC)'_+CF*1,3K6^6EH\I4`3`<P``````````````````````````
M``````````````>IT;2MGY)W34N/=*J9%[N&\[)2:EJ]+$QC,FUO]AL8]34P
M&?-G"4KE3I:$>96<)3X^.<XQC.2L1,S$1YLWC>.WG+\AL>*X_!.7?[G-3%CI
M'G:][16M8_MF8ATR>G?6K6.HG6WBK@#5_;R4:+K;#6PW4=K+7W/NMHM=MN>S
M+\Z4R/)<[',D.L(=RI<>)Z3&,^5I.,25*Q2L5AU_["[1V?8O:7"=K[/28VV&
M(O>(_P"IFM\67)]/QY)M,1/C6O37RK#9DN?7@```````````````````````
M`````````__6AL(IQ$``````])IVW[)Q_MNL[UIUO+H-LTZ^J=GUJ[@.>E,J
M;VCG,65781E^&<8>B38R%X\<9QGP\,XSCQP5B9B8F/-E[#?[OB]]L^2V&>V+
M?;?+7)CO7SK>DQ:MH^N)B)=)[H3VYUKNSUBX]YQI<PXE_/A_;_).N1'%+QJ?
M)%&RPSL]-Y5_XJ(3[KK<Z#E7BI==,CK5^96<8D<=^NL6=<?;+OG:>X?9W%=Q
M[?IKNK5Z-QCC_M;BD1&2GTZ3.EZ:^>.]9\Y;DE[[\```````````````````
M````<\#Y@.Y7^<;N-N-MK=K]0XDXE]QQ7Q1[=[U*ZRJJ*<_]Q[G&\F<,O_>N
MS9D26'_*EQ=6B$VO\6<$?FOUWG3RARL]^.__`./N_M_GVF?JX+8Z[;;:3\-J
MTF?F98])^;DZK1;SG'&.)_%19GD_%P``````````````````````````````
M`````````68_VZ_2M.^\G[3W+W>LRYK'$+\O2N)V93&%1K7DNYJ?+L>P(PZE
M2'6]*U6U0RU^7.,S;5#J%I=AYP9.WIK,WGRAM_\`=3]O8Y/F=[W_`,CAUV>P
MF<.VB8\+;B]?M+^/G\G';2/\>2)B8G&N4&8W\```````````````````````
M```````````__]>&PBG$0``````!.#\%_>?'5OLVUQ%O5RB#POV-EU.J6KTY
MY#5?J?)3;KD70=L6\]G#4&#/DS5U%BOQ::]&8S)?7Y(2?#WP7Z;:3Y2V,^[=
M[D?P9WA'!<EN.GM_EK5QVF9^'%N-=,.76?"L6F9Q7GPC2U;VG3'"^49SI>``
M````````````````````1#?-1W*_RE].=CJ=8M?8<M\^_4>*^/O;O>E8U55.
M@X_4/<XWERAYO[=UF7[9A]I6'(UI:0G,>.,9/+-?HI.GG+\*^\)W_P#P/V#N
M\&SS]/.\GU;;!I.EJUF/M\L>OV>.>F+1XUR9,<N?:1[ER```````````````
M````````````````````````#V7'>@[5RKONF<9Z-5O7>Y;]L])J&L5+'CA<
MZ\V"QCU=<PI?AE++*I,E.7'%?D:;QE:LX2G.2L1,S$1YI#BN,WO-\GQ_#\;A
MG)O]UFIBQUCUO>T5K'U1K/C/E$>,^#IG=2^N>J]3>NW%?`.H89>@<?:Q%@6E
MLVSAA>R;5-6Y:;?M$A&?SI>V'9)LF5A"LY]%MQ+6,^5"<8DJ5BE8K#L!V/VG
MLNR.U.%[8V&DXMKABMK::?,R3\67)/UWR3:VGI$Q'E$-BRY]6```````````
M``````````````````````!__]"&PBG$0``````!_P!2I2%)6A64J3G"DJ3G
M*5)4G/CA2<X\,XSC./PR%8F8G6/-T(OAQ[Q_YT.J50UM]Q[_`)OX4^F\>\J>
MZ?\`5L[YIJ&K[-Y#D>92G'/O*GAN)E.JSC+EO!G9PE+?I^,AAOUU\?QH=2O8
M/W'_`*@]DX*[_/U=Q\=TX-SK.MKQI]EGG_5K$]4^N6F3PB-$M!ZOW```````
M``````````````!STOF3[BM]O.Y>W/ZS98G\4\,-R.)N-W([WJ0+9NCL)*]N
MW"/Y%*8>QM&T+?S'?1X>M5QH7C^*2/S7Z[SIY0Y9>_W?L=]]_P"^ML\W5PG'
MQ.VV^D_#;HM/S<L>D_,R:]-H\\=<?T(H3R?B(```````````````````````
M````````````````+-O[<[IK]Z<F;EW*W.J]37.*O>:#Q/[MGQ9G<C7M8G[K
MV&-YT^"_M'4;),1&?#*5/W.5)SAR-GPR=O369O/E#<+[J'8'[PYCD._^0P:[
M39:X=MK'A.>]?M+Q_I8K=,?XLNL>-%QXS&_(````````````````````````
M``````````#_T8;"*<1````````"0OXQ>ZEET;[5Z;R7,E3%\7[/E&A\STT;
MSO)FZ#=S(WKW;$-*'?<7&E6+3-K$PC"7GO;.1<.(;E.YSZ8K]%HGT?JGL[[A
M9O;CO7C^8R7M^YLWV.[I'CKAO,:WB/6V*T1DKIXSTS36(O9T<JRSKKJMK[FG
MG1+2IMH,2SJ[.!(:EP;&NGQVY4*="E,*6S)B2XSJ7&W$*RE:%8SC.<9)%UCP
MYL6XPXMQ@R5O@O6+5M68FMJVC6)B8\)B8G6)CPF'[@]`````````````````
M``1.?,IW*_RA=.=J^VK7V'+?-?O>*^,_;O>E8UGU6"O[SW.-Y%8?9^T]9=<]
M"0C_`'%I+A>/X*/+-?HI.GG+\0]_N_\`^!.P=[^AY^GG.1UVVWTGXJ]4?:Y8
M]8^5CF=+1Y9+8_I<]<CW+,``````````````````````````````````````
M`'LN.]!VKE7?=,XST:K>N]RW[9Z34-8J6/'"YUYL%C'JZYA2_#*66529*<N.
M*_(TWC*U9PE.<E8B9F(CS2'%<9O>;Y/C^'XW#.3?[K-3%CK'K>]HK6/JC6?&
M?*(\9\'3.ZE]<]5ZF]=N*^`=0PR]`X^UB+`M+9MG#"]DVJ:MRTV_:)",_G2]
ML.R39,K"%9SZ+;B6L9\J$XQ)4K%*Q6'8#L?M/9=D=J<+VQL-)Q;7#%;6TT^9
MDGXLN2?KODFUM/2)B/*(;%ESZL``````````````````````````````````
M!__2AL(IQ$`````````%V/\`;[]YL<S<(S^IF_6_K\D\`5;,K07ILE*I>R<+
M/2FH4&&PE;BGWWN-+62W7+_!+;59+KFT8SEMS)F[>^M>B?./^#H?]UWW(_B#
MMW+V/R>?7E^+I$X9F?')M)F(B(]9G;VF,<^D8[8HCRE8H,AM8```````````
M```````#GQ?-%W`_S8=T-OB:W<_4^*.#/<\3\=^W<\U=/E5$K_G[:HWD6Y'D
M_<.WM/-,2F\^655P82O^K!@9K]=YT\H<MOO!=^?QO[@[^FTW'7PG&Z[;!I^+
M::S]MDCTGKRZQ%H_&QTQRB1/%^&@````````````````````````````````
M```````LV_MSNFOWIR9N7<K<ZKU-<XJ]YH/$_NV?%F=R->UB?NO88WG3X+^T
M=1LDQ$9\,I4_<Y4G.'(V?#)V]-9F\^4-PONH=@?O#F.0[_Y#!KM-EKAVVL>$
MY[U^TO'^EBMTQ_BRZQXT7'C,;\@`````````````````````````````````
M``'_TX;"*<1`````````!L'U6[&[MU-Y^XTY]T%>7+K0-@8G3*A<A<:'M&MR
MT+@;1J=DXA#F4P-DH9+\5:_(I3"G$O(QZC:,XNK::6BT/J>RN[.1['[GXCN?
MC)UW&URQ::ZZ1DQS\.3%;_#DI-JS.DZ:Q:/&(=,#A_E?2^=.+M"Y@X[LT6^E
M<BZQ5;5KTW'DP[[*SCI>5#FM(6OVMG6R//&EL9SYV)++C:O!2<X)*)BT1,>4
MNO?`\WQ_<G#<9SW%9OF<=N\-<E)]=+1KI,>EJSK6T>=;1,3XPR052X``````
M``````````BS^8#N5_DYZ<[C;:W:_3^6^6O<<5\4>W>].QK;6]@O_<>YQO)G
M+S'V5K.)$EA_RJ;1:+A-K_![!Y9K]%)T\Y?B_OQW_P#P#V#O\^TS]/.[[7;;
M;2?BK:\3\S+'K'RL?5:+>49)QQ/XSG@$>Y6`````````````````````````
M```````````````]EQWH.U<J[[IG&>C5;UWN6_;/2:AK%2QXX7.O-@L8]77,
M*7X92RRJ3)3EQQ7Y&F\96K.$ISDK$3,Q$>:0XKC-[S?)\?P_&X9R;_=9J8L=
M8];WM%:Q]4:SXSY1'C/@Z9W4OKGJO4WKMQ7P#J&&7H''VL18%I;-LX87LFU3
M5N6FW[1(1G\Z7MAV2;)E80K.?1;<2UC/E0G&)*E8I6*P[`=C]I[+LCM3A>V-
MAI.+:X8K:VFGS,D_%ER3]=\DVMIZ1,1Y1#8LN?5@````````````````````
M```````````````'_]2&PBG$0``````````+3W[=GO/BEO+_`*.<AW*&ZO8W
M;7>N"'YSR$)B[$AI<_>="BK<SX^2[A,*N(3./*E,B/._Z7)"<&5M[_D3_<W1
M^ZG[D?H^YW7MQRNXTPYIMFV<S/EDTZLV&/\`GB/FTCRZJY/6\+=IEMZ@````
M```````````!S\?FN[BN=K>Y>T46O669?%/7QRUXFT-ME[U8%E<UMAY.1MPC
M^52V',[!M$+VK#[2E-R:NKA.8_'.3`S7ZKS'I#EW]X;OV>]N_P#>[;:YNKA.
M+FVVPZ3\-KUM]OECT^/)'3%H\+8\>.401XOP@```````````````````````
M````````````````%G']NCTO<W'DG;>YV[4^5:SQCB=H?$.9K'^#9\AW5?AO
M;=DAX<Q_B-ZAJT_$)"_#+:I-NK*%8=B*PG)V]-9F\^4-P_NH^WT[_E]][@<C
M@_4]GKAVNL>%L]Z_:Y(_TL=NB)\NK+.D]5)TN-&8WX``````````````````
M```````````````````'_]6&PBG$0``````````/6Z#O>U\7[OJ/(^BW,K7M
MST78Z?:]7NX><8D5EY13V+&MF(PK"FW<-2HZ<J;7A3;B?%*\93G.,UB9B8F/
M-G\9R6]X;D=CRW&[BV+D-MEKDQWCSK>DQ:L_W3'E/A,>$^#I5](.UNJ=T>M/
M'//6L^UB3-AK?IF\Z[&7E6=0Y$I4-1-OUM2''GI*(L:QSZ\%3V?5D5DB,_G&
M/5P2-+1>L6AUT]N>]ME[@]H<3W-L]*Y,M.G-CC_M9Z>&7'YS.D6^*DSXVQVI
M;\IMF7ON``````````````$8_P`MO<A/3/IWN^T4%IB#ROR3AWB_B1++N$3X
M>R;%"DXM-MCX3G+K>-)UUN3/;>RE36+!$1I?AZ^/'SRWZ*3,>?H_'O?+OZ/;
M_L+D=[M<W3S>[_5]KI/Q1DR1/5ECU^QQ]5XG33KBE9_&<ZU2E+4I:U94I6<J
M4I6<J4I2L^.5*SGQSG.<Y_')'.4TS,SK/F_X%```````````````````````
M````````````````]UQAQOMW,/(VC\5:%6+N-TY$VJCT[6:Y.5)1(N+^P8KH
M>9+R4.8BP6'7\.2'U8\C#"%N+SA*<YQ6(F9B(\TEPW$[[GN6XWA>,P_,Y#=Y
MJ8L=?IO>T5C6?2(F=;3Y5B)F?"'34ZN=?=1ZK]?^+.`=)2A=)QOJL.G>L<,)
MC/;!?O*<L=JVF8RC*DMSMHV6;+GO)QG*4+D92GP2G&,25:Q6L5CT=@NS.UMC
MV5VOPO;''1^K[3#%)MII-[S\63),?3DR3:\_1-M(\(9]+GTX````````````
M`````````````````````````__6AL(IQ$```````````!.]\#?>176[LKC@
M7>;C,7A_LE/K-?:5,>SBOU7EU'C#T>^3YD.^V8VE3OT*9E'II<<DPGGUX:A^
M./?!?IMTSY2V5^[1[CSVEW=_#/);CIX'E[5IXS\./=>6&_U1DU^3?336;8[6
MGIQKUIG.DP`````````````"@'\W7<K_`#5=PKS5=7M??<3=>/J?&.E^W>]6
MOM]F8FH_4C;H_E4MESZKL,)$!AYM2FI%?4Q74^'J*\<#/?JOI'E#F#]XKO\`
M_C7OW<[+99^K@^*ZMOBTGX;9(G]8RQZ?%>(I$QX6IBI:/.4.!XOP(```````
M````````````````````````````````%H/]N3TU^Y]ZW?NENE5YZ;CSW_&W
M#ONV?R2MWN:U'WSM43U$I7_RWJMBW6,.I\[3KEQ*3^#L;\,K;TUF;RW)^Z=V
M!^F<ER/N%R&#]7VO5M]KK'GFO7[;)'^GCM&.)\8F<MX\Z+A!EM\@````````
M``````````````````````````````__UX;"*<1````````````?TVXXTXAU
MI:VG6EI<;<;4I#C;B%84A:%ISA2%H5CQQG'XXR%8F:S%JSI,.AY\1/>)KNUU
M2H;39K1$OFOB3Z?QYS$P\\VNPL[*+#S]M<@.-X7ZV8^_TT7+[KN4--YMHT]I
MM/D8PK,ABOUTC7\:'5+V*]QX]Q.R=MFWF;J[AV/3@W43/Q6M$?9Y_ITSTCJF
M=(CYM<M8C2J4T]7[0```````````"-SY6>XS?2WI[ON]4EDB%RGO"%<9</MH
M<2F8QNFS0I:7=G81C.5I1H]"Q+M4N*0IG,N-'8<\/73X^>6_129]7Y)[U]_1
M[?=A<GR6WS=/-;G]7VOTQER1/VD?Z-(MDUTTZJUK/XT.<PI2EJ4M:LJ4K.5*
M4K.5*4I6?'*E9SXYSG.<_CDCG*"9F9UGS?\``H``````````````````````
M````````````````'NN,.-]NYAY&T?BK0JQ=QNG(FU4>G:S7)RI*)%Q?V#%=
M#S)>2AS$6"PZ_AR0^K'D880MQ><)3G.*Q$S,1'FDN&XG?<]RW&\+QF'YG(;O
M-3%CK]-[VBL:SZ1$SK:?*L1,SX0Z:G5SK[J/5?K_`,6<`Z2E"Z3C?58=.]8X
M83&>V"_>4Y8[5M,QE&5);G;1LLV7/>3C.4H7(RE/@E.,8DJUBM8K'H[!=F=K
M;'LKM?A>V..C]7VF&*3;32;WGXLF28^G)DFUY^B;:1X0SZ7/IP``````````
M````````````````````````````_]"&PBG$0````````````"27XK.[<SH]
MVMU7=KB=(1Q%OGH<?\SUR%/N,)U&UF,YB;:W$;RI#MGHEMANP;5AMQY<-,J*
MWY?=*4>N*_1;7T?KGLK[B9/;GO;9<CGR3^XMSI@W=?'3Y5IC3+I^=AMI>/"9
MFG72-.N71>AS(EA$BSX$J/.@SH[$R%-AOM28DR)):2]&E19+*ELR(\AE:5H6
MA64K3G&<9SC)(.KF/)3+2F7%>+8[1$Q,3K$Q/C$Q,>$Q,>,3'F_0%X``````
M````4&?G,[E?YH.W]IH&JVOO>)^MOU7C;6?;/>I7W&[^[9_4_:F?*I;3GN+R
MO:J676U+:?AT[+[?AZRO'`SWZKZ1Y0YD?>0[_P#XR[[S<7LL_5PG$=6WQZ3\
M-\VL?I&2/[;UC%$QK$UQ5M'XTH6CQ:]@````````````````````````````
M```````````M!_MR>FOW/O6[]TMTJO/3<>>_XVX=]VS^25N]S6H^^=JB>HE*
M_P#EO5;%NL8=3YVG7+B4G\'8WX96WIK,WEN3]T[L#],Y+D?<+D,'ZOM>K;[7
M6//->OVV2/\`3QVC'$^,3.6\>=%P@RV^0```````````````````````````
M````````````/__1AL(IQ$``````````````7?\`X`N\GZ[<`2NL6^W*)/*/
M7>NB1]47+=_\?LW"SCK<+7W$8SC&'WN/IKB*=WRXQAN`NN\?,M3BLYN"_57I
MGSC_`(.C'W8/<?\`B7M>_9W)[C7F>*I$8]9^+)M/*G]LX)TQ3]%)Q><S,K!A
MD-HP````````!'5\IO;UCIGTYY)Y"K+/V')6VQ'>-.($LNH;GHW_`&R#-8C7
M\1*L+Q_R54,R[G.5)RVI<%#2OQ=3X^>6_129]7Y3[T=]U]O^P>7Y7#FZ>7SU
M_1]KI/Q?/RQ,1>/]*L6R_1K2*S^-#G%N...N+==6MUUU:G'''%*6XXXM65+6
MM:LY4M:U9\<YS^.<D<Y-S,VF;6G69?R%````````````````````````````
M```````````]UQAQOMW,/(VC\5:%6+N-TY$VJCT[6:Y.5)1(N+^P8KH>9+R4
M.8BP6'7\.2'U8\C#"%N+SA*<YQ6(F9B(\TEPW$[[GN6XWA>,P_,Y#=YJ8L=?
MIO>T5C6?2(F=;3Y5B)F?"'34ZN=?=1ZK]?\`BS@'24H72<;ZK#IWK'#"8SVP
M7[RG+':MIF,HRI+<[:-EFRY[R<9RE"Y&4I\$IQC$E6L5K%8]'8+LSM;8]E=K
M\+VQQT?J^TPQ2;::3>\_%DR3'TY,DVO/T3;2/"&?2Y].````````````````
M```````````````````````#_]*&PBG$0`````````````!LOT_[-;EU`[$<
M;<^:4IQZ7IETW]?I,.J:C[7IMECV&V:M,_-AOT[BE>=0TM>%8CRL-/XQYVD^
M%U+32T6A]?V'WAR'8?=7$=S\=,S?;Y/CIKX9,5OARXY_YZ3,1,_BVZ;>=8=+
M7BODW3>:.-](Y8X]MF[S2>0M:J=KUJS;\J5/U=Q$;E,MR64K7F+/BY7EF2PK
M/GCR&UMK\%)S@DHF)B)CR=>>%YCC^X.)X[F^*SQDX[=8:Y,=OIK:-8UCTM'E
M:/.MHF)\8>_*I,````````H7_.WW*_S*]MYG%>IVOO.*^M/U70:KVSWG@W/(
MS\AC]2]A3Y%90[[2S@,TS6?S)\E4IUO/ED*\<'/?JOI'E#F?]Y3O_P#B[OG)
MPNQS]7"\1U8:Z3\-\\S'Z1?Z]+5C%'U8YM'A9"(>#70`````````````````
M``````````````````````%H/]N3TU^Y]ZW?NENE5YZ;CSW_`!MP[[MG\DK=
M[FM1]\[5$]1*5_\`+>JV+=8PZGSM.N7$I/X.QOPRMO369O+<G[IW8'Z9R7(^
MX7(8/U?:]6WVNL>>:]?MLD?Z>.T8XGQB9RWCSHN$&6WR````````````````
M`````````````````````````__3AL(IQ$```````````````+8'[=7O/E#M
M_P!%N1+E>4/?6=^X`?G/+5A#B$NVO(7'4/S95AM#B$N[!!:QA*<*39J4KS*:
M1G+V]_\`MS_<W<^ZE[D:6W7MMRNX\)Z\VRF9_MMGP1_YYZ1_K3,ZS6%LLRF[
MX``````"/;Y0>W2.F'3ODKE&JG,1>1;YAOCKB1EQ:,/.<A;<Q*CP;2.TOQ2_
MG4:>/-NE-YQE+B:[T\_[>#SRWZ*3/J_+/>3OJ/;[L+E^9PY(KRN6/D;6/7Y^
M6)B+1]/RJQ?+IZ_+T]7."D2'Y;[\J4^])DR7G)$F3(<6\_(?>6IQY]]YQ2G'
M7G7%94I2LY4I6<YSGQ(YR9M:U[6O>TS>9UF9\9F9\YF?69?Y!:``````````
M````````````````````````````&1.).+MPYMY/T'B+0*[-IN?(^UTNH:[#
M_/AG-C=SFH3<F8ZA"_:UL%+BGY3^<>1B,VMQ7@E.<E8B;3$1YRE>"X;?]Q<S
MQG!<7BZ^0W>>F+''IU7F(UF?2M?.T^5:Q,SX0Z:G6C@+3.KW!'&/`V@QVV]=
MXXU>#28F)CMQ7[ZY5YYNR;38--9RC%KM.PRI-A*\,YQZ\E6,?EQC&)*M8K6*
MQY0[!=H=L<?V;VUP_;/&5B-IM,,4UTTF]_/)DM$?E9+S:]OKM/HSF7/I````
M`````````````````````````````````````/_4AL(IQ$``````````````
M`/;<;<B;?Q'R!IG*&@V[]#NN@;+3[;K%O'SXKA7-'.9GPG'&\YPB3%6ZSA#S
M*_%M]E2FUXRA2L9K$S$Q,>:1XCE=_P`%RG'\SQF><7(;7-3+CM'I>DQ:/[8U
MC28GPF-8GPETMNFO9_4.XO7'C3GW4,L1D;A2MM[10-/^L[J.\U7_`(#<-5D9
M5GU_"INF7,1G'$H5*@K8DX3A#R22I:+UBT.O'8'>6P[][3X?N?8:1&?']I37
M6<6:OPY<<^OPWB>F9TZJ36^FEH;/ES[(`````"B-\]?<K_,3VP<X7U*U]WQ?
MUE^J:8CVKWGA77*LUV/^I%NKTU)2]]"DP8]$TEQ*LLO5LI;:O))SXX.>_5?2
M/*'-7[S/?_\`%?>\]O['/U<-P_5B\)\+[F9CY]OKZ)BN&-?*<=YB=+H+3P:W
M````````````````````````````````````````M,_MQNFOUK:-Y[K;I5>:
MNU'ZAQCPS[MG\KVS64)O]0-NA^IA*\?1Z&:W41WD>=IU5C.1GP<8_#*V]/&;
MS_<W0^Z=V!^D;SDO</D,'V6#JV^TUCSR6C[?+'_)28Q5F-8GYF6/.JWD9;>L
M`````````````````````````````````````````!__U8;"*<1`````````
M```````!/W\!?>;/7WL*]ULWNW]MQ-V/LX$&B7-DK1!U7FE#;=?JT]E*W,L,
M-;]&2BCE>5'J/S,5F5+2U'7XY&"_3;IGREL]]V/W(_A;NJW:/)Y].#Y:]8IK
M/ACW?XN.T>D1FC3#;PUFWR=9B*RO(&:Z.@````T#^3+M]$Z4]1.1^68DN.UR
M#;1\:#Q#">]):IG)6U19;-/-3&=QEN5'U2!'E74EI7@EZ/7+:\<*<3X^>2_1
M29]7YA[P=]T]O.Q>6YS'DB.4O'R-K$^NXR1,5G2?.,58MEM'K7',><PYO$R9
M+L)<J?/E2)TZ=(?F39LQ]V3+F2Y+JGI,J5)>4MZ1(D/+4M:UJRI:LYSG.<Y(
MYR6R9+Y;WRY;S;):9F9F=9F9\9F9GQF9GQF9\WYPL```````````````````
M```````````````````#(G$G%VX<V\GZ#Q%H%=FTW/D?:Z74-=A_GPSFQNYS
M4)N3,=0A?M:V"EQ3\I_./(Q&;6XKP2G.2L1-IB(\Y2O!<-O^XN9XS@N+Q=?(
M;O/3%CCTZKS$:S/I6OG:?*M8F9\(=-?K7P-I_6+@CB_@;16L8UWC35(%`W,R
MRB._=VOYYNQ;-.:;RI"++9]AERK"3A.?+A^2K"?!/A@DJUBM8K'E#L'VCVSL
M.SNVN&[9XV/U39X*TUTTF]O/)DF/SLEYM>WUVG1G`N?1@```````````````
M``````````````````````````/_UH;"*<1````````````````!_O%E284F
M/-A2'XDR(^U*B2XKKD>3%DQW$NL2([[2D.LOLNHPI"TYPI*L8SC.,X"ZE[X[
MTR8[S7)68F)B=)B8\8F)CQB8GRET4_BB[O1>\'5+6-MO+".[S#QU[7CWF:`E
M24R7MFK(;>:S<O;^1K*8._4Z$3\*0A,=$_WD9O.?;*\)#%?KI$_E1YNK7LE[
MBT]QNR=GOMSEB>>VFF#=U]9R5CX<NGAX9J:7\(Z8O\RD?B2DQ/5^O@``!1;^
M?CN5^OW:5K@;4;7W7&G6?ZAK<SVKWFA77+=EEC[\GK]/*4O?:Z8K%(VEQ.51
MY42;E"O(_GQPL]^JW3'E'_%S<^\[W_\`Q/WI7MG8Y^KB.'ZL<Z3X7W5M/G6^
MOY>E<,:_BVKDTG2R!@QVLX``````````````````````````````````````
M`+3/[<;IK]:VC>>ZVZ57FKM1^H<8\,^[9_*]LUE";_4#;H?J82O'T>AFMU$=
MY'G:=58SD9\'&/PRMO3QF\_W-T/NG=@?I&\Y+W#Y#!]E@ZMOM-8\\EH^WRQ_
MR4F,59C6)^9ECSJMY&6WK```````````````````````````````````````
M````/__7AL(IQ$`````````````````"3[XE>[K_`$D[8:UL&PVBXG#7*'L^
M/.9(SBEYAPZ*?+QFCW;+>%>1$O1+MU,M3OD6[]-<FL-XQF1XX]<5^B\3/E+]
MD]CO<6WMWWOM-UNLW3V_O-,&ZCTBEI^#-_;AOI:9TF?ESDK'XSHCQY#$MAB5
M%?9DQI++<B-)CN(>8D,/(2XR^P\VI3;K+K:L*2I.<I4G.,XSX$@ZJUM6]:WI
M:)I,:Q,>,3$^4Q/K$O\`8+@#17Y'^W,#I5U)Y+YC1(BIW=^'C2N)Z^3Z:_J?
M)FTL2HVO+Q&=QZ<N+KS+,BXEM9SCU(5<ZC&?,I/C9DOT4FWJ_-O=KOK%[>]C
M<OS\7K^\9K\K;5G\K<9(F*>$^<4B+9;1ZTQVCSF'-JL;&?<6$^VM9LJQM+29
M*L;*PFON29L^?-?7)F39<EY2W9$J5(=4MQ:LY4M:LYSG.<D:Y(Y<N7/ERY\^
M2U\U[3:UIG6;6F=9F9GQF9GQF9\Y?C#S````````````````````````````
M``````````#(G$G%VX<V\GZ#Q%H%=FTW/D?:Z74-=A_GPSFQNYS4)N3,=0A?
MM:V"EQ3\I_./(Q&;6XKP2G.2L1-IB(\Y2O!<-O\`N+F>,X+B\77R&[STQ8X]
M.J\Q&LSZ5KYVGRK6)F?"'37ZU\#:?UBX(XOX&T5K&-=XTU2!0-S,LHCOW=K^
M>;L6S3FF\J0BRV?89<JPDX3GRX?DJPGP3X8)*M8K6*QY0[!]H]L[#L[MKANV
M>-C]4V>"M-=-)O;SR9)C\[)>;7M]=IT9P+GT8```````````````````````
M```````````````````!_]"&PBG$0``````````````````%Y[X%.\^>Q?79
MWKWOERN9RYUSKZ^LKWISRW9^T\/N+3!U*UPX[GS29&GNXQ32O#Q]..B"M:LK
M?SDSL%^JO3/G#I#]V;W(_BOM2W:W)[CJYWB:5K69GXLFU\L5OKG%/V5OHK&.
M9\;)[3W;-`%&S]P-W#:YS[15_7W4+/W7'_6=FPI+A<60I<.XY>O,17-T=6E"
MTM._9\6)&IDI<1ZD:<Q882K*'3"W%^JW3'E#G%]Z+OVO<G>6+M;89NKB^'BU
M+Z3X6W5]/F_5/RHBN+QC6MXR^.ED`YCM80``````````````````````````
M`````````````6F?VXW37ZUM&\]UMTJO-7:C]0XQX9]VS^5[9K*$W^H&W0_4
MPE>/H]#-;J([R/.TZJQG(SX.,?AE;>GC-Y_N;H?=.[`_2-YR7N'R&#[+!U;?
M::QYY+1]OEC_`)*3&*LQK$_,RQYU6\C+;U@`````````````````````````
M``````````````````#_T8;"*<1```````````````````;5=*>U&V],^R7&
M_/FJ>ZELZQ:XA;EKL=]+*-QX_N,HA[?JSV7L*C>I85:E+B..I6B+8,QY.,>=
ME.<7TO-+1:'VOMYWIOO;_N[B>Y]CK:N&^F7'$Z?-P6\,N.=?#XJ^-9G6*WBE
M_.L.E?QWO^I<K:'IW)>AW$>_TO?-;I]LUBYBY_P;"DO8+-A`D>3/@XP]EA_&
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MMK6M.MK3,^,S,S,S/K+YY1Y`````````````````````````````````````
M`!DWA?B3<>>>6>/.&>/X/U#<N2MLIM1H6%87[=F5;RVX[EC8.-H7F-4U,;+D
MJ8_G'E8BLN.*_*G.2M8FTQ$><IGM[@]_W-SG%=O\7CZ]_O,],5(](FTZ=5OH
MK6-;7G\FL3,^$.FAUOX&TSK%P9QEP-H#6<:QQIJ\*@C3'66X\N[L?%R;?[-8
MM,Y4TBUV>_ER;"5A&?)A^2O"?!/A@DJUBM8K'E#L!VEVSQ_9W;?#]L\7'ZGL
M\,4B=-)O;SODM$>'5DO-KVT\.JTZ>#-Q<^B`````````````````````````
M```````````````````'_]*&PBG$0```````````````````"VY^W4[R>_K]
MCZ,<A7/C+JD6_('`3T^3XJ?K%N/67(G'L+UG\?GKY#B[^#'9;4I33UJXM24,
MHP9>WO\`D3_<WE^ZE[C_`#<6[]M^5W'QTZL^RFT^=?&V?!&L_DSKFI6(UTG-
M,SI6&E7[@_N`KFCLW5=<=3N,2N/>M\5Z)?-PWLJB6G,.PLLO;0Z^IO.&I6=0
MIT1*IM*\97#G?448S_B*P6;B^MNF/*'YY]Z3OR>X.\,':>QS]7%\3$Q?2?"V
MZO$3DU])^53IQQKXUO\`-CUE7X,=JZ``````````````````````````````
M`````````"U?^W$Z:^]M=\[M[I5>,>F^I<5\*>[9_P!NUEQF_P!2-SA>IA"T
M^RK)+5'%?;RIMSW=FTKP6U^&5MZ>=Y_N;K_=-[`^9FY/W$Y#!\./JVVTUC\J
M8^WRQ_968PUM'A/5FK/C5;<,MO(`````````````````````````````````
M````````````'__3AL(IQ$````````````````````]]Q7R=NW"W(^E<L<;W
M;^N[UQ]L=9M.L7#"4.9B6E5(2^RF1&=PJ/.@2DI4S)C.I4S)CN+:<2IM:DYK
M$S68F/.$IPO,<CV]RW'<WQ.XG%R6URUR8[QZ6K.L:Q/A-9\K5G6+5F:S$Q,P
M\O?WUSM-[=;/L5E+N=@V.VL;Z]N)[JGYUK<V\QZPL[*:^K\STN=-D+=<7G\5
M+5G(\_%A;K<[C>[G<;S=YK9-UEO:][6G6;7M,VM:9]9F9F9GZ9?)*/``````
M`````````````````````````````````,F\+\2;CSSRSQYPSQ_!^H;ER5ME
M-J-"PK"_;LRK>6W'<L;!QM"\QJFIC9<E3'\X\K$5EQQ7Y4YR5K$VF(CSE,]O
M<'O^YN<XKM_B\?7O]YGIBI'I$VG3JM]%:QK:\_DUB9GPATVNO7"&G=;>$N,N
M"M!8]+5>,M3K=9@/J:0Q(MI3"%2+K8K!MK*FL6VSWDB38S,I_*J5*<SCPQGP
M).M8K6*QY0[!]K=N;#M'MWA^V^,KILMG@KCK.FDVF/&^2VGAU9+S;)?_`!6E
MF0JGP`````````````````````````````````````````````__U(;"*<1`
M````````````````````````````````````````````````````````````
M`+5_[<3IK[VUWSNWNE5XQZ;ZEQ7PI[MG_;M9<9O]2-SA>IA"T^RK)+5'%?;R
MIMSW=FTKP6U^&5MZ>=Y_N;K_`'3>P/F9N3]Q.0P?#CZMMM-8_*F/M\L?V5F,
M-;1X3U9JSXU6W#+;R```````````````````````````````````````````
M````_]6&PBG$0```````````````````````````````````````````````
M`````````````&3>%^)-QYYY9X\X9X_@_4-RY*VRFU&A85A?MV95O+;CN6-@
MXVA>8U34QLN2IC^<>5B*RXXK\J<Y*UB;3$1YRF>WN#W_`'-SG%=O\7CZ]_O,
M],5(](FTZ=5OHK6-;7G\FL3,^$.FUUZX0T[K;PEQEP5H+'I:KQEJ=;K,!]32
M&)%M*80J1=;%8-M94UBVV>\D2;&9E/Y52I3F<>&,^!)UK%:Q6/*'8/M;MS8=
MH]N\/VWQE=-EL\%<=9TTFTQXWR6T\.K)>;9+_P"*TLR%4^``````````````
M````````````````````````````````#__6AL(IQ$``````````````````
M``````````````````````````````````````````!:O_;B=-?>VN^=V]TJ
MO&/3?4N*^%/=L_[=K+C-_J1N<+U,(6GV59):HXK[>5-N>[LVE>"VOPRMO3SO
M/]S=?[IO8'S,W)^XG(8/AQ]6VVFL?E3'V^6/[*S&&MH\)ZLU9\:K;AEMY```
M`````````````````````````````````````````````/_7AL(IQ$``````
M`````````````````````````````````````````````````````#*?"'#N
M[]@N7./>%N.*[ZGNG)&SUVL4<=6<ICL.S7,JEV=@[C"O;5-+7MO3)CV<9PS%
M8<7G\$Y+JQ-IBL><IKMS@.1[IYWB^WN)Q=?(;O-7'2/2)GSM:?2M*ZWM/I6L
MSZ.FIUZX0T[K;PEQEP5H+'I:KQEJ=;K,!]32&)%M*80J1=;%8-M94UBVV>\D
M2;&9E/Y52I3F<>&,^!)5K%:Q6/*'8+M;MS8=H]N\/VWQE=-EL\%<=9TTFTQX
MWR6T\.K)>;9+_P"*TLR%4^``````````````````````````````````````
M`````````!__T(;"*<1`````````````````````````````````````````
M```````````````````MB_MQ.FO_`*\[M[K5?^9<5\*>[9_[O]2-SA>HG_NJ
M.+(;S_YFTHR]O3SO+=[[IO8'_N?N)R&#\[;;36/_`-^6/_+#6T?_`)JK8QE-
MW0````````````````````````````````````````````````'_T8;"*<1`
M`````````````````````````````````````````````````````````!EC
M@GAK<>PW,?&_"6@1/=[=R9ME3JM3YD.+CP??OX]_<V'I8RMNIH*QMZ=,<Q_N
MHL=Q?_9+JQ-IBL><ISMK@-_W5S_$]N\73JWV\SUQU^B.J?BO;_#2NM[3Z5K,
MNFUP3PUIW7GASC?A+0(GM-1XSU.IU6I\R&T2)WL&,>_N;#TL80Y;7]FX].F.
M8_WLJ0XO_M$E6(K$5CRAV#[:X#8=J\!Q/;O%TZ=CL\%<=?IGICXKV_Q7MK>T
M^MK3++)5.`````````````````````````````````````````````````/_
MTH;"*<1`````````````````````````````````````````````````````
M`````!;%_;B=-?\`UYW;W6J_\RXKX4]VS_W?ZD;G"]1/_=4<60WG_P`S:49>
MWIYWEN]]TWL#_P!S]Q.0P?G;;::Q_P#ORQ_Y8:VC_P#-5;&,INZ`````````
M`````````````````````````````````````````?_3AL(IQ$``````````
M```````````````````````````````````````````````,L<$\-;CV&YCX
MWX2T")[O;N3-LJ=5J?,AQ<>#[]_'O[FP]+&5MU-!6-O3ICF/]U%CN+_[)=6)
MM,5CSE.=M<!O^ZN?XGMWBZ=6^WF>N.OT1U3\5[?X:5UO:?2M9ETVN">&M.Z\
M\.<;\):!$]IJ/&>IU.JU/F0VB1.]@QCW]S8>EC"'+:_LW'ITQS'^]E2'%_\`
M:)*L16(K'E#L'VUP&P[5X#B>W>+IT['9X*XZ_3/3'Q7M_BO;6]I];6F662J<
M``````````````````````````````````````````````````/_U(;"*<1`
M````````````````````````````````````````````````````````"V+^
MW$Z:_P#KSNWNM5_YEQ7PI[MG_N_U(W.%ZB?^ZHXLAO/_`)FTHR]O3SO+=[[I
MO8'_`+G[B<A@_.VVTUC_`/?EC_RPUM'_`.:JV,93=T``````````````````
M`````````````````````````````````?_5AL(IQ$``````````````````
M``````````````````````````````````````98X)X:W'L-S'QOPEH$3W>W
M<F;94ZK4^9#BX\'W[^/?W-AZ6,K;J:"L;>G3',?[J+'<7_V2ZL3:8K'G*<[:
MX#?]U<_Q/;O%TZM]O,]<=?HCJGXKV_PTKK>T^E:S+IM<$\-:=UYX<XWX2T")
M[34>,]3J=5J?,AM$B=[!C'O[FP]+&$.6U_9N/3ICF/\`>RI#B_\`M$E6(K$5
MCRAV#[:X#8=J\!Q/;O%TZ=CL\%<=?IGICXKV_P`5[:WM/K:TRRR53@``````
M`````````````````````````````````````````````__6AL(IQ$``````
M``````````````````````````````````````````````````6V?VXW3%N+
M6;QW=W>G0J59KL^+^#U38Z5*8KHKN&N2=VKLNI6G"YTYM%#%DM90ZVF-:,J\
M4/?CE[>GG>?[F\GW3?;^*8>1]Q>1V_QWZMOL]8\JQ/ZQFKK],Z8:VC28Z<U9
M\++61E-UP```````````````````````````````````````````````````
M`__7AL(IQ$``````````````````````````````````````````````````
M`````S)UZX0W'LES;QEP5H+'J[5R;ME;K,!]32WX]3%?6J1=;%8-M92[FIUB
MCCR;&9E/YDQ8KF<>.<>!=6LVM%8\Y3_:W;F_[N[BX?MOC*Z[W>9ZXZSIK%8G
MQODMIX]..D6R7_PUETVN%^)-.X&XFX\X9X_@_3]-XUU.FU&A85A'N'HM1$;C
MN6-@XVA&)-M;2<.2IC^<>9^4\XXK\RLY)*L16(B/*'83M[@]AVSP?%=O\7CZ
M-AL\%,5(]9BL:=5OIM:=;7G\JTS,^,LFE4P`````````````````````````
M```````````````````````````'_]"&PBG$0```````````````````````
M```````````````````````````````"VY^W$Z:^RJM\[M[I5>$BY^I<5\*>
M[9_V*J));_4C<X7J86A7O;.,U1Q7V\I<;]I9M*\4._CE[>GG>?[F\GW3>P/E
MX>3]Q.0P?%DZMMM-8_)B?M\L?VVB,-;1XQTYJSX66KS*;K@`````````````
M````````````````````````````````````````_]&&PBG$0```````````
M``````````````````````````````````````````&9.O7"&X]DN;>,N"M!
M8]7:N3=LK=9@/J:6_'J8KZU2+K8K!MK*7<U.L4<>38S,I_,F+%<SCQSCP+JU
MFUHK'G*?[6[<W_=W<7#]M\977>[S/7'6=-8K$^-\EM/'IQTBV2_^&LNFUPOQ
M)IW`W$W'G#/'\'Z?IO&NITVHT+"L(]P]%J(C<=RQL'&T(Q)MK:3AR5,?SCS/
MRGG'%?F5G))5B*Q$1Y0["=O<'L.V>#XKM_B\?1L-G@IBI'K,5C3JM]-K3K:\
M_E6F9GQEDTJF````````````````````````````````````````````````
M``````?_TH;"*<1`````````````````````````````````````````````
M`````````6W/VXG37V55OG=O=*KPD7/U+BOA3W;/^Q51)+?ZD;G"]3"T*][9
MQFJ.*^WE+C?M+-I7BAW\<O;T\[S_`'-Y/NF]@?+P\G[B<A@^+)U;;::Q^3$_
M;Y8_MM$8:VCQCIS5GPLM7F4W7```````````````````````````````````
M````````````````````_].&PBG$0```````````````````````````````
M`````````````````````,R=>N$-Q[)<V\9<%:"QZNU<F[96ZS`?4TM^/4Q7
MUJD76Q6#;64NYJ=8HX\FQF93^9,6*YG'CG'@75K-K16/.4_VMVYO^[NXN'[;
MXRNN]WF>N.LZ:Q6)\;Y+:>/3CI%LE_\`#673:X7XDT[@;B;CSAGC^#]/TWC7
M4Z;4:%A6$>X>BU$1N.Y8V#C:$8DVUM)PY*F/YQYGY3SCBOS*SDDJQ%8B(\H=
MA.WN#V';/!\5V_Q>/HV&SP4Q4CUF*QIU6^FUIUM>?RK3,SXRR:53````````
M```````````````````````````````````````````````'_]2&PBG$0```
M`````````````````````````````````````````````````+=/[<OI8W5:
M_N/=[=ZM>++8_JW&7";<MK'D8UZ'*::Y!W6)AQ"\*=M+B&FEBOH4AQIN%8MY
MPI$C&3+V]/";S_<WI^Z?[>QAVN_]Q>1P_;9>K;[36/*D3IGS1]=KQ\FLQI,1
M3+'C%EJ(RFZ0````````````````````````````````````````````````
M```````#_]6&PBG$0```````````````````````````````````````````
M````````9PZU\#;AV=YWXOX&T5K.=BY+VN!0-S,LKD,4E5GSS-BV6<TWE*U5
MNL:]$E6$G"<^;+$96$^*O#!=6LVM%8\Y?1]H]L[_`+Q[EX;MGC8_6]YGK373
M6*5\\F28_-QTBU[?56='37XCXNT_A+C#0>(M`K\5>F<<:I2ZAKL/\F7L5U)!
M:AMR9CJ$-XE64];:GY3^<>=^2XMQ7BI6<DE$16(B/*'8/@N&V';O#<9P7%XN
MCC]I@IBQQZ]-(B-9GUM;\:T^=K3,SXRR(52H````````````````````````
M```````````````````````````````#_]:&PBG$0```````````````````
M````````````````````````````````6\?VXW37Z+K&\]UMTJO+8;;]0XQX
M8]VS^9G6:V:W^H&W0_42I&?K%]";J([R,H=:373F\^+;_P".7MZ>$WG^YO7]
MT[L#]'V?)>X?(8/M<_5M]IK'ECK/V^6/^>\1BK,:3'R\L>5EIHRFZ```````
M``````````````````````````````````````````````````!__]>&PBG$
M0``````````````````````````````````````````````````SAUKX&W#L
M[SOQ?P-HK6<[%R7M<"@;F997(8I*K/GF;%LLYIO*5JK=8UZ)*L).$Y\V6(RL
M)\5>&"ZM9M:*QYR^C[1[9W_>/<O#=L\;'ZWO,]::Z:Q2OGDR3'YN.D6O;ZJS
MHZ:_$?%VG\)<8:#Q%H%?BKTSCC5*74-=A_DR]BNI(+4-N3,=0AO$JRGK;4_*
M?SCSOR7%N*\5*SDDHB*Q$1Y0[!\%PVP[=X;C."XO%T<?M,%,6./7II$1K,^M
MK?C6GSM:9F?&61"J5```````````````````````````````````````````
M``````````````/_T(;"*<1`````````````````````````````````````
M`````````````"WC^W&Z:_1=8WGNMNE5Y;#;?J'&/#'NV?S,ZS6S6_U`VZ'Z
MB5(S]8OH3=1'>1E#K2:Z<WGQ;?\`QR]O3PF\_P!S>O[IW8'Z/L^2]P^0P?:Y
M^K;[36/+'6?M\L?\]XC%68TF/EY8\K+31E-T````````````````````````
M``````````````````````````````````!__]&&PBG$0```````````````
M`````````````````````````````````!G#K7P-N'9WG?B_@;16LYV+DO:X
M%`W,RRN0Q256?/,V+99S3>4K56ZQKT2582<)SYLL1E83XJ\,%U:S:T5CSE]'
MVCVSO^\>Y>&[9XV/UO>9ZTUTUBE?/)DF/S<=(M>WU5G1TU^(^+M/X2XPT'B+
M0*_%7IG'&J4NH:[#_)E[%=206H;<F8ZA#>)5E/6VI^4_G'G?DN+<5XJ5G))1
M$5B(CRAV#X+AMAV[PW&<%Q>+HX_:8*8L<>O32(C69];6_&M/G:TS,^,LB%4J
M``````````````````````````````````````````````````````````/_
MTH;"*<1`````````````````````````````````````````````````%O?]
MN7TN=U_5MS[L;S3^G8;JS8<<<)^\:3E;>J5UCZ>_[C$2KSX1]:V"N141G<>F
M\ANNG)_%J3C*LO;TTB;S_<WM^Z?[?6VNRY#W$Y+!IEW$6P;37_\`KK;[?+'_
M`#WK&*L^$Q&/)'XM_&TH93<X````````````````````````````````````
M```````````````````````/_].&PBG$0```````````````````````````
M````````````````````#/G5SK[MW:CL!Q9P#I*5HN^2-JAT[UCAA4EG7Z!E
M+ECM6TS&492IR#J^M0I<]Y.,X4M$?*4^*E8QFZM9M:*QZOI^S.UM]WKW1PO;
M''1^L;O-%)MIK%*1\63),?1CQQ:\_3%=(\9=-7C#C?4>'N.='XJT*L13Z7QW
MJM'IVLUR<I4N/3T%>Q70\R7DH;S*G/M,8<D/JQYWWUK<7G*E9SF2B(B(B/)V
M"X;B=CP/$\;PO&8?E\?M,-,6.OT4I6*QK/K,Q&MI\[3,S/C+W15)````````
M```````````````````````````````````````````````````!_]2&PBG$
M0```````````````````````````````````````````````"X1^W)Z:_;&B
M[OW2W2J\ESR'[_C;AWW;/YXND4UDC[YVJ)ZB5(_YDVJN;K&'4^1UINGE)_%J
M3^.9MZ:1-Y;Y?=.[`_0^-Y'W"Y#!^L;KJV^UUCRPTM]MDC_4R5C'$^$Q&*\>
M5UH,R6Y(````````````````````````````````````````````````````
M````````/__5AL(IQ$``````````````````````````````````````````
M````!GSJYU]V[M1V`XLX!TE*T7?)&U0Z=ZQPPJ2SK]`RERQVK:9C*,I4Y!U?
M6H4N>\G&<*6B/E*?%2L8S=6LVM%8]7T_9G:V^[U[HX7MCCH_6-WFBDVTUBE(
M^+)DF/HQXXM>?IBND>,NFKQAQOJ/#W'.C\5:%6(I]+X[U6CT[6:Y.4J7'IZ"
MO8KH>9+R4-YE3GVF,.2'U8\[[ZUN+SE2LYS)1$1$1'D[!<-Q.QX'B>-X7C,/
MR^/VF&F+'7Z*4K%8UGUF8C6T^=IF9GQE[HJD@```````````````````````
M`````````````````````````````````````?_6AL(IQ$``````````````
M````````````````````````````````!<(_;D]-?MC1=W[I;I5>2YY#]_QM
MP[[MG\\72*:R1]\[5$]1*D?\R;57-UC#J?(ZTW3RD_BU)_',V]-(F\M\ONG=
M@?H?&\C[A<A@_6-UU;?:ZQY8:6^VR1_J9*QCB?"8C%>/*ZT&9+<D````````
M`````````````````````````````````````````````````````#__UX;"
M*<1``````````````````````````````````````````````SYU<Z^[=VH[
M`<6<`Z2E:+ODC:H=.]8X85)9U^@92Y8[5M,QE&4J<@ZOK4*7/>3C.%+1'RE/
MBI6,9NK6;6BL>KZ?LSM;?=Z]T<+VQQT?K&[S12;::Q2D?%DR3'T8\<6O/TQ7
M2/&735XPXWU'A[CG1^*M"K$4^E\=ZK1Z=K-<G*5+CT]!7L5T/,EY*&\RIS[3
M&')#ZL>=]]:W%YRI6<YDHB(B(CR=@N&XG8\#Q/&\+QF'Y?'[3#3%CK]%*5BL
M:SZS,1K:?.TS,SXR]T520```````````````````````````````````````
M``````````````````````'_T(;"*<1`````````````````````````````
M`````````````````N$?MR>FOVQHN[]TMTJO)<\A^_XVX=]VS^>+I%-9(^^=
MJB>HE2/^9-JKFZQAU/D=:;IY2?Q:D_CF;>FD3>6^7W3NP/T/C>1]PN0P?K&Z
MZMOM=8\L-+?;9(_U,E8QQ/A,1BO'E=:#,EN2````````````````````````
M```````````````````````````````````````__]&&PBG$0```````````
M`````````````````````````````````;%=2^N>U=LNQ/%?`.H8>9G\@[/%
M@6ELVSE]&MZK"0Y:;?M$A&?R*9U[6X4F5A"LX]9QM+6,^9:<9NI6;VBL/K.Q
M^T][WOW7PO;&PUC+NLT5M;37Y>./BRY)^JF.+6T]9B(\YATS^.]!U7BK0M,X
MST:K9I--T'6*34-8J6/#*(-'K]='JZYA2_#"GGDQHR<N.*_.ZYG*U9RI6<DE
M$1$1$>3K_P`5QFRX3C./X?C<,8]AM<-,6.L>E*5BM8^N=(\9\YGQGQ>R*I``
M````````````````````````````````````````````````````````````
M`!__TH;"*<1````````````````````````````````````````````!<>_;
MG=-?LOC/<NY6YU7I['RK[S0>)_=L^#T'CFBLT_=>PQO.GQ1]W;=6IB(SX84E
MBFRI.<MR<^.9MZ:1-Y\Y;\_=0[`_=_#\AW_R&#3=[W7#MM8\8P4M]I>/]7+7
MIC_#BUCPNLVF2W"`````````````````````````````````````````````
M```````````````````/_].&PBG$0```````````````````````````````
M````````````V*ZE]<]J[9=B>*^`=0P\S/Y!V>+`M+9MG+Z-;U6$ARTV_:)"
M,_D4SKVMPI,K"%9QZSC:6L9\RTXS=2LWM%8?6=C]I[WO?NOA>V-AK&7=9HK:
MVFOR\<?%ER3]5,<6MIZS$1YS#IG\=Z#JO%6A:9QGHU6S2:;H.L4FH:Q4L>&4
M0:/7ZZ/5US"E^&%//)C1DY<<5^=US.5JSE2LY)*(B(B(\G7_`(KC-EPG&<?P
M_&X8Q[#:X:8L=8]*4K%:Q]<Z1XSYS/C/B]D52```````````````````````
M`````````````````````````````````````````!__U(;"*<1`````````
M``````````````````````````````````"X]^W.Z:_9?&>Y=RMSJO3V/E7W
MF@\3^[9\'H/'-%9I^Z]AC>=/BC[NVZM3$1GPPI+%-E2<Y;DY\<S;TTB;SYRW
MY^ZAV!^[^'Y#O_D,&F[WNN';:QXQ@I;[2\?ZN6O3'^'%K'A=9M,EN$``````
M```````````````````````````````````````````````````````````/
M_]6&PBG$0`````````````````````````````````````````!L5U+ZY[5V
MR[$\5\`ZAAYF?R#L\6!:6S;.7T:WJL)#EIM^T2$9_(IG7M;A296$*SCUG&TM
M8SYEIQFZE9O:*P^L['[3WO>_=?"]L;#6,NZS16UM-?EXX^++DGZJ8XM;3UF(
MCSF'3/X[T'5>*M"TSC/1JMFDTW0=8I-0UBI8\,H@T>OUT>KKF%+\,*>>3&C)
MRXXK\[KF<K5G*E9R241$1$1Y.O\`Q7&;+A.,X_A^-PQCV&UPTQ8ZQZ4I6*UC
MZYTCQGSF?&?%[(JD````````````````````````````````````````````
M`````````````````````!__UH;"*<1`````````````````````````````
M`````````````%Q[]N=TU^R^,]R[E;G5>GL?*OO-!XG]VSX/0>.:*S3]U[#&
M\Z?%'W=MU:F(C/AA26*;*DYRW)SXYFWII$WGSEOS]U#L#]W\/R'?_(8--WO=
M<.VUCQC!2WVEX_U<M>F/\.+6/"ZS:9+<(```````````````````````````
M```````````````````````````````````````/_]>&PBG$0```````````
M&0N-?^.R_P#V\_X2_P#^Y7_`O_O('_VG_P"6_P#I_P#\/JEU?/T_O2O$?^IO
M_P"D_P"G/_J/Q/.OE_B^CZNIF_\`TG%W^5]'_L9_I.'^4_V,_P!)P_RG^QG^
MDX?Y3_8S_2</\I_L9_I.'^4_V,_TG#_*?[&?Z3A_E/\`8S_2</\`*?[&?Z3A
M_E/]C/\`2</\I_L9_I.'^4_V,_TG#_*?[&?Z3A_E/]C/])P_RG^QG^DX?Y3_
M`&,_TG#_`"G^QG^DX?Y3_8WT:C_BU7__`$]_XC"_XO\`\)_^Y:_XI_\`CO\`
MZ_\`_%YA_E>V#_KX?_8/QX_&_%\_RO\`#]/U-G__`(GB[_(^Q_\`A!_\3P_R
M'_P@_P#B>'^0_P#A!_\`$\/\A_\`"#_XGA_D/_A!_P#$\/\`(?\`PA>4Z:?_
M`-3.M_\`[;_^RW'/_M!_[9?^EZW_`-%__@__`*?_`.OB9M/Q*^7DZ.^W_P#_
M`(?M+_TG_M^#_P!+_P"G_P"G7_I?X/H;+%SZ\```````````````````````
C```````````````````````````````````````````/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g90582cscf2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582cscf2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[06\4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````'````O`````%`&,`<P!C
M`&8`,@````$``````````````````````````0`````````````"\````!P`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````,B`````0```'`````$```!
M4```!4````,&`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`!`!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`8?\`/?2/M/YNW^;B-?3V_F;/W/S$SO\`GK(W_:)GVSZ<S[?H_P#@:\L2
M3?M<W_VH?5?^SN3_`$N=IGZ$[)]_\K9O2?\`\^9'J?:9_-GT_/A>5))?:K_V
MH?5Z?^?VYWH?:]T#=M]/B3M_Z6]%_P#7D?\`=[_H+R-)+[4'_J_U?7/_`%Y'
M_=[_`*"ZCZF_MOT,K]N?:_M&]OI^O&STX,>CZ/NW[]_K[_\`@5\]I)#ZLO+_
M`,X/YSK_`#GROU-[/Y7_`$DO9_*_Z2^64DYN_8_4WL_E?])+V?RO^DOEE))7
MV/U-[/Y7_22]G\K_`*2^64DE?8__V3A"24T$(0``````50````$!````#P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@`
M`0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#
M`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``<`O`#`1$``A$!`Q$!_]T`!`!>
M_\0`F0`!``(!!0$!``````````````<)"`($!08*`PL!`0$``@,``P``````
M```````!`@D#!`4&!P@0```%`P,%``("`@$%```````$!08'`@,(`998UA?7
M"1D4%1$2$Q88(B,D-PH1`0```@@%`P,"!04````````!`Q)2$Y/3!%87$6(%
M%@<A,0)!409A<?`C%!4(H<'Q(C7_V@`,`P$``A$#$0`_`+?I1QU<N..9+5/Q
M9B@;?;<@B0'HOQ^K-YL)9)D*C2RZ53CLQ69J[;*)9R_67@#/2RX==;Q6\2H:
M#0OE5"[K5:JLEQ&<(\8>L?X_X943Y%DALZ/6?CYB30V;)3UP1ZP<@'%=5'BK
MQ-;><TDCIA^()>E*:\;.%`>A5V-=INS5UI!@PC)-\Q(!(Q29MWR=6EHG'ZQ^
MKZN9PM25\@T:<F;:CZ6F@]Y`Q57E^'IW@]T)<SL)N'$9BUG)?QQF=*/TJB/&
ML8(AT^;>K<5DBXCEEM)<J<=-$ZU,Q9,#VAP0)C`UCB+"_I_-2>?ADQ$[:R&E
MNV095R!UMN/"/OS\=,R$>@P\GHN22XT&I*O2(M(9>];T:Z+H:6SZ5=TNTW+=
MJF^^RQ]_E]VG%QF.9`1()?F*J.@7)#8>"\;7I=QQJ1$EJM[)IGEI"DA.?<9.
M>I22R)9"EYOF3])AOJQS^?URB9J(J5&B>KW[E`C]>*4L3T&-4=.I2\IX=36>
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M#C>*H$+*;Z-R'-MAOGYUAVY,K"*)U4`/BU<*.!OV5QK54IQ]XF4*W9JK4;=-
M"G44NTV#-RW3:U)#VBJ[,Q-!K`3<ZF408>/A35*TRF9C"939QM>-^7"KA2\*
MVNR:E-ORH3J/)ER);KB*N5/I)J:63L&5RY37:.F3]VS9U+]DJY?L6('5#B$X
M,?F>V"K$,X^)A2?Z4N++AB('"Z-']`]J$"[N:%M,1TUR3,T%VPL7[/X6E"\C
MH%I2+J-\E8,DM+@A[HSF:(6+)*TWV[#$88Z/R3BN-/L.2%$S%.-Z[%#?=BC=
MEK$5Q1QIC%9<QVDJT9Y1X4*.$RT%8FIK21;?*0OZ:7:]:U4W:''_`&9H90R=
M)$]6VY,F,%THX67@RVV1DB>)O!W.^/GHY9#ODJ'$LM'5I7V"J7W8O&<=4]SL
MXR34E!"*6%A]F*;M^H\DW+18D(</2/U2M!D\X[-W+'*MW(U5%HY.ZGBI0V[S
M0C1T*KE?JDJ1M39N&C19JM<\K*/^M?O+7[HR8TJMHFE%_0[78UL7M*!&$>$$
MA9UN6)9DPA;$@?B)+YCA^OS$21F6:7V@=-VC[:7)PB9UEW#JVW$BT+"-_$?F
M3ADWH<*%C!,CJ8I,TVJ=+M.@AQA%@R\(_7$EC.\C&S,L9!XM2CF8I)[HB@NV
MR"P:Q,E])RW,*:3)D<MXV1TN7XAD9`.$[JXGD[/\(QQ0I7B=51!15/ZE^OK[
MIU@M-A!0C!%;N3C!6369Z//9ZX^C:>PW)7/JO*!::%%1:L@LMUIB9JZ#\+WV
M_=)5E%DF=U::>R-=4^_=+D+%XI;)^WLS]EC((@VL>-)B9!4\94WPG-5*B1*>
M3;=3.,'WO*"@FMN/+;Q;CA14UW-)!*+:Z7.+UPX0M7DE&+FS=ZW307K_`(J<
M/7@J+(M6^PHLE;!W)9WF6V[&M.F-<XP;+*`_EF17@UZ)JF9`,O-[-*6%B.F(
MI6928LH)[O<BK=J1R5M';[H+6C&EQ*KKNWHR_6#K<PHCA...;#674'-*S(;)
MDWT\-9=F:Q&R2>961+=8N=CU<3QF9J?BIRN:32YB"+!K1V(1BY=O-TL4-DKE
M5Y+_`!+YD?M'[K/<7FPC-Z=LEE&&D0VW\8%MHP.98J,D))EO1@=G"R;F>_.#
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MXQ^RW:LFK+?44.`FE5FHZL:$Q48RK^U9D>FX=Q,.KJ-%I-7)VUEM-%[2JF2)
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MY_:@>OHMIP+)+Z6R9>2UQIP^F4$YL4]$R0H`;#E8<.3@5NQW&^IF4&6P'"LN
M0HT:KJE3>1E6TC*2DBG5I'.'K)F[?-&OZUC%G4"`````````````````````
M````````````````````````````````````````````````````````````
M``__T(B^R?LPY6.S:48]#CS[:97:I=_?+^MI]UE\$^R?LPY6.S:48]#A;3*Y
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M5,;6FNBNG773737373734+:97-_?+^MI]UE\%MD[W`^Q]'3R"0D9.N!*2DHD
M53DQ,3F1%1%/3D\C8H+$B!`D68EHL3)$RUJFW:M6Z::+=%.E-.FFFFF@6TRN
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M4OX1^/P^?K'C\X?*/MPA#)+L*L<B,A=RL3QR,J/-%\M[9GZJZK>2<`["K'(C
M(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<
MK$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\
M<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1
MYHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG
M;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_
M575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575
M;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3
M@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'8
M58Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y
M$9"[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"
M[E8GCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8
MGCD*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD
M*/-$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-
M$[9GZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9
MGZJZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJ
MZK>2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>
M2<`["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`
M["K'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K
M'(C(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<`["K'(C
M(7<K$\<A1YHG;,_575;R3@'858Y$9"[E8GCD*/-$[9GZJZK>2<!__]&FP>4T
MB```````````````````````````````````````````````````````````
M`````+>?2OAK_P`M,QFXK.=*_/B2`OUTJ2#^19_RIRJJD3VO;QF&?[:5V;O^
MQ.8I^3?L7:=;9E+2SMO7^-==!S2?A3^<./M!][?X]_@'?'Y]E)^<D4NA=,HY
MF?QAQ^/R^4(_R)4?I_,F0I1^,?3Y2Y<R#]!(=]M%````````````````````
M`````````````````````````````````````'__TJ;!Y32(````````````
M````````````````````````````````````````````````````]QO_`,Y_
M9S_A(X_]%_\`:?=EQ=\OR_\`!^Q_:_XK'^@_A?Q_Y7^I_P"C?C_B_P!O^W^T
M_9_T_P"K_(.]E^%"/#WX^K8Y_BA_8-N\W_;?_:_KOG_6<>%*EPA8</K96-&C
MQ]+2VX>O%?\`#G?I\```````````````````````````````````````````
- -``````````````?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>g90582csse2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582csse2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[07&4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````'````N0````%`&,`<P!S
M`&4`,@````$``````````````````````````0`````````````"Y````!P`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````,K`````0```'`````$```!
M4```!4````,/`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`!`!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`8?\`/CV[?M,:;(]./SMNS\W;_.?147_\]-H]3[1LUB?2B/;O_P#1:\M2
M3?M<W_VH?5_^S_=_VLW0>=D[?SN?=M0S_P`]]K9^T[=-D^G$0[9M_P"FO+$D
MOM5_[4/JU7_/S>?0^U>I&NWTYB?_`"2-_P"O(_[O?]!>1I)?:@_]7^KZY_Z\
MC_N]_P!!+_UY'_=[_H+R-)+[5?\`ASZV?_')@Q]NGM]!>A=,W?L[%];U_5])
MGJ>M/J[H]_K;?;ZF_P"EM]G^C]B^8DD1]?JV.5WE\^W^4_[E^IO9_*_Z27L_
ME?\`27RRDBVOL?J;V?RO^DE[/Y7_`$E\LI)*^Q__V0`X0DE-!"$``````%4`
M```!`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`
M9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$
M!@``````!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("
M`P,#`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`'`+D`P$1``(1
M`0,1`?_=``0`7?_$`)<``0`"`04!`0`````````````'"0@"!`4&"@,+`0$!
M``(#`0$``````````````0(%!`@)`P80```%`P,$`@("`@(#```````$!08'
M`@,(`998UA<)&137$1(5%B(3(R0W&`H1`0```@@&`@("`0('```````!`U(3
MD],$5@<7$0(28@46(3%!!E%A%?`4<:'!\30U"/_:``P#`0`"$0,1`#\`M^E'
M'5RXXYDM4_%F*!M]MR")`>B_'ZLWFPEDF0J-++I5..S%9FKMLHEG+]9>`,]+
M+AUUO%;Q*AH-"^54+NM5JJR7$9PCQA\Q_P!?]F5$^19(;.CUGX^8DT-FR4\<
M$>L'(!Q751XJ\36WG-)(Z8?B"7I2FO&SA0'H5=C7:;LU=:08,(R3?,2`2,4F
M;=\G5I:)Q_,?R^KF<+4E?(-&G)FVH^EIH/>0,55Y?AZ=X/="7,[";AQ&8M9R
M7\<9G2C]*HCQK&"(=/FWJW%9(N(Y9;27*G'31.M3,63`^H<$"8P-8XBPOX?S
M4GGX9,1.VLAI;MD&5<@=;;CPC[Y^.F9"/08>3T7))<:#4E7I$6D,O>MZ-=%T
M-+9]*NZ7:;ENU3??PL?OF_EIQ<9CF0$2"7YBJCH%R0V'@O&UZ7<<:D1):K>R
M:9Y:0I(3GW&3GJ4DLB60I>;YD_28;ZL<_/\`'*)FHBI4:)ZO?N4"/YXI2Q/0
M8U1TZE+RGAU-9[!7<7(?IQ@0IDAJX?CUI()M.>AN8(SI9GQS2`@35J_U:B\O
M(-OX"\O)E:=9+?+MD:JBXC_47-(N-\`G%'QCJ\L8PQNAOR5U]TGI,;LCQN8<
M[EME4K$MW,QGM5_'95+.5XU4-.T5;*/:L+AC2Y2J4%]*K=!V[^NI.,?GY;U:
M8,>*&/N2D5O.-E4MG.V7U.16#58HUS]4O&5_5U/*_AD\,=)&^#JH%([9T;G&
MPG63Q(]926J3)'RC@N6*;2K=NC\P_A$)E@R2VV!(R<VF61R"QJDG,ZVWWQ%*
M,TT91UQFEQ(R,;:QWFCIOFTHC\B%GI8NZ75Y/LEZ;R&;,T+Y/]B9Q2IME^/C
M^6<'D-C)*E&8\'&\50(64WT;D.;;#?/SK#MR96$43JH`?%JX4<#?LKC6JI3C
M[Q,H5NS56HVZ:%.HI=IL&;ENFUJ2'U%5V9B:#6`FYU,H@P\?"FJ5IE,S&$RF
MSC:\;\N%7"EX5M=DU*;?E0G4>3+D2W7$5<J?234TLG8,KERFNT=,G[MFSJ7^
M$JY?L6('5#B$X,?F>V"K$,X^)A2?Z4N++AB('"Z-']`]J$"[N:%M,1TUR3,T
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MQK8O:4",(\()"SK<L2S)A"V)`^(DOF.'Z_,1)&99I?:!TW:/MI<G")G67<.K
M;<2+0L(WXC\R<,F]#A0L8)D=3%)FFU3I=IT$.,(L&7FP7`ELEVDHX9EC(7%B
M4<R5).=,5VF\26#N)4OHN6UQ01))C=N'$_6LQ#TBMPV3N+B>4M::(AL]0O$Z
MJT]25/T+^?G[3K!:;""A&"*W<G&"LFLST>>SUQ]&T]AN2N?5>4"TT**BU9!9
M;K3$S5T'X7OM^Z2K*+),[JTT]D:ZI]^Z7(6+Q2V3_A],_98R"(-K'C28F05/
M&5-\)S52HD2GDVW4SC!][R@H)K;CRV\6XX45-=S202BVNESB]<.$+5Y)1BYL
MW>MTT%Z_Q4X?/!461:M]A19*V#N2SO,MMV-:=,:YQ@V64!_+,BO!KT35,R`9
M>;V:4L+$=,12LRDQ903W>Y%6[4CDK:.WW06M&-+B577=O1E_<'6YB15XXY)K
M,9<0DSK<C,F2O#LV5^8R\;I1YFY"MQCYWOE?=TRM?0LFJQI-+FH()F_[6A7[
MEZZWBQ0X2KKO)FA6\8'\<(_RL]Q>;",WIVR648:1#;?Q@6VC`YEBHR0DF6]&
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M>$C1ZV*Z5Y.1G<F(+9=5N3"U-S6[:MT:FK^E1([1>O#\_?\`+CFTP87UKR73
M=3D8L*^[)KRN3DU8B/$E==4W,Q&7,JVLK(SOE!PIU]49\B8Q*+?)&:UY*4R*
M,G&D`Q07HJ/ZW/VH'S\+:<"R2^ELF7DM<:</IE!.;%/1,D*`&PY6'#DX%;L=
MQOJ9E!EL!PK+D*-&JZI4WD95M(RDI(IU:1SAZR9NWS1K]:QBSJ!`````````
M````````````````````````````````````````````````````````````
M````````````!__0B+W)^3#E8[-I1CT.-?73*;REW]U?SM/LL/<GN3\F'*QV
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MG7`E)242*IR8F)S(BHBGIR>1L4%B1`@2+,2T6)DB9:U3;M6K=--%NBG2FG33
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M$GKYX1YN;FCP=J]`,9J/^_\`BO+?L?[=^XX[_$PF0DX;EE\LB7'GY^7YFS(Q
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M````````````````````````````````````````````````````````````
M`````````````````)$B2+GA-LGL&(F`G:JCSD=UHK0;I/\`STLZJ*V>M$K9
MDY=HHK^*FD:;E5\U?UT_2P6MUW*OQ33KJ+"$>:,(0^XMKX+PV/\`V+S/C/!>
M+E=?D,7/Y)4N'XZN>,(<8Q_'+R_?-'ZY>6$8Q^(/TV<;H*:>,L$19`S)TUJ;
ML8M%.;E@Y7;TLWUA1H_V'7`XCEJFJNBV?<SA-FE`Q33K^FE\S7I3^*?QH-GR
M\L.7EARP^H/83]2_6\#^G_K7A?UGQW_B8.1RRX1^H\_-]\\R,*4SGCS<_-^.
M/-'A\)N%?H@````````````````````````````````````````!_]*FP:IX
MB```````````````````````````````````````````````````````````
M``````````````````"^?_YWNSG_`+U'>X'_`))[6.OL9\O_`$?QO]F_%C^X
M?'_;_L?V;^@?R'Q/Q_Q?!^?^W^?^H<C#\.OY^^'P[,?_`"K_`(#<F9_E/_;_
M`.RF?[/CPZ:SXK>'YK*CKZ?QT5O'YZ7ND'->D8``````````````````````
2````````````````````/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g90582do_o2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582do_o2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04^4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````$@```P$````%`&0`;P!?
M`&\`,@````$``````````````````````````0`````````````#`0```!(`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````*D`````0```'`````#```!
M4````_````*(`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@``P!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`Y])<4DFO/O:I+BDDE/:K;^IFW_G)BSZ4P_;ZTQ.T_P`UM_P^WZ'J>S9Z
MG^$]->7I),O+_P`]#;YAN_3G_L,E_P"PR^8TDYV?L?IS_P!ADO\`V&7S&DDK
M['Z<_P#89+_V&7S&DDK['Z<_]ADO_89?,:22OL?_V3A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&
M```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#
M`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``2`P$#`1$``A$!
M`Q$!_]T`!`!A_\0`B0`!``,!``````````````````<)"@L!`0`"`04!````
M```````````%"00!`@,&"`<0``$"!04``0,#!0`````````'"`36EQA8`0(#
M!08V$1(B410U968).0H1`0``!`<``@(`!`<````````!`@,%$E+3E`865A$$
M,3,A01,(83)CPR0'-__:``P#`0`"$0,1`#\`IL(I2(``````````````````
M``````````````````````````-//_/>PGRJIQ2DNM6KPGG_`&7A^GTB$O2W
MSGM.@Z[T'0=QZ3GVPD?[;UN_I^ZA8F"B]/.]?OANN@^77CY>+7GC8S33[>:&
MTUVY7UZ<(_,\T/X/8W]K7_67TKU/=^;<AMM+[%NI_/U_K4ZLDL\DU2/Q-6JX
M9X1A'^G+AIR1^(P^9ZGXFD:C;1FHXQMZHLF\M&3AERP>S.C<)\=:MI0TRT9J
M.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC
M&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQM
MZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J
M+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR
M;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\
MM##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0
MPRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,
MN6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E
M@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'
M1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;
MA/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3
MXZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.
MM6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5
MM*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2
MAIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:
M9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6
MC-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS
M4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'
M&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC
M;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]
M463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%
MDWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-
MY:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6
MAAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH8
M9<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7
M+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP
M.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#H
MW"?'6K:4--__T*;"*4B`````````````````````````````````````````
M``$B)(EWL%M4_P`"D7@.NU[3V:C^KZ7R'G8/\].'7L>[CN*"XXF,Y=FS?^UZ
MV!V\F[GBN?73[."&X]_)N^FW;KJ:PA&:,(0_,4K8K-]_D5YMEBM=+'</MUY*
M5.'\L4\80^8Q_E++^9H_B66$8Q_A!TUVUH-X]L2$)>@WA>+33SJ:>4@.@XXS
M7AV0_/W?:_G&^B]-'<7'KNV;.R]/Z&+BNPB=-NOVZ<\3NTV_3;]-"2EEA++"
M6'X@N#XCQGZ'#N-6;C-MA_Q/IT)9/GX^(SS?FI4C#-4GC-/-_C-'X3@;G8P`
M````````````````````````````````````````````````````````````
M```!_]&FPBE(@``````````````````````````````````````````!<?\`
MX&/]E21_$_B:J_)?Y+X!WGPC^[/U_I7[XYJ'[(/OO]L__KMB_1^C[/[/\WZ)
M_P!/^K_M?U&_PSUGP```````````````````````````````````````````
4```````````````````````?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g90582fh2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582fh2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04Z4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!G````!@``````````````$@```O`````#`&8`:``R
M`````0`````````````````````````!``````````````+P````$@``````
M```````````````````````````````````````X0DE-!!$```````$!`#A"
M24T$%```````!`````(X0DE-!`P``````J0````!````<`````,```%0```#
M\````H@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`9(`````!
M_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.
M%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_
MP``1"``#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`````````
M`P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$
M`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T
M<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2D
MA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$
M`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#
M4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34
MY/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#G
MTEQ22:\^]JG9M]1F_;LW-W>INV1(GU?2_2^E_I/2_2;%Q*2"8[C;?KL_3G8?
MT7@)?^PR^8TD]W?L?IS_`-ADO_89?,:22OL?IS_V&2_]AE\QI)*^Q^G/_89+
M_P!AE\QI)*^Q^G/_`&&2_P#89?,:22OL?__9.$))300A``````!5`````0$`
M```/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B
M`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8`````
M``<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#
M`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`!("\`,!$0`"$0$#$0'_
MW0`$`%[_Q`"+``$``@,!````````````````!0D!"`L*`0$``@,!`0``````
M`````````PD!!`4'"!```0(%!`$#`@<!``````````<(`M:7&%@!`P0%-1$2
M!B(4(6,T5!5E"1<1`0``!`<``0,"!04````````!`A(#4M.4!0865A$Q,@1A
M,R%!8C0'(A,4=`C_V@`,`P$``A$#$0`_`*;#E*1`````````````````````
M````````#?\`_P`S6>\]Z[MTZ2OE<#E[R<]-RX?G:P]CL0[T&SP$Y^-<CC\C
ML^NW.7L_5P^7\OYL?'Z;B[FGK%M[_/AW?36':CUTDM25SPA_)ZA_A_@5W_(?
M.=JV6>U-':;<W^]^5-#Y^(6+<81FE^8?2-V--J6/UA&>KZ0BZ`T+16GP0PPP
MMA;S###II###"BJ;:0PPZ:>FD,.FGQK3333333\-#?IEPP6@PX+PB$(0AP[:
MOC_J?CY;-HS4<8V]463>6A3+A@ST;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PG
MQVU:2QEEHS4<8V]463>6A3+A@=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=
MM6DL99:,U'&-O5%DWEH4RX8'1N$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5
MI+&66C-1QC;U19-Y:%,N&!T;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2
MQEEHS4<8V]463>6A3+A@=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL9
M9:,U'&-O5%DWEH4RX8'1N$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66
MC-1QC;U19-Y:%,N&!T;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS
M4<8V]463>6A3+A@=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'
M&-O5%DWEH4RX8'1N$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC
M;U19-Y:%,N&!T;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]
M463>6A3+A@=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%
MDWEH4RX8'1N$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-
MY:%,N&!T;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6
MA3+A@=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4
MRX8'1N$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N
M&!T;A/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@
M=&X3X[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1
MN$^.VK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N&!T;A
M/CMJTEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@=&X3X
M[:M)8RRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1N$^.V
MK26,LM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N&!T;A/CMJT
MEC++1FHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@=&X3X[:M)8
MRRT9J.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1N$^.VK26,L
MM&:CC&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N&!T;A/CMJTEC++1
MFHXQMZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@=&X3X[:M)8RRT9J
M.,;>J+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1N$^.VK26,LM&:CC
M&WJBR;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N&!T;A/CMJTEC++1FHXQM
MZHLF\M"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@=&X3X[:M)8RRT9J.,;>J
M+)O+0IEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1N$^.VK26,LM&:CC&WJBR
M;RT*9<,#HW"?';5I+&66C-1QC;U19-Y:%,N&!T;A/CMJTEC++1FHXQMZHLF\
MM"F7#`Z-PGQVU:2QEEHS4<8V]463>6A3+A@=&X3X[:M)8RRT9J.,;>J+)O+0
MIEPP.C<)\=M6DL99:,U'&-O5%DWEH4RX8'1N$^.VK26,LM&:CC&WJBR;RT*9
M<,#HW"?';5I+&6__T*;#E*1`````````````````````````````#WG_`.$C
M-;:FD<-5/EG5?9JHY;^*^?=K]SL^SG=,G.QQ]_\`YI\>B]\.D>U]WUG/WNYW
M=/IB]_:P[6YI[N/#Z;]B2F3YC]8K,?\`S7P#J/!K>]?G6*=ZW>F]-\P_U26(
M0C_QY/T^99HW8_K<A+'^,J[PF?10````````````````````````````````
M````````````````````````````````````````````#__1IL.4I$``````
M``````````````````````2W0>=Z7Q/ENN\_X+]9L^:_J?W/Y/N,P^L$_P"+
M_<_C_M_N2_?]GUA]_P#3B_3Y=5_H/!=+XGQ/7>`\%^CV?"_U/[;\GVG4A](+
MK?Q?[;\?]O\`;E^S[/I#[/Z</Z?"6"<`````````````````````````````
F```````````````````````````````````````````````!_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g90582fsc_logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582fsc_logo.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0Z@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````-0```*0````(`&8`<P!C
M`%\`;`!O`&<`;P````$``````````````````````````0``````````````
MI````#4`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````O_`````0```'``
M```D```!4```+T````OC`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`)`!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]57%Y]_4OK7]8LCHN!EVX/1>DPWJ63CNV6W7N_[1U6CW,97[
MFW;?^$]7_`KI^M=29TKI&9U)\1BTOM`/=S1^C9_UQ^UBROJ%TQW3_JQBNN]V
M5G3FY3S,NLO_`$NY^[\[TO2K24Y/4^CYOU/?C=7Z%=FY>$RT,ZGTQ[G9+74.
MGU,FECO?5=3&[?\`^BO5]31]%OUFNP>N=)SP<*`.;&OK<Q^^QU5;+*Z_M#OY
MBQN35L_TGVFK]$NG7&_42XXG4NM]&S*'8.<_+?U!F+H:QCW;&,=CVL.RS:YG
MZ7Z'\Y_QOI)3=^NS,US.FV8;;7V8N2[+VTAQW?9J;\H46;/S<GTOLWO_`,):
MQ8.&>K4.LR;V7U69&9D9CKWT'(?C>OTYV76,1EK7;78UUE>%Z;?Y^VO[(NQZ
MSG=5PQ4[IV&,T1:^]DEIVUL+V,K<`_\`2VV[*V?H[5GV?63J[+2#T:_TV>H'
M;0]Y<YKQ53Z.VG;L?_A'O_XVCU\3]:24XK.O?7%S<$9/ZGE6W6-RJ[*7"EMS
M;,9N/T[U*L;->ZC(PK+,EF17;^ENM_IE=>(_&1>B7=2S?K7?D9XR&65X6919
M^A+6T$9;/L^/C7MJ;7DN?B,JR&.W9+W_`,Y_-V>FM2[ZT=1QZ?5OZ4YN^]E%
M->ZP/(>UY;NWXK6>KZU?H;*7WU?X3[1Z/V>W(CF?6OJ>(UYLZ+>2QWI@@O+"
M[>RG:U[,9[W;GVL]+TZK/6W_`*'_`+4_9TIY_I_4.I87217BV74XC<HUW=:J
MQKGV7_JYLIR'8.>W)MKMNRV5XV;9Z7IV7_S/I>JK=_UE^LX:^HU6U9X8Z]]#
M<9[JV,/2OM3&-N-;ZW?Y<;;4QGKV7[_T'T%N7=<ZUCW7-?TE]U0N:REU1<7%
MCF!\O:*WLWML;9ZC_4^S?S?Z;]]O^</6!50YW0\AUMKW,L8QX(8!Z6RPV6LI
MW5V>O^[_`(&[]Q)3CY'5OK/BNR*3;D79E6$V[I](Q6EF78ZM]N7;8^ND^G9A
M6.]/'P&746_H:?4^V69")@];ZY]MZ2R_(?EXV59>PC&I)>]F_;CY.;;?A8M+
M:,=C7U97V9F#9ZGI9%?KT_HUK,ZYUDX9ROV38ZQPI->-):0;#MN]5]C/4_1?
M2]F+O_T]=*`?K3U<"P_L')_15EQ)WZO#6[:F;<=S[=U[MN^IC_U?]/\`SWJ8
ME:4](DN7L^MW4[*\K['T>VU^.ZVN9<\-LK]'97<VFI[M_P"G_25T^K_P=EOZ
MU]CZA)3_`/_0N=<^K7UBPF'ZN89MSOJYU7)JVD[K+,0>JV[(JMM]UGV5W\YZ
MUG_0N_I.U]<.J_6_HM=N=A?L^OI%+J&5AS;'9!+W5TN:YGLQFL]1_P"__-+=
M^L75;NC]'R>ITTMR/LC?4?4]YKW,'TMEC:[_`-)^[[%BYO67]4Z5GSTS&Z]A
MXS??5AWF[?D,]"YN*UMF/5ZGZ+(]?[1C.O\`YFRGT?M'Z))2'+^L_P!8[OK-
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MKJM_T/2]<R<RAE+<7I8ZKZSC4]I>U@8'1M=;ZK'_`*#</TO[G^CL67BY>8[-
M99;]6G4-ONBW(=96\UMKW6,RC2UOY[LR[T_1_2^M]K]3_ADISCU7"LQ?3_;]
M@JQ&7669C:[FMV76TUXU=KCD?:+KJ[+FU46?I/U.[_!7_9LM0=F='8+?^R3)
M=8YKQZA%VXF'MK_FW5M=5ZUUGLKV>I=Z=.)91Z:U,+/ZB,=QS.A@9;:'%QJ9
M#+;&"K*%%?Z-_I5^M??_`#K_`.>J_5?M=JL8&8<KJ#<+,Z,S$]6FR[<Z'Z`M
MP=EFVEM3774,^AZV_P"S>C_PGHI3BY+\&ZA]576,NJX8;[[\9M;B]P?2S+-M
MQJ?74Z[T/I_K&SU+:Z_4KL?^E5G5,)UUEG[;R>GPYYKQG5NL#6BNHN;&-;=7
M973Z-OJ;?YJ]_P"C^SL]2O+O#J77*\5VWH3+,MV,YSW!IJK;8UF1^H;=M[\E
MM'H58K+V6,JS/79;CLJQU<MS+J^I.H_86_%-E8^V-#3N:6G=<ZD5;]U'J6^S
M=_,^I_A[/LR2F%GU:ZC;415UK*K#V&"XV;PY];Z]Y_35_P`W;9]HJJV_H_YO
M\S#^QSS/JYU#*MS+/VQD5MR2354S<&5-(#'5[66LWM=M_-])_P#HO2OL]9!R
MNL?6:M^2VK$:12^[T#]GM>+FL>STJZBRYCJ[?LY_GLBNG%RLG]%395CU?:[C
M9G5?K%7DW-HP=U;;*VTU&MSB]CF;]S\NN[[/5ZV1NQOH6?L_TOM637?5DTI*
M=O'I%&/50#N%3&LW'D[1ME$7-6]8^L[<?'=7A;WO8]V0_P!!X#7`_19C?:/6
M_5&;_P`__*GI?J7H^O78A6=<^N0I<X='#;&^I+='M:X/QQ16'-OKMR/T#\KU
M+ZZ?3]7T=GZ-ESTE/__1[KZY?9/^;N9]N^T?8=A^U_9/3]7TOSX^U>S;_4_2
MH>7Z/[&L_I?V[U*/5^R^A]O];?7]E]?T?U/?Z?H^I]H_5_LG\_\`HE\Z))*?
M<,K_`)N[^K_MC[;^U/U3U(]+[1ZDN_9/[-_97L^W>M_,^I^L_P"E_4ET?1OV
MEZKOMOV^/3]OVS[%MF?_`#5^_P!?^O\`H?\`1KYL224_0_UO_9^[IGVW[5/V
MD>A]FV1O[;OM'M]?_N+]E_RG_.?8?\,L7JG_`#8^WOW_`&[U/4?/V69]3[5E
M>MM]+\[[1]KV?\%]I_PZ\2224^XT_LC;B>A^U-_H8?K_`&?CT/0_5OM/H?H_
MYOU_5]']/_/_`/=9/^I_8<K[7^U]GV:V/ML3&_&GT?5]OVKU?L_H;_U;^<_X
M=>&I)*?<F^EZX]#_`)P;?7T]*/1C=^?O_0_9=_J>I_UWUE6ROV=Z-/VS]MQ]
MD/J^KMW>AL'VKU?6]G\WZ'VS\SU/0_[5^DO%DDE/N6']GWY?J_;OLGVJGT?M
M?I^EZGVBS?ZOK?J_]*W_`,Y^G_F/^]'T5'7T63_SBC8WTMT3OVO]3?'O^A_.
M>M_UK](O#TDE/TO]7_LGV%_V3?Z?KW;O4V3OWN]3;Z'L]/=_-_R%IKY5224_
M_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@
M`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`#4`I`,!$0`"$0$#$0'_W0`$`!7_Q`!_```!!0$``P``````````
M```(``4'"0H&`@,$`0$!`0$``````````````````0(#$``!!`,``0,$`@(!
M!0$````%`P0&!P$""`D`$A01$Q46%PHA&#(B(S,E)AD1``("`00#``,!````
M```````!$2$",4%1$F%Q(H&18D+_V@`,`P$``A$#$0`_`-_'H#FYE,(Q7L1E
M$]FIMC&X="H\9E<KD)-3*(X''(\.<%C1=\KC7?;1H.'-%%5,XQG/MTS],9S_
M`(]`9`A=G^0OS]WC88^A+=F/&WCQK$\ZCN)<"P8%G)DKKA%PR:2%O'#P`G8L
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MH'<:.=5-6R6&ZF=Z9B84[#G9OFCZ&@U5<CE2$+YK@ED=7U;9G2`UQ,MK>EU>
MPZGA>=5:=@2C:L<GI8?MFQ6RJ>"#_;`X0#7WRFJWWV34QJD=59'717E'O[LC
MGJYJFHBHJJB8)_XG[<Z3ZG4MXM.4)1&VDCCLPKN8U_4"(-DW;K'XPEJL28/#
M3?XI5+.J*FC+;&%%4A8I-2]R6Y55_4ML^"'B*/\`*.\O(R8777-DGM"`U[-]
MZWGMM4>&BCG,^K.(S=%=NX`ECRKABOME+;91TV:*MM4G&5OCJMA79R>JE^_Q
M$1H;EZBO';6\NQ;=^]/V_0S^(=V3"R#N><K`JN+AIY<D?G[[!LE.Y$E'1\A8
MJC6+0@GG*;A3"F4'6F[+`-6VR6N?_+C:]NV#R95D@JRNH_,;!ZZZPY!Z(W#O
MY.4!B)?S37\>G"4CJ5V\=#W6`TD1E#3WIE$G:B6/?IC/UUQOE(>,3>Q&%7>6
M;M:_GO&$'ING>:]K&ZN)]:LB#J>E+("0B"CN:)_D5@[LH&*FSQ/0I#V#G"C-
M-+=50HJCMHHDWPIKZ2.J4MDM0GRB=*S&J>H.W\5/1H[ACGP]>D8`1]:2SM;I
M>RWM5,70F,G&KMHR=5O'`\QGJS!LY0=-\N1K)5RIKLZRW1V=I)U5+<&R&^<3
MI$]3O2A\3156738]54S5EW0TE2X:^FM<C@<VEP.*V)'+%$S&,Z30F8H]([H1
M(O`>VS`H.1573V:)Z;[:)+U4JR\/B&\)#T9S?!K=D\]H&RBTHW-;[R[FAS-U
M*K?-699TU8HLF%CI(3>/R!HT2T3*#26N'+!]A1+;_C]?5,M0X"S]""]`+T!_
M_]#?QZ`S4_V1>CY2+I&E>%:EW<OK6[*L4,(?!1:OM(O8,`D`1J+CV<IJ)KMM
MYY9)44V1S_G1RV'O4-\9UVVQF,W@K;>Q=?Q3RS#.+^8:CYSA39EAM`(LR;R0
MPT2]F\MG9#3!";S!VKNDBX76D,D<.%T_N8^J#;*2&N-4TM--:9;ER$!-H='K
M$ADNK^7,-2L3G48/PZ3B]E54-24>DXIV$-,-ED-TUT=7@U\JGG;3;7?7W?7&
M<9_SZ$,9?9G-;G^O_P!8<X]?\AS&<H\UVW+\P"Z*HD95:0-M10Y5@6.0]9_O
MHBH?&2.)J/G@)1[JX(!RPO=;"ZNNVFFLT.B?=-/4VM^J<R!NC^=*_P"I*VTJ
MNRUI"A&=)I7\\PI&"+844_-UM,0\XCNF7;L>31^#N:!HX<I_:]RJ&=M==M,Y
MQM@5.`19#XF.1Y"0ODMN-FX@IT=T-7/3%E/PD@%,W+FQ*O-$Y)'&HO=6.N<,
MHPO(CI!\\:[X667<OU]L+:>[&-4#LZ/.2>*+EN8R`\5E;BRI"`EW7#CM29UR
M6D@)Y74SN/<:S%,6DJCZD3RN:@0ELVW^R'5<Y15RY5PYV7USIKH@=F<>U\//
M.<=AE51>L[5Z@IPY19FRG%-6=6-LC@UDUS#;9))F)G4H<N5AIP*4K!T5U4<-
MV)8>1=-%7"NR3K7[F?4@O9CI=7B2H*]'\6-R>W>J`<F'4'GF:QY;$KFP.E'0
M]/;$%#"L:OPR3C!ES-579ERNY=.6WXY=[E?9)SLJVU2130%DT3H>X<ASKEVI
M>4X%=/1]'16E6D,'P>Q:4LIA"[?2'0D*^C[$<5E2D5+""HXL+(*:$&Z@S[+C
M.-=L:Z9TUSBDFY!\0\.O*XZGH76$?E5^1J8P*\Y!TJ"Z2$6:@IT=O>4O;#A\
MPL(I-B\:*QLH4E8L,R;$$50FS-QHS2WRCA?7*NT@O9C>1\,W+*E6TW7$8GG2
M5=':4M:=74"NV`V[@/>DDL6T&;8=9!^83EY&RC=Z[FHX>T;O%63%@OJBUTT0
M41QLM]U`[.R2N?O%ES+S4=YND%</+/W>\L,KT85@G(Y8-+MU6W0CQ5[.]9/]
MN.,G!C=!5;.!^VBC?9#7_P`F5L_7.;!'DW,C$$\3'-D=FUT%Q$RZ!95%T%O9
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MIMKMC&<9QZ`R@0AKIWG_`&39]*2&,&:Q\?4%6#A$]]DW`[26U^FG&T6"_P#R
MU1*"[OL4R30]GTWQL$U]V?\`HSKZFYTTP]FL7U3F+T!FV_L6\7=#=#4Q"+_J
M^21^3P#DD?)K&FU!%@6R:\B':ZH$I?829_4LFE(-(W%P:::H-1NV4P.P^5;N
M5%U=6N\9O!I46Q>-_LEEWGQ_5/1N`S>-R.1-"4?G\;9[+[CPM@1(@N#DR0K=
MQE1;(0FY:ZOV&NZBJJ3)XDFJINKIOGU3+4.#U^0FJK(N6D([!JTM#6F7[ZW:
M_4DEE;R8]&-(M$MER+$D0U6B]E5'(2SM-\^:_%8-#S-5R\^UCZ*ZXV2W!:@*
MF(1YJ8N70&PFUM)LP_;.@4@9":,.8T(FQB`N;RH32"<_^)$FEF.T3=5,09`9
MN-=$"NDF=O,2)QEEHFCB67Y(XB<0\U<(C[^,0=H>QM)=K&L)Q,+2D'))DV.E
M!;/<A9P#.L(VL\#IS&;'IS3+L8F&0Q#Q+N,N4%-6HU8@B^67Y.KNDUY&J!Y]
MZ5G02=]1F).=NNG956KR>`.2;4M`14:W.450F\.A\-IJOS%9!I^SO"//61YK
M^$VCJXG*3H'NX,OWY!R(H;0YD`_FM=#(<2C$]67?S#2S"3MJ;!<MA@E>9>$A
M+*O!\Y8/X0TF2HE&$Z."+#45H_+(RE;*!G3(S3"&JQ\V?/SK*_+\8ZPBD:O7
M,GB]0#H]'YE:+8N*Y8UA$:@LTSV"*2;+RR%`R,E/W`,.0J`*,6D>*$!`QIHY
M4.IY3?M5%UE?6"/Z[H[S`4K0`"*UA9YR22$4]0;X#OR/*4E)*20U&[JE)62R
MV72R*:9-Q/\`FDI$&$GT2??L&D/1>;!=%BN?O>ECY80-413R\NY1--YU<S-:
M)RV`=#A8R]4$<Q/F-7V`N.>LJ+D@#2)01J7-K1\\R1W<-S&Y=EM]U=-\@K]$
M\(K)\D9PX5YX7$AB)2PI9!@\?=6K7CB0QV#@.=92H+@!9>2SN7##&9"XA;E_
M%HQ^Z-((5<"RNDC5;PYJ7%:.5GS[=ZL?),;&EO(_"*`:Q&I9P'A,[*3'E1E(
MS#S:%SJ?#(I'Z5X[K6ZC<4-V*\E59MTAFT&GNRK1\%(/";_9%VTWURK]7`2I
ML&4\-_L"L0H01'SHTS(VL;L-=_+WFW'B(0L:-U&85C+`T#S%A;\84A=SJ#M(
M^J.PL/>"/EZG,*[((+OEE^!QM&8^82I'1@C)I9*W%71>."`9291D%RI,I],Q
MW^S<`'.)]75>QVLUS;>[GM#D"C5PS(BEX$U<N&;Q1)IO\G5HL?+]G!+BO.5<
M//[S4@>DFNMJ453>K@*-BW+==2Y)W->:FV)VF.*RY<!(X/,=KR+*)3<<5`,E
M!0?3?>*O$7J>K;58^9-&,/9D!\2BS`MKOH58QP(S)Z*+:.5-2#88U1>:J.$U
M%DU]]7.FV,[Z[[:[9_SC.<9^OJF#H_0'_](M)*[ZT_KB="/B05.3]'>-6])B
MX?X9%GFVYB,R-ZDLINR7+Y3R/B-QCV2.,_*V2T$S0:U^N^B+E#/XN:>CI6:_
MHGO^OUB;0CCCR"^0\E7<DN&X;6L><R-C"8PCO^U6FYJJ+%)^H(B?T;E5T7$T
ML.R2;'Z(-W3E1=GK]&[G=-!+<N1EJL=CS:>?_MEG?/-,#M7QS/N=J_Z#MV+P
M`*]MS-JB3\@#$Y7&HY)'\',R*%P066=QE.9#U5EM!SIOKNIIIOKK][7V)'17
M86/E1\SEN>/GKRHN>Z\YS`WD"EE,C[AE;;\Q)ATX(-7\OL8`X#Q-4&--LQ&`
M@JN'#YP[<C2>N4ULYRFEHAMMN;)CC*F0#^FO[$H+KJA)5S%QARS?A_H?H*''
MJM48G0T=--(XQF8ET#D;N&#(,;EDAG9A,*]<:-<N&(A%LKOJZ5PIHCL@HDJP
MARW1>IXB./9GP[PG5%(V6NVWLM1U)9[/Q[!TW?#X](YN76*YB[1ZUV5;/=XX
M)^*S=+I**H+/DEU$=]D=D\^B,Y.7)/\`V-SL3Z8KF#PH25;AW45O:EK55=/)
M#*0+/<;7,Y&R`PBHE%ML;R!WD2BOLQ8/L9'J$=&ZN^Z*B*3A&D3@JZ"<)^5S
M6&'F1SM1MI(L1D.TC+!I?]V$V*AM"4\_NIFF9G&]6@)*U;3X'"IXLV(),7+N
M**2]$>P26;L47:4LU./!S<KX9\@K\U$74MZB#O+'0(S1C5BSOLB]H]*'3^1<
MR26$2:5BR@/GUE7X\Q%)TW:'V`=G`E$_QBK_``[(JJ?3"P2N`FY1`N\)I!^5
MJN(VC6%57S#XS:R<VC4=Z%M@;K8PR``Z_KR/]*@SGZ;-9W:HFO9Q*&!E["I8
MJDPD&DB9MCQ!-SMG&!*O@',OX\O)K-0$D`3#KIHF`D-,VC6R4-3Z/OZ2B6!&
M;U=V='PSHX?<UM&2T^R+L6RZJ);%"""3Y,='B+/5)1!JT0)++./!UUK<B]PM
ME(T\+=9AHG$)S.;$CTDA<OZ4NP]%Q2EJSN-@ZDK>-+R"O%G%N,S$"1S$5&)O
M`O+,D05,-LO7RVR?H25P/D]X9\A:<K76I;I:,U]`',3L]+]5"VE8T)U2G$O6
MMU9N7>(":KDK,SI(49;&DMR.,LRT3=1W5Z,4=?<<,W:RRMT0C`*XZ%/0ZD:8
MYQ[@Y^4FT.B?6T4M./0_JRPS.Y:PYU8]G34,^`-8]5J4A+RD"[QL/?3$_P#)
MW&IIE'`T,J003>X"KE$U@.-/*`Z6"Q><]7B=H`J3KU[)#$7OVZFEDMHZE;/.
MQ&P("%+HU8%6?;B:7K25C!DH5?M"ITM)-U7K9AEPZ=>EDG'@;'_%_E)=N6N$
MNJ6S!-('>PTP6#]26^R)2:5SH'*1,*L5L'.\Z2Z+0=EC0T+QK$V;5XQA#H!H
M_"$7*Y!XGA8G'@Z^U.4/*!.SO//ZUTA75?1N&<_0ZO+IQ#+HZ,#DY38B41G@
MZ=GPZ!J/S/\`9??*74;=!I&3>,I+JBU?_-V<;JHXT6$\5-'6<Q<8]F5UU=%[
MCOV]0UNU]"ZQGT'C";^T;(E4K%?MH>E13$;I%I'`QL;462)5D4*DY'^4U*%U
MCB;=PVVU'HKJ`VHI%OOJF1>@%Z`__]/=I;%2UM>E=2NI;>AH2?US.!:@:41.
M0-LN!I1DIOHLGGW)[I.F3YDZ23<-7;=1%TS=))KH*)JIZ;ZAH<]0'/M.\MU3
M&:1H6$,J]J^'_E,@(PS(FS/Q5319Z<*N79J2DS4A+O7Q0BLJHN\=N%L^[&ON
M]FNNNHK;=LIQ\W'`/6W9$GXGL_D56!?NW+LWL:6*H38\V";(%Y`0J&0P\TP2
M)C'X8LT$EJO4P[;K[:YW^^CC":FF5?9&:Q:4R")SUX^/+G8WDWYE[;[Q*TN7
M9T>`+1-Z;B9V+,7^(@@!L]0$&'QF%QP>T?D-Y59#C?9=;"><(*9]RF<)IZ97
M(G%8M(U,,@`(:\>D1P42/($M]U"+]D.9M7C]1579=11ZZ0137=;J+[YWVRIM
MMG.^<YS_`)SZI@=O0`[=*4+KT/$X9#7,D=QP0`M.%3X]JRW()K'Q,36?.MX]
M]T<1';I:O'BZ*OU5RLWSE#&JJ*FF<Z^A4X*:7/B4Z/J6HE\P"_6ES6="JRFH
M:JV)@?-(P[C]PO70HM`KAB)R6W3)(I#S;J;#4",V1<#"+,P)T7:MV_S%=G*\
M@UV4Z$I%?%'*8_7MD`W75C<`/>1MEJRN:1A9<2M`,(%4HSK8J"L6;R2V=PTB
MKM-R.<.U$V[4(OL/,DTEE_OK;/-D$[>!QJ#Q,RR#26T9&1Z7WE0RSN0K%YTC
M9L6'G+"?0%U9$$YCBPXI%IZ3M:4YW@]>D>>-R\;:(-FI%LYD#C+A\[SHFIZ0
M.W@XJ-^'*[AV]?/#_>5A'S47G["4&CSD/*\E<L_R%=3LH=@F4K+:BX?9+>SA
MDVR)?KM"8T?'YZZ8[,5M&B>BR"]EP?757AUM*OYM0DSDO6NMBZ5%9L/G12,F
MX)-<`'*D-=40N\E,*3*W)(UXY:=M$:7=F9F4?;%F)$U*'ZK-FRS[E%T$>6L(
MGJD?&=*:SZ6?WM-NA"MF1_:S9-9`Z!N!<N")N39%]:90!*Y8YVL8P&D<Z&9L
MU`<X7T'M!BS"+BLI,D-TM=4$!Y5$`WN?"U,T&-<AXST:'C@F`FUR8Y-"$2W9
M8`H2GUPRQ_(81@;985(%-&#2RV7P72OR6V'H1)5=!77.FJ2!V\!3\>>-TYS1
M:C"RII>9BXEP>UV.0S8@G-QB>3]KN*K:HS8J-,V++@KF:(1R"DVQ!TD@BB[5
M.++)HI+9<*N4!Y2M"U7U3(O0"]`+T`O0"]`?_]3?:_9(DF+T<XW=IMW[1RR7
M48/WPI\FBZ1W05W9%!;EF3&N]=%,Y3<-EDET=_INGOKOC&V`,><?O)A3?2WF
M`#7#*_)Y?<"Y8=QYUSW7U6=0>0<K&H2TUC=ER`\RLNW:VL(OI7@1^L#':(FY
MF[=(-V+9ZXT3=9;+Z^IR=(E8Z%C/3'+?D$"\,B@W#_5%XW&Z-7"/N]V,G%QO
M&'19;GZ6Q(<]=T5!.G#;MP6=;AC^ZCT<36R+([,G&$=5U-F^B#T1-3:!^YG[
M*H2!SJ^+3C$_[)HRY.>.1K]E]P^,CL"UKJL16>S>"1UK:Z5FU[,;IL"69P9:
M`X<^;N=VC5-X]&OM'F&C%LBOEX#3K3V%?P!3T@\@O*L*ZWZWZ#O^=2CH!.7R
M!A6U07];7/\`2=2!F$W.1X%&8E$*-F4#5/%8^A'=<.'DC=&7/R]E--\[[:;*
MJ"-PX2+5^9:=D]!4K$ZFF%QSV_C<5?33;^5;0?D"T^D(>03N32>-#Y,8*F#I
M$R^A\:--`FKQ5SML[2':+>Q'&^$4Z1N7H1#W[";/FO/;Y.INBQW+<@!RN/DC
M5MG9FM`X^'@9C5_!Y]J1D2;5ZW;%&<4E[HC'\.=,-M92P&;[J(>S"Z8+T5--
MN5O(DS6HDY8'E3@PROY@/3L&ZWH>\)<(WF,>4D\BFMV+4`=(!6[=G"8-1XJ.
M:QLBFNT0'X6+O7R>GW$7FTODU.-_)RC.@^G9=S?T[5_3GD=Y:NIA:-95J[8D
MWO34GCL1K,>?D;&0;25\Y;@\N<0Z8/X^`:!'*JFJ;QN0))^Y5-?5!8)50@T.
M=:I[&@E\[AC%[4Y<`JKI;9JQ>FE.P+@<S"L(-:6T7*U7(+&BS&H=Q=@FF42R
M5'AXZ_%1.,AF/X]\.V=/L.G:PC:(4*\A^4B%P.<2F1]52&:%8S"+27BT,K.X
M;A*EIO/I%_K4%&F'JC^#BB0,/)H]%+&63#L,$M:Z(GF3H!@FMKMANLLX\$Y.
M8G-;G\<--T3;]EUZ&Z)F0"OK5,UOT';K,PA;,1J^VP=L2ZL;0DC'\]*S\`EL
M"C^8_)RK1@0W:,W2NSMJMIJNS4;$_P!2M!B'\1=SO+:'N/YBB-(<U9FE5.]*
M#Y[O>UHA'J_J2-0<6)E-/5T-C%,UNQ$-!LG:N]AY44K'-R[)[G9ZU:K(,]6P
M2OR?`CQ+WG#>>.':^@?2T?JR4<O1`RPN0XVNZW3L4L<PTO6@Y$PE1=21P'7>
M<`'-&PZ=IJ`9`V2%@R4A;#&N5QZ/Y!`)4NC[:YKB\T.-^AZ.ZROWGZV8U;O/
M$PL&-S9WV#,,OM*U<51`(E84J?6Y)Z4V=@*1(G<$9AO*M!IMA&/VM(7HS=#F
M;91P%2F@8)!XW9I%:3G;V_07`4R82RCZ<AXN\C-E-><6O/CJ$:[,V<%K!VWY
M-GE4IU+/#SIH_*Y;!XR(DS\@_0?1I=F^T:HBS[#))</W]*GG'\NGAKFGHYO3
ME4.(42@<G`(U;5=5RZ1QVCTF70'.@Z%U=.`1>:5>6K<OO%6SP3'_`+0X_P#9
M:$1'VL;;"2K`O">-6>4`WKB?7:WX-)UW!"T8&R"B[6M>7Q;GJQ99'J!TKDAU
M/(9-,Z3.()](R,R*=R!TS>@B[C"6-]MI(JZ3R_P+,SJ3)>OB\Z=M"])3;!*R
M*1M_\P/JIR4(V-I(J[)VB`KNRJEEAOEZ=QB%P&8QT'0,_!UV[P1>IKFO>_);
M[*1];WKK*H)V4`UMO"?VGK3%^U$KU!4FZEMT#6->OY<>`OY7(9Z9K2HJOB$?
MK8U)AU>P*S:TJ>/2N`;_`!7B,FER#MCE!P[CFZFQ!F_07LJH]_\`^,/87^Z/
M^SG\B\R_;_V'_FK\M\VPOD?DO]J/YX_8_P"-?XV_(?%_4/\`U/ZY_(/YGYW_
M`&OW7]8_^9]('91%G__5WRFM7^P8MJ*560*;#'^HU=L@R=.$7^6JN&:J#4DY
M9CG*R;CVYU3<+)(;[8QC??77.=L`9K^"A$;0[\\A*H>P.D2<F3DT.V[\'W'3
M_*P*AW3/\?._U]+)<%>4B78!LAOS.55&K%SMAEA;"FF=<J9Q#;T0=GD9:@'=
MC\$HUH;Z.C_0F;%GNW.A#EJ+4W,&6L;Q`Q_\F)64&M^80>";U#O%,L<N%,O]
M=-<X2QIIMOE+.HBWD#`*/Y]'^5VO4O(%++NEW76W+=A9IA[9-><YUUR^E3.(
MC:G\EZO!=-6?:)A<SO",S3Y&TS>)C]66KS_&WN$^UN6^M:'"\*"G;UK;BWBD
MGO>\9X_TL.7_`(<?*ZDY(G%&N9'AZ^P7QS,8Z"NNO;19!5'^?KIE^Q<-=%,?
M0EC9SGW:O0?]1)H0YQUG&E.1+2R5K@<SC38]K(G%\-J496<N_P!9(7QNL;9\
M[NW]/-!JNF,;"D@ZZR:8G+;593=QA7;-,L"7R[-:R><PQ!O9QN7QU%3H2H?T
MDQ&(M5\S$M+!U?%=@'\BQN[9A`JB(5TLVU=)O_V,JU%I+;(**?<SKJGO&7'4
M`#(_AG;CSC=K,Y>]0'HPSR`HQ\Y)JY@+J6$(PK`NB&][$7,5HJTV9H/4+&6J
M;.Q+*`F7R+I5$&T0=-]UD'J`MRX*J"(+A'90`G$+1[S2L-2(.46#N&4+9:YM
MG<;1O4/[41D0]?I!OH2ML\PUA'Z\RC3IIL(;;A/S3HEC3;[DHU]>(+/^DQM`
M..I;5VUF?:(BXL=?<]/9NC&:SEDCA.T@2X[YI0K:,QMRRMF+5-K;3\6ENZ1.
ML4<RAH_7>M2`ER(0!O'%,J8V@$JO@?/FTRJ[>,6?VFBJC$^(TV[6:42T<`R4
MO:8H[!)X=?DNBVM?!#,@M/4YDTVEK8@.#SS:9X&KDWFJ&=Q?T2O:X7D[:@.8
M/C67:B,+3X8M1L^_0J/:.C+JDG#&W<Q@U?7RNA6E?L`XBT%F>HH8G\DD1FK?
M&P]^Q&.#&K82Y?(.DR!U5KI+<!K0\I"Q7-TW\M-%*7H=ZVVT74(1S_UY5%]T
M<Z9JMVL=2+?A'@Y319P+<:_,;(O&[+Y(N^Q)I(%2.(W;R<YM3K39%S<E@YP\
M,4"%T@X27;SOAY:Q-2`V*=*;Q:41EO\`8W;F-A+L.U66=2QPVPDDUU;.POP0
M:P`<V:10HF)MCMYP>4J*^OXR=Q+GR-,YVR!+4E3.LPQ$QS_IM]/B9L=&=&6S
M/+MTTC[U-3;4!AJ#39[JA8<G-HH"K`'2,HG=MC[!=^02![Q8A8U31\O5L?L9
M&7]-ZQ)K80>R[I"9F"9"KT]-S2X]\#?,_NQ?0.BY=))*+"/7\$420``S,+1R
M*MCO1-QB^73JR$XQSXR6'[%<]B5?\L']YQTV@II+4S6H+Y17339+>L-T/:.U
MWTV]XMUH-L<"43FM;9W:V=V1I"/XO.HBVLPHMJK*,5TI/^D%9>0IQ\5Z)2%9
AJ-K(=G:$J9NF^/OE=`:^7*.FZC?0+->GJG,7H!>@/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g90582g00m23.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g00m23.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0WZ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@`````````````!+````<$````&`&<`,``P
M`&T`,@`S`````0`````````````````````````!``````````````'!```!
M+``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"UT````!````<````$L`
M``%0``!B<```"T$`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!+`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P"H6^2@1HCO&B$X@)*:F7`#)\3^11I?6W<YQ@`"3JH=6RL?'JJ-KM7%
MQ#6@N<0![G;1^:U1P;*<C&LMJ<'L<-"/(\$%)3:JOHM)])V_;&Z`=)^CV1!=
M6W4S]Q\_+^2J_3Z]MU_]1GX':K%K(+O#:?R/24R-]1?(DB`![3VT\$[;JR0`
M'&>-/A_>AM:/^G'XHU=)W-CR_P"^)*9,O:=`UVOEY3XHK;N(8[70<?\`DD+'
M]*P!]3VV,F-S'!PD>D(W,)1V-`CRD_\`1L24R9>8W"L\$ZD*?KNB17R8^E_*
MV?NH;[:::PZUX:/HCN2?:=K6MESE*BRJ^EME3@]OB.QW.+FN!]S7-_=24N;[
M-/8T3'YQ/,_R1^ZA66W.9!#`#M)T)YDG\[]UJ)8`UC3X2?N:]!>X>_R_A6DI
M_]`;VZ+/S+"P:<J]DV^FR9A<MUWJMS7UU8[MI<"Y[X!,3M:&S]'\Y)3L8(_7
MFY7J%EHJVL:&@AP:_>YHW?G/W?\`6_YQ#J`;;FV;@XWN%C@!M`.UH<P-U^BY
M9'0.L?9F=2IRCZQR\4^@;!O(R*G>KC%CC[F>QV17['?X11ZIU=]'5<IW3X;@
MW%ME6.X2UK;&,N%;>',V;_S4E/18<>OD-X]C1_TBL^_J74W8CNJ4XU3NF2YH
ME_Z=S07,-NS=[?WOYM"KZO16YU[W;3D,8:F=W./NV;OH-V_OV>Q;6'TK*_8H
M_H]0LHLM98YS36UCG6/JLNO`+=K&>FRRS_K?J?X-)37HOKL+7M=+'D.8?$.+
M'-_ZI6+@+JC5(VOV!X,P6[JO4:=ONVN9]-<]7E_9-^/<-EV%-=M1,F:MC3J/
MS'.;[7JOB_6/+/4<6S*<&83+JG7T,;HZMKV.M8\G=8]KF-][4E/4;L?[<W)Q
MF-HK=46/K##7,/8:W%CFU_1]VSV?0>CFX;70>&G_`*@_^27-_6#K[S?C5=.C
M'..+C:YH$O-ESWT-N&W:_P!'"9B-_P"#3],ZS;ELM9>&MLK;])N@(+=D[?S=
MNQ)3T-EUE64RRLZD/KU9ZD?1=ZFW<SZ.W^VC=/(>+7]G/#08@$-#H=R?I2L'
MIGUBIMRKL_.8P]+PB7C%<T.=D./\U2]SI^F_9]!GZ/U/4L]6NI9#?K7UD=3O
MZDZQKGY3@Z^@C]$0T>G56RO_``;::OT5.QV_TTE/<Y6E7P8[_J8_BJEA(-I[
M2[_J0U/9F,OQJ[F2&74^HT'D![:W;7?YZ!D6&+?ZSQ_TJV)*?__1SNJ7,:QP
M+VCXN`_BN.ZHYC\AKFN#AZ<2#.LN\%;R&,VZ-'W+-N`&O@4E,:WECFV#\T@_
M<CX>#=U+J+,*AP%EI(:Y_`#1[>/Y+4V)@966RZS'8#5CM#KK'N;6QNX[*VNM
MM<ROU+7?S57\Y9_86]]3L;(;?GW.K9?CTMKKOC;<&NM]1M=GZ/?NH;ML;8]G
M^$]%)3C=<Z7U'I5M.-GM:TAA%>QP<"V?I?BA#J>7^ROV4'1C&TW.`)EQ(:&U
MG\WTF/;ZNS_2JY]:LVK)S*ZV-]U+(LM.[<]Q]Q+MZR!PDI0=MF.""W[U8=A9
M;<?[2ZBQM!_PI8X-U^C[R%7:PO,<Z$_?Q_TEZ%;D49WU<K:_?DX[*&>G4TB7
M[`VR^OV>[U*MC_\`BV5O]5)3P+GN>YUCS+G&7%2IN-3+G`PY]6P?%Q'_`'W>
MB6=,ZC7B-R[\=]>,7!AL</SB-S`]OTJ_4;_-;_YWW^G]!!?4!BMM'-CX`'@-
MW_5.24Q:YSJVTL!,$O(`F3'_`'Q@3$$Z-&XN,-C625O?4<FOJ[[06[ZJG.V6
M`Q`_G#N'T=JV^N4UY'4\"[976"][F4U-B2QMC]UG_"U.I;OVI*9^GZ%56-,^
MC4RJ?&/LU:C<9:[SL/XW,"G:?TOR9^+L=!<Z0T>-C?QO_P#,4E/_TN*M/L*R
M[3)^:T+W#85G\DGPU24B`!F1*Z7ZA]0?A=9NHK<6_M##OQ6GL'N;ZM+O[-E2
MYL:SKK*)C67T75V42;FF*X$G<98-H_>]_M24DZGENZAU#*S'$G[1:YX+B7&)
MADO/TO8M%KOJIET963>RWI]AJ#<7'QG>HUMK1[7/KR/TEK+=OZ5WK,_[XA-^
MJW7S4]_V)[!2TN++(:\[?I-95]-S]OO6(-3`[Z:Z)*9M+N9(GF/)=1C_`%CM
MPOJ:_I]1:V[-`Q6$!N]M'J9&1GOWM;ZGZSZV-B>F]VSTE+(_Q===JQ66X[J\
MNXSZF/7N#FG^2Y[6ML_UV>HL#J.#G=.S'X&;6:LC&]I83(&[],UP_DV,L]1)
M2!]MSJPQ]CG,K^@PDEK?ZH5G%RWXV-596`;07AA<)#9^D_\`K>Y5"/:9\R4F
MN)K:.S`8^9E)3T/U+H_:7UOPZ+['L^UFX6650UTFJU^[0>G]-OT',]-6/K?D
MXS\3I%N.^P9=]=V3<XO!V#U#ATUT&C;4UN_&R'^S^<6'TC-R<+.JR<5VR_99
M4Q_=OK5OQG/'\IK+=S5'J%A=D>E/Z/':*:AX-;[H_P`][TE.ETKK>7=EU8V4
M?6]5S6-M.CQ!8[W;1^D_FUK;I]+SMK_\^6N7(XN0[&R:LAO-5@?\@?=_T5T[
M;6[Z`#IZC"/A^G<DI__3\\NMY"#<X-:&-$.D!QYG_5RDZ-QX^:)C_P!,'CN=
M'[TP?YK_`(?_`+C?\(DIJO9LTM.QX_,&KAY/_-9_U:-@^H[*8ZF6&G]-OF2T
M5^_?IL^BJBU.A[OUW;$_9G<Q,2-W\Y[/2_TW^$_T:2F>1]9>JV,LJONN+H-?
MMNLV\_G-+W._Z:SQU'*;ZH:6M;>-KP&B([[-/T>[^2AY,^N^>9UX_P"^^U"2
M4[&1UBJVH-<_)O!U--EK@UL>>Y^[;*J9]K\FUV:P.%3RQAW/=800P-;OLLEW
MO]-WI_\`;?\`@U3;W^!6M3O_`&-D?2V;:YW;-GTK(_X;?_H/^O;TE.5O.LZJ
M3QM:W31PE04G?S3.>7<\=OHI*='ZO5].MZG5^TLC[-BU^]SOWB"&LJW@>QKG
M.][_`/1K0^L'3_JYC_:7X.?ZU^\/KJ#C8TR0+:G65LV>S=[;?4V6+&Z=_2/S
M?HGZ?T?[:/F;O2MXVS_@MNSD?3_/W?OI*:)+"#$+:HR1NH:2X;37[B-##'[G
M;OZSE@]UHMY;\N/@DI__V0`X0DE-!"$``````%4````!`0````\`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O
M`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`
M_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!
M`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#_\``$0@!+`'!`P$1``(1`0,1`?_=``0`.?_$`)<`
M```&`P$!`0````````````,$!08'"`()"@$`"P$!````````````````````
M`!```0,"!0($`P4$!@4("`0'`0(#!!$%`"$Q$@9!!U$B$PAA,A1Q@2,5"9&A
M0A:QT5)B,R3PP7(E%^&"DD-3-"8*\:+28W.31#;B5&15)\*4-9755A$!````
M`````````````````/_:``P#`0`"$0,1`#\`K'#A_3,)V)W5\NW;I0"AKJ:G
M`".-%*MJ\E9?8-?$:8``LFM,ZFM#_#7IG33`?+04BJJE0H<AJK^JHP&(2-H!
M`-!ED*;O'/3`8J;"P-`%`9T^W7P.>`274A"P-M<R304R!ZY'QP!=6S?IF0=H
MRR\*Y:4.`P3F0*`9;54RH3_J%,`<92,J`D=.N=-<J4/[<!42]1Q^>W<4!_WC
M)RUK^*L>'QP!=#*22DDIV#;E0U)U-/+EE@'!&9HE*:IV@``USRK4@_'`8OL@
MW.UJH0@_5Z`'+_+4J<L!,-B`#0!3O\B00=$UKTZ8!>+"5.#PS)!&0/AKIG^[
M`"?3I`K2HKG45S%1KX8#)I@).A`WY5TR)H1D*IJ<`9^G!42E.VM:'QSU.6F`
M-,-)3L2$!)J2"=*>.@UP"HAA-$T-*D5.61S!(.6`-I91E4&@-:4%3K]E/LP!
M]J.E5#D`*F@\*TT^_+`+[$="*$;1E0$ZY:U^W`."UH'JM#<=M1E0?O-<!&=\
M2!R:]*0,S.D)J<E9.*_B\,\`:CMCRT3J*;:5HHZD:>&`4Q&32I)&FTA--1U'
M_+@!!'"@D4V[=2,MWQTR.`S]%(\NP'(]`2*=5$C`&F6>@VD4T`TKKE]N`':8
MSKM)UJ:4/FS'0^&`/AK:D:TKF1T\0<M,`X(32"FH-`2`!2E"`:4H34&N`4D@
M$@`JT-2.M:$>/A@!6V@DDYZUS.I\WE%1TP!M"$_::$$4^(U/4X!30@`)&VNX
M9'6E/'*M!@%=MO:BM=1YJ:D"E1^_]V`.H-!5(IE0D9FG]GH`*:X`\DA:$*T`
M!`37,Z`*TZC`'0,@1_$*9YYTK^PTP!YA&X`4!/Q'W42,S4D_LP"RVVD^524Y
M5*@-`H:D>&9P`NU)2=RJ;1F>GQ(SSSZX#Q0!12J@:5(&1I3+^G`#(2`E*3YD
MZZYBNF=,\!F$9',))KKE]X^S`9#+;Y2.A-!5677X*I@`G5*235`4`=`:E/3/
M+(X`$BN8'F(`.7S%(I\,AG@"I;"ZI4E*3FI+:3N2-M0H[:`@9_OP!/>:UW$)
M2JFRN="#0@Y4I2FF=<`9;4D44*$;!Y4FJD[BD@D=*4S/4X#R[)"XBZG>E()W
M9>4A"J9YZX"N2[:U-2M3S(VE2R"`%?.HD*)*<ZC`(O\`+4;^TG_Y8_\`:P'_
MT(#+>W=N52JB0/Z!F1]V`*O-I`2$I373RC[J$UP'B&U(2Y7;YDT`2",P%:^)
M-<`&XU6I)V40H^5-`:4Z5S2:ZX!.<!4D#XBJOM_H&6`%`&WRTH!D#\IRZ4Z8
M!,E,FJ"37;5-=OB1G6IK@""AM(-#E4"@Z>/V98`"E*$G,Y`>-*FH'WX`5A10
ML%.=,Z?M^'QP%6+ZFM_O+:D[3^82#1.=0EU=1H-*X`%"`BJJ5&N0K_1X=<`I
M,9)345*@,DYT!SJ/L.`&=3MG6@@_,J4#34@"/^TC`3+Q]JJ-?X4+&T=?-45Z
M@X!R+:SRI7*H)R%*Z"F2?Z<!Z4;D%)I56AI4C7]FF`P`H=*5.=34`BNN0H,`
M(,B:'^+/X)%<S\,`::52F5,B5=?"N65,`H)4!MH"#2AH:TTSI08`ZD@$5\>G
MW].N`.M.`43M%$J)50CS'I7+48!8COI)HE5:?,2*_8#G@';:22ZFE"*)_P!J
ME#2@H<L!$=U->37DE1(,^0=O44=54ZG7`*L:GEVDIS&9R(US\<ZX!;'RH)"L
MQM'B2*:5T&`Q"AURZ`TR.M.N`SSU&1(Z=:?TX`VPE*:$T((K49_U98`V`FHI
MD#7H*`IRRS^.`&#FP`[MQ!(\V1^X=-,`NP7!L"@FHVT4!0`5STSRP!]*]H!`
MW*(&W<*!.5:]=/#`#M+WJ!40!0_9TUSU)P!U*]@-%`UIE_$!TIGK@#K;Z0DT
M(^\Z4^%1I@%1ITJ:"AIMU_JS.`S:6:E55',DBOB2<OAXX!8:=26@H)*=:Z9U
MS.8IEE@%)HA2->E3GT(T`Z4P!R.K80I(!(\IRJ,OXD_$X!<;45`$@"J0304S
M-,`:&_4@[:4H!X=?LP&'F5Y=J]HT\N1KH!GIE@#S;;J@*(76E!1)%!^_48#+
MTI`)'H*`%>BNA^P`8#!2%)J7"AD9YK51*1X"H%",`F29UO:JA=SM[9%?G?2@
MY9'J:G^C`([W*N(PFS]5RFQL&H2L/7!AO:I55!)W*R)2#]PP"#,[A<`@M+G2
M.7V1N*I(*GOKXWHT*DA!2LO)30DT'C7`-U_N[VQ)<9C\IBS)#1076HC\1]Q&
M\^4K2):2`JN7C@$.7W\[=6^:W`<<O3\]<A49MAB)%55Y*'%%G_OVX[6VU=.F
M``NO?.W.0)K<#B')W'1%FJCNNPD,1EKA+##@4ZE3VT!9H,M<!"_;WN9SSEW'
MH$]CB-DM:G+0)ZD7"ZR);JO0]!DA5+1$*5.J>W==HRSUP"!_Q;[F?_\`)\1_
M_P`G*_\`]9@/_]&"UL_*3EX"E*@4^VNN`*O!8S2-M2030G)6GA33`%GT%10`
MH'<*4\"=3UP!)27$[D;BG<!4$Y9UUTJ3@"RFMU,_`T(J"?'[\`(E2B5)31(`
M5F=*:4.@_JP!*0I0&WP-0HUSRZ>`RP!*E1Y@#KF,SUT\,`"A`*LR005&E*9:
M8`9E`!U^4U5T.50/'QP%4^4.I1RB]Y%.V=)24Z"OJJZUTR\,`FA\;=RDE(R`
M(-0:Z]!H1@%AIQ)`).2A2O7[ZD98`XZT/K;,I*B0'7^FNX-4SZ#+[\!-O'4A
M;2CF2$(^)ZZ'PP"\YN21M!(US'7P_8<`)M\HJ,ZYUS\:4%-<\`$MI>VB4T.8
MI3(@95/V8#`-N$!24JHD>:@)KXD:9DX`VE#B`A24Y'0@$9T_8,`?0TZDU],C
M<*_+G37Q%<`:2V^:A#9HG-1H:=<U&FN`'9#U:;,]U`!4UI49"@\<`<:6ZVI2
M0W515I0UJ*U'P.`=%DNC:'`%N-MFHJDN450`U.8P#%E+CR+S<Y#;[*DN39)2
MKU4D46X36H%""!@#J5QF:%<^$@)H252`C09U-#D,!\J^6--0[>[2T1XSFQ_2
M`17`8HY)Q@*<2KDEF6I!&\":SN1K3<DK\J0/C@"3_-.&["M'*K*X$)*G$M38
MZEA*:5((=T!\<`4B]R>%.-.R&>0PI;,9/^8>BNQWF6AT"E"2`D"AUP"E;NXW
M#IS*WXEW$AM`2IU;:6%!"5I4I!J)1%%)22/LP&+/<SA,]IYZ#<Y4MEAH/NNL
M1H[J4-+!*73MG$%)`R.6`'M/=WA<@M(9EW)Q4I#3C`1"CA3K;P):6@"X*JE0
MP"DON[PU,]RUK_.U38REH6TF"Q\[*DM.)`,XJR6H5J!@!!W8L<62(XLO)Y"S
M*D0Q2$VA"7X[A0ZC=Z[A`2M--*X#*;W?CP;Q%LSG"N0*>G(CN,/%\-LA,EM3
MK25`P54(0DU&>`4%=SIB8]V>C\(F.HLT"/<)+C]V+.YN3M"&T4LKOXH*LP3T
M.`%>[LWV#9&+PC@45QA<EJ,6W>2.-K2%QWWO5-..+'E]"A'B=?$%9/<3ECUF
M1=XG#[0DKB6^9Z4B\OF@N,8R4M*4FRBOI`4)H*^`P"79N[?/IMKF3!QKC454
M:]3[4EM;\F0VX8+[T<NA?TL>F_8#2F7C@'C&YGW(-[F69;?&&'H]CMMU,AJ!
M+?0'9Z&UKC;?JV:I9*B`JH)IH,!AQKEO="Y<O=X]+NG'VXGY5<;FR[%LDQ+R
M2Q<;;%C(4%7DI4%,3E$D4S2,`%RCD7=&US(C<?ED=+#W(K;9EM-6F8RX6WX-
MW?DJ"A?"/*[!0$C;H3@$7G]X[D6:7V_:MW/+NT>1<G>MLUALRPA<(,2'DTV7
M!--I;`-0H9X"3+C9.4/F`TGG/)XJ7;U+;>,:<\@KB-,32&1^+\N\().F6F`:
M-@L%\NG!&9MRY=RIR=-N#S3<@71P.^BH*=:*5*0I6Y*!3[\`V^'<5=FR+TW<
M[S>;FQ_/=X@Q?KYI?4S!C/W5#3&];9&P(0C(`#+3`&[#V_L<3FUV3]/Z[*.-
M,OJ;DAMU)?DN1G%NBK20%52<Z=3@$^[=L>,QK%;Y*;/`^JEWNPI4]]*TEVCM
M@O+[J-VRI27$"O\`LX!9Y#Q3C\/@UU=7:+>IQB=!25*B-5W-Q+C&!J1D:.'`
M&;3QR&SVQ[?6U$9D)E6[CZ"G8E`I^5ID'()/\2*_'`86FT,*[A<VD(0-K=[C
M6Y)"!M`9$Q)H>A)BX##FMN9E=QN/QE"J6+A?I>T`*S9;=:2:4R(#^N`6^1L-
ML<($D)H3;;K()ZJ^HN,7173-[`,WMW"1;.&6IS8G_P"T8)(R%%/LV]S(4'QP
M$3_4L_VQ^T?UX#__TH>**;DGXTJ-/A\!@`%,U/2ARRRUK4G(X`+T`D**0/*<
M\OMI_1@$EY'J*4%)`4D>56M3GKE48`@M"DH0JIHH'QJ!0:CH,`7;;42H)W54
M2#4>.O7/`>2(OE2A"@I5,R,^FM:US)P"8II5#GF*TI7.F1^[``I`.6I)-2<Z
M>%3X8`525`H4``%9DUT/PRP%2^:G9R6]CH)CQK6A/XBZD^%,`U$2=A5M52@\
M<R:U((KF*]<`*FZNI544(K1)).T4KD,^F`&7=Y<GT$LO_3.LK44KHI8%0!3:
M'&SHGQP$K6&U<N7$B24<PFM_4(J&FHKZ4MBB3L3_`+Q.X#=X#`0GSOE/=.U<
MDFVF!SB>Q'8>E-MGTIA6`VM*4^9-T0D@`^`P$76?FW>6;=KC;Y?<N\+;C)4X
ME3/UZ%5*RE(4%79S(@8"+)/<_O)'NCJG^YO)G([,MX*9,Z>VCT4*HE*@9ZP0
M*^%,!MA;X4F3R%MA%XO1BN-S:)3,W()0N-L60&]I`"C^W`$IW"D"`%"YW4NH
MN4QLJ,G/8VI(0E?DJ4CH,`S[EQ3Z9N.L7"YD)1;E.5E5.]3+^_/TQM!(SUP!
M?G/$&HEX[:LQID]O\PY`Z)H2^`E]E#9HVZD('J(\VAP"CR;A]O4X]':4^D+:
M<*=JD[@XRTL5J$?VE>&N`C.Z<3;;[+L39#LAZ;^36.DAPA4A3I2G>2M0W%2^
MOC@%GG'#[:QQSB[J&4I?E\ZLK&_8A*RTJ'=E*05TJ4**144SI\,`Y>1<$LYY
M)P%QN(RC;'Y+(E)::0#(V2K0A`>`1YDI#IVUZ8`%_@]G;[R1;:B#']-7"4R:
M*8;V`H=MX]0("151WYX!3C<,LSO=3FFR%%2F+#LR<F&PGY)1-*#KLP!GBEAM
MO\S<_D"%'2D^LL4;1EN+]*43I@%7BG&83-I84([24GC+SAHT$T*TQC3XUI@"
MO;^VLHX#RMQ"$_C.-H-$BE-SM1D,P,!(W"+6PW8.52?300R&F4F@*?PFY*:#
M+_7@$;C-J3'XI?7*4*>.6MN@U%6E@TRS&6`.<1M++M[LS:`#]-;;.T4E(-%"
M.NOV?+@#*K>B5W#Y(X-(]V=9/4`O2%**0>F;.`D)%M;D<G=82D$LSKW).514
M7-E%0.G^)@/KS;DR.YME1L%&&(`K\V[8PI%`-H":??@'`_!0W9>X;H%:FW6]
M)R-?2<EB@%/!O`$><14Q.%(8H!_OII(H!04CS49#+2N`?+5M]#C#;1J4F)9F
M``FF3-LD"H^'EP#-X[;0YQB+36;R.>\04ZE]]3M1^TYX"73!0GFO,E)&46V6
MB&,JD^B)*!T&8]/`%N%P$GN(ZZ45/\DAP$"E?J)EF=\#0C;@"W*(WU%SM6E5
M\_104R_!AWY!"==-^`0>?L"5SWM!;TBI8N\V8:#3TVVF:;:?^^SP$WW.,6ID
M5L@#TEW.6HC(9@I`_8Y@&MQN+MX=Q!C_`+=R(^=HIDY:W5F@).1)&`;'"XWD
M;<VT+O++]*5E0U,F16I`\7<`/`1NY)RMT#)KC]L:JKRBNY()!H?#]^`,<F9K
M;>.,)\I7?[8@*'_Z:R7AK+(9_P!&`;7=8B%PB^QAGZM]BMBF1.UV8*D=<`ZF
MHB6K3VRA4HH6VU+4!H/2L!!RH*4*L`C\2C?47+F%S%")/.[@&\J%0CS;\V*J
MSJ!M&`;UP_SW=L;B"F';>0/BA)VJ<DV]NHKT_%.`]YJ]Z7;Q\!1W-6-E.>0!
MD7"UDTSU-<`42P('";>@&A;XU:&M,Z"%$Z99^7`5:^I<_M*_Z7_)@/_3BHMI
MI4`F@%?)2BC7Q)KI@/'$HR2*A(&[.@)\<M!]F`(.+`!K6HT%,R<_CIEK@$M]
M"'$BJ1Y@:$=*YD_#[<`4D(#;.5=`*GP`RZ8!/!"=BMRMP`VT.HZDYC`#);"F
MRXX:FF].=59C0@^)'[L`C."F:0K)5*:'X?=@/2S6E-PH,B!X^&F66`,J9/H[
M:@'($GQ`-:YFE,!37N(C9R^^)W;2F:[4:FN]=`!EE@&<0**H36G\(K\I.AK6
ME3G@"+CI0144V@T\2/#[!3]^`-VX>HX@J-$UH<\O@0>F`M/Q%EQ=L@D)\J6J
M95J<D_-EH*?OP$"=P+8ISG<X42:R):LP:'\1%#2F@P$9\8M:?YFOZBD[3&4H
MFE:$/$CIIYC]N`KW>K<I^X3T-I&YWZQ033,@NM$4RSRP&Z'MVXF[PN*79*3_
M`)ZTK?HK.J740U$!?48`!]L.-,-#YG;Y,12M0JI)H30>'A@&_?X`+%W0O+Z1
MBW*K0',ID@#/04&`2^?QPKE_;1JE/3NLERE,P0A/3`?3E&3=730J(1=DF@J/
MPUM)I]HW8!G<WC(B=E[2RE!)>B65.0H*;!2J>NF`.]R&"+7V]CZ[^=V0T`ID
M(-VU'WX!T71KU><\=AYUC<?Y&X!3($W"QU('2E,!G)8W=_F*@I*>W+RS4ZA,
MBT`4\O\`>P!6P`.=P>Y3^VHWVP:Z43/ZTZ5P'O&&`+AS=>NZ*VK[:^KE2IS%
M<`N\=:2+/*3F/I^,-IK37<TFE-,J)P"+V\8"NW-Q)J/6G@5Z4HZ3]HP#ZX:G
M_P`#<M>!)#ESG-@C2C;KB0-,ZUP`-@BJ7Q'D(IF;=:F@0#_"V]7[C3`&^W<=
M+E_N#FJ89M+5/[)1'F!7V&J<!]Q5CZWD_.9%#ER%O.E2?Q)I!K\<`_N/L>OS
M2YUT#=Y72E2";M"KET!K@/EL%_NC'5KL(`'_`,-:DU%:Z]<`I/)_W%R<"I,W
ME_T]/`)=NJJ?$Y:=,`%W78+=IAQP,UWY)\/*$RD[:=?FP$I\@B?266$V4;?5
M<B)2$C/R6V9TR-/]>`9'%(Y%BX@FBO\`,W5+AJ-0XSZE:95P$FH25<A[ES*$
M;9<=CK0;'KB#0^`VZ8##AT>G.)JR?DX':1_SE_ER_P!OEP"=<&O7NO'`#FOF
MER>``S'IB<GQT_%P"%?HY>[S=NV-4QH]Q>\:GZBVI*TCH#NP$P\@-+G<B"1Z
M%CN3IRH$CZN"BH-<CY\`C6>-MM7!8R<J6J"\<M3^4(!\*)JK`,_B[0;M<-Y2
MB*SKF\,J;M[S=,ZZJ"\!E;V:7;G"D_P6VW-'X4=7E]VW`'KXR7&>&#)7J\CE
M*I2I`8AW9L&E3I7`,/OBVE%E>9%1Z]_:72E!D\_6@SKFO`/ZXM(;G<'8)VB-
M8D*\`-EIC(&76M=<L`B\#"5<:7*I0S.4WV94:J2;E=\R::J#N`8=G49'=3DK
MP!*8]DN*4@D>7U+A:1094I@,.>$'@MQ;2*E,2U1\M*KEP5D)&?\`V6`/\II%
MXY':S3MM5O:%*?P0V4D4KI5.`IUN/]D_O_JP'__482F!7<JBC2@SRIT)!&`)
MS`$H0D9)42?)I4@?;6F`27V_30<B203H`*4-#74X!"<`V>D%544DBISHK(;N
MNN`*ONEQ"6M@H%9*7E0C(BE#E@"ZV'%$!)2:5W4J:::Z4P`87M5_%6GEZ9@Z
MZ'+/`$':%=-N14:@]!]GA7`9I51(.>9R!R\?MK@#A3N%,R`*GK44(P%+^Y20
MGF]_(R_S3B@#J:K<J3\,`Q55(%?"JJ5)!-?LRP`+R$)25U"JGR@CJ*Z_;7`+
M_'XZ2Z7*"@2":BB=Q)SZB@P%L>*0`W;H2O-0H)VFHH#M-?"F`A3FL2O<*X-_
MP^M)%2FM/Q$T%,JBFN`CGC<(&^WLE-%+9DA.5`=KZ!E]E?NP$'-6I3W*(T=6
MKB9*35&ZB@ID@C,?-G^S`;/O;<^J[=J>V=R6A2%N6)32A0K\S3%O"B5>4TJK
M`+$.BI=D;4"0N_RZ@Z$@9"M*TS\,`9Y5'#;O,P!0-1+6K/Q49V8%!33`-'F3
M6_G?"6U'Y),AT$:#RHSJ>AK@$IBBYLIP_P!N_(K_`&B'XXSKK@$#N6@)[36!
M!I53-EK3,'\/H.E/OP![N4T@+[7M!1&_F-H72HZ0KA4Y?;@'2&1([QM,9D,\
M4O=`!4`*GV8D:Y'+`"2&Z]^WS0@,]O)B`/"LFTY`4T\N`1N)MASEW<9=547(
M@4^[ZX`_OP#AXY;T(G<Q*"OSVZ(55`"B5!TT^(P!SCL;_=W*DD@_3V2,D`IK
M0*:<^.6FF`(=O8@_X:D4)"[@HG(#)*7:T_;@'OQ"&#V\O%$$E^\7:@U_Z[IE
MX'`?<8B$\7Y*E*:;'+>VG*N242LOW8`?MA$_$Y7)\+FVCXT;1-2`#3+73`&.
MUT4.S^;.J`\UZ:<!(J`#]<:&H-*X!Y\0C[N87<D"I@7=>65`N[6]6654T.`^
MMD;U>Y*%TJ"Y-'PVM2$I!.66N>`]DL5@)9.0E\_4%4SJ"F\JK3*M,`9[O-DN
M6MCRT%Y5]]%N)%,OFH<!+O.&$M1+6VG+:M*CH-WIP9",Q\-^`8G'(H5:^`#,
MU1#>(IJ3":-1^W7`/""?45W)?S(/(7FDGK1$JZ`"M,R,`?XRV$<QOI%?P>&6
M)NA\"VQD/#Y,`D-H"^0\0:(R7>[U*4?&CJ$CI0_XN`2$H$COOQM.7^7M-R4*
M9D)-PM0!^!&`D7DZBB;R5>I18YJ`?]JX0<AKX8`U"82A/&&J)'H\;BK)&5-M
MOBH-,NE<!']K;].PV2@KZ@*Z_%SZ<G/+S&N`/0F4INO<19!\CS,8"F56Y$S^
M+_F8`[+;WJ[>(*:ARYW=[XFC,O(9=-^N`CCO?Y_3C%`(-T85D*;:N`C+J<\]
M,`\.5K]"]V<4JF/QUW7(C_)0@`-?_1@$/@:O_`?''#0?4+N$K/0^L^^Z#]OX
MF`COA:U/\XY\^=NYN"6DYD$[IL3K0Z[*X#WF04YQ&4A2A5VZ\?B@5IE]/*=4
MD^-#'_=@%CN$H-VT-#*C+:!G3)#`&E/@/V8"DWU']]/_`$O^7`?_U6'12@@&
MHI2A!J:G5.@R&``>94M*-J@"DY[LJU`R^)RP"=*94L+0"*)\I4!0C6AIXG/K
M@&ZI+:5Z5&AK3,@YE)^_``2"E393U`4=`#D->N8.`+-FI2JM24*!/V%/@?C@
M$M:R@'RG<O('J!XDT^.`(N.I!H349FM0,_CF:TP'B'PLTH-2<CJ,P0136N`5
M60"DFH%*4!.9^;)/V4P%,.\$V!;.6WR?<I<>#$0[53\MU+3*"M:S3<NB233X
M8"J"/<GVH=G*M[-\*UA2D>JI4)N.5)-!1T3EY*&AITP$N6>[P>008\RWN)6P
M^C>`%)4L`@5W!!HG]^F`?]@24N@=%)2`K^'+=6I^%<!;CB7FMT,;2H[%`5\Y
MT2*@Y4!P$1\P:V]P)BCD3*?!\M005Y:D>&`CZRQ"Q<[LNJ%5%Q2-PH#M?8KG
MU3G]V`B=F!Z7.[4VHT#DUT`TZ*"3H<CIXX#8+[4X_I]C>W1)^1N](3E_`@6L
M)'[,`L^F&9G'W,R!R.7H:'))R.1RP"IS%&U_N(<JHBV6A\-YNAR_L_+\:X!K
M\GC)5W"X:":[1-.0J"4!@`CX4.`;L9I*?S%ZE:7*_MCX'ZANN?A5.`;O=-.W
MM9QRFIBV55-*G8G.GWZX!2[D-_[W[7M[D_\`W);'``=#])*S.66N`=5I5N[_
M`,]JIHWQ"[DDZ55-M-<ON^&`%2?5[Z7-65$\`EI\*4DVL4.NF`3>$-)<Y'S]
M2AGZ\"BOB1-R^P@8!Z\7AUN?,$TV_P"[8&H-#5+U>F8-,`>X[%/Y?W".0#=M
MMS8-,A^#,KX4&6`(=N89_P"&""H__720:)J:H2O+45P#RX-$)[=!1^9ZXW-P
M94'F<2?NUP'O%(H_EKEQ*3M3<XR0?^;,R&6>0P'O;:*E%LY6^1DN^RT@=/PE
M2$B@^%<`8[5QDI1S==-+I$``&7R3S6IK4"F`=G"V!_-EX57=MX_(<``VT"Y]
MO.8\V`]L35>X#*J&BD79SQ%4S8P/W55@"CU5/V-C;_C<[6K,=`S=OW>;7`#=
MUD^K=+2WD0;XE`RH02I\^)R\OWX"6.XRBV(H-*,MNG+,"C*TYC*ASSP#7XNT
M#"X&%4JFS6YPY4S-OB&ISJ*5P`]E?]6T\Y<RH[S*XH%"/E3.N02-W7+X=,`X
M^/+_`/%_,\Q5JPV>.33^)`<!`-:ZHTP"5";6YS#A;("UCZ:]2*I&[,2K6D'_
M`&2',`BV5!=[^QPH%)CV*Z$C;EY+M:$>.6N`>7,EA".2N;OG@N-`'7\2:PK7
MJ*(P#J*/2E1$4J8W%A4E/4-0D99Z8"/X#5+1Q9HDU6W&!RR_$994<JZ@I_9@
M#D5NDGN6]I7D$AH?8B9<QE^S[L`?<:)E=MD'.B;F^13^W')_9^)K@(E[O*#U
MX::.0_.(J,S_`!%*UD4I_=.`</<62&;RZY3*/9WD%.@/X,1`IE2N6`0N(/AK
M@'#$C5=A8D*)-,WX\=T@:9U7@(V[>/\`J\@[COT.2XS0`.FZ22<Z:U;P"KRA
M25\:MZ#57U/,+8VD[NC-NOI`I3,43]V`/]SG4MQ7R-6XSIITR+*33XG=@*#?
M6(\3_P!+`?_69Z$43D0?'=H:`:^(P&);\JJFM=U:9TH!F/VX!#E(510%0DJ%
M2#X5%=,`WWV@D^-*T&IKTIE\,`E2MQ&HUKE4@U)IG@"*G@RD[`?,*'=T4`<Q
M_=P"%*EI&9IU!I\?#/`(LF8FE2JA`52H\VJ?BFM*8`.+-23M43H14]*GXG,8
M!([A]S^/=J^$W?G/)"I=ML[3=(K;S33TZ0[O+,5E3U$!Q:&U$9*/E.6`YZ>X
M'-.YGNCYS<KM-3,'U<AR1;^.VU4N9!M;2U$)0TVH_P`*$@%82G=0>48!C<H]
MNG=7C4+U'N+WQQ+Y.V0Q;9NU*``:N$LC8#N'4X!JV"_\_P"WBX=S87.M=T@/
MJ92XI4ICU4IJ%(D`%#CC0*1E48#<]V#[EPN[7$(?)8C!A2SLC7:#ZB7!%GHW
MASTBD)*F'%H7L*@DD)P%_P#BJ_3MD58!^4C(YUI6M?#+`17RT;N:O#:"KZY1
MR.N[<?#^&F`;#$'Z5Z&_0);DHO3CRJ9)H[;BE(-!4?B'`19<XQ9YCQN1_#^;
M`.4U2I;2R`/[IH?V8"_WMEAAKL=V[2!4?3W8U)H*J%J(.A!!\<`-)2&Q8G2B
MH1RJ8D]*C:O+0^&`5>:(_P`UW3RKZ<"P*TR3N5>*4'PI@$7D,=*^X_$!M"0A
MB<Y2E10_35%,L`S/3";??7*9-\@OK0/R@5D>.8`\N`;/=5*?^&7'4T^6WV96
M5!HEL9Y=<`=[CG_Q#VR&V@%[MB_`$_2R=<L\`LV5X#W%WQ-?DXA<P-OR_P#?
M+9J/@1@#T!P+[U7M>VA_D6;N(Z5DVW,'H,!EP!`7R'GE`31^UBFVO\$[,D'(
M98"1N*L5O',*Y`6ZV)(US4B030Y9>7`*/'6/]S]S71HF/;D4`S_PIWV9BF`+
M]L8U>US:S2GU<ZF5<PA6FF`5K'>+-QKM`SR'D-QB6:RVYN;+N%RFO-QHD9D>
MFHK>==*$(*NE30^.`H(?U,/;C8/YDXS`C<RY-(N-W0J-<;1!M2K88[*I*"\T
M^FZOEYM7J@B@`(P%J?;MWL[;=T.+W@\6Y!&7<Y5WN$[\AEO1&KRU&=<66W%P
MF94A8318J=*X"9NVJ4)B\Y4"?+=X*!3QV7"I&>>`<G$CLY5?Z;CLXNE5=`"N
M5`)H,\\L!YQVAYJP222(MZ5IX3H(J#4^.`2-P=N_%F@#4\M=<(!T`:G`J`IF
M//\`OP`W<8^K?K,WN/FY*R@`FF6V8=,_#`2#W:F)::=5GN9BO[J95.Y"<S77
M/`$+`LM,</32A1QJUE6W(#_=T2GWFGV8!,XK(W\6Y$[3_'YQ=%4K6O\`G+@H
M],R:X"NO=OW*73M]SWEO$>WG&XW+.6W@QX;\R7,6U:./M1')C+BY#,:),>E2
MTR5H3Z94QD%>;+`59Y'Q#OAW`N*+YR'N!R&/(99<2U`L_P"8VZV0`^I+CK$5
MAV?,4&ZH`&::I2,L`R;!S/OI[=^40^9\=NLGF49E3MOGV7D:KC(CO1%O-2GH
MZ76GR(SRUPDA+A;6``?(:Y!LUX5WBLW>G@;O*K;">LUPD_EK-\X]*D-R95HG
MOH]>0P'4-L*>B)D)6AMQ3316$5*16@"T-V)8GSCMIZ'&G4T!Z^K"3EEY1E@&
M=#8*FN$-D9N,VXE(%2!]`A5*]4_=@`K>-T;N(]3-?+[FD)^`FW70ZFE<`N/-
M[+OVX;-0!:IKN0Z_1Q*'X`[\!!?<I0?Y1&94!N<Y-'0*&H.V'/61XFFS`#]V
MY0:E7YP*KZ5N4DBN0J_`;TZZ_#`%;0LQ^"\-2"GR<2LYS-#Y[;`)Z9:Y8"*^
MV#Q^K[DO5!W75+0IF/),F@JKUH4X!>Y$Z7+?P>+6IF<Q<<()^81[;?Q4#K0J
M^.`#[P22U;[HL5W)BE-?_B28=,ZZ[<!1_P#+W_#]Q_JP'__7;(1N30>/S$9Z
M??\`TX`!P"F6FT#7X'K3`)+BW`A:\E+3_9!H%9FA'0"F`0G6BX"7#4@*I0>`
MT%:G`(4AO+:%;?[1`IM!UKG@&M,6#ENT"J&OVYC`-&=+2V-M032N9U.?7^]@
M&T]<`M805A-2JGFR(ZBOPP'C$TE?D6=VE=V5,\LO`C[\!3WWNSITSA7"+*TE
M!B7"]71V27%*"`J"Q`2SN2$E*B!*7KI@,?9#Q:V2(UQCQVX7YO<$05W"8&D(
M6AMM<[TVPD%2PV2Z=5=,!N^XIPSA8M#$>4ZPV]Z*6E,O,Q]CQI4[:K&ZM,\L
M!KV]W_8?@]RL+XC6^`XM$N1Y4PH^:5A%=B@E5*[?#`:D?9Q+;XYW1Y3Q2W3%
M/VZ9;T"5&<H@MR;7)?0Q(;0A:DJRFN;J@$5&>`W8\9<'Y?#!ZI4=:U^2E?NP
M$><L0!SUQ%33ZH**CTKOK\,`FIBEYAA&2@N+?-H5D05/VPGQK6F`AJ^[69G'
M9BR2M-VB!0K0@F/(\Q)K33`;#_;W'^F[*=NVB*T@7,UTJ5IM1\HID13/`)]T
M2$P+0Y3Y>7SP0:4T53]F`5^:)`G]X$Y4;MW'"`*9@JO67V"F`(W]FO<KB2CT
M@7$TU-"J'TH,!'BMHL7*UT*2WRB\)4:5!W2':=!K3`-#NNL#MQ8$@_+:[/E7
M,T#5:_#/`9=R'O\`?_;E=5`HO-L-*C+_`"S^5,`>L,G=[AN25)H.'W&H&69E
MVX@#44UP"G87$N=WK\H[B1PF4*Y#;ND0"*UK73X8!<[<D_G7/5`ZO6@D_$MS
M]/A7`2=Q4?[TYL=M4"!9]J:?^[E5S&F`4.-E/\L=T'4^7:J`VI*LAN#5PH:_
M#/`!]KMO_"AHIKE*N9KE0^6F5*X#6ES]J[^['FO'NQ\&:[![6]KU)'+$QU.2
M#R3EL@H;$-;25"&TS;1&D)\X=7^)H,\!;NV_IT=G+9:8].)1G7@P&U*5;8(J
M-H!"?\B2D?MK@*;^Z#VHV[MWQ=5X[?(=XU?^+E-SL\VW1D1Y#+D8$J;#L9##
M@;7ENVE-:8"WWL/[N7#N]V+O')K]Z7\S0[S!M7(%-.+6B5-89GI,ZCJEO)5*
M4A:J*4HCQ.N`MGQ9YM/)>2*!34<9BI`J"5%;T961J#_#I@/>-+'\WM.((52V
M7I5:BM#/MM:&F1SP"-!<*N3\6;21N%]ENFN=0/4'PS\^`RYZZ'.5<=10%*^6
M-5-:FOI7$^7`.+O5-+4"Y+4K1MP)(5F"7D`#]G3QP"I#>#;5AVY^CQZW)5]J
M+>R-/[.6`AZZ\I7Q?L1RKD39HXQ>+O(854IHXM4LI)(5GDLZ'`1[[4N$0;I!
M8Y1=74R;MR/T;H](=0E1!G^G./G7N6JJWB2:X#8'=N(65^`['#[1<#9V#TFZ
M;MJ@K11)`/7`4QY'Q*V.7:3:U1FY!$HDI#:%;]JG6S0;55`W8"'[C;I'`.Y'
M&W[8RKZ.7/:M]P;B(+(E6MZ0AYQ+B$>5STGX[.9.W/33`;+.5J#4OD!J3Z=F
M=:J,LA)C"NNAI@$R)'!G\(:"LA#MZZC,4_+TZ:9YX!%MF5DYFX#D]S*Z!*B*
MT"9ERIG7.H5@'-*;_P#$W!4#:0WQR2[5`\8MM3I7_P!Y@*]\P"7N=V9%31SE
MCW@5?A6Z[C,5%17`)7>Q\-IY6K=DF,A`H>JKE;4U&8J<`9<)C<3XPU4`M\5L
MS9)'5%M@"E*C,T.`AKM7(W1NX#Y`\_)IC8-<B&KE=49"N=-N`<]V?WWKM7"!
MR<N=]F'/-7I19B:4Z$&1K\,`C]\9H39KP0HT*H;="<QZDB.KQ&FW`0=^2?[7
M_P`O_P#%@/_0;24E`TKN-3EI_=^ZN`#D;U)`'ER&\`D=#0TID=<`DOHHE0W*
MI\,B/FJ>NX4'PP"'*"@O^,E)-=W4`ZD8!ORZ)"\]4J/B32H_8*X!BSW1J.A5
M6N53D*#Q!P$:WR>&]ZLO(E8J%BI'[-,L!&#]\VK(2I`-5:G494\M<L`-`O.\
MU52G^U_1I@*Z^[FP\MYGQSA%LX/99'(.0*N-W<:AQ6GWBB,EJV!UU2([3[JA
MO*1I3XX"7?:KV@YMPWM##N,&S+D<TN<MY^\,Q1(C32^5*7&B?4IBO/H1%+KH
M45(5F10#/`7.]NEP[W6#EGI]W9]Y<LEY1Z,/CM^%PEBT%M:UAQF7.=CMOH]-
MT))$=K08"L7N.[T=V^8\C>>LMH_+NW,>3=[5.APK3.NKC,F`Y":1)F/-S8$5
MA<CSEI)0HD!>>68:Z?:MP=^W=W.[-XGMJ;D<?FQ[;'1M(*OS.9=U+6HJ0"`D
M6P4IXG`;@^)+)@149G8%BFFNW(^)%,`S^2H4>>+54J5]0VDBM1Y@[FDT%1Y<
M!DM'T[=JIGNM]P=&75:K>2``?C@($YYMC1()%%?3W!@E=>J6GA4ZTI7QZX#9
M#V.24=H.`)K1/Y;**?+\I4W;B3\PI6F`;M_5LL5N<"ODY;<#N_Z77PP!OG<Z
M-$G=\'Y+J&8\:U<66X^Z4H2`5WX>91-!D,!K;[\_J<=I."<^M[O!^-W/N7*L
MT:7$>?8O$&RV9;DA3)"F;E&B<B4Z&RR:CTDZX"O5C_5#B3HUYMEV[0F-&O5U
MD7+ZB#S-,B1$$EU:RREA?%&!(VA=*[T;B-!@+G-=[^!]Z.UEON7#+D5NVNWV
MR'>K+-7'1=[1*26DTEQ6)$@MMK4A6U2MI5M.0P$F]QY7_B+@"=Q52ZVPE1/A
M&?H0,\`=XO*#G?\`Y4XM=!_*4X`@ZCZJ`<J^.`<7%E[^ZG)%5-!PQX5&G^-"
MI]N`<W;8G\VYVJH`4]9Z?WOPY]`,_#`2;QA6VX<[(^9,2S`$FO\`U<O33`"6
M!^G#>Z:^GU<1!/\`>2W<LAGX8`MP"8(?8]V8`I?HHO3R4@4*E!HA(!SZG`4M
M]B$U$)N[.N6:XW"^WCE-[N$MJT1/K7D*,L*=E'-IU;;:G:%1I7<-,!NSB3XS
MT%J<B]L,(VA,ABY-".]%64_X+[7U;FQRH.1/3`4I]S%UMDRTW:(ZU(>68CB&
MY3D1#4"0EYM8`BNEYTN'+(4TP&LO].^[3N.\N[\<)82HV)N[M25K(4E#%UB/
MW!EF.@)/I@['W*Y!66`VG\5F`WSE2ZDA-CMX.>=2I.21U2*8!5XC(!Y&E8U%
MFNRR`K0+GVP@`_?@$RS.I>YMQP9T3(N3BA7P>83ET_CP`'*W$O<VXJP#4CE+
M:B":Y!F?IXYX`[WTE!%KN!`^:26TC=D=T@D#[@G`.]YPL!BE!Z-F;10]-D5*
M3M/2E,!!%\LJN4^WBZV5M[T%W87!;3I&\)=$=;R"145"A45^.`J%[6O<+WBX
MA<K'QB_=O;<.,R&8]FA7%;T^.EB1'$=J.%2'(!96\8K*R4@)^4GI@+/=Y/==
M[A.*N&/Q;MMP.ZV:!R$6248=UNETNT^/2>$34L,V:,W%8<;A5*RIT(4M(H:U
MP!F[<NG3(S'*9EMD66<Y$1.-O<=4Z&'GFTO/-MR%,QE.H86YM"O305#.@TP"
M)QODEQ[DW.WI9M,93,&0W&$N6XM4YIYZ2PX\Y`'H+"V-T;^TDZ8#8=S)0'\R
MKKG^7E!Z$I^J:^WPSP!N*S_O[B*,JHM;"@-M0-D1D?#^U@&I:<^(7QPUJ]RZ
MYG(YT5)FG=3/RYX!WRT4YOQ9"<O0X@X2#IG'LH!T%,E8"NEW27NY=@;(UY#=
METH<RW'N*:`>'FP#-[[.%N/RXG,J>BLC:22"JZ0E9G*F2,`LW]);M%H:RHU9
MK:BF?E#=M8!RS_LX"$.T_P#]N\MDC_ZCE5W(2K7RWB[TIXY8!P2=SW<3M7'(
MJ6[5R&64YY$MV])I_P#/UP#9[]R*6RX(`H'+Q:6AXG<''#7_`.7@#_Y(?!'_
M`$#_`%X#_]%*4DK-:?*--0?`CQP`;U-P.2OCT_V>N1_?@$M]L%6U.61Z4H23
MJ`-!@$"X)IE4>:M".M*]/M.`9UP"DH6JFB%'[?\`E%,!'ET="4+4DD`!1-,J
MTKIX5P$!<HE$J4!1(_$*OXJ>&661K@(=E/J#F1-*^-:U_P#1@%>UR*+2@G)0
MI\W7[?A7`2W9NXO&.US:>=<PE2(''[(V1.N<;T52+:U)*2J6@/O1FBE)8`(+
MJ-=<!9;VZ<EMS5MDW./(CW_BBI<AUFX1E(^GE6Y3JS"F,$+D,%$A%2**(IH3
M@)C[G\PCRU6-7&8K[EOBS9$F9&8E!J<MK8TEL)D,L.H2*J/E+9^W+`5][3W.
M#-MO<EJ4Q+LSK%Y-RAVN=*2Z[.8DRKE5J:@L1BIU@!.>TBJSD,!1WB:HDN??
MKXU%:B2K]<G9$WT@E/JK9=D*:*ET!6&_J5TK7YL!;3AQ)@PZDT6'*]14;?LU
MK@&SRH-IYLXXA7_U4:I"@?F3)).@J,L!Y=%J-GLCI.Q)LTL;AT/^[?$]<!7W
MN"X?Y>]=LI2I*D+JG^(!!T_;@-DO9F04=HN`HW`;+8X00?%J%4=-<`U^220>
M*QW*YHY3<B0,P,S6IKH<!HK_`%/O<]=.6=[^7]G>*27HW%^/W8P>1/0Y:ZWV
M]6HO1`V^TRH,JBP7%O[$KWJ_%Z9U"L_#/8S[A>Y'!(G/>'\==?LKKS<9F.8M
MT,U_U@5)E-,,0G&UQ4A&:MV51@'%W0]A_?KLMQ)?+>5VN%<+?%2A4O\`*6[D
MY*A;T+4I<A#T%"$MHVT*BH4-/'`5NX-W"N7!>26GD5FDNQUQI#2)C+;RVDR8
M?K,N2(4@-J3N8<]($@Y52/#`=#4OG-H[DQ^T7-;`:6WD+MCN++1<;><C%^"\
MZN(\MNB"Y'WA*LA0]!@'[Q=\_P#'3ERQE3BDM)^PR8=?L%1@''P^>D=Q^4.`
MCR<14DFN1J]&I7,YD#`/7MG*#D[G%``%RK(:UZ!JX_OSP$E<?D;9G/5'0,VA
M(('@W-RKI@`./OI/!.Y[G]NZ(0"3K1-P&AP`_`%-*[%-)>&YIUNX[M/E*4U2
M":BIP$;>USMSPSG4'DW%;DN1:&VKG(FK1'2Q'$F!,=<=+;V]*AZ7X::&A&`G
M&\W*R<6M?)K9QE#B^%V2^VBROEZ0V[,=?A-W)@+:4RTW'V!*5%((RP"7W.X;
MPRR\&N'.(-YO$V'=&!<$6J9+8EPW)RVW"%T2VTEA:?6.5%G/7`5K[!6F!$XG
M<K_%@1(#CEQEF6ME`2_.G7)POO.2E)0@K6RI@@$U)WG3`6`XI<:W#F#G3\KM
M:2-VAHZ:=:@TP#CX=.'YIZI4`D6&X:=-TNV&FOPSP"+Q*Y!_FMNUHTW<U`I.
M5/JX@3]E0<`-<9PE=Q.+-@YCD*U$%51DB4*C[*X#'OM.'T26M]?5OC#/S5*J
MF4HD#K79@)(NTI*53A4@-VQX9&E-J``G4TP$;6-Q2>T/'UI0MUQQGUTMC595
M;@K:D@'-6[P.`KC<N<6V5*[?V=^Q72)%LUM;O,J3;HZ)\Z1=6HD2(EJ3$)AA
MF(H3'5>H7%DJ`RSP%D.T7<.-`A+9O]FG)@^FE##J7`Q<W8[P2M`5%<96E]M"
M&A7\1(J1I@(@[X\P9G1W_HXRXL`BX*A*4H;E1TR&D[%)2D)"TMJ36AID<`_.
MS',+/RZ5P.'Q:<S,LMD>XW:;H_'BMML-WN-:'V'K:7F9DAMZ6PJ.\)(4$*#B
M!Y?`+M\W<!9Y4L`5+:44\`95:`5TRP#B:3MY-8T$T]&PK-2:)HAN&D:]<`P[
M2E*>#A8S]?D\]2O'S.2%>7]N`?4H5[@1$[:!GAB`"<R"6+$,M*$TP%=&4AWN
M?QVA*MMPY`LY>8E(?2%4KG7=^_`1MWT65-\@10GUKY;V?M'U)<_:/3P#LY<D
M)`1F$MQ&T4.E40Z::5%,!"G:UH(X!->%`9'(KNZ21J#=;HH9]116`6F&@ONS
MP-LYB/PR\/).H"G?Y>H4CI4*.`C;OPX2N*P#N,CE<!NE>B(\]5!\?)^[`6-_
M*VO[`_8<!__2*H&2LB`3E09C730"M<!\^R5T%,M0JE"D'7X$9?#`)3S)T!"J
M$YD4T&?CXX!NS6O3*MQ*2KY0.M-U3F1D"K[L`RKJ20I*0,PH?8#7H-$C`0_?
M'5-(4G=KN!2/F-`:&N653I3`07R-=2JE1L"R"#6M?A@(HE@J=(UHK^SEURUS
MP!N#DY4$>4)H1]X--:G`2$M^Q-6&YR.3_0?RZW$"[H+EZ2H'T^ZGX_K%+11N
MIKE@'EV%Y7<>UD9_C=RMA8LMP2RW;Q(2J.BWOPR\3`6TH>FVI29.0!KY#E@+
M(,V*UQ5R>6\5=N"%7="%7"T1)*%0$;M[B9#<5EE!0X5+551)UP%6N0<LM?:^
M\W2X7F^7'E'(KT75V>U_5H6J$MIP+6R0XMUWTG$R4@A*138-<!"_'BMIJCZD
MI=6M<AY#8HA+KYW.(221N2@CP&`M%P^4H6^(C8=RDD`@$^%"H^`P#4Y$\M/.
M'$D@A,J&*BNXU1*J0*Z8!=NX1_*W&*U2MRP3R2!IE:,OA6OW8"K_`#F6'.&/
MD)JM*$[@0%;0@$5)J"`K=@-C7:6<4]I>`;<B;6:5-0?P89R^S`-J]SZ<19<)
M`4GDUS5YLZ`JT(J#3^C`<T;?$Y?,_>-?[1=F7I?K=PN0?G(6T7E[?K7O44XE
M>ZJ?4ZJP'7KV6Y1PIQBU\6MW)..B[,LCZ&PQWF'9"VF0E)0AE,A"TAL$:((P
M"1WV[I]NG6;WPM^<[<>11X[L:;;8UOBKB--J2IMP.J-R6[2HH06QG@.2/W>=
MG7>V'<&1?[0P$<3YH_-N-JC(9+/T:PZA;T,!"`P0UZZ0G;T&F`MY[&>82+SV
M[L5EE%:D\9[@0VV`M964-7&/<UE`23Y`DQ`!TP&P[C=U".\W-G0*A/&WTTK5
M0K(CDY=%>7`'N'W<+YCRU\UW'CB$?-3;N6V:BG3RX!]=J[I5WF*P2=TRU`'=
M31N?E\1G@)EX].*E\_6$@%0M"<CXMSB/MI3`%++.4CMOW&<T*[ZMO+(^43\_
MC@%?@\X([`17*$?Y26JH54DT:KG0:G`-?BO%GY?&+Y:8U_>XG=^5<,M%PM'(
M8K97)8*HJUO,,H$F$XK:IU(*DN^7PP%6[-[4G9O%KQ<+YW4YB[RI^:J8IA#1
MD,2W(I>#<I,URXMOL[UN_+Z3FT'YC@)_X_Q"\\7[(7-?.>7R^32Y,;ZF-%DI
M<";4&4EM,?ZB3,DF2MPOC:0VS4(.7@"1VE<>MW;*?'?JF0>0*4X*$!*@).Y)
MJ010G`/SC%R4$\R<!R5#M:!0G4(DDTURRP#HX7<5?C.996.7H<P5/P#F1X4P
M"!VZNA7RS>5_X4:X`9]%3(F0SRI3`'XER+W<WC@)"DIN<M0`.9*72F@S/]K`
M>]\+@%OV-HJ'XW+X;5!H*Q[FH@9^*<!)W(YJTM7]84/P[?+&1.@6`>IH#@"/
M!"E_MYVZCN#ROP8"E4.1#EG:\>@WUZX"F7)N&L<Y[FMM1G[O9)O!;M>K$J99
MGOIGKA`:N*8T-UU0;*C&*+?N4FM-Q30Y9A-$7MCQRPR$7ZZ7NYW&<TXG\M$Z
M2U(>3-W!6UMQ:$J0=H5D*FE<`5YWQ?F'??GD'M[V^L+]RN5KA>E.,-E^2VS)
M6XS%GR9OTK+BH[`E4J2"0<CF:X![>WZ\<!MW(XW9?BU_<NO+.T'=2Y<8[DPI
M$6-!>A<IMCEZLMXD0XK-PG/N6J1=K7(])YT-+6C:2@$D`+L\T?JQR/YAZDIA
ME-.M7WE#[11&8P#YKMY8W7/Z;C<@T"<@I*X*2<!'UK41P.R@$'U[TZX*5).]
M"U5_8KXX!XS'O_XC7&E:Q^(Q@.N?HV5)`'\.F>`KQ9%>MW5L5*$H9Y(^KX5D
M1DDC7JY@(M[T.*>F.,5*?J>8P6R1G\K-R<I\:%K`/3G:REV8K:!Z;#R0H5_A
M9(&5/FR\=,!$';,C_A5;%E5!(GS'R=!^),F+'4U)WYX!>MB*]WK.`BHC]OG5
M)--/4_E?P&1.`A+O/(,GDO&HH.<CF2\LSDQ$NAR3^S`70V_[7_1_Y<!__],-
MK^(Y4VY`Y4_<17`9NNY`)!_9]V5#E3`(BWTH"SH0#D0-=:#//`-2Z2D[$N4!
M4:D"M334#Q(5@(XNMQ3L6$ZG?U^'@-1^S`0MR*35RH(*2E0-33,:>(ZX"%;R
M^MTD-I4HK"J4K7/2@SRP%>.<=W>W7`RM').3V^/+25[K='DQ7+@"BE0(STB.
MH?/XX"L'(_?5Q^WK+?#N&3KP17_/WBY-6UDB@V[8;$&Y>H"2:GUA2@P%;^Y_
MN9[C]V($&#=3"M5FA253F[):3+;BR7R@(:5/WO%N4J.@JV'TT[=ZO'`=Z/&O
M9QQ7WJ^WKMS[A^U,B$+SW.X)8.4WWB<B.P]!NLRYV^/,<>M\V&EUQFZQWGU^
ML%,/%SU0=R=OF#3EW?[;]W.P"Y\"UW2196;=->CR[?>X\UEV$^THCT5Q42(X
M"ZE0"24DT/A@*V^Y[V[=P.P7MWD^Z/GLUR;W*O$VURXW#I<&5;OR;C\F-.DS
MFY;LI^1+9DS5N1=J0V$H]%0)5E0*B]L/<SVJYVZU'C7U/'[FI*";??Y$**2I
M6ZK3#Z915)VE.9])&1K3`;$^(.H_+H#J35EQ*BAP&K2\D^9"P*$4/W5P#*Y7
M-2.>$4S]>)6BJ'Y)&?V&N`=EUDMN<<X4TM027./2JD:^9NT'+/,8"H/,9P5Q
M&X-A7R)`<HJHHFH%=*C7`;`^UEW`[2]O]F5;4DY_+0L1*$9Z8!K<ENU.W\E:
M2/)?KFO:%5)HX`/'QP&LZ!P%BP?J4]P[7+/IP+VY>N4Q$IHVF7;[Y<FY26DU
M1L68X*=`1YL!N4XO[9^`]FK7%YY8[KR!Z_WNY0X2[UR*Z15--(=8ENGZ%IN`
MVZTRDMBI]95,LL`[K/V;[2=ZF+I/Y7QRP<IY38)\_P!.XRQ!<=6(KE$RX+S\
M*:^\M>VI^6E1G@-<ON.[9<+YMSJPVZ]0%#C_``A%PO+++#<<*=^C9V?3NJ<:
M6TVRM:T[B`<P,L!KN]H-Y7)Y-S6XB.B+#N_<6S7-IAE1]*.7F.0+2PVK:E)"
M`Y09#3`7^L%V'_%3G3P"A2S*21NS`4Z@D5RR\N`-\+N@-\YDZ*U%G9&9T45&
MOV)%,!(':>[T:Y0LY%5QMH)J*':W.K0U&M<!.7'[HA+'.70?,IRVY!68(1-Z
M]!G@/;).6YVLYPZ*D+Y'+W4S"0GZWYO`9X!AS._W:;MO[?H,;EO/>.VZZN6R
M0XS8C=(2;U(5M95Z3$!Z0PMQ2M-<L`_/TZ&'/U+6.Z]FLU[5VMF]KFN&V3MA
M)E+_`#;UUNPKVF6]?&6W;2IAF\+@,J6EE9])20"7,B`L/S'M![A^T5X=[1\V
M[5&;RZ7+$:W7>W(NCJ+VL%:&IMA5(LS;\F.X5;J"OE4,\!9WB'Z=/+N.]MKQ
MW:]T_)6N,62S0I_)(?;PPWV9D^3'AR'8TF_R+R[';@PK>E90EH1GBI3H_$3M
MHH.<CLG[]>V-T7S;A/,'W.-N2>;WB\<8Y)/EPS:Y]DE2GU1HDQ<AZ-]%*CMN
M(V[%/)<!4:)VT(7NX%RJQ\DLG++CQR[V^^0GFK4XB3:Y3<QI32F):@L.,J*2
M"E0_;@'WPNX`1)@(&X62545IEZT+34BN`9O;>Y5Y#.<(-41IM*'0?5Q\Q\<`
MI<=NV_NC8DD$^FJXN_-4BDJ,D4^!WX#+N[=0_?>$LY#UN>1!0&N7T-Y-#GK_
M`%8"8^5SDMVSE+N0*84VFTBF3P`^P$8`]P:0!PWM:V$C*R6AY1T`)LL4^77,
M5.?7`1E/BW4\/Y/R7B;[4+F".XE\MMN?<;6\F?#D3+M(?@IC,N1WY+GJQ&G`
MD.@;6S4>`73]L_Z:O?WW/OP.;<WYQ_*G!&BR_;;P_9[GZ]PBR"TX'K%"DW%N
M,X'X;F]*A)(VD:@UP&T[W%W3VO\`Z1WM!Y7W#=B-52A-CM2)#EGMO)>Z'/G;
M+=)\2"9!:9*W)3=GERU(2)+J-AINS4`_.][7^^+GO;SW=<A]V-XM[?(;MSCF
MG)^3<WXPFY28<6?!Y=R=WE-PL\.<MJ<XTB'.6`RIQIT;$4*:FH#IV[3>[#L_
M[H.*(OO;.^-KGS+E:)EXX;-E05<FX]]7'DO.M38L22^I<>+)=#!?4EK>L`[$
MUH`NLM](Y+?%'6/QR8!G0U3(AI^[`,&V/`\(X@E94"Y.9=J.N^-NUK2GFUP"
MY+G!7<SE0)%(_&XZ,C4`%-J%3X?+@(!XI)"^[,!!5Y6[#?7E'7_%EVE0Z^4>
M?`1EW4=#G(;%'2?^\\Y82134-VB_KJ,\_ESP#N[C20T+PH&I:8DJ).=30)\N
M>N>`B[MXZ$]HN*DJ`]5EEXTT/J[W!E45KOP"Q8)85WAO&U=/H.!VYJ@(R+['
M'%4.8VGR8""^XKZ97<O@$,FI>Y)='B:@Y-PIVGWKP%ZZCQ'[1@/_U,D)2:`%
M--":@&M/'.N`(2%J`(%2!4UZ$9U!&=1E@&1>)Q;'IH)"E`U4%4(U\-`<!%=W
MN[GF\Q"14`;OFUS/VTP#`N=T(0H!5%'<1G6E>@SZ8",KU=&$,*6^YZ;*$+6M
M6X5"$CS%-304&`T%=ZO='W&[H761'A7%WC/&&I$UJ-;+3+ELKDPGE@-+N;B7
M4,RWD,C;4-I`J?'(*V!D)47%GU%KH5+)J5'6JE$9UK@/EI!(`%:ZU&1^[/`+
M#6U*4"HHD4.E?]0SP'<=_P"5_P#=L_S3M)W6]KO)9`1*[-.<<Y5PZ0_,+JY%
M@Y9+Y<U>8:8SRPIJ/:#98"1Z?EH[G3RU"K7ZF/O#]T':?]3SC_-FY-HM?;*]
M7-MOLY$NMUO$OAUYX3;V$F7<[TQMMT1FX28TVVK<^G4\VA2B-RJI.`MC^KE9
M8%V]C_?[G=ZG.W&>Y&M#-L8W)*89D&YK:4%N*=4#Z;!!I2M,!P5,*,:0I*DU
M`-'`1EJ>GPIE@)SX%WC[G=M'6WN$<QO-H92I+BH+4Z8BWO!&\I#\6/(CAQ'X
MARW8"Z_"_?DJ\W^([W4X\Q!<)8];D''WOP"64NI4MZUS`C9ZFX&OU9H0=<!L
M@C<DAWGAW;^[P)3<JWS>,^K%E,NI6AYF0Q;%MG<DK23M2-"1G@*M\MGI;X[=
MV7*`+;!6H=`%*T^!K@+Y]L+CZ/:SM^T23_NEK:"0#3Z>+4USR!I@&CRVY@=O
M9:J$UO=R'E77_K$T.E:4P%+_`'6<RLO#?=KVRYE<E-LQTHN-NN4U;C;)@Q"U
M9U-R2ZORD)+1`!*1GK@-RW*I?+K>WP!ZR18/,+%+&SD-LDNOB:RRTAFC]N+;
M,UM](*C4+0CIG@%A"^<77F,-Q5LMMB[;H:-6GDR7>0/R7$C:M'DBQ(3"$A51
M1TFHSRS#4M^I/W2;[30XUEX=+:%^Y*J7:W9+BJJ3:'`E4Y3`8=:<#OJI:&ZI
M2.HSP%2/:\\S&X%PB4RA(<G\M?<?6D@J5],V\EL*-$U"0\<!:KCUU'_$3N"X
MK*MK2DT--7"3GGU&`5>$7-!?YDZ,_P#=L1.M!F'*YU-,`ZN`\JM=CXYRV\W2
M9'M]OA3HCDN;*>0S'CLMIF!3CKJR$)2":5)&`K5W`_41XAPMOE-E[?6%SFEU
MNDAA+%ZD7./"L441TR4*=;;BL7-RY)6IT%-'&,A\<!K@[A^X_O%W);EQ+]RV
MY1;'-D.SG.-6F9/C64/.J45J3`<E/MU`6<_C\<!"\%+2U.NJ0M3A/^*H`@@U
MRW'K@.IW_P`K[<[+>N_7?#M?<7@Q.O\`P>-R2U.;F_5"^/RFHSI;0HA2U`W=
M.FF`OA^H?R3W']M?U2.PLBZ]_>2\<[>7F59HO#(=AN5VM\/BL1I<=-Q1<X"[
MNF*^J]E;-7&W&`Z&B2G0`+Y_K[]\(G9G]/?N#.5<VIG,^\-VMO;2PIA2A'$&
M%<HUTG7:9$3ZCCZTQW;6RA03E^(*],!^;VL)V[$`9E*4IK2@%?`$UK@'#9[W
M>N/R6[A9;G-M$U(H)-ODN1WD^9*B`XV4JV[T@_=@+N]G/?\`]V^VI,'DC#'<
M.R.03;E-W>XSH]WCLER,0Y&N;HN3:2&X]"GT,R:U%*$-DGMG]R';ONE=I;-I
MN/Y3>W+8\Y^07:3%;GK==DPRMJ%L>]2:EIQ6W=Z3==:"M,!.G%+H7.Z-OJ0`
MS!NBQ1>9`N%N3^_=@!>XUU#O+^WC.=5<[942%YU3`O&=.NN`D+NKSGCW$>$<
MPOW([O"LUM3"E-(ESY+<=#TE3A?1&CK=6A*Y+C+*U)17,(/A@-8'<?\`5<;L
M7'N+\9[*<)^HN5ALD.V2.5<LF`1/J(]O9AN.P+';V5+75YG<APSDG;EMSJ`C
MOV-7/OSWS[YR^Z5]YC=Q9^+RI*5WB7*N2[=9>1<HN3=V;BV;U'UMPYDB#:IF
MP>KN]-M0\PJ0'?S^G+WDY+:O:9ROF7?1V)QO@G;.3=YO$N47*YNKD3>V-D0N
M-$GWB7<F8<:.^F&B`$;%J9W/J\P%*AP3_J]_J9<F_4?]P\[D<.-+X_V7[=7;
MD7'^T'%UW1Z<';$BZ/Q(7+[@VD-0(]ZY#9X<9UU#"%);6M:0ZZ**P&GR<K>O
MTP:ALJKGJJI!']W;@#_&^2\AX?>8'(N+W>=9+W;'D/PKE;I+L27'<;6EQ"FI
M#*D.((4D:'`;Z/9G^K[?7+LGM][EH0NJ+O86>.V;N;"N+J+E&N'JVYEISE,>
M[.2/S!$MEI;CLA,MDAX?X:M]4AO?LDM"^']O@E2'4/(@/(>0O>AQMV`TMMUI
M0%%-K2:@]0<`97<2ON5W%*?^HMD9D[E952J$@TUUV8"".W\Q3_>.>*II'XK+
M(23_`-K(L9I7_3/`,;G<CU>XG!HPH3(YM/62/!FRW^IKG7,X!P]UIOH6[D;Q
M'R1GB#KJ\VWXC4*P#%X$Z4]I>!(IFNT6M8_Y\1M7AG4'/`%>)S2ONSW*>I1$
M*RV>'NJ37:S!1\!4EC2N6`A'D4_ZOOIV\B[JA,J^22`K=0_1TTZ9NX"_7U9_
ML#]I_JP'_]7)DZU2G^%0Z>/P-<`C37:;U&O4#]_[S@(JO4H'U"HY**D@DBN=
M=`>AP$+WZXM-)*0Y3)0-2*"FAU'CE@(=O/)$-A20K,A7F"_WC.IP%3/<=W,D
M\3[4\GG05[+A-C.V>,YZQ0MMV?"G+]9M2*+*VU1DT`(UP&CI*3U!RIKU_=G@
M#"4BOID@EK*NA(-:$#/+RX#TH^-#04('6ATSUP!I`7M&\@D995K]IKU(P&W[
M]$/O0CLY^H!VRCSIRX%@[JV^X]M;ZZ)7TK3;%U>@W1B0_N4EIQ+!M*P`K*J\
M`]?UH.[%[[J^^3GTA?IL6OMAROD7:FU6F3)<<CLQ>,RX]M^I`V[&6YR+>@J2
ME(`V#7*@74M7?ASO]^A=WP;Y#)>E<T[9.\+XK?WI$WZQZ9%B-<NA62>_ZO\`
MF&WIB+8^I>XD$C(Y'`<L<N$EY>Y)HO.AI6O^U348`:*VIMK85A:LS0"FP'^$
M"I(`P'CBMB"``=U``1HK.M`/'`;3?9[SARY]KYW%GW%/*X=<5>@A3N_9%O3D
MKTFT(-2VVA-JT&1P"_S&:MVU7&/7;^$-P)R`J0*GJ/'`7S[=27%=MN#!-5>G
M:FA1-=#'C9@^;(T^[`40]U'N1E<!LG'N*\8?M4R1/O/(7[V]'FEZ=$,?\L^D
MCNQ&=A91(,IW-2SN]/("F`:=F]M/<CWE]X>V'"[M?6('-NYCOKRK*6I=VNG&
M.-MQX[DSD7*&5N1I%H@-NR8[<=LI=0X7%U=24#>'3=R3VIR.W]\E<6[:WB0_
M9N(J_+[+'GH*RBVM*]./&E)B;$>HEMD?*E(-#E@"TGLKW+Y?+C-\@N2+;"90
M%._1,2V0I*`!M*77%)=V@T`J*5P%6/>]^G):NY/8R+R"WR$Q^3O\H@QK#=)%
MM1)5`MD:/<6Y[CRT%IY:+A(<CES:M`!0*[LL!SB=S;;W"]F/+KQV=Y="=:OM
MFD-7:&C9*AH0W)]<1+E;5OH0Z]`G()4E00BH`S.`F7V]<_NW,8?)>07M"F[B
M[:F67UEQ:E2"D**9%7!N_$S)K7[<!,'";QM9YB2I1'TD,9JU)2_IXU&`@GOY
MRY<'L3R"V,/[5WSEUJB.(2LA3D5,:[EY``4"H;]OB!3`:TD-@$M)3MV*-3_:
MI\I`II0X`5X*H1U)RK6@`_?G@%2.2XPC0;?*H#0*&1H,J5P&Y/\`06[GQNU?
MZC_:RX7&4J+;N16+DO&IKGU*8K9:EFVW$I=4HA+B%BU'RG4T/3`3S[X^\5Z]
MT'NSY_W6CQKM_*\"^LV/AL%^>Y-8;XQ:;LAN.F/2.&-[K:6B6VZ(&W(Y8!I_
MKF^YJ1W.YK[?.R-L?<18NTO:FW76\QVYI?8D<KY?#L\B:'8Z*-H?MSEK<0"H
M!?XAK3`:$%MC:0@%+AH"1I2ISZ:8`RTVK:E-=RD@`DC(D:X`7TB3D#GGX>)/
M2FF`='`KY+XUS;BM_A.*;DVN^1'V5A2D*H%EH@*20I(*7.F`Z!>%W\2NYS4@
M4*'++<9*?Q/*$O7*UK`%1H`K`"\UO!D=PNVS254IRQQ]2@JOE;C3$*)_V=^`
MU`>^KO9/[J]Y;Y86WG$\;[=W*\<:MD;ZA2V';A;;C(MEQN26ZEE*I:H(4*"H
M"C4G`4KC,N2I#$=D;G9#S;#2<_,XZXEM``%2:J4/VX#J?]N_;N;VP[4^WGV_
M\?9BN\MNR;7W#Y0VTVH.3.8<MM%N2W;9J&DI?==X[^;SF@%H*QN5\N8(+?Z[
M'OB;X)P#MQ^F1V<O[\B!VGMMGB^X?E<"Z;/YAYKQKCDGA5SX6N'`>*$P(]X5
M-=F-2E+<$B,S5((-`Y5G7W`4H;2GS^7<JIH0>E-#_1@"98)50DJ62%+KEK4J
MSS)-?LP!GTTDI0BHKFJE!M3XY#4X`=QM#+:BE(%`""D#,C3PJ0<!U+_IA>X&
M=WC[`<7XG?#NOW9RXV3ARWO74ZJ7846IR!QYQQ#BE.-.1X=B(5F4DK\M!@+_
M`$>XA7<3NMM4%!+;#9`54)`>:"J?:4X"#NV<_=WEY<#6L?BZ$BA^7<[9OE\,
MA@&GR28IWO/VWC`E6Z\<CE*!J`0U;YC8`3G_`-N,`H]Z)RV.+\M>WY"/1*?]
MJ?%32M:$`'`$.$FG;+MXBN8X]8%;3J-ULC$Y?:<`@\'6I?..\4BI&RX,1DFN
M=&),AK+PH&_NP$$KDF3[C^'L@A1C6V[OFJ@<E1[>G[A5S`7_`/J7O[9_:?Z\
M!__6`)**G0T-"=/]7A@&I>9!"%`=:C6A%0?MRP$,7^64E2@?E"@=QTVUS'^O
M`5DYA>BDN#<-Q*R2%;="10?-4YX"N%]Y`^I:LZ9KW$+.0']`P%&O=Q?5GA-B
MMVY6^;?GG@-QS$*.A!JFM2!]8/LP%!(X!22%;M"02*#[\]<`(XA(6TX%4!W(
M74^.W93]AP`BDU(Z'/.E:>'A@,P:I!I0]1\>OV#PP"[QZ]W/CMXMU_LTE<.Z
M6B4F7"DLK6VZR^E*TI6VM!2M!"5G0UP%T.Z'-)W?=7<'NG?S(<G<OY)<.77'
MUU*FO-W+DLJ3-*T.N*2O>VIM8WG-5>G4)5]IW.'(/LP_4<[:2WS2]\.[2\CA
MQUK*?3=XO-[F1II2V54JM7)6]Q"1IG@-6BAJH>:E0<Z$UKH17PP`;8VK2=!M
M.8`S^7(GQP`4@#ZN."H!*`XZL*RR1M``S_OX"T'L_P"42+=W!O%H*C]'R&RT
M]$J4!]5`D#Z5S;DDA*)KOB<\NN`M+R5SU8,DET`')9!^6M<Z5_UX"@W/>^W<
M7FSCEI?Y+=HG%X8]"V<>C7&4FVQH[(#;(+!<+)66P-Q"$U(T&`?WMD[J]C>S
M'(;ES7NSV9F=]KHVPS&XWQ.9?[=QSC$%:G)"Y]TNS\WBG,5W.5M2PEEM#$?T
MP7"7%;@`'07^EC^H=[=^X/N!Y3QSG/$NU'M,LTZQ1G.)R6'K6I'*[J9<CZJ%
M?.524<3;9=@-%"F6D0I"G_7<)+?I_B!T%]PH$CCG?*?'<:GKMO,.,VR]V:6E
MHK#GTJ!]=ZJMS:"M"YS>:2K4UI@"++\CE-S:XWQ]Y-QOUT>3;[7;VE%U]QTU
M+RRAHK<]-M"#4A)H2/'`43][OZCW9SVC=Y.VGMI[AVQRXVR1Q^7_`#7?(%SM
M[EQX')C.6MBVLWWC<IMA*V[LV^^M2US(Q;,>@2Y4E(::_P!96Q=C.^';OM3[
MI^QW=7A'.!8U)[><OL]@NENN5T9AW*.B3QZ5+3;GY'T;5O8L;[:D+*@%.C:1
MG4-$_`>ZW*^W+KZ;0\W,@2F?IY5NG+?4PME)&WTBAQ*6UI&A*5`5TP%N.TG=
M.'RFS<R>1'5`F--P_7A*D)=(&V35UM8;:4M"2.J!2HP$"=\>3N7"U\>LB5GT
MG+C<I[R0NM5-K:2R:?!+RNF`K^6E)?2NA(>;K7H"BG](.`]6GQ!-*Y>/_)E@
M,V3Z:A_95DH>'@:TRI@'YP'D=VX;S*Q<CL<QR#=+9,:=C26%K0XT7:LN%"VU
MMK2"VX1D1@-I4F4Q:K/(O"(LR3;(3#<];KK@*7F&D+<@A*`V4.M*.:D[@$T%
M"<!JM[B<\OG<SF=^YOR.2J5=;_->EO++KCJ$(6XM;;+*G5+7Z+060D5-!@&>
MRT:4TK3/.N8.8^&`/!H)``RR'37X_8<``]5"`!FI:PVC/,FBB3XG).`+.J4R
MII:#M+*TJ;4/_=D%)RIEETP&XWL'S-=[?XI=%KJMWM];Q(4'":RO2L)D$:D%
M3A)-<\`O]U><IXY=+-R-1]0V"+?+J$[]I)0&HJ0E6>TA4L:8#1M<)LBYRY-Q
MF+]69=)<BX2W22I3DJ<ZN3(4M2B5*4IUTDUJ:X"P7M4XK8N5=[.)IY2^W'XO
MQ]]7([\MP-GU8%O>890PUZU&?47-ELD;LMH/6F`WC</]YD#VUHYQ[F+]!:OG
M<JYV^Y([;6)Z4AIJ-SWE;IO<*4^XYOEHM%BMD.<S^$DN^J\U0I%00YWN6\IO
M7+>17_E7(KE(O/).57RZ\DY!=ICSDB7<;W?)\BYW6X27G5N.NR)DZ4XXI2U*
M45*)))SP"(RV6TEYTU416A(%!TUZX#)CRH<D+KMJ:#Q!S3MUZ8`=NJ$K=60%
M+JM5<M@)J$"O5(-,`5?<4M+:15)=55(!T;`50GXFHP&[[]%ER0WS#N['#JC&
M-IL3RF34),I,]*4/TK3RMK6*TKYL!NFML\.<Y[O.UHM,T-BAKE]:L&IJ*YIP
M$*]II:GN\_<DU!4QQ^$WK_?MH-/CY,`B2W%2?<)V\8K4,6[F$PBA(&Q5N9%,
M]/\`,:X`QW\E%'">8K`VT^G!`U&^Z1`!2H\<`XN+I]/@?;]FH\G&[`2G3/\`
M*(O3^Z3I@&CP%>ZZ]X)(`!7RNX-&IH:-WFZ(R-#IMP$`<>697N?B)`4HQ.,3
MW"!4TW_D*:C/*F_`7]WI\7/V'^K`?__7+O+V(4E.>XJW*!TH,RD==<!'E]>0
MD@`U)"ADJM-*$F@RSP$&\HF)"710&H54UH1D0?'+`5#YM,WO+JD"F\9JS.9Z
M^`P%>KJ]5>1).=/-GUST-1@*->[9^HX-%%:!-^>.?5S\E2-J<Z4V8"G+`-:!
M6T@IR(K7H*BH^_`>S`ZXSL%6U`@I4"=NX5%*Y9&N`/(4%I2NF2A49]#\:8#)
M%$DFI-1KKIIX5P!AH5!!K3XZ5KTP%K^S5P9O?%)G&G_2#-I=5(F/..AMQJ)*
M6XEKTE%+@3M]#,D`#[\`B\#Y`CB]O]Q'&;C+4#R;M3/MK2W'?3,FZ6^[V\L-
MAI9.]+B)+I"02J@^W`5<`.=-0?Z\`5*%_4I6H5;2D@)2?G6=M32F@I\<`GHD
MA^3)4ZA0+3:?*FBJ"I!2%$#-=/#I@)I]O4GZ3NEQN0XOTTOR'&Z*5MHE6TA)
MK36G[L!:3N_R#\@X/?[@D_CE#<>/4[?\PX7%(`S)H4MG]F`UO-@J*0G7TZU\
M%99Y5SP!DE2@LI)3NV[*Z;372G^@P'P#>RBVTJW$!:=H":YT!!KI@.K;])_W
MG=R^]W9>3V3[A.2KF?;G`MC?"^8-S);UU_D*X-KCS.-W7ZI;U8\%<&&(Q;6V
MTA"5@MYB@31^HU^H>U[+>VCW:OLM<I*?<GW?LZ7'N8QIPAO=JNW,AC<^+?\`
ME\A-U;Y#RIR5&<9<+C#33<1T4>W!2`X^KU=[E?[A/OE^N$R\7>Z2G9MPN=Q?
M7*G3Y;RRMZ5*D.DK?>=6NI434DU.`2VT)0-X2D**34I`!I_9J!F,L!B^[Y45
M!HH?*?#('`2%V?O9M7)KE#H5(NMFDQQGM_$#K"T&AJ%9`X`+FD[ZR]L(6"?1
MC.%-37:7BV2*$9?+@&TZ-@9)K4.;,C3YAETZTP&+PHH?$?LSTP`:4@A0Z$9T
M^/7[<`;A52YL43OCT*%?Q+0""D@^.6`O#W'YPAOV]<;;82^)E^AP;8ZZ[+"D
MJ93&*EAIH-!4D05("*[D^GOI3/`42CI,AQ02"&VS0JI7<:9``94&`6D(%``*
MU&>T:4ZFG7`>+&S4*(UTSI@`6]K\@@?]2SN(U)*BFAI_":#]^`)W7R)&VM2-
MH21H,\Z>(P%\O:C>7!"0T7"3!M<R."5'RI^JM@0-:THUI@"/NUY\_9K78X4!
M8^KOS=TMKRBH^2$I4=Y]:0E0/J>LRW3I0G`:Z:_B(`KM2DG,UT*0.GQP%JO:
M]Q@WGF#CKRRVRQ!(4KT_4`4[*B/5*24C:EEE=<]<`@^X#N"QSKG]T?MOJIX_
MQ]R1QVPA3P<$B%:I#D)JYI0FC3*[@Q';<(25`5IN.N`@V*U4EY8^:JD^&>95
MGXURP'RU&2YZ0!"$*J55UI5/A\<!DAQ+[Q2E-&88*1713J3M.F02D`_'`>U,
MM6U`(9025JT*R#2B>E-<\!B0E4E1(HE"*:`T((&6E,L!N_\`T78[O\R]W[BI
M),<PK##!H?\`$>ENO)3NH139&.7PP&W2P3-W*N\;RM$7MYL`&M=ETE-T/B:#
M`1;V6<#W=SNZ]7RLQ;>T0,]IWM"G7,^GI@"EM*I/N4L*,Z0^%<L?S\57'BS>
M7@JCNN`*^X1XH[><J*10N2X#=:YC==8YKTKD,!(MF;]+C?"61GZ=BM*:#2B+
M5'Z>(I@&+V_SB=T90/\`C\VOP(UH$<BO*!0UH>F`@#MR0_[GK^XH&D7BSZ,_
M-_U]@0#F<CE@-@6\_#]_]>`__]!+G.$-T-2-JO,,J"F7C4X"+[R\$URIFK7(
MU/0Z^&`@7ECOD6K*M'#K7H<P?`=,!47E[^]QPY9;TJ\223G^[`0?<EU6,P14
M5"CGUTURSP%'_=DV?JN#+(44*C7I`-,R4JLY(ZC^+`4]:)]:B1UKGT%>I^W`
M&)_K)HEHH&Y))!K3*E0:98#R"HHALD@C:D`CH`*98!4*0I``URSZ'QV^-*8#
MULZ5KGD:Z_`G[<!-'9*Z&)RF9:EM%R-?[<8DA21N4VAEU*@0WD'`2YF"1I@&
M=W4:5'O;`]8*E*>D,S7$)*:A/I>GN)4H_B>;72G7`1V`$@DUI2IK]_[\`CRY
M1;!-<P#1)5F#ENRSU.`#A6]9CKE29(89D*21Z8WOG:%G-*BV`GS^)P#F@S!8
M[E;;E#7(;?ANHD,D&J@I*%`E>TH(2=^N`E#O+W3MG->-6B+:&G6$R+A(EW1A
MQQ#A85&;;1%2%HVAQ+AD.YE*?EP%:$.;'&QF11?7/+;E7`#AX$J2/B*#^\:G
M:*Z#;@!FW:+"E`E*MU:?P[LR0/NP&U?])3W1<&]L/N(Y-?.ZKBT]N.5]J>5\
M>Y`RB5'B%Z8J98YMK]#ZU0B..EZ"4@*SVJ)'A@*1>XCO???<5WBYQWAY#'^A
MF<QO4NX1+*)CLUFR6I<AYV!9HS[K32EQ;<T]L31"$T&21I@(3V)6JJJ*)*@!
ME1-"*!/QP&::;5$T%595\*']V`)2/,^2?E0E()KD?LR^&`/\:EB!R>V2:$MI
MD%I5,R4K!``5]V>`6KX-U^N+RMP"%^DGXA)74CX"F`27Y:4MH!2I86\`DF@.
M6X5IG48!44D%"<J*(KGGX5J::X`(?PI(I4:C0Y#7+`9O)*=KZ$U6A.>?S((&
MY%:=<OV8!0G<AF7V%:+.X1^76%N0W$2DJ(/U19+JB"2C<HL"M-<`6BLAM)V)
MHG2@U`ST-*`X`RE!W`55NIJ#I34::9X`)X[`22>NIT/^H8!(@R5B0^A"D!3K
MB4`KJ5J4G?NV"HK0ZYX`2:''70-Y*&JI)`-5*&7CDG(X"VWM?D>G_,":T2U'
MH*Z'U)#:E:$"M48"O/N`Y:KE/<:<V@GZ2P+D62./4WH4Y!D.19#Z!\J2^J."
M:8"(&D[WU#7()TRU!K7[L!9WB_(E\"[37RX0U`7;F-P%@AJ];TG(T%EB8_(E
ML[4[U%#C+2,J"CFNF`KFM?KNAE(/ILJ"5J`.J:IV@#+IF?W8`RIQ3K@931"$
MZE)_A3Y:'*B:UTP!G:W%CN*0E0.U2BHTKI]VE<`EP&B^PCU*!%2X4C/>I7\2
M]/'3]^`6DE*!M`H`F@":9`:4&`1UN@^J*4*UFM,LJG/XG//`=&/Z0_$%V'M/
M=^3.@H7S#E%62M&RL>Q)F-!22JGJ)7^8I/@,!>GBLCU+QWC>41GR>8D#=X7N
M>D:D^&`8G8=7J=R>]CU`?\Y&9H-*-R)"*#7^QG@"G$2'O<Q<>B87;R\'RYT4
M_=.&D`FFI`/[,`G^XQP#M[>$#_KKW:V10_\`ZU2J5^Q&F`F"$VD0>-,$4]&U
M1$D:Y(M:2-NFFW`1QV[(_E'F\RAI)Y=R!22#3(\DNI\,QG@('[,TD^Y#N$\3
M5,6SNLY#2LRU#6N7^%I@+[;X_P#?_P!/OP'_T4.Z$!K<"!\PR(R%.O@D5P$3
M7MT!:LQN)4?+H:5)'V&N`@+ESQ`4G4T<56OE`Z@ZT`I@*E<L5YW:944L"AUJ
M37+X4P$)7)=%YJ)U%*UV]2HYB@P%._=:RIZ!P5]`'DE\A0HJK1.Y-C(30=!M
M.`IK'94A2EKH*`T`!)5X#.FN`"DK+K"F\VU+%*TW$'I0U3E@/+>H*AQ@!4@$
M*J?XD@`@T'C@%ILDY]:&E<Z"OW8#UP[*$#Q!H*9:D_"F`4K9*1!GPYBU.!##
MH4LMJ`64%)K16GA@'CW27OFP4J`6ZTX8P>!IZT..A*(RE)H:42K(5(SP$1RW
MO3:%,JJ->E`/V4UP!3B%@>Y9>7VPK8A!1MHDN%9<+GR(J-Y'I^.`WZ]M/TP1
MR_M79YELNL)OFEW@QIR6+C:`J+&2MK>8ZGT/"0VL%RBO(:TTRP$4<Y_2U[W6
M>.\MWB4B[R5%?HR^.V^X/PP^FGSG\NW)2L*/6N1P&M_EGMM[F\<M]\N]RL<M
MMBVNJ:D,R(LM#D92%.)6TMI4<!M:2FA!5D1@*E/J6E3:E5%0H;:D$%5*C304
MP!A)H:TR*>F1JK,$G[LL`?9\RT)J#45).8J?'X9X`\XPX&%*2I*DC1"B=Z0#
M\P&>Y`KGITP`[22$E:E[E+U(S&>=`/[.`$!I3RY[025#IGF/LK@/#EM^.X4K
MEE3,9#`)]"ZY(T'F1^WSU_HP!1Q7T[K:PH[VW4*2=,]V68-1E@%&>[.F7.80
M\&VOJ'"MQQ2MH"E'2F7[\`JB()$-,:)_F7$%*4K\2:@GRA=!@'A_+[T2('IS
MZF!M``#!4D5!R.YQNA%,`GL621);<?B$NM-T22FI)K4[A3<#IGG@$J65QU%I
MP%)VG;_>RH"G^O`$K80AALD&BJD&M:D]=!E@'`RH;?B:?8/ZA@!2L;=WVY:Y
MC`)3SE$+K09D#KXY_;@$FP!(>N$HDJ4'%M-#+RI+A42-<SL&`4W\Z*4I*$YD
MG<22?W9X"S7MYFP[9"Y?<YTEF%!C0/4>DOK2VVA(73S.*(2"HGKJ<!37D3R9
M/(+I-:7ZC,VZ7&2RL_,MN1,==:5D2"2A?C@/+<*O/K4:>GYQTT-!]FN`7[]?
M7'8%FM;*E%F'$3M22:)D2VF52W`D&E"XT,`G0DAEH``&FN="I655'+//`#Q&
MUR'2I*"?`)KXC(#`*-RB3%,);;:<'J'83M50"AJ:`:'`)=3'2EIU"VRD!*$T
MH5!(I45`RRP&3C@::"`*.."JJ"A2%"IJ=2:X`&''<E28<=H;G9<AJ.VFE:K=
M<0VG(9G->`[!_;'P5CMKVV[0\,:`]:T]N>.N70!L-!5[=L5B3=B4``U,UE6:
MAN\<\`5X9)WR.[B]`KEMP":"NE]N>5:X!K]@B#RWO=()(*[^MD9Y_AW*Y)'V
M"B,_C@`NV^U[W'<]5D?H^!(;*M:%Z9Q5>M,J^G@$+W%JKP=;8-?6Y9:V]=05
MS7?VCT_V8"=&SM-F2%$!JW'KDD(MBA\OW8"+>W2R>V-U?S(E7ZZO5&0`=O5Q
M=KE7QP$'=@/QN^_=B16@07&:ZFHGMB@->OIX"^55_P!K^G_VL!__TH9Y)W;[
M26QI7UO<WAR554DH:O,)Q8(UR5(;J<OOP%=>4>Y+L?!J3S`S3N53\MCVZ4$Z
MT%?SE%`JF673`5IY;[J>U!]3Z*-R:>YM7Y3&A1D[<Z4"9DH[5'4X"J?+?<KQ
MQP%</B-T5FH[GKDTWEG0J2FW.:?;G@(*N?N+3O+C/%XC237_`+U<_4-=:"EO
M10"N`@?NYW.E\_L,.$]#ML3\MFN2HZXCI<?`>;2EU"JH11!#*=*9C`5Z87*5
MNW^DM`I18J@USU^<4RP!.6Z4%0\KQ6"4H3Y@D#6N?Q%3@`H,@$M[MJ`_5QE(
M%`-NH))S*O4&GA@'&UD0KH:U/3X8`POH=:9T&FE<\CI@`T`4],Z4J.E170?9
M@')?YQGV;CP?82AZ*TZRT\E=5/--MQT>=);!`2`*9G4X"+;PNC+BP<TG:"#K
MK7/XTP%@/:58KI?>X-HBV6.R_<75./)]<K0RPPA0#DAYQMMU24-J<2!E_%K@
M.W#VM6ZV(X_9(<JYVQZXHM\4OP%2$(D54@U#K)"UC-.7V'`7?O-OM9M3[2[9
M+:=82-S;*4*"@:@*'X:=R0>M.N`T9?J!-VFW\:NDAR.S%@DS$A*T(;5(><^E
M)=6K)*S1&E*YX#CLYC'CQ+M+9B+]1E#ZRA61\I4K^SEH,\`B-N$C2H`&>M1]
MOA@%)FAKD<J@&N69Z99@4P"TE%6\PK=L3N/6AS('P)&F`&!%"<P:B@%``*'`
M>D;03J=JOZ1EUP"?(>*2"*"B1D3J5#4#X;?WX`K'4I3*UG^-Y"JUK_:I0T&6
M>`)W%1.XZ'U$_:<]?LP!A<IQ,A0V-E94@)21KNJ-==WC@+L=@?9=W6[\QY%Q
MXG$+D>,XEI2/I9KGJ+JH+3'#+#@4&2FASZZ#`;8^W'Z-O/7VK7<^<7J/#@M0
MDN&+'BR7)29*D)4$/M2664C:0:BM<`R^]'Z82X%ENCMBY2AF^6N)*E,(9M?I
M,3E-#<IAQIN27$K53)0*OLSP&C[D5IN-F?DVB\("I,5]UIMT[PY'?:)2Y'=2
MXFI2X?E-4TVZ9Y`W8:*QHY`S"0*`9Z#]E,`JMJJ*>84R)^'2F>8P&151)J32
MGC_IE@$"=)2`23F:@"OVZ?`8`M&N4*$PAI!+KCWXCM$BF]P!10"%5HDDC`'U
MRTEK<(R6P4G<IU6U2:BOE3L-3]^`=%Y5Z':>-M6I"[AR2$LH2:>H@6R[$U`^
M85<&`B!Y#B5-*<VZ#2M<NA^RN`,H>4RW(V9EQ*4#P\Q*CI_LX#)31;4WO6%K
M5M42#6F7RC_9K@'=8+%,ODZ+;X;+TF3+=;;99CM*=6M:R`G:VGS*)*M,!:^Y
M^T[OCQ'C#'+)G$;BU9E);6[+3"N!6UO8+X0XE4-M#12A!KYS0C`10KC=WDM(
M(T-24N;T[5G,@FBO-6M1\,`53PZX@O(JB0AM)#J?,XEIW<`$M+I0*.>5-!@(
MIY!:I5JN*XDM"DT4I2-P4FJ0HCR[@*BG7K@+`>U/MD_W)[HL2'$A-FX3$:Y/
M=2IE3R'FX]SMD!F&"?PTN.&X;ZJZ-G+P#K(X95=T@+ZCCK1(K6A+<,D5ITP$
M)<%62SW.<!H7>7W.H!TI?+K4?',9X!*]OQ/YEWI?!`*^67!)(']B^7=-`JN>
M`3NTQ*^_?=V1_P#E^-6AC6G^(;2J@R-#^#@$3W"J2KC%F;__`#'.+>DC+I%O
M+E!K7Y?#`3I(=])V,4T_#ML@TZ4$$IZ?$X",^W^79R(X:U?D+>(KKZK\MZOQ
MUP$*^VBCO=/N],-<[R\R"-32?-`SZT#>`N[N_NJ_9@/_T^;)%M?=W(5)BQ5*
M8]5+C<8N(0KKN'KM>45'7`-UVTSJ+]>]R#1!6D,,*CT4?&LMVJ13+`1=?;)1
M#DIV9<W"H@)4Y(W;0K>59%&BO"O3`1K/M,5*REQLN%::D/45J3XH!.8P#+F0
MXS:`&XD<&FX>0)Z&F=#3`(4R*)+3S2$[2EE0HE/E6:$)^W;4Y?'`1FT[L3MH
MFM3FJA`KE\I\/MP!QME;K=-[26S6NU.9UW=108`O(BH2EI"4;0V3M4!4C3S)
MR%:TP&;#CA\CA2%I_LU`6G0+2"=*?;@%1"MPTIEIJ*#+]^`S*:TIDH&H-*D9
M8`*5<)3\=J"L48@J>7&(4JI<G;%/`@B@I],G37`,B_.MH#$9Q1#14?5V$!80
M`!NH32I)P'5]V2[%]HT^Y>TW'A4*V,\;:[9<<@0H$.)"3'<BMLH"%OJCI]%;
MKB4`JHD`G`7J[T>SCBLB4WS,W%:F&4S"_P`<B1V&;.MR88JV91=_%#;\(,+2
MD%I63RLQU#'FG=GNA>87%>S_``*^2.+795A4XY?HTN8]*D*CM6]MAHF,Y"6D
M*]5:B=RJ^&`U2^^B'WR5[?;M.[GSW?J+--B1)\><JXRY)G.,R4F5;[E,5'+K
M!^F5Z@+"2:HSP'-)R:!<+;=)]MND1^WW"(^ZS+B2FU-2&74*4E2'&UA*DJ20
M00148!":4=F75(K3I3('`+#!!KJ<JU/3/0>&N`74(4ELU*-A:2=P7GTR`VT_
M?@!`K:G--:@&I%34?#[\\`$X[0+WU"22*IZ`FO4ZY8!&N#YW)4E)V*)U^[*O
M@*Y98`=I20PE&8"T-N`ZD'::)/B/-@$R=4!.X:E)!SIKTKXX!3;+35^@*D(_
M`68SBJBE4D;B<Q3`=:GZ1<VQW^QL^@_;H;3$A<>,Q.?;1]4X5"J6T!)"U@(R
M`P'1G>9O'.'<:<N=ZE1[=;H<4)E2Y?I,QT*4@T;2IQQ"-Q"30$BM,!J:[N\O
MX7R6=<UV"87([PEM09:VH[4>0Y)2O)MQN2\"DD#0FN`Y"_<]8[S9>[?+K!(M
MKZ95JN=Q>EI;0XM"XZI"@F8E!;;4TPOQ\PSP%?&5QS!90TRX'BE*G'2\-FW;
M4H0T&P1F==WW8`5HC,:T%:ZGK2GQI@"TR2AILBO\1ZBE<R!]^`:A9%SEJ;+R
MVD`J`4!NJK=\B1N`H`?W8!1<X_&2`AL*<=0D*)>="`3XH`;4=M>F`)RA(8;_
M`!6E(R#1H217:JBDDI3Y%;?Z,`[>8-RH7$^#L+&U+T54P5"O^LBQE,G4#-"S
M3`1J\E0+2E.%:B,P=02*Y&IR&`QJ5&M/E-:#K\#@!DK*WDUR\VVH.@W#^C`;
MH/TZ>VMAO?)G)X3%G3&8$)F.IUIMQ4>4[(AK<>0/,H%LME-00?-TP'6QVO['
M6/D'"?R6[,1YEOF6R/&EMNQ6U-OOKCM)6D!P+25)\V9&`ACFGZ7_`&6E\=G6
MZ6RJ&)+CTF')AP;>Q)AH<#H;VJ,=>];27`,MM?A@-:'=GV?]N^T7$.2<>5;V
M;LTM#K1Y$Y!BM3GW(+4EJ.XZYL<`64U).XYDX#G([ZLVUB(TG8V+C!N3\9);
M*%#T"B3N23M2JI4RG+04P&Q'V$=N?R+VT<S[DR$@2^;<_LEEAJ]':I-MLL3D
M"I2$O&I6B0^XPH@9`I%:Y8#>!PI/^]6Q4>2P-@DYTHB-]F6`@7@AI;N?*H%>
MIRZ\9$Y4%ZO!J-?#`)_MY%(O=J0K/ZCF-ZI3Q1R*]#[P,`E=FEE7=_OA)K4H
M8X_&I7-'X0J/O]+`(7?IPO6_A,89!_GD=1()S"+1?U4H-:G`35>92([$A94!
MZ5IE$%1RKL:;R.5#55#@&?PZC79#CBQ\SUO@O*_VG(KCIIXZG[<!!OM27OY5
MW6E[3^)R*6D`9UI<[H-P-!T&`NIZX^/_`,P?^S@/_]3G!CE+B20HCTXQ20#U
M&WRGP&6`1Y-%"6HDJVL.T!H%$)_;Y3NP$>WJJFS%1N<34G=6I"T`I(5D0$YX
M")9K;FQ&X^9+;68\U1Y_LSRP##NXH0!3)L'+H,\CX4I@&?)D!"]%;JM@`IH/
M)O\`-6OFKN\,`R+S:BRL2D!19<J5'90)6K/7,$4&6F`*Q7!M"00%`]?#3]F`
M/I2%A1)R(!&>ASZ]`,`4<8R`J0152%C45_U>.`S8>J?35DM/@:5'BD]1@%)!
MIF2,O#K7P\<`@26WIBI3D646?IGO34SMH5;]_P"(E:5^9(]//RBE<`Q;K'4V
MJJU*6H@[U'QIE2M:5SP'4#^F3W-O_=SBO'.6W^+#M\_A-ALW"HSL8N%%QMUA
M:?A,RW_5HI,E]$<*<H5)).`W1]W>XSW,N*Q^#6U46%*>6ER8J5,+2I#3#>P-
MA*$*4E!4[4D[NF`K9VS@16N^MPY!RKZ&Q0(]A:MD"(W)3)BONL.(`D-O/,PD
MK+R$U4`GRY9G`56]^/N$X4[R:V6?DT)5YX;P^3.Y-RQ)?CN_50H:(<1BWI2Z
M'&/4=7,41OR\AR\`Y/NY?.;KW-YQRGGMY2VQ<>57>;=Y+#*EEF.N:\M\LM%P
ME7IME=!7`,%K0#X'^D?T8!;C*JF@KIKX5SP"P=H:35%5@(&[JFGW'(5P!VIV
M;@020!0]*@_;@"CU5[D]4K.N65<J:ZC`)DA*5,N4!SHD`YU)^-/]6`]BMN)9
MV*22F@&\#-&=!3Q'[,`G7+<E2&R2:*2DU->H%!]QP$FWJP-O\3LEY2DA^W.E
MJ4E(!4[%46BHI-*CT@W05J,\!T_?IT]BS>.QEHNG$G[1'BW^WP+_`/F]QXM^
M?7B`N1',AB%%4S>+4F&5)6:N;UU*!1.`V>VCF?,^1\3L_;R;>"_<47^X6MNX
M.B09CK5M5].T7$*E+7N;0L]<B<`8N'8V7QJS7VYW;G/).21I<>4^;=R1Y4IF
M(^X?4,>S(6\H18K)%$IHK*FF`UAL\/X.SQCW-]XKE;OK+HUQ*1Q>:^IB.HQ8
M[*9`0^[)4E2VXSCD<%:#\RMIKEF'*]!=W1VA3YVD4KTR\?A@#*7@VL@@]?@<
MOA]^`;UPD?4NIC-JJM9))U*/LSSP"S%M"'&DH71*$)%%!-%`@4)!.A/7`'EL
M(0VELE;FS^)PU50`]:'(X!3X?Q25S:_-VUO<W;K>@S[H^$J<"&&G6V=H`&S>
MI;XH%$95P#A[[M)8<XVTP@(BMQWF66DY);0TAE#24II0!+8I@(`=S;3F<J$@
MYY@&HP`K+2W$.N(VD-`%1)TK6E*`YX`-!&ZM"22*T'Q.6NF>`W7_`*9=S=[?
MWQ[E=P0ZY#<:M;;L(H*'$,R5M2D/#>JFUT1_+EG7`=9W:3W%\,DM,Q50.16Q
MQ]AH[[A"CMP$.GTAL1+^K!)259'9F!7+3`2'W*]P/%N%V7U[^W>ITB2[]/#@
M6]EF7+E)4AQ:"PV[*:.U80*T!H2,!JI]RG=BW]Q(]QX7!XU>;!)N$67**KNV
MA#[;:T.-@J:2A)2XA<@537QSRP')YWZXI=;$Y/;FN.OB+RJ9;!)]-894\ERY
M)6UO4I57%F/5*=:).`WZ]M.)L</]EG8^U--A!GV[@E[DC8$'ZR]<,3-DE0H*
MJ+I-3J3@+U<'!-T?0"GRV`)^((3'%*X"O/!R$6/FB_[7+;T?@2+M><AIX8`C
M[>%'^6>X$DG_`!^6\@52E:_^);P#3S"NN`2NR*_4[B]^'"=+G:&!3('TS.34
M9G_L\`W^])2N5VV9%:.\V6H@#HW9+^>FM":8"4^82`U:+L\H9-V=\[=*;Y$)
M&1SS)5@$NPI^C[%<1.XDJL-H616@\UJ*J@_&N`A#VCC>.>3Z^9[DMR)KD#2[
MW=(HK/08"Y>__3;_`/BP'__5YNV@M2'0W4D,[2=0%*KG44_LX!/G)24K"5$;
MXTI*CNJ24^EY@:"@\WQP#&N$=27GGBXG:IY>6M-Q)%%5&OV8"*KCYD*R*=M5
MC>K,#.H2-N6`CJZM$+!3J4DD'0CX9#R_TX!F2"$R$(4:@!)-2-NTDA:=,PJ@
M_9@$2Z2E"!*4I0"EM!A.ZI%5)<HO4>9'^O`,!A\@T-$NI%"D&E0/XD]:5P"^
MR\7&Q_"0-/LJ#]@P`F2DDFH&?6G6F`*NLY**54*3DJG[D_#`.CG'"^<]N)T*
MS<\XE?\`B=XGVZ-<XEMOMNDVV9)MLIM+L2:S'DH0XN-(:6%)4`00<L`V;5;.
M0W-CZJVV*[SH^?XL>&ZZT3U`<14$UP#9N=CO,BZM6AZW2K?-<)'I2V'&74@T
MH5((W94TP'5)V=[!WOV3.0>U=]>3)D0[<Y!N%T$1RW1YMU9+&^4([BUGTI"E
M+*:K4KXG`75X?(LO/^,J>Y#Q=N]RF4AV.\Y'1*4TRO<'/2<=;64D[45(UH,!
M7?EETX'V]Y,+=QB.X])O\9Q,YF5)C?26:/%+*E^A&98!:=*Y0%2H#RX#GI_4
M&[QN\^[D0[#;&'HEBM#4N0E\/E3=W7-3`"5K0A*6RF,(YIFK_$.G4->H&XD9
MZ9`YU\!@,=NVA%**'3H1XX!6B@[0>A0G^C`*RZ^1`I13/JH(%22DI\H3D$4W
M>)P!I!):"J*)(23USSK3^Z,`7>""5K54'>*4%105UTUP!8)]9RJ`4)"Z)J<_
M+45`H*)&`..%2&TT)46Q6N@/17QR.`(VN`[=[JVWM*FH[:I4@T*MK;:D@UR(
M%5*&N6`FYAP+XRAL(J%O2$J`Z`G*@IYL!T+?I,]U+I;?;9W`MMA>E25<(<<B
MS4?4+5(AH=3)3%4QZ1JS%2U'<I4"@&`V+=ND7+F?;KCW(H<RUR;9;C+N[7*+
M3&5,E3GW"RZ69<],E"&W$I!W+JNIZ8"P=JY--[K\)%P_,52[/;G'F%.^JJ6A
MM;;3@6TV[O\`3`\NE!MIUP',[[\O<AS#M1`YYV.X>BSKXKWE3+3R.X2D2%79
MN-9W@@-6]4>0VRE$A5PJLK"Q5`RP&C],E882D+],H2`JA.@%-H%0<C@"SDJ1
M(=:0"4DH"2I1(`40*Y^/PP#NM4+Z1OU$I"WE`%2G$UKXTRK0G`+9><I12`D9
MBN=/N&0&`2)3V];;#=-[C@;22<BI51G3.F`N=VSXRQQOA<UEM279<I3+T^1M
M`4Z_Z3A4C+,MM+6H"I)H>F`K5W\#B+E8&R#Z8B2%)5H"K_+U^[/`0&K-!331
M-0-#4UKG]V`!231.>J:G]W]>`%1DI"N@6DD?8H']^`Z?/9NBP\P1V\L;<5AI
MF]]A^'1ILEQ#2?2EHMW$$%YHT4'1'+BTBM"`O`;5;Q[?;+VYX-,Y'8Y:[9,^
MCLL.[WGZ5MA4]NVQ'/I8T1UM;:DDE*E*4I2MU`0D8!73&1W>YS8+;>U--N.<
M`M@9BSE[VIS26;2P\AE3@-)#Q>2H^55:'`1%W:['V+LWQR_7'C\%49Z5;E0T
MP)Y;'HQ6$G9Z9;C,E2VDH2G=M`(KD,!HX]_K/$K=[<>TB+-:G8-WO'<ZW2KJ
MZMEA$:>J-QSD*),B*ZV$K<(DRZKJ#3>*GQ#9A>6D(]L_8]+8V!RS=L_*`-M#
MP9PA/2B<_#I@++<&!%RN9.838@3\1M;P%<N$%/\`*G*E'^/E%[53PK<;TH$9
M',4P"=[>Q7M_R5[,>OR:_+W#K7D-U/PKK@$?L2H+Y3WVDZ%?*FF4FN8+,R]-
MT_\`5RP"'W=._D':A@^;U>6S'"0:_P"'9+W\.F_`/ON4ZIGC'(GB1064;=:C
M==+4G[/XL`-ZAC=B^*U!(1QZTU^-+13X4%<!"7M!_P#MJ_R0,I5[NKI%?E(O
M%SI3+,45@+C;Q\?W?UX#_];FX:6!(>&BD):*:FHK5WY=/A@"<Q"$IZ5+,D+4
M$T)4KT1EF?#`,BZHV-.;U^;>2-HIMH"!Y2:FG^O`1Q=V$-LN;!N5M7N)3FE-
M-4D$X",+L""D**@E(4$DD_Q:@UZ"F`8CH67B4T0HJ:1NJ24A1<SI09&F>?3`
M-J\-;HJ4J)!#IVJK5*Z)T%:?+3XZX!HJBK6`K+<DDH-"#70_8#@!VEE/S42I
M(S3KM/\`$D#++/7`*\+U)KK$6.TMZ0\H--,MI*ENN$52E`%2HT!Z'`=;'M']
MLOL>_24[5P_=S[O^XW;;O7[L[G;K2CMM[<W'N._EO;.YS&Y4^?=+Y$OC\R]W
M>ZQV%1XZG68MN,504#ZGK`-AK;[G?J?=H.1<XOO/>1=NY?>#F5XGR9,GE-X=
M@P9KRWW2ZMYR2ZSR20XXXI7F)<S(K@*D]Z?U'.8]R[8;%P+@E@[9V=25H6_"
MGOSKFE%&TMIB/QH=E;AD;5;O*YNJ-*9A1-V]7>^.M7FY7"7<;F[M=,J6\X^^
M%TT+JB5E(K\,!^G+%]LO"_U)_9%V&[]\0$*W<WY-VWX]>5(:9CS&+I(F6>W+
MEVB3+8;,EF7:7*!M5'31Q=4IZAI>Y3[3^[/!'+C&XQR-Z#<;1(>9FV">F;:Y
MT%U"RA;;[+*GE&JTD$%*"-O[`U?=VNT/=B2KFU]N,L.P+%;GKCRB;:Q-D/-6
MQA]MDI6\L(3&8]5X>9>Y)(&0P'/5SGFEX[AQ;;!N+,+U+&Y+7;)*$N"08DWZ
M8+BR%J4YZJ&A$;V4VA.>1J*!$CK#L=9;>0I"A74$`_$5I48#--#D<DD:=1_1
MII@#D6B%EM9)4!]R@#EMKF!E\<`MK44H41OIZ:ANZU!&0\1@!$9L(()'D3\/
MX37^C`%I2Z(-5'<7-J1K6I.>=,!XVA2$@U"01M*2/F2FE3D<\\`5DOD)4DUK
M6I\U:5K0:9?OP$I\*@)C<4O<YQL"5+<CA*J>9$?8^0A)(KM5D3]F`7((_P##
MS8R`+[VAVU%1D?'[,!:;V9>[CD'MB[JQK>RQ]=Q'N'!5Q[DL!4IV.E'U#T<Q
MY_I^9B06$!Q.Q8%?4^84((=2'9SBG!;]8OJ;-RUF)QR7L>%F0U'*F7)-7'XQ
MV3DLJ+12$[M@U.0P#G[A\Z;MR+EVOX&H`KBM6^`B"-D:.X]5"I,GZ99V>BVD
MB@3JK48#4G^J%[/[%VL]I/&^\7/([L*X7WN=Q?C?";G)M[;'(;A8%VSD3G)+
M_',D)4NV3I#$-QMMMQ25BA4YD*A0_M5[".U/-.(6WG5JY==N362>TE4:6684
M=,ATI"EH=90Y<FX[B*^9`=<VG*IP&VGVD<:[)^UWB%^LO<;MOQGN'V8YB&8O
M<[A/*+7;YWYC`#4@"\VTRH_T$6^6U+B_IWGH[P3ZJLA7`4B_4N_30[8]D^VW
M"O>O[-^>2N?^SSO+,(L]CY+#AQNX':N\RFOKD<5Y"Y89-RL5RCQ&2XW]0GZ%
M25,_X%%>0-&,M_4U"`*USZ9T'0:8!IMN^M=(J5'8V938)2?-3?D2>E/'`;&^
M.A*>*O)34A(:`4K.J?3-%;O$@9X"KWN&8;1$XJ_H\J1-:^UL(23X&FY(P$)\
M>X3RGE-6^.V"ZW=5"HK@PWI"$I!""5*:0NB0I8!^)P`_,>W?*.`2+=#Y/`<M
M[]RAIFQD.-O(_#4EM2FSZS31+C/JI"P!D<`SE40!\13++H,_M&`WC?I5<R>Y
MO>QP^4I,:9P:TI5;Y!<+YDV^3<;.P6UM'TU--QC':%`I0->F6`Z(>]O-;3'1
MPOA_-KM*LIFNMO6:XLJ0B,9,:+].RI)D/LEQ3L>2I02D@T!SP#2[B\KXQQ![
MAU^O7+IW*7H46W6JS66T0V67W?IXK;<12F7+M,+KA98H5)"<SD,\`X^_,&Z<
MQ[?VBXW,OQR^APHA/H6N1%8^A6L(EJ4I)]1@*"%T2`5>&F`Y-_?)W&G\BYOP
M?ML[%99MG;P/NQ9C+REKGOWJ5`2\I]@H2ADL_0>6BE$[SIU#?7RAOTO;OV,:
M2"4*MO;I*4Z4V<(>`I3I@+"<%`^MORS7\.RJ`T&?ER"O$T.`K9Q%S;P+D#@`
MJKD=\50ZFL^]:?MK@`NP)_\`X3374Y*=NUV<7K7<N]7!9'Q`W'`-WL.L&7WG
MDG)3W.;@DG3)F\W]&O@.F`0.YBR_S/M"S4@JOEX?%<S1%IN"0H#2BO4K@'9W
M8>V\.Y*O,;;1'%2-:WBT"H-:$&N`4;\L1^QO'U$T*./6P$_!-M;3EF*9X")O
M:'Y>WYD&FV1-N3NE:[[M,4"%5\%8"X.\?']W]>`__]?FN:0$O2=PH3LH?!*2
MYYM,OFP`4GSI4-P`;#U0/`[/,KP/EP#7NI9$*0M:00DU%2"=VU?6E-II@(PN
M:MK<JIW%&]-:UK0&@I\?"N`B:\J\QSU"?ET._?\`N%,`R)FX3!LS(*"*9Y@J
M_JP#8NF338K6JU&A^[]V>`1D`C+44-*Z4KT\<`GRZ)=#@K7-*P.H'RD^.W/`
M)EM;7=9#C\JK<:,1Z#)K1Q:BL%2BKRG8$=!UP#GE,?4J7+<*G9*R5.OK.]YP
MJ-25J.9-?$X!.4PH5!T&N6HSS^S`8EK:*@=*]!]^G2N`6+(H&%'"BK_#2?LR
MTURP'Z%?_E/?=$.X?MM[P^VRZO%5T["WGBO(N/*5-]54BP]PY?.TS6!$7YV6
M+9_*45(*3M/J],L!MP_5NG=NN']B&^6S>&S>0]U[K<GH'!X5CF1+'<KW]+'9
M5=D7.\JM=YFLVN"'8H*FHSU%.)J!48#F,_5/]WO:1O\`2\XI:O:_QU-JXIWT
MD6./RN^S),%7(/1_*7IR[9<9=G998N<M4F8HJ6L-BJ"=F>0<6SJ?2(>!*?3\
MP\:=1\*]<`<DM-2V6U+2**%0E0!K6FI\,`V'[0INJV=RT$T4D`[DUK33*FOA
M@)X[9>TGW$]X^#<E[F]MNU7+^5\*X<J,W>N06NQW69;@]+7,;:C1Y<2%(8=?
M2J`[5*E(IM_8$$!:P"RM)0MM1"T*R6E0-"E0)R(.N`-M/;(^8)+>Q/P.1`^.
M>`Q;0!O?<R634DC.IKY4*P`+KJJE1W)J-R1NH`GH-/#3X8!"E2*^1'7J%9DX
M"4;3R^UV_BKD%WUW9S_H#T6PC:@-H<"E+45E0S6/X<`E-\QN3L--NB16F4[U
M*#BBMUU6XZ`)2U0=<`O<-GO67FO#K]<"F6Y;N26B6II8)26&9C9=9HI6:5MU
M%,L!^A/S3L?[/^.]I>T_N_NO-^$\)X?WL;X_`1PJ^2;%:"WS/ED;ZUENUS5N
M>A+0VMIU):]!+B*C-6`W>^W+].?L9V+@VSG7)(-NY9S:9$9DP8GY;;AQ^T!Q
M`?4^P7FGI%T?1M!^H`C9`G9GD'"!_P"9J]ZD#W,^\Y/9'@L],CMU[:Q>N)29
MT2Y)EPK[S>1+AL<CD)8C+,5IJUR;.4,54IS:\K=M.H<__;7O7W*[%7F+=.`<
M@E0HZZ&;9G7I:K)/*2"!.A19,4/U!.9/4X#89QO]1VU<JLLBW=PN(BPW;Z/:
MJ59Y2)=ENKR6U;T.Q)3,)=M;=<I0>K)(&6>N`H!W3]P?<GNO9(W%+E?KE"[>
MVJ\7&[V3@4:XRU<?M$V>XE;K[,-:Q%#U$T"TM()%<L\!"27I#L=+;ZT;FDBJ
M@35RE$U-3KXG`(Z7O3D-J&J7@H*UKY_&HP&R7B+P?X,Q((),B%"=J-#ZD5*S
M]PK@&HKMO;.Z'<7MQQV^OSH]D6[='IGT$1$EZ1Z+\!L1$EQYMMGU@\5%9"Z!
M%-IK4!M#X];;58N,Q^.6N$J%;;;LML*SPT-I:3%B-B-'6&T(;1)<;:9"5.A#
M>XFNT5H`JS[U^'\4NW;:V2+Y=[;:>3V=]4CC,=2F3<9;/T,A#L`MNK9>+#Q+
M:U*031;:?*:U`:?&K%)*-SRT-``43M*EU(R3F44-,!87VG=V;QV+[UV#E5O"
MW(\A0L]RC!QQOZB$_.A2U))24@T=@(H#4'`=='$N]/$^\]GMMKO=M;N+L*WP
MID:%(?9=4EUIEB*H)2XV\0]'^JV+2!D3KXA8#D%MM''+!%O@XM`9^E0@L2-Z
M&#$;=CJ=2$GZ$BJ4M`$`IJ1@*2]V>_USN?%W./62&Z_=+X_(ML%*9"UEB/(5
M0S/3;1OW..!L)2,B%'S>(<P?NAME[M_?/GUCOZ#&O7%^172Q24`.!Z+(LEWG
MP'8SZ7$I<:DQWHQ#B#3:M-.F`G?MM[^>[?&;#Q_A'.2CN!PWC\NVN6YN?-G-
M7VWQ[9$<M\:/"N,E=R8$5F$X4AH,)S":$`4(;O?;/[N.R7>=Z]M6#DK-BOK]
MCWIXQR25;X-V>=/I!UJ"TW,?=G)9>="-WIMUUH*TP`7&5EOMO=RM.TF]WAQ5
M1F3]5>#4Z:UK@!.PCFSLI&=((#STMRH_]Y<):SGD*5.`;78958?=1_,!WN#R
M("A.K?(^1)3\*8!N=P7"YW([1MD$_BW]VA54FD(`E(VTI^)@'/W?6G^1N6Y@
M[;=;QFJ@.Z\VC^*FIP"CW"?,7L9:JZ(X_;J4URALISZ;37+`1[[2VPCM;97@
M""ZB0Y\%>K->76F6`MOZI_N?](X#_]#FN8"WWINQ--D=2Q05J`3D3E1-<`EJ
ME)4JXM5)#;3B-U<@,PFNO@<`A75(_*RNA&Y>VE*`^0D>-10X"+[Z/P9(W&@6
MH&FHH%4!&`AV[."6`ARJ$[04E!S(%0$FM,L\`T7]J)BMZ?+NIIFI.XYG,UK@
M&U=J4CC/,.',=2$=/`X!,'F&8U_T&`39:2E"E*/B"?ZSE@"-M<]1"FTC,.*2
M:Y`D5S'V8!?COK0?./43\I4#4C:3D<J;3XX`YZ-=U`0D@%%12@-3T\,L!G^7
MAQ)HL;@*[*#S>/72OPP"9:%R@IZ.ZTE+<<@-NIJ-X\PV["",@-:X#I&_\L1W
MT=[1?J5V;B+[[;=F[T\`O'"9[3TDQV7;A'NEHFVMU:2?3?6RTN3M!!(WFFIP
M'4)^NCR"RW-SL/V;NG+G[,[W5YQR(7>])"-O;GB/&+?9!(N:8ZIS/U8O3W((
MXVJ<B-J^FKN-``'+Q^LY=^#\1]I7LT[;<(3%B-7E/(+E-M\:+'MZ2CB=EX5&
MC7-$2-(=#;-R_F):DI.[:$_.K`<VR3N22HHU%0K-(UH:$CRG`?(67EI(`2$B
M@2<P1H2-,LA@,7$`HD9YA(`IDJM3F/CE@.WOMS[]>$=D_93V`[1\,M=DOW,7
M>UG%D2#9G8[=AXL@V:WJ?N,B&PMY^1<YSBD@H*H^;2O.>@:,^^'LR[9=W;I.
MOW%;XM'-KU*,N[W2*S$=MT.5.6IUV3>%LGZA4HND^12DE1)\V68;@?9E_P"7
M!]HG>OV[P^4\_P"\7=1_N?)CN0[M<K)$L=LXYQB_+9)C^I993USF280>0O;N
MF1U.H03Y:8#G/_4=_3.[[_IR=T'N&=QFCRWM_<Y$ES@/=FS6>Y6[C7+[:VXD
M,N$2OJ8L"[>BXA3T5J7+#141ZJJ5(:OIT@[J$FO7/(_"GQP`4=@J0EPFN]68
M/WTSSP"@W'JH#=MKUU`KXY#*N`68K<B(KZI*TEL)V*1G^)N.5.@I37/`.;B;
M#ESYGQ=A]Q*4R+_:FTHSV)2N8T%*43_"$G/+`=1WOJN%@[@\W]HG8/LYSQ$/
MDG;V(Y%DR2VU.X5&Y??GK`8ULN"8%SC.Q)Z6[?)4#0K26R-IJ2`ZF/U$/>!<
M/TWOTB++>;_R6+R?OM+[<V+L3P2X-256]5QY1^1N1Y_*FT.S'[DEIAJVK"T-
MN+6%/IJOQ#\M&9=+C/GR+A<)#DZ5+=>E3)4E:G'Y,EY6]Q]UQ6Y2G'%$DDU)
M.`0+A-5)<]+8M(!K2OD&W3.GF5G\*8`FA)-``2H]!J2?ZL`HH@%2/4*MH-,M
MM2K(U(.65?A@$.XJ<95Z1-4YJ!%<Q]E:"HP"*7*+`!%173/XFN`V-]N)"G>U
MMG7NHK\O@(URHW!:2:_"I&6`D"V<P@<%X1>^03Y+K1_,68L=J,ZEAZ7(4U,D
M)BH*CY]Z8I44BI\N`B'N#[KN?\QC?EEC>>XK!<;;9FR8,R2+E<$--+:2RIUM
M4=,:`0LJ$<AW:0D;SMJ0K(^_(E/KDRGW)3[I4I;SRRMU14K<25DDG<HU/QP!
M!TJ4L(&6I)%:I'2FFO[\`Z>W<AJW]P.&W!UOU6H/)[*ZZA5`E;:;@PEQ-:$#
M<@FN`_1%[X?I)0>4\%X_[H?;M*>^CYWQNU<YY1P*+:4NNP5\GM37)G;I97K5
M1,AL/S2AQM;**;TGU210A0JW>V3F=W<B0W>4/7-Q]QJ'#MR8DB1(#RZ($>.P
M99(D(IM(&A&`W9^U#]+#@_MMX;R+W)=_6XMVY+9>'3^2V7C%PMT=N-Q=7T*+
MHFZWIZY,EU-Z84E+`0EMKT2ZZ/45U#\RSOOSI7=+OCWD[G.;O_XB=U>XG.4@
MN^NI*.6<NN]_;'K$#U:)N'S?Q:X"'7$GU5CQ.Y/2H))R\:8#PA3:DJ%0I)W)
M4*@I4/`Z@C`6T[-^\ONKVCMCO&7G_P"<>&O,E@6&\SIJ3`_Q=CMJD%4F/"4D
MNJ!'TZ]R32HP&Y/VA=[N`]R^SS=AL%U:;Y59HGU%YXO)>C?FD5I<E]+C[+3;
MZWY,1IY:$EU3;62TY>:F`>_850_ESGD@Y?4<_P"7G(@D[.57].O77`-KFR@O
MNSVO;%/PK9R!X4\PJ6[<DFE1KZN>`</>)P#@'*R""2FSMJ54`'==("J#,U'D
M_=@#/>9[Z3L3$S`";';$UKF/P(PK3*I'7`-SVJ-^CVKXJ<R';4P]7+(N>>G_
M`*^`M?7^\K_3_G8#_]'F5==4'2@**4J8W%U)S]1%0-VF7F\<`86=[,E0"2I,
M=55A-2HT)J="K`-VYNI3`80`E'J*2M%1G4IID,J_'`19R!PI1)``J7U!5,_*
ML+S^SRX"&GPE2U;]P&RH!54"A(%*IS`P#8F;?7?<2,D[4JZ542LU&O\`9P#8
MN9!<;!T2@GIU(R_=@$TCRBA)(!(IJ:G/KK@$6X+(;.F:LZ:4-3E\,L`!!60V
MWK56X@_PC0YGQH<`Y$,,JHHI+:J`A::)H3\::$Z8`87!3+B&I1WIHI+3Z<MV
ME4JJ2`H@#KGG@%!*]KJDI4?EW)/0ZT&OQP":M6R:H9@+2E=*]%$G3(4P%P_8
MKW87V1]W78?NBAQ3*.)<VCSWU!TLCZ?Z.8A:2L*11)44ZD#`=O'O\YA:N8^]
MSN(KN2PFX=A+MQF+V:3R"*XB2YPGF-L=3]5>DB8G\M8GM)MKC:6O5;<="EDK
M1LHH.(7WZWOGR._'(^UW/+FFY/\`9>YW3M[:UM/R7HJ8=F>9MJG(@DJ*D,/(
MMC92`$BB1@*6-;5@-TUS4:YT'330UP"C'9`-`,@*DTKNSS^X8`F"`"55VFJE
M'4Y_**?MP$B]H^_?,>*<BC6Q^[+<X\\6X?TK\]^*($:+O"!`?)>:BK(<H3Z9
M!"1X8#;=V@[A6:'?[&E^YB18VW_779K%);>ML60I2#]3-EE26Y+X%05^@V<S
MXX#>#V0]\'_`'E,#FEB:?O/%'HZ8?)K#*N/H6^\VBJ/6E>HTEUA+T;:"RI;;
MB=JU#*M<!13]8?\`63[6]W.$WSL9VBX?9^00.3L5FR94J')M]L:4%!J3.C0?
M60N[MAPA+9*-E5>8X#DA62ZZG>22HT/0#[!4X!THCMIC(*<DI6`00"=#MIH/
MMP`8%"3X_P#+@%B+54<MDYI401U2.F7098`:PJ?/);2(R5.2$38X9;0HI4XX
M74(0A-$J(*BJF0-*X#?_`-CK'S27[HO;+P2_<OM]SO0N#$NV=N.+1GYD;@5^
MF*A+3>^7/NW!"Y5W9CI>;=6(410<437,C`*O_F)?=K)[J>YSC/MLL-S?E\#]
MK]DG<:=)N1DIN?-KJ[`;Y#*E1FU?3-28,FQ[4ZN?BG=3J'.Z)9(H4A7ES)/7
M^Z,_'`8%E2$"0Y4J6JC:`*>.69P"A%AL-%#\MRJU?]50%>[4)HHBFWK@#TIP
M!*E)4E:0`0E/ST']T$Y8!B7AX+6A0U.X;3T`(HH=<\`@UKK@-A?:M_=VEM9R
MJE"6JA6=&X[2144.>`B?NK?G9<BV\=;)]"`J1<7?/5*Y+]$,[DY#<TVXX*ZY
MG`1>D@(2=*H&E*Y@9_NP&8R`UTKXGQ^_7`8)2*J!UU^-"21]XP"]QTH:Y!8E
M$52F\6M2@`.DY@JJ.N`_8&]O'-;GP3V6=K^2<7AMWF^#L/V\N?&;7+D+AQ9-
MTF\#LK]NA/R&F9CC,<[ZJ*&UFB:`9U`<;7MD]XWO4E?JQ<8M_.>Z3G`>8W+W
M"<]XGW1XS,3R"[<+A7&T<NNS=[XW:X<CD%AD#CB[I$=3#4\`0S'15JM0D.IO
M]<CW4V_M#^E7WVY[!0_;KMW3ML?M9QZ+)D)COQ[QR:QWOE&QIU*FUR4,Q>*N
MI24)2IQ/FVIH1@/R:J4RK4`!(^`'A\,`7<2D$+.IJ*&E:$@C(^'^O``D)(!4
M:FGV_P"FN`!],_[(SU_NZ^&9I@!+=<;A9YC-VM<R3;KA&4I4:9">4Q(:K5)4
MV\BBD[TZTZ'`=&'LLO4OD'MUX]?[D\J3<;JN;*N$IQ96Y)FKN,Y4E]Y:RI;C
MSSRE*62:E9P"OR905WFX"C<?+QB_OT!KJNP"H\,W,`M=XG1_P^Y14E2ESN/M
MY9_-)0LY^)V9X#SW!RDQNQ#0-:FV6I(K_P#"8&7CK@,_;(C9VIX>,JGC]J4"
M14T7&:7@+.[_`.]_ZW_+@/_2YCU!-74)"J[W16G]DI`H*BFN`/N/`19*:5=]
M)0`U\RDFHZ$T(P#3NU0W;F"301%+6#G0@-@5T\N9P$4<F>;2)*'7&T)*E[:J
M'S'?GG33`0O,GM!9;0AQQ0!"/32,SH`55-`?LRP#<>==>+I"$-[E5JI141\V
M0\J?'`-VY!87N613)(6<A45-,R=*^.`(J5M%*Z`T(.M:'3K@&Y<73Y4(%34J
M/[J5SP!N&E/HM`"GD!53Q(_HK@%^/ZB/,T%+`2-R0*J3KJD?,G]F`QGA;[80
M$I36I'_9NU`\M1DDC[Z8#V!(*F(I4HDIW-$D>8@!-"K,ZTP`4K\-^&Z?*AQH
MH7ET(00LZ`A('[\`OM.N,E+S*BAYH@H4"0I*@#0BF>6`[<>UW<'B][[5V+O]
MW-NRN1>WOWM<>9F=Q9<9;,V?VH[I<>;8N;[BG);RK6N?:7>8SH\?U5L/.I+I
M_"VJ2H.*+N9>GN4\VY/R&1.5<7;G>;A,5-)),M+SZEAT5=>(2LFH&Y7VG`,J
M,RJFZM%*HJA%<A6FAJ:[L`?6?IXY))*BBFE/CEG7`)3;[90LA0WH32@Z4RS-
M<!&\I`]=\`U3ZJZ5S&ISK6G3`3EVN[Z7WMZ[;H,J.J[\:A%W=:42G8I*G-NU
MXJ4B2RIQ&V@\@R)P$H=Q_=GR'EW&HW%N)0Y_$XC[8=Y!-5>G9DRXO)2$ICL^
MA#MHCPD%:ZI47=WETIF%3+A+E37/J)DIZ5(4$I4Z^LK<6E-=M2HDT2,`CH`*
MTYJ\HW;OC4?MP#U0JD))6D[%H!0Z#N%30[%$TH1TP`#B$!:=I4$E(H0*U.76
MN9P!^*-N\$JHOSIKT(RI]]<`+94H'(K<I:''4"2TI3;)V.K2'FZMM+VKVK6,
MJT-*Z'`=`O:?W./=D94'G?"N#VBR<9[6<<7?N8MP%%A=NGN0S#MU@N-ZCQF&
M;US>[N2''GE.1X195#6`V[OJV&@KG/->0=Q.8<EYURN4[/Y)RV\7"_7J8^XZ
M\[)N-R?5)E.J=>6MU:EN+)JHD^.`0K=%<F.9?X+:JK(!.Y2>GA0'[<`M264M
M?YQRI#'X;#7]IU>GP%`DZ#`)K=O:D;G%O./NG-93FT#F2`?,7"?'+`#O->DP
MH>F4M@?*G(9#4C0ZX"/Y[I<>(I395(^RNOVFF`*)2I:@A"2I2C1*0*DGP`P%
M\>US,N#VMBM3FRRXF0\M"#N"PTIM*D;DJ"2D[1\<!7J^23-Y)=I.XJ0[/E(;
M)U#:)+VP=10).6`35**6QD%%"E(/P"<JZ5SI@#"%`MI7XI!_JP`B0$B@J,ZU
MZ_ZM<`O<7*?YGXZ7/D-]M/J?[!GL;J?=@/UO_;X(%E]MG;;E/(`X.#\'[:<9
MN?'X4Q24&Z/)XS:78JE^HDQQ!@6YA:6MH/E<KD,B'#=W0]ZDOGWZH=\]Y\7C
M]F?XWP3O_?;7$MC<]3D>Y6:P<SO]LL-R0\F.IHRI%JD*6MX$I*E9"BL@V3_^
M:W]S2.8=G?:!VLL5S,FR\VY+>^\LB.B1YD-V?C#]EMC4AEI]QMU2(O<)82Y0
M=:4!I@.(SX_TX`LZ"`33<DDZCS).>FM0<!A2I2/@#\,@<C]M<!B4$T;&9423
MXA(S)^&9`'VX`J[YMVNT$T%=!G05SSI@-_7L#B7:W>V:VN7!*DL3[C/DVI*M
MX5]&N[799=\P`VOI>0L;<B#]F`D2[NESOAQ=.5&>(7@CQ!6]QOITR.`6.\+X
M'`KX@JH5\@XXUD/A+7D:Y_X>`+^Z%_TNQK))TBVI`/CY&A4Y]<`Y?;I1OM?P
MA`"C3B]D)KD!_D(],J?'`60WGX?O_KP'_]/F*7/#A<5%B2'B=]54V-DJS%'$
MARM*>'7`!)<N4EIU($2,D9+JI<IRM#7*D<)J/MP#7O#/J(0X[+?>K"6L4.Q!
M^4J&PER@.77`17>6HH:6I*&T*VN!``25$@#,G*HSRP$3WNM4J"B**HH>.ZM#
M]U,`WG#N#BE5W$?-6E,E5K4:Y^.`;5Y<"6:J!(+AR'6@.5/OP"_$L,2U(C.W
M)E$R>XD.N0UI2(\*H!0VXE:5*==7N(4*(VE/6N0-^\3G/4*6P&T'=1ML%"4@
MT("$@G:,M,`B0VU(5MR4@`;>B@,Z@BAS&6>`6_5;2D!;;B"/^L;(2Y^VF8P`
M?JMD*:>>*VW15MPTJ%#7?51`(K]^`1(+U(_H(6"II2U**59DD@)`/@:'`+EW
M3L1$/1(].G@"E-#\`-N`%];<V$?Q4!4:]3G\N=*X#>UP3O'?NS?Z7MU;F-R.
M6\`[X6Q[B$6*_)=B?RIS[AJF7(%Q8<*9T93\2/?YK4=(0VZXA2R"WM(4&B1(
M2XX$IW42G<[E]PI0]<\!DE(2I6TJ%:Z@^6AS`S%:G`$[BYN:(K\PH"#0_'//
MI@$U+&]`90-K=:K`34+IXTH-3@&++3ME/I)K1U8R%!JJHU.66````^TDX#('
M:"=?*1@,5*S&M,^M0,M!\,`-#A+E%"4*2"K*BNB2-33`/.#$F0XKT-X!QI2%
M*;<22I)&NU:2FAU\<`31M5';RJH!(509U`RIK48`4*VN(5D`/(<M0K[]<L`=
MMC=;O%5ZA83ZS0+_`%:2I:0IT9I^09ZC`6U[\]V&Y7"^+=G>'EU?`[(^]=[K
M>W'JN\SY4A*&I=W=0P3&6VTMUPH*E.K(>S4.H4[4T9:PVFK2G0H%5-Q#:2*F
ME4T)J*9X!?0\U!5'A,JR0WF:!/R@#.A^8USP"+R*:I2HK)`*,W2%5`J*!(IG
M7)6`!BNN.K;2XLK2$U1%C9IZ4W5.0'P&`/3DNAA?D4D*&W;GY`:USH.H\,!'
M4A+C;JD.)*5()&TUT!(KGXTP`UN-)T0^#Z#^_`7:N-_59.W+DYM)=??D?3QD
M[J#U7F'G4K6!F4A#1TZG`5N0ZM?IR7%;U/@.K54D%QP;UGKJI7C@,ZA2WV],
MPY0'4.;C5(Z4\<!Y;W"XRM"AFTZMKXT02D5S^&`/C,`_`?M`H?OP"WQI:6N1
M\?<4`I*+Y:%$'($)N$<T)SR.`_1F_5&]Z+?M]_2OX+<H3C,7E'</MUVW[8<,
MM[$\13$=N7:Z9=47!(04ON@1./E!#8%2X,\!Q']G+4^GMY!C/BKMTO\``?4:
M$K_%<WE9J*J42Y4X"??UJ.^[7=KW#]K.%6Q2/R#L5[?.UW;6,&G_`%`]?[3Q
M>U6;E4U:$*+;3DVX\=0M0IOK\Q)P&G2M`*&AJ=,B/A7P.`+/G1!ZFI)Z#Q^^
MN`+.++#2W55HG(#/,Y_#3+`?1T*4T'2#N>HJHRHDBHJ:$^8$'[<`6E!8'II4
M`M8)(23Y`#J!UK4#IK@-_P#['+JE[VQ<5C*NC%QD079\=]EMW>[;4FZ7#Z>$
M^GU%J:4AIK:D&F2#E@';,D>IWW@5"0&.$S"!6F:W>+Z"AR.>6`4N\$@JX3-&
M0];F''&]M>GT5X6*#_F8!,]W$O;V1C)R2"NT-BIVT\@Z5TJG`21V%)C]MN%I
MS(_E6P5(-!__`&V+GUI4C`3[]2YX#_I*_JP'_]3F61Z:5/NBJD+HI`.H3YJ9
M??I@$9#FSZNBAM#BJ="0-U:YY5K@$._.MIALJHU7Z!6E.@23N.A!&`AJ\&K3
MAR0FKB$H(S5X9U%:8"*KRZH[4@&@<IO!HC.E!7.IK@&^M9)4!D<L\\QG4DY4
M`K\<![;8(FW>"AU*768CRI[X(JE;4=QD*0JM1107URP!N:\XZZ\\X07'G5.+
M6"=JEK))(U.I\<`P;FH>II2A))&8(&69RRP`L6@433/;H1KGTZX`\9"S1(!J
MKY$)J2:=0GPSP"3/>D+1O9;0HH-%)6H^H/"B0DG[L`FVTA5S+KR5,I9;W44-
MH6XHYE(/1%#^W`.6\GU(F]*OD&X$?93+`8JK],R^@Z(`4.E"!0CXBG[\!*S_
M`'@Y,SVB8[.1ILI'%)'(OYIN,!4YUV'*N<%$IJUO,0$AMF(Y';NTK>L^JIWU
M!39M.X(WB-!+>9\RAN6>F[6E?`5P'@-$JZ$;LC\2*_T8!J7B8$K90G,U4I1^
M:FE":$4UP"BRM0C!S;182DK%2#4A6:1@(]G927JC1PD`_&N9\=,`6*J9YT!/
M7[=?`>&`#+M/',`Z:5^_7`8I4"0/$FN>GA@'79X##R0Z\7D`':A2"$>.IH:X
M!Q_01F3N2XXD4)"=PJKXU`%<`G(\K;I)R2M>:OFURSZG+`!M$2&"!\Z"`0?$
M>/@33`*3("QO4"$^F2HCH,B=<`IWKD$F_M6IQYIMMFU6>%9+>A%=OT<!E+2'
M#4D!3R$@JIE48!)M*4N/.OT&Q/X*%="E)(RZ"N`(S)*6;TVM9I5!2!D"/ETS
MS!P"5=%_53][^YAE*=B%%-2H`BI2"4`UIXX!Q6Y<=MK9#>;7454%T2ZK+*NT
MJ%,!E,V^B1F"10CP)(RJ/ZL`1Y;"93:K/*0"'V0B$_D/.GZ?<VHD9U2(YK7Q
MP#*M_P#WV+_\9'].`L'S#DQ9XU9;"RVEPA_\RF+)\R&D1U,M(2D5/G$HDD^&
M`8+"DMIV@;FEJW)/0(54IRI2E,!FIQ++[92X%I75L$&NVM"`>F01@`;6K_,7
M!'_ORHU^*UYC[<`L`DY4`ZY_'X9=<`;MSWHW*WNBH]"=#<\/\.4RK]U,!NG_
M`%#_`'*7[W,S?;EVU]=X\8[;]MN'[(PF.RFY%R1QFT6IM[T:EEM;<8.C0D!9
M&E<!&D6-%L%GMT&,W06Z$U)(5M24KCM,JJ-H%"=FM!3`:UNY_,9//^?\MY?*
M4M2KY?[O/;#BRM2(\NYRY3+96HFNQ#]/#+`,+05P!)*RIS=J%5H"-`#EU\,`
M5NZBF,V*CS.I2H:'9M57[*$#`9->H]Y5**6T@A"$@BJ10#<=,QTI@,W-H_"0
MG:$G;1/]W(4H.@P%^_T^.ZZ^.\ZY)VK>A*D0>;P$W*-/;=VF!=;&YO;0ZR4E
M*X[\2=(!(4E25A.1!.`V$_6%??5\[R`SPI.GF`]4\:40,P`#3]V`5>[<M*^*
M1VP:EWG5BJ1_=M7(2:9G(4P#=]W\]0[/6YD*\JIUI037IZ2S3(Y@$8";.S3H
M;[?<20"`E'&;"!EE7\OC9#,4.`FWZP?]HU_\T_\`LX#_U>85#VTN(0LJJFE?
M[:16A1F:ISP#81,2E=S%37UGJ)2K)1'2O@*X!"NR=T)*$NEM7T94G+=NW)T/
MF30)(USP$7WZ0XXEM"PW6CF38.5``",\CGX8",;R]N+:<J!1)2,Z`$4J,O$X
M!!=54Y5^5->G561P#GXHVG==9*P"&X(CTK2OU)<-!]OH8!MO*.@S^:O[L`SK
MBBJB*`DUJ!F/@*4RUP'L1#BFBM'IA9`1YZJ2D^:JB/+5*2,Q7K@%5#2=I2VH
MA1R6\0-YI_$HU&[=@/D1V`D%/X;0^9[(K4/@:`4)^W``FTIE?B;2TBI4@KR4
M`?`;0$@_;@`'V4I06FEJ<"-21D?@G,[M/A@"Z43(\=*0@.(0C:GY@3IEM`-`
M?OP"7&?>0Z&GF2DMU*-P*24$_+G_``HVC]N`<34U#:-I*2:$*(R37K09X`!$
MER6ZF-":=E2G#M1'CI+CJLCHA-21@+0]I_83[C>\#DRX,<7'"[#%C-2G;WS9
MBZVJWEIU3B6RV^+<ZT:!!)-=",!7SN'VXY)VQY1=^!\OC?07NS/+9=9]%Y*7
M$I6I#<J*M]++C\5[:2A>Q-1TP$+7-Q2I%5CS)&TYU)*12IK^_`)Q<J%"FI_K
M_KP`>`5K7'+[[2$`N..K0VVA"-[BG%J"4(;2"*J4H@?;@.G/V&?HB<9Y?V^X
M1WQ]X/->4\2MG/$19W`NS'$[,ROF7)H$AI+[,F?(ODJ(AAAUIQ`*6H4D#?\`
M,:"H;Q[G^EE[3K-P*]<#:[<\=X+;KM!2B);5<5LM]YR`TVM#<^_7#T.-I*Z.
M9I$;RJ)\QZASV^Z;]$N^<69O5_['\Y;N;$8O25<9O-J=9+K!)4E4"9;GWPVC
M*@3].H9C/`:D9GLV]RG&WPW*[7\C>8<E?2&;'MEV7#]0E6U2GE6U(].B2:ZT
M&`&[R^U+OUV#X5PON'W`X;(B<%[BN7%CBO+(+=RD6.7,MIC"=;53Y-L@QQ/C
M&6G<TA2R,ZZ9A5M<ATM!`.T;=HUJG[J_#`"19DJ,R&(Z4F@U6DDY95R.`!++
M<B4'9IDMR%#\-8%&MQ-0!NS%,`LQYDI@*1(3]7&;5Z;N^I>9&=%Y[@4D`ZTP
M`\J`R[Z:XVW:K\1E2`"#F/+EJ#7`8R/4<V;FE(<WI0XV0?CY@*"HR\,`%RAS
M_=*49G_-M$9Z?@20:9:9X!B6S_O\7_XR?W5.`D/TOKY,I]:@H)<6AM"C4%*5
MJ"3UK098`7-"$^6@1Y/3ZHVBE4Y9$[?#`$)[R5LI7'(4II0<7G10V@@@E-36
MJO#``VJ1ZC\IP"A4O(;JC59S-/C@'%OIMTHHD'I0ZX#-"J*W=$J"J'IM4%4/
MA7`71[5E[E=YM_();:PU&MD>.@9K`^E$9MG:5)IM],JI_5@+`<SN:K=8KM.(
M"41;4\5$Y*V%(0!6H``*A4X#5?NW>:A\WF_Z530?9@`)!5Z>U)`*B0:UTZT(
MZX`NTBE25=.F67VX!.NZ@8JB-4*JDA53E6G36AP`D%]?HH(:*:IKF2"HFI4H
MT&9.`,J+BQ522`<E;:YUS&9&>GA@)1[%<K>X)W8X=R&.ZS'2Q<'XCZG"0UZ$
MR')84E9"VJA3A2<R!N'7`;E(\I![ZWXI(4AKBT5M*JU2I#B+&I)2KXA&O7`#
M=TIA-BM#0\RE\^M?\6@;L_):$?LP#4]WUQ0>U-J0*'?>[6"-V9!;D$`>&0P%
MD.TSY'"^,(IDBPVE(I33Z)BGE^`&`ESU_A^[_EP'_];EL$IQDU("O5"5*J#0
M?-6@Z#/QP#6C2DEZ:*`A<A:B2:T22<Z=1_I7`)LM\N1VR4Y?0A0W'(Y"E#_%
MK@(BNLHNNZ`!"73EF3FG.M<@:8".YSA4I(50D*)(`V[59;A2IK6F9P">HG<3
MDKR@:9#6@!\<`\.-HWP+R:9J=MZ14[<MMPK4TZUP#5?-.E``34'6M,CEG@&9
M<DORPXB/Y%`4WT.7[#\/'`$K)-"42(DA.V4REL!)/^)3>"H;@%94\#K@'$VM
M)80APCTD"JLZ^II3[$C[ZX`1MS\0..`4I^"R3Y4C6IK7.@\!@!5;I)W..$IU
MV#('X*J348`PRTV"`D[:T'0$4^_`#*9:KL;;]15,W%T(SUI1)-*X"T?L[]I7
M,_>)WJM/:'ARTPW'8,F\7N[+BORF+19HCL>.[+<;8%05/2T!.Y2$G/.NH='L
M/]%7MQ;($=%R[;0KLW#VH=ERFHD)QY*$[?5=4OCDT22Y2IS3^_`3]P+V>\3[
M=$VWMMP#C/'WV@EI<VT6UB&E[TRK:`_%A-E0!*CIG7`3QQ[@<_CU]1P@2E1N
M;WE@3[==$OJ=LUU=C4^KL%UMOI,2-JE36U(H^O-M548#7'^IM[+.$=V.R3/,
MN-0TVCE7&)<YJQ1V[7'=NW';LXW#;E\/NKK7I/OVN=](/IBD1U($)56E[OPP
MXW;Y"G6ZYRX%TB2(%RAONQYT*4VIJ3&DLJ*'&7FE[5(<;4"""`0<`D:U)P'F
M`L-[5^;6K@'?[M7RJ^<%A=RK?:.6VUY7"[A)1$AWEY;GI1T277+;>$EMAYP.
M;?IU[BFE1K@/T..V,2_1OS7F=YOTZY=Q.1.)=OUSMZ'(+_&XDSU';7PCAS#D
MJ=)@B&T'$.J4]1(:31GP"SO'>?<<LL.!QUWE?&.*SGH^R5'<NK5PY3-F!*4?
M[RN9_*%/R"5*WDQP5$URP"-S+@%VG*B*A.MW.VS1ZLZ="2M;;"W`%(6VI/J)
M-0I6X$C09X"/[Q[,[1S*UJN%QY2B`W(2IM]UN`ALBJ2H.K4N60M?E-*TK4YX
M!@]Z_93P[O%^C][XO;_'Y!!Y!R+LIR:!WFX6IJWL.S+/>E,\H3!2J.),MUEN
M;"EOGU&_34KT\LJX#\Y!NW)4`<O.`I517:2*Y?9@#*+>M*DZ;!7<*$5TI36I
MP!YMA@MJ;=810^4!0'FRR-",\`EO6QZ'(3,MY*@`4N17*[7$'/:DH`R`K04.
M`\;++8]5A+C`6X5.Q7"`EM:B2KTP`FB?NP!I]:7WFM@W!D56K=7(:)IG73QP
M#6Y0_NBM('\<HJJ-"E*'1_\`S8!GQ=XD-%`)4%`@#7P_UX!\1OPG$J*BERE"
MA`R*12H4=3N/PZ8!72\E8&U:TU%*D5&W+(&HI@"DM:&F9#FU*E>FL;B`*5ID
M,R=1XX!"L:J,K.M=I/[S\=*X!RH>\M,SUK6I!/\`1E@#H(R(-0I(^ZHK^W`7
M[["+CO\`$K?Z&P.L,,MR:$'-#3*`54S"B0==,`N]^[N+=V]N!5M0NYJ;M*$@
MD&KL>2_0'(D4B^&>`UVZ#330#[-!]V`)O`E1`^(%!7J:@:>&`+[@E)2!F:YU
M_90X!#NSM&`"15:PD=*9*SU^&`4(ZBAAM)H2AI`JO(*\J<P:FI(P'JI9J-U&
METH%I)6D@:@@[/Z<!\'WDJ;<`35+K2T.H6?F2XE04D4^'C@-Q7:2[2)_(K?-
MF.^K*=[4\`<D/!15ZCSW&^...+422HJ4JM:G7`/GN//*X7'&BO-?-XQ`K4#;
M:.0:BOQP#-]VT\N=N+"WEGR&UB@.64:70?NTP%INV4W9QBP((.U-HMR"*ZTA
MM#(=*4P$K_5H_P"S5_TQ_P"S@/_7Y1),I22BB@-B6RJM:%0W5)STP#6;FDJ>
M`(!.VIK\5YISSIXX!/?ENAE"'$J!3'VI`!J*`"IK3+^G`1;<755>]-U.XHWD
M:J*?-6@!&IZX!FR#50J?'7P)RR\<`X[;PJ^7-/J>BW"8-"EV<7&MX/\`$V/3
M(4`#K48!8M\)%C<O-GGR&$R7F8TN'M-!*+'UB"TV%%)*U*=&0K6N`BNX2R5>
MBCYJ'<<ZI'0)%3F:X`BC<JHWT"!3TTC)-?C45.7@,`FW*V&5L?87Z4IHU0Y2
MM:@`A5"#3+`(ZKRXRXF/*CEE2:C=4E))I4IJE-,`K,W!`(.])KJ%*TKGXY9X
M!4;E)\12F555K\>FN`,_4E(!*@!T-=*C370X#)5VBLYJ?0E1%=NX9?O&`VM?
MIJ>XYWL1#[K\HXG8)W(.;W*?V]ML9N.[],C\A0GGCEU9,MAN3(;2^^8AH$*2
MK9GH,!O-XK^K)WV<M=RMW.O;<[^3-,QUVB\0^;W%IZ2JKP<1.A2.#.-[5(V$
M4?.=<`2YQ^KVW;N'RW(O;RSQK]'0E;%EE\L^F3(70^JEV6FQK<0AHT&3"J[N
ME,P@#C_ZO7$>9]O[E=>7\1NJN:0F(LJ$_P`/>8N,.US70^),54]\QY!2WM2$
M+#:#1*JI\`H?[F?U4^Z7=?N#&OK/&[MV9LBXX>O<&#-F7A/)9Z$,B#<9A`XP
MVA,<*D*;"DO$?4*HK4J"CO=+M7;)+S_=+D5NNO*Y_*YLB[<AD.R$19+5PF%,
MER2\MV#<E.ID..KJ5*!!'6N007#O/:RQW1A1XRPXIU:4I:F7.$^RE*3116C\
MJ;H37`;1NQ_:KMA?N-1>7W3@?'W/K$MOVEEQN&J&IA2"KZB3OMQW[PI)`3EK
MG@*K^Y_E?`>(<YL4+M3Q[C\+N):[PS,C7;CJ8T95JN;"_P`)IM<)KZH/;BK1
M2"*'`;&>`_J8]X[/%XC"YOVFB<LYE;G3(D?3]RI_'[YRBXRVMW()$H2."\@?
M8FORVVU+0?7(J0I2M<`X+O\`K2]W')UGXE9_;1Q;@R>.W^XO*>@\IFMWJ3#?
MWH5!E7!OB$/U%MD)!5Z0"O[(P$"^YK]3ONS%[1\+=[6V;E':+G5ZN-^=Y?<8
MO,9KUGN;`<B&(BRQX=FL4AUU/J++JUNG95(`-<@UTVC]1'WHR^36F[/][NX4
M]Z#(0MFVW+EW('K$ZD>4L28!EU7'43FG>-,!M8L'ZRWZDG93LOS+C5GX5VHG
M]O.Y/#9]MYJ]&XURM=SN<.8EE(Y-=)[=^1%ES(:'5I0^XT0GZA7]K`<[XYD7
M5+4J,&^H`5OW%6>0(12E/C@!F^2LO!(4XXPO+<?IPM(-#NHKZAN@KEI@%2/.
M;>*5,W>V%2J[6Y:A'()ZJ(==H,L\L`.M-Y6"$.6>7EE])-<6:4.5/0-<`CR8
M?)4M^HY:I:FB,GF6W5H(\0KTQ44P&")@A,AN0V^RX2%K+R-I*B#7-1SP#9OD
MMJ1].&EI4$[E*VD&A-,B!U&`2(:E(D-J0:$*'VG,"@H14X!\B8KY4M;G!F0%
MZ>()"200>E,!ZX]-;05)90LD#RMJ4I:00?,!L!.GPP#7G+><0M2Y"Z@D*;74
M'4U`\QS!%,!Y;)1;)12N5*$Y:C0?=@'4VXEU`*24JIY@3F"12@ZG7`&HCU&P
MRKYF26]Q-"4D$((&=,DX"_GMU?8B\/==W#<MYQ"JJ%-04U/QH<`V_<W?T2+5
MQBV-%("[@],=(<!!,>,\R@4ZT$HYX"G+DAM`-2"0:`5%"<^OV#`)$BXMMBN\
M*UH`O2O0:[:TP">F5,DN;68KA2?XB%!-*Z[@#7`!2[++EI20\WN2=WIT50T!
MH0NN?_1P`D2-(;97ZZ$>0I"&4U4O*J:DJ`S`TRP!DPTD(+;JDAT9(7F"J@.V
MH(S^[``H"V'%MN()0%44""*[30+`Z@$X#9=[:>3-WEEZ0E:RY:N+\>L;N]0.
M=MAQ(*2%5/D4(1(TRP$O\UO`D3>+0QUY.7SYMU0BV7A((TU#F`;'NEG![@G&
MFR<CR:W)H3X1)_\`5@+4]OYX:L%H2/X;=#3D<]OTZ=/V#`23^:CP/[__`&L!
M_]#D>E3'5;_74"L+0C>`4@D;L\U$FOC7`-LRTM,E=1Y0FF="10_Q=-/#`)+L
M]Q7^(UZ7X2Q\Q(*?+YC5*=<!'S\D%]Q`&UM:4I7U5D5"J3D!DK`+W`;;'G7M
M^3)2VINW,?4)0XD%OUBX%-[Z]`&S\:8!^7FDAY*_J8\EPN_X9&U2E*.82HK<
M-%4\,!"/=.ZB-?V'TH2T&H3J4M@TV*2XD[0:BA3]F`BUJ>HM(W54Y3>HDD)*
ME9JV$DG+`9?6;%@A6T@#,*WUK6H'RY8!3BW-IZB'/PW!4_,"%=#K0U%=,`#=
MOHGV2F04!0!VJ\JEC(5*02*GQP"'9;)=;S*,*U0I=V<6*-M0XZWGJ`FA*4;J
M98"7&.SUYM<-,GE/)^/<.;H"8-YG.(NU!\Z40'D1`2FHJ/4ZC`(SRNV5F<2I
MZ=R+F"\P4--0^.QA0>927R_R$O)42*#8FE-37(#)[@6V(WZ-AX38("!3;)GM
M)NMP"16A5*:CVW<?-F=HK@+`=L.?=\."6R9W-L]W*^/%I,*19GIMQB,W%"U+
M<I$91ZS2U1"W0G/9Z@RSP#T'OLGSV_I[[Q%N0RL@K>;NBBZWK0I#D%85E\1@
M)0XY[@>W7/([=OF-P8;NJ#,=BMN+*Z@I+:E*)IM%<\`ZHD/CEJEJMML@M)L;
MNV9<G8@:0F:YYRPT@(1Z:E+]5P^:M*8"JWN:[S6V:)W$K$RAZXR9BWK[<4.H
M+#`8!3&@0TM[EJ2RIYP**E#0>49X"O\`(]P/<2?PF)PF3<MT&$VEEJ;ZDH7!
M4="0A##KRI"TK;0$B@V@#`06M2CF:DJJ2?F/VURP$J\3[O\`<;BEK78['RV^
M6VU.)*3"C7&6S&`H4D(9;=0@`@T^S`$^.2H-WY?:AR.Y2(S$V>V9-S;"7WF'
MEN!2'REUYD+'J#S56DYZX#;;,X/:.06>V6_D#KB[BTP*W""$;)BUH2!<8ZG0
MM:F9JAO!J:99G4`E6_@7>".;+QU=YXY=^+V14A$-R]0)ZK@TR[L2%26OKG67
M7FTH&A1G@!E=E.W%AD%WD%P=Y#>ICJIAD%B*W$8<?.]T1VW7)+C3841Y=Q^W
M`/?Z#L9;(<<2HMN8G-)"5R?2MQ4BB3YRH[%&I^(P%H^"<DX3QGV0>X[F+EQ9
MG6^?OXYQJ*^J.@LDBX?6,0W"ZXDM25LMJ4A`'R"M:8#F*?\`(NOIA/0`=!TI
MD.F`#+F?B-0/`DUH?A@/6MI55:@*UUZ>`UTP'CCB5J(2!3Q`SJ/`=*]<!\A]
MYHI]%UQDHT+:BD_?2GA@%AKD_(&$%IJ[3PT1FV9+I0?M3N`.`'1RF:I"4R8=
MKFII_P#51%.JSUH5/&A(^&`7K+/M%RELHE\:@T3F3"<1$*U&@-=T.3IX=,`5
MNAXS'N$IDP;S;-K[RD[)[,M*D%Q>W8W]#"HDC,9Z8`MML+J#Z7(I[2S4^E,M
M3:6QI1(>%VSIU.P8#Y=A:>2E4?D''914C=M>DAEU(4!1!2"_18T.>N`35\1O
M@/JQ8R90`"A]$IQ])!TIM917_7@`GF+Q!\DRV2FE)U+C3B:`5SH4@X!;X58>
M4<_Y99>&\0L\V\\DY!-;MMLMD%AY^5*E/N)2E"&66W7E[=31)H,!V(>P[],6
M1[8N,V3E'=N+;^Y?>#E\.W.V;MTU:2;9Q9F7&CW"5.G+FIF3GA#D%N,I],9G
M-S,#=0`M^^;],?BEPML7GO(;984NW:=*?N%NXI:6(,VP+GMR)KY;>=:DF2TR
M\?3)*&<PDY:8#4!%_30[??S!'E.<JY*NTMR%K;BS+7&])^CA*8SDCZK8OR9'
M\/.F@P$3^Z7V$O=N^-3^XO`$R%P;6%3.1V%ZV_3KBVYU#KQN-O5%WH0Q&>2A
MHH6@`!U/GRHH-82LDGS5H*_:#]^>`P2"@MKK4'QSH:5/[,!BZ4EPI/PHH'J!
MGG\<`1D-J]-Q*2G,[AK\VX$GX$U-<!X#]2T@%6UQ)"@M.9!%4FIR.8.`O![2
M;>\Y;N5OI=;CU>B4#@)"@'9F2<TT&6`G/D"DR>3<4@M/I2]^;R'0Z14$IMT\
M+-`H$M[EY&OA@&Q[F&Y;7$N.(DNMJ">60$I+:U*))M]U(UI4`#`65X7=@W:+
M<@+R$1A(\V0"4)&8KD2!@)#_`#9'B?V?_CP'_]'D2N;@*4J).YU1J#GM`Z!6
M5?FRRP#$D/CT%MFA(I19.8H%``:Y8!OS9BTJ%%4!0\!T!(].@%5=*FN`:@<_
M%(H,P!4Z`[C_`%X!Z6KU[7Q^5<&24NSY7I4H0/3C-%22"""H+,C]V`07[F\X
M0H>52%5W%1)_;E0"F`C?N3/3.=@/&N]T2`LE05G5DU*J>;->`;$!2%QZ.*J`
M!1"J;0!4$C//`)\N0PRJC2MZJYIRH,CH03_1@)/X+VAYAS&.[<EJC<:L*`AU
MZ^7[UXT(I)6$AEST@V\<B:;DY8!WR%]GNW[OIQD2>Z=Y:4I#CSZ(-KX^TM!^
M9I(/(')J'"2!FUDGXY`V>2]Y.:7V*8$-R)Q:T!.T6CC#<BW0E)\H'JMB0I#F
MRF7E&IP$4-H]9`6ZKU'%$DN*\RC76JB:G`>J:WK9_LI&Y5>N@_?@'A8;4[=;
MA#ML=O>_-<2RD!-:J()Z`D@TP&PRPVB;P_EMVX'<&OKYW$7U\?XQ:UM*2V^D
M.+:=NCT=16I/J-P6\D`[BKYLLPUN\TLCG&>3WJP./-/?E=QE1/7:J&GPPXIL
M+;).;9I48!LI6IOS)T)HK+,`$YC/K7`/RT=PN4VJ`_;(-ZFL0Y`"5L)D.I1J
MH@H2EU*:YZTP#`?>6ZM2EJ)54E2E$[E$D5)J3G@"R12M?V>&9T^!P&6`^'3K
M]O7^O`>U-:]:U'P^S`7+[/>[&Z<)L,#BG);`>46ZU;46FX)N:X=QMT2FU4&K
ML.X(?A42G\-):'E&`M2U[O\`MW=;,^^[&F6]]AKR6MY$1TUH0!#69#!0DG4;
M#3+`4[[A>XR_<A4]&L3)M,(J6`_]0Z92TYA!W->BEL*'3S?;@("?Y'=9ZR]*
MN4J0ZH[M[KZU9G,E(4HG7XX"5;5W4YE>./0NWL^]SW>*-SOJQ9FGWS&^J4E:
M52"PIY3!<(6K/;7/`&7.W+'*1-MUI6E,^/`F7*WK;;#OUGTRF@[!=2BBDO)]
M4$$%6A\N`K>I*D$I4*$9$'Q&H^!!P&80%4.8%`#XU\?#I@,5I4@IIHKK]U>E
M,!A@/CEG0_U_9@`TJ\Q210;B*TIUZ#J,`_.+LI3*222KRBGPJI!\>F`5N?VY
M/I0;FW0*VICNHIFH!HJ2I*AX>G2E.N`C`@^-,O\`3K@`G$BB:5UI4>%.I^.`
MQ:!!5MRH?*2/-D3IX8!49N5QC@>C.E-T%`$O+2,A09`Y8#=?^C3969//^[O=
M6Y71I=Y[;\$CGCL1U(7+,ZY\DL"USHKJW@XAQAF$I'E%3ZFHT(=DW;+EULDV
MSU.V$9-SY'=;=`3R[FE]4AY^PRIT<2"Q]+#2IV3,1(2X5%R6R4ELBAK5(.;B
M=UXOR>'R3B]P8E<ND6U^9QB[<EDQ&?H9TR*\[$DS82U/SE)2Z_$4X4E:B`H5
M)UP&L;N%VQ3PKE-_LT&6]=+:U*E^DW$2`RB.N4Z6V7D)*T(4RA"1E4$]!@`I
M$2QS>$O\0NUOC2YW*+1<+'"LZUMO7&4ER%OCH2TMD*4$-L551*A4:8#BGYOQ
MUSB7,^8<4<4EQ?&.5\CXZI;9*VW%62[R[:M:"4IJA1C5!H*@],`V'%``=*'+
MPT/F`&NF`+$A1J/VC0Y?T8`-:T@$J*<@*@D#+QSP"<74NN^A%!6^\H"C>92<
MU%9VYD#`7N]ODB'Q2SWN(]=(SZY,.%*W%8;4EQ!/UB2GU%^5I^10'J!G3`?0
M>XUMO?=SBUKA/?4-LJN*@^A:7(Q=3#.2%)6:E0*OV8!U>Y"\H=L7&6UD`IY5
M$5L)T*85R!`!K3:58"UW$941ZR1%*BM*48S)W42#FD*"MQ2:UZ_'`.3UFO["
M?_5P'__2X^KQ(28[2PKHK<1X432N?7/`1G/G`(<2DDD':2A7R'S:YFF`1I,L
M/A(2FI`(`&834#/>/&GA@$]+3M:J4$YC).9RK7S9>/A@)#NT5$7AEE6A7F>=
M*UIK3)3#!"MV1)&?3`1P^\$I(2"=2<J'('+[,`Q+["DW53;J?PXT!#RG7MJB
M*J],[&\Z*51'B,`G<;XY?^:7>-Q[C4%Z?,>"BEAI+JPV@;=SSY:;<4EJM!7;
M2IP%M%\,[?>W"-%N7,&(W/.=S&J1K-ZD5B!`4@(6MWTWV)TDH/K)"7:)J`?*
M*X"N//NZ?+>Y$\2+W,V1&RM4:TQ5/BW1`O8"EIAQUP`E*$@D4TP#&;K4;CD!
MDD"@)^\YC`>+6IZJ$>5`U5\?#(TP!M"=M$@`!*:"G7Q^S3`"M)JL"FZ@`(I7
M2M:C/+`7)]FG;]SGO?'B\9:"8-H]2[SE%HN)2PR4,T74;4A1?R)\,!<;W1QF
M^#=\&>:V]]#+_+FY=AN9+8919IMM,1:9B7D.5>$U4ARA/IE.S^*N0:[O<99K
M3];Q[D%C4A<6="7"D`A%!(A-0AZV]KRD/%U1SSRP%:`11&BCU"1\-5',U)P'
MBZ-YI(KG7:023\-,`5)*JD9:YT^WY<\!X`<B3H!0>&6>`$.@RID,_&G4?;@/
M*4^X_?U_HP'WQ/[<!]N(4*4KKG@#"'UI.1/C1).9I7/7`&(RERI#<8Y!Y6SK
MDHZ'/H,`HW6SRK,IGZE;:D/)*FBWNK3(^8'K0^)P"GQ5]*;S;BXE*T+?0G;6
M@"5&E2"#0@G`6BX9)5PCNY`^LG27(;DMD+4IO=ZB9!6E)55]*74.`FBLOLSP
M#L][/MK;[67'CW<+BS,MWB_/HBI\]!A^G&LE]>2V^N`EYH>BEJ1ZKA:20E5&
MSKT"@5""*G,`Y=``.IZ8#&I5Y<Z`FGP.=!\!@,>HR`SKGIG_`*L!]M(UR^W*
MOV>.`Q(KX_=E@'WPEQ#DQ<9:D!P@%H*50J`6D4`IG2HP$G\XL9E\;0XRK:]"
M5]30HR6UZ2T*;30UW!2P1\!@*[4Z4RUTP'FJM!0#]_\`H,!BV/F(S\RLJ99*
M/[L\`+3X*T\*_P!66`M=[:.YG/.US/<^;P>:]"D<FX1(X],6!)(90]>+-/;E
ML&-(8+4UERW!*%G=1"U"F=<!;OL[^HI[E.S\B[0KQ+?Y1$O<.PP[Z!>+M;ID
MIFVJ%$2GE_F*9K\A`7O"D)!42?A@+Q>ZS]>;N9R+CMFXE[<^`QNT3T6!&C7F
M_P`BZ2YDU7H0#&7&L\&U,6`VL(D45ZBI#U4H`V#4!KBN7ZIWO2Y399%G>YA!
M::DQDQY-VB,<@:NCA])3;DM<H\A<"YCI)4M9'F42<!6'CO-._'+G[VS9^Y?-
M5720B?<9+#UVN05>%R'PN<&/3D+6N1)==WJ20K<`23EF%;I$ZXJ6M#[SQ6AQ
M:5A2EDAQ*B%UJ3F%8`MZLDT/J.FIR\ROO_9@%"+<)T0A;3M3F"E>Y8.?4!2=
M,`L?S&IUM*9EFL\JIJ7%1O3>.N9=47=?LP&;=SL2U`KLTJ&NIW.0;BVVDZBB
M6_RX9?\`.P%C^U[/%+O:9")4ZZQR4ENDF$Q-;+7JKVI6XJ9%K3:GIJ,`[G^W
M?&W51U0.1VYLE9HEXLP5CRJ(],)=D44BE/VX!!Y'VLN3R6G&)RKN&'VY#1:>
M7,(56I<31L;=VX@_;@+8<7[@S;':+>U<>/W9'I0X[*W$MJ]-3B6D@JJM",E%
M)/6@\<`Z?^,-N_\`VV;^Q&`__]/C*N$Z=+9]((;C-)WE)0%.NJ!"111'I!O:
M!_>P#-?BJW+*E%W8`234DD[J$U!\,\`7(`H5'7*@(Z^->N6`-MQ75A54;`$D
M`K33<3X:9_'`.SF4@1N+<<CGS;4N[1D*E#,4$A.>0_UX".;?!_,0\^ZHHBQ4
MI4ZH"I6I6\I:020FJDH5GT\,!XMMR:ZQ;XL<NO3%B+'CMBI<<=.Q"$H`J2HY
M4`P%X#8[7[4NUTBX,1&KGR2X*B1IDU;2(ZKC.")#K;!("G1"CE;E`5+/F&F`
MUK7:ZW'D5RFWF\2G9=QGO.2)+[BE.*6XM140%.*4O:"HTJ3@""AF*`9`5Z:9
M53XC`8EK<2%%12>@']!K0C[L`,`E```"4@`:YG]PP&0(RIX9?NRP!NWI;WG:
MD;E@'=6M?L/PK@-TOZ=_;:7QZSWSGTE='N3L6^#;&0TI"FXD1RX.27U.J-5-
MR!(:(VBF6N`D?WS<,LURL5OOBKNPW=UO/0)%M`;<]1IUN.KZY+?JH6A^.IB@
M)W5]4Z=0UN]XN,\&D=N;:W8+M)=GV%MM*4RVHR%21Z*&W2I#;[BD**F@0*FF
M>N`HHLA9.6P=-J?MK7/3+``K;33Y@033P\<]3E@/-HI7<-/OSZ:X#XA(&M3\
M"#2G[-<`+N;&8%:'Q%3]N6`P)!`J#]QII4'H<L!AE30YG(GX5TR&`Q515!IE
M^\95/VX#W`'K=_WZ.H#(.@T&1T4?C33`'+Y<7;E,5N)V,U::&[<$H31(V]`,
ML`Y.WGTD7D]JD7-!7!:DH=?;3M"E(20=5@I`^XX#8;+3P'F?->&<PMBWH-OL
MWTL>^0'T1GTO(:+1:DQ74+92@MEHA6Y)^;4=0V3]RK7Q+O)VSN]B1.A7NS7B
M&'$(8>8?-LG(:<^DDA0#Z&GF0XI(\M0":8#G'[@\1NO`>573B]Y94W,MLAUG
M>4+2B0TE:D)?8+@0I;+NVH-,\`QE"AUKX_;@,DK*01T/^GB,L\!\55RU-:@4
M\*ZYX#/:!D1K_P"G+X98`-)4A04DT4A0((U"AUK@)\XMR17(K#(M4QQL3H<4
M-HJ=RWXR4!O>0I>XK"@FO0[L!!,I`;D/('\#BTJRH`I*B"!\*C``5^S,U_IT
M^&>`];`%1XU/P%<\QX8`RV`J@Z&A\3EX_MP$^=F+@ZU<;S8VPV5WVW".RE9(
M27D2XA2$#/<0@JR`TP%RV.QUK?6[,O-S6I-X1&<BN0V4"`B1M+CC#Q<6=KGX
MA&52*'+`%N==@.*<N+<!F.[Q2Y6MQ<1Y0CLNB:6MS1<H$0EO,.J;W(.61TSP
M$<*X1QCAP<MGT"G)C"4L+6L,A*RT"A3B1Z(4G>M%:9_;@#*I5AM=K_,67&K;
M+@,N/M.LJ;0ZET-%"2#^&2I04="*X"@MU=,JXSY9&<J;*D*IXO/N.$@9T357
MB<`0IIG0'QZ>%?MP&-,SI4?^C`?4H!I]GA@#L)A4AYIM#>_<L)I3-5=:"AK2
ME?NP%I>*0TVN,J,TG:EF,T#7)971(7N`H`0HGQP"]*5O1#W"M9)`5KM&QWRZ
M9Y8!,Y$E"&7=OEVK0`0`,ZY$&N0.N`>UDNMSB0("8UQF-`,,U#;RD))"`#0)
M5XDX!X_S#?O_`-WE?_U#O_MX#__4XQW-F=*USIN_TUP"8O9N7ZN[T]@V>A3U
M.M?A]F`#3]'L_P`MLW;1\FWZFE#3Y>O^O`#)V[QMW?,-?FKUV==V`"[A5_*^
M.;-VST9&E:_)#K@"*_0_(K;]'M]#>Y]12E?7])C;OV^6M-VN`<'9KZ?_`(M<
M-_,*>A^81_IMM-_UWUT/T:[\M*TIG6N`F[WM?6_E/!J_4?2_F?(/J_5K7UME
MG]'U/X:_/2OQP&OH;:"NVM!6M*Z98#W*G\/6FE,!Z-.GW:8#[KUZ_9T_?@/%
MUIE77I@#<3=ZK=*[<_V4%:?NP'0)P'^</^$-B_X;_1[OR>W_`$/J?4;OI/1\
MFSZ3_K:4K3+`4OY__/E;C^;^E^9;U_7_`%7U/U6_<:UW^;YO'`4EO/YIZKWU
M6[T_55OKO]&M5?)7+;@(!>V^J[Z?R;E;:?V:_#I@`54H/FU\U/"AP'PT&OWZ
M_?\`'`>X#WIG6G3PK@/NH\:YUTUP'PIUK3X8#S`9)KG36G]6GQP!J#7ZQFM*
M^H=/L5@!AZ?JKI2M5[MVVM=PTZTP#KLGH[U[OFZ4IIUI@):LN_T_P/J:[54V
M5V5J*UIUP%@^UG_$#UU?R_\`7UVIV^C]53U/^J]7T\O2I6N`A7W3_P`Q?S!:
MOYO^F_/?HU[_`*3UMFVK.[=]1^)K3`513MKTTSK3[J8#S*G6O[L!Y@,_-0:Z
MY:[M#^[`>'3I7*O[_P!_C@''Q'ZG\_@_34W[COW5V^GENW4Z8!.O7H_FUQ]"
MOI?6RME:5V^NY2M.M,`EX`5-:'PSVU_UX`Y'V;L]?C_IXX"1^W>S^:K%ZWJ;
M/S%CY==N[S4KENT^_`;9+;Z'YA<ORCU_Y?\`15^8_F7_`'?_`!!7T]GX6ZOR
MUZ5P`#_YO^4S_P`NIM^F/Y5]?O\`7]/;^!Z6WIZ5*4P&O;F__$3ZZ9ZE/5]9
M[UZ?5?45WN5]2OQUKUP$07C^8_IC^9UV[?-N]7=H:UWY5\?C@(Z=W[\]=RO&
ME:YZ],`"-^=-VF=*Z?U8#PUZUZZ_OP'HV]:Z9Z>(I3`/S@GI_G#/_:[%[--N
MZG\-,_EK@+!6WU-TK3=3XUKN&[[M<`=<W_Y'Y*?4.;*Z?([NK\:Z?#`)O)*[
L'MNF\?+\NZHW_P#K8!RVS?\`00J[J^DW3=K38*5K_%3]^`<'XO\`INP'_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>g90582g02z71.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g02z71.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0EX4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````,````-@````&`&<`-@`W
M`&8`.``Y`````0`````````````````````````!``````````````#8````
M,``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!ML````!````<````!D`
M``%0```@T```!K\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``9`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#M;?J]U+J5EUO4NK9F./5M&/CX%HQZV4DEF,XOJK^TW7^ELML]:[T_
M7_P7IIB[/^K^9@LR,^WJ'3<ZQN'^M!GK4W.%CL:UE^/53]HIO<W[-:S(;ZWJ
M>C=Z_P#.UK9SL[&Z?B69F6\545`%]CI@20P%VT.VLW.]S_S%RUG6OVH<*WJ1
M;@8^/B4=<93NTR?T?J^C]HM]-E/[.R]K[F?I/5]3$L_1)*>Q27/]'^M8R[L;
M`S\<XW4K\899J9N<PU.:RRM]7J,JN=ZFZVKT/2]:F_%R*_YOT;K]*_/KNZ)9
MU'"M/IV8KLC'N#9.UU?JU6BJP?V_3L8DIO)+SCZO_6CK`ZA@T9F:^['LR,9^
M47L:XO/5<,96'C4O:S]'C8F?7E_]:^ST_P"#7HZ2D=-]-[/4IL;:S<YFYA#A
MN8XU6LEOYU=C'UO_`)::K)HN=:RIX>ZA_I7`&=K]K+=C_P"5Z=M;_P"VL+ZL
M]<P'M'2K\O'_`&N[(SG68M;O<#7E7>I[/S?I[V[_`'W5^I=7OKKM6?\`5SZQ
M8@ZIU"[J.51B'/QL3/%3[6-8;!5;C9MF)N=^FQVU]/JM]7W_`*#T[$E/8/>R
MMCGO<&L:"YSG&``-2YQ*<$$2-05A=4=C-Z3UZNS--_K8MF6YENK::+:7T5BM
MM;'?JV[$OL_F[/\`"?3_`#\[IOU_^KM'U:Q\R^YP?1C4^I0*[&N=9#*GTX?V
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MTM[6-^RU-%9I<S8T,C[,[U,(?H]OLQG_`,S7]!B)]AQOM_[0AWVGTOL^[>_;
MZ>[U8]#=Z&_?_A?3]7^6K"22G,ZC]6N@]3HNHS<"FUF18VZXAH8YUC/YNYUM
M6RWU&M_1[]_\UOJ_F[$;(Z)T;*HKQ\G`QKJ*6AE55E3'-8UHVL94QS=M;6-^
MAL5U))3GX?0>E8.33E8M)KNQ\1N!4=[W`8];O4JIVO>YKO3=_A7?IO\`A%'/
M^KG1NH8V-C9&,`S!+789J+JGTEFW9]FNH-=M&W8S^:>M)))3C9OU3Z'E=(9T
MH8U=55%;V8EC6AUE#GC7(HLLW/\`M'J?IG7?SMEOZ2Q9MO\`BYZ39E79[<K+
MHS<NEU69;19Z+;WO!]7)NKI:QVZRW]/9CU658C[/\`NK224X_P!7.@7=&PZ:
M,CJ%W4'T4LQF%X%=3:ZY],4XM7MW;-C'77/OO_1_SJ%TGZJ_LRVHLZIG7XV.
MZRRO%M?7M<^TV/NLRK*::K\S=9<^W]8M?^D6ZDDI_]D`.$))300A``````!5
M`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-
M!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("
M`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`#``V`,!$0`"
M$0$#$0'_W0`$`!O_Q`!I``$``P$``P$`````````````!P@)"@,$!08!`0``
M```````````````````0``$$`P`"`@("`00#``````0"`P4&`0<(``D2$Q$5
M%`H6(2(C%R0E&!$!`````````````````````/_:``P#`0`"$0,1`#\`Z3NO
MO8YUY$]07GA[UT\4#]-[XUQJNG[+V=M/:FPV]8<]:B_[`,=Q3JW8Y/\`AH*M
M%HG(5AR18C!Y2-+>&9=4UAS#3JD!3Z(UQ_:QN5+7;7>A_6=J:]R-^GF%Z?M>
MO[;,P=;UYA@8B#E@=F4ZK7YZ<FG#GWA?UK\>U\!1VR'#UO/*':"1)+V+^X7C
MJ&8M'??K'INUM,UV6P#L7H#@C;I.P#ZQ4@R,KE]H%<^6:))OY==B:^"3($X0
M2)^/DA"L"Y_*?`W-T/O#672VF]:[\TU9P;EJ_;-1B+K2[$`ZTXV;$2X^'DLE
M-M.._P`*6C",."G"KS]P9K#K#N$N-J3@):\!X#P'@/`>`\!X#P'@/`>`\!X#
MP'@/`>`\!X#P'@/`_]#N#J/-^J*)OO</2E5AY:)VGONLZUJ^UC6K/8G:Y:1]
M2"SD;1YAZG$23M9#LT9"SJX]4@P*T2\$RRTM6<(S\@G7P/&\RT0TZP^TV^P^
MVMEYEY"7&GFG$Y0XTZVO"D.-N(5G"DYQG&<9_&?`P1]4Y2N?^_O<)Z\8*.D(
M32VF]T:6ZIYZ@%P4A&5RN5CLO6F=@[3K-#(-E3AFZ)![>C9!`80+3,>)(.2'
MTX1E2Q10WR\!X#P'@/`>`\"O75_2^O>..==L=.[7#LQVN=-5G-MMXU.`C92R
MJAT2`,>^Y%1\O,0$<4\.L]+BDN&,_P#&A7QSE7X2H)WC)(&9C8^8C"$EQLJ"
M))1Y2$N(02"<.V4(0E#J$.I2\PZE6,*3A6,9_P!<8SX'IV2;'K-=G[(6T\0+
M7X64FR6!_A_(>'B@7SWFF/M6VW]SC8^<)^2L)^6<?G.,>!!7'W2E4[&Y9Y_Z
MFI,>1#5S?6IZ7LP2OF$Y-.JQEFA13IFHGGX$`:D)"HS:R8U\EIE#!#PJG&OR
MVI.<A8_P'@0MJ?HW1.];!N"JZ<VM2=DV'0.QCM1[FBJC-C3!6NME10@Y<K3;
M'@92D#347E]0Y3:5+P.<.2(YE)0A++033X#P'@/`>`\!X#P/E_O(7]U_C?[B
M+_R+]7^\_0?L!/W7Z7^7_`_<?JON_G?J_P"=_P`/\CZ_J^W_`&?+Y?Z>!__1
M[^/`^'9[)"4VMV&WV8]N*K=5@Y:R6"4=;?>:C82#`(E)4]UH5I\EUL,`5QQ2
M6T+<5A/X2G.?QCP($%Z_YYE8'14[7MBQ=B5U'JN8W'S3!@-D`V'>]+AJ76]A
M/9UU&6%J$S(6`JHVZ.-8BR5BGN,$*7EI*!R5,ACYZZ,]!4/8'M"]O7LIU1'\
M65C>$/J(JD:\N-R5;+EISE[EC6MG;*E+S#UIF3'AC+*1,NRJXY'VSKLQDUK`
M+#.0$DAM7SSTKH/K+6,3N;FS;='W1K":()!"N%#FQIF-:E`4LK/A)1MO*3H.
MP1R26\DQYS0YHV'$?8TGY)_(3?X#P,2_=[[3ME^I[4?.VY:7I2-W#6-H;Z-T
M]=F#7BOV(9LIJ+9-HUY7ZP.'.PC@\];+Q6!LNGO)/'$AP#T8$=*($4V&1VHO
M<OW=R]P;W/JGJ'-7Z9]GG*O5<!R1IT/5]`MES#W#LO>M4LNW:/B:`K<92Q)P
M/7E7JMPRXH`")0F&J3*'D/D/8(,#I\X9Z#<ZPXTY;Z5)P"B3WAH;5VR9]F,"
M=CHT6T6BH14C:@8^/?D)9\$$&QNE,M,N%$.-MHPE3BU8RK(6I\#*'W?;P!T+
MZP.IK"8X0E>P*O7]"",CQ(<Q@U?0=RKVG#PBA9!2`V8\B#N9>""%9^P=GY.,
MX6^EI"@U:99:'::88:;888;0RRRRA+;3+3:<(;::;1A*&VVT)QA*<8QC&,?C
M'@0E?-_:MH6Y=(\^78\J/N_2D;MG_JMDJ*>(K=ID]0P$':KC2WI;&%B#6HND
MRYDP""ZG&#8N#E'4JQ_$RE88\?UWK)-1W+?5W--@EZR49Q9[*>WN;8J`JPC8
M<;4ZU$[8*O@T0%\0(QTR%59;W+.1KJV4?6!EH9*6T#I:;#6'LO/2^.4NA/\`
MXU9K9'4^=3W)&AVK8]%CPN=CN1!"*^I3T\XU6T2C9"OE'_M5)B,R&&,'YP']
M^?`]?BA/2S?(G-C79`L.%U0QI?7PV^V(27B)T7.S1JX"Q9R#).N#"U5^P&'-
MY>E40WW0C,FX0W'$$A(8(=#,#UESU>`]H7O@UO@^+:MP_2',&QWX(0R.((Q6
M;AS!4P@)AUH$A[++A4K"E8?0[A#S;JL?9C"E^!N]X#P,-?21-"S\Y[FCA#'#
MFF/>5VG"K>=20E2"JWKOG.NFAXP4AMSZXXR+<'1G&/KRAK&6\Y;^.<AN5X#P
M'@/`>!CG;YDZ,]^VBHL6/FC@;/ZF^C!I=<8X&F,C,P?67/$E$3UG9*D0G'P0
MG'R8X18[1A+)<SC"6D,/%/-A_]+OX\#G[_L+=K7+BOE$LF3JD#:N=^F-4]5<
MI;,<E(2PO.5;:>U>>KB_H&>E+)5KC!V&(I)U@K\E&3#(`)!SXYOR%(',0*ET
M*K;^Y]W%LGT9^H/KODRE?Y/U7Z[-!\&]B:7H8[LX7F_5>I\]4%K;.EG8JOH;
MF;1%WJB/92['`K"DY)4<V,*0VM]33X4<]L_]A?UV]U>JV?T-K&8M&=Z]*!ZK
M_P`MUQ:Z-L+#')YM&W=K2US]XW#.P$`N,F8_7<S7<'1[$4J3:G%#-(?&^E]0
MK@2MU&W7N7MS\TE^O#<6GK/=_<#J:\\V=4\O<F3L1,ZPMVV;=SY88ZL>PG3-
M'HA*9G6\%K"\1S[]MGP(Y+9$#APAYG$C@IQX+F3/MQ>T'_7DY\[^U=8]=SNP
M]94?E;6ETHVQYV8F)2T;#I-SU_K??FDBSLCQUAC-MR<)"SV<$%!.K"3\I'+3
MPZ4$*#I@C)..FHV/F8@X63B98$23BY(%]LD*0CCQVR@C@R6E*:(%+&=2XVM.
M<I6A6,XS^,^!S\_V`PR)`CTJ@DCQ)M9-]]'KZ#FP3QEDD&$$KVDR$.EIS*H]
MZ)>CU'(+;>0I3BE,X3^$X<QD*$5SG.X;'_MF=*5795B*SH$;1.HO8M5]9.P+
M1U7V%LK4O/NM^$J;)6`F5`%RLJE9W+;BV<B/&A_G+;3J/N6O(P7U_K`7#9TM
MZF==ZQV^R.%>^9MR;XYLEH;)PA4W6O\`K:_&NMU2TB`Q4>'$SE7_`'N0$LH?
MDOM!'&)44I9"F60W^+L,`!,P]<.G(<*PV$>5+@((N3"'F9P6"2$N;)AXMY]!
MTF/#)D1\E+90M(^'V_LRGYI_(9G^ZW4SNX?5AVQ"Q]>B;/8Z3I&R[MIT3+Q\
MC*)?M^A$L[D@$1@,0E4H3/$&4G#`#;.4J=*=0C*DI4I6`Q6!_M/P^SS-)[1Y
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MA7.JX6%JUPX<Z%@M5?J1)LJ4F;)KZRZ[K\U7MAS([\>".`J?NX-F#99'4ZAD
M>.:0YG+GY=>#DZJO3_MPT_\`V'/89KGF7@3FI[='1=1K%HGZUL;8D_6*Q:^?
M='3IU)U)TG$WB1V9#QTC)6ZK66-'G@H>-??=-&7\(P,D645D+==N_P!@[L_U
MXZ9W;HGNC2^A]6>QJ]:OC+UQY`\Z25UVEKTFK7FQ&:XCK9L1NQY,B8R4JMAJ
MMDD!4)FR%22P1Q7(MMO/WEA;WT?]][>JO/W/?.7M)W+<C.U^HME725XYI6PX
M%5HW[MKE>.UC4K92]D[#K6I8JXNZQ!91$6C!Y]U.9(:(ACL&GN/COX;#,2A^
MX:J^D/MSW6ZD['H&QA`=O=FA=9<JZRA*\^.=M>+W?9#ZQL+85;LB*V_5AZZN
MC5F$DGBI&9;P^3$O@"CYD<&(0'5KU![(>.N2.;V.GMM;PU['T2RZI/V[J2+'
MM]>7;-ZUQB+K,C'(TY7U2&)"^*E7+Q!-9)`0\$"F9%?,>'&<^[`1[ZJ?9YIS
MVS<RR?2^F*?>*#$5W:EJT_::A?VXS]Y"V^KPE4M2TMFPI9L5*1\A5KS%%MO,
MN9PA9"V58PXTOP+?Z.Z/T3TM#WBP:#VG3]L0FMMH7'2]ZE*9*(E0JSM&@.AM
M6VFR+[:4H3*1*)(5[\H^;)`I3!#*W&'FG%A-G@8A^Q'W!S/-&[JUQ-Q9R[=N
M]>^K=$JG3-(U&2-I51TW3Y&)&)K^R-Q;#/KLA7XJNGF2@RFAU$@CN,H=P7)1
MBEC*>#.CAF"]X>\_=)K+K3V%<=0O*^J]>\=;/YU+9U5L6AVO6TE_DEH%V6$[
M).06X-FR\O+6*QL1>'DM/.`L+@!,Y0T^VZI8?__3[^/`I-[%.):%[#N.=X<G
MWU<;&IV93986DW"2@V+%C7&S10"G-?[%&B'GA%'/5*Q*9(<9:(%?(&PZRV0P
MIS#J`E3D;1I',/*/,7-1=D9N17///.EM&DV\>+7!CVHC4VMZU07K(Q"NGRCD
M.S..0&2DBJ*)4.EW#>77,I^>0]4/CODZ.G=P6>.YKT9'V+H*MR-/WE-@ZMI8
MDGMNJS""6YJO;",'AFW[7#S>#',FCF9=;,4KY/86K&,X#-;A3^OMZY_79U)<
M.M><JKLX;8,[&SL)2Z[=]B/6^C:8@[.T@6?BM8ADQ(MI<3)@(4,HJQRUB/:&
M=<;:(;2XOY!DQ[\?1SZL=)^O#NKM+5'*$31>D(L6*V)%WB"VEO-B%BK9=]RT
ML&RG1>L7-G.ZHC031+(:VW'L0;<<(E[&!V&O@W\`ZBN,`KG&\><GQVQV;$/L
M,#FK105]'M^3\VQBYBZNJS%H9M&97*I3-B:G&WTF_P`G.2/Y.%_9_O\`SX$]
MS=;KME1&MV.!A9]N&FHRR0[<W%@RJ(JQ0A&"X:>C4G,/I!FH@K'VBE-?!\=S
M_<A2<_Z^!Y,0$%B=5:,0L3BS*B4P"K%B.#_>J@D&+D40JI?Z?V&8E$@XI_`W
MV?3AY65_'Y9SGP(@T+S/H_F&)V+!:)H8NOXC;&X=@[]OP`<Q9)@><VSM,\>4
MO=J;39)F9S#)G#16U8CP,BQ8B480,,RC_;X$2[DX/T;O7K;E+M"]NWA6W..(
M_:X&I`86RMQ-+)SM^#!@+`9<H9J,<DYTB*"!^4>ALX49+CJ\D-$XPVEL+G^!
M^!,U7K0ZEVS7+]"J*:'>X61KMRJ(L!&`0%F@Y>M#TV2C)F-!&&&.%+J0C,8K
M"TY_\%EMC'X;;0E(46XX]/\`ZV.`K5(WSDWD^AZQOLC_`"TYOLA,7K9MZBQY
M`+,=(@5FY;:ME[LM1BY`!2FB!(HH,9]"UX6VKYK^0:0D#CF#OB%L,E"E,NCD
MC$-(?'('?0IIYA]EU*FWF7FU92I*L92I.<XSC\>!0R!]8'"M0ZRUYVS0^>Z;
MKCH+5^N;%JRJ3VMTFT*J-5.RIE62TR&MZJ5%:_D9H8.PR8[,@Y&Y,RP>M#KC
MN&`OXH?G=$^K[G3G/NOI;V"ZUF]L#;AZOJ[-;VQ4)>V0\GJ=XEJ;A)W-I@*\
MJK,V:,LCCT"TS^5S)`#0[CJ6A6U.*7X%VR=4:P,V?&;L*U[2R-PPM+DM<1.T
M7:U$+O\`'T"8EP[!)4L6VJ$S.-5<N<`:+4#A_P#CX(QES",*6O*@II[%O6#R
M9[0M.*U!TU4Y1+H$A&2]+VQKXF&KNX];RD86X^DJE6^6@+($P.<,42,2$>!(
M1SS12UY'^]++S013ZW?2_P`1>KLZY7+0$%L*Z;MV0#+0^Q>B]Y7==^W)<X&8
ML[=O)@9&0C8NK4N*C5S8PSQ&8J#CWY-P(=V0=,?90[@)VZV]>O,W5\/MFQVK
M2VF"^A[WSOL/GZH]`V_6%;M]YH4+<:U:HB(>CI0\9$LD.MRUK?-::8)'=_*W
M$MNM_/.?`PQUUZ#MP]F>LVB\3^WNY:_>VUR-:)37G#.]N9'&G;#K'0M9H&O*
M)51)Y^;K5?B[K!VQRC-?L(N0BA9,J)!`<(+&E$I=#"`]`_U/=G:_UK*Z"VO[
M6]_SG-(DA<).%T-SY55<YU.\2-O#6Q.2&WWTW38[%G_R;,;%#'MD!R!344'D
M)@Q*,#J'"!/1AZF_?EPV#U'H-R:Y[XBU/N<B-ERN@K9$UGK79@EJI"#(2`D]
M#ZWHV_:Y1H<>VQ4T^HTZYAY)98%8S@+[T(;P':AH+3P>@=/T;4(=]VAM/%,B
MWQ3=D[IN9NP=J7N:DI(Z<G[9>+:<V/\`LIR=G),@E;8S`D>&EQ(P0PH;+`[0
M<KFP?3%[U.=>K>INA_6=[.N<8AGL_9T]MG<AG1&E*_&7Z(+_`,FLA6O]<1,[
M.Z,ZW(L5-U]4YQ``CPY=8%QAO"$1+:$-Y2&M/JV]?787-%KV?TOW=WIL_KWI
M#H.ETF+MM+,B(NFZ4TWB(_\`=E5FB4^`E3JN3(14Y(%CIDXD&OQSHJ\I;C49
M4IU8?__4[^/`>`\!X#P,KO=ES%O3LGU>]9<V\VQ,#8=R;)J-69J58L,A'PPM
MIS6=CTVY2E;`GYF=KL!`3TS$5U]F/+D2D1[9BF\$Y0TI3K87PYXC=G0V@-&0
M^[3E2>YXK3VLHW;DDLP*07(;.!I4(+?CE'QJ4QQRB[4T6YEX?&&'<J^2,?'.
A/`F'P'@/`>`\!X#P'@/`>`\!X#P'@/`>`\!X#P'@?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g90582g31i24.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g31i24.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0EF4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````JP```2`````&`&<`,P`Q
M`&D`,@`T`````0`````````````````````````!``````````````$@````
MJP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!LH````!````<````$,`
M``%0``!7\```!JX`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5)4VX6%2POQV!KV-(:YI,Q$>/[K5<24I))))2#+Q*\NAU%A>UKB#
MNK<6.!!W:/9[E7/1Z';";LG=6Z6O]>S=!-9?7NW?S5GHLW5J^DDIP?V?FMK#
M:Z,F&/>QK?M[Q^CV_HW_`.=[-G\Y5_.^HDS#ZD'L+Z+RXG99:,PSL+K+&^T,
M9O;1Z]C6?X3T_3^FMY))3G-Z'BMVEMV2'-`:Y_KV;G@&Q[?6LW[[-KKGJ[12
M**64M<YX8(W/)<X_RGO/TG(B22E))))*4DDDDI__T/1VXO36,<ZAM>[:X`@R
M8(]_=7E1!Z7M=Z'H[]CHV[9VD!S_`.SM<S>KR2E))))*4DDDDI2A98RINYY@
M<>))_=:UON<Y*RQM;"]TF.`-22>&M4*J2'&ZV#<[334-'^CK/[NGN_?>DCR4
M#D/!(`J$^T.&XQ^\[:YNU/Z+BW:^U[O&"&_C6&.14DE4C&/0&[16V/A/WJ/V
M2@<`M'[K7.:W_,:[:C))*H=D/V2@$.8WTW#\YGM/]J/I_P!M3K;8V0]^\3[3
M$&/Y4>U32250?__1]';?TUX<,<U^H]I<-H`)&T.<[C]PL5Y4QU##O8YE+]Q<
MUQC:X<#<?I-\U<24I)"MN#"&,&^T\,'_`%3W?F,_E)OL[7@'(_2GG:?H#_K?
MT?\`/21?9<Y%<EK";'`3#-?Q^BW^TE.2]LAK:B?WO<8\VLVM_P#!$5))5>*)
ME)W!]KO4>WZ,@`-G1VQH_P"_(J2225))))*4DDDDI22222G_TO2CG8]K7ULW
M;MKCJUT>V=WNC;V5AU+'O#G28TB3M_S)V*%]D?H=KBZQKB"`2/;^:YWYNZ?:
MI>LV8AVG\EW]R2F3*V,G8T-DR8$25)0]5O@[_-=_<F]9O$._S7?W)*2)(?K-
MXAW^:[^Y/ZK?!W^:[^Y)3-)#]9LQ#O\`-=_<G]5O@[_-=_<DIFDA^LV8AW^:
M[^Y+UFS$._S7?W)*2)*'JM\'?YKO[DWK-F(=_FN_N24D24/5;X._S7?W)>JW
MP=_FN_N24__3]56/C_9OV@R/MGJ^O=$^OZ$_IOYR?U7T?]!_PO\`UI?-J22G
MZ./V7[6/Z=O^V:?TC9NT^E_@OL/TOYS]7^A_P25GV;UL?^FS]I=MV^OLW>JW
M^>_-^S[OH>I^A]'_`(%?.*22GZ1O^S_:F;_MD_:6[?3];;.ZOGTO;]DW?S_J
M_HO^M*61]G_:6/N^U[O4,;/6]*=WY^S]'Z>[Z>_]'_UI?-B22GZ1'V?[<V?M
MGJ?:'Q_/>E,L^GM_0?9_]%N]G\XE=Z'V^J?MF_[0>/6]*?T<?1_0_9__``/^
M=7S<DDI^D[_LWV^N?MN[U](]?T]TU_N_HOLO_@"'^K_:S/VO?]J,;?7]*=U7
M,?H?0_\``_Y[\Q?."22GZ1ROLW[1KW?;=_KCZ/K^E/Z#]S]%]GW;=W^"_G_\
M'ZJE=]G^WC?]IW_:&[?2];TYBG^<]+]!Z/\`I?4]B^;$DE/TAD_9OMIW?;-_
MVEGT/7].8QOW/T/H_1_D?S__``J?*^S_`+1]_P!KW>NS^;];TYC&C^:_1^A]
M'UO\%_.^I_AE\W))*?_9.$))300A``````!5`````0$````/`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`*L!(`,!$0`"$0$#$0'_W0`$`"3_Q`"T``$`
M`@(#``,`````````````!@<$"`4)"@$"`P$!`0$!`0$!``````````````$%
M`@0#!A````4#`0<!!`<$!0@+`````@,$!08``0<4$1(3%187"!@A(B,))%0E
M-=:7&6$V=K<Q0G(T-T$S1$4F1D<X,E)B0\-D5;5FACD1`0`"`@$#`P($!`0%
M!0`````!`A$#!"$Q!4%1$F$3@2(4!G%"4A7PD3)R8H(C,Q9#1'34)?_:``P#
M`0`"$0,1`#\`]_%`H%`H%`H%`H%`H%`H.B*-X7^9=C"=@<XOUI*8LN7>0\Z/
M-=\J0"0O<04Y,\FH(VJX)$V2<S<Z+.KJ#QKAI\EQ]S4)\?9Y.\*T+K="E^CC
MG5W^66VF$#?F+FY:Q\OS.F2)<5&FW:)DQAMA<0T[`?C:<.;=*GM1%URE_MD9
M)/&J.-[H0S*3H_94Y.(D2<YO`G5)JYG'HU8#@WYG>%V!UFV&),;+YGD[+.0+
M2+&[\_L+HF@D2;,GY[D^,I:Z.&5LMS&'/37,6N7QQ'(014F-O*:,MB)`F2V7
M$B6)(N8E+7O'/S+0929<NJ9-DMZ3IV;),6=H/"7;QG0].Q%W\A92=%S<;Q:9
MJT6/GK)!N)6.+J#G23+#"0-9Z\G:!S"4FIU/R]D@D*;YN*I#(GA$YL#9(BTT
M?/9HE$T&"%,*,>H[XHX3?7E(V.<V.-E9\3G_`)9O$V93;+U"9R2-#00:0>C3
MGD+#74_*XZ3,GS5@.DL,BAAJ=:%))(VS3;C>/1[G*&/'KK\U-5B9S=6!V5F1
M-M=,@`#XXC>QI&IMO;J%6$($`4KJ!K=3\O\`C\'.8IS?Y\/^1?+F/.V/I.ZR
M"`8XR:?BJ+/<.B$-Q&MRJ;D&3(L&M$*R,L*:75ZCSAC(AF5R03NXJS27(:\]
M%<YN,:Q'"8CHC&)8+\S?!<;Q3B%K:@3*.PC,DP1R.9N^5(AE,,MQ+,FS'4D:
M9-(,BY4-B^5W0&/Y=)YJ0-A3QQN<W038UI4[LW-@+'*74GXSU1!YO\Z&712.
MQ6S("#*7+$.16Y_FC?*?&X4HMDA03F$IF<),6WE'-\2./)*AEXR"+<T);SSU
MUGE8?L`I(=3\JX<XX#\JI%,O%/(V)5&2&>;MF&HY%\R2J0SZ#*5T=F;EY$>"
M2!\E,KQR7+B\,S">1CQV2YC6<1I:U[.)86<6FXBA4U%'C,=80A*O^<>XM<J/
M<61AC[PA>YR\L"!J/\>G%`\J&MD-71*)MJE>Z'G%8IDC^G3(DIKAI):4G.5C
M6K$][I3B74_*VE\4F/RROGOR*G'DBVR)JC[]`\016`I%$AQRN@%GF'YC\O'.
M0CQ?'H-(71\;HX9C>:P:YCE*$B*1.9U^$HN,*$!2:I.,1AO_`$0H%`H%`H%`
MH%`H%`H/_]#W\4"@4"@4"@4"@4"@4"@4"@4&CWEJ9G$R115OPTEE:]4IQ%EE
M04WL;P_,+0KFJ/*WC`%@L[.3.[Q].4XD0)5+3$05"TG?*"JL6$R^\&BQCU5A
M`)5\PT7CKGI?.(TT&9Y38XB3_A),"/1)&GO/WF#!-D\14MR*3',[JDC$P2VL
M$U4>GX]U`P\015@;@Z9A0>4?U0I#%YY%2VIS<;FG9A;X=*(6H:L9R=&F9A^;
M^.,>/93E%,@-5E2V<1A@Q3*`@4EW(;G9_N,LHD2>P$,ZKT?A'@?,LQ\HEYC7
M%9Y*&U=(Y&,3F\2:/Y!E[?'5V3O)]XCX(%%\A978H&H."`..T1X51J(Q%%7)
M6(HP9R%.G(=3\J32C(/S:FYIF3FUXSB#J_'MBPQBB+`V0B[4UO+--<6IB6Q@
ME\@FJ0\QOE<>D4EN%R<4#D)*F9B!Z#C#&8)U/RNPKQQ5SQ=%ILLGA+PD.49=
MR09'T#^M<G%T:VB[Z+FC19:YC,-4,+1-[.Z9CN2*Z*S"4BLDOIK%54EL'1"@
M4"@4"@4"@4"@4"@4"@4'_]'V'D^7<PO$A2A1BB,@5()>M:7N&%9+D0YN1%4*
MA_7*I!'VWM!R26N!$.@DF="PI'*S"Y79!)T#RJ.,-"E+A8L;\B7=VR$'';K!
M&Q`XM#S&X_,7)FF:Z0MB1RG#!*9)$#(4<.$,]YLV<MBIMG@\SE=VDZXK!`J`
M2:8$8;'(WMN<')W:4@U1BQB.3)G/?;G$E(2H5H4KF202Y'I"FY:=H5Q)@P$&
MFB*L8&P[!O?91'+4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@
M4"@4'__2]YC#`H+%KF7C$+B<<N:[+WXV[#'&=HN:^NA&E<WHSEZ-/ONSBF^&
M>IOM..+]T8KV]E`;(%!603"-FA<3:!Q8EV31@;9'&=`*.)WX[4/A#")*C*NT
M$O2CWU84_#"I'[QEA7]M!^$7^^\C?QFA_E[`Z+[)G1"@4"@4"@4"@4"@4"@4
M"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4'_T_>:FG<'6#*+23***AGR19#2`)I$
MT'C.E[<2>I<(J4$I8*YDD0)TIIAR&VU44`L0A`M8-[V#+12R+.8VD#=)8^X#
M?R7-2Q`1/+<K&])V4XE.\GM(2%)EW(EI4*"P*A$[X2!C"$=PW%:UPXR+_?>1
MOXS0_P`O8'1?9,Z(4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"
M@4"@_]3UOE^#,C.2(VXS*J*-MK>=(VEN0P9@DC04T1213>(S9:!O4N4Y=7=<
MX$F0\*1H2NRIT01H*VYZ$(CDB>]RY71%?':0,V0DT^<95'`C7O,>?Y`QQF-N
MC&T-"N&,$NCC"WXX3'R5Q#%&E_22XTU^+-U5UQNH"'<"L%P1E>422GERC**H
M;DM/(42]J`2VFEMUD2$16.X)8PQ*80@)<1C57OM'QU!P;7M[E@6]E#V3^B%`
MH%`H%`H%`H%`H%`H%`H%`H%`H%!6#QFS#[`X*F=VR?`TKZB,"0HCH92S*9+9
M2,-QEI"HXD5GOBA::"U[@)+3C-':WL#>I\HCU8W(_<7@>+MOHW^9XU>36<33
M[E)V9]OMQ,WF?:(K,S[.*,S`-PO<J&8NRY+U`!6+4740M1C1&A$,5BRSE*O,
MRG'`EZ2PK[QEVPMQ.`7:][%"OL#=GVB7QGST[?R^/\-SM]O7.J>/%?K,\N='
MRCW^W&R8CTGL^AA.?I""]KK,7XO(]A8@)$\CRX\*23+VN)0G7K+XI9X\X$%W
MN$)9B%\3\2V]>XP^Y=^;Z0DU_<_*C_N<+AU^D;.5>8]XM/Z:M+1[33=7/7K'
M1^@<,M[@*QLUGF4I^>"]@E\XFBB*-FFM?>T:V+8I2XZASV0(SWKB<&Y6=?\`
MHW]VU@V8]YE?_']6WKY#R?-Y5H_JVSKKCVG7QHT:KQ_OI:?KCH^X<(Q)->XV
MQ_RPTG`N&Z827-F7%:-%8`20!*2L;S-'2-A2@*(L`)`D8B`6O?=!:][WI\8^
MO^:Q^W>#3KIY7.I;TQR^5,1V[4OMMKQB,8^&(](.W4]2[34&>\B*3PVL$E/(
MXUA]S:=EBQ%7U)#)C6+/)]_>W[7"X%WX@;7OO!W@"8G^H_M7DZ==7[FY<V](
MV:^+:OXQ3CZ[S[_ZXZ^\9B?N%ESUO[19)Q%<O8+W0X2F01[V_>X;[]_($5ME
MB]EKVW?:+V[;6]E/S>\?X_%?T_[FSU\OP<?_`!-O_P!T!&\UJ0EA<\JPE-8L
MOWAQ7$:YJ../O8%A".O)LGS8G2VV"N$L!8#+7O;:9>UMEV+>Y'$_<-XB-WF^
M/&(_]/BS69GZ_<Y&Z,?2(B?J^0XYFHMP9N?<J6,W/B@2L6#R4ES1;MQ7(*4X
M>6JBB0"M>P`C/-%8-]@ACO;>IB?ZI/[3Y"<3;]S\W/KBG#B/PB>+,Q'MF9^L
MSW<;=JSC#;#&S21BS(U`L,?+)Z0@@4[V\``S!$3*$,%H0Z7XQ0@ID1D9:K7X
MMN,X6L#>O/S1]7R^S^X^!F>/R]7D-$?R[HKIW=O3;II]FW6/RTGCZ^_YMO1F
M(\X0\A80TSE,^XD>U*HI$D;LG(DC"@<EBD=[(D#'-T#@\XVDSJL+MOA1-CTL
M6EAOL-)+%:X;7,>O1WK_`''P*[*Z/)4V\'D3,1%>1$4K:9[5INK:_'V6GO\`
M#7MO>/YJQ/1<55OE!__5]_%`H(9%_OO(W\9H?Y>P.B^R9T0H%`H%`H%`H%`H
M%`H%`H%`H%!`ISDJ*8_*0%O:M0J?'P:@B+P]B2'/4QEJU,78PY''(ZBL-<OT
MX1A$I4"L6B0$WXZL\@@(S0R9PS/)>7X7BZZHY%YMR=F8UZJ1-]NV8[QKUQUM
MC^:W2E(_-LM6L3:(,DC>3\B*`.D[>7+&$6VWN@QG!WD@$I6IAW,V'9#R0U[Z
MI&O,($7;EL6/2E(#P&?:[F6,NY4ZSWZ0S:<3S/E;1N\GR+\/A?R\?3>/N3'O
MOY%>L6QC_I\:U8I,3_U]T3'QY0.`<1G!!9^B5IY<HNY2<S*CY),N'I"Q6%:X
M$2C)[Q+3T5KV,':_"$#V&#_ZXMM^,>S[1^V/!VB/U/!_4XC$?J;[.5,?PGD7
MVS'KVQWGWE9[.R,T=;T[3'VAL8VI(`):5L9T"1L;TQ8`A`$"=$B*(3$@"`%K
M6L$-K6M:UO\`)5[-GC\?C\7571Q=%->BO:M*Q6L?PB(B(<G1]B@4"@4"@4"@
M4&*M0HG)&I;W%&E<$"T@U*L0K4Y2I&K3'`N6<G4ICP&$GD&EBN$0!AN$5K[+
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M8W71+A&X[@ES"TI9"\YQ`-+>VP?'3DAO>_N7';VT/9/Z(4"@4"@4"@4"@4"@
M4"@4"@^!""`(AC%8(0VN(0A7L$(0AMMN(5[[+6M:UO;>A,Q$9GLH4.0)=E((
M2,-IR&N'*;6L=FB2MYQC4N2FVWK*<4Q=19,?.K*$U[&)'Q4)/&Q!.)4I!/)5
MC4]<YF>S\Q'E.=YJ/CX"L4X$]^7LK/QF/?C:YQ.[,=:[K?'C]:WI/(K\J)U"
M<9QF#'.#HCLO>Y:^EIP2:>R=79XF<ENF$::24XNXRB2T3.F5*3C4K2WDHF5M
M$>8%$C3%CN"K$1'\6GX[P_#\;;;NU_+9SML1]S=LGY[=F,S$6MB,5B9F:ZJ1
M33KS,:]=(G"P:K4*!0*!0*!0*!0*!0*!0*!0?__7]_%`H(9%_OO(W\9H?Y>P
M.B^R9T0H%`H%`H%`H%`H%`H%`H%!KQ)S3LVR%PQTT*#`8JC:T]!EM_1J!%VF
M;PE&6`>&V%21:_':BQ;_`%@K`8"Q(``9B[''*G*[7S/YNGH_*\RUOW%RMOB=
M%I_LNFTUY-XG_NWC_P!K28[U[_JK1,8C''CY6ON^SL&224G**3IRBR"""P$D
MDD@"44244&P"RBBP6"`LLL`;6"&UK6M:VRU=/U-:UK6M:UB*Q&(B.T1[0_2B
ME`H%`H%`H%`H%`H%`H%`H%!__]#W&HO(K#*YA2R@,U)11U?*44.;GEY9I''T
M#H\N2DY(W'M)[ZSMP'6..)Z<RR=Y3\5G."4,0%0@@%>Q<.:9,S8XD3HRLC4_
M*#'A^$I`C:U<>DS6O1GIR7%44DD*5U9D1T47.J)G5J&XATLC.=$R4XY&$\HH
M8PD<]%_OO(W\9H?Y>P.B^R9T0H%`H%`H%`H%`H%`H%`H*1R%*'Y_?P8?QTXF
M-DI7-J9WG$S2A2'#Q;"'$]6C3N:,I80L2*9]*S4*E/'TZ@DU*2),I7J@&E(P
MHULF>N([OSOE>9R>5RH\#XG;-.;:D6W;8Q/Z;3:9B+1$Q,3NVS6U=%;1-8^-
M]MXM77&O99\6C#%"XZSQ2,MX&MA84)+>V(@G*50RR";>TQ2M6G*5[BN4F7$:
MH5*335*D\8S3C!F#$.]B,=(;/"X?&\?Q='"X>KX<;56*UC,STCWF9FUIGO:U
MIFUIF;6F9F9<_1Z2@4"@4"@4"@4"@4"@4"@4"@4'_]'V1K?`_#3VVNK;*'K)
MKZ2ZO9KL<4DFIT%:K)UL\8\B/K2IBF,44(ACX5*W^.)+.J]S;ESPK()+!K`6
M3I=.7,K58_':,LTQ*GBB5320252XM#S*UKV.(;L\>(NV/#-"G.3D,\/:"R%$
M+:WHTE"%JLV$F;A8U8%1A=AT,K!B3:W$2C*+D0@1$N*Z7M1:U>4E(+6K"TN.
MX(!,6J5`+L>H`G#>]@6&*]@6O[-E#V3^B%`H%`H%`H%`H%`H%`H*DR1D<]@-
M10F#@:W_`"W*@'$Q6.JAC4(F=.6$OF$ZFQ"-4E6((+%BE`#E0^*G-7G#)0)1
MZQ6G#>3/I'=A>7\M;BVU^.\=%-OG-^8UZYZQ2/YMVZ(F)KIUYB;3FLWF:ZJ3
M]S96$DQ_!4$`8A-:=:N>W9R7'/DLE;QIQ/TRE*TE.2Y21\,2$)DEE:DI(422
M0042C0(4Y"-(42D3D$EHC#V>+\;J\7QITTV6V;[VF^W;;'SV[)B(MLOB(C,Q
M$1%8B*TI6NNE:TI6L3>JT2@4"@4"@4"@4"@4"@4"@4"@4"@__]+W\4"@AD7^
M^\C?QFA_E[`Z+[)G1"@4"@4"@4"@4$)F&1X+`0H[2Z3M3,L=+F%LK,8==5(Y
M$H+M:XD,8C"`"J0R=R%MV!2MZ52H'?V!!>]29B.\L[G^6\;XS[<<[F4U[+_Z
M*9SLV3[:]=<WV6_X:5M:?2$*%D#(THN8#'>+5B-#M^#+<NKSH`UJTXPDALJ9
MX>D;Y!D=2J3&C'OI'ILC=C+%7N!1NC`*[,SVAGSY3RW,S'BO"VKJ]-O*M.BL
MQTZTU16^^9B<YKMU\?..EL3$LJ\-RX[7&%_S02RE`VW2BQ9C:/QI4*^]:^QR
M-R:XYJ3JP6!MML3DH[[=E]OLO:[$^[O^W^=WYCE?N"-=?3]-QZ:Y_P":>1;E
MQ/\`RQ4M@Z%K+@,E*V;SPV^RZXB:9`F#Q''<RPKBL-RQ^6\),;&`V7W>$6S%
MD;O]3VWVOC'J?^.>/V8GF[.3R9]8V[]MM=O]VCYQQ_PC5$?1-HK`X/!4YZ2$
M0R*0Y*J,XRI-%8ZT1Y.I-M:P;&GDM"-&6<98-K6WA6O?9:D1$=H:/"\9X[QM
M;4\=X_1QZ6G,QKUUI$S[S%8C*5U7M*!0*!0*!0*!0*!0*!0*!0*!0*!0?__3
M]9*%K\M"XG=$T)LOWR"GR0K5L$HFC_#`1-<2IE2<]T536(H9L\FMS2FAQ1J,
M"5$N7Q<8!K%#6B2N/)K7+T6]"$6=P9$CYBM)D)/CPMS0]+DS-Y95KJV1@3-*
M;9((R[=LDR\#T^N4FY69&#$VL&C3@)#81)-W,L8Z-DHD8XWE&42STJ(MN!+V
MJZ)44O/.6J#!8[@EU(%2`;:00C`4+98`@*3[F6]M[`_HH>R?T0H%`H%`H(-+
MLF0""&I4DLEK*SNC@0:H:6`U6%1)WTLD5@&!CL6164R*1'A,O8/"0I5!MQ>R
MP;WJ3,1WEF\[S'C/&VI3G<[7KW6B9K29SLOC^C7&=EY^E*VGZ(@')4VD0@VQ
M_B&1JD9A=CT\ER@X`Q-'%)0;[#4]FE6VR;+2%RL*_N%K8FE(':U[\>UMW>9F
M>T/#'E_(\N?_`,OP6VVN8S&SD6_3:Y]X^,UV<FMO:+\:M9_J]_CM_D24;@L@
MY37(T%^%<V*XC;C<?-JDD6\::D=Y>K<I'D54H(-$$`%C,YQOBEE[1I[;X@V8
MF>\I_:_*\S$^4\U:NKUU\6OV*S'>8MMFVS?,Q/2+ZMFC,1UIUF$SA^-X+`=<
M.(Q=J9USM<DQ\>BR;JY+)%!!822ETIE"\:J12ARL4"P;JG!4I4"M:VT=Z1$1
MVAH<#Q/C?&?<G@\.FO9?'SOC.S9,=,[-EL[-EO\`BO:UOJFU5HE`H%`H%`H%
M`H%`H%`H%`H%`H%`H%`H%`H/_]3W\4"@AD7^^\C?QFA_E[`Z+[)G1"@4"@CT
MJED=A#$MDLJ=4[.RH-.`Y6HL:8,U4M4DH6YM;T:8L]<ZO+NXJ2DJ%"E*.6+E
M9Q9!!9AQ@`"3..LO+S>=Q/'<;9S.;OC7QZXS,YZS,Q%:UB,S:]K3%:4K$VO:
M8K6)M,1-1I&:=9;4%N\O-D^,<>@WS&2`L;ZY1?(4BW@"LG?<@2V*NJ1WBR?:
M.QB1@:59)Y>X$;DK-$:8V).>L]^D,*G'\EYR\;^?;=P_%1_HTTO;7OV>U]^W
M7:+:X]:Z=5HM&,[KS-ITTLR(X]@L"*5$PN(1R+Z^Y0W,]E:$2!:[GDAN$"MZ
M<""0KGE>+>O<:A48<>8,0A"'<0KWO8B([0V.#XOQOC*WKX_@:M/RQ\II6*S:
M8];VB,WM[VM,S,]9G,IC5>\H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H
M/__5]H*3S#A!L34SMQ@V162'MDL<XE(GMPMCTV\25-SRA8[*)2Q-V05TJ:#C
ME:P0C&P:"[XA(3''K$*<@(#3"X3=C\B8R\S$J!J(K-(_)4SBT,TK1/8(ANP-
MXE#8\/,*;).>SS!W+/431K933D(FJ[F27OE@5C2F&6!0PL&).3<?*,HMI"]$
M<XH9>U&+4!2H@Q:C+58[@@TQBI*`RYZ<"@-KW!<8;6':WLVT/9/Z(4"@K>=Y
M*;8<>W,"!`KEV09"2H-BN/V,PCG;J0E&64M>W$]0,*.,PUH,/+LN>%PBD9`S
M"DY=SERE(D429Q_%D^2\OIX%M7%U:K;_`"FV)G7HICYVB.DWM,]->JN8^>V^
M*1,UI'RV7UTOP<5QHXJ7U#D+*C@AE4_1:@R/-R$!MX-C$"U,<B4)($@6$DJ%
M#R<WJ#$ZR1+0<V7`./+*LA0G6;BF.N9[O-PO$;;\G7Y7S6VN_P`I7/PK&?L\
M?,3$QIK,1,WFLS6^^\?<O$VBOV]5OM5N2JWR@4"@4"@4"@4"@4"@4"@4"@4"
M@4"@4"@4"@4"@4"@_];V]IO&/"Z1U;7HB.OUG!J5N2E,,S(V2STIY+L=<]8R
MNC<?,#&Y\BMA'J0$,RTI0TI27%>42G++<5P%!<I8R89QQ'71E>VIA4%O#")2
M-&Z*Y#)G1>L/4$N*4I7(53J\K3I6N:D3PK3MQ[I=8<UIE1Q*,1!1HP"(YZ+_
M`'WD;^,T/\O8'1?9]I=-FZ'`;]8T3%Y4NIB@AN1Q&%2J6#,4)P%CX3@L86E<
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M0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0?_7]_%`H(9%_OO(W\9H?Y>P
M.B^R9T0H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%!__]#U
MZ^G/,1R+/Z!J>$<+73/+^/)_C>8)IX_ODB2J&R5DN$N=9"G1LL887-L0QLRQ
M34C6(U*XTTNZ-:I4ID#4J"7/9,H1A;)S-D2/R900QQV*)'-"L98LWR]PD(,3
M,R-FE*"81A@/71Q`*6I<NO#JB<%PS]*%&8G"+88:@0W$,MDHD6XVE&43#U2(
MQN'+VJR)*4@/)6IS`X[@EE(U2\;D>0L`:+9<`0)B+EV]E[C_`*:'LG]$*!0*
M!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0?__1]_%`H(9%_OO(
MW\9H?Y>P.B^R9T0H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`
MH%!__]+W\4&LS!GY8JS=)<42..I&M(4G+.A*IC'*9D^2%.G?U<<<WQR)B\3=
M(NP1M`Z)^`O/6NB4QD5#((6%V$K+$`OHLM`_)6&0STEQ;I1]-E"!<C/00R7O
M")4DZ&AJ*YR=>T,:Y"<$"Q$<4*P3+W",L0;VM>U!R0\D1H"PAO&1+PK5296L
M3IKXYR'Q#4J`U$0L/!;I;9<"<UQ("+]IMJ&&3UXR?49G^7.0OPO0P=>,GU&9
M_ESD+\+T,,9)DB-+RAGHR)>H*`I6HQF%XYR'<(53<L/;UQ%]L6M[Z9:E,+%_
MV@7H89/7C)]1F?Y<Y"_"]##&/R1&DIJ(A01+RC7%2-&A+'CG(=A*50$:MP&0
M7LBU]HPHD!QG]DN]##)Z\9/J,S_+G(7X7H8.O&3ZC,_RYR%^%Z&&,1DB-*C5
MI"<B7FFMRD"-<6#'.0[B3*AHTC@`@S;%K;!B1+R3/[)EJ&&3UXR?49G^7.0O
MPO0PQEN2(TW(U;@N(EZ9$@3'K%BDS'.0[%ITJ4H9Z@\R]HM>]@%%`N*_[+4,
M,GKQD^HS/\N<A?A>A@Z\9/J,S_+G(7X7H88P\D1H"PAO&1+PK5296L3IKXYR
M'Q#4J`U$0L/!;I;9<"<UQ("+]IMJ&&3UXR?49G^7.0OPO0P=>,GU&9_ESD+\
M+T,,9%DB-.*-(X(2)>I1+TQ"Q&I+QSD.Y:A*J*`>G/+O>+6O<!I0["M^R]##
M)Z\9/J,S_+G(7X7H88Q^2(TE-1$*")>4:XJ1HT)8\<Y#L)2J`C5N`R"]D6OM
M&%$@.,_LEWH89/7C)]1F?Y<Y"_"]#!UXR?49G^7.0OPO0PQB,D1I4:M(3D2\
MTUN4@1KBP8YR'<294-&D<`$&;8M;8,2)>29_9,M0PR>O&3ZC,_RYR%^%Z&&,
MMR1&FY&K<%Q$O3(D"8]8L4F8YR'8M.E2E#/4'F7M%KWL`HH%Q7_9:AAD]>,G
MU&9_ESD+\+T,'7C)]1F?Y<Y"_"]##&!DB-#6'MX")>):E3)%BA-;'.0^(4E7
MFK2$9X[=+;+`4&MQX0_M*O0PR>O&3ZC,_P`N<A?A>A@Z\9/J,S_+G(7X7H88
MR+)$:<4:1P0D2]2B7IB%B-27CG(=RU"544`].>7>\6M>X#2AV%;]EZ&&3UXR
M?49G^7.0OPO0PQC\D1I*:B(4$2\HUQ4C1H2QXYR'82E4!&K<!D%[(M?:,*)`
M<9_9+O0PR>O&3ZC,_P`N<A?A>AA__]/W\4'#(XY'FYW=I`WL+,@?G\"(M]>T
M;6A2N[T6V@-+;BW9R((`L<0-X#S+$6.&.Q5ABL'9MO01G*T\[6XQR#DKIB33
M;H&&228=(0QOYK+)/TZT*W7D4<;=\O6O+II>"G+VVWC!VM0AU]K_`)G&.KP*
M(3U@Q;)Y:]OH<GLJAB:79@*&Q/V.<CY3@KNS]1NFA2C9YC;QNGKFR+!@3!<2
M8L`!I*<U2"Q)<+O\6O-J%^5DSRO%8?#95'DN-`MRM,]R(YGL5)6IPFF2("4L
M)0(EJA2WJ!/F+G`ZQ5KJ0%HSDX%!J=QLL;D8F,(KY&>>C3X[9-6XM=<.SJ2/
M!\+;I=#G-`]0UO:9T.Y,K>9*UM0U3T<L:!1F+0ES4B/<R40%:P@*4FUPF!44
M(C*"Y"^9OBC&Q!#LBQK.)+"3E(G`V2,!D8;"S69TE.`<>%O:%$_NC*D6K3\[
M>1Z&,+R1JB0MRME>U*TXD*0H"MD^+9?QU\FD?D;@E7FN,8]E*,Y(MF[45!!+
M6(;^]/$+5K$8FUD4NR^/HB#GQ2E"2EYQR?<-'M.L41NGC$QB<*(QW\P-@R.P
MK)`HPG-8X>EP1A+.,'1O;S#%Y\Y>L^R&08YA6/XJ8S.CH>B?SIXCM'A*EA2,
M)RQ4+A%F)=P\X8^JN&WYL>-723X\C*;$>0]_)4QC;:P+QN44`E%`IU(<21N"
M3LT(G.QJ50^J\RMII[:ILF"W$HU8#E>K&V)G*97XMS<T^0RG$$[Q=!B,53&>
M'930Y2$S.K`^0!E;RI%C?&4HR:CA=QS261LNS]-&^)*DZ-2I&C9$9FZ-<O3`
MN&XJF/JUN,^8?%B\>0N<,V'I4YON1FI,[(XTD>8VG)5+GW)+OC'&KH"6#'9I
M<H7EMBQ[(Y)&7T5@!<(TQ%F<`!RDE,$83SQ`\[X%YDO604$$A4QC37#&I@D#
M:[RHQC+'(6*0RK(<,2*!-K:XK36U=SC&:\VY(#%9124X@!YQ#A98WHQ,82V>
M^4[7#\AYGQ8]XQDRE1CK&&+II'UJE?&#&O,3CFB7OV-8=!XFA(<7%P1K'3(#
M66QW&[)TG$6J?<)&GL`XX8]6L"/YK>.U:Z&A%AS*"=@F<ZA;`DEQ@6HZ/(XA
MD]^QDQ8SE"I8C-4A)DLL*R<!RM&S>$O):F!Z/L88)$44KF5^+LCR1+SX!`I?
M-DS&.2&Q5@<GWDP7^+Q0M64VIAJ3Q+)/-7E@BL?;$A!8CU:U:K*)3)BS#/?$
M&Q8JY:"3CYDD)AL%QM/SL,9"7.LZQ:ER0",J!Q]FD$>9W3&N9\X&LRA4ZJB4
MMEKIB?QCF#PC+&8GU)K>VIU`4HW``T\RZ^/?JO3QO\OXSY'3[-6.VR#S*$/F
M&AQU>L(F*2R!6\Q67S3,$%BD@Y<862L:1R!?A)V<4R<RQMC&-:VJ[&W$K&0G
MJ3&$RRKY#H,1Y6PMCN1Q!VNP9F<Y.Q(\DW>HRWQF-O<8@\NR$K2/"=S=$KA9
M*1&82L.4'[H-RQA-R`J;!671C'=I2L^:;#FE(M(;O'_*1@$<9*=V%.2%K1HR
MD[&V>-KK.")6044:XX_;($U>5<0)-/4HS`G+M>0`L)20I2IF5^/U=EF-9XS9
M3QS`,G1PM85'LC0J*SQB*<20)W`IFE[$@D#66O(+-/+(6`0N`+&@",80CM>U
MA7M;;5<NO9L^:'A.78ZDV48C$GR8L\5RW.H`P$-+I%U[C(&:*8R99BT99;;I
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M(E!0C"BC=\H`F,*)'YWX[=,DYNQ$FA4A<'3%[TP05N"XB0MZ7*$OD<RA>-5;
M%&D;F``UK.T37(C8WN"XJRLA"$P1JT*4DU")<,*:B?S6\=RM;B3<PYE!LC^7
M)OB:+M$L5A:C6%$V>09'CBMP6Y'+49JA/>0S5J\H&!8K8SAIEC8E:WLS>4V0
MD:V97X]^KLBR5+%<#@4LFJ-O:W,<49%C^I2O<A!%&@+8U%ZQX6.,A,;7@#6D
M;6DHY2,RZ8W;8K=V6V[;5RZ_IS\R6(XXA$,GLBPI.R'.384BF:9G'4ZMBY[`
M8J?B+,>?I3''I2IND)<9EC[&.(G56:S@$!6:N=FPD("REQBHAE<-B/'#RO8O
M(J5YHA26"R^`2/"\@;FQY:9@04F<534^N\T9F!S4(PA`:TN"Y1`EYIB(7%L2
MG&G,L<9QKV`)C#A,K^:4%P_Y'0?Q\E4=>"`RR'!F;ID8QS8D<4B;6>PYJDI1
MSL6K6EK`I$+1@5[,6F&<`=K')=$6OL%QNW#'3+6!Z^:K$HHR/1IGCKE=,*.L
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M5,8C+__4]_%`H*4\DMST^YLXO:'A]K9SQ/4!J.QNYTXX;_=W2?2^W6[]\<+X
MFAXF[[=E%CO#K+F'*O2E-=W]*S1\LQ%MZWZR]/\`N==9)T767%^W>#N[G*-G
MQ.H>H-5[W%J+Z^K9KQ`TW>GRJX/H:XW5"#5^E;FO=/B]?YAX?J"UWT#FNGW/
M[E\'J[J??^-Q:J3VCN@WGOH.))-7^GUO=JHOO^L_J7=X7=,KA\[Y+\/M[J=W
M1[GQN=;W$^!OT(].Z%9MT/+L%;/TO][KCR\T?>_J'D_'[LBX_;?;\+J#A<3N
MAK_H_6NFX/Q.#46/7NVS\%]-Z=H]I/2]INHYKPO2!S7LMN]3N6W0\[^U>J=[
M;SGC>]S'B;/9LJI/?U4/C+EF_ASA>@W>[5>*VGZ&ZNX7"[Q3S@=NM;\+M[MX
MG;C5?&ZOU?&]G!H?YM9FCEW7\$V?HV[WK)E_#Y;U3UQS'KCQ]XW26_\`#]17
M#W];Q?LKJ3HOA?$X51?3U[-]?-_0]#H==Z5N'T9Y&_\`-7U#TKN>F;+6IT73
MOTGIG3;_`%MM^)T)S?@?2.'52&I+SR3TCY,TOZ:7+N38?XO7G<+L-_C#-/WZ
MYO\`[4\GW_W.X/\`O5S'^ILJ+Z^J^O";3=T/)3@^@?C<U8=7Z.^:]=<7K7+G
M#[V:[Z!O:?<T^B^#U3U-O_&XM5)[1W6EDK1^H(CB>F75<B\<=SKSGO=W=[U3
MWA;VF^Q^4[W$Z"W_`'NLM7Q/9P:'HT$B/+.Z>/=GZ0?$]7^0.%TIU=W#U_5F
M`-1TAO?1?4/N;W,N-]F<\Z0X/O[E1?3U=F'E]I?31F'6]E-)TF9Q_4;SGLAN
M:]#M[C]/?;7(-O\`3IOB<;A[/9MJI'>&@>2^3^FB1\#],O0]38O_`,9>NNSG
M'[>.6EZBYC_M%K=[A<J_T?IKF>H]W45%]?5M+X<Z7JSR7TWH]WN[\DU7I;YS
MU+JNN<B;_?'F_P`+KGA;FMT7T/J7GN[\3B54GT5!YDZ'U`PK5?IU;_8C+F[Z
MH^H>^NE[>9=UO2/)OH_:W9N<WWOIG(.IM+[>+46.WJIWR@Y9W+\E=5^DY_=L
M*:SOYU=W)X6GQ/H^\_)_9J>+O=/Z#XVAZ<U/P^'0CT[NXF)_NM&OW?\`W?9O
MW3_=;[N3?NU_\?\`J?\`Y;<JN75V3H-'Y,[/TU.)T5Y.ZK<ZEY)N]%>+O&[Y
M[WT7I#<W.XFC][E?2'#]_BU'7K'=^_B%H._;#I_TV^/Z:XYN>F#J7O%H.##=
M/RWFGV?VDW][<XGVGI^5<?W=RJD]O5>_G7IND\0ZGT<[.]#!P?67S7I;4]/2
M;@]M^5>]W(WO\WQ_HO*M;Q?=H1Z]VL6;]!S'%W_Y:[>WGF/I>^'4NMX7+LIZ
MCI3;[O1^[L[JZSXW"Y]P/>WJBQ^+>_Q#TWIZ@FC[%Z753?3^F[FO9_A=P97N
M<@YY]L<\V?O#J?C=1Z_>]M5)[M4FO0^MK(7_`.>&KZ_@>]ROJ'U8;_1R3@]>
M?ZDZST_%Y7N_#TV@XGQ^!47TCNU_Q)RSN=AC<_2$XO?O)6G[8=7==:S9X]:_
MMKJ/H7<[_IZK4_0/W*T?_=4/\W:AY-\#TY9WU/:?3]H<B<;OSS'L?N=*.N]W
MCY3]I]KO_7^!\3E7'V54CO#3ORAT/)9%Q?T_?^:K&^_ZC>H>2Z[TVL6EYQHO
M^._^:Y?N?9W;;>U'^D5%C\>RS/"+2\#/6E]'G^-<KU/I'YSP-5S!=QN[7./^
M(O\`1J]+]#U''X7]:JD^G=37F#H?4.SZK].3B^GR>\/U.=0]]N!VZ\C-3I^3
M_1.RN]P]=Q?I'3/7'`]WC5%CMZJ8\F^6=R/*/4_I(?O3A?5]^^K>X^]TB;H>
M_?*O9U%Q=G)=%[O3V_J_A[:$>G=W.?[O?ZF^YO\`Z]_<?_9O_`JN73GB/E7I
MLF7!_2FT_93(O%[<]9=BN!Q\4:GG^O\`M3M;Q^)S+@_2-+TQP/@\"HZGOZK8
M\-M#WU5<#].74>G7'^]Z4NH>[&EZ!\?]-MYE]F=F]N]H-SZ9T_T?Q_ZE"?Q?
"_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>g90582g34v06.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g34v06.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0MX4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````W0```GX````&`&<`,P`T
M`'8`,``V`````0`````````````````````````!``````````````)^````
MW0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"-P````!````<````"<`
M``%0```S,```",``&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``G`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T&O`Z2=SPRW<YKF/&^YT"P;+!H][6N<W\]B9W2>CN))JM$MV&'7C3
M^RY/UGK#>C=.?U"ZESV->UGILVAQW.]-KY+MBQK_`*].;D]+KIP]U?56UO#G
MV;75^I;]GU:QEC7[?I_30L+)981-2-'3\7;;T[I+7U6"JS?1)K,W:276:Z^_
MWV.^FFIZ;TJA]5E==H=CDFJ77N`)Y]KW.:_^VN;?]=^JC,ZSC-IQP.F5WOI<
M0\[C3=7CL]5OJ-^DRS\Q;?U3ZUG=;Z4<S*%3+1<^N*FN#8;MV_3LL=N]R5K8
MYX2EPB[U_P":[BR7]*Z2ZKTG8UA9J2!8\\G=M<YMWN]WT6_F+66%]8>K9?1N
MD6YV-CU"QKV-VOF"'NV'2O9^]^^BR2D(Q,CL!;=_9W3;'/L>PA]NW>'6.U].
M17]&S:FKZ1TFJP6L#@\$$'UK")''M=9M6#B?7P^GTRO+Q=V3U(`@TF*VEUS\
M1FEFZS\S<NCIZC3?>_&HNQK<BJ?4I9<'/;M.Q^^MK=[=C_8Y*UL,L)BXGM^*
M*KI'2*GM>QGN8X/:76/=#F_1(]2QW@M%"G)_<9_G'_R"*DO<C]D=+G>:\G<#
M/](OD>[U/^Y'[[OHH@Z;TQ_M++6M+-A!NM:($[=S1=_.?I7_`*;^<_X17V/K
M#&A@(9'MAIB/N29?6\N#226':[0Z&`Z./Y22FE9TCI=CW6.=;O>7$EN3<WZ?
MTMNRYNS^1M_FO\&KE7H4U,IK=[*VAC9<7&`-K9>\N>[^THUY3+*3:QKH&[0C
MNTEO:?W4,]1H9CUW6':^UF]E4C<[V^HYM6[;ZFQJ2+#_`/_0ZOZ^%O\`S:N:
M'/>?6JU<"/\`"?1^BUGM7)6D?:?JMSI31//_`')<NO\`KZ?^QBZ&;!ZU>G$_
MI![H_E+D+)^T_57_`(G'_P#;DIIW^C0YG^=/E#_IK//^5?K3YTYG_MU2NJ_Q
M>/8WZONW;OZ3;]$./9G[BY9__*OUI_XG,_\`;JE:'0?K2WZN_5NESL8Y7VG)
MR(`>&;?3%1[M?]+>D-UN*<89!*1H`3_]*/HZY7Z]O8?JS<WU18_U:N#_`,(W
M\W<Y=0QVYH=Q(!CXKF?KYI]5[@UH8WU:M-1_A&]H1.Q;N?\`FI_W2\960,GZ
ML$F`&U2?#]=M6U]4W5M^O/6'.<&M/VOW3'_:FK\Y8M4_:OJO',51_P"QMJ,S
M+R<+K?UERL6PTWUMR2RQL$@G,H:8WAS4WJY^.7#PR/Z,@?LQ/IWJXW^E'^?_
M`+4=<1TGZ[?L_H>)D=8-^9=EVY`996UD@5.8V'^ZAO\`A?:NW3P71QY(S%@]
M`2.W%LY/6NMV])QJ+WXPM&1D5X^T6;2/4W>_6L_1V?065G_66_!II=C4-W]3
M=9:Q[W3Z6RFF^'5M;^FW-=M_G*T3Z\[_`-G8.Z)^WT:#MI8L/K?\QT7^I=_[
M:XZ:2P9LD@9@';AK_".KK=1ZB?MN#TGTA`N9F"[?W&2ZCT?3V?R]WJ;_`/K:
MAD]2^T=4Q.G^EM.!4'&R9#Q?CO<(;'MV>FJ_49_YSX/_`!3?_;Y"'_BHL_\`
M"^/_`.VUZ2TR-_X<8_X(]3__T?0>M=.Z5?T]]74KO3QBYA<^ZUS6!P<"R7.L
M9^<LI_1?JH7]+_6Z!9CMK&'^GUL:+-]?H?I_=NN^AZ:^?DDM%DO;OU<-_P!;
MAOP?H']B_5+[5U-[LJCU;V6MRV^OJP.L:_(=?^GW-_6/3W[_`$_W$"[H/U.=
MTRFA^;C-QVVVNJM-XVES@SUV-/K[=S8JWKP5)#1:?9Z^W_S._P#WS]4M#0T!
MOT0`!WT6;U[#P,KIKZ>I7,JQBYA<^]VUDAP+)<U^/^=_PJ^:$D60U1NN'K?R
MOOS>B_586=++<S%WXX9]D_2F7Q<ZP?9_UKW;LGU&M_G_`-)_VVG?T7ZK&_JC
MWY>+Z^2+/M4VD>F'6LLM^T,^T^W]9;4UW]']_P"C7@"2&G@Q_J*_R=?X';_O
M7WK(Z%]5'].Q*;,W$;CU/O..\VD,)>YAN%9^UC?L<VOU/TEG_6UV"^54DA71
M=#V]>#AZ7P\/^#\K](]=HZ?DX]#.HV>DQF0Q]1N]K3:`_P!)@V/IW<_FO6?E
MX/0['XM>3D-%>.YSL<O(:VRJRIM;J:;&W5N>ZBAE+K+O_2B^?DD=$2]N]>#^
MMQ</^#_SGZ'R</I1ZA4;+V_;Z6`,L=R\.M-E9IJ9=6S]%F?3W56?Z%-9T_I`
MZ@ZQF37]N]&MKS.YVE;F56-J]=M;6.Q_5^E5_P`)ZB^>4D-%?J^O!O\`U=_T
M?\)__]DX0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``4`!H`&\`
M=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P
M`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D;V)E`&1`
M`````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#_\``$0@`W0)^`P$1``(1`0,1`?_=``0`4/_$`/H``0`"`P$!`0$!`0``
M```````("08'"@L%!`,"`0$!```'`0$```````````````$#!`4'"`D"!A``
M``4$``$&!@P)!@L$!`\``P0%!@<``0(("1$2$Q05%K87MSAX.;56=C=WE]<8
M6)C8"B$B(W1UEM97AS$DU":X&3*S)94VAL9'2(C(04+2&D55IUE186*",T,T
ME&751F8G*9D1``$"`P$)"P8'"PD&!@,````!`A$#!`8A<1(SLP5U!S<Q48&Q
M,K)S=+0V"$'1<A,T-6'!4A2$E!>1(D*"1,0518561\)#@Y/3518G&*'ADB14
MU/!B(U.D5])C)O_:``P#`0`"$0,1`#\`N\?^P$A[/3+Q!#[SXAJQPZH6TXD=
M#UXB,5L*,7IQ93D88$0-P27,Y9ZDA%UZ-Y87[EP$9*(*2)@(6Y^&)@,8(R(+
M`]P@B7(JI#WB7\5*86`N&HRA3:PQ@MZ/LN("4QO!J,I0;6>X.R2L\&"C2>T@
MBB6E.AKL-EL!C@JJFLI^2P3&*+2GV=AD9N4QRHJD6M3RINF].)QN3/*3,4@O
MA@SO)2;I#$4,QL$[W-IE)<'!RO"$URLM)BFS';.4<OT1->KU;SD0C`&":B$U
M%.3SA?/#+K80@AG#(01$AN737,N\2W;>'Y=WG76F%+FQ$.:QZ7PG$9R3"YEB
M1>SF5L9(\8(#CM/SXCU:-D#Y=S*KX/9E1T=)P-BD,P12P>%L1`;YHD<%+F^6
M#;#;%3AJSP+T^:W+(SD5MFE;7"(0<'TI#ABO'QNSF::9$T;(Y7!N&.L,X9Z&
M12]L0N3$-,M>V%K8\VGD/*)%T/(5Z3#MGLUH]*SR8#:W6D3:1';W#EE&9=@B
M<@G8S>UX+G\RW;M:*SZ`\V8T&V.VRBQ+BPB@$D<_D;'ZD>QR%Z?(R`.&/4$6
M[#RGW%_?G93122]/5V<90D.82$P\*=,=6$1JPQ95-R3NNXG:&I-]-*)Y0MDN
M#+"DIN=*0LKE,0\@4X(88/'.V`@-@@BQOFLYMVRW@U64)P:,E[//1ROG6KAF
M#R1,I[!02,4@'<[:^5$YE1XEHQ-/3BI$-.AYO240S00\0[%Q<D6QK("UALK8
M@B(L+GE-UHNSNQ^GNR4&-<YN-(^UK;`T%FW9W>:.Y'-1P]"\+.6.8.47BWS[
M<<#0:3:6F4G.24RA5+(IBB.;-=4,X8C9F,C8`V`A!%3<\IHZ-Y_W)8/#I?>W
M<JS7O")*)C68=882PZ9SU'<L$NQ]3ZOH<:1`=9L2,#%8V'1G"D),F$5PEDO]
M3!`/IN8@V&-[@EKB*HD800RR&^(#M&P)1;FM4R30YW@^]#G=Q'I/VW75$V&1
M-RM#$'10C.S7H^OY%RX6(S;=SP>O5P@P\@Q;!)6`?X^(F.5P@F["XL#YT)[)
M[9Q@B\)21U3?"3)>ES;^14QP;+:]/\_&3L8S=U<,FU=R.J34Q)3&<DO..2K+
MB@,,\8/&U(8,4Z$,,%?$N6%+7;P5$^^N7#8^K>S6VKRWDU[;VPFQ4U))O865
MYE>\'JD+.&"IKTDV!@%AE!3O<I&;C4$1WI&)=%2$DR7[Q*&*DK9';VR,A`#8
MCB!""HD%@A+7BG;#SF3W*TZU:A!9VM*(JM'4T33/R)I<''9B>5AE@!$&I&`Z
M):4N:R4U&(/]-,XJ`YZ^5LBH^=@,<C&`>.92#42"J0`.3!Q/`))TQU#FN2MC
M<)82X'G#8J?$?7Z6-6HZFP:-'7(H;&@E(>TA3%DBPB==+*.-S"ZCT5S)P<LJ
MYX8](/SQ@UT]0;=5#6NXFW6TT9R-L4V6K/.]J7%VG6J^OB$['PC2+`RV;8NS
M6R9H1XL5P[4.E%:*PE/AL)QZ0`FZ>#CY.,C&0D4/`H8PQ"Z44$1-Y-TOYVHD
M?8V$.&DD"-.>(M&W+7HZAZ-V1+T@'6E'[2D><7-BVRC@/-T%[)Z4T23I=J4`
MLFT`FHE"Q/)0L!B8"!"L);!Y#RD,+<N%"+GW>VI8>K^X[;9\Y[@)NUY*7M3-
M6DB&YU-Q0^UV+9^DE9/KZR9B>=6)<NCO'!\-V/W"6'2Q4U-#1[&2_+;*U@\\
MAZ@D4N7"6:#Q5)89.Q.[LQ3TW9,B*+-*M6(>B=/U2=SP:CK67QM/,"X9<,;J
M)]78YI63E=\O-$3!R@O5QS/44SIS!@'$0D+T:)#!N(B;JD;->^*-.K3ACBQG
MY,V;.S*\F+J]#<NPL[0TM4;)&.)3EYMC,U]MUD(*^W$$\&UHZGR2TA-2\A"O
M-&+)P&=\\[#VYC?(JB1;<->(^Z^Z,*1_N&X7WLALTWW9`^@D=9R!%NR!R-G"
M[S&S6RJHV6FQ97A`]'31NAM&-&F,[RBB0+*2V;<5A!,0S0(N&(^1<()<N>4O
MIX832GX)-6G;L"^MR%9X%V$R$-8;^P\X:GRG&ZD[%DOBINYQ1JW]<<U9R-"R
M6J(O0`!N@_UJQ!0L'A@,+@8$P(>70\A;943R*`4`H!0"@*G^-#L)*FOFD2J/
M`R^N-F>)@EN'8.AY8;%RG>,)X/1YDU,R30\#]\"0JFK--M*90*PN86%KC\Z^
M>/)RU!3TU(K=W"AMS;F[EM:'-MD5A;);,YNIP[B:PZ00M&<[+<3']H(LF(X<
M'=DJ*2G(38:S3APJG/$)JGD1-#*J1Q/"*C=(?&+Y<P<<>H)%+A.S9TU-D"<-
M#8O9I0VGXB<62#'KA1NXZ+*L]:=R@MK2\HFV^QVF3,K&OS%=K7LPE1PR#<8^
MG`J)19RR2^F%S!`P!RR>0A<PD2"&4H*YL)`>\W#6UA>NY$[.TQ(,42GL?MF%
M,[V8&1(V.W(L`)-^/VF$DLMG73V61DE#5S(Q0<90/Y%>=F(9RP+7RIO"XJ.6
M!"F2-Z-OY7(DAH?E6<%0OMMQ6)48VOB7"*TRBSY5-)]8VUFFO8*&5![@`L(B
M>>)YS!FL3J@*,3".IUKC9#!8WQN(HB>7>-79[<[VR7K'';:@S<*8#KWG*>=W
M9-BHVZPF^=G*/X,TW@ERN#.)9<<J,R&N@K+G?#N,I]A1$PL92@C@@-BH^5\1
M2X002.X71<)W<&0M[)+V;G0P[UA0A)$8.HC#CYH]/;%`1)7/0@2?NR&=B5@L
M>:MIC\<I9+$RMF('S"=\L+\@EZ(>7)!$3RE84Z[H[&R]K1N!O@@;I2;!3OB'
M:XS`6G&IT7"QX42'%@W'FT6J73Y;8"NU5Y^R>_7NFN`XHC)HY@().L4S'Q+B
MD[!@`CTB)%$@?:EWB4;3P?N>]MBY!D96*ZB0X^&[JE(L/E<"^+-OL`<TH<DG
M.,8/("R@*`=29S3;%`P[&!LLP`N9_AYVYB(P45$3REG#7W.<VE_!VAC:'99T
M+,H3:XX7::\WR;G,W-NF4YEF<H=>$<L+,,EB`:%S!!6@0S>!?"XQ%'33`F.%
M[E[XT\AYA%RHFX5L:;[E;,R?`G%YCQ0VR<,O2]".N;-G.%I;($S38&3W2JP@
MZ'G(J$PDMQ-UHF4II-*4D4-()B&R`-L@!L<\N<'?&]V^>E1/O5A</K,'B*["
M3SK>H[-MJ4W<BPWH=P\B1B:721R(%,=EN(7(\+)8"6U5)4!3<`1&]%:R?)*B
MI@3R+"%7`JX%Q2Q@"X=Z$((BP\JJ84;G7<"".'#*^SD@S'N]A.ZE!,5M9D82
M9.6I;[BA;E>>7:S43%QQ8PH8"6Y9:BVTD<X;/$`W<.5SP+]+@(!F<MS`!&"1
M1+D#Z,"\0B:M5#>]<D3[-FP+P)ZSQ5#,3$]4]I#<?N:77+N?-`"FOL<XVUV)
M6NG-@E'2T1:"GB`G)RNL*@218V<.VYQ4M<0%2,+AJV'>+CL-!>M_$X77+.V>
MTDJ0\DZI+D,/==;ZF1:R6YI_3`&[*`J2VU=NM(^78$32"I9!IX9M/!P/"A%@
M<^4(Q;*D=T8**K=XDYGL?+>J.P4L-]V[7[?S.MQ1P_Y?VB>P\@WU_<NN4UV3
M6E8JV)$A_%CGTYVQ"US$OJP"0AEA4R]S]RX>.0W5Q,A1A"$4W$W24G""+[.2
M`AQW+6Q4G;HKRTJPRE/$Z6E&<M3'?`#N//L`B<23+;C.*+JDZM8\103X9@'!
MT"D<BXMA,!PK&.:`&0.AY#0CWF'9C9?B3;=1HQ9*W(;VOT).>%8:;UM7IOU+
MB@BWGTH-4F;DU=>:9L?F:77,7)K1L7$,!LDCYOF%;])A844`#-Y1!$1-PCA,
M.W.S,P:T[6[ILW="6XB?L0;6A:W:8:FQH<CP4%YBMAXLQE@E9?9!]GK[\EJ2
M)!(+QU4&3QA@@25RN8^(`I/HP@1%$2*)`F,VM_)309KXLLF2Q*Z8@,S2W5N%
M&^TXIS<*&6;)G85PQ`HNY[G&^E#7%.F5,Q+"59OI^>8@P9JQP$,.^>666(;?
M(0N-^$U%J;)FUTZ31%^OLO;93M';>BSA9MF?]CWRT5IMD9!)S7-[Y#?R,(J&
MG*S74EIZPTXB<X!<,,PFF;%02>>(86(M@QL`6$+B>4QC7Y`W4F/A(2]O6#OC
MMHE2^<8$X2)$:"YWM'X;'1V+#[\4#I`TM)I"/4Y4,.]S-".E-/S-"JEDO'%5
ML8P*8WP"SP>0+#"A`M.X:;ZVDVN1"F\<_KR@PF%*D;-)$@?6IOGP+M5,;I0L
M$8<<WO80`'$=8>4F."Q@5&+7$L726[D!CGB*8%QS+D(.@EQ"V"HGD4`H!0"@
M%`<T.TO$6W(ML'NE$^NC]:C:)-38;1C2?6GMQD-=9!M/T^F1'+*"ZHFU!*4C
M*N7;R$S5@@.6,=*"6*F<3(85A0N>'`]HB02)][2G?G:K?!R,>.6U."-#RDR=
M!E1\;'OCQ5,9X"M+:@AL.L118-3;:F&F)Z7TC-CY76<2`9@`CT)\N)8,3#'D
MQ!41/ND6R&^7$F*<.-J;KF-J,7,[]CYY3M==:HP3M78MQ43ZJ?F,=OI[Q"#)
M%,U-S+RVT(X<A<!"P)WQS&-AYX"WS"PRN\@@F%"!N38;=7>F$6SK6STF>-B7
M#).RFQBVWPLG3P[6NWYF;,,PW'^#@EL\P->4/M]6DC%1'D!(-!G,K`Y`9(HV
M&.8)?K.>8(B+$U`@<3/?=X11J(EMB;KO%R[7[/[+"1](T2:TL>29B/:A00B)
M)/!7=T`(AU3;:'(Y]PG#1L5,*FND(%"F6`QL:X0U(D<%+I)S:';O?F"6-K^3
M3G_-;C9:ZUI9D[92?&WIW%ZCLG#;=(`&$^-RKEU5'<1A,C^/4X^7R.J[A4R9
MOI2?+?`0,0+,N*((B+$^1)NSV^QMB<+A3B/>MA.1Q[R/MLQDHJ#1U9:N#=4&
M?93=3A><]%4U_8V<I%PM=C*"(54&]<NFD.OE#&>&9?$2_(WA!(NN;A.+B/[#
M;$Z)\.@TY6Y*-Y5VM4WC'$5L.2!8M;A(1VOA]R,6%$ZM%""36440V&PRY\F4
M)%0#8HPX(8G-$%RRY2D&HBK\!!V`^*;,46Q=O_/NQ\R%Y?AW7)19D5Q"B23"
M[8UAV!<&R*FBBYJT;.B)TA6-'6>CV<P^)43-6QLHA%29L[T6!<F/?)$C@W41
M#_>HF]^UL\:Z\18H^MNXH*RQIQBT95SG:'F'$,JQN#&I^)%F1'&U&D7058PS
M'8FDEMCK*=99%,G3&&&'XUK#8WP#!41%2Y<4U4N;E<2E@Z-Z93NX-FS;PF[?
M&4(H:;(C=H:KQDK*\<L9RB.MT.%WMM`3"W:,I*AEB)Z5D"2R+E;7&4+6#RMS
ML1<0@D53R(7H:A.&82\%.E_SS*<A2(IV4W$L)QB;8$:>I:^UVXW4L(,8@KM(
M@>-EB22.=)&#=E=0&PM<N+;+FXA!VSSB>5^`I.UHXE.Y(LS)HVW<FJ,-+*1%
M&Q$\R#JP^]8DMMQ>]HFCAIN5W-->U1V/:QYRJ;](I[=(8J"HIJZB(0'ZF(`3
MZQS<A18'I42%PU+K1Q+^)6L,A@S^[G*[)4BA,UQV4G':+%XZ?6A:+HD(,=B+
M[B@X*+YNR*-TA+[CD=4!3\0BA#`T#<,3/DQ%"Z0R51(JU-SRGRM>>*?OB.56
M'E)DV]OIT?:!S!MK-$>2QK(U8'5DHV.UQ2&OIJ"%#'J*]+S<<\B.!#Q'6Q$\
M%O"E!<L`A!\S`/,1&"G^TG)JKN[L3'.N#GW+WIFZ9C3$8^OB1(+AC-[:<LN`
M6@OOQ[!I0C/;D52V&8!49'43RB/BFD@P2I8N;$4`3`EPP[8XY#RJ)&"&I=.^
M++.[@9'$S<,_RK#TD+6O.M#`V7AS.'1X]76,W3;XBQRNU>B+!Q,HTL%W*IQW
M(ZDC-,88\;.BYG2HMQA,<<^>*B15J7(&6P5MWQ"6'+G"I2IIG5BSP0XBC(57
MB^H:SA!L1^]87;Q:.4N0"[H1G$R5(N:/E"9-PA7.75$X,/'LTR#CA;/+(0LW
MA!/OH>0Z1:B>!0"@%`*`_]#M6=6D>GSYEP">7EK+"#JF,`P4.VD1?C=K*SE'
M44X$H`EJYXZ=31NT5M(!(`8$CIC$4V3Q!PL")AS;<@C%80C<,G"U:UR`BETP
M8%"<;XP^^%907WI'-VLEYM1V+JLK%%U46G(E9@9`+2LH+)``R,9,](,(,#AE
MEE>^./($5C'RFOU?0+25P2&@RNO:JP2M2*V$YN)2([%:-VTHJ9,HSD]*26CE
MEUP@,7-GFJE(1(LFFAPQ#1`N5"#`$#PPQQL$5WS.UK5/6QQMZ66FO0=&2NVY
MX<A%X30BJ#223)"4'0F'T]43EU[@"%\L7"HD%%*+#`B&.?<,0'&^/)R4$5WS
M*)7@B&9T8X49S%&+*DF/`#J8H`LIWH">LMD(ZC!B!)!C!'-`YD<<TT,7*P')
MAR!6O^+:W):@BJ736"+H[IPW(P=T+-[6""T&*9`&2C+]8B+&;32V^]S"$KEE
MU#'=Q0BF`=Y!D96)@C%,CN0V1?(+"P=\<<<;6"*QC&Z;$>&O,%R"\(SD%[Q)
M'[J>T,F+FHF<ZXUTE06(Y,W%(&+#LXX8+9B((N`Z66SQN7YE\,P`[X\E\,>0
M(J8H^]0-7)/.R4I2)`45/10F3-DB2L=<;-1U0U(.4;EL"C"L[!S1801:P:)<
M+#$AB-?+$OS,;XVM?'&]@BMRZ?/:&E6H<?L)ZQ>Q=:(19\?R2GY)4AM9M1NU
MD5,?29E?._9[OP3TTN*XR6%A,L<`SF8V&&%[XXVMC^"@BN[$Q5J</+1ABEU(
MFSM38&;919/-I35RJ1'#<)EE,^S5H)Q-4T?`")6"-BM]>`P-E>DME8$QA;/'
M\:UKT@(KOF=+6H&KCC>4GR&NP%%2H^9J:`\?RV[#;-1Q%Z1V2:#;P1MJO!1Z
MM8PNH9H-IIF(I<?+,,2Q$'G6OS+4$5WS\T0:9:DP`=5E.$]:X1B]57D\=(6E
MAEQJTT-95$<UCAB91CRN42\%(PC&+86OF4R%N6SR_#?"][WO0*JKNJ?EA72?
M437)SK#U@G6Z&HH=ZZ"8**+G9+"0$1=[/-B!#&T@@J%B>)Q(0S(P`>8A$IF`
M3SR#PO<.]\,;V!55=U3;MHDC'&5<IRLQ&QXXLV+XL;R7=)*Y/*T=V7,7+W+Q
M7<@[GL&WWAQL=ZI;*P/6>43DYU[WN(?!Y#3,P:-:=[`O#*0)OUIAJ57OFF$4
M7)U/IBH;B7+I*;<:Z>F]H*)48Q8D3N8$N&':_-QOGE>UN6]Z$454W%/IJ6FF
MJ"RVY!9RKKS$B@UI8.M!1DQ!-LE%&37X=8`)4!CF'46S*WP6LVD"2"Q3^GY]
MBE@[=';&@BN^;%EN$8AGIA'8NFB.&A*$?*&9,8TTWJB$U](N:3K\Y//@`GPQ
M<BBF0RO>X!H'+`P#>][X9VO>]"$8;AK=L:7ZE,ML,9EM+7&&VXU8TD5)E]B(
M20P&Z1(-J5T$.X*+)9`(`CA>[\2@K\T!6$OF>"QM:V(MK8VY!&*[Y],UJ3K&
M>?`TEG8'BTV_S$BH<O&'<99Z..N&)2;!(9.;,A&#PI;(4=WMLB9%"3S^?*9)
M8BB=#EAS\^4(KOG\)%U`U<EUPNQV2A`45/\`<C\;*(S'JLNMG(ZT>=;2;:^C
M.E`;C@%/%A>UD9'<;=(G2Y<;GAA&2@6=K6RPM>@BN^?Q?VG&JTIJDB+<CZ_Q
M4]E:7.Y_C0/N1GI*H9?WB^+ERC'[UYF@,^VNZ98H'@0Z?G]5QPMS.2@BN^9-
M".M<`:UI2XAP!#L>P\CN50+JK@38];"8V2:RI%"URA4\H@)@`&!HR`5O</'/
M*U[VP_!0*JKNF[J$!0"@%`*`4!KU^Q-&4ICL<S)#$:SX'C1\HDFQ^(YT<FL7
M9TAMKI[MYZMZQT(7%,<R'D9$N4.!6Q'+WSO?#*U[T!HUW:':8OXLXR3UUCA=
MTDW?(JQ+KH*+C$1%$LORBX012RX_U0`R6S"..Q5+CYACG<[7'$PROC?+D_!0
MC%=\R(EIUJNFQ(%`J?K]%)*%@'(`\0HN+,U'!9&#I*J`*J77[-_`O9/[5`4B
MX8^(W,Y]A<,<K7Y;6O017=B?TGO4+5_:3)MB[#P1&<OF6AF/DV#SW;">KJ2&
M&;&+F#I-/4Q`\5`!,4!B@61DI87JQBX>/2!Y<EJ!%5-Q3)DS7*`D17B1=1(9
MC1$58#27$@PB;1F8@I5XF1G<F6170F1X"GDBY=I$W`D6ZL;P)8`V'`O?#/EQ
MO>U!%3X$?ZDZQQ29:YR.('BUF&62DN]!9XR`ST<CFV4:0#H2D^$Q#Z,MR)I)
MVGP<15`,+FXF\[<HG.Y;\H15?*91"L`0EKBUC[(@6*V-$3057`:=2DVV`WD]
MM(QYR'DY*2#BX9(IH(``JF92T,F7S%O;GY!%@\;WY,;4"JJ[IKE/T@T]2IF.
M[#I^LT)E9O4%?%QCR;A';:R=0;FZ0845TD3^9#/LQU&QC&8AA3+8A'S(F5\A
M1<\K\M!%80C</KNC4#5I[-%XL%W:_P`3N1ER%)ZE-3Y;"RRD0^C.R7%@((!4
MDA>)&"F82D\CQ<#`(0^);(QD%ACASN9:UJ"*[YG:[!\/N<Y%I]Q1LSELU")X
M)4B(140R1W&.50NG`))13:(1@+,%&42286P``'!QQ%`#QY`\L>6_*(1/S^(2
M%N_C\E'Q7LKQBRBTP&)(KT[`(]XGLS2I0N0+-ERJ?1=95D8`D4#"P`&OEAB'
MA;&UN2@B8B0U&U@2X45=;TV!8L3X$7#?7UF(B;.1RS!53MUHBXKFU!N`EL$\
MV8NN)A8U?//#*]Q0,+_]VW((Q6,8W3"&MP_-(60C*C>:&JD%MQ!6W,R7DLHR
M3';=)IBJZHW'6C+"7U`D$2L7.*;1,.,_F0%$QRN6R-BWPY.?>@BN^9IEJ'J_
ME)HLS9P-%XDJ#O$C(8[\%:26*XQGXF)YA)3'F(?$`RSS<Z8F&Q0"QZ_*9+A"
M98AYXVO>@BL(1N'U')J[KB\G'(SN=\'1:ZG)+[63&1*:NY&4@KAF0FBBYIPB
M.W7?93)&@EY)2A4@KF6!,8B8@9EP\L.3+#&]@BIJIF<.S16/&\^6JR]3X+;R
M!)B-9MO\@0CY"M9W-RRV"Y+-U<,C%A3AY`Q7"H!FQ+(3JMLRP'XG(`%;`(KO
MFQX/U+UEUH-.(]K]!,7PX<=Q=.*.<S'C02&P,O%D@0X,E@*@B87`R.!$!5`?
M(*V?+;"XN7)_+>@557=4PL3072D65+3B+JY"(DPV?@<H6DL1@(.;SM(H*]BZ
M`7I9>R*7/V<83BPQ.XFN?TN)BUL[7Y;4@(KN1N'QGMPXM")(=K@?C[T^UX=+
MR=:F86G,Y%:+&F85EU9.9<\\K*IJR;CF=4SXW**8'SY11QLLA!,LL\LLKH#"
M7?/MOC0?2F2Y/+3/(&K,&/&4"V*=;O@X8Z;:HHG,T<H3((PZL$:(B$%HVC$4
M\N`3&.`CBE00`\`LL,<,;6"*IY3<&,$0S@YY5>N$8LK%WSDAI+9F%S8H"?9<
MDANH2"*UT=$=ZG8'K:RF)K>'S)A`BY7PP`OS;6Y.2@BI_8A",0I<19P&FQPT
M"$*BM-18@D7%$0F79.;+6"QHDJM?-`"#Q(9(:B3.C!#EKX=$*&+ECE:]LKVH
M0C=CY3,6BTFRPFJVF,RD%+:S.9R"D-=JMI#)@IR,WVZ@D`$M%14D@7QP`))R
M8G%0P00L+6QP#PM:UN2U`9#0"@%`*`4`H"&*;P]M0$E]YR83B&W?<38Q8VS%
M7#C\DY2R%V!6TPTCFG\*04GH;2A<2:<>&#().0%T-+Z3+(F3`SOSJ$8KOGZ(
MHT`U%@Y0V,5HIB$%G*.V6:AG/9HB]9&-B//M0=X&3V"=94=Y_!A@BCOU5RQ#
M;MDD,.X^',MCU<MT(158&-//AJ:6/Z$(8UR<L0'A8;UZ6P7+#K11I6F=JC,M
MQ%NTKEETLYVK(:*[U98*B+!K,(RH*!L8(4?//#*V=[Y4@,)8Q\I]A@</34F,
MG9%S[:4<N,-Y0L2D@A%[G<,RSB]UIH`2XFV1Y!S('WO)#B','5Y*M8OB9,7&
M,$@K6Q*Y@6M014TX+P=>'9D@Q8VBL$KR,DPHCNQ"C#%M3]LDUE!K)CZ<RL[W
M<$$M-N7TI:4S"ZNK9C,8P=,&3'5[AEL<\2P(((<($<)=\RF0N%;H]*)YGJ3P
MBMSFCK-BDK!81M,FZ=T`\ZX?)#'C9>/9)5$*2D]6DU!NH'\C`]UX=0,G,\<<
M#(HP5KAWC`AA*;^.ZBZY'7QKE(F46HY)RZCHCJ;FN6*,HN%`;45H;T:I%DN)
M-0V,AK"<QSA<TUTPL4!Z\G&\B6)</,M<$0/'.P16Z9%-.ND-;#WB[QR,W%Z!
MPQ+33G.-RPZ^Z$<D@RFQL5#!J.DR0;RVD$G%DD8*IC'$DJ!G4\3$;*P@&=KT
M$8&@;<-+2/*0C\H'80+K3N59L=.QBOFY']*;H;2Q,[Q3#".KO988;B?"HQ%8
MP43#@P263,)HJ<AXCBW32Y2XF=\D!A+OGV#/#OTV,*.Q:F#"J>CC;8LU!CZ?
MB;8=TA-)$?30;2.`@(Z0"W6N[DA`9W0)('1"&$(LF&C/2C9C""9CC9"!%;ET
M_G,'#MU`GAGP.PI,BU44VKK(B8-Z"TUO2O,L?#1^DA(+>;``)%4CR0FJKJI@
MJ@M4B6!,*)@X9!##SY@F-QQ[B!%4B;D:.ML,LJ"3NM".TS9^%5-MO1H*[/>#
MN>TA&%ILR&,N#/%'7'8_G&Y7HME%FSC.!7L;41L@"PF(`-PP`@@\`C=CY2+3
M'X3NAC`;;R:J-"ZFHICYC%5A)5,.V7)H>:ZD0VLBC9'(N8[F=$A*KBCIFB`#
M7`R+()I.R&!MR#9B7OEE=`82DG'9K!!CWUTMJ8XV-B9U\QC]MQ7A'A%R.Y"!
M"C]H$TE/;S:!<B"OICP!*$""&5!N)@H8CC!!WQ%$SMGG;((K&/E-(O[AIZ3R
M>;=IU[0ODJF7O!C-UI<6962);0L1X,8#F:KQ:L=)H3>?J4"WD@@XV4F&!A4[
M$J;/=7N&:&&"&'P$0&$N^8RV^%-HFURJ*FDXA<ZRB-][L.14ILOB?=C9(:(+
MOC(-="8RB8:$A2TYVRH%$$-R'+8D3!05/&Z3&XP`EP@>C0&$ID+YX96C4B+D
MKN%R0&D@J,X1NC1'*(33>$CQ\D.F/V^ZVT]DI#R;K!>+9;Z.,"Y6B0'S/)Y4
MJHF`PLP!1\RXY@(5`82[YD>O?#XT^U:=IE_PK#A9!?IAOX-/!\NAYR-*;S3F
ML'ECE9M(3JEAWO=>;J!EEACSR9`P6+Y\VW.POR6H%55)F4("@%`*`4!__]'O
MXH!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"
M@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`
M4`H!0"@%`*`4`H!0"@%`*`4`H!0'_]+M):NP;A7=FWM!:HWVPVT]N-M!6D@J
MN+2TD2&O%%)0D,H(ZT))44$!MO1I&L6<7O;)%/G+IN!S#K@N)RQQ/3Q&%R)*
M^A`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H#3DY28M1<R
M.UFBU,G\_5E5+H3%801ZZ<:=ZU@24'$JII,Y8N:Z(PGLQOJJER<S*^>!'+"U
MN=E:@/SE=AXD/*+63"3C4#PKR;,;/!"/IS0>:FW,V[+ZBKI$9J*D[TYO&VFA
M8/)60C)8E@>/%Q!1\<,.;;(8&P@C`_VR]@XHD$="+-=?5C`SGP;P[<Q560_&
MQBO$78UW<\VVK)`CH;*,&HH:RVV&KF`#X5\R>>1',+I>FO@'D$#X+ZV2835:
MBLMI8RHM*5F6]G0U2XC4>Q%N.$^S6J\74.@"O/-LYMI)5!R#&4!.K#F<#?0`
M7%P!SQR#YX0/IJFQ,6-LXCI[D<"B0S<#A>K=2U<-BR&*T^T6(HOHNYB2D\0V
MN*U44PVB4=JQE0S.'2X()4B(;YW4\P1LP@?A<.RL:(B&N*&`SL$6T=&7EGND
M<C*4DYV6(H*8"H#K2@U#3*P=*4T.D.``76QR6"58P)T-A[C8Y!V"!_"2YY\7
M#`8[X&;952[W%03@I$TX.PP0N1HGG7FAHAW)'5.W7LM]1N20TJX9;M4[G8/K
M`'\MPA=@9M%$L-N7$(VO-XZDB`@*9T$,@37":FK`(F9PU9KK+@2P,0CS6-.U
M$`#4P$XZ'@<+E3&&(^(8^(H08@;2H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4
M`H!0"@(P$]ED'%XR6D.)6A]K-6*A7>,[3RI,6%I"2T%EM\)P++J4HUNR0@DY
MO%B@EQA#`BS>P9+'I[\O+8.A&!]M][-16R(]=K]%6^M]U4!\K9ANFB"XB+H>
M3!1"BXN!+R8I(V"LSTPH65DW(=24RI<B6!520V8G1FR]Q0@;.=TC,IABI0#M
M7RR,*L];$)8C`G#%L"*<(0!55M2R)EC.",V48=5*!GE4Y<!.)9FP,1QP\A@K
M9B!@*).J.I-V;7B>05Q*;,++CO2CPQE)<)%772C%;Q9:<*D13'&WFV6SPR,W
M,`D[E#9\J9""#%N8#R$R!"$8;A^I)E1735TLW)7;*)'RBMIQ!4:HR6\LWDFK
M&!QTMQE&48X9S;+9,I3D3',]40L(#8`P1'NK`W+'!^C,V`"\9,8EB/"Q]+31
M7,4ZRL+9YN%<PRR@.2`7"+H-LC)-5U,`F(FH!@\\R(R01Z\*6Q45,.Y4K<8?
M\2A`PM,V3B18,I^"<LKAA,5F&#(Z2Y\F2\R[45FP=7PVTCB)#@-((">K*;D5
M1P\4HD6S%-*N`P.93`;$<"X@C!3-F]*K!=:H116ZX,%564$D9<P3RZ<KV-$4
MXJK++?.9K@0I`/)N&2+A;QY.,%U#JQDNHE!2H@>(^-PZ$(&I1MIF6$_#,=XH
MRQDOW<YEKI.&2@V,,3QA$6;)[O4E4M9<S468E-M'+G5H(19`(YK2.GCCI>)S
M+H@Q1&!)RA`4`H!0"@%`*`4`H!0"@%`*`4!__]/L44HEF-`G-QRNR8CB]S8C
M9`A-P1[;?S"AIY7(')YYB.$"-BFL3W;[:7CMI$60L@PE-0+EPSPW5NAR,&.D
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M<G)<0N&^J`4`H!0"@(SS^7A/%:CM8F=BO>1RZ.$\,FJW$*!90GUJ$E<\"WR9
MUSKJ#'D;R$307.GI0@I%).G[%!<B:FIA%NEQS,]&(H:&;3CUG:*2&@H#1VM3
MT,GG'02,C%M-MMBR6W$6)Y7<DNQ\U6\0*Z[%RR4UFPK.7-+*$P\>8`AE"Q4.
M^-PNER"Z?]P=D`$BC9P0B>XC<5F8V(R:C6<J9IQM,:645/BPB^$=%,@!+VLR
MRA&CRLWY&6$]1R,$A@ABQN_18`BX8"X@:P-L[4T^>1#YY'W+/#H3>7V\4,']
M.MG5%7S#<L=/V+E8X(ZS^KAIY@8F&O(JAG=.+J(")DI<T_D1R.9F!AX$8J9N
MIJFO:NNGU0YAN8(C+#<DMIK;*&TSV6.M9409@>KD?4D$;9*6K!US(O>Q3<`8
M!L1,4B(HQ-*3P\LKY%^?G$@?$3">M2(FJA1!*[BMI26DYQM]4<+2TCG]G*1I
MI.P@BD5UKX)K4U'16H2+F[MXF/92+)H*\&.!CE@H8V_%H+IO)=F^$7"P,HT/
MMO:BS7,(Z8W%(`#3;;[`TKMHEU,!1;Z@8$U_%M=.<R06$3U"X6(0^10R+8$0
M`6^`N`'R6'+$&1XO/-P(R)MB:,/0WD8,$U/33;+,@BEA'8^7R(F(89#71/,8
MD<W7(ZP;Y38IPQC<U8+$6P`0(08&T/G8Q;[5=E_J7;B_(300'SL8M]JNR_U+
MMQ?D)H(#YV,6^U79?ZEVXOR$T$!\[&+?:KLO]2[<7Y":"`^=C%OM5V7^I=N+
M\A-!`?.QBWVJ[+_4NW%^0F@@/G8Q;[5=E_J7;B_(300'SL8M]JNR_P!2[<7Y
M":"`^=C%OM5V7^I=N+\A-!`?.QBWVJ[+_4NW%^0F@@/G8Q;[5=E_J7;B_(30
M0'SL8M]JNR_U+MQ?D)H(#YV,6^U79?ZEVXOR$T$!\[&+?:KLO]2[<7Y":"`^
M=C%OM5V7^I=N+\A-!`DD`-@8!!'#L+C@.$&-AB.`,6&QP$PMGC88L9#",%Q;
M6R_&P$QQSPO^#*UKVO:A`_K0"@%`*`4!H%0A%042LI-X605/!CRN"]\%EMAH
M")UQ.&?3>S0E$=,<&6&1JW4\\^L`XBA"6Y_XF7.QH1CN'QI&UG1Y`&D0T$_7
MJSSTEHS\;:\<;F#6%%!09%8<6L-P$TZR^W%K$J9P)Q$F&"QFWY4$84Q;\:V8
M?1!$S23X;3I-$'N8<B\W`5AHKL>NXLC`H1@)U,5RB%A%9"-W6TA4$3C%\01`
MP#93($8$(V8_PL[@B`"!]VT9(`K:D1IGAE`ZCR8==IEP!W,6*F`P7F0[-5B9
M`T4P!&+88%;WL$)RW%PROR\[EM:A&)J=3UY<+D7QEUW34[W&,00$9(9EQ6PP
MDPRU%-!D)G227<_/26\33EE66EY@I%E4(<IB1'")88E0"5LA;"!'X#X>>HR&
M;4&BI*\AN]>,-5\8R&'=92&&?Y[FPG=9GO,RC6&:>6#/[265X5)/C)6)4Z<1
MBI,&X^.9?,0<(GW'!JRS'(TFFRE-84S:`U8Z94>V(J*4UULHL!QPYV:\62N*
MR>MH:BF&CJ6X&8"(.7S!R)&PAQ,!`OP!Y8A$S.)(-;$/CJYMOB`]87D9'2U0
M!.;;2:2-<5(=,A.O`VGM]FH:"DD.<9D4P5M;HQ!LBI,OD.*8-7,&AP53\,F0
M"VY06AG`M*9LNIETYND6];!*;JDFH@J*ZB3M4S9E(6DE1(.;)U'4-)!.!J6!
MD,N`D%LB%B9BXQ@40-K,]L$&2TFLS$H8Z82VBW$1L)IA1&#,*`Y!`3"J43&/
MC@@E@ASHI<ICD+GB&'CEG>][8XVOR6`R.@%`*`4`H!0"@%`*`4`H!0"@/__4
M[/CJN]&JT=Q;ISP=BX\"[O?!F);*W45=8**PVM[!>Z`T(_;P"2&0/$D%3N;R
M(IP!$P,8Z`88UULT(;,#".\:7%>:!9P+"<+,S_*ZY%^^HS3DE-D)T*1HQ)9-
MD1";16H@23D<45Q_`@9J[B/D$@<ZIEE%=Q.)V0)BR:&GE0XR>S"-N4^Q66>>
M93!/>!UIMPVZR`>&(89)RF4<F,NE`P\<LL0\"RIF+A;&U[VM;'DY:$#+*`4`
MH!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`UA+SV<,>LW-T-QMICG
M&*+*"65"BJX!VX7(H2BJ%B*HK@F2R(OC*"@1!'M<L2L$%B:'RQPS,%P^>-@(
MI=,":LR+JS+*^QEM.*-Y'*.=?:S:S.M22"IASFD-#+KG/2WFH-TI&ZD;,$,3
M9FQ$H?'-]6)CY6QOU<QT8>0_<WI><*J\$HJH-A&),1V/R28Q::R6<!XVZ.]T
M7F':"HY+R!F@`)A5)<.$?+XI80!0&R*A$2MQ>D$4,@B`&_J$!0"@%`*`4`H!
M0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0$(4.$=+)!E24F4#J3`RDK,0HTU
MMQ/-1@V)S*4XUM\J3X`42*:H"(0ZDKJC>/LX;!5,YAV!Q/&,BUA<S)<X&`(W
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M1,6_LK017?'S+M.OHG:T?$3%O[*T$5WS["?J?JRDIZ\D)6M4`)B4Z2)1+<Z8
MGPW'1)/<::05D]?(IR\2+-P,LKD22ZDE3H0)C$0,,V6"&QM80/#*PA%=\__5
M[^*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0'PG*W$E
MVHIUOK@&9E+4.K=:!#'%+9Y]4-@'0.08#/`7#FF"V%_P7MRVMR7_``7H#"!8
M=:`KF,.O(=UXJ&9M754\G@\G-9!;[@7T,XW%ERMQO]IW2$9>/I!\</IP@;6!
M$,&!@<0QC9L0<(GZ$B)&6AO`=ZD`%FRGF97U`FFF7*OFVNBJSM,!FG:LH+4,
MJ(B`DJSE,A=*9'!+XY6%&-"!='F?4,C0&S*`4`H!0"@%`*`4`H!0"@%`*`4`
MH!0"@%`*`4`H!0"@%`*`4!I*/H!8<8OAR/EHCO$N:<[;2FV<155_OER-PL&G
MNAX.\TIDD9R.)6(%U556GF9$%&L'S@[W$N#T=S)NXXC$W;0@*`4`H!0"@%`*
M`4`H!0"@%`*`4`H!0"@%`*`4`H#_UN_B@%`*`4`H!0"@%`*`4`H#Y*^OH340
MEIT.A:26VV6VDJ*^XG$OJ)-'0D!"1R8RBKK2TKJ(Q=/2TE+3RX@YDR.(&"`"
M'EGGECCC>]FY=7<)%554U%35%;6U#)-')8Y\R8]R,8QC$5SGO<Y4:UK6HJN<
MJHB(BJJP(R?/VT7^FCJ=]8N'_P!L:\>L9\M/NGQ_VFZM_P#[!S']>I?[4?/V
MT7^FCJ=]8N'_`-L:>L9\M/NC[3=6_P#]@YC^O4O]J?;;6Z&G;T<",TV=MAK2
M['4XE$JD-]LMJ=HN77`NJQX7$`DEHR,ENDTHJ:B;&RM@$``'F*)E>UL<;WJ*
M/8MQ'I&^5%'K!L%G"JIZ&@MOFB?6S7HUDN764[WO<MQ&L8V8KG.5;B(B*J^0
MW0_WHCQLPWM(CAQ.9H#!:+D>BY@G`!F5#-':R,=7%/$@6%&+!&#F1(CG8+#(
M0/'//DM?+&U^6T56"*I]#G3.$C-&;,XYUJD=\UI9$R:_!2+L&6Q7NP454BL$
M6"12*^5"D7_S%_#_`/\`U-L+\7+9^4*I/SB7\)KK_JNU7_\`L9U_J)?]N/\`
MS%_#_P#_`%-L+\7+9^4*GSB7\(_U7:K_`/V,Z_U$O^W-F0QQV-)YVEB.X:9*
M5.`3NDUW(C+;@JXQ&^01\%A?.A$".2D=+O@\.5)V'&MTF>`(N6./X;8W_DJ+
M9['*B)&*EXL_XD]7EI<]YJS!FZ3G%*ZLGLE2\.2QK<)ZX*82I.542*W51%O%
MSE3C8`4`H!0"@%`*`4`H!0"@%`*`CI+NW6K\!.0DSIKGN+(M=2DAEG*GM]\/
M%';RL<;YP^I)959+DE`R",*G&%%&-@8"VMS<A2XF-K\N-Z\J]K5@YR(I\IGV
MW5C;,5<N@M#::BHJU\M)C63IK6.5BN<U'HCE1<%7,<B+OM5/(:L_O*N'_P#3
M$UZ^,YL_TZO/K9?RT++]KNJ_]_<U?6)?G']Y5P__`*8FO7QG-G^G4];+^6@^
MUW5?^_N:OK$OSDF8MEV+YN:8+[B!^M626:8/'4P!SLY8)KJ**H)V>(9\G@?(
MB"@9&"F>=K"8\O+C>_X:]HJ.2*+%#Z_,N?<S6BH6YRS#G.35YO5RM29*>CV*
MYO*3"2*13RH;%J)=A0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H
M!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0'_]?M^<K=V@-+RH89TP0*A-@4
MSEFBI#EUOD)V+Q`GS<;8@*CC2]JF6GJYFV=KWN,$E$<+VO:W1VY.6X7#X7=7
M<7]^VM'U3I2^VC0C<'=7<7]^VM'U3I2^VC07#'7>+LZP&NOO9[;*ZJ-9HM9*
M.+CC<:YJU)B>CHB.G@Y&#RDI'C&Z>`!0D4`POF()G>V..-N6]058)%5N%)7U
M]%FNBJLXYQJ62:&2Q7S)CU1K6-:D5<Y5N(B)=55(B?W@+$_]YWPX_B<=?VWZ
M\>ME_+0^$^UW5=^_N:_K$OSC^\!8G_O.^''\3CK^V_3ULOY:#[7=5W[^YK^L
M2_.9@P-O\)5=Z)'\;<1#0!\/=R#CED!JMF"WHK+JP8+$S*@8!3TXINX(8,B`
MD28HN5L<;WL&'E?^2UZBDQBK!')$K\UZR;`9ZKZ?->:+7YOJ<XSE5&2Y<YCG
MN5$5RHUJ+%8(BK>13.]GE3=6*=:MAI12)\U[`58V@V6G\F#HNJ[V)K(*@SF"
MON(D*DG'-M8]&X54PS*=C<`101U8C@+;'(<F:"MD!G%ZJC'*F[!2MMUG*LS-
M8FV.=\VSO5YQI<U5<Z4^#78,R53S'L=@N1S78+FHL'-5JP@J*EPXX/[\?BD?
M2@_]BFN_R250^OF_*_V(<W/]1VN;]\O_`(E#_P!L/[\?BD?2@_\`8IKO\DE/
M7S?E?[$'^H[7-^^7_P`2A_[8E7H]Q:N)?/6VD$0ZX-F$,TBR`^2B`HEW+`\0
M**"*7&)G1\L%0BR6Y&KK,EN<!;EQ(KJ8/R\G(-:W+:_N7-F.>U%=<X#[[5;K
MSUIVCUA64S'GFU'KLUU-4C)C/FU(S":K7+#"93M>FXEUKD7X3I(W<;>U@&F&
MW0[BFC7M5;X.L$^BKJ8BZR2.@+*BC!Q2[,U,@DKI[;=R$D53.$K9A@&QDX^$
M6%RQ$S+#XXW"RJIG(?>4W7UFP^S?6#H.O[+-/.IJVG'L4!,;AZ`+YG>74\!K
M*:.C.0:=XY#1%5P(9URHB>I9.(E8H;56^G.%IGUDB"+R9"%P5,B(+C;FV'#O
M?G6F2L8R^9&U1;4+!:5I\HAW;[2MG;(+638P5:FO78^CA01+HBL12]7I*2%(
MZFX1^X<CQ1.5C>WJV53#QDK;/`$P(2-A@"96SR`%MC</*O=R77CJ9;F'^";8
MZ*J\A,/."JV'&T4!,;AZ`+YG>74\!K*:.C.0:=XY#1%5P(9URHB>I9.(E8H;
M56^G.%IGUDB"+R9"%P5,B(+C;FV'#O?G6F2L8R^9&U1;4+!:5I\HAZ%W=7<7
M]^VM'U3I2^VC5Q.NUP=U=Q?W[:T?5.E+[:-!<'=7<7]^VM'U3I2^VC07#[K:
M;NT!5>2S#QF"!5UL!&<<UI(;6M\A-->/D^;E;(!+<:IM4]$](,WSO:]AA4H]
MA:UKVZ._+RV$+AOJ@%`*`4`H#6DB/MTLGL?NU"TER_VGVAUWQ=JL.IG=[J74
M>K=L>-F68OZ?M;K8G5^S^O<WJPO3]#R@]*!K/Q[2E]"[9?\`6K3K[6-"/"/'
MM*7T+ME_UJTZ^UC0<(\>TI?0NV7_`%JTZ^UC0<)QS?>$W8OO+<^,E-Q1B^8H
M.@:P,L@$W7^H1JHK)TJ%*TTF,%HL/%LA24W\$PR,:S`PP&/!'+"EA+Y@8AW"
M$%HJGEI>\YSI\76TC,F@Y/:JPHDJG-610';/P*I1?#3T%;Z0@ZWS1)J?A*$D
MCXNECKNO!!!%%'4260I(,O),]1ZY[&2=[<@E\D[$&][VZ,3.W+>U?(Q:7SIC
MX6]E%)=_+JGG(6X*.S[K1S%BBOJA/24:N'B-8LHR!I41,7"SOEC@+8$SMR$)
M<//+"]K9<G)>]K__``5-BB;IL#.K*.G?@3ZN4Q\(P<Y$6&_!50_!\[18^C%-
M7QF:1?:]I%-\E?I/-G]XR/ZQOG'SM%CZ,4U?&9I%]KVD4WQ^D\V?WC(_K&^<
MR`AL1(*J6P.I>GNQ2D3$OGB&;(//3,X6$R#RO@)C@.7VU$"ROAGC>U[6O^"]
MN2]1*N5-E3V),DS6OEKY6K%/NI</V>/:4OH7;+_K5IU]K&A,X1X]I2^A=LO^
MM6G7VL:#A'CVE+Z%VR_ZU:=?:QH.$>/:4OH7;+_K5IU]K&@X1X]I2^A=LO\`
MK5IU]K&@X1X]I2^A=LO^M6G7VL:#A'CVE+Z%VR_ZU:=?:QH.$>/:4OH7;+_K
M5IU]K&@X1X]I2^A=LO\`K5IU]K&@X1X]I2^A=LO^M6G7VL:#A'CVE+Z%VR_Z
MU:=?:QH.$DD`)F*""*(`*6S$"#$S+#W!R&+YYX6RR`&R+#&"^0H5[\W*X8F>
M%[V_%RO;DO<0/ZT`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0&AYMFWQ.
M=V?ZL]X^\?;7_IKLCJ?9'9/_`.$JG6.L=J?_`".9S/\`O<[\$B=.]5@_>QB6
M//6>OT1\V_Y;UGK,+\+!A@X/_E=&.%\&X:[CO:KO\]$)H=P^R>VAS`':'>CK
M_5N@)&3G.ZIW=)]-SNK<WDZ7#DYW+_V<E_$NIPWM;@0C\/\`N+?F^U'SZLD4
MGS'`PU5(X<8015W,!-[?)>55'U@H!0"@%`?_T.OW8E->"_)1%0;Z.X3I4!KM
M@@TQLHTDUP*A-Y)4FKQ5R#QF[F\&1;T'NH9(P+]8<#F#-(:Z3R3K<ETDNI"#
M"*&9:Z)2R174+*[??*$J`1."4V`..]&=B01=4X75D7H%I%/.(`%*>JF"(6<F
M!]:2,S1(9.$2`0S(A0$B&`"DR:$"$/$J]7_N)Z/4G>#)ZI<W%OO&.M;NR^WN
MBJC)J>:E5N.1(H"S;@V>LPU3]UCM\F+XJ;)QC#,.H+:_8GIYO9YQW2;[>8ON
MCZ)VQ?D?>-5LSD/O*=(]9NS?6#H.N[+-/,EJVG'L4!83PH?6,:C_``LIWL8J
M5,E8QE\RGJ2VKV&Z\WFN.]'?;S%]T?1.V+\C[QJNF<A]Y3ICK-V;ZP=!UW99
MIYDM6TX]B@)N\-7U@&G?I"QCX3$:F2L8R^9&U1;4+!:5I\HAZ%.W/FH[.>CU
M-/DW<M5[N2Z\=3+<]R;8Z*J\A,/+YJV'&T4!-WAJ^L`T[](6,?"8C4R5C&7S
M(VJ+:A8+2M/E$/2NJXG744`H!0"@%`*`4`H#4$Y+SS:\?FG"R%9&2%%)66X8
M4A5E"&7L3B`*M$BBJF)X(2ND!IZF?#,XX8'!;&@R^%\[]!GG?#+`13=/AHSC
M>!N<UELEG4"XVXCM]1-O1$*(2>51(^.*`Z(+&R.$X,.<LJ#\<2-=14%,F*,8
M!`3\B@]P4_`<CDJ`8RU)%>I][MXZ>7D]0;SXD^:HQ"8Q=()A#M,I$RD]R"4\
MBJL"+=7-8*0C"$"6.M]*5ZRNIH9;$I<$2Z@!*&A`XB/O*7GT13Z)S%\L$[51
M5/+2]YSG5XN=I&9-!R>U5ASUU3FK(H#O/^[Y>KG;?PLRE[)D:KY&+2^=,?"W
MLHI.O5/.0H8^\7^L`1O1ZCGPFD*J>HQG`:S>*[:A(T5(RD\H7J0:SB@._P`X
M"OJSX=]UDO>4YS57R,6AT^\,VR#,/3U7:)A<?4XSZ*`4`H!0"@%`*`4`H!0"
M@%`*`4`H#\*HHETA-458V&>%*IA$VHF0DM+4EM2%+DBXAD8-.144H?6%<]F&
M%>P)4H`.9,"7L&$'GGECC<".WSL8M]JNR_U+MQ?D)H1@/G8Q;[5=E_J7;B_(
M300'SL8M]JNR_P!2[<7Y":"`^=C%OM5V7^I=N+\A-!`?.QBWVJ[+_4NW%^0F
M@@/G8Q;[5=E_J7;B_(300'SL8M]JNR_U+MQ?D)H(#YV,6^U79?ZEVXOR$T$!
M\[&+?:KLO]2[<7Y":"`^=C%OM5V7^I=N+\A-!`?.QBWVJ[+_`%+MQ?D)H(&G
MI9VL-B]@>*L.1&[S>U>W?&7`TJQ?USE[-[+[%\<L>L_MSJ_(8ZSV;UCJW/"Z
MQT?2@<^FJ)KY>!@KNQ^(^6M+G.LS;\R^:3$;AX<;B+N8,-V.^IA#'VI?^#J1
M\GHHJJJU[##=K)[0CA6>3C,@]4,6!Q2VRP&VO/!5%Q-='EG@1*#9X!6RSRM8
M/'/*TF5/F.F-:JW%+1FC/V<ZO.-+33YR+*<JQ3!:GD5=V'P$F/G8Q;[5=E_J
M7;B_(35>9`@/G8Q;[5=E_J7;B_(300'SL8M]JNR_U+MQ?D)H($6MEI9:TH=R
MN[25):9V'WCZ[XQ(6F*(.G[3[!ZMV/XV6(R>\/1]GB=8[/ZSU3G!=/T?3`])
M15G\WP_$?#6S_5O])_(-11"YTUFR.UW,KEG"<3DHT;%-%FHT76^W`+@,FG2N
M%DUI,=%<3J61;"#XWRP)DA\\`[9"96L'AGEC3R,:R^?/V?\`?%#Z2\U2P+YV
M,6^U79?ZEVXOR$U=3+,!\[&+?:KLO]2[<7Y":"`^=C%OM5V7^I=N+\A-!`C)
MLG+S4D\DT@&VDR@FYHYI7&-Y2'"$TQ$"-@<!3\`;)9F6&`RBZX+A<OETN!+(
MQF!:^-Q;86SPOE1U>XR^?$VRQ5!Z3^)I$^J$^#/_T>_B@%`*`A#Q*O5_[B>C
MU)W@R>J7-Q;[QCK6[LOM[HJHR:GFI5;CD2*`LVX-GK,-4_=8[?)B^*FR<8PS
M#J"VOV)Z>;V><=TF^WF+[H^B=L7Y'WC5;,Y#[RG2/6;LWU@Z#KNRS3S):MIQ
M[%`6$\*'UC&H_P`+*=[&*E3)6,9?,IZDMJ]ANO-YKCO1WV\Q?='T3MB_(^\:
MKIG(?>4Z8ZS=F^L'0==V6:>9+5M./8H";O#5]8!IWZ0L8^$Q&IDK&,OF1M46
MU"P6E:?*(>A3MSYJ.SGH]33Y-W+5>[DNO'4RW/<FV.BJO(3#R^:MAQM%`3=X
M:OK`-._2%C'PF(U,E8QE\R-JBVH6"TK3Y1#TKJN)UU%`*`4`H!0"@%`*`_$H
M)J<KDQD]5($E,@8Z/IR*@5`.DQ^B%P'"Z8L9P$!$Z,8/'/'G8WY,L;7M^&UJ
M`PHI$<4D%IQ.,C&,>DG"[\%,-V+Q1EMLLM.@-:#""60W$J`IN!Y;P5@@,,3-
MC(@MA\<,;9\ZUK4$3[))C,I-="H]TYGM8@]%PMB26G>2;Z25="P3QP(!XE%1
M?`*!JJ@6QP2BN-@Q1<\+6+!6Y/R>'(!E-`<1'WE+SZ(I]$YB^6"=JHJGEI>\
MYSJ\7.TC,F@Y/:JPYZZIS5D4!WG_`'?+U<[;^%F4O9,C5?(Q:7SICX6]E%)U
MZIYR%#'WB_U@"-Z/4<^$TA53U&,X#6;Q7;4)&BI&4GE"]2#6<4!W^<!7U9\.
M^ZR7O*<YJKY&+0Z?>&;9!F'IZKM$PR'<7C,ZP:232>@J5F)/3@=R>WD!RC*,
M>M>/55N9$7$7%,D@@C;CE%IJ>1L+`&]A<;D\<,;\G-RR_EJ+YS6+@JBQ*NWN
MO^QNKNT,RS6>\V9SFUS93)BND2Y#I>#,151(S*B4Z*0N_>PWE4BS_P"92T7_
M`'4[8_J+#_R[5X^<LWE_\<)\7_JYU;_W)GS^II?^\'_F4M%_W4[8_J+#_P`N
MU/G+-Y?_`!PC_5SJW_N3/G]32_\`>%Q^JFRK%V^@1A[$QJDNQ#9,A]Z.Q4M\
MD4=-=)7ND\W$QE'M0D@+KF20>F5FR.(!T1X?G%\P\LN9G?(/"<UR/:CDW#/E
MBK79MMW9G-EJ\T2)\O-U5ZS`;.:ULQ/539DEV$C'S&I%TMRI!Z_>JBK!8HDA
M:]'U0H!0"@%`*`4`H!0"@%`*`4!'QGOA\B3`H,MPJ""M-I;;#N>375D='"34
M\,JWG>@MX)`0E(LZ7,.Y#:"170@W$.H`H^8:IF#F1`%+&!`4\1)!T("@%`*`
M4!$/:J1'HP>X?=!='1>UN]':'0%R0_6>H=W>J<[KA8SS>AZX+R<WF\O/_#R_
M@Y*6IF/9@8+H1C\1\G:C.%90_,?FD]68>'&"(L88$-U%WU-*PI-<HN>46BA+
MKN.**2HG#@9PF(32@\!\`TH^8PQRS+D`AL>:,%CE^+E;^2I,F=,=,8BON%FS
M-GG.=3G.DD3ZM72G*L4@V[]ZJ^1"R:K@9%%`*`@=NU_NR_US_P!E*HJS^;X?
MB/A[9_JW^D_D$>-=O?G8OY^?]A%.J>1C67SY^S_OBA])>:I;Q5U,L"@%`0.W
M:_W9?ZY_[*515G\WP_$?#VS_`%;_`$G\@CQKM[\[%_/S_L(IU3R,:R^?/V?]
M\4/I+S5+>*NIE@4!1(J\:_LQ44DWYM'3]G'SA'IO'+T73=4,"%^EZ/Q4B='T
MG1\O-YV7)R\G+?\`EJVKG""JGJ?]O^XP%-UY>JFS97^%XX+E2/SG>6'_`$YN
M!P[%_.D@N,I8[G=Q>MNY_(?8'>'O/T?8MD0'K7:O8;>Y_6>DY>9U:W,Y/\+*
MDV;ZZ5+?@PNJ?0.M+_BO,.;,[_,OF^%.FMP,/#Y."D<+!9N[V#<-,53EK/_2
M[^*`4`H"$/$J]7_N)Z/4G>#)ZI<W%OO&.M;NR^WNBJC)J>:E5N.1(H"S;@V>
MLPU3]UCM\F+XJ;)QC#,.H+:_8GIYO9YQW2;[>8ONCZ)VQ?D?>-5LSD/O*=(]
M9NS?6#H.N[+-/,EJVG'L4!83PH?6,:C_``LIWL8J5,E8QE\RGJ2VKV&Z\WFN
M.]'?;S%]T?1.V+\C[QJNF<A]Y3ICK-V;ZP=!UW99IYDM6TX]B@)N\-7U@&G?
MI"QCX3$:F2L8R^9&U1;4+!:5I\HAZ%.W/FH[.>CU-/DW<M5[N2Z\=3+<]R;8
MZ*J\A,/+YJV'&T4!-WAJ^L`T[](6,?"8C4R5C&7S(VJ+:A8+2M/E$/2NJXG7
M44`H!0"@%`*`4`H!0"@%`*`XB/O*7GT13Z)S%\L$[515/+2]YSG5XN=I&9-!
MR>U5ASUU3FK(H#O/^[Y>KG;?PLRE[)D:KY&+2^=,?"WLHI.O5/.0H8^\7^L`
M1O1ZCGPFD*J>HQG`:S>*[:A(T5(RD\H7J0:SB@._S@*^K/AWW62]Y3G-5?(Q
M:'3[PS;(,P]/5=HF'-]]X,]8PY?@GBWV+.U3U&,X#4SQ2;5ZOJ--S5*1*D&N
M@H#T*.!QZK?5_P#C7_:(ENKA(Q3>'C.IGAQV,V-^E]NJ2V.IIF\4`H!0"@%`
M*`4`H!0"@%`*`PENQNP&DM+;B;#.;B`N.,8R86U1)229$VH#'CHBFH9BB`!8
M<SM-6&$.&K8<VQDZ+F8%MF-GF)<#-J`4`H!0"@(';M?[LO\`7/\`V4JBK/YO
MA^(^'MG^K?Z3^01XUV]^=B_GY_V$4ZIY&-9?/G[/^^*'TEYJEO%74RP*`4!`
M[=K_`'9?ZY_[*515G\WP_$?#VS_5O])_((\:[>_.Q?S\_P"PBG5/(QK+Y\_9
M_P!\4/I+S5+>*NIE@4!R??WJ>Z7[PT#XOF5_^2U9/GM1\M/N(:B_:S;?^\I?
M]3*__$L@+RJ])MU<UCDZ0U$NK/!S>.CMA0*IY)*`,=C2'DWT_F$$X`N3`Z)+
M20,+\S"W.OC?*_+E>][SWO=,DR'O7[Y<+C,IT^=J[/ME+,9USE-1];-^<X2H
MB-1<&<K$N-1$3[UJ)<3X3*==O?G8OY^?]A%.H2,:R^5]G_?%#Z2\U2WBKJ98
M%`<)#K_TH<GZ?6/9$S7S;MU;YH)5^U5/2.XU+HM:O,JB7X3):_QS?JL9[-+]
M)3.MDNX^:>M5'&PS.O)=3__3[.I/)GTE\W*#[9[,,\9QBE%$HT([BB%'PV68
MEJ2F`AD#*PM":G2.J,]MF%&XG1GW*KX!98%C8O6+@DS.0`CP'P66@*T@GU!-
M:F\^T9XRGDBRI;(Y&>L"$36$4Z;.DB;A:JDOZ;):<\VR;,)XE@E-(%.D!,<@
M\\1KX#`Y9AP&Q?$3*7TT=E_U5TZ^R=0<!#GB%PW(J-HUM@JJ.V$_NP@GP1(Q
MLVV7`W-62R(NEP&Z=S$2U4=K:TMIQ@D3F-N8)D14"9FV-[]&-AER96ES<6^\
M8YUN[+[>W/U549-3ST:MQR)%`6*\)=%4G%Q$-949(=SA8BB>=#H#*NUJ%FH<
M<"-F''+R'S&32SX;#R:HHHX860.5CB8;PL&)E?''$2V&>,V3C&&8=0.U^Q/3
MS>SSCM!W<A>1TK3#;I3/;;[".0DG:P3Z?.-U:;>J8",OE2<4NPP8158=NZR(
M#@!3%4$.X`^9$\2.8A"97!'!$YHF-;,Y#[RG2/6;LWU@W/U'7]EFGG4U;3CV
M*`G;PQDD^N[]:M)"6YUQF*!^4"`!1TMHNVC2\B"W3E+*QU++O%O.QL"F<+8W
MM:QU..`\E[\H=[\E[3)6,9?,IZDMJ]A>O-YKCMIW<A>1TK3#;I3/;;[".0DG
M:P3Z?.-U:;>J8",OE2<4NPP8158=NZR(#@!3%4$.X`^9$\2.8A"97!'!$YHF
M-=,Y#[RG3'6;LWU@W/U'7]EFGG4U;3CV*`F-P]$PZL[RZGI2<X5AIGU"=XY*
M%',WP$`RMH1@9Q$L`U1*+NE#<K;&/%,K\\/$\GG"U\K?E`<\>7&\R5C&7S(V
MJ+:A8+2M/E$.[?:6%)*(:R;&'C>WNQ*V5)01+ILRBJC9U-"35<N6C]PC#):B
M*BZO)"P$1/AX7"&R*&RIG$/.]PA@\^;GC7NY+KQU,MSW)MC<_557D)AYP56P
MXVB@)C</1,.K.\NIZ4G.%8:9]0G>.2A1S-\!`,K:$8&<1+`-42B[I0W*VQCQ
M3*_/#Q/)YPM?*WY0'/'EQO,E8QE\R-JBVH6"TK3Y1#T+O$3*7TT=E_U5TZ^R
M=5Q.NW`/$3*7TT=E_P!5=.OLG4'`/$3*7TT=E_U5TZ^R=0<!]UM0_(2$O):N
MJ;53T]$\@9Q'-M9RMW5\J@K85L<L;DE0PSM;VFYPBV5\K7O<DHDQN7&W():W
M+:XAP&^J`4`H!0"@-9R*/,8/8_BE2XS4N=VAV_XQ5UTHG0\G4>RNQ^[3<7^L
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M.4G$660<GB(8-L`&&J+BNB73;.)]]5$S-N!'1#]CV0MQ;"86!N';&V-[97O>
M]K2*C&<!K/XKX?:A3P_NJ1E)Y274@UF%`=Q_!*-;'!</")\([0X2/-6SHE3J
M)AZ.I]I;@S&O(SBN=L:)(;-6$T,+`WS[!7P'ROD':U\K8WO>UJ^1BT.G_AFA
M]D&8.GJNT3#G\XZ@C^%WZ<.<DDV@0<_BPC6PI=CJ2TK(-B=DTYU3(,XO)**H
M7,Y8<O28W`MAC?\`P;WJGJ,9P&I?BDVKU?4:;FJ4YU(-=!0'=OP:36R@?#:U
MPP8"%!IUHX^-_LDR\78_4QQB<L\RC<_VB1166K)@',4[C8@]$8$YP%L,LN;G
M?+&UPD8IO#QG4WPXP^QFQOTOMU26>]>W&]K&M'Z]RE\G533-]SX1U[<;VL:T
M?KW*7R=4%SX1U[<;VL:T?KW*7R=4%SX1U[<;VL:T?KW*7R=4%SX1U[<;VL:T
M?KW*7R=4%SX1U[<;VL:T?KW*7R=4%SX1U[<;VL:T?KW*7R=4%SX220'37!!N
M9L%B8Z(/I\0,L\@;#<RW2V!R$QPSR"MGR\V^5K7O;^6UJ$#^M`*`4`H!0"@%
M`*`4`H!0$#MVO]V7^N?^RE459_-\/Q'P]L_U;_2?R"/&NWOSL7\_/^PBG5/(
MQK+Y\_9_WQ0^DO-4MXJZF6!0"@(';M?[LO\`7/\`V4JBK/YOA^(^'MG^K?Z3
M^01XUV]^=B_GY_V$4ZIY&-9?/G[/^^*'TEYJEO%74RP*`X*:^9.?A?A#_F.:
MB?Q]\KRG5P_)J?\`&XS8JS_<.R'TKM#C=VNWOSL7\_/^PBG49&-9?/H;/^^*
M'TEYJEO%74RP*`X2'7_I0Y/T^L>R)FOFW;JWS02K]JJ>D=QJ71:U>95$OPF2
MU_CF_58SV:7Z2F=;)=Q\T]:J.-AF=>2ZG__4[/Y3UW5W_(1J0"]F=BN+31;S
M""75?):&7(H)LQ\O)TM^18JS+`6""D`Z0>`@1K$3(D'@;*DQ.LCEBXI,X(HI
MFL41.Z6:?:/>=60#Z9%<:9Q%'O88"B&?56\9-M@=0<KKZ]?$N163Q%CHI:Q$
MKU@`$4H9,XF<L3N!0D!(2A`A#Q*O5_[B>CU)W@R>J7-Q;[QCK6[LOM[HJHR:
MGFI5;CD2*`LVX-GK,-4_=8[?)B^*FR<8PS#J"VOV)Z>;V><=TF^WF+[H^B=L
M7Y'WC5;,Y#[RG2/6;LWU@Z#KNRS3S):MIQ[%`6$\*'UC&H_PLIWL8J5,E8QE
M\RGJ2VKV&Z\WFN.]'?;S%]T?1.V+\C[QJNF<A]Y3ICK-V;ZP=!UW99IYDM6T
MX]B@)N\-7U@&G?I"QCX3$:F2L8R^9&U1;4+!:5I\HAZ%.W/FH[.>CU-/DW<M
M5[N2Z\=3+<]R;8Z*J\A,/+YJV'&T4!-WAJ^L`T[](6,?"8C4R5C&7S(VJ+:A
M8+2M/E$/2NJXG744`H!0"@%`*`4`H"-&RZ[BWTEB&U!UI[<;H[O-$ULFHR@X
MX4!7[B-)R&$DGC)K:+"G$OJ"F6P."$;CD\CX``EPQ!Q0,$\Z(H:I`>ZRHQ=K
M6)/3[5F%BH14GFIR7V\OJD?'4^>,XW8BXGM)Q*:-9%6&E@H8KBVI!)PN)&YH
MZ4(ELPL\1\"A@-^!+&+#SH5(QCE3>X1H!Z*+#:!YW@'2&"4=!=!MOIQA?"-I
M88!4---!JH@MA`,0@[`YVOA;'&UN2P@9Y0'$1]Y2\^B*?1.8OE@G:J*IY:7O
M.<ZO%SM(S)H.3VJL.>NJ<U9%`=Y_W?+U<[;^%F4O9,C5?(Q:7SICX6]E%)UZ
MIYR%#'WB_P!8`C>CU'/A-(54]1C.`UF\5VU"1HJ1E)Y0O4@UG%`=_G`5]6?#
MONLE[RG.:J^1BT.GWAFV09AZ>J[1,.;[[P9ZQAR_!/%OL6=JGJ,9P&IGBDVK
MU?4:;FJ4B5(-=!0'H4<#CU6^K_\`&O\`M$2W5PD8IO#QG4SPX[&;&_2^W5);
M'4TS>*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`0.W:_W9?ZY_P"RE459_-\/
MQ'P]L_U;_2?R"/&NWOSL7\_/^PBG5/(QK+Y\_9_WQ0^DO-4M4<SR:#**%S[R
M=;;:1$V8ZF5.N9<2T$H9-W"$&ZJ7,JIHJ",8Z$++/F8Y7RYN-[\G):]76*)N
MJ9-K,X4&;V-FU];)D2W+!%F/:Q%7=@BN5$58)&!C"9-$.K2@324>6(T5E51,
M!$T],3'VUCZ@?-CY6P!*DR155%,FC`V=[6QPPQRRRO?DM:H13?*.3:#,%1-E
MR*?/=&^>]8-:V=+<YRKN(B(Y555WD.262MH-EB$C/\B1V'G,F2)O9U%"9,I+
M3^+E2A4NNGP2Y8L7!<&`0!<`+"V.&&-K8XXVM:UK6M5A?.G(YW_JNW=]34+.
MEJK42\YYQER[25[6-GS$1$J)J(B(]41$1'W$3R(6A1B\':^]1]=W(]W2XWDX
MCBW-@1M?=2VIN%:-!%'>E%B@1A55S1P\.&5+!8AAXY"7MAAC;&W):UK54JYS
MI$E7.55^^W;YES,E;65]CK.U5?5S9]2Y]3%\QSGN6$Q$2+G*JK!+B7;B&Z]=
MO?G8OY^?]A%.HR,:R^?06?\`?%#Z2\U2V)47T)#Z#MI:24?K72]6[442:?UC
MH.CZ;H.MC`]-T/38<[F\O-YUN7^6U76*)NJ91G55-38/SBHER\+<PG(V,-V$
M52,(H?E(.QJJIK`DEN9OJ1P2V>090@LIQPT)B'C?,3+``N9$%RMAAC>][VM^
M"UN6]0BB^4\2JZBGO27)K)3YB^1KVJOW$6)PDU\T:#%^$/\`F.:B?Q]\KRG5
MP_)J?\;C-BK/]P[(?2NT.-W:[>_.Q?S\_P"PBG49&-9?/H;/^^*'TEYJEO%7
M4RP*`X2'7_I0Y/T^L>R)FOFW;JWS02K]JJ>D=QJ71:U>95$OPF2U_CF_58SV
M:7Z2F=;)=Q\T]:J.-AF=>2ZG_]7OXH!0"@(0\2KU?^XGH]2=X,GJES<6^\8Z
MUN[+[>Z*J,FIYJ56XY$B@+-N#9ZS#5/W6.WR8OBILG&,,PZ@MK]B>GF]GG'=
M)OMYB^Z/HG;%^1]XU6S.0^\ITCUF[-]8.@Z[LLT\R6K:<>Q0%A/"A]8QJ/\`
M"RG>QBI4R5C&7S*>I+:O8;KS>:X[T=]O,7W1]$[8OR/O&JZ9R'WE.F.LW9OK
M!T'7=EFGF2U;3CV*`F[PU?6`:=^D+&/A,1J9*QC+YD;5%M0L%I6GRB'H4[<^
M:CLYZ/4T^3=RU7NY+KQU,MSW)MCHJKR$P\OFK8<;10$W>&KZP#3OTA8Q\)B-
M3)6,9?,C:HMJ%@M*T^40]*ZKB==10"@%`*`4`H!0"@%`*`4`H#B(^\I>?1%/
MHG,7RP3M5%4\M+WG.=7BYVD9DT')[56'/75.:LB@.\_[OEZN=M_"S*7LF1JO
MD8M+YTQ\+>RBDZ]4\Y"AC[Q?ZP!&]'J.?":0JIZC&<!K-XKMJ$C14C*3RA>I
M!K.*`[_.`KZL^'?=9+WE.<U5\C%H=/O#-L@S#T]5VB8<WWW@SUC#E^">+?8L
M[5/48S@-3/%)M7J^HTW-4I$J0:Z"@/0HX''JM]7_`.-?]HB6ZN$C%-X>,ZF>
M''8S8WZ7VZI+8ZFF;Q0"@%`*`4`H!0"@%`*`4`H".1US[<AG#>"="&N1I/P,
MCX$31W::32!PR3Q%SL5'-D0-.U(`D9&`MCD(#@8,8!YWOC83.UN=<1N'Y>]6
MXO[B=:/K8RE]BZ@N#O5N+^XG6CZV,I?8NH+A1EQY9DV\86ND/*1H!N05@<FH
M,EBXH&V4DY?<:OE=BNT?L58+"0E"U@42]@>GOGU\U^7!#MU?\/284]0JHUL%
M\IJWXK,[YVS-8ZSL_-&=*FEGNSG@N=)F/E.5OJ)JP56.:JI%$6"W(I$H.T0V
MBVQ7MS=8D4*<99?0BI-;!)8,U^3I)1!F.;(POE`[(KG.XXO3(JB'[WZ,QG9)
M4>:'>]^KB?X-Z>6YWK&??+NFJ&JJV%K:S638>EJ[4YQFTLS.<AKV/J9SFN:L
MQ$5KFN>J.1?*BI!3H,='&$VC;[F<2#FP(#"S1%U72,PL460U/$/)-4#!/(/%
M2N_T:ZACA<'DL/<F4Z7DYW0A<O,QDNKYR.<B-;!%^'SFW==KEM135M932Z"@
M67+FO:D638P:Y42,)Z7;EVX2+*S[+&R4.17)\FM2/&\74S\A$VZ=8BVY11E>
MZ6LIJ6KXK31<"0-@U+)^1$OB6S`7UOM&PH@F>!'F8A">IDQTV5)>Y$BL=S@/
ML9>?JRTMG,Q9WKI<ME3,=4(J2T<C?O7M:D$<YR[B7;NZ9+$)EUDY':YECHK>
M<3J"-&[HZ,ZW.I,UOGAKIIW$8-2<R0T7VHI0093(3/',)).WS$QQPOCC;*XF
M$)&-9?*ZS_OBA])>:I7]]X>69U4M9(3"E2.8E9B.'.X0B<?C^:7A)BF:4_%^
M\L;%#J2XX#B8J0(]5R$SZQ@=,B=)CCAT')E<3"LJ>2V^8C\7O<FS.E4R$XYU
M.'H.OEMY=3QVLF(ZRY`9WCD1$2G`N'6TB*"EBXB5RA15<"<WG8?1B(PO)B(8
M!3#P@6-^=8`2]N;>GE8QE\T^U1;4+!:5I\HA9')&9P21'[FH@%BJAF]'3F?*
MDC8I\F6.9+AZYH`H?'))HYTL"/?+$,;,L7S$PM;*X>%[\VUM?RWWU-@\[^]<
MY]8F<]2WS78RZQ-381+*J*WB35++4M7:2RGN=24W`MC#NTODX@W$V3+12$YK
MA)9O`'`EF65EBY\,3/,7$G</$,2K3V>1?=QF<;,]Q[-])595"1L0F763D=KF
M6.BMYQ.H(T;NCHSK<ZDS6^>&NFG<1@U)S)#1?:BE!!E,A,\<PDD[?,3''"^.
M-LKB8>Y&-9?/J;/^^*'TEYJE0_WC]5F)3^9KXV6)&C)Z#YP_8'B[EETRAVGT
MGB,[5[8[RPM$'8?4NC+=7Z'M'K/2B\_H.BQZ:KJ?P.'XC7KQD_PX_:'YD5T\
M$DX]R/$0B<S';>:KI=6#7E2Q%&>CR5V$WS`.<<N+$Z(:<R&Q)(428I<I?/,+
M#!)'L,)C;#+(*V5Q,94C&(8>\,VU_,/0579YAM&K0?=EY4%FGB-I_K:56D%L
MI[2*>.+N4MI;L5%AQN#K$GJXCD[TM8VRT-,9_92G;`$CU187.T`,KC"]2SQL
M!E</R:G_`!N,V*L_W#LA]+[0XWG$)EUDY':YECHK><3J"-&[HZ,ZW.I,UOGA
MKIIW$8-2<R0T7VHI0093(3/',)).WS$QQPOCC;*XF$9&-9?/H;/^^*'TEYJF
MF.+1O[O3I;'D2.=MLV!(['>KS6T$R=1)`<LXBJ(2>AX*&!4=*=D'P\70@PL\
MN?8P"9.9B7_$N%C;\:J^<]S$16GR7B%UCVFU<9FL[6V9FR6SZFJ>Q_K):3$P
M6LPD@BJD%CY2K#5+C@\0N9=E8-BA1.PZX2$AR:TFD<0SK5"9!16+K2L7)"D#
M+O2DEWJ3;!,XB\W(X`EGQ0+7YV(`E[<V\EDY[GM18053`>K_`,16LJT5M[*Y
MASG54:YOJZZ3*F(V0UKE8]Z(Z#HW%@MQ32;DN-DXE_(R&$$8R6E6XX0`V9@$
M,:YX>XH8(X@!;,<+#/EMCGD&'?*UN6^./+R6L[N4M\G5?M53TCN-2X75\RZ\
M]3H]*GT5O%F@`_I'$;ZX4<ZD=<BFI"C(_;)18:HS13TQ#(D+8@]5,`+*B(;Y
M^?/`+<S'I*QOLTOTE,[62[CYIZU4<;#:E>2Z'__6[^*`4`H"$/$J]7_N)Z/4
MG>#)ZI<W%OO&.M;NR^WNBJC)J>:E5N.1(H"S;@V>LPU3]UCM\F+XJ;)QC#,.
MH+:_8GIYO9YQW2;[>8ONCZ)VQ?D?>-5LSD/O*=(]9NS?6#H.N[+-/,EJVG'L
M4!83PH?6,:C_``LIWL8J5,E8QE\RGJ2VKV&Z\WFN.]'?;S%]T?1.V+\C[QJN
MF<A]Y3ICK-V;ZP=!UW99IYDM6TX]B@)N\-7U@&G?I"QCX3$:F2L8R^9&U1;4
M+!:5I\HAZ%.W/FH[.>CU-/DW<M5[N2Z\=3+<]R;8Z*J\A,/+YJV'&T4!-WAJ
M^L`T[](6,?"8C4R5C&7S(VJ+:A8+2M/E$/2NJXG744`H!0"@%`*`4`H!0"@%
M`*`XB/O*7GT13Z)S%\L$[515/+2]YSG5XN=I&9-!R>U5ASUU3FK(H#O/^[Y>
MKG;?PLRE[)D:KY&+2^=,?"WLHI.O5/.0H8^\7^L`1O1ZCGPFD*J>HQG`:S>*
M[:A(T5(RD\H7J0:SB@._S@*^K/AWW62]Y3G-5?(Q:'3[PS;(,P]/5=HF'-]]
MX,]8PY?@GBWV+.U3U&,X#4SQ2;5ZOJ--S5*1*D&N@H#T*.!QZK?5_P#C7_:(
MENKA(Q3>'C.IGAQV,V-^E]NJ2V.IIF\4`H!0"@%`*`4`H!0"@%`*`B7":FD.
M.7)55V\?>1-*1QE1LFDYVJ+S%4'LXP'0<%<#X,(KGODFH3<03H-T9LXD`B-S
M"=B8SZ(1+LBYX"*[B$M*$!0'-]]Y>\U&!O2%!\F[XJFJ>2V^:E^+WN39G2J9
M"<<R7#5]8!IWZ0L8^$Q&J>5C&7S3[5%M0L%I6GRB%BTJ^^A)'N]>'A"HU;7\
MMU]38/.WO7.?6)G/4N3@;S+=;_T_.GAJG55I[/(ONXS.-F>Y%F^DJLJA(W7;
MWYV+^?G_`&$4Z]R,:R^?4V?]\4/I+S5(;?>7O-1@;TA0?)N^*K*GDMOF(_%[
MW)LSI5,A..9+AJ^L`T[](6,?"8C5/*QC+YI]JBVH6"TK3Y1"Q:5??0DCW>O#
MPA4:MK^6Z^IL'G;WKG/K$SGJ7)P-YENM_P"GYT\-4ZJM/9Y%]W&9QLSW(LWT
ME5E4)&Z[>_.Q?S\_["*=>Y&-9?/J;/\`OBA])>:I5C]Z#_X'?^9?_I_JKJ?P
M.'XC7KQD_P`.?VA^9%9/`5]9A#ON3E[R8N:I4C&(8>\,VU_,/0579YADU6@^
M[+\(?\QS43^/OE>4ZN'Y-3_C<9L59_N'9#Z5VAQN[7;WYV+^?G_813J,C&LO
MGT-G_?%#Z2\U2!7WFOWC-8_A8=_@>#594\EM\PKXP>[=CNO3<DAS?<-7U@&G
M?I"QCX3$:IY6,9?-3-46U"P6E:?*(3W=?^E#D_3ZQ[(F:MCMU;YGJK]JJ>D=
MQJ71:U>95$OPF2U_CF_58SV:7Z2F=;)=Q\T]:J.-AF=>2ZG_U^U.3HFA(JO$
M7$_7W.;=49#>*2UT@J@;3;4M%#/NMP9W+)2.BM1BRTDMI!"-B`\F.!8F5)AW
M_#ES;Y<MQ$PYGP_KF_3ZHFM21MEU0VD@@'!K9;?;NIP!]+-&SQ`HO-XZJ3,2
M).ILG#J8.$"J)@AM/&S"RM@-E>@NF?\`S3HM]M6R_P!='<7Y=J")#GB%ZTQT
MVM&ML'`G..?S)]&@B1E$H`X-L-IG8B#&"K=.BAAJK9=,R++<72.66/((5/%#
M!8;'EQ$#RQO>U2YN+?>,<ZW5_P`K[>Z*J,FIYZ-6XY$B@+%>$NV$UY<1#65L
MJYEPDTY5=#H"-&6H[G6Q'`%@#'+R-8737:QUINNI&%N(!C;+,F=`SS#OD'E>
MX>>>.4V3C&&8=0.U^Q/3S>SSCM!W<UDCA`TPVZ72+DV$'.HNL$^JQ,!:VWVL
M<B,,:3HI=APN$K-UQ30JM]?3!!@;6')'BIDF:"OD$,$('EEA>MF<A]Y3I'K-
M7_+?6#H.O[+-/.IJVG'L4!.WAC-X@[-^M6FXJ&%PJGJ\H$"ALPVG.Y68O!!9
M)REE?-+=+.5D)SHAFU\+<@Y(X7&M;EM;+DO>UYDK&,OF4]26U>PO7F\UQVT[
MN:R1P@:8;=+I%R;"#G476"?58F`M;;[6.1&&-)T4NPX7"5FZXIH56^OI@@P-
MK#DCQ4R3-!7R"&"$#RRPO73.0^\ITQUFK_EOK!T'7]EFGG4U;3CV*`F-P]$,
MDY=Y=3V^HCK!8@LSO'*<;';[A7VFM@ES3B)!"")3F:RFC.1"/8XY<H9HB;+F
M0<OQ@Q,<K6O4R5C&7S(VJ+:A8+2M/E$.[?:75Z-4C638Q6*.;8D4TF01+JB6
M"5-O=LEM-%,$H_<)D$-115J:SZ.KD<Q`K6&*FP!RQ@.]PQ0\\,LL;U[N2Z\=
M3+<K_P#Q-L=%5>0F'G!5;#C:*`F-P]$,DY=Y=3V^HCK!8@LSO'*<;';[A7VF
MM@ES3B)!"")3F:RFC.1"/8XY<H9HB;+F0<OQ@Q,<K6O4R5C&7S(VJ+:A8+2M
M/E$/0N^:=%OMJV7^NCN+\NU7$Z[1'S3HM]M6R_UT=Q?EVH(CYIT6^VK9?ZZ.
MXOR[4$3[K:UOCUIKR6XTMQ3T:4$@SB;*%W+M5M`]$$47''+&V"HUGC,"ZV%L
MMR9WY0#I,P#>_)>^/+:U["$3?5`*`4`H!0&LY%:#\=78_<B6EF+NH=H=I]D-
M-ENCMWK74>I=8[WHZMU'LSJXO,ZOT?2]8RZ3G<S#D$>`UIXHIY^EH\OBHA?]
MCZ"*;P\44\_2T>7Q40O^Q]!%-X>**>?I:/+XJ(7_`&/H(IO''-]X3;CM;&Y\
M9$'G(:G):H-K"RS@"ZJMYL-HP4("2M-((23@1:::EIPH(!@N*-87,.X^60]\
M;Y7QQPM:BJ>6E[SG.KQ=;2,R:#D]JK"B2J<U8%`=L_`JC^4W%H*WU)I3VXH]
M1\I0DD'!N)K#C=P%0S`2B2L.;LHN9O*2KEF:RO:]\+BWPPY/Q;6JND8M+YTQ
M\+</LHI+GY=4\Y"DSCZ-]TMK>1)3G@_E&1U;*"&"9Q<"H@MMNF<"@KB?>(*=
M9/:R<F)EPBV8>>5A+A]+E<2]LLKVMCR2*C&<!K/XK]J%/HJ1E)Y274@UF%`=
MQ_!*CR5W!P\(G5&KL"Y&"BC.B5,"[93F!&B\4)B`R,X@C`V"FY&XHJPV1P?'
M(7*P@N6.%\N;CR8VM:J^1BT.G_AFA]D&8+G\_5=HF'/YQU$)S-W?IPIKM?"A
M(2QC&$:C9N-31&\WS0H`J:<N`4NG-D@FI6.!7&U[6SL%;//E_&O>J>HQG`:E
M^*3:O5]1IN:I3G4@UT%`=V_!ICF6U[AM:X*S8V'<S%0S7C?ZBUD^/8Q7":7T
M$\RB6,]"J.%MGU@UUTX"(9RZ8;/F9#7PPY,,<<;7"1BF\/&=3?#C#[&;&W/^
MK[=4EGOBBGGZ6CR^*B%_V/J:9OBF\/%%//TM'E\5$+_L?013>'BBGGZ6CR^*
MB%_V/H(IO#Q13S]+1Y?%1"_['T$4WAXHIY^EH\OBHA?]CZ"*;P\44\_2T>7Q
M40O^Q]!%-X>**>?I:/+XJ(7_`&/H(IO$D@,!`P00Q1LC`N`0>`@^6&`>0XF.
M%L<QL@P[8AX9"96OE>V-K8VY>2WX*$#^M`*`4`H!0"@%`*`YOOO+WFHP-Z0H
M/DW?%4U3R6WS4OQ>]R;,Z53(3CF2X:OK`-._2%C'PF(U3RL8R^:?:HMJ%@M*
MT^40L6E7WT)(]WKP\(5&K:_ENOJ;!YV]ZYSZQ,YZER<#>9;K?^GYT\-4ZJM/
M9Y%]W&9QLSW(LWTE5E4)&Z[>_.Q?S\_["*=>Y&-9?/J;/^^*'TEYJD-OO+WF
MHP-Z0H/DW?%5E3R6WS$?B][DV9TJF0G',EPU?6`:=^D+&/A,1JGE8QE\T^U1
M;4+!:5I\HA8M*OOH21[O7AX0J-6U_+=?4V#SM[USGUB9SU+DX&\RW6_]/SIX
M:IU5:>SR+[N,SC9GN19OI*K*H2-UV]^=B_GY_P!A%.O<C&LOGU-G_?%#Z2\U
M2K'[T'_P._\`,O\`]/\`574_@</Q&O7C)_AS^T/S(K)X"OK,(=]R<O>3%S5*
MD8Q##WAFVOYAZ"J[/,,FJT'W9?A#_F.:B?Q]\KRG5P_)J?\`&XS8JS_<.R'T
MKM#C=VNWOSL7\_/^PBG49&-9?/H;/^^*'TEYJD"OO-?O&:Q_"P[_``/!JLJ>
M2V^85\8/=NQW7IN20YON&KZP#3OTA8Q\)B-4\K&,OFIFJ+:A8+2M/E$)[NO_
M`$H<GZ?6/9$S5L=NK?,]5?M53TCN-2Z+6KS*HE^$R6O\<WZK&>S2_24SK9+N
M/FGK51QL,SKR74__T.UR5H3>TCN5#=J<_"[9,(BQ'6!=M#I1%Q(H"*R)M19(
M651+5#":GJR:X7PA-M-".@<T4L&83"H.`G1XC&!Q&-P^C$<5/)GGV=B[#C9%
M3(HBWQ0,<9NF%08^YD84VU\CKJ=I913B)="4S!%B)6`*:5%40BHV9S/K@N(P
M>`0$BZ$"$/$J]7_N)Z/4G>#)ZI<W%OO&.M;NR^WNBJC)J>:E5N.1(H"S;@V>
MLPU3]UCM\F+XJ;)QC#,.H+:_8GIYO9YQW2;[>8ONCZ)VQ?D?>-5LSD/O*=(]
M9NS?6#H.N[+-/,EJVG'L4!83PH?6,:C_``LIWL8J5,E8QE\RGJ2VKV&Z\WFN
M.]'?;S%]T?1.V+\C[QJNF<A]Y3ICK-V;ZP=!UW99IYDM6TX]B@)N\-7U@&G?
MI"QCX3$:F2L8R^9&U1;4+!:5I\HAZ%.W/FH[.>CU-/DW<M5[N2Z\=3+<]R;8
MZ*J\A,/+YJV'&T4!-WAJ^L`T[](6,?"8C4R5C&7S(VJ+:A8+2M/E$/2NJXG7
M44`H!0"@%`*`4`H"*&U##4'V!$Y<Z755".$=^J:G)*>@L)OR6LXD1&`\$YKJ
MA9F.1MO,@M%R;L.E0!L.Q5?("QO$S8N%<"R@0$4\IB:@V#1]B:_@RU#IMXMQ
MFQW@WW_%B6T2;G2T:43[`9/=Y63FQFHK)):16_E9:;@)@`R?*)QI7L.,/@6*
MF#Y<"3\6)3C0HQCE$>)@8V[D=AM!*=)LR?R53!IQI[?3RBX8'4\Q!<U$893!
M%RR'OGE<;*]\[WOR\M"!GE`<1'WE+SZ(I]$YB^6"=JHJGEI>\YSJ\7.TC,F@
MY/:JPYZZIS5D4!WG_=\O5SMOX692]DR-5\C%I?.F/A;V44G7JGG(4,?>+_6`
M(WH]1SX32%5/48S@-9O%=M0D:*D92>4+U(-9Q0'?YP%?5GP[[K)>\ISFJOD8
MM#I]X9MD&8>GJNT3#F^^\&>L8<OP3Q;[%G:IZC&<!J9XI-J]7U&FYJE(E2#7
M04!Z%'`X]5OJ_P#QK_M$2W5PD8IO#QG4SPX[&;&_2^W5);'4TS>*`4`H!0"@
M%`*`4`H!0"@%`*`4`H#F^^\O>:C`WI"@^3=\535/);?-2_%[W)LSI5,A..9+
MAJ^L`T[](6,?"8C5/*QC+YI]JBVH6"TK3Y1"Q:5??0DCW>O#PA4:MK^6Z^IL
M'G;WKG/K$SGJ7)P-YENM_P"GYT\-4ZJM/9Y%]W&9QLSW(LWTE5E4)&Z[>_.Q
M?S\_["*=>Y&-9?/J;/\`OBA])>:I#;[R]YJ,#>D*#Y-WQ594\EM\Q'XO>Y-F
M=*ID)QS)<-7U@&G?I"QCX3$:IY6,9?-/M46U"P6E:?*(6+2K[Z$D>[UX>$*C
M5M?RW7U-@\[>]<Y]8F<]2Y.!O,MUO_3\Z>&J=56GL\B^[C,XV9[D6;Z2JRJ$
MC==O?G8OY^?]A%.O<C&LOGU-G_?%#Z2\U2K'[T'_`,#O_,O_`-/]5=3^!P_$
M:]>,G^'/[0_,BLG@*^LPAWW)R]Y,7-4J1C$,/>&;:_F'H*KL\PR:K0?=E^$/
M^8YJ)_'WRO*=7#\FI_QN,V*L_P!P[(?2NT.-W:[>_.Q?S\_["*=1D8UE\^AL
M_P"^*'TEYJD"OO-?O&:Q_"P[_`\&JRIY+;YA7Q@]V['=>FY)#F^X:OK`-._2
M%C'PF(U3RL8R^:F:HMJ%@M*T^40GNZ_]*')^GUCV1,U;';JWS/57[54]([C4
MNBUJ\RJ)?A,EK_'-^JQGLTOTE,ZV2[CYIZU4<;#,Z\EU/__1[^*`4`H"$/$J
M]7_N)Z/4G>#)ZI<W%OO&.M;NR^WNBJC)J>:E5N.1(H"S;@V>LPU3]UCM\F+X
MJ;)QC#,.H+:_8GIYO9YQW2;[>8ONCZ)VQ?D?>-5LSD/O*=(]9NS?6#H.N[+-
M/,EJVG'L4!83PH?6,:C_``LIWL8J5,E8QE\RGJ2VKV&Z\WFN.]'?;S%]T?1.
MV+\C[QJNF<A]Y3ICK-V;ZP=!UW99IYDM6TX]B@)N\-7U@&G?I"QCX3$:F2L8
MR^9&U1;4+!:5I\HAZ%.W/FH[.>CU-/DW<M5[N2Z\=3+<]R;8Z*J\A,/+YJV'
M&T4!-WAJ^L`T[](6,?"8C4R5C&7S(VJ+:A8+2M/E$/2NJXG744`H!0"@%`*`
M4`H!0"@%`*`XB/O*7GT13Z)S%\L$[515/+2]YSG5XN=I&9-!R>U5ASUU3FK(
MH#O/^[Y>KG;?PLRE[)D:KY&+2^=,?"WLHI.O5/.0H8^\7^L`1O1ZCGPFD*J>
MHQG`:S>*[:A(T5(RD\H7J0:SB@._S@*^K/AWW62]Y3G-5?(Q:'3[PS;(,P]/
M5=HF'-]]X,]8PY?@GBWV+.U3U&,X#4SQ2;5ZOJ--S5*1*D&N@H#T*.!QZK?5
M_P#C7_:(ENKA(Q3>'C.IGAQV,V-^E]NJ3G@XP&\&X$/\178>.HMV3F1@,1N^
M*7L)I-1]+J,@)/:T&1FNJ?4$TF;#+%NOK"F8,B\W&W/&&SRO^'*]4\Z8]LQR
M(Y8?[C5;7QK&MYF'6M:K-.9;75]+FV5\VP)4N<]C&X5'3O=@M18)A/<YR[ZJ
MJ^4K3_O*N(!],387XSG-_3JE^MF?+4Q%]KNM#]_<Z_6)GG']Y5Q`/IB;"_&<
MYOZ=3ULSY:C[7=:'[^YU^L3/.=U'"KD%\2KP_P#6Z0))=:Z^'NY&TYC*^ZG,
MHF%9<6#!60G>GEQE!1-YB&#(@)$F$%C?*][V##QM_):JV4JK+:JK=.D>I7.F
M<<]:K[)9TSO6S:G.,Z3,5\R8Y7/<J3YK45SENK!$1+R(6#5,,I"@%`*`4`H!
M0"@%`*`4`H#F^^\O>:C`WI"@^3=\535/);?-2_%[W)LSI5,A..9+AJ^L`T[]
M(6,?"8C5/*QC+YI]JBVH6"TK3Y1"Q:5??0DCW>O#PA4:MK^6Z^IL'G;WKG/K
M$SGJ7)P-YENM_P"GYT\-4ZJM/9Y%]W&9QLSW(LWTE5E4)&Z[>_.Q?S\_["*=
M>Y&-9?/J;/\`OBA])>:I#;[R]YJ,#>D*#Y-WQ594\EM\Q'XO>Y-F=*ID)QS)
M<-7U@&G?I"QCX3$:IY6,9?-/M46U"P6E:?*(6+2K[Z$D>[UX>$*C5M?RW7U-
M@\[>]<Y]8F<]2Y.!O,MUO_3\Z>&J=56GL\B^[C,XV9[D6;Z2JRJ$C==O?G8O
MY^?]A%.O<C&LOGU-G_?%#Z2\U2K'[T'_`,#O_,O_`-/]5=3^!P_$:]>,G^'/
M[0_,BLG@*^LPAWW)R]Y,7-4J1C$,/>&;:_F'H*KL\PR:K0?=E^$/^8YJ)_'W
MRO*=7#\FI_QN,V*L_P!P[(?2NT.-W:[>_.Q?S\_["*=1D8UE\^AL_P"^*'TE
MYJD"OO-?O&:Q_"P[_`\&JRIY+;YA7Q@]V['=>FY)#F^X:OK`-._2%C'PF(U3
MRL8R^:F:HMJ%@M*T^40GNZ_]*')^GUCV1,U;';JWS/57[54]([C4NBUJ\RJ)
M?A,EK_'-^JQGLTOTE,ZV2[CYIZU4<;#,Z\EU/__2[^*`4`H"$/$J]7_N)Z/4
MG>#)ZI<W%OO&.M;NR^WNBJC)J>:E5N.1(H"S;@V>LPU3]UCM\F+XJ;)QC#,.
MH+:_8GIYO9YQW2;[>8ONCZ)VQ?D?>-5LSD/O*=(]9NS?6#H.N[+-/,EJVG'L
M4!83PH?6,:C_``LIWL8J5,E8QE\RGJ2VKV&Z\WFN.]'?;S%]T?1.V+\C[QJN
MF<A]Y3ICK-V;ZP=!UW99IYDM6TX]B@)N\-7U@&G?I"QCX3$:F2L8R^9&U1;4
M+!:5I\HAZ%.W/FH[.>CU-/DW<M5[N2Z\=3+<]R;8Z*J\A,/+YJV'&T4!-WAJ
M^L`T[](6,?"8C4R5C&7S(VJ+:A8+2M/E$/2NJXG744`H!0"@%`*`4`H!0"@%
M`*`XB/O*7GT13Z)S%\L$[515/+2]YSG5XN=I&9-!R>U5ASUU3FK(H#O/^[Y>
MKG;?PLRE[)D:KY&+2^=,?"WLHI.O5/.0H8^\7^L`1O1ZCGPFD*J>HQG`:S>*
M[:A(T5(RD\H7J0:SB@._S@*^K/AWW62]Y3G-5?(Q:'3[PS;(,P]/5=HF'-]]
MX,]8PY?@GBWV+.U3U&,X#4SQ2;5ZOJ--S5*1*D&N@H#T*.!QZK?5_P#C7_:(
MENKA(Q3>'C.IGAQV,V-^E]NJ3DZXX_K2-H/X*?V=XDJDGXUW!Q&D7B.VS6R^
MB=AIBIRI1A`4!Z*O!L]6?JG[DW;Y3GQ5QDXMAU:U!;(+$]!-[1.+-JF&810"
M@%`*`4`H!0"@(FD&$X'@NO`BU=ZIP.'FJO9I3G;S:3=.56S*5C8`:J7;2F&+
MJ^JJB:;+)IP+/``\-F<Z#+#,3+*^7/R$>`^WXB92^FCLO^JNG7V3J#@'B)E+
MZ:.R_P"JNG7V3J#@.?S[P]'+P9FLD)GW'/DM2R5-3N$4`19`1H*34Q-,>+]Y
M#=J$A8KA:,U@0]8,+(+FF#9@MT8F5^AY]L,\::IY+;YJ5XO>Y-F;GZU3(3CG
M4X>B8=6=Y=3TI.<*PTSZA.\<E"CF;X"`96T(P,XB6`:HE%W2AN5MC'BF5^>'
MB>3SA:^5OR@.>/+C>GE8QE\T^U1;4+!:5I\HA9')``I61'Z5'.F5(<L]'2`,
MHG<"89P^*"N'@Q#IO!.*$$_`R:SQN()8```&V>5^8'ACR8VMK^6^^IL'G?WK
MG/K$SGJ6^:[(JD2U-A%9,NYPJZ<MK4M!IC24"S4#;[/S2W:7!/#MTRE-A,=1
MD5R"&,!CME935,`Q`,+%,2H=Q,!*M/9Y%]W&9QLSW'LWTE5E4)&Q"BJ3BD=K
MHR0[G"Q%$\:-AE7:U"S4..!&S#33H^8R:6?#8>35%%'#"R!RL<3#>%@Q,KXX
MXB6PSQ]R,:R^?4V?]\4/I+S5*_OO#T<O!F:R0F?<<^2U+)4U.X10!%D!&@I-
M3$TQXOWD-VH2%BN%HS6!#U@PL@N:8-F"W1B97Z'GVPSQK*GDMOF(_%[W)LS<
M_6J9"<<ZG#T3#JSO+J>E)SA6&F?4)WCDH4<S?`0#*VA&!G$2P#5$HNZ4-RML
M8\4ROSP\3R><+7RM^4!SQY<;T\K&,OFGVJ+:A8+2M/E$+(Y(`%*R(_2HYTRI
M#EGHZ0!E$[@3#.'Q05P\&(=-X)Q0@GX&36>-Q!+````VSROS`\,>3&UM?RWW
MU-@\[^]<Y]8F<]2WS79%4B6IL(K)EW.%73EM:EH-,:2@6:@;?9^:6[2X)X=N
MF4IL)CJ,BN00Q@,=LK*:I@&(!A8IB5#N)@)5I[/(ONXS.-F>X]F^DJLJA(V(
M452<4CM=&2'<X6(HGC1L,J[6H6:AQP(V8::='S&32SX;#R:HHHX860.5CB8;
MPL&)E?''$2V&>/N1C67SZFS_`+XH?27FJ5#_`'C]B.ED_,U[RS3)<O\`:?SA
M^I>,1*AU,[O=2\1G6>Q_%-$T7]/VMUL/K':'7N;U8+H.AY1NEJZG\#A^(UZ\
M9/\`#C]H?F173P26\KNGB(1.C(;[=4;J)AKRH("[6639!YP$<"\<N(84`J6D
M1FOUJYA'@\+@BW'3!L[!YWN'D&)S<\94C&(8>\,VU_,/0579YAM&K0?=EY4%
MH*HGZ?ZVK9MZ.9<3'!XXNR6>J%6<"W&-V5)ZN4/]UC2*TT=VF^\QC.QH]VVJ
M+'1CX6L3ZH#S@<KA^34_XW&;%6?[AV0^E]H<;SB%%4G%([71DAW.%B*)XT;#
M*NUJ%FH<<"-F&FG1\QDTL^&P\FJ**.&%D#E8XF&\+!B97QQQ$MAGC&1C67SZ
M&S_OBA])>:I6M]XICQW,N&-<S3DG659;`.R>Z@"R=(21"":32!0VH$)F=3LX
MIAN,E`4R/A^3SL;'-`VP_P`$/'+\:JRIY+;YA;Q@]V['=>FY)#G\X>B8=6=Y
M=3TI.<*PTSZA.\<E"CF;X"`96T(P,XB6`:HE%W2AN5MC'BF5^>'B>3SA:^5O
MR@.>/+C>GE8QE\U+U1;4+!:5I\HA84Y`\PG$OA"#BF<PUI5#S,CV!Q&,9X'A
M\<AQL2P)<OB*+>W.RL&'AA:]_P`7&UN2UK8[E+?,]5?M53TCN-2X75]%4BVI
MT>K@SN<*@F*;^D<H29ILLU,&VW3!`9'ZTJ(YH@V"3O'/+?3X]:Q4%4\6PZ'#
MJX)?E$Y]8WV:7Z2F=K)=Q\T]:J.-AM2O)=#_T^S25XAU4L]BZL_=18U?RN\%
MYJE73)BC"$4+98DLOQREF4UAW0Y'87)KCC/*S@&"+BXI8:P;3P\@ACV!8N,7
M%%$;N^8HP(/T9D,_B23=-X.1PU)O@O%H*#AUYB`D0?K)'-XDPG<U<BB2H&KI
MG2&"N8A=0"(*0`)XJ(,5#P,!7R"[OFV/F7:=?1.UH^(F+?V5H(KOD.>(7J?J
MRT]&ML',UM:8`;3C0H(D941'`WX;CI&6T93)MTZ,444I53FX6/IYXJ+C;(,8
M$3`3#*UKXWM>I<W%OO&.=;JK]E]O;OZJJ,FIYZ-6XY$B@+%>$NT6H^^(AK*T
MGPV&\\FJLNAT`K#9=:*FN)OJH($<O(X"$I(RN6.)QX($V7#%QQ%#SMB)ACE;
M\.-KVFR<8PS#J!VOV)Z>;V><=H.[FI&J;;TPVZ<3=UDU[0'`@:P3ZM(2ZBPO
M'"4LHJRE12[#R8K)*F1;8!U.4TXZ!@,`.#G@*"+ACGAE;*UKU6S.0^\ITCUF
MJOV;ZP;OZCK^RS3SJ:MIQ[%`3MX8S8;3SWZU::SQ;R&[&PMR@0)+3<<J2074
M%7)YIREGD45$A4+FD\^6RSPM>X8H>>%[VM?D_!4R5C&7S*>I+:O87KS>:X[:
M=W-2-4VWIAMTXF[K)KV@.!`U@GU:0EU%A>.$I915E*BEV'DQ625,BVP#J<II
MQT#`8`<'/`4$7#'/#*V5K7JNF<A]Y3ICK-5?LWU@W?U'7]EFGG4U;3CV*`F-
MP]&\@.S>74]LNE#1W*VUV=XY2UMON!,)+*(LIIMQ$@3:<JI2B`9(*!$T%E?$
M0$8/,//&_)>U[5,E8QE\R-JBVH6"TK3Y1#NWVEU"U-1-9-C%I%U>UV2%A(@B
M751)5DN%(U(*28I$(_<)LBHIQXHV0C1(\2-!8"`C!YXB!B8VRQO:]K7JO=R7
M7CJ9;E5_P3;&[^JJO(3#S@JMAQM%`3&X>C>0'9O+J>V72AH[E;:[.\<I:VWW
M`F$EE$64TVXB0)M.54I1`,D%`B:"ROB(",'F'GC?DO:]JF2L8R^9&U1;4+!:
M5I\HAWOS=IWJ,FPO+RBG:LZY$%`A%[_.D#Y*$(S*G"1PJU%8<J;*&@&P&.6,
MEAP\<PQ,,L<\,\;7M>U[5<';BWCJU:95_P`-VAN_D,_)//-:JUG%\4!+'0GS
MZ-+O2QUT\L#.KW+Y;+Z'W&K+:1J^TY0]JE'IM5<CL&*`4`H!0&B9S;\3*2>W
M%267R]&.0)*)M(0AVE.LNPK965%DM@>&3S(<4OUDBNXV`G-\4T'@;Q.9)Y0`
MV.'T(/6L[@:J=,*:X,E&3W$[I;G-NH:L*&"EJJKO3MN4(J>8A`RK7NGF!)\M
M@="!1B1@\-F'?+``@7&,B7Q`!$$Q$;IF`&JD3F003)9W[)&"Y@(,<`<#=7<(
M4$<$7"P@0P(H<\98"!"896RQRQO>U[7Y;4$3^GS3HM]M6R_UT=Q?EVH(G'-]
MX3CU`C7<^,D)NJ#Y421O6!EJPH[_`).DJ5UG`T/*TTD\PBSBE)V/)P$DS$$A
MA?`D":#)ABY""X!8B#"YYT53RTO><YT^+K:1F30<GM584253FK(H#MGX%4"L
M>0M!6^XUY=F@@H"2A))3(NQ]D-AXR0;!%5$EB%F&UHVE%IM@(SE;+\H/B3L,
M-?DN)EE>UKU7R,6E\Z8^%O912=>J><A29Q]&$AQSO*DM]OGGHH$,X(8"C<=]
MR1(DI+=C!EQ/L(0/!S2<Z7>XPR..)?&X97$W8L%E?++`/'+/.^5/48S@-9O%
M?M0I]%2,I/*2ZD&LXH#N/X),`,1^\.^)W,N+TV$5$XZ)4"&+,O9;8Z-V_A@3
MD9Q%0KE6E'<JM9JD!<PPK7%S`)!YCB7N()?,3++*]?(Q:'3_`,,R_P"4&8>G
MJNT3#G\XZC(1H^WZ<+<03KO/IX481J;Q,/B07[)J]<4TFG,Q<!'3)+E=CG&+
M8WQ_)@YG,@0;?@#QQM>]JIZC&<!J7XI-J]7U&FYJE.=2#704!W;\&G7IA/GA
MM:X.E:7YQ)*:IXW^LE6?L[LI'C<"ZE/,HIP/9S/8$LMEI(_/+E,,ANJ$0.L#
MWS'%YXP@@F=PD8IO#QG4WPX[&;&_2^W5)S"\99II;&XDNQ[6133F.IB7XH.K
M&G@]'C(;C%Z[`T7*(W:+P?Z\YG:L<PP;SQ!ZV>'ZN!;``+F`AAAX4D_&NX.(
MTA\1VV:V7T3L-,5A5*,("@.]_A+ZZQ^\N'?K*YE=P3L3455KN@8T6:FT>S3$
M;X68,C/(KA9-:3'EUNM5&"N&!C?+`F2`PS$OD)E:XF>>65QE8MAU;U`[(+$]
M!-[1.*Q]UN)XV]3-H9;UX3X3G1[$XS6$=+`=)WB/;L(9E7Q5&L@N/(85*`D)
M3")W!S6;A6QL.)SK!VRY;<O):4^>K7*W!W#%&L/Q-5]A[99]LK*LA)J)=',:
MU)BU#F*["ELF15J2G(D,.&ZNY$BU_?C(_P!&J:O_`/33=W]M*\_.5^0?%_ZQ
M<Y_N'(^M._L!_?C(_P!&J:O_`/33=W]M*?.5^0/]8N<_W#D?6G?V!V':M2Z/
M/NN,(S490\6R/*,:-)["M[!6-+V*-FO)!8]=.LM'@"QQ5N6Z7FW,"AXB"WMS
MLK<M[U4M=A-:[?-QK&Y_?:FRMGK23*9)+ZZDESEEH["1BS&H[!1RHD81A&"1
MWC?=>CZ44`H!0"@-<-9HG$)]R4X<@R(*6[16J.FA%+\T;IDM,-@*PQP#$$,,
M,4R?,W$YULL[B7RRRRY+WORB/D0V/0@*`YOOO+WFHP-Z0H/DW?%4U3R6WS4O
MQ>]R;,Z53(3CF2X:OK`-._2%C'PF(U3RL8R^:?:HMJ%@M*T^40L6E7WT)(]W
MKP\(5&K:_ENOJ;!YV]ZYSZQ,YZER<#>9;K?^GYT\-4ZJM/9Y%]W&9QLSW(LW
MTE5E4)&Z[>_.Q?S\_P"PBG7N1C67SZFS_OBA])>:I#;[R]YJ,#>D*#Y-WQ59
M4\EM\Q'XO>Y-F=*ID)QS)<-7U@&G?I"QCX3$:IY6,9?-/M46U"P6E:?*(6+2
MK[Z$D>[UX>$*C5M?RW7U-@\[>]<Y]8F<]2Y.!O,MUO\`T_.GAJG55I[/(ONX
MS.-F>Y%F^DJLJA(W7;WYV+^?G_813KW(QK+Y]39_WQ0^DO-4JQ^]!_\``[_S
M+_\`3_574_@</Q&O7C)_AS^T/S(K)X"OK,(=]R<O>3%S5*D8Q##WAFVOYAZ"
MJ[/,,FJT'W9?A#_F.:B?Q]\KRG5P_)J?\;C-BK/]P[(?2NT.-W:[>_.Q?S\_
M["*=1D8UE\^AL_[XH?27FJ0*^\U^\9K'\+#O\#P:K*GDMOF%?&#W;L=UZ;DD
M.;[AJ^L`T[](6,?"8C5/*QC+YJ9JBVH6"TK3Y1">[K_TH<GZ?6/9$S5L=NK?
M,]5?M53TCN-2Z+6KS*HE^$R6O\<WZK&>S2_24SK9+N/FGK51QL,SKR74_]3N
M%=D9OIU2(PG89?;5S:;&/&54)AJ$>*QX`XMCJI\,NY@U@M)"9T3D1F8:[.(9
MFBAX@5/"F%'J>0N10(D(G_8RATXP3Z(,IN[O.GL5C6C&,R.*`$BCMQD7-I!@
MR&OG@U-0LZ7,HEVNC@&#P8*<6O@FX9!DPLQ1\A`-Y4($(>)5ZO\`W$]'J3O!
MD]4N;BWWC'6MW9?;W151DU/-2JW'(D4!9MP;/68:I^ZQV^3%\5-DXQAF'4%M
M?L3T\WL\X[I-]O,7W1]$[8OR/O&JV9R'WE.D>LW9OK!T'7=EFGF2U;3CV*`L
M)X4/K&-1_A93O8Q4J9*QC+YE/4EM7L-UYO-<=Z.^WF+[H^B=L7Y'WC5=,Y#[
MRG3'6;LWU@Z#KNRS3S):MIQ[%`3=X:OK`-._2%C'PF(U,E8QE\R-JBVH6"TK
M3Y1#T*=N?-1V<]'J:?)NY:KW<EUXZF6Y[DVQT55Y"8>7S5L.-HH";O#5]8!I
MWZ0L8^$Q&IDK&,OF1M46U"P6E:?*(>BK/GO%S3\$TC>!ZS5P7<6\=6;3=V[0
M]1GY)YY9M6LXP"@)8Z$^?1I=Z6.NGE@9U>Y?+9?0^XU9;2-7VG*'M4H]-JKD
M=@Q0"@%`*`U5+B8\E=O@$&>AIZY<Z,<(+8=WRO1JYTY+/I9XN"JLQZ-Y.43J
M0LDU?(M<;\`5\B%Q[X9YBX8%QP-<%F');03(;.MY!9;G7(I81J-#:$,OBLIM
MJY98:S##%=C?[/:*R`@"H[H9]B093JEK`H1LX(#SQ>B(C")N6,VF,PHWCYBF
M3@2B89;(:C3'4``LP`3PS<02".*<!`$SSS!"-9D[YXX997OC;+DO>]"!F]`<
M1'WE+SZ(I]$YB^6"=JHJGEI>\YSJ\7.TC,F@Y/:JPYZZIS5D4!WG_=\O5SMO
MX692]DR-5\C%I?.F/A;V44G7JGG(4,?>+_6`(WH]1SX32%5/48S@-9O%=M0D
M:*D92>4+U(-9Q0'?YP%?5GP[[K)>\ISFJOD8M#I]X9MD&8>GJNT3#F^^\&>L
M8<OP3Q;[%G:IZC&<!J9XI-J]7U&FYJE(E2#704!Z%'`X]5OJ_P#QK_M$2W5P
MD8IO#QG4SPX[&;&_2^W5)R=<<?UI&T'\%/[.\2523\:[@XC2+Q';9K9?1.PT
MQ4Y4HP@*`]%7@V>K/U3]R;M\ISXJXR<6PZM:@MD%B>@F]HG''!QD_68;6>ZQ
MI>3%CU1SL8\T&U^[7[;=/*[/)*R:E&'A0'I6\-7U?^G?H]1CX,D:N,K%LO'7
M;5%LOL%HJGR:$WJF&110"@%`*`4`H!0'-]]Y>\U&!O2%!\F[XJFJ>2V^:E^+
MWN39G2J9"<<R7#5]8!IWZ0L8^$Q&J>5C&7S3[5%M0L%I6GRB%BTJ^^A)'N]>
M'A"HU;7\MU]38/.WO7.?6)G/4N3@;S+=;_T_.GAJG55I[/(ONXS.-F>Y%F^D
MJLJA(W7;WYV+^?G_`&$4Z]R,:R^?4V?]\4/I+S5(;?>7O-1@;TA0?)N^*K*G
MDMOF(_%[W)LSI5,A..9+AJ^L`T[](6,?"8C5/*QC+YI]JBVH6"TK3Y1"Q:5?
M?0DCW>O#PA4:MK^6Z^IL'G;WKG/K$SGJ7)P-YENM_P"GYT\-4ZJM/9Y%]W&9
MQLSW(LWTE5E4)&Z[>_.Q?S\_["*=>Y&-9?/J;/\`OBA])>:I5C]Z#_X'?^9?
M_I_JKJ?P.'XC7KQD_P`.?VA^9%9/`5]9A#ON3E[R8N:I4C&(8>\,VU_,/057
M9YADU6@^[+\(?\QS43^/OE>4ZN'Y-3_C<9L59_N'9#Z5VAQN[7;WYV+^?G_8
M13J,C&LOGT-G_?%#Z2\U2!7WFOWC-8_A8=_@>#594\EM\PKXP>[=CNO3<DAS
M?<-7U@&G?I"QCX3$:IY6,9?-3-46U"P6E:?*(3W=?^E#D_3ZQ[(F:MCMU;YG
MJK]JJ>D=QJ71:U>95$OPF2U_CF_58SV:7Z2F=;)=Q\T]:J.-AF=>2ZG_U>_B
M@%`*`A#Q*O5_[B>CU)W@R>J7-Q;[QCK6[LOM[HJHR:GFI5;CD2*`LVX-GK,-
M4_=8[?)B^*FR<8PS#J"VOV)Z>;V><=TF^WF+[H^B=L7Y'WC5;,Y#[RG2/6;L
MWU@Z#KNRS3S):MIQ[%`6$\*'UC&H_P`+*=[&*E3)6,9?,IZDMJ]ANO-YKCO1
MWV\Q?='T3MB_(^\:KIG(?>4Z8ZS=F^L'0==V6:>9+5M./8H";O#5]8!IWZ0L
M8^$Q&IDK&,OF1M46U"P6E:?*(>A3MSYJ.SGH]33Y-W+5>[DNO'4RW/<FV.BJ
MO(3#R^:MAQM%`3=X:OK`-._2%C'PF(U,E8QE\R-JBVH6"TK3Y1#T59\]XN:?
M@FD;P/6:N"[BWCJS:;NW:'J,_)//+-JUG&`4!+'0GSZ-+O2QUT\L#.KW+Y;+
MZ'W&K+:1J^TY0]JE'IM5<CL&*`4`H!0"@%`*`4!Q$?>4O/HBGT3F+Y8)VJBJ
M>6E[SG.KQ<[2,R:#D]JK#GKJG-610'>?]WR]7.V_A9E+V3(U7R,6E\Z8^%O9
M12=>J><A0Q]XO]8`C>CU'/A-(54]1C.`UF\5VU"1HJ1E)Y0O4@UG%`=_G`5]
M6?#ONLE[RG.:J^1BT.GWAFV09AZ>J[1,.;[[P9ZQAR_!/%OL6=JGJ,9P&IGB
MDVKU?4:;FJ4B5(-=!0'H4<#CU6^K_P#&O^T1+=7"1BF\/&=3/#CL9L;]+[=4
MG)UQQ_6D;0?P4_L[Q)5)/QKN#B-(O$=MFME]$[#3%3E2C"`H#T5>#9ZL_5/W
M)NWRG/BKC)Q;#JUJ"V06)Z";VB<<<'&3]9AM9[K&EY,6/5'.QCS0;7[M?MMT
M\KL\DK)J48>%`>E;PU?5_P"G?H]1CX,D:N,K%LO'7;5%LOL%HJGR:$WJF&11
M0"@%`*`4`H!0'-]]Y>\U&!O2%!\F[XJFJ>2V^:E^+WN39G2J9"<<R7#5]8!I
MWZ0L8^$Q&J>5C&7S3[5%M0L%I6GRB%BTJ^^A)'N]>'A"HU;7\MU]38/.WO7.
M?6)G/4N3@;S+=;_T_.GAJG55I[/(ONXS.-F>Y%F^DJLJA(W7;WYV+^?G_813
MKW(QK+Y]39_WQ0^DO-4AM]Y>\U&!O2%!\F[XJLJ>2V^8C\7O<FS.E4R$XYDN
M&KZP#3OTA8Q\)B-4\K&,OFGVJ+:A8+2M/E$+%I5]]"2/=Z\/"%1JVOY;KZFP
M>=O>N<^L3.>I<G`WF6ZW_I^=/#5.JK3V>1?=QF<;,]R+-])595"1NNWOSL7\
M_/\`L(IU[D8UE\^IL_[XH?27FJ58_>@_^!W_`)E_^G^JNI_`X?B->O&3_#G]
MH?F163P%?680[[DY>\F+FJ5(QB&'O#-M?S#T%5V>89-5H/NR_"'_`#'-1/X^
M^5Y3JX?DU/\`C<9L59_N'9#Z5VAQN[7;WYV+^?G_`&$4ZC(QK+Y]#9_WQ0^D
MO-4@5]YK]XS6/X6'?X'@U65/);?,*^,'NW8[KTW)(<WW#5]8!IWZ0L8^$Q&J
M>5C&7S4S5%M0L%I6GRB$]W7_`*4.3]/K'LB9JV.W5OF>JOVJIZ1W&I=%K5YE
M42_"9+7^.;]5C/9I?I*9ULEW'S3UJHXV&9UY+J?_UNR_^\-T?^E'#?ZX$/\`
MQ4(P4?WANC_THX;_`%P(?^*@@H_O#='_`*4<-_K@0_\`%004B)OWN]J._P#2
M?:9DLG86,'2[G3!\A(;<;B&Y"J@L+:PH-\X7(IJ:1+\\<V<-CYVP##PM?++*
M_):O$RZQR)NP/A-9^;ZW.FKRVF;LW4KYU=.S=/9+EL17/>YS%1&M1+JJJW$1
M#@-[!<'M><'^8E;^AU0>K?\`(4YB?9#K1_<'.OU>9YAV"X/:\X/\Q*W]#IZM
M_P`A1]D.M']P<Z_5YGF+!>%6XT>*N(!K=($DFLV.R&VY7,97W4YB9Y)0T<N9
MCUWIY<904398,N6#&/'`@L;Y7M:X@F-OY;U,E,>DQJJU8&4M2NK6W^9=:%DL
MZ9WL?G"FS=)G3%?,F27M8U%D36HKG*D$BJHE]4.Q+=#>?3]Z:>;8,YI[%Q8X
MG4[-:9V;39;Z0YBAU677`NQ<Z4M&1DPD#SAC:BIJ)H,``+"U\A!,\<;6Y;U5
MONL>B;L%-]=8-%5YPL%;>@H:=\VMGYHK)<MC4BY[WT\QK&-1+JN<Y41$2ZJK
M`\^CL%P>UYP?YB5OZ'5!ZM_R%.7'V0ZT?W!SK]7F>8=@N#VO.#_,2M_0Z>K?
M\A1]D.M']P<Z_5YGF)P<-A:3XUWLUD?;_$,,]FMB2R*FX7.X2)],149/#3U$
M/,XHGS);``J7QS$QM?+*]K<M[5,E,>DQJJU8&1M4>K+6%FC658[.6=+&YQI\
MWR:Q'/F/D/:QC<%UUSE2")\*G9ONAO/I^]-/-L&<T]BXL<3J=FM,[-ILM](<
MQ0ZK+K@78N=*6C(R82!YPQM14U$T&``%A:^0@F>.-K<MZJWW6/1-V"G0'6#1
M5><+!6WH*&G?-K9^:*R7+8U(N>]]/,:QC42ZKG.5$1$NJJP//H[!<'M><'^8
ME;^AU0>K?\A3EQ]D.M']P<Z_5YGF'8+@]KS@_P`Q*W]#IZM_R%'V0ZT?W!SK
M]7F>8EWH&H%V!NQJR]GMB<:S1:TX1ZN.-QKB<H)Z.B(Z>X"9@\I*1XP5P`*$
MR@&%\Q!,[VQQQMRWKW+8]'M56K")]WJPU8:Q,UZP[%YQSC8O.4FADYQD/F3'
MR'M8QK7HJN<JI!$1+JJIW`[.;XZ;N?6S81M-[9&)UI?<,'RPAH:.G.DF:4%9
M85F$OD$Q-(%@N<(8.'CIC`((/&U\L\\[6M^&]5KN2Z\=&+84M1661M324LET
MRJFYNJ6,:U(N<YTE[6M:B755RJB(GE53SP^P7![7G!_F)6_H=6_U;_D*<K/L
MAUH_N#G7ZO,\P[!<'M><'^8E;^AT]6_Y"C[(=:/[@YU^KS/,2[T#4"[`W8U9
M>SVQ.-9HM:<(]7'&XUQ.4$]'1$=/<!,P>4E(\8*X`%"90#"^8@F=[8XXVY;U
M[EL>CVJK5A$^[U8:L-8F:]8=B\XYQL7G*30R<XR'S)CY#VL8UKT57.54@B(E
MU54[IIHWZTO6H=EA&2=EXC4556C1]IB8GE'62'-GE`^UE4J2)E0<+WS&,&C(
MN.&&-K<N665K6JN7<4Z26@D3JC,&>Z>1+5\]]'.:UJ75<YTMR(B)Y555@B'G
M/=@N#VO.#_,2M_0ZMWJW_(4Y0?9#K1_<'.OU>9YAV"X/:\X/\Q*W]#IZM_R%
M'V0ZT?W!SK]7F>8DKI>/W+W#U/>+L+J#=:K3V6@ERN9P*Z8HDDE";Z%*+65%
ME94SHQ7$$HG)B<5$''%SO;$,/#+*]^2U>F,>CV*K5A%#Z_5]JMUCYOM[8BOK
MK$YRE44C.]',F/=(>C6,942W/>Y52"-:U%556XB)$].&K@=1A0"@%`*`4`H!
M0"@.(C[REY]$4^B<Q?+!.U453RTO><YU>+G:1F30<GM58<]=4YJR*`[S_N^7
MJYVW\+,I>R9&J^1BTOG3'PM[**3KU3SD*&/O%_K`$;T>HY\)I"JGJ,9P&LWB
MNVH2-%2,I/*%ZD&LXH#O\X"OJSX=]UDO>4YS57R,6AT^\,VR#,/3U7:)AS??
M>#/6,.7X)XM]BSM4]1C.`U,\4FU>KZC3<U2D2I!KH*`]"C@<>JWU?_C7_:(E
MNKA(Q3>'C.IGAQV,V-^E]NJ3DZXX_K2-H/X*?V=XDJDGXUW!Q&D7B.VS6R^B
M=AIBIRI1A`4!Z*O!L]6?JG[DW;Y3GQ5QDXMAU:U!;(+$]!-[1...#C)^LPVL
M]UC2\F+'JCG8QYH-K]VOVVZ>5V>25DU*,/"@/2MX:OJ_]._1ZC'P9(U<96+9
M>.NVJ+9?8+15/DT)O5,,BB@%`*`4`H!0"@.;[[R]YJ,#>D*#Y-WQ5-4\EM\U
M+\7O<FS.E4R$XYDN&KZP#3OTA8Q\)B-4\K&,OFGVJ+:A8+2M/E$+%I5]]"2/
M=Z\/"%1JVOY;KZFP>=O>N<^L3.>I<G`WF6ZW_I^=/#5.JK3V>1?=QF<;,]R+
M-])595"1NNWOSL7\_/\`L(IU[D8UE\^IL_[XH?27FJ0V^\O>:C`WI"@^3=\5
M65/);?,1^+WN39G2J9"<<R7#5]8!IWZ0L8^$Q&J>5C&7S3[5%M0L%I6GRB%B
MTJ^^A)'N]>'A"HU;7\MU]38/.WO7.?6)G/4N3@;S+=;_`-/SIX:IU5:>SR+[
MN,SC9GN19OI*K*H2-UV]^=B_GY_V$4Z]R,:R^?4V?]\4/I+S5*L?O0?_``._
M\R__`$_U5U/X'#\1KUXR?X<_M#\R*R>`KZS"'?<G+WDQ<U2I&,0P]X9MK^8>
M@JNSS#)JM!]V7X0_YCFHG\??*\IU</R:G_&XS8JS_<.R'TKM#C=VNWOSL7\_
M/^PBG49&-9?/H;/^^*'TEYJD"OO-?O&:Q_"P[_`\&JRIY+;YA7Q@]V['=>FY
M)#F^X:OK`-._2%C'PF(U3RL8R^:F:HMJ%@M*T^40GNZ_]*')^GUCV1,U;';J
MWS/57[54]([C4NBUJ\RJ)?A,EK_'-^JQGLTOTE,ZV2[CYIZU4<;#,Z\EU/_7
M[^*`4`H!0%*,A<1[8N.'K/K0-Q5#+SNP52+V.B+;!<SU66C%,NS?L8TX5BN*
MYJ>0Z<5(.EW*#!=X3Y62B(72QT$N$&ECX9"'B9_.$3U@I<-4.KB]S<W49_!A
MPO'9MSZQ(^P+IV4M<^\,$-ZHT`[7INLA]+@?+&^1M.5W47%.+H0RODHAD!2P
M:=F$/T_70D1@DW]*MO)8FV1I$BW8)N)T52:B()]]M6)C4-2K&KFSC0K*3VC@
MH][N1_N=82GRCJ0K=)Y7$(D4RX&9P/.V`Q<<`6\2"HB;A9-0@4P;`\1^>=?Y
M&V40S,31/)K9AF-'6]^J1ZZW::5(M-GWJR&-KT0G=X&4?-LEU^>QG2<5LFXF
MDPE9MHR0,9SS4"^>!FH'J"7+IIA[<6K85F&9V8EH@B57DC4-*V=?DZJ^1Y[H
M[$D&/-<%*`,.@B$L*,H*K>=;T2)_*YY74S2J62C26*'EB9Q,89A(D<%+GPDG
M-1^(^L[,[*.*-S[80V)'"V=V"2H7`7FK)R*^GH-K?(B''CV4B;P4DP2+W>-T
MJIBH*"00$*&T`L<*!9#*`V)[$HB05L$B6U5$\E->RW$=FS6F2]@TU0BN+Y,8
MT+PM*\PJR1'3G=1]Y1DWVPF((<+JLV.DPE6:2(HS\ZSZ@6*-HH4[52$M*&4[
MCGBULKX0/2(BP-,/_BK[+L)4FR*!X@AI3F?6-&VCDF65K!0?A&+7=&>LT-P1
M,AI+CS`00TNI3\>)"=BZ?RG3)XJDYIMS`@1G`X$""B1P4X";40[-S\_]Q"L,
M#!Q"N1$9U[#V.<1U"9SY;\@Q6@2.YL4B`H]>"L>D!T-E8?[L3""R;/XAIZ:'
MB70Q1PP\,#(&%1/,$A$LAH0*A]DN(/,^N$T2^WSL81E(\=Q9"$TS@N-Y@.9T
MJ,G1\P(UBWO6PG[+Z\(E=SF@7FR2BYEL)+=L3S402H`JS@;.%BYH`&!Z1(P-
M**7$_P!F4UP."!!(JAG+8ML.1VFE%RV,OWQ)FV&UM,6QN&&"3*=:[U!/15+N
MPJV;XYG<BQ;/GJG,&PMV?2(P4X#)M-^*T_=J=A(Y8YV*FHR(NEI+<N#5,Y'7
M&=6B*XW80C.<,26,D#8%8Z>KQ$27Z8**K*32H3@;>":,=."9`89X4B%;!"[V
MHGDJ]V/W:F2`=D2<?E8]C61(ZQ9;OD17:307W.HSHAQ)'\3.=\O2=7D)@GXL
MJ/&<1D!&)L](2#H1HVY3Q_$8F=Q$#%)80/2)%(D16OQ5MF7.Y&A"(410R4G6
M3T&(Y/92]F>?HT2(T;RGJE+^THS><H6(P;A4WZUR\-G6_<<L:*E#^9T%2L7`
MP#S)9(D<%-WR&<:_\5:79@G;5YK.C74_'43;2);'`9)]3;<D&5DV:=NJHNQ1
MA_H$F]CA1`Y&6GNA+4FGV,"-@OXV(BJ@W1!AB$[(D%:B(MVZ7B5$\B@%`*`4
M!K21(6AV7^Q_&S$T:2AW>[0[`\8C$:SV[#[6ZCVKV/WE2E/LSM/LPMUCH>9T
MW5PN?R]'CR`:S^9=IU]$[6CXB8M_96A&*[X^9=IU]$[6CXB8M_96@BN^/F7:
M=?1.UH^(F+?V5H(KOD.]L"NC>HZ:GN-V\/%EOAE`IV*\]WTPM;H)&:K`1!G6
MV&20"43[H[LBN=Z+SA=Q7%,;*"&J+RB7!,B`E<KA88#0(I%?*1O=^TG"Q8JX
M_B#CT98Y9O-P[+K>CI[EM<M>3;=GM]P9*C#A*1F!%0>"ABLY+Y249)2DM/&6
MBJ0F*7/%'"-=7PQ$$""[Y^9&V7X;RW*;(ACY@\(M61G`[WM'CP;TDM#3&.A6
M"_X[DY-BYT,_`\YG852I(7!5%6`4DHJU#"R;5D@;`8`&XE\P<`@MU8EKOS+M
M.OHG:T?$3%O[*U$A%=\B#MRG:/Z@-8%\.GAYL6068GHBZZWV[(_UV@'%N1TU
M6\<04\<XX%I[BLY./N1=/N($%$0$T0ZLK`H0V(!>]\,;9@D5\I&M?VFX5#34
M9'S=&D+(1V8SDN>#+*D$766"1$.;G!K6]6C&\ML>,$FPV+L[U)K\?">F)^*V
MGHQ)3%R$$#,8@X8B9P(P7?/B+>VO"_;9\@S5[0Z)T.82C_D6.W]#SCCS2EG.
M./UJ+U6.TA<L9=+WD%M1JZQG&8E=!$;9-%6SQ]=`.9Y!`87+&<0@@N_<+;?F
M7:=?1.UH^(F+?V5J)"*[Y$';E.T?U`:P+X=/#S8L@LQ/1%UUOMV1_KM`.+<C
MIJMXX@IXYQP+3W%9R<?<BZ?<0(*(@)HAU96!0AL0"][X8VS!(KY2-;XVFX5$
M<.&12+OTA9"<T62;FYM-Z0PM98)'0Y1D[77)H%I7B9E(>8Q=ZDGNFK+X)IJ?
M9<3$@@HJ)8^%B9#L4OF)`C!=\_J[)MTO;,7N^3P>%2UE4"+YB&UXEEI81CIP
M4=[(G,5RLYM-^.R:<*[!"S[.O,2044VDF4(8^6&)*(8@V0&6(V`006,(EIOS
M+M.OHG:T?$3%O[*U$A%=\B#MRG:/Z@-8%\.GAYL6068GHBZZWV[(_P!=H!Q;
MD=-5O'$%/'..!:>XK.3C[D73[B!!1$!-$.K*P*$-B`7O?#&V8)%?*1V=FSG"
MG8;DDPB\]*X];['CP'84DG2F:UJ@N[6D![ZKIK<49OC=J(_.Q?1)WMX1T@$R
M6*PDI913/DSX(8^-RO.%@1@MRZ8,Y]PN&BRE$=JN_ANHS:D9NNQSM.18\68$
MU.3UUFJ#5`BH^,G)!LT\`4>6WDY$>9D,XA-=F&%]SJX-S-@B%A"V6&007?+@
M/F7:=?1.UH^(F+?V5J)"*[Y"K<.+^'OJNTA90>?#,AR5F^30WD]'^Z&3K!K6
M*G,-E1ZDDE1PKKN<\@ALY&LK'2AH,L@HP1L=7<!ZURQ(#/+#.^$%1-XI7T%%
M.>Z9-I)3IB[JJQJJO"J1(J+<U\&=K*C^$=?#TA9N,!FID]W2)04]0==0&\_7
MCK$C-A9FJ-6X@9E,'ZEO5N7=@!(H$M)*6545$FH`!CXW*<X5<WCS^B\W7/\`
MD)'_``-\QB+VV*X1,;EU8B_.%S%S6?K&6)-*R_&RKJ_J``Y(L;\1M^*78[W4
MI'KK7=EVE!FY-3?,IA%`/*:JH],.'@6Q%+YX77-X?HO-_P#T$C_@;YCH>9;?
M9S5:+;;D>H3<;#%1D5.(-%OL]*34)K([>!+!V2B#>1T<N42DU(`)\VP`)<+`
M'`/DMCC:U1*EC&2VM8QJ-8B01$2"(F\B&3T/0H!0"@%`1"4=`]+5=0/JRGK-
M$)Y25#II14#IEI$1#!P\='S,FS0XE\>7,8P8%RSRO?\`ERO>]",5/Q_W>6C_
M`-%R&_U/(?\`AH(J/[O+1_Z+D-_J>0_\-!%2*N[6L6@^LNK<R[$+.BT$RL!#
M;1,O,)C*:"C(@2Z*6,E275`UTTW73@C"9X';_E[$#-[6M>W,OR_@@L"5-D2:
ME&LJ)+'M18HCFHY$7?NH1\948<-MF/B9H_VDX?\`JCKE)<&`0RO8BL4D5FMK
MO]'G55="#&YB*E8A$D=26XG89=#..IPZ-9J%U'`UB'D7Q,@Y]+9!-XE,S?0R
MW-F2J*2CT6**C&HJ*F\J(;M;T/\`!/>;R83';,4:E.5URFC(3A9A5)8"<I%E
M8L[$M?76P5/KI=(%1&^XW2E-54,)R4IF2BJ?P3C5P"XERXO,A@MWD)BTM.L5
M6F9'T4\Q@+DC[A_LG9XGJPL<-5M]<5FE(;O82NVVK$3C/NM,CUGX/%=<!2+T
M=V"OIM,-P'L16ZC+RF3)E55V@]G6PPN(".)&";D#VDJ6UJ-:QJ-3R02%W@-J
M:@:\Z![61#A+R=H?&L5F2S_D^.U)F.MJ,P\Y4%>BU^+\?+H"@=:YE30\A\E-
M`&O>Q4T9!QM?DQ%$QY,\B(F\1P&M6XU(WD/];I:L:.:\:X/Z:0]!X'FE49`S
M0#0HX54M":Y=QK3Q?#:82<4Q<Q]M.PNA9XF'1B)<>Y`>U\<+X7MC;*^>)40\
M39$FI1K*B2Q[46,'-1R(N_!4(!1PZ>&2^=B--(E:7#.U](H>R4+DY:>TJFB#
M;1KZ^N\:)YIE6\7**`)'81AT.A!"@Y3*J@]CZ/V=B.7,9!98BAAYP@F\2FYO
MH9;DF2Z*2U[5N*C&HJ?"BPN$OB;.X'*J=9Y$.(-;L%R1'CFQ6@@JD&KZ4ZE]
MW9H#)>`28"VE=E$W"'DI,Z2$1;*F!BP98ZBJ."@`((3L(/@P6[R'M:6G555:
M:7'T6^82E%'#^AW8R'M=%SATL,=)E]R);.93Z2$&)!BQURK:2M+ZD<18R#<O
MC)4F(S":+;O.X<$P(BCC&R]L^EPSN)C&";D"8V5+1N"V6U&IY()#B,FU"@_0
M3:I(F1:)\/IF0TIPM.SE@U8:\BLAE!._)3064P'P&LG2;9/K1%$R/I$B%<<B
M61L8P5%#$P%O;*U\;()O$<!K514:D;R$JE3AIZ`KG0=MZ@P*L=5Z7JW:D>H:
MAU?I^CZ;H.MEQNAZ;H<.=S>3G<VW+_):D$WB5.IZ>IP?G%.R9@[F$U'0CNPB
MBPC!"OMF,_A*)4R[!QD^]/-;(;7H.D)[,QMK(;(+K!R1&['&OK#V!DQXEP4-
MCE+M0%IM)\98#D<S1P0R&5OF")GF+U<-!-XA+H:.0YLV322F3-]K&HMWX42)
ML%N1UP0'9(S>B=`AW60Z_'6899)`1Q(842)114I%BTC-3#2,'"HM(HV@%MW1
M<HAJY`D*<#-F0+"88!W&!&#PA@MWD(_-*?=^;2_^%OF,-FYL<.+76<&W#$C<
M/9B)C+6D]=.(DE)C>B93)YET".7/*SP<Y*+4]RC2<'&#11VH:)+3ES2@"))<
M&+ELL<\![&,8P3<@36RI:-1K6-1J;B02"&4:>1QP[-L#+V3T_01C1*ZV0U87
MDF[?>3/89P^?C'8AG'WO$3K!.M-35R9,^L(R2>`44[,3I4P^3%!Z0;#FBYH)
MO$<!K514:D;R$K9$X?.@J8SG(YUK2N(WT$T6^NN4%LID8HKC<*P(CI9E0R26
MRE&\+8G5]6Q*]7*@VRPN,/GAASK<O+2"$J=(D5"-;426/1%N834=#[J*5BZM
M8\+"7(^<$RO[1[2.)V>@!1@,A+<8NUB3RYB[QDP\HIZ9#CRCALQZSII8&P2`
MHE2P1INXMQ0+F1#7(G*)[H![AH)O$MN;Z&6]KY=%)1Z+%%1C45/A18$AB;4X
M%*FZ&\TB4:ZHG5EV$XU44<<&*AAD`4M,8ITM&0BB\,6Q=IH@CS4R`A$I@>/%
MQ,E/FDLL<38@8.4(-WD/?S2GW5II?_"WS'\YUC'AZZ[39#4,NCAX1\,U9@=2
M`SF[(24B1$"0S<SDR4\U$5OQP9<Q>1'0VHY3TT)0>JP43,2;<2S@!D3(?#I;
M`Q@F\3&RI:-P6RVHU/)!/,1W;$F\+A?C&5I6/\.5&;S?CB#HXVM1R!UBQH:7
MY`U8D5]N5F!RT@D"2\*`G*#;*LQ34CR">&`.7+A@A@B"BC7Q"A!N\>O5,C#`
M;]Q#_]#OXH!0"@%`0W;G#_U(:B3(+=18H$P:TI%W$"]V>I2#**\RE4PZG20?
M"TLDV8O/52:S?<XKO3`%(!632A14)G`^D+F`LKY7N(Q7?/L&]&-2CZ+&;>.0
M:T#*1$)E3-L0L-DL9YDA%QVI[_7@ETW=4ZZ]R3@?Z247U`NN"*)<^N%`%`Q@
M(<!#&Q"*[YF\3ZP0'!KF>;RBF,T%FN9_""Y.97(B*9LP,5'7EIU#HZ1@J'SX
M#7;8SH<:@IYI:7@23LE`Z,9N!TPF6=PBJF^:$"(J;HCJHE+4KK9:*^FO.:A(
M:K+K>4WQ(ZTP7\IRL,8,2"H."-%EWGX\,G'&*:SN()BEX9@VO:P-P[8XVL(Q
M7?/YF]!]/U!M,]HJ4%M540V,X7$ZD,-4-N)34C*X\55,7'D9=2^>6C"^_"[R
M640B:6"RX:42JJ.0*YF@QLBP-\`BN^9\R=6-?8XE5US<R8N;S?E%ZBN4=P.L
MIDI"C9F'JJIR\]S22F&SYA$;1M\KJ05/+@J:6*"+)TO@.<R'%QMG017<)`4(
M$3R&CVKJ:\)-?!:,L\E:9SCU4)82CCXD928LAG9%2#"`]3#LC%1=QJ-UG-?1
MC.987IDG*V`7-L'S.9AS1&*[Y\DWP_--S['0(Z4(&::BTFVYE]WD"2B<<9]1
M-KKM*$DYVC.)QFUL9RNY/=J8EDRBJ153ATBI$R)4N9!%!+`8!A%=V)(%IQ+'
M3'>4DR$U6N227K+Z@VE*1W'@.?-*+H,,UNEFFU0S.9XV9#)I[?;Y7$N5*%<0
M"H/.$SQ#Z047/,0-BT!%@GI5K.0DI^RR6C@;%X2F=<"A)@8KYD4TS)!-NEIF
M&,OB/2,33N&C1S8*+3-9$L@SB0,'@%;&^&..8>&6(C%3X>6@.GF<:!1$)!C9
M%88+L./C%.%4G0*KYNE2:W<135!W@(O9/(SVHP/ZNF@!%#,N9;O^2Q0\T_\`
MF]!%=\S%H:?ZS,&5,YK9L.-)NR5T1W$JO)H1X$HDF%1!26JKJS?;5SN35;;A
M6VPA$TT\ID")90/$"P9<<80'&V%!%225"!&<?3W7D>;'-L1W'42\MO4PWS+S
M<*?($E)B4\,VJURC,;X3K8Z<\"K"<91,;!$,I@`=3!P,L+7RRPRSSSRR$8J8
M<%P^--`&"I1B7@1IEF6J.9*=PZ<5.N0LH%%Q!;AAEH&:*Y`%P-S-Y,0&.;&0
M2">0.%D\D@CBIH(&!$40OD$5WS-6SI[K(S)73YN:D--!O2:DHR:A)#A20#I(
MLD$D=E%8U3!TEM@G<6LF+)..2(+?Q40"0:AV(#@1N/<KCB%8(J24H0%`*`4`
MH!0"@%`*`A3LSIP+L?),.R3G.4BQ\+")D\NL]FI"%'+PC[-^&!,;)<EJC-D9
MHNI#4GXU"=Q0$8^,")FD]8%%*V",9]+0BBPB:2=?"<UX>RS(!QQ.F33;?<AB
M6EN.&8$98H"!`+YG&4&'-<D2!%(G<3-7[R*$K1HD+!'!<,K*>F9!"E@"UB@V
M0%H0(X2G]E7A:Q<O-T)LK<Q3,>3W2^G'(\^Y8`Q"4,[#NMSR\TIQ/&WD;`BJ
MQQFERCY8J67*!M,5!Z%#+6)WRR$L$:"0&%\!9[43R0OVFT]OL\[8:=1F:Y"C
MP&%%P^[D!GH:-'SL8*V^<\B-VX]W4S)$:CJ0%YS,/JHN2$.8`$Q3#!H0P#C@
M8L&+@(HL(W#1RWPG==W8?D:SR<\F.-K/1)G$LTF0*:8Z<@PPY-DGHSY)F5]Q
M<.FL8LM$W2X9#8J<K$>U#2H11Q,10"A;`J)T&,($<)3#G?P=X.?(*^?<,M3,
M,^)."EU-V"D(J!$!=?G5M3@JQ\KOMNN$AG%1AN,T+#**T$FE'FT22%-,3BF0
M.!C+,6XV*`PO@+;"Q<$H7`*E\.C+E@0BX`?.RSY@(.&(86'.SRRSRYN&-K<M
M[WO?_MO43R0UVFT]OL\[8:=1F:Y"CP&%%P^[D!GH:-'SL8*V^<\B-VX]W4S)
M$:CJ0%YS,/JHN2$.8`$Q3#!H0P#C@8L&+@(HL(W#1SSX3NO$C."1U%].>3%U
MMOP:97&CL0,TQTQOQI*>PHC/.R_,#$.DF/@Y,'PX%YCE%0GBIGE),2SYL_D"
M4Z(U8(&$".$IL1M</>/$<Q'!UPR'(;\4&EL^X]QWT;<0;+3\9EV!5&KFU&R[
M'RG-%J-M'*IT;E@B0Z$GII8F`7,)1$0;I\R]LLHD(D_:$"%^TVGM]GG;#3J,
MS7(4>`PHN'W<@,]#1H^=C!6WSGD1NW'NZF9(C4=2`O.9A]5%R0AS``F*88-"
M&`<<#%@Q<!%%A&X:7='"EUV?KBE`^_EZ0G6T)+)3Z9!C4R.RT]J,1^;2)S;(
MSO*#,.);+*.P)Y.\RUPCQ7KZD>(I!X\?$+%\<3..`,($<)36KWX,\&2096W`
M]YCG!P2!(F4ADIND0\%#0Z_+K;DLM%9%<03I$>)!VY'YA-2X6;Y-,56J215@
MD6!,_P`YS&,Y#8(#"4M\+%PBA<`J!;.P)8$(N#8044<2P0.&(8=A!Q\Q1QL^
M9C;ESSRRSRO^&][W_#43R0\VSU!#VL/P\:/3&_XZ3(@=)][EVBWDAANAC/=V
MXB(1AH+K_9LA-=TM]SF8Y/I`AM$#,`9ERITWD9N'D.$6$!$46$313@X4.O3X
M6I)-2*Y9%>S6D9,G@6T?GA&,EMAFR!M`E-E/GN6&@81&00<I9ZO4XU@U`M8X
M?.)R.?/G\RA;#`S@&!"!'"4^"_>$K$TH,Q9:<@31,SJ-R$_7D_IP=2HF0@87
MIB//9I,AA'"ZG8:'A$QAF$%DQZGI20H-8NBJ:>4&/98CY&3>1C!`82EJQ8L7
M)EP"A0`$J4*@A%BI4L%@`7+%P,,0@````L<0P000\;8XXXVMCCC:UK6Y*B>3
M^U`*`4`H!0"@%`*`T=LK`+.VG@B3M>I!4G,CLN6&R.U7$ILTXEI[H))Y@P6,
MYC(IU;1G"E%CMA"N-K9#DC.')>_XE[\E["*+!8D4G-PQX8D!%?N<I2'+<L2C
M(CRC1[K$YR(6A!??))0AXDX$V-4A*8UH4*:[8--L$7@LX8I1ACF2)P16,C&P
MS!BX8H81,IAGAW0OKX_6\]X;=DJQVGIR&S$MX1PSUQI->-I95(^1G<AM)TR,
M@MQCI)\=33BKW/B#$$<ZCMY0-=`.<33`I4MD$"K$S[+3QEG-G$/:-=D67G0Y
M6>,Z3T?L!Q.)MGXYCQ5>[,)L-UG&G?%G@2,"F*Z"6$RLAFW&<;10\:'.E4X`
MV)TU@C<@;%U]@!G:W,A98+&4G,JHZY)DJRH;,NLXEGE(-PR](#@D=RDRXR0C
M(17!&(KCC'"(AY`YCA%,`\11AA+9"Y`JQ/J3O"S6V%B]=B9Z'U],;C@4V<JG
M3K7-)Q);",,EZMU^)6!4RJI2T1P!,*[9`#,6S+9Y9ELQ,<+AYWQ$P$-PA8VN
M%+K4SW<:>C:7YA15<U..QT]XW3'FD)_4'-LU$+CA=VMQ$/DFH77&^S68VG4<
M-M@N1-ESB4J"=/F:,8<H5X0/6$I_O7[A7Z^:X2-'DHLIV2JIN>.'&\W2F!+(
ML5)2"KJSXA=E02K"K;?CZ)V,EVZ)F,(B/AF1#(C&%7(<X;S,B#B<L8$%<JF]
MY&T\94ISQ'TZN^1)>.^+1S-A]->)L7$V\XJ)/YGI+D0T-XDBYQGG)";QVZ>Z
M!['T]'<*:AK(@0`JB1-B`X9T$;D#8T+P"SH+5)S5VDI.91,[`SBX)^>6#C.)
M9L!,>+C9S$9!Y-;.*8C)`A-LA)4>DA`@361TUB8%'RR,989!AA@JQ@9_(K(3
M9,8+TCM84G$C)3Y:RZTU!8:"Z>:[L2"J^FF4P94;+D3,PU!!7T_`STQ,V#E8
M0N8PPSMRWQY*$"NM7X3L&KB3>ZI+6PQR0E%U2@YWC-`[BBX:2W^!,<.H<`R`
MUW38:(A&"$WE:)&TGI0626@IJD3R*V.ES81\08T+"!ZPEWC*VGPPX$9KE:#I
M3'=+PZ@RI?URFI*!/K[,%)F'3K#K"/J<PB"@&78!4<5OJ\=&,CJP$&($9,+5
MK#%QRI7^9WB0BILJ5M&8OFZ9T67)1><KN]&0#!A32X25'$WA8@)+YR-'7$A]
M:3P;-&TE(H2LR7JH@GTA/<I1NJ1H:QLVG#FL<1K`BJFX9#J]IY'&J0+LS9KE
MD)[K3O28X:IYT28KM]7<!*/X<;(K.B6/$\=LM=HD+MF/VZ:'!*"F2YE6."FA
MS*@=.&AA!\@58DC7@UTY[M)TLM7'5BJ2[VXMM=4-("PHMY=+)R^F&DHZ.BKZ
M.8**R&K`EC>618X5%",EAK8B!YXYXXWL(%<*UPH((>!5>.R1)$T2K(:J6B5/
M29:DC"#7,\&PE0D8=@\?)X3>&@X&)'SU+%[J89TV\6RY5!5P,<ITP/F&%GA"
M!ZPE-:,KA&,1O2[(@QM[KB5K0L-_3HJ@PBR.YK?3G\NZMNM^2)B/-9$M&14O
MV29D=>3UDJ`U#B%@9,V-X&\+@"8`70&%]TFC,.FK$G&8(\E=^/\`EHVF1NY&
M0]DF'05]L#1(=>\=G5@^U78,G*[-5GLWU$,=8OBI%T%=1TY?!+%PE4L>#"QQ
MJ)!%@:7;7"VUU;D?2?&-W%+JXTI/CN/X-&++KJ;PQ]EZWQP]5YZHNN3'5$]G
M)I]/B\^*[59//C'<U!RFDY1SPNK8C@$QRT($<)3_T>_B@%`*`4`H!0"@%`*`
M4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0
M"@%`*`4`H!0"@%`*`4`H!0"@%`*`BVD;!`G9`>+94W5$Z44:S_3V'BU\%U15
M).$'5G`T6RCJ)YN$+"#$"2RLNPN"$+D!U<&PX(@PN(7/SL(P,^`G^+C8!\P2
M5'(H!$7"8:@5TZ.9)4<UU?)B.H(^GLX(DTAQ7UDFY,A6N:$1L3X);`B)F+GA
MC:U[A`^4[]@V:@DC6*5964ESL9+7D@JI-9Z(*$MIZCDVQ\L4UW*;;`;1Y3*I
M3G+F12(!H0Z%CS["!8=$-T8(A\-US^;9C]4([7FOU-3LII+@0EKI%,R@JL-W
M+D+.AY9B$THP;S=B(ZL\VP`WB&"BH&UE50<^:&75N<5"!F^,[QK>Z1CF?<Y<
M18<A!H6!.1O))$=$<BL?;Z:CI+S`.-(`9@F%HRZTVY*ZYBGX'`3H(P.686=L
MZ$('YTK8*+%S-DA)*LXSPLB%NT&B&#'4D=(H(]U!#2L7$;PS:6.:&UA#[D(A
MX*I^Q5.SN/:^(U\<<[XB,#;Y(V$?)E#X&!D,`Z6`-@X'21Q-.8!&0L!@\#:<
MH@%5`@9QPSM80`<(,8+/EQSQQRM>UA`HQXGG&*<G#WGMHPPCP0AR@6<T0H$G
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M/:R=FA!6>">G'C9,ZH'#(R+S4=0`'+!&C/3$@?1]I`(>P+G<3>,KQ9B--`!'
MCUMS(@F7G)IM%0S,4N(%;,C*CA5TF/'&,VW>V"J86%5$W$J=30@E`*X"H9O@
M/8,(&\HZ<BN\6"RW<OMS-GK3H:R$X5-J"G1U$PVS:RFEE$5#-G324AF!SJ7<
MQT(U\B@%["X96YEN2A`S*@*-O[WYQ^-7Q<>(Q$Z#Q@]R>U>_A_I>B[Q]A=H=
M4[K\SI.9^4Z/I.3E_%YW_;5M^?KAX/JO+#=_W&!_MEJ?TM^C/T`S!^<^JPO6
MK\O`C#U?#"/"6W2%(J^QUIJ``-%/4VVNN9EM8\N'G<"D*F2F^'+BW"I1G-@N
MBK1ITG6X#SE-8P-CHX)=*M<8L*<S",A%[D9X-76V45,L&W<..;9Y2F1+J\(8
M]\`;6>*(.[VBU[JSRO=`YS!+X)SZ35WF%\5T;)'N/R8=?!Q("B,#X1C;@L4<
M;;;!YJ(:6KGE--0EI)5I`!(KRDM&9E=\&JQ.'T?NP-E*^#8=;-%.J%\Q4,<J
MC'R!@0+`8S<L&$"9-"!@\DN\1A,A?=P)'!2$12Y<?$B(/D5P,7'/%2=\<A\0
MAL@^;8QSN7FWY>3DKQ,=@,<Z&X46<:M:&BGU:,PE8B+",(Q5$W>$T?#6QAV5
M'<*V##4*HH8:.=5.N`JPIW.^10<F#8'H<R!:UK9V-<O.YWX.;_)^&I,JH68_
M!5L+A9<SVA?G2K6F=2HQ,!71PH[BI\";Y]9SSJXVFY5AMJ<=D<S8@29W.`)/
MLL<4C6;BE5MQ"SSLADR[>$*QV@O9><V)Y*'!-+9HPDIJEED5P.D1"-ZD^H@?
M%-;**A<BY3&,<V&.18CN1QS:2Q>`..+.06VXW$AXF&@9S0+=_#[G3V@IJR27
M'P1+")Y?&QL0D;%Q*T$#X@.X+;Q=F34/)"-V@HYN`PW4I'>Y-7=MDIH3G'L"
MN2[U;`B,FY,YRBNJ2B%TA'#,J9M3$",D\NK'0K`9A`__TN_B@%`*`4`H!0"@
M%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`4
M`H!0"@%`*`4`H!0"@%`*`4`H!0"@%`*`CH=\6W=IS]/WF[+^<6QNU.CZIUKQ
MD^-N.^P>J<OXG=GO?V;UCG?E>I]-S?QN;0C=(XDO%AWXD#NMXZ/''XR&[V?W
M=^;SWN[Q]RIR[$ZCUS^IO7_%UWFZQXP?ZS]0ZEUK\KV?07>`P90^:_X[5OMO
MQN>,#NYCU_MSQ>]Y>J]UH@Z_V[VC_P#SES^I]C='WA_R=UCK79WY#FU`C=\A
M*[8[Q*]'EXXNN]2\4\E=%R]C]D=B]^(1ZWTG;G^2^\W?CNUV3UO^8=+TO6?R
M=1()'R$(P?F?]L0WTG?/M3QOQUV=U/YL_9?C#\=49]PNS>ZG]5O]*>QNV?%/
M^7[(Y.\OY3J]0(W22"YXF>QM/.L=_P#NIT$0^*KIO%=R==Z1I>+OMKO5_7?O
M!R=#VGW)_G'9W6>U/\G<VHD+MTFZB]:[&2>O=I]=[,(=<[:[&[9ZUU4+K':W
M=W^K_:?3<O3]0_F?2\[H?R?-H0.;#C,?W7_SGV)\];YTWC4\0K7[`\2'<_NI
MXO\`QA2CV5VAW@_GG>'O'VKTO-_)=6Z#D_&YU4T[U6$F'&,#4'7_`/8W_C+-
MGVA_IK]-?HR7@?,_5>K]1Z^HP<+#NX?K/61\F#@^6)/R&?FZ?W94/^)?YPWS
M9.BP[-Z/Q7^,CN?XRE_MWQI=]_Z@>+;M_I^\/6/YAV#S^T/\G=>J<S!P&X/)
M,^:J/\.?9]9K_"7SG_#OJG^H^<8/KL'UTS"P\'[V.'A0AY(>4DLO=SN_K2[W
M>.OM/H8&\9'2^+KNWWF[_J?B(\:7=/\`%[V>,G_Z7N5_-.9U+MO_`"1U2O9D
M,P9`\1OBV?/:OCE\7GBTBCF][>P^K?-7[S*_8'=[L7^=>*?L/M+O3VS_`%T[
MM\G:WX>SJ`L)H0%`<V/_`/63X[O^*'OUXU/_`-H]@][.]W_WCLCMC_Y_0_\`
MQU:/^3]9^'A87P;YK'_E=^G?UK\_^=__`*\#UGK/NX.%PP+GI,ZK\Y&'NF\=
M?:_8QGNKV!XEO%%SNUA.^O7/&+_6GOQW6_\`MW8?^6^['6>R_P`':E7<V=\A
MJ._B>Z+'F^/7EYA/YN?1=TN?V7XWV3T?B%_^I[N^,#NUTG?7^:=WNK__`*=Z
MU0'\2WB=[02.J>.[H>M,7QQ=)XONJ]X/G)R?W:\:?:7^6NT/G%]Z^E[@_P`P
M_P`+_P!%=GT!8E0@:WE[NSXN'1WQ[4[M=5*]J]B]#VGT7:1+H>J=/^1Y_6N9
MR\[_`+O+4N;@^K=AQP2W9V^;?HZI^=X7S:"86#RMU-R/PP(W:^>(WOX-XN^_
M?;_8"AS^\G9W9_9_62'6>;U7\KUGI>CYO_9R<M4\CU&'_P"G'"AY3YW,/Z$^
M?+^C_7^O]6O+A"$4CN>7<,3)=T^T-B>V_G'<[QJHW7N\/B,[3\97C/;/B/\`
M%KV+_7KL/MKL?NCWJ_JUV1R=H_@Z[58?:;Q_!0\3W80G3^/7D[)D3YQ'5NZ7
M:_<[QC+_`'^\?'1_S7L/O3VWV=W-_GG8G7>PO\D4!EJ3W5\9Z_U[YP_?;M!6
G[K=H=PNT>XWCDBSQA]W.Z?\`6_N5SNZO7^]W]8NYO1=D_@Z:@/_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>g90582g41i49.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g41i49.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04R4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````$@```NX````&`&<`-``Q
M`&D`-``Y`````0`````````````````````````!``````````````+N````
M$@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P``````I8````!````<`````,`
M``%0```#\````GH`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#GTEQ22:\^]JDN*224]JDN*224]JDN*224]JNT_P`7&V.H?S&[]%/J
M;M\>_;_P?H_2^C^D]3^<_P`$O%DDANV>3_GH[;'?R?IS_P!ADO\`V&7S&DG.
MK]C].?\`L,E_[#+YC225]C__V3A"24T$(0``````50````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!
M`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!
M`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P/_P``1"``2`NX#`1$``A$!`Q$!_]T`!`!>_\0`
MC``!``(#``````````````````@)!0H+`0$``@$%````````````````!0D#
M`0($!P@0`0``!`8"`0(%!0`````````$!0<(`0/6EQA8`@81$@DB%#0U-E5E
M9C<Y$0$```,(`0,"!`<``````````0(#$E+3E`4&%E81(4$$,P<Q<1-C,D)3
M%#4W"/_:``P#`0`"$0,1`#\`IL12D0``````````````````````````````
M```````````````````````````````!>U]AVQZ6W-W(3:L%2O5H'V*C%`H'
MPC8J5>P2S(F?KON-2?88>)A?5?7(Z!C\G,@9K`R.!PB9O%Y6.&9XY>;D07AG
M>&.7$_&.>A):F\QAZ0>E/^:/MS1WANVOKVK_``I:NW]+E\QEGEA-3J_(GA&%
M.G&$T/$T)(6JLT/7Q&6G":'B=N6<1K4>L=O6RU-]-.99ENP>_N#;)Z=I64H8
M9Q&M1ZQV];+4WTT69;L#@VR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIVE92A
MAG$:U'K';ULM3?319ENP.#;)Z=I64H89Q&M1ZQV];+4WTT69;L#@VR>G:5E*
M&&<1K4>L=O6RU-]-%F6[`X-LGIVE92AAG$:U'K';ULM3?319ENP.#;)Z=I64
MH89Q&M1ZQV];+4WTT69;L#@VR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIVE9
M2AAG$:U'K';ULM3?319ENP.#;)Z=I64H89Q&M1ZQV];+4WTT69;L#@VR>G:5
ME*&&<1K4>L=O6RU-]-%F6[`X-LGIVE92AAG$:U'K';ULM3?319ENP.#;)Z=I
M64H89Q&M1ZQV];+4WTT69;L#@VR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIV
ME92AAG$:U'K';ULM3?319ENP.#;)Z=I64H89Q&M1ZQV];+4WTT69;L#@VR>G
M:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIVE92AAG$:U'K';ULM3?319ENP.#;)Z
M=I64H89Q&M1ZQV];+4WTT69;L#@VR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LG
MIVE92AAG$:U'K';ULM3?319ENP.#;)Z=I64H89Q&M1ZQV];+4WTT69;L#@VR
M>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIVE92AAG$:U'K';ULM3?319ENP.#;
M)Z=I64H89Q&M1ZQV];+4WTT69;L#@VR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-
MLGIVE92AAG$:U'K';ULM3?319ENP.#;)Z=I64H89Q&M1ZQV];+4WTT69;L#@
MVR>G:5E*&&<1K4>L=O6RU-]-%F6[`X-LGIVE92AAO__0IL12D0``````````
M``````````````````````````````````````````````````!D)1*9I/YM
M+)%)("+FLYG4Q@I3*)7`9&9%1TRFDRB<J#@(""ALKQ\LV(BXR+SO#+R_#QPQ
M\O/S\L,,,/G%JRT*%;Y5>C\;XU*:?Y%2>$LLLL/,TTTT?$LL(0]8QC&,(0A[
MQ=*/[>=I<KLLM/IA1'*R83R]MAI=C[75*:0F.7F>,ZJ?[/E0\9[5$81.5^"-
MA)1YY>3*8+.^,,?.72Z'^K#ZOE(TY+$D)?=;G]J]CT?M[LC1MNRRR_WT)/U/
MD30_G^14A"-2/GWA+Z4I(^].G)Y]4V&]V&``````````````````````````
M```__]&FQ%*1````````````````````````````````````````````````
M`````````````$\_M=_]#+0?XG_N_P!/_FG[/^I\_P!'_EG]`_OOY-DI?4D_
M-V9]FO\`:FQ/H?Y&E]7^'\?;]W^C^]^FZ3"16W@`````````````````````
)````````/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>g90582g49l93.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g49l93.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0WF4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````/0```(`````&`&<`-``Y
M`&P`.0`S`````0`````````````````````````!``````````````"`````
M/0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"TH````!````<````#4`
M``%0``!%D```"RX`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``U`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U55<CJG3,9P9DY=%#CJ&V6,88_MN"SA]6:\G(R+^L9-G4O4M<['I<
MY]5-5)/Z/&^RTV>AD;/S[[F;[D)MW2\:ZW#^K?3*,C,W1>ZAC*<>MP+6N^VY
ME=9;ZK&G^C4LR,S_`("NK]*DIT\;K71LR[[/B9^-D7&3Z55S'O@?2]C'.=[5
M"SK_`$6K.;T^S,J;EN<*Q47?GN^A2YWT&7V3^CH>[U;%2R,"WI^)F=:R;_MO
M5,?&N=38YH;52`PV&K"Q9=Z-=CJV>KOMNR;O\+D_S:S.IX]3?J=@?5^@M=G]
M79552/SG6.V9>=U%WTG_`*O^ESK;?]-Z?^%MK24[OUCZED=+Z4_,QFL?<+<>
MIHL!+?TU].*XNV%KO:RY6NI9C\'`ORZ\>W+?2PO;CT#=8\C\RMJY_P#Q@9PQ
M^FX=`&XWYN.^P#4BJBQF7?;'_!^E7_GKIWO96POL<&,:)<YQ@`>9*2G'H'UH
MRVB\Y6#BTV`.J9359DG:X;F[LFRW$;;_`&<:M2?1]:*:R\=0PK=HDFW&>P:<
M[G5Y?M0Z?K5C=1-U?0L>WJ=E%II=8R*\8.`:=[\^W]$^G](W=]D^UY6S]+7B
MV5J1Z'D]1<']?O;DU3(Z;2"W%'<#(W_INH;/^['IXK_YS[#6DIL]!ZG=U7IC
M,VVD4>HYX9M)<RQC'NKJRJ7/959Z&4QOKT[Z_P":?_;1,WJE6-8,:ICLK.>W
M<S$JC?M)V^K:YY;5CT?\->]G^CI]6_\`1(&;GWWY;ND]+<!E-`=EY1&YN-6[
MZ'M/LMS;O^T^/_@_Z5D_HO1HS*0R6T/?TCZN,&1FEY^W9]LV5TO@!]V??(=E
MY^W^:PF/]7^:]7[)B;$E-CI_5^H7];OZ5DT4?J^.V^^S'M+Q2^QVVC$M]2NI
MS[+JF6W^IMK_`$=?\S^FJ2?=F]7R[<?#M=B=-QG&N_+KCU;K6DLNQL1SPYM-
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M_P"K1D77V>O?:K_4[#E]2P^E5:ACFYN9I(;54[=B,=QL=?G5L?5_X4R$E/\`
M_]#LNKX'UFSLZVLMQ[>D>T4XS,JW$<\%OZ;]H64X>5;:SU/YJG&NHI]/^E?:
M%DX75_K)7U+J/2L!N$Q^&^FK%Z512^VJH&IEUEC\YO[-KQL9S[?IW5VW;ZK:
M\;$M]GJZW67?6.[J%N/7AW/Z6QC#4<.^NFR]Y]UK<G*LMIRL*FMVUC&83/6N
M_G/M?I?JR%TOZM]4J=F-?=5TC!S;A<<+ITEXBJO&>PY]K*O2;=Z6^S[)B49/
MJ_S6<DI+]8_K+T_%IOZ/=5;F=2R,<-.'C-<X$Y`?0QCLG9Z5&]P?_.?IMG\W
M1;^CK65]4.J=%Q>GTYO4+[K.KBEF)DNMQ[@Z@414_IU3&U.])E5S/T_^%R<C
M]+?_`(&FCJL;HG2<7#LPJ<6L8]\F]CAO]5Q^E9DOLWV9-K_S[;W66+`Z/]7[
M/VSU>IV=E'I5&4RRK%%SFDY%E-=^3Z]]09EW8WIWXWI5697IV6>M]JJN?^E2
M4Y7UIZYTW.LZKD#,H^S=/Q1@XH]2LFZ_(LQLK/=4&6/N>S%JIP*OYK^=^T_Z
M-:_7.I?4OK6./M[K,JK!L%H?2S(`K>/:VSU,=K6_U&^_>GZ]T#I'3N@U8'3,
M.O&%V7@TM-;1O@Y>._WVNW6O_/\`=8];W4^DX75::ZLQKB*+!?0^M[ZWLM:'
M-9=792YCVO9O>DIXSZO]+ZEU!V<[$R.H8##G6&_(S+K!D;=M/H-KP'C^<^Q^
M@QMV>_\`15^E^JY2W^J_7'I/3<7).,Y_4\C"J=9;5BM-VS:'>[+OJ'V?&^A^
MD]5^_P#X-6/^:O2K&;,PY&>P\LR\BZZLQK[L:RS[,[_ME:=6+C4T?9Z:F5T0
M1Z3&AK(/TAL:-J2GE,+I>5A]']3ZR]1JZ?BO=ZV8,>T5G(NLVV769W4BVBSW
MV#TZ<7`^S^EC^GB_:<NA7<'ZV_4O&PJ:.GY5-5+2:ZL.FMXM:0XM<W]GUU_:
MJ]UG[]'Z3Z:O8?U6^KN%<,C%Z=CUW-,LL%8+F:[OT)=N]'_K2TPQ@<7!H#G<
MNC4QXI*>2NR>K]:^LO3VU4V='QJL7)NHOR6-?>_WXF/=;3B>HYF'?73?LHMS
MF7?TF[U<!=%TSI&#TNIU>*P[[3NOOL)?=:__`$N3D6;K;G_U_H?0K_1INJ=(
MHZD*7FRS&RL5_J8N91M%M3B-MFSU66U/JNK_`$=U-U5E5G_&,JV5AT;J=WMS
M>L9%E7#J\=E6-O'<675LLRV?U\3(Q7I*<CH_5'8]6?@]/J&7UB[J6<XT$D,J
M!OL%63U"UN[[/C^AZ/I?X?*9_1:K5O\`2>E,Z=58Y]AR<W*=ZF;EN`:ZVR-O
MT1_-TU,_18U'^!I_[<6?T;'Q^B]:S>DUL%6/G[<_#Y)<X,KQ.H5N>\N]2VMU
M.-E/>]WJV_;?^#L6^DI__]'U5))))2ED]0>>F]2JZG,8>0&XV?)T89_4LS^2
MUECWXN1_(R*+;?T6&M9#R,>G*Q[,;(8+*;FEEC#W:X;7#1)3D_6.OU[NCXH,
M>IU"JPCQ&.R[-\OSL=JVER]#LJWJW2\'-<7Y?2;;O4L/^&8['MKP\W_T(J?<
MRS_NWCYE/O\`2]1=0DI22222E))))*4DDDDIJ=1Z>W.I:T6.HOI>+<;(9]*N
MP`M#X_/8YCGUVU._G:7V5H]!O-+/M`:VZ/>&$ELCNS=[MKD1))3_`/_2]527
MRJDDI^JDE\JI)*?H_J(QC]:>D$.>W+%65+6-:6.IVU[AD.<]EE?Z?TOLWILM
M_P"U'_"/6VOE5))3]5)+Y5224_522^54DE/U4DOE5))3]5)+Y5224__9.$))
M300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`
M;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P
M`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$
M``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"
M`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(
M`#T`@`,!$0`"$0$#$0'_W0`$`!#_Q`!I```"`P$!``,`````````````"`8'
M"0H"`P0%`0$`````````````````````$``!!`,``@("`@("`P`````%`P0&
M!P$""``)$A,1%!47%A@A(C)""A$!`````````````````````/_:``P#`0`"
M$0,1`#\`[^/`/`/`^F1(CPX]\6+/V8L4+9N2),F1=(,AXX>R1W<O'SYZYW2;
M-&;1NELHJJIMKHGIKG;;.,8SGP/S(Q*XM-@C.2PR2`)='".%<CS\8,#CX1]A
M!91NOEF5%.7;%UA%PEMIO\%-OCOKG7/_`#C./`4@YU:5'^Q*MN'V$6#.A4LX
MWN#JB13%<J\3.B%(#<U,U-&P#`1HTRP<#S2EBOUEU=UOMQNT3QIC7&-OL":=
M;=3QGDBM@4Z.0F<V2<G%CPRG:V@,`;`D2DNLVPW3EC$0I*5S,Y%:[KN/N7+1
M3+L[(RXP4TUUPG]JCI9JU<!38XY[29=NN35K[ARD!KA5S@9&3MA7=?LH9,]/
MEJQ=2$O'H91T;T)N\XQNNR8_MMVN/^FCYS_YX#WKCVI"]<;[J>OR<[IX^66^
MJ/1E5:O<_/;'U8>97N3(S&=/CG[/H=_C/YQ\/_;P)ERIU=(K]F_151S^I$:O
MM/EZ5P*&61M$[%%V[5!4[8$!'6&R'0BPD`,(/O2X$$4:[EAY>.!7S'5\SWRG
MOHYUSJ#BD2(\./?%BSYF+%"V;HB3)D72#(>.'LD-W+U\^>N=TFS1FT;);**J
MJ;:Z)Z:YVVSC&,Y\!`K7[M?QFM[)NBI:0,651U10B76!,;SG,Z!4=5)D!"@[
ML\:VJPG*!IR760UP+9;+-CJ`1K#2.BB>6!MWG[\(`Q@#H2*?ZT1'IRT!Q6EH
ML;J*&VS*XW.D]-I-7>DLC(D^K#)`S#_OY?3`,]+:B]V;'#A5V2UP@VU5WW3U
MV"@@%4W#U8Q_SGI"16=2E6R)I]\)Y3K"=R"J98QCSO[5!AGHRW*T+@[+?V2_
M8+)[/(K&SPV*!?L5'O<R+=/#_P`!3@EZK\[=SWKQGRP$/WV74HN@;&"T%(KG
ME3V,TI8THF%S)V1,YK94X_L@O251O*]TACQX+:-B:KHB^9[@`;AR^+*X!YW$
MZZ0J$=`9=>QJDY7'I18U8UK+P-30&>QHC!25O2AC6L0)@9-*[)ENEBL6MJRP
M`P?87#1O;4,Z=DM?BJST'NP__]#KFW@O=]ZVA;;.>7"\XYHR(SLG&:C$\]QZ
MHI[:=UP-(4Q48V7+;?MX):0F"-CBQ)=NK&&$$"&P[MC]B!YZCOHML'B=\:<=
MUQ#R=G=)V+;LKB,'#JE);-.G>R>A)!6PYLW6V<.)"9A,KMMG1\?=[K*8U^UD
M!8:_\)I)ZXUU3TP".2KA*D.ZQK$32?*T"Y[YK/[8P<ZCG-<9$=%V5#"(W39U
M_JW7DR&;GJJ2*+H-T6L\FC1J0::(9?`03G108=3!HG];07H/M-;EZ:1?:3\U
M<)\VT-,1=:2HTM)(//;GNB162!@9:P(R6T?JSU>BZXH;*PK^==/6FQ.7;OU&
MBA!BP>MP^+E"/0N%>R'OR"T%&@$+HB*TAQ6VL"(PD*E'J_$==$W71IJ<J`P@
MK+6-#)D_YS(UBI(<,FJ>ZS;^'W7S]ORSN"S![>1F/_TU'ZN'I.%&%0^FB2#R
MKU3]K1JE-I;US2$R*"6F/QHR671A9R.N5L_E173#E/&/KUSG[0WC,"!<@$DP
M)P<S+A30]Z)+BB+=)V/)C"+91F_'OFJ^NZ+EH\:K;IJ)[XSKOIMG&<?C/@43
M:'6/-U,APQBP;DA0O62F7<8AP,23VF4VGTJ'OW(E[$:YK^&)2&=V-,&Q5DLU
MW%!!Q`CARENG]/SUVUP"^$3W875.B(J"@)!P_1;]ZUW+6A.=8T5ZYG,6^O=5
MTRK6I5&<K@]`)2+39+5,[+W925,&^RZ2D5%O\(O&X7@*!<[<(T25W%,<5]5\
M9(/9`:=;*RR?3F<SR<GDM'10L3?KRJS[FN>TID621PLY6+R62&7B26N7+E5/
M78*QQ7Q>XF"UR]I(A(-5<93VF$7YMD9X1M7D!$!=-R36==,G,$%(A95A"TT<
M$,CU5EX7$7*2>S7!,@Q1/[@O"C$S[3Y#%2KX40CGK8@LP$308/D0XD+D/?TK
MB;IF;A9EW'B2+385QA'I`FB49IOTMW5E$639?Z&\<03W/A?4IW6Z2Z['5BGL
MD[HWCK,3L>T6NN[-T,FO4\B;LI72$!)()KY72Q0,*RVG[QHY1^O<S)(B_;[X
M6';XP%F=$])9JQ]':GJZ/L[5ZBL]HNI5508(/6#!N,1>(C2EL6Z?%##CFM:)
MA#ESKN7.K-557*N-!HMN_,.F;!<$3],=`C8I4%R=>&YOFX;<[PN64W%+KN>`
M!8)]84#C14I":E>AVK'9VL)KHL`'.)%&@V[U\D`$R%(<BNJDVU4W!RNHGJ,[
MGW,W-H[.'!:=W%%;YE_T8;[O8O4O(LNB-TJS'"3Q+9HLU(WV-KV)*)8WU>81
ME*KIOKMADMLF'__1ZG>H?:_0]*W?(>3(+-*1(=*Q83'C$_2OR]X/SA2]+B)D
M(R9BABQ)[.%]Y#+"!<>HDY;@(2%DI;Z54]G_`/%MUTG>02(#WIZ^%>HZBC'0
M'2^GL)O\S$K!MN,RKGR#$KKY9YN*5D5B8QJ+JRC*8>6N5'S4TO)G'\3*G3>8
MRSY#GFBA@>U5;L<!N70O1E-]-Q`O.J3E^\NCT=FDFKB29>1N6PTY&)]#'*3.
M5PV3Q.=`8U+(Y)(\[7T3=LWS)!='?;\;:XSX&.=F=!W!7'MA[`YYY<K\5:O0
M/0G&W%$LB9HF[2_JKGMS$K`ZNA$SLCHU^V(Z$A\=BD?DD>+#HZSUT.2Q1VBT
M8::)JN2#,-9>7^<H;R73^($)DAN7%GYZ4V=;UN3MVU4F5LVQ-GRA^Q;5G+]+
M1NP0(GB6V?K;(:I,!`QNV'LTT63-NEH&$_"+/2QNZ^9N['S11,IWPU]L-P0Q
MT48&!YM]S;K)N"*WY:>NF!?5JL-3(4'0D;+H)(I[-,Z'U%M<[;KY4R&EW;E5
M^S*QI_'$^5[?IF-<Z8C2C6Q:TWE<EY^OV8'E]#39XB%Z>1I/JQC"HLX:.V>V
MFH6%!Y&@X;[;-SC;.^-]`PT]7%OSCB:B1S:M.!.?K(O_`*4M[HFQ@<0KKK1_
M,.N9C!Y;T/8Y",1V5/)!S<8EN8%7@_5N.UEL^E(@$KLWW?D7@]PX53P'7V+7
M>NAHYT28?Q1%RQ:+D!>'23[^->K-TU'3#]Y#71!Y^FOMLG]NF,:*?'Y8QC&?
M`P-BG=M>],=73B>1",S+J<Y0TPF];\:<O4HF)-9'&8>L:KNWNQ[\FYI^%J&D
MD9M(]B,:@#F7'FCQ6#M5RH!H^6DRC;4'N%<G6?T48$3KON21.7@1#\;(89QM
M6>22_-D*.#G&KT<8M4X<:C)'U1-!#M%)9JH<8"8B.<IZ+-([A\@D3V!W[`L"
M#U+!I18]C2<%"(%"`;Z02B42(BT#@P006WV<.WCY\\50;-T4DD_QKC.V,[;9
MQKKC.V<8R&#WKYN;I/I+E>.&^3H65KJ2]6265]2="=H7]`9:.@L"E-\GL2W>
MO^?ZBGFL;E_1$TJ6M7`:'"#'UL:L9(`FZZ1B0[-5Q+@'FMNJ(CP9PSW%<E:/
MY5([K&<UWK<D_O\`GQK_`"2[K5G]=4_+SP"13":[-V?UH`7`_&@0*-0'1R-M
M<X:"![!IKJAJ%A0>PZOX<X5YN9SE^0V%0"D*(IZ#16/,-CL\LN9CZ^CD3AE<
M5S%VVC-U*)U+GH_1NQ:)Z()_+.RJ^S=LDLLD$RYBJ.PPY.P>@;]V8[7_`'GN
M"_DHR,>)E`5%5/&$WRU<<\1<NWVPS/IPQT=)DSQQ/33)^4F7[A/X#DQ;1F'_
MTNU'H>\>>ZC*P\38XAK/[>F>':51TY$(6A9-WV$X%[Z?L9A4.:MG!%A'1+U\
MCJ3D9)47%8]^UHX+DQ[;;9?`81="V&0:>T^`6/W'9JW"E;33UZS('$*DJBUT
MI'T)<[&/]'0DX5HTL8KL`;G3N?&-"S8DZ!TKN[D.Z++9!E(7S31U\P="2U#T
M3V'3P3F7FVO)YZJ^(FY$#A6WH\9,T9VL>AT?D(N7:-><*EKDD-_UP0FY-@LU
M*E[(55D"C!\[U=P[5POAQJ&*W3G#*7IHMFF>N_[Q[3`50^O?>ONFNTJZL![:
M$N*4'?F&[*62GIN.3B"VSN!LB,6Z!AYI[(&@HK&)<Q&O&S1G&R^X$0Z!RK;@
M/MC['J0M7?'\PZO@G/'1[:0U%.K.]D+GDV)'FU$S2%'QDMMNL:0J6A(MU!!Y
M)(-D$1P7_+3C%VV2([.5(HEA5-^S"S4N:^KM?8WQ1SR;[#B=.CJ2]</4IJ!(
M\5<PPBNQM50YO:W$M2B*\#L.II9V>%+#WXD4CHP)D!23E%`"X3;I::NW&K<)
M5VWQSUIF7UG&\W=[1.C.<ST=DSR^[/Y\Z-INK.D!TA%'`*L*KV/5-6.G'M0M
MJ^FXQR_;GCC$)*#6&:7ZJ+(<JKJ;;A;G$-?6QR!1G]`\7^N:<1&.)S&>2MI/
M.QK9HBD=BR4\LF228:RF!NCY!U=>%F&*X"'-AVI:2`F9,FP9,M,NUU%7#E`&
ME+<9W;T)H_QV=U5-C4-*#UV&_._([B6<JU!HBZ3?MU-I99$8EY/J&QR6K)WH
MBMK_`)H!C#[Z\[JQ['RQKH"^<H4K[#>-^?:_XXI[GCA;$5IJ,LH+%>D"=ZV1
M&6MAC`@O48*M.P^=X9S.F3?W#)4V[1U*4,31)N7+?O.]2R?VI:9"::\1>PS6
M?$;6;>VB=#)7-@K,//8"GR]5)OGV-(C3#I^+SS[5\@D3XM6+UJ->J-7)$^<F
MA,KOC15XNHFD@V2"S$_6334[5U+]<6+<W=TK;MR*08AU`=ASV"0UP59-6C@I
M`^?JD@U4<XQJ2,<MLY8'_P#$G$H9:J;Z:%,Z;[XV"A^0>JXKQ30%3<;]L-9E
M2=E\QPJ-\_QVQ#U>V"8IWH6NZF%M()7-SUQ;<>`R*%/74ZA`4<_.`GSYC((^
M8<K-W;!)#+59P$FZ9Z'<=M<W=!\V<F<]7?=KF]:1LZGB%CV+`)YRMS[%QUKP
M220S)Y]:=]PF,F[#&Z-B2NVO]=QV<;Z+833=X9IJ87U#]/U@URQM?G?EWM>V
M[`+7I>4_YXKYU'BQX3O&X=SX//PH&TF=74]6:KXKI`R[4LR6'2HT_=DY:=?-
M5$'Q'+!!D-8AJ[X'_]/L5M'U\4/:E\ENDG<BZ$K^UI1#HM7TW-4OTO>---YQ
M"H2]*OXI'#[6N9Q'LMF`1R?(;I?QNX]395ZJMOMNOG574)[2O$G*'/1_>:51
M1D("V2X;.V9&XCK5[8%Z'6S_`$23?I2:]+$>RNWY1A]HAIA;)$VZRK\<?+.?
M`:;P$C]BM<@;2Y$L6-S*-H3.NA$JH^R[;AS@7L>TEM*TS?=8W!=<8TCJ;1^M
M)W)^J(*8:(BDDMUB:RVK5/\`&ZVN<`Y(5R'>AQ+R.N!CN/NQC!R"=!56JX=R
M'7:I*C'`E=CMLR6&+,MM-D-T<Y2V2SKG3/Q_'@9V1\:B;]OUKF\9?K*UKZWZ
M#"?G#9/<4PVN;IGHXDNE^YG&54"9!.C4-MD<9UPHBAIMMC;X:_$-)O`/`/`/
M`/`/`/`/`S]HP;MR7=<SYR,[8:4I>L^G=R<JF]\+8'@9G-7K^P;ZYR)N]_PP
M8ET)H0*S2'(:_5L1CY(HR01_$;767#0+P/_4[^/`/`/`\*I)K)J(K)Z+(K:;
MI*I*Z:J)JIJ:YTW34TWQG7?3?7.<9QG&<9QGP$KYEQO1<SE7&19=SL"@X'^R
M>8G[Y3;."W.1$U_#.:U8.'2O[!0IS!*W;6/.=$M%$V,1-1#=PNH\?KXT")<S
ML43';?LJGOQW4="IMRW0>SG?+G?71E7G-<6NQJ-2WW=[M=$FKOI]RX^I-!/?
M7=WMOONI]FNJ0:">`>`>`>`>`>`>`>!#YY`8C9D:>1&;!TC0-XNP>X1RX>,'
MP\J(?-R@0\",C'#(S'I)'RS1%X.),5V[Y@\137;JIJZ:;X"1C&>XX</'J/GI
M11BR:,U"9/=!0B1W;()H;/B"C5NT:[O7>VGV*Y3223RIMGXZ:X_&,!__U>_C
MP#P#P#P%7ZPKJ;2.&`+2IQDD_OSGPZXM*I@Z[O5@RGRJ(4B%G-,FW>VVB206
MX(*2?!TEE\[-Q1Q0:7V344&):9"E?7C-8A:[#K&[8*Y>O(Q=W5&MDB'),8Y!
MD]A3[F#F,`#2*@B+5D8!&&D?CS1%XQ?)Z/6;I-1%;73?3*>@:)>`>`>`>`>`
M>`>`>`>`>!__UN_CP#P#P#P#P,YO7DC3"9'OC>BB$S>1)Q[$;U6DC:4AP@P,
M)MW6$U"A=H^N7HDX6=R&"*6RB8=:O"#<8[T+N7[71MNS;-7CL-&?`/`/`/`/
+`/`/`/`/`/`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>g90582g50t17.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g50t17.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0EF4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````)````*`````&`&<`-0`P
M`'0`,0`W`````0`````````````````````````!``````````````"@````
M)``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!LD````!````<````!D`
M``%0```@T```!JT`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``9`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#M;.@=3ZC9=;U+JN9C@VW#&QL&QN/6RDNV8SC957]INO\`1:RY_K7>
MGZS_`.9]-,7Y_0,W"9DY]G4.FYUC</\`6A6+J;G"QV/:R_'JQ_7JR'-^S65W
ML];U?1M9?_.UK9S\[&Z?B69F6\5T51O>9@;B&-W1.QFYWOL^A7_.6>Q<O;UH
M=5^Q6]1<W!Q<?%HZXVDNTR89ZK:OM%GHLI_9N9Z=MK/TGJ^IAV?H4E/8)+G^
MD?6O[9D8N!FXQQ\_(QOM98PES/2+:[*7U^HRF_\`3>I=7Z3J?5JOQ,FOZ'I7
M7:&5U%EO0+NIX-GLLQ'9.-=M[&LW4V>G8/ZKMEC4E.@DO..@_6KK!ZCT^C+R
M[+:+<C&=E[V-]_[4P1EX6/0YK1LQ\3/JS/\`K7V>OU/T:]'24PJNIO:7TO;8
MT.<PN:9&ZMSJK6:?G5VL?6_^6FJR*;7VUUO#GX[Q7<T?FO+&7ACO^M756?VU
MS_U6ZYT\L/2<C+H_:[LKJ#K,2MP+@69>0ZP;/I,]EGJ5-M_2VT_IO\':J/U;
M^L.&.I9]_4LNC$?U"C%S?3LM8RLO;7;AYEF'ZCOTN+LZ=7=ZVY_Z%)3V#WL8
MQSWN#6-!+G$P`!RYQ4E@]6./^R>O469IM];$LR2RSBFBVE]#-FQCG>@Y^+D6
M_0L_/5#"_P`8'U>Q_JUC=0RK75N;C5$X_IO:ZRR&,MHP79+::\[T;7;+/L]E
MGI?SEVRM)3UJ2YZ[J&/5];\=UU[:J+NGO;4;';&FS[114:HL+6^ONLJK;7_/
M?F+<&5BG).(+F'*:P6NHW#U`PG8+35._T]_MWI*2I)+E/K1]8NE?;NG='IRM
M_4CU'#W4U2XL;ZH=8+WL_1U?HFO_`$3W^I_P7II*?__0]0R\6C,Q;L3(;OHR
M*W56LXECP6/;I^\URI,^K_2?V=A=.R,>O,HZ=777C')8VQP])K:F6:MV^IM;
M[MC%I))*<-OU+^K3*+:*\/8RZQMSBRVUCMS&/QZVUVUVMMJIKHMMIKQZG^@R
MJVROTT3ZJ-;9]4ND,>`]CL#':YI$@@U,!:X+8224TG=&Z4X,'V2IHK-+F;&!
MD?9COPA^CV^S%=_,U_0K1?L./]O_`&A#OM/I>A.]^ST]WJ_S&[T-^_\`PWI>
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M6,?NMM=ZUE-%M.-O_P`"NK224X_U<Z!=T7#JQ[^H7]0=32S'9ZFVNIC*YV-H
MQJA[?:=OJ7V9%_L_G4'I7U5/3+JBSJN=?C8[[+:\6Q]>US[38^Y^79535D9F
MZVY]WZ>W^<6\DDI__]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`"0`H`,!$0`"$0$#$0'_W0`$`!3_Q`!K```"
M`P$``P$`````````````"`<)"@8#!`4+`0$`````````````````````$```
M!@("`00"`00#```````"`P0%!@<!"``)$Q$2%!46%Q@A(B,*)"49$0$`````
M````````````````_]H`#`,!``(1`Q$`/P#1M,95VF;K7ON-5&L>R-%]?='Z
MPW)$:0CUGN6M*G9K9.S);FGJ\MV9RDIBLB?PZEXI6:A/:+:WLYF&AY6*SDJX
M8CB_"$`P[P&IW;W6CY)Y76/;'`[Y(4&.)\;JC<K1:JQQ,(<MXTC.B<+"U,E>
MMTM;E!)H@FJ5A#>>G--*+&!`#_D`4@R.CNU=G7BELFF]GZRCM);DZZKHRSWE
M7D,D#C**UD[/,&M0X0&]*1D+VWM3Z]4S:0&IQ+0A7$?/9W=J<6A48H.095*`
M?7@'`.`<`X!P#@'`.`<`X!P#@'`.`<`X'__0W\<`X%-<>FL8F'?;-&FN):ED
M*FL.KHB$;,,S6HC*Q'"YPZ;.1N<ZY,#N>D4G2=%+5,*D<Z<5"%064G(;5R`\
M/O$K_M"Y3@'`7#9S;G7/3:")[(V4M2-U7$EYDI2LR^0''!-?G.'5S-;8>V5E
M2IR3SU[P"#5Z[*B",8P)4:G`F)]ZD].2:$7U'V,:@W6R:=.T*M9/E=ODUSYS
MUEBCPQ/[9+IQFIHD\S*UT"QF&VF"C:RMFV/K"782\PA,6N*"F*----(P8#O\
M!.-[+!FE:49%WZO9O^O94];7Z$5PFD.69-("SV>W-Z=<ZKET74M2G(<'-\YA
MTQ<&54:6(L]*E7F*"C"S2@&!!Q^!70V;#2)M[;)KJ@Z/2A3$IEUT5AL-!8Z,
M#H-*RR*L]E[>K>UGI,9[Q,B=1)VRV880>'VA5'!:"<^HBRO0`,)MMMM1NC]&
MR38S8V4+(=4\3>(:QOC^@8'J2J$:^>2]DA$?Q]4P(E[@-.8^/Z?!QN"_803[
MC!9]`\".]^]@K!UFUY;+AK$N'KW8K8?3RN79!,&=U>VQTA-^[84O0DP`UC9I
M)'#FJ0)8[9YZQO6F"6IRE"<.#$IP1^H0=?@<':<X*K&L;&LH]N,>"*]@<OG!
MS24I"C-="HG'W!_,;BE@R5`$ABT#?DH)F2S,%Y%[LA%Z>F0YS7NU_P!\4%1]
MX_0_BO[FI^M+7_%_M/O/QO\`8D+99?\`0_=_7,_W'T_W'Q_E?$2_(\?D\)7N
M]@0E_@'`.`KUV;%#J&]--J>%'@NQ&U]K6?5N'G"C)9T66U_KE;FP"=PRGR(`
M%"5Q25*I0C_J(8#%)><`R'(A@#__T=_'`S80?:.1[\]H^^.F;=.;2HF0U;UY
M[":W/[/&9>X_05Q9SQLO(HM%K\C"0A'"),LFSY1LI@4G9W@@PDA%E>K;D:GS
M)%*DT$&O'N%U?J_K#ORG9:Z->IG;U*E$;UWVGJJ*1))4=SV/LJQN<48[?N&1
MV?$(VT-K55]D0E<\2`FRE#FG`W,KD<-L<,NI28)@-_'-Y[?TYVCI?2$6RK??
MNOZ.]]99ZJOB73=@N"S8/JSME'MAJU8-?MCK==5SDC<II%MHPU^9%)3E86^2
M*%N18C3%7Q5AQP7F4+MK';PV,W=US1-J%#(M-+*J&'.:Y#($+S^2,%P4%`+=
M9GQ<WD8+61MR1R1\?64Q(:$P`P,X#P'9&<<0F"M#O;@\?L!9TYQV3,P71E6=
MVFG0'$83!$'81DP2^W+ZX2E/[%I*%S6MI'G\9@,#\(<9S[O9G`9V:<B5F51>
M**_)'"&U,/KP[Z*NT+J]*RC=EJ^*4=L/M'NI9-Z2U\>7US$VH@V>AW^C#2`U
M*J;DKA^+,/VF#Q$$CR'Z`R]Q;VM/\MS7(VY+E0C284KU)*1/\IQ6$-S>F\R@
M99?R%S@J*()!Z^XTXP(`XR(6,9"J/NF-CD0TRCVPLK"_&Q[3S<'1/;B0IV!,
M8M/'"Z2V[IY\LQ6L0IFYS<5J%CJU2]N7C2@PH\R,O./<'`RS`C?6WORT%V/L
M6Q(Z5+)%254,L-4V'2FR&R+"OH*FMI81%S$+=:LBI%YMA-$%SL354B=4J%S3
M*B$Z\?D&<61DH@\184G:][S0+4.4=:NX%UOU[R#2UDU[[;:#K2^FNI+1G(P:
MY-6\T%QJ2JL]NB<44+X_'U%%U`V";,J$XP9;6]"ISZ_W&@#1=J-V?=?/9W,;
MKIK6FQ6._4E-1NIIC.!O$-6H(<])K!72)Q8`1QIG[:U/4F60=SAB<QX."UX2
M,ZY>WE>?*P0RB`K0[A-Q&G;+_7<G^VNN,1N!]C=V0.GK.C[G72N*%S6CE,)M
M2+V*?+YR;]@Y$IV>KI]6X6J2":/EKT0O*87E.`DU8E#OI?W]BU^H*)[3;MZ%
M7EJ3KW:\%/<Z)LA^M:C+:%;EI.5>.]E5W4Z&`5%*Y/:L/#9K!'%^$$C>V)"Q
M(#<)?LS41:LL80\^EG8W.^RCK\M>%[&UTQTUMS?^OFT<FJO76%)90@E5C:V@
MBA4.B=W1>..;[(IVTP]_E<OS&DSPZ!:"W21H%(&THPG!!QH=/TM]KVINQVNM
M#ZKH)XGC^R6LNBE3RK8F$/;:Y1YHK$BK4;?3MAHWQ_?@)438Z0M^8TBIV2J#
M`B;D;RCR8/(_D`(!^=8.SK3#<G8'876G7*VDMF61K*%G'92EA;%ZN#GENJY6
MU'&PZ>)RSHQ+B61Y291K1I%`@@4"P$O)N`F"`#@UY:-;VXRN4CJZ=Q.PF%FE
MDN@CL\0Y^;9"W-LS@4@7Q69Q=<K;%"DE*^1F1-9Z18F'G!A)Q><9QZ9QG(<7
MLAL=3&H])3[8C8.;M]=U%6;6F=)9*7$E8L"FPX.:%B9FU`VMJ=8YO#Y(']T2
MM[>B2DFJ5BU2424`0QXQP,^2_<G;'?#L)ZLGB+]7NX=%:QU->%PW#(+NV5K-
M,REJ6.6:JVS5$.='./1R0/@*T,^38ZHXDMX.$H,6?7F%^WVG$B#_TM_'`2R,
MZ'T?#M];*[$8P2\,EWV_KY&->K';&T+`DATO:XE*4+^T6`_)R6(,C<[((9V1
MJ8,+37(2;#$T)$^$_J2$S`3;*M<M?)U)9+-)K15.RZ9S.`NE52^826LX8]RJ
M4U@^)C$;S7,AD;DRJ7EX@KJD.&4I:5!YB`X`LA&5G&>`DE(=,769KW3M\T!7
M&I\!!4&S,B:I)=,(ERF13YMF*B-.*QUA3<8=-'I\7MC+`%[@<<Q)DAQ`&L\T
M9Q'M/&(P0)[U4ZO4[J9V8]S-6Z\Q&$U72K8AZY2XO44.<5`2XN^*J0M>32V2
M&QM4H5'-:&9KI25X5F1Y^>H;U)>/3"3TX%^+DS,[SA"%X:FUUPV.2-Y;<.2%
M*NPWO#>,1B!U0X5%&X2.2$8LB)/+]II6<YR$6.!'\\I&HK.CZZ+3VN8C)H^Y
MSJ&6<XMC@S),$K[$KR0QB50F;+!IP$'*9-&WZ%M)Z98,63@_7D@R+)8,`X'P
M-D-<*<VUIV34'?T1#.ZHF+E"7:214;L],A;HLKR>1BRXH(UQC[@UNI9*"8P]
MO4C+`>$M0$G)1N!DC&`03*XMS>[MZYI=D*-T:W1&I;G)M<4Q*UO<6]:2-,L0
MKD:D!J=6C5IS1%FE&!$`P`LA%C.,YQP%JV,THU+VYBD)@VRVO=6W/#ZXD1$J
M@T<F\70N33&'HA`>V>5K2!"264A4MZC)*A%GW(E0`@P<4/QE^T)]A\-B%>19
M@@T`BL;@T*BK6D8XO#X>QMD9BT;94!6"4+0P1]E2HFEG:T1(<`*3IR2RBPX]
M`AQC@0E$-/=7:^O9?LU`*(K6"WL[U[(:K>;'AD;1Q9X>X)+)ZCM&2,SXF8@H
M&AZ.>K!0%NQZU4F-7C5Y&+S^AIF!AS>LNC6L.H>O*W5*D*T2M.O;BNL!4LJZ
M6O#[9$:4HK07N"^:1L]+8#C),J(B\9=%!1C69D:(1)Q@1%B\AF1AUUX:G:Y[
M&T`]:NW!4$'EE#O$3+A95=#84#>Q1IE1,QC`QY@Y+:0DS!G2*-IF`,RQIRD5
M-(@`$D&5D`<X"&]'NM;3'KICDK8-3:;;Z^53Y8E76!,G)[D,UL2=&MRIU5,Y
M,JGDQ='N3.C>Q">E(4242@*5-@X8@%X&,P8P72\^H:GYIL5K=L'KBZP/3\VL
M)!:K=L?7M5:\U4IA.Z-(7JZP5ZN2G;B:L)6)#@R>KH`G`I?C$[DL^.O6X$2,
M\Q.I2@DL0_U;]!ZSMNQ)Q3]U;PTI55L*D!]B:S5%L6J@=02YM;G!<J(@\A<6
M6,DVF^5K\-V6IL-2R1'GE@6&9+5@SX\`#U^J_H6N+0.-V;54VW]LYXUQ?MC?
MWI%->]?6E/3S%(1I$S.W`0W%9B[\CMAUCLD9XTSI'2,QMTCR%62U9*<%KLC7
MJ$0`M#[*>O-J[%ZDKF`G7W;VNDQI:YHIL)4EBU..-K<L]MP)O>T<*=Y?%)0T
M."*8L,>5OIBXI$4I;%&%Q))@58`A$`P(@TFZP[7UQM\C8'93L@W!WCM-DBLH
M@4+:K)D"*!4;$XI*SF-8YJRJ7C"AS0/,^/6L^0F/2UR-`-+E.7A(`Q(0?@/_
MT]_'`.`<`X%=FNW\-_\`T,[(/TM]Y_+O\;TG_FQ\C[O\:\7ZWLO^-?U/S_\`
KI_O/UO\`.^P^!_3X_P`+S?Y.!8GP#@'`.`<`X!P#@'`.`<`X!P#@'`__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>g90582g54j15.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g54j15.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0IP4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````S0```H\````&`&<`-0`T
M`&H`,0`U`````0`````````````````````````!``````````````*/````
MS0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!]0````!````<````",`
M``%0```M\```![@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``C`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T)F!@U7.L9BW-L#G/WA[M2X.8[_"_0]W\W_-IL?I/3&EKACW,-9:]
MF]]CB"T[V_X6SZ+F^Y:B22F/J#P=]Q3&U@YD3Q((4UQ'UVS\[&^L'2:L?)NH
MJMV>I778YC7?IF-][&$-=[4":69,@A'B(O4#[7M+6-?4]C@2US2"&D@D$?FN
M;M<U9@Z5TX@QAWLTC:+'-TC9[=E^WZ*UDD5[F5](Z87-M-%K7M+2`^RUWT-6
M:>J]FS^1_8_FU)W2.EN>][Z7N-GT]SK2#.XSM+]K7?I'^Y:*22F(>"8@_<4+
M-JHNQGU9`<:GP'AA<UT2/SZBRQO]A<KG]7ZE7]?L3IS+R,-S6$T[6Q[F6E_N
MV^I[MC?SUU[R6M)#2_\`DB)/^<D"LA,2,@/T3PESG=.Z18&GT["&M`;M=<!$
MFR?:[;])WTT[>G=*:*@*[/T#S962;B0YSO5=))]_Z1OT7K'ZS]:>HX'UCZ?T
MJBFH8V7Z'J>JUQL'JVNH?L++6UM]C?9O9]-5L'Z_VO/4;,W##:.G@?S+MSR7
M7?96Z6^FS\[]Y"PM.?&"8DU1(/\`@CB=\=*Z0*O2]*TLT(!=>8@;?:7.W,_L
MHCNE],R+'N<RPN<X6.!?<UI<"P_1WM9_@J_:ETKJ[>J]/IS\>BQM5X<6M<6!
MPVN=7[O?_(5UCWN,.K+/,D?]]<Y%D!!`(U!U#__0]526=]8.KGHW2;NHBKU_
M1+!Z9=LG>]E7T]MG[_[JXO-^LN?G]7^K^15:_$IS75FS&8_<T_K3L=V[VLW[
MV,_=0)`8LF:,"(G61K3P)X;=K-^O-!PNIOZ?2XY/32T.%[889N^RN@U6;US/
M5^I7]5R?J[GY#6LMN,.:R=OLRO2'TI=]%BK$M%?UK`(@/;_[>J#G-]#ZL:CE
M_P#[>N32=&EDRSF:D=*NO$9>%]=226/]8?K/@?5]E#\QEKQD%P9Z0:Z-@:7;
MO4LJ_>3W1E(1%R-`.K;;734^ZUP976TO>\\!K1N<XKE/K9]:8Z%7F]!S&.)R
MA1;8P-?H:K;?3BQK]O\`@WK-ZIU/J'_/#J>`[*><08MWZON]G]$]4>W^N[>N
M>:YO_,AQD?\`*C?_`&U<FDM3+S!/'&(JA(<7Z7%#L[5=]N1]=^BY%SMUMV+C
M66.@"7.HM<]VUOM^DO17[]IV1N[3PO-L,C_GAT'7_M%B_P#MO8O27AQ:0UVT
M]CRB.OFOY7:=_O?]R\!]:O4_Y\]&-D;C]DT'`_6;-.5@T3]C^L7_`%J?_8QB
MWOK6"WZ]=&#W;G?JDG0?]J;.`L"@C[']8]>/2G_V,8FG?[6KF_G)_P!Z?_I)
M[KZFY-=7U9Z=6[(JJ<\6;&6&'']+8WV^]N[W+HV"T'WN:1VV@C\KG+R<M8[_
M`)K3&N@.D_TP_178_5_ZR=1ZA]9NI=+R/3^SX9N%6UI#_P!'<*&;W;C^9_)3
M@>C9P9QPQB16D(1_Q'__T>^ZQ'[-N_HOYO\`.SMY_P#/G^B_X19#=L=*_H$0
MV)G?_/?X/^3_`.C_`%%X&DDM._3ZOOHC_*O_`"?PV8G;_._X7^5_[M)G[?3Z
M9_0([1,_S_\`@?\`S+_#KP-))'^*_5#_`*#N.#SQ\USOUGV_9J)^QQN=_.SN
M^C_@MOYO^F_ZVOGE))=+;I]=GZ#MV_M^[^@3Z+^9G^:_[4_F_P#&_P#=546[
M?V.[^@1]J$_2V?S7YOYV_P#=_P"#7A222WO\O5^@F;?VU@_T&?1IB)W_`,V_
M^:_]$;OS%TEO\V?H]OI?1Y7RRDDNC]/H_0?5=W[=P8_9\33]./M'\X?YO=[M
MO_<?_A5GU[]G5/\`DKAL;=OI_P`]_A/_`$3N_P"U2\,226'<_+UW?=K-^SI'
M_)?GMV[OY_\`[3_R/ZO_`&IWK0Z'N_;^=/V*(LC[+'J?S@_GMO\`X/\`]V%\
M\I))&X^7Z/\`_]DX0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`S0*/`P$1``(1`0,1`?_=``0`4O_$`.@``0`!!0$!
M`0$!```````````*!@<("0L%!`,"`0$!``("`P$!``````````````$$"`D"
M`P4'!A````4#`0,&!0X'#@4!"0$``@,$!08``0<(%187$1(3%`D*MK<8.'@A
MM28V5G:6=]=8F-@9.3$B(R0EE3?24Y/3U#55UB=7ETB(R$%1,H>XU4)#8S1$
M166G*481`0`!`@(#"@8,"P0*`P$````!`@,1!`4&""$Q47&!$C*S=39!LA,S
M!S=AT2)2<Y,4=)0U5A>1P4+3M,05585'&*'A%E?PL6+2A-3DI2=G(Z1%<O_:
M``P#`0`"$0,1`#\`WY:@X_FZ>=K=#]+N/];^L*!8\DVFJ=:ILU1S'TGQH43C
MYC1R(..,>QW%*<S#;W=H2*92F`8O(="WM<I*4AN6868<`8H\+E&'-QP:V9!K
M#U=9!T4PS7W`];&4FO4%D'5(R8:TKZ,V!SQDNA;W$D6028$WPW+$"(BRJ99%
MR7(&R/+'=S<U:].6992&Y*<DD\CFG+",<,-QL.;HIF;)W:LZGL")M?NL:+Z?
ML"X1B.9\BE-\]Q*SCC66\JRS?%G@;:Y&X;NSL6&VO%"H5RTAI`G0FQ-A;2N"
MU[6>%&YS8G#=8EQKM;IQFCM.].DH@F>'1!I=R'J6?=,$8T^DL+NW,LM@@X:O
MB\-SO*'9QCR9$Z.63\MRNZID3IG(*EO;V=(!6FYQ@K78[IS=R=S=;6.ROU%S
M74@ZZW,G3C*:F2Q9WUK9<Q[ITA;L\-@@,>&,7%(4;(OC+43S%%DS\:O4F*16
MN=:YB(7X]P@YUT(JC#!@;VU7:52Z`3*0:8=-^>W#"DTPQBJ1YLS#.XLUN;H^
MNDS-8R[8BTZ,[DACTB;H^[2!*[WD[X>O`D3`:$R4LM66<<8"R4TQX94-K3UU
MZC)LP83RQB[+DV2Z8HYH<QMG+4ZATHY2PK%-2.),IYBCA3[$,@SR'9(+%(9!
MC1M:W5N$D8FY6@"YKCCRE:@FX$_2"(C=X<5&ZM-7NJ-HCT`E4>U/YHGFE[$6
MBW#4OSED'3M(,!8JU5X]S7G%"EE^)<L:C,'S%6-\7,;Q`W-K&*)M3D@0N2DT
M=S7!/<8@#)B(X-U5+SG[57GO6.YX?@V<-9,SQ;@723I81361:=9[I+TQR^59
MAS#&09.09*R+'M2;D9'DBV10M^,*<6A@*4JT2Q"67<)82^:<1A$0R'DV-L[2
M[M4T6C.%=H+KC;<71W2,9J#RVZ(YWB(+^PR)3-DN/(3$(PXF8/&UI.NI+IW1
M?9<A7J%0#QC`H`/GV"\)N<W'"&,\"U4ZHY#K2P]Q%U.YF28NU`ZNY%'-'^3]
M/,JP/G+23EK`4)<3&<W$L]QTUC9<AL\Q4GMEBGR9+SU2]`:>.]F\D/.6A&$8
M;R5_4N!0*!0*!0*!0*!0*!0*!0*!0*#6_P!J;E+.^.M+BMDTL3Z"P?4IE2;P
M[&^(B)=+83#WV8.CVZE&/<0Q<XY%`.&F9->8^G4%MH5O-"7RC-*O9063:\2Y
M4X8[N\TJIM1637'L^>T4S<#61KUQU*=*V2]B-D"R$OPBLG&.,Y-[.JA7#-[S
M>P166-^8<527(,[:3%:!"EC*IL-;@ED]$`X!YIRPW8W(W5T6MXU0Q_..C+0]
M+]>>HZ'NNI#2\W:IM4^99C)<4!E\=5,L7<&P6'-,KZ]XT;VB")5T[NN5NQBI
M.^OH&Y*B'8\LHI0%21N83."R6(==FL!]QU`M-K#J.D+C'-1/:9YOTSX/UPSH
MF&KIZ9I$P\1'%3O*H^_+VI'$Y3/92!S$F9GM0@/!UZZM.7^5+3=6)F(W\/`N
M?J:S5GO`6.FN`:7^T9R)KAD&<M>^*<)P=M:D^.EV9<0-L!8)+(<^XW7Y8B-P
MQV:/4AY\?`(H;$SEM)!UQ!*-ZR,=$1$3.['@6@DNNC5?D70;BG4[`L^S^9ZE
M]?.M:(X9A&!\3K6J'LNGZ(Q*02?;N(X`C=_Q`RE\01=M*<G][4V./)?4IP>A
M)NH4J2<(QPPW(A_N0NU&UJ/.3=6LD8#Y)IN!*-26D/L^<00K)2R%S6*::LD9
M):)>[9ORG(U[<>HQVOD\9M!?R-E:M2F3[7`(X`@)E`*8G-C<>QF_5QJ"T83;
MM-8%`=8V8=2F(,0:(X:^),GY/>H-,I7B;6'FW),1@$$8XO+8E%XTU-?L:ES@
M]$-!:<P"8*$-Q6O=(.XG"81/-W-W%G;K>SMFO'FE'LY,`0/4*]L.HO45F_3-
M@_*V96:31ZTT:6DN(A7YXG*MR4I'%L1.)#J$@U2$Q((H!2@=@EWY`%#(B-V=
MS<:V<^ZX]6N$6SM$<"X*U89%U&Q>*Y+TC8(TS:@)2JQPMGD;SUEU\)D60,<)
M,EQADA41EC@CCL>?$"L1Q-BFHY.6$SJUNDL83$1.$S"]VI'*.K'"N$<+PO'N
M4>T%-SEJFUC8XQ8VQK)V<]'&5LNIL3X_BCW*<GN&$GO!))N)H\YRPV6-R,94
ME<AFA.0$F&@3)/RBH81N[V\LSCG5-KWR#@WJ>$M3\^R:YY`UHS-B:<$S?)N#
M89KS;]..`F8"K+T4C,\EV/X_C5TR`8:O2KW,;(E<2FM,60!&:>$]<4`81$[L
M>!M,[.=SS-JRTYZ<,J1/5UG&0X>8M0^4YM.1Y?B\?8,^26*0Y*;%H7IX=9O#
MW)ZC,Z@#;/+K7-YDG/`N>DI2=$`I%S#2R#C.Y,[FZMQVEN>M03OK^TX:3\%3
M#4$Q1QFT[9(SYFUFTS9,P!BC(CZS/\K1P*`GWE^I)P18T(3QV4QSE&G,YZTU
M*YF]"6*X[&%)33$83,K>NN5<F9(U$3+1W--;>H/2G@_1]I$B.;\LY1<<B83M
MJ<R?DC*:%/D"V]&6$42<(2Z0C$D9>1(%5XHA`A5*4_,ZR8$:4TL>SAOK3Z#]
M;^KW*^9.RQQMJ-S$XPXY1ICU/ZEL]%R`^/PH_,4`',9OCK`JZ<IU29O)/4-"
M:%[8+&FL08J0V&K4!%^5-IP)F(PJP>%BO6;JKS_E?2:RQO/$^:H_K5[4+5#.
M\?!8E3;>R/0GI9;DMBH"V=,V*";QB3F"=NG57+#ULQON.W.Z`5@B8B,=S>AD
M9HQQ;GS45J2[0"**.T*UOGX;TMYA9,#8F6G3O&(WF03IJAKD',!F1U:#$#42
M\I8W,CDEVPEHLQFED<H#S317L9<B<(B-R'I=E3DW7CK!-B(LY9.>(]C'0].L
MJX>RS+(\[HAOVLK4%'IF]%(27A6G3=.CQ+BV"K&<2NY-R+/[R?<%[FIP*"2$
M%6$;R1%4N!0*!0*!0*!0*!01`<]=IUJ6P;J>U9Z@'#+LD4Z4'B::Y='&((`9
M9%NE"\\:;M/>.GS&\L9E($QAUC<A9:+5H"5`!F<AIJD?-$`0K`C%V13$Q$>%
M46,LLZV,WZEGK"3EF?6BZ1S3YIZT>P;)CWIUSAI2Q.X'ZALFXR:9]DZ6S$>I
MHP*F4)$SP\N"$Q-'4"E8FNVE@&6&PDX5(PB(QP9?S/'^=)UVKX='T(U]ZV6#
M%C1I/5ZB\LGLTXQ,2YQ:0N$[(@,(@\-6J<)JD"%,:C,3N2L+@E<E2DDX0PJK
M#L9R/"C<YN.$+W=I%JEGN#]36@'$$&R+(XQ%P$:@]2.H<Y`X)RUDAPOI;Q.;
MD`UAEJPXFPQ,TW.:%Y!X["*":<1R"Y>6UJ(B,8EIIT\Z[-=P"L0:5,N9^GCY
MFK6;ECL\,PX;FM[I4,DC^F_.:.72W.H6\XE"78N.,+="4:('1]*,874=PW+O
M85['*8C=F/`S5Q1F[-6MB*/VIE_[4!PT*2*<ZO7G!NE;"*!NQ/)\<VC\+D:9
MH8X5/L9O@V.:9+RKD)62HN;R2!(58!I5P)S$YI"<MRHPB-SF^!C%E[6OJCR[
MI%R]VA4+UF9,Q=E^VK9'A?1MHNQP/'A$1=F%-DV+PM-$,H8Z<8H]3[(V2WZ,
M&.SP>6L5DE@&0&Y28*<THDHF(B)PP>EF;M)]7N/=?TSF4?G\KDN,G;)NI/2!
MB'3:RE)U\'?M4^',!X#B$<9R4O1C7+"G34KFJQBL77!V*3HCQ6O>Q`[W&$8+
M'8TU7:]))%=-6'A:G-1.69EG#6+JLLKF&+9]A^`SU_TWZ78=%(I<<(EV;;,&
M+(ZDFL[62%P3C=AB`,3:6GM<U2$LL\81OX>!)4;9O(]*W9UY4S3-)?FN42B`
MX=RUET1^I"?XFR/DQ$]-4>>7*.Q%SF&$42/%KH2)>W)2$06JZ@KE4V"(XPRX
M[U+AOS@CNQ#4+VHV+-,Q6KB19#U@MV+F31IE.4YQDFJ4["I$$D^7LKQ.\7TN
MJM+;)%4BC)"9"USN;,3PK6/(TIIQ"0XH?0W&!,=&ZYX4XX>RO#-LRZR]/_9X
M9)S;(<O:WB=34Q@NGC#V/T66\YZ2LB8X><SYLF,652J38>B>""WR=PUQ866+
MNY;87,5I)X43ET5RCU(#S4@PC'>W&=?9$Y&U$9$U`:QV3).<<_22"8.!C;&"
MO">J-9CV29KB&6W%L->Y/+W*1XNB31!&Z)N%T"I*TM[<Z/`S".4U8,LP!-S4
M(JPPA@_J)U69ODQ_:WZGFC7GD_3W&])^96[!6D_%,0?\9GP:;90QU%T,?G$<
M>(5,8;(WR9#F,L+2GD60*B+)35BP\P)R<JP"7"F(Z,8+3YU[1'7&]HM42Q%E
M>38KR(QXW[,[2Q%8LRV1L[#%M7VI!IBV6\\NS6T*"C1))%&B(5*(^<48,X:-
M..]O4M;EH1$;G*W)ZU=1DNC&J[LI=-.*,VG,37EW-$TDF69,BD[$'?.`8"A#
M2_+H5*7D^PTB@&1%;F(DU.6,LY8I!8L%ND&7:[@<8C<JF6%F0M1V7LMX>[93
M5:VZJLW8WPWIURQN3I8/PO(X4@85LGP+BETBKPQH7:00N8HWG'67\N3=D5NJ
ME#8"LTU&5U-<65TY1SA3A&-,8+&Y1E&L[%3!V9&+6[5EK1RCFW6I$0YOSXR,
MF5=/D/DT%BN/\3H91(8CB*0Y2C$%Q[#D[ZZ9`/L<9)USI=2='""R!V.N$A4X
M$[D\[<W(7UEDOS2ZZHM'6CA3K,U6X#AA6F[/>K'4WD*>YLTXN^;VY@=GP,/Q
MK'Y#DZ'Q!^P5LF)26(V-+Z@E4E6;7)7SSQ&\T\HC<PF</"SB[(?4OE?+&C?*
MF6M2.4!3Z'8[SYGE@QEJ`E32SQ0>1-.&-[-8V?)\B,:D;6RF%$+RGH@Y8`@H
M-B&_D,N,PL9@T(JB(G<:H=.NM753$]1$#D>K[4!FEK?I'!=2VI5D3XWD&"\S
M:&=1&GG&$"D\Y2(X63"KM$IPHW1J.Q=4!&\K"G-Q<G`H`55R5`A$W)F(\$*5
MTUZ^]=LV9^RNPQF-;ES&;EFS-$WU)9.U(RN;0*['F_3+C%+*<FR:,I&YJ5G/
M\'QN@QHI1%+3G$MOY]DXCB!WY@Q`<"9B/=2K_#G:R9!SQVHFFF1QO.#RDTPY
MSS%F[!S-IR''WAH0(L>QW&S8WX'R[('%VCS>D6S+,65W)T<>K)EJL3<TI42<
MRP3!WY&.ZB:<(G<W5DDFM'6/FG4L4\1'4AJ/P_#\Y=I3+,'Z;YDX..-5^D:V
M%H`^`3N\6<8=N?)\H/F2G9(46!*$Z[;'+=:MTZVUP'#*)PB(WO`OMH]U/:E<
MPQ7,6NC)>3M9]L0QV6:K]0V/$L9S;I1:]-'!S#`)O+(QC>3X;=!.NJ-U17<X
M<J95'4R$J8Q+T-['`)`:I&)B(W/"_]"=HCQ)C%OR>\9J0P2,)<MR"*(H,]Y%
M):4H)<Z0YN6EN2",K7NQ?73F1(X%!.+3W%T83;<ZUN7U:"ST*T0:/<<96<\Y
M033-A**9>=G%P>%.1&7'<:1R@AW=P'%O#HU.1:#I&)Q>0J3>N'HNKFJ[G&W-
M$.YAEQ$XSO8J_4:=L%JEV:'-1BF$&.6HMK:6/.Z_82,*S+C,PL:^,L[3/E(`
M!.DC<W1QT4H"B5-QEA1GF$\G1C$&XQG<?@\Z;,`R&-8HASWAW'CC%,$O$6D&
M&8ZHBS5=GQ>]PA*!##W6#H`IPIXXNC2,L):(Q,$L2<%K6!>U#&=U;S%>A+1G
M@^<I,FX@TQ84QQD-O)<TZ&:Q&`,#-)49+RE.0NP$SND1@6D[21J#"CKA':YA
M9@@BO>PKVN)F9WY7-;]/6#6MCR[&V_%$%2L>?ETG<\VMQ<>;[D967S-J,8Y4
MJGMQ%",DQK\SG#3*>M",L,D8@_@%?E&,[BR3QV<^@Z0NL*>W[2)I^>7+'3&V
M1F&G.>,HNN*9H\R"YS(RV1J4!B)>V,G+>R,E46<!(&]PE6`&][4,9X549`T.
M:.LK9/;<SY*TRX3G64FI.VIDLUE&/(V\O!A;*6D)8Q.`EJ`U.[*&).@)*0FJ
MRSC41)02R1`!:P:&,[V+S91H%T43;)"K,$OTLX.DV4EKXWR99/7S'D><I0J?
MVFZ2[8[*'54B-4FK4'4"+%#%>_,L4&UO4M:U#&=[%?9KQ)C%DR3*<Q-$$C#=
ME2;LC/&Y=D!(TI297(V"/6#9C9G=Y`798L;FJP+=`4,5P%_\+40LYB_0]H\P
MID-TRSB73-A3'F27<Y>>IFD4Q['&E_3"=2[%NA;,N3(0CCJ9R!:_6"6_JQ)W
M.%<8;W$+E)QF?"RGH@H%`H%`H%`H%`H%`H%`H%`H%!9W-^GS"&I6&6QYGS%D
M*RU"P.9#VFC\W8D;VC;WM*F6(DSVTC4@NI:'E.B<%!(%:49*@)*@P%A\PP=K
MB)F-Y3%](NEVV%C].)>G[$2;`JM6G<%N($4$CR''RYQ2NJ1])<E\81H2&M<X
MV>T!"P2@TL9PU)0#1"N,-KT3C....Z_7.^DW31J?!&@:A<&XTS"*'*5"J+'S
MR*MCZK8AK+D"7D-RU43=60WN0DA-U26P^K*KDEW-+'S`<@B9C>DR%I,TQ97Q
M<PX2R'@'$DIQ%$QI38CCE?!(Z7$8>:A(4)49T09D:!,DBIR9(K.)`-O"F$$D
MX8+7Y@Q6N,9W\=TCNDS3%$"L5D1/`.)(NGP>YOCWB)-'8)'F5+CQ\DZ-.@D;
M[%DS:@3$-CX_)$H`K%H`]94\G*8,0KWO<8SPO-C>C;2G#GIHD,5T]XFC[S'\
MB/V7&)>U0MF1F,^4).WI6J0Y`;`$I@DH9<\-B$@A0O*"%08406&XN0`>08SP
MOH?=(&EJ3P_)^/Y#I_Q.\PS-$Y<<FY5CSA"F12WSO(SJ<2I73R0@,27,62\Q
M4G`:!QYUE9)H;#+,"+U:&,\+QDFA[1XWX@6X!0:9L*(L+.;RBD;OC1)CV.)H
MD]R)N$0)#('YK)0@*?'Q+=*5S%BOIE%K%`MS^0`>08SCCCNJ(.[-3L_SXPWP
ML[1UIZ,B34_/$H;HZ+&,9NT(Y%(&]C:7IZ)1=1Z$+BXMD:0$&F\G.N4E+#R\
MEO58'.GA5R^:']'4CQ>PX3>=,.#%>((O(;RZ/XS#C2*)(0U2L3>J:3).EC:)
ML3M89">W+CB3%MR[J30&CL,=^=?E&,[^.Z^Z"Z,])^,3,>G8\T[XAAAF)W^7
M2O&HX[!F)KO")//6EN89G((YU9("S8\R5E:$J56I+Y#C2$Q8+BY`!M88SN[J
MC)-V>.AJ91-B@LHTI8.>XC&)2_36/,2V`L@T3+)Y6H;5<K=6VP4P#4@Y4H9D
M@W0L`K$N-TQ?6`&<RW(,9X64D-A</QU%F.#X_BL<@\+C#>2U1N)1%E;8Y&F!
ML3\O0M[,QM"9(VMJ,JXKW"624`%KWO?DY;WHACWF#0UH[U`S`60,WZ:<-95F
MXVQ"RBE4Z@K'(GR[2VW.NWMNT'%*<HLB1W4&7++M?FAN,5[6Y;WHF)F-Z3*F
MAG1OG!Q87?+VF#!V17:+QQ!$(\Z2O&\8=G%HBC3S]DQM$M4-PE)3&U=(/JJ7
MG="GZ0?1A#SQ<HB9C>E3,N[.C0G.XOCV%2W2;@MZBN*"5J3'+(?C]C)11%N<
MWM9)'-H:`I$R<PIC<Y`XJ%JE"(0D:A2>8886(0Q7N,9X5[FW3U@EEDN.9BRX
M?QNRR;#\6<81BEX9H<PM2G&\.=D_4W*,0>S>A3$Q=C6H[W),3(@DE"*O<'-Y
MM[VH8R]['>),8XC)EZ?&,$C$$)G\Z?\`)TW+C#2E:0RO(DJ`A!))H_=5`"[E
M)'P#:GLJ5F\XX[H0<Z]^2U$&,L28RPQ'U44Q/!(QCV-KGYXE"UDB;2E9V]9(
MY"HLK?'Q2G2%E@/='95;I%!XN4PT?JBO>]!<2@4"@4"@4"@4"@4&,,IT5Z2)
MO`BL73#3CAZ2X[(GCSE$J&O,%85[`'(TBNYB?IMU`](,H4F>+O*KK*N_*<=T
MPN<*_J<A.,[^+Q7;0/HJ?LH&9K>]+>$'?+9TN2ST[(KECV/K9:=,T+@0[(Y,
M:\J$9BLQW3.28LX!PA7$$8+7M^"AC.]BOHUXDQBR9)E.8FB"1ANRI-V1GC<N
MR`D:4I,KD;!'K!LQLSN\@+LL6-S58%N@*&*X"_\`A:B%-S_3G@?*LB4R[).(
MX!.)0KQ[(<3*7^31IM=W8W&<MZS:4082U608?:,R`"PX*Q):]BE`#1A':X17
MM<G&7G&Z6].1T^QKE0S".,KY'PW%6^#8IFUH@S`DF/(:TI71"UQ:(NH$H53&
MPMR-[6%$)2!`)*`J-L$-K#%RC&=[%2D=T1:/HEEYPS[&M,V$67,[FYJGQ3DE
M!CF,$RHM_7FG'N,B0.-FZXVJ1NARDT2IP2V)6*KFCN::/GBY1C.&&.X_R.:(
M-'L1R^Y9^C.F;";+FAU=%+ZJR2AQW&BY26_KAFFN,A;G"Z`0F>0NAIY@U:])
M8A6J$:9<TP=S!W$,9PPQW%2(]*.FIO>(Y($.#,8I'V(9"F>6HN\)XBT%.3!D
M_(G07G.0&I:!-90CE\INE*NM<`"LI.N4"]Q\H`\@QGA6N?.SET'25@A<4D&D
M?`;S&L<-;LR0)B<<;QU4UQ!H?9&[2]Z;H^B-1B(;$CI*'U8O/`58-C52DPP7
M*(5[TP.=/"OTOP1AESP^#3\OQC"E.$"HRW0PO%1C`WV@H8HT62A;8]:.A)"W
M;)261%<TGF<S\2W+:_JT,9QQ\+^Y[@W#N4<8BPMD7&D-FF)!(V!N%CF1,2%S
MAXD$54H%D;1B8E!0T`DS&J:DQB4%P<TD9!=PVM<-N0C'#=6=BF@G17!6E.PP
M[2W@Z-,J6?Q'*A#6SX[CB)"'(T`*="83,Q)B402S7^*E/:RR!0*PA)K*C>9R
M<\7*3C/"O?!\/8MQH_9!E&/X#%H?(<KR/>_)3S'VE*VN$XE/-.!O!)5"<`!N
MKM<"@8;GF\XRX1<G+R<E$8K&,F@'1#',A#RRSZ3L`)<F#?E<JWZ,Q;$5DG+E
M"]>-T5R4AW7-:E6GD)SD8(^ZTL05-C1B%8=KBORDXSAACN/4FFA[1]D9)*D$
M\TUX;ER.<Y"OEF8IG^",3D5)\F;,7,MIR^!4I![2DP&ET4I@*S><:`E08$-[
M6&+E&,\*FY#V=VA>58TC>'G[2A@Q;C.&O;Q(XE$0P!C1MT8?)$:C.D3DP&($
MR5:T*)"-O3V<.@-+LM"G*"?882P6"P,9W\5VE.F73PKPL9IQ-PGC`&!#DJ1&
M;AY+#&)#CHU,B>DTD3EF1-$B3LX^;(49:X5[E<XQ6'I1W$.]Q7&,XXX[JELQ
M:+])NH-PCSMG'3OB3*[E$F,N,QA;.X6S2)0PQ\H\:D#.U&.*8ZZ)O"H,$/HP
M<@>=?EH1,QO2H^3]G?H3FRF+*ICI'T_2DV$Q:/0>)VD&,(J[D,$-BA8RH[%F
MY*O;CTI#`T@-'8I)S+D?E!\H;\\7*P,9X64R&&Q!KB9,";(I&VZ#)V04:3PQ
M"QM:2)D1P202`3`3'4Z4MG*9!(1W)NE"38BY5[@YO-OR40QD@/9_Z(\6-\^:
M\=Z5L&0]#E&//,0R`4R8\CR0R50^0AN!\A[FILC$J%$74%^:<U@&!`,(0VN5
MR!#R$XSPJSDND/2],4$2:Y1@/%CXW0+&JS#<)1+X>T&IHGBAQ:"8^XXZCQ75
MPA:8<O8$X$)Z`GF)SD5KD##<J]P7&,\*IWS3O@J2),1('W$D`<T.`7./O.$D
M2J,M8DF*72*)D**-+8&G"G"3&CF)&V)RDO5;%V)*)`$-K!#:U#&=U1J31II2
M0,&/(JAT]XG11W$KS)I%C-G20UH3(8._3,XU1+'F-DDIP6;7.1FG#NL.+Y##
M["O8=[V]2AC/"HN&=G;H4QVHD*J"Z2L!Q13+(=)\?210QXUC3><]0B:-AC-+
M8LX&$(0C4,DC:#AIEA%[\P\@8@"M<(KVNP.=/"__T9_%`H%`H%`H%`H%`H%`
MH%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`
MH%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H/_TIQ4RR7.FF72
M*,0C&S?.]SX-&9T_$CG&[4D<DLH=ITVH6*%-"J*N+"]/X[0!5S`N;PR(Q''D
M`&H+!<PXLEYJG4GC0Y(Q'QMQ42(R1/&-6UJN!K?6QI<",C2R$QPLUKDRYF#'
M7=UCZ.<IERUL3*35Q!0!!.+)O80@#"7YL>IG&*V+L,AD#@X18]VQTQ9&6(5D
M?E:Q`B0/#!&Y">TM\D31ZS')7QK1RI&(U"@-.7]$;8VZ<(.=<(P7#A^487/%
MSFW1E<Z*E+2)06K$X1661](-0@6F-CPB;W"0LC4@=W&-NQ5T3NF2&GJ&=;R)
MUH"#Q!+N0\&&YRQQ-W-`PLC]UQZ6M[.J#=,RRL,;.6O4+9,AI&5LF#I'&A@<
MWPR%2!*[!;PF@<]FF=8,2E@`9S"<%GI'JX:XWC74%.U4)<!N^$I!)V)GAUWI
M.4MR(2VR)YA$5?T3A=O&!B8)7.8RZMPSQDJKM]FE8<()H">00PWE4OVI:.,4
MC6LAJ)$:W-VT]HR;:R\MH;-BH=2ZMYV@5:.&N@=AGZ;%B=9T!"CD-77N1U@!
M`1*1@K1YS[BI@&]`<Y`X@$QN*9G.LDA\V<]KNJF:,F.1ML0NV1U9:=KFV>R1
M`S+RF3:`VUR5EIU=B316#1&#U&3,F.I&^,<=8GU2Z.DA9D#\@"CCLG-0$(71
M`ZNC>0]O-F:S-&7E6@9%9H&UR4)'&X4X_P`ARVY*&"Y]`H%`H%`H%`H%`H%`
MH%`H%`H%`H%!;/+<GD,2A@'**F,Q#\X3+&410*I`V+GEH1;^Y+B,&5."MI;G
MJ.K7#9Z*1&'EE`7)N>:6&UQV#R\H6R3ZA28OO8RY-:K@DL">I(FDBV"I%SHQ
M#A,2B..YL_91$D<1$.#.R,[)E)H"O:@&N;F2L-,*1[2**NIN3@H=PUDQ*%.4
MM#DM,G8&2/*'4)+DC6(0"ZBRYASWCIU<E6W7-I)6B;V/$"9?LYNNL>EIBLX"
M%$JN5<(1@N3?4SCX$HCL3-0R9.X2N<S"!1\U:D9V\MX<H),+P"3N+4B7OJ9\
M>&ELEX1)AW1HU"H*8`G$1`6L`UH1@^V>Z@X;C=X=VI](D3F:TDF+W`B/1T:R
M[(R-D663*1/[HM.<R4YS8SQMO/5CL6`*DVY=DJ8I4L.((-&$OZR%F!;`,R87
M@BQK0CAF3F?)`'N3FGJB546DL?7XX10;I[V+$V@89.X2Q0U&#.&`V[NK;"B>
M=TP[4/!*U49U4*Y"$\P;(W)!..2HXR0Q($*X_>#&4ME&FE$QSA:O$>39F>#8
MKJ)0K+MAB<0^F&$L8BKIS@F#!4D%U31201QN='E,Y[1(C,"E.00,#$K4LF+&
MB:X[A4S(>Y:['KC+VC(E$MYI:P!=C0IR%9XT]D;4YKB!@^E=JWQ>VLKJ]N".
M4MI"!S9&Y`4])&*-A?RI$ZS9C9W5N=I+(6>.MK8X/.-WQ*GN[+6TY6<B+LG+
M-LX-=UHP9+HEA+@C2+TW3=77)2%B?K*52B4="I*`<5TZ):2G6)#N8.W.*.+`
M:6+E"((16O:Q#ZJ!0*!0*!0*!0*!0*!0*!0*!0*!0*#&V`ZA>(&<,D8B;(BG
M`@QPUMZEXD)<S8E$A:W1;)9O&RD$MQX,M*\QM"];D&+V944H<!.#6L2JC24A
M9Y5S"<-QDE1!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0?_TYG6<FB4VG*U
M7&<<:GY2BE<"8(S,'#!\ITPQJ/N[,SO4U4)(TO<<OY'A&3F!^2%RE<,:^/&(
M+A3N!5R5ME1/YN2M.<RNIRQGL'1UJX2QB+S%ER##H`BF&A])#(=,V>1-\F,?
MX\D(U)@>"%#NN2*`*23EIZ4!+FNLG*(&H$.PQ]E0+7AY"T/B1^3Z.-8!BQ#&
M6Z*)!'R[0@)8!J;8_"HX4!3(2]0I4N=`70P)#<M.L<5")&.Y@4A"<H02PPG'
MV5Z(H\2R(SZ99%;]'.JH]]FW.LYEJ))H:2IBPC4EJAV.5,VI-J?)*,H9)9:0
MQ]6.QS4E#=*WC2)1FDCE'*\R'V>X0GBR9FT9ZLQ%Q"1LDH:NNSC1D>(3DP82
M2X"0A5W+U1D6.37@R0(S`AL"XE_*;85@?DJ'*IJ1Q&\I4%J7/1=JY"<6BS0D
M%='D#1LD"I'G!7,%$B7+@%ZI.8X+(T3D-_3L-S[&%MI+RK_$,&;<=ARO[>8N
MI?=N]=T:ZO;;Q;V=?Z">Z+R^;OGQ^VOU?G:GA]'S?*0D/0\O.YG,2<O.Z$?3
M#E>L))(C7H;NITBZP%1)$C.E#`RFS71$!JBSDZ98BN;)0%H,3:E$[RL32[(L
M-0K%@7-6X73E@$0A$C)&(%#E?FT-[TR3:$SI'HZU9B<X"V.;8Q)E$HT+GE=&
M[ADP%@E+L+4=:663&%RM1<2`AR(:C3BDZ@U*8I(+.L.5?CCME+YEVI?X5:.O
MK8T.4X[92^9=J7^%6CKZV-#E..V4OF7:E_A5HZ^MC0Y3CME+YEVI?X5:.OK8
MT.4X[92^9=J7^%6CKZV-#E..V4OF7:E_A5HZ^MC0Y3CME+YEVI?X5:.OK8T.
M4X[92^9=J7^%6CKZV-#E..V4OF7:E_A5HZ^MC0Y3CME+YEVI?X5:.OK8T.4X
M[92^9=J7^%6CKZV-#E..V4OF7:E_A5HZ^MC0Y3CME+YEVI?X5:.OK8T.4X[9
M2^9=J7^%6CKZV-#E9)$&#-))-,(-3#,*+,&F/N2(Y.,8+"$0<),<H3B-*O?F
MBN68,%[V_%%>W)>Y#]:!0*!06#SRI5+F1#$3<%9CS&R.RYH?5BC$<XQS`5T<
M=H7)6.51HX]^EF<\*R=*K"_-*=23=K.4%C"F&6HO8L?1FACRH;TZMO"VJM"&
MK!26,Y_-<ERC,NGHY^DI<I(94DB0322F:VA2*<LSRWQMM2*$#PJ7(C$3:D37
M*Z!,0663RO+D<59)4K=ESOH&U7`6/S)*XT]J&;-6`8R:[QR<R:43*6L#D*-:
MWFGKK(_2:9."L]*9SB+C,+M8-@)DP21RJO6.3@N-9##M#>JX!<?E3I-T"!'E
MO3>WLY\H>)U;):MT>V-!K23,\EN3.@[12DN1"LA"=^*F`47>X*'*_21NJN6K
MGYRD&@S4NX+9,S.D?>SN(&E=+UUH>8\?%7))T:+6*F*3=98%(R.D)"6:#G<\
M`@F6L.PY7Z9$>G#*Z%0W3W0AJ:>TJF./44'T.0]++(I)97]WBK^Y%HES!K%:
MUS>X;:A#4J3KB#"UR(]&$2<XJ]Q\X<K\5CBH7OILD5:"-2@GDUV0/@U1<^TJ
MIR[.;8LQ4O0*"T2;6(4@*`G582BXK%`*"3>S9S;AN%0KL>.53B1F;6_JH6_0
M)JC0$IR6%(H2HLLZ<4B%];8Q'8O$V%EER!/K5+136/MT?AR%.!O=RUR(5K'C
M$4(Q8L&>.5ZQYJDU(<C3Z'-6S.`]O9VHU3&LSZ>HJZ7;F%?,W-K1A>8UK9:G
M8LDE;D%W&.P3[=/97S3>>$H@)8Y5S6O,>065L;F9IT1:CVYJ:4*1L;&]))='
M!*5"WH$Y:5$C3$@U8V`4G2IB@@`&WJ!"&UK4.5]W';*7S+M2_P`*M'7UL:'*
M<=LI?,NU+_"K1U];&ARG';*7S+M2_P`*M'7UL:'*<=LI?,NU+_"K1U];&ARG
M';*7S+M2_P`*M'7UL:'*<=LI?,NU+_"K1U];&ARG';*7S+M2_P`*M'7UL:'*
M<=LI?,NU+_"K1U];&ARG';*7S+M2_P`*M'7UL:'*<=LI?,NU+_"K1U];&ARG
M';*7S+M2_P`*M'7UL:'*<=LI?,NU+_"K1U];&ARG';*7S+M2_P`*M'7UL:'*
MKF`9*F<R>5+9(M/F7L4(B&PY>5(I^]8$<69:J*5(DX&5,1BW-^2I`!S4DJAG
M@&<A*1V*3&6&>$RY19I"[U`H%`H/F6JRD"-6O/`I,(1)CU9P$2)8Y+!E)BAG
M&`2-S<0J<%ZD0`7L60048<:/D"`(A7M:X:ZV>4X5;LZ+\[N"W67)'LR/;O,;
M`^:*]2XVV,I#'V;O9R=N?&[2^WS98SDWGBPA*VK712@(+L4(11IB5`)$3X,&
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M*#__U)_%`H%`H%`H%`H%`H%`H%`H%`H%`H%!^1_36).NFL4)1T1G0!/$,)-S
MN9?HK'"+",82KCY.=<-KWM;\%KT&(;9EO,*H&."#5N+U;\^Y-F4!>(LU164&
M/,L;,?YI?8//9C'KJ9Z4GQ]&X-CYBLYGJE]WTM<Z+4Z`/5E!R(E>2_3*&;\C
MX[G<OZ=KCY>,8_&CC6IT6,:88'"8A@,LEA#1()>5E9.\1A$<L92+=(7"W(@*
M?G<]27<RQA(W.52S=G?,[FTEC(*A2.3I<EF8_30R1XWE<<FD]<EL2QQ,FAJ;
MXI?*3H/'I#<S29V6/;R>MD!;:SMY;@%O."(Q.$8,YJ(*!0*!0*!0*!0*!0*!
M0*!0*!0*!0*!0*!0*!0?P8864&PC3`%AN,LNPC!!`&YAQ@222[7%>UKC--&$
M(;?A$*]K6]6]!Y3E(6!F.2)GA\9VI0O%<*$AR<T2$Y8*PP%W"D*5'E#4"L,P
M(>0%K^J*UO\`C:@_QPD<>:;`$Z/S,VA,5"1`$X.B%'8:P(`&"2`NH/+L)4$L
MP(KEV_'M85K\G)>U![-`H%`H%`H+#DRZ<'YV50Y`\QQ]BB-LNX2%F;V!62L@
M;2<QH!1\Y_EHGL\E3-I9*3%8DS6!"63L`CK(Q$FE@$O)\"R[CG;)*9Q-3$N4
M0N3,IK+X=&;6CRL1L%!#M6D#TT]?7CO)!!E*E_:IN)R*`,*$!#DWC+M8X@VY
M1`P9,8FE+M+X20ZOIC>H=T,CGD37.#4F,0MKR=`YY)8/O`A0&K'$;<FD0([9
M<!-UE39/91T=CC;!L8(A<B@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4'_U9_%
M`H%`H%`H%`H%`H%`H%`H%`H%`H%!Y+^Z;#8GIZZ#K6QVEQ=.K=+T'6-GHSE?
M0=-T9W0]-T/-YW,%S>7EY+_@I.Y$RZ,U>^39;,9CF\[R=NJK#>QYL3.&.[AC
MAP(AJSO$^*7!^:94O[,_'JZ4,"E6M8I(LS'&U+\RK%\@.EBY6TO!VFT;@VJ5
MLJ4F.9IA)@!F.!@E`KW.%<=ZORG_`&/[?[F%/]9/_KG_`+A_T3_&_O$^+VU3
M'UZ;LWHB8[16-IH?'W]?GIO=9,V1A(WK&HIE)DSIIX6/XT(F]Q4E&!&I%TP5
M)W27%<TRXGRG_8_M_N/ZR?\`US_W#_HE7XD[<_!V5<L82QE?LS<4,8GS([#"
M8L^WR+$'44!.R=+(DTOKVP-U].;?=.:J5-3<J5E)U"2ZXQL3=(9:Y)0RT9C&
M8CF?V_W/5T%M;3IK3>A]#_X`\E\KS5JSS_EW.YGE;E-'.YOR.GG<WG8X<Z,<
M,,8WTMJK3,@H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%!:+-$`+R'&HN@L
MQ-;ZNC67<)S]M"Z$H3+-)D%RQ#Y*Z/K>8OM<"9T;(XWK1$C+O8^][W`7^..U
MKDPH7-,0D68&=B9&"%-)(F^?GJ')[R*VMMT=FS'UEDE8@)$A"M:^*HM.\EQ]
MF;EY70%"71DQQ';H[F(S#1#%_P`GO,[2*7.P(0DM*AR&:JH,Y1G(D,FR57))
MGC7!)`Y]D@G)F-H@!2R+LD8P4JWD382!UL(XP"=O5)C[\V$XMF]2XE`H%`H%
M!0IN+L9G2%ZEQV.H*;+)*D,02*3FQ&/F2%_0G-*5@.1/3T)ONY.J0UB0D(A%
MGFF`$D)`3>W1@"&PQ?69CV`G"E0C8/$#13H"<N;B,C3*,4R+1EG$I"Y5<2*]
MY"!*4I,"797TU@!,%8/)85^4*B;FYO9V]`T-"!$U-34B2MS8V-R4A"WMS>A(
M`F1($"),`I,C1(TQ02RBBPA`6`-@AM:UK6H/MH%`H%`H%`H%`H%`H%`H%`H%
M`H%`H%`H%!__UI_%`H%`H%`H%`H%`H%`H%`H%`H%`H%!2<^]HLT]Z<C]9UE1
M.]*CI/ZMTA\!<\27*@KRVE(H,A=(WG7:8_2%PMXR(U7*GI4\;]5J-WVU.[5R
MG7VW4&KTVY$H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%!%0[S>_OK'Y$FQ
M7IV9^M>4EUG9;BL;^L=!P#Z'I^J'$]-T/3#YO.Y>;SK\GX;U5S,S',PGA_$P
MIVPLUF<M]W?R?,7+?.^7X\VJ:<</D6&.$QCAC**?O].O=I+/A&\?RRJN,\+"
MC]IZ2_>%_P",K]LW^G7NTEGPC>/Y93&>$_:>DOWA?^,K]M,%[M0]O+W@_4P:
M\N[F[FD95B)9)CFO5+S"2Q1$X0@%#5&FB+`(7JWM:]K7O5S+;M-6/"SQV1,S
MF,QJYK?5F+]=R8SMK#G535A_\4[V,RDM589>%`H%`H%`H%!X$CE<7AS>%VET
MD8(LU"4%HPN<C>&YC;Q*S@F#)2A6N:A*FNH-`2.X0<[G"L&][6]2],8C?5<W
MG<GD+7E\]F[5FQCASKE5-%.,[T8U3$8SA.XH7CY@O^^G$W^(T/\`_6:C&.&'
MF_XFU;^T.1^/M?[YQ\P7_?3B;_$:'_\`K-,8X8/\3:M_:'(_'VO]]4D9R3CJ
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M7YW-OR<E!CCQ$U/_`#:H;](1'\E]$X1PG$34_P#-JAOTA$?R7T,(X3B)J?\`
MFU0WZ0B/Y+Z&$<+27V^DLS0]Z&FE'/\`#L>@C%;.\`.`]M>5T\T4C7@CL["G
M0W9RH5'Q!*/+&8*YW3WL"X+6YM^=RVZ,QYOE8S[5^'W7Y?=__5L=7?0OZHM;
M902`^[PO>06+4WFQ1CN!->0'0[!!I*YM=9L5!B42#B!#1W7%N!L>D5E9ME``
M%]#T0+\@[BYWXO)>SENE5Q,M=D'OMK-V5/7V6SWM])9FA[T--*.?X=CT$8K9
MW@!P'MKRNGFBD:\$=G84Z&[.5"H^()1Y8S!7.Z>]@7!:W-OSN6W;F/-\K[?M
M7X?=?E]W_P#5L=7?0OZHM;902`^[PO>06+4WFQ1CN!->0'0[!!I*YM=9L5!B
M42#B!#1W7%N!L>D5E9ME``%]#T0+\@[BYWXO)>SENE5Q,M=D'OMK-V5/7V6Z
M?M>=6^M'3WI2;IY!HPVX`>CLM1!@%.HUD>.Y&<3D+BRRQ2>PBC[UC=*C`F<#
M$`#!*+"YY=R+!M;D'>NZ]5531C3.$XLD-HG6O6#4W4"SI?5G2=65TC.D+-N:
MZ::*IYE5%V:J<*Z:HW9ICP8[F^C%_;)]IA\ZR6?!+&/]1ZJ^6N>_8-_?[Z7_
M`+;7_BLO^9/MD^TP^=9+/@EC'^H]/+7/?GW^^E_[;7_BLO\`F6X7L9NT*UZZ
MC\ZY2BT^E)VHEM8L2F/Z.,2A[AF,T;(NM,8RW6?D[LQX]5*%ZFQ"T:?JX[6!
MS3KCY>4-J[K%==55453C&#(W9K])6O&NVM6GLAK3K!<S>3M:/\I1351:IBFO
MRUJGG8T44ST:IC=F8W=Y(YXB:G_FU0WZ0B/Y+ZM,SL(X3B)J?^;5#?I"(_DO
MH81PG$34_P#-JAOTA$?R7T,(X3B)J?\`FU0WZ0B/Y+Z&$<)Q$U/_`#:H;](1
M'\E]#".$XB:G_FU0WZ0B/Y+Z&$<)Q$U/_-JAOTA$?R7T,(X5R\=2+*#_`+8X
MD8T9L=]4V?L;9&0B9YMCI^O;1ZQT47C>RMG]"1S.7INGZ<7_`$='^,.5<RB"
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M*!0*!0*!0*!0*!0*!0*!04G/O:+-/>G(_6=943O2HZ3^K=(?`7/$ERH*\MI2
M*#(72-YUVF/TA<+>,B-5RIZ5/&_5:C=]M3NU<IU]MU!J]-N1*!0*!0*!0*!0
M*!0*!0*!0*!0*!0*!0*!0*!01.>]!_Y'?]2_^W^JN9_(Y?Q,(MLG^7/\0_4D
M3JJC"$H)CW=E/V&:G/C8B'@>=5S+=&KC9\['W=O7'Y]:ZJ4FVK+,(H%`H%`H
M%`H-"_>+_N_V;TA<<^#.0JZ,QYOE8S[5WJOL=JV.KOH+E46MPH)('=H?.NSS
MZ/1WC(@]6<MTJN)EILA=]M9NRIZ^RVQ]XO\`N_V;TA<<^#.0J[<QYOE?;]J[
MU7V.U;'5WT%RJ+6X4$D#NT/G79Y]'H[QD0>K.6Z57$RTV0N^VLW94]?9;8^\
M7_=_LWI"XY\&<A5VYCS?*^W[5WJOL=JV.KOH+E46MPH)('=H?.NSSZ/1WC(@
M]6<MTJN)EILA=]M9NRIZ^RFEU<;!R@4"@4"@4"@4"@__TY_%`H%`H%`H%`H%
M`H%`H%`H%`H*"!E7%YDG7PDO)$",F;4A<W1TB()A'A2=M;66R2[RXKV$+C=U
M1H6FR\CK)QA02R.G+Y]P\\/*`K*N+U%X4$C)$".%DIN1O&.@E3"/&7GS0XID
MZQO=(58#C>\J;ER-64:2>AZ<HTLT`@BN$5KW#V8O,HA.$*ATA<KC<O;$BXUK
M5.,7?&M_0IG(@E.H/;E"MI5*TY*XE.K*,&2(5C`@-`*]N05KW#YY][19I[TY
M'ZSK*B=Z5'2?U;I#X"YXDN5!7EM*109"Z1O.NTQ^D+A;QD1JN5/2IXWZK4;O
MMJ=VKE.OMNH-7IMR)0*!0*!0*!0*!0*!0*!0*!0*!0*!0*"S^;(LOE49BY+6
M4]GKV/,&#Y262R/+NT7&@C^788OD!KJ4U."`IZ9$<:`L4*$2RRA(.Q5C+E",
M**$$F'D3]`.=+L;O4>(DAIL%S.C`L&D<'QG;A(V\MU8Y,K7-B=>C;)&UHQF#
M("-42I+*.",1-@BM<5"/"Q09XTE<T8GH[%^3D>.^)C:GFV*%L+R*-]=8JRXY
MS"V-$[EJ9^0(S,E9%FV3']H5N:]I.=0HP(F=0J4V&@-6@A/*SPQJBE#;CF`-
MTW4C631!"8JBEZLQ4!:8JE"5B0$/ZDQ:7>Y:L9[J6:*YH?4,O?G6]2]2XHM_
M>@_\CO\`J7_V_P!5<S^1R_B81;9/\N?XA^I(G55&$)03'N[*?L,U.?&Q$/`\
MZKF6Z-7&SYV/N[>N/SZUU4I-M66810*!0*!0*!0:%^\7_=_LWI"XY\&<A5T9
MCS?*QGVKO5?8[5L=7?07*HM;A020.[0^==GGT>CO&1!ZLY;I5<3+39"[[:S=
ME3U]EMC[Q?\`=_LWI"XY\&<A5VYCS?*^W[5WJOL=JV.KOH+E46MPH)('=H?.
MNSSZ/1WC(@]6<MTJN)EILA=]M9NRIZ^RVQ]XO^[_`&;TA<<^#.0J[<QYOE?;
M]J[U7V.U;'5WT%RJ+6X4$D#NT/G79Y]'H[QD0>K.6Z57$RTV0N^VLW94]?93
M2ZN-@Y0*!0*!0*!0*!0?_]2?Q0*!0*!0*!0*!0*!0*!0*!0*#&HY<VJLU.$G
MD+[CQWB!T#.@<>)'+V0=XRWJ52=ZG:EX;UEBC%[ADIW"THKH"PGI4B&+!4&*
MK&K.IAC&.%2G2>C8QB=(6,?A*?;8_MV(SVYRQL>#*..1$LF&M.6,)2(.4G$A
ME0FX5>YBYRPQ+`4K20QY.1Y!:IB:VIS7Q6B.CXB2W%O`2N#SZ8QPG[4T9^\+
M'QE'MKJ:>(^''1LH=)QD^'N+K(&R!QAK9$.1FN6H6=C@36Y(6P13Q>(XV">M
M5W>AI[@LT`,ZLB3B.4*E(SCKL8X3]IZ-F8B-(6,?_P"Z?;9*S[VBS3WIR/UG
M64G>E&D_JW2'P%SQ)<J"O+:4B@R%TC>==IC](7"WC(C5<J>E3QOU6HW?;4[M
M7*=?;=0:O3;D2@4"@4"@4"@4"@4"@4"@4"@4"@4"@4$1+O(F1<@PK-NFU+#9
MU,HDE6XKE:A:FC,G>V$A6>7+2RRSU1+4N2%J#@%_BV$.UQ6#ZEK\E5,Q,Q-.
M$^!@KM:Z6TIH[6+5&C1^DLQ8HJR5V9BW<KHB9\KOS%,QC/&C<\>LY_WT98_Q
M%F'_`*Q5?G5>^EB5_B;63[09[X^[_OG'K.?]]&6/\19A_P"L4YU7OI/\3:R?
M:#/?'W?]]-`[NE+I7,]$V47282>0RMS(U339`0XR5Z<GU<2A*Q+A!04B*5NB
ME4H+2%J%1I@2["L"PS!"M;E%>][F7F9HG&?#[38'LHY[/:0]'>F;V?SEV_>C
M35ZF*KE=5=44QELG.$35,SAC,SAO8S/"PL[T'_D=_P!2_P#M_KAF?R.7\3Y]
MMD_RY_B'ZDB=5480E!,>[LI^PS4Y\;$0\#SJN9;HU<;/G8^[MZX_/K752DVU
M99A%`H%`H%`H%!H7[Q?]W^S>D+CGP9R%71F/-\K&?:N]5]CM6QU=]!<JBUN%
M!)`[M#YUV>?1Z.\9$'JSENE5Q,M-D+OMK-V5/7V6V/O%_P!W^S>D+CGP9R%7
M;F/-\K[?M7>J^QVK8ZN^@N51:W"@D@=VA\Z[//H]'>,B#U9RW2JXF6FR%WVU
MF[*GK[+;'WB_[O\`9O2%QSX,Y"KMS'F^5]OVKO5?8[5L=7?07*HM;A020.[0
M^==GGT>CO&1!ZLY;I5<3+39"[[:S=E3U]E-+JXV#E`H%`H%`H%`H%!__U9_%
M`H%`H%`H%`H%`H%`H,5G#,$V!J"+@X4)K9CYJDC!"UJH<40N-GYYDV.GB:IU
M5I!>?M[^UE=<"D3HS$D;<T1=VUR+6G`ZP0H;2?`^/*V6LH060Y60,Y#(_)4#
M=I838[:6R*G*9$WNV<<R2C$LF5OA[G.V1EDUD(D"=<B+N8Q)DH"AA4GF`$(T
M`B%$,&J@]=D#!V.7"4PEO>'V:RZ$Y-028AOBDQ6/[<RY@3LL<BT9*F4B1B<&
M>38V"G>5Z-8Y-:I4H3%MAIQ:D?5A@SLHARH)][>II[[)'Z\+*\N=^6E+2?UE
MI#X>YX\J3J%%5D!]O4+]]D<]>$=3&_"]HSZRT?\`#V_'AU,Y][19I[TY'ZSK
M*].=Z6Y_2?U;I#X"YXDN5!7EM*109"Z1O.NTQ^D+A;QD1JN5/2IXWZK4;OMJ
M=VKE.OMNH-7IMR)0*!0*!0*!0*!0*!0*!0*!0*!0*!0*"'!WFK]NFF/XII=X
M8%U4S._3Q,!ML'O)J=\QN];",G55AZ4$W?NUOF+Y6]+&=>)_!-7<MT)X_:;%
M=D;U;Z;[<O?HN38F]Z#_`,CO^I?_`&_UQS/Y'+^)^(VR?Y<_Q#]21.JJ,(2@
MF/=V4_89J<^-B(>!YU7,MT:N-GSL?=V]<?GUKJI2;:LLPB@4"@^9:!88C5@;
MCTR5P&F/`@5+4AJ]&F6"*'9*>K0$+6T]:F)/N$1A(%*<9@+7#8P%[\ZP8W"C
M6L$`BPCSUIE`(X=RR0BTH90"(TRQ9AURR[7UI6N,=BBA"Y+<M^:&]_P6O1.X
M^83/JT!U^P]0NEP-VL%C'.PM+&2P[.+$1UH)B_EUJVZH"Z;\I:YG-MT?XWX/
M5H;CZ2XUK!.++.)SUIE-*-`$PHTO2AE`99A8PV$`PL8=:5PC`,-[7M>U[VO:
M]#<:3NWT9-0+?H::3\G9.PY+XW?.\`+`U03!<VQR]A<A1V=W2JQR"0:B<I(!
MH22@FA,3V;`F&"&$5CP6!<(^C,>;Y6,VU?ZK\OVK8ZN^A?U1:W"@D!]WA;LH
M.6IO-A6*YA`H8\%X(-,<5V0,;R')C:J;>($,#=(B:8YE7$RI`NZT(L?6!K5)
M?1A$#H.45C`6<MTJN)EILA=]M9NRIZ^RV>]OHR:@6_0TTGY.R=AR7QN^=X`6
M!J@F"YMCE["Y"CL[NE5CD$@U$Y20#0DE!-"8GLV!,,$,(K'@L"X1]N8\WROM
M^U?ZK\OVK8ZN^A?U1:W"@D!]WA;LH.6IO-A6*YA`H8\%X(-,<5V0,;R')C:J
M;>($,#=(B:8YE7$RI`NZT(L?6!K5)?1A$#H.45C`6<MTJN)EILA=]M9NRIZ^
MRV>]OHR:@6_0TTGY.R=AR7QN^=X`6!J@F"YMCE["Y"CL[NE5CD$@U$Y20#0D
ME!-"8GLV!,,$,(K'@L"X1]N8\WROM^U?ZK\OVK8ZN^A?U1:W"@D!]WA;LH.6
MIO-A6*YA`H8\%X(-,<5V0,;R')C:J;>($,#=(B:8YE7$RI`NZT(L?6!K5)?1
MA$#H.45C`6<MTJN)EILA=]M9NRIZ^REX[JZQ?[]M-'T3LI?71JXV$;ANKK%_
MOVTT?1.RE]=&AN&ZNL7^_;31]$[*7UT:&X;JZQ?[]M-'T3LI?71H;ANKK%_O
MVTT?1.RE]=&AN&ZNL7^_;31]$[*7UT:&X;JZQ?[]M-'T3LI?71H;BYF.VK,3
M9MCBS.\:3;I]G[`X=XFE.+]F='U[:NV-Y<TY?VYUWI$W5^AV=U;HC>?T_2AZ
M$A<N@4'_UI_%`H%`H%`H%`H%`H%`H(1><.WGU-E91R;'7'3YHTD.PG.?XI3R
M!\QCDQ3*SX.!U?&!4RG2)+FE&X$)G-O/.ZP6F$G)&,\RX0!YW)5.<Q7$S&$?
MZ<K7YIC:N](FC]+:4R%G0VA9LV,S=MTS59S.,Q1753$SAG(C'"-W"(C'P0\!
MR[Q7K#>4SFC>,#Z,75(]-B9E>4KEB_**Y,[,R(Q8:C:7,A5FXTI>V)#7%0(H
M@VPRBQ'F7"&UQBY8^4U\$?Z<KS?ZN?21^Y-!_$YK_G'Z(^\8ZR6Y&R-S?@W1
MLA;XR$H,;0H\9Y33(X^$AN4LY`61*3F\!#2$EI6')06("7S4QHR[?B"$&[Y3
M7P1_IRG]7/I(_<F@_B<U_P`XG'U=;%7*@GWMZFGOLD?KPLKRYWY:4M)_66D/
MA[GCRI.H4560'V]0OWV1SUX1U,;\+VC/K+1_P]OQX=3.?>T6:>].1^LZRO3G
M>EN?TG]6Z0^`N>)+E05Y;2D4&0ND;SKM,?I"X6\9$:KE3TJ>-^JU&[[:G=JY
M3K[;J#5Z;<B4"@4"@4"@4"@4"@4"@4"@4"@_@RYEBS+DA`,VP!7*`88(HL9E
M@WY@3#0EG"+`(7):XK`'>UO5Y+_@H,)';5P_QN5N4)D6/(<G?6MUD11RIJRB
M_.4:,8X,T8N=)XY[>68B9]GF1\[,;&DNI7D(XVG575%N;RV"(#8TG!?Z)Y!E
MKSD^;8]?(G&&Q'$(]'I"%_C\W>)(<H+ECO)4+`V.C6X8^BR1I>#&V+'K%1!*
M]<)*6<GY><!04:(+P40AP=YJ_;IIC^*:7>&!=5,SOT\3`;;![R:G?,;O6PC)
MU58>E!-W[M;YB^5O2QG7B?P35W+=">/VFQ79&]6^F^W+WZ+DV)O>@_\`([_J
M7_V_UQS/Y'+^)^(VR?Y<_P`0_4D3JJC"$H)CW=E/V&:G/C8B'@>=5S+=&KC9
M\['W=O7'Y]:ZJ4FVK+,(H%`H%!9G),(NZS;#N06N*I'Q\QU*I0N6+R`,I,E)
MBKMB;)+*H8V1P>%3>`!3]+7%G":GZR20::42<?>P$]C"R6,;G@^=*'*0JB<<
M(A`;IK*)#(1@<8?8>;61^U;PG.,=;4=C',J[@IB&,HVYM=BI/=J3DN#Q=*F,
M$B,4*[!EAAF,N<0QZVLKJVDL1UWF:/**-ISDAQ,289/-Y%)HQ#`7;1FM!.YL
M<=TK7<E",UO(NDN6E,,3A*&(AII[Q?\`=_LWI"XY\&<A5T9CS?*QGVKO5?8[
M5L=7?07*HM;A020.[0^==GGT>CO&1!ZLY;I5<3+39"[[:S=E3U]EMC[Q?]W^
MS>D+CGP9R%7;F/-\K[?M7>J^QVK8ZN^@N51:W"@D@=VA\Z[//H]'>,B#U9RW
M2JXF6FR%WVUF[*GK[+;'WB_[O]F](7'/@SD*NW,>;Y7V_:N]5]CM6QU=]!<J
MBUN%!)`[M#YUV>?1Z.\9$'JSENE5Q,M-D+OMK-V5/7V4TNKC8.4"@4"@4"@4
M"@4'_]>?Q0*!0*!0*!0*!0*!0*#EF9Z_;GFCXV,B^&#Q7F5=*KC:8-9N\FL'
MSZ_UM:T]<7AE!UBZ]5N[<J"?>WJ:>^R1^O"RO+G?EI2TG]9:0^'N>/*DZA15
M9`?;U"_?9'/7A'4QOPO:,^LM'_#V_'AU,Y][19I[TY'ZSK*].=Z6Y_2?U;I#
MX"YXDN5!7EM*109"Z1O.NTQ^D+A;QD1JN5/2IXWZK4;OMJ=VKE.OMNH-7IMR
M)0*!0*!0*!0*!0*!0*!0*!0*#2_VBW;%1OL]\VQ?##Q@A\R@IDV+&3)Y;^V3
MY!%B$9#U+9O%`LXV]5%7PPXY.9"Q'7.L:$(@J+!YEK@N(73<O1;JB)IQW&/O
MI7]/>4]%NL62U?S&K5S.5WLE1F.?3>IMQ$5W;UOF\V;=>,QY*9QQ_*PPW-W4
MVX=OKIX<VUO:E6B[(84J(>1+*>JZAC4)KXARY)@3+)K/(#$4+(N[,TWDY1:M
M<F,_)B$6$`+`*YQ8NOY3'O'S+^L71OV$O_2J/S"X[!WDO%<:6RMQ:M',Q+73
M:2;V254=FMM4&.#T%@88L0HY#<?W`04DCD7;T919=@@"4E#>]KCN(0I^4Q[P
M_K%T;]A+_P!*H_,-]N@G6*VZZ=/C=GQJ@:['"1PE4FBX8RX/Y$E4E&1M20F&
MLNYIFIF*$!7<[EL#H+7!R?AO7=17SZ>=@R.]&6OMGTDZK6M9[&C*LI;KO7+?
MDZJXN3'DYB,>=%-&_CO8;B-AWFK]NFF/XII=X8%U7S._3Q,1]L'O)J=\QN];
M",G55AZ4$W?NUOF+Y6]+&=>)_!-7<MT)X_:;%=D;U;Z;[<O?HN38F]Z#_P`C
MO^I?_;_7',_D<OXGXC;)_ES_`!#]21.JJ,(2@F/=V4_89J<^-B(>!YU7,MT:
MN-GSL?=V]<?GUKJI2;:LLPB@4"@4"@4"@T+]XO\`N_V;TA<<^#.0JZ,QYOE8
MS[5WJOL=JV.KOH+E46MPH)('=H?.NSSZ/1WC(@]6<MTJN)EILA=]M9NRIZ^R
MVQ]XO^[_`&;TA<<^#.0J[<QYOE?;]J[U7V.U;'5WT%RJ+6X4$D#NT/G79Y]'
MH[QD0>K.6Z57$RTV0N^VLW94]?9;8^\7_=_LWI"XY\&<A5VYCS?*^W[5WJOL
M=JV.KOH+E46MPH)('=H?.NSSZ/1WC(@]6<MTJN)EILA=]M9NRIZ^RFEU<;!R
M@4"@4"@4"@4"@__0G\4"@4"@4"@4"@L[.,G.T*G$)CQT9:54=F+FSL"9Y-F!
M**3K']X5N)!J*,0D+(LN^HHN@1%N#RJ4N#8!,@/L),%8<`9%@HAZU#F)<KR+
M$,?BS/))8UIUJ=ICX9RE:Y<ZNA./D<_2/:^.JF(Q.QXI4W<"64<CNN4&E/IE
MDUF\P/Y6B<'ALVJ$UY2%K4<,:G%"P+B09+>&*<;488ZR.63GC%[+(86XGQ5M
M49%0K'&-.JXT-D[6,I$UG='TYQJ(E6,&6M$.69GK]N>:/C8R+X8/%>95TJN-
MI@UF[R:P?/K_`%M:T]<7AE!UBZ]5N[<J"?>WJ:>^R1^O"RO+G?EI2TG]9:0^
M'N>/*DZA159`?;U"_?9'/7A'4QOPO:,^LM'_``]OQX=3.?>T6:>].1^LZRO3
MG>EN?TG]6Z0^`N>)+E05Y;2D4&0ND;SKM,?I"X6\9$:KE3TJ>-^JU&[[:G=J
MY3K[;J#5Z;<B4"@4"@4"@4"@4"@4"@\I]=B6%D>'Q26:<G9FIP=CR2.9TQI+
M<D.6&ED]((`.E&`F]@\M[6Y;^K>U!C:VZJ8NKQ>AR4<RC5;5EC-%6V,Q61,$
ML=1F.J1E=U"YQ6(U*5J9B6>-NHW4\*DX%SF\HH:6Z@:U"6H)PW<%SV/)#LYY
M2?\`&3A"U+8)DC-I;>0$OS2YH]C.,B6Q^)C<4!%R7%L4S&[*Z'H@<TX(0-"H
M)PBQ6)L<%V*(0B.\I>?1BGT3H+XX,[52S/3CB]MKJVN?61H3L.S^E9Q'KJNQ
M9*">?W?+[N>-_&SE+US0U?L>;CC;,=EOU493Y]F?&AJ<[S5^W33'\4TN\,"Z
MZLSOT\3XAM@]Y-3OF-WK81DZJL/2@F[]VM\Q?*WI8SKQ/X)J[ENA/'[38KLC
M>K?3?;E[]%R;$WO0?^1W_4O_`+?ZXYG\CE_$_$;9/\N?XA^I(G55&$)03'N[
M*?L,U.?&Q$/`\ZKF6Z-7&SYV/N[>N/SZUU4I-M66810*!0*!0*!0:%^\7_=_
MLWI"XY\&<A5T9CS?*QGVKO5?8[5L=7?07*HM;A020.[0^==GGT>CO&1!ZLY;
MI5<3+39"[[:S=E3U]EMC[Q?]W^S>D+CGP9R%7;F/-\K[?M7>J^QVK8ZN^@N5
M1:W"@D@=VA\Z[//H]'>,B#U9RW2JXF6FR%WVUF[*GK[+;'WB_P"[_9O2%QSX
M,Y"KMS'F^5]OVKO5?8[5L=7?07*HM;A020.[0^==GGT>CO&1!ZLY;I5<3+39
M"[[:S=E3U]ENO[=C,^6,$Z)VJ;8:R)+L92XW.$$8S9'"WM:P/`V=?'YPH6MH
MER`TD^Z-4>A)&,OEYHA%!O?\%J[K]4TT8Q.$XLA]I/6#3>K7H\LZ1T!I6_D\
M].D;-'E+5<T5<VJB],TXTX3A,Q$S'L0AV_:5=H!\\34+_B=)OY=53RMSW\L"
MOO=]*'V]TK](N>V?:5=H!\\34+_B=)OY=3RMSW\GWN^E#[>Z5^D7/;;Y^[_Z
ML=3&?]2>9HUFW.N3\J,#-@\U\:6><RYWD+>W/%I[#T%G)(F<%!Q1"RR)8:5T
M@;6%S#!6_!>N^Q75555SJL=QDOLOZ[ZWZT:W:P936+63.9W*V]'<^FF]=JKI
MIJ\M:IYT15,X3A,QCP3*6/5IF\4"@4"@4'__T9_%`H%`H%`H%`H(QNI_MP]/
M,)SWEO&TAP1G99)<09!E.+%;G'\H($$/=Y%A^>/J*-S4$+4*;LASBQR9")R0
MFG)^F&(*<*JYX4J8)%>K,4TS,<V=R6*VL.U3H#5W3^G=7[VJF<N7LCG+V7JK
MIN6XBJ;-RJW-41.[$533C$3NX2LZZ=OCI+>G)P=G+3#J#.6N8;*51J?,X6RX
M9#N:3CV\U0C:7)`:US>T+3@;P.B41*DHL-QEB`:(9@H^4T^]EX_]8.K?V.SW
MQMKVGR![>/2'M!N=U&EW/RQW3N:5W>W15F!();.E[<ZLCXT&9`&6L*+EQ+"Z
MQM`-O)5!$2WID_44X"V\Y0D.?*:?>R?UA:M_8[/?&VO:2S&1S+>V9H>2BAD%
M.[8@<RR3+A$826O2%*@%#$'\40RPF\E[V]2][59C=C%EWEKT9C+V,Q33A%RB
MFK#@YT1.']KEOYZ_;GFCXV,B^&#Q7F5=*KC:9M9N\FL'SZ_UM:T]<7AE!UBZ
M]5N[<J"?>WJ:>^R1^O"RO+G?EI2TG]9:0^'N>/*DZA159`?;U"_?9'/7A'4Q
MOPO:,^LM'_#V_'AU,Y][19I[TY'ZSK*].=Z6Y_2?U;I#X"YXDN5!7EM*109"
MZ1O.NTQ^D+A;QD1JN5/2IXWZK4;OMJ=VKE.OMNH-7IMR)0*!0*!0*!0*!0*!
M0*#43K0[8_2UHQR^[Z?<NP//\@DQ<69GM:XXWC\$5L0FN5(SQIB4KJ\Y6AKZ
M0X%$@%88@)B[E#Y+EF7O;EMU5WJ:)YLQ.+X;K[M`:F^CK6&YJWIO1FD[N>IM
M47)JL6[%5O"Y$S$8W,Q:JQC#=]SAP3+6&[=M!V:$E0*BI=".T`DC^L!=*;-N
MGQS$)8)HZ.(E`8356-\[PIJ5LQ88.W#Z)0C-N-04)0,0E)AAPN'RBWP3_IRO
MQG]77HW_`')ISXG*_P#.+W1WO#G9_P`9>YC(46+=8*IUF[FTN+LJ<X?AY::G
M)8XXU1IJ9VXX><0J"&9&G;!J0DF#-O=<N5GW%<1XZ?*:."?].5']77HW_<FG
M/B<K_P`XW?Z5-2L%U?8$@>HG&K3+&.$Y#WHV*USE"SMLI2[I3.109QVHB8'V
M3-)/3.T9/,(Z)<?SDXRQ"Y@[B+!W4U173%4;S[YJ5K=HW7O5G1FM>B+%^WH[
M->4YE-ZFFFY'DKMRS5SHHKN4QC5;JF,*Y]S,3.$XQ$0WO*7GT8I]$Z"^.#.U
M5,STXXO;8*;7/K(T)V'9_2LXCUU78LE!//[OE]W/&_C9REZYH:OV/-QQMF.R
MWZJ,I\^S/C0U.=YJ_;IIC^*:7>&!==69WZ>)\0VP>\FIWS&[UL(R=56'I03=
M^[6^8OE;TL9UXG\$U=RW0GC]IL5V1O5OIOMR]^BY-B;WH/\`R._ZE_\`;_7'
M,_D<OXGXC;)_ES_$/U)$ZJHPA*"8]W93]AFISXV(AX'G5<RW1JXV?.Q]W;UQ
M^?6NJE)MJRS"*!0*!0*!0*#0OWB_[O\`9O2%QSX,Y"KHS'F^5C/M7>J^QVK8
MZN^@N51:W"@D@=VA\Z[//H]'>,B#U9RW2JXF6FR%WVUF[*GK[+;'WB_[O]F]
M(7'/@SD*NW,>;Y7V_:N]5]CM6QU=]!<JBUN%!)`[M#YUV>?1Z.\9$'JSENE5
MQ,M-D+OMK-V5/7V6V/O%_P!W^S>D+CGP9R%7;F/-\K[?M7>J^QVK8ZN^@N51
M:W"@D@=VA\Z[//H]'>,B#U9RW2JXF6FR%WVUF[*GK[+;'WB_[O\`9O2%QSX,
MY"KMS'F^5]OVKO5?8[5L=7?07*HM;A020.[0^==GGT>CO&1!ZLY;I5<3+39"
M[[:S=E3U]E-+JXV#E`H%`H%!_]*?Q0*!0*"S65,@RN!N$)V-'8^]-$BDS'&%
M8%\@6H9,YNT@?VEK2L\+84+(Z;66-S`<YOB\]0:F2HF]G,&<(":ZE:@#Y)ME
MQ>P9(@6.XU&T\E421Q=F^2N)[Q9J31E7?'60)M#VJWYDLZZZRDZ!*`C"'U&Y
M$&QY]K=81@/)P6#DVK>5PIM?29%`&8<FB;_-VQ[2M"W("QO5D0B*064JKHDP
ML<!DS&TN1TR.0II*\($,6Z!M"Y&K2T[D@)&,&=E$.9+KV\^C6CZ6.HOQP3&O
M-N=.OCEI\])OK(](/;F>_2KK$ZN#\.4'5?@/M%A?O3CGK.CKU(WH;K=&?5NC
M_@+?B0Y?&>OVYYH^-C(OA@\5YM72JXVF[6;O)K!\^O\`6UK3UQ>&4'6+KU6[
MMRH)][>II[[)'Z\+*\N=^6E+2?UEI#X>YX\J3J%%5D!]O4+]]D<]>$=3&_"]
MHSZRT?\`#V_'AU,Y][19I[TY'ZSK*].=Z6Y_2?U;I#X"YXDN5!7EM*109"Z1
MO.NTQ^D+A;QD1JN5/2IXWZK4;OMJ=VKE.OMNH-7IMR)0*!0*!0*!0*!0*!0*
M"!?W@S[QB2_%/BWUK6U1S'G.1K/VI/6OF_F.6\66D2NACH4'0H[#C[K?2_\`
M]Z__`"(RW7H6/-4\O^MM,V<?4SJ;_P`7^G9E'K[REY]&*?1.@OC@SM5?,]..
M+VV+.USZR-"=AV?TK.(]=5V+)03S^[Y?=SQOXV<I>N:&K]CS<<;9CLM^JC*?
M/LSXT-3G>:OVZ:8_BFEWA@775F=^GB?$-L'O)J=\QN];",G55AZ4$W?NUOF+
MY6]+&=>)_!-7<MT)X_:;%=D;U;Z;[<O?HN38F]Z#_P`CO^I?_;_7',_D<OXG
MXC;)_ES_`!#]21.JJ,(2@F/=V4_89J<^-B(>!YU7,MT:N-GSL?=V]<?GUKJI
M2;:LLPB@4"@^9:E"N1JT0CE*<*Q,>E$H1*#$BP@*@H95SDBHFX34RDJP^<68
M&]A`':U[>K:@PX,Q3C`J:$X^'GS4O:5'\THI);-N5Q-UW$;2LD`(^.1!-%&R
MI89&T!SH%G$KLZ":R[K;)^J_E:)Q]AX-X9B$(9(:+..KD*.*N*EE<W0>0-0(
M616_))0"$F1V-/@FNS/,Y(=,#+-9#<SGKEJE?^0**&9:X:')"O(Y@.%RUD02
M&/YOU+.#2Y%#,3'\=\E)#@&$G&)5B)<@6KDS@UNK:M(,3JT:HHE4C5%&$'EE
MFEC`$8^PTS=OIA=M@.AII?4F0,QR<T>=X`@V;/,I2N9,@0*([.S+J0-#TM4(
MPKBKD6L6=8//`$0K6OR"O71F/-\K&?:OG_Q?E^U;'5WT+^J+6V4$@/N\./TF
M1-3>;&Q9*)[%0(L$&KPK,?3-[A+FH';($-3]66KV-0G4*T/(=<?0CO<'2!"+
MDY0VJSENE5Q,M=D'OMK-V5/7V6SWM],+ML!T--+ZDR!F.3FCSO`$&S9YE*5S
M)D"!1'9V9=2!H>EJA&%<5<BUBSK!YX`B%:U^05Z[<QYOE?;]J^?_`!?E^U;'
M5WT+^J+6V4$@/N\./TF1-3>;&Q9*)[%0(L$&KPK,?3-[A+FH';($-3]66KV-
M0G4*T/(=<?0CO<'2!"+DY0VJSENE5Q,M=D'OMK-V5/7V6SWM],+ML!T--+ZD
MR!F.3FCSO`$&S9YE*5S)D"!1'9V9=2!H>EJA&%<5<BUBSK!YX`B%:U^05Z[<
MQYOE?;]J^?\`Q?E^U;'5WT+^J+6V4$@/N\./TF1-3>;&Q9*)[%0(L$&KPK,?
M3-[A+FH';($-3]66KV-0G4*T/(=<?0CO<'2!"+DY0VJSENE5Q,M=D'OMK-V5
M/7V6SWM],+ML!T--+ZDR!F.3FCSO`$&S9YE*5S)D"!1'9V9=2!H>EJA&%<5<
MBUBSK!YX`B%:U^05Z[<QYOE?;]J^?_%^7[5L=7?0OZHM;902`^[PX_29$U-Y
ML;%DHGL5`BP0:O"LQ],WN$N:@=L@0U/U9:O8U"=0K0\AUQ]".]P=($(N3E#:
MK.6Z57$RUV0>^VLW94]?92*M<<RQ1H0PNES;D2<:Q9@P*YLQP8#3"\^2D3P%
MP?F][<$RL5GR3M*+J9)3&8$?(;S^<,/(&]N7DLUUQ13SI9D^D?TA:,]&NKU&
ML6E<C?OY6K,46>;:YG.YU=-=43[NJF,(YDX[N.[&XU"_;@:-OZ([1S_'@CY3
M*Z?E-/O9?"?ZOM2?LQI3\%C\\?;@:-OZ([1S_'@CY3*?*:?>R?U?:D_9C2GX
M+'YYLV[,3M&<%:N\CY)QKBAHU-D.K)"4,Y<U^?9XEF[>4WMCZF8`I(Y>TKD*
MEL6*U,F"-1S0%@/`0#G"O<L%J[+=V+DS$1+Z3Z,_3CJ_Z4=+9_1&B-$9S+W\
MOE_+557O)\V:>?31A',KJG'&J)W8B,,=UNBKM?:B@__3G\4"@4"@BRZO>W+A
MF*-5DW@;WHX?IA*--\[G6.(U.V?5I-L<A<DB9^;RWA4HBL9QH8VW22$^-(QJ
M$:PYQ+$62$H8S"^=85:K,<VJ:>9O>S_<Q%UNVJ?\*ZT:?U;_`,">7^0YJY9\
MI\MYG/\`)U33SN9\DKYN.&.'.JPX98UN/;^X9D!\><ICV;D9GDDC?/&BF,XU
M`-\EEZD\UG>&(\YSD#AIV,7+P&MK^L+"G'?J:>QMK$$E6*)L7Q^4_P"Q_;_<
M_.?UDS_ES_W#_HG^"[?_`!08V[+4Z`7M>68:MNN7N>M3(+I('M$YH&IK=&"2
MRAQQ0JDLIB+JW,2$E6S.*M4TJBT1`34X[$E\U\I_V/[?[C^LG_US_P!P_P"B
M2[,1SSBIBC&.3]E;"XCX\A<\V'U[:FQM[XVVR'96TNIMVT=G;1Z'I^KD=-S.
M?T8.7FVM1.,1+,C06D_VUH30^F/(>2^5Y6U>YF/.YGE;=-?-YV%/.YO.PQYL
M8X8X1O.;1KV\^C6CZ6.HOQP3&O.N=.OCEJ1])OK(](/;F>_2KK$ZN#\.4'5?
M@/M%A?O3CGK.CKU(WH;K=&?5NC_@+?B0Y?&>OVYYH^-C(OA@\5YM72JXVF[6
M;O)K!\^O];6M/7%X90=8NO5;NW*@GWMZFGOLD?KPLKRYWY:4M)_66D/A[GCR
MI.H4560'V]0OWV1SUX1U,;\+VC/K+1_P]OQX=3.?>T6:>].1^LZRO3G>EN?T
MG]6Z0^`N>)+E05Y;2D4&0ND;SKM,?I"X6\9$:KE3TJ>-^JU&[[:G=JY3K[;J
M#5Z;<B4"@4"@4"@4"@I#(3RBCL!G$@<I>WX];F*(25Y7SYV`@-:X.B:V5:M5
M2]R*=1`:S&^-$$"6G!4BLGN61>QE[`Y:##%GGD[G4$Q<OAF>):H=,E9=M'X0
MK;6W";TZ+\<MZDJ5RISRIT&+U#.PR%#CB+O!Z9.C0LXVU<Z-C2X%FN%AJ#2<
M-_<7YQ(KEKKD3,BE5D263+'\<=F."QQ')&F`)49,R:$Z]\R$Y1QVAT'BZMV8
MT(I(VQ\052E8-([L+B2.]C0CO09"40@7]X,^\8DOQ3XM]:UM4<QYSD:S]J3U
MKYOYCEO%EI$KH8Z%!T*.PX^ZWTO_`/>O_P`B,MUZ%CS5/+_K;3-G'U,ZF_\`
M%_IV91Z^\I>?1BGT3H+XX,[57S/3CB]MBSM<^LC0G8=G]*SB/75=BR4$\_N^
M7W<\;^-G*7KFAJ_8\W'&V8[+?JHRGS[,^-#4YWFK]NFF/XII=X8%UU9G?IXG
MQ#;![R:G?,;O6PC)U58>E!-W[M;YB^5O2QG7B?P35W+=">/VFQ79&]6^F^W+
MWZ+DV)O>@_\`([_J7_V_UQS/Y'+^)^(VR?Y<_P`0_4D3JJC"$H)CW=E/V&:G
M/C8B'@>=5S+=&KC9\['W=O7'Y]:ZJ4FVK+,(H%`H%!CXX8BDXLEGS1JDS"4R
M7FYN54S.X,#@H=`SRV$%F#"$)[JF?4R0<1&R&)UXP!2!6!5$F`L:(LX-R"5!
MNNFAW-E$@D4??(+'+J7X4K;PM\)<RE\E?N-D`S<D'DEQ!+;#?PLKM"U;<B-)
M`5=.F?5)A19=PB*4#%D+C>(JH1$R&1P<4[LZJ7N7RE[7HD1C<WG/\ZE[[-WX
M+4@/5N"E$SIWB0GEHRCE"@X"8`+&&F#L(8B&E'O%_P!W^S>D+CGP9R%71F/-
M\K&?:N]5]CM6QU=]!<JBUN%!)`[M#YUV>?1Z.\9$'JSENE5Q,M-D+OMK-V5/
M7V6V/O%_W?[-Z0N.?!G(5=N8\WROM^U=ZK[':MCJ[Z"Y5%K<*"2!W:'SKL\^
MCT=XR(/5G+=*KB9:;(7?;6;LJ>OLML?>+_N_V;TA<<^#.0J[<QYOE?;]J[U7
MV.U;'5WT%RJ+6X4$D#NT/G79Y]'H[QD0>K.6Z57$RTV0N^VLW94]?9;8^\7_
M`'?[-Z0N.?!G(5=N8\WROM^U=ZK[':MCJ[Z"Y5%K<*"2!W:'SKL\^CT=XR(/
M5G+=*KB9:;(7?;6;LJ>OLML?>+_N_P!F](7'/@SD*NW,>;Y7V_:N]5]CM6QU
M=]!<JBUN%!)`[M#YUV>?1Z.\9$'JSENE5Q,M-D+OMK-V5/7V4TNKC8.4'__4
MG\4"@4"@YJ/:5?>`:Q/2%R=X3+J\Z[YROC:BO2[ZT-?>U<QUDL(JZWSDH.H-
MI&\U'3'Z/6%O%O&J].GHT\3<EJ-W)U.[*RG46W.JU[>?1K1]+'47XX)C7GW.
MG7QRU2^DWUD>D'MS/?I5UB=7!^'*#JOP'VBPOWIQSUG1UZD;T-UNC/JW1_P%
MOQ(<OC/7[<\T?&QD7PP>*\VKI5<;3=K-WDU@^?7^MK6GKB\,H.L77JMW;E03
M[V]33WV2/UX65Y<[\M*6D_K+2'P]SQY4G4**K(#[>H7[[(YZ\(ZF-^%[1GUE
MH_X>WX\.IG/O:+-/>G(_6=97ISO2W/Z3^K=(?`7/$ERH*\MI2*#(72-YUVF/
MTA<+>,B-5RIZ5/&_5:C=]M3NU<IU]MU!J]-N1*!0*!0*!0*!01`NU'[6_7)I
MBUV9SP=A[)4>8,<PCAENZT+L<05^5)-Y<.X^E[OTKL\L2QR5].^OZHT/2&"Z
M,([`#R!"&UJEV]73753$[C!#TS>G/TCZG>DG635S0.E[5K1.6^3^3IFQ9KF/
M*96Q=JQJKHFJ<:ZZIW9W,<(W(A@!]O5VF']\43_PAQC_`%9KK\O<X7S#^IGT
MO_OZQ]%R_P";/MZNTP_OBB?^$.,?ZLT\O<X3^IGTO_OZQ]%R_P";3/-`>7)S
MGG1MI[S#DMR3O$\G\`2/TG<TC:@:$RUS-7KR!G$MC80E0(P7+(#;F%%A#;D_
M!5RB9JHIF=_!L"]&&G=):S:@:K:>TO>BYI/-96*[E44Q3$U3-48Q33$4QO;T
M1$(=_>#/O&)+\4^+?6M;53,><Y&!>U)ZU\W\QRWBRTB5T,="@Z%'8<?=;Z7_
M`/O7_P"1&6Z]"QYJGE_UMIFSCZF=3?\`B_T[,H]?>4O/HQ3Z)T%\<&=JKYGI
MQQ>VQ9VN?61H3L.S^E9Q'KJNQ9*">?W?+[N>-_&SE+US0U?L>;CC;,=EOU49
M3Y]F?&AJ<[S5^W33'\4TN\,"ZZLSOT\3XAM@]Y-3OF-WK81DZJL/2@F[]VM\
MQ?*WI8SKQ/X)J[ENA/'[38KLC>K?3?;E[]%R;$WO0?\`D=_U+_[?ZXYG\CE_
M$_$;9/\`+G^(?J2)U51A"4$Q[NRG[#-3GQL1#P/.JYENC5QL^=C[NWKC\^M=
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M[+;'WB_[O]F](7'/@SD*NW,>;Y7V_:N]5]CM6QU=]!<JBUN%!)`[M#YUV>?1
MZ.\9$'JSENE5Q,M-D+OMK-V5/7V4TNKC8.4'_]6?Q0*!0*#FH]I5]X!K$](7
M)WA,NKSKOG*^-J*]+OK0U][5S'62PBKK?.2@Z@VD;S4=,?H]86\6\:KTZ>C3
MQ-R6HW<G4[LK*=1;<ZK7MY]&M'TL=1?C@F->?<Z=?'+5+Z3?61Z0>W,]^E76
M)U<'X<H.J_`?:+"_>G'/6='7J1O0W6Z,^K='_`6_$AR^,]?MSS1\;&1?#!XK
MS:NE5QM-VLW>36#Y]?ZVM:>N+PR@ZQ=>JW=N5!/O;U-/?9(_7A97ESORTI:3
M^LM(?#W/'E2=0HJL@/MZA?OLCGKPCJ8WX7M&?66C_A[?CPZF<^]HLT]Z<C]9
MUE>G.]+<_I/ZMTA\!<\27*@KRVE(H,A=(WG7:8_2%PMXR(U7*GI4\;]5J-WV
MU.[5RG7VW4&KTVY$H%`H%`H%`H%!SU^W'^](U0?]E/\`QWQ)7GW_`#M7)_J:
ML]H[US:Y?\)^@Y9J<KJ?$"@Z0'90?=SZ1_BG;_71UKT;7FZ.)MH]"7JHU&^8
MT^-4B==X,^\8DOQ3XM]:UM5<QYSD81;4GK7S?S'+>++2)70QT*#H4=AQ]UOI
M?_[U_P#D1ENO0L>:IY?];:9LX^IG4W_B_P!.S*/7WE+SZ,4^B=!?'!G:J^9Z
M<<7ML6=KGUD:$[#L_I6<1ZZKL62@GG]WR^[GC?QLY2]<T-7['FXXVS'9;]5&
M4^?9GQH:G.\U?MTTQ_%-+O#`NNK,[]/$^(;8/>34[YC=ZV$9.JK#TH)N_=K?
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M]M9NRIZ^RVQ]XO\`N_V;TA<<^#.0J[<QYOE?;]J[U7V.U;'5WT%RJ+6X4$D#
MNT/G79Y]'H[QD0>K.6Z57$RTV0N^VLW94]?9;8^\7_=_LWI"XY\&<A5VYCS?
M*^W[5WJOL=JV.KOH+E46MPH)('=H?.NSSZ/1WC(@]6<MTJN)EILA=]M9NRIZ
M^RVQ]XO^[_9O2%QSX,Y"KMS'F^5]OVKO5?8[5L=7?07*HM;A020.[0^==GGT
M>CO&1!ZLY;I5<3+39"[[:S=E3U]E-+JXV#E!_]:9JI[031,C4'I%6I[#Q"E*
M<:G4$&2]`$PD\@8BCBC`W%RA&68&]KV_X7M1.$OQ^T-T/_.CPW\,$'[JAA)]
MH;H?^='AOX8(/W5#"3[0W0_\Z/#?PP0?NJ&$H!NOQP3S_6QJFFT)"LE,1E.<
M,A/D<D;&W.#@SO;.X2!8H0N3:N3I1D*T:L@=AEF`O<(@WY;50N45S75,4SAB
MUB>D_P!&'I$TIZ0]=-(Z.U+TE>R-[2-^NW<HL5U45TU5S,54S$83$QNQ,,1-
M@R#W/2#]1.W\CKAY.OWDOPGW0^E'[`Z5^CW/:-@R#W/2#]1.W\CIY.OWDGW0
M^E'[`Z5^CW/:=#S3'KQT;QC39I[C4AU(XG97^/8/Q.QOC.XRE&E<&EX:8$P(
M'-M7IC>:8G6(5J<91I8K6$`8+VOZMJ]"GHT\3:GJ?E<QD]4=5LIFK-5O-6M'
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MF@%>UP&%&`N$5K^K:]J]&-Z&VK1]NNWH_(VZZ9BNFS1$Q._$Q3$3$\3GA9G1
MN#UF'+#PTM3PXM3MDN=N;8X(V=T/2+F]?*'54C6)3@)+@.3JDQH1@%:][""*
MU[5Y]5NOG5>XG?:K=8/1/Z3,QI_3>8L:BZ4KLUYR]535&7N3%5-5RJ8F)PW8
MF)QB5M=@R#W/2#]1.W\CJ/)U^\EX_P!T/I1^P.E?H]SVC8,@]ST@_43M_(Z>
M3K]Y)]T/I1^P.E?H]SVG2M^T-T/_`#H\-_#!!^ZKTFW;"7-WFC4\+9C+%B1D
M?%*57)7U2F4$LCJ,H].>Z*C23BAA27",LTL=A!O;U+VO7G3;KQGW$M2ND/1)
MZ3KF?SURWJ'I2:*KU<Q,9>YA,35,Q,;GA4UL&0>YZ0?J)V_D=1Y.OWDJ?W0^
ME'[`Z5^CW/:5+"VIX13&)K%;(^)DJ22L2E2H.9'4!1"<AT2FG'&C$DL$!918
M+B%>_J6M:IBW7C'N)7-'^B3TG6\_D;ES4/2D44WJ)F9R]S"(BJ)F9W/`Z,4T
M[0/1.MATL1I-3N'U"I7&GU,F3DRY",T]0>UJBB22@!O>XS#3!V"&UO5O>]>A
M.]+:]I"W7<T?GK=%,S759KB(C?F9IF(B.-S>-@R#W/2#]1.W\CKSO)U^\EJ5
M^Z'TH_8'2OT>Y[1L&0>YZ0?J)V_D=/)U^\D^Z'TH_8'2OT>Y[2^&F,*B,:D]
M/<ED*!T96"/9PQ.^/CPXM+DE;VEG:9ZP+W-R7J34@2DR-"B3C--,%>P0`!>]
M_4M7*FW7SJ?<SOOT>I_HJ]).3UNU6S>:U'TG;RMK2.6KKJJL7(IIIIO45555
M3,;D1$3,SX(AU`$R@A8G(5I30'IE1)2A.>7?G%G$'@":2:6*WJ"`86*U[7_X
MVO7H-J3]J!0*!064RSJ4TYX#4,B3.N?L*865R8E<ICB7+.5(+CE1($[8-,4Y
M'LA$P?F8QU);S%I(3Q$6,"4(X%AWM<0>4G"9WH6A^T7[/CY]NC;Z3V$OZ\4,
M)X)/M%^SX^?;HV^D]A+^O%#">"3[1?L^/GVZ-OI/82_KQ0PG@E!;[8[+^)LG
M]H_J,G.-<H8[R'"7SA%L680:;1J6Q9WV;@C&#.X[+D#`YN#2X;/=F\]*?T1P
M^B4$&%BY!@$&U&]35-RJ8IG#^YK<]/FHFO&F?2SK9I+1&INE<UHZY\EYEVSE
M,Q=MU<W)Y>FKFUT6ZJ:N;5353.$SA5$Q.[$M9.\+!_3C/^LT7\?77S*_>3^!
M\?\`NQ])7^7NG/H&:_-&\+!_3C/^LT7\?3F5^\G\!]V/I*_R]TY]`S7YI/P[
M,S73HC@6@K2]#ISK&TKPN71_&2%`_1:6:A,21V1LBX#DYF#1.[&\2Y&YMJL(
M#`BN6<4`=K"M?D]6KUO<HIB=_!LZ]#^C\_HST9ZFY#262O9?/6LG%-=N[15;
MN45<ZK<JHJB*J9]B8B49+MR\W87RWKUD,QQ3EW&&38B=C+&Z`F4X]GT4F<<-
M7(6U86M1%/D<=G)L,5HQBL$TNQMQEWO:PK6JM?IJFO&*9F,&'VT?J3KGISTF
M9K/Z$U1TIG,C.3L4Q<L96_=MS5%,XQS[=NJG&/#&.,>%I\WA8/Z<9_UFB_CZ
MZN97[R?P/@WW8^DK_+W3GT#-?FC>%@_IQG_6:+^/IS*_>3^`^['TE?Y>Z<^@
M9K\TG1]CCK:T98P[.#3G!LE:N=,6/)LQ\7=M0^<Y[Q5$I2T;2SOD]X;MJ1]_
ME;>[-^T&EP(5$=*2#I4YY9@>4`PBO=L[ENF)W_[VR+T!Z*TGH;T3:IZ-TOHZ
M_E=(V_E7/M7K==JY3SLYF*J>=17%-5/.IJIJC&(QIF)C<F&BWO!&?L$YGUEX
MSE&'LU8DRO&4&F2&,"Z18UR/#ITQ(GU+E3,[BI95;O%WET;T[LG;W1*>8F&9
M8X!*DH=PV"8"]^C,4U55Q,4S,8>VQNVHM3M;M8-?]#YW0.JNDL]DZ=#VJ)N9
M?+7KU$5QF<W5-$U6Z*J8JBFJF9IF<8BJF<,)AHNWA8/Z<9_UFB_CZZ>97[R?
MP,;ONQ])7^7NG/H&:_-&\+!_3C/^LT7\?3F5^\G\!]V/I*_R]TY]`S7YI-5[
M#365I`Q)H*C\/RMJLTVXREQ.3LD+SHMD+.>,(7(RD"YQ1C1+36222AM<RTBP
M`;W*,N58!EK7N&]ZN6(F+<1,82V%;.&AM,:#]&>5R&F]$YG)YZ,Y?JFW?M5V
MKD4S5&$\RY335A/@G#"?`UD]X=U&Z>LUYFT[NF&L[X9RVV,F,90@>7'&64(1
M/4#0O42HM0G1.:N*OCJG0*ST]ND`6:(`Q`_&M:]O5KKS%,U33A$R^/;5.J6M
M6L.L&JE[5_5G2&>LV\G<IKJR^7O7J::IN8Q%4VZ*HIF8W8B<)P1X-X6#^G&?
M]9HOX^J_,K]Y/X&*WW8^DK_+W3GT#-?FC>%@_IQG_6:+^/IS*_>3^`^['TE?
MY>Z<^@9K\TF$=WWU=Z3\,:-,F1?,.I_3QBB3+]3<S?T,=R5FK&T%?5K$JQ7A
MAN3/21HE$E:W!0TJ'!K5$%J0%W)&<F-!85Q%CM:WEXFFB8F,)Q]IGELNZ!TY
MJ_J!IC):>T+F\CG*M,7:XMYBS<LUS1.6RE,5Q3<IIJFF:J:HBJ(PF::HQQB6
M,G>,]3FFS-_D<\%M0N#LO[L>4)O+PORS`I_N]MK@?L;;FZ;^[;)VMLE5U;K'
M1]/U8WF<[HQ\G',1-7,YL8[_`.)^.VL-5]9=8_\``/\`A[5W/9_R/R[RGR?+
MW;_,Y_R/F<_R5%7-YW-JYO.PYW-JPQPE&2WA8/Z<9_UFB_CZK<ROWD_@8??=
MCZ2O\O=.?0,U^:-X6#^G&?\`6:+^/IS*_>3^`^['TE?Y>Z<^@9K\TE==WBU6
M:7<*8:U$M>9=2.`\2.;WDV++V5NR;F''D"7.Z%/%34ZA:UI)5(FI0O2$*+]&
M,PH(P!'^+>]K^I5K+Q---6,8;K-G96U<UAU>U?UKLZP:!SN1O7,Y;JHIS%B[
M9JJIBWA,TQ<IIFJ(G<F8QC%)?QKK`TE9GE!4(P]JCTZY8FAZ)8XD1#&N;<:3
MJ4'-[>`)B]>4P1>3.KJ8B0ECL(XVQ5P%6O:XKVM>K#*K"8\#(JB"@4'\&&%D
MEF''&`***`(PTTP00%EE@#<0S#!BO8(``#:][WO>UK6M04?Q&Q[[O(9\*&3^
M743A/`<1L>^[R&?"AD_EU#">`XC8]]WD,^%#)_+J&$\#1/WAZ8Q%YT#LZ1HE
M,<=5=M0..SKIFU\;%RBQ((UD`(S;DI51IEBP"':UQ<G):][?\ZZ,QYOE8U[5
M-B_?]&5BBQ9KKK_:EB<*8F9P\G?\$(//6$_[^3_"@_=52PG@:Y?V7I+]W7_B
MZ_:.L)_W\G^%!^ZIA/`?LO27[NO_`!=?M)%W=M)"P,FJC.JAY?&=H(-T_&DE
M'N;FB0$F'<1H0/HBS%1Y0!F<P%[\VU[WY+7O5C+=*KB97[)&3S>7UTUEJS&5
MN44SHO")JIJIC'R]GAB&UCO#TQB+SH'9TC1*8XZJ[:@<=G73-KXV+E%B01K(
M`1FW)2JC3+%@$.UKBY.2U[V_YUVYCS?*^U[5-B_?]&5BBQ9KKK_:EB<*8F9P
M\G?\$(//6$_[^3_"@_=52PG@:Y?V7I+]W7_BZ_:.L)_W\G^%!^ZIA/`?LO27
M[NO_`!=?M)%W=M)"P,FJC.JAY?&=H(-T_&DE'N;FB0$F'<1H0/HBS%1Y0!F<
MP%[\VU[WY+7O5C+=*KB97[)&3S>7UTUEJS&5N44SHO")JIJIC'R]GAB&UCO#
MTQB+SH'9TC1*8XZJ[:@<=G73-KXV+E%B01K(`1FW)2JC3+%@$.UKBY.2U[V_
MYUVYCS?*^U[5-B_?]&5BBQ9KKK_:EB<*8F9P\G?\$(//6$_[^3_"@_=52PG@
M:Y?V7I+]W7_BZ_:.L)_W\G^%!^ZIA/`?LO27[NO_`!=?M)%W=M)"P,FJC.JA
MY?&=H(-T_&DE'N;FB0$F'<1H0/HBS%1Y0!F<P%[\VU[WY+7O5C+=*KB97[)&
M3S>7UTUEJS&5N44SHO")JIJIC'R]GAB&UCO#TQB+SH'9TC1*8XZJ[:@<=G73
M-KXV+E%B01K(`1FW)2JC3+%@$.UKBY.2U[V_YUVYCS?*^U[5-B_?]&5BBQ9K
MKK_:EB<*8F9P\G?\$(//6$_[^3_"@_=52PG@:Y?V7I+]W7_BZ_:.L)_W\G^%
M!^ZIA/`?LO27[NO_`!=?M)%W=M)"P,FJC.JAY?&=H(-T_&DE'N;FB0$F'<1H
M0/HBS%1Y0!F<P%[\VU[WY+7O5C+=*KB97[)&3S>7UTUEJS&5N44SHO")JIJI
MC'R]GAB&UCO#TQB+SH'9TC1*8XZJ[:@<=G73-KXV+E%B01K(`1FW)2JC3+%@
M$.UKBY.2U[V_YUVYCS?*^U[5-B_?]&5BBQ9KKK_:EB<*8F9P\G?\$(//6$_[
M^3_"@_=52PG@:Y?V7I+]W7_BZ_:.L)_W\G^%!^ZIA/`?LO27[NO_`!=?M)(?
M=GC2QZKL]6`8`=[:>C;WL`81<G]I$'_#R7O5C+=*KB97;)&4S66UUUDJS&6N
M6Z9T7.'.IFG'_P">SO8Q":=5QG^4'__7G\4"@4"@P%U$ZG<VX=U9:3\.1G&$
M(E6)L_I,T('%],D[J'*2Z>8TPEE/+;?$XI'1(6Z*,K<?>"-Q!CHX.*OK8W<9
M04J6R2ZDXF(C"9Q:M2.V9U*V0K88\:>6&/YF3O&,U#HPKL:Y_L^Q!!D/`V9\
MONT"#@AS;&'+63Y=B^2X471U^?F,TIC)+46=NA+1$&VJ,7+FQP[C)O$7:=Y@
MGFI+3ACB68);XIBO4BC@[?#Y$UI)W*2G1PE6E(6HQ;/HAF=M:^",U@S3+&US
MAXFI(IL]V&W'NAMRRRAH[,433&$[NZW4U+BUY:B]5&>,-:JL%X>C&(X7-<;9
MAQKJ"D#.H32=X%EF59$PMC!RR`GAK&QB;F^*1IJ=U6S4)*Y4M<3EARPZUTZ,
M"8!JHF(C"6O%%VMNJQ=`)T(.F<I-.\:22"7R5)3\-ZE-TL8L4]TU2#-R"+S+
M$XF`G,Q4D39*CHL?7?K%DQ^ZY8F=#;)R#`)#(Q<N;'"R*P=VL<?U"ZH-,>%H
M.TP)HB>7\&%SK(1[[,TY\_CF77S$$$S0U8HB["4H;C5B>)Q6:$%NKFH2"*7.
M)IJ)($M0UN0"V*)IPB6Y&I<6O+47JHSQAK55@O#T8Q'"YKC;,.-=04@9U":3
MO`LLRK(F%L8.60$\-8V,3<WQ2--3NJV:A)7*EKB<L.6'6NG1@3`-5$Q$82UX
MHNUMU6+H!.A!TSE)IWC2202^2I*?AO4INEC%BGNFJ09N01>98G$P$YF*DB;)
M4=%CZ[]8LF/W7+$SH;9.08!(9&+ES8X5\L0]J#EO(VH_33!9)IY<,?X@U1-.
M/1P!R=HWD=1(%09[I*!J;+G3=DJS*GP^^QQI?DJ^(*6(DX#^0>WJ'$[HBR3$
M=F*)IC"=W=;J:EQ:O=1^MK,F`=2*/'Z7'N-<B8Z#"Y?D1WB40?Y.XYT8\28_
MQ-)YS-,ZS(P#>&%8\AR'(#,CA[0T+2E2N2KEX3D:T)A9J($.41C&+$6+]JMJ
M9D\DB&$2L18929UR>PXCR?"GX:Z>G8D9L;Y3TI9?U2G1Z2E!.+D+G/8NGPVM
MC]STRI*D7C6DN5DY`"QHA,4\V-_P+H:;.UY8=4&H?2QB:%LL`8XSF+!QTPR8
M:]3-.HF\>S2KQ9"\L)\6PID+5(#71FC4?E)=ECPH2B*<U)XDJ0):AL<@%L43
M3A$MUE2XM7NH_6UF3`.I%'C]+CW&N1,=!A<OR([Q*(/\G<<Z,>),?XFD\YFF
M=9D8!O#"L>0Y#D!F1P]H:%I2I7)5R\)R-:$PLU$"'*(QC%B+%^U6U,R>21#"
M)6(L,I,ZY/8<1Y/A3\-=/3L2,V-\IZ4LOZI3H])2@G%R%SGL73X;6Q^YZ94E
M2+QK27*R<@!8T0F*>;&_X%<:?^U6R[F#.VEZ+2C3JOQUB;5(UP<B$KW.-Y(4
MO*M5+=*INHI1/V#)NQRL022%M\H:W*)[&).`_ALA-=#NB++,1V8HFF(B=W=;
MQ*EQ*!0*!0*!0*!08-]H7J-S!I2TY/6;L0PC'TU/B<AB)4Q!D.0/S2A:(I(9
M0SQ8U:QM,=;3UDID)SJ^I2BDIJUJ3$D#-4C4&")`D4DQNSNL$-0/:L9PT]YD
MS?!Y9IY:D$?BL8U-N>)2IB5/<>ADY&G_`!K!\A1K(+CF"0-`\122%Y@%('-`
MB;F8W:30L;2259UU"H1*>,4Q$3X5L)OVOFIB$8@D>1S=.S.ZD8GEN<V_*K^+
M'6=&A"!)B>)XBFT5A;_CXI"_3W3=-,ILF1G0Q"Y3F]F<A!';N-@GD+BRD[%/
M-CA2%&MP*=FQN=""E!)+DA2.!)*LKH%112Q.6H+*4D7N+H5!8#+6&#EOS16O
M:I<&(^OG/&6M,>E++N>,-PR!S>3XNBSQ-')NR-('MBCB&+QIG<7Q[<;$1UK7
MNLB=AEMX$:-N`>VEFGJPFFK"2B1V&3$8S@P:R5VEFHG&^HQ/BH>EQUDL<E3.
M^MN)&ILC.1TDGR_+&S22_P"I!H?(7D<YK58>7,,CFT960@#"!48_HU!)KB>*
MQ9!B2HQ3S8PWV-\W[<&:8VT]YO62S'6/T&JG'DA2M\*A4N;\D8;ALF94V"H'
MGN=.;Q$LL`8,F-KCCMOF0(T%``0E$C?%K.<BL2C=.>F8IYN,^PD6M;HVO;:W
M/3*XH7=G=T*1T:79K5IU[:YMJ].6K0N+<N2&&I5J%:E-`82<6,19A8K"#>]K
MVO4N"P>K3)N3<,Z<LO97Q#%(;,IOCJ#R&:HV:?R%WC<5V7%FM4^R!<X+&%G>
MG=<<@9&\\Q*@)`GNX*K%IQJD99@U1),;^ZUEN7:>Z@([D/3,WO.F\:R`YYC.
MEQ.TK6F-9&"9D.::BL1S"<O*S'63#$JK$T;:<6S5B;F14QOBP3TN+=+J[&)R
M"0#4PG"-W=6/;>UYU;N$5G*-3I9"S3W'@<82;)#NNPWJ6-CN&F3)N%<NY%2X
M[GV-@QU/E1TES/D[$PX$;*40"8H)R="5PK$D`"2H8IYL<+>I@/*96<\%86S8
M0RJ(V3F+$N.<IDQU6?UI4P%9!AS-+2V52JNG274J&L#O8@9G1%<\1=[\P/+R
M6EQG<F84WJ<R3+<189E&0X@X8G8#XT-J6R&8YND;G',;0.&6<DP9=-WZ[.3M
M.0#C;&(X]*SDJ6XQU56+366)[CY]A&ZU._:J:AT33`I#)=.\8B**.8_TP9&S
M]')`?,V^:N$<U7ZKG[33C=;BAD6ID9S`KV`S)Y@>WOP%*HL#F!G-N2J3'*KQ
MBGFQPJ89^VCDC5#S)1DS'^,(VIS9@IDS+I(:SI8Z1A&M>)?EO(.+(WC+-$CE
M(RFMO<&]KAP)8[NR*R,I,RIW0DI&<>B*&K8IYK<#I)S4=J.TMZ=L]K+1XMVS
M!A;&N0Y$ABBH:R/LTKE,1:766QUM--6."DLJ-250K0")/.,4IS$PBCK]*`=2
MXS&$S"J<\S"8P#$$[F<!#CBTHCC.%S2+<NRM3"<:,B`E<DL_R:9R1(C6J$;)
M%8\)4Y&%!L3=9=+9-UA+8VZDH1OM+9O:V:@T4;;I2LP3!K,,,QU&\XSIU5AG
MT?4YEP?/]7*S3+C.:X3C+N"SS`E4YC+4JF:5)(A.AMD)B)+R"`M`N+C%RYL<
M+UUG:KZCEAKDLA>G-AF3/D5KSP]8-11AOR)+)I$([ISUBQ#2CD>79EAT:2K9
M!*&M$U2-3,+HXRE+7D)4`F^X3!#$N*8G-CA;+]#6I-VU8:=(]E^0QHJ*2,<Q
MRM`)"V)6Z0L[:H>,490EV-5;TU,\N3(Y4R(9!>+V6[.<B[+VHT\:(\1AJ<9@
MY<9C"67=$%`H%!\RU$C<D:MN<4B9>WKTQZ)>@6D%*D:U&J*&0J2*TIX#"%*9
M208(!A8PB`,`KVO:]KT&./D7:.OFG::/\"<6_P!5:)QGA/(NT=?-.TT?X$XM
M_JK0QGA/(NT=?-.TT?X$XM_JK0QGA?F?HRT=DDG'6TDZ;3[E%&&6)(P/BL1Q
MUP`N*Q1(1Q@`!&F<G(&UQ6M>]_5O:AC/"U,%9TTH%/\`(<9O?9783CV<"\H8
M'Q+#<<+HMIZ<&I?-=03'D&81J(Y"G\>A3RQXZG4-@F-'![DK224^;/0'HA)C
MUUU9=K0G#V5'1363V=TXM!WN,=G1AY1!'1PP3",E25PQ=@E"XXPS#J+73QBQ
MWCO=TF*+KS)*DD\$$C>'9&K*)1@<T1Y!*P`E-DQ.$\++/06=HFUPXO/R4WZ,
M=&$2,+;X.ZFQ"-1[%^29-'4D[B2*7M:.>HS,-P8<4?`(UUB^A+"O2G&%'=$I
M'T0N0B<8\+.4_1EH[))..MI)TVGW**,,L21@?%8CCK@!<5BB0CC``"-,Y.0-
MKBM:][^K>U2C&>%J8*SII0*?Y#C-[[*["<>S@7E#`^)8;CA=%M/3@U+YKJ"8
M\@S"-1'(4_CT*>6/'4ZAL$QHX/<E:22GS9Z`]$),>NNK+M:$X>RHZ*:T.S;E
MUH/)$79\X;08L6.&"8AF"=NF*,&E+<.9.U"KIXS0J&&11)%%I\Y1,[[`C2'E
MS0*RBTI;BC.3E*P"463#">%E+H3?M"FN=AF4EB^B+2O$VR.H<>R!K2EQ33]-
MY"HC63F1RD,8%,HVP18EVQ_)RFQOMUQ$H`J0A4B-3I5ZLY&N`F$Q,>%GOY%V
MCKYIVFC_``)Q;_56I1C/"U'K<\:4&J>.N&WSLJL,,>;%\UPM!L?P%;%=/"U"
MID&=SLG+8;&,O3"/0U]9\03Q'!\2NLG<&<L,@$6Q#3')SU)A]BK0G"=_'<>+
MCS5KV>^5'7&=X9V=.&3XA+)#I\QI/Y.[XQP4VJ\7YJU-.\WB^-,>',!$2<1R
M]"DED)NC>G=$I`2B*<T9Z<E8"ZFR883PLQ-,D'T[YQR)J,QM.NSKTGXU<].T
MC@$.=WV+1S%F58M(9?,H=OV\QA$ZWPS`C43S!XV[,AK@5<DZUAO("^<$91@;
MRB=S#=9C>1=HZ^:=IH_P)Q;_`%5H8SPM1ZW/&E!JGCKAM\[*K##'FQ?-<+0;
M'\!6Q73PM0J9!G<[)RV&QC+TPCT-?6?$$\1P?$KK)W!G+#(!%L0TQR<]28?8
MJT)PG?QW%-PG6%V=V05./G.,=G'BQ?!7QXP'`LE/Y>'\''23&N8=2#E.8]CO
M&S?"4<65J,AFD2>#"1.2]`L)+(VFA,3%*P#4=6&$\+(_05+-"VNUJG[I&]!^
MG*&D05%CER.4%8ZPA.FV]LE,SP]IH:_.+%#48(MEZ!DL_12R,G@,/8CU:4-S
MSK'6O83$QX6P7R+M'7S3M-'^!.+?ZJU*,9X6H];GC2@U3QUPV^=E5AACS8OF
MN%H-C^`K8KIX6H5,@SN=DY;#8QEZ81Z&OK/B">(X/B5UD[@SEAD`BV(:8Y.>
MI,/L5:$X3OX[BE8EK*[.F;7@KZP=G-BQ7CUS<<$0K*$C+P[A!3),99<U%+YV
MQP#'+?!V^*K5>134TD@8T;DN;E90"=IH3$Q2L(U%DPPGA9G=F/J9TJZE3\KK
M,`Z<L3X%E$3C.&I-(@8S2XL6'.<!SA'GF7XZ02U[QNS-&QIXT;NKTTAC"KIQ
ML#FGN5U@^][C")B8WVV.I<2@_]"?Q0*!0*#&O,_DT\5=.O&S=SB9MS+/D_;Q
M;9Z':W!N7\6^CZO[&>K<&]L=<VS^:]4Z3H_RW,HG=PG@:VVO[$O@I?8O#/AI
MQ%B^S]E<8M_]ZN&+SN9NGU/^V/<?@GM+9FRO8QNAUOH?T9T]1N)]TR!P]]EQ
MY3D2X(<%_*%W$BFX6XVU]B;M<$FK=3<W9_\`95O?Y./4NBZC[(=R>AYWZ,YE
M2C=P]ALWHABYG'R5^*.%>/6Z?$78&>.$&]NUNH;L</"N/G6>;[$MC<.>;M';
M'Y'JO.Z+\;G43NM=I7V*'D_-O1<-^#W$E#LWDXR;\[W\%#]G<WE_MFW)\G'G
M]%SO8QN+^#]$U&XGW6/LLY5'D.\9=+O5N$_%_8T[\EW=3F]+L'ATV;W[O[J^
MQW9G#?JO5MH?D^J<WJ7XW+4HW<)X&:%$,7,X^2OQ1PKQZW3XB[`SQP@WMVMU
M#=CAX5Q\ZSS?8EL;ASS=H[8_(]5YW1?C<ZB=UKM*^Q0\GYMZ+AOP>XDH=F\G
M&3?G>_@H?L[F\O\`;-N3Y.//Z+G>QC<7\'Z)J-Q/NL?99+P#[-3RNFOAMPD\
MJ?==AW=W7VSU'9W!IMV#NOU+^RO?;R>>I\SJ/LAW*Z'G?HOF5*-W#V&QZB&L
MY;]GEY:^2_;%Y6^T,?\`&?8'E*;J=-PP:=P.*V[O]@NR>&/5NAVS^9=!S^E_
M+=+1.[A["SJ7[&G@')-G\)^#'$N*]=V9Q)V_OOPX7[A;E]1_M,W9X']=V%L#
MV/[A=:ZE^@^GJ-Q/NL?99=%>0IQ8TI;)X1\4MW9GY*.Z'-Y=U^&K3O1NWNK[
M'MD\,NJ=5VA^3ZGS>I?C<M2C=PG@9LT0UG+?L\O+7R7[8O*WVAC_`(S[`\I3
M=3IN&#3N!Q6W=_L%V3PQZMT.V?S+H.?TOY;I:)W</86=2_8T\`Y)L_A/P8XE
MQ7KNS.).W]]^'"_<+<OJ/]IF[/`_KNPM@>Q_<+K74OT'T]1N)]UC[*]>-/LR
MO*N8.%'"'RFMS8UNENEMK9NQ."K7NSNGU+^RS?/R<^I=%U'V0[D]#SOT7S*E
M&[A[#911!0*!0*!0*!0*#'O53Y/W`6=^5+LS@1[%]^ML;P[-]N4=W8ZSNK^G
MO;CL_F=!_P"\YO/_`"?/HF/88:R#[*+C'J=WNX*<3-S<I^4CO;MW=C=_=:"\
M<N3;O]FN\VZN[F^.P?TWT/4=J?C=#4;B?=;BS:_[$S<C'FW>$^[F_P!D39&]
M'%7>S>W9N->*W&;;_L^W?V+N;M[?S]"=3V)UK\EU"FX>Z;LJEQ61U*<$^`&8
M?*1V?P#X>R;B_M7;FS>'^S#]YNO;M>R#JNS>?S^I_G')_P!'XW)1,8X[F^PI
M>?LKO*(FV\O![CMPQ=-_-YMXMD[D\!?9#MO;7]F^]_DR<FT^=[)=R.3K/Z-Y
M*;A[IY,/^R?\D'+V[O"WR6^IRCC'MO?G;W0\/X?MO;V]G]LG7>%N[_4NC_.-
M@[.ZE^:]5J-Q/NL?9;/HQL'=J/;K=6W8V&T[N=2YW4]@]03[(ZIS_P`?JVS^
MCZ/E]7F<G+4N*F<M\/\`A3DWBSU7A7P]FG$SKNT.I\/]VW+?/K>R/TKU7=SK
M/2=5_..9R]'^/S:#7HS_`&57&[#W4.$_%SA#BKAEM7>[8_#OA?,^#&\&W/[/
MM\N#^W]WMX?93L+KO5OS?IJ)W</86'3?8>\%0]2X6\,-_P!EZKU3C#OCMOA'
M(-W]D]!_:MPNX#;4ZKU7V&[G]9YGZ-Z6HW$^ZQ]ENBA^ZFZ46W$V'N/NXR;F
M[L=2W:W4V8EW=W>V;^CMA[(Z'JG5_P`CU?F<S\7DJ7%C%K?\DS@F1Y9W,X0<
M0H%L_P#:-UOB1MLOAYLCA5[--N;P\SJ75O\`ZKF?^US:)C'P,=?_`.9&]6E[
M>/9_$'K)?D_\7>.'$/G\7U^ZN^W%;V7;/XV]-N;OQ^;;<YNP?RO1U&XGW6ZJ
MO"WV9VV,^<'>"^T>LG<8>9UWJ/4=XLF^U'>;]$[A[Z[X]!NE^@MN;7Z+\]ZW
M3</=,J],?`OR?</^3)LGR?MPV'A%L+;&R=Q^J!V+U/>']/<SJ_\`U==_.N?R
M]+^/RU*)QQW=]2&M'R8_)KR+Y8_4O)RZ:#\0.O[Y]6ZQQ$B6X_+P^]F'3<0]
MD]%U+\;I>;TGY+I*$8X[F^P[_P#Y8]?P!O1T&\&\U^#7&GR@]\.M\183LG>O
MC#[)MP.+^[^P=[/8WO3U/9GZ1Z*HW$^Z?C+_`+(K:NJ?>OA#MCIR?*%YF^G6
M]J\9&7I]R=E?C;S>49L[K^XWZ0W^ZOUK]-=%3</=;C/G33P&X(03R9=W."/5
MGG<S=;KNS.EWD>=Z>M;4_3.\>^>T=L;0_26U^L]<_.>EJ43CX5]*(*!0*!0*
M!0*#S'K^9G;^<_YL7_S+_//_`,J;_-/_`.3_`'C_`.+S:".9@SR._)F#L#[0
M7=CRE(;P6WPX$<>_+/WAEFT]S-T/93Q[ZKM3?'B=_P#9.DZ]^1YU0YSCBK7&
M?V5O$'3-PMXU[M;-TO=#LO>;A#Q/Z#*'DJ>4;M/V2\?ML[R=5Z/\IMKJNVOS
MC8E-Q'NMUFSV>OD[;S9^X9>4/QEV?@SBMY4G3<5^%NZ$A\FWH.9^9[B;M;:V
M9T_Z<ZWU[:_Y]TE"<=S%LE>OYF=OYS_FQ?\`S+_//_RIO\T__D_WC_XO-J7%
M',P9Y'?DS!V!]H+NQY2D-X+;X<"./?EG[PRS:>YFZ'LIX]]5VIOCQ._^R=)U
M[\CSJASG'%[\2^R2WDP!NEQ<X;[K:;]M<[>#@9OILS*WDT^5!MS].\;NM;T=
M'_QVMU?;GY?8M-P]UNLM.S"\CSKLZ\G/COO+P:TY['\HGIMXO),V9.?);X6]
M)^)P:V1MC9W3_I[_`*-L_ENK41./A;<ZEQ1IL)>1WP.=-C?:,=0\IJ.<.M^N
M!''[RXMO.?6-@[N^SSR@=A[1W@XE_FFZW3=;_->CJ'.<5TL3?9:<3M+?"/C1
ML/JVE;J.S]X.#O%;DR;Y)WE([<_3O'O;N\?5O^.V>K;<_+[%IN(]UNMF^AK@
MQPSR7P=W_P"M^4OJ)XS\5MF<2>/'$]\XB[T["]CW0]+U;8NS_P`TW<V=S/5Y
M:E$X[C-"B$:;"7D=\#G38WVC'4/*:CG#K?K@1Q^\N+;SGUC8.[OL\\H'8>T=
MX.)?YINMTW6_S7HZASG%642^R5WDP!N?QBX=;K:;]K]!O-P5WWV9E;R9_*8V
MG[)>.G7-Y^AZ/\IMCJVVOSC8E-P]TRA[*KR*^DR3Y+G'';_"W3OTG'CDVUY-
MNR9SY,6Y'4?T9PZV-MK9_7/9+S?YV_*=#2$58^%N&J7%&FPEY'?`YTV-]HQU
M#RFHYPZWZX$<?O+BV\Y]8V#N[[//*!V'M'>#B7^:;K=-UO\`->CJ'.<5PL>?
M96;\Z;N%_'C=C8VF/H]V=].&7$[JN4O)5X_?_P"W\HK;&\G4.I_G>WNJ;6_.
M]ATW$>ZW6;/9R^3UM+/?#'RFN+_6<6\8O*\VCQOW7V!(.#NU^O\`YQLGJFW/
6YQ]DNU]H[<_2?34)QW,6SZI<2@__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>g90582g61l19.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g61l19.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I64&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@`````````````!"P```DT````&`&<`-@`Q
M`&P`,0`Y`````0`````````````````````````!``````````````)-```!
M"P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````![D````!````<````#,`
M``%0``!"\```!YT`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``S`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#TH-H%C*JBX0Z'B7C0-=^<?I(_I,\7?Y[O_)*#S9ZU>X`-WG:023]%
M_.@56^_#]9XLK8YX,%Q=5.@_EW-<DB1ILY%-OIG[,1ZG;U'/V_\`0=N0<>GJ
M/J#[2:A7!W"MUI=/YD.>X?VO:HNN=;;:USR:S72YM?Z(@%QM+BW])ZCM^UG\
MY^B_1_J_J_IDP95]/806Z"/2G3Z.OJ'^HDM)LWJW?19XN_SW?^22]%GB[_/=
M_P"25-K*FV2&D$&=_P"B@D?G?3_[ZK&^X!AA[P/I;=GN\#]+_J$DB7@D]%GB
M[_/=_P"22]%GB[_/=_Y).Q[G3NK<R/WMNO\`F.>II+D?HL\7?Y[O_))>BSQ=
M_GN_\DB))*1^BSQ=_GN_\DEZ+/%W^>[_`,DB))*1^BSQ=_GN_P#))Z]&QJ8)
M&IGOYJ:A7P?ZSORE)3__T/371Z[(LWG>99(]OM?X>Y'VM\`@NCUZX86^\R[3
M7VN\$=)2VUNN@U$'X)MC-?:->=%)`R,W$Q03D6MK@2&D^X_U&?3>[^2Q)!H:
ME-M;X#[D@`!`X5-N=E$;_L-S:P0#N->^#_A&U,L?[6?2>QSF7_\`!>I^C4SE
MW/=MQL=SA$FRV:6#^1[V.NW_`-6G8DCB'\@VDEGB_JH]Y=B.U/Z$.>-(^E]I
MA_YWYGV3_KB"VW+H)M&6S(>\_I*K`64R!MV8=U;+'L=_P;_M?J?\$DCC'8NL
MDLSUNJL:;7/K/!-;ZW-K,Q[*KP_U*?W76Y5'T_TGI^DBNZOCL:XV5W,=7!O8
M:S-8/[[A^C?M_P"Z]EW_``>])/&.NGFWDE7JS\>TUAI>/5GTRYCVAT`O]KK&
MM_,;O5A)((.QM2A7P?ZSORE30F6U2YF]NX.=+9$C\[_J7-22_P#_T?3;VWE[
M-CV@EWL):3'M=]+WMWJK^Q[MPL;U+,;=J7/#V%KI_P"Z]E5F,QK?^"JK5J[T
MV7L?!W%TN(!.FUS6_1E3^T5_RO\`,=_Y%)!B#NTW](.0]S\W)LR&D`>@/T=4
M#C]%7[G/W>[>ZS_P/]&BX_3,;%!&,/1:>16`)/[S_P`Y[OZSD?[17_*_S'?^
M12&340"-Q!U!V._\BD@0C=UKWZH_L5>X/#G!X$!^FX#PW;=R1PFN:6O>ZQKN
M?4]WG]%WZ/\`\#1/M%?\K_,=_P"12^T5_P`K_,=_Y%)/".RO1/\`I'1X0W^#
M$YH:0!+H'(W$SY.W)OM%?\K_`#'?^12^TU`2=T#^0[_R*2J"C0SADL;W:W0$
M'Z7M4!ATUL<*6AI(@#\V/]'M_P!&I_:*OY7^8[_R*7VBO^5_F._\BDJ@ULCI
M[;:_T5==-K7->QXUAS3N8YPVMW;?_)U_X5Z$.H]190YMV%&6"`T-L!I.[_"6
MW_X"NO\`POZ-]G_<?[2KWVBO^5_F._\`(I>O5,PZ1Q['?^121PZV#3GC#LN(
M?DY]UEIDFO&=Z;!_):*OTFS^5;:I48A^T6_J[A47P+'6@@M#*6;PSW/_`,'Z
M?O\`\(SU?\*KQR:@"3N`&I.QW_D5*HRR=8))$@@\^#DD<`_E_P"A/__2]&ZI
MZ4,]3[5]%T?9/4_>J^G]G_/_`'/^#]?_`(17U\JI)*?J+.V_9+-_J[8U^S[O
M5Y_P?I?I/\U1Z?Z?HO\`3]?;ZC_Z3OW3/YGK^_T?]$OE]))3]5+.R/2_:-<_
M;-^]L>GZGH3M?_.;?T/I_P"DW>SU/37S,DDI^JD#-V?9G;_5VRV?0W>I])OT
M?1_2?U]O^#7RXDDI^H\+9]G;L]7;)_G]V_G\[U?>CKY5224_3#_1_:C/Z9ZF
M]T1ZGV:?3K^G_@/3V_0_[L>K_A5I+Y5224_4.?Z?HM]3UMN]O]'W[^?SO0_2
M>G_I$^!L^R5[/5VZQ]HW>KR?YSU?TB^74DE/_]D`.$))300A``````!5````
M`0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8`
M``````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#
M`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`0L"30,!$0`"$0$#
M$0'_W0`$`$K_Q`#7``$``00#`0$`````````````"`4&!PD#!`H"`0$!``(#
M`0$!``````````````$"`P4&!`<($```!@(!`00%!P@&!P<"!P`!`@,$!08`
M!P@1$A,4"166%QA8(18V=C?7V#$B(S2T-;<X03-C)%1D,E5E9E>7&5%3E-36
M60IA9T)28L0E)I@1``("`0($`P4#"`4(!P<%```!`@,$$04A,1(&01,'46&!
M(A3P,B-QD=%"4A46"*&QP>$D8G(S4V.4%U?Q@M)#U%48DI,T5"755H.C9#65
M_]H`#`,!``(1`Q$`/P#U.:HWQ;X:W[_C/G7:MKW"1N#="I2-/F+%NB@-8-Q6
M=+,WMO=:R@X$;CJI77CNVNY!W6HUHW8/5'*\<:1?R+0SQ""S7(KU?V[./J"Q
ME7FU+PQLE3U)7)O4S&W"YI-@V_LX^T-ATZ0AK!6K%!UYW>UI\T%6X)1OX+PS
M(UE*Y031>+Q[I`-#.VF+O(S>T6C)6_/K%)3L#OZ1V145YMG*-:38:+N6IU*D
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MH:=CMBQ5>BW+M>Q5UE9V#B)+`6BRE7:%C7Z8*&6%`X*#T*4Q?SL!K0S;@@8`
MP!@'_]#WR,(.$BG<M(1D/%QS^?=I/YUZPCVC-W-/D&J+%%[+.6Z*:TB[19-T
MT2J+&.<J1"D`>R4``#LC'L#'9J&9-!/'JJKL#BV1$[%99%9LLLS,).K955NX
M43,8G9$Q%#%'Y#"`@?:31JBNY<HMFZ3EZ9(SQPDBFFN[,@D"*!G*I2@HN9%$
MH$*)A'LE#H'R8!'#7?\`,_R5^IO'O]CVA@E\D27P0,`8`P!@#`&`,`8`P#'>
MN]L:]VRE<U]>69K9DM>[$MVI[D=JUD6H0>PJ(]3C[;65PD6;,5W4,\5*F=5'
MO6YQ'JFH</ER$T]=&:K:M[VK?([A+:LR-T<7+MQK=%)=%]+Z;:WU):N#X-K6
M+\&S(F2;48`P"A6BS0=+K-BN-GD$XFM5."E[-8959-=9*,@X&/<2DM(*I-4E
MW*J;)@U44,5,AU#`7H4HCT##X<6>;-S,;;\/+S\RU0PZ*I63D]6HPA%RE)I)
MMZ13?!-^Q'5I-RK.QJ94=A4J51GJ;>ZQ`W*I3C=%TW0F:S:(II-P,J@@]0:O
M4$9&*?)+%(LDFJ4IP`Y2F`0"$TTFN13;MPP]VV_!W3;[U;@9-,+:II-*==D5
M.$DFDTI1:>C2?'BDRY\D]@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!&C47V\\M/K
MEJC^"]/P2^2)+X(&`,`8!__1]_&`,`8!&C7?\S_)7ZF\>_V/:&"7R1)?!`P!
M@#`&`,`8`P!@#`-'W%W9VT-/.^<>DV6@>3,3MG:'-/FAL#2M_?\`'78J^CW`
M72:D%]8VF7V8]A4*:E5I23BTU@=*+BS5;J)F!02*`.88MKKCTO5M^'`_.?9N
M\;SL,_4?MVOMC>(;YF=P[M?B72P;WAOS9R>/9+(<%4JY2BGU-]+BT]=&0GU?
M*<[*WQ\Y&6^O[`Y/,KX3BG27.QFNT*+N2G-(7D`KM&LI[,<Z^O/)/9<HR7W8
MTUD>P,VS:C0;"I.#'ACH'0>$0;&QKS.F33>NGOY_'Q_(?.]FN]2L3M;NS.Q=
MTWF.Y_N2EWK(IRJE#->37]0Z+L_(DGEK'\^$8X=,,:7^'<7&Q1@^A*WSDS-6
M'F-2])WCFTKJ*E[4\N\EHK^[#[_M>\Z!Q^MU1W3)[D<L*I$3S#D#$-9NTM8=
MS.'B%V%I>5Y(_17N"HJ`;E\ZBY::KVZZ?UF._<^\,C*[^V_MW<NXGL6/F['Y
MD,OZVS,HP;:LN64XUQG'-BIV*J5SJ<,F5"?S=*BR2FJM6\FME67A#KR_7/FF
MYT%,V?GV2_2@+<@]`R!-<)QE!7T#"[.FT]F6#:"%>),DDPIKBZ2[.Q/XL?#K
M-R@+A)6R4GT)N73Q]J_(==LFS=X;OF>G6U;GN'<+[8LNWKSI:YV%+R.FEX4,
MB?U$\A0Z_,^EEEVPOG7\LHKYXRCTJUY>VGCUHZM<FJ]SFF&4KY?>\JY48"@P
M>^R7.9YB^T"Y059A]^Q%(:-IMZ=SIUM%^BPNQ30+UH>15>]YVU#FCY^F*EU?
M=]_/W_WG+2AWWF]K=N8?>&+W)97/M;,KJA1#-\V>Z>?;"N.;&E*;UQ57Y?U?
MX,XNUV:ZMO?]PH@)VJ<-.)%7M$++5NS5OC)H6`L5=GXYY#SL!.P^JZI'2\+-
M1$BBWD(N6BY!NH@Y;+IIK(+)F(<I3%$`SPX0@GST1^G_`$\Q<G"[`[&PLW'G
M3F4[/A0LKG%PG"<,:N,H3C)*491DFI1:33336I)O+'8#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@$:-1?;SRT^N6J/X+T_!+Y(DO@@8`P!@'_TO?1*RT5!1KZ9G)*
M/AH>,;+/9*5E7C:.C8]FW(*B[M\^=J(M6C9!,!,=10Q2%`.HB&`6F]VGK&,5
MKB$EL:AQZ]P1:.:DB]M]?:*VEN_5218KUQ->13/-HO5EB$2,V!4JACE`HB(A
M@%S,I^"DI&7AXZ:B9"7KYV:4]%,I%FZD81210%U'IR[%!91S&G?-BBHB"Q2"
MJF':+U#Y<`C]KO\`F?Y*_4WCW^Q[0P2^2)+X(&`,`8`P!@#`&`,`8`P"V;E3
M*CL2KSE(OE9@KE3K,P5B[#5[-%LIJ!FHY?H*C.2BY!%PS=H"8H&`#D'LF*!@
MZ"`"!I-:-<#QY^WX.ZX63MVYX=61@71<9UV14X3B_"49)IK\J]Y9>I=$:>T3
M'S$9J+7=:HB%C?I2EC7A6724L<BW0\*T>6&;='<S,XNQ:?H6XNEUO#H_HT^R
M0.SD**CR1K]C[:V'MJK(IV+:J<:-LE*QP7S622T3G-ZSFTN$>J3Z5P6BX&6L
MDW@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(T:B^WGEI]<M4?P7I^"7R1)?
M!`P!@#`/_]/W7[7;$<T\YE**]V&5C.5B6+!1A:\M+L'$188V396^%8VDQ823
MF:*^:IS+1LIVE55V)00(JX[I(X$+*9KW==`;JR-98[5:VFQH2"$,H1EH\L'/
MK$WAN2_1[K>4>[0=FJ+9^QV>:1DB55>.,=DHN@Q0:2)6L:F),Q:@I%HAMC0R
MTI0Y"OI4VO\`(6(G[<Z-6BL;O,;.W14;Q!3L2:)F'\H[]/L(-]+/"N$$?`.)
M`$#B*XJE*#+CUW_,_P`E?J;Q[_8]H8#Y(DO@@8!19VRURK-$']FGX6N,7+UO
M'-GD[*L8AHXD'?;\*P0<2"[=%5ZY[LW=I%$3G[(]`'H..7,\^3EXF%"-N9E5
MU5N2BG.2BG)\HIR:3;\%S96L'H.%PX0:(+NG2Z+9LV14<.7+A0B*#=!$AE%E
MUUE#%32123*)C&,(%*4!$1Z8*RE&$93G)*"6K;X))<VWX)'-@L<*;A!8[A-%
M=%51HL5NZ334(<[9<R"#HJ#@I3"9%8S9RFH!3=#"FH4W3H8!$54HR<E&2;B]
M'[GHGH_8]&G^1I^)S8+#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`C1J+[>>6GURU1_!>GX)?)$E\$#`&`,`__]3W\8`P!@$:-=_S/\E?J;Q[
M_8]H8)?)$E\$#`(O<@IB"B)>HR9YMQ!V>,B;>RB9%.K1NQX7L6$D$DK6+IK[
MOVUB=0-N)&_)(,7D-X46!T5I1L@Z43<5EIP]IQO=-^-1?@W/(=>9"%JC+RXW
MP^?H3KMHU5CA;T_?A*KIZ'&5T(S:G'=.^;$<2=JUI'7*,I\;3J17;W#*U&XT
MI<\&_P!G-(:OQ&KH=X=!PQE6FK9:O7=UW"S?N&\<O6A*9P4JB9*:OBD_M]M?
MZ#E%N>ZRNS=HJW"&/3CXT+H.JVI]$LA0A''@]&I+&E#+EHX],:WAZ.:32J>T
M"SJ55V[#UG84_:&\DMM"EUB*D=B0\UWVOK!QEEYR*9M/3D@HVDWR6]'`,F4K
M*"ZE"=L&:KHS(I4RRWP>C^VAFWGZF.%ON/A[K;=";R*JXROA/6B>WRG%+KEI
M)K,?1"RSJL6OEN;K22[KR_RAG4D*=TV;[,/'VDL'X&PP9=L?/\M;I1:UV0>.
MP<#K@;<$[W0R?_\`#C*]@7?6K"WQK[^'V^W]QDLW2YSNTW#,_<W59T:3A]3Y
MWET^7S>OD>;YVGF?A>9IU_X+H)$Z-D'SAUL8UBE:P]M4W9ZO/2):U*M'T:]7
M;:4T_7K!)0R2;E9V$&E;(IXV2.H`&`4@`?E$.MHOGQXG5]MVV3GNSRKZ99ME
MU<Y>7).+:Q,6$Y06K?0K8SBF_82`RQU`P!@$&'8--872]/X>2B*`P?;A&LK[
M!N@3]AK=1KYM`4&WHQ:35[9(N'B4K'<RJ%*Y<KI-1756;)CXUVVRG)O3VGS>
M:ALVX;E;CVPQ:I9_EN^WKG75#Z*FU1T=D8Q5ENNDI-1ZG*"_$L@<#S=5_B7;
MF6L5I9521MVFN/%EC*5-P$9&1]#L=S?W]O>EI%Y:YRL+0C5)W$-F)G<PL8K1
M^Y9M1;.72J#1RU?M\"MG<.Z43G?E9L:+;]OP;(TSA&,:;+97JYR=DZW!)QC#
MJM?RSE7#HG-QA.]-,7FU;`TYLF^SH.&,Y9X&I6I)DU3EF+6&>V/B_INROF-?
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MVJBCM=`$G#F=7SUX&XK[AW&N_P"OS,RNO&GC8<E7)1C'IEESKR+XOKD^F-#A
M.>EEE=2G!NR4=)3[C3<NTK.M/R=6E*NC!L)VHP<#XJFRLBWERW#E7LK3;:=5
M?$L48=W"L*'4F;TI6Q4_&*+^)(Y(@<A1:M\GP_O,D-_WK,EE785U*QHVU0AK
M5*2EYNY9&*IZ^9'6$::H3^73J;ZU-1:1D.:L-O>:@OI)5\*UEK%N>5HD["LG
M,$>69Q]LC/1\BFP2=O#LG1X=VFBY%)8R*ZR:BI"(IJ`W2-OI?M-ID96?9L.Y
MJ^S7,IO=?7!.'4HVQZ9=*;T?0TI:/1M.244^F-C/]O;7@DY5])/JF,=)3.VV
M[)\XJ,JWCM>US7G(^KZJ0L]A6):$QFXZ/UW:E9N34.K'(]8I14JB#<RG8:O[
M?E-=;ON]XRNLNLH\J=F2DW5)1HKHSZ\963?F?/&-%CNL;=:_#<DXP;TQ4RY"
M;#KSF218OF%MCGUPOSFOV1*+AVD5L>58V@D%&T^L(VO:$'*I,T&"!#AZ`:V%
MS(JR#=TP1%LF+5["DS25=T[KBSMC7;&^J61>X6=,5&^2LZ(U5JW(A))12?X,
M;Y6.<)U1Z%T62-TWLZY7:TWZM6@T6U9UOO?F#.,XEXS)M*KK3DRR3V5$'=+J
M,3Q,:LU2B%6J'4QW;8TH`^BIB$.K9-MO4ZS8-XW#<<W<\/,<(UT_Z&:BU]36
MYS7U$=7ITQ:53BN+E%W?Z"_';PE2]C;&H\=5:X\L\=*R;[YOS[5G9:Y,NK-M
MR:ONY[E!W.#KCPDTF1FM1*VR:/%3-D7:44E((.GQ6\<F`*0G+1?;Q.=V_=MV
MVZG"Q+,R$[I=$TK*YNS*G=EVPMA6^M:.FM1F^E25:G&=BC4N,H]43]HGH*+E
M+C885>6G5+?(-(%A">@U$(:.G&,7&E;(.9F3?NPA&Q2`^<CU(X=2)3`1LGW*
M&2FWS.SV3*S<G&INS\JMWVNV2A&'1I",XQCHG.4GT+3KERE*Q/2"Z8F7<L;T
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`C1J+[>>6GURU1_!>GX)?)$E\$#`&`,`_]7W\8`P!@$:
M-=_S/\E?J;Q[_8]H8)?)$E\$#`&`<9$4DSJJD23(HN)3+*$(4IUC$("9#*G`
M`,H)$R@4!'KT`.GY,$*,4Y-16KY^_P#*<F"1@#`&`:U.0'FW\&^,6W+;H[<.
MRK#`;&I'H'YQ1#'7%ZGFK3YRUF&M\1W4M#03R-=]_!3[54W=J&[LQQ(;H8I@
M#%*Z$6XM\3Y#W1ZY^G'9V^YW;F_;O;5NV-T>9%4732\RN%L=)0@XO6$XO@^&
MNCXIFRA0@*IG3,)P*H0Q#"FHHDH`'*)1$BJ1B*I'`!^0Q1`Q1^4!`<RGUUK5
M-/D_A_2B,D)LO6D]+:BAF:>T"/-Q5YY/1/?W*R]FJ+M81].I5R\IH7Q=U#6&
M0:P4PD@1!-VV\3!/DE%TSD2!:FJX<^)Q^/N^T9-^Q8]:S?,SZG..MMGX;4'-
M5W:7-PG)0M224H]5-D7)-1ZN2M;(UG:++2*RP#9[=Q?Z2SO<!)/[=;48@8V;
M+.O*G&NG*5V773G;C7ZE-2K!NFDH4K"'<BZ.V6[A%:=4].9.)NVSYN7MV'5]
M8I96.KH2E;:H],^MU1;5S?7;"JVR$4G\E4^MPETQE\0FP*G-0\=935/=$76)
MY_4V59L;V\N'498B7*[05&B7;8(+:TR_A@3?V1JY7:RR$=($:BJ`-S.&[AND
MX<^.A&-NF#D8]69]#N$,.V52KL=S<;/-NA3%KHR9RA\UD9.-JKFH]7R.<)05
MW.9:E-;BUI*@[#&5=V%A6DW!+M;ACROY&CVN_HJG5-<BN0:%AJ>Y2,8$A.#D
MZ10*)#'4(X:Z<3W3OVZ&?#;G]5Y\K8UZ^=;T]4J;+T]?-UTZ*I)\->II:::M
M8YJ^Y]16VA5#8<<;:R$5<=>678#2+>6:Y%LD8:I2E1@)BCR<.UNCM16^_..Y
MM8YLS9&>-WKLAP0<*$.W.O"::3XFJPNX-BSMLP=UJ>:J,C%LO479;YD?*E5"
M=,HJU_C>9;&$8PZHSDGTS:<7*M3US;5FFVZXS.IN0K4*4Q7F9B`^?L4>54KK
M:$DIIS/QDH3>`TN3;M1B5FJK1*6&51<=V8[0K=9%=2?!O1_;XF?)SX8>WYV?
MD;'NL?IXN<H>='J\M0E-SC+ZSRI)=+BXJWS%+1N"A*,GTY+8</%I3CASK/D`
MHUIS%)_?G3.]L7R5&*=-225:2P--UK+3<FTJW<32S6#++N"1SQL'8%TL5MD<
M/8_M\2ENZ8]*R93V?='#'CK<U<FJ?UFI:9;<Y*O2UQI5LE7.'#KDH%01V-K!
M:R;"JA5=DA-:WN>JZ;+(FN-N!"6#<*=)"HVBN.PNAF\E5ROKJ5H\4,9%XW<1
MSO\`NYDQ:*.IX<5Q,L=VV:67NN"I9GU&)D8U4EYMNDOJO)\JRM^;I*O6[ID^
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MI"U[2]-R#:]*S#>O3D=+I;B4HRT2NZKDDDJ!I@CM`[%0#H!VT!5:KV/43W3%
MK=M5FV;E'.C95'R7=\\E<Y*$XR^J\EQ;KL3_`!5).#UCQCU<-HV'"5%O/N)3
M7&^%`J%"0V/=$F>Q(E56IUMRZN*")I#O=WH)2;XR%&?..ZBS2'1($P$>]/W8
M3P7@_M\2N;NN-@QR97;3N;\C%5]NE\7Y5;=J75KF+J>E,Y:5]?#3]9Z&6$ME
M5B.V6STT"4[Z<&HI6-O+NP.\@3]IT^0;5E:P/9!=^YN;F/BG4B5FH0ZJD<V5
M<"<2D')U6NANX[OAU;O7L'3;]3Y"L4GQAS:5;FY.3M<8RGTM-NN,IZZ(NZHV
M5A=*G6+C%I.V\9;*]"V6.0?IHI/T6$[&MI1HD]2;KNFZ;M-NZ*"A4U5"`<!`
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M&?;F3NKNVO)QIP47^*JVI*75]V55EL6TXOJBY*4=8MK246[YR39#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(
MT:B^WGEI]<M4?P7I^"7R1)?!`P!@#`/_UO>9<[:A3(A.34A;'8W3N3C86+@:
MK&!*3,I*RSHC5FV2!==C%QS8IC"HX>R#IG'LT"'5<+I)E$P`8P+R,H)V\>Z1
M9VQ=L*!G-O72KRHDUB@E;YC7KA78`&7*>-(SO==D8Q<68/\`N1CG;P_9C6KA
MZF)T+IJFW:O<+0]JT:TL#9PF2V+0DI)Q)VD-;6M!LS6F7AY7'0+*KG:UFU/V
M[0YGB3/QI5TW+$'3,X.<$&.M=_S/\E?J;Q[_`&/:&"7R1)?!`P#"=AXX:-M<
MU(V.QZTK<O.2[@7<E).T'!G+QR8I2&66,5P0HG$I`#Y`#\F5Z8OP.=RNTNV\
M[(MR\O:*;,FQZRDT]6_:^)1O=/XY_P#"*I?^&=?^:QT1]AY_X([3_P#(J/S/
M](]T_CG_`,(JE_X9U_YK'1'V#^".T_\`R*C\S_2/=/XY_P#"*I?^&=?^:QT1
M]@_@CM/_`,BH_,_TCW3^.?\`PBJ7_AG7_FL=$?8/X([3_P#(J/S/])GUFT;,
M&C5BS1(W:,FZ#1JW3`030;-DBHH(D`1$0(DD0"A_]`RQT]<(50A57'2N*22]
MB7!(T*<U?(FJG,KDULODE)\C[#0GNQ_F;W]38ZUC;`UBOFAK^JT-/NI=Q<HI
M9WXY&KE<FZMT^[,L)`[0%`PX)T*<G+JYGYF]0OY:\'O_`+PW?NV[NVW%LR_*
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M7U7=61'S9PMLDJ^A34(=*LF^EQ<81O6'T)5ZS<6=EJ+>`J44UNK"Z&J]<JD=
M#1ZSMGK*ZZX63$8QPS;%</"6XCLSCPXFZ-`1$INV"B;IT>J-C1VSAX>?7F8,
M:J*%D1M\NNN,(MK'MH?W6EJ_-4NKI_5Z='KJK`8\5F\6^KKR,O"[`(C3+/7S
MY-"NH'\7L>MN-0K4C<\:1S+.&4=-02>HF"3N/<H2",DDUCR&61(Q5(]=/O\`
M`U=?94:;,2RG<7'R]O5$M*UQOK>*Z<N.LFHSA]+!2A)35BC4G**K:LNM'2,Z
M]C-THV.T4T)?<E";TR0>TC6[RG1C-\G'W5BXMLC$OK];'-AG'Q;>0JISO$#F
M;QZ"0G'H!RM.?O/='MW)LI[@CEYN/Y^X8JJDZ<=U14NFY.V47=:YS?FK5N<7
MTPC'7Q56MNK;I*/[X2H;"B:G7=G-VH6]@_H[FQS[:4]`LJ=*3=0L*5S@&D&^
M?5")8MTB/(Z4;-GC0KD$S@=9%0T^/'@S/G;+N%UNYK`W2%&)F)>;&5+LFI="
MJE.J:M@H-U1A%*<+(QE%3T>LHNW[1QS93<HWFX:R!7)6/V[KS8<:NC""\02J
M-20TTSL>LGJ`3+)5]%6Q'3K)RDZ!1+P$FFR<F0=$9&0=''V>T\N;VG7D71R<
M?+\F^.=1?%J&J552Q59CM=:UC:L6$E+5=%BKFXS5;C/(DAJ2H3NQ7>Q+-!UN
MS/BUNFP4`C.UF+E'=8=U2=N<XI,0\K(%=+-'$HM:D`$$$T3)FCR'$YQ,4$IT
M6NIM;=CP,G=9[KF8U-UGDU0@IUQDZW7.V?5&4M6G)V+DEIT)ZO5:8D8<;WT8
MPV<RCY?5D<YO\Y?;"ULL7IA:/N39]<=GO-DLD+=8D-D=Y=8Z(4>BU62*E&'>
M&336*=N)>[&.GGR-%7VE;35O%=5^%">59=-61Q'&U2MR'D)6S5_XT8Z]+6E;
MGHI)QTT*G;M#3][2E7]LM5%G;%)R&N3BA*:K<2.O30FN)&S2\=%OZ._V"ZD)
M-V^D[D_54<GF2D)T;`1`!1.*QQUYLS9_;.5N<;K<[-QK,N<Z.$L9RHZ*)62C
M&5,KW*3<K9MR=NB^32/ROJZ\]QAJ]LB;&WLC+7AYF1U=$Z^J4E":OCXMAK26
MA9+8$K'W&B1;^=FW4`^;/;BS732;/45$W<2FL5P!CD!!TIE<GL[#SJ,N&77B
MO(GA1HJE#'C&./*$KY1MIC*<W!IVQDE&::E4I*6K73VU^.#!S/\`S]6M\^&R
M2[D:[90L",M<TJNV*T30I00*&M1O!Z:1PZT0B:HN)'N!55,NK)=V58_<@Z?'
MQU^W]!>7:=4\K]YRSK?WO^\%DJ:E;Y:TTJZ%C^=Y6KPU]+*>FKUE=HI/I+ZU
ME2K]0ZW6ZA*7.H6"#JD!7:U%"PU]-0$LI&P#!",`\@]<;*L#-P^=,VI.ITVJ
M*9%>T;NS%$"%E)KAJ;+9]NW/;,3$P+MPHMQJ*H5QZ:)PETPBH_,WD33;27%1
M23U>FG`J9ZS9+76M=*7%S#Q5N@9*IVNT(5]!V]@5+!&,C&F(J%4?ND7I(HT@
MY4*W76[:O=$*)B=1$`::Z:\S,\/+SL/:7GSKAG53JML4$W#KBOGC#J:?3U-]
M,GJ]$M489?<68]]&4*&+<G<?'5_70T&[)QT&V*K>5F6IK5J6O6EL5](/V%9G
M(2'NTD8QA;R'CDA:MW(J)LFPIQT\N)S]G9=5E.V8ZW"4:JL3R+NF"_&:QK,:
M%BUE*-<X1NL?W9]:Z(3U5<-,W5F&V6R<N75NOE9L(+)P[=O'P6OW57BVB3)2
M34EGA2O+O:99:8F_&($[P[P6;9-H3L-1.=4YYX^+.CP\?=ZYSGG;G3;JH)1A
M0ZXI+JZGQNLDY3U2U<^F*BM(:MMY!R3:#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(T:B^WGEI]<M4?P7I^"7
MR1)?!`P!@#`/_]?WA7^%LT_758ZJR-<9/57+?Q[*W5\;+6K'`G[:$Y6)A@F\
M8N$6LW'+'2!RF<XMU.R<Z+A,#MU0(UQ7&"PP%7>4N$N-685FY4U37%^BTZ;*
ME:Q=!"^[&MS.M:N0)<"DK$?%UK:$G6F:;H7B;)FFP<H%(#([)V)U,F:^U#8:
MA<&$O)VB&E*Y4H;9M<HT5'UY]'2R$+LR]5RZ*H6*3<S\DV?K5AM56<:V.@W1
M,Z(51RL('4!),-2C:[_F?Y*_4WCW^Q[0P'R1)?!`P")=WWWOVM6R=@:SP;W9
ML6!BWQVL7=Z]M+BM#0MD:E(0Q9*.B[GOBMVEDW.8PE`CUBU7`2CU(`=!&CE)
M/A!M?`X?<>YNY\/.R<;#].-QR\6$M(W0R=MA"Q?M1C;F5V)>Z<(OW%J^\QR:
M_P#;FY"_\Y>%_P")/(ZI_P"K?YU^D\7\7]X?\I]U_P![VG_QX]YCDU_[<W(7
M_G+PO_$GCJG_`*M_G7Z1_%_>'_*?=?\`>]I_\>/>8Y-?^W-R%_YR\+_Q)XZI
M_P"K?YU^D?Q?WA_RGW7_`'O:?_'CWF.37_MS<A?^<O"_\2>.J?\`JW^=?I'\
M7]X?\I]U_P![VG_QY-",=.GL;'O'L:XAWKMBT=.XAXLR<NXITNW35<1KIQ&N
M7L<NX8JG%(YVZRJ!C%$2',40,.0^@TSG935994Z[)13<6TW%M:N+<6XMI\&X
MMIZ<&UQ-!/-+G#SCT_Y@.H=/ZRH.N9O6+5W!1TC-^,V.;7Q6_(F::ZZUF;D7
M:8NM.V.MI2MVR"<NVB;<SHCILX(H`")RD+YYSG&Q)):?I]I^8O4+U&]1]A]4
M-BV'9]LQ+-FC*$93UO\`(TSIJC'^OLC6UCRKMA*45'J4HR3\4EOY8>.\"R]*
M>$])^$;>D?`=]X'QW<D\7X+Q']X\)XCM=WWGY_8Z=KY>N>@_3M7F^57YW3YW
M2NKIUZ>K3CIKQTUY:\="",'N&X4RT5^#V#:G3F`G]^<DY>LV61*1!%W0*,VY
M&NY76<PM',%`54URO5(U['G!('+J$%$A$W*L6^<*TUTYOQ?]I\UQM^S]OS,7
M&W3-;Q;=SSY5V2X)T4K/<L>;BN/D.NN<'IU2IZ4E.5-DY5!/E%?"P%K?.ZM6
MVSO7EOFFUT7([CWZS.E0NM=7[17GE:9#W64MK&)3B=HMFKN0:%F)2/3*U?+0
M'9?^#9NI^PRKO+<UBYMMF%2IXM\U:]8R:JACX^0YNJ%LK5'IR(QE./FV0719
M+%TM\NNK/M^6-#89E'$G36D$E4.2+6'JA)&35EEK'K/=^I]0UI]/H((.#2!)
MN6F5A2%$C(&`R)6QA7[8NTW4]?SF>SN?+CNK<KL>.,J,]0KZI.3LQ\O&Q:W-
M)/JZY3>FBAT>8H/JUZU38SE);I*MNY<\11H9]4G)HZU,9Z8*FI/R`<A=@<?E
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M5758OWLU`7$\:,0"2:X-5B/2NSBL5F4Y/37_`*3Q;IW9G_N^S<,7&Z80R,:/
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M9W+%T33A=')A+3A)<BG(G95IUY?)YA!L8USKR`DW$_'UXT?)7&>LL!O#;FH5
M(*L)-+C)5"#?2;C4BBZJ"\Q)$9N'0L#.%!*9ZF<GHW]N9:7=>[YFU;GDU8T8
M3Q:I.<8=,K9V0S,G%Z*TK950<GC-N+ML4)2\IS>CL5UH<F+(YF:BU;5Z!?QT
MA!:]L5E<Q2LBLR:&V9LBRZZ;U!"<FU:WZ$M%#D:VHB])(L"N)*6,6.\'&+B)
MBSU<5P/;'N_+GD8,(8M<JIU466./4TOJ,BRA5*<W7T64RK:FIPZK+-*O+IEQ
M5X,[??W>E[9*S]BC%[`XVC=M>(66J5]>OEJU:3WA)ZI+8B,7D_8BJ2-,@4E)
M(5SK%3'PP=Z0>PHHI.KT?$V$,_=+.W\Z[)RX/*>;=0K*X.'EU_62QO,T<Y_-
M5!.S5O3Y?F7!M_AK[*%IAF(V0PW8O)4::,:5R@>?]!!R`],C`EC2`9V9/V$?
MW\$P3%08'^\_U7Z3&O#X_P!I#W.Y;?Y?U?\`]1_>_E=.JZ^CZWKZ.GG_`/!_
M/IIKY/S_`'>)PZ#F)8)#T)9;!8+#8)2AP%Q4GT;K'WS7-Z;/7KEN-_IRO=-;
M!11FS')VX91E&0A2="Q)'8M7[@$??S([8OO\WZ?+RK;<J>-"WK5L;J+DVUYU
M7!3IZ^&M3A73IPH4^BV9;3:_M:K1R[CE;_,R-Y=P>QI*:UA)6YJ2LC,ULSM>
MP4MQ%C'O4*G&:-DD/1TC-QS1)P5JW47DO'+*I`,:Z+JUX_;^H\4-TAA;:M_N
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M\9!GFHF&D'SR3XVD@GZD"O(3!VS"/;[U3,_.==RN0D6L=`Z1')TRG)K7[>P]
MN;W/F[=;ET7XL+<JCKAK#KC"3<L#HET.4M(Q68NO5R:5<G%Q4VD2Y"W,KNJ-
MW5=A$F*%K"L[#F@[M51@+FVUZHP[I2H,+3)7.CA.NIAR5(R[2<;M96.4CW2R
M#=1*6%U/V"/=.X*>%&>)6JE?Y=\_V=;850?E1LE;3UN<M-8W1C96ZIRC!J\S
MWJ>4DI:AQ"LJ[<2;N/=V&N%FW90*ZLK*IV68J\9;'`$_1"M;(R(1DC"G^B,+
MKJ3H02Y9<CIMCNNOVRB5\W.R$IU];YV*JR5<;7[[8Q5G#A\W#AH9&R3;#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`C1J
M+[>>6GURU1_!>GX)?)$E\$#`&`,`_]#W\8`P!@$:-=_S/\E?J;Q[_8]H8)?)
M$E\$#`&`,`8`P!@#`+%G;9KJ(M%<U_8IFL,;;M-*QJ5BJR:K$DK>D:?%LG5G
M%A'+AWDT2`AW2!W7YI^Y0,7M="],C5<O::W)SMJHS,3:\O(ICG9JL\NN375<
MJHIV=,7]_HBXN7/2+7@7UDFR,15S9>K+>HP]!KLWKIAMW8.M&S=2$6;OH/:=
M,;7D;B@LV=,TG4,\=P\-*.47IBIDDXY\FX145;OTCK0FGR]IHL3=]ESW5]-*
M,IQS[\=+H:<,FI7>:FFDX-QA9)3X*RN:E%RC;%RKR=3U:C$Q3)*LT!*"8V!)
MU"-$X:NIQ+.U(N#QR+B*;E;`S;V!)TF9`IT0!R50HD`>H"&-%[$>E8.RQHHK
MCAXJQHVIP717TJQ/I3BM-%-/Y4U\VO`_'3?7);4]@',+6SV:Z5NPOYSM0<>J
MM.5V$&K0TXA8WOA3`[;]Q9(U+N'9S`L@(="F(F/9<->7$3AM*S;,6>/2\S(I
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MBXI<&M#MN6=(%^O9GC6JC*)$3A'-A<H1`OTTXI^661B%Y94OB"$C9-L#DK<R
M@`BNF"@%`Y>H.!>=>W>;+,LA1YRT@YM1ZOEEU*+D^/RR74HZ\)+734[KGT!&
M-EVAFL:0B0/[,,4BBR*JLJVD0F7TNBQ'NP4=>FW!7!W'0!\8J"AC@H;M"X&2
M?TM,)0<(:+JLZ4EJVI=;DE[>M]3E^T]6]7J42?<42(C724PR@U(]U*,JK(L"
MQC-\0[S:MEC(@8^2CTD%>C>V3\X@=[WI.[<"H*RW:`!-C@>?*EMM%4XY%=;J
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MG?)#V4)(A!DEH7OUR#T*<4.V<O\`2(8X:^\SQJP)9<<J-5+SI5\)I1\QUZKE
M+[SAJUXZ:M'8A*M6:T:3/7*[!5\TT_5E9@T)$1\4:6E%Q$5Y*3%@W0%^_6$?
MSUE>VH;^D<DOCX6'ANYXF)54[).4^B,8]4GSE+I2ZI/Q;U9]-ZU7&DM)SS2`
MA&L[-H(-9F:;Q3%&6EVS4HE:MY.130*\?H-BF$$R*G.4@#\@!@F&)B5WW9,,
M6M9-B2G-12E)+DI2TUDEX)MZ'RQJU9BXY"'C:[!1T0U9OXYM%L8B/:1S>/E5
MBN)-@@Q;MTVR3.17(!UTBE`BQP`3@(AUR-%["*\+#IJC13B50HC&45%1BHJ,
MGK**26B4GQDN3?,I=AU_3;8]CW]DKL5-*QPN3)(R3)N\9KF=()-S&?LG":C6
M0%%-$O="L4_<F*`DZ#\N-$^:,.5M>WYME5N7B0LE#7122:>JT^9/A+33AJGI
MX%46J]9<R#N6<5V"<2L@U29/Y-:(CU9!ZR0;OVB#1V].W,Y<M46DHZ2(F<QB
M%3<JE`.BAP&=%[#-+"PYVSOGB5.^44I2<8N324DDWIJTE*22?#24EXL[BL1$
MKG=*+1<<LH^1<MWJBK)LH=X@]09-7B#HQTA,X1=MHUNFJ4_4JB:"93`($*`#
M)*BB3FY4P;DFGJEQ3233]J:C%/7FHI/DBD(T>E-R5Q-O3ZN@G3Q6-4B(U^)2
M)5C."`DX-7"D:%+""NF'9.+;NNT7Y!ZAD:+V'GCMVWP6(HX%*5&OE:0BO+UY
M^7P^37QZ="M1D9'PL;'P\2S;QT5$L6D9&1[-(J#1A'L&Z;5DS:HD`"(MVK9(
MI"%```I2@`9)Z:::L>FK'HK4*(148Q2T48Q6B27@DEHD=[!D&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!&C47V\\M/KE
MJC^"]/P2^2)+X(&`,`8!_]'W\8`P!@$:-=_S/\E?J;Q[_8]H8)?)$E\$#`-&
MMJ\CFD6JT62SJ\T^:$8K8YZ8GE(V,V-$(QL>I,2#B0.QCT30)S),6AG`II%$
M1$J90#J.8'3JV^MGYPS?Y<MNS<S+S)>H7<$'=;*?3&^*C'JDY:171P2UT7N*
M#_T&Z)\</-W_`)EP_P#Z?QY'^TD>;_TT;;_S&[B_WB/_`&!_T&Z)\</-W_F7
M#_\`I_'D?[20_P#31MO_`#&[B_WB/_8'_0;HGQP\W?\`F7#_`/I_'D?[20_]
M-&V_\QNXO]XC_P!@?]!NB?'#S=_YEP__`*?QY'^TD/\`TT;;_P`QNXO]XC_V
M#>358%.JU>MU=)\^E$JW`0\"G)R:I5Y*13AXYO'D?2"Q2D*L^=E;]XJ8``#*
M&$>@9G7!)'Z.PL986'B8<;)35-4(=4N,I=,5'63\6]-7[S25R^\MSF?R%YLT
MKEQ0N3VN->(Z8=5PFCZD\KMM??-J,AE2R$PE/`T7382Z]UE7+L)4`(!'4<LF
MS/VTDB]<$ZYRFIJ6FG(_._??I)Z@=U>HFW=\[9WCB8L=O=?T=3KMEY<8/JFI
MZ/ID[9.7F<-)5M5O6,4;S&8NQ:-1?E;D?"W0%Z1F=55H1V*1?$E:J+)I+*-R
MK=0(8Y"F$O01`!^3,Y^CZ^OHAYJ7F:+73EKXZ:Z/37EJB)KGCU;F5HJ]JJEF
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MBFK!2E5FQ4W'JLN^KR:<A1LZJI0A&$*YU:M9"U<+.C2+J=B+\9KY7:6LV-`:
MXNL@X>.%DB/%Y.3EJ&@IR2O.X45*6Z<U=IZ?E92NWALT?.!]`%1?0:#H$W29
MB-D(Z6ER^VIJY=G[GB;=*'TN)D6N3:U<I2I7U]V4O*;K77*4+HQG+\#2=,9Z
M334(RXL&KVUEV1&W:1D9QLSB:F:#:M*_<KI4UU9`T\C+"K))569AFDU'=T@4
MH(O!7(!A,`$Z'-UOIJ]3NLK9H9F[T[C;=8JX4="4+;:FY=:EK)5S@IQT7*74
MN?#BS$T?QR<MI!O-N355>P,F^C6D?-BT64DV#766[[SLNQ-V3]1AXMHC-UVX
MF9)%3,4%53*D6[*1NT-5'3[>\TE/:<X6QR)NEY45AJ,]'U16/F79%B4M-4IU
MV]"TYOJ4OE>I9U`XMSS&?@9;83?7$NPCK!4[!)04<Q2=PCZ5@=:[KHDK,,H+
MYGUR"BE)9?9;)1!H1L8K)DU%N*ZXHI**E'VZ&OVOLS)JRL:_=8XEE4+:IRA%
M)P<H8^73*2AY5<(]3R(-14?DA'HZI=*;[J?'"WI5.2JCIMK>??S&MBUHFPIQ
M::7ME3ED=`-M.!"U=`T"Y.6MO)E)S**NQ?H"5*5>I>CCK+&<BZ7IX?9&1=IY
MRPKL*<,2VVS$\OSYN;MJDL)8O16NA_AN?58Y=<>%ED?*<I=9V4^/-Z<;)F;D
M\D*6S9/;0A*E+$BJU<2T;'<@->[7AC2<9'U.':-I6.JM3=,%%%7,DLZDW"CL
M[@`=*D2=+UU^W,NNU=REN^1N%EN/&N5RE\O!RC'-HR8=48UP2E&NJ4&W*QRL
MDYN?SR4<G;*UU;[/<HR<K#:LQ2S=A!M&]_;6RVU.^5P["==2+YFZBZ_$/(/:
ME.524270@)IRUCRO"KBL"Q'`=Q+3;X&YW?:L_,SZ<G#A3"2C!*]6VU75],W)
MIQA%PR:FM&J;91AU]75U*?RXDL'&FRR<9/0[*,U@#:64WQ"Q;J0&445J;#<5
M\2O$9LB`:-:XBFWNU5%06JT815('PL&*R,RR[LZ(QT_VFBRNT,NZG)HKIP^B
M;S(1<NK6I95RNCD02K6EU?W76FNOHKE'(KT<3XM_%^Q7*31;*JT:OM6.P=B7
M8^PX\)20OUJ87E6]R+&F6F*/%Q;96DQ1[,TAY2,-,.BST$BHDFK%@)41..I&
M?V;E;A=&$GC50CE7W>?'JE=9&YW255D>F*\F/F1JLK\V7G4IQ4J?NF08K4%J
M3V[5MDN(VB02;1BQ"SHPC]>9*X%MKU_54H:!C+%1SKP'HB8=@=O+1$I"BZBN
MTS=QZ@F,L>=.*9M:=BS5ON%N\J<:M1BO,4).>NE$JU"$;*=8=,GK&VJRKJKU
MKG4^,G)S+'8#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P"-&HOMYY:?7+5'\%Z?@E\D27P0,`8`P#__
MTO>[8G,\TAW:U8BV,S.]IJE'L).2/$1QCN7C=NLZ?2"3.071:1S94[A0J2"J
MJI4A(F43F+@$0H#D]9II_`DD(BJ5R"5CF,G*6P&6Q[54Y:*>[1V706-GA[/"
MU-&#K-1GH/7S><9R4VL@P,UFT.RX512%RL)T,M:^V]8;?<&$1)U>&BZY;8;9
MMCHTK'V%](RR\+K.]5REJKV*,<P$:V8+6=M:F<DV(@X6,U(91LL`G3!50-"C
M:[_F?Y*_4WCW^Q[0P'R1)?!`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`1HU%]O/+3ZY:H_@O3\$ODB2^"!@#`&`?__3]XFQ
M*0RV12;%19*7GH..LS'T:_DJT[:L9E-D==%5TV;KOF,FR,WD$$C-W*2S=9)=
MLJHF<HE..`6,]T?&2T;&1$Y>-@S$:C#HUNS1IY"N0\/?:RRDWLG&5VSP%8J\
M#7V,6Q!^=HH$(TAU9.-_N4BH\:B9(PG4K=4U%5Z?:'MIC7=@<N%"6Q&$BY.6
M.[AJDUOUF:W.\,ZXU!%)<C6S6I@W=G*\5>>"*@FV8BU9D!M@@QUKO^9_DK]3
M>/?['M#!+Y(DO@@8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`(T:B^WGEI]<M4?P7I^"7R1)?!`P!@#`/_]3W\8`P!@$:-=_S
M/\E?J;Q[_8]H8)?)$E\$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8!&C47V\\M/KEJC^"]/P2^2)+X(&`,`8!__5]_&`,`8!
M&C7?\S_)7ZF\>_V/:&"7R1)?!`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`1HU%]O/+3ZY:H_@O3\$ODB2^"!@#`&`?_UO<[
MO6W4FAZJM=LV+;Y:CTZ')#JS$Y`3!H&=<"YL$2RCJO"RJ)T7[>6O,JY0A&Q6
M2K>166D2ILUT'1T5B`0K4NTQ&UQHI);<D`LR.L(:U\>8:&VDO8X^];)L.T-F
MF'586)N_42Y!+U:.9U&IR+A\>1,1!P:0.+9P]%V`DR_I.X.YC:Y8_P"?4S8)
MUW![Y=;@J3JQN9IE1;56MP5*#US#!755W#'7[9E6W\RRBO!I,B66/9B^5-)*
M(@\`&7SKO^9_DK]3>/?['M#`?)$E\$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8!&C47V\\M/KEJC^"]/P2^2)+X(&`,`8!_
M_]?W\8`P!@$:-=_S/\E?J;Q[_8]H8)?)$E\$#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`CA/\ON,-6W;&\<;)O+7<'NZ
M6:M'+#7LI/MV<PJ>1*B>+C%%UNQ%M;!+HN$U&<8JX)(NT5"J(HG(8##7KBI=
M+DNHY/*[[[.PNXJ>T\ON/$K[BG%.-$II2^;3ICJ_E4Y)IPK<E.2:<8M/4D?E
MCK!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!&C47
MV\\M/KEJC^"]/P2^2)+X(&`,`8!__]#W\8`P!@$:-=_S/\E?J;Q[_8]H8)?)
M$E\$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!A[</
M(/1O'Z$^<6[=M:_U=%'266:JW2T1,&ZE`0#JHC"1CMR23G78?D!!FBNL8?D`
MHCD.48\9/0T._=T]M]KXWU?<6^8N%1HVG;9&#EIX0BWU3?N@F_<8<X[\_P#A
MSRMDWL#H;?5/NUD8*.2*51PG-5"VND6G4SA_%56[Q5;L,U%)$`#&=LVR[8@"
M':.`_)E8V0GPC+B:#M3U0[![VNLQNV>YL?(RXM_AOKJM:7.4:[HUSG%?M1BX
MKQ9,3+G>GPHHFDF=54Y$DDB&4444,4B::9"B8YSG,(%(0A0ZB(_(`8(;44Y2
M>B1H9Y=^:)=MK;#+PL\KUDSW-R`L@/(ZY;IB>Q):WTQ#E7)&2LW'3ADEH*4?
MPZCLBBTP<R\/'F%--,K]XJ#='!.UM]%7&1^9^^O67<=[W5>GOHW7'<.Z+M8V
MY<?FHQ(:],IQGQA*4-4W:^JJ'!)6V2Z8]K7WD&\7'&C9VK\A)>W[8Y$[`?*V
MV]<BVEEFF%IC+L^!VX=&IR,FO(1[J&1>2"QES3+5\O,+&%RZ*0P-DFA40Z=)
M<9>TOM?\LG9DNV\G#[IOOSNZ\J7FW9RLFK(W/5ORE)RBX)R?5YL9NU_//1]$
M88/5V%YCOD_+-4]OJ2?.G@=&N_!$V#%HN%=RZDKX"`-E9H[]RN^8-&:/:*1*
M2=2<&())()24894B0QK95][YJ_Z4<[+=?5GT'E!;\Y]R>FD):>?%/ZO%AX=?
M4VXI+DK)64\(Q5U+:B;T>.'*#1W+/7+#:&B+Y%76MNBHI23=N?PU@JTJHB"J
MD!;J^X$LE7IIN'7JDN0"JD`%43JHF(H;-&49K6+/TCVEWEVYWQM-6\]M;G#(
MQ'HI)<)URTUZ+8/YH37L:XKYHN46F\_98Z<QUM3;NL-'TN6V)MZ]UC75*A$C
M*R%BM4JVBF)3`4QDV;7OS@O(R;L2]ANT;$5=.5!`B29SB!1AM16K>B-3O6^[
M-VYM]^Z[[N=.)MU:UE99)17Y%KQE)\HQBG*3X13?`T,6KS#.:_F(VN3U;Y5V
MO5]=:LA9(S&W<QMP1:,7#=I$#]MI68N6A;$UBT'(D`03(QF;"HBNDH=E%@4Y
MQP.R=CTJ7#VGYHS?53U#]5<V[9?1;:GB;+7/2W=<J*C#AX5QE"Q13]BA;>TT
MW73HV7MH?S7]GZ`V%&\7O->H!](;./T:U+D/'QZ*>H-G,TW)624[)N(A,\)#
MHNCG3%64C1&)154,1XWB12,3)C:XOIM6C]O@;'MKUMWCM?=:>S?6W:_W=O'*
MK.C%?2Y"UT4Y./R03X:V5_AIMJR%'2T;#-E>9OP`U*5;YY<L]-&6;("X<,:=
M9T]ERJ)`#KW:D1K9&VRA'1B]#%1%'OC%$!`H@(".1VUKG-'U/=_6'TOV/J^O
M[XV_J2U:JL^HDO\`JXZMEK[M-7[#/V@.1FE.4>O&.U-#7^)V'1WSMW'>DXY&
M1CGD?)L%.[=Q4Y`SC*+L%?DT0$JGAWK5NJ=!1-8A3)*IG-,91DM8O5'3]K]V
M=O=Y[57O7;.Z0RMNE)QZHJ47&4><9PFHSA)<^F<8MIJ23BTWFS+'1#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`C1J+[>>6GURU1_!>GX)?)$E\$#`&
M`,`__]'W\8!8TEL_6L,[@F$QL.C1+ZT=U\V64E;8!B[L7?N2LD?03=U()+2_
M?/#@D7PX*=I40*'YP],`N-E/P4E(R\/'343(2]?.S2GHIE(LW4C"*2*`NH].
M78H+*.8T[YL45$06*054P[1>H?+@$?M=_P`S_)7ZF\>_V/:&"7R1)?!`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`M.VWZBT%EZ3O=TJ=*C>PJIZ0MMCAZXR[M
M`AE5S^+F'C-#L(IE$QQ[70I0$1^3(;2YL\.=N>V[97YVY;A1CU<?FMLC6N'/
MC-I</$A%M/S6O+QT^FN-IY6:MEW2`'`8[6\D[VT_,X)WA?!'1UBRMA&;H54Q
M(8'!T2I&'](8@?+E';6N<D?.MZ];/2O85+ZWO;"LFOU:)/)EK[-,=6Z/7A\S
M27BT1SU!Y[G`;;VSV&LB6#8>MB32PLZ[L3:]5B*GK*<D^VB0L82R(6F7=P*Q
M^]_KYAG&LBB'9,N4YDRGJKZV]-=#E-A_F4],=]WFO9UE96(K'I"_)KC5CSEP
M^7S%9)P?'G;&N'@Y)M)[D45DG"23ANJFN@NF19%9$Y54EDE2@=-5)0@F(HFH
M0P"4P"("`]0S,??8RC*,91DG%K5-<FO:CDP2,`8!JPYG^;!I'BI;XW2](J]G
MY.<EYI\C'L=$Z@$\E-1KE8IE$VMIEH^-GS1$LX13,9&,:LI&6$.P=1JD@H18
M<4[8Q?2EK+V(^+>H'K=V[V5GT]O;=AW;QW?9)16'B_-.+?A9*,9],FN5<83M
MY-PC%J1%LW-WSHMJ")M->6)4]9M5NV!76]=AI**,2`Y!,RZ[28M&DI%SW:2Q
M.A$FIE#B4QRD,4!*6O7<^56GY?LCC'ZB_P`P6]<>W_1VC#@_',O7#CS:E9B2
M?!\E'5\6DUP/CV%>?=NCNS7KEGQTXU5YX=9-]!ZPJS:P6=LF;H8JJ+I:B2;A
M/NNO83[BT)&$.T)_E`HBZ;WSFD1_#?\`,UW!H]R[XVG:,66NL,>M3L7O3=,G
MPY+IR$_;X'9_Z2'-:?\`SKWYR/*E\FLEV7$=4&%TIS00=?+)-519[W<-9!NH
M4>PD*C1,$R]?S.AA(#RI^-S^WQ+_`/`SU#RN.Y>ON]237&-4;:EQ^\GIF-27
M@M8K3V<="_\`4WD1<.JK8EKWO*7VMROO[MV#YW-[HND@K%K.DU!,BJM#5Y2+
M=S/4G0%4Y=]*(JCU'L``]D)5$$]9:MFTV/\`EJ[!PLN6Y=R7YN][G*6KGEVR
MZ6_!N$.ES]ZMG8G[/`R7R1\F/A+OEJTE:?0R<:]E03=D6J[$X_HLZ(I%.XDJ
M8Q"[^H1J*%2EO"JHIB=<K9K*&*7H1ZD/0P3*F$N2T?N-OW;_`"_>G?<T(78&
MV?NC=ZDO+OPDJ>EQ^ZY512JEHTM6HQLX<+(\R+T9H+SYN/;((/6_*+CUR>I<
M(<6E>2V_'OVFP'T<FJ5)NI-R,E66T@LX,V*!S^)MTBJ4PG*"I^A!-3IOCRDF
MCC:>V/YF.UJ_IMI[RVK>=OKX065&2O<==%URE6I-Z<7U9-CYKJ?#6T+/QX\X
MWS!I-IJ;E_+:]X:\<(U%'VAHZ(FXN5FMT)'=.5#1C)M'[#V%+)MQ:`1!9&7?
ML(I,QBN18OSD*@0XW6<)Z*/N\3P9G:OKYZI70V/OR_%[?[2@EYZPYQE/+6K^
M5*-]\M--$U;.%:X3\JUI16YWB]Q$T!PZU^AKK0M"CJI&J$:GL$\J!9"Y762;
M$.4)BY6=<@2,V^$ZRADTQ$C1H"ADVJ*"/1,,T81@M(H_0/9O8O:_8.UQVGMG
M;(44O3KF_FMMDOU[;'\TWQ>BX1CJU",8\"2V6.O.!TU;/6SAD];H.V;M!5J[
M:.DDW#9TV<)F27;N$%2G26062.)3D,`E,41`0$!P5G"%D)UV04JY)IIK5-/@
MTT^#37-&CW='DZOJQMMWR#\N??<GPJV3,I/$;9386,6D-268CH2*@DVK[5P5
MK78_Q0&64CE&,K$@KW9VK5F9(!/@E3H^JN72S\Y=P^@EN'OEG=/I1W-/M[=[
M$U;5"+EBV:^"@GI7'7BZW"RK71PA6X\;"D'_`/\`(DU>T4J36$XE\CU)7NXQ
M#:+)6OUQ_6N_,B0;&[BI*7TE&./")=HQT4X)_P#I!_-15*`$,_Q"X<']O@:R
MVW^:O9JW@PQ]CW9S^59"<*Y5ZZ?B.,I8D7HM=4J9\>49+@ZOK?R8)K<ELC=T
M^9UR&N?*G9B:@.T-;04U(UO3-7(L(*N(-D#5O#2SN*\00J@(Q#:L,Q,`E4;K
M@(F,5+D^JV6K/1M'\OV1O^=3W#ZQ=U9&];PGJL>$Y5XE>O%P6BA)QUXZ51QX
M<TXRYO>94:?5*!6H:FT:M05/J5>9DCH&LUF*8P<##L4S&.5I&Q4:@V9,T.\.
M8PE3(4!,83#\HB.9DDEHEP/T?@X&%M>'C[?MN)5CX-4>F%=<5"$%[(QBDDOR
M(QWOCCSICDWK^2U?O37T#L.F2753T?,(*$>Q3X"&32EZY-LE6LW69QN0YBIO
M6#ANY*0QB@?L&,44HJ2TDN!JNY>U>W^\-KNV;N3:ZLO;Y_JS7&+_`&JYK2=<
MUX3A*,DM5KHVB*VL_*<\NO4_ASUGBCK&6<M^R8KO8C65VNN=<O01<F#9LI;$
M$UA4#M!W9"$3'_0*4```HJJUR@CBMG]$/2G9.AX?9.'.:\;U+)>OM_Q$K5K^
M1)+P2-:')OB/M_RO=LS7/7R^(9U-:9D5#O>4W%!%5<:Z>JD<K/I"S4V/:(+*
M,*_#E<++I]PDJYJJICK(%6AU'C-OCE!U/S*^7BOM]E^0^0]X=C;[Z-[YD>IO
MI;CRL[?F]=QVU:^7Y>K<K*HI/IA#5M:)RQGK**ECNRN&Z#B9R_T?S0U9'[4T
ME:4)=D*;-O::N\.BWM]`GW+8'"M;N$,5512/?HB4X)+$%1F](F*K959+H?,T
M)QFM8L_0/8_??;GJ#LM6]=NYJLKT2LK>BMHFUJZ[8:_+)<=&M8S2ZH2E'B2?
MRQV0P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$:-1?;SRT^N6J/X+T_!+
MY(DO@@8`P!@'_]+WVOV#*58O8N2:-W\=)-'+"08NTB+M7K)XB=NZ:.4%`,FL
MW<(*&(<A@$#%$0'Y,`@/!ZZVKKAC7PH$'?*_/JT"JT^'AZLUU$IK8CFG[#V;
M+QD-L1*SM%YZOU!C#7@JZQX%PU=+1P+(,S#(%:(J06>C,DZ@I%HAMC0RTI0Y
M"OI4VO\`(6(G[<Z-6BL;O,;.W14;Q!3L2:)F'\H[]/L(-]+/"N$$?`.)`$#B
M*XJE+)#+CUW_`#/\E?J;Q[_8]H8#Y(DO@@8`P!@#`&`,`8`P!@#`&`,`8`P!
M@$+.<W.;4'!#4#K9.R77I:R2WBXS6>LXQVBE9]C6=)$AB1\>0Q%S1\''F724
MDY-1(Z#!`Y0`JKA5LV7I.<:XZL^>^I'J1L/IIL,]WW>?7ESUCCX\6E9?8E]V
M//IA'5.RQIJ":X2G*$):HZ?H3SG.=E:AKUNSE;&\']871L:9C-6ZDK$I%[4B
M85^8J[)O.!&N*S98I208`GT1?VQ=VW*<P.&:*@J(CB4;K.,I=*^WVYGQ/`[9
M_F`]2L3'W+N+O:';FS9$>N.-BURCDQA+BE/I==D>J.G">2Y1U^:N+UB9CIO_
M`,??@Y'N336U9C>6^+4_5!W/SE]V4ZC?3#X04!9<X4UC7I@I%@,7KWT@Y6_1
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MF$1;Q3]FWC)+^[H"4Z@RT9#&$#?HRJ?ER5?#]9-,WN#_`#/]DUUWX_=>T;GM
M&]U:=>/;3*;U?A&249<%Q?FUU>Y,H:OGUTG8`"RXL\*>77(6>6/W,8W;4]C`
MPLDN!W"9^[E:BMM.40;IG0$#'/&]HHE4[10`G4SST_NP;//+^9G;MT_#[+]/
M-]W7)?"*52A"3XK[U3R9)<.;K]NJX%M3MA\]GF9%/ZO#:WU+P&UC:`*Q=6V4
ML;EUM]E7WJ@%DPCWL?*V6R1DTBQZE141A:XZ[T?T;I`1[U*/QY\-%%?TGCR<
MK^93U`HMPL?:<'MC9[N#ME8WE*#^]TN,K+(S2Y-542UY3C]Y;$N#/EL<?."T
M&N\IC!>^;CL#4Q+UO2Z-T'5XL3AV*:\HTB#&,Z"HUIZ_)WPL&JIU%A`@O'#Q
M5,BH9(5QARXR]I]5]-_2/M;TVQI6;?4\G?[5^-F6I.ZQOC)1Y^56Y<>B+;?#
MS)V22D;"<R'U,8`P!@#`&`,`8`P!@#`&`1"V?SCX\ZWGWE!C+/(;CW"W(L5'
M2.A(.0V_M%1XD8I/!S$'34I%E1B")NIG=B=1#%(A3'.N4I1'*.<4]-=7[%Q.
M$WGU'[5VG*LVRG,GG[\M=,3"A+*R-5X2A4I*G_.OE5!+5N22,4&TMR9Y6F-(
M<FK9*\=M-N1$T?QDT7=W36_S[$1$I0WMO^M*L9$5'!`$5(*F*LF*13@1:3?]
MD1R.F4_O/2/L7]K_`$&D?;W>'>S=O>&=/:M@?W=OP[FKYK_^9FUM2X^-.(X0
M6NDKK="G%N/(+@^7P>U5KMRCXHL3$(RW1&Q2MDY&:-A4P(B5/<M7@&GC=TT:
M(1*!U;3#-/G`T0*HI(L78%,\QK*'/C'V^*_28OK^Z/3E>7O<LC>>R8\LN,79
MGX<.7^+K@M<NF*XO)JCY\4F[:YZ.PR2CYE'`)8R1/?!X_(**B0O=/=E5R/51
M.<0#NW:3]XV48J)F'HH58$S)"`@<"B`])\VO]M&VCZN^F$G%?QYM:;]N17%K
M\JDUI[]=-/'0EO4KA3MB5F*N%$M-:O5-L+4[J$M-2FXNS5F<9`JJV4<14W#N
MGL5)M071.F)T53D[9#%$>H"&733XI\#N<'/P-UPZ<_;<VG)V^U:PLJG&RN:U
M:UC.#<9+5-:IM:IHT=\J?*^V7IS9KSF;Y6E@0T[O!F#E_>="M5&<?JK<4<8Y
M74A#1D&Z,WK<4ZECIB*D4Z[J(6<=VX:J1CQ$KA3!*II]=3TE[/:?G+O7T;W?
M8-XL]0/1C*6!W''65V$M(XV5'G*$8/2N+EXURTJ<M)P=-D5)YAX@><=H7=SY
M'4?(A,W%'E!#//F[;-8[2(]K$`\LS82H+HUJS6%)FV8KNUS%[J*ECM)(JB@)
M)`[`O?'F%T9<)<)F_P"Q/7SMGN*R.Q=U+]R=Y5R\NW'R=:X.Q<&J[)I)-OE7
M:XV:OICYFG4]C/(#D?I3BYKZ0V?O78$'0*DQ[:2#B36,K)SDB5$ZZ<+6(-H1
M>8LDXX33,)&K-%9;L@)Q`"%,8,DI1BM9/@?5^Z.[>WNS-KMWGN7=*\7!CR<G
M\TY::]%<%K*R;\(P3?CR39I:@O,G\RWE^>6L7`/@W6VVDU7SN*K6X.1,XG$>
MF4FP=VM.L8DUWHK!SV%Q%,$8Q:P(H+E[*JAQ(JF3#YED^-</E]K/SYC>KGJ]
MWX[\OTP].*5VZY.->5G3Z>M+G-1\ZF+X\-*W>HRX2;TDE95[Y/><9P.FJIR%
MYF16J=X<6Y-VVKVTZ=H^(B/2VHF\@];HL[4,H2KUR9;RQUE`2;F=2$O`.!_N
MBZC)RY:N0.5U>DIZ./N-?N7>/KWZ:9&%W5Z@486X]F3DH9-6'&/5BJ325G5Y
M=<U+7A'JG;1+_1R=<YPF;_=.[BUMOW6U4VWJ2UQMSH%SC4Y."G8Q0PD4()C)
M.6+YLJ5-W&3$8[3.W>,W!$W+1RF=)4A3E,4,Z:DDT^!^GM@W_:.Y]HPM]V+-
MAD;7D0ZH3C^9II\8RB]8SA)*49)QDDT:]^4?G%\->,%N-K52;M>\-ID46:.J
M!H:)B[O(0\D0OZ*-GIAU.0M=9/Q5ZE6:(.G4@V`AA4;`/9*;'*Z$>'-^X^6]
MY^O?8'9N<]H>3?N.]:M.C"C&Z49>$9S<X5J7MBI2G'1ZPY)Q<#S:^;6Q`-(:
M%\I3D#.U0J`/F]GV'*S]2"79@8O:"+CS:W"-<J&3.42"UDWICB(]$^A!$:^;
M-_=J>AQG_''U$W76WMGT.W2S"TU5E\IU=2_R8^1TOW=-D]?9P.-WYY=BU84'
M?*[RY^6G'R&3<-6[VPJ1#JP037Q<@5@@NG*W&JZH8O6ZI@."9D5#=\J7NTP,
M(]0>?I]^MHB?\Q^7LJZ^]O2C?-KQTTG/I<X+672GU6UXR:?'1I\7P6IOAK5C
M@[A78"VUB3:S5:M,+%6.O3+(XG92T'-L4).)DVAS%*8[5^P=)JIB(`(D.'R9
MG3U6JY'Z6Q,O&S\3%SL.Z-F)=7&R$URE":4HR7NE%IKW,K6#T#`&`,`8`P!@
M#`&`,`8`P"-&HOMYY:?7+5'\%Z?@E\D27P0,`8`P#__3]_&`,`8!&C7?\S_)
M7ZF\>_V/:&"7R1)?!`P!@#`&`,`8`P!@#`&`,`8!BBW[YT;KT%AOVY]44<&Q
M3&<#;]BU"M`@4AG!#F6]-3#+NBD,T5`1-TZ"D</_`,(](<HKFT:3/[F[;VKJ
M_>?<&#C:<_-OJKTY\^N:TY/\S]AJ`W3YV%8GKDMI3R]M*W/FEN)50S/TU7XF
M;8:G@51,=+TBYDDF99NQ1K)=(W?N`+%0XHAWQ)02`(YA=RUTKCU,^$=P_P`P
M^'D[A+MWTL[>R.X=_;TZX1G'&@^74Y)==D4UQE^'5I\RNT*4GNO_`.0R=,AS
M<0^$B1CD*8R2EE?BHD)B@(IG%+E`JD)R"/0>R8Q>H?((A\N-<C]F/V^)@7</
M\T[2;[$[=3]GF2_LW$K?$'RV-NWG?3[G3YELM#[!Y$%ESJZNU!%O6LUJ_3,;
M&N!-`.F;9%Q(Q3E_#*=I2(9H+.6S`QO'N%GDJJ*S5"MN778]9>SV'H[$](]]
MW+N:SU)]7KZ\KNKS-<?%BU/'Q(Q?R-).47*'.J"<HP_TLY67RZH;T,SGZ1&`
M,`8`P"U9ZBTBTOHZ3L].JMCDH?M>B9">KT1+OHOMG(J?T<[D&;A=EVE4RF'N
MC%ZF*`_E#(T3YH\63MNW9ME5V9@46VU_=E.$9./^:Y)M?`NDI2D*4A"@4I0`
MI2E`"E*4H=`*4`Z````?(&2>U)):+D?N`,`8!BS9^\M+Z3C@E]Q;:UOJV..B
M9=%UL"ZURI$=D*)B]&)9V18J/U5%"B0B:(****?F%`3"`9#E&/-Z&EWGN3M[
MMVKS]^WS$PJM-4[[JZM?R=<EU/P26K;X+B8&A/,4X%V`H"PYB\;FYA304[F;
MW#1ZRY_O(=4TA:V29B7(.BB'11'L=ZD;Y#E*/R97S*W^NCF<;U6],\I?A=_;
M0GHN$\JFM\?#2R<7K[5IJO%(6'S#.%=>D3PR?(F@W2>2`!4KFHUY3=UF((CT
M!,U;T[&7F<!<P_D3\/W@_P!`8=D%^MQ_.,OU4]/<6UXZ[KQ<C)7_`'>*Y9=G
M_N\6-T]?=TZE%-YC'%N*`#;`FMIZ714_2(/MZ<>=^Z=A'#(Q2&3DD[-?];0=
M8(Q5[8]#*/"'#LB)B@7LB+S(^.J_*F>=^J_9E''=,C-V^+Y/,P<W%@U^UYE^
M/"O1^^:?M6AD4>;W"\L4VG5.7/&1"&>=@&LHYWQJULQ6,IV^RF1RXM*:7>]4
MS`).O;`2F`0Z@(!/7#GUK3\IMO\`B+Z?*B&2^^MG6/+E)YF,D_B[.?NY\"P9
M_P`PSC)XDD%IZW.N5=[<H`NQH'%)JVWC,'()^Z*K-V*JOE-=T5GW@AVG-BFX
MEL4/E[S(\R/@]7[N)J\KU4[/ZUC;#G/>]S:UC1MJ69/V:SG7+R*5_E7W51]Y
M1DO^H5N=+Q(+Z:X65-X/:08N(XW);?*;9)8`(9\Y3E:CI*GOWJ("84DT[@DA
MV@#O3F`0R/Q'[(K\[_08(_\`%/N!=?5M_;V#+E%Q_>&:EKXOJJQ*I->"64H^
MUL[[;@/0IP?2&XMV\L=WV0Y/SIJP\EMJZRCV:RIS*O!@Z5QXL&FJ)"MW2@E`
M2)QIC@FDF45#=CJ+RU^LVW^7]!DAZ9;9D_B[_P!Q;YN.7^W9N&3CQ3?%]%.#
M/%I@G[%7KHDM7H<B_E\Z39E\32;WRJUM/$`Q6]FJO,3DU*R2!3@':3-&["VC
M>*H_0,8`$4G<:X2,8H")1Z!D^7'P;7Q9:7I;V[6NO;MRWO$R?"RO=-PE)?\`
M5OR+JY+W2KDO<<`<<^7M?*K%4KG]9WE<6(*":FX./6HMC7J);=X90IX:WU'V
M2QB\B7Y"]],0\P02=H!3$PE,1TS7*SA[U_T%/X3[[Q>JG;O4^Z6(^'^*P<6^
MZ*_R+:OI8N7OMJM6FO#DUQGX(Q=T*;W@N2'*+D&W=F(I+5:P;/+JO6DF8BPK
M>%=Z[X_PVJ(63AS#T`S*2-((*%#LJ`<OR8Z-?O2;^WN(?IK3N"?\4]V[SND9
M?>KGD?38\N.NCHPH8T)1_P`BSK3Y/5<"5^M=3:OTU6V].U+KRF:VJS4$P2@:
M16XFM1ICI)E2!PX;1+1J1V\.0OYZZO;64-U,<QC"(C9)):):([?:-CV;8,2&
M!L>U8^)A1_4IKC7'APU:BEJ_:WJWXLR#DFT&`<:R*3A)5NX237073.BLBL0J
MJ2R2I1(HDJF<#$434(80,40$!`>@X(E&,HRC**<6M&GR:]C-:.P-=W7@_=;+
MR"X\5>5N'':X2KBR\E^,=6:BYD:U(N1`\SR!X]P:0D21LB*1._L]7;@FA/H)
MBY;%(_)^EQM.#<HKY?%?VH^0;IM6X>G.X9?=/:N%._M2^;LW#;ZUK*N3^_FX
M,.2L2XY&/'2-\5UP2M7S3_UYL2C[9I-:V/K:T0]SH]OBFLU7++!.BNXV3CG9
M`.FHF<`*H@ND/4BR"I4UVZQ3)*D(H0Q0NFFDT^!]0VK==MWS;L3=MHS:\C;;
MX*==D'K&47_4_!IZ2BTU))IHCAROX&\7>:4"2*WQK2.FYEDT5:0&P(0XU_8M
M8*IU,4(>UL2`[5:)*CW@,7I7D<=3\Y1N<<K.N,_O(Y+O?TT[-]0L94=R[1"S
M(C'2%\/DOK_S;%QTUX]$^JMOBX,USZ6\B'351V3$V_D-N_:'+>DZ[;A%Z3U+
MM87)*=0($KDSM*(FT!L<PWMC%LX`JA&31O"0RI^WXE@X*<"EQQH2>LI-I<CY
M1V]_+5V_@[O1G]U=QYN^[=B+IQ,;)U\JB&NJC->9-6I/1J$8TU-Z]=4T]%/V
MX<U],TZ</IS1=;LO)':E;:M(KV1<;X6,L3"C)(`6/C6.P+R=[#ZDT]&M.Z*D
M"4W,,%DTBAW3=3H4HY'.*X1XOW'T_/\`4/M_`R7L';>)=N^]4I1^EP(1LC2E
M\L8WW:PQ<6*TTTNM@TONP?!&([QM?F;281_L?DMQ_P!,6KC#/1DG#;;TKJ5S
M9ML[=U51)&/.5U<[*[F8V'J^[89L@X5;66#A85%5HP#Q+,\D0BR>0W-<9173
M[/'^\T6Y;WZ@;=C6;MW?VOM]W9UL)0R<3&=F3E8U,H\;;'.,:\N"3<<BFJI.
M,/GK=R4D:V6'E%;.G)F7'@?SN<:P\O'DAX>]6.I5.Q66>F&J#U,A%HB@J1JB
M<1/PDHV3%H=TZEXUZBT(FT?I27ANI\7DO_NYZ5L^25>A6\9.1?\`\-/4IX?I
M7NVEUE55EDY)/G&GI^6<)+Y7*5M<U%*NU7=''<+Q`\O;BWPB@O`:3H"!;4[:
ME;3VT;89M8=EV$O0043>6,[1L6+8+?E,QC$&#`3`!A1$_4PYH5QA]U<3[SV)
MZ6=F>G6-Y7;NUKZV2TGD6Z3R)_ELT73%_L5J$/'IUXDV3&*4.IC`4!$I0$P@
M`=HY@(0O4?Z3&,``'](CESZ)JES,)<DM&UCDMH;:VA[@5,(+9],EZRH[4;D=
M&AY-=('%>L;9!3\P[^L6%LUD6W7\CAJ0?Z,K**E%Q?B<[W;VYA]W]L[WVUGI
M?39F/*O737HDUK"Q+]JN:C./^5%&KCR/=Y66>X_WWB/M906FZ^$VP9K45ABG
M"I5'7S,3E99&JJD4$J(KH04I%2D*3L$$I&<:U.8PBL&8J)?*X/[T3XS_`"Y]
MR9>3VON?8V]OI[A[=RIXLXM\?*ZI*M^&JA*-E2T7"-<&W\QNUS.?H@8`P!@#
M`&`,`8`P!@#`&`0"M&]*-QH?<^]Z[(>"TJ&MGNM)^032,D5[+.R:7IC6%KD4
M"QB(J35GFW+>/9$.8I#.G*8&,4O4P5E)13D^2-!W5W)MO:';NZ]R[M9TX&)3
M*<M.<GRA7'7AUV3<803X=4EJTN)>/'WF!#\F^'<3REU'5U[+,25#FI176+1^
M9Q)QVRJXR<(SNO'3MLQ6D%!9V%L9))=)BH[>,#I.6[14RZ*!XC/JAU)'/=K]
M^8_>'85'>>Q83NOGC3D\=2UE'(K34Z&TG+A-:)J#E.#C.%;<HQ=HU7DSLUWH
M79>TBGTWLM_0+O;(=5U6G]HH?@X6`M\_#N(ZV:]E276QU&[QL6Q8K%C'L@DJ
MY3?D47\$9,R:D*3T;X,\.%WAO$^V=WWI/;\RW%R;8-URLITA"V<'&VB7G657
M1BH/RYS3DIIR\MIIYNL&R-DU[<E0J;B/ICFJW>QS,'`59B+USLMQ6*[KQ:T3
MNV7<D,VC!1E:B[F#>OJQZL?V2F?L5S297+U&-&VKU7L.BRMVW?%W_`PIU8[P
MLFV<(5K5Y#KKH=D\ERZU"-<;>FAP</UZY.Y3LC28X9;?WFYF;+1U'^B$MC0K
M2D2#*'[-A+7WUVLU7V#;I/C9\X%;@1=78L77:DTEOG"@T5`D&\\>O7$D3M^^
MC67%<-?MP^WYC4U[[W)/(S-N=NV+=JXTR4/GZ'=97?;+`Z_-U\^-=4;?/47I
M3+S98D8N'5__U/?Q@#`&`1HUW_,_R5^IO'O]CVA@E\D27P0,`CGR+Y;<=.)U
M7-;-_;6J^OF2B"BT7$OW9GMLL0I]HHHUBGQ:;VRV!3O"=DPM6JB:0_*H8A0$
MP5E.,%K)G)]U]\]J=D83SNY][IQ:VM8QD];;/=75'6R?_5BTO%I<2%FE/.P\
MNO=3HD8GNY/5<RJN*24=NN&=Z^:G3[XR)'1[8Z,]H35!3H!P!:635*0P"<A>
MANS2-U<OUM/RGS[M[^8?TI[AFJ5W$L+(;T4<N#H7/37S7K2EX\;4].:7'3:'
M7;/6[A$M9^I6&#M$$^("C*:KLLPFXEV0Q"*%.UD8QPY9N"&3.4P"0X@("`_T
MYE33Y'V3$S,3/HAE8.57=C2Y3KE&<7^246T_@RN8/2,`8!UWCQI'M'3]^Z;L
M6+%NN\>O7BZ39HS:-DC+.73IRL8B+=NW1(8YSG,!2%`1$0`,%++(50G;;-1K
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MD%>6O7"IEF-87J^B0@%,>V;;OC,RQ@2%,5%`HTM2R`<3CW@]@"E[8?D[/YN2
MJ*_8;W!_EC](\1+S]FR<G3_6Y-RUX?[&57Y>&G'W<":;BQ<*/+SH,-3F@ZQT
M'79%5,E<H=6BC.;Q?)0QO"IC!TRMLYC8VSK(Y4`$S*HM9)\H;H!C#E_DK6G!
M(^A2RO3STLVS'P(?1[9B3?X=-<=;KI<ODJK4[\BQ\M5&R;\64<?,/XV1PF)=
M0WMJU8@&4.3:O%7DW0&R;<I2'\4K+V#4K6"10%,QC_GNBG*DFHH8H)D,8'F1
M\=5\&8/^*O:-6JW#]Y84E_\`,[;N%"T]KE/&4$O'C+71-M:)LICCG6PORRD5
MQ1T9M_D_)=3(_.N,@U-2:.CG9$RK*(R^YML-Z]%/P22-^>%=8V)P0_Z,4@4_
M,QUZ_=BW_5^<PR]2:MSDZ.R>V\_>;N7FQ@\7#B^>DLO)5<9:>/D0ODGPZ=>!
M4DIOS)R%3=J:SX0N_$$$QX0^[-[1"L6*@E4(F>Q)Z$L*4N=J3JD?LQS0JQA[
MPHD`.[,_$]D?SO\`098Y/JXDIO9^W):_J?5YD>G_`/4^BFI:<G^''7FM.3X%
M9KS(;GT;1]!X@Z";]D$%YF?V'M;D?*F,=,>V]C:U"43CY%I`D8P=V5Q+*=3`
M/:()0_.?B/P2_I_05>1ZM;A\E6V;#M<.3G._)SY?EC7"G!C^3JM?'FM.?*CH
M#F6J!G$EY@$N1\N(F7;5_C'I*,KK8>T82DAX^;1M4^V0[)N@@[EGYQZ`('#Y
M>KIG^W_06CVOW^]9W>J%GF/FH;?B1K7^9&:LFE_G6S?O*5*U[GYILZ5IKNR*
M%S&KK7M!8-56RE5S0FS'+$3(&%]KW8M9=N=?R%A;F%7L1LW%QC%RD!2#(-U`
M%51^(N*>J_,8+\7U/V!QS<3=L7?\2/W\:VFO"R&N'&B^MNB4UQTKNKKA):+S
M8OB[TH?/+C-;4Y&.MNPHW0VP*\HBVM^I.1+N,TWLJJNU^^[DKJ$M\@R9S\4Z
M!`QFTK"NI2'=D^5!TI\O0IQ?CH_>;#;/4SL_.5M6=ND-LW2II6XN<XXN16WK
MIK"V24XO3Y;*I6527W9LRW7N2G'2W2[.OU3?VE+//2"@(L(2O;4HLU+OE3"!
M2I,XV-G7+QRH8P@`%(0PB(Y;JB^4D;W%[N[4SKZ\7"[GVZ[)F](PADTSDW[%
M&,VW\$9KR3H3#>W>0VB]!QZ,GN?;>O\`6B#L@&C6UML\5%2TT8RADB(5^"6<
M>F["[45*)2HL6[A8XE$`*/0<JY1C]YZ&@WWNKMOMBJ-W<&^8N'&7W5;9&,I^
M&D(-]<W[H1D_<1O-S3MNQ$BDXO\`%/>^YDG9.W'7V_P@<:-.JHJ)D,A(C9]S
M(0VP)F)4.H'1:#JDSVRE,)`-T#M1UM_=@W_1_6<D_4+.W5:=F]D[GN"E]VZ^
M'[OQ=/"7F9:A?./OIQK=>.GOZI..7)S=P$<\I.1[RFUA90ZBNC.(*TWJ^MKM
MQ,!"QMPWI)J*;KMR"K0RA'`0RM/;K&/U%$2E*&1TRE]Z7#V+]//^HHNT^\>X
MM)]Y]VRQ\-OCA[6YX];7[-N9+_%VIK52\IXL7K]W1&7=8<*>)^G)$9W7V@M;
MQ=J.J5PK>):!2N&PW*Y`*!5G>P[D>P7=XK^8`]I5^<1$.HCU^7+*$5Q4>)O=
MF]/.R-@M^IVOMC$AFZZNZ4%;>W[7?;UW-_EFR1$Q7*]84TTI^"AIQ)(BZ:2<
MQ%L9----T4A7)$R/4%RD(X*F4#@``!P*'7KT#+:)\T=5?B8N4DLK&KL2UTZH
MJ7/GS3Y^/M/BOUBMU-@6*JU>@ZU%E.90L;7XEA#,"J&_TCE9QS=LW`YOZ1[/
M4<::<B,7#Q,&KR<+%KII_9A&,(_FBDBN8/28^3U)JE*36FTM9:^3F7(J&<2Z
M=,KA)-<RP`"QEGY8T':HJ@'YPF./:_IR-%[#5K8]D5TLA;/BK(?.7E5]3UYZ
MRZ=7^<N^,AH>%240AHJ-B4%5.^51C&+5@DHKV2D[U1-JDD0ZG8*`=H0$>@`&
M3RY'NIQZ,>+CCT0KBWJU%**U]O!(I-RN]-UU79"WW^UURDU6)3!63L=KFHZ`
MA&!!'H474G*.&K-$5#?(4!.`G-\@`(CTR&TEJWP,&X;CM^TXEN?NF;5CX4%K
M*RR<80C^64FDO=QXF#DN2Q9,PR=5T1R(M]"+V.ULB,H<+!PZO4%!46BJ/>;?
M4=UV6.*!2&2?155?,'R:Q%&:[A+M'+'5[(O3[?$YQ=WJY^=A=M;K?MG^OC3"
M$?RQINMJR[(\M)UXTX333KE-:M794>1NE[K86E-C+LA#7J0366CM>7^&LFK-
MD23=N0RKAW&Z[V9#U*ZR#)ND7M*+(L#I$*(")@`0ZE)/AKQ/=@]V=O[AE0V^
MG<57N4TW&B^%F-?)+BW&C(A5=)+Q:@TO:9MRQT1"]A"0W+VVK6FVQ$99^,E#
MD7T=KFK3C!I+UC=]X:@YC)S:TY%/TEX^P:]J2AEHZIHKIG9R#X'4T4JR1(1T
M2GWWJ_NK^G[>'Y_8?/JL?'[[SI9N=1"[L_&FXT5SBI5YERUC/)G&2<9T5<88
MR:<9SZ\A*26--9!<<2.//<*HP>N65#.HFLDB[U;,V353V/*L/>#Z+=:ZF*RK
M&E3<`58A41(F5<A5`+VR@(3T1]AM)]C=J],HXVTQQFT]'CSLQG'7]ET3K<>/
M%::)-)Z:HM].P;NT0H1K>6=AY#:F3.5)OL6H5PCS>5*:=H"I^T/6M59I$VS'
M(A\@RM.CTIK\Y-,]?<`5Q(XXQY\5_2>997<7;34-RKMW78UP5]5>N94O]OCU
MK_$Q7^LQ8*WDGBSTG:94H6^M+[.DG,'1-FTVPV9B03RE.0FVC6\0H`!S&)/4
M>0.SML"J4J1A$CQD@<`*(].@9*E%\GQ-SMG<W;^\6SQMMWC'MS(_>J4TKH?Y
M],M+8/ARG!,RWDF]+?M=KKE&K4[<K?,L*[5JQ%/9N?G)1<K:/BXJ.0.Y>/'2
MQO\`13113$>@`)C#T`H"80`8;26KY'ES<W$VW#R<_/R(U85,'.<Y/2,8Q6K;
M?N7]QJ_BM2<:;OL()?4RN\O+XY$7Q9U:(1&#;(:B#<:"S+TH6Q2&I)D+7H;;
MCMRR4!Y*1KR-/<8D`Z2J$:N`%+CZ8M\-8R^WAR_M/C=.Q]H;CNOG['+<NUNZ
MLENR"@EB_5)KJZY8T_-PLIM?/97*MY57_?QIEP,](4;S&V;8L.3D?Q(E6J)#
M,B6R:XJ;1+;G+<1%,DP_CH7E-$U$TX5(04,D@T;LC*AT!,I!Z9;2S]I?F_O.
MFCMOJQ7!8Z[LV*<%P\V>VY'FM?MRC#<8U=?CI&,8:^"1:]LXO;"O$;)2/-+F
M&_MNHH5J9W,Z]U964N)VIY6-2)_?5-L3[38MYV+9(<W7]*T^=,9#G(`%7:J_
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MW'J3<NU[CR4UU]HW+/FOL<JP%!ZU4WRMJB-=E%,R2Z!F''FN:=(1FN00`R0&
M'J4ORB(F5,HZ/;.7Y_T%_P#ARLC_`/MN^.XLO7FOK7C1?@UI@UXO!^S]+;HE
MA\L+AG/0<@P)K.5C;4HF5>O;9'8>Q+)N*BV%JNW?1%PI.RKO:;3:(.T0LJS1
M=(N"KG!11/LKD52.HF>'5!^''^D\V5Z.>G^5C6U+9YPS6M89/GWV95,TTXVT
MY%UEED+(22DI=3U:TDI1;3K.A.0EU@=C*<3>4IV<=OB-8/Y+5^R6S%*$I/*K
M7D.!>]NU.;)J*,8+9D"T,0;952*"HP6$7K(%(U4HH3&3UZ)?>_K^WBCT=L]T
M[CC;L^R.]'&'<T(RECY"BH4[E1#G=4N4,B"T^IQD]8/\2O6F2Z=8_*+M<`/-
MTT3RP:=]&Z,YN1@:-WD9/O4XB)OZ`0L/%6.0,3^X1Y!42@)/MG(9=5&/F#$'
MJJH(8I?AVQG^K+@SX[WGKZ7^NG;7>\-8=M]Q0^CS.?3&Y=$8V2_5CRHLU:U:
MAD-<V>A_/0?JH8`P!@#`&`,`8`P#&.P=V::U,CXC:FV]8ZS;]@%._P!@WVJT
MQ'NS?D/WMCE8TG8'^@>O3(<DN;2-/NG<7;^QQZ]ZWS#PX^V^ZNI?_N2B:\=M
M^=AY<6IF3Y0=](;+F6@*"A6M25JP7-[)F2$@'(QGP8QU"3'\\.R+F8;D/\O9
M$W0W3&[JU^L?*M\_F'])MCKL?\3+,R(\J\:N=KEI[)],:?\`VK8I^'B0^9^;
M=S*WC>M8,^//#"MZHU/?M@5FJ0^T>8EY1UXTV$VGYA@P2C]>LWLU0FDO:GB3
MPJ;9G`.KB[4<*IE3:KF$$ST\Z<FNF&B;\3@Z_7+O_N/<MFK[5]/Z<'8\K*KK
MCD[I<J%>IR4>FA.=*E8T](QIEE2<FDH2?!S*WI7.(=MG>6\-S/>4P=6L-@ZO
MM[:#N=[>TIM.3-4T!`.@3CF\;9:T]M4DS8.ECHL"F<=I8Q#E2%0J9BY9]#3Z
M^1]P]0L3L7.V'Z?U`LQ_W+&3M4+;G4ISKC)_*HV5NR2BVU#YN.CZ=4FNUQ85
MX'T[B%?;IQ&*%'H%JUFRW/?Z1J+:+N8V52927I!7J/?L)6[RB%%V(U:L"L3G
M=*,6BCA@4KPXMFXB2L.CH;ARTU.2[+EZ:8'8FY[AV*OIMKOPUEWTXN0Y9%,I
M4ZK52NDJ;TH]#<G"+E!*Q]$>'!2O0U?XS<E;YLZI;IMPOG>T'-RG$+#J>?D+
M+1:=L+;-H,O2)VH1&O**A#03]U./70KQ;9YXEZ<B(O43QX&E?=DVF4V[Z?%[
M0[NW/>,'<+^J60[9J>-.5E-5^39K3.J-%*A"3NG+JKC/JFU'S(NK7-YH%U%<
ME]S2U5FM]/[HK1Z=:WM774T,E1;E`JLY&LP51H]DL])?;&KT#6Y1!U(&:C,1
ML:$VX=KE!4[AUWD_K/377X'1O&G3W?W!?A9&YRW!XU5CK?T2IMAI*N%5-EE+
MOA"N2E/I\VNOSI3DNIRGK%I*GR1=//M1G<\JCMU>0D5K1LT4L'#_`.<3>]H4
M^9VT]OC/;2.J"$]-O+>X;I.;&X?*VCY[((%;O4G?BA5KQTTX\_=^7[>\XR.!
M<MALV)RWKI>ZQQTNO:_,5RJGDNY9*QOONUQ4KY3>1]7&*A8I]?5__]7WVOWJ
M$8Q>R+H'`MH]HY>N0:,W<@Z%!HB==8&S"/0=/WS@4TQ["*"2BRINA2%,80`0
M,&-^2%`=QE=FFK"Y*Q4S!15HF7AJN\;?,"M3DX]K$/-7]F\.VD(-L\L$:Y;F
M331<.6A&CETY209-';E`3H795-NU>X6A[5HUI8&SA,EL6A)23B3M(:VM:#9F
MM,O#RN.@657.UK-J?MVAS/$F?C2KIN6(.F9P<X(,=:[_`)G^2OU-X]_L>T,$
MODC[VWS(XJ:(8.Y#;?(34M)!D`"I&25UA7%D6,*8+`DPJD8Z?6>47%$0.";9
MHJ<2CUZ=,JYQCSDCD-\[^[)[:JG;OG=.#C]/ZLKH.Q^/RU1;LD]..D8MFES:
M/F@\K><DY8-+^4GI^P2,-'J'C;ARLOD8RKL!"$5!N<WS4;7$K>$K[H[543IF
ME2.9M=$YC-HI)1,J^87;.?"I</:?GS>?63O;U'R<KM_T.V&V>/%]-NY715<(
M:Z?Z-6Z0@].*\Q2N:;Z*(M*10].>3$V@Y8=C\S]5V[FON>97(^MED7Y/.U*P
M[E^R59!VVC+%!:SM4PR;`GW2OI>9=D.(@0K,40$P%3XS75+\IYM@_E^ACW_O
M;U!V6_N+N"QZVV/<7Y;ES349PQ[))<GYMLD^2KZ>)=N_O*IXV["*M.43A9O#
MCO9/"D1=*5V/X^[7U+,JD0216;RFL(CD,[O$>@X:,0(9[4W%2DU1$JAW/B.@
M8E5%\H-?F_2>[N?T4[2W7JR=M]/=QVK+TT?EQP<G&F]$FI8\,YW132TZ\:6-
M8^#<^HUMROE3[TK[U>9T=0[SI6V%7_1V'7>S.6%:K[LB"K@6SM&H2O$R[W2$
M$"*@*;92[RHMNIBBY7$>\S'Y4OU5I^?]']I\DO\`13N3%LED=N;9D[=G:_?H
MR-RK@]&]&JI;;=;#GPB\NSIXKKES,HT$//:XJ%1>0NT;CR':)J%5<:[O6J>4
M6Y"R20`0J!#6N[:(A9.,0,81+W;.SLCD[(BH4I.R897GQ\=?SO\`L-UMG_J4
M[*4;,?><C=8)\:+L;<<KJ]GXMV'"45[H9$&O'1:,EG6//PNVJ$6$9SFX([TT
MM*>(+'.K+6(*7914B^+_`%YF%3VFTIKAB1/LF,"1)N1.)`Z@8<LKVOOP:.WP
M_P"9O<=DC53ZD>FNY;?=KTNRN$E&3\>FK)537Y%=8]/$S9>?_D"<.BTJ,7T1
M7ML[UW+9WQ86K:3BZ+/UR=-,.4DQ8%FYIU'R,49H[<J=P0D*,V^.L'0&P$$%
M,L\B&GRIMG1;E_-#V"MNIEVUBYVY;_=+HKQ(TSKGU-?+US<91T;X)5>=-O\`
M4TXD)=W<<?,:YUT\NQN>7)/4O"#3<C)1[ND<9[%8E:I%3#15TT<H-KLR9SJ#
MD\TY:``-O3#R6F&ST5"$CH_M=V-)1LFM;)*,?8?.^XNT_5CU)P%NWJ9W=@]N
M;!.<73M\['7&:U32N2FGUM?=\V=ML9ZI55:Z$K>/FN^0NBJB77G$'4FDZ13I
M)L@E<-UZFXL;9<W8&`%'N9V/F^5&X]8!N2345,0S55NK8HULFH8Y$%"I^'&\
M4XK2"6GMT_2=MVMM7=/;>"MJ[$V/;L;`FDK<O&V[)=W3X3C/<<K'^JER<7%W
MUQ3;46ETDG*[I7B4E('LO)'57)[DYM5^W6:OK=RDXT[CY!`P0DC"9]&5"I4G
M5=KT)K:&3=$53\/78V/`R8]3J+IG(JI91CSDFW[UK_<CL<3M[L>-KS.[=DWG
M>-[DFG;N.WY6=TJ7.-55.-;A8\-=5TT5PX<W)-2?T\XY\`#K*R%2X0;6A$3N
M`4<OM6Z)W;HSH@83B]?##1`:MFW"+7OA(=NBR4=.2)E*@@N0B71TP\(/\Q-G
M:?I@Y2MP?3G-KCKJY8V'EX?#Q?1'Z>;2UT<5!RDDE&,DHER4OC;Y;=^FOFK`
M(RS>[`0%%==VK=G)"@[-;)"43E5>ZSO>PJW?6*1R%$2G6CB%,`#T$>F2E6^'
MC\3U[?VEZ2;GD?18L9K<?]19EY].0O>\>Z^NY+WNM%!G=.\,Z5(N:W0N7?)Z
MGV)H3N?9SI;F)R!W/;&JIDVY4S-=2K6G=$ZL[.9H42=(E0Q^@I@`IB*>1I!<
MIO\`.W^D\N3L/I_M]L\3;.^MYHRX\/(Q-TS<NU<N6,[,N;?!:?A/7ERX%Y:4
MT8O2WTA/<<N/#'7%DL:*J=BY5<P)&>V-OJX`H1)()(]66LCW;<]&/^X[1HRP
M6BC`Q-T[J.[OH0)4=/NQ^+Y_I_J-AV]VW+;[+<KM/M6.)EVI^9N6Z2G?FV\E
MU>6['DSC+3_1WY&'T?JU:<"2YK!R>UX)QL=+I_(*O)`HIZ6U2X0U=LM(@%,9
M%J.N-CV:0HE@4*`=%7B=SB!.;^JC_P`[LEM\RYK5'7O*[QVK7ZO;\?=,5?K8
MS6/D>Y>1?9*F?OFLNK7PJXZ(?:F\+P)FNJ]%/:JT,!DU+UR#F&U*BFQA*Y2.
MM!Z[J:EMV!9W4>\2("C:3+5&KE(_>-Y`Y>@F:R?*/YP]Z[CW'6&R]MRIK_UV
M=-517-:PHJ\V^QQ:6L;/IHR3UA:US[9*ORQ8]VLGNC1,Z(I@J]CY/CS=H<BS
MTZA.\2AI6,Y%NSPD.DEVNZ2=M)AT`]`.Y/\`E!I+VK\W]Y=87>]>DEW#MMO#
MC&6#='5^R$HYSZ(Z<E*-LO;-G&>,Y;6+LM'5IT1JUHF8J;N1KM;NVV9Z40-U
M%16(&PRVL8.G/B=H"D%TSLJ(]@3"3\\"IOG]J1#I[YR](3S=LPJUSE77=DSD
MO;'KECPJ?LZH9"X:Z<=%SDT=L`H`M[V7(8DBH/5X]2B^-QT'!`,F8C=&&?<>
MG\''H(@02E,W;)N3E,/>K*G_`#\=+_;?]'Z"R[<W1?-_'&Z^:^;4<#1^Y0>#
M*$4O;&*DU]Z3?$XU:7R7K/=+U7=E0V(@AV!<0>X=:LXR2EB)=2]RVO6IWU1C
MJVX<$`HJ.#U:73!3M"1L4HE(1I+P9$MO[OP])87<5&7%<X96.HRE[E=C.J-;
M?C)XUJUUT@EHE9MBDKG9W#5MM/@TC?;(P;@@TL%?MNA-A:]:IN%0,LV86;:D
MYJ[9"3<AP[:@?-%(!^02E.;J`1Q\8<?A]OZ#7Y5VX9DX0WKTX65EQ6BG"W"O
MH6KXJ-F3/'O2\7_A5[DV8TMNCG=W@'L7;O+TXA6:G.^RH^J\C?Z^YNCA!$JA
MP&.A5N-R=)+/)+E(+;M6AHD41[?BT3%#K#6JXUK3[>XU&=VY/<<6RG.]+-BN
MP)<ZY7P=K2_9@\#R>O73IUR(KQZXM&!B:6TM5#D@F=P\R3AQ"+@0LEJNKV_:
MEGUP\13(D8S"#O=<9\A*A2E'!?\`10J5K@Y`4TCB0A2)G[-=(^V4?M\?Z#F5
MV]V]A-8U>?W=L&._O8U=N390UP^6%U:SJJ=?9C9-,]$]$DGIFG3D;Y;VBI`]
MBUPGK*)NSLO:DMAVD)^W;=D5%"@"P3VQMA%G-CN%Q'^L1<OOT9NI1(7IT"T?
M+CQ7,Z'8*?27MJUY>TQPX;C+[U]G7;E2]O7??UWM^U2GP?#1$CEN5NG>[%2)
M-M*V@*!W*?S#T!ON^D60+W8)+IN*?K2::`U>"J7PZYE"H+E'M$.8H&,%NM?9
M,ZR7>VP::T/-OX:_@X6;=JO!ZU8\UH]?E>NCYIZ:LIH;%Y'7XP)Z[TE&:NA%
M3G3^>?(:R-`F`1$`%O*0FG]7OK)(3318!^5M-66HOTOR'2*;Y,C63Y1T7O,7
M[V[MW-Z;5V[#"QW_`-[G6+JT\)0Q<=V2FG^S=D8LUXQ*Y\VN5W_&GCU__F/9
M'XN<GYO:OS?WGI^D[V__`"#:O_\`/O\`_N9PCK_D=,B"5DY&5N!:@<.JNG]%
M1=4EA2`R@]!=[9ON^XL%C$4Z";P/9ZD*($`.T!VDO&7]'_25_=?=F1\N7W93
M5#VXN'&N7Y\F[-CK_P!3P7#GJ#46Y(TI%(?E;LN5<!\IT]AZ\T+.QIQ!0IB`
M#:@ZNU5(%(*8G*</%]3#V!*).R<%&DOVW_0/W%O]*3Q^]LR<_P#;T84X_FIQ
M\:7MU^;V:::/7C-JW?,X/2T\GI6#23`J9$M-:EUY3!<ID*!.LDOM1'?+DR[@
M@=53LCL/T@B*0(AT*#27C+\WV97]R]S9/_QO>,ZXK_Y3&HJU_P`YY*S7J_%P
M<./W>GD<X<>2I]E9MO#D0VDA.8Z\D.SE'WB#*]L5@-"2T/(U5L14Y^H%;QZ)
M4>@`D"9?S<=/^4RW\*Z?-#N/=5;XR^HUU]OR2C*M?]6"T_5T7`XQX_S+X2H6
M3D=R,LD2FGW*,0%HH=&!-#LF("9K#J?6^O;HZ4`@E#OEY15P(E`PJ"<3&,Z?
M\ID?POD6:1R^[-VNH2T4?,IIX?Y^-11:_P`KL<O'775NM5?C?IRJV)E<$:Q(
MVBX1*JJ\%;MH72][BM=:472[AQ\U+)MFS72:JA'2'0BI8U=J54@`4P"```%%
M+CIQ/3A]I;!A9=>?'#G=GP;<+<BV[*LKUX/R[,FRV=>JX/RW'5<S.66.C+.O
M6O:-LZO.*GL.I5^Z5QPNW=FB+'%M)5HE(,C]['RC,KI-0T?,1CCHJT>("FZ:
MK`"B*A#E`P0TGP:/!N6U[;O&++!W7!JR,1M/ILBI)27&,EK]V47QC):2B^,6
MGQ(WV/CGLYVU4UW`;_LH:'LPIQMUJ=R9R-MVI&5,.JDG5=<[R/8F%M91MJ;D
M&.?N+"G8IQNS=K*,)-FNFW[%7%\NKA]O$Y++[3WBR#VK%[HN_AJ[Y;:K5*W)
MC5^M71F>9&U1L7R3E>K[HPE)U75R4-)9145&047&PD+'LXF&AV#.*B8J.;(L
MX^,C(]NFT81[!FW(F@U9LVJ)$TDR%*0A"@4```#+G;T44XU-.-CU1ACUQ48Q
MBDHQC%:1C%+@DDDDEP2X'?P91@%C7G6&MMGQZ45LK7U)V#&-U`6;Q]VJL':6
M;98#%.5=LWFV+Y)NN0Y"F*<@%,4Q0$!Z@&0TGS1K=RV?:-YJC1N^UX^52GJH
MW5PL2?M2FFD_>C`)H#;''0Y5Z,2R;OT:D?M.]<R4HYG-T:P8]"%.KK6S3KQ1
MWM:IL_E5-`33KT\T2[P(Z0>D*SAB1QCRXQ.8>+O?:CZMM5VX]N+G1*3GEXZ]
MN/9-ZY-2Y^1;+SHK7RK;$J\=<%;BI?DO;8?95T@YJOZ+H\TTFM.Z[M4+/U>Q
M;!M\*Z0<QVZ-E52<)&2<7#U^3;]Y3J_)LDW""Z9)UVF5YZ,2CB^9ZO[I7$IO
M[OSL?=]PQK*NV\:Q3Q:+(3KLOM@TXY>17/IE&,)+7%HL@I)I9-B5GDQID?>J
M!2MFUI[3]@5B&MU:?G;K+Q,VR2>-TWC)8CJ.DV1SAW\;,Q+U,CAD];'2=LG*
M9%D%$U2%.$M)\&CK-RVO;MXQ+,#=,.N_$EHW&:36J>L9+QC.+TE"<6I0DE*+
M329AYOQYE&K<D6AR,Y&EKC,BK:'@5+;2G*D/&JG$0COGFZUVMLVQ=RB!4DWD
MU.2DF0I>T#GO!,<T=/\`E,T,.U;H15,>Z]V^DCJH0\VI],7^KYKH>19HN"E=
M=98EQZ]=6^_%\8]3-IUA:+-'V/:-AAUT'5?D=PW.U;21JSQL)C(2-1@KG*RU
M9J<T45#`:1CF3:05*($47.0I"E=*YOBS+3V=L<,FK,S*K<W*K:<)95MF2JVN
M4JH6RE75/_+KA&;7!R:22S)9ZO6KK7Y:IW&OPMKJ\\S5CIRN6.+934',,%NG
M>LI.*D4'+%\U4Z!U(H0Q1$`^3Y,MHGP?(W^9AXFXXM^#GXM=^';'IG79%3A*
M+YJ49)IKW-$47L6\XG3-:F(BR6>3XSS<FC5;C6+=.2%O/HZ7GG3%C3;O5;/8
M%WUK9:L/,&")FHEV]>L(,CYF^9%CHYE(E4I]W3]G^HXFRFSLC(P[Z,NZ?:%D
MU7;7;.5OT<IM1JNKLFY6+&ZOPK:I3G"E3KLK555=J<R\N=^,`8!@3D=Q_K'(
MS7+BG3#QU6[1#OVEMU9LJ%(0MNU-LZ"$SFH["J+T1(JVE8.0Z"JD!RI/F9UF
MB_:074*-914EH<SW9VOA]V;3/`OLE3FUR5N-D0_TN-D0XU7U/FI0ES6NDXN4
M):QDT:Z-NZR<>9_P_P!O\3MR)PFN.7^C)Z(;V=#N%5(.$VE!H/7>O-L5E(Q#
M/U-0[TJAW)FKDB:BK-G(O6H`H[8'`<;7FP<)<)K[?TGRC?=GGZR=A[]V1OZK
MQ.^]MMBK%H^B&3!-T9-:^]]+F5]73))N,++(<9U,_/*[YXV[:*EFX8<L62E%
MYI\>`-6[#%S9VS1;:U8@VS=-K<X8`,FE(3J,>9)>0!J"C9\S50E6ASMW*A&J
MJQO6$^$T1Z->I>=O+S/3[O>MXWJ%M7X<XST3R:X):6P\)34='/IUC.#C?!N$
MVH;D\S'WX8`P!@#`(5<T>??'3@K2BV;<UI[RS2S1PO2M7UP6TCL"[+("9/M1
M<0==`D?#)."]A>3>J-V")@['>&6$B1Z3LC!:R?$^>>H/J=VIZ;;<LSN#-US)
MQ;IQZ])7W-?LQU73!/@[)N,%RU<M(O5924/.MYZIR6VXS:M8\O?2-C.7V=:S
M?4UA/['>5Q<HD0L,@XDZF-P*LZCW`F!RY?0I72Q"+-8YN@=-<<2\ZSCKTQ/B
MVW1_F&]3%=OE.]4]K=NV_P"@QW5&=[K?*<G*KS=7%_>E.KJ:4H51BU(^]C>6
M!NF,J4I=N9OG+;Z0UI%D!]9R(2+[5E-9D,*W?(F>36U9BN+N7"9S)-0&)!3M
M'[M-(_4""=4M-9W/0G=O1SN&G!NW'U`]?]S6T0XV:2>-4N>JUGDRK;?*/X>O
M'11>NA'S5OE/Z`V5)IS_`!^XM7?;>OTEE)$-]\^-S;-U%&;&<$$OAG.N-2ZC
MIM<V/8X%^H(./2=C90+-RD/5`CQ,P`:JJB^,8:KVMG+;+Z(]K[O<LKM?LO)S
MMK3ZOK=ZR\C%C>_!T8V+57?9"7WO,OA3"2^ZK%SV,ZW\MW95,\(E5$N!?&\6
MZQ%?G?H3ARK<-T-"AW`*A!;6W?LFT-(QW^:8Z"[B`?D;''Y$3F$3AD5;7+I7
MY%Q_I/J^T^DN[[?T1PH]L[3H]?-PMJ=N6N7W,G,R+%%^,7*B:B_U7S)R:AX9
MZ+U#9/:&E#36S=R+(`@_WKNJ?>[1V\[+W::2A&5KL??$J3!4B10%A`MXF-*`
M`!&Y0``S(H13UYOVL^D;%Z?]M[%E_O6./9F;^UI+,RYO(RGX<++-?*B_V*8U
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MFLYZW4V(7W[&;2@T6VMJ,_@*)2D;\[V%W5D;5.0M3Y65LZ[:[I`_%-TP14:Q
MC)D7M&;'?NBCPDO:4VWL?)Q]A[KV?)SL>N6YPR()8],H4TJYW_B*J5C<K&KE
MUZ2@G&NNM:N#MG)DU!7)M"8V:UFD4W,EK>)H+:)<11W"#1>(L-AL",TNZ3E&
MJCM%52=!(S4I$3=E$1!?J?H2VG'7W'7O;)+>;]XAD)3GB1I47'5)QG.:FWU+
M5?/ITZ+E][CPL7V"MO=_]BOSG<^G/1GI3VD^CA]*>V#YP>T'VQ>B/279]/\`
MM<__`+-X;Q?8\9^9WG9_.R.GY>G4UO\`#,/X7_A[ZQ_4]'5]1T_-]5U^?]5T
M]7W_`*K_`!'3U:=?#70__];W\8!$M;CI94HA]6XNZP2,'=Z&RUCLLLC6'[V0
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M`H!SKQ,%8:]6G(K@H':!1B8@=@.R!?SNN-45K]4^6[9_+;Z1;<HNSMVS*M7Z
MUV1?+\\83A6]??#3APT-H^OM<T+4]0A:#K.GURATJO-2LX6L56)9PL-'HE^4
MPHLF*2*0KKGZG65,!E5E#"=0QCF$PY4DEHEP/LVU[3MFR8&/MFSX%6-M]4=(
M5UQ4(17N226KYM\V^+;9>>2;`8`P!@%-F(:'L,8]A)^*C9R&DD#-9&(F&+63
MC'[8X@)V[U@]27:ND#"`=2*$,4>GY,<S#?CT95-F/E40LQYK249)2C)>QQ::
M:]S1#Z.\NKA)"7EQL>M<<M?TZVNVZC1T[HR,M1HITU7_`%ENYJ]1E(6K+HO"
MB)5RG9""Y#F*IVBG,`T\N">JCQ.#J]*?3O&W*6[8?:>+CYTEHW2I4Q:?-.NJ
M4*VGXZPXIM/5-F>:5H/1NMY(TUK_`$WJVE3ATP26G:M0:M!3KDH$[L1=S4;%
MMY1XHH7_`$SJJG.<1$3"(B(Y912Y)'3;?VQVWM-WU&U[!A8^2UHYUTUPF_RS
MC%2?O;;;\3+62;P8`P"T[C0:+L2*]!;!I=3O4'WQ7'H:XUR'L\5WY/\`07]'
M3;-\T[XO]!NQV@_[<AI/FCPY^V;;NM'TVZ;?1DXVNO1;7&R.OMZ9IK7X%4@J
M]`5:,;PE9@X>NPS,!*TB(*,91$8U*8>HE;L(]!NU0`1_*!2!DZ:<C/C8N+A4
MPQ\/&KJQX\HPBHQ7Y(Q22_,5C!G&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`IDW"Q%EAI>NV",8S4#/QC^%FX:3;)/8V6B
M)5HJQDHR09KE.@[8OV2YTE4CE$BB9Q*("`X,.1CT9>/?B95,;,:V$H3A))QE
M&2:E&2?!J2;33X-/0AW2=OQ/'1X_T-O*UNDE*V@FZT1;9,DO8+%N'57;*UCX
M=NTCV\I8K?M35BXIQ$^DV1=.WC0\;+*=#R:B2%$^GY9?`X+;M^H[4G9VSW)F
MR3I6N';+JG9E8W*,$HJ5EN3C/2JY14I3BZ;WQN<8Y!7Y(K'15EX/C[R6L=1:
M$%61M2&M6-869-R!U452UKL.T4O=\X<A0$00BZL_<J=.B:9Q$`&>K_)>GV^)
MM)=VR<7?C=K;O;@QXRL6/&MI>WZ>^RK,G^2O&G)^";,K:[VIKW;$0O-Z]M<9
M96C)P5C+MFQEVDU79,4B+FA;76Y)%E8:G/(HJ%,JPDFK5XD`AVTB]<E-/DS=
M[5O6U;Y1+(VK-A=7%Z22U4ZY::]%E<DIU32YPLC&:\4BQ+/R4U9`3KRHPSZ=
MV9=(QUX2;IVH*Q-[.G*PJ5(CE4+J-29R,50Q*S-WJ9)MU'J._D3;%66422/#
MDN7-FLS.[MEQ<FS!Q[+<S<8/2=6+7/(G6^;\WRE*-/#BE=*#ER@I2:BX(<H]
MITB*ME)Y4:FEY+7N_M2,%(.PTO=U4N?'B!Y!:.D)`7=PTY)6S<U>HM04L$>^
M1/*T^3%^HS:3[<4N\,U?.!&DFM5)?>7MX:H^:]Y[UMU&=MW>FQWSQ>Y\&/1.
MK+KMP89N'*6MN+*W+A35UQ:=F+9UN,;HZ:N%DR,?*'56N_,TI50YK>79?V-=
MYN\=9&,>138[F+J-\75BW2ZIM3[7B95V5I`SC4Y'81+J2[^%D""NS.NM&.S.
M4*22M776_G1QW>6R[5ZP;=@^H?I3ND:O47:9Q<5K&JYN+?\`ALF,GI":^;RI
M6:TS756Y2IFYQJ;/G'YS=/;-VVP/*WAK6\;H^CWCVB[0B"$>2B0E$T@1*%G]
M@(),5$TS]0(8R)E#`)%0#H09Z[O&HS5^H_\`,!@0A#=/1FN^Q+I;IR(\9+];
MY)WI+GRX:\I>!-K@%YC>NN<4/:J\YK+_`$QR%UF_?QNT]!6R0.XLU;%A(GBS
MS$4X>15?>S<*F]`&SP3,6SJ+?CX=TD0#MEG-Z[%-/AI)>!]$],/5C:?4?'S<
M6>'+;^Z<.4HY.%;+6ROIET]<6XP<X:_+/Y(RKG\DXK6$I[&<R'U@8!HLYV^;
MPC0[9/\`&/A+$16Y.2+-"60N5V>.8Y+4.AVL2/<6&<N%CE';&N+O*F)NKY5X
MZ;0<.H']_<F.0[,V"=VCZ8<9?U'YM]2O76.V9V5V=Z=T0W#NV*DK;FX_2X:C
MPG.VR35;=7Z[G*--3_TLVTZW#?@KQ*V_:[HORUE=/LN9.^+@_1EXWE3RLOLM
MK70L"\3;D51G-(:M-0;;M'94.P#L)1%@?0U<CQ331&%19-T0<.*5P;?7IK+V
MOE\/$X'TV[&W[-W"7?-VPQW_`+ER)*4=RW*Z6/A0>FJGAX_D6Y.1&/!57SJH
MKT4?IXUQCU3W6AH?F=L$3J[8YH):ZC7ARBYI_%7351IPM6Y#=09%V3NE3=5H
M='.``*CIHSB%3"'0I2%$2CGZ9OG/3\GV9^AOX:]0-TU>]^H*Q*9<ZMMQ*JM%
M[/J,MY=C]\HPJ?L27`N2F\#N/M=M$+?;>TV!OC85=<"]@;IR+V?>=TO(%_W1
M4BR5:K=SFGU!J4FD!1%-S$P[%=/M"!#@4"@!5Q3U?%^_B>O`]-.U\3-Q]SSX
M96Y[I4]86YV1=EN$M-.JNNV;IJDO"554)+P?(F5ESOQ@#`-?L[R*TOQ@V#RN
MV3OB]L-=TA?9^F*RE/R+";DFYYR4T?77;"/!O`1DL^!1PWC%S`84N[`$QZF`
M1#K5R4>,GP.?[G[K[>[.VV&[]R[E'$VYVJM3E&<EUR3<8Z0C)\5%^&G#F9<U
MCS4XT[KU3L+=6H=EM-AZ[U?Z52N,S!0MC;K,7T1"(6%S%MXZ<B(A^_D58UVB
M9$B*9P5.J4@&[0B`%.,DVGJD:O9_4+M#N'9-T[AV+=XY6U8?5YLX0L33C!3<
M5&<8RE)Q:T23U;2YGQ"<I$YEHT;>Q#<S2[25UN=/B->K-];$F)8E&D;)'SU@
MC[8YV0UU8ZC(Y6LK$=(DL!GS==1,G<&(JBJHZO\`)>I&/WFLB$(?PYN$=QGD
M6U1H:Q^J7DRLC.<;7>L9QBZVI)7]<6TNEJ49.HAR89KHZUFHS46V9BB;6=ZX
M9U78<>?4Y8,5=E^C1CA>UM_M5CL\A*ZG('5F.YKZYF39FZ<`"C=`RN.KEP>C
M,W\7URCM&13L6=9MN;*A5WQ^FZ/\1T].M<LE9'R=3=NE#Z(PG/C&+D28RQUY
M_]?W\8`P!@$:-=_S/\E?J;Q[_8]H8)?)$E\$#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`,.[$X_Z<VO)LYR]T2*F)YDU&.)8&J\E`6!W"*`J#BL2T[7'T1+3E/?
M=^?Q,,]6<1;KM?IFY\AQ3YHT&Z]K[!O=U>3N>V0LR8QZ>M.4)N''6N4ZW&4Z
MGJ^JJ;E7+]:+,A5>IU6CP;&L4JLU^H5J+3%&,KU7AHZOP<<D(B84F,3$MFC!
MHF)AZ]E-,H=<E)+@EP-KA8.%MV-7A[?AU48D%I&%<(PA%>Q1BE%?!%P8/405
MY#<`=/[E1<VC7;J7XP[W036&$W_Q^45US?.VJHDX-%W=6GNZTIL>HNW3=,SB
M-D5^T(`;PZ[90YE!I*M2Y<)>U'S;NKTPV'N",\S:IV;-W*D^C-PM:+N/'IN=
M3K\^IM+JKLE[>B4&VR-L_HGF)KL8E/?'-/DGM_1["O1\;+V3C=1M5ZLV+59!
MFBJV?6"]0$1K^_;8NU8=-A*HJ_K5@--LUR%,I'.$Q</25Z9K3JFVO=H<EE=M
M=^[5Y"[E]0MWS^W(U1C*S`IQL:^N26CG="-%V3=6UQ<\>_SHM)NJ:Z[%"[D;
MY4VVI"X07//R_P#EM9;MN"N1#>U4P+J]K%GF=F,6;410CF^Z(=*+1NX2<1WD
M:1*U-90)%F=-B[DB-4B%)CE4]?,KG\WV\?TGSWNST3WRW/QO4STO[YNR-^JK
M5E7G.NR>0DN$5EQZ5=U1UK2R8V=<&J[+E"*2D-QN\\OCK:0BM:<NXNU<2N0<
M4W;15WA-B5*>BJ"K9DB'([6B)HY'TK5H]V"/?]U86\>5H*@(`Y="4%E+1OB^
M$^$CJNTOYC^U,WR-H[ZINV/NF"4;H7U3C2[/%QGQE7%Z:Z7QATZ]/7/3J=A>
M8;YD-YV9-Q7"+RR7K?=6_P#:,&HYM^S=82\5.0&M:-(,4%SGKMW:OAJK.>DH
MY\4[F:.[*T@FRI`(H$@ND9HLL;^2KC)FL]5/5K<MXR*?3KT>L6X]SYM>MN1C
MRC.&/3))_AW)^6IRBTY6N733%K1^;*/1<?E[^3+!:$I$,MRDEZSM*Q$E65L6
MU56F2I-3EMC-R=Y$V'8[F012E]V66LE4[F+2E"I5R&[2QV<:9VNO(+JZ5%+J
M>O\`5_>>OTM_E_QNV=NQY=YWTYN6IJUXU:?TWFIZQG>Y)2R[*^5:L2HJ^9UT
MN<I6RWP%*4A2D(4"E*`%*4H`4I2E#H!2@'0```#Y`S.?I9)):+D?N`,`8!BW
M9FZ-:ZB:L3WBT,F$O-J>%JM.8%5FK]>),Q@32AJ)18@CRU7&85./ZO'M'!R$
M`RBG82(<Y8;2YFFWCN#:-BA6]QS(QOL>E=4=9W72\(4TQULMD_V81DTM6](I
MM8XJD#NC9UDB;YL]])ZCI4)(I2U.T=5)U,+-)KM^\%E+[UO-?=J-Y%4.T4Y:
ME!.30:!P,60?39#D2:PM7Q?!>S])J<+%[@WC+HW/>+)X.W5S4JL.N?XDFN4L
MRZ#TD_'Z:F3I3U5MF2FHPUW<WN%5HYZ1'*72%1NT!0I5IOW0%Z-.6./D9*/.
MT@=`M(Y9@5O&"5R#AP>=(8IO]$`3'K^4,K9!SCTIG,^L?I[F>IG:-7;F#N-6
M+?',KNZ[(RE'2$;(N.D>.KZU^8R#Y;?EY;&X'\<MSZ>D]B:\OMHV-<I.VP<L
MI59EY3F?BZ;!UI*+L]?>OX]Y,1RZ\2;Q*:3A+O&ZHE`P&R*ZW7&2U3U-'Z2>
ME>[>FG:?<&PW;KBY69EY$K82\N;J6M4*U&R#E%RBW'YDI+6+TU+WKG#F]HUP
M[&T5;2D[4FNS+A:XKBU-3]EL6@FD?-2>PQC)6-EY>A.%*U*QT;<FI&T.QK!:
MXV2C@$C,L@X/(I2H/Q2TUY>!L<3L'<XXCKS,+;K<&.9;;';ISLLPE&<K^F49
M2I?ERC&V*C5#'\B*KX5JV;MC**BZ4L4"\TD%JM32Q1.EJ1.,HI@DU=)E7V#/
MMT:^VL3?QBSIPWCJ+K]62@8@5EW+Y9E-.1=JJK`"I[)-=.KY'9[;V]EXUG;J
MS<V-M&WXTU&.CXWS2@K%JVU&FCS*:M92FX6S\R3EQ<D,L=:?_]#W\8`P!@$:
M-=_S/\E?J;Q[_8]H8)?)$E\$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
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M1<IJ/-/V&>EIRX6F4776(RJU`KCE^:8MDV"LBOW43!L2NWS]^X[*:;ARH7K6
M,(5IM<#1=M]D^GWI%@;GF;3BQPZ,BR/7.<IVV2;>E=-;EU6S^9Z54PZISG+@
MIS:,N1^VM]RZ(3T=QC>I5-\IVX1G.;3KM>V@K'=XJD20L%#D80E?K*CT"D<(
M,SV-=Z1JIT=I-'93M"VUE^R;VK?.YKX_4U=G26#)_(IY-<,AQXKJG3*'17KP
MDHN]S47\\833K51+NK9GYI5.(7(3M]0*<R-HXHJ(=>[[9E$CJ\FFZQT.W^84
M3)D.(_*)`#\C5_L/^C])E7<.\<$^Q-TU]UFVZ?#_`.H)Z>')/W')[:=D?"-R
M%]9>*/XG,:O]E_T?I+?Q!NW_`.#;K_[S;?\`[@=1QMW=DF'@*MQ1V%%RZY^P
MWD]K['T75Z(U`"%,9:7E]9;*W5=D2=3="%:5QX8QBCVNP'0PM9>$/ZO[S'/?
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M7I^"7R1)?!`P!@#`/__1]_&`1PV)MBP5391*X:28U6F1=;IECF+)):AV5L1B
M]"QV2XQ4NT?6VGS<-6-7L:_'59%9:2F@7:$(_P"_4`B+93MB3M:[VQ:;7<8V
M.EXFOMJS=X/:-FI*D8M(C,QD/K"^UFE)_.-1V!F<HZNC"W-)4@-TF7H@Q5&1
MP>B`.Q#0INN_YG^2OU-X]_L>T,!\D27P0,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`P;;...G[9-O;;\UCT^^2';%[L76,U.:MV!('$>VGZ:M^OY
M&NS-F:(K!VP9RBKUB<W4%$3E.<IJN*?'3B<YG=I;#G9-F=]%Y&YSYWX\YXU\
MO\^VB5<[$GQZ;'.#\8M-I]:F\?*Y7;BAL6W6R\[DV!$H.H^HVW:KNLR#J@0S
MULBT>Q=&@ZC5J;4*ZO)(IB5]*IQHSTDF?NGC]P@1)),HZ/5MMF/;^UL3$SX[
MMG9V3N&Z03C5;DNN3H@TDXTPJKJJK<E]^Q5^=8GTV6RBHI9[RQTXP!@#`&`,
M`8!&C47V\\M/KEJC^"]/P2^2)+X(&`,`8!__TO?Q@&-;EJ>HWN23D;`-A,4[
M%I$S$5&6JQ0L':8>/?KRC&&M4/$R3-E.12#]TJ8Z*Q1(Y066:N.]9N%VZH'S
M5]24NH6:0MD*A,A*/OG.#=&0LM@EHF$3NUC1M]Q1KL/)2+J.A$;+:&R3QR5!
M,H=M)--/L()II%`QIKO^9_DK]3>/?['M#!+Y(DO@@8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(T:B^WGEI]<M4?P7I^"7R1
M)?!`P!@#`/_3]_&`,`8!&C7?\S_)7ZF\>_V/:&"7R1)?!`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`1HU%]O/+3ZY:H_@O3
M\$ODB2^"!@#`&`?_U/?Q@#`&`1HUW_,_R5^IO'O]CVA@E\D27P0,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$:-1?;SRT^N6
MJ/X+T_!+Y(DO@@8`P!@'_]7W\8`P"%^D[@[F-KEC_GU,V"==P>^76X*DZL;F
M:946U5K<%2@]<PP5U5=PQU^V95M_,LHKP:3(EECV8OE322B(/`$LM6Y;/N.A
M=\[GO4QQ[W'=:#>@XS4&KW6CR>B@B9*W3EAE:%%1`1]XW72+.@9W=-C1D<*Z
MD>5LBHH=951-J3OQ#FD9C]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#X
MCV[;2^"[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$
M>W;:7P7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#XC
MV[;2^"[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$M
MJZ<I[?KRG6R_W#A_R7AZE1JS/7"TRWI[B3(>BZY68MU-3<CX"+Y4/9-[X*,9
M*J]RW1674[/93(<X@40T]Y<OMVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C
M@?$>W;:7P7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<
M#XCV[;2^"[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@
M?$>W;:7P7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#
MXCV[;2^"[DOZU<.OQ8X'Q*-8^2]ZJ5>GK58.'/)>/@:S#2E@FW_SBXB.O!1$
M,Q7D9)WX5ERK<O7/AF38Y^[1345/V>A"F,(`(:>\[L;R'V-+QS"5C^&G)=PP
MDV3608K_`#FX?I=^S>H$<MENZ7Y7)K)]XBH4W9.4I@Z]!`!^3`T]YW/;MM+X
M+N2_K5PZ_%C@?$>W;:7P7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!
M=R7]:N'7XL<#XCV[;2^"[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+
MN2_K5PZ_%C@?$>W;:7P7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=
MR7]:N'7XL<#XCV[;2^"[DOZU<.OQ8X'Q*-8^2]ZJ5>GK58.'/)>/@:S#2E@F
MW_SBXB.O!1$,Q7D9)WX5ERK<O7/AF38Y^[1345/V>A"F,(`(:>\[L;R'V-+Q
MS"5C^&G)=PPDV3608K_.;A^EW[-Z@1RV6[I?E<FLGWB*A3=DY2F#KT$`'Y,#
M3WG<]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#XCV[;2^"[DOZU<.OQ8
MX'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$>W;:7P7<E_6KAU^+'
M`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#XCV[;2^"[DOZU<.OQ8X
M'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$Z<ER'V-$1S^5D.&G)=
MNPC&3J0?+_.;A^KW#-D@=RY6[I#E<HLIW:*9C=DA3&'IT`!'Y,#3WG2KG)>]
M6VO0-JK_``YY+R$#9H:+L$(_^<7$1KXV(F6*$C&N_"O>5;9ZV\2R<D/W:R::
MI.UT.4I@$`#3WE9]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#XCV[;2^
M"[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$>W;:7P
M7<E_6KAU^+'`^(]NVTO@NY+^M7#K\6.!\1[=MI?!=R7]:N'7XL<#XCV[;2^"
M[DOZU<.OQ8X'Q'MVVE\%W)?UJX=?BQP/B/;MM+X+N2_K5PZ_%C@?$Z<ER'V-
M$1S^5D.&G)=NPC&3J0?+_.;A^KW#-D@=RY6[I#E<HLIW:*9C=DA3&'IT`!'Y
M,#3WG2KG)>]6VO0-JK_#GDO(0-FAHNP0C_YQ<1&OC8B98H2,:[\*]Y5MGK;Q
M+)R0_=K)IJD[70Y2F`0`-/><W'TM\DMC\C+K<]2WG4K*YVS7SNLQM\D]9R<I
M+,H365?KTB]1/J_8>QX=%%&4C5"=%79%!`0'L?EZ`^2)58(&`,`8!__6]_&`
M,`8!:MRI=?OL0S@[,U5>1S&U42Z-D473AF<E@UO=Z]L2I.A5:J)*'28VJK,E
MSI"(IKD3%-0#)G,40+JP!@#`&`,`8`P!@#`&`,`M6]TNO[(I%RUW;6JKZJWV
MJV&EV9B@Z<,5GE?M,0\@YEJB]:*(NV:KB.?*$*JD<JB8CVBB`@`X!=6`,`8`
MP!@#`&`,`8`P!@#`+;N54A[Y4+71K"1VI`7.MSE4G$V#]Y%/E(>Q1;J(DR,I
M2/6;OXUV9D\.":Z"A%D3]#D,4P`(`5QHT;,&K9BR02:LV3=%HT;($!-%NV;I
ME10013+T*1)%(@%*`?(`!@'8P!@#`&`,`8`P!@#`&`,`H=GKD3<*U8:E/('=
M0=I@Y:N3+9-=9LHXB9M@XC)%!-RW.FNW.JS='*!R&*<@CU`0$`P#O1<:TAXR
M.B&!#),8IBTC621CG5,FT8MTVS8AE%!,HH8B*0`)C"(C^4<`[V`,`8`P!@#`
M&`,`8`P!@'1E(UI,1DC$/R&58RK%W&O4BG.D91H^;J-G)"J)B51,QT51`#%$
M!#\H8!T:Q7(FGUJO5*!0.U@ZM!Q-<AFRBZSE1O$PC!O&1R"CEP=1=P=)FU(4
M3G,8YQ#J(B(C@%<P!@#`&`,`8`P!@#`&`,`Z,I&M)B,D8A^0RK&58NXUZD4Y
MTC*-'S=1LY(51,2J)F.BJ(`8H@(?E#`.C6*Y$T^M5ZI0*!VL'5H.)KD,V476
M<J-XF$8-XR.04<N#J+N#I,VI"B<YC'.(=1$1$<`KF`,`8`P!@'__U_?Q@#`-
M-/G'6*VUJC:#>1^ZH/6U#4OFPR;`H4GR(M?$^0V\='3]P=4EG#[UJ+520B3Z
M^M2"4^K!G613L)6A4"E65331/#+1\2*M$WURVVUQ%BM@LK#<C[AXF^5+8-O6
M1VFZE$IB[<HM]ZPEU=.2-AB0;F1M5OH^FJ(]LBK%=-8%I6[1RIB`L4`*)T6O
MN;(EUGE9R$J&C^7E&X[;!Y&;IT8_JO&-\ARAJMGNO(ZR\?9.T\2)#:W+>7A+
M\M+3T]$V26M;*((BF+M*.IDU9GT@0K;P2<><3HN#9Z)/+FV'/;6X$<.+_:E[
MR^M-@XW:@/:)K9!)8;E:;)'4F'B)^Z2KZ=7=2T\C=Y:/6EV<JNJH>78O47O:
M,#@!&2CYLFA@@8`P!@#`&`,`8!KT\T>4N<+PYN\G2MPPVD73>WZK"P6N<O\`
M+ZC;3-.<;(K+6T:_:[@@6CR4U1)[!BUSQ+:>3*F5FJZ`%%FZ9SKIB5S-;7`+
M;VZ-[U'0>@)BUV8\&UYC<HMO)6%GMJS;477X:\5=C)1>M*8WW6^!.:VU3YKD
M#9H.OM):07*%CJ]?D$SI*H]XF2"ST6K]QKPH^[^3-[UULI"#Y<7*I;4O?$7;
MFRN8$Y>.1&R8&M<;]\T;G[#4JK%"0KRLM-<:7(ZL;2-90C81A'(N:\R3<*-#
ME14>&$Z+V>)O^\J?94E?=-[G@9*7D[J.I>2^QM7-=K^WC:G(NF;7:P<)39%*
MV:YV)N2QVNXEK+;TQZ.7CR2#R/:2K)V*"PF4533(K+F;0<DJ,`8`P!@#`&`,
M`8!"#S(Y*]P_!WD3)ZTW%$Z"N;.F,U8O;,W-RE7859M\YX$LXF-MA6$G+4YY
M8H`SJ*:S3=$58=T^3>%,F*'>%,F/-<#4%P\W!N#:VG[+QF:VFQH0NX/,>LNK
MM23\7OZU;VE:7Q/U-5:)NSD!&U;D9('5GK[68YO#OJ4QG#.5A1F;81LW<+)M
M2"2"S]ON(>VOEERQI,]N^[:LW!LJV<CI"D>;>;DUJ=78<Y<8;C[`:*OM0KO%
M^VU?4<F[>P&K%::PE3&AG:$<@:<;J*F6%R"AQ$3HN'LX&W7R>-ENK6GR;H2E
MJG+^UU[.:3E$KRPY27GEKJ.7?;+U8A;92/H.Q=EQ#6YQMOBUQ*I<8P[UW'I3
M#LJK)%BDL+8I%9>#-U.25&`,`8`P!@#`&`,`C%S4=W)AQ'Y(/M>[0B=*71EI
MJ_/*[MJ=%ZE#Z]D&U>>KEM$B\C&$I)13:+3(8YGS=JY78?K*:2AT@((E<T:!
M>(F\MX7'4_)_CU`7ZPNHC=O)7CMQJX\7*#Y)VSDTO45MEZ)@=B\N[!0^1<MX
MJQ2[BDZSB)RVE(D<B%?L;X62*J9@*L:"S2X,K&O=A[2N'F&/M72.[]MHW"Z\
MR>=/'/:NG(?>%Z@F]&X.T?CE"2.A[K7:7&6"/-JA[#.W[.9@KO%I,)=W/S;C
MI(.5#D(D'AR-AOE1QD_967*+?L?M+>UYT#M7=*M-XNP6[-X;.WF9IJ;19)6A
M2.T:[.[/M%FE(U+=.QU9N0[I$Y"'BV4;U$X$)V2(EX+3B;<LDJ,`8`P!@#`&
M`,`8!BG?"UB;:.W,XJ%SCM<6UOJG8BU7V',,U9&)H=B2J$P>$N<I'HM'ZSZ.
MJ\D5)\NB1!8RJ2!B@F<1[(@N:/,?PKY'\AF>M^8>MJYM!W>Y#8%1X2:4T;>V
M_)6X<IXMORTY,UJPT[8^SZSLRS)J2<*9-D/M)G:P4_<5IK'`02-5EU$,@R-<
MN!=UOVOM[6O.D],K.]-OM=J4#FSJWCC4=(!L6R75HIP";\'9VZ6C9QM$OWZL
M-L&93L<62?<6=TP=.U)]$J'B`Z%2P1PTU+]\E#=.T;ANM>M;`W5<=G-MA<*Z
M1O)!LYW1?-[1\G/CN&R5*4OVW$KY:+,AQLWM+Q*T>S4H%=6<0'@FJZA'*BK(
M4TB$E[O$]+>24&`,`8`P!@#`&`,`A!YD<E>X?@[R)D]:;BB=!7-G3&:L7MF;
MFY2KL*LV^<\"6<3&VPK"3EJ<\L4`9U%-9INB*L.Z?)O"F3%#O"F3'FN!J"X>
M;@W!M;3]EXS-;38T(7<'F/675VI)^+W]:M[2M+XGZFJM$W9R`C:MR,D#JSU]
MK,<WAWU*8SAG*PHS-L(V;N%DVI!)!9^WW$:&6^>2\KLK:B=.Y86:B;TNE3\W
M!GRH97;9=KL>O.+%=T1=JK#<6[>AK=,TRVTA&0;9[X*-G(V(*\>-'JSOH[.`
M]1.B]G#@;+O)<V1LZ[>^%`SMB>VO3U%V7J!AJ:6/R%L'*V&:S]AT94;-MV)K
MN^K,HM)VMFK9Y)K+NF('%O"R<PY9I=03$YR*R\/:;Q<DJ,`8`P#_T/?Q@#`,
M-;V^@I/L:^DU7^W;Z"_OAM_H?[S?ZK_SG8P"_P"`_7K#]&?UR+_<'Z]]'HCZ
M0_YS_"_[.\/@&)]-_9))?8#^NW+[&_LD_6GG[R_SO^N?[7O,$LS+7/H]`_N;
M]S1?T<^CWZBA^X?]C?X7^P[.""LX`P!@#`&`,`8`P"QMF?9]<?H-]'Y+[3/L
M^_5S?3'_`'?_`,3_`&?7`*-KK]0K?V6_0:+^SK]0_77'T;_W&_PO]MV\`M.E
M_O[?GV`_OD/H7^_OW*Z^WS_;/_[+MX)+LTI]EE,^RW]V*?8I]EGZ\[^AG^S/
M_P`W]OWF"#*6`,`8`P!@#`&`,`8!;]L^BUE^C_T?F?I9]%OW<Y^DO^[_`/C/
M\MV\`QGJ?Z*:N^Q/Z)S?V3_13];BOLN_W3_QW]MW&"6<-5^U;<'V&_J5;^BO
MVK?ND/M@_P`E_JW_`"F!["IZ-^SQA]D'[SG/L-^SS]ZNOU#_`&G_`([_`#?;
MP&9?P0,`8`P!@#`&`,`8!TY']WO_`-2_4G7[Q_=_]0?]?_R7_>__`*.N`8-T
M]]$J%]@/ZY8OL>^B7ZLX^@7^<_UC_9]O!+.Y'_;A>OL-^@$/^[_MP_6"_3K_
M`'`_P?\`:=,#V&3*;]%X7Z,_J1/H;]%_],_[E_R7_9_]>N""YL`8`P!@#`&`
M,`8`P!@$=-0?1.&_ET^TRR?9!]$_U::_<W_W,_UE_9>)P25]7[?F_P!B?V<F
M_K?M^_>Z_P"K_P#VY_[?\YVL#P.'3O[WVQ]AOT_=_8[^]_U5+[6/]_\`_OO[
M+LX!G+!`P!@#`&`,`8`P!@%OVSZ+67Z/_1^9^EGT6_=SGZ2_[O\`^,_RW;P#
M&>I_HIJ[[$_HG-_9/]%/UN*^R[_=/_'?VW<8)9TZ[]IVY_L'_=D!]'?M._<P
M_;/_`+,_P'^2P/85G1?V;P_V0?US[["_LW_63_N?^V_[_P#M>N`S+^"!@#`&
#`?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>g90582g68a60.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g68a60.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0>D4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````&0```/`````&`&<`-@`X
M`&$`-@`P`````0`````````````````````````!``````````````#P````
M&0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!0<````!````<`````P`
M``%0```/P```!.L`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``,`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T2K$R;7/;FW7;Q,.J=Z=1!)CTO2#+6[?W+WV/9_I;D[Z;,>RJNO,N
M#KG%M;;6BVLD#U7"QP:R[^;K?L_6:UH*KG^MLK]#;ZWJ#T]^[;,.W3Z7N^AO
M24K'R,GUOLV74&6;=S+6&:W@0U^V?TE5C9_FK/\`K5U_Z7TQ=0Z@ZCT&XQKL
M>_*KQ[6N=J`X>I8UH;_A_1_2,8Y#Q/M/VVO]H>IZVQWI?S?V?=/O]'9^L^KZ
M?_<C_!_S7^$61TO_`)N^A^F^U;?4=Z7V_=ZGJ[G;/3C]/]LW_P!"]7]>_G/L
MGZ?[6DIW[LC!LO-(<R_,Q!Z[<5CV^J"6N8QWI.?7]-KW;/6_1K*QOK47MIR,
MW%^Q8=^-]I;:ZSU'R;68U=#<?'98ZQ[O6HW;'_X:NM1M_P";7JF/M/VN6QM^
MU?:=VS\V?UCUOLO\[_AOLO\`.?HE*O\`YF^D?Z/Z<CT_5GS]+[#ZW^!W[_0^
MQ?H?M/J^C^L>HDIT>N9]G3^FORZF[WLLI:&R&@[[:J7-+W![6;FV?33LPL7*
MLLRGVNRJKB'5L+R:F@-;7MKK:[T7L<YGJ;G,W_I+/TGI[$;!^R_9*OLG\Q'L
MG=N_E>IZOZ7UM_\`/>M^F]7^=_2*PDIQ,F[IV#]JM=4:'8MC&M^S>Q[F.8R[
M>]KG5TV,_G_I^S]#_IOT:,[ZQ8#O;07V.L/I4O\`3?Z9OASOLECPW]!=[?=Z
M_I?35\_9/7?/I^OMK]3C=LW6?9]_YVSU?6]'_A/41DE.1C]<>QN-7GX>3CVV
MU[KKC5^A8X-;O]2YC[&U[[#MJ9_.+3HR,?)K%N/8VVL\/80X:>;41))34=U3
M$9E78UKQ4^EM;O<0"X6[Q7Z3)]1^YU3Z_H^^SZ"I/ZW;DVTLZ/4S-#JVW7DV
M!A8VPM]%CFN]S7/8;+7_`$_1]'^8_6*EJN]'U&;MOJP=DQNC\_9^=_63LV0=
MD1)G;XS[N/SDE/\`_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`!D`\`,!$0`"$0$#$0'_W0`$`![_Q`!J``$`
M`@(#`0$`````````````!0<&"`0)"@,!`0$`````````````````````$``!
M!0$!`0`!!`("`04````$`@,%!@<!"``)$1(3%"$5,18702(E)Q@1`0``````
M``````````````#_V@`,`P$``A$#$0`_`/94!Z+UW7)*TC>:\4A;!3ZK<])S
M,_7MDT3N<5`K0<BT*RY=HD-6:=6ZO?\`1["#7+K4)`#^Z:#!AG.#]=$>?$4T
M2Z$HQ#^\RQ"W"=&\BU\_L<2H$-C%]EN`B99;:%!M%R3F]T9Y<<.]^Y#CB!$N
MO)_1:4-=_5'P14<K\AT.1%=EV?&&BB<3&IFT1Q&X8N0I?#6$R[T4X2+O32$J
MCOY5C-O(5U+W$H6OJ>]<X$D'Z-UJJPDC,[CY+UFG`P[S?).;QR4KWIB(2&X\
MH?\`V$15,[6'OMF;2YU'>L1M$*,2VO\`>IE*$.=0%S9CN>0[*JQ#YEH-;MDM
M3#`HV]5<,W^K=\^EI$%N3`A-%HDF@&Y9]/&1KR"6P9D$$M8[B7.-_L4E70M?
MX'P0UCL4%4*]/6RT2P$#6:O#2EBL4[*$-AQD+!0@+\E+RTB6[U+0H$='C.//
M.*[Q*&T=5W_'/@A\]T&EZO1:CIF<V2,N%#OE>BK54;/#O=?C)R`FPVCHV1$6
MM+;J4$#/)[U#B4.M*_5"TI6E2>!R;O6G+I2[?3FK%9*@[;*O/UINVTV13#V^
MKN3L27%HL55EE,$IB[)"**X2"1UMSC!32%_M5^W].A%YA0Q\OSVHY^-8[G<$
M52$$B7+7H=NLE[NMC*93U9LU9+7;96:GI62DC'''5?RDK;9XKC+*6V&VVT!D
MTQ/P5>;!>GYJ(@V927C("-=F)(.,;D9V;+;`AH4%PUYA)<O+G.I9%&;ZIXAU
M7$(2I7><^"6^!\%0'ZV,!OM5PAV$7PRUX_?];"L;LY"BH4-G]TS6G2<(!6B"
M6[%-K;=TL1\LX-ET*+XH9HQ;3L@"EX*6].SOH\>]X93,FF'J!DVB&7"M:WL=
M4R<[9M3S^W+-HO<B"J];<<DJA3:G;&7+(W.W"PP%DAJ^H4%)(C#1BY$,/QWQ
MRW/J'>TKU'[)T@IH>.&)):W4G"DR#<=UY2%$1WDRO^>884@MQ[]2'1!AG7_V
M)2I74<ZGH0EC\D><*XN`CK%L'J2K'7:<Y3Z<F6_)![DBSK%;"8>8G!X"L#RW
MIG]DY9.PL"<<V$RV^ZH8%]WK:FVG.\"?;\Z;'G@HY&(>J]2>=C'BBF:'Z.:A
M=[SNP=(C10%B3EF-CZWZ%!=0H/CP9`EW_J!%NN//1Y[?5"K#:^!?F2H2')L4
M<'$3Y$6`]-Q4?(+EX^-EW16ER(`,JX''.208AG5MM/J'84\A/%];1WO[>!+?
M!6$'KM.L6O:-B46\:]=LLI.6WRW)4.VF+%B-?E-.BZB*.7_84^]*?ORB1>);
MZRAMIAX925K4XM+06?\``^!\#X'P/@?!7M5US*+U9;A2Z1IV>W*XYZ;R-OU3
MJMTK=ALM'D5+6VF/N$%$21DI6C5.-*3QHUIASJD]Y^GZ\[\'_]#VX3F&O5RP
M6?1L%E(S-]!M*S)*T0DF+,2F0Z+//CO<_P!Y=:#$S4*,#<C"/XOY[/$J$FR$
M,-(.7(C,-B?!?H"CE`A*DVA&))0@ZI%D!]XH%D[K*.EM!$D#AD$"-D?NXVXM
MII:T<YU2$][U/`Y?P:\0NS3KOJ._>?++6`H:)"QK/M@RFW,'&ONZ`'(6JZTW
M6H1\0@`40*4RN6CJTZ2@=XE*@[8`M2DK6IM`2VO^<\FVYR-E;E7R@;Q7HZ2C
M*;K-'FI?/]DH0DNIAR4&H^JTXR'N];CY5X1E1P3!O(^1XRA!C!#?/V?!3^)W
M[7<YU3_\N^BK8-I5@E*=,Z#@V]=C*I59C:*33CZ["Z+`:+3:DS$5^O[#F<E;
MX9\U^(BHJOV"*FF"8T1AT*6%"#:6]7VBY?4;!H&F72IYW0JE%E3=JN]ZL</4
M:C684%OKQLO8+)/F1\-#18;*>K=()>;:;3S]5*YSX-*O>5RS2_?C\UJ]AVN.
MN6$6RD4ZQ6J[9W+5NUP<_P"?I:WU,S3;+7)U+TC4YFOE9(]*$\,ZXZ`L3]SG
M5]:_57P6)X9A.0WGMLT5#/(&][AZSV.D$"DH+"D\TW3UAMFS9=.1SC;KK;47
M/YW?(LT5E/4I''(0UQ*.(_8D,`AORH_CBG-(M>1#^T_/$?HU*N\EFUAK%ET>
M#IY+%ZB)%N&/K,<9;'X6,GY)F9=2&GD>^4ETOO\`"A2G>=3\&BOYS:3Z!F_+
MMDG*)ZETNC9%H-R\WX[+Y/E.:9](R$EW3]RI=2?L[FF&TR\7L=B0-FP&$,`M
MC@_Q]4@GA##[C?P<#\HOD5E$+Y2U6]>G_0=@KM6_(UXIG-%7>=W<S.`AZK.7
M[N2=*H4;C<?D@]3M;L]?8U:3(1L<\1OA!2'&$\)?X&_%8]6<C_?:_P`>U4SV
M;EH2@^50/0=RUFQZ!8K+-1+]GT(JG5"L/-64>=EIA@U$68XN0D9SAA+JN-AC
M/L@2+PP;^_!T#>]7XF0_*UXN;OLEIT-F&>Y%,6"81/P^DV#(+?-:9.:!08JK
M^?(#)J\?:3O5_P#?C16YZ0?(_@BJ>>`*RA+TPI!0=U67ZQ`ZY&R<U6*YI\)#
MQI_(KA6H9+I.+R4@>AA!!:(RH:[6*3>B0`VGVO\`Y#L6B-(6YUL8A]QDE#(6
M?\&E7O<[M1PV#V-N+<DN^?MS\^[/+E-,)=<K><5O7JE$;Q<.NI'>)$&JOGNP
MVPXEQI;'/ZK+B7G/ZRGT+#!/R`>I](\^"8#1\@LWGS-K_P"BM-GZ'"['ZO<G
MD^?,^:JF:6_2'A["+6[GG4K9[I>7JRS$0,.Q/1CKO]@H_BR$1JPR0UCS'\KT
M]V@0<SH^7`:T9:=#VO%LWUCR1&:/HOG7;=GJ$GBP^&TV@WYBL6F&K<'OC.L'
MB#6:>E1JY&2]/F!EFO<9XY\%O6WU+[A\NQ4;S?\`RA)^FX23O5)A_P#S#XQ@
M;-.(K58MW\2K"9=_.PJM,VWKV;D-DC<.K@\^'--]$(?1#)=(X*&(U7SW[<[Z
M5MGJ_([)BN,N>F\NDF-HK^[97.Z?9XMW(+6P+XZH3M;H&IY<]#D1N:Z';B;,
M<U9"T`S#O]?@)O\`,@@4,']!&?FPY>\_9I==RUK.BHH"!N%@\K77*9.PP,H[
M,SY%GT>?S?V/GD"BT-\K[$,+7:_!W.-3'&.29,F5--*""9#=YKW7G89``%NQ
M/VM3)*3/C8P41WP_ZET0=)DF64$G^_8,0RW5*I#@!.B\42:8>.`PRZAU3W\?
M>J2&V%6ML5<`?]A$B680?^,9W^.TTJY4<[]I37\S7/\`676!K\EQQ*/\.(_B
M_>RO_P!KG$J_Q\&3?!U^Z?OPV3?D&Q2@Z9K$=GV6:YY;V-.?5^SS,16JC<]J
MI.I9$5+C<DYKHS4I?`,^L/\`)$@#D<>['?[5U33G$I4T$?Z0_(9E&8YE8=#R
M"U579(S+M%PQO?K/14%Z91,1Q2T;+E<#MM^OUAHDBJ.A)//<4NDA9D`\)(DA
M@1?]L]'OQ(IBTAA_M?V!B<_BEHQK(?0$E+:5LU>AZ^J9\GVF'N.OY+C5XL<!
M4M']#1EAK#TW'9(%1J582R8*WR_6(]FQJCV1>E'.C"O!\\O_`!<5#-;[YNM;
MGHO9K16/*#2E8QF[>9>+\I@H0PBK2M,/;*M7GSRECVE_]6E8"4_8=7@9L"#E
MG&D?[(4UI*&4!__1]_'P/@?!U^^S;AF>9:IY%U:ZZ%6LOEL\OFDRR;!9:#J5
MM19LTE<Y.K>FYK&2^?\`686#F;"1,0<J"/,K>29(0`[PH9C@3B$AG8_M2G60
MX*-RS%/5NM$2(X9<<="><=&S>H2(AX3DD&=':9Z&C<6RV1C20$<=;*8FW!7.
M.-I0XIQ:4=#',\I.^;-N]"]";K08;!JWC]2O\!EF/@7D+0-#EY_3O]`'9K?K
M=FJW_P!?QH,77ZZT)%U^')F6N%D/FD23BD"L,AK][^P#WMK.T8!??-\GYRD\
MRQXJ=EUTS3&K0Q>8G1;(`W%@;-6.&C6'+9R[Y/'AN?\`4TS,>H0`R9++?8+<
M'&1\&:9_Y2WVS9L'AVHV>NY#YX=>DY:\TK-;E8-%W[=YB_RMBNFQ_P#EST&=
M5<Q@Z+':EH%PDI&;&HE7CI+KS_>14W$B]Z)\%@UOQ-<LT"@J/AWM/TUC&(5>
M-(B:GCT+$>;='"I$5TH\F*KU+O6[X#K&@@U"N,%MA1D5(R,J/&1@C`07]85E
MIIL*0RW\5T7DMJJK<#Z"M\SDM6NNP7%-,M&:Y67I4R%MM9E:K<LZG=XA8"`M
MLQE_(AV&$&BBQ'W4Q]3@1W"'>1`*V`^,'^.?6[GC%$\F^F/2H-_\KX_0:A1Z
M37<=H-CP[5]!>H$%'0^;V7:]%9TZYLF2&7F0H,Q&#UL&"&.L00QYJ7&AT@J"
M[(#PP9<C03_9F]V_VFU7(.P5^ETZ_4+,<ZRV`_[=4I6B6^[2>=YA6X&,N.IV
M>GV"1BG)B3=?$B8T\IF#`B?[TDLT(US\:^4U:;7>,`VCU3YJUN0&#B;9LU*V
MX_;M%T6K13#@]=IVFO>UX;U55="KE*001_UM$M%%$5;^^=R&>`3('\)#;[%L
MEA</S>#S>"G+1:68LVSSDO;KN>!)7&YW"]6N<OM]NUH*AXJ!@O\`?7*[V:0D
MRFHZ/CHP=XM308@HJ&AVPM/X'P/@QNY5&N:!4+50[A%"SM2NU;G*C:80U'\@
M4S7+)&%0TW%%M]_PX+(1AKK+G/\`U0OO/@CJUGU8K%`JV9LANS=4J-;K=5C1
MK:2]:C2HRIA``PSTW(SBC2YR4:3&,NN%E*<(>(3_`#+5USO5?!FOP/@?`^!\
M#X'P8_9JG5;K$$0%RK-?ML"7Q:2H2S0T=/1!*7&'A7.$1LJ,6&]QP8AQM7[D
M=_5#BD]_PKO.A*@``Q88\=&!"1T>&TE@0$`9D0,5A'/T0R.,.AMEAI'/^$I3
MSG/@X$-6Z[7$E(KT!"P*#7N$&HAHH&+261SG><?*2"PQPA[G%=Y^Y?ZJ_P`_
M\_!-?!__TO?Q\#X'P/@?`^!\#X'P/@?`^!\#X'P/@?`^!\#X'P/@?`^!\#X'
'P/@?`^#_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>g90582g88g02.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582g88g02.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0H&4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@`````````````!"@```DL````&`&<`.``X
M`&<`,``R`````0`````````````````````````!``````````````)+```!
M"@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!VH````!````<````#,`
M``%0``!"\```!TX`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``S`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#TPLQ:_:TP]HA@W&9`TY*(,>N.7_Y[_P#R2:RS5S?3=J"-\"..9E"R
M&!]DFE[_`&@;FD`<S_IJ_P#J4D$TDMH(8?2DOT@.L>!S[M6EWYJKU5=0=8WU
MJZV5S[BV^USHUU:"RMO[J=SKRYM6TMH-+I:6RX/:YC6?IFY'[G^"V?\`7_\`
M!*(K)+9#P>.'#F7?Z;]Y):2;ZMO[/7XN_P`]W_DDOL]?B[_/=_Y)5#62>+`7
M$=G?UA_AD?U+@T<D@ZD,Y'^?_P!))(EX)/L]?B[_`#W?^22^SU^+O\]W_DD]
M=V\QL>W29<("(DN1?9Z_%W^>[_R27V>OQ=_GN_\`)(J22D7V>OQ=_GN_\DE]
MGK\7?Y[O_)(J22D+Z&!CB"Z0"1[W?^214UG\V[X'\B<)*?_0]/L]?W?1].#X
M[HC_`#4[\;&L=OLJ8]T1N<T$_BFL9JYWJ.F"?3D1QX1N11PDJF`QL=L;:F"&
ME@AHT:3N<S^JYR0HH'%;!(@^T<(B22*'9AZ-/[C?N"DUK6@-:`T#@#0)TDDJ
M22224I))))2DDDDE,+214\AI<0TG:.3I]%!JJSQ6!=D5OL@;G,J+6S_)8ZVW
M_P`^(]G\V[X'\B<)(I__T?3K?0WGV?I>SMI.L?OPC#A0R+&UT66/(:QC27N<
M8`:!+G./[K5G.ZMEUL+K:\1@8QECS]J=`98=E=F[[+]!SFI()IU4EFNZCEM>
M6EF*"+&TD'(=/J/`<RO^B_3=N3CJ.47,8&8Q=;8^I@&0Z2^O>;:_Z-]*OTK-
MZ2N(>/V.BDLNOJ]EK&6,&*YEE3LAKAD.CTVP'6_T;Z'N^FH9&?U)A<6W8-+6
MM;8[<7V$,>[979H[']CG!)1EX$NNDL;[1U;>YEN=AU^G8VEP94[=ZCPU]=7Z
M7*VM>]MC/S$[*VWV#[1F.RG/<^AK`]E3!97)M#*J?<^ZOTO\)9=Z:2.*7[I^
MIBWCU/`;<ZAU[&6ML]$L<=I]0UMR=C=T;_T#VO\`:K2PJJ>@VT,_0T9#7TOO
M%ECQ8YU0?ZMUGJ/!?L=?;OL_,>I.QL2NIX&5=4T-KLW#*<2VMSB*WS8[^:LA
MS-]G_HM)`,^H'T+H7]4P:+'U/LW6U@%U5;76/U_=JI:^Q[MOZ1[&-]E7Z7^;
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MS[5B?1G]H9L?2YVY,Q_*_P#`U\YI)*?H#"]/[#CQMC]D7Q]/C=7^][O_`$8K
M69L]&V>/LN'^_,>J^.%\ZI)*?HW)V?:K>/\`E+'F=W/I41_K]!+%V?:<;B?M
M^9$;N8R/^E_X&OG)))3]`8OI_8*(C_DBZ/I\37^]_P!^_2*QE[?LUN[='V'$
MG;,_SEG[GN_S5\[I)*?HW(C[5=]*?VCC3S$^G1]'^1_538L?:L?G_E'+CF/H
M9'/_`)DOG-))3]%]"V[^G;=\?8+(W;ICU*/I[_S_`.NM]?*J22G_V3A"24T$
M(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`
M<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,```
M``$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("
M`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`$*
M`DL#`1$``A$!`Q$!_]T`!`!*_\0`V0`!``(#`0$!`0$```````````8'"`D*
M!00#`@$!`0$``@,!`0$````````````!`@,$!08'"`D0```&`@$`!08'#`4)
M!0@#``(#!`4&!P`!"!$2$Q0)%=87-Y=8(2(U%C88.#$C-&2UU7:V5WBX"B14
M949W,E.4Q%:&9QDY05$SU%5A0E)B0V,E9H26:!$``@(!`@4!!00%"@0$!`<!
M``$"`P01$B$Q$P4&!T%182(4<3(C"/"!D5(5H='A0F(STR24%K%35A?Q0V-5
MP9(T)7*"D\-$-5<8_]H`#`,!``(1`Q$`/P#K3XT3.03BR^0L$=;ADSP^.+RM
M<&&70VP&B<1?4=0P^F-*5C%$I6P'"I:4LSK*CP[9"6T;6$UR4DFJ75<V&*"1
M7[.!]R6\9PI2\3TB]192!"N:*&<97)6VO)R]MEHR:QHD8!S:7&4M,3<8XA88
M\09WU?TJ2QJG%<GWHP@MN5`40NG,L6PK$-#:A6VVR36Y8E>.,J:O8BUR)N\D
M3"*V;::V/6)(0LI>S"9GIWC1:U-UC=*MLQ3)I:C[H,PXXZD]A43=:3P<RP'?
MI>=E*>P(M6KQR)7[E;?V].RN16=#8RJ94(R]!5UC\]E;B^Q,Q$G$D&S>0A*2
M-)7,I8N-`RDK^QPLM`R:R'IU<)HSP4Z\7!$[%*D3BY2*#5O.YZBBIR=U"(A(
M]J5T+CJ312\PP6U^]Z4&FF#-&:(/:>&TWA=[TU-CPAXFS42)V;T;FC$9:E,%
MF"2KTQ:I/LPO<PWL`]E&ZZ=?]F_@P-%[ST/2[?/NES+VKTOYX8&B]X]+M\^Z
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M"#`&`,`8`P#_T.^1`QLC4K=G!L9VMN7OZLI>^K4#>D1JWI<0E)0DK792G)+.
M<59*).62$PX0QA*`$&M]4.M:`^[29.$LDG1!.BDW9]W*T4#19'8AZI/8@T'J
ME=D'X`]76NKK[F`>,Q16.1EHC;"Q,K>VM,/9D<>BZ,A.'86)D0(4S8D;6XPW
MM#TZ8I`B**Z-"^,`L.A=/1@'I>36[LUY7<$79.HS#',ONI'9N)AR8I&<8O!V
M?56#-2$`*%LS0MB+`$._BZUK`*DY#EED\=[S))+`4452]FEE%%A"`LLL$'>P
M@++`'6@@``.M:UK6M:UK6"KFB:USZO8'^AD7_(B'`?-DSP08`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`QHY8^JV*_O+\+OXQ:)P5&2^
M"#`&`,`8`P#_T>_C`&`,`8!37(S[/=[?X-6?^I#Y@JYHF5<^KV!_H9%_R(AP
M'S9,\$&`,`8`P!@#`&`:RO%5>1,%'4HY[==LJ5/S/XHB<G':[;<00UZM1L$X
M"6J^U)+*0:2A%L[9@M%]GK?6^#IS7;]U?:CX]ZU9#Q?&_'KNOTX+R#MNZ6NU
M*/U,=VKU7RZ<]>&G,C_-+G%8D!EU'5CQ5!!)N]6RW7-(G.P>Z,%FQYC2TK'8
MQ(%T51-`;AJ!E-=G34J3'N:M3("Q,S,$:@M&K&:#9$G-II1]NO\`(<;U"]1N
MZ]LSO'.S^%+&R<C.AEV2OTAD0@L2NN;K4?JL6&Z74B[)2O72JUFJYN2VXO65
MXI?(MO@4CE,5C?&2`O-9<)Z]Y/3%DM"3.,P2V=*K"<W^/$,M(/U?6&@8'F%,
MKFR`&!:!6[#=%2U,V@&F--[X'!VRTU6G+7_P/&=W]:/*ZNV9>;A8G9\7(P_'
M:.X6PR+)6K(LOE."AASHOC"=4)034U*UV2G"E.#EU%[;%XD_)Z6WLSM#'6E?
MI*IC]O<<:0G+8]E1^/.TA>+QA$:E#K*(W/9=>L:/9WPE3)"A12+)XM(#Y$A(
M/UWX*D0"R;U);M-.&J7[?UG)QO5SS'.\EHHQNT8L>R59^!AW1FH0E.69379*
MRNZW,K<9IV+Z;&CC7N^$9?B*;2C_`'5OB)<I761<?)Q/VJF7>I[MN;EE3AM>
MU[`)TV6&TE<?6Z>ND?E""6/%FR=N>7R0&PG:4UM"T$$["+K`-ZYX=)"LGK%O
M31MK]A>S>JWF=V7XMW'NE/;[.R=Q[AW+%=%%%T;XK"C=*%D;9Y%D9SFZ=KKZ
M27'5/62V0WCG?5R\A>:WA]6Y9\OJ96CN#BSR2LN.0&IV^0MFZ_8WAPB:!#&9
MJK>9K)@3)V;!LPBMN@$;0'3F4XI=)=:3!&)&3E.#;7%,Z_Q/R;O_`)3ZA^EW
M?>\Y^#*O/[+GY%=&-&<>A"4JHJNUSNLZLH[-.HHU?B*V&SY-7T%9O/U&,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@&-'+'U6Q7]Y?A=_&+1."HR7P08`P!@#`&`?_TN_C
M`&`,`8!37(S[/=[?X-6?^I#Y@JYHF5<^KV!_H9%_R(AP'S9,\$&`,`8`P!@#
M`&`0BPJRK:VXX;#[6KZ$6;$3E:5>=%K"B;#-(X:O0B$-$M-9)(@<FPQ6C&+>
MRC-E;&7O>]AWK(TFM&M4==W3L_:.^8CP.]]KQLS!<E)UWU0MK<ER>RR,HZKV
M/35>PJ!9PQXA+H8GKE1Q;X]>C])*C)PEA)%-UZDBA$R.0(6E5*2F!)'R&L#\
MM:&Q.C4*M%=LH1D`(,$,D.@9-D---JT^PZ&ST_\`!+.WP[3/PSM7\+C?UE2L
M6A5JUQ479L4%'>XQC"4M-902BVXK0H+E)X<]><GG%NTX3%7!8JEJ\NG0Q-CK
M6G7XF+0K:L>UPJA?);!7E]J"0N[$;MH4J6L[:7;:$L):4LXO1V\95J7M]FGL
M_D/,>9^E':O,K:NKGRQL*.%]+TH8^+-5TZ\?I9VTSGBSE#\*4JWMZ:24%);C
M)E#Q;XYH9I$[+U2-7K+,@S`RQJ+62YPB..<_9VJ.-B=F9`))>M;CGTM6V-28
M*<A1H_MRB-B+`,(!B#O+;'5/:M3V%?AGB=7<,'N_^W<*7>,:J%=>1*FN5\8U
MQ4(:6N+GK&*VJ6NY+5)Z-HEC92=,LOS7\C5)6+3\QY#()="O)D"BJ#YH2N6=
M^^=4GB_=6HKYOR&3>5%/E!:D[%2M[P;VPQ]H/INU>Y'.I\=\?Q_HOI^Q8</I
MK9VU;::X]*VW7J65Z16R=FZ6^<=)3W/<WJR-P7C'QOK"3FS:N*!IB!S,]0]*
MS)=$*RAD=D_;R32?4@$6_-3,E=20/>DA6E0`&A`?HL/7UOHUD48IZJ*U.)VW
MP[Q+LV9+N/:?&.WXW<&YOJU8]4+-;--_SQ@I+?HMR3T>BU+RS(]&,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@&-'+'U6Q7]Y?A=_&+1."HR7P08`P!@#`&`?_T^^!_2/*
MYF<$<?=T[`\J4^R4+TI:@O9;:88((1JPM8UJ`E6H*)V+96C#-E!-ZHC`&@T(
ML8&)S+/[$D;5QD<&Z?*CIC8T&JV5O<#;8S%=LS@P;3M#M=$\G+DK0J7MK8RV
M1Y(0L1;08U]A)%*4L[OJ90,I*+[R16#/ILU6*Y^2Y0!G9(;(.-S"*&FM+*H3
MRQ)=EJ"@<AD+TN6I!R`M$F0+.Q8MMJE`44\-2K:H2\H6TA`%5(;<M(UJJ81L
M^`<9R"B%>3!6ZEQZ+`*I$Z5SFOVI6SL6M-HDJE%*&Z=FL\<%(=.9X7MM[0T;
MAH1B+0:<RQI3('J2<1+X52%R`\NK/$.44*.>-)$B(]V3UX]6;`FYT<4K>60V
ME/+@VQLDY=W4E,EVL&;LD@@K8"0![49!USZO8'^AD7_(B'`?-DSP08`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`QHY8^JV*_O+\+OXQ:
M)P5&2^"#`&`,`8`P#__4[^,`KK=/U)M_9)5NKJZW*(RS,$<C<DW"8SM_C\>B
MBAQ5Q=A9'C;9Y1:6:-JGA6:@2D&%D(S%1PB0@V8/8@U/R8Z>K"/IX&6C@\;5
M+:RCS5%H,_O#2B?)3'69E0;;4*=OE#L0L?BC=)1CT8;I1VAPS3!#$(1@][`^
MLNJ*M*3RI(56L`+23I2!;-DQ<.CH$\Q6%+5+F6KE1(6[1<A4EN2TY0$Q7HX>
MCS1F:WUA"WL"#7FRLT<XS7.Q1YI;&%D:J1LM$ULS,@2M;4VHR8.^!)2(&]"4
M0D1IB@_`$LL`0!U]S6"KFBQ:Y]7L#_0R+_D1#@/FR9X(8+&6@^UH]NLI?71V
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M)I[HT)ID9`9DA1A.A3::K<53.XO[*[)BQ#4J7`+>O-*2Z+6!.TI!-SU?P.+?
MY+W/%S,MV68S>+BWSL@W**MZ-L5K5%N3C*<)16LI3V3<8:6*6]>LY7I*W5:Q
MMY(&9L22>:MVVD+.J4BD<::H/RCJRGY-'YF%0(U,H<Y>@EIVSBB2DGDHTA4A
MWM8(O2O=U?#]/:<BWR3-OLQJHJN$+LB.W:WU*XT]QQL6R%NNJ<K5:]4E'IM3
MJ_$:WF9>9GOQ@#`*FN]SED>J^;2R&OZ=A>(=$I3*B1*V5,^)'$;#'G)R3MRI
M.H/3"*3G*DP.N,L83.KK>M;UT].26NCT9T?D=V=B]F[CG=ORE5D8]%EBU@IJ
M6R$I*+3:T3:6K3U*KD?(!WA,)E3G\U'V7J8^CM%!&I6X"CD;89W,ZI321?)V
M':%"YKGB/%DD15U"E//1!*6A958M;!HQ")=-VBY'2Y?E%_;NW9MWT5M\ZHY$
M:[9=.N%UN,K)60T4G*O15V;9."4^E-\-:W9]EG<BRX5J61PMB.23%NK^6/C2
MI,<&![9TTM8JT>+&*97E$U/6WE&GTW-)NPC4$I1J.QWL(`DFISSCEIJO:;.\
M>5KM_P!=B+&<<^&+;.+W0G%6PQY7J$U&>]+;%\9*+EIP2C*$I?W?EH22`R&,
M-[*[O+4D5UU;DS5:8JCDEM*U[G!5U:$,Z)4W1XU'MM;#2I8J[;9ZUM`H%U`Z
M6)^KL>DFUIQ+Y/WG+[9E8=6/?9"N6)E6O9BV9+E*EXZBG&#6V+5DM=9UJ7!=
M2&FIY"7E4S'&+8V4UM+M/6R.GC4-+/-8@<A7S-MK(%ENK6W)`O2B5%14M#HU
M,2\'MX$YBDK8.CJB),-F[]IHAYKCR=F)&FNSN<*GK&%U34K8X_U$HQ6]V*O3
M6*ME!1<EIR<7*;,U\(E#$W+WJ-N3:ZFO">..;<E4H5I"1Y%1`;Y5=W5Z4%Z4
M("V+I1`'U0C$KZ.D.B_CY=W#7].6IV&/Y-7/&JMR,2<+G8JY1332G]']:]'K
MQCL^1/GN]FG$^=BOT;HK;2W.MI='6Y29`"'9V7N406IX\KM-2-%!D"].T2%>
MK7+%:X]"F7=Q`J(1'N).]&G$`4GD%+7V&.-Y.[K*5=VB^JINA2E*534'DO2F
M,E&<FVVX1GL4HP=D?FE%3E'TI3;#I&++.A),<5R?;JTUZ3&&YI,;D2S<ADY%
M[.SHH=7%W<4:,EC2M%3E[$(`1GE=8P0"SA""7HWH]-#=F][NP^[R[='$E=OA
M0JXQVI[[%F2DY2E))04<9<M6N+2DVD1=3R$/>VMG7PR%R(20R;T_$I0]NWS:
MTVQ-UGTKAJ9[B[BD(D^W-:[LT>D@2SE:$I6W@6KD>R#59/>AIF[7DCA3\IED
MTX]O;^WV]-Y&+59.73VU2NLJ4ZY)6;G*$+$G*"E!3G7ME..]PC:+FG5JN)*K
M`[!8.$-I<5='E^9W>*2P3)%YN)P11A^=FN(/SZXHCU3XF2HU#<('?TGE).:,
MO90%8DTWK37V'$K]0NRSP9]TVR_AT%7*<XRKMV5W;E7.4:ISDFYJ,90TWQZD
M9-:*;A8EJ6C)(,DJ5V$R@9&61R16.RS'0Y`N<8=&&&LYI8CZE*+;%BQ&O<T^
MHF,HTU(-87LHHW1&AC,),#DWIH=KWKO.7VV'8[WC]/'NN?U&YQE*JN&/;?-+
M:VI272T;BY+12VZMQ:_P-YJ@N[+%EE83-LF3Z]1M"EC+@X0S1R5EE<<L"3-D
MC<7-%)5S020B2UD[IEZ0HXY<0M2["44H(,3J#YN^'$+R2:OQ\*SLV1#N%ME:
M5<I5:J%E=]D;)25CBDECVQG%-S4XZ14HN$Y7LC-//2)3U*4:%2<G(-4(C#23
MS$9YA01FI1G)QF)SAIS-[!L0!"`+>ND.]ZZ,R/25RE*$)3AMFTFUJGH_:M5P
M>G+5<#Z,&8P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`,:.6/JMBO[R_"[^,6B<%1DO@@P!@#`&`,`__]7O
MXP!@#`&`4UR,^SW>W^#5G_J0^8*N:)E7/J]@?Z&1?\B(<!\V2!Z:BGQH<V8Y
M8YMY3HA4H1KF5R5L[NC"I*$5WIL=$)A*Q`N(ZW6*-+%H0!ZUO_V8-&12LFB[
M'E9.*G%K="3C):K36,EHXM<TUR9BVKX856N3R],HDMP]2?MZUJFYB>UY8C52
MMO<$9Z!8F?UJ180L<P'HU)A>]FF"%H(]]&]9AL7'BSQEGI]V6R.?"69GZ94'
M&[3)L3MC).+4VFG+5-KB_:24?&*+&"V,RQ[Y,&+2`(ACN::"%L+4I&M:P[$)
M?O>]-JPP1R?7_P!$T6Q`Z!;WO+M^+.6_#L)O5]V[FW\O_P#*M_JO6/M_JOC'
MW/BN)YROB7`7!2E6KYI="U8A7E.J%6KMB5J5*-T),[4ER2GG*AFIUY1OQ@G`
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M(A!`$1IYXP%%Z$,6M:WO>NG>]:P;K+*ZH2LMLC&M<VVDE]K?`^!LD<>>S#2F
M9]9G<T@&C#BVQT0KS"2Q"ZH1F@2GFB+`(7P:WOHUO>35/DS53EXN0Y1Q\FNQ
MKGMDI:?;HV5C;S--92F20V*SRJ8NBES3)&5\C]CUW(YXMEJ!2A+)7)F`,<N>
MIE:$E&V'G]\ZH5H]@.`/0B.IOM#U?#5'3]]Q^XYL(8&%W/"IKOA9"<+Z++G;
M%K1J'3R\9I*+>[[[T:>L=..-Z6J)K)S%DA;[LXH/J:Q39Q#2S6^D+-<(^\NC
MH4[);*:HLVI.:9K`@D[E\UW#;Z-J)(<3S4"H:L0C"CA!QT;]J_3]9Y*'9.X9
MCLRJO(>R6PRW=5K'$R)0G*6Y9$:XKNSA&R73GUG6E-N$W-MQDR-N]8.?DA/8
M4AY%<4#HW*"3&1++Y#75MJHS(E+C!E%;*S$[NZ\Z#65VDCQ!F\QN4K@C,<EA
M*70C33#"0C!-/;N7Z?K.)?V:[H1[KE>5]D>)<MBMG1DNN;E2\=Z2EWAPE9*F
M+A*>KLFH_-)N.JN'R?=Z\\$[#R%XK*OFU%5YVY(50$[,0-$/E)++)%B]4K*Y
MB[;B&9V21I&M"J-^][(3Z,`/1>Q;%EQY[E^GZSONEY%;)=R7E/99=&F3ZBPK
MML:K%"QR;_BFU0DJX34GPVQU3TU(*RT]/FE_:65FNSC"!Y(:7%M:8AJF;<6I
MC$D/CK+`GQ>3"%/-E0UK'F/QAY;VI>Y[1#<"$JTD@\_03PA'-'[U^GZSK<?L
M/<Z,JC'Q_(NS?4*$HQJ^DR6M*JX4S:I?=G%SA7.%<[-CFHSC&4M)).*KZP<H
MHHB+F_<C>*;8(0%0(>*4P"WAH798EC"ZL5KP@1R'G4:WR*3IXA(S&(UT$6H<
M@(3BD@C]``2`,TTT^9?I^LX5G9K<*6#=D^6=DASZ74HRMLFJWCN45/O#C98J
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M9=/Z+E#PI>XF!6T(R53E7D]E,+2:.8Y*GCD:1)WGG*Z1E"P`8G5S&VLQ(`-Y
M1?7-3IP[)",$T_M+3]/B=51B5O'^IK\R\>LP=T4G*BZRI:PL5=:4^\2K4-DK
M'74DH):RC%;4U,CCI*W(*_C;ARGX7Z2-*%M65\W/=33!8>M;G-J?:[:EB`3O
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M6-ZP;@`DT.C-&"V<"K7]Y-?I\3O?'\WN&;=4J_+>T9^#7!.4<>FSJ;7%JN75
M?<,G35K7=*$G-*2UU>Y9!-,LBK^@C[HQ26/O39+4`76*N+2\MSD@DS6-*6N`
MY1]8C4G)WE`-":`[1R81A>RA:'T]7>MY=5PXGJ*,["RJL6[&S*K*;X[JY1G&
M4;(Z:[H--J<=&GK'5:<>1(,IRCP3)5%RG5.Q&R1A+>U;F>R)6<QX;P.JEY2L
M)4I4M"=O$HTK.<TT8.`XF)P@V:!`,*C8=%;T/&J]YQ7FX<;X8TLNI9,IN"AO
MCN<U#J.*CKJY*MJQQTU4'NTV\3Q7ZS:VBJ(ERD]@P>-MRA6\-Z=>_2QA9T1Z
M^/+#6]_1$JG!>G(-5L:\@9"PL(MC3'`$`S01:WK)JES9HR>\=HPJXW9G=,:F
MIRE%2G;"*<H-QFDY22UA)-27.+33T9-PB",(1@%H01:T((@[T((@BUTZ$'>N
MG6];UOX-Y3L4TUJN1_N`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@&-'+'U6Q7]Y?A=_&+1."HR7P08`P!@#`&`?__6
M[^,`8`P!@%-<C/L]WM_@U9_ZD/F"KFB95SZO8'^AD7_(B'`?-GI2MJ>WI@7M
MD=E"N&/*GNO<Y*A;&AY5-O8K4RA1V3:_)%S4I[XE*&G%VI0NH$W8@]`PAWH_
M@SB9M.1D8MM.)F2Q\AZ:6*,9N.C3>D9IQ>J3CQ7#75<4BF_1;=7O/2WV95'Y
MJ9CI+]X\_P#P7R'_`*QO_P!/B_X8]%MU>\]+?9E4?FIC27[P_@OD/_6-_P#I
M\7_#'HMNKWGI;[,JC\U,:2_>'\%\A_ZQO_T^+_ACT6W5[STM]F51^:F-)?O#
M^"^0_P#6-_\`I\7_``R90>&6%'790MEEQOEA-QK<:E)97.'P6/D)5HU*0XMT
M`MC#(VKS3B2"#"M%#,V2()^Q;#L00;U4G[6=AV[M_=<2^=F=W^S*J<&E"55,
M$GJGNUKA&6J2:T;TXZZ:I&.?B0TI87(OA+?E+52U)7RP9W'X^@C34M=6YD2K
M%3?.(N]J@&NCLH2-R30&YL.'K9I@=;V'0=?#O6LQL3E"45S/*>K7CW=?*_3O
MR?Q[LE$;.Z9-4(UQ<HP3<;JYO64FHKY8M\7\#5!X(7AV<J^%5J7A*.0D(9HH
MS3:OX\P1Y0V36)RDQ6YM\C&XJB34\==G$Y*`"476T,P(0BW\&M].:J:Y0<MR
M/B/Y=/2GS7T\[UY'F^4]NKHQ\C%A"#C=59K*-FYIJ$I-</:S>+R"8+`<(Q'9
M-5#4E?;)KZ7$2*),R]6WH&Y>>^QZ1UN[&.:MS6($H4#&P3M6ZB+[7M#QMX2R
MPC,$``MTM=-5S/T=Y1B]TMP\3,[)1&WN^+>K*H2<8QDYPLHEN<G%;80NE8UK
MJW!))MI&/;[15G1I8YU]5[>H35ZVQ@)=<RE8Z-"G4(EMB-$%II[D:5F'(V)Z
M<WRKH2VRR5JQ;$B`[J9/I.E-,5"/[+':^2Y'E<GQOO&)9=VOLU37:X4_@6.4
M7T;;XTXD[%#J0G*>/3')R9/Y%;+(VPDYN6WVT-669`RW&,)V)W>&9IG(9Q6$
MKHDJO8$HK\,RCCTBF,7006W)G)&5Z:@R-"N7N.W%2>48.6IMH2-F(3#$%T:X
M:</@<FKLO>.V*W#CC668\,GK8]F&J*71U:YJVN-.5;9"<>HISLZDI)O)ATXZ
MUMU?TZT];\F@=K]Y>WV'R&7TTR,!$,B)%4I8U(I677CHV.38H`],4K5,!9KP
ML"C,TE=TZ0H&^DA0((>\B:/YOL%W8>_9G;>^;\BVC*O[?""JJ6,JYV*B491>
M^%CA\SV/;;&*7W9-+>_;>*4F+Y/").E3)V-WC+G=DI@4J4J4*DAHE,A?:>41
M32Y(C5C=3&&7L4>>6UV))T6<)H/4D[,3FGD#QM>NOVG(O\>S\GN<<R$%7?3/
M+LIL;34;)SQ77JD]VRV$+:[4M'TG..L92BR,-<-M=HAIYBBKI5\X)U3;)%EC
M?&W>DWYR@KZTRVQI,Z1N2$V(]_,MY8Y(DG"9$H-0>5BCRTQ^A`($%,<*)-+E
M[#AT=O[W1V^3EV:[ZK)[?"MQKEB3E3.-M]DJ[%?/I3A8KHPDX=5-1EJHZ0D[
M8G-?3:7(Y&7MN0;6OM`JH>>6>K1IF=?*U*SO:N,K0D"4*4[*[@V-,H/+)&6!
M,<+J;V+6M96F_P!AW?<NU]QSH9:Z4>I9VMU/5I1E:WJZWIJU"7&,FDTHMZ<2
M(3J%2NYG)$J=J?<8JP(D,!CT@CTV<*W<C9PSJKLJV92%*L11272IH4,$$BD+
M<]=DM4=HK$\GE)2-])G;UIM\C@]R[=F^06USO[#.G%C&F$Z[I42ZT'EXULTU
M7;9%PIKJLX3EK+JRC"//=/ZCA\\B\ZGH)8!4XL39$:X@\)FB]U1KW.9LD9>K
M/?$ZIX)TN5NY3ZPM4T0MB]4L"`3JM2&KB]!"H[(HDTWJ=IV+`[GA]R[FLY.>
M-"BBFFV4E*5L*YY$TY+5R4X1MA7.4].I.,K%HI;8U:@JFU8K4W'ILT_6C)I)
M!%$./D")F'0A4EA93?2TWA;FCC!SXP1V$.R<#X_)TJC:XQR-VFV(Q./KZ[3<
MT:43I:NR=ZPNQ^+4_4YMV7C.IS4/HNI5MQ+JI*MSA73);YQC+>['MU<7KQ)8
MO0SH#S+C%E0R^PV^>4G!(4H!*W:G$J52\M+O<`7MGLA.V2U"A+0KD,P1"6&,
MC:X)1)SS-$E#,!LC+QX\/8<ZVON2R,YV=BORZLGMU-+ZLL5)SC+*WPO4;4M&
MK8;G57..V3VIM;3\JMAME06P'U`\&VB[QU8YQ,6GQ,?2QE?R/R/1M<PI?(7\
MMP4[N-,Z'R:,J=B+3=0K9Q10^H(@9FQDFF8]E[?W?MO=,FK(>;9B2G5\Z>)T
M+-N'13*<]S^J4G97+A'1:J+T<6]:J34==;37\/B*=V>I([R/CW'*<=7R6"K\
M2:CQ*G"#MM@@:T<*'7RN4$/<6.5F@$!0O4`6QA&$M44%4889-'HE\#I8>.>0
MT=KP,&%]EU]O:J\64[>AIAZRIC?M570=BG6Y-:2G+?CUI3BIMN8QF&6Y64I0
M)U<-'8T78)U/I1'5M;)(5#$:%GM-H$\/#,&/3JT2EI1S)8NW4X6]K#2](71$
M6GZVB3P)VC37#@<_#[?WWL^;5&?;_J\.K)NL@\=4U)0R8[Y0V79":<+^H_OM
M;+*U'7;)0RE(E9HWIF8546E#>K>D#FY`4*$S2I;&],T(HX>L"ZN;4\.*)(JV
MOD@$1)/7$<I4)%)A(1I2M*19:_`]I'-;R,?&GA71G9&4M6HN,5%5M[I1G))[
MK%!+5N4HS<4X1WO'*7TG))E/GMS$3MB`"S'.<0N:E&-BY7%GI+2551F+RQ*V
M>42%2K267QE:E4H#.H!P0@/3*0B0JQ=KBXML\EG^.Y?<.YY%SCTTLR5U5RVM
MUS6)C5UVJ.Y-Z6USC*#T4X*4)KIS>[XZ\:+5AQ8)9*:=<I$]2%+:Z5PB<>E%
M>+E$*7/=VSN;@TV.,EDL>:W*-66S21"8H-+4`5EA9D(52(!NQEIBU7-&':J.
M]8$5G9O8)VY%JR5*J%E#=+GEW7?+*RR$95Y$+(.34E)*JM3K4M5#*N.Z/):D
MB$]@3QO;:D;4(&QN4(U+*0$MI0&#3L!R4M&8-F;#SAHBMGHT!HMI1"TG`5LL
M0\SVN+NC377+%5.R,5MBTX+Y8\(-:?)%MP6L8-[6]JCHW[F#DC`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!C1RQ]5L5
M_>7X7?QBT3@J,E\$&`,`8`P!@'__U^^1[`]F-#B7&U+6C?C$AQ;2L>T2MR:$
M:X8=A3JW%M0+VE:Y)$P]]<:<I6E&?H/4T<5UNT"!AM&;PM)^9*]E9BV()V\4
M9XF#F+)N,..E<D?>0D@:6&3NC,OW*-ZC[&Q%OJ<UK!LE8(2I,K)/$:'LQEBZ
M%C3JRIXSS]>G9%D<31*)R"@HV[L;DP+5;Y(S[FL4$,=7-*]E/Z,EI;V)O<DA
MJ`049W;+4RPH[0@;*V4&A6*.[;;-;:N$<Z0L2SD'%87,8FJ)B#D!)5:=]E<$
M1/;._;%+S-2C9D6GR<EE4"TBVH?D2@PXO:504B2!H3:925]E?$B]G"2F-RA\
M;81R7AS@L:4)[6WN1E?N%CP0MV(;5+@ZFM^W8B.`4C([R<$HPT00CV'6L#VH
MORN?5[`_T,B_Y$0X#YL_.Q[+K^GX8\V+:4QCT`@D=\G>79;*W-*S,#3Y6=4+
M$V=_<EAA:9-W]X<TZ8KK"UUSC@!U\(M9&U%:M\#K>[=W[7V'M^1W;O6?5B]M
MJV[[;)*$([I*$=TGP6Z<HQ7O;2]IBQ_S*O#_`/?$X]>TZ,_^>S#JU_OH\7_W
M=]+_`/KWM7^HK_G'_,J\/_WQ./7M.C/_`)['5K_?0_[N^E__`%[VK_45_P`X
M_P"95X?_`+XG'KVG1G_SV.K7^^A_W=]+_P#KWM7^HK_G'_,J\/\`]\3CU[3H
MS_Y['5K_`'T/^[OI?_U[VK_45_SEIU%RZXOW[)%L.I2^ZLM*5-K&IDKA'X/,
M6>0NR./HU[:UJGE0B;U)QQ3<G<7E(0,W>NJ$U06'>^D6LR4XR>D9)L[KL7G7
MAOD^79@>/>386;FPK=DH4VQG)04HQ<VHMO:I3BF_?)+VEA6[:D<I2OI%9TO0
M2M=%8FC&YR$4-BCY-GEN:"`B&M=]QV-HW![5-K82'9JHP@@WNQ`1'&:"4`P8
M:VHIM\CM.^]ZQ/'NUY?>,^J^6%1'=/I53NG&*YRZ=:E-QBN,FD]L=9/2*;6$
MWAX^(Q!.?,3E#E&HM+F*11&2S(A_).BSZ7#VJ/?/)V+K=-N<*$P8\Y2YX@!C
M<J7("#MJ25/>!]B!/HL0L*[%8GHN)\\]*_5?MOJ=@YEN'A7U9=%UJFG7/I1A
MU9?3KK-;)6RHZ<IP3W*6Y[5'1O,*XK'>JU00U>RQG<KV^3/30\MQ!JD+H1&&
MV(2^:R9R84B5.J.>)`@9(B>-&WZ#K:\_JIPB`(P(PYMZ:'O._P#=LCM%7;[<
M?#Z_4R-LXK7<JXU6VV2@DFY3C"IN$-/G>D4TVFHHZ<DH3&P2-VD2DH,2;YDU
M1]GE#4I0J&A6QN=:U[/@2`]:K7HR%_7U-]Z3HVWOKDM3$[-2I3PEGB+FY+7W
M'"N\M[=B++ORYKZ&&1&$;(M.+A+'HNWMN24O[[Y85[[)Q6Z$))2:]E%R!A#H
MMDS:S(Y"]N$=F1M?)D32B;UI\DF21P?6QT8&<);KU6]<S*8RO-6:=]M>B&Y,
M)Q%OR:(M8.[EQ.17Y1VZZS,JQZ[;+:LAT)146[+5*<90C\WRN#KFY=7I[81=
MK_!:L?@-'):&A(BPI>6KBIDQELUC;2>ZD%LZ=-Y`L6205C)<T;XJ;W[RLY"9
M2MKB$J15Y'-.T)P[H0,HP<W+AJ<6CR_`4<)YZE0\B^ZN+DMB6R^RF"DIN,]T
MMBWJ,9=)O6WIQ<6[&@=IL5@K'!`V-4J:%:"/166]A)V!2R#61J;GR,F+NJ3M
MA&:WY2!%E1AB4SLUR+74+5DD';$4&IZG;=L[UC=TLMJIHOKG&JNW2R#AK7<[
M%7):_O=.3<7I.'!3C&6L523#R&E`60UV?8RV2%YV\U@T.];Q0W<6LBLW*S)D
MGAR=KFS#9#JR>5&EO5J=;1OZ?:).^#*.[LC`F+[V*;G[CSN-Y3F+'E?DX<+<
MCJ8\98];Z=^/+(M52C="^4-T8M_)='9&YJ6RM06]V8*_(,`]:0,B1`#UUQ,8
M4B:.JEGZELFS)6JY/#CMJ=:/[.?R9M:RS5VD"=4)>2J3F&H!;5ZNY';OR?MJ
ME9%QMTXJM[>%[C=#':J>O'\>RNM.>R,M\9P<JGO/FB%XM<JL)XKOR*^-\@;V
M]H=QL2UJ4)GQ@:5A+D2K=)B4,8F]G;C'QL,1-AX#S2GH0##F\2M,2<>7%+5M
M&&!Y'3F]UR.U?3V0RH0C+8XM3A%J2<K?ZL([XN%;3:MT<JM\(RDH\HY"$Q^=
MWE&I@U)V]FK)F22"'K4"KMGB<I6^(PMZFC.E;%`RPB?&-ZL)B2)@`'K2TQ\2
ME`#VNA;$W:-ZG%EY3'%[EY)B9]"CCX=:G4XO6=RC55.V*B_Z\)WTQBD_G=T(
MI:ZZ_K%.0C=Y%J4FR42>,S&RR4J$Q,TJRED;1RA4[G1\EF:E;D>WOL@`J>B>
MQT-$A4[1@,*.7Z2$G%&#*7!:\V98/E-7T_8X]WK5.?F)+2+3K5CDX*$7)QG/
M6:TUA"6U-2MZ<91;^>-<G8A('Y$A.0.S*WO]60VVXV2\(RDK^*$OZ^=:>9G)
M$):U0EBD08F6,HE1A[@:E/`:X%HQE:7'$)#&Y?R&&)YC@96377*N==5N%5E5
MJ22GT9RNWVV+5JNJ$*X2<IN+3FJVNK*,'Z+;R.CC^ZPAIC,6E3VIF,M;X\H*
MT9%VY5&F9ZB4RE[',GE&XR,@[32Y-L(6[VB!TO*79)I2A&4K+TE&W)Z:(VT^
M68F5=VZC#PKK)WWQ@U^'%UPG5;;"V:E8GME&F?R+\6.DHSKC-;')9-9B]DL!
M+#D[8C.2BW6FE"PY09I3O=A/5A->^Q)+Z`EZ;"X'L>MCZ='"4]&NCL]])O1Z
M',S.\6XW=(8$:8N'^7U;?'\>=\>"_L]'7CSW?`A\VN20L;E)T1!+#&F*,3T4
M7>+#D;1(Y#&(ZVE5?!9^2JDR./*&\QE*=5DL/3>55RQ"S-I"39B@X1YB=*I-
MLX'<>_Y6-=F5QC53C4Y73G?9&R==<5CTWIV*#CL4G8X]2<H55J.LI.3A"<[?
MII(B8_6P&4J*:E=EN3:R)%NW)=(X8S*SH6_S=V=4BI`0S+I<U)&N,JM(0A$U
M^41")ZQJ4(Q"!=>1V>3W#+CB]H6/&CZW,G&">YV50;JG=*2<5!VQ4:Y;/[OJ
M?+K*";:\PZVMQ`M,U6.@T&1-R(3O-7&%IEKI$XE%%DD=X]%YQ(5#AI*O8V>3
M::1'FI@:<#&G1:L1QQJ%O4N6IKISYFF7?/H%"CNU7^;A'=;*I.555;LE"NZ;
MEI*$;-NYQ6]U:6.4I5U3M/%%R3AP`F'CC-AEMP&F1R<MW/C):9L40V$O);!.
MY@4>I<B3`M,/=%*?2@@P`'-:G4E*F](M2"V?IN7N.-_N[MZ3D\/*56RRS<Z]
M(NJF>RZU-R7RU2<=T6E9.,E.J%D'N)`FO*(J5+T1Y-ER<EHU80$[@JCJ@A!(
M%M62)1&)LVL!PS.T5+6QR(ZQ7;`(*6INN>F&<4F5C3MR.5#R3!G/(CT;U&OK
MZ2=;49O&FZ[HP?M<9+5:J*G'64'*,+'".L/)JNI.D;G!A3R-V;5(40WAV;4+
M:XLD4*5S^4U::H?'YO=U3(J2H)Y#UJ(TUL4.)9A)8EI`CF\LY64W(XN-YAVG
M,KJMQHVSI>FZ45&4*T[[,9N<XR<&HW53@W7*Q-+J1<JE*<?03<A:^V\L$>.<
ME!Z]Z\A!.6E(24*!K/ETF<XC#DBY*K=#7,U7(Y`U&I2RT1:[:7[V>L[HG/(,
M&W+@;8>5=J>1BXLKF[;-FKVJ,8NVR552:<G)NR<7%*"GMX2LV1E%O^(M?4?G
MBB&J(>D4+&&43ARAFW-;M(`!FDT"EDV2.S8<WKW%/UQ?-0:54V*]IGAO,-UW
MQ*F%H(3&[730F%Y-B]SGV^6!!RQKLF56YZ>RFVY2BXRDO_+<95RVVP;_`!(0
M>B=]9D>F&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`8T<L?5;%?WE^%W\8M$X*C)?!!@#`&`,`8!__]#OXP"LPTY605\5<P0]
ML+50MICK%'M%B6%I$[3#C%!\,1KFX"D+<^`A2Q8>I91+RE(VA6>:>CV2<:88
M(#X6JD:\;@P<Y8UJY&\P*/1:.-LDDSJX.SZ]D0O1QT9<YHH&>4DF;\R.JM2Y
M(UCD2H.0NBQ0L2[)//,&(-3^RJ.J@A)(D),,;BDTH-;37((#W$)B7;(]FR=A
M+CBC2WO$/3QZ5J#7=N*:1H2F]X.,7)PE*S!G"`BUTQQCB7&*Z8]'&U.TL[?3
M-J]V1I^OO6S541D2U<L4GG#,4KG%R7J35*M4>,Q0K4FF''#&:,8]BKFBS:Y]
M7L#_`$,B_P"1$.`^;)G@@P!@#`&`,`BLYAS-8D+EL!DFEPH[-HV]Q*0%MC@K
M:7`]CD3<H:'=,C=D!A#BUJ%+<K,+"I3&%*2-BZY1@#`A&&-:II\CA=RP,?NO
M;\[M>7N^DR:9U3VR<9.%D7&24HZ2BW%M;HM27.+3295U(<8:*XVBE15%5XRU
MBT3/49,?HU%0&H(RH<8JUG,B%\(9-&"1I'UP:A%%."HO037$:<LY1LQ1VAID
MC&,==JT.F\<\.\;\1>;'QOM5>'1D=/?77\M;E7%P4U#DIRCHIR7&QQ4I:RUD
M[;>F1H=7"*.+F/8%47D!SVP]"C1`1.ZN,R.+#`,&_P`*T)FDBSH+_P#CZ!_^
MYF7N.\R,>BZW"MN?STVN<..GS.NRO]?R62X>_C["D%/&"KE1+TA0*)0SHWA5
M-RWMO8I&:D3FME@MT-3/L4`#L3C&>.%I8,R]T2(Q)N[)$ND8!>3U"A(?CM1Y
MR?AW9IQR*ZIW5UV.[?&%FBVWQJ4Z^3VUZ4U;8QV[8QZ:?2E.$I"KH:++7Y5*
MCWV8BE0%@%D:DVW5`)]A>@N"IR$A8G$QI&<YMHS%ZA/V#WY7`%N4G(`:"A-&
MF$VK]9RY^,X5F3/-EDY'UN[6NS='?5\SEI"6W64?FE'2[JKIRE4M*VX/R$?&
MVMRA(-D+I8J;T:AK-<&Q7*%+J@DBV,V/);*:C)4:O+5N+X-NE\L=!'%'*.Q6
M=XUM86><E1FIFU''K\1[2G5MMOE5%Q<HNQRC8Z[[,B/4<M93VVVV:IRTEN_$
M4I0KE"0UW3Z*NI'('5%(7Y];7:$5]!V]%)G`UW6-+3`'.P53:A+6F=F!2A*;
MIL6F`(TL:T[NHCE:A4>:(W*EHSE]J[#7VG+RKJ\JVVF>-13%62<G&-$KW%:^
MU*-RBFTYO;NLG.4FR/-U5P)Z1J6\JQY)*W!O!'6V.O"B51]\?8(EC,C;IK&V
M]F-`U&IUIJ9_B254<>]$NJYUTW``O.5E%=34T7O.)5V7MF17.J/=KK[8=.-<
MG9"<Z579&VN,/ET;4ZHR;M5D[-B5LIQCH>N90,%-/6G&'R,0>T6'QA-MYWW6
M`*7&<,=F+3X<5I/KL=&V!&&US`2OVO3)MH"4A!93>':05VHY#\8[:Y62<K=-
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MU.*=?)4^F+<0`<THW[9;8X*8),G2PX@-[("0)2HVSODE6':3Z-+3*0*2QJ"C
MC$R$U--J-7^V>VN^FV%MRZ72UBI_+)TVROJWK35[9V3>W51DI)SC)PK</F)H
M>I70#(H3)MN!D6B,;K!&O3NH%9FH=#P/C>KACJ,&C2')GD2"0*4KVA4A,)5]
M4@W8`*DB4\EM1A'QKL=RQY0AO=-%>.I*6OX56^+JE[)1G&<HW0EJI?*]%.$)
M1^YDHF*Q\M`)N>96%P9Y&TR%E=SG%N-6M?D9J>8\E:BT^VC30XI5$:D;BWJU
M:Y*J=UQ2P1RA::K*3J2:HI&W&\:PL55='(OZM=L9PDY1;CLC."CIMVR3KLG"
M4IQE;-3<I6.R,)QD$CK2/RQW?'58X.:=<XMT';A'-*PI$N9'*O9"^2^*O#:L
M**$>G<4KA)S1'$G]LD5IMZ).),(,.+.:)ZG*R^T8N=?DWV6S5DX4QUB]'"5$
MYVURBTM5)2L>J>L91^647%R4O.!4*!,F`-LF<]:9(:[.+T]31&[-1T@DJUY0
MM;8ZZ?$CFQ.$3&G4-[$@)(+3-B8#:4B)`@TE`'J[:?$TKL54()T]PRH9;G*<
M[5*+G8YJ,9;U*$J]'&$$E&N*K4(JK8D>RMK*.'Q2)Q)M-=HZE@0&?YC.C(X"
M"]190PLY\?;%2)4YEN:=P&6R*CDAQ3@2L3+$YYA:DHX!@P[:>PY%G9\26%@X
M-+G5#%V=&4)?/6X0<(M.6Y2^1N+4U.,XMJ:DFT1<^AH<J"4%4Z3%7I6E$WS'
M:R2*58K':MR-VEP&:<#4EFC6,J>1/JPPE&BVA3E(E1S8`&FDTQ`-M1PY>-8$
MU%3NR);H[;=;&^O'J2MV7:ZZP5DYM1ALBH2E2ET).I^PKIR%+64+">0X[;PP
M>?U[H(5Y@3?FY92MG6R@KM=`Z>]FGL:?L3?NDZT+6M;Z<;5IH;Y]@[?9CK%E
M&?2^FOH^]QZ>0XNSC[VX1T?LXD&;^-\:$G?@2%^DKP8Z/MFO3.0%S$4V1%38
M]H+K+5.,>0*"E8?+!"P*`H6U@EB+J)#2RDQ29:N(4S:CK:O$L-QR5E9-UCG;
MD3BMWRU._(>0Y0BT_F3V+Y]T-(M*$866QG)V.BH4Q-,A:@'R-S^=8=[D#B\/
M9JYR<5!EB3FTE"K9_9%$I!'2^Q7,P)*<LI*G3#*3$%%$$EEA;5Q1S,;QOMV-
M1E4*5L^O]^4IMRD^O=DMZZ:+6V^QZ12C&+C",8QBDOF)H"`I7UC?T&GAO5,^
MV<1Y2-8F+`^"CKZNDD>$ZJQH3'<G;6[N1NQ[0*47E!-L*1?WM&`!`6U&,?%^
MUPR<;*J5D)U[==&OGZ<W9#<]-RVRD_N2AOCI"W?6E%?NPT?&V&1-DJ`\21W?
M&UT0.'E-^5H%[DN3,D6FL0CK6Z.);:E5NX&1HG[E_3U@E#TM,&`2U:I[/6LN
MAEC>.8F-ETYJONLR83C+=-QE)J%=M5<92VIRV1OL^>6ZV;:=ED]"Y\IZ`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!C1RQ]5
ML5_>7X7?QBT3@J,E\$&`,`8`P!@'_]'OXP!@#`&`4UR,^SW>W^#5G_J0^8*N
M:)E7/J]@?Z&1?\B(<!\V5QR<3<AE='3=/Q3<(0UWX9\VOF&NL<!AD,(ZDO8!
MRCRR`E$XF;[6&!<0)^@D?]+$5]S7QM8RW;7L^\>8\QAY5/QSN,?";<:'D[Z?
M1=_]TOQ8=3?HI?\`E=11X/YM/M-2/S<_F&/]ON$7^AN7F5FK_,?V3X;])^:?
M_P!S\=_9+_"'S<_F&/\`;[A%_H;EYE8_S']D?2?FG_\`<_'?V2_PA\W/YAC_
M`&^X1?Z&Y>96/\Q_9'TGYI__`'/QW]DO\(?-S^88_P!ON$7^AN7F5C_,?V1]
M)^:?_P!S\=_9+_",M^&;3XIZ"T'X[G!)^.KU4XH$Z%QY+42=65)"[#W(8L)I
M4+1'QYI!MC!&P.P3=:,%OMQD_%W]W6<.KK\^FA[GT_H]:*^\Y,O4;,[39V3Z
M66Q8J:LZ^^O:WK"/R=/JZ\?O./`S,Y"SV=5C2MCSBL*[>[8LACC2T<#KQ@3Z
M4+9-+EFP-[`D4Z$H2Z(94[FJ+4.)VC-#)0%'#!H9F@@%G)M)M+5GO_*>Y]R[
M/X]W;N/9NU69W=JZ7T:(+5V6OY8)\5I!2:E8]=5!2:U>B>L?P=Y5SH20.RZI
MYP5=9S$^M,L>+#@5FSLE&/4D13]\7O<PB:Q4G4G&!7,DK7FKT6A=8(D;B-.7
MHHE$4`6JG?HU-,^/>@N;ZD5]L[OV3U&[-F59-=\KZ<BY+\17SE.VIM-\862<
MX?V;'%;8UQ3V2WI`#[']%;(5Y32E(++/?QO[2$8E40<&FKK-,BLMUO6]$==C
MFQC8:2`_0DQZCLR3@&%F"+%L:UT/KGDG:Y=V_@N/'?%1S'/?'G5*./D=.WW?
M)=TVE+Y7+2,DTVGC%(9%R#;4<U<V:(3F/35XFTC>3-1N/*'>+O<B@]5TC$4P
M4R3YLR9<JB,R?&EV.9E"Q<V)QMJ4T*GI<!)BBL6Y<=%Q_P#`\=E97E--?<+L
M?`R:NXV9%D_PX.5<[*<;$J6BZ=C=5LXVNJ4IUQ=<9*?XKA&,V"_W01*I@F<G
M"TE,-.GX]O$A8X2J3N\5AOS@DQ+7'HG#UM=.6WP\05+.WJGN/.4A+5,:92Y"
M):7'8#C[QU?/0[!97D,<W/A;;FOM[ROGG"EJ5=6^Q1A54Z);WQJA*ZBR]2IC
M.YQHMTE*&L;K?#"&#-L89[+)//E[R^N`)7%R"FI^;YYR&L0;ZHF2=AA86N..
MR*(*4CFN%IS2E@`M3C;4NBRU@A3YN&FIP,:_R;&7;:<.C,4G?.<NI6E&<;LZ
M_>[5"K;7)5.-D_Q(I*<73#16-W3Q_E,P>)3*F63O5DN@6RK:9>E:6RHHSQ-Q
M:YQ('>W4<Z3MR5MCL:,6(A*HXDUVQ9:IJWU-!;E)J?75+RCK[?<>A\7S<^_-
MS<?,R,N>S"Q)M9%<*I1NG+*5RBHUUZK6N/%*5?#2J;CP5:,\3NJOJ$KLB/I&
M4J5@@8"#6V%5@='I,SKFCCG9XFE)+3G*1RW3V\$6%Y&(+-`F;M]^ZQ8BQA5;
M*#-&HKW_`-!T^/@^0]K\9[5'%KK6;]-HXTX[A9&4<#(VJURLMWR5_2BFHP^?
M5--3VK]KJ=+^A,;GK1!5UI2AT3%N$@@TJ21UM?5BJ2$P$:U'$#6R.5^YEK6U
MWF*7:A)I04W-"13LQ,N<`(QI&TT]R3T,O(;O*.W8G=*.VV9MUR4ITV*$9MV*
MG55.-=$M8RM6Z.Y5U1EK"RU5NNF4M=AWNUE*7]K=YJX'NTGMYK<64;"P+2(Q
M!6FS3]19\B+9MB*-62PBOT*@UDTN-5IW4Y866H*4`TET0^;FCG7OR6E3RJ;\
MB<K+LJ,H;(-5TQR'TYU1V)NU4*3IWN4;')*:FE#;YSZ^6,G:D@XT;<CC'7!O
M4-Q<E?8>J;)DSZW83D26J>&=MKUSG*ILTU)2T:<*=G"\&-Z@A6H-3="ES*/7
MV:Z:&K)R>[1H@\.7<)XDH./4G4XVQ_'DM90C1*YQVI0BHU=5PE&R<H?/=&1T
M:BGKI4\Y<K08)67,INT0MYD3<`I/$I2[/J[C/3C5*B6L:0]E;V-Z^=J!P1!&
M0:E(1KR!A",K172&K71Z\_Z#E^-U]SN['W*WO.->NX9-=4[(\*K)3?;\6-BC
MHX1A/JQG#5.*A--)QTX5:P1AQ2%-PV%GD[9%XQ-:2&&4Q"F)32TNDL<;%$H:
MCHK.8`E84(I2GAX5"-4I<FAG;&?9+J(L"-,6WG#S'33ERU1TN+AVUQI>+CW0
MPJ<C$_$JQ+,2VRN+LBZ[J%!=15:PE*RJJNK2QI5P54F>VV/UY=FS[=5=L`:C
MD#7Z>3A0=&)XB,H.4J"UC;0Z5IC9RZ4Q\2O^B+U"(#V4F8RDRM`I-=!K#QWY
MOC\?Z#D4Y/D>E'7GG=!QC]:^BMU5C;UCA*-;=D-?EG*"N4:5"=4W<[)/SXEN
MZFUZO%:>HLEN8Y5&$#Q4LJ-KUK=9&.:E4%6K:[R:SH6G1-05<G0+FLL38V)`
M(6A4N1.:(\`%HD!&./S?I[#7@_[AIR/([)3RX8UU,98UG0C*SJK"QXRLR*DH
MZV1<5TZXJ%4IPNKDE9THF2]'KY4O@A.Y@0_A=$SL[)B%TB$X=\=FWO/>$2\A
M,^0ROY.@0E@4;3%D.K66N+[OOK'KB^S7*<HZZ<3U_CEF;9VR/U\;>LIR2=F[
M64==5)*=5%D5QVJ-E:FMO&5BTLG;V4[T8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#&CECZK8K^\OPN_C%HG
M!49+X(,`8`P!@#`/_]+OXP!@#`&`4UR,^SW>W^#5G_J0^8*N:)E7/J]@?Z&1
M?\B(<!\V3/!!@#`&`,`8`P!@#`&`,`8!^(4Y`3S%02"0J3B2$YRD)8-'FD)A
MJ#$Q!AV@]H,E.8K-$`.]["`1H]ZUK8M](QVQ4G-16]I)OVM+71:^Y:O3W:OW
MG[8,A@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!C1RQ]5L5_>7X7?QBT3@J,E\$/X$86
M#981C``1H]EE!$((=FF:+&;L!>M[UL8]%%"%T:Z=]4.]_<UO!&TM$WQ?+_B?
MW@HP!@#`/__3[^,`Q4L6_P!WAUR-%=I437W$2NH$JM.N8Y6N4OA%NS=WA87`
MJ:M`#(37>HN-G-/2I'OM%<G4@,1)0I3.[G*A233.V)2PSE2W-#3'U40C#Y3,
M9E`UYSB"0N;Q=$W+AJ;R&:1K3>U)840Y-[B;L\I;Y7"J-3`VA$G[<\-"O$G(
M.P#T$`V;'X<6XWS'HU+*@T!0]F)X\T/<CA[6^(YZ7O8!/;C$8Q.6]X"-$:W%
M.RD1[8#231`'-2&A(Y[+'.:<3KT=WI&A0O"&ON140=BVLU0:V*7.OS)_`U[H
MW:5@"J3(7E5&QJR4YHC3$I9^B1&G;!LT8>U%Y5SZO8'^AD7_`"(AP'S9,\$&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`,9>6*I$37,'
M2+#1E#=.37#Y*AZ@!#[5:CY4T\]A*%L(1:+`).TF;V(71KX.CIZ=ZR-Z:?:=
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MFUP4M,:V4Z9/_+YFEF%?%/;E-Z1TKC.[J1Q5&>/O4[//@<I9HUR(42M^DL`9
M5":S.2"BQ=C</)]^,E=,R6S7Z/NW(8Q0L.1$\?(^B8`!C(S2$Y2(C<<&G5""
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MU8NR_HW?.K\W/F/_`/4[C\?'#3]?\FO_``_^!OZG8/X+KUZ-?J]-=_XO\&_B
MNFO/=_#]/EW?W'T?MZ?$_]3OXP"K9%3T+D\M1S)R"_EN!"F*KES<W2A_:XX_
MN$%>OG%"G&01U`X$-3FX1IZZ#B3A%Z&?HLDI3L\E.G+*#4\1%149,,AKK*7>
M52R4QAAK]K>']9)'QN3SMTK5<>^1:22^.MCB0PN3HW2I<I="NL3U`J3@Z%H8
M"$X2@/Q(XZUBF0N#<4FD^DZ@J/)F;8YQ+S#(2WQ*1D2^,M<"&8\C^:+6RR9,
M4I*3H]%EC*(3HS=&($J5*0&IY-O1-EA'%V[(VP%*RVY+45QK=C<')P>'%8XO
M<>E+Z]NCDZNJE8XN#B[O3DH5*#C3!"&<<+?P:^#0OM1:U<^KV!_H9%_R(AP'
MS9,\$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`->GB%
MO*IK0<,D:;8.J_\`B$\5&I:$7^5W$N4.CML8-:-+W\5:V$:WOH'K76Z-Z^'I
MUC+G'[?YSRGD>D^X^%8\ON6=U>O+_P`O!S;H\_[=<=>#^&CXK87F1ZL_$Q.0
M<-.8<02:8D.$H2F&%@&-,>(@]*(].(0=B).$F4F%[$'H%LLP0>GH%O6QBXQD
MXN44W%ZKX/1K5>YZ-K[&U[3\7%N;WAO7M#N@1NC4Z(U3<YMCBE(7-[BWKB!I
MEJ!>B4@-3+$:Q,:(LTHP(@&`%L(M;UO>L&-M55]5M%]49T3BXRC))QE%K1QD
MGP::X-/@UP9]F#8,`8!__]7OXP!@#`&`4UR,^SW>W^#5G_J0^8*N:)E7/J]@
M?Z&1?\B(<!\V3/!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P#"CFK`RI&S4=,SW0Y.&NN3G%I8E:2TI8RW-QDW*>B8Z6J/6;-":G`V-
MRE5K180B":)1K8NC98>F-<4SK,KMD<ON7:>X2N:6([6HZ?>E9#IZM\UMBY</
M;N^",U\IV8P!@#`&`,`__];OXP!@#`&`4UR,^SW>W^#5G_J0^8*N:)E7/J]@
M?Z&1?\B(<!\V3/!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P#&CECZK8K^\OPN_C%HG!49+X(,`8`P!@#`/_]?OXP#'"6\AF^/7(AJ%
MO0QAQ<"D]>*9&8ZV`V1I\1@LR3N\;8BX]'EC6J3/JA"!D.6*2UK@T#5%#*3M
M6G->(:0L4]Z67$LC<U%'DL1\KQQH<ZM8Y?)?+Y2%<UO5PRX4,BB!BCPVM0!_
M\EN!Z-4\C/6MH4K>N*&D[^>$U,6!!$O)1T4(8TH%7.B5EIL\;D=)(A3`D09B
MPR21QUC$HEZD#!OYAKXPWR]L=G9.0![T6WJ!:2&+590DN!H>A9$Q,G7%.\7Y
M0T[8UY-:W[&'AJTM`YIT;_!DTXA$@`WN8$Z,3DT&/<>4#1*3$Z4X]((LPU.G
M,$(D`>U%TUSZO8'^AD7_`"(AP'S9,\$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`,:.6/JMBO[R_"[^,6B<%1DO@@P!@#`&`,`__]#O
MXP"EI51T>E4TW-#9!*F@:Q762^1QYF,C8(_+5M03`Z<P)6]^4HTYOR90TOQV
MMF#;EZ#:M.462?VA980Z%U/)(HPYT415\FM@2=VD:1KJL=AD,22,1^(65,:H
M=MRE@ECFR_-]<[L*@N6B"IV6U.2+2A*F2HU>U*4@)6PU//3\9XRF0I$(9O8A
MFXVACK16*TU9$!+JA9(O(VN2-S-`S]0P(3TBHQ@;4:\Q]"]*G-N;R4RLTX&S
MNU#4_BTX<A@?%B[XX@7NCL$%67@]KW=[,1&.SP^RQJF,KDCPOTV(&IJ(4.L@
M>U2C9*-*E1D=IV9!)1(`%A#VHM^N?5[`_P!#(O\`D1#@/FR9X(,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8T<L?5;%?WE^%W\8M$X*
MC)?!!@#`&`,`8!__T>_C`&`,`8!37(S[/=[?X-6?^I#Y@JYHF5<^KV!_H9%_
MR(AP'S9,\$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M,:.6/JMBO[R_"[^,6B<%1DO@@P!@#`&`,`__TN_C`&`,`8!37(S[/=[?X-6?
M^I#Y@JYHF5<^KV!_H9%_R(AP'S9,\$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`,:.6/JMBO[R_"[^,6B<%1DO@@P!@#`&`,`__T^_C
M`*NF]K,D(E-?P]0WNCN\SY^+:2P-0$@B8XWF%'@!(Y":K5)=)VLYUT0A)+*[
M96H//V(HD9*=6:0+H>7*+D11B9@BNXK(W5`D6UTUR.6-QT?TS1QUM64'1"&-
MRA,L>DKTO4F.X"!+@ITQFT:5<E.Z#`F&=D&A"TW)=M4(6Q7Z/IH4;-6Z./E2
MHS54/[>SV&3R-FC21T:M%R<S;'IIW(F]T="7'2<]"RN!!VPC5:5(DP:']V?,
M4\\XK7?(B&MQ9!^B^]&%Q9W83>8X-;Y#VZ9Q"0MYYS4M<FU3I&^L2DL!Q!YA
M1Q80C#OH%@>U%QUSZO8'^AD7_(B'`?-DSP08`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`QHY8^JV*_O+\+OXQ:)P5&2^"#`&`,`8`P#_
MU._C`*'FG'>!32<-EC*5,R:I:BD$)>UJUFL.PFMN>$\`,=#HZRKHVW2M'&=M
MB4YY5CZFD?5V8J4"%H0E!VQBZGE@IB4ORJ,OTRFR0EW7H:==;:98PQ%`8)'/
MJ@?`3)I=X:N<SA.<:9U\IT62N*5EN!ZMH0I""AHSPGJ#PU/)3<;#$Z!C3>D%
MQ.55PUQR/TLL,CS7K4#8(Q(V&2$(7HD!P#)DHD`8PWM#P>$UM$J8T119&DJX
M2AQ4!J?39D/#!>*EX,&W10]JS*ROB2.SLH3IT>U[_-44VFDC4)D*76RF]N&_
M/ZGNB?KG#3INS+&:<,(C1A[47-7/J]@?Z&1?\B(<!\V3/!!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#&CECZK8K^\OPN_C%HG!49+X
M(,`8`P!@#`/_U>_C`&`,`8!37(S[/=[?X-6?^I#Y@JYHF5<^KV!_H9%_R(AP
M'S9,\$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`1]KED5?':0,#)
M)8^\/L3/1)94RM;RW.#M&5+DG&K;D\@;DBDY8S'KTI8C2`*0%B-+#L0=;UKI
MQJO><6G.PLF_*Q<?,JLR:&E9",XRE6Y+6*G%-N#DN*4DM5Q1(,'*&`,`8!C1
MRQ]5L5_>7X7?QBT3@J,E\$&`,`8`P!@'_];OXP!@#`&`4UR,^SW>W^#5G_J0
M^8*N:)E7/J]@?Z&1?\B(<!\V3/!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`Q,Y!\Z^(G%=:B:;[OJ#0%_<#T1)$6,4.$CF!9;CH(D;@OA\002"3M;*<$
M6M]_4I"400_"(W6OAS"4X1^](\/Y3ZD^"^%V5T>3>38V+E2:2KUE9;\W*4JJ
MHSLC!_ORBH>^1\'+SG-0'"FHVJXK>?G!>Q2A<G:X*RP9(EDDBGKBJ;#WDDJ,
MDB7H&@Q#Y+(V>->J6)F\L`R]".T,XD!B<XP6Y\C5YWZD>+^GG8J._P#?<F<L
M:Z2C3"E*RRZ3BYKIK=&.FU:N<IQ@DUK+644],$V\9+GHC7L=YL'AR6)&^("`
M@2!]5R^/S)7.Y0J>VYX4L$K;I`0V,[9'(NF.0$Z&,+4YH-[Z2S''1JQ($O2[
MK-5)5O8?G[N/K[ZF5VXWDF+Z3Y=/@<5MF[86NZQSC-PMC-1A&NM.*X].R'L=
MNME:6#E.1_GKP%=:W\5651286DR<JG*P'WD[4;$V.Y;DS1N<.)D@@;U*DH"7
M(+'IU6+-.;6J,+`%H$$IN.$7WT9)F"5E>EK6NO-'SCL&+ZF>F-W:/6K-PLC-
MQ^]3OGW#%A&6Z%=TM],[%I+9N;ZE<FETOEJDUU'%S6/\J_&!X=IV_G)?K$LD
M7&3D?8,)FEB0V5.B=U.K-@>9&\H&R(Q&$.;^7):G/>X025M":0C/0[*VV`<!
M[6A$1A2NA\\ONMG8XOFOKQX%"KU'\GQI6^']VRJ;;ZK)*3QX3LG&-55,I]3&
M<Z4MCC!PTZ*M?43B=>\>?V:5L#'*8XY)7B/25G;']A=T0^U1.K,\HB'%K<DA
MG1KM$JY"I+-+%T:Z0"UO.9SXG[MQ<K'S<7&S<2U68MU<9PDN4H32E&2^#337
MP9[&#>,`QHY8^JV*_O+\+OXQ:)P5&2^"#`&`,`8`P#__U^_C`*VE=GL\.D#.
MQNC-*3D[FLBS<KDJ!GTHC3`NG,CW$(8E=EQBHA4H.D,GZ$F@MY"[:#8RSE_=
M$QI1PP/FD5NQ>,2])#EZ20'J!CAY+N]H&D:J/1E58L@6Q2OT;XNT<!1M5+9(
MWF)"@HR%?<A;*-7[2)STYQH$5(Y&P12@/7E-LQZJM/'ET)3CCPBU%GM4MD:2
M(1EW@775!3JVYUDB\@@0UYC<)"F4$."P*9L4)UIHNAY]M2UJG'%N[9$S@7$)
MCJEN=L4HG1&-"YM;U'&*61R1,KBF'L8`+F20-*E(<(H9J<PPG8R332A`,$'M
M1;-<^KV!_H9%_P`B(<!\V3/!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#'I!RHHMSY(OG$E'-R3+ZCD%2V*[0L
M36\$A)C2L:#LQE/AR`MB5N8$KLE4C1E*!J0I3]&]3J!,V#'='=LU^;0\K5YI
MXW=Y;D^#5]Q3\FJQE?*K;):5O;RFX['+249."DY;7NTT3TR%S(]4>26_L1SV
MJC1+TTFR-"W)7=:P%N*,;VC:5YZA,A<U34$[:Y.W+%*0TLH\9>BS!E#"$6]A
MWK37V>TT+*QI9$\..1!Y<8*3AN6]1DVE)QUW*+::3:T;32Y'K8-XP!@#`&`,
M`8`P#\S#BB=`V<:65HPP!)>S!A!H9IHM!**!L6]=8PP6^@(=?#O?W,$<HQTW
M22U>GZW[#],%-</-?Q1^,?!&:UM7]OJI4[2BPNHZ*VN$-B)Z5P>%#5G-H)O*
MTJAS;U(&E4Y)CBDQ"0"E8JTE4"+*%V6M#USMC6TGS/DWJ'ZS>'>FO<.T=K[]
M.Z>;E?,XTQ4W35JX]:Q.47M<DU%14IRVSTC\O'Q.8?B@T;QVXKL'(.L7^-WB
M[6X<='N/D;BSMI>EGTLUU"%@UFD&Q.B5IAIYP/+)&BRUI"G9:`6B51X.K)VQ
MC%23UUY'&\]]9/&_%/"\7RGL^53W*_.;A@UURW*ZWD]=OS*-3:ZL=%-2TJ>V
M<EIK'CGCL7_6&K(I/E'Q,+4<UFN;5[%:NI2JDLDCS7+-6$V%K2"'LYS=[2<T
MCJU:5(1IRT`UACT-U3D$%$Z`>I!KZ\EK&4/G]Q\>Q/S)^4=F_BWCOF?@Z?J'
M#(HKQ\3&5D(V]>.J4W*61)2CK!Q4'-VNR$8QCI*:F_"+P@H=<_'"RK1Y_023
M.?*WDV\3MZ>Y)+5C@18%3-[JM,2,*QH;%BA2T-,P$M2">-&J$IIA2=20B,`$
MDLPD5A2I1;L7S,['TZ]",#R#Q+N_>?4_MET_-N\673G9:Y*_&C)Z0<8MN,;=
M5U=91;491K:44XNT>+O@PRJ"VI4%D<LN4\KY+,W&7:9%QRJT]`XHH/#D3(,(
MXPO<RGYY>Q]9G.(2'D-Z$I,`HYL1A-5JDI`$H;&G1Q<YZZ<CN?#?R_9O;>]=
MA[OYOYI?W?'[/HL#&<9*FI0_NY2WSG]UJ+4(**3KK4K)PBH+?3F\_3(P"G.0
M=(0SDE2EET58*?9\3LV*.,:<32RRS536I/"%0S2%M"=K9.G>,O:9,XHA#UL`
M5:4L6];UK>LDHJ47%\F=!Y3X[V_RWQ[O'C?=(:X.91*N3]L6^,)QUX;JYJ,X
M:\%**.1UX\-?QB*[CX)HV6#,G][X:36!P[BW#XO,6=W1S&"H']W6&S.(1K;W
MIM2,S.)0V;-0OR02Y:VG&HE)7=V\)&<3IW):Z\N1^&;_`$C]>NU8J[A3W3(M
MR/'\BFKMU5=L)*VF,Y-VU5[]JA#6O6%T=\ZW*N:VU;3.KA0^<T^*'B6UIQ<Y
M8\CYW=HN3G&ATMA<RR>1K9#&HG9Q7SD>UK+%#G1<ZE$"B+?6SH@'Y+VA1JB#
M@FZ3!*"GZN<-\+5&<M=4?2?3S)]0O"/5[M'AGF_EN3W%]X[/+)E"RQSKJR%U
M)N%;DY)=*./9!]/9"2:EL45'3I;SDGZ\,:.6/JMBO[R_"[^,6B<%16=Y<_*0
MH+E)QVXI31?U)OR#\I=U<0+4Y+?".W,&U0#YQDF`$<+TERU.>TMO9[UU%)(A
M&]4O>A;PE9&,HP?-GS?R/U/\<\8\S\4\)[A;_P#<>Z;M):I1IU^6CJ+G_F+4
MZJ].4DV]%Q/2Y+7A:%73RM&.-*8#"8A(SUFE4\M..RQT@3Z]$Q"RGG<+?)O&
M71O;:8(2+8LTZ$\.Q:SO?EK0D*19MN6IC$FTUIR_3]AN\O\`(^\]F[GVC&Q)
MXN/@6MZW9-=DJ9S561/I3NKE&.(DZZOQ;5/=U=:X6=*R#L)GL"SR[U)KQ^,K
MYR975EFTF'&XNV/GSKKJ(-#^G9(!+)I,5DE5,KKNR=EGZ3-0&1J/+/`J"F4+
MBFE:>*ZO=I[#M:.Z=Y7DD>U9+Q9X\Z[K.G7&?4HJC-0IMMM=CA+ZCCMK5-<D
MU-0E9&BR3A,@OV=,$X?7I0GAOH6BUR-5(O#>%I?CK$-<'2",[_N>))!I_)82
MT*6:R%,S;8MLYIAB(LQQTYZ$(*#4<FGK[-=#KLKR?N6+W')R)1Q_]O4]PCB2
MCMF[W*5,)]93WJ&BNG&KH])MP3MZVK51XD-N3D%)D+<WJRJB0R.P*?B%XPY>
MDB]@NK;!XTY.B<N<1-\C3;)5C[;$CB38\-ODU2WJ8P&0*5)H>Z-^B`Z/)R^'
M+4XW;^_^49E=54U@QR\K`JS*FJ[Y1IKE)=:J=<;'/)LJC*OIRA+'Z\I26RK:
MMT-^M98_S%^=/:L/?^\?-[NGU?[J[KUOK&^AWTB=I\Z^MY>^;7]-]$'6]('?
M?B=XZOWO)N>FO_P^/Z<.9P/][=V_AOUNM75UZ>GT67I_]?\`2]?^\^_T_G_A
M?_UN_AO]A__0[^,`HZ90*=R:VH))]NT665K"TQ2]-#7%.]IW'Y]*%;@F73-4
MI1*AMSZ>RQLTHAB2*"BDR!8H6*SM*5'D\QN`B(ZIL:6+F&22!XBL6%*2J)EE
MIQ%&T.+XH;9U4<E2S8Y'$)/\X$B8QK=G!&C;#1J$9FBTS>(\L(C%0NQ%U(^E
MXY3,A#""C9W&#5]*L,:BU,*00YU*+(96.1Q1U=S9Z7N7F!>725QN$MK.:-&%
M*4A-*4.)`-[4@0I`U/=L"(+H/Q/O-D=71(\NRJN^0LK=W!O;SFIN,=YYJ>SE
MT(;6]2X.JE,W(5\C,(3Z-4G&[)+#L8MBWO`]J+OKGU>P/]#(O^1$.`^;)G@@
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8!Q&\DHARQN+GOXF7-3BI/R86[\)GQ&U2AR1.JY-*U,;C\)>JQ?6Z&HV
MU@>&9W.:F:KG,]Q2KAI0%DAV,0Q*>KH7"DINRR<']T_G9Y=@>;]^]3?5_P!0
MO"NZ+'O\=L4;)*35CKA3/'G&I1A.$G&&/9*R,W%)<6W/GT&?\V:B83X?%3<V
M;!4JWTV<-S)#E<(A.FY6_*KQ*95YDIA($ZI:C3LJ=O=&%:>8H4[!HIM[(\)9
MG;$%F\CJQ5:F_P!&?J/_`+X>-=N]+>Q^HG=)RMEDPA4Z:=KF\S9+J4Z-I049
M0G)REII7MDD]T5+3%7OB5\:I9>=2<TY[(&F#\E[`Y315N=X&V@?Y,CJSB$=5
MA-`O\2E<^51-A9^RU,')?/-)B][&+NY9FR@#$3U]*MBY*;X2U_DY?TGY_P"U
M>KWB.=Y)V/U"[GE0QO+\KO5<94QWV+&[6\984ZK+G5"&G5E/,VKC\J>B;CKN
M-9?$RE4VMVH'&-4+,HCPYD\W-K2:<B+28SX^WO\`([!7RE@H.3T\[$/WS??Z
M_DDCB1:9W5'`..1BD+:`8$P_@4;5:VUI'Y/?_P`-#[WC^L&;W'OO8;</QG(H
M\!NR7CVYV3!PC.R^5D,*S%DI[)T665*-LFFX=>E-0?WMNV;C[J,`8`P!@#`,
M?>4')NJ>(=,RN\[B=%:*)18D@`&UG*1K)/*'A<<!,UQF)M:Y>UIW-^=%`]!+
M+,4$$%%A&<>:406::#&4E"+D^1Y;S+S#LG@GC^;Y)W^Z4<&E+Y8I.RR;>D:Z
MHN45*<GR3DDEK*4HQ3DN=8[CU=OCF67;EZV>W6EQ]XMPBN'2(\1(=)30M!LA
MLX]M.,:9\_LQJ-:C=F4+DJ,4/:M&7TFDFI6M&O.TC4&AX^V5[<GJH>P_*<O%
M?(OS(=X[[Y)WBK-[7X9C8DJNV56/:YY#B]MTX--2AN;E=*"XIPIKMETYR4DK
M_E?XU7%>D:THJ0\!%MDOS,R^B.$6@>YJY^X'OQ:[:2%O$V#`9$]-@(^P,.@(
MS%*]2VIEFB`*#7`OH-T84[HQ476<OM?F_P"87POQWM'C65Z8RR\FNOZ6G(<G
M?)SUTJE=T;)QV0AI!RG*N,MJG*U<=<V^%WADS='85O<H_$3?8#R+Y"WQ$4,0
M=XHKC+.]P"!Q(U(D3.L="C5-B>..B]2VMB!!K:-O(3(DR4XLHU5I6:=O9"MZ
MN5CUDSZ)Z?>CW<:^Z]]\S]5LG%[MY3W.A52K=<9T4U-)2AHXJN4G&,(?)",8
M1C)1E/?*1_=,>!YQHHWEVR\E(E))*M@</5.<J@''^1)"GJ,PNRW'28@B5MTG
M6N)JY8U,2=,`U`A4HS%A"Y.E4#<#-)2RMHT1C/<N7N+X_P#ER\0\;\ZQ_+L'
M+NEVS'E*RC"FE.NK(EHE9&QR;<8))PA*#FIQA)VO8HFU951M++;/3W8MJ6MU
MEPHVXAI16DKA4<4V`B;DQ*E.0D12X]N&^I"BTJLPK[V>'>R1=GOXFM!UMVK7
M71:GVN?C?CUG>8>16=CQ)=^C!162Z:W>HI-)*UQWI:-K@^7#D6GE.Z&`,`8`
MP!@'/WXPZ@7'OD_X;O.LQ+T1*KKA<*MM1TZ31"11:8]R<$@BRRM].ADQ<F5F
M!WOXHCM%@%TZ%T;X]WRRKG[$S\O>O4WXMYEZ2^I+A_D<+/EC9,N/"NW22Y>Z
MM9+^W1&P#G[SNAO$#B.^<A(LZ1.=/\G`W1ZBT!#D6]QN>3.1A,$TJ25+$O+\
MKQMG;$ZEU6"3*BNW2(Q%%G`--*WO998H0W+G[#ZAZG^I6!X'X-D^4X5U&3E7
M;88<5+?7=;9]UIPE\U<(J5D]LEK&+BI*4D:Q&;C=XC4_D%!\QN<?(U&TI(S?
M?$YSB'$N`-"IOB+5JQ+[J:);+G9"90SM2221<N5FG]F:7(56EI`->4``+[/>
M$862:E9+]1\^\0\"]5/)>^=A\U]3/,I44X\X7U=MQ4X0B]NZ,;]-L4XMZ61:
MOE):QZT3:];OAN\*+YLIUN&VZ,;)I9;T-I&X2U=+K$1.`ML+>B:V?24IIE[>
MA;@-R%O)`4%,44$.P=;HZ^Q"WL=<)/5QXGTSOOI+Z>>2]WO[]WSQN&1W>S;N
MM=MZE\D5&&FVV*CM44EM2Y:\^)<%N<=V"X'!C5NLWLF-I&Y*I:7MEBTE():)
M;'UD9FT35M#HF?&Q]&S*E3-8#D2:[,PVM\&6:#6UO20F$17'7VG?=]\5Q>_6
MXUEW<<NF$(N,X5V)1M@Z[JG&2G&>QN%]B=M3KN::_$^6#CY33QK1115:KI!K
M1LZ-NUICF;DJ$:XL#NV,4EE+8-J:'UM3J(^0\'@@*,M*F8D9[@-,WMZ!.C+"
M%.26`+;ST;XFBCQ&O"GWJ[MO><RF_-ZLGK*$HPLLCMC.*<%)]%;8TQ<W&$(0
MK24(I*3J*#AZFQ]6*<ZRP>A21).E,'&\$&P5=8C?"BZY03Q8WG-YCT<\I(22
M4C"DTX:9=G$%+A(1.18%FKHM=3F2\8P)]V_BLKK_`.^5SIW+HN^-/0C<XN.]
MS5*4-N_I:J-CK=R5A$&;BG"8^VGHFJ96@F7HFN'1V!R+<H0FOM6Q.OESDOAD
M3A9IK&-N6,S0:[J"U`GY,]K'E,(!#J>N(((+*FU>\X./X3V[%IE71W#,5L85
M0ILZBWXU5#E*JJK6&UPBY24NM&Z=L=(WRMC&*CZ/U;&'N7<_2!9?:>5/G?Y3
M[[#?+7I4^<'EWTN>5OF3WWYW]V__`!'<>O\`-?R!_P#C?)/=?O>-OQ-O^T<;
MI]/^*9FN_J[M:M_U._?]5NZ.O5T_"V:_3]'\+H;.!__1[^,`8`P!@%-<C/L]
MWM_@U9_ZD/F"KFB95SZO8'^AD7_(B'`?-DSP08`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#&#D=S0XN\26E$\\A+CC5>DN*
M\IM0-@R'J3R=8I-([SH2>&PQJD4M-1E)Q!&:ITBVF)T8#M!AZX.MC*<8?>D>
M-\L]0?#?!J*\CRGO].+&<E&,=)V6-M:\*JHV6M)<7+9M6JU:U6NFIU\:;D3R
M*DDAK;P^.$DNLI0[S%3$ZNO>;F2#=9NC:SEI-R>4R5DU'HFVQ'3;MR2B**<9
M,6$@E8G-6A*-,"A,T]:4M57#]9\!O_,)Y7Y7EY7:/2WT[ORYV9#JQ\R[?]/*
M,=.I99#95&K;NCHK,A;5.,K$FU6_XD/B+^*)PE50=W\0+B_4JRBGFR6NOWJ[
MJTE+86M*"_''+0.Y+.PS&5F%%M#*B6G$DKF1H[_W8)/:EG"ZYAV6PTZD5MUY
MDRO5?UE].Y]MO]4?#<&7C5F7&B>7CV1U6]M[E"%MNFV"FTITU;]JCN4N+JOQ
M">:37XED@:>!'#F3]%8%S)'(.4')]U,&RU%%()%%8^L(Q\6K&UM=(62Z_P!,
M[TH4(R'ER0H4C>,_2G1N\;)]3\.'+VLZ7U3]0J?5[*H],O`<S_[,LA3[CW"7
MR8M=-;_?;C&5*E\VZ4HJVR%<*G+?J9F\.HUPU\+*KYQ4$^Y'Q"XN1L_E*.1W
M*S1D9T\MR;/D@4C9V".1^EXTJEUCO2%I1N!QIP-I%2PX2M6N4:+).`45G!0J
M3BY:R_3V'T#P+#\`]%^S=R[#W3RVC/\`+,J]69<*];LJZ<WLA7#$K=M\U%2;
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MC$[JZ*8Q:$HBQII]?1X+*K*AO?1/[2U%IBG,QM[!M3(T(B`&!4]H9@XSM7+2
M"7!'SSN7CGJ-ZU8-^35V+)\>\([=V9_08:E)UY%E;UHAL:JUWQBHJQU[:XPK
M<4U/5QJIOYB>Y(8DX^,$NIE/,*]@$+88-?TF4*G!384VE*4L]'\[8R\#4(V!
MI<PQ]FTM$WN!1@G)9WO0U!!?4.*BR&MNJX>TX?8_S6=_[?#Q;%SO'UD=JQ<>
M%.;8W)WW6+5=6N>JA&6R&_9-/J2ZFLHK24<T`^+[XB8(8S<M7'P[T#=P=-TF
M7O+PGD[B\69J+K%8B@3%L=!.;.8&.$I?O@5JB'A:C_B[VN)+,"9K/K6:;^G\
MA]"7KOZK+M^/YQ;Z51AZ<O24YJR4LCIMZ=6,MT/PTN.^6+TWP_$BFF97V_XX
MO&2(>B=NI.'6-RCE]H0DFPU4)J)`F<)#7\;.;-.FTDU2D[<=H9<B(+/VL:BM
M&FH"DIAJD9)0B!'9N^"TT3;9[;OOYC?#\#^"5>.X&7WG/S,=7NG%BI3HK<=V
MER6[2U+7=6M7!1<IN*<7*BT'CO26,NK'(KYX!\@:6H"63E"P,EY/Y<BVT((X
MYJUJ!*[NS>NKEK:U[T2)G6*CFYO=5!VTZ<T*?O`R>D['KM<95M1/-U?F5R\.
M[&R_)O3#NG;_`!>_)4(9DU9MC7)N*E*+HC&4UMG)UPLD]L9*&]Q^;>@]713T
M;A15DR.UJWCU=GC:RR9X^SB,L\.,-?"DQ[,4&3.+FF9MG.Q*PD28';=8\)H-
M@UOK:Z=^Y):MK0_2.1Y!V'$[='N^7WO$J[4]NET[JX5:S2<%U)24-9)K:M>.
MJTYF/7-/F9!N)7%*<<E25;!-"T38E25JVHWDE0TSR8R!2!MC3<C<VP:D*ILT
MJ,$J6&)Q"$!`E/&'?2'68SFH0<CROJ%Z@=M\'\)[CY?&=60HP2QXJ:<;K9O;
M7%2CKK'7YIN/*$9-<C5!Q&\*A3RL4M_-[Q,W1]M.W+67M=C16E_+*ULKR"PQ
M>D3.,6CTD8R!=\,UI#M-O3$6J+1(TA0$RX*LX:H`=4*M_P`]O%L^)>"^BD_-
MIU>HOK!=;F]]S91OKQ-[C135)*5<+(+CRV_@J2A&*4+%.3FET5DDE)RBDZ<H
ML@@@L!)))(`E%$E%!T`LHHL&@@+++`'6@AUK6M:UT:SD'ZMC&,8QC&*44M$E
MR2]R/TP48`P!@#`&`4^KY"T$@7::UUXT^B<MZ5"TW*[+A:9=L*$6@K=Z2'/0
M%'0C$+6C?B_>][^-T9-T?>CH9^4^,56=&SR/`C=Q^5Y%2?#GP<]>'M]WM,>5
MGB3\*DVUNTEU$R1.C5GMY3G"8%9\[87EQ3CV4)OB\DAT*?(]+5QAP=@+*;%2
ML1HPB"#6]A%T8]2'[QY6SU<]/(=3I^0JZ$9..ZFG(NA.2_JUV54SA:]>"5<I
M:O@N1&6#Q!&M%)@)KRX^WWQRKF5O$<0U/<%F0ES%!I,ADCL*,-YUG+V5$N3\
M=GI9*0`)2MLP.0'GHEB12(10CC$Y$ZG'YHM+]/V'$Q?5&FO,4/)/%NY]I[3?
M96L;*R*9=&Q62Z<7D2@FL&;LT4:\IP;A*N;<7)QCEU,+OIZOYI!:XF]G0:*S
M^S5^FROX6^25J;Y/+E@@J=EEL;(H4@<%I9IJ09(#0E]D-3L!`1;.,+`+-R2:
M3?%GN<_R/L/:^X=M[3W'O&-1W3,EMHJG9&-EKX_<@WN>K32>FCEI%/<TGXMZ
M493G*>KI53=OQYNG4"?3BTKPV`<%"94W/#4>6J1+4#HTJD[@RO[,KT`PL99@
M#`;^*/0@#$`245)--<#C^2>-]@\T[-F]@[]BPR>V6O24=S3C.+U3C*+4H3@]
M&FFFN3U3:?+9PP\/OEBIYOTWQEY41.3/'%S@<Y67:E<O+JS.1E9S8$GD:-XA
MP&!_-+4QM]W(9EM$ZGM>][.(2H%Z-26`830!XL*Y[U&2^6)^,O3_`-+O-Y^H
MW8/#_-,&ZSPSQF>1DT3E"7T]W4L4ZMDWK7/?;LL=?-1A;7-)J2.FCECZK8K^
M\OPN_C%HG.6?O!%^KI&PMCPQ1]Q=T")[D^W,,>:E"DLI<]"9DFE[J%N3BWH:
MK;>BWVIN@ZWU"_AW\&-?8<:S+QJ;\;%MOC')NW;(MZ.>Q;I;5[=JXOW(KZS[
MTJ^G#&0JPI(-F-?AJ!)"TK*_/QB-M0[)"YR1]!'VQT%&X@SB4E:6O"_NS8CV
M:#MCP=;73')+FSJN\^2=F[`\>/=<OIRMUTTA.>D5INLGLC+IU0U6^V>VN.JW
M26I_F[VJKYQ+8L"4]NZH2G,6S$K'(U;(X+61E-DCQ'V&4)F@V,R67M4>3F+E
M#*W+%3N2D*&:--H`!"TW+EJ7_<G9?J[,)9NM\5+E"QPDX0=DH0L4779;&"<Y
M50E*U13DX:)LC:?E%1ZI(^J2):XC/CHXJ4O8]P:P`2U4HFZI_11))'X69%0R
MV6+I`IBKF%,0UHEAP^X*-]7JE#WJ;H^\X<?,_')PR9QSI[JNFI0Z-_5;N<U4
MH5=/JVN;KLVJN$V]DN'RLN2-25@F4?9I5%G9"_1R0-R5V97AM/"H0N+>L*"<
MF4IS0_`(!@!?#K?0(.^G0M:WK>M9)I\5R._P\S%[ABX^;A7QMQ+8*4)Q>JE%
M\4T_T^)[F#DG_]+OXP!@#`&`4UR,^SW>W^#5G_J0^8*N:)E7/J]@?Z&1?\B(
M<!\V3/!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`0F=
MV77%7-'S@LVP(373#TC#Y;G<J8HBT=8O0=F!\I2!>WH^D&AZWO77^#6]=/W<
MC:7-Z'7=R[OVGLU'U7>.Z8^)C?OW60JC_P#-.45_*85RSQ7O#GA:LM$\<N*F
M6'&=IU1Q-P=)ZDUV1HRA=HO@S5(T)72(&]AZQFNN'H$'I#O6]X.VM?UT?/<[
MUM]*.WS5=_G.#*3_`.5*5RX</O4QL2_;QYK@4@O\=CPPT9Z<E/R!=G4L[H[1
M4@IJZRR$G2/0?Z0%TKYM4BZ`[ZWWHLWXNO\`O^#,>O5^\><M_,GZ.URA&'E%
MDT_;'%R]%]NZB+_8F8\RCQO'RW'99%_#\XA6UR/5-KD6F=;(F*`V`U4VH@A"
M(Q:>Y]=2-L(4C-+)*&^J6#JFF:^(/>P`,COU_NX-GE<S\Q>3WV^S"]+O!,[N
MTX3TE?;%TXT5[W+CM3X).Z5'%\GP3HL=Y^.M9C/*GYID_"^MH')B5::83!NL
M*GUS7Q"3-1X1JE$J>OGC+E:-S<4(3-';/+E8TH0&;[-"<$'5QW7O7C%+_@><
M?DGYD^\8^;DT9GC^)VRY-6VQOQ7'M:B^+LGU;6I26NNJR7'CPKDEI$.-G%C@
MG"Y41=,L:>4_BIWF@ECP\3VY*\IZ:VI0+C)SD)6GT]&_/1I==VH.(!5=816G
MV0.RU69HQ.A$8$I,GD8P3U>LI>_V'`\1\+]->WYL?(<ZCO7FODD;Y2NRJ,6W
M)PI6-+>U.;Z&3TM==.M?;.3UC6VE".X]CY3O@FQBK?BOP:O+3FE[0G3%:58O
M'$.F($S%Z5B[VNFDJB"MO7=NI"7V*",-3XJ%H[8C`$]06;M_LC!_\#[YC>:9
M+IQNT^%^G'<NM'ALR,>?:\2F''B[;*G%ZO32&/7=+CJU'1E"<P]<D[+HR9Q?
MEQQ#J*4<:T#E$=VXEHR\K%L&WU#`1)6YQ46G3K3NFH(L)%66P$K5K<KV!>XI
M4RPLO0B!]4W&>YIJ<%M^#/,^>_[N[OXWW#"\Z\$P;O$8SJ^J6'F7WY3@K(R>
M3BQ^EI:^GX3G7+2=D8V):Q>DOPHWAFU6O&X+`'3CB3Q=X&P%<CG4:XS2)0U.
MMF<E)R;W=9'IYR<TC<Y$I;6&+E)4JHB-.+FN=USF`KRP(LI`0AQ&&J2VZ5^[
MW_;_`#&/CGI_3WO$[;VN[Q-=F],\62NK[?8XRR,^YZ.%W<-)6.,*THR6/.R=
ML[$OJ&HU1K-D-1\9./U$1J,1.IJBA$-:(:H7+HZ8D9B%[XA<W1,>C='HR5//
ME&4.+\Z(U1A*I>I6'+%!(]@,-$'?1FQ1C'1)'UKL7A_B_C6)AX/8^Q8V/1CM
MNO2"E-2DFI3ZD]UDIR3:E.4W.2>C;1>F9'I!@#`,&>5G#AAMJKT*"FXK3T,M
M&"6*UW#`@2J"M0ZNELQ;D<E9WF+6^S,C,:X/<%L&,39Z;741)9BPKRCM65H9
MQ6@CPE#5?*EKKK_XGS?S;P'&[YV:JKL&%@8_><;+CE4]2F/T]ML59"=>5"$'
M*=-]=UM=FB<UOWQUDM'3SQQ8Y:P:J0O;9R9D/(F9M,'-:)MQFL2&TY'N-EO1
MA:R$DSFI8HWQ>M8Y)Z^\L_TI+&G18YN!;<0),C6E'(]J1#QVS2UW:OW>S[#H
M<CPOSGMO9%D4^86]U[A#&VW=OOJQ88&56X)78U<:\>NRC?\`-''LE9-5K979
M&5>]O$WA9Q]=(H9/K=\.+C16/&6&R1A;&XN2\RXW=4PM&RI$G*/<I!"(DW%6
M:R/E45?&'_13:H=#@N?EER3&*2TBI.D2FFXPCIJZXI+XZGB/3WQ:[!?<^^^D
MWB&'V?`NJC'J=UKR[<C(FM93IJC]1">-CUSTKE8^IU;(N:KG"N$GD7=%UJ)Y
M5$TJ'Q*N(\AHZC+6;T+&?:$2G;#=E;04+D=HEM66E+XRUM[E4,G8)0F2*4#R
M)L<(ZF.-(,/<2NR,T+*4M4U9#2+_`%GJ_(/(9]S[)W#L7J[X+;VWQO-@H/(J
MNAEX].YZ1>3;7&,L6R%BC*%O3G1%N+E;':]=:JWP=/#EIP]KMJS><[NZ\+5<
M@CVFRMY#/HLF89591K>2T$KG2U80[M38\:4I%QIA@&IB;5Z)O-&(3@6F`8/-
M71KCQ<_D/D5GH)Z3]@E3WSO'J19/T]E;#;1.ZM0LR-JBG+)IE&,]4VVJZ:YP
M@V^JH)LGKGX97@^T9)&:X)%?,KL&OVN0('2$\<D5K,%I,,NFKF622U,D8@\%
M8G"SK!6OIR5.(IN3*3QK-E:"J&<BZY6KTJ8\7+A[CL[O1_T&\;R\?OV7Y-?E
M=KA;&5.`LF&3"VV6BC"NFF$LB]S:CI7&3<M-)N5>L3:Z=R"YB68G6!H#AV1"
M&(X@I"RS[ES8@:L4)UQ^B-:>04?`X]8$Y=H^U%F[&8F<7.+KE&P;++T#?2(.
MW=-_=A^W^8^VR\I\][Q&Q>+^!+&QFDH7=SO^F:;T^?Z.F%]TH1UU<9V8\Y::
M+3FO4,I'G0\#\LNW.>+QAYZ=C*C-><4X656Q(31@,&G6HY_.9W8KH)/U.S*.
M)DC=TEB%L90A["(%VS_?_D-S\=]2,A_47^I%-.1[*Z.VU+'7P:ONNOEIR35]
M?#75-Z->0;7?B2LJM++D/)3C;8+HE$H;5-1/5#22L*P=VH1("DS_`+G33.[-
MLUGF92A,$\6@Z5-`@*#2.YZV$I0&:6<]R_8:'VKU;QYPSJ_+NT95T=8O%GA6
M8^/*.FBGUHW9&1&W5;N&ZKYI1Z?",E_8>-/*NRU1DJNGF;,:]D2319T-A/$R
M.QZ!UM#UH`BT)5)#K0:+-D=R'G"T'0RW?N33V?6T!N+,WHX+;-\93X_#].)5
MXAYKW>;S?(?4#(Q<N/&JGME<*<>I^^QY$<BS*;]JMV5Z:Z5)_,OZ4<;.9;JN
M/87GQ"YDGKP2%8`+C$>/]%1NZ5JE:`M()&ZSE5&GZ"$-Z1'HPTE0T11H<@*S
M=#T>$!00";9_\SA]BU$_$?4"^R6-D>JF0NU;7\U6%AUY;;X:2N=<Z5%+5J56
M-58I/7=HDG]@N"F]$%-1',CG@GC&S$QCE'`\A`J3W;:3?7)";8#A#UEOLY>S
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M]\[CV9\L6_+:I?O5CIA3;?!\/DOML@^.Y2U+T1\1>*#>@`U(>,?'M(V%EI"0
M($],5R4CT6@+$2B!W<$;T5O20H8@E].OB:%O6NCIWEVQ_=1Z2OP7PFJI4U^'
M=KC2DEM6)0E\O!<.GIP7+W%\MS<WLZ!$U-*!$UM;:E(1-S:W)2$2!`B3%A)3
M)$2-,`I.E2IR@:"`L`0@`'6M:UK6LR/3555455T451A3"*48Q248I<$DEP22
MX)+@CRY9$8M/8T]PR;QQCE\1DK<H:9#&9*UHGMA>VM6#J*4#JU.)*A$N2'!_
MR@&`$'?_`'9&DUHUP-.=@X7<\/([?W'$KOP;H.,Z[(J<)Q?.,HR333]S1BVQ
M^'YPRCT3E\)0<>H$HCT\)8DLK)?"'.3N;H@BRI$MB[5J125R=I&@9HRM;B#F
MY$F5DI4)I>AD%@%T[WCTX:-;3QF-Z7>G^+@Y_;JO%L5XN2H*Q34K)2C6TZX]
M2R4K(PK<4ZX1DHP:UBDRB'FI"^!5IMMK<:Z5?EW&FQ6LB+<AJ+HF(&O;C#I:
MT!(3U_?M=U8P!\H/*LY&8:RRY(RIC5ZU'I"OV0H,1&BWCITWK&/ROFE_Q_G/
M,Y'8UZ9=ZI[WXCX];+Q#+@J\[#PZM\JK8Z*C-HQH?--M:U94:HN<X=.W;)UR
M9+UWB(065JFZON/E;61</(UR5B3KJ!D48E5*2"MD*,1/EF47>^6#%2T=8Q!M
M[8)9*P2=P,>%0PDM9*[?:"+O47**;E[N7[3GV>JO;<V=7:_%NT9>?Y9.6CPK
M*[,2>.EIOLS)WUZ8]4==%/;-VR:C3&SBU7-M0GE^[M<%LF_K>@L5C[=R?XB[
M0<;Z0CQ+Y"#TBWE+3C,VG3JX9['V^P9:[-RIWVOZC6@CB`*U"EWV9I03@'5*
M;>LI:?!'9=L[/Y[G]PH[GY-Y+5B8U=JDL'!A&5;C'E&_*R*NM;NU>]55X\6D
MDO:W0W,'PX^15W\TX!R)K2Z+.B=85NKABU?!R>1=KLDI>CI7(#VV^P4@XHGH
MY-1B1VJXE$CVG0J6\AX6EFDB`C(ZBD>N=<I34E)Z+X_M^P^8^>>DWE?D?J%V
MOROM'D.91V;$E4Y4K.R863=DW'-^CDIM8:ECJ$=L)0C;-..E<=)O-[E+7<]5
M+:X<*EKRQ7F51H#4@9K&@\_AQCTWDMABWLF*S&*XG8+',HZ(TXI20YKBY"O3
M'F+A@`D..V<LV33X:+B?1?-.U=SG9VBWL?:LNS-IVQA?3?5OBHZZ0R(94MEL
M-6I1LFKYQ;L:4)2W6>6UTO:"JXZQ&L:9U%H=`;9E5POA#9+:N442H?Y/#;(1
MO3C7*1"A1<@!2&93"Q#E3BUR+0X^A+6.6DQAYH$)^VCU7NU_3XFJGQ_O,^_]
MG=E&33@8N=9E34;<=X;G95>IRH2BLW?;;>Y65WZT04[MCDU5(E:VNK,0#BUR
M*(6ME-@H^1D@MF40%B>HDCD1L!.JNS:(@<2C[I('YJAISE%8;*FMV7)E#PE0
M'.6G0U.=VJ@`#6CYZ<=?Z#FV=J[Q4\+O\^WRN[I'NT\FRF$ZE9T7C9&'35"4
MYQJ<JZK*[9QE;&#LZTHRW22E>M"Q*00NLFYKE20AKD#M);&G3FQIEA+BGC!]
MF61+;'#$25R;7<U9<0)E06S1A&]IQ:2=)6Q%]7>\HK1<3TGC.#E=O[/53FUJ
M&5.Z^Z4$U)5O(OMOZ2:X/I*SIZKY7M^7AH7%E._/_]/OXP!@#`(W+9:PP9B4
M222JE"-I3*VAO$-&UNKVN4.+^\((^R-S>SL:)R>'1Q=GMT3I4Z=,0:<:<<$(
M0[WO`*>N*4L<UXOW7(XVK-6M2VG[>3%C4('%J7)US5&I.SN[6YM#PD0/#.\,
M[P@/2+$:L@E4D5$F$FE@,`(.@;4>,GHD8X17Q+>`4<K^(ENW+JBBCVZ+QM$M
M2))VTNBXA42UHDQQ.T#4:M6#$2<'>A]4`M!Z-[WO6M=.:^I7^^CYQ?ZP>EV.
MINSSSMCT>CVWPF^>G!1<F_M2^/(CYGC'^&B48,L7*V(;$6,0!;+BUE&E[$`6
MP[V`TJ%#*-!O>O@$'>PBU\.M[UCK5_OG3/U\](4VGYM1JO\`T\A__LGP+O&A
M\,AN(TH4<J(^87LPLKJH8#;SH?UC-]4.]I6RO5:G1>M_Y0^IU`:^$6]:R=:O
M]\U6_F"]'JH[Y>:U-:Z?+3E2?[(T-_KTT1]O_.3\,_WK(G__`%*SO,?+UJ_W
MS9_W]](/^MJ/_P!+(_P2.KO&Z\+UN5&HU'*-(8<3U.N-#4E\NB7?:%@-#V2Y
MLJU6B/Z`CUH74,%U1=(=]`M;UJ=:K][_`(G%L_,5Z-U3E7+S.+DO=C9LE[^#
MCC-/]3^',KUT\?+PU6\HPQ):<X?!@.[,)#74D_)-.!UMA[P7M[9F<C1.M:Z>
M@8P&=&_\GIZ=9.O7[SJKOS.>D546X=ZR;&GRCC7IOX_/"*T^UI_`KH7\Q3X?
M>C5)>D5^C`1VG9'AK=DT4M[,S0`]VT*<!.!VP=]</;`*Z`Z^-U1?%R?45_$Z
MI_FL]+DYKI]ST7)_3PX_9^-KQY\4OCHRH)#_`#)O'94(*:IN-7(B>.7=]GF(
M9""#1$0.H;U#1!^;4CLL\2<L`@;[390?CBZNPZ^`6Y]3'V19T.5^;CQ2;V=C
M\0[KDW::Z3Z-7MX_W=F0].7'3GP^)#%O\Q+.$/0O4>'':J>.*RR=L[TMLQW1
M^4C32RC>IHH=%#0A+V#M1`$4K/V,(`[ZNNMOJ3ZA_P#+>GZ?`Z^S\U?<J_Q9
M>DV:L226V;R)+<^#Y?1Z>_1J3UT7#CPE(/YB=@5D$D-7!R_G!^4:(+3-0'=%
MHA0L-V`(TQ*M-&%BPS6M[%H`@I-C,WK7Q`]/P7ZC^PSFK\UF-.,8T^G'=)9+
MTTCN6C?N35;?V?+J_<C[D/CQW/LQ(WO/A:\C&]]7:":D:4+[*W$Q6F.Z=I3T
MG>J+:%BG2@(!;UU4^P_!\`A8Z[_Y3-E?YE_(-859'HQW:&3+BHJ=DM4^36N'
M%O7_`/#^MGHMO\P:PP9S-3<K>#G)+CRVN25S/A:TH!<F6R@UL[$9J<39/H]2
MH$FQ`."`0TJAP`2>:4$W8"QB.`^H2^]!K]/U&VG\TF-VVYP\V]..[]JIG&3J
M:_$=CCIJMMT,33FEK&4TFXIZ)[E]Y7\QEQN=.U51OC1RL?&CMAE)G$J,0/[]
MV?1H>C0()XZ)B3@"WT"`$\SH_P"_'U$?9!FV/YK_`!*[6>)XAWNRC7A)5T\?
M_ENDD_AN9\RO^8.BA'6$#@]RCV6H*,<F@:MO;4GE&/DDJ%)[R+6DJ@)11*4!
M9@NRVH(T`0][.UH&MC==?N,QG^:3"CKIZ<]ZT:W1UC%;H)-N?)Z)+1\-RTU^
M;AQ_=/\`S`T9=RB5$8X,<JG\@!!('$Y.U-XBD;IL/74(23&]*Z`4$%`$#8#3
M-D&&:%T[)!\'2Z__`*;,H_FAP[XQEA^F_>[8Z+<U&.BE[4MJEJEPT;T;_=1^
M1WC;<FG8DE-!_"0Y2O[RNT/:%,<*P-$F%=T/4:5D@:*$=U3AHK181[*`$O0R
M>L+M0]772Z\O94]?T^!C+\Q/F%\8P[=Z&]ZMR)<D^OIIHWJMN%)RTYZ+35:O
M5'^MWC=\BF((RK8\*#E-#SF\`1/"AN3SE0%,6)(`XI4-ODM+Q<:$"@TP'06:
MI%H)(]#T8/?0';KR]M3%7YBO*\9./?/1+O6/*'WG%7/3AKKMLQ*]NKTX.7!/
M75\B::\=Q@;`"+E_`KFS'%Y.NV4I-5XB4`(1"`$XI4(US6,)W08GWU_C%!!U
M>C>A;UOIR]?_`-.1V'__`$IBTIK.],_(JK%Q:Z">BYZZR<'RX\DOB2MG_F#?
M#T7-*E:]K[IA3RD4=U/ATGJQ0.2%'`.&0H`8*-/,CCI(T@@;[0`W`(]?<T'8
MM;UJ_45_$YU'YI/2RRB=F39W#'R(O1U68SZFNNC_`+N=D%I[4YZ_K(PJ_F`N
M.<D6'M5&\<^6EY.11PR"3(K7#*2U+#0[3AT`@Q/*7F0A'UE16A!,:P"#VH/@
MWL6M9.O'^K%LX<_S0>)Y=DJ?&_$^^=RM3T73H@HM\.6EDY^U<ZUS7O/G%XQ7
M*5]%VM=>$#R_E3=LT"0+@\IYG&2M+C-$]4@P:.DY.B**!L0^U-V?T$AT`0]:
MT/XKK2]E+_3]1@_7OS3)>[M/H1WZ^K73=-6UK7APX8EB2YZO=PX:\^'XI_$+
M\7&TM:W3_A-.,(V(9A0?3989[3T&$&$A-$,,Q24;L)0]%'=F+?0$?7`((A:#
M]\=2U\JOT_D)#U3]<^]?_P!#Z(3QO9_F[W'EIK_>K#X<'I[]5HWIQK!;RZ_F
M%U!Y8T?`6AD"<I;M0$D*4U28H2ZT:$"!:>?R>WH9>]&!$,P@"<P0P:V'80[$
M'>._(_Y:_3]9TUGG7YIY23K],>V1BI:Z:-ZKC\K;[A^UI1>JX:+5$3=#_P"9
M-N='H\ANJOCNAT65_06L^D4RQUT$99@3=FN3C;4B:S`C!T"#L]#L0=;#L.P"
MZ-O\S+W(X-TOS<>05[HU87:J]%PB\1.7QUE+)LC\5K#W::/C!F'BC_,6BVZH
MC.4[(T$.@.W4K'ZSX\Z:T86,(`IVH]+`7]R9!C";L70E"F*WH&^L+IZNMS9D
M?OG6XWA/YKOQZWYI7",^+<\B$OU1:IG*'_Y=JX<>.A^;9X8/CIGC&_K/$=+;
M'@W9&RVA1R=Y)K6X!9@#"%FE3>G@!\?3'IR@@$4$@@\!@Q;%L98M=83I7\^I
MQ^UDI]'/S)2;RK/5E0R'I\K[AGN/N>L50X)KAII&2;XZI\7]3MX4GC6Z;S&9
MO\2U0_-+ITA>R'[DOR>;50B-!*"-(C</F7*5>DZH`C0&@T(HH0=:ZY9FAB"%
MTKO^9_*S._T3_,-TGCU>KSMHG]]3[AW"+TX<%+I6/1\4UP7O3U:48!X//BA/
M!Q#BCY3R&$/2`9!*!\DG-ZZ)>N0E&]J-R4-R..<?&0T8#A!(V$K;DCWH16^L
M(?7"(N=&S][3]?\`0<->@OK)D2C;7YI;C9$=$IV=WR[6E_6<57@P?'Y>'4AR
MXMZIJ1'>$]XTTP$B9[`\2-*7&D6PC*.:>0/)%Y<-F`V406<H;S83%2W`\*7K
MBT8>N&/0^G73\<0]7I7/@[.'VLY<O1'\P>?T\?NGJW%8D?;'-SYR]BU<737N
M>FO&4V]?M;)7!OY;IID3NHD7*'E_9%CN2@"8K88,QIFAWT67H!ANE$RL-PL,
M]8#M3#0%@\F%:!\!F][V+98:L?7[\VSF]M_*51EWRR_,O/,O+M>B_!@HR^.M
MM\KV_:DNFM.?MT67,2_E_>#\0*4%)7VXGO:@L)/;2W=%R@TD@(0?>T^WBB5(
M"C!&Z$9L[J[4;V/8>T[,)8`9JB"]_P#)_,>ZP?RO^G.!&489.?9JM-;?H[&E
M\-V&_;QU^]QTUT22N]N\%GP\B&UX2/M..4R='=*2B!*))/)B&1,:5(`(6\J,
M'QYW8&V.[;S`]H6-*E+,&/>^U$8'>PY>C7QX'HJOR]^E<:<B&3V">1=9%+J6
M76]2"7W>FX2A&O;S3C%-O[S:X%HP;PN>$T-;6IO=Z@*MLUI&`PA;><AD-N%C
M[+1H2$^HY,7%PA*!K3:.%V2%&UID!0OCA)T/XV5507LU^WB=UVWT:].\"FFJ
M_L*SI0Y/,G/*Y:Z+IVRE3&*UX0A7&"YJ.O$M%SX%\*G=UCSRLXJT*!9%R429
MF+05C$VEM)2-AVE+6B6,K4V(F9W0M:G7:)2%A!Y28SXQ00[^'+TX?NH[F[TS
M]/;[L7(L\*[9U*4E#;CU1BE%ZQ3A&*A)1?&*E&2B^*2,K$B-(WI4Z%`E3HD2
M0DM.E1I""DR5,04'0"B$Z<D("B22P:UH(0ZT'6O@UK,SVM=<*H1KJ@HUQ6B2
M6B27L27!(^C!F,`8`P!@#`&`,`8`P#\5"<A60>E5$$J4RDDQ.I3*"P'$*"#@
M"+.(/),"(LTDTL6PB"+6PB#O>MZZ,&,HQG&4)Q3@UHT^*:?-->U,QJBW"_BA
M![+46_#N/M61BP5+&9'O+3'$VYM2)&Y01I&N,:XZE++C#.[.K>`"1:X)$9+@
MN1%EIE!QA!8"PX[(IZJ*U/(X7I]X1V[N\^_8'BV%3W1U[-\*HQ2BUH]M:_#A
M*4=(SG&"G."4)2<4DI[$./E"5\^$2>!4A4,(DB4I0G2R&(5K#(T^)B%A(DZL
MDAV9F5$O)*5$#V`P(3-:&#>]"UO6^C*HQ7)([/`\6\9[7DQS.V>.X&-EQ32G
M5CU5S2:T:4H04DFN#X\46]E.]&`,`8`P!@#`&`,`8`P!@#`/ST24$T:@)1>C
MS2RB3#M`#HTPH@1PR2AF:UUQEDC4&;"'>^@.QBWK_*WTB;8[G+:MS26OMT6N
MB_5J]/M9C9RQ]5L5_>7X7?QBT3@R1DO@@P!@#`&`,`__U._C`&`,`KBSXJ]R
MEB:A1DUK!)8Q+HK,60E].5IF5Q.CSPG4N#,Y+$"1>M;BGMC&K2%K"TZK:%0<
M6IVG4A*VG-`J^05]*FSC';\-&2F>9I*HGR`>@MD<TJ5)MR*TW&>S$B-,IZLE
M(L=@-B^5A;R%1A"4:[L=';3I]F=@6)*,9IQG%.#6C3Y-?%&N:&^`MX="=HCC
MH[5%--2(3*W'.Y"^V+!6)0.JEM+"Y@-:EC\I:_O:DTSJ@[+8"Q:UL'1L(=ZU
M]*O]U'S.'HQZ55V]6/@G;G+5\Z]RX_V6W'[.'#V<BXR?!F\/H@HHD%)-(@$E
M@*!LY.S*#=A+#H`=FGGLIAYYF]:^,,8A#%OX=[WO?3EZ</W%^P[6/IEZ;1C&
M*]/>R:):<<'&;_6W5J_M?$KJM?"'XB?/"\P2.D4C8QM5F-[/5JHIJCK9MPKM
M;2%0KWD9"M&PE'NJ,VRG>2IC#3MB'UBQD=/9E`#ITX?N+]AMAZ;^G5;W5^`=
MDC+1KA@XJX/@UPJY-<'[T63_`,FOP_/V(,O^@L'YBQTX?N+]AA_VS]-__P#/
M>Q_Z#%_PB&S'PJ.,<=D=%M-=U8L2Q)SM-Y06B2U@:=(FZ":I>X7E$K.ZK.'3
M24=:;;'"MJ">H8,TX)6][`</6[L@N44<JKP'P2B"KI\)[1"M<E'#QTOV*O0R
M3:O#QX]L1B<YC'8[,<D*[NE-:I\[-QB8CLNQ[%.-(`D1)78_$ZH=ZUU?@Z.C
M+M7N.TI\=\>QG&6/V'"KE%:+;15'1<M%I%:+3@?9(^%D"21R1'1^77?M[`PN
M^VDLJV9.,1SB%`>-"3V0U'9':,5A!KJ#Z0"^YOX,:+W',7;NW+73M]"U_P#3
MC_,?K5'&$>ZNKD<JM+DHTRHZ"Q-1*&PN[9PT`0252Q(#W]+Y+1+R4C>(EW,.
MT(DL`0%BUL.M:UK&ARX0KJA&NJN,:UR26B7V)%@?5A9/VQ<E_;]8/YTRF6OP
M*MK_`(Y2);++Q33"V.3R>/-%I-#=51IMX3E(!;`C:4I]V<52902X!,="06@Z
M20G9YVQ&!,)$3K?9D@UH-?@BTOJPLG[8N2_M^L'\Z8&OP*CLOC(ZBE-%(8[9
MO)1TC3E;+B1:&SKHFCF0VPM%2]OO3.Y&FK%QHVG9=IM4;*+5$=0[MC0%=;J&
MCUN:&$X5VI*VN,DFFM4GQ7)\?:O8RW/JPLG[8N2_M^L'\Z93/7X'B27C,21'
M)`<Q6_R9,>R61U-9BPWU/C1&.I:`\;>`)1KGLHT0E>@:T$7Q1?<W\&!K\#PZ
MSXVK7"MZ^7SBV^3B::KH1%%DP3'7I/4)R>4J6%`=("#41#B`E&:4[#."(H`=
M!+WKJZUK6L#7X$W^K"R?MBY+^WZP?SI@:_`JV&<<9$KL&X44FMCD\3#FM\B!
M%;*#+PG*8I8UJ8,R+9(8G5E.(3W$!4J/4EB&;L6RQAV6'?0'HT&OP+2^K"R?
MMBY+^WZP?SI@:_`Q[M7A8P+[%HEZ:GZ[)!Y1L]T:K/D;A9#\]NS;7R>D+A<&
MLXU[<AJ')H3>DILCB8)Q!@![$<$CI[,X8=S1>XX%W:NU9.0LO)[9CV927"<J
MX2G[OO--\N',OI%Q3B[<E*1-]K\CD",C6PD)$5[3Q*E)"(0AB"400X@*+T(8
MM[WK6M=.][WET.97"NJ$:ZJXQK7))))?8EP/.DO&8DB.2`YBM_DR8]DLCJ:S
M%AOJ?&B,=2T!XV\`2C7/91HA*]`UH(OBB^YOX,&>OP/#K/C:M<*WKY?.+;Y.
M)IJNA$463!,=>D]0G)Y2I84!T@(-1$.("49I3L,X(B@!T$O>NKK6M:P-?@3?
MZL+)^V+DO[?K!_.F!K\"K89QQD2NP;A12:V.3Q,.:WR($5LH,O"<IBEC6I@S
M(MDAB=64XA/<0%2H]26(9NQ;+&'98=]`>C0:_`M+ZL+)^V+DO[?K!_.F!K\"
MK;`XY2)%+*.30^V.3RB/.]I.[=:II5X3E6!%`BJ4N!V;E2E0<X",:R1V@UQL
MG1Y.PF",."3O?9G#UL-?@BTOJPLG[8N2_M^L'\Z8&OP/$DO&8DB.2`YBM_DR
M8]DLCJ:S%AOJ?&B,=2T!XV\`2C7/91HA*]`UH(OBB^YOX,#7X'AUGQM6N%;U
M\OG%M\G$TU70B*+)@F.O2>H3D\I4L*`Z0$&HB'$!*,TIV&<$10`Z"7O75UK6
MM8&OP)O]6%D_;%R7]OU@_G3`U^!5L,XXR)78-PHI-;')XF'-;Y$"*V4&7A.4
MQ2QK4P9D6R0Q.K*<0GN("I4>I+$,W8MEC#LL.^@/1H-?@6E]6%D_;%R7]OU@
M_G3`U^!5M@<<I$BEE')H?;')Y1'G>TG=NM4TJ\)RK`B@15*7`[-RI2H.<!&-
M9([0:XV3H\G83!&'!)WOLSAZV&OP1:7U863]L7)?V_6#^=,#7X#ZL+)^V+DO
M[?K!_.F!K\"JZ,XYR%ZI*G7BU+8Y/H;/=JLKYSL=$KNZ=M*I'/%\2:%4O2J6
MI,O)3MBA/(35`!IRP``2+6P!UK6M:P-?@BU/JPLG[8N2_M^L'\Z8&OP*MAG'
M&1*[!N%%)K8Y/$PYK?(@16R@R\)RF*6-:F#,BV2&)U93B$]Q`5*CU)8AF[%L
ML8=EAWT!Z-!K\"TOJPLG[8N2_M^L'\Z8&OP*ML#CE(D4LHY-#[8Y/*(\[VD[
MMUJFE7A.58$4"*I2X'9N5*5!S@(QK)':#7&R='D["8(PX).]]F</6PU^"+2^
MK"R?MBY+^WZP?SI@:_`?5A9/VQ<E_;]8/YTP-?@5;1W'*1.]*4^[6K;')Y%:
M#I5M?N-D(E-X3EK4))ZMB;0IF"4]M2.!:1N.3R$U0`1!00EDBUL`=:UK6L#7
MX(M+ZL+)^V+DO[?K!_.F!K\"JX9QSD*NP[C026V.3Y,/:7N'%5NH-NV=I2%C
M4K@[,LD8TRTM>$QST3*C%0!B,$(10M=370'6M8&OP+4^K"R?MBY+^WZP?SI@
M:_`JNP>.<A02VC$L0MCD^HCSU:;NV6H:3=T[6EH8&525Q/#<J5J35XQM*<=G
MM,<(TH+V`8C3@$;WU#A!$&OP1:GU863]L7)?V_6#^=,#7X#ZL+)^V+DO[?K!
M_.F!K\"K:.XY2)WI2GW:U;8Y/(K0=*MK]QLA$IO"<M:A)/5L3:%,P2GMJ1P+
M2-QR>0FJ`"(*"$LD6M@#K6M:U@:_!%I?5A9/VQ<E_;]8/YTP-?@5;&^.,B/M
M:T6U\MCD\77[>QUN?`E0KPG))"ET7E2WYZEDKRW'2A:-,:D;^N`P6]$]</5U
MK0]](:_`M+ZL+)^V+DO[?K!_.F!K\"K;`XY2)%+*.30^V.3RB/.]I.[=:II5
MX3E6!%`BJ4N!V;E2E0<X",:R1V@UQLG1Y.PF",."3O?9G#UL-?@BTOJPLG[8
MN2_M^L'\Z8&OP'U863]L7)?V_6#^=,#7X%6T=QRD3O2E/NUJVQR>16@Z5;7[
MC9")3>$Y:U"2>K8FT*9@E/;4C@6D;CD\A-4`$04$)9(M;`'6M:UK`U^"+2^K
M"R?MBY+^WZP?SI@:_`JV-\<9$?:UHMKY;')XNOV]CK<^!*A7A.22%+HO*EOS
MU+)7EN.E"T:8U(W]<!@MZ)ZX>KK6A[Z0U^!:7U863]L7)?V_6#^=,#7X%6V7
MQQD2!?59<'MCD\I2.5I-+=/A%7A.5@4L",C4L4N2H\:AQ'M`2%Z2MX>W+ZIF
MA#T#6^@>];#7X%I?5A9/VQ<E_;]8/YTP-?@?EOBI"E2QB4/L_O:6)(_*HA-$
M;'*[HG+Y'U$@@<I9YK%%3DSJW,21Q*:90P(U82C="+$80'K:WKIUL-?@9.8(
M,`8`P!@#`/_5[^,`8`P!@&!O.2S^2\(U0$,XS+('$Y+<%L*84Y679U>36S('
M&%*&&2&41.+2%E@B]M=6!%:$E9268Q^/-TE:B33-Z_I1J7>A5IQU*[X-\O[I
MY(WIR@K>X*K=*8=>/D(XZLDDKYT;!FE-%Q2MVY`$V:KB<ZT`M+8=<2%CAL:=
M(^X$ZT#;<N`(6@FF&!#"M)):&P>PGQ_C,!G$DBD<.F,HCT0DKY&XBF-V2HE+
M^TLJU>SQP@[01[*.?'%.6E"+J[ZHC=;Z-Y3$T?55S#\21S?^*LUGS72$AIZ\
M[*J:%M#;7=*VXS3&RVNV"W%RM5<I:I)+G5]HHWA\VL+@<X+)&G*0R=$F$(C7
M;B`'<,M%Q-^&4Q-%WBD<P/$=XJ"L]ZJ"OJ8;^/\`NLU#A75WJXI9%CS1KL<A
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M(YI"8^NY,W8]6?+2VQNIDGCY,5SL4D:#PJ4CP@:`&EG*-JP]2:F;BM&=+.4P
M-4<YN7Q'4G)[D@FHBMZ9N>D*<5U(TMU.3E8]5!94OW+JU8I8_N]872H*=8`O
M5HWE:I3G(GM"6E!L`0A6DB#L`X9:+1:FQJJ)N[V/7,1F[_7TOJE\D326L>*Y
MGI387+8@Y@--3+F9XVRN#JTJ!D*2!;*/3J#"5*<0#0[UH?5U3$PJ\3#D9<O&
M>EH3,Z=,2,1CY::.+S:Q%].3J^T=?1OYAS^3,IZBLJY7-LD<@S^Q(TQQ$*[M
M@)FPR0!/,WH6B]Z,J6K*3\,OE3R:Y"S>X&F]7@<A*9(A`9/)(\/CA.Z`^K+<
M<A<I0DEW%X#[-5!Y=[`BS0UI%NI*AWLO[YUAB$4K3!!$622Y&U2PGJ11J`SB
M11"-CF4L8(A)7J+Q`M3W,R52)J95JYDC9:O8#>ZC?'(@I+HSJBZFS>MT;Z.C
M*8G/!Q6\0+Q$;*M2)R*0&0NTJ;D]V\;J1DL09.']\5"ZQB6W`T3M\NQHC4EG
M#V!S1F<36F#F+)&Y/"9>RN*4\HM.I*5'DDBG$S:B=)V4P-"O.3G=R,IODY*:
MO+N*'<3*UC:>#G58^R[A3R1Y2'<DCWZ,-[W)CFZ4U(69&HPAC<C.4,0FL'9.
M_:I#%(C.R/(T"&:2TY:FV/B;95H7#QRJ2S+H@`ZPL^818MTET)&TOD>TUKM+
MEJ5.K*CDH,.E$:3/[<G)<26US&)Q;BE84ZK>SRC,IB^;T(!S>MSDS2]5165<
M5Z58[SG3I;<!A4DC;^;,=(HU!9DH7L*Z?FI("R2.5K6^*R56U&.>TJ%3W)G,
M6+3`=DE'O0))\V?7QBDG.!^72\'+RL./->MR9(SB@QU'V--)VJ=%IISAI]*D
M1,KBD;+;4Z4@"7:81`C=FB&9H6@Z"'I!Z>QF3<L<G=FBTE=X^S#D;\U1]Y<F
M2/%G`3&/KNA;E*IM9BU!GQ"!NBPH!&A[^`.Q]._N8(:%HUS]YU0Z.<3PW+$8
MI+&_F#>'&-KKFYZRJ.=1%EA2&>W9"8]?W'2ZJZG*QPD$"F\+A3F\ZCLC-&!*
MZIFPT8PA6)Q[.AGHN.GL.@G*8&G3D3R+\0$[D3>E3\>VZF89`*L:JN&Y2JS*
MVL)_D+!64]A:J72SE2P.B>3,<.LQH@4ACSM$P05L)/?3G)-WTP0B.H09#))<
M-3/?A[:EA7?QEIJU[4C`(A/IQ$"'B0,Y+$]QA(:9M:M2M\@;HU)CCY''VF7-
M*8AV1HEX]K4J5:64?]\"+64CX,C?-2;<MJ[IH,OX:UE7=N64SRMK42>%6"J>
M21+*TTVO6Y*MA")F>HX)^G3:Y:;SDS<<N3A6HPJBR=F*]IBC`6GM,7/"\Y&\
MON33;R!FO(@RF5%?Q^W7.#U>;7\5M."2Y&X,C4RK)4QOD0LR-1]U01AF$[)R
M41CAUG[RCI>2M"`!)'3$622TT-G\G<5C1&I"[-Q`%3@UL;LXH$QA1IQ:A8B0
M*%*4@PD@91YH#3R@AV$`@C%K?1K>M_#E,3GTHWQ*N:E^R>N9K%8S"B(<S2/A
M'4UKT2;QGY&,4SF4ZY&QIB6W]+XE84N.0,\'CG'^0L\Q[`2D+LS^2HYVJUQ.
M$Y-QID,VDCHGRF!H)YZ^(+R)X]7Y+*;631)QQK^7V'2[#5-X*^*%O\B$C/5@
MZ;GTRMBQTJ2&)]QB<RIVNP#+"PQT2Q,X,J!/MS"E5EK1'(X9))K4VQ</+'L^
MW>,5+65<\9'$;-E\*0NDL9S&!RB@C%>SU*=&^ZB;T<>\10$K:R"'4+6K&)4W
M!6Z3&[V84+*1Z:O3D5;SFG?)^(-G&^/\3U\':+!M7DHU5Z_/-E0I^G$$;(25
M2]W6"M%)T4:<6AZ9FQRDD":T`G%.I*,3B5Z"'K","`0+3CJ2[C-<')6<.$O@
MO)[C.*D9M"4C0I33F%3UILNC;62."ES0FN=>R#L&29,:M.<V=LH9WQJ2K4B=
M23O9AW6ZV`]/8S*"0K7)M8'QQ9FL3X[M[.YK6IE">%*)X<DJ(\]"UA5#","8
M3@J+"5HS>MZ!U^G>M]&"',K1?B4<[;'LZFFR2R],4!]LRF8^EK-!P&OB&$WB
MML.0QA'R<JU58\O>'%!3RKA`C>%Y8I&JV6BD>T/:B":$L[KS4S:2U.H+*8&A
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M2-LB\2T"%:-M*3GN($BD3>2K,&2E.6A)'M*4I.+`884G,/T'0Q!#O80[WO6M
M[RF)J$XU<E/%8N9VA#C/>+O%6K8@=.4S/:L8D%J6RS79!XDU30R.RYW20-Y@
M)21>M.9T)[@P'=[VU/28U*H(5#2J`&[G$R:BO:;ALIB:E;WY/<UH!R9N(59U
MO&;#H?CE":SF$TI)/!Y@7==S5U-VQV73.T*-LL2\F`O$RKEV:%*$B%F$B5NH
M6Y0#9A1ZUN'D,DEI\3*S@9>$KY(\4JONV9[UM\GJBP5P1:85$8$-B;;0FK#$
MC#6%6`I4W*#(HU(A&`,"$P1FQ"%K6Q;UE(^#(USHN6^:CB])MO']-"FZ4W'?
MT/IA=8ED06?63`JU#,6"6&Q%QE$5K1P:I,!OFUDM;)%=.AB@EM9S'T*I8,)9
M>MX"2>NI4W!V^N94_N.[*OY8Q"%LSC%X16%C[;8!%'YO::-E%EFR-<+CB_62
MK?'N&79)XW"4C.['/D<,$D+,7'%G[!L:<DN%>GL-F*_OVD*W;7I()STD4^3@
MKQ'`0[7=B/NFEHDX1J`I-J.KVFR];'H'3U=;WT93$T!5QS#\660\U:(XY6Q7
M'&"JS53]-G*W(@GCMS#:Y'3<;4Q8Y78E?6D:FED4D:YR85"_<93(W!&:6\%F
M)9$F0Z"4'<XF6D=&SH(RF)I<Y6<XN2L;Y6;X:4X3$(#(Y[.:*8*\N&64-=-G
MQ^-Q6;0*SWR?R%^4Q92E@+BM2V&P1=@1EJG!J"WE/IRI06H))-4(X9)+35FP
M+AA;-EWEQEJNT[>C*6*6!*F]_&\H$$<E,.;G5&T2^0L$<FC7$)OTS"*--B1=
MJ1/Z5M=-[7($[F`@[>S"Q;W2/@R'<X[QM'CW7=:V'7K"H=(PGO:NT5\/2&!3
M*S7.%T+HM]=IP_ML-@#<]2Q8H=7!I;F$:U(@<!,B=Y,<]I3PH]EB!+4P9\)_
MFWR'Y;2&5*+*EC?:$+6U)#K%=WEEXW6!03-0%QO[^Y(G[C0B?YLN6)[N)9F0
ML"PM_0]/4"GWHX6]J"]:B+))&YB6+ES7%I*YM8.T<VZ/O*YN!V6U'77)&Y2H
M2`[`/PG=906'74U\(ON?]N4Q-4/%7D;XDQ4)XS2;DAQXA%VP#D#%Z;?G.TJ#
M6G5_8]%FVZUQ]:81=M$6&L+\JM4$<)($MX=8RY;&B0(SE)C7H18P;ADTN.C-
MOV4Q-"//[G5RVI3DL^U-7;TFJ^N"XY6H]2T?$:WN0K@QUO*-.IUN\J4;U#'-
M)&W=-1SVF;&#<-[N>L6C=1+C-[)*T#4,TDT;0^$5EV1<'%ZK+#MD0E<U?D\K
M*.D`H.[UD*=QMCG4HCL"M`5=/PQO$%%:T":6R2[:%&]#;_*O8=`=`UK5,7S,
MJ\$&`,`8`P!@#`/_UN_C`&`,`8!IC\;<C27CI6\I<[;K>MXG%[54F/C/9UP6
M12K1*G9]K>=1Z#/[#(JB1KK`DDOIN9N*.9(F!&6(#B%E-'OH.3I]ZC,H\^14
M7@<MD46)^0DWK^S:/F4><D-1Q67`IZY+1M1VLFUXT*Q54OY/VBP7`W-<LJF7
M7>E>T@0M19`"#O)!W6,.[L5LLBR]FIO"LQO=7:M[!:F*5!@KVYPB5M[/-Q&@
M3AASJM85Z9OE0CS?O1(8\K,`KV,7Q0]CT[^#*8'&QP@2U]+^7U$1ABOWB0[V
M)&+/J97$GB/\P.3DUDM5-E8NY!]W1&F$=F,:2OKF'S:);W!2XEDJNV0:D2D`
MBMF)$I@8;'R?`[7LIK.2/Q;5<*BG-:9BMB\N.SDP2YGJ]^%35G<E>1<!<I;5
M;/&&N.NG%.<PZH&![BD&K^;S\HVQT\B<BQ#4.:(E*IV6A/&/49LCRY'1%P*C
M2F(\.^/S`HFT0L$M'`$9[9):^F"VP8'\WW):N=(S'85.W,0W291.%1Y:E96Y
MT5;[TN2-Y9QWWP8LI@^;,'?&W(TEXZ5O*7.VZWK>)Q>U5)CXSV=<%D4JT2IV
M?:WG4>@S^PR*HD:ZP))+Z;F;BCF2)@1EB`XA931[Z#DZ?>HRQY\BHO`Y;(HL
M3\A)O7]FT?,H\Y(:CBLN!3UR6C:CM9-KQH5BJI?R?M%@N!N:Y95,NN]*]I`A
M:BR`$'>2#NL8=W8K99%E[-3>%9C>ZNU;V"U,4J#!7MSA$K;V>;B-`G##G5:P
MKTS?*A'F_>B0QY68!7L8OBA['IW\&4P.-CA`EKZ7\OJ(C#%?O$AWL2,6?4RN
M)/$?Y@<G)K):J;*Q=R#[NB-,([,8TE?7,/FT2WN"EQ+)5=L@U(E(!%;,2)3`
MPV/D^!VO936<D?BVJX5%.:TS%;%Y<=G)@ES/5[\*FK.Y*\BX"Y2VJV>,-<==
M.*<YAU0,#W%(-7\WGY1MCIY$Y%B&H<T1*53LM">,>HS9'ER.B+@5&E,1X=\?
MF!1-HA8):.`(SVR2U],%M@P/YON2U<Z1F.PJ=N8ANDRB<*CRU*RMSHJWWI<D
M;RSCOO@Q93!\V8?>-.G"3Q7B4F<[(K6$1*(7&T.\MC=KV]8%(Q6STRZOK'CL
M<CI$SJI&LGZN0PR;/39,D34A"+3AN,CT,`NH#HC+'F8P>!RVQ9Q?[\FT%N"D
M;&0BB]:Q&QGRJ[FMFRYA?EJ-;E,5[GREN*%W&WM,BJ*4SQO6:2$H4Q(TRLTI
M87HXQ.A1]4BR]G`WQV8WNKM6]@M3%*@P5[<X1*V]GFXC0)PPYU6L*],WRH1Y
MOWHD,>5F`5[&+XH>QZ=_!E,#C8X0):^E_+ZB(PQ7[Q(=[$C%GU,KB3Q'^8')
MR:R6JFRL7<@^[HC3".S&-)7US#YM$M[@I<2R57;(-2)2`16S$B4P,-CY/@=K
MV4UG)WXI#929?B),*3E'R3J=JKUW?ZAG[8A?N27(R'3VFZ]B4+&S2*E4-2TV
MFW&69-=4X)U(2)DL6M[FVZ5'CV9L@D@I3#-<N".@_@@W2YJX?<?4<ZM:/7?*
M-5VV*5]I1.:.-CQN5IUYZI>TFLUA.YISM.D+6S*4Z$#PJ%M2Y=U[P;T&&"UJ
MF+YO@8@>,[HA#Q:B\ID%CP>*5W$[;9W&R*YL.Z;`X_QR_8ZNADY94=8!LFJ2
MC;"(=D4@<4DC3MJ$)A3EIB&`\`BP=8$98\S&WP/(W"&=OF6Z8Y1U_=58ME+4
MFQ36%0ZV[=GZM!R$VOG3K8EC'PBX-I76KF%[0JT;.@$@1(4DCTT#5B3)1D]@
M$BR^*-]$J2.#A&)&@:7P48=%K"\)&V2A)3J!1YP4MZ@E&^!3J];2'B:5`PJ-
M`-^]B[/H%\&]Y3`XPN&+-6+KRGC((SS-H5CY4([BXK0XI\C?,OE+88;F2U],
MI*[\G+%+=9N!JKNQ)%R@81M4=0009KFW%B,-VD-1C^*JAL?+EP.UO*:SD[\4
MALI,OQ$F%)RCY)U.U5Z[O]0S]L0OW)+D9#I[3=>Q*%C9I%2J&I:;3;C+,FNJ
M<$ZD)$R6+6]S;=*CQ[,V0204IAFN7!'0?P0;I<U</N/J.=6M'KOE&J[;%*^T
MHG-'&QXW*TZ\]4O:36:PG<TYVG2%K9E*="!X5"VI<NZ]X-Z##!:U3%\WP,0/
M&=T0AXM1>4R"QX/%*[B=ML[C9%<V'=-@<?XY?L=70R<LJ.L`V35)1MA$.R*0
M.*21IVU"$PIRTQ#`>`18.L",L>9C;X'D;A#.WS+=,<HZ_NJL6REJ38IK"H=;
M=NS]6@Y";7SIUL2QCX1<&TKK5S"]H5:-G0"0(D*21Z:!JQ)DHR>P"19?%&^B
M5)'!PC$C0-+X*,.BUA>$C;)0DIU`H\X*6]02C?`IU>MI#Q-*@85&@&_>Q=GT
M"^#>\I@<87#%FK%UY3QD$9YFT*Q\J$=Q<5H<4^1OF7REL,-S):^F4E=^3EBE
MNLW`U5W8DBY0,(VJ.H((,US;BQ&&[2&HQ_%50V/ERX':WE-9R=^*0V4F7XB3
M"DY1\DZG:J]=W^H9^V(7[DER,AT]INO8E"QLTBI5#4M-IMQEF375."=2$B9+
M%K>YMNE1X]F;()(*4PS7+@CH/X(-TN:N'W'U'.K6CUWRC5=MBE?:43FCC8\;
ME:=>>J7M)K-83N:<[3I"ULRE.A`\*A;4N7=>\&]!A@M:IB^;X&('C.Z(0\6H
MO*9!8\'BE=Q.VV=QLBN;#NFP./\`'+]CJZ&3EE1U@&R:I*-L(AV12!Q22-.V
MH0F%.6F(8#P"+!U@1ECS,;?`\C<(9V^9;ICE'7]U5BV4M2;%-85#K;MV?JT'
M(3:^=.MB6,?"+@VE=:N87M"K1LZ`2!$A22/30-6),E&3V`2++XHWT2I(X.$8
MD:!I?!1AT6L+PD;9*$E.H%'G!2WJ"4;X%.KUM(>)I4#"HT`W[V+L^@7P;WE,
M#C"X8LU8NO*>,@C/,VA6/E0CN+BM#BGR-\R^4MAAN9+7TRDKOR<L4MUFX&JN
M[$D7*!A&U1U!!!FN;<6(PW:0U&/XJJ&Q\N7`[6\IK.3OQ2&RDR_$284G*/DG
M4[57KN_U#/VQ"_<DN1D.GM-U[$H6-FD5*H:EIM-N,LR:ZIP3J0D3)8M;W-MT
MJ/'LS9!)!2F&:Y<$=!_!!NES5P^X^HYU:T>N^4:KML4K[2B<T<;'C<K3KSU2
M]I-9K"=S3G:=(6MF4IT('A4+:ER[KW@WH,,%K5,7S?`QV\61IFJKC8R/S#9$
M<A$$AMELTBNJ+23D>LXBI[BK7<<E30962/D,@0N*F#+5\L=&M?V/4`!V*0#1
MB,UVN@&&(\S&WP;T[\^G6Y/XC-(DU<?UT>A,<C]!,'.UTY^.,*LE"Z2AQD<V
M<IZO;T*:L2I*QK4:0#$G&?I:)&)6/L^H7LV(LOY3=I)TVEL:D*/;ZIB^E;&[
M)MR9$>E3+([H]`H*V^I%*XLU$G4M'7[P6,X(B@#+UL>MAUO64Q.+7BK$J15<
MC:`AK)/^'<'71RZ:@.B?-^O*A\0*.W3R&?&&8MCBJ9$UAVH$FB#Y)R#.0#87
M0Q=('MF=@O"H+>F4[&C+R&Q\F=LV4UG,+XMR2"Q'EBU26_)9QVM^(S.,04BJ
M*=N#GG?O$J04(H:AN+?)9FCAE-#.;'V,31V!I4*1*P!<.\$&)`A$2C+WD9G'
MD;NN`T:E<2XA4DQS6X(Y?#Z5'W=?JT(A-G>RXL]L;W+)`^1-ICMB/YZE]G3-
M"XHXHF-.[K1][<2FW1YV@F&"#JF+YO@8X>+NPJW/C&QOBZTJ[@E=PNT&.1VS
M";4O*;\;X3?,(W&Y8S^B)PMZMC`3=C7+I"ZH75$C1A-`YJFH"<T&P"ZP(RQY
MF,?@L-K*YJ;CGM5SJEV"DU\=@T=0<9J<Y;V[RX3P2>(725.#O9$F>;A-T[5N
MYR]I6$("FY`5W1Q*;NW&/8R080D;U7]$XN3$]-S.[CC[NX-+BB:GXI&0XF,C
MBJ1G$(7<MO5;"F7#;5)@3M$F;T6;L'5%\&]Y3$X\>+$;CSCRMJNMH=>O%%DY
M-Q&UZR5V1RPB/B:\F[<GG(E/$Y(V.EBQICH^7J`5Q.'ZW&%N4M*]F4'#2(0+
MCM$Z,V1H.0V/ERX'9)E-9S"^+<D@L1Y8M4EOR6<=K?B,SC$%(JBG;@YYW[Q*
MD%"*&H;BWR69HX930SFQ]C$T=@:5"D2L`7#O!!B0(1$HR]Y&9QY&[K@-&I7$
MN(5),<UN".7P^E1]W7ZM"(39WLN+/;&]RR0/D3:8[8C^>I?9TS0N*.*)C3NZ
MT?>W$IMT>=H)A@@ZIB^;X%'^+#'G)[XH&K@6O`JPB,2L2*RFSFRSKFF/'R$W
M#7J1!(&UTIMYMZOS`3.(BE+NZH5:;N`3#%ZIM+1##LE09O1B/,PD\%=!'7J4
M6K/:@FM(PZE=PIFC!_%^GN8=Q\MC6.PMR9<YCMR4"N(X*RLCG9E+&V)4[<5L
MAX``9IH^LF+UN(RE[/>;]7]$XN3$]-S.[CC[NX-+BB:GXI&0XF,CBJ1G$(7<
MMO5;"F7#;5)@3M$F;T6;L'5%\&]Y3`X\>+$;CSCRMJNMH=>O%%DY-Q&UZR5V
M1RPB/B:\F[<GG(E/$Y(V.EBQICH^7J`5Q.'ZW&%N4M*]F4'#2(0+CM$Z,V1H
M.0V/ERX'9)E-9S"^+<D@L1Y8M4EOR6<=K?B,SC$%(JBG;@YYW[Q*D%"*&H;B
MWR69HX930SFQ]C$T=@:5"D2L`7#O!!B0(1$HR]Y&9QY&[K@-&I7$N(5),<UN
M".7P^E1]W7ZM"(39WLN+/;&]RR0/D3:8[8C^>I?9TS0N*.*)C3NZT?>W$IMT
M>=H)A@@ZIB^;X&8&"#`&`,`8`P!@'__7[^,`8`P!@&G_`,81<S1FN>.TU*:^
M2!=FH;^106H)EQD15BYS.-2^V85*X*>RO3;;P]0I8P6$TN!K,6$W6C_*BA)H
MD83-Z"9&91]ON/V\+^M6Z*O5GO17'3ESQ_''Z7XKT'%TG*)77AR5VKJD8Y/V
M6/(X/J`N[J:L<TCBXK7)_4.(M:TI>DY2$!"8&R`$)?:;.[78V>3U;94:D,><
MY<P2&`3%C?(FRBZCS)V=VCKB@<X\TB[9/U7-Z1*!IB-]H#H--#\8/W=4Q.8/
M@S'VRVUU&OR6@O$WGL%E-\<8ILQWI8I?&YM@[/!N(NY]%Z,@\N#!W1,N+A58
M2.5J5C\I3H0/SDJ:BTR@02BS$^X;'[>*.KO*:SFTY:"96GQ,9BGA5&\^K3D<
M<#1W)^P*UHU-10ZHL&=QN#+*NIVY2%<[=6FP])X:@9#V-P2(SPM2U>T@+4`Z
MNS0*Y[3-?=YHW.<&H`W5=Q+HV"-<3M"#IV&':`=&+J/8E%JM[FX.SF[/1LZ'
M&#38X!^<WA>>K,+0;TC)">$LD("PA`&F+YLPN\81<S1FN>.TU*:^2!=FH;^1
M06H)EQD15BYS.-2^V85*X*>RO3;;P]0I8P6$TN!K,6$W6C_*BA)HD83-Z"9&
M6/M]Q^WA?UJW15ZL]Z*XZ<N>/XX_2_%>@XNDY1*Z\.2NU=4C')^RQY'!]0%W
M=35CFD<7%:Y/ZAQ%K6E+TG*0@(3`V0`A+[39W:[&SR>K;*C4ACSG+F"0P"8L
M;Y$V474>9.SNT=<4#G'FD7;)^JYO2)0-,1OM`=!IH?C!^[JF)S!\&8^V6VNH
MU^2T%XF\]@LIOCC%-F.]+%+XW-L'9X-Q%W/HO1D'EP8.Z)EQ<*K"1RM2L?E*
M="!^<E346F4""468GW#8_;Q1U=Y36<VG+03*T^)C,4\*HWGU:<CC@:.Y/V!6
MM&IJ*'5%@SN-P995U.W*0KG;JTV'I/#4#(>QN"1&>%J6KVD!:@'5V:!7/:9K
M[O-&YS@U`&ZKN)=&P1KB=H0=.PP[0#HQ=1[$HM5O<W!V<W9Z-G0XP:;'`/SF
M\+SU9A:#>D9(3PEDA`6$(`TQ?-F(_C!.3%$Z+IFPC6_D(7/XKR4@K34,TXUI
M:Y73N`6%8\6G5;MKF[HK7,+@RN(2I+*#8V<6KV$6W)Z0[+$$>M"U&6/-D3\,
M*L$,5E\J=]\<.8U$G0KC]25"Q@_E"IK/;4]0^!.TX>#11<NO'9Q,529TDDA4
MN+P8LT!,GTH((;RDR<(B<(2^TVJ6NQL\GJVRHU(8\YRY@D,`F+&^1-E%U'F3
ML[M'7%`YQYI%VR?JN;TB4#3$;[0'0::'XP?NZIB<P?!F/MEMKJ-?DM!>)O/8
M+*;XXQ39CO2Q2^-S;!V>#<1=SZ+T9!Y<&#NB9<7"JPD<K4K'Y2G0@?G)4U%I
ME`@E%F)]PV/V\4=7>4UG-IRT$RM/B8S%/"J-Y]6G(XX&CN3]@5K1J:BAU18,
M[C<&65=3MRD*YVZM-AZ3PU`R'L;@D1GA:EJ]I`6H!U=F@5SVF:^[S1N<X-0!
MNJ[B71L$:XG:$'3L,.T`Z,74>Q*+5;W-P=G-V>C9T.,&FQP#\YO"\]686@WI
M&2$\)9(0%A"`-,7S9B/XP3DQ1.BZ9L(UOY"%S^*\E(*TU#-.-:6N5T[@%A6/
M%IU6[:YNZ*US"X,KB$J2R@V-G%J]A%MR>D.RQ!'K0M1ECS9$_#"K!#%9?*G?
M?'#F-1)T*X_4E0L8/Y0J:SVU/4/@3M.'@T47+KQV<3%4F=))(5+B\&+-`3)]
M*""&\I,G"(G"$OM-N$P:FY]B4I9'=J.?6EXCCVU.C(F%U%#RW.#8J2+6H@?:
MD=4YP3'")#OK@Z!#U\;7W<IB<I?#"+LMKF56-LXZ^*'/:SD=R\4HU'[0G1?&
MYKAU=5?PSMJ5>C2MI<9#G5"]"AM56&\+%4E6[2"DY@6C:<LPG>C@'0V/V\4=
M:^4UG-IRT$RM/B8S%/"J-Y]6G(XX&CN3]@5K1J:BAU18,[C<&65=3MRD*YVZ
MM-AZ3PU`R'L;@D1GA:EJ]I`6H!U=F@5SVF:^[S1N<X-0!NJ[B71L$:XG:$'3
ML,.T`Z,74>Q*+5;W-P=G-V>C9T.,&FQP#\YO"\]686@WI&2$\)9(0%A"`-,7
MS9B/XP3DQ1.BZ9L(UOY"%S^*\E(*TU#-.-:6N5T[@%A6/%IU6[:YNZ*US"X,
MKB$J2R@V-G%J]A%MR>D.RQ!'K0M1ECS9$_#"K!#%9?*G??'#F-1)T*X_4E0L
M8/Y0J:SVU/4/@3M.'@T47+KQV<3%4F=))(5+B\&+-`3)]*""&\I,G"(G"$OM
M-N$P:FY]B4I9'=J.?6EXCCVU.C(F%U%#RW.#8J2+6H@?:D=4YP3'")#OK@Z!
M#U\;7W<IB<I?#"+LMKF56-LXZ^*'/:SD=R\4HU'[0G1?&YKAU=5?PSMJ5>C2
MMI<9#G5"]"AM56&\+%4E6[2"DY@6C:<LPG>C@'0V/V\4=:^4UG-IRT$RM/B8
MS%/"J-Y]6G(XX&CN3]@5K1J:BAU18,[C<&65=3MRD*YVZM-AZ3PU`R'L;@D1
MGA:EJ]I`6H!U=F@5SVF:^[S1N<X-0!NJ[B71L$:XG:$'3L,.T`Z,74>Q*+5;
MW-P=G-V>C9T.,&FQP#\YO"\]686@WI&2$\)9(0%A"`-,7S9B/XP3DQ1.BZ9L
M(UOY"%S^*\E(*TU#-.-:6N5T[@%A6/%IU6[:YNZ*US"X,KB$J2R@V-G%J]A%
MMR>D.RQ!'K0M1ECS9$_#"K!#%9?*G??'#F-1)T*X_4E0L8/Y0J:SVU/4/@3M
M.'@T47+KQV<3%4F=))(5+B\&+-`3)]*""&\I,G"(G"$OM-N$P:FY]B4I9'=J
M.?6EXCCVU.C(F%U%#RW.#8J2+6H@?:D=4YP3'")#OK@Z!#U\;7W<IB<I?#"+
MLMKF56-LXZ^*'/:SD=R\4HU'[0G1?&YKAU=5?PSMJ5>C2MI<9#G5"]"AM56&
M\+%4E6[2"DY@6C:<LPG>C@'0V/V\4=:^4UG-IRT$RM/B8S%/"J-Y]6G(XX&C
MN3]@5K1J:BAU18,[C<&65=3MRD*YVZM-AZ3PU`R'L;@D1GA:EJ]I`6H!U=F@
M5SVF:^[S1N<X-0!NJ[B71L$:XG:$'3L,.T`Z,74>Q*+5;W-P=G-V>C9T.,&F
MQP#\YO"\]686@WI&2$\)9(0%A"`-,7S9A_XOC00^U50#?&V2QY3>I'(9$^<?
MXQ7==U1;WE.9,-56BOEJF65?>+@V5G+X\SU:%\4DEG'IW4EW`B&VGD*/O@8R
MQ]ON*)\*4VN7F_K8EC9<H[RLZ2<8:2>)-(V*@*OXK1J$,YEMW[%5%22^CZ_+
M4O35=$&FT%=`O1[\O6J"$ZA.G2]5/KKG$67+D;MK"6,;=`9PX2=H&_QI!$)*
MLD+$6C"XF/;&E95I[LT%MX_B+AN2`!A.B=_`;L?5W]W*8')Q34DKV-+>++-=
MOUR6N/6Q='#UXXA<;ISSF,OCAM/:IE%\UE&XLXPN6Q2#MB^1S+BVLD34YKX(
M_.BPHLQI1G%#.0;%LB&Q^W0Z]LIK.;'G&_*8?SNLV;5O95U<=(&C:J,A_,SD
M:W4[Q=Y`53`GMX8AFU.>]0>WX](+4@45.BKBE(=I<W`/C"!483I2ET8!6HR&
M:Y(VK^&*D@2#A%3B2LP2'YGD.-N@1JY2],C\]/+KN[K(%*9(>OC+%&8V4DE,
MKVM<4B1O0)4+>D5%)2`=D2#>ZC&7-E'>+D@/=:TX\-\&8;*D7(OZQB!SXU(Z
MT'3`UB6PF:J;3<)*Z/S5R%2K*DDK.CJXI]T0UK`;<%SH-(6AV`SKF`C+'F_<
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M1K=3O%WD!5,">WAB&;4Y[U![?CT@M2!14Z*N*4AVES<`^,(%1A.E*71@%:C(
M9KDC:OX8J2!(.$5.)*S!(?F>0XVZ!&KE+TR/ST\NN[NL@4IDAZ^,L49C9224
MRO:UQ2)&]`E0MZ144E(!V1(-[J,9<V5+XMS>4\453K/'V&PI'=[CR7@X>,K;
M72VHD2_TWMT#M%Z2J'ST\(W"IU[`16[9)-[1.Q!FER[NR=-U%AB<P$98^WW&
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MO%WD!5,">WAB&;4Y[U![?CT@M2!14Z*N*4AVES<`^,(%1A.E*71@%:C(9KDC
M:OX8J2!(.$5.)*S!(?F>0XVZ!&KE+TR/ST\NN[NL@4IDAZ^,L49C9224RO:U
MQ2)&]`E0MZ144E(!V1(-[J,9<V9[X(,`8`P!@#`&`?_0[^,`8`P!@$9EGR8G
M^C/RRQ_2SY,^54OX/_;/]1_&^I@$FP!@$9B'R"G^C/X:\_1#Y!^6G#\'_'?Z
M[^.]K@$FP",_WR_NS]&?]\OE7]6?]:P"38!&99\F)_HS\LL?TL^3/E5+^#_V
MS_4?QOJ8!)L`8!&8A\@I_HS^&O/T0^0?EIP_!_QW^N_CO:X!)L`C/]\O[L_1
MG_?+Y5_5G_6L`DV`1F7_`""H^C/X:S?2_P"0?EIO_"/QW^I?CO98!)L`8!&8
MA\@I_HS^&O/T0^0?EIP_!_QW^N_CO:X!)L`C/]\O[L_1G_?+Y5_5G_6L`DV`
M1F7_`""H^C/X:S?2_P"0?EIO_"/QW^I?CO98!)L`8!&8G\F*/HS\LOGT3^3/
ME55^$?VS_7OQOKX!)L`C/]\O[L_1G_?+Y5_5G_6L`DV`1F7_`""H^C/X:S?2
M_P"0?EIO_"/QW^I?CO98!)L`8!&8G\F*/HS\LOGT3^3/E55^$?VS_7OQOKX!
M)L`C/]\O[L_1G_?+Y5_5G_6L`DV`1F7_`""H^C/X:S?2_P"0?EIO_"/QW^I?
MCO98!)L`8!&8G\F*/HS\LOGT3^3/E55^$?VS_7OQOKX!)L`C/]\O[L_1G_?+
MY5_5G_6L`DV`8%<\O\CAOZH?MZ\<O6G\L?A$J]3/_%[^K_V%Y4P5>W[#$CA)
M_P!5KQ3_`%`_@7'_`-3GTF^2Y-ZVO_W_`/\`4OQSM<GM97]V/,W693$U<3/U
M3\%O^EQ]J.N/IGZI_IF]_86__P!1_P"SG]L]YR&7OYFT?*8FMVQ/7OSB^QM]
MBF)?3GZ2_@]S?:^_X`_U/^RO*N0R]BY\SVO"H_Z?G&WU3_1F3>HWU4^L*7_0
M[\2_SWXWVN5$ES9/N9'_`('%[U`_;*H7UZ?*GR@]^H+_`(_?^F?V-Y5P%[3&
MCBG_`-2WQ&?LM_(U`^IGUS_(3U]H;_\`9OZK^+]7)[2O[JYFU5Q^3U_X%^!*
MOE'Y/_\``'^'_B7^=_\`DZ<IB<]T]]1/@X?].O[954?1[Z%^LP7V%OQ+^J?_
M`'/)F3W&?MESY'0[E,#6[8GKWYQ?8V^Q3$OIS])?P>YOM??\`?ZG_97E7(9>
MQ<^9[7A4?]/SC;ZI_HS)O4;ZJ?6%+_H=^)?Y[\;[7*B2YLG_`#4^BU!>H'[9
M/%#U]_XQQSU+?\?O]G/_`.1@+VF-%!_]5_FY]ESU-4SZKOM"?@S9]H#\<_\`
M3O[*[CD]I?ZJ-JCC\GK_`,"_`E7RC\G_`/@#_#_Q+_.__)TY3$Y[I[ZB?!P_
MZ=?VRJH^CWT+]9@OL+?B7]4_^YY,R>XS]LN?(Z'<I@:W;$]>_.+[&WV*8E].
M?I+^#W-]K[_@#_4_[*\JY#+V+GS/:\*C_I^<;?5/]&9-ZC?53ZPI?]#OQ+_/
5?C?:Y427-FPC!!@#`&`,`8`P#__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>g90582ntcfs2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582ntcfs2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04T4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````$@```O`````&`&X`=`!C
M`&8`<P`R`````0`````````````````````````!``````````````+P````
M$@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P``````I<````!````<`````,`
M``%0```#\````GL`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#GTEQ22:\^]JDN*224]JDN*224]JDN*224_0?U-V_\V\/;]FCWS.Z9
MWNW>IZG^&W?SG^#_`-%^C6S_`.PR^8TD1L[>+^;AM\H?IS_V&2_]AE\QI(K_
M`+'Z<_\`89+_`-AE\QI)*^Q__]D`.$))300A``````!5`````0$````/`$$`
M9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0
M`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!
M``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!
M`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`!("\`,!$0`"$0$#$0'_W0`$`%[_
MQ`"/``$``@,`````````````````"0H&"`L!`0`"`@,````````````````$
M"04(`@,&$``!`0<$`0(#"0``````````"`0&U@>7&%@!`@,%$1(V(1,)8Q0T
M%55F-S@*$0$```,(`0$%!P4``````````0(#$E+3E`4&%E8$$2$Q83(S47$B
M0F('"!-#4S4V_]H`#`,!``(1`Q$`/P"&PQ2D0```````````````````````
M```````````````````````````````````````!<:^@G]/)P-J>WA4O/F6+
MGOUVT[&_:P2TZ68+I]*]#'T4MW7:VIEWO"Q]:\+`V<+&WOH\>G/KIR?+]6[K
M^O9>3BW_`"VC?INF4*<+-J:'MBWX_C+^U>EPVMY6[]S:/X_DU]1FL^/)7I25
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M>&A9ENP.#;)Z=I64H8;_T(;#%*1`````````````````````````````````
M`````````````````````````````-IT5)B>)82FI52"=_[TSL[X/!Q<KW=T
MS<>F_5V7"Z;;KVKYO#KNW[=W!LYV#H67FT9=O+KMV<[=R<'!Y]7+M\\Y)8SS
M0E>U_;S9WE[]WAHNV/%M0DKU81JSP_MT9/Q59_L]99(1L^OLFGC++[YH.F"Y
M[I.ZX+INPXSH=4R]$ZCFN_T[K.STK%MUV,G4]!T'7L_5=1UK-MUUUW:<#$P,
MO'Q[?.NNOC;\===3)0A"$(0A[EO?@>#XFF>#X>F^!0EI>#X]*2G3DA[I9))8
M2RRP^$)80@R,)8``````````````````````````````````````````!__1
MAL,4I$``````````````````````````````````````````````````````
M````````L@?YI/[53V]I_P`"Z_C_`'K[^=7VS^WOU?[?\O)/C?--]S;3^(?_
M`&NY?H?ZS\WUOK4_I_H_R_'^DNEDQ8.`````````````````````````````
..```````````````/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>26
<FILENAME>g90582ntcfscon2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582ntcfscon2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04N4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!S````!@``````````````$@```O`````)`&X`=`!C
M`&8`<P!C`&\`;@`R`````0`````````````````````````!````````````
M``+P````$@`````````````````````````````````````````````X0DE-
M!!$```````$!`#A"24T$%```````!`````(X0DE-!`P``````HL````!````
M<`````,```%0```#\````F\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.
M061O8F4`9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8
M$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.
M#A`4#@X.%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`S_P``1"``#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!
M`0$!`0$``````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#
M!`4&!P@)"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84
MD:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E
M\K.$P]-UX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>W
MQ]?G]Q$``@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(C
MP5+1\#,D8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#
MTW7C\T:4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`
M#`,!``(1`Q$`/P#GTEQ22:\^]JDN*224]JDN*224]JDN*224]JF=P>>.W*XM
M)!3](=%V?L?!V?8]GH,V^GNV1&FSUOTO_;OZ3]]7/_89?,:2>[L=A\NW1^G/
M_89+_P!AE\QI))^Q_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`!("\`,!$0`"$0$#$0'_W0`$`%[_Q`"4``$`
M`@,`````````````````"0H&!PL!`0`"`04````````````````%"00!`@,'
M"!`!``$!!P,!!@0'``````````@'`P4&UI<86`$"!!01$W,U53820C,T9687
M-PDY"A$!```#"``"!@L!``````````$"`Q)2TY0%!A96,001,A,S8P=!47&A
M(F)3DS0U-PC_V@`,`P$``A$#$0`_`(;$4I$`````````````````````````
M`````````````````````````````````````````;8H31K&,AJQTWHE@#Q/
M5XNJ9BRZ<*W3^+LM._Q_!]?;]/7WS>'NNG7OL[IN"[+.V\[S+3I^EXOCVG?^
M5NEA&:,)8>,4YMK0//[JU_2=NZ7):\]YRO+3E^J%J/XIYORR2^F>:/T2RQBZ
M.E,(&1(IA3G`].O#CY1C$?CX)PK<>&>W$6*J5X$OS$V(+2Y[OL/"M[]Q!>]X
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MJ;Y:+,MV!P;9/3M*RE##?__0AL12D0``````````````````````````````
M```````````````````````````````````!;%_YQ(:_?DV\:W5]2I713U=C
M\/\`J1C/PO>=OPKC\7R+/K]3LNYE^7D\9XO;W_)NP/[/YB:A0O>6\IZ8?OU8
M?=1EFA\:5;&93VZ`````````````````````````_]&&Q%*1````````````
M``````````````````````````````````````````````````````'2!_Q0
M_P"N>(_VG_::[_LOY/\`-+U_>?S9]?\`X[ZQ(TO=R?8MH^27^4;&]Q_!E]UZ
COK3>/Q?UOC>T2%.1VF`````````````````````````__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>27
<FILENAME>g90582rirpaf2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582rirpaf2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04F4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````$@```40````'`'(`:0!R
M`'``80!F`#(````!``````````````````````````$``````````````40`
M```2`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````"B`````$```!P````
M!@```5````?@```";``8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(``8`<`,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.?27%))KS[VJ2XI))3VJ2XI))3VJ2XI))3VJ2XI))3VJ2XI))3V
MJO=#KP+.KXHZE:VG#;8'6EP)#H/LI.UKO;99M]1S_P!'Z7J+SQ))=C^>.VX^
M;Y?J_P#_V3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`
M;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O
M`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`
M9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"
M`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P/_P``1"``2`40#`1$``A$!`Q$!_]T`!``I_\0`C@`!`0$!````````
M``````````D*"P$!``,!`0$```````````````0%"0@#!Q`!```!"`<$"P``
M``````````,!`@04!086!Q(R$Q4V-P@A)#1D)54F9A@H.`D9*0H1`0```@<%
M!0D````````````!`A$Q$@,3,P0B(Q0T!D%1,F(U4V,%%B8'%R<(_]H`#`,!
M``(1`Q$`/P"-BJ8B```````````````````````````````````````-3'X:
M_P!.>+,*_-O]4_@_:+"NX^3.I7>6?I.H;.LXI[OJI6#N::-NMVA^`?T)QO!?
M7/J-6\P['*=_+[RQ1:XG8J?_T(V*IB(`````````````````````````````
M`````````J9]G_HU^,;K&N=9-Y+*WAE)E+5\U,UZQ!VEG6E95A4Z!ARYE)TY
M)(,?&MYI:/1H\#2FQ)]ES*;$F=L&5ZW,EN>%-4'VC[#]`?/W7V@N-7<6O@6A
MHU.IIALS2R1AAW4>R.+>698RUQNX7D8>%T/U@U3?_]&-BJ8B````````````
M``````````````````````````-A'\QW*CJNX3YA9;>#XZX;O)Q'[I^I?.;T
>3--5.[R_CST3K;(YK3U9V7>9GNO9>?&:@TEV2__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>28
<FILENAME>g90582sfd2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582sfd2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04\4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!I````!@``````````````$@```O`````$`',`9@!D
M`#(````!``````````````````````````$``````````````O`````2````
M`````````````````````````````````````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````"I`````$```!P`````P```5``
M``/P```"B``8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(``,`<`,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`.?27%))KS[VJ2XI))3ZY_B]V_MB_P#F=WV<QZT[HW-W>C_@_P#CM_\`P?I_
MX1>@?^PR^8TD1LZW)_S,=MR_3G_L,E_[#+YC21;'V/TY_P"PR7_L,OF-))7V
M/TY_[#)?^PR^8TDE?8_3G_L,E_[#+YC225]C_]DX0DE-!"$``````%4````!
M`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O
M`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``
M````!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#
M`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`$@+P`P$1``(1`0,1
M`?_=``0`7O_$`),``0`"`P`````````````````)"@8'"P$!``("`P``````
M``````````4)`00#!P@0``$"!00!``<(`P`````````'"`/6EQA8`0(%!@0A
M$A,4-18V$2(T9%4F9@DW.0H1`0``!`<``@`#!`L````````!`@,%$E+3E`86
M5A$$(3$S03('"%%B$R-38W,4)#0W_]H`#`,!``(1`Q$`/P"&PBE(@```````
M``````````````````````````&=)@F_;EA4;HZ5="XS?S'=%$[5P?3NL\=M
MUW;=GD<QS_(0..\/7R8VW9$T\7P8$6/I$\B/NT]2!`V;XF_73;MUUTS"$8QA
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MY:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6
MAAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH8
M9<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7
M+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP
M.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#H
MW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-P
MGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\
M=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6
MK:4-,M&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJV
ME#3+1FHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0
MTRT9J.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,
MM&:CC&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1
MFHXQMZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J
M.,;>J+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC
M&WJBR;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQM
MZHLF\M##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J
M+)O+0PRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR
M;RT,,N6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\
MM##+E@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0
MPRY8'1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,
MN6!T;A/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E
M@=&X3XZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'
M1N$^.M6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;
MA/CK5M*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3
MXZU;2AIEHS4<8V]463>6AAERP.C<)\=:MI0TRT9J.,;>J+)O+0PRY8'1N$^.
MM6TH:9:,U'&-O5%DWEH89<L#HW"?'6K:4-,M&:CC&WJBR;RT,,N6!T;A/CK5
MM*&F6C-1QC;U19-Y:&&7+`Z-PGQUJVE#3+1FHXQMZHLF\M##+E@=&X3XZU;2
MAIO_T(;"*4B``````````````````````````````````6@_^<EFOS/WKN[T
MNZ<5Z_#)Y[^FR.^]P?N>5W?F>-V?//:O$]IMV[_VWU7D8?&0(NWUX46)S'E;
M?1%\;T;7UY/F,9XO9/\`*=P#_>7*X_Q"N%#_`(_U<7U_J_,/SK3R_P!]4A_I
MTYH4X1_&$8U9X?G(N$&V]Y``````````````````````````````````````
M``````````````````````````````````#_T8;"*4B`````````````````
M`````````````````=#_`/I7_P!9[9?I+X3WGZ/_``?^3>Y_&?Y;^K?G_:$A
M1_3E6I_R]_\`D'#_`-#]RM^E^7_8J_O_`.;_`(G]?Y2F'*[H````````````
M````````````````````````````````````````````````````````````
#'__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>29
<FILENAME>g90582toc_ash2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582toc_ash2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[05`4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````$P```-$````(`'0`;P!C
M`%\`80!S`&@`,@````$``````````````````````````0``````````````
MT0```!,`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````*?`````0```'``
M```*```!4```#2````*#`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`"@!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`Y])))->?4DDDDI22222E))))*4DDDDI28F!//D$ZN]#_`.7.
MG?0_I-7\Y]'Z;>?^^?\`")*'B^E_5CZN8_3.CTTY-+'Y5GZ7)+FAQ#W?X/7=
M_,M_1+5^P8'_`'&J_P`QO]RL))P=O'[?!'AKAH4__]D`.$))300A``````!5
M`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-
M!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("
M`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`!,`T0,!$0`"
M$0$#$0'_W0`$`!O_Q`".``$``04`````````````````"08'"`H+`0$``@,!
M````````````````!0D"!`@'$``!`0<!!08'````````````!0$"`P0&!P@4
M$1,5%Q@A$A;6EU@B,B0U)@D*$0$``0($`@@$!P$``````````@$#$1(%!A,$
M(5+3%)065@<Q<2(C08$R0F)3%PC_V@`,`P$``A$#$0`_`(;"*4B`````````
M```````````````!>3'JR%8Y)7MME8J@8&]JJYM6)M,R$=Z$_'ETF5COO3"U
M42A#A-=BM2:80Y>949QKOQ.RLK$:S:UFPRC&LI4C3XU3^UMN<_N[<6C[;TR.
M/.\Y?C;C7#&D:5Z9W)8=.6W"DKD_XQJZ.%N\$L1+<4%1E`)V.MEEJ2HRF$2F
M9=:J:U=!KM2++B*G2\@U7J%:4*?CSRLN*CT!L>;F8K[T2-'B/OM;M:2-(1I2
ME,M%L>E>VNQ=)TS3]+M;4T^Y;Y>S"W2=SEK,[D\D:1S3G*%:RG+#-*5:XUE6
MM59=(V*/MCQZ]%K;^6AECU:)#R-LGT=I7A+'9G2-BC[8\>O1:V_EH98]6AY&
MV3Z.TKPECLSI&Q1]L>/7HM;?RT,L>K0\C;)]':5X2QV;_]"&PBE(@```````
M`````````````````;;G\XF&NB2J\S;K1*V3"SQ*U=E-7!^1*E)F'S(K.2WC
M'W'M:IRT)#E8\-KL2'I%.$]M<B]NWR\/C.OY.Y/^3=@<.SJ?N)J%CZKF;EN4
MQI^VE?OW:?.5*68RITTRWHUZ)-J\VG:X```?_]&&PBE(@```````````````
M`````````=+#];NAZ$,5N&\NM!R>I?1\JO$/@O3[F)N]-XL_)>/=W[WKOJ>-
MZOO]I)6_T1^2W?VDX?\`FFRN#W3A=PMX=VS\+##\.+]S/_=G^KC<3%FV9O1`
%```__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>30
<FILENAME>g90582top_bar2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582top_bar2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[03^4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@```````````````0```W`````(`'0`;P!P
M`%\`8@!A`'(`,@````$``````````````````````````0`````````````#
M<`````$`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````)=`````0```'``
M```!```!4````5````)!`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@``0!P`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`Y])<4DFO/O:I+BDDE/:I+BDDE/:I+BDDE/:I+BDDE/:I+BDD
ME/:I+BDDE/\`_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!
M9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!
M`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`__``!$(``$#<`,!$0`"$0$#$0'_W0`$`&[_Q`!-``$!````
M````````````````"0$!`0$```````````````````4)$`$`````````````
M````````$0$`````````````````````_]H`#`,!``(1`Q$`/P"-B4Q$````
M````````````````````````````````````````````````````````````
D`````````````````````````````````````````````?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>31
<FILENAME>g90582tos2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582tos2.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04Z4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!I````!@``````````````$@```O`````$`'0`;P!S
M`#(````!``````````````````````````$``````````````O`````2````
M`````````````````````````````````````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````"H@````$```!P`````P```5``
M``/P```"A@`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(``,`<`,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`.?27%))KS[VJ8\'GY<KBTD%/T?T/;^Q<'9]CV^@S;Z>[;$:;?5_2_U_4_2>
MHKO_`+#+YC23W=C\HVV#].?^PR7_`+#+YC223]C].?\`L,E_[#+YC225]C].
M?^PR7_L,OF-))7V/TY_[#)?^PR^8TDE?8__9.$))300A``````!5`````0$`
M```/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B
M`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8`````
M``<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#
M`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`!("\`,!$0`"$0$#$0'_
MW0`$`%[_Q`"/``$``04!````````````````"0$$!@@+"@$!``(#`0$`````
M``````````4)`0,$!P@0``$"!0,"`P4)```````````'"`+6EQA8`0,$!081
M-#82$Q1D%2%B,U-4-687"1$!```$!P``!0,$`P````````$"`P824M.4!196
M$3$R,P0A06%18A,'-'0(_]H`#`,!``(1`Q$`/P"&PBE(@```````````````
M```````````````W\_S-:#RWK.[3A)N7Q.1NI]TGD:]_*]S=GWL$/#37M7E<
M3>ZQPHN3M:Z;G%Y'=?/Y'%Z+QMV'QBV>1U&#=\-8=N+PV4Y,<\(?L]/_`-/V
M)/\`[#OKB>#J4XQXN2/^?\J,/V_'IQA&:'QA\HU9HRTI8_M-4A'Y0BZ!,+16
MGP0PPPMA;S###II###"BJ;:0PPZ:>&D,.FG;6FFFFFFGV:'?AERP6A0L6R(0
MA"%G<5\/^I^/IJVC-1QC;U19-Y:&&7+!GHUD^.XK:4-,M&:CC&WJBR;RT,,N
M6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@
M=&LGQW%;2AIEHS4<8V]463>6AAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1
MK)\=Q6TH:9:,U'&-O5%DWEH89<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R
M?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQ
MW%;2AIEHS4<8V]463>6AAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q
M6TH:9:,U'&-O5%DWEH89<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M
M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2A
MIEHS4<8V]463>6AAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9
M:,U'&-O5%DWEH89<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C
M-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4
M<8V]463>6AAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&
M-O5%DWEH89<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;
MU19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]4
M63>6AAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%D
MWEH89<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y
M:&&7+`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6A
MAERP.C63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%DWEH89
M<L#HUD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+
M`Z-9/CN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6AAERP.
MC63X[BMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%DWEH89<L#HU
MD^.XK:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/
MCN*VE#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6AAERP.C63X[
MBMI0TRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%DWEH89<L#HUD^.XK
M:4-,M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE
M#3+1FHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6AAERP.C63X[BMI0T
MRT9J.,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%DWEH89<L#HUD^.XK:4-,M
M&:CC&WJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1F
MHXQMZHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6AAERP.C63X[BMI0TRT9J.
M,;>J+)O+0PRY8'1K)\=Q6TH:9:,U'&-O5%DWEH89<L#HUD^.XK:4-,M&:CC&
MWJBR;RT,,N6!T:R?'<5M*&F6C-1QC;U19-Y:&&7+`Z-9/CN*VE#3+1FHXQMZ
MHLF\M##+E@=&LGQW%;2AIEHS4<8V]463>6AAERP.C63X[BMI0TW_T(;"*4B`
M`````````````````````````````#W<_P""C-;=FG[:T=V]*^$5!S7TOO./
MXK9]CF]%2KA;7(_K?I$/O(8HMGZ[QN=R.N[L6W%#IO;/4N+!N0^WQM/#NH28
M9/C'YQ65?^9K`ZI9$+@_.H8>9YC#5_6'ZR?C0A'_``2_QCA&:M'X?.%22$8?
M&1.D;WTB````````````````````````````````````````````````````
M```````````````````````!_]&&PBE(@```````````````````````````
M`!=\#SW"\IYOC>?\C^-!YWY3\S[GB9;*7W:?T_5#ZOI^?[_Q_7^'5>[0])]L
M>G?3O1?2'I/]MXWIC^._HOEO8).'R@NM_!_X7X?VOM2?:^W],/M_V9/[?@R(
MRZ@`````````````````````````````````````````````````````````
0``````````````````/_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>32
<FILENAME>g90582tx10.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582tx10.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[07`4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!I````!@``````````````'````O`````$`'0`>``Q
M`#`````!``````````````````````````$``````````````O`````<````
M`````````````````````````````````````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````#)P````$```!P````!````5``
M``5````#"P`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(``0`<`,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`&'_`#WTC[3^;M_FXC7T]OYFS]S\Q,[_`)ZR-_VB9]L^G,^WZ/\`X&O+$DW[
M7-_]J'U7_L[D_P!+G:9^A.R??_*V;TG_`//F1ZGVF?S9]/SX7E227VJ_]J'U
M>G_G]N=Z'VO=`W;?3XD[?^EO1?\`UY'_`'>_Z"\C22^U!_ZO]7US_P!>1_W>
M_P"@E_Z\C_N]_P!!>1I)?:K_`,.?</JS_P`\/VS3^V?MOV/:^=VW9OV_H_7V
M>_T_I?1_PWI+MO9_+_Z2^64D1]?JW.6^3]+?_*?,_4WL_E?])+V?RO\`I+Y9
M219OL?J;V?RO^DE[/Y7_`$E\LI)*^Q__V0`X0DE-!"$``````%4````!`0``
M``\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````
M!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#
M`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`'`+P`P$1``(1`0,1`?_=
M``0`7O_$`)4``0`"`@,!`0$````````````'"`8)!`4*`@,+`0$!``,!`0$`
M`````````````0($"04(!A````4#`P0!!`(#`0$```````0%!@<"`P@!EEC6
M%PD9UQ(4%181$R$B(S(*$0$```((!0,#`P,%`````````Y,!4A/3!%8'%Q$2
M8@46(3$"05%A(A4&<3(4\*'!\0C_V@`,`P$``A$#$0`_`-OTHXZN7'',EJGX
MLQ0-OMN01(#T7X_5F\V$LDR%1I9=*IQV8K,U=ME$LY?K+P!GI9<.NMXK>)4-
M!H7RJA=UJM562XC.BGC1ZT_Z_P"EJ)\BR0V='K/Q\Q)H;-DIXX(]8.0#BNJC
MQ5XFMO.:21TP_$$O2E->-G"@/0J[&NTW9JZT@P81DF^8D`D8I,V[Y.K2T3C]
M:?J_5S.%J2OD&C3DS;4?2TT'O(&*J\OP].\'NA+F=A-PXC,6LY+^.,SI1^E4
M1XUC!$.GS;U;BLD7$<LMI+E3CIHG6IF+)@>U'!`F,#6.(L+^'\U)Y^&3$3MK
M(:6[9!E7('6VX\(^^_QTS(1Z##R>BY)+C0:DJ](BTAE[UO1KHNAI;/I5W2[3
M<MVJ;[[+3[_+[OG%QF.9`1()?F*J.@7)#8>"\;7I=QQJ1$EJM[)IGEI"DA.?
M<9.>I22R)9"EYOF3])AOJQS^?QRB9J(J5&B>KW[E`I^O%*6)Z#&J.G4I>4\.
MIK/8*[BY#].,"%,D-7#\>M)!-IST-S!&=+,^W-("!-6K_5J+R\@V_L%Y>3*T
MZR6^[MD:JBXI_%+ND7&^`3BCXQU>6,88W0WY*Z^Z3TF-V1XW,.=RVRJ5B6[F
M8SVJ_CLJEG*\:J&G:*ME'M6%PQI<I5*"^E5N@[=^G4G&GU]7/7&%':EC[DG%
M;RC13)YS-E\3@4@U5)-A1JETTOZ.AXW<,WECI(U1.M1*1ZT8X-M@A:/$C]A(
M:I0F?*+]PO195+EP?6C[(?,L&26VP)&3FTRR.06-4DYG6V^^(I1FFC*.N,TN
M)&1C;6.\T=-\VE$?N(6>EB[I=7D^R7IO(9LS0OD_J)G%*FV7T]/NO!Y#8R2I
M1F/!QO%4"%E-]&Y#FVPWS\ZP[<F5A%$ZJ`'Q:N%'`W[*XUJJ4X^\3*%;LU5J
M-NFA3J*7:;!FY;IM:DH]J6KLS$T&L!-SJ91!AX^%-4K3*9F,)E-G&UXWY<*N
M%+PK:[)J4V_*A.H\F7(ENN(JY4^DFII9.P97+E-=HZ9/W;-G4OV2KE^Q8@=4
M.(3@Q^9[8*L0SCXF%)_I2XLN&(@<+HT?T#VH0+NYH6TQ'37),S07;"Q?L_9:
M4+R.@6E(NHWR5@R2TN"CW1G,T0L625IOMV&(PQT?DG%<:?(<D*)F*<;UV*&^
M[%&[+6(KBCC3&*RYCM)5HSRCPH4<)EH*Q-36DBV^4A?TTNUZUJINT./_``NA
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M1%!=MD%@UB9+Z3EN84TF3(Y;QLCI<OQ#(R`<)W5Q/)V?X1CBA2O$ZJB"BJ?2
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M9*Y5>2_M+YD?TI^[9[B\V$9O3MDLHPTB&V_C`MM&!S+%1DA),MZ,#LX63<SW
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MWX</HZ?5OL5BP[(\=O\`83.1"*UEQXQIX8R:RH[NIV/+K@HI.6*Q!X2-'K8K
MI7DY&=R8@MEU6Y,+4W-;MJW1J:OZ5$CM%Z\/K[_=US:8,+ZUY+INIR,6%?=D
MUY7)R:L1'B2NNJ;F8C+F5;65D9WR@X4Z^J,^1,8E%ODC-:\E*9%&3C2`8H+T
M5'];GU4#U]&VG`LDOI;)EY+7&G#Z903FQ3T3)"@!L.5APY.!6['<;ZF909;`
M<*RY"C1JNJ5-Y&5;2,I*2*=6D<X>LF;M\T:^FL:5Z@0`````````````````
M````````````````````````````````````````````````````````````
M`````'__T(B]R?DPY6.S:48]#CS[:)7<I=_=7\[1Y6'N3W)^3#E8[-I1CT.%
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MIC:TUT5TZZZ:Z:Z:Z:Z:A;1*YO[J_G:/*P]RXR=Y@?(^CIY!(2,G7`E)242*
MIR8F)S(BHBGIR>1L4%B1`@2+,2T6)DB9:U3;M6K=--%NBG2FG333330+:)7-
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MQZ'"VB5S?W5_.T>5A[E<C`;.;RDYG94Q=!9'*E[VF^KJVB](RP4:,9Z5-^-6
MY5;4'>I:7]&-526-F25.A`C77_IJHG2]&O\`Z&4/YQ?G\J/CSTOWVF.I&LVH
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M5B?'(<O52>,Q\U=UF0;@["K'(C(7<K$^.0Y>JD\9CYJ[K,@W#__1TV#RG$0`
M````````````````````````````````````````````````````````````
M``````````````![=_\`Y[\->S..:ODV\4K[>0<C/Z/U;[JS])Q&AQ#-7/PG
M]7UTZ72_[RMT752Y_&NMLR1LIMS3_.@W</\`#A\>:GWI=%?_`"U_`/'_`.)Q
M_P"88^!P[IW;A9\:/7X87X4_HX?:V^?&)3]/E\*(5+T*#8?4P```````````
M``````````````````````````````````__TM-@\IQ$````````````````
M``````````````````````````````````````````````````````````!E
MC!_3OWIE]Q?RW;[]L;G[U^`_K_._IWY@G^S_`(7^W_E^6_"?W_;?5_K_`'?3
M_/\`@6CAQHX^S>[9_@?N7;_W7G_:[>';<G]]ES46G)U<G'E_/!_4S8/Z=^BL
MOMU^)[??J;<_1?P']?X+]._#D_UC\+_5_P`OQ/X3^C[;Z?\`7^GZ?X_P/3HX
M<*.'L[/]L_P/VWM_[5R?M=A#L>3^RRY:+/DZ>3AR_C@RP5O`````````````
;````````````````````````````````#__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>33
<FILENAME>g90582tx11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582tx11.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[06\4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!I````!@``````````````'````O`````$`'0`>``Q
M`#$````!``````````````````````````$``````````````O`````<````
M`````````````````````````````````````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````#(P````$```!P````!````5``
M``5````#!P`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(``0`<`,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`&'_`#WTC[3^;M_FXC7T]OYFS]S\Q,[_`)ZR-_VB9]L^G,^WZ/\`:]->6))O
MVN;_`.U#ZK_V=R?Z7.TS]"=D^_\`E;-Z3_\`GS(]3[3/YL^GY\+RI)+[5?\`
MM0^KT_\`/[<[T/M>Z!NV^GQ)V_\`2WHO_KR/^[W_`$%Y&DE]J#_U?ZOKG_KR
M/^[W_07=?5_[3^QL7[=]H^U[3]H^T?SGJ2?4_FO9Z6[^8_X#T_SU\TI(C?K]
M6?EOF/S[?Y3]C]3>S^5_TDO9_*_Z2^64D6W]C]3>S^5_TDO9_*_Z2^64DE?8
M_4WL_E?])+V?RO\`I+Y9225]C__9`#A"24T$(0``````50````$!````#P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@`
M`0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#
M`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``<`O`#`1$``A$!`Q$!_]T`!`!>
M_\0`F``!``(!!`,```````````````<)"`($!08#"@L!`0$``P`"`P``````
M```````!`@4)`P<$!@@0```%`P,%``("`@(#```````$!08'`@,(`998UA?7
M"1D4%1$2$Q8C&"(D-Q$!```""`4$`0,!"0````````$#$A.3TP16!Q<14F(%
M%B$Q00)183(&<?"AP?$C%"05-?_:``P#`0`"$0,1`#\`M^E''5RXXYDM4_%F
M*!M]MR")`>B_'ZLWFPEDF0J-++I5..S%9FKMLHEG+]9>`,]++AUUO%;Q*AH-
M"^54+NM5JJR7$9PCQAZQ_M_DRHGR+)#9T>L_'S$FALV2GK@CU@Y`.*ZJ/%7B
M:V\YI)'3#\02]*4UXV<*`]"KL:[3=FKK2#!A&2;YB0"1BDS;ODZM+1./S'Y>
M5S.%J2OD&C3DS;4?2TT'O(&*J\OP].\'NA+F=A-PXC,6LY+^.,SI1^E41XUC
M!$.GS;U;BLD7$<LMI+E3CIHG6IF+)@>T."!,8&L<187]/YJ3S\,F(G;60TMV
MR#*N0.MMQX1]^?CIF0CT&'D]%R27&@U)5Z1%I#+WK>C71=#2V?2KNEVFY;M4
MWWX6/O\`;\M.+C,<R`B02_,54=`N2&P\%XVO2[CC4B)+5;V33/+2%)"<^XR<
M]2DED2R%+S?,GZ3#?5CG\_KE$S414J-$]7OW*!'YXI2Q/08U1TZE+RGAU-9[
M!7<7(?IQ@0IDAJX?CUI()M.>AN8(SI9GXYI`0)JU?ZM1>7D&W^`O+R96G62W
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M<;Q5`A93?1N0YML-\_.L.W)E811.J@!\6KA1P-^RN-:JE./O$RA6[-5:C;IH
M4ZBEVFP9N6Z;6I(>T579F)H-8";G4RB##Q\*:I6F4S,83*;.-KQORX5<*7A6
MUV34IM^5"=1Y,N1+=<15RI])-32R=@RN7*:[1TR?NV;.I?PE7+]BQ`ZH<0G!
MC\SVP58AG'Q,*3_2EQ9<,1`X71H_H'M0@7=S0MIB.FN29F@NV%B_9_"TH7D=
M`M*1=1ODK!DEI<$/=&<S1"Q9)6F^W88C#'1^2<5QI]AR0HF8IQO78H;[L4;L
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MP:Q,E])RW,*:3)D<MXV1TN7XAD9`.$[JXGD[/\(QQ0I7B=51!15/ZE^?7W3K
M!:;""A&"*W<G&"LFLST>>SUQ]&T]AN2N?5>4"TT**BU9!9;K3$S5T'X7OM^Z
M2K*+),[JTT]D:ZI]^Z7(6+Q2V3^GLS]EC((@VL>-)B9!4\94WPG-5*B1*>3;
M=3.,'WO*"@FMN/+;Q;CA14UW-)!*+:Z7.+UPX0M7DE&+FS=ZW307K_BIP]>"
MHLBU;["BR5L'<EG>9;;L:TZ8USC!LLH#^69%>#7HFJ9D`R\WLTI86(Z8BE9E
M)BR@GN]R*MVI')6T=ON@M:,:7$JNN[>C+]8.MS"B.$XXYL-9=0<TK,ALF3?3
MPUEV9K$;))YE9$MUBYV/5Q/&9FI^*G*YI-+F((L&M'8A&+EV\W2Q0V2N57DO
M\2^9'](_E9[B\V$9O3MDLHPTB&V_C`MM&!S+%1DA),MZ,#LX63<SWYP<D/H]
M\HG(538<+//,'0ZH(FGZ1072YVNFNH]2H7*JQC[0X^ZHRS$MG5B-FTCQRSLE
M&$Q-<7)5JE%`QU>#(R?9S.B7-_%Q^2'%&5+#HNN%`ER=C<4%'2I7C])8@Z:_
MU2]1=3::5R_6<C+C^K(;.4E!TY$I?F%(:K'>K<H2<(8ZM2.X(MO.9)5G<3R]
M*.I71R]9I*)*+L(,5@W*CK@M6#-LN02#M5-^]:MZFM;(AQAP8Z&X^5238?S=
M+%H=<)&*E/(9+AN.9&QT?;BQ8RWBN4W*FR49;^))5&<)E_8^/QH/5R&68GE&
M^:<EB^72BIQ,LJ1"BBX4'%*6J;`=R<&^?D9C1Z12J/;3)ZW(11XM9+6B9%"5
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M"V75;DPM3<UNVK=&IJ_I42.T7KP^??\`+CFTP87UKR73=3D8L*^[)KRN3DU8
MB/$E==4W,Q&7,JVLK(SOE!PIU]49\B8Q*+?)&:UY*4R*,G&D`Q07HJ/ZW/[4
M#U]%M.!9)?2V3+R6N-.'TR@G-BGHF2%`#8<K#AR<"MV.XWU,R@RV`X5ER%&C
M5=4J;R,JVD924D4ZM(YP]9,W;YHU_6L8LZ@0````````````````````````
M``````````````````````````````````````````````````````````'_
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M8G,B*B*>G)Y&Q06)$"!(LQ+18F2)EK5-NU:MTTT6Z*=*:=-----`KIG.;^ZO
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M'(4>J)XS/S5W6TDW!V%6.1&0NY6)XY"CU1/&9^:NZVDFX?_1IL&J<1``````
M`````````````````````````````````````````````````````````?1)
M]0V'_P#T^PR8:`X4;]7*TH46Y4E?0Q;_`*J)-=<A2Q4AM4Y_>BF\7K9S6ME"
M5XO_`&JM6U'0W<HU_P"6K7782?I0^D(?,75?0G^!^!Z?]LPN*P]#O>,_Y.)X
M_NA]YD(4)<?F%5+H_2/U]H3*R,/W16A#RO<@````````````````````````
M``````````````````````````````````/_TJ;!JG$0````````````````
M`````````````````````````````````````````````9D>O7LY_P!V\9>_
MG_RSNRV_WO\`E_P?KOVO^6Y_I?\`L'Y7_J_ZG_O/ZW]Q_E_X_P!7^1_;_P`?
MY&<OA3^M+VXOOVEG_0;B?P_R?_Q?]]+I^U&EQ_TJ?'TJJZKK>/I5TN/H^F&-
MDZ^@````````````````````````````````````````````````````````
%```/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>34
<FILENAME>g90582tx4.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g90582tx4.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[04L4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!G````!@``````````````$@```OL````#`'0`>``T
M`````0`````````````````````````!``````````````+[````$@``````
M```````````````````````````````````````X0DE-!!$```````$!`#A"
M24T$%```````!`````(X0DE-!`P``````I4````!````<`````,```%0```#
M\````GD`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`9(`````!
M_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.
M%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_
MP``1"``#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`````````
M`P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$
M`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T
M<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2D
MA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$
M`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#
M4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34
MY/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#G
MTEQ22:\^]JDN*224]JDN*224]JDN*224^[?XOMO[%NC[//VAV[?NWSM9_.[O
M;]'^;]+V>G_POJ+IO_89?,:2(V=G!_-0V^4/TY_[#)?^PR^8TD67['Z<_P#8
M9+_V&7S&DDK['__9`#A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`
M(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O
M`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.
M061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!
M`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P/_P``1"``2`OL#`1$``A$!`Q$!_]T`!`!@_\0`D``!`0`#
M`0````````````````D%"`H+`0$``@(#`0``````````````!0D#!`$""`80
M`0`!`0@"``,$"P`````````(!P(#!`76EQA8`082%#81%18*(1-3-#5E9A<W
M"3D1`0```P@"``0%!0`````````!`@,24M.4!0865A$$(3$3,T%18P<(@2(R
M-3?_V@`,`P$``A$#$0`_`(V(I2(`````````````````````````````````
M``````````````````````R&493FF?YMEF19)@,7FN<YUF."RG*,KP%Q>8K'
M9EFF98FZP>`P&"PUU9M7N(Q>,Q=]8N[NQ9\>;5NW:\>/'C[?+EEH4*WM5Z/K
M>M2FG]BI/"6666'F::::/B66$(?&,8QC"$(?C%Z)T*?]:T?8[QEI53"H5%J/
MU"J5EOK]UFU2O;_;*>^F^WYIF?O>?VO.;>QX6XSO.<HQ^)Q&2Y#C,5]VY?\`
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M;L#@VR>G:5E*&&<1HH]8X];+4WTT69;L#@VR>G:5E*&&_]"-B*4B````````
M```````````````````````````````````````````````+^_E^H:_WRDWC
M9%^X95\S3F-/R6:9)\U<_%@\ZK'G%W?_`(/N+K]9XLV;_P#!>"NK_.KRU=VO
MCPN.N\N\VO'PWWZ=CUY+4UJ/R@]/_P`7M@<DWA4W9[]#SI.D>)I/,/A/[4WG
MZ4(?G]*$(U8^/C+/"EY^$SN.;JQP````````````````````````````````
M`````!__T8V(I2(`````````````````````````````````````````````
M``````````[N?R\/_/.Z^D_\WU,^G/XQ^[>K_7O]6?L?Y%]W-[U_M_U65?Q6
M_P"5R_8_V/L?;_R^5/[WZOY?H_2729WI$```````````````````````````
+``````````!__]D_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
