<SUBMISSION>
<ACCESSION-NUMBER>0001206774-09-000045
<TYPE>S-3
<PUBLIC-DOCUMENT-COUNT>7
<FILING-DATE>20090116
<DATE-OF-FILING-DATE-CHANGE>20090116
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ENTERPRISE FINANCIAL SERVICES CORP
<CIK>0001025835
<ASSIGNED-SIC>6022
<IRS-NUMBER>431706259
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>S-3
<ACT>33
<FILE-NUMBER>333-156771
<FILM-NUMBER>09531388
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>150 NORTH MERAMEC
<STREET2>150 NORTH MERAMEC
<CITY>CLAYTON
<STATE>MO
<ZIP>63105
<PHONE>3147255500
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>150 NORTH MERAMEC
<STREET2>150 NORTH MERAMEC
<CITY>CLAYTON
<STATE>MO
<ZIP>63105
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>ENTERBANK HOLDINGS INC
<DATE-CHANGED>19961024
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>S-3
<SEQUENCE>1
<FILENAME>enterprise_s3.htm
<DESCRIPTION>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">

<CENTER><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD align=center width="100%"><STRONG><FONT face=serif size=2>As filed
      with the U.S. Securities and Exchange Commission on January 16,
      2009</FONT></STRONG></TD></TR>
  <TR>
    <TD align=right width="100%"><STRONG><FONT face=serif size=2>Registration
      No. 333-__________</FONT></STRONG></TD></TR></TABLE><B><FONT face=serif size=4>UNITED STATES</FONT></B> <BR><B><FONT face=serif size=4>SECURITIES AND
EXCHANGE COMMISSION</FONT></B> <BR><B><FONT face=serif>Washington, D.C.
20549</FONT></B><BR><BR><B><FONT face=serif size=5>FORM S-3</FONT></B>
<BR><B><FONT face=serif>REGISTRATION STATEMENT</FONT></B><BR><B><FONT face=serif>UNDER</FONT></B> <BR><B><FONT face=serif>THE SECURITIES ACT OF
1933</FONT></B> <BR><BR><B><FONT face=serif size=6>ENTERPRISE FINANCIAL
SERVICES<BR>CORP<BR></FONT></B><FONT face=serif size=2>(Exact Name of Registrant
as Specified in its Charter)</FONT></CENTER>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=center width="49%"><B><FONT face=serif size=2>Delaware</FONT></B>&nbsp;</TD>
    <TD noWrap align=center width="50%"><B><FONT face=serif size=2>43-1706529</FONT></B>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=center width="49%"><FONT face=serif size=2>(State or
      other jurisdiction of incorporation or</FONT>&nbsp;</TD>
    <TD noWrap align=center width="50%"><FONT face=serif size=2>(I.R.S.
      Employer Identification No.)</FONT>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=center width="49%"><FONT face=serif size=2>organization)</FONT>&nbsp;</TD>
    <TD noWrap align=left width="50%">&nbsp;</TD></TR></TABLE><BR>
<P align=center><B><FONT face=serif size=2>150 North Meramec<BR>Clayton,
Missouri 63105<BR>(314) 725-5500<BR></FONT></B><FONT face=serif size=2>(Address,
including zip code, and telephone number, including area code, of Registrant&#146;s
principal executive offices)</FONT></P>
<P align=center><B><FONT face=serif size=2>Frank H. Sanfilippo<BR>Chief
Financial Officer<BR>Enterprise Financial Services Corp <BR>150 North Meramec
<BR>Clayton, Missouri 63105<BR>(314) 725-5500</FONT></B> <FONT face=serif size=2><BR></FONT><FONT face=serif size=2>(Name, address, including zip code,
and telephone number, including area code, of agent for service for
Registrant)</FONT></P>
<P align=center><B><FONT face=serif size=2>with copies to:<BR>Charles E. H.
Luedde, Esq. <BR></FONT></B><B><FONT face=serif size=2>Phillip R. Stanton,
Esq.<BR>Greensfelder, Hemker &amp; Gale, P.C. <BR></FONT></B><B><FONT face=serif size=2>10 South Broadway, Suite 2000<BR>St. Louis, Missouri 63102<BR>(314)
241-9090</FONT></B><FONT face=serif size=2></FONT></P>
<P align=left><B><FONT face=serif size=2>Approximate date of commencement of
proposed sale to the public:</FONT></B> <FONT face=serif size=2>From time to
time after this Registration Statement becomes effective.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If the only
securities being registered on this Form are being offered pursuant to dividend
or interest reinvestment plans, please check the following box.</FONT> <FONT face=sans-serif size=2><FONT face=wingdings size=2>o</FONT></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If any of
the securities being registered on this Form are to be offered on a delayed or
continuous basis pursuant to Rule 415 under the Securities Act of 1933, other
than securities offered only in connection with the dividend or interest
reinvestment plans, check the following box.</FONT> <FONT face=Wingdings size=2>&#254;</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If this Form
is filed to register additional securities for an offering pursuant to Rule
462(b) under the Securities Act, please check the following box and list the
Securities Act registration statement number of the earlier effective
registration statement for the same offering. </FONT><FONT face=Wingdings size=2>o</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If this Form
is a post-effective amendment filed pursuant to Rule 462(c) under the Securities
Act, check the following box and list the Securities Act registration statement
number of the earlier effective registration statement for the same offering.
</FONT><FONT face=Wingdings size=2>o</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If this Form
is a registration statement pursuant to General Instruction I.D. or a
post-effective amendment hereto that shall become effective upon filing with the
Commission pursuant to Rule 462(e) under the Securities Act, check the following
box. </FONT><FONT face=Wingdings size=2>o</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If this Form
is a post-effective amendment to a registration statement filed pursuant to
General Instruction I.D. filed to register additional securities or additional
classes of securities pursuant to Rule 413(b) under the Securities Act, check
the following box. </FONT><FONT face=Wingdings size=2>o</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif 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. (Check one):</FONT></P>
<P align=center>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="24%"><FONT face=serif size=2>Large
      accelerated</FONT>&nbsp;<FONT size=2>filer <FONT face=Wingdings>o</FONT></FONT>&nbsp; </TD>
    <TD noWrap align=left width="25%"><FONT face=serif size=2>Accelerated
      filer</FONT> <FONT face=Wingdings size=2>&#254;</FONT></TD>
    <TD noWrap align=left width="25%"><FONT face=serif size=2>Non-accelerated
      filer </FONT><FONT face=Wingdings size=2>o</FONT>&nbsp; </TD>
    <TD noWrap align=left width="25%"><FONT face=serif size=2>Smaller
      reporting company </FONT><FONT face=Wingdings size=2>o</FONT>&nbsp;
  </TD></TR></TABLE><BR><FONT face=serif size=2>(Do not check if a smaller
reporting company) </FONT>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>CALCULATION OF REGISTRATION
FEE</FONT></B></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="49%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=1>Proposed Maximum</FONT></B> </TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=1>Amount
      of</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="49%"><B><FONT face=serif size=1>Title of Each Class of</FONT></B>
    </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=1>Amount to be</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=1>Proposed Maximum</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=1>Aggregate</FONT></B> </TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=1>Registration</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="49%"><B><FONT face=serif size=1>Securities to
      be Registered</FONT></B>&nbsp; </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=1>Registered</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=1>Price per
      Unit</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=1>Offering
      Price</FONT></B> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=1>Fee</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%"><FONT face=serif size=2>Fixed Rate Cumulative Perpetual
      Preferred</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="15%">&nbsp;</TD>
    <TD noWrap align=left width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>Stock, Series A, $.01 par value per share</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>35,000
      shares</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$1,000</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$35,000,000</FONT>
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>$1,376 (1)</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%"><FONT face=serif size=2>Warrant to Purchase Common Stock, $.01
      par</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD noWrap align=center width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>value per share</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>N/A</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>N/A</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>N/A</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>N/A</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%"><FONT face=serif size=2>Common Stock, $.01 par value per
      share,</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>324,074</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD noWrap align=center width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>issuable upon exercise of Warrant</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>shares (2)</FONT>
    </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$16.20</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$5,250,000</FONT>
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>$206 (3)</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%"><FONT face=serif size=2>Common Stock, $.01 par value per
      share,</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD noWrap align=center width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>issuable upon
      exchange of preferred</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD noWrap align=center width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>securities of EFSC
      Capital Trust VIII, a</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>2,245,984</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD noWrap align=center width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="49%">&nbsp; &nbsp; &nbsp;<FONT face=serif size=2>Delaware Statutory Trust</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>shares (4)</FONT>
    </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$17.37</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$39,012,730</FONT>
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>$1,533 (5)</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="49%"><B><FONT face=serif size=2>TOTAL:</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>$79,262,730</FONT> </TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>$3,115</FONT>
    </TD></TR></TABLE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Calculated in
      accordance with Rule 457(a).</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"></TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Includes such
      additional number of shares of common stock, of a currently indeterminable
      amount, as may from time to time become issuable by reason of stock
      splits, stock dividends and certain anti-dilution provisions set forth in
      such warrant, which shares of common stock are registered hereunder
      pursuant to Rule 416.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Calculated in
      accordance with Rule 457(i) with respect to the per share exercise price
      of the warrant of $16.20.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>In addition to the
      Fixed Rate Cumulative Perpetual Preferred, Series A, the warrant and the
      common stock issuable upon the exercise of such warrant, there are being
      registered hereunder shares of common stock issuable upon the exchange of
      certain trust preferred securities of EFSC Capital Trust VIII, a Delaware
      statutory trust and consolidated subsidiary of the Company, which includes
      1,439,264 shares of common stock issuable upon conversion of the original
      principal amount of the trust preferred securities and up to 806,720
      shares of common stock which would be issuable only if the Company causes
      the statutory trust to defer <FONT face=serif size=2>interest payments for
      up to five years and the holders of the trust preferred securities elect
      to convert such unpaid interest into additional shares of common stock.
      </FONT></FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap>&nbsp;</TD>
    <TD vAlign=top noWrap>&nbsp;</TD>
    <TD vAlign=top width="100%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%">
      <P align=left><FONT face=serif size=2>Calculated in accordance with Rule
      457(a) and includes such additional number of shares of common stock, of a
      currently indeterminable amount, as may from time to time become issuable
      by reason of stock splits, stock dividends or similar transactions, which
      shares of common stock are registered hereunder pursuant to Rule
      416.</FONT></P></TD></TR></TABLE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>The
Registrant hereby amends this Registration Statement on such date or dates as
may be necessary to delay its effective date until the Registrant shall file a
further amendment which specifically states that this Registration Statement
shall thereafter become effective in accordance with Section 8(a) of the
Securities Act of 1933 or until this Registration Statement shall become
effective on such date as the Commission, acting pursuant to said Section 8(a),
may determine.</FONT></B><FONT face=serif size=2> </FONT></P>
<P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD width="2%">&nbsp;<IMG src="imgx1x1.jpg" border=0></TD>
    <TD width="2%">&nbsp;&nbsp;</TD>
    <TD width="95%"><STRONG><FONT size=2>PROSPECTUS</FONT></STRONG>
      <P align=center><FONT face=serif><STRONG>ENTERPRISE FINANCIAL SERVICES
      CORP<BR>COMMON STOCK <BR></STRONG></FONT><FONT face=serif><STRONG>FIXED
      RATE CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A<BR>WARRANT TO PURCHASE
      324,074 SHARES OF COMMON STOCK </STRONG></FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>This
      prospectus relates to resales of up to 2,570,058 shares (the &#147;Common
      Stock&#148;) of our common stock, $.01 par value, up to 35,000 shares of Fixed
      Rate Cumulative Perpetual Preferred Stock, Series A, $.01 par value, (the
      &#147;Series A Preferred Stock&#148;) and a warrant to purchase our common stock
      originally issued to the United States Department of Treasury (the
      &#147;Treasury Warrant&#148;). As used in this prospectus, the term &#147;Securities&#148;
      shall mean the Common Stock, the Series A Preferred Stock and the Treasury
      Warrant. The Securities may be resold from time to time by and for the
      accounts of certain selling securityholders named in this
      prospectus.</FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
      possible methods of resale of the Securities offered hereby are described
      under the heading &#147;Plan of Distribution.&#148; We will receive no proceeds from
      any such resales. We will receive proceeds if any selling securityholders
      exercise the Treasury Warrant and the exercise price is paid in cash.
      However, the Treasury Warrant may also be exercised by a net exercise, in
      which the Company withholds a number of shares of Common Stock equal in
      value to the exercise price of the Treasury Warrant, based on the market
      price of the Common Stock on the trading day on which the Treasury Warrant
      is exercised.</FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Our
      Common Stock is traded on the NASDAQ Global Select Market (&#147;NASDAQ&#148;) under
      the trading symbol &#147;EFSC.&#148; The last reported sale price of the Common
      Stock on January 12, 2009 was $12.07 per share. Neither the Series A
      Preferred Stock nor the Treasury Warrant are listed on an
      exchange.</FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
      shares of Series A Preferred Stock are not convertible and may not be
      redeemed prior to February 15, 2012, except with the proceeds from certain
      qualified equity offerings which result in aggregate gross proceeds to us
      of not less than $8,750,000. After February 15, 2012, the shares of Series
      A Preferred Stock may be redeemed, in whole or in part, at any time and
      from time to time, at the option of the Company. Additionally, the Series
      A Preferred Stock is non-voting except in certain circumstances. The
      Treasury Warrant entitles the holder to purchase 324,074 shares of our
      Common Stock (subject to adjustment) at an initial exercise price of
      $16.20 per share (subject to adjustment). Unless exercised, the Treasury
      Warrant will automatically expire on December 19, 2018.</FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We are
      registering the Securities for resale by the selling securityholders named
      in this prospectus or their pledgees, donees, assigns, transferees or
      other successors in interest. The Securities are being registered to
      permit the selling securityholders to sell securities from time to time in
      the public market or otherwise, in amounts, at prices and on terms
      determined at the time of offering. The selling securityholders may sell
      the Securities through ordinary brokerage transactions or through any
      other means described in the section entitled &#147;Plan of
      Distribution.&#148;</FONT></P>
      <P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><STRONG>Investing in our
      securities involves a high degree of risk. See &#147;Risk Factors&#148; beginning on
      page 2.</STRONG></FONT></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>Neither the Securities and Exchange Commission nor any state
      securities commission has approved or disapproved of these securities or
      passed upon the adequacy or accuracy of this prospectus. Any
      representation to the contrary is a criminal offense.</FONT></B></P>
      <P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>These securities are not savings accounts, deposits or other
      obligations of any bank and are not insured or guaranteed by the Federal
      Deposit Insurance Corporation or any other governmental
      agency.</FONT></B></P>
      <P align=center><FONT face=serif size=2>The date of this prospectus is
      January 16, 2009.</FONT></P></TD></TR></TABLE>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>TABLE OF CONTENTS</FONT></B></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="98%">&nbsp; </TD>
    <TD noWrap align=right width="1%"><B><FONT face=serif size=1>Page</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>ABOUT THIS PROSPECTUS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>FORWARD-LOOKING STATEMENTS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>SUMMARY</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>RISK FACTORS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>USE OF PROCEEDS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>RATIOS OF EARNINGS TO FIXED CHARGES AND PREFERRED
      DIVIDENDS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>DESCRIPTION OF SERIES A PREFERRED STOCK</FONT>&nbsp;
    </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>3</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>DESCRIPTION OF WARRANT TO PURCHASE COMMON STOCK</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>7</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>DESCRIPTION OF COMMON STOCK</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>8</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>SELLING SECURITYHOLDERS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>9</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>PLAN OF DISTRIBUTION</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>11</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>LEGAL MATTERS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>12</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face=serif color=#000000 size=2>EXPERTS</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>12</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face=serif color=#000000 size=2>WHERE YOU CAN FIND MORE INFORMATION</FONT>&nbsp; </TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>13</FONT>
  </TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>ABOUT THIS PROSPECTUS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>This
prospectus is part of a registration statement we filed with the Securities and
Exchange Commission, or the SEC, using a &#147;shelf&#148; registration process. Under
this shelf registration process, the selling securityholders may, from time to
time, offer and sell, in one or more offerings, the securities described in this
prospectus.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We may also
from time to time provide one or more prospectus supplements containing specific
information about the terms of a particular offering by the selling
securityholders. A prospectus supplement may add, update or change information
in this prospectus. If the information in this prospectus is inconsistent with a
prospectus supplement, you should rely on the information in that prospectus
supplement. You should read both this prospectus and, if applicable, any
prospectus supplement. See &#147;Where You Can Find More Information&#148; for more
information.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Enterprise
Financial Services Corp, is a financial holding company incorporated in the
State of Delaware and headquartered in Clayton, Missouri. In this prospectus,
the &#147;Company,&#148; &#147;we,&#148; &#147;our,&#148; &#147;ours,&#148; and &#147;us&#148; refer to Enterprise Financial
Services Corp and its subsidiaries on a consolidated basis, unless the context
otherwise requires. References to &#147;Enterprise Bank&#148; mean Enterprise Bank &amp;
Trust, a Missouri trust company with banking powers which is our principal
subsidiary.</FONT></P>
<P align=center><B><FONT face=serif size=2>FORWARD-LOOKING
STATEMENTS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>This
prospectus and the documents incorporated by reference contain statements that
are considered &#147;forward-looking statements&#148; within the meaning of United States
securities laws. Forward-looking statements typically are identified with use of
terms such as &#147;may,&#148; &#147;will,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;potential,&#148;
&#147;could&#148;: and similar words, although some forward-looking statements are
expressed differently. You should be aware that the Company&#146;s actual results
could differ materially from those contained in the forward-looking statements
due to a number of factors, including: burdens imposed by federal and state
regulation, changes in accounting regulation or standards of banks; credit risk;
exposure to general and local economic conditions; risks associated with rapid
increase or decrease in prevailing interest rates; consolidation within the
banking industry; competition from banks and other financial institutions; our
ability to attract and retain relationship officers and other key personnel and
technological developments; and other risks discussed in more detail in &#147;Risk
Factors&#148;, below, all of which could cause the Company&#146;s actual results to differ
from those set forth in the forward-looking statements.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Readers are
cautioned not to place undue reliance on our forward-looking statements, which
reflect management&#146;s analysis and expectations only as of the date of the
statements. Forward-looking statements speak only as of the date they are made
and the Company does not intend to publicly revise or update forward-looking
statements to reflect events or circumstances that arise after the date of this
prospectus. Any investor in the Company should consider all risks and
uncertainties disclosed in our SEC filings described below under the heading
&#147;Where You Can Find More Information,&#148; all of which are accessible on the SEC&#146;s
website at http://www.sec.gov. </FONT></P>
<P align=center><B><FONT face=serif size=2>SUMMARY </FONT></B><FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>The
following summary may not contain all of the information that may be important
to you or that you should consider before deciding to purchase the Securities,
and is qualified in its entirety by the more detailed information appearing
elsewhere or incorporated by reference in this prospectus. You should read the
entire prospectus, especially the risks set forth under the heading &#147;Risk
Factors&#148; in this prospectus, as well as the financial and other information
incorporated by reference in this prospectus, before making an investment
decision. </FONT></I><FONT face=serif></FONT></P>
<P align=left><B><FONT face=serif size=2>Enterprise Financial Services Corp
</FONT></B><FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We are a
financial holding company incorporated under the laws of the State of Delaware
and serve as the holding company for Enterprise Bank &amp; Trust, a Missouri
trust company with banking powers. We also own Millennium Brokerage Group, LLC,
which operates life insurance advisory and brokerage operations from fourteen
offices serving life insurance agents, banks, CPA firms, property and casualty
insurance groups, and financial advisors in 49 states. Enterprise Bank conducts
its banking operations in four banking locations in the St. Louis metropolitan
area and seven banking locations in the Kansas City metropolitan area. In
addition, Enterprise Bank has a loan production office located in Phoenix,
Arizona. Enterprise Bank is subject to supervision and regulation by the
Missouri Division of Finance. Our principal executive offices are located at 150
N. Meramec, Clayton, Missouri 63105 and our telephone number is (314) 725-5500.
Our website is http://www.enterprisebank.com.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>1</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><B><FONT face=serif size=2>The Resales </FONT></B><FONT face=serif></FONT></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><FONT face=serif size=2>Securities Offered by Selling</FONT>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD vAlign=top noWrap align=left width="79%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Securityholders:</FONT>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="79%"><FONT face=serif size=2>Up to
      2,570,058 shares of Common Stock.</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="79%"><FONT face=serif size=2>Up to
      35,000 shares of Series A Preferred Stock, liquidation
      value</FONT>&nbsp;<FONT size=2>$1,000 per share.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="79%"><FONT face=serif size=2>The
      Treasury Warrant to purchase 324,074 shares of Common Stock.<FONT size=3>&nbsp;</FONT></FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><FONT face=serif size=2>Listing:</FONT>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="79%"><FONT face=serif size=2>Our
      Common Stock is listed on the NASDAQ under the symbol</FONT>&nbsp;<FONT size=2>&#147;EFSC.&#148;</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"><FONT face=serif size=2>Our Series A
      Preferred Stock and the Treasury Warrant are not listed
      on</FONT>&nbsp;<FONT size=2>any national securities exchange and, prior to
      resale by use of this prospectus, there has been no public market for
      either the Series A Preferred Stock or the Treasury Warrant.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><FONT face=serif size=2>Use
      of Proceeds:</FONT>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"><FONT face=serif size=2>We will not
      receive any proceeds from the resale of the Securities by
      the</FONT>&nbsp;<FONT size=2>selling securityholders. However, we will
      receive proceeds of up to $5,250,000 if a holder of the Treasury Warrant
      exercises the Treasury Warrant in full and pays the exercise price in
      cash. Such proceeds, if any, will be used for general corporate
      purposes.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><FONT face=serif size=2>Risk
      Factors:</FONT>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"><FONT face=serif size=2>For a
      discussion of risks and uncertainties involved with an
      investment</FONT>&nbsp;<FONT size=2>in our securities, see &#147;Risk Factors&#148;
      beginning on page 2 of this prospectus.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="79%"><FONT face=serif size=2></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD align=left width="79%"><FONT face=serif size=2></FONT></TD></TR></TABLE></DIV><BR>
<P align=center><B><FONT face=serif size=2>RISK FACTORS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Before
purchasing any of our securities, you should carefully consider the risks
described in the section &#147;Risk Factors&#148; contained in our Annual Report on Form
10-K for the year ended December 31, 2007, as updated by our subsequent
Quarterly Reports on Form 10-Q for our 2008 fiscal year, each of which has been
filed with the SEC and incorporated herein by reference, and the other
information contained in this prospectus, an applicable prospectus supplement,
or otherwise incorporated by reference herein. Any of these risks could
materially adversely affect our business, financial condition, results of
operations, or ability to make distributions to our stockholders. Additional
risks and uncertainties not currently known to us or that we currently deem to
be immaterial may also materially and adversely affect us. In any such case, you
could lose all or a portion of your original investment. </FONT></P>
<P align=center><B><FONT face=serif size=2>USE OF PROCEEDS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We will not
receive any proceeds from any sale of the securities by the selling
securityholders. However, we will receive proceeds of up to $5,250,000 if a
holder of the Treasury Warrant exercises the Treasury Warrant in full and pays
the exercise price in cash. Any such proceeds will be used for general corporate
purposes. </FONT></P>
<P align=center><B><FONT face=serif size=2>RATIOS OF EARNINGS TO FIXED CHARGES
AND PREFERRED DIVIDENDS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>No shares of
our Series A Preferred Stock, or any other class of preferred stock, were
outstanding during the years ended December 31, 2007, 2006, 2005, 2004 and 2003,
or during the nine months ended September 30, 2008, and we did not pay preferred
stock dividends during these periods. Consequently, the ratios of earnings to
fixed charges and preferred dividends are the same as the ratios of earnings to
fixed charges for the same periods listed above. The ratios of earnings to fixed
charges for the nine months ended September 30, 2008 and the years ended
December 31, 2007, 2006, 2005, 2004 and 2003 are as follows:</FONT></P>
<P align=left><I><FONT face=serif size=2>Consolidated Ratios of Earnings to
Fixed Charges</FONT></I></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="60%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="9%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>Nine months
      ended</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="29%" colSpan=9><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>Years ended
      December 31,</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="60%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="9%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>September 30,
      2008</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=1><FONT size=3></FONT>2007</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>2006</FONT>
    </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>2005</FONT>
    </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>2004</FONT>
    </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=1><FONT size=3>&nbsp;</FONT>2003</FONT>
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="60%" bgColor=#c0c0c0><FONT face=serif size=2>Excluding interest on deposits</FONT>&nbsp; </TD>
    <TD noWrap align=center width="9%" bgColor=#c0c0c0><FONT face=serif size=2>2.50x</FONT> </TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>4.09x</FONT> </TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>5.48x</FONT> </TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>6.74x</FONT> </TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>6.67x</FONT> </TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>5.67x</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="60%"><FONT face=serif size=2>Including
      interest on deposits</FONT>&nbsp; </TD>
    <TD noWrap align=center width="9%"><FONT face=serif size=2>1.33x</FONT>
</TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>1.43x</FONT>
</TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>1.55x</FONT>
</TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>1.75x</FONT>
</TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>2.01x</FONT>
</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>2.04x</FONT>
  </TD></TR></TABLE><BR>
<P align=left><FONT face=serif size=2>Note: The ratio of earnings to fixed
charges is calculated by adding income before income taxes plus fixed charges
and dividing that sum by fixed charges.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>2</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>DESCRIPTION OF SERIES A PREFERRED
STOCK</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following is a brief description of the terms of the Series A Preferred Stock.
This summary does not purport to be complete in all respects. This description
is subject to and qualified in its entirety by reference to our certificate of
incorporation, as amended, including the certificate of designations with
respect to the Series A Preferred Stock, copies of which have been filed with
the SEC and are also available upon request from us.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>General</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under our
certificate of incorporation, as amended, we have authority to issue up to 5.0
million shares of Preferred Stock, par value $.01 per share. Of such number of
shares of Preferred Stock authorized, 35,000 shares have been designated as
Series A Preferred Stock. All of the Series A Preferred Stock was issued to the
United States Department of the Treasury in a transaction exempt from the
registration requirements of the Securities Act of 1933, as amended (the
&#147;Securities Act&#148;). No other shares of preferred stock are issued and outstanding
as of the date hereof.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Dividends Payable On Shares of
Series A Preferred Stock</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Holders of
shares of Series A Preferred Stock are entitled to receive if, as and when
declared by our board of directors, out of assets legally available for payment,
cumulative cash dividends at a rate per annum of 5% per share on a liquidation
preference of $1,000 per share of Series A Preferred Stock with respect to each
dividend period from December 19, 2008 to, but excluding, February 15, 2014.
From and after February 15, 2014, holders of shares of Series A Preferred Stock
are entitled to receive cumulative cash dividends at a rate per annum of 9% per
share on a liquidation preference of $1,000 per share of Series A Preferred
Stock.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Dividends
are payable quarterly in arrears commencing February 15, 2009 and on each May
15, August 15, November 15 and February 15 thereafter. If any dividend payment
date is not a business day, then the next business day will be the applicable
dividend payment date, and no additional dividends will accrue as a result of
the applicable postponement of the dividend payment date. Dividends payable
during any dividend period are computed on the basis of a 360-day year
consisting of twelve 30-day months. Dividends payable with respect to the Series
A Preferred Stock are payable to holders of record of shares of Series A
Preferred Stock on the date that is 15 calendar days immediately preceding the
applicable dividend payment date or such other record date as the board of
directors or any duly authorized committee of the board determines, so long as
such record date is not more than 60 nor less than 10 days prior to the
applicable dividend payment date.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If we
determine not to pay any dividend or a full dividend with respect to the Series
A Preferred Stock, we are required to provide written notice to the holders of
shares of Series A Preferred Stock prior to the applicable dividend payment
date.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We are
subject to various regulatory policies and requirements relating to the payment
of dividends, including requirements to maintain adequate capital above
regulatory minimums. The Board of Governors of the Federal Reserve System, or
the Federal Reserve Board, is authorized to determine, under certain
circumstances relating to the financial condition of a financial holding
company, such as us, that the payment of dividends would be an unsafe or unsound
practice and to prohibit payment thereof. In addition, we are subject to
Delaware state laws relating to the payment of dividends.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>3</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We depend on
dividends, distributions and other payments from our banking subsidiary,
Enterprise Bank, to fund dividend payments on our common and preferred stock.
Missouri state banking laws and regulations limit the amount of dividends or
other capital distributions that Enterprise Bank, may pay.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In addition,
Enterprise Bank is also subject to regulation and supervision by the Federal
Deposit Insurance Corporation, or FDIC. The FDIC has the authority, after notice
and a hearing, to prevent a depository institution under its jurisdiction from
engaging in an unsafe or unsound practice. Depending on the financial condition
of the depository institution, the payment of dividends could constitute an
unsafe or unsound practice. Under the Federal Deposit Insurance Corporation
Improvement Act of 1991, a depository institution may not pay any dividend if
payment would cause it to become undercapitalized or if it already is
undercapitalized. The federal agencies have also issued policy statements that
provide that bank holding companies and insured banks should generally only pay
dividends out of current operating earnings.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Priority of
Dividends</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Series A
Preferred Stock will rank senior to our Common Stock and all other equity
securities designated as ranking junior to the Series A Preferred Stock; and at
least equally with all other equity securities designated as ranking on a parity
with the Series A Preferred Stock, or parity stock, with respect to the payment
of dividends and distribution of assets upon any liquidation, dissolution or
winding-up of the Company. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>So long as
any shares of Series A Preferred Stock remain outstanding, unless all accrued
and unpaid dividends for all prior dividend periods have been paid or are
contemporaneously declared and paid in full, no dividend whatsoever shall be
paid or declared on our Common Stock or other junior stock, other than a
dividend payable solely in Common Stock. We and our subsidiaries also may not
purchase, redeem or otherwise acquire for consideration any shares of our Common
Stock or other junior stock unless we have paid in full all accrued dividends on
the Series A Preferred Stock for all prior dividend periods, other than the
following permitted transactions:</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>purchases, redemptions or other acquisitions of
  our Common Stock or other junior stock in connection with</FONT> <FONT face=serif size=2>the administration of our employee benefit plans in the
  ordinary course of business pursuant to a publicly</FONT> <FONT face=serif size=2>announced repurchase plan up to the increase in diluted shares
  outstanding resulting from the grant, vesting</FONT> <FONT face=serif size=2>or exercise of equity-based compensation;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>purchases or other acquisitions by broker-dealer
  subsidiaries of the Company, if any, solely for the purpose</FONT> <FONT face=serif size=2>of market-making, stabilization or customer facilitation
  transactions in junior stock or parity stock in the</FONT> <FONT face=serif size=2>ordinary course of its business;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>purchases or other acquisitions by broker-dealer
  subsidiaries of the Company for resale pursuant to an</FONT> <FONT face=serif size=2>offering by the Company of our stock that is underwritten by the
  related broker-dealer subsidiary;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>any dividends or distributions of rights or junior
  stock in connection with any shareholders&#146; rights plan or</FONT> <FONT face=serif size=2>repurchases of rights pursuant to any shareholders&#146; rights
  plan;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>acquisition of record ownership of junior stock or
  parity stock for the beneficial ownership of any other</FONT> <FONT face=serif size=2>person who is not the Company or a subsidiary of the Company, including
  as trustee or custodian; and<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>the exchange or conversion of junior stock for or
  into other junior stock or of parity stock for or into other</FONT> <FONT face=serif size=2>parity stock or junior stock but only to the extent that
  such acquisition is required pursuant to binding</FONT> <FONT face=serif size=2>contractual agreements entered into before December 19, 2008 or any
  subsequent agreement for the</FONT> <FONT face=serif size=2>accelerated
  exercise, settlement or exchange thereof for Common Stock.</FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>On any
dividend payment date for which full dividends are not paid on the Series A
Preferred Stock and any other parity stock, or such dividends declared and funds
set aside therefor, all dividends paid or declared for payment on that dividend
payment date (or, with respect to parity stock with a different dividend payment
date, on the applicable dividend date therefor falling within the dividend
period and related to the dividend payment date for the Series A Preferred
Stock), with respect to the Series A Preferred Stock and any other parity stock
shall be declared ratably among the holders of any such shares who have the
right to receive dividends, in proportion to the respective amounts of the
undeclared and unpaid dividends relating to the dividend period.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>4</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Subject to
the foregoing, such dividends (payable in cash, stock or otherwise) as may be
determined by our board of directors (or a duly authorized committee of the
board) may be declared and paid on our Common Stock and any other stock ranking
equally with or junior to the Series A Preferred Stock from time to time out of
any funds legally available for such payment, and the Series A Preferred Stock
shall not be entitled to participate in any such dividend.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Redemption</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Series A
Preferred Stock may not be redeemed prior to February 15, 2012 unless we have
received aggregate gross proceeds from one or more qualified equity offerings
(as described below) equal to $8,750,000, which equals 25% of the aggregate
liquidation amount of the Series A Preferred Stock on the date of issuance. In
such a case, we may redeem the Series A Preferred Stock, subject to the approval
of the Federal Reserve Board in whole or in part, upon notice as described
below, up to a maximum amount equal to the aggregate net cash proceeds received
by us from such qualified equity offerings. A &#147;qualified equity offering&#148; is a
sale and issuance for cash by us, to persons other than the Company or its
subsidiaries after December 19, 2008, of shares of perpetual preferred stock,
Common Stock or a combination thereof, that in each case qualify as tier 1
capital of the Company at the time of issuance under the applicable risk-based
capital guidelines of the Federal Reserve Board. Qualified equity offerings do
not include issuances made in connection with acquisitions, issuances of trust
preferred securities and issuances of Common Stock and/or perpetual preferred
stock made pursuant to agreements or arrangements entered into, or pursuant to
financing plans that were publicly announced, on or prior to October 13,
2008</FONT><B><FONT face=serif size=2>.</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>After
February 15, 2012, the Series A Preferred Stock may be redeemed at any time,
subject to the approval of the Federal Reserve Board, in whole or in part,
subject to notice as described below.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In any
redemption, the redemption price per share of Series A Preferred Stock will be
equal to the sum of the per share liquidation amount plus accrued and unpaid
dividends to but excluding the date of redemption.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Series A
Preferred Stock will not be subject to any mandatory redemption, sinking fund or
similar provisions. Holders of shares of Series A Preferred Stock have no right
to require the redemption or repurchase of the Series A Preferred Stock. Our
board of directors, or a duly authorized committee of the board of directors,
have full power and authority to prescribe the terms and conditions upon which
the Series A Preferred Stock will be redeemed from time to time, subject to the
provisions of the amended and restated certificate of designations.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If fewer
than all of the outstanding shares of Series A Preferred Stock are to be
redeemed, the shares to be redeemed will be selected either </FONT><I><FONT face=serif size=2>pro rata </FONT></I><FONT face=serif size=2>from the holders
of record of shares of Series A Preferred Stock in proportion to the number of
shares held by those holders or in such other manner as our board of directors,
or a committee of the board of directors, may determine to be fair and
equitable.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Notice of
redemption will be given to the respective holders of record of the Series A
Preferred Stock to be redeemed at their respective addresses as they appear on
the books of the Company. Any notice shall be presumed to have been duly given,
whether or not the holder receives such notice, but failure duly to give such
notice by mail, or any defect in such notice or in the mailing thereof, to any
holder shall not affect the validity of the proceedings for the redemption.
</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Liquidation
Rights</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In the event
that we voluntarily or involuntarily liquidate, dissolve or wind up our affairs,
holders of Series A Preferred Stock will be entitled to receive an amount per
share, referred to as the total liquidation amount, equal to the fixed
liquidation preference of $1,000 per share, plus any accrued and unpaid
dividends, whether or not declared, to the date of payment. Holders of the
Series A Preferred Stock will be entitled to receive the total liquidation
amount out of our assets that are available for distribution to shareholders,
after payment or provision for payment of our debts and other liabilities but
before any distribution of assets is made to holders of our Common Stock or any
other shares ranking, as to that distribution, junior to the Series A Preferred
Stock.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>5</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If our
assets are not sufficient to pay the total liquidation amount in full to all
holders of Series A Preferred Stock and all holders of any shares of outstanding
parity stock, the amounts paid to the holders of Series A Preferred Stock and
other shares of parity stock will be paid </FONT><I><FONT face=serif size=2>pro
rata </FONT></I><FONT face=serif size=2>in accordance with the respective total
liquidation amount for those holders. If the total liquidation amount per share
of Series A Preferred Stock has been paid in full to all holders of Series A
Preferred Stock and other shares of parity stock, the holders of our Common
Stock or any other shares ranking, as to such distribution, junior to the Series
A Preferred Stock will be entitled to receive all of our remaining assets
according to their respective rights and preferences.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>For purposes
of the liquidation rights, neither the sale, conveyance, exchange or transfer of
all or substantially all of our property and assets, nor the consolidation or
merger by us with or into any other corporation or by another corporation with
or into us, will constitute a liquidation, dissolution or winding-up of our
affairs.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Voting Rights</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Except as
indicated below or except as otherwise from time to time required by applicable
law, the holders of Series A Preferred Stock will have no voting
rights.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>On any
matter on which the Series A Preferred Stock are entitled to vote (as expressly
provided in the Certificate of Designations with respect to the Series A
Preferred Stock or as may be required by law), including any action by written
consent, each share of Series A Preferred Stock shall be entitled to one
vote.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Whenever, at
any time or times, dividends payable on the shares of Series A Preferred Stock
have not been paid for an aggregate of six quarterly periods or more, whether or
not consecutive, the authorized number of directors of the Company shall
automatically be increased by two and the holders of the Series A Preferred
Stock shall have the right, with holders of shares of any stock ranking on a
parity with the Series A Preferred Stock, voting together as a class, to elect
two directors to fill such newly created directorships at the Company&#146;s next
annual meeting of stockholders (or at a special meeting called for that purpose
prior to such next annual meeting) and at each subsequent annual meeting of
stockholders until all accrued and unpaid dividends for all past dividend
periods, have been declared and paid in full at which time such right shall
terminate.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>So long as
any Series A Preferred Stock remains outstanding, the Company will not, without
the affirmative vote or consent of the holders of at least 66 2/3% of the shares
of Series A Preferred Stock at the time outstanding (voting separately as a
class), (i) authorize or create, or increase the authorized or issued amount of,
any class or series of capital stock ranking senior to the Series A Preferred
Stock with respect to the payment of dividends or the distribution of assets
upon liquidation, dissolution or winding up of our affairs, (ii) amend, alter or
repeal the provisions of the charter (including the Certificate of Designation
of the Series A Preferred Stock), so as to adversely affect the rights,
preferences, privileges or voting powers of the Series A Preferred Stock; or
(iii) enter into a binding share exchange or reclassification involving the
Series A Preferred Stock, or of a merger or consolidation of the Company with
another corporation or other entity, unless in each case (x) the shares of
Series A Preferred Stock remain outstanding or, in the case of any such merger
or consolidation with respect to which the Company is not the surviving or
resulting entity, are converted into or exchanged for preference securities of
the surviving or resulting entity or its ultimate parent, and (y) such shares
remaining outstanding or such preference securities, as the case may be, have
such rights, preferences, privileges and voting powers, and limitations and
restrictions thereof, taken as a whole, as are not materially less favorable to
the holders thereof than the rights, preferences, privileges and voting powers,
and limitations and restrictions thereof.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
foregoing voting provisions will not apply if, at or prior to the time when the
vote or consent would otherwise be required, all outstanding shares of Series A
Preferred Stock have been redeemed or called for redemption upon proper notice
and sufficient funds have been set aside by us for the benefit of the holders of
Series A Preferred Stock to effect the redemption.</FONT></P>
<P align=center><FONT face=serif size=2>6 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>DESCRIPTION OF WARRANT TO PURCHASE
COMMON STOCK</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following is a brief description of the terms of the Treasury Warrant. This
summary does not purport to be complete in all respects. This description is
subject to and qualified in its entirety by reference to the Treasury Warrant, a
copy of which has been filed with the SEC and is also available upon request
from us.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Shares of Common Stock Subject to
the Warrant</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Treasury
Warrant is initially exercisable for 324,074 shares of our Common Stock. If we
complete one or more qualified equity offerings on or prior to December 31, 2009
that result in our receipt of aggregate gross proceeds of not less than $35.0
million, which is equal to the aggregate liquidation preference of the Series A
Preferred Stock, the number of shares of Common Stock underlying the Treasury
Warrant then held by the selling securityholders will be reduced by one half to
162,037 shares. The number of shares subject to the Treasury Warrant are subject
to the further adjustments described below under the heading &#147;&#151;Adjustments to
the Warrant.&#148;</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Exercise of the
Warrant</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The initial
exercise price applicable to the Treasury Warrant is $16.20 per share of Common
Stock. The Treasury Warrant may be exercised at any time on or before its
expiration on December 19, 2018 by surrender of the Treasury Warrant and a
completed notice of exercise attached as an annex to the Treasury Warrant and
the payment of the exercise price for the shares of Common Stock for which the
Treasury Warrant is being exercised. The exercise price may be paid either by
the withholding by the Company of such number of shares of Common Stock issuable
upon exercise of the Treasury Warrant equal to the value of the aggregate
exercise price of the Treasury Warrant determined by reference to the market
price of our Common Stock on the trading day on which the Treasury Warrant is
exercised or, if agreed to by us and the exercising warrantholder, by the
payment of cash equal to the aggregate exercise price. The exercise price
applicable to the Treasury Warrant is subject to the further adjustments
described below under the heading &#147;&#151;Adjustments to the Warrant.&#148;</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We will not
issue fractional shares upon any exercise of the Treasury Warrant. Instead, the
holder of the Treasury Warrant will be entitled to a cash payment equal to the
market price of our Common Stock on the last day preceding the exercise of the
Treasury Warrant (less the pro-rated exercise price of the Treasury Warrant) for
any fractional shares that would have otherwise been issuable upon exercise. We
will at all times reserve the aggregate number of shares of our Common Stock for
which the Treasury Warrant may be exercised. We have listed the shares of Common
Stock issuable upon exercise of the Treasury Warrant with the Nasdaq Global
Select Market.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>No Rights as a
Shareholder</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
warrantholder shall have no rights or privileges of the holders of our Common
Stock, including any voting rights, until (and then only to the extent) the
Treasury Warrant has been exercised. The shares of Common Stock issued upon
exercise of the Treasury Warrant would have the same voting rights as all other
shares of Common Stock.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Transferability</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The warrant
holder may not transfer a portion of the Treasury Warrant with respect to more
than 162,037 shares of Common Stock until the earlier of (i) the date on which
the Company has received aggregate gross proceeds from a qualified equity
offering of at least $35.0 million and (ii) December 31, 2009. The Treasury
Warrant, and all rights under the Treasury Warrant, are otherwise
transferable.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Adjustments to the
Warrant</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>Adjustments in Connection with Stock Splits, Subdivisions,
Reclassifications and Combinations</FONT></I><FONT face=serif size=2>. The
number of shares for which the Treasury Warrant may be exercised and the
exercise price applicable to the Treasury Warrant will be proportionately
adjusted in the event we pay dividends or make distributions of our Common
Stock, subdivide, combine or reclassify outstanding shares of our Common
Stock.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>7</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>Anti-dilution Adjustment</FONT></I><FONT face=serif size=2>. Until the
earlier of December 19, 2011 and the date the United States Treasury no longer
holds the Treasury Warrant (and other than in certain permitted transactions
described below), if we issue any shares of Common Stock (or securities
convertible or exercisable into Common Stock) for less than 90% of the market
price of the Common Stock on the last trading day prior to pricing such shares,
then the number of shares of Common Stock into which the Treasury Warrant is
exercisable and the exercise price will be adjusted. Permitted transactions
include issuances:</FONT></P>
<UL>
  <LI><FONT face=serif size=2>as consideration for or to fund the acquisition of
  businesses and/or related assets;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>in connection with employee benefit plans and
  compensation related arrangements in the ordinary</FONT> <FONT face=serif size=2>course and consistent with past practice approved by our board of
  directors;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>in connection with public or broadly marketed
  offerings and sales of Common Stock or convertible securities for cash
  conducted by us or our affiliates pursuant to registration under the
  Securities Act, or Rule 144A thereunder on a basis consistent with
  capital-raising transactions by comparable financial institutions (but do not
  include other private transactions); and</FONT><FONT face=serif size=2><BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>in connection with the exercise of preemptive
  rights on terms existing as of December 19, 2008</FONT><B><FONT face=serif size=2>.</FONT></B></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>Other
Distributions.</FONT></I> <FONT face=serif size=2>If we declare any dividends or
distributions other than our historical, ordinary cash dividends, the exercise
price of the Treasury Warrant will be adjusted to reflect such
distribution.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>Certain
Repurchases.</FONT></I> <FONT face=serif size=2>If we affect a</FONT> <I><FONT face=serif size=2>pro rata</FONT></I> <FONT face=serif size=2>repurchase of
Common Stock both the number of shares issuable upon exercise of the Treasury
Warrant and the exercise price will be adjusted.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>Business
Combinations</FONT></I><FONT face=serif size=2>. In the event of a merger,
consolidation or similar transaction involving the Company and requiring
shareholder approval, the right of a holder of the Treasury Warrant to receive
shares of our Common Stock upon exercise shall be converted into the right to
exercise the Treasury Warrant for the consideration that would have been payable
to the warrantholder with respect to the shares of Common Stock for which the
Treasury Warrant may be exercised, as if the warrant had been exercised prior to
such merger, consolidation or similar transaction.</FONT></P>
<P align=center><B><FONT face=serif size=2>DESCRIPTION OF COMMON
STOCK</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following is a description of the material terms and provisions of the Common
Stock. It may not contain all the information that is important to you.
Therefore, you should read our certificate of incorporation and by-laws which
have been filed with the SEC.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>General</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under our
certificate of incorporation, as amended, the Company has authority, without
further shareholder action, to provide for the issuance of up to 30,000,000
shares of common stock, of which 12,800,981 were outstanding as of December 31,
2008. The Company may amend its certificate of incorporation from time to time
to increase the number of authorized shares of Common Stock. Any such amendment
would require the approval of the holders of a majority of the Company&#146;s stock
entitled to vote. The Company&#146;s common stock is listed on the NASDAQ under the
symbol &#147;EFSC.&#148;</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Dividends</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Subject to
the preferential rights of any other class or series of stock, including without
limitation the preferential rights of the Series A Preferred Stock, holders of
shares of the Company&#146;s common stock will be entitled to receive dividends, if
and when they are authorized and declared by the Company&#146;s Board of Directors,
out of assets that the Company may legally use to pay dividends. We may not
increase the dividend paid on our common stock above $0.0525 per share per
quarter without the consent of the United States Treasury until the earlier to
occur of (i) December 19, 2012, (ii) the date on which all Series A Preferred
Stock is redeemed in whole, or (iii) the UST has transferred all of the Series A
Preferred Stock to third parties.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Voting Rights</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Except as
otherwise required by law and except as provided by the terms of any other class
or series of stock, holders of Common Stock have the exclusive power to vote on
all matters presented to the Company&#146;s shareholders, including the election of
directors. Holders of Common Stock are entitled to one vote per share, provided
that holders of our Common Stock have the right to cumulate votes in the
election of directors.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>8</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><B><I><FONT face=serif size=2>Preemptive Rights</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Holders of
the Company&#146;s Common Stock do not have preemptive rights under the Delaware
General Corporation Law, or the Company&#146;s certificate of incorporation or
by-laws.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Liquidation/Dissolution
Rights</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In the event
the Company is liquidated, dissolved or the Company&#146;s affairs are wound up, and
subject to the preferential rights of any other class or series of stock,
holders of shares of the Company&#146;s Common Stock are entitled to receive, in cash
or in kind, in proportion to their holdings, the assets that the Company may
legally use to pay distributions after the Company pays or makes adequate
provision for all of the Company&#146;s debts and liabilities.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Transfer Agent</FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The transfer agent and registrar for
the Common Stock is Computershare, Inc., in Canton, Massachusetts.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>Restrictions on
Ownership</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Bank
Holding Company Act requires any &#147;bank holding company,&#148; as defined in the Bank
Holding Company Act, to obtain the approval of the Federal Reserve Board prior
to the acquisition of 5% or more of our Common Stock. Any person, other than a
bank holding company, is required to obtain prior approval of the Federal
Reserve Board to acquire 10% or more of our Common Stock under the Change in
Bank Control Act. Any holder of 25% or more of our Common Stock, or a holder of
5% or more if such holder otherwise exercises a &#147;controlling influence&#148; over us,
is subject to regulation as a bank holding company under the Bank Holding
Company Act.</FONT></P>
<P align=center><B><FONT face=serif size=2>SELLING SECURITYHOLDERS</FONT></B>
<FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
Securities were initially sold in two separate private placements which were
exempt from registration pursuant to Section 4(2) of the Securities Act.</FONT>
<FONT face=serif></FONT></P>
<P align=left><B><I><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Issuance of Convertible Trust Preferred
Securities of EFSC Capital Trust VIII</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>On December
12, 2008, we issued and sold through a newly formed Delaware statutory trust
subsidiary, EFSC Capital Trust VIII (the &#147;Trust&#148;), preferred securities in the
Trust with a liquidation value of $20,000,000 to Ithan Creek Master Investors
(Cayman), L.P., a Cayman Island limited partnership (&#147;Ithan Creek&#148;) and
preferred securities in the Trust with a liquidation value of $5,000,000
(collectively, the &#147;Trust Preferred Securities&#148;) to VRE TRUPS, LLC, a Missouri
limited liability company (&#147;VRE TRUPS&#148;). Contemporaneously, the Trust issued and
sold to us common securities in the Trust with a liquidation value of $744,000
(the &#147;Common Securities&#148;). The Trust used the proceeds generated from the
issuance and sale of the Trust Preferred Securities and the Common Securities to
purchase 9.00% Convertible Junior Subordinated Deferrable Interest Debentures
maturing in 2038 from EFSC in the aggregate principal amount of $25,744,000 (the
&#147;Debentures&#148;). Principal and interest payments made by us on the Debentures will
be used by the Trust to make corresponding distributions to the holders of the
Trust Preferred Securities and the Common Securities. At any time and from time
to time we may defer interest payments on the Debentures for up to five years.
During any such deferral, the Trust has no obligation to make distributions on
the Trust Preferred Securities.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Each holder
of the Trust Preferred Securities may elect, at any time, to exchange all or any
portion of its Trust Preferred Securities for a number of shares of the Common
Stock of the Company equal to the aggregate liquidation amount of Trust
Preferred Securities being exchanged divided by a price equal to $17.37, subject
to adjustment, which represents 110% of the average closing price of our Common
Stock on NASDAQ for the five trading days following the issuance of our third
quarter earnings press release on October 23, 2008.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Initially,
the $25,000,000 in aggregate liquidation amount of the Trust Preferred
Securities may be exchanged for an aggregate of 1,439,263 shares of our Common
Stock. In addition, if we elect to defer interest payments on the Debentures,
the holders thereof will have the right during such deferral to convert all or a
portion of the accrued and unpaid distributions on the Trust Preferred
Securities into additional shares of Common Stock at the conversion price
described above. Because we are permitted to defer distributions on the Trust
Preferred Securities for up to five years, conversion of the accrued and unpaid
distributions could result in the issuance of up to an aggregate additional
806,720 shares of Common Stock. Any issuance of shares of our Common Stock in
exchange for the Trust Preferred Securities will be undertaken without general
solicitation or advertising.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>9</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>VRE TRUPS is
a wholly owned subsidiary of Virtual Realty Enterprises, LLC, a Missouri limited
liability company (&#147;Virtual Realty&#148;), which is managed by Ocala First
Corporation, Inc. (&#147;Ocala&#148;). Henry D. Warshaw, one of our directors, owns a
majority of the stock in Ocala. Mr. Warshaw also holds a 0.7481% interest in
Virtual Realty. In addition each of Kevin Eichner, Birch Mullins, Sandra Van
Trease, and Michael DeCola, all members of our board of directors, are passive
investors in Virtual Realty, collectively holding an aggregate 0.8674% interest
in Virtual Realty.</FONT></P>
<P align=left><B><I><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Issuance of Series A Preferred Stock and
Treasury Warrant</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The second
private placement took place on December 19, 2008, whereby Treasury agreed to
purchase 35,000 shares of the Series A Preferred Stock and the Treasury Warrant
for a purchase price of $35,000,000. The investment was in conjunction with
Treasury&#146;s Troubled Asset Relief Program (&#147;TARP&#148;) Capital Purchase Program,
which is a voluntary program for U.S. financial institutions designed to
encourage these institutions to build capital to increase the flow of financing
to U.S. businesses and consumers and to support the U.S. economy.</FONT> <FONT face=serif></FONT></P>
<P align=left><B><I><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Beneficial Ownership of Selling
Securityholders</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The selling
securityholders may from time to time offer and sell pursuant to this prospectus
any or all of the Securities listed below. When we refer to the &#147;selling
securityholders&#148; in this prospectus, we mean those persons listed in the table
below, as well as the pledgees, donees, assignees, transferees, successors and
others who later hold any of the selling securityholders&#146; interests.</FONT>
<FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The table
below sets forth the name of each selling securityholder, the amount of
Securities that each selling securityholder may offer pursuant to this
prospectus. However, the number of shares of Common Stock into which the trust
preferred securities and Treasury Warrant are initially convertible is subject
to adjustment, including adjustment resulting from certain corporate
transactions. See &#147;Description of Treasury Warrant&#151;Adjustments&#148;.</FONT> <FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The selling
securityholders are not obligated to sell the Securities, therefore we cannot
estimate the amount of the Securities that the selling securityholders will hold
upon consummation of any such sales. For purposes of the following table, we
have assumed the sale of all the Securities.</FONT> <FONT face=serif></FONT></P>
<DIV align=center>
<TABLE style="FONT-SIZE: 10pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="98%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="5%">&nbsp;</TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="4%">&nbsp;</TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>Number of</FONT></B></TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="4%"></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="6%"></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=center width="4%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><B><FONT face=serif size=1>Number of
      Shares</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>Shares of</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="5%" colSpan=2><B><FONT face=serif size=1>Percentage</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="6%"></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Number of
      Shares</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><B><FONT face=serif size=1>of Series
      A</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Number
      of</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><STRONG><FONT size=1>Common
      Stock</FONT></STRONG></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%" colSpan=2><STRONG><FONT size=1>of
      Issued and</FONT></STRONG></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><STRONG><FONT size=1>Number
      of Shares</FONT></STRONG></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><STRONG><FONT size=1>of Common
      Stock</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><B><FONT face=serif size=1>Preferred</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Warrants</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>Beneficially</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="5%" colSpan=2><B><FONT face=serif size=1>Outstanding</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>of
      Common</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Owned
      After</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><B><FONT face=serif size=1>Stock
      Offered</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Offered</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><STRONG><FONT size=1>Owned
      Prior to</FONT></STRONG></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%" colSpan=2>&nbsp;<STRONG><FONT size=1>Common</FONT></STRONG></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>Stock</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><B><FONT face=serif size=1>Completion
      of</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><B><FONT style="BORDER-BOTTOM: black 1pt solid" face=serif size=1>Name of Selling
      Securityholder</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=1>Hereby</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%"><B><FONT face=serif size=1>Hereby</FONT></B></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>the Offering</FONT></B></TD>
    <TD noWrap align=center width="1%"><B><FONT face=serif size=1></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=2><B><FONT face=serif size=1>Stock (4)</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%" colSpan=2><B><FONT face=serif size=1>Offered Hereby</FONT></B></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%"><B><FONT face=serif size=1>Offering (1)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%" bgColor=#c0c0c0><FONT face=serif size=2>Ithan Creek Master</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="5%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="6%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="6%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%" bgColor=#c0c0c0><FONT face=serif size=2>Investors(Cayman) L.P. (2)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="5%" bgColor=#c0c0c0><FONT face=serif size=2>0</FONT>&nbsp;</TD>
    <TD noWrap align=center width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="4%" bgColor=#c0c0c0><FONT face=serif size=2>0</FONT>&nbsp;</TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="6%" bgColor=#c0c0c0><FONT face=serif size=2>1,151,410</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp;(3)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face=serif size=2>8.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>%</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="6%" bgColor=#c0c0c0><FONT face=serif size=2>1,796,787</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp;(3)</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="4%" bgColor=#c0c0c0><FONT face=serif size=2>0</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=16>&nbsp;</TD></TR>
  <TR>
    <TD width="99%" colSpan=16>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><FONT face=serif size=2>VRE TRUPS, LLC
      (5)</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>0</FONT>&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=2>0</FONT>&nbsp;</TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="6%"><FONT face=serif size=2>287,853</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>&nbsp;(3)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="4%"><FONT face=serif size=2>2.2</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>%</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="6%"><FONT face=serif size=2>449,197</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>&nbsp;(3)</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=2>0</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=16>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="5%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=1>1 Warrant
      to</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="5%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=1>Purchase</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><FONT face=serif size=2></FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="5%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=1>324,074
      shares</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><FONT face=serif size=2>United States
      Department</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="5%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=1>of
    Common</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><FONT face=serif size=2>of the
      Treasury</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>35,000</FONT></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=1>Stock</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="6%"><FONT face=serif size=2>324,074</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="4%"><FONT face=serif size=2>2.5</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>%</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="6%"><FONT face=serif size=2>324,074</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=2>0</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=16>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="61%"><FONT face=serif size=2>Total</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%"><FONT face=serif size=2>35,000</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="6%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="4%"><FONT face=serif size=2>14.2</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>%</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="6%"><FONT face=serif size=2>2,570,058</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="4%"><FONT face=serif size=2>0</FONT></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD style="BORDER-TOP: #000000 1pt solid" vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>The selling securityholders are
      not obligated to sell any of the Securities. This table assumes sale of
      all the Securities offered hereby.</FONT></TD></TR></TABLE>
<P align=center><FONT face=serif><FONT face=serif size=2>10</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD width="100%"><FONT face=serif size=2>Wellington Management Company,
      LLP ("Wellington") is an investment adviser registered under the
      Investment Advisers Act of 1940, as amended and serves as the investment
      adviser to Ithan Creek. Wellington, in such capacity, may be deemed to
      share beneficial ownership over the shares held by Ithan
  Creek.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>The amount of common stock listed
      under the column &#147;Number of Shares of Common Stock Beneficially Owned
      Prior to the Offering&#148; assumes that Ithan Creek and VRE TRUPS will own only
      shares of Common Stock issuable upon conversion of the original aggregate
      liquidation amount of the Trust Preferred Securities. This registration
      statement is registering the number of shares of Common Stock that would
      be issuable to Ithan Creek and VRE TRUPS if the Company deferred interest
      payments of the Debentures for the maximum five year deferral period
      permitted and if Ithan Creek and VRE TRUPS each elected to convert the
      entire liquidation amount of the Trust Preferred Securities and the entire
      amount of accrued and unpaid distributions for the five year period into
      Common Stock. This maximum number of shares of Common Stock is listed
      under the column &#147;Number of Shares of Common Stock Offered Hereby.&#148;
      Neither Ithan Creek nor VRE TRUPS may exercise their conversion rights to
      acquire Common Stock to the extent such conversion would cause such
      investor to hold or have voting control over 10% or more of any class of
      our capital stock.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>Calculated pursuant to Rule
      13d-3, such that percentages assume the conversion of Trust Preferred
      Securities or the exercise of the Treasury Warrant, as
    applicable.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>VRE TRUPS is a wholly owned
      subsidiary of Virtual Realty, which is managed by Ocala. Henry D. Warshaw,
      one of our directors, owns a majority of the stock in Ocala. Accordingly,
      each of VRE TRUPS, Virtual Realty and Mr. Warshaw may be deemed to be a
      beneficial owner of shares of Common Stock which may be held by VRE TRUPS
      as a result of any conversion of the Trust Preferred
  Securities.</FONT></TD></TR></TABLE>
<P align=center><B><FONT face=serif size=2>PLAN OF DISTRIBUTION</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The selling
securityholders may sell the securities directly to purchasers or through
underwriters, broker-dealers or agents, who may receive compensation in the form
of discounts, concessions or commissions from the selling securityholders and/or
the purchasers of the securities. These discounts, concessions or commissions as
to any particular underwriter, broker-dealer or agent may be in excess of those
customary in the types of transactions involved.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
securities may be sold in one or more transactions at fixed prices, at
prevailing market prices at the time of sale, at varying prices determined at
the time of sale or at negotiated prices. These sales may be affected in
transactions, which may involve crosses or block transactions:</FONT></P>
<UL>
  <LI><FONT face=serif size=2>on any national securities exchange or quotation
  service on which the preferred stock or the Common</FONT> <FONT face=serif size=2>Stock may be listed or quoted at the time of sale, including, as of the
  date of this prospectus, the Nasdaq</FONT> <FONT face=serif size=2>Global
  Select Market in the case of the Common Stock;<BR>&nbsp; </FONT>
  <LI><FONT face=serif size=2>in the over-the-counter market;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>in transactions otherwise than on these exchanges
  or services or in the over-the-counter market; or<BR>&nbsp; </FONT>
  <LI><FONT face=serif size=2>through the writing of options, whether the
  options are listed on an options exchange or otherwise.</FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In addition,
any securities that qualify for sale pursuant to Rule 144 under the Securities
Act may be sold under Rule 144 rather than pursuant to this
prospectus.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In
connection with the sale of the securities or otherwise, the selling
securityholders may enter into hedging transactions with broker-dealers, which
may in turn engage in short sales of the Common Stock issuable upon exercise of
the Treasury Warrant in the course of hedging the positions they assume. The
selling securityholders may also sell short the Common Stock issuable upon
exercise of the Treasury Warrant and deliver Common Stock to close out short
positions, or loan or pledge the Series A Preferred Stock or the Common Stock
issuable upon exercise of the Treasury Warrant to broker-dealers that in turn
may sell these securities.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>11</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
aggregate proceeds to the selling securityholders from the sale of the
securities will be the purchase price of the securities less discounts and
commissions, if any.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In effecting
sales, broker-dealers or agents engaged by the selling securityholders may
arrange for other broker-dealers to participate. Broker-dealers or agents may
receive commissions, discounts or concessions from the selling securityholders
in amounts to be negotiated immediately prior to the sale.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In offering
the securities covered by this prospectus, the selling securityholders and any
broker-dealers who execute sales for the selling securityholders may be deemed
to be &#147;underwriters&#148; within the meaning of Section 2(a)(11) of the Securities
Act in connection with such sales. Any profits realized by the selling
securityholders and the compensation of any broker-dealer may be deemed to be
underwriting discounts and commissions. Selling securityholders who are
&#147;underwriters&#148; within the meaning of Section 2(a)(11) of the Securities Act will
be subject to the prospectus delivery requirements of the Securities Act and may
be subject to certain statutory and regulatory liabilities, including
liabilities imposed pursuant to Sections 11, 12 and 17 of the Securities Act and
Rule 10b-5 under the Securities Exchange Act of 1934, or the Exchange
Act.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In order to
comply with the securities laws of certain states, if applicable, the securities
must be sold in such jurisdictions only through registered or licensed brokers
or dealers. In addition, in certain states the securities may not be sold unless
they have been registered or qualified for sale in the applicable state or an
exemption from the registration or qualification requirement is available and is
complied with.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
anti-manipulation rules of Regulation M under the Exchange Act may apply to
sales of securities pursuant to this prospectus and to the activities of the
selling securityholders. In addition, we will make copies of this prospectus
available to the selling securityholders for the purpose of satisfying the
prospectus delivery requirements of the Securities Act, which may include
delivery through the facilities of the Nasdaq Global Select Market pursuant to
Rule 153 under the Securities Act.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>At the time
a particular offer of securities is made, if required, a prospectus supplement
will set forth the number and type of securities being offered and the terms of
the offering, including the name of any underwriter, dealer or agent, the
purchase price paid by any underwriter, any discount, commission and other item
constituting compensation, any discount, commission or concession allowed or
reallowed or paid to any dealer, and the proposed selling price to the
public.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Neither the
Series A Preferred Stock nor the Treasury Warrant is listed on an exchange.
Unless requested by the United States Department of the Treasury, we do not
intend to list the Series A Preferred Stock on any exchange. We do not intend to
list the Treasury Warrant on any exchange. No assurance can be given as to the
liquidity of the trading market, if any, for the Series A Preferred
Stock.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We have
agreed to indemnify the selling securityholders against certain liabilities,
including certain liabilities under the Securities Act. We have also agreed,
among other things, to bear substantially all expenses (other than underwriting
discounts and selling commissions) in connection with the registration and sale
of the securities covered by this prospectus.</FONT></P>
<P align=center><B><FONT face=serif size=2>LEGAL MATTERS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The validity
of the Series A Preferred Stock, the Treasury Warrant and the Common Stock
offered hereby will be passed upon for us by Greensfelder, Hemker &amp; Gale,
P.C.</FONT></P>
<P align=center><B><FONT face=serif size=2>EXPERTS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Our
consolidated financial statements as of December 31, 2007 and 2006, and for each
of the years in the three-year period ended December 31, 2007, and the
effectiveness of internal control over financial reporting as of December 31,
2007, have been incorporated by reference, herein, in reliance upon the reports
of KPMG LLP, independent registered public accounting firm, incorporated by
reference herein, and upon the authority of said firm as an expert in accounting
and auditing.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>12</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>WHERE YOU CAN FIND MORE
INFORMATION</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We file
annual, quarterly and current reports, proxy statements and other information
with the SEC. Our SEC filings are available to the public over the Internet at
the SEC&#146;s website at</FONT> <FONT face=serif size=2>http:/www.sec.gov</FONT><FONT face=serif size=2>. Copies of certain
information filed by us with the SEC are also available on our website at</FONT>
<FONT face=serif size=2>http://www.enterprisebank.com</FONT><FONT face=serif size=2>. Our website is not a part of this prospectus. You may also read and
copy any document we file at the SEC&#146;s public reference room, 100 F Street,
N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further
information on the operation of the public reference room.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The SEC
allows us to &#147;incorporate by reference&#148; information we file with it, which means
that we can disclose important information to you by referring you to other
documents. The information incorporated by reference is considered to be a part
of this prospectus, and information that we file later with the SEC will
automatically update and supersede this information. In all cases, you should
rely on the later information over different information included in this
prospectus or incorporated by reference.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We
incorporate by reference the documents listed below and all future filings we
make with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act,
prior to the termination of the offering, except to the extent that any
information contained in such filings is deemed &#147;furnished&#148; in accordance with
SEC rules:</FONT></P>
<UL>
  <LI><FONT face=serif size=2>Our Annual Report on Form 10-K for the year ended
  December 31, 2007, filed on March 14, 2008.<BR>&nbsp; </FONT>
  <LI><FONT face=serif size=2>Our Quarterly Report on Form 10-Q for the quarter
  ended March 31, 2008, filed on May 12, 2008, our</FONT> <FONT face=serif size=2>Quarterly Report on Form 10-Q for the quarter ended June 30, 2008,
  filed on August 11, 2008, and our</FONT> <FONT face=serif size=2>Quarterly
  Report on Form 10-Q for the quarter ended September 30, 2008, filed on
  November 7, 2008.<BR>&nbsp; </FONT>
  <LI><FONT face=serif size=2>Our Current Reports on Form 8-K filed on January
  7, 2008; January 29, 2008; February 6, 2008; February 25, 2008, March 3, 2008,
  April 16, 2008; July 17, 2008; September 30, 2008; October 23, 2008; November
  25, 2008; December 15, 2008, and December 23, 2008 (as amended on December 23,
  2008).</FONT><FONT face=serif size=2><BR>&nbsp; </FONT>
  <LI><FONT face=serif size=2>The description of Registrant&#146;s common stock,
  which is contained in a registration statement filed on</FONT> <FONT face=serif size=2>Form S-1, by Registrant with the Commission on October 24,
  1996, registration number 333-14737,</FONT> <FONT face=serif size=2>including
  all amendments and reports filed for the purpose of updating such
  description.</FONT></LI></UL>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>You may request a copy of these
filings, at no cost, by writing or telephoning us at the following
address:</FONT></P>
<P align=center><FONT face=serif size=2>Frank H. Sanfilippo <BR>Chief Financial
Officer <BR>Enterprise Financial Services Corp <BR>150 North Meramec
<BR>Clayton, Missouri 63105 <BR>(314) 725-5500</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>You should
rely only on the information contained or incorporated by reference in this
prospectus. We have not authorized anyone else to provide you with additional or
different information. We are not making an offer of these securities in any
state where the offer is not permitted by law. You should not assume that the
information in this prospectus or in the documents incorporated by reference is
accurate as of any date other than the date on the front of this prospectus or
those documents.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>13</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Any
statement contained in a document incorporated by reference in this prospectus
shall be deemed to be modified or superseded for purposes of this prospectus to
the extent that a statement contained in this prospectus, or in any other
document filed later that is also incorporated in this prospectus by reference,
modifies or supersedes the statement. Any statement so modified or superseded
shall not be deemed to constitute a part of this prospectus except as so
modified or superseded. The information relating to us contained in this
prospectus should be read together with the information contained in any
prospectus supplement and in the documents incorporated in this prospectus and
any prospectus supplement by reference.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>This
prospectus is part of a registration statement we filed with the SEC which
incorporates exhibits. You should read the exhibits to the registration
statement carefully.</FONT></P>
<P align=center><FONT face=serif><FONT size=2>14</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>PART II</FONT></B></P>
<P align=center><B><FONT face=serif size=2>INFORMATION NOT REQUIRED IN THE
PROSPECTUS</FONT></B></P>
<P align=left><B><FONT face=serif size=2>Item 14.</FONT></B> <B><I><FONT face=serif size=2>Other Expenses of Issuance and Distribution</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following table sets forth the various expenses to be incurred in connection
with the sale and distribution of the Securities, for brokerage, accounting, tax
or legal services or any other expenses incurred by the selling securityholders
in disposing of the shares, all of which will be borne by the Company. The
Company is not responsible for underwriting discounts, selling commissions and
or stock transfer taxes incurred by the selling securityholders. All amounts
shown are estimates except the SEC registration fee.</FONT></P>
<TABLE style="FONT-SIZE: 10pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><FONT face=serif size=2>SEC Registration fee</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>3,115</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%"><FONT face=serif size=2>Legal fees and
      expenses</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT>&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp; 30,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><FONT face=serif size=2>Accounting fees and expenses</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%"><FONT face=serif size=2>Other</FONT>&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT>&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>2,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><B><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Expenses</FONT></B>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>40,115</FONT></TD></TR></TABLE><BR>
<P align=left><B><FONT face=serif size=2>Item 15.</FONT></B> <B><I><FONT face=serif size=2>Indemnification of Directors and Officers.</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Company
is a Delaware corporation. Section 102 of the Delaware General Corporation Law,
(&#147;DGCL&#148;), as amended, allows a corporation to eliminate the personal liability
of directors of a corporation or its stockholders for monetary damages for
breach of fiduciary duty as a director, except where the director breached the
duty of loyalty, failed to act in good faith, engaged in intentional misconduct
or knowingly violated a law, authorized the payment of a dividend or approved a
stock repurchase in violation of the DGCL or obtained an improper personal
benefit.</FONT><FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 145
of the DGCL provides, among other things, that the Company may indemnify any
person who was or is a party or is threatened to be made a party to any
threatened, pending or completed action, suit or proceeding other than an action
by or in the right of the Company, by reason of the fact that the person is or
was a director, officer, agent or employee of the Company, or is or was serving
at the Company&#146;s request as a director, officer, agent or employee of another
corporation, partnership, joint venture, trust or other enterprise, against
expenses, including attorneys&#146; fees, judgments, fines and amounts paid in
settlement actually and reasonably incurred by the person in connection with
such action, suit or proceeding, if such person acting in good faith and in a
manner he or she reasonably believed to be in the best interests, or not opposed
to the best interests, of the Company, and with respect to any criminal action
or proceeding had no reasonable cause to believe his or her conduct was
unlawful. The power to indemnify applies to actions brought by or in the right
of the Company as well, but only to the extent of defense expenses, reasonably
incurred and not to any satisfaction of judgment or settlement of the claim
itself, and with the further limitation that in such actions no indemnification
shall be made in the event of any adjudication of liability to the Company,
unless the court believes that in light of all the circumstances indemnification
should apply. Furthermore, under the DGCL, if such person is successfully on the
merits or otherwise in the defense of any action referred to above, or in the
defense of any claim, issue or matter therein, such person shall be indemnified
against expenses (including attorneys&#146; fees) actually and reasonably incurred by
such person in connection therewith.</FONT><FONT face=serif></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 174
of the DGCL provides, among other things, that a director, who willfully or
negligently approves an unlawful payment of dividends or an unlawful purchase or
redemption of stock, may be held liable for such actions. A director who was
either absent when the unlawful actions were approved or dissented at the time,
may avoid liability by causing his or her dissent to such actions to be entered
in the books containing minutes of the meetings of the board of directors at the
time such action occurred or immediately after such absent director receives
notice of the unlawful acts.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>As permitted
by the DGCL, the Company&#146;s certificate of incorporation includes a provision to
eliminate the personal liability of its directors for monetary damages for
breach of alleged breach of their fiduciary duties as directors, subject to
limited exceptions. The certificate of incorporation also provides that every
person who is or was our director, officer, employee or agent or is or was a
director, officer, trustee, employee or agent of any other enterprise, serving
as such at the Company&#146;s request, shall be indemnified to the fullest extent
permitted by law for all expenses and liabilities in connection with any
proceeding involving such person in this capacity.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>15</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><B><FONT face=serif size=2>Item 16. </FONT></B><B><I><FONT face=serif size=2>Exhibits</FONT></I></B></P>
<P align=center><B><FONT face=serif size=2>EXHIBIT INDEX</FONT></B></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom align=center width="1%"><FONT size=1>Exhibit <FONT face=serif>No.</FONT></FONT>&nbsp;</TD>
    <TD vAlign=bottom width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom align=center width="97%"><FONT size=1>Description</FONT>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>4.1</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Amendment to
      Certificate of Incorporation (filed as Appendix A to Registrant&#146;s Proxy
      Statement on Schedule 14A, effective November 20, 2008)</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>4.2</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Certificate of
      Designations (filed as Exhibit 3.1 to the Registrant&#146;s Current Report on
      Form 8-K filed on December 23, 2008 and incorporated herein by
      reference)</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>4.3</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Form of
      Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A,
      Par Value $.01 per share</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>4.4</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Warrant to
      Purchase Shares of Common Stock, dated December 19, 2008, to purchase
      shares of Common Stock of the Registrant (filed as Exhibit 4.1 to the
      Registrant&#146;s Current Report on Form 8-K filed on December 23, 2008 and
      incorporated herein by reference).</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>5.1</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Opinion of
      Greensfelder, Hemker &amp; Gale, P.C.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>12.1</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Statement of
      ratios of earnings to fixed charges</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>23.1</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Consent of KPMG
      LLP</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>23.2</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Consent of
      Greensfelder, Hemker &amp; Gale, P.C. (included in Exhibit
  5.1)</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="97%"></TD></TR>
  <TR>
    <TD vAlign=top width="1%" bgColor=#c0c0c0><FONT size=2>24.1</FONT></TD>
    <TD vAlign=top width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top width="97%" bgColor=#c0c0c0><FONT size=2>Power of Attorney
      of certain officers and directors (included on the signature page to the
      Registration Statement)</FONT></TD></TR></TABLE>
<P align=left><B><FONT face=serif size=2>Item 17. </FONT></B><B><I><FONT face=serif size=2>Undertakings</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
undersigned registrant hereby undertakes:</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(1) To file,
during any period in which offers or sales are being made, a post-effective
amendment to this registration statement:</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(i) to
include any prospectus required by Section 10(a)(3) of the Securities
Act;</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(ii) to reflect in the prospectus any facts or events arising
after the effective date of this registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate,
represent a fundamental change in the information set forth in this registration
statement. Notwithstanding the foregoing, any increase or decrease in the volume
of securities offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus
filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the
changes in volume and price represent no more than 20 percent change in the
maximum aggregate offering price set forth in the &#147;Calculation of Registration
Fee&#148; table in the effective registration statement; and</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(iii) to include any material information with respect to the
plan of distribution not previously disclosed in this registration statement or
any material change to such information in this registration
statement;</FONT></P>
<P align=center><FONT face=serif size=2>16 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face=serif size=2>provided,
however</FONT></I><FONT face=serif size=2>, that paragraphs (1)(i), (1)(ii) and
(1)(iii) do not apply if the information required to be included in a
post-effective amendment by those paragraphs is contained in periodic reports
filed with or furnished to the Commission by the registrant pursuant to Section
13 or Section 15(d) of the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), that are incorporated by reference in this registration
statement, or is contained in a form of prospectus filed pursuant to Rule 424(b)
that is part of this registration statement.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(2) That,
for the purposes of determining any liability under the Securities Act of 1933,
each post-effective amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at the time shall be deemed to be the initial </FONT><I><FONT face=serif size=2>bona fide </FONT></I><FONT face=serif size=2>offering thereof.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(3) To
remove from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of the
offering.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(4) That, for the purpose of
determining liability under the Securities Act of 1933 to any
purchaser:</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(i) each prospectus filed by a registrant pursuant to Rule
424(b)(3) shall be deemed to be part of the registration statement as of the
date the filed prospectus was deemed part of and included in the registration
statement; and</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(ii) each prospectus required to be filed pursuant to Rule
424(b)(2), (b)(5), or (b)(7) as part of a registration statement in reliance on
Rule 430B relating to an offering made pursuant to Rule 415(a)(1)(i), (vii) or
(x) for the purpose of providing the information required by Section 10(a) of
the Securities Act of 1933 shall be deemed to be part of and included in the
registration statement as of the earlier of the date such form of prospectus is
first used after effectiveness or the date of the first contract of sale of
securities in the offering described in the prospectus. As provided in Rule
430B, for liability purposes of the issuer and any person that is at that date
an underwriter, such date shall be deemed to be a new effective date of the
registration statement relating to the securities in the registration statement
to which that prospectus relates, and the offering of such securities at that
time shall be deemed to be the initial </FONT><I><FONT face=serif size=2>bona
fide </FONT></I><FONT face=serif size=2>offering thereof. </FONT><I><FONT face=serif size=2>Provided, however</FONT></I><FONT face=serif size=2>, that no
statement made in a registration statement or prospectus that is part of the
registration statement or made in a document incorporated or deemed incorporated
by reference into the registration statement or prospectus that is part of the
registration statement will, as to a purchaser with a time of contract of sale
prior to such effective date, supersede or modify any statement that was made in
the registration statement or prospectus that was part of the registration
statement or made in any such document immediately prior to such effective
date.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(5) That,
for the purpose of determining liability of a registrant under the Securities
Act of 1933 to any purchaser in the initial distribution of the
securities:</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
undersigned registrant undertakes that in a primary offering of securities of
the undersigned registrant pursuant to this registration statement, regardless
of the underwriting method used to sell the securities to the purchaser, if the
securities are offered or sold to such purchaser by means of any of the
following communications the undersigned registrant will be a seller to the
purchaser and will be considered to offer or sell such securities to such
purchaser:</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(i) any preliminary prospectus or prospectus of the
undersigned registrant relating to the offering required to be filed pursuant to
Rule 424;</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(ii) any free writing prospectus relating to the offering
prepared by or on behalf of the undersigned registrant or used or referred to by
the undersigned registrant;</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(iii) the portion of any other free writing prospectus
relating to the offering containing material information about the undersigned
registrant or its securities provided by or on behalf of the undersigned
Registrant; and</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(iv) any other communication that is an offer in the offering
made by the undersigned registrant to the purchaser.</FONT></P>
<P align=center><FONT face=serif size=2>17 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2>The
registrant hereby undertakes that, for purposes of determining any liability
under the Securities Act of 1933, each filing of the registrant&#146;s annual report
pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where applicable,
each filing of an employee benefit plan&#146;s annual report pursuant to Section
15(d) of the Exchange </FONT>Act) that is incorporated by reference in this
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial </FONT><I><FONT face=serif size=2>bona fide </FONT></I><FONT face=serif size=2>offering thereof.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Insofar as
indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the registrant
pursuant to the indemnification provisions described herein, or otherwise, the
registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the
Securities Act of 1933 and is, therefore, unenforceable. In the event that a
claim for indemnification against such liabilities (other than the payment by
the registrant of expenses incurred or paid by a director, officer or
controlling person of the registrant in the successful defense of any action,
suit or proceeding) is asserted by such director, officer or controlling person
in connection with the securities being registered, the registrant will, unless
in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether
such indemnification by it is against public policy as expressed in the
Securities Act of 1933 and will be governed by the final adjudication of such
issue.</FONT></P>
<P align=center><FONT face=serif size=2>18 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>SIGNATURES</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Pursuant to
the requirements of the Securities Act of 1933, the Registrant certifies that it
has reasonable grounds to believe that it meets all of the requirements for
filing on Form S-3 and has duly caused this registration statement to be signed
on its behalf by the undersigned, thereunto duly authorized, in the State of
Missouri, on January 16, 2009.</FONT></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="49%"></TD>
    <TD noWrap align=left width="50%" colSpan=2><B><FONT face=serif size=2>ENTERPRISE FINANCIAL SERVICES</FONT></B> <STRONG><FONT size=2>CORP</FONT></STRONG> </TD></TR>
  <TR>
    <TD width="49%"></TD>
    <TD width="50%" colSpan=2>&nbsp; </TD></TR>
  <TR>
    <TD width="49%"></TD>
    <TD width="50%" colSpan=2>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="49%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>By:
    </FONT>&nbsp;</TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>/s/ Frank H.
      Sanfilippo</FONT> </TD></TR>
  <TR>
    <TD noWrap align=left width="49%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="49%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="49%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>Frank H.
      Sanfilippo</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="49%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>Chief Financial
      Officer</FONT> </TD></TR></TABLE><BR>
<P align=center><B><FONT face=serif size=2>POWER OF ATTORNEY</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We, the
undersigned directors and officers of Enterprise Financial Services Corp (the
&#147;Corporation&#148;) and each of us, do hereby constitute and appoint Peter F. Benoist
and Frank H. Sanfilippo, or either of them, our true and lawful
attorneys-in-fact and agents, each with full power of substitution and
resubstitution, to do any and all acts and things in our names and on our behalf
in our capacities as directors and officers and to execute any and all
instruments for us and in our names in the capacities indicated above, which
said attorneys or agents, or either of them, may deem necessary or advisable to
enable the Corporation to comply with the Securities Act of 1933, as amended,
and any rules, regulations and amendments (including post-effective amendments)
to the Registration Statement, including specifically but without limitation,
power and authority to sign for us or any of us in our names in the capacities
indicated below, any and all amendments (including post-effective amendments) to
such Registration Statement; and we do hereby ratify and conform all that the
said attorneys and agents, or their substitute or substitutes, or either of
them, shall do or cause to be done by virtue hereof.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Pursuant to
the requirements of the Securities Act of 1933, this registration statement has
been signed by the following persons in the capacities and on the dates
indicated: </FONT></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Signature</FONT></B> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="67%"><B><FONT face=serif size=2>Title</FONT></B> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Date</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Peter F. Benoist</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"><FONT face=serif size=2>Chief
      Executive Officer and Director</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Peter F.
      Benoist</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="67%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="99%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ James J. Murphy</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"><FONT face=serif size=2>Chairman of
      the Board and Director</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>James J.
      Murphy</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="67%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="99%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Kevin C. Eichner</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Kevin C.
      Eichner</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="67%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="99%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ William H. Downey</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 15,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>William H.
      Downey</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="67%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="99%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Robert E. Guest, Jr.</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR>
    <TD noWrap align=left width="15%"><FONT size=2>Robert E. Guest, Jr.</FONT>
    </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="67%"></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="15%" bgColor=#ffffff></TD></TR></TABLE><BR>
<P align=center><FONT face=serif size=2>19 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Lewis A. Levey</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Lewis A.
      Levey</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Birch M. Mullins</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Birch M.
      Mullins</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Robert E. Saur</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Robert E.
      Saur</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Henry D. Warshaw</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 15,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Henry D.
      Warshaw</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Michael A. DeCola</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Michael A.
      DeCola</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=5>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/ Brenda D. Newberry</FONT>&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT face=serif size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT face=serif size=2>January 14,
      2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="15%"><FONT face=serif size=2>Brenda D.
      Newberry</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%">&nbsp; </TD></TR>
  <TR>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="15%"><FONT size=2>/s/&nbsp;Sandra Van Trease</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"><FONT size=2>Director</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"><FONT size=2>January 16, 2009</FONT>
    </TD></TR>
  <TR>
    <TD noWrap align=left width="15%"><FONT size=2>Sandra Van Trease</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="68%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="15%"></TD></TR></TABLE><BR>
<P align=center><FONT face=serif size=2>20 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>EXHIBIT INDEX</FONT></B></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=center width="1%"><FONT face=serif size=1>Exhibit</FONT>&nbsp; </TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="97%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><FONT face=serif size=1>No.</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="97%"><FONT face=serif size=1>Description</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>4.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Amendment to Certificate of Incorporation (filed as Appendix A to
      Registrant&#146;s Proxy Statement on Schedule 14A, effective November 20,
      2008)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"><FONT face=serif size=2></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>4.2</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Certificate of Designations (filed as Exhibit 3.1 to the
      Registrant&#146;s Current Report on Form 8-K filed on December 23, 2008 and
      incorporated herein by reference)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"><FONT face=serif size=2></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>4.3</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Form of Certificate for Fixed Rate Cumulative Perpetual Preferred
      Stock, Series A, Par Value $.01 per share</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>4.4</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Warrant to Purchase Shares of Common Stock, dated December 19,
      2008, to purchase shares of Common Stock of the Registrant (filed as
      Exhibit 4.1 to the Registrant&#146;s Current Report on Form 8-K filed on
      December 23, 2008 and incorporated herein by reference).</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%">&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"><FONT face=serif size=2></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>5.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Opinion of Greensfelder, Hemker &amp; Gale, P.C.</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>12.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Statement of ratios of earnings to fixed charges</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>23.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Consent of KPMG LLP</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>23.2</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Consent of Greensfelder, Hemker &amp; Gale, P.C. (included in
      Exhibit 5.1)</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>24.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="97%" bgColor=#c0c0c0><FONT face=serif size=2>Power of Attorney of certain officers and directors (included on
      the signature page to the Registration
Statement)</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face=serif size=2>21 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>imgx1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 imgx1x1.jpg
M_]C_X``02D9)1@`!`0$`8`!@``#_X0`617AI9@``24DJ``@```````````#_
MVP!#``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_VP!#`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0'_P``1"`+H`$4#`2(``A$!`Q$!_\0`'P```04!`0$!`0$```````````$"
M`P0%!@<("0H+_\0`M1```@$#`P($`P4%!`0```%]`0(#``01!1(A,4$&$U%A
M!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*%A<8&1HE)B<H*2HT-38W.#DZ0T1%
M1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J#A(6&AXB)BI*3E)66EYB9
MFJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76U]C9VN'BX^3EYN?H
MZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!`0$!`0````````$"`P0%!@<("0H+
M_\0`M1$``@$"!`0#!`<%!`0``0)W``$"`Q$$!2$Q!A)!40=A<1,B,H$(%$*1
MH;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF)R@I*C4V-S@Y.D-$149'2$E*4U15
M5E=865IC9&5F9VAI:G-T=79W>'EZ@H.$A8:'B(F*DI.4E9:7F)F:HJ.DI::G
MJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:XN/DY>;GZ.GJ\O/T]?;W
M^/GZ_]H`#`,!``(1`Q$`/P#^_BOFC]I+]J#X;?LKZ1X&\5?%K5]-\,^!_%WC
MRR\":EXMU?5;'2].\,7.JZ!XDU32-0NX[J1;G4;>\UC1;'09H=.CGFTR'5W\
M3:G]D\,Z#KVI67TLW(..O4=L?X<5^7O_``5'N=83X9?"JTT[6?B/I4%W\9M`
MEOX?A;\(/A]\8?$U\?#_`(3\;>,-$<V?Q-T[6/"?@BT\/^+/#OA[Q@GQ"N=+
MO+W1M4\-Z7IFFG3[S7(M5T_AS&O4PV#KUJ5O:4XJ45))IVDKWNTK:ZW:\CZ7
M@_*\)G7$>5Y7CG-87&8A4:[IRE&I&#3O*#C3K-36CC^[EYKH?8OP$_:9^"O[
M36D^*=>^"7CO1_B%H/A#Q.?!NMZ[X?DDO-%3Q$OASPYXJEL+#5TC&G:RMOHW
MBO1'N;W2+F_LK:^GNM)GN(]5TS4[*TN?&3]HGX3?`>U2Y^)GB8Z`DWA[Q9XI
M0)I&M:O)_8'@FSLKSQ)J31Z-I^H/%#8C4]+LX$E5)M3U?5M)T/28K[6=4T^P
MN/B#_@EAX2\9^'/AC\7=0\76'Q-\SQ=\;?$GBW1_%/QCM?`.G?$+QUI.J>%/
M`\:^(]6TSX?P1Z?IFFV&H6FH^"O"NGZC-/=VGA/PEH4.DV^@^#5\+^%M!\8_
MX*9Z];^%)?@+XH^*>G_LP/K&G^-_B9%INL?%KXV>,/@_ING^&H/$&E^*/!-M
M9V&F)<W'Q)MKNV\*?#^\^)/@W5--UOPS#\0M+\)^([71Y+#1=/U/2>!YCB(Y
M3'&R4(5N1.2E%JFG)K71R=G>_P`3OWZGU*X0RJKXA5N&,+4Q6)RZGB9T:;HU
M*;Q510I<Z2=2%*/-S)J2E",MURIZ'ZS_``?^+_@CXX^`])^(WP]U"\U'PUJ]
MQJ]C"VI:-K'AS5;+4_#NLZAX;\1:+K6@>(;'3-<T+7/#_B'2-5T/6M'U?3[+
M4-,U;3KRQN[>.>!T'AGC;]NK]G#P#\3?&WPE\1>/$M?&'PU\`:O\3_B#;0Z+
MKMYIG@[P9X>_X12?7M0US7K739=$MK[1]'\;^%_$VI>'H[^7Q'9^%=7L/$D^
ME)I&H:?<W7EO_!,'Q4GB_P#8^\,>(;63PA>+=>.OCQ%'=^`_$'BKQ;X3U3^S
M_CO\2M/74])\7>.))?%7BL:HMJM]>^*=8?S_`!'J-U=ZW%'%:WT$2?C!^UA\
M/_B'XZ_:(^.'CWQA\`?&/@9DU+5_#VKZ=;_M)?"GP1\'OB]\/]2\$?!FW\3:
MM\3KKQ+JJ>.+3PKXIC^%^@>']>USX>VWAB2;P-X/T?2=;T"Y\1:?XJTB[RQN
M;5L-@<%B:<.>==TU+W*DX\LE%MIQ3MNM9-W7?IZ'"W`&79WQ1Q-D^*KRPN%R
M>CBY495,5A*%:-2A4C&FJD*\Z?MM+QE&BN;G<=/>2?\`5?!-'<PQS1G=%(JN
MC9ZJP!!]02#]?7!XJ:L;P^K+HVG*PVD6L.5XX^1>,C(/KD$CGJ1@ULD@<FO?
M@^:$&]W"+?S5^NOWGY/B*<:5>M2BVXTZDX1;M=J,FDW;35+IH%%%%68B$@9)
M/3J/\_Y]>E?F#_P4[@\*W'@?X+Q^,?\`A#M:T./XTV=_<_#;XEZIJGASX8?%
M<Z/\-/B?KQ\(_$+Q78^'O%>G>&M`T./2W^*%E?>*M`U#PG?>*/AYX?T#61:1
MZS%?6WZ>[!QCC!Y[Y'0CFOEC]IKX5^)?BY;_``VT+P_\:=?^#.GZ9X]FU;QE
M<^$AHT?B+QOX3;P%XZT2?P/IU_K=GJ=II!N=9UG0_$MQJL.F7FJV%MX9EGT*
M71];33M?TGBS"FZN%JPC9RDDES<K5^:+U4GRM::IWO\`G]'PEBZ>!S_+\75<
MU2H3G.HZ<JD9J/))/E=*,JJ=F[.%I)[-;KR3]@GX<:Y\-OA=XVU'5X/ASX8T
MSXA^/]4^(/@SX7?"359-;^&OPG\)7_AGPMHUGX3\):PVE^'K;58M6U/0-5^(
MOB+4-+\,^'M*O/&GCOQ+-8:8\#KJ%_\`$&E?"_XV?M3_`!"\>?&6[_:BG\':
M5\//C!^T%\*OA5::Y\&OA!>:EI'@SP]\0!X%\<:!%=&_U^\O-#N/'GPR`T[5
M]3_L/Q#K>D^%?#&HZKI=G++>KJ/WC\+OV,_A;\+-6\`:W^S]XBU'P1I_AOQ;
MXJU'XHV5KK_B'Q>OQHM]9\+^,-#U73/'=WK7B>Z6]\467Q"U/P[XX;QQJUMK
M?BNRN_!]YX4M;C3])\3ZXM>2>!O^"5?[-"W_`,2]6^-/PB^#/Q:\1^-OB[\6
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MXB-GI_\`9NK:0^@:0UM!I^HZ>+&&[B_'_P`1>$?VE/B;H/B+XD:+:?M:?"S0
M_A)X3\/^!OV;?#NL6_C2;XF_%#]HG59)]2UWXP?M!>'O"EGJ6H:Q\,/#&J6N
M@Z#=Z7XFM]3\":GX>@\>W'AS0;BUU7P-I=[CFF'J3P^!P<**E[)PDXVJ5$N1
M1BVJGM(-2BKV<G*[2]U]?3X#S;"X?-^)^)*F8U*?USV]"%5U<)A*M3V\HS2J
MX66&Q,9QKRY8NG1C25.',U5CRH_HUT",Q:/IT9<N4M81N(VEOW:\D>__`-;M
MBMCG(X^I]*SM)61-.M$EQYBP1AL8Z[1GIZG-:-?4T]*=-?W(_P#I*/PW%2YL
M5B)73YJU25U:SO-NZM96=[Z)?=8****LP#/<\?7%?C)_P5F^'FEZG_PSMXX@
MU_Q5X>\66OQ;7PEX=UD?M#_$+X%?#CPS/KWPZ^):3^(_%EWX0O=ZZ@VG'5/"
M^@7OARUTCQEK6L>)M-\&S^)8?"&N:_IUW^S/7DCMQALY'?I^'Z5^1?\`P62\
M*_%'Q7^R]%;_``L\$IXWU+2/%D?B/4+*S\"Z'\2?%&E3>'O"/B_6?`VH^$/!
MVOV^H6NJZM>_%BR^'WAC5VMM$U_4+3P3XA\5W=CI4DT*W5IY.=1<LNQ%E*4E
M%.')H[\T=;ZM=M-=&^Q]WX9U8T>-LC<JE*E3GB?9U)5HPE14)PE%^TC-.,T]
M/=EI)V3:3.=_X)M_&OX,^$]'\9?!^[\7Z4GQ@UGXV:_H6I3W'QU\7_'67XP>
M,=,^$?A3Q1<>)_!7BOX@7]UXNO='TKX>:';:!JVE2P0Z=X2\0^`?%7AU+K4K
MK3)-9UC[/^!7QA\=_%K1OC?XGO/$7@:UT'2/BA\5_AI\+[:W\+ZS!JVC2?"?
MQIXH^&VN:C\0(;CQQ<0:Y+/XR\,Z@^F6.@R^%_M_A:QT[6I;O3+_`,42:'X3
M^4OV$?@U\._&TGB;XZ:U^SOX?^&]SX3^+6NWG[/5[JWPVT/X=?$S2/!/_"KM
M&\#Z_>^(=+T^RT[Q#I4NL>+M5^+EK8Z+XMM[+5X_"M[H+:OH]M?6]I)#\N>/
M/`?PH^+WQ'L/'5C<?M+?!&Y_:#_:?^-G[/VH:'^SO^T!_P`(YX0\;ZY\#KOX
MF:!KOQ(^*_A[5[CPO#X1OO$.C?`/QK<R7/PTAUCQ#=:-8Z*E]K&H>(]>>QM_
M.PU>O0P&&Y_9S=FH13<.:-DHN<I1=W&5KWLY7ONS[+/,IR?-^+,]I45B:%JM
M*>(KJC1Q4*.(B_:5:=&%.<>6G.G%NFXRE&FXN"]Q)K];_P!CSQQX?^(OP4C\
M1Z%HEMH2O\1OCCIGB*QL/$.J>*]&N/'N@?&WXA:%\2M9\.:]K,C:A>^$_$'Q
M"TSQ-K_A)9HK&*R\-ZGI5A:Z3HMI:V^DV?R1XW_;;\8?#O\`:*^)WPD\+>'K
M7]HS4=*\=^&=*M?A/\,]!\0Z'\2OAAH6J?#+X?>(9&\5^)O$.F6OPAO(]8U+
M6M6\3:-JGC'Q]\--$?2+Y-"T[Q%K_B32M1T+3?H_]@F_\/7'[-OAW1?#7@71
M?ASI7P_\6?%KX1KX6\.ZS?\`B#18;KX+_%OQS\)]2U?3M8U6SLM7O[?Q/J?@
MR\\3B?68YM9+ZRR:MJ&JZ@MSJ=W^*G[=GB[X]Z'\9OVS]$\#>)OVJ/!4+:#I
MGBCPL?V>?@Q\*$\-^(#K'P2\/^&H-;U[Q_>:%;?%+Q-XRM==\%ZCH^I:[X=\
M56FO>&O"NC^%="\.7NF7.B6#QZYAC*F'P6#JQ;4YU*<&X*+=FHN27,XJV^Z=
MNS//X.X<P6;<3\0Y=6I1GAL'A<35I4\1.I32=.=.%.<_J].M4<O>3Y8SIK6T
MJL5<_H@^$?Q?\/\`Q:T[Q"VF6FJZ)X@\%^(?^$0\=>$M>M8K37?!OBK^P-!\
M4+H6KK:7-_I<\\_ASQ1X=U^QOM&U35=&U/1];TW4=-U*[MKI)6]=(!X-<?X0
MT;2=/L9=0LM.L+34?$,EIJFO7EG:06T^LZG#I6G:-%J.IS0QK)?WT6CZ3I6E
M1W=TTLZ:9IFG6"R"UL;:*+L.<GGZ#TKW:+DZ<7)IMQ33MT:5M-/T]#\NQ\:4
M<9B(T(.G3C5G%0<G)1<79J+?O.-T[.7O6WON%%%%:G&%?F]_P43T:RU72OV<
M9;;5]'@\?Z3^TKX*U7X2>%_$W@W7O&_A3QK\0K?PGX^M[+3_`!/IOAS&HZ1I
MOA+P[<^)/BG;>-=ZVW@#6OA]I7C>ZBOH=`;3[K]'@%!..V.G\/'OUR/Y>N*_
M*[_@JYKTVC_!_P"&]II7PTF^(/BK7_B]I.B^";VU^(GC#X47O@CQ>W@KQYJ6
MBZ[I7C[P+IFI>(=$U[Q--IC_``I\.VT9LM-\1Z]\1]-\*ZY?#1=<O[2\\[-)
MQIX"O.2;48)Z<REI)-6LG:6UM+7W5EI]?P'0EBN+,GPT)QINOB5252?L^2/.
MG'FJ*K*,'35[S3DFXIJ+O9KT;]AW2=>T^V_:3G\?^-='\4_%C5OCI<:A\5=+
M\,:->Z-X3\"Z^?@[\'['PQX4\+)>ZGJT^IZ2_P`*K+X=^*'UF2]2XU+5?$VI
MW&HZ;H.JM?\`A_2_R:^(?P[_`&:=-OM<O=)^!WC3XP_%OXF_M@?'?PM\#M*7
M]J3XI>#G\9>/W^(7Q3U/XX>*AI?AT:!IWPE\"_"9W^(7A?5-6TKPAK.IWVGZ
M+=0RR^)U\4:=XR\:_?'_``2"U[1_$GP:^*\NEZ=X1A,'QHU6#6=8\*>-OB%\
M3I_%.O7WP]^&VMZKK7C'XD_$W2M&\4>,?&\=QJ_]BZY-/IMK#X8AT>P\`?9X
M+GPC=VT/H?Q?\(_L#_LP_&/2/'GC30;#P;\8OVDO$$_@'0]0T#_A-9O$.K:O
MX_\`$'AGPSX@UC1+?PS-+'\/?[8\2>(O!]MXV^).EQ>%A+KNJ>%F\1>)'UJ]
MT/SO&G16*RW"U;4:=/>4L3RR<%/EMK4A*\[JRO'=I[*S_1\/F%3AOCKB+`0>
M98S%J<(4*>2RG0CBI86"E*G-83$4YPPMKR:C.H_9Q:=I-37H?_!-_0_"WAS]
MEKP_H?A/0/$?A2RTWX@_'6QUGPQXI\42>.-5\->-[;X\?$F#XC>'(?&D]K97
MOB[0M`\?IXET?PKXHU6`:YK_`(7LM'U?79KK6+N^NIOAS]KW_@F=\2_CC\6O
MC)\3-%\?^%]2E^(%SHUEX/T#QUXD^)=IX=\(:!=_#S0/!^OV5WX=T/5[KP_J
MB^&_%/A2S^)'AK34T:VTSQ=/XQ^(O@[QE'%9:S:Z];?JU^SF_P`';'X0Z-9_
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M=K2$L3\Q!*)D9SD_7]>.=S/3WZ5])3M[.G;1<D;+LN56_`_'L6IK%8A5)*4U
M6JJ4ELWSRNUV3>M@HHHJSG$)ZXY([?Y_IFOCK]L/]IO1OV6/#7P]\=>*/#FK
M>(O!VO\`Q1\->`O%2>'O"_B;QAXCT^S\8V&MZ5X?OM"T3PSI>ISW=V_CM_"&
MG7$%\MLEUIFH:C8Z'_:WC"Y\,^&];^QJ^$OV[_A?\1?B?X%\`VO@S0?%7C?P
MWX<^)6G>)OBC\,O`_C"R\`^+OBAX#LO"WB^TA\'Z)XIU'7?"FGVFWQWJ'@?Q
M/J^GZCXN\,:?XA\/^&=7\.WNJFWU:33[[BQTJL<)5E17[Q13C>#DKIJW-!7D
MUWY4W9::V3^@X5IY?5S[+J>:MK`3K)8IQK0H3]FT[\E:;A"$V](2G*$>:W-*
M*NUWO[+/[3WPZ_:6TGXBZG\//#7C+PW8?#GQZO@+5H?'/@O6?`&K7FKOX&\$
M?$%[ZW\,>)K/3/$]CIYT[Q[IMO'+KVC:/=WMY:WMY8V=UHD^E:QJGYF?\%5]
M1\'?%?Q)\'_!?@6V&M?%;0]1\4:AI/CCP_\`'CPE\(D\#R>"/&/PN\:WO@W5
M]3\0>"OBKI6J:YKOBWP9X/\`%FF^%;[P'>73'X5:OJ1U'28M%O8;_P"]?V%O
MAU\4/`O@;Q_'\1/"6K_#?0_$/Q'U+6_A9\*O$/C6W^(?B/X:?#N3PQX3TJ+P
MUKWBRSU3Q!975_J?C#2O&7C>+2M-\3^)]*\*6'BZR\):/K4NE:'9VMG\8_M&
M_P#!/GQWKW[2&H>//@]\)/V-=5\`^.M+\7^)/'2?%GX2)K/B34_BCJ]UX`M[
M36M2U58]4U*]E;3]%\2W4%QX?G\+:0]QKNLR^)_#_B#Q!-IOB5?'QL<9B,JI
MTU"]6JU&KRTTI15XRYH0J1:2NMY1YDM4MT?H_"]?AK)_$/%8SZTX8'+_`&E3
M+_K.+E.G6_=*/L\3B<-5A*;49-N-*JXSDN53<=7]%_\`!-[P[H?CG]AS3?!?
MC;P7X9FT36/$G[0G@GQKX3E\3CXLZ#XHM_\`A=7Q/\->+)/$OBG4TDM_'MYX
MXD34M5\;ZC<:=ING:[K6MZVR>&?#MC<)X<T[PO\`:]^!O_!*B\^(WQ(\<_M/
M>%/#8\>^-U\->!?&WBG4-'\<3ZA#/8^#]2O],U>QU+1;*XAT"7P_X%BDU'Q/
MX]T:2QM_"WAO0-(OO&6NZ9I_A_39;3[V_8Q^!NM?LZ_`'PO\+_$:^!H=:TO5
M?'6LW]K\-=`G\+>!;&7QEX]\3>,UL/#N@W%Q<2:?96,?B!+.1$^SVTUW#<75
MII^FVLT-A;?@Y^VQ\7/AOX)_;8_:,\,^+OACX:COO$GP7\5CPAH.H^)?B==^
M,/VA/B==^'OV;-'T/2?#?A"QU:'P=8Z-\9M$ED^`4VJZ#X5\0^(M0/P>\5KK
MM_\`\(AI7B+PWJTXMK"Y;@85Z=";3I4W]9C=*7+%7TY8J=U>.R[6-.&:-7B#
MC?BFOE.-S/#4)4LPQL'DU9TJM2A[2#<6YN<Y4+2O-/F?)'WKI']0.DK;IIUH
MMH<VPA00G_IGM&SD\GY<<GGZ]3HX&0?3I^-9&B.KZ38/&N`;6'"D\A2@P,\_
MCSC\JUZ^DIN].#LE[L=%M:R_JWXGXWB4UB*Z;DVJU1-S:<FU-W<FM&WU:W"B
MBBK,`KX:_;O^-7Q+^`GPNT;XA>`+/3KBPT?Q/YOC>;5/%_P\\$V%GX<_X1?Q
M0-):^UOXFWVD>&[?2M3^(`\$:!KDPU[0]4TS0]8U/7=.OII])_LS4/N6OQL_
MX*X^&_"GQ@^`5_X2\3Q_$?PU<>'?BK8^$O"^KZ-\'=7^+EAJGB/Q_P#"G6O"
M<&MQ>#-#NHM0USPU%I_Q5U3P[H?B>&ZTN3PS\9--T>Z@6[GT"&VU3S<UJ5*6
M`KRI.3FH<T7&2A)VDG:+:LFUU=O)IV/KN!,'A\?Q7D^%Q<:,\-4Q4(5EB*4J
M]'EEHG4IQ]Z4$VG*RE9:M-)H^L/V']?^.VL>#_B!I_QY\<:=\0=?\.?$>]T#
M0_$UEIGAG1[J\TJS\)^$)M<@U'3/"BQ:19QV7Q!NO&UEX7AE@M]=7P%!X1_X
M2R-_%AUJYG\/_;Y^(GCKP!\4?@E<?#J3XAZ5XGN_!7Q?L].\3V'Q`\#>`_@K
MI$\GB'X+2I:_&&7XA>&_%6DWM[K!M_L7@M]#T+7O&ECIG_"?R>'-"E^T:AK_
M`(;B_P""7&M:IX@\)?M":_XJO/'&J?$'5_CW<7/Q`UCQO\,;[X-C5-?@^#GP
M;T_1&\)?#K6+S4?$&@^#])\`V7@KPWI\WB+4+_6-<U#0]6\13W=Q;ZM;.?*/
MV@OV;/VQOV@_CG:>,?$WPU_9.\2>#OA/K'Q)T#X4:9\1+_QQXAM=9\)^.T\'
M75IXOU?08M`U'2](\=:;!X?7PT;I4G%I!<>,(-.C.F>(K2[3S76KU<IH^Q5>
M56KR6>]2*3CS.4O>Y6DGKK9O1Z(^UI9=E>"\1,T693RJEEV7NM[2FXNE@:TI
M4%&E'#T?W3E!U'%N%H>[=R2O8^N/AQXI_:6UO3[+X0?&^+38]4\?_"#QIKL?
M[0/P"AUG2M$\(:_I4_A'P]=:-]E\::?XIT_0/&$R^.X?$OPQU6\U77[;Q9%X
M/\9WE_X-T.U\,_9-9_'#]J;XD?&SXQ?%#]I?3O"'BC]N3X?76C3V_P`.?ASX
M#^'O[/?AW4M/L_$R^`M&EUOQ#IWQ-_X0.ZU&RL]8U+Q!:)I4>G_%+PDL4^BW
MGBK2_B=IWASQ?H%_X4_<+]FK]F_4?AC^R]IWP'^(.KP7%S=Z9X]L]9;X;7_B
M3P-IOA/3/'OB/Q-K<?@[X8:OINIV7B[PGX=^'>E>(H/!GP\U33=4TOQ!H^A^
M'-#OK&32;^W@2U_$7]NZZ^&1^./[8VD?%G4_V[+FUA^'_A.YT30?@7XB^-$?
MPH@\.:O\-K[399+#2-/NC\.X-?U[7M*UNQ\30Z]IMS\,KN.QTF>[BD\0S?$X
M/AF])K!X3V\YPBZE-RC.IKS6B^64E9OE:NKIZO5::>OX>8NB^)N('EF%HU:D
M<#BE1JX;#WA[&=2%.<Z5"7,HQJ1FH249+EC\,O>9_3-H*/'H^GH[!G6UB!(X
M!(1<D<=#UZ<9QVK8K&\/LC:-IS1Y,;6L)0GK@H",\GZ9R<_K6S7T]+^'"W\D
M7_Y*MWK>_?\`I_AV,O\`6\3?1^WJW5K:\\KZ=/3IL%%%%:',)DG!7UY^G?K7
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M7)AX1G"7-*K-R@HPM\4N:/*KVDGJG_\`!-O2_'.E>"/C9IOC[P+\;_!GB&#X
MRWCK+\>_%7A/Q9XK\60WWPR^&.I#Q+HMU\/;2'X<V/A=KN^NM!AT_P`#7FLZ
M3_PD&A>(M1UG4D\9:AXHTK3.V^%/CJ3X&>(/',W[1&OZS\/5^*/QFUWPY\*F
M^*_QO\/>,%\;:AXB^*WQ)B\$Z)X#T!;72H?"%SJWAJX\,1^%_A]H+ZLT7@$>
M!X-9>3XC:?\`$6>3R+_@E7-\3Y?!GQ^3XNS_`!*C\=6G[0.KVFK:)\5O'/P]
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MLKZUN;.XCCN8)8D_FO\`VTO@_>_&7]H3]K.UTOX5Z%K%YX.U?X9^(+SXG>._
MV]OB=X'\._"Z&;X:>"+OPEXVU+]G_P"&.C?8/"7@30O$?AC6]=DF\4:[I/B7
MQ!J_A_QCXMTWQ3H&F2Z+=Z%^U'[!ND>`](_9H\(1_#OXFW/QBT+4M>^)7B34
M_B3=6":3<>*O'GBSXG>,O%'Q/U&71DM;%=#E7XE:OXMMY/#YM8WT%X&T>8RR
MV+RR?C#^V3X[\+VW[1?[97PT'C/XE>!?@[K'P]U_XD_M36VG)\.HK3XBW?PV
M^%_[.VC>-/`/P\UG5[>_\9:)K7B_X(?$WX5>'KE;A+'1-8U5_P"Q_"-YHOB#
M4/$OB.%9O5A6P.#G7A\=6%XI4JEIN*MK44HI*6\HOF6\7>QT>&U"OEO%/$-#
M*ZUY8'`8M0Q%:>.PKE0I5J2FY1PSHUW.I!M1HUH^SE)J->"BVC^D_0(C!H^G
MQ'I':0H%XXVH!C/^)/UZD[-96BD-IEB5)V_9H@`22>$4@DGDDCKGDYYK5KZ.
ME;V=.VW)"WIRJQ^/8MN6*Q$I?%*M4<O5S;?X^844459SA7Y7?\%2/`OA#QGX
M,^`MQ\2?`UOXX^%?A/\`:#\.^)?B@;CP1XI^)B^&/!L/@+XD:3=Z_'\/_!]P
MNK:])?:CJ^F>#6OSIGB&R\%0>+)OB'=Z%>+X126W_5&OR:_X*^_"K4_C'^S=
M9>`]%\9:3X;UG7?%-_I^F:'XBU'Q9H_AKQW?:E\./B%IEII&OZGX.L-6U*ST
M_P`'75[%\84:_P!*OO#<VH?#&PM_$YTWP_/J&M:9YN;NV`Q#Y(SY8<RC+:7+
M)-I^6BNKIR5U=;GV7AZD^+\DA[6IAU4Q2I^WHK][352#@YTWJE-7]V<DXP=I
M--+7O_\`@FY9>#]/\`?%F+X5?"$?"3X,-\8=9D^#UM<_#^?X8ZSXX\&OX+\!
MR7WCK6?"M_8:/K,/VSQV?&7A_P`,ZCKVB:1K.J>`_#?A*\O+:X,B:IJ'S9^W
MAI>J^-_BW\";+6_@U\!_C9\0M,T_]HK29?`?CSXS77A3P1HWPNOO%WPXUO1_
M%OB'PU?_``X\57?C2]DL/#'PGL/$NE#0[VQ\*>-O%ML-.M/$.@/'XPT+W'_@
MEOXQNOB3\-?BU\1]3\2:+?:QX\^,EYXDU#P7X;L/'5AH'PN@F^&_PST_P]X3
MTQ?B'X<\'>(-0'B'PIIWA_XL:AX@3PEX<T7Q5JWQ+O\`Q3H=A/IFM6VIZAY%
M_P`%"_A=\`+']H?X%?%?XW?`WP;XR^'5SX6^*.B_$SQU>_`G7/C5X@.I6L'@
MYOACX.NM.\+Z9KM_HFGZG<S^*-9MO&>J>&?$$.DS>%E\%Z?/HDGQ#N);SR*G
M[S):,J;A",O9WYFH0A%R@W:ZDDD]E)/E2W;21]YET:6%\4\PIXR.+Q5:D\7"
MG&$9XC%5ZT,.XJ$Y1J4)U93C=RJ4Y1<Y)2C:.WW!^PMXU\:>/OV=O#>O^/\`
MPWX"\(^)$\2?$WP^WAWX8:E%K'@C2=%\(_%#QEX3\+V.D7T3+))<P>%]$T<:
MY%?6.@:K::^=4L]7\)^#]4M[SPMH_P"87[:W[+_QR^+/[1'C'Q]X4_9X\'WN
MM>`CI7B/X7?&#7_"?PF\;Q^)X=`\,>%IO!/@:>RU)!XTM(9_C!J_B74?&<E_
MIUY=>%OA[X'N-6\!>(M/\5>,]$L[#],?V!?-'[,?@Q4^&5M\'])36OB,?!_@
M"'PAIW@"YTOX?-\2O&+?#G5-;\%Z5;65CX9\5^*?`9\.>+/&&D0Z?I<EKXJU
MW6%N=*TFY,^G6WYO_M7?M8?MK?"G]J_XD^"/"6C^-]2\':U\+=?T3]G+PYX2
M^#J^*/"&N?%F]C^"DWP[\4>/OB8]A?V&C6L_B_5/C7X<\<:!K&O^#-.\-?#?
MPC9^)'1M<\3^$]9DTQ\<-/+,%'%RJ2I\]%<U.UN?10;;2T;LDUW\T8<)U<\H
M\;<35.':."I8I8?,N;#XUSY5A927MZ=)+F<JB@_>4^:-E)-NS3_=_1X98-,L
MHIL>:EO$LF`!\X10V0.,DC/XUI5F:1/)<:?9RS'][)#&[XQ@LR@GD#'OQ@8X
MYK3KZ*G;V<$ME&*5^RBK?@?CV)YOK%?GY>?VU3GY/AYN9WMY=O*P44459B)C
MC!Y]>V:^'_V\KW]D+1_@_;ZY^V7J,&D?#31-?2_TV_74_&VF:S'KT^@^(-*N
M[;0#\.;FW\;:E<:GX.U/Q=I/B#0]#2\76_!%_P"*],U[3[WPQ<ZU;R?<`QCC
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M?S]?M_\`[5WASXZ_%7P%HE[XP^%/PG\<_LZ_'CQK?:?\+?B_\;+KP-HOB;2O
M@S\:O@MJ.A_$WQ;<V>A7$/A#Q=XOL_"OBC3?A+X2\1Z!XFL]=^$WQ'UWXHZ+
MKCW6GQ:,WZ?_`/!*O[?=_"7XN1>)]/UY/B4_QFU9OBKXF\1>/M+^(FI>*_'5
MU\/OAQ=3SSZOH?A3P-H>DW7@KP[<>'/A1JO@[1_"6BZ9X-USX>:GX;LO[3MM
M.CUS4_B'X[?!SXI_LL?M.:%XAL_C'^SE;:!\<O&WQIB\&7OQH\&>)_$GQ$U?
MQY\</B/\)+_1/`%K]F\=IKNI:7H4>FZ?X.\-OX+_`.$3\%:#X3\/>&X/&WA[
M4]:ET/7[#Y[,JE?$93AG1A"C1JN"KQC!6IQ;C*/+&ZM)2:6FCTOHT?L?`V&R
MC)?$/.Z&9UL1F.8Y?"LLKK5<1+GQ52-*4:_M*L8U?:0G1E+1QYVDGHTS].?^
M":&O0^)?V3/"&NP^-]#^(1U;Q=\9=0O?$GA/^TV\%)JMW\:/B%<:SX=\!3ZP
M[WU[\/?!6KR7O@SP!J)$5KJ7@[0=#O\`3K:TTZXM;6'\COVWK3X5^-OVGOVH
M?"7C+QWXE;0?!'PU\3_&C7;F[^%NGZGHOP]\5?#SX8?!+1O$B>%O$H^(_A;7
M_%7C'X??"CXI:+\2_A9I.G^'K&V\'?$?XHZWXGM/'/B+7;2S\$>'OUG_`&)=
M9N_A;^R+J'BGXOZY\/[9O#GC7]I'Q;XUUOX?:1%X?\$:5IT7QO\`BEXAU":#
M0;:$7NAW.CZ8[)XHTC6Q>>+]*\0VFLV7C*\U+Q=!K5[<_P`^/[>'QH^`WQQ^
M*_QD^-W@/Q]^RCIDO@3PLTGP_P!;\1Z=\5?%NO\`Q<7_`(0?PSK=IK.HZ9X6
M\=:#\,-=GB\9Z#;>%-)\-^/OAW\31%%X%\*:QK6FWV@WFA:16>:UH4<KR^E*
M5.51RH/V=2;IN:C&*;C:_O)V:4M'M>[1KX?Y?B<;QUQGC</2Q]'!K#YE'ZW@
M,+'%0P]2I4A*E3J<_LK0EK%RBU*,;RY6E(_L#T-$CTJP1'WJEK$`V`,C8,$]
M>O4\GKWZG6K!\-G=H.EL&)+6<&">#C8I&?PSG//.#DUO5]?2M[*G;2\(/[XH
M_GK&IQQ>*4FVUB*J;>C;]I).^BUOY!1116AS"$`]?_K?B._XU^3'_!8=/B2O
M[*^H77PX^)-C\-I;/5-2?7[RX^*&A_!J\URUNO`GC;3?"NC:7\1M>O\`1K#0
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M0+O7_#^H6%[\;;J#0O"/AKQSI7Q*T[X9Z3;_``J^%)/@UO&OAJ74/!^JZAJ&
MIOJ/Q%U2U\&Z[XD\/>']0\>7/AB+6IM0T74;2RXKX]?!&Y_;O^+5]X<N-4U3
MX&>)_P!G+_A%]=\$_$?P=XY^%WCW5_$UEK/QJO\`Q!-9ZS\,[[3O$MQH'AJU
M\;?LM_#+Q!I^O>(;32-1U?QAH/C#P#9^;I7@SQU:^*+W_!*VWU:3P=^T-XEU
M/5+GQ!8^*?CY/J>A^))?@1XJ_9WL_$.D6'P;^#/AN/4-*^'_`(SL[3Q";6VN
M]"O=&N-;N1<Q7^K:5J5O:W+6]C'%%%JW[?'[,WP?^,/Q2\/:#\#/C##\37\1
M:SX?\=ZGX(_9R\:ZAJ'C"\\!-_:\U^^J^'/#\]SXKT?3XO'5OK>GZJLEY:!/
M'=C=1/%<^*H%ON*C*E_9F%6/J<M.I&U95&E*;O%QUA[O-=)IP:6BMI8^CQU#
M,X<?9_6X3P:JX_#5%+"2PT)3IX6,Z<(U?W>+:E*'+*4&L33E-+XU?5?='[/_
M`,`-$^`/P;TGX2:9KFN^*XK&Z\5:UJ_B?Q7=0ZCXA\4>*?'7BG6_''C/Q+KD
M\-M:6CW_`(B\6^)-;UJZM[.SL]/MGOC:V-G;6<,%O'^<-W_P3I^)?B6_^+_@
MI_V[/B)#\,?&7B)+"^^&VB?#O]GE/^$1\+3>!/!^@0^!]-GN/A=?IX1^Q:!I
M]G=:-#X1TWPG8VMMJ.G>(7T6X\5:CK?BCQ%^C?[+_P"T!HO[3OP5\&?&?0O#
MWB/PE9>*[._>;POXNL#IGB7P]JND:K?:#KFBZQ8LT@AO-,UK3+^S9T=HITA2
MXB_=3)7XK?M&?%;P/X._:^^-MOXL_:9^$/[')L/BK\,I9/$W@+Q9+XF_:/\`
MB<NN_"GX-Z/H]]XK^'#^(O$'@K0=*TS4YYO#R:E\2OA=XXT\^!=*B\0R^#O"
M&CV*_$OQ)KCXX-8;!S4'5I<T(TOWLJ5HS44KMR2=UNIOR]>#A*?$TLZXBP<<
M4L%F,J5:OCW4R^CCVJ]&HI24:*I5ITI1D[JIAJ;E#1I*R9_1%IUJ+*RMK56W
MK!$D88``$*H&<=LXZ9)YY]K@]/3Z_P`S7A'P,'Q;MK3QGI'Q3OK37[/1?%<%
ME\./&T<6FV>J^._`L_@[PEJPU[Q/H^D+#IFC^(K+QAJ7B_PK=06%AI5GJ-EX
M<L-?M=*TV'64M(O=ST/&?Z__`*J]NC)3IPDHN*LK1ENE96UV?KJGN?F.-IRH
MXJO"=6%>:J2<JL.91FV[RDN:,6M6[II-/1I-62T445J<HUCA6/L<?7M^M?CO
M\<?CW^UW\#/VG-0M-2^`?C3X^?!CX@^._#NE_"Y/!-O\)(+#P5X5T?X*>*-;
M\3B34_$?BWPAXBMOB'KOQ,TV\-_/XXNHOAS'\/K;0[#PMK\?CS5Y_#FI_L2P
M/!&,@C&>F"1G],U\+?MU_!_QO\7O!7@*R\*^'KCQ_H/ACXCV7B?XD_"6T\83
M>!+GXN>![7PEXQTI?!(\1)<V5DT5MXQUCP?XSN=!U[4-.\.>*K;PA-X9UV]@
MT[5YRWFYE3J5,-)T9SC.G)2CR>]S?#=-.,[JUU:SUZ/9_7\$XW`X3.J=/,\-
MAL3@L7"6'K2Q,I4W14EI4I585</[.HG9)RK4XN[4IQ6JZ7]DGX\^,_CI9_%>
MX\9?!3Q+\#CX'^)<7@S0O#?C"30KC7M8T0_#CX=>+SXBN;GPKK'B/PK/#<:S
MXOUG2;1_#GB/7+$6^C)%>7=MK<6K:5I_P)_P5B\>>%O`7C?]F:%[/6O"GBOQ
M5XJN_#$'QGT#Q[:_#V\\"^!O%WC_`.#?@+QWH]F^H^'O$NA>,M5UEO&'AOQE
M'X+U[2TL'T3X9>(O&B:IIU]X(LVF^V/V%OA5\2OA=X'\=V_CWPK;_#;1/$GQ
M'O?$/PQ^$5OXMD\;CX3?#T^$O!VBVWA"77A&;`7%_P"*]%\5^.9M%T*[U/P[
MX9?QC_PCF@ZG=Z;I=NX^+O\`@K3XV7P7XI_9YN9?'?P9T#3=4N/'^B^(?"7Q
MD^&7Q0^,^F^)]+U+_A"H](U31/AEX`UFRTS5]0T/QRO@[0DUO7[*WU/1[GQM
M8V/AGQ3IJZ]KGA+Q]Y>83E_8CG7ER23AS3J12M><-;25.W:]H-);(^ZX,IX:
M?BI1H910GB<-*>*CA\-A*M6HZML+*T>:E+%.HU)7:YJ\&URMU(ZO[$_X)PZA
MX`O/V3O!US\.+:]A\&IXG^+=EI>MZGK6I>(;GQVVF_%_QWINH?%9]<UF6XU#
M4(_B[JEK>_%"":YO+TBW\7111WU]!'%=S?DU^UE?ZUK_`.T1^U-H+>./B+X8
M^!UOX@\&-\;/B-\)O@3\'9-.^%$=Q\)?AY+J6L>,?B-XKU9?B3XG\8Z!X3M]
M%\6S>-?`O@SQ;-\*?!EYX*F^W6LGAS9I'ZE_L2ZAXE_:!_8ML[?XB>+(;Z^\
M:-\8_"O_``E/PT\.^+?@Q%9^#7^(?CKPSX-D\#:-JMGH?C3P-)HG@2+0+7P]
M>S-/K-G)8VNL6WB3Q%,T'B;4OC75_P!E'_@G?\*_'6G?"'XO?'WXK^*?'VK6
M_A&+QGH?Q,_:>^,FLO\`$%+\P:%HLOQ>T"+QE:^"+JR\>3V4NE_V/K^AZ5X9
M\2":[T+1]&.GE=-BRQE.>(P.6QINDJ*5*?M75="[48)12BY.5]^7F=TK.[:M
MV\.YC0R3BWC3$8N&+GF<O[0PT,%2RZ&9SI\U6]6M.5:,%2G2Y>53=%.$WS.-
ME9_N'HL:+I%A'')YB+;0@/M*YPBGIG_/0]ZUJIV,<$5K!':G-NL2+'_NA0`<
MGDDC&?Q).>ML9R<].,?UKZBFK4X+;W5MJMEMJ]/ZL?A^(GSUZT_>]^K.7OI*
M?O2;]Y)*S[KHQ:***LQ&$MQQMY]0<X[8[_AS^-?!7[=/Q7USX4:;\$+WPOXC
M^)6D^)/$7Q@N/#WA[P[\,_!&E>/KOX@:P/@Y\7O$%KX,\4Z+J^I:1';^$;D>
M'Y=;O]8@U72AI>JZ#HMWJNO>%O#D>L^*M#^]B"<8_/@X].#_`$K\H_\`@K)J
M6LZ+\'?AOK5I<:Q_PC6F_&3PRGC[2='^.LG[.O\`;WA76M"\5^%S9ZI\2[35
M]"U.STC2O$6O>'_%MWI&E:C'=ZQ)X:M[66*:P%Y$WFYI4='`XBJI37)#FO%N
M[5X[<GO*WE%WN]'H?7<"8".9\5Y1@)QI36*Q'LN6O[+V3YHNRFJO+2:;6TY1
M3>\X[KUWX&_M&?'TW/PW\,?M'_!_1/"&L_%#Q%K/A;PGK/@;Q6OBKRM7TOP9
MXK^(4-M\1O#EM!?:=\.[Z^\+^#M>*1Z!\0?BMX<BUFVM=)/C&6?5]*^T_"_[
M6NM_&3XO?&.S\.^./V+-"GO?#>N?%?X9?!CQ!=_MB0_#36?BUX2\1^&M.U[Q
M!>^'/#>C>%XM0U1)-%\.^'_'3:6);_6_`/C#X?V_B#3;RUO/!\&O2>P_\$AQ
MI%WX-_:/U71;:"'2=6_:'-[9B/X\Q_M'O_H_P(^!6D2//\3)M3UC6KB=VTPL
M-%\1:A-JFC0&"VMO*T+^Q(4R_P#@IKXT'@#XP_LL>(/!?B76O"GQLU*]\4?#
MWPCKT/@;P[X]\(Z#\/\`XK?$7X"_#CQUXA\8Z/KWB3P==PV]AXX\1_!FQL+S
MPCXBC\61_P!J7L:Z5JOA>7Q5'!XN(D\3DL*]6K5Y&XN4>6BY3BY0BHOVU-)Z
MVWC%O5,_3<FPM+)_%'$Y1@<NR_ZY26(I4:[K9A2P^'K0HNK*M3>5XV55+EO"
M2I5JL++W+W1]1_\`!.*PU'1?V5?#=MK?A=O!^IQ>,OC--?Z0WQ`_X6K<275Q
M\9OB#<7&MWGCY7=/$6H^)997\1ZC-#%86]I>ZK<:=;Z/HD%E%H]C^/?[0OQJ
M^%GC[XC_`+8'@_P5XV^-N@>&OBKXVL_"GQW^'5A^Q)\;/&?Q,^)5S:_!OX9^
M"=:T;X1>/ET>RT7X<_\`"1^![&P\&:?I_P`3/"5Y=IXCBU/QGX?O=$\-^*O#
MOBRY_9C_`()ZP^'+7]F?1K?P[XDUKQEY'Q%^/$'BSQ;X@721>>)_B9%\>/B3
M'\6_$5J-$L[#2&T'6_BBGB_4O#!LK"PB;PU=:06LK24O;Q?/7QC_`."A/AO]
MG_XH?M"^#/%OP+^*GC&?X7:/H7CSP_J?PR^$GBSQ!I>O>%]7\#KJ,=MK/BF&
MSGT>UUN'Q9X=\76%WK<GV#PGIVAC18)]1?5=$\71Z;O7IQ>7Y?&=>%&E:&LH
MR;;Y8J,5*E.*BVKIK6-]+6NCR<IQ.)AQ?Q?6H936S3%N>*FZ5#$4Z5.E%8B/
M/5E'&X;$SJ03Y;7E"JE9J<9--?JMHJ[-+LDR3MMXQD@CHH'?GWYP>>16I5+3
M[I+RSM[E5$:S1+(%R.,@$CH.!D?R/(YNY&2/3K^-?10LH02=TH1MZ6T9^/XC
MF=>LYKEFZLW*-T[2YG=72UL]+^2\[E%%%69"'_\`7],'\>N.G-?'?[7/[,WP
M[_:HT#P3X7\=>(#I=GX(\<Q>,TL5@T'4+'Q!;77A/Q;\/_$WA;7]-UZPU&VG
MT3Q/X'\=^*M#N+BTCL]:TF?4+;6]#U33]7TVRN8_L1LCD=@>#WXX_6OYT/V]
M?A5J>A_'KXP?&?QS^S3X5U'X6G2/AXH^,7Q!_;Q\>_`3P=JEVEA/HTL<7@[P
MQX=OK7PWKMI>)I^@:E)?WILO$-G%X2N]&>;5[O7K*T\K-ZZHX62G0]O2G)0J
M1;JI*.[E)TJ=222LD[1:UWT=OOO#C*IYIQ'2C0S9Y1B\-3>(PF(A'!SJSK*<
M8*E2AC<7@Z,IR4KI.M=V=HGZR?L>?L_67[//A7QWX8M?BM?_`!6OM=\=3>)=
M1U2_T[PKH[Z)=R^$_"6B6VC)I'@_3]*TBRFN-*T/3?$VL3_8(+K7O$GB+6O%
M$T4(UQ+>+\??^"COA3XYWWQ"TO2_VHOB7^S#X8^`^J>,/'^N?![X@^+/@SX]
MU:T\`0>'%\%ZCX*\/>+_`!_;?%KP/;^&?B3XKFU77XM.M[`VNAZSI_PVN-6@
MU677-2L/!]A]]_\`!+KX?:S\._"G[0.G:O\`#+0/A.VH?'=M3M?#&@?&+6_C
MA$8H_@U\&]'N+[4/&GBAK?Q,FIR:CI%[:R:-KNB^'KG3[2TLC9:9=:-<:7KV
ML^Z?M7_M)^)/@UK_`(`\$>"OV?O%WQY\4^/]-\8:Q;Z?H&M_#WPMH^C:;X,?
MPO#J(UCQ#\1_%?A72!JFHR>+;&70]!L9KW5M5L=+\2:E#;)9:!J$T7E8K"X7
M%9)"%3GP]!<ON0]M.-N9<L)QBJ=2:O:T>5.^MN_V>39QG7#GBCB:V!=#/<T5
M2=\77678:LY1H*4\12KS>)P6%G&#?/.,ZE-Q4ES23N?.?[#?Q+UKX0_\$Q]"
M^),_A>3QQ<?"_P"'GQ2U71M"\#^`C\.3\3-*^'FN>-$\,W_@OP1;V@:Q3XH:
M3H6FZYX:FCTFQD\0)XDLM<_X1_2)=5.BVGX<_'_]H7P;\3/CI\9/CGH?[1G[
M.OAN/QI\'=:^%WC:XU+XWZUXB\4?""V\5^`_V??$/B*W_9WT'0=*6#XM#X?:
MIX&\3^(?AQXB\+MX#U+Q%\9O&^O6FJ6>G77@FVAU'^CCX9>(?%?[:W['7CVQ
M\1:+JG[/WBOXA1_'_P"$5S9^'];T_6_$/PXN_#WCGXA?"2SUFQUW0KV32KCQ
M/I46A6VN_:=$U.XTV'7%9-+U.XLXK>]D_$;Q]X)^.OPALOVA?V:[CXF_L.Z1
MXF\<V5EHW@WPAJ_P\U)[S4M(UGX,^!?A=X,;4KCQ#XXUZQT%]?UCPU=>&O#T
M_P`;CX\FUC5-."RWNO>%?[+\,Z;P9E3K?5LKITZDOJ<(T_?</>=2'*H-J33B
MY*\6I:]%KM]?P'C,MEG?'.-QV#2XBQ-?&J>$AB$Z4,'B)QGB&Y4Z4Z5;V-5*
M:E3C&.FK46?U+^'F!T33GW9!M83G!'!12..O?OSS6WD9`]>GX5D:"C1Z1IZN
MP=Q:Q!F``R0@STXZYZ<<\5KU]M3_`(=/_!'_`-)1_-&,:>+Q+6SKU;>GM)>2
MOY:+T5PHHHJSF$;&#NZ8.>O3\.:_)+_@KUX)^&WCSX#^$_#7Q"\97_P_FU?Q
MGXIT[PGXPM]$T#Q%I/A[4+_X#_&FS\9:]XHT;Q%K?AZVOM`T#X/S_$[79$TO
M5[?Q-;ZIINF7?A>#4=>M['3;S];6R0=IP?IG^=?G[^V;^T]\(?@UJ_PP\`?&
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M_P`%FM+\'S^*?V4M:^(/PB\)^.O`VA_$%V\4>,_%OA'Q7XRM_"VB>(?&_P`*
M/!OB?PO:V'AR]M;#29O$?@'Q)XU\>IKWB^TUOPW9W?P?LK2'1)_%.H>&-0TS
M]-OV2?BGX(^+?A;QMXF\"?"7Q1\*-%_X6+KT$J^+/ASKOPPOO'NH7-AHFLWG
MC^#P_P"*/#_A?Q'>1ZM)JPTS4]9UC18+F[\1Z'KEM#=ZO86-EK%_^;/_``6.
MUG7-"\0_LO\`B#P]XFEU#4_#WCQ/$5C\&K'4?BG%J7CZ\\'^/OA)X_NO$L&B
M?"?P9\0M6\267A;PMX.\5>`]2L_$?A*Y\+:1!\8U\33ZA#KFBZ#H^O>'F$(4
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MPV<FCZ,;<Z79_C'^WO<_M+^'/C3^UUK?P=U[]K?P1X,U>R\`Z3XFU_P5!^SS
MX"^$VDW\?P[\/VWC'XL:=XL\:ZY;_$WQ+9^&_`>LZ#;ZMXB\*V/@K4K#7?AU
MJOA6]^+>DZ1H&BZE\-=<17I8?*L!.K1E6@U12C2O%Q3A%J22?PV^*/:Z>^GG
MY-E>9YOQYQ9A\#F6'RW$PJ9C4J5,=&%>%14ZZ<J<I5(./M;I.%2T;U$N7ENK
M?TV:?;"UM+>WW^888DCW_P![:`,_B1G\?3BKO.1Q]3Z5B^'I9IM&TZ2X),KV
MD+2,3U;RUW'(]3DY!K:&>YS[]*^DIV<(-*R<(V6]DTM+]?U/Q[$QE#$UXSDI
MSC6J1E):*4E)IR2LM&U?;2X44459@(3@$]<5^;__``4BTB\N_AIX$UNXN;JX
M\!>%?B7IGB'XK>#]+^(>B?"K6_B/X(MO"WB^UMO!ND^-O$'B/P9I-@Y\<WO@
MGQ/JNFZCXQ\+V/B/P]X9UGPY>:H]MJDMA??I`0#UKX%_;[_9L\<?M(^"/AII
M/PZN/A/;^)_`OQ>\,^.(G^,WA/4/'7@V'1SHWB;P;XHNXO"=EJ&GVVM^(K7P
MKXPUJX\/6.KRQZ;<:BD<"ZEX9U)]/\7>'_/S.G*K@J\(P<YN*Y8IIN336B4_
M=>VJ:::\V?4\$XFEA.)LKQ&(Q,<)2IUTZF)E[6,:46FN:4J+]M#>W/3?/!OF
M6J///^"9/BD^*_A[\8)].U*SMO"MI\9=0M/`_P`/H?B-I_Q9U#X1^')?AU\-
M[^/P/KOCO2=6\2:/J6JWVL7^K_$4Z1HWBWQ9HWA'3_'NG>#=+UV6Q\/PV-A@
M?$;]AKXT^+?BSK_Q=\0_MR?$G0C8ZGXSB^&NG:/\-/V?K2/X<?#OQK)X7U+6
M_`1U3Q)\,/$U]XFL!K/A;3KO^U-6FAFFL-'\,QW]M=:SHEQXAU;V/]A']F?X
MB?LTZ/\`&;2OB#JWPNU>?Q[\6T\<^'I_A)X!;X9>&HM!_P"%4_"OP8(+SP5]
MMUI=%UH:WX,UR2Y\KQ-XICU&RDT_5CJME+?2^'="^1O^"LE]\/K?Q/\``VT\
M8K\4]?NM4T/XE:/=^`_AOX/\,>)X]>^&_B#Q7\%/#7Q`GUJ_\4ZWX<L_"$-_
M=Z[X,^&FI^)+;4YIT\`?%'XB:7<:?%IVI7OB;POY%2"IY+3GBZ,W*@T_9>V]
MBKN44N9PDHVCI[JNDD[(_0,NQE?'^).-P_#V8X>$,UJ3IQS#ZBLQDZ:I1G-T
MHXJE4K.52SBZD_WDKWG+5M_I?^S)\*?"_P`&?@WX=\%^$O%=_P".=.>[\4>+
MKSQKJM[IU_J/C'Q'\0_%6M_$/Q=XMNKC1[:QT8R^*/%7BC6M=$&B6%AHEI'J
M"VFD6-IIL%K;Q_@=^V7HGPHA_:3_`&J?B3XX\(_!?5X?AQK?P\GU'X2_%B;Q
MWXG^)7[2^HS?"OP!>:-H/PGTF#QOH7AGP?H?B*5]/^&GA%(/AU\5;3Q=\4M(
M\:1ZS8VZVMQ:K^OO_!-F/3(_V4?"JZ/H>H^&+)O&GQGN&\-:I8:/H]WH%_=?
M&GX@W6KZ/_PC^@^)/%VE>%;33M6FO;73O"-OXAOI?"5A#:^&[W[)>:5<V-M\
MH>-]*_:'\2_M<_%^7X'>`_$?B2Z\)_$WP;'J7BG]H7_A#9_@+X1L[OX3?!^\
MUJU^!\^F:5)\:;>[O=!FFGN-(T>^C\!V_P`2[GQ=J^L3I<ZQ<P27C(4L3@,`
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M\7;BZTO6=-^,.N_!33/AUJ$OP?\`BYI]AXW\7^,-`T[5KF3PF+N_@\):AH]S
MIVHVE_>>*].E&C^)+VVL_#&L_H;D;B,\G''/''Y<U^3?_!6?P7\._'7PO^#^
MA_$#2/%_BV*;XU6O]@_#[P;X#L?B'?\`C[47^%OQ4M];T&?2-4UCP_IVE&U\
M"3^,O$FA^+[G6K/_`(0[QAH'AGQ'!'J-UIT&DZAYV:RG'`8B5._/&%XZQC=W
M6G,UHWTTWM;6Q]=P)0P^)XLR>AB],/4Q'+5O2J5ERN#]Z5.FXRDEU7,KK=VN
MCNOV;?'7[2FG7G@G2_&GQ*^'_P"TEH>M^,]8\(^/]:\`Z'9:-J_P0N$\!>(/
MB+I,_BOQ!I>M?V%XTL/*LO"?@O;:_#WX=ZU<W_CKPYXIDT^+3;F33HOAG_@H
M+^TW\'/B]\3?#'PZ\&^(_A.]_P##.]^,G@7XD^+OB=^SI\6OC#>>!?%=UI6A
M^&;_`,`:)I7A^7PA96UCXV\+ZGXNA\6ZO<:]?:/>:78^&[2&PU*/Q)I=]%]!
M?\$=]&N?#OPT^//ARY\(7G@@:)\>I[&'PY>_"?PM\&&MX7^#GP:O(;V/P3X1
MUWQ/H\3ZI'=K?ZCK$.O7RZSK=QJEY9VVAZ6=/\.Z/](_M9_M/>`OV6=8\.6$
M_@#2_$OBSXI6/BK4_#^D17$.BZIXV\8:#<>`/!WAWPKIEU+HMUI^K>*/%&M>
M,_".@6EM>:E;ZG;Z#:7^L6ECJNC^%]633O&J1GB\FIRG76'IU4G5=93KN*;C
M>*Y9PFVWI>+TOIT9^DX.MA>'_%'$T\'E=3.<3@:E2&6PR^KALHA6G*GS>VJ0
MJX6O1C&%*>D)02;2]HY7:?)_\$G'MW_8P\("SU3P_K=C;_$+]H*RL=6\+>$]
M0\#Z#?V.G?M!?%&PLKFQ\*:O&FLZ,TEK;Q->6^M3ZGKDM^;JXUO7-?U::\UO
M4/D#]HW_`(*H_$+]GGXV_M3?#G4_!7PLU'1_AE:>(V^&M]/XZN=)\<&^TG]E
MGP_\:M&NO&GP^FL7EU'P#K_Q!DU/X>V?C_1?$FEF;Q'KOAOP3:^')M8M+W6+
MS]5/V4OBG;_&'X+Z/X]3P+:?#>?4=<\=Z?J7AC3M1M-9TA-:\.>//$OAG7-:
MT'7[/3M'@\1^'/%.LZ/?>*?#?B<Z3IDWB;0M:T_7KK3K&YU":VC_``8_X*$^
M*/CY??&3]K71M'\1?M6:5:^'?`NCS_#8?!'X+_"K4/"K>'M4^&L5S:)/X^UC
M0Q\3M3UFS^)6G^-+Z_NO"?BG3=0\-VTFGIX<GTS6K<7KF/JU,'E>`^IU6YIT
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MDE+EO962T04445T+9:WTW[^9Y8ASV_\`U>_OCTK\R?\`@IY\*OB5\5/A;\-=
M.^'WPT\3_%^+2/C1X/U/QA\/_"OQ8U+X,7FM^&IM/\1:%!>7_C70XSKUOI/A
M/Q1K7AGQO=6FC7-E=-+X9M[Z>X?3[&]L[O\`3?G)Y^@]*^(?VU_BW\6?A7H/
MPU/P=\/R>+/%7BWXA7'A^/PQ::WX+T34M?CLOAK\1?%]KI-C-X[FLM'N8;O6
M?"NDIKZV^KZ-JVE^$_\`A(/$>G7T\VAG2M2X,SC2J8*O"MS\DHI2=-)S2<E:
MRDFF[Z6:UZJU[?5<$5\;A>*,JQ&7K#2Q=&OSTHXN=6GATXQ;;JU*$H5814;R
M<H24E9--'BG_``3&^#7CGX.>&_V@['QQ\)O$7P<D\2_'5/$>B^&_$OQ7U7XV
MW%WHZ_!3X+^'1K%C\1=?+>(-:TZYU7P]JMJD.LS3W>DW=C>:1;R1:;8V-M;^
M1_\`!4+Q#\8CJ/[._C+X)>)+O7/"/@WXGQ:MXX\%>!/B+X"\'>(/%]_X'^*7
MPW_MO3[V_P#%>N>';?7_``MHOA#1/C#X!\9^";+Q-92W'C#Q=X4@\1Z;=:3I
M6L?V=]G_`+&-U^T*?"'CK3OVC/%$'C+Q!H_CN?3_``SXE30]`\/W.L>&D\(^
M$+G4;N;3?#$4&E+IB>/KGQS:^#)EMXM5F^'T'A%O$WG>*O[;N9ORW_X*'^*?
M"J_%;X3Z]K4/[#>M?`;26^/$/A2#X_:ZG@Z6/XT6'C31_"WQ,CM8F\*>*$UF
M^TO78?'*^(FL+6.QU3Q%J\M[XJL8_$'AGPKKFL^-BE&CD<:5&56G"T(QE)0C
M.#4X-2DHQY$EUC:W16W/TOANIB,Q\5JF-Q]/`XRNIUJF(HTIXFMAL4OJMI4Z
M%2M-8F<YQ:<)3J.::<KR::?Z)_L6"Y^*O[&PL_B==V&I1>,;_P".&EZ]I_AC
MQR^H+X8\-ZQ\3?B!86WPX3XC>#[S3+FYU[X9>&Y[;X<:QXNT358M2_X2'PQJ
M&IVVNW.H*NK2_D%^UE\(?C%\9/&G[66N_$7]G#XRZ-I.H6J>#]#\01?MF:?\
M-_@CHGA'0_A[IBZO\1;O1=0^(>DZ-_9NJ2:KJLOB#5]6\`>(_"=MHGAO1VUG
MX=OXJMOB)I>O_K%_P3L\/_#+Q[^P_H/AF"T^$?C/X;>+M0^-^BZQH_P[T"^C
M^#FM:;KGQ7^(MAXM\.:/HOB/2M,BUCPW)<7.K:)J5S%H.F^%/%+I?ZIX:T33
M_"NJ:7I\'Y9?MO>#_P!E.^^.7[:ES\9_@)X#\1_&_7O#/@#PU^SMX9N?#?Q'
MU'XB?M!ZG9?#&VFCUK0=1T._AMHA>>)-?A^$R:QX`@LO$/@2/X>R^)_'6JWV
MBQ>%[/2,L?2Y\MR_GJ)0BJ;DW.G3C*7+'ENY4I^]>W*HJ.KLFGJNWA'&RP?&
M_%]/"82K*K-XU4X4<-B\34P]+V\%)1IT<?@Y>S2LZTZLJJC"/-.G47-&7]+/
MA]/)T?3H3PR6L*E<YVD1J",\YQC&>?>MK'.?8C\\?X5D:"$&CZ>$&%%K$`"2
M2!L&!DY)XP<DG.36OD9`]>GX5]53_AP_P1]?A7WOY>5C\&QCOB\2V[OV]6^E
MM7-WNKNWWOU?4HHHK0YANX9(S@@@'\>1VZ$?ES]:_&'_`(+;^*--\,_LNZ-J
M-[I&L:BVF?$K1/$EIJ6F?$7Q1\,=.T'4?`GA[Q7\1-._X27Q+X0BDU9M.\87
MGA&'X9:'I$=QH]UJOCSQSX0M]!\1^&?%7_"/^(--_9\YQZ'WYQ_GU_2OQ;_;
MX^!OQK;QE-\4?#?QT^.>J?#'7/$/A2P\=?!KX:VGP[U.]\%^#K+POXEL->\1
M^#-`\3>%->OO%UQJWBB#P#/K7AN**ZU.TT:;QQJNA6NLZK=:3I5CXV>N<LMK
MPI1YY5(\NG*U%W33:;5XK[5M;:H_1/"R.#_UTRBOCL3]6H8:O&L[*KS5;:>S
MA*G":A.2;Y'.T7)*+T9Z?_P2XA^%*>'?VC[CX,:QXF\5^`[_`/:'N9=.\=>(
M/&_B+XB6'C2XLO@O\%-$U'4?"GBWQ9=ZSXAU;0="O=+G\"75S?\`BKQ=!-XI
M\(>)9]&U32O#\VD^#_#/FO\`P5!^-DGP&^)?[,7C*#6O@'8O'<?%B!K#X]>,
M+CPOIMO#-X9T>VD\6^#H++0-:OY/%.C37%OX3GUO3DFOM,\.?$#7-`;2KK3?
M&.I:QX?]/_X)4Z!XU\.?"?XE:;XHOOBI?Z"?C+XGO_AS-\:Y-`@^)0\$:GH/
MA35%&N^&_#]GIT/@BSD\67GBNX\->$KW3=*OK#PO+H]Z=$T.SU&TT;3\_P#;
MEL/B1XK_`&FOV8OA_P##;XKZY\(K[Q+X!_:%O-:\1^&_A[\%_%&J0^'-`G^#
M-Q=R3>(OBWX?\2WVDZ2=;N_#FF77A3P5I-S?^*=0U72?$.LK%I7P_:ZMO/2J
M/(*2BN2LXT^6,8J2C/GAHHSG!.*::M*:T=[GV-.6"H^,&/E6FL9E\*V+E.>)
MK5*4JU#ZK\56KA\+6G&I*+NU3PT[2NE%JS>Q^QS\2-3^-'_!/?4OB%I_A_P_
M)?\`CRS_`&A=;T[1/V;]4N/!":F=<^(?Q*N--;P+XCEA\,:GH'Q$UF*XM[K5
MO$^KVWAWQ';_`!+O-7U[Q#:Z+KXU""U_*3]IO4OVF/C<_P`3OB'+^SM^WIX2
MB^)?PS$OACX7Z'\?_@WX.M]'GL/!UY%<MI/@"Q\:ZUX\M-4UZT?2F\1^$3X-
MUKQ!!K%O?K!X7FUK5+O2IOW`_P"">S:$_P"S)H,.@>+M?\?6FG>.OC5H6I^+
M_$EUH=[<^(?$WA[XT_$+0?&.I:1/X;TS1?#H\&2>+=.UH?#^VT31=&TNR\#+
MX=LK+1]+@MDL+?\`)K]O+P[X3\,_&GXX:KX@A^#+ZO\`%/7O`N@^%?VB/B'<
M^.9/B'^R9]@^&^C/,_PU\/:1\-?$44]MX&3P_P"(OCYIWBO0?B!X#T?P_P")
MO$6JZE\1=0T'1?#T6MWV>84ZCR[`2JXB=-+V2G%*'+.=EJ[PJ6O=KW6HIZW5
MD=W!V.PL.-.+:&"R:EBI3>85,)4F\3*IA\/S*\8<M?"I\BY9N52,IR4>2--R
MGRG]&'A]631M/1QM=;6$,N0=OR#`R.#]>_3M6S63H9!TJPVG>OV:(A^F?D7L
M>>>N:U@<U]32TITU>_N1U;3;T79)/U7ZGX)BVWB\2WHW7JNUFK7F[Z/;6^C;
M?F%%%%:'.%?BY_P4`_9D^#\7CSPY\15\!:[XY^+?[17C_P`)_";2DUSXY_%'
MX:_##PSJ.B>!_''B:;Q;K5OX)UF!H6F\)>";C1ET^PL9KCQ3XDMO!VA6K:/<
MZMJ.M-^T1``(QP`>*_$G_@I/^T)_PF=U>_LK>'_"GQ6F>#Q#X2E^+%_HW[,-
MW\;])U'X>>)/#GB#4M)E\(VOB7PIXG^'&N7D?B[3](DU1M9TW4Q9Z5X8\;VF
MEV%QXFL--B/D9S['ZE-U8*HE\$'",[SNDHJ,[0N]DY:+U/T#PSCFDN*L%'+,
M3/!W;>+Q,*U6@J.&BKRJ5)4/WTHPDHR<*:<I)*.SU]S_`."8WAWP#X-\*?'[
MPEX,\-P:#JGAKX^:AHOQ`ETGX@^)?B7X0UGQO8_"OX2QW.I^#O$_B]Y_$PTZ
MV\.GPYH6OZ%K<]U=^&/'VC>,/#D-[>6.E6EU-X!_P6+T_P`3ZA#^SN9_AM#X
M]^#]A\2=%U7XGW-G\'Y?C)XDT^SB\??#/3-0T;3]+L-,U[6O".C:[\)=9^,N
MHZWXST;09]36Z\+:#X0T_4M,U'Q?91W_`*9_P2-LM2T;X>?'7PM/J'Q$N=!\
M(_'0:!X/T_XD?"?2?@AJ>@Z!_P`*5^"VM/I6B_#'0/#_`(1T'PUX<?7-8UK5
M;$:1X2\.V^K7NIZEKEQ9WNH:G>ZYJWT1^V%^R7/^TUJ?@1G^**^!?#^BZ=XL
M\+^-/#T_AN'7?^$O\&^.KGPE)XDLM#U`ZWHL_@_Q5<Z1X7N_!]MXJ$/B&VMO
M"/C;QQIC>'9M1U/2M8T3SG1EB<AC2I4_9U)1CR4^:$%'EG%J]KQTM=I-)V>M
MCZF.983)?%JMF&8XSZSA:.(J.OC%#$8F5>-3#<KJ04X^WYY.5XN<.:G+5JZL
M;'[`MWKDW[+O@6Y\0>!H_AM"MQXS_P"$4\$+X;TSP==>'OAC%XZ\3)\)+36?
M"FBA-+\.>)&^%J^#[GQ1HUE!916'B*XU2W&F::T1L+?XQ^*?B7_@E7XS\:?'
M;XB^,_B]X*7Q#()_!OQ<N(_B;K?]D32ZEX+^&G]OW6D>%3JT_AO79M?^'>B?
M#SP?XK\2>#]$U9=2\/:)?>`-2OVFM/&.BG]%OV6_@7;?LZ_!C1/A3;ZWI>NV
M^C:IXRU.*?0=!F\+^';&+Q;XU\0^,8O#_ACPQ/KGB1O#GA;PS'KZ^'/#&A)K
ME_;Z1H.EZ=I]J\5M;PV\7XE_M2Z5<^`?VAOVB/%6BZ'#H/CK3_$_AK7O@3\)
M/#_[-WA/QEHG[3?BC4OAYX+G_P"$E^(WQ)U3P)XBU.T34?B$=1^'>O7/A[QK
M\-;SX?>'/!4?CCQ'?26NL66IS:8R=3"X'`JK"E-_NX5%5LU&7*O>BVX1>J=E
M>[NDEKKAPUAL/GO%G$]3`8[,L-SQQ>*P53`NM3J5Z/M4_9UH0HUJJ@XR3FY1
M4().4W&*N?T;:>L`LK9;?_4"&,1COMVJ5/!.#C!Z^GN3=K+T64RZ58R$<M;1
M$@8Z[`<<<=^W%:F1D#UZ?A7T-/\`AP?]R.G39'Y'B$XUZT9-N4:M2+<GS-M2
M>K?5O?YA1115F(W.2!CKP1SQD9'&.<X_#GGU_,K_`(*%?8]3G_9]\*:+X9\`
M^(O'.N?&+4(-!O/&/Q3\2?"B;P.\OP.^-XN?'NA:IX(OK7Q?J^MZ?I\.IZ3;
M:#HT,T]]9ZIJES'>>&VTUO&7AK]-B,C&>""#[Y&/TK\9O^"GGP=M?%=I\.?$
MWBG0?V7/$VO77QY\-^%?A[X@_:&^&.KZWX.\!>`/$OP_N['Q!HGBG4+/Q_HI
MUOQ%JWBZRUS4/!SW)T_POK&NZQX!\!R>%;;Q3!9?$NV\O-G)8*JXPC)JS?-M
M92BOY9;IV>FC^\^T\/HT9\49>J]:M04G44944W4<W"7*N53I\T4[-Q<ES)6=
M[V/9OV8HOC_X:O\`P7I%O\;M!_::\,)X^\2>"_C=/_PCNC>#[[X,F#P)KOC'
MP_<:%/\`V]<>(=8TRTU4>!/"1T'Q8WCOQKXAT7XAZ)\16\91Z)I5Z^L?._\`
MP5[\.ZU>W7P"\>:#XO\`#T%_\&_$5S\7S\/?%^N^/?#WA[6+7X8>//A#\1;_
M`,="]\$>&?&:2:]X8TWPA??#K1K3Q!X:N[21/C1J$NBS2>*K?0=$UWWW_@F3
MX.N_`/@CXT^$9=5_9RU"TTCXT2C3+#]F/P58_#_P+H-G??"CX3ZF=-UOPY:W
M6KW5OXRN;R\O-;U*XU?Q+XJU"ZT;5]`EBU>TTO\`LWP_HGSK_P`%=O'7AWX=
M>+_V5_%/C'P+X:OO"&F_$+36\7?$SQ;/XZBT?PSX:NOBY\"M,UOP1)'X2UC0
M=%N9?$>F7UY\5;>#XBW.N>"!<_`:"ZN/!VN:[::%?Z%Y6*<8Y%*;FJ::@W*<
MYR5.\H)M3O)\JT>M]59K2Q]_D$)5?%G#X:-!8QTZN(BH4,+1I5,6GAY3Y)T(
MPI4^>I%\KY8QDULW)7/MS_@G)=W-]^RGX+U&_P#%=IXMU75?$7Q2US6[G3M)
M\4:!I7AWQ'KWQ7\<:UXB^'&D:#XWM-.\6:#I/PJUR_U#X9:7H?B#2]'U31[#
MPE;Z==:-H[VQTVU_*+]O3]F;]I#XM?%+]KA=-^!'QL^*WA[7_!6FS?"O7-#_
M`&I_$GPZ\(65GJ_PLB\+ZGX1\.?";3=37PIK]QI_BWP[K'B/6M/\3Z1=OXFN
M_%L-A?Q7.CW-FC?K7_P3VUG3->_9@\+:OHOAB^\+:)?^*_BU=Z#;ZK-XKFU3
M7O#,_P`6_'4OACQ_J<GCB^U+Q8VI?$[P\VF?$;4!K=]<W2WGBJ8))]G\E5_.
M']IO]KS]LGP!^UO\7OA]\.].\7^(O#/_``KC7_"_P+\*>!OA%%XR\,2_&6_T
MKX#ZW\.=>^*/Q'BL=4M/#`NM9\3_`!9T_P`;>'/$.N^![+PY\*-!T3Q>T3ZI
MXP\&ZY,\='#U,KR]8BI54'*CRSHJ,^>?+&SDZB?NMZWLY=FM&HX8JYQA..N+
MYY)@\%'$TJ69J>'S*I7H>QP\:T54A3>$G3E&K"*MRN2ARW4TU=/]Y=`ADMM(
MT^&5?+DBM8D="<E650"#@GH?7U[<YV*S]+EEETZTEN#^]>"-I/\`>*C/Z]NU
M:%?2TDE3II;*$;7WV6Y^+8IREB:\IV4Y5JCDHMN/,YR;Y;ZVN]&]6K7"BBBK
M,!@`(X.5/;']>O7FOR:_X*V)X2OOA-\)=`\:>(O`7AO1M=^.&A1"Y\=_`7XB
M?M'O<:AH7@GXA>,M+M_"/PR^&:)KFH>)CJ'AFWGN[S4M1TKP[;^"8/&$&JW&
MH"[@T#6?UGR>.._(ST'K[U^97_!3;QG!\+OAS\*_B[J?BO2="\._"KXT>&_&
M_B3PSJWQ!U/X91_$[3+#PWXPT^U\$6_B31XY[R[F@\0ZGH?CN3PE<6EYHOCB
MS\$7?A#Q)`GAW6M5N8/,S:SR_$*27)RKF<N>RBI1NVHN,WI?2+N^_0^S\/YU
M8<7Y+*@I.NL3^YC!T8SE5Y9>SC&6(IU:";E9<U:G.FEK-.*:/-O^"0GA=/"G
MPB^,Z67E:AIFI?'CQ+J^D>);/]GW6_V9M)\8V%YX+^'_`)6KZ/\`##Q#<?VG
M;:?I+1OX'_MF?2M$?4KKPE=)<0:[=6EQXS\4^`_MG^.OV@_CA\:M+^&,?P/^
M._AWPEX%NOBA;)HW@#]HWX<?!K6?C!ING3?#M]*^*WAR]LOB+X:\=:UX1\)1
M:UI>D7^G1"UT*QU7XE_8O$MQ'XDT#3M(NOT#_86U'XA:_IWQQ\2?$B;0M'UG
MQ#\:;_4+3X6:#XANO$D/P9T:+X=_#72[#P1J-[<V&EI!K.OG3Y_BYJ<&GZ=#
MH]S<?$]M7TBYUC3M3MM=U3R;]M7X0?L`Z?\`$KP?\5OVE?"U[J/Q'\3:7KG@
MSPSI?@_0/B5XM\8^-K2,^']5U:>/P'\)=-UKQ5XFD\,V>@Z2EQX@31KJ/P_I
M,\=GJ%[;VEQI\<?CSPDY9+0I4JRI0BUS.<U3C*#E%Q3E5I5I135M&G+HWJS]
M$P.?8;">)^:YAF.6?7\74<_8T\/AYXVI0Q/LH1;I4\!C,LI5':Z=2E.-)-N=
M-6LUWO\`P2ZTG5=#_9&\/:=K.C>)O#^H1?$O]H6>;2/&7C"W^(7BFTCO/V@O
MBC?6ZZYXXM+K4+?Q1?O;W$4DFMIJ6IF_$BSR:KJDKM?W/XP?M_>._$>G?M+_
M`+6NC>`/%'[36AVMUX4LM!\73^!?'OP#^'7PT\/^+O#?P3T3Q?K6M27GC6]C
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M^'A;B/ZKQOQ/F$>'\1FM/,*6/A+`24Z57"QK5(R5:K'VCG%T'%/EE5E_+*3W
M/U.\.EVT736D4AWM(3(#U#&-20<\GD_K6T,X&>O?_(JCIK1O96TD(Q$T"&-<
M8VJ5!5><$<$8!`XZ\U?KZ*EI3@M[0@K]_=6J/QW%2Y\3B)<O)S5JKY'O&\V^
M5^FP44459@(2!R:_)O\`X*Z:+\*/$'P%\-:7\6O$^K>!=)U'QAX@TS2O'6DW
MUI8R^&9]6^"_Q;TOQ6TIU7P]XD\/7G_"0_"^\^('@ZSTW6K6Q?4=4\1Z?9^&
M=8TKQS/X5NE_60Y[''X`U\:?M>_M*6O[.UE\)&G^$?BGXS2_%#XHCX?6WAKP
M6WA^3Q-9SV?PY^(OQ,CUS3--\4:CHFB:J;#_`(5R8[FVO/$&A&RM+NXUNWO;
MBYTJ'2-2X,RA3J8*O"K4]G"4;.HXWY4W%7LK/>VJU3UZ:?4\%XG%8+B;*L7@
ML*\;B</B%5IX6,XTW7<%?D<I7C9I>]&2:DKIJUT?/?\`P2O36S\-?C#=>,]/
M\<+\3M2^-%[?_%37?'6N:%KM_P")/&%Q\-/A>]I+83>%]`\+>'-*M_"?@E/!
MWPWU;POHV@6%GX0\7>"?$OA;SM:FTB7Q#J_F/[>GQ-N](_:1^%>E>'O"/[1&
M@^._#/PO^*TFB?%3X7_!^Z^+_ANY\*>*-=^$*^(O"%SX;M/#GBJVOSJNL:-H
M.JS:B7T#7O"6I>"=-@G%SX?\<0QZU[C\`OV\OAO\5/'^EZ#X-\&1:1X`^(GC
M'PYX1\#>-H[A[;4_&/C_`,6?LU:%^U='_:G@Y="M9="TJ?X1ZM))#XAU/6[C
M4)_$^@ZMH&I:-IG_`!)+W6.*_P""A7[;_C;]D'XA_!VWT+P;X`\9>$/%G@3X
MR>)O%.G^+?%TG@CQ+J>I_#_4_A''X?\`#GPSU!]+UO3_`!-XZU[3_&'BBWT7
MX=W&GVEWXKOK>RN;7Q)HEKH>IQZEY$OJT<G5/ZW*5*C*$)UX0E*;M*'O:6DI
M7LW*+OUZGWV$CG%?Q(J8K^P*,,PS*&(Q.&RJM7I4L/#FHV<+U%*ER**<8T:B
M2U46ET^COV`=#;0/V8O!EK)X<^)/A>\OM9^)'B'5[7XNVL=C\1M8\1>*?B9X
MP\2>)?&OB;3H]/T=-+N/B!X@U74O'=EI(T306TO2_$=CI[Z!H36QT>R_'G]J
M_P"(OC+P7^UE^U_H'@3X-?LK_$WQC+\']!^)=AK/Q,^(5EI'CK2/#^BZ!X4T
M_5]'\26&B>"O.LO`^A^*_#GPX\7W6F?$/Q[X#TAXM7LO$LWQ,B\.1O!\+/N[
MX`_MZ^+OB?K6MV.FZ%X6^(D_B#1/VMO%WPV\*_#^Y@T^_MM'_9D^.&E?!W0=
M&UC7M4\2ZEI.L:A\8K7Q)H'B;P[K@M/"NC:3)!K5M(-4T]K74+7\9OVF]2\=
M_%CQ[\:/V@O^&??VB_AYX9CT^V\-_M3>!$^)OP`\/6$7A#Q[\/\`X#ZW\3K#
MQ+/K%UK'Q&\*:AJOP*\!?"!?%FE^'7M19V&FVVG6LOA/5]8\?:LW#FF,I1P.
M`C1=:HHUJ:YH493<H*.LI/D<8Z6DVW=1YGT9]9X?\,X^OQ7Q76S2GEN"]IEV
M+FZ>+S"GAHT\5.K"=*C"'MJ5>JW.+I4^2#IRJ.$6TI)G]=^B,S:78EE\MC;1
M%D]#L48!XX&,=,'@C%:U8OAUB^B:8[+M8V<)*]=A,:EESWY[]_;I6U@9)]>O
MX5]C3UITWWA%_P#DJZ?I^I_.N,7+B\3&UN6O56CNM)M:.[_-^KW91115G,%?
MDW_P5NU_PMH_P7^'5CXPL_A`FB>(_C)X>T&3Q7\:[+Q3J?A+P+>3^%?&M_I>
MO6^E>"M9\.>)]2U;4=4TVR\&_9=/\0:3!_8OBK6[C7+B7PY!K%K<?K$PR#D@
M#!SGVY'/L>:_#C]O#XZ^)[SQAXS^!O@O6?VIM*\5>'/B-\+?B<WB7P5^RIX/
M^.7@_2/"D>AZ$8/"?@^;6?!6L:8UK<:YX=U;QAIWB?54U/QCX5^*MOJ$MKJL
MWA+2;'PBODYU.,,!5C)J]2/)"+BI\TKI\KC*45*]OYHM;W[?>>&V$K8CBS+:
MU/2.$JQQ%:I[6IA_94XM1=3VU*E7G3Y7)/F5*I:_PM71D_\`!*SX8_#+XFZK
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MP>'/#;7DXO8IM-NY+:37=9^=OV^?#OQ,F^+WPO\`A_X:^$?[7>O_``WT&#XO
M_$&^\7_!S]IU?AY8^*=>\;Z_HU_-X/\`$]_XC^+W@W4)M'T35O$FJZGX4T*^
MUG1)O">GZ+HOAWX76EU\/H/&VA:+XDE&ED$%"G*'.XJ3I1E&3DZD7M2<FM$^
M9J;MLFVU?].P<\1FOC%5G5KT,9'"1J*C''UZ5:@J2PBTISQU*A"MRS=XQEAX
M7;<G3A%.WT!_P3[\/>(-0_9,U7XIZ-IY\4_M":KJ'[0'A?3/'OQ@\#6W@#QS
MK\'A7XX_%VW^'7ASXB:?HVFVFL^'/"VC326L=MX2TZVTZP\,Z1+-;Z!X=T(&
M/3+;\J_VF[KXN>*O']['\8/AQ^PW9?M`OX;\.ZCJ_ARX\<?'34M)TK7GLI;G
MX;Z?\;H]$\,0?">^6TUIDM_"/_"V]<M]"O)HR=!U6.QD%XO[=?\`!-KPQ?>!
MOV4?#.BZW9:]I.H1>-/C/J&H6/BWQ_H/Q-\3V-[K7QH^(&LW=KXD\;>'M:\2
M:;JFNVUQJ,D.JP/XD\0ZKHEZDV@^(=>UC7]-U+4;G\G_`-O;QE=Z/XX_;$T'
MX9^'/V@?&/P]\7VC7_[4&G^`/`WPLFT34]7MO@-X#TS4/#GAGXF>-/%MAXI\
M+V7B+X/Z=X,TCQ=?>'?AQ\4ETE+C4;OPC;V/C(ZC;,\;3C'+<`[M)JC^Z<8R
MO[L7S.$Y1DY)7?-S-I7=I/1UPOC,34X\XOA3BI.#S#DQL*E:C[.*FJ:HJK0I
M5X1H2YK0H^SC3G)0A[2G&TE_21H2E-)T\'C%K%\N00/D&,')..,<^YK7K&\/
MOYFC:<_`#6L)"CL/+7OGGWZ\GK6S7UE+^'3_`,$._P#*MK_U\[G\]XQ-8K$I
M[JO53]>>5^K_`#"BBBM#G"OP5_X*E^#[#X"CQ1^TQ=_$G]J?7[CQP]KHV@?!
M_P"'G[0.K_";X?Z'J?@'X9>.O'7B75XKZ*.ZM_#MGK/@GX=ZA<W=M;Z9K%QJ
MGBZQM(=)TF?6/%ET3^])(/&>01V/U_D*^#/^"@7@'XE_$GX2Z1X6^'_PCT#X
MX:=J'BZT/CSX<:^?`)MM>\-6V@>(KS1@(_B3L\,-:VGQ'M_`-WXBG6[L_$6G
M>$(/$6K^#7N_%^GZ)I5_YN:TG5P57DBY5(KFIVBY6GHDTMGO\M7T9]IP!F$,
MOXGRZ>(JTZ.#KU%1QTJU14J?U:33ES57\%FE)-..L4N9)L\^_P""<EAX4T'3
M_P!I;0/"WC;XB?$*#PW^T)<:/K'B3XB>/I/B9>2ZU;?!?X+S7.G:'XLN$COY
M]+TFUN++3-6TK4E:[\.^.;;QAH$<UU9Z=:7,_P"<O_!1SQI\!_VJ/BKIGAG7
M-#^--Y=?L[ZE\3_`&OZ(W[(7QD^+O@V?QIK*^`_$/AS7[+5/#5G;Z*+K1+_P
MGX8U(&3^V+3QE\+?&GB;P[Y.FVGC*VUVS_4?_@G9\$OBA^S]\)O$WPO^(VG:
M?8:9X;\=WUK\/18>&OAKX3AO_"TWAOPM=:SK$.A_"J*U\.66EZQ\2KCX@:CX
M7CO],TOQ<G@Z?P[%XTLW\31ZG?7GS9_P4Y\*?&/7_B1^S)'\%Y=1U+4-"\53
M^.=1^'MAXMU/X<V?C23P-\2?@KXDNY;_`,6K;1>$M<GM_`MC\0?"UM\,/%NM
M6:>)K+QSK'CK3=*UG_A5NH-IWB8VC4>1PC5IN.D'5H.$I2;E.%XQ46I>[+71
M/FMMJS])X5S#`4?%G$5\+B(5TJF(_L_,XXNE1H4XT\/*]6=2K2E2<:D%R/F<
M8P;;YVUKZK_P3?\`!?A/QA^P/HW@%[2]M/"6MZG\?/".HZ39^`]1^`\^F6=Q
M\8?B7H6N:/H_@RPUR[\2^"K73I_MVGZ)>:CK4/CZYLH+/Q'XH;3?&M]JUO:_
MEE\4/V=?V8/!WQ/^+7[/6H>#_'W[05Y<WGACX=MHOPE^.W[0&M?M(>'-`UCX
M7^!KJ'7/BKX=UO54^$EP;C7?$WC+QG#XB\5>(?!_P]@\/7>F:5:Z+XCUJXUK
MP_!^U?[)>I>)_AW^RA-XA^*FM:=XB\0^']3^-GB?Q/9_"U]:^*%KX7AA^)7C
M[7F^$_@ZT\/:9<^(?%-]\(].:/X3:?X<T30CK#ZAX/7P]IFA1W<<&F+^,'QY
M^*&J?LZ?%K]L72=<_;:\5^'M=U;Q+I7Q;\6:9\/_`-BGXG>,/&^E:$_P?\!^
M&_"EY:?$NQETKX1Z7KEUH'PVCTJUUB_NC\/9M9T?5+GQ&-(C'BCPMH1C:-.&
M`RWFI4I2@J4?:552O"*A%64:TXI3=EHN9I]+V3Z>%L;F&)XJXX^KYABJ%+$5
M,;B)87!U<?&&+J.NFYRJY;AJ[=*FG=\WLZ4[I2J*+E)?T2?!GXL>#OBEH&I/
MX6?4[6]\':N/"7B_PWKND:CH7B+PAXGAT?1M=?0=?TG4[>VNK6[?0]?T+7+"
MYB%QI>MZ#K>C^(-"U#4]"U;3=2N_8<XW<YQCC'3/\ZY#PAX=\/Z/#J6K:-H^
ME:?J/BV[M-=\3ZAI^G6EA=^(]:M]#T;PY!K&N36\,4VJ:I#X>T#0="BO[Y[B
MZBT71-(TI)EL=,LK>#L`"HP.<?AWKZ>@IJE%2:;459K:W*K:7T]+[?>?@N8.
MF\;B72C.,'5G[LY.4E*[YKR:3?O7M=7[ZBT445L<8'_/^1_+OTK\TO\`@J)\
M4OVEOA)^SI>>*OV86U2V\80ZCJ*ZQK/A[P1!\1_%&B:3#X*\8:AH$_AWP5<P
MWT.L76M_$FQ\!>#]5NY]%UZU\,^&?$NO>++W2GLM"N;NS_2MC@$^QZ=>G;\<
M#\:_"S]KBU^.'[8_QK^(/[/7A'P-\$O&/PO_`&?_`!K\/];UNV^(WBOXL^'=
M'\4ZYXA^'%U?:GX!\:66C_#C4_#'B*72-#\;:9XRLM.T[Q#J-MI-YJ?PV\1Z
MG:7%]IMYHS>1G%6=/!5(4E+V];W*/))I^T3B_B46UMK9-V5MS[GP\R["XSB/
M"U\Q]A_9.7M8O,WB8QJP^J1:A-1IU)PA.I)RBH1G*,>9W;LF?<?[#_[0?BO]
MH/1_C/XIUZ/5K7POHWQ?O=`^&]KXHT&/PGXWMO!4'P^^'>JD^,/"DT5EKGAV
MXO?%VK^+=5\)6GBO1M!\3WOPSOO`VN:KILCZI'JFI8_QF^$O[&'[;FN7TWQ5
M\!3_`!0U+]EGQ!XBLKZ#6O`?Q`6VT36=;\.`:]H6FVT^@VUI\01?Z1'HVM#1
MO#J>)DENH?!>NVMN;J?PS<W''?\`!-_]G3Q;^SGX2^/'AOQ5\.OA?\+8/%'Q
MGD\4^&O#/P?UW4]=\$CP_+\(OA)X<_M*VDUFQT?4K+4+K7O#>O+JMG<Z!H@%
MW!)>6]I=VMY#K&J?.^F?%K]IGX":]\5?AW\`?AI\*OVI/AEKOQK^,^K^&_'6
MG_'SPSX*UGP%XX\;_$;6?&_Q&^&/Q(T6]T36FN-0\!>/_%_B33(6\,7&J:W8
M:%!H>@ZUX;LM<MKJ27B5>:R_#K,*3JJ2:K14)5GSZ.*Y%'F<7+JXZ:726WT]
M3**.+XRSI\&XU8'ZK4ISRFL\70RQ1PLU%5F\1*I*A&LJ;?[N-5.?O<G/9(_3
M;]EOX=_`WX9?!/PMX4_9SATN#X-F3Q'XC\'P:+J%QJNC1P^-/$^M>,]4_LNX
MN;BYDBT\Z[K^J&TTY9%@TF#9I5M!:06<5K#^"/[;_P`:OC)\-/CY^UGIWP>^
M)?CG2K#5W^'.AZEIOA?]CWXB_%FS\*_$+7?A[X:TW5-9O?BA:M_PB=I'8^"=
M9^'?B"XALGUR>TMK>6UT_P"'U]XDCN/^$Z_9_P#X)^::=/\`V8_"\]QXYT7X
MA:YX@\5?%KQMXR\2>&X;BVT%?B)X]^+GCKQO\2M`TJTO8;34;*S\(>/_`!!X
MD\(QZ?JUE8:S8'1#9ZQIVGZI;W=E#^1W[7<GP8OOB[^W9KOQU\7?%2YM/A\?
M`,?A+X'/^U-\2?!^C_&A-7^#7A">Y^'?@[X)^%KC0-*MO!OQ&U*2+P7I>KK_
M`,)K<^,?BEJ_Q+@U&PM;7P]'IEY.:Q5;+\%[-_5W[2G*/+/V2BN577-%II.+
M^':6B:L=WA_7>6\6\2K&4WFJCA<11KNI2CBY5INO13J\E6G-2?.N;VMHN*_>
M)JRDOZ,/#LCRZ)IC2,"[65N[-@`;BBD\=.2>F<#H.!6[63H?EC2;'RE\N+[-
M%L4Y^5=@('S<\#N>3WZ5K5]%25J<-;ODCK_VZMO+2Y^,XQWQ>*:BXIXBLU%Z
M-7J2=K;+MOITT"BBBM#G&."1QV#=\8R.OX'M7Y.']A#Q!XW_`&D?VG?'GC+Q
MC\;?`?AOXD?$#PEXN\$:G\)/CKXM\!Z)J&EZ;\$_A+\/M1M]=\+^&-6TM[?Q
M3#XB\$:W*VHS65Y#J&@/HD9U))+5;.+]93C*YQG)Q]<'I^&:^</VC/VF/`/[
M-&A^%=?\?&\BT[Q9XFN?#5K=VK:7%;Z9_9?@OQA\1->US5KC5=4TN&+1O#_@
MKP'XJUW4%LI+_6;J+3!8Z'HVKZK=VEA<<.+I8>5.,\2[4Z,O:.6R3T2O;IK>
MWSU9]!P[C<VP^+JX7)H<^+S"FL*HQBI3LY1G>"?NJ5XKXE)6UW.4_9H_99T_
M]F33_C#9Z7X^\;_$%/BE\2#\2)+_`.(>OZKXM\4Z9<?\*T^'/P\;2;SQ9KFH
M:AJOB""&+X?0WEA=7\D4FG6%];:#!#]CT:UFE_%?Q-HGQE\)?VSXKUKXO?L=
M^#_!/[+'[8W[2OQEAA\<^(;W7=>\+S?&7X@?M#6WA6P^)EYX>\1OI/AN_P!<
MTOXU1>)M`T3_`(E?B"#4;7PWI]Y;)K=I?V2?L;^R#\<+[X_Z3\6_%.I:!\3O
M!&I+\1-/L[SX??$QO"LEQX$6Z^$?PMUW2M%\,3>$IKZS?0]1T/6M*\5ZU:7^
ML:UJNC?$3Q)XYT&YOXK?2K33K#Y1G_8*^*>H?&#^V?'_`,3/!_C/X->!?C!\
M4?VAOAEX#GT'5='\4>)?BW\0=3\0:QX9'Q6\7W&I:[:7_AWX0-XFU+0_AX=#
M\/K=0:19>$&O+79X-T_3KSR\;15?#4'@XSE#7DY9N,;OE<93O:3BFN9I._3K
MI]_PSCWE&>YK'B2O0I8J*HO$1JT%5JU.2+C.EAU"$J<:DH2]GS.T4I<SNHV?
MT?\`\$X++Q):_LOZ1J/BK4/".KZMXQ^)O[0?Q*76?`.L6NO>"=<TOXI_M!?%
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M5K-W:7]EJ^B>,_`][K?A#5/"OPRUGQ'\+_`?ACQ;J$=O<Z9_;WA35]6^#.GZ
M=#;V-]K]M::#I?Q&\5^.M#L;#6/&<.O1+'8.O6R_!TH24:U*I3FVY)1?(ES7
MYDU)]5I>ZONFQ\)<197EO%_$>/Q-!U\#C\)CL/25*A5G.'MY4U1=-T>65+6R
ME*Z7+=6UL_T]T9GDTJQ=P$=[>)F``PI**2,#CUZ8'IQ6I@9!].GXUY7IGQ:^
M%P\%Z%XPM/'_`(1O?!NL1Q1Z'XJM?$6CS^']:RDWE_V7K,5X^FZB9%M+ED^Q
MW4Q9;>8@XA?;PNL_M'>#_P#A-OA!X-\':KX$\73?$CQ_JOA/7"WQ)\/Z-J_A
MO1-.^%?Q+\?)KWASP^T>H7OQ$U:77O!&A^&[GPAI$FFWUAX?\0ZY\0);Z32O
M`VI:=?\`M0KT8QIPE5ASN,=')7;LHZ=W?MI?M<_,JV78^M/$UZ."Q+H1J592
MJ*A4Y*<8R<GS/E2C:+N[M6\SZ.``SCN<_C13,*>3WY&21Q^?\N**W=[Z/\5_
M\B_S/,'GT]>*_,#_`(*>S:Y-\./A=HVA:Q\3;$ZW\7]*LM3TWX2?![P!\9/%
MFN6EAX+\=^(+&R?2_B7INL^%O".EZ=X@T71?$<_C:YTB^N;&[T&PT.R6TN/$
M*ZE9?I]@CJ<_ACKQV^M?D)_P4]^&_P`/]8\2?LL>,_&>M_$?P]%'\<M.\%R>
M(?#O[07CSX(>#/!VG^(_`/Q(74O%WB&]\-M=:?!KJ:6-3\*^#;JR@\->(_%'
MB[Q7X=^'-WXXTSPMXIU>SN?.S=.6!KQM=2BHM\W)9.44_>6JZ=5YOM]IX>RA
M3XMRJK*;A*C4G5IM48XCFJ0IRE"+I3O&7,TDDU*[MI>QUW_!*_PUXV\-_"WX
MK1>,;;XI&/5OCKXX\1Z#K/QDM_`NG>/?$UCXAL_#VK:WK6I:%X!ACTSP]9P^
M.+KQ;H.EZ1?N]]'8:+!=VEMHGA^\T/PYHWAO_!7_`,9>*/A]?_LV>.M*^+'A
MGP=H?@[XB:9XCO\`P#XA^,UG\&G\>ZCX:^(OPE\6"]M[B_N[2Q\<66C^"/#G
MQ!\'ZCX+U>;^Q2WQ.L/%-W%<W_AC28'^F?\`@G3)\*H?#?Q_T7X.ZAXF\5^'
M-`^/&JZ+=_%'Q1\2_%_Q7N/BAKEO\,_A9<7_`(ALO%7C/6=?O7MO"PN8/A3<
MV.GZM<Z1%K/PYU6YMTL[F\O+&V_.']KG5OBUX4_:XCTCQ_\`&WXPZA>)I?Q3
M\1_"74?A[^QC=_$S3_!WPOUW4/A?_:/P]NM6\.>!O%U_XAN)]=?2FU#6=+BS
M8Q>"?#(\7W.DZCK^F6_B/P,;*6'R"E1HQJSE*4:<*E%PJ.#YHOFYJDHJ2LGU
M:;W=O>/U3A?#8;./%S'X_,ZF`H8?"^VQF(PF84<10CBZ4L.J;HQI8.A7G2FW
M)<UHQY%=QCS)Q/U+_P"":WCB\^(_[)O@_P`8WOB[0/&,NM^+?C%>IJ/A.]U3
M5/"6C6LGQF\?_8_`OA+5M7T[2KC5_"GPRM!!\.O#6K6NGV^BZIH?A:QOO#P?
M0+C397_"+_@HQX>^$GA']H[]KWQ>WQ5L]-\2>*?"'B+_`(30>%/@S\:_&GC?
M3(/%7[*FG?!V]^%'B[Q9X3M6^&%CX,@\*W6B_&[1=.\5:WHL]SXSN/##Z[<>
M'_#FGV_B2OVV_8&_X2_X?_L56^N:KX<\=>+O%2Z[\??'B>'=3\`:7\&_'?C2
M]U_XO?$GQA8VEIX(\57'@[2/#.I>+O[2@?0)?%$_A"SU&'5=-UW7T\,QZC>0
MZ?\`DU_P4!TGQI)\7OVPX_!6B?MT7^G^)_ACH&HW</P>TKX'V?P:UC5Y?AMJ
M>@2:GI6MZ]K=YX^\227UAHNF>&_&>G^&?#:>/-)?PX8[9-1TO5/`?E/,G.64
MY>F[U$Z+E*:;G%\BO)1C.+4[WV;2;U4EH5P1'"4/$3B^I1C)Y>EF,*-+"SA[
M"<%7I\E*52MAJUZ/+):RITYS5DI0DVS]1_"/['FF?%;X?_&.']K#P1X&\;:%
M\0_CKI_QL\(_#R'4M6\3^%?!\?A3P'\.?!N@&*ZU/2O#@FN_$6I^!=9\<^*=
M+AT:#1+NZ\?^)/#VK)XCL[[6K_7/R"_8H\">);;]K7]F'Q=XI_9S^$7P7GNM
M:\2^*;2R^%O[(/CCX<ZWX5T^[^"_Q/\`#&OZ/XZ^+.J^)8M"T6R\.^.Y]2\#
MW%E=Z/<R^/IKGX9>,_"5C/X:\=6NJ^'?ZB(XO-\%K%E4WZ5L.,`#,&<9X'!_
M+/;FOY7/V9O@_P#$72_^%:>"-*N_A[\?O`GPB\>CP?K/PNL/VB]0^)=AX\^*
M'P8_9]^-'A;Q!X>\%_\`"QM!T[P;X4U[QF_Q'\!^-].^#=QXDTCP[\-](^#S
M:_9R"\@U>_TA9G1C0K97.$92FG&7,E>4VO9.U3EBY.-FTK7M?9I6-.!<SQ&9
MY;X@4J];#4:,Z3H4Z5:<:='"TZL:T'/#.M5A2A4M!.3EK-0=YQ;4E_6DCJZ*
MR-E2`05^8$=CT/\`GOD'!7B/[-OASXB^$O@'\&_"_P`7-5;7OBEX=^&'@/1?
MB+K;WS:DVL>-]+\+:58>*M5;4)(X7OFU'7;>_O#>/'&USYPG9$,A4%?7TY.=
M.$G%Q<HIN+5FG;9KIZ'\\8FE"AB*]&-2-6-*K.G&I!IQG&,K*46I--26J:;3
MNK/4]R)`P3ZX'X_SSTK\B?\`@LWJ?Q-TC]D?6[WX>>)=.\+Z>NIW</CJ\O-;
M^'_ARZNM#O\`PEXLTWPO86&L_$Q[;PM:1R?%>[^'%SXB5M0TW6[SP9:^)['P
MO<3>)KC2-/OOUWR,@>O3\*_,#_@IQH5SJG@SX$ZGHGB/X8>'/&?A;]H+PMX@
M\'7OQ:\(^+O''A6*^A\&^/\`3?$NH1^'_"%[8/)K'AOX>:IXT\6V5_XAN;+P
MSHT>@7.K:GKGA"2RM/&OAWS\X3EEN+C&3C)TVE*+2E%MIIJ]HNW\K:4EHWK<
M^O\`#BI"GQMP_4J4J=:G#'0DZ=53E3J)+X9>RC*<=])QC)P:YE%VL]W_`()L
M>-=>^(7PE\7^.FT/2?"?PO\`$_Q#OM0^!/A33-=\'>)/^$>^&%IX4\'Z-+;W
M>I>!=2UOPVDFL?$;2_B'XJL](L-?UI/#VD>(-,\/)=6D>E1:3ID7[5G[:4GP
MH\7^$?!/PE\`_#KXO^,?$*^,1JC>*OC#H/PQ\.>%KCP;+H45UH.I:V_A[QI?
MR>,-5&K7MYI'AJ+01++IWA+Q;?7=U:)HLBR?%_\`P3WT;]HGQ3X[G^(_P^^.
M_P`-=?\`@IK_`,<M<\6?M%>!K/\`9Z\<?!/Q7-?ZU^SUIEMX6M]%T[QYXG\8
MSZ9I^K?:?@K\2I+2#2O#&K:W::I=^([_`,6W-UJ&N^&->\:_;:\"?";X=?'^
MU^)VD6_[#>B?#;XNW'QA77?^%Y_"*ZN?$_BKXV>$_$G@SPKXIOI-1NK.[U75
M)]"NO#'BS-WX>G\,:'=RZYJFI:QH7BS4+G3/%P\+ZYB*>249P4J<H\L)U:BI
MIV;BE4A&TZ:3>B334>EGM^I/AO*,3XI9GA<5*CCZ5:-;$8?`82ICG3=3D3>$
MQ-:]#%RJTXWG>#7MG&[:4K+]3O@W\5/'O[4O[%/C?Q9XN^&?A/4/&GB,?M$>
M")/A?X(^(<D?AC65\(_$'XC_``YT/PK8_%*SB:2"36=+T#3M/U/QO::?I[VV
MJ75_K5MX=T,11Z%8?@KXX^"$5M\/]:^'^J_L-0Z;\1K_`.#6H>(%\)^-/^"D
M'BV?XE2Z/<Z;;^&T\0:[X*NI-/TR^D_X2;5M,T/4V$5KX8N/%&H6^A+<0&^M
MX#^\_P#P2]/A.;]CWP1)X)U?P1KOAN7Q5\8I+74OAOX4O_!?@&6\;XS?$$ZO
M;^$_#FI227%IHMAK)U"QM;F-8+'5UMCK&FV5AIM_:6-M^+G[?OA;1K;]K7]H
M7Q#X)\6^+/+\3>%?&'PV_:3\+>'/ASX)\1^.)_AAJWP4^!'BSXS7/@?Q-JWQ
M*\/WMEHFB_"GP?\`"+1M+LM8\':Q-IWC_P"+FIOX%B\1ZSXHU"+PGGFL.;`9
M?BI\U63]C"<8T\/4;YN1\Z52E*S4DG^[Y&EJNQU<`8J&$XIXPX?PDJ&78>^.
MQ%"=;%9OAH0>&7*L-+ZGC*7-&4'+E^MQJP<E&,[WL_Z`OVA?C7K?P)^$WA_Q
M!H?P8^*GQINM:U[P_P"#3X4^$6E:)K?B32SXA$]K:Z_J5OKWB'PU9V_AFPOT
ML[/6=7.H%-'748-3U%+?1+;4]3T_\,_V*O@K\2OAI^U5\$=/U#X)?M:^'OA+
M#\3O$&O^$+3XB:)\&]-\$_#;6-)_98UWX1^'==\8Z[\-?%?CCQ!XE?3_`(8^
M"K/X:>&I-9M?"FEW.M>+9];\0^(-;\7W6EV6K_TJ0,;?PS!)+&LLMOIZN-RC
MYI$B''(P,\GT[8/./RI_9H_X*'_$/XG>.OA+\(?&?[+?Q<\-^+]>U[7_``;\
M2?'VO:3X'\,>$_"^I>$/!_CO5KOQ1/X3T+XB_$CQAX;T[QCXA\%6FG>&M-U]
M8O#H@\4V,FD_$;Q;&GA^Y\8=^.H8>6*RZ6(Q-2E*,H/#TXQLI3]QRC)Q7O75
MO=E[JM>U]3Y+A3,\VH9!QIA<HR/"8ZC7IUHYQCJU6]6A0E*HZ-:E&K*U-TKR
M;J4_WDE+E;:9^OO/'!/&3\VWD\G_`#^5%+D@#@G//&!@=AR1^E%?1+ELO>Z?
MS-?A?3^KGXS9=E]R'<Y'/U'K7Y=?\%1[31M3^%GPTT;Q/:^!M+\'ZU\6K'3?
M&?Q3^(VEWNK>$_@KX4E\!_$&76?&^HPV6K^'TA7Q)#`GP<\_5]=TWPS-'\4Y
M-/\`%2ZQX;OM5\/:O^HM?EQ_P5&\8_$'P5\._@YK'P@\0_V3\6&^._A.R\"Z
M2G@O7/'MSXQFO?#OC&#QCX<M/#6EZ]X<TN\G7X8MXZU]G\8:II_A:"WT">>;
M6_!^LIHOCKPQY^;R@LNQ+FG*'(G)15Y25XJR5XW;NDO>CKU6Z^T\/85Y\7Y+
M'#U(4J[Q/[JK.3ITZ<U"3C.<O9UN6,6DY-TJD4OBA*-T^@_X)M^(K#Q+X&^+
MNI:/<:=XK\/?\+GUJ#P]\8M$T_7]*T'XX:;'X,\`R2^/]$T_7=4UR*+3-&U6
M74_A7:W'AO5;GP9J*?#<ZKX1ATK0K^RT;3O+?^"CWB;XH>#OB)\&/$_PN\$>
M._$^I^'?`WQCU235=,\9_#[PM\-/"L[>(/@KI8U?QW;?$/X?^.K2?7'TC4M=
MTWPSK'A:U/CK2_"%[\5-(\.:'KP\3W[Z3Z7_`,$Y?BE\5_B#X.^+]Q\:_'6E
M>)O%FA_%IM#M?#UM\.;OX5:O\.=,@^%_PPU"3P3XC\'7NH>)/)U@ZSJ.L^+[
M?5=.\>_$71/$/A_Q9H6N:%XL72=0M/#?AWQ_]HO]I3_@F!\0?B]I5Q\>K[1/
M&_Q`_9_U+XB^`K#2O$WPU\=^)]&\*^(;RY\*ZOXVA_LN?PE?>';W6["/P/H.
MHVFMI#=SZ9I"S:CI%]%IFKS75UY<IT99+2BL13P;J1A[.=:48<K3B[-R<U>+
MZ-REUO=-K[G#8?,:7B?C\5/)<7G_`-5K59XO"8"CB<7]9A4I\G,O90PLO93O
M\2ITZ23TIN"Y7]B_L&>.F^)7[,/@#QQ<:]\*_%%[XDG\8:IJ_B#X+Z5J.B_#
MO4]<N/&_B1M;N=)M-76/4I-5.KB\C\8:A>V]E/J_C5/$.K/INF?;1IUK\O\`
MQR_:]_90\,?''XW>`/'OP;/BK5?A=\(]>\>?%?Q]J/@GPE?Z+>Z'\)X?A/\`
M$/5?`%O>:U<QZYXL\1>%?#OQ>\!?$'3=)CTZ7P\DVJV=KI6L-XJ@O=.L?L;X
M*?M'_`_X@?LVZ+^T/X$U+^QO@JW@[4/%4.H:CHUSH(T#PYX=AO!JXOM(DA62
MR70!I=]#<I;QS6A6R>;3Y[RR>WN)OYB?V\?C3\!?CA\5?C)\;?`7CS]E'3)?
M`GA?S/`&N>)--^*WBWQ!\6P?`WAK7+/6=1TSPKX[T+X8:_/%XST&V\+:3X<\
M??#SXF^5'X&\*:QK.FWV@7F@:.5F6-6"P.`C1JX>K4E*E%>T:2K0LE*<+J6K
MW32UT5U=%\%<+_ZR\5\43QN7YS@,'1I8^<E@Z4IU,#BG44J.'Q7+.@K1^&<;
MMQ2YN1J.O]?=PD%_HK1HZQQW-J41RX&U70`$9."<8XYZ>]?CM^S3^PO\4?A7
M\5/@2FIZ3\&/#7A3X`S>*;O4?BIX,UCQ%J_QD_:5U+Q#X,U_PC/=?$VQU#PI
MX?L_"]MK^L^(I/BEXZLIO&GQ1&O?$?0/"^H6EQIPTJ*YK[Z^/7PC\:?&;X3>
M'-"\!_&7QS\$M6TO6?#WB&X\3^`UT=M8U72-/$B:SX6N1KNG:E9I9:[IMU/'
M'="W:72]6ATO5O*O8K"?3;[\:/V2[?\`:1N/VL_V?8/&'Q"_:I\3^*_!.G_$
MG1_VB=#^(>J>!8O@AHL%UX1=;L^$-7T#0=%D^(SR?$*+X>/X42QN-<U'2/"U
MS#J_B9_"FJ3:EH^N=&.KTUB,"JV%G-R=-4:J<5'FDZ;E=-<RY79NVZ3LVKGF
M\*97C'D?%=7+\[PV&A0IXE8_`UJ5=UI4Z<:L:<N9-4G&JE*%YN:C)I-<S1_2
M%MX`!&`,?=!_GTHH4@@$>@_S^OZT5[VG5Z_XFO3MT\D?D#M_>^7-^F@ZOCG]
MLCX*>`/CCX,\%^'?'/Q2\4_"*32?B?X-\0>&?$W@SQQ/X"\1:EK]I<W-I_PB
M%CJ]I>65W<CQEHM_K7AR;2[*8W\R:@;K3XS?6-NR_8IYP",CZ].P_/-?ES_P
M4577-?\`A@/MGPL^/6I-X2^,.A:1X0U'X%>)OAI;>,-6TSQK\.;WP5K/C0Q>
M,M3?1-'\#"#XE^,/AMXEG\2VMIKOA2:VN/B;I;^'+#1M$\?:1QYC.%/!UY3@
MIQ4+N,N:S2<7T3=O35OU/J.#L/B<3Q%EM+!XB6%Q-3$0A2K4W352$Y/E3@JL
MHPE)I\K4G9K?0Y']F']C/]F[4/'?@C]H?X!_M(_$OXGZ9X.^)7BSQ)K#I\=]
M;^+/@3QGXPNOAQXC^$^JQ>)8K[6M:TV?7-$TC7K$66I+(-6TNWT32=+MY8]%
MD-L_"?\`!3#6M"^''Q9_9QO?!%QXO\%_&/QSK6M>%;3QIX+T[X?WFC:=X#^(
M7Q%_9Z^$OC75?B!I'CJSO[/Q##;^+_%GP.ETJ/0]-F\8K)HJ1VNJ:=X5@\31
M7?KG_!,OQ!I>I^'?VDK&P^&GB?X37?ASXZVFBZEX8\6>(/A_K^I6J6?P`^!!
M\+6]J?AE%-X4T[0]`\!2^$O"7A^PBU_QCK+:/X<M-2\2>*+O7]1U&QT[\_OV
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MJOA8Z?I6EV?_``BU[HZQZ9I^PV<'R7XA_8B^+'D?%;PUJ_[=4OAWX2?$3Q1I
MVD:!X7'PW^%*GPUX/U/PIX+^'.E>`]#DO=-A\.^'_M5WI36&GZ+X7\/Z3X<U
M/4M::^;PU<:]X@UL7_NG_!/70/#'Q6_8/TGP5J_BGP=\4?`FN7/QO^'B:U\/
MO"=S\,O!6M>`;'XH?$/P1IFE>'/"]G%IUWX=TS3_``G9VOAZ-;6ZOYV>RDOH
M/$WB5YE\3:I^$G[:WP4_9F_9J\3?%SX/C4O@9<SRV/@?6?`/B3Q]^T;XNTKX
MC_`^/P]X)\/H+GQ1\)M&M]>\1_%'43XATB]^+&C"".?5OB/J/BN#PI?Z*NF:
M!H=[J%8VM&E@,MK5<.ITW"DF_K%6ER2G&%HR5*,_:1O=*[Y6W=N*;9'"V`JX
M_C#C3+<%G-?"8WZUC*T8_P!C8+&QQ%&A6O*LI9A7PZP56$7SMPA*K&"<:<93
M48O^K_XA>+/#_P`-?A?KOB?Q+=:C%X?\/Z.T^I7FDZ%K?B.^@LU5(GNX]&\-
MZ=JNKW,-OO%Q=R6MC,MG9QSWUT8;*VN)XOYC_P#@FHFC+\>/@3IWACXG:AK/
M@#Q'\1-6^/OAS2+3X0>/=-\<:SXKU7]E"3X6MJOQV\67US>^!M%U"XT&'Q!X
MG\9ZUX?U_P`7V7C[XT^);:ZT_4;2TN;(7/\`1S\5(/$FL_#+2_!WA+5/&7A;
M5_'$5QH%K\1?!NE>#=9N/APUOX7UOQ'%XJUFR\=V6LZ&^D7$V@1>%8]_AOQ-
M-+KOB31+9M,MK2XNM<TC\+_V)?%'Q;T[XW_LN>$O%WCW]M;QGH6B:IXL^'['
MXE?"#X2_#CP)!J/A#X4_$'2K^3X@Z]H>B:A\4==TUM3\+RQZ+IWBCQ;J"ZWX
MS3PIXGU7Q)X@O]+LI]6TS5RECLH:YHP4HNZBG>[IIQ<G5C[META)Z>K7'P`J
M-+A/Q"A)PK8JK2JQG"=1P:C3IU_9UXT?[.Q$.?VG-H\9AW%7>K2C/^EI,[1D
MY.!VQCCIZ&BE'('T%%?4Q;Y5KT7V)?YGX$!]1UQ_/K]:_GM_X*A^,-:U3XN^
M$OA1\;O'/[&GA7X.S^*O#GC/X1Z#\=-5\2R7OBG5+/P-XZT_Q=_PLOPXNNZ9
MX=B\*Z.8]<_X1OQ)JT<?A@^*=7\"V23/XUL=.T_5?Z$CVZ\'M]#^/Y<YQVS7
MQ7^V/X_^!_PPTCX=^*/BW\,-6^*VN7?CB;0/A=X<\,>`$^('BZ7QG>^"?&.J
MZ@_A[3WB*:9(/`NB>,)-3U6>[T^TCTJ*[M;BZ_TF*"7S<WH?6<'.FZGLHWBY
MN7PN/,KQE:]TUT6M[=[/[?P]S663\287%4\#/,,0XU(8:G34'7IUW%\E6@Y6
MC&<'KS-:1NU9V/D;_@D+HWA&R^'W[1R>"KWX"WOAZ\_:%O3:M^S9-=3_``M@
M>+X*_!6S>'3]]YJ&FPZM/]E&H:O%H=_<Z>;F^6>X^RZW-J]C;5/%'_!.WXU>
M&?CC)XY^"W[16B^!/A]JFO?';XDZIH'B/X:Z-XLU.U^*OQF\4^%-=OM>V>?H
M]AXGFM],A\7>&M"\4:_.OBOP#X+NK;P%HEUJ_AKQ#K`T[[*_8V^/7AKXX>'O
MB&/"OP>\7?!?3?AU\0F\#+X9\;^'[/PIK=_)/X&\#>/)-<'AZR:6#3;.Z?QS
M]AAQ<W37DNF7%^TR&[^SP?'?_!4SQ3\5O#WB+X$1^$KO]H5?`.L'XBZ/XQM/
M@#XJ\`_#V:+Q(UEX8UGP7J_C7X@^.]7T:RT#1;&QT/QCI.F6$FH:7I?B#6?$
M%M:W6K#68/#N@^(O,K4<%2RBC.JYUZ.&2E!T74I-WE%-)4^6=DWK=/1=.GV^
M5YGQ-F'B/C\/@7ALMQ^<N<,13S6AA,=3C&%!2;J_6XSH^T<$VI<T?BY7)IGW
M1^QY\)?'WP3^"T/@;XG>,M*\?^,_^$^^,?BK5/%VBV!TJPUF#X@?%_QWX_T:
MX&DF.--(NX]#\2:=!J.CVS75CI6HQ7>G:=J&IV%M;:A=?S_?M]^)1IWQ_P#V
MR_`WACXI>/K2T^(7AFV7QGX5\+?LS^'O'&A6'BRQ^"O@G2O%46O^/O%\FGZ;
MJ<4OPS\0?"+4-3E76=,TOPKHNI&?4-0L8[+5+VR_:K_@F?9>,+#]E'PY;^/-
M(^(^B>(3\1/CW>S:?\6]8A\0_$(6&H?'SXF:CHMYXAUZT']FZX=2T6ZT_4M-
MUC1YK[0=5T:ZT[4-`U36-&N++5+SQ3]JX?\`!-G3_$WCZY_:#T*TN->USQ5X
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M8(R,\DX-?S.?L$^(=$U7XU?L[VVF_LC_`+,6C7GA7XZ_%[P#XJ_:)\#_`!/\
M,^+_`!Z?&6G?!WXM>(-4EMI/!?PW^&WA:^UGQU8ZOI.M7VG:'K&K>'H/#FM:
MO-H_PE\&Q:"L'PQG-84_K>4*<HJ2FN3]WS\\HNCHI>SGR77VKPNG\6IMX>8G
M$4^'O$:M0PTZD*N'<<0_K:PKHTZL,39SH_6L-]8LVE[)0Q"4ES*F[*2_J)3[
MJ_0?EV/MGT[=.U%-!PJX&1@="3_3/^<=J*^G2T7NQV7Y>C_,_"1_`P/?`^IK
M\O?^"B7PM^,OQG^&=GX?\,?!S4OB%)H'QZ^'&L>&[#P#^TCK/P*U_4/`]EI>
MES:SXC\3^*;3P+J%SIMM:^*=1\1>'?$/@G09M0U*[\!6T'CGPOXPTOQXFE>'
MM)_4$@=>AR"??&?Z9K\Y/^"D'[07C?\`9Z^&OP[UOP=X_P!*^%T'BSXL:#X&
M\3>/-3^#_CSXXR^'](UWP]XJDTQM%^'_`(!N].U#4-9UCQI8^$O#D$VIZK8:
M9%::O>):#4O$L_A_1-5X<S]G]1K^V<XTN3WW'V=TKI7O4?)U^WIITM<^MX&^
MO_ZT93'*Z5*KCY8F/U:-5XKD<XIRL_J;6)=TFDJ-YO:*;.7_`."9OP6^(WP6
M\/\`[0=M\1_AIJ/PKG\7_'1?%F@Z#J/QB\0?'F2[T(?!7X+^&?[4M_B5XNM[
M3Q?K5O/KGAK7+46_B6SM;W29[*XTJP270;32+B7Q+_@H[X^^#MOXI^`OQ=UC
MQ'\%_$K^%;OX[^"/#?PN^/6N^(O`_@OQ+XJMM<\+^&/%7B_2M6MO`7Q`>/QG
M\+;GP9K_`(9TQKCP+J=KJ7A_QUXJDTO6M.MKB*^O?</^"97QG\>?&CPW^T#J
MGCCXNWGQE;PU\=4\->'_`!1=_"#Q-\"UM-&'P2^"NOMHUK\,_&<UUXHT&WM]
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M!]E<-\7_`!X=0\)>`M-UN1]2M?AUX"U$W?@;X=B?RHI?!/A[0)[2UL[.2"UA
M_';]MGXH>#?!O[;'[0/AKQ7\(M(EU'QC\&_%=A\--`2\^,:>+?VA?B98>'OV
M<Y/#MOI47A;Q1H_ARWT?XI1:EJ7P.\4S^$]`D\6W7A_X)WD'CCQ??>![:U\)
M:=^O/[#.FV?CO]BZ'29?$GQ-*^+-0^-VG:QXGUJ'3OAK\4X-7UKXG?$&U\0Z
MJD7@B2V/@?Q':ZQ<:A<:&UM);^*O#[QZ?+KI@\76NJ!/R._:BUSQQ\9?B1^U
M&VH?#_\`X*!>$I%GL_AYX8\)^#_&WAGP]X"B.G_#O09-7\5Z??OJR^&M"LM;
MN]>DM+^)-9\6>$[D>'&\3OX@LY_%6N:+H49A*3RO+K2C&4G1FN:'/!V@N964
MGONGS-)[-HZN$,/2I\>\:>UI5JF&A3S+#R]EBGAJU*4JT8TJG-*CS58Q<??C
M*C!M;^S;5OZ697C_`.$39U4"(Z:2$Y`"^02%!R3C&,$<^AYR/YIOV%_AQ%X#
M_:!^`WC?Q'H?QB\-?!/XB>,=9\0_LQ>&/$_C/X<:G:^%O$MA^S=JG@+PW/\`
M%#PYX<\.Z)XOT;4=-_9J\!:CX1\*P:UXG\=?V7<"[M_'L]M\1M6.J:E_2W9K
M;GPM"EZ1Y!TU!.,G`C$0WJ&`&<`G!'7MD"OP^^"/[/7_``1]^+=XFA?#CX=^
M#?%J:S\6/'OP\T'6-3T'Q.+36?'-]X7N/CCK&@^%M:UBUMO[4\/W/@+5+OQ'
MX/U32IY_"^K^#=&QX;U74-/T^U:7IS/#U*U;+*M.I1C.BXSC3J5?9^T;5*\4
ME3GSJUURKE]YIW=K/PN`\WPF6Y7QS@L9A<PK87,J:PU;%X/+UCW@X)UN6KSS
MQ>%AAZG.XM59>U<J2G",5S.2_=+0==T7Q+HVE^(/#NJZ=K6A:UI]GJFD:SI5
MY;ZCI>JZ9?V\=U8:CIM_:2RVE[8WMI+%<VEW:RRV]S;RQS0R/&ZL2N5^%'PU
M\,?!WX;>!?A5X*AN;7PC\.O"'AOP1X8M;N[FO[NW\/\`A71K/0M&@NKZZ9[B
M]N(M/L+>.:ZF=I9Y%:61F=V)*^BBY\L>:"4N5<R4E9.VJ6BT3VV/QVNJ*K55
M0G*=!3DJ4ZD>6<J:=HRE%<RBVMTF[6>KTOZ#Q]X'&>IY&<<?S_P[U^?O[?W@
M[Q=X]^'W@W3_``UIWB_Q5X0T3XEZ-K/QB\#?#3Q?IW@?XC>,OA_8>'O$DD?A
MWPIXHO?$?@]M)O(O'-SX!\1Z[#9^+_#&KZOX+T;Q#HND:E+?ZM::;J/Z!L,X
MX[]?3W[9^GZ&OPZ_X*S^"--M]-\`WFN_"[]E[6O@OXA^,FC^/_BYJOQT^)[?
M!J+4_B%H'P]U7PUX.U.?Q!;>&-934M3NM,\/>$/"\U^8]>UF_P#"6@MX!OO#
M=]X)U?5=6\+^=G%7V>`KS=)U8\C4H-.VKC;G7+/W?YO=:M?<^R\.<'+'<7Y1
M0I8KZG5=?FI5K7E&48M_N[5L._;-:4G"K"7/RV:=FOK'_@GC:>(M.\&_%73=
M8TO4O">BV/Q9O(_`7PW\5?$"P^)OQ)^&G@R;P)X`OK3PU\3_`!3:^)?&=U_P
ME.L:Q>:W\0=*T/5?&'B6^\.>`O&W@S08M2BTS3M.TVP^,_\`@IUXZ\0>"?C3
M\--2^(7@[]DN_P#A,?`GQ1T7PWKGQW^-UQ\*?$MWK?B:+P-I'B#0M,QX&\57
MEQI<VAR:H-4TS2+/7-+UE9](U#Q!-X5U7PKX9/B;VC_@D1IWPYLOA;\:KKX:
MP?`K3=#U7XZ7]_<Z%^SOXVUCX@_#[0;]OA?\*K5]/?Q1?^%O!FE7NO/96MC?
M7\7A;P]::-:6U[86U[-?^+(_$U]<>;_\%4=>U#PY\;/V1KSPMXSUKPEXQUG5
MO%G@:2XT?X?>#/&?D^`?B1XY^"'PZU?6=3O_`!OJ=E9Z#H^D?%#Q5\%EU"/1
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ML[CQ1:^-+ZW^+7[2=OK'BBQT'2O#=CK'B"V_:/\`BQ!XCN[+2]#6/2S9_P!O
M1ZBEIJ5G!9QZ[;I%K;6&GR:A)96_Y,_MA_`+1/BY\?/VR-8B\!?LR:8O@;4?
MAWXA\;?&KXG>-_B3XB\8_#JVF^$W@E]+\=WG@CPYX3U3PYH>F>$;?P]=ZJOA
M6]\4:+:7VE:--XM\90Z9X7\5#5=1K&4YRRG+O94J<JB]B^6JERKEIIO1PG%6
MULD[*5GS:W,^%\5@Z/B#QH\;C\9A\')9C'V^#J5%5G*>(I\JY_;86HX5)6C*
MZ<I1=G2D_<?]#?B#Q?X7\)^!K:^\0:IINBV-Y:1VMH=4U"VT^*XNI+62:.RA
MFNY(EEN9(8)I$B4F5HXI)`A2-]O\Y7[`O@GPWX8_:9^#?Q`U3PKJVB^`OC%X
MDUW4OV=?AF/CXOCZ[^#/B:R^`>I:!9'QM\.8OAOX6OM!U33O@%\/-0^'*RZK
M\1OB=!X!O3'X,V1ZEK+ZV?W4_:1^&_[/GC;X'#_AH_P18?$'X9>";S0?&]SI
M&H>%=9\9Q6NI>&KN*?3]6'A[0--U?5-0@M!)-'J\$>G76GW'AZYUBS\06\_A
MRYU>&3X._8X^-?\`P3=UKQ]\([O]F#]GS1?`7Q%^,'A>=X-3\+_LYV/@C6/"
M&AW7A)O'=]H_COQKH/ANWT.QL9%TBWTFX.E^*->T'4O%2:18V-[J"7.G7TG1
MC:4:N,R[VN(H4G2<)48.:52K*7(FE"WO*RM9/35M)V/$X7QE?`\-<9++\JS;
M'1Q\:^'S#%TZ$I8+!T8.I*E.I751<DW=.4YPO]E-\[3_`&A484?0=S_4FBG`
MY`/J,T5]*E9)=DE]Q^+V?E]U^WGY+\`/UQ[_`/ZZ_+G_`(*@:#HOB/P)\&-/
MU'X<>.OBCJ[?&FVB\->%O!>I>`-&TV^O-1^&'Q3T7Q#IGQ'U?XEE?"^F_#OQ
M5X"U3QCX&U*<36GB.?7/%?AW3_!U_I_BN^T:]@_4:OR8_P""L_@N\\=_#3X)
M:%9>'OA]XNDNOV@O"-M)X8^+6H:OIGPNUJ#4O"_CC1GMO&UUI=O<0_9[<ZFF
MI>&+?50+:]\>V/A*STJWU?Q5<>'=!U;S<XO_`&;BK)MNFE:^]Y)6U4XW_P"W
M9:]&?<^''(N-,B<YNG".+4I33G[JC"3N^2K0G;3WN6M2DU=*:;N0_P#!*&+Q
MMIOA+]H3P_\`$"S\9Z=XG\._'==-O;'QWXU^'GC76[2"7X*?!?5-,C,WPPT_
M3O".C6\^DZG87TFGVD5QJ6IZA=W_`(RUZZ?7/%-_%'XQ_P`%C=;\'R:C\`_`
M_CK4/@)X7T/Q!/X\UVU\:_&7PYXO\7:OH_B;P>W@B]T+3O`NC>`_&_@3Q-IK
M:G!J.KZCKWBL:L^AZ1<Z#X<T>_B_M;Q+X>#^Y_\`!*WX4WGP@\+?M$^&;WPU
M\%/!DTWQ]34QX6^`WB2Z\0^"]%BN_@;\#ECCN8-0CL]4\/>(+[R6UC4-#U+1
M]$F:VU+3]:M;.]TS6;#7-7\Y_P""HUM\1%^)W[.^K_"C4OC?I/C'3M$^,:WE
M_P#!;X6?"#QU<S>#;B/X=QZQH>N^)/C!=6FC^$&U'Q./`^IZ38P#48?$\/A[
M69+K2C>>'])UG1?"KTW#AKV;BW:$5*+4:CE[]-[-T5+36W[N^^G7]0RG%8?$
M>.CQ<:L:-.>+K585J4JF#C"HL(G&2E&&83HIS6MXXE).S4TVW]`_\$HM:CUS
M]BSP!<6^K^"M<TRQ\6?&C0-"U'X<>%O^$+\"S>&O#/QK^(GAWPS'X7\--;P7
M&GZ5:^']+TVT@-_)J6K7K0OJ&L:_XCU6ZO=>U+\H/VWOBIX(L?VJOVIOA[KF
MI_$CP?\`"J/X=:OX^^.O@70OB+X+\.Z=^TIXS\`>!OV>88_!%II>H^!M:\>:
M+;?$GX9_$?P)\+TUCPGX^\*#Q[JOA75O!KZ`B:3J&OZI^MG_``2O/B>7]CKP
M5?>-+_Q+J'B[6/&/QG\0^)Y/&5EH^G>*[+Q#XB^-7Q"US6]&\0:?X?<Z)9:K
MH&IZC=Z'=VFEVVD6=O)IQAA\/>&U3_A'],^2/VO_`-EK]JCXP_'SQ;X\\*>#
M_!<LG@1[3Q#^SY\1E\.?!'7?%VD7]GX.\/:?X;\(QW'C[PO_`,)%I&G1?%K5
M/&_Q%^)D_P#PDD,5YX*\+^!-"\"7Z:UXA\8Z5'IB:=>IE&6>PA4E*+P\G&,+
MMP4(J2FK^ZK7>DFM+-N[1Q9)B\KPGB1QK_:E;!TL-4_M:G&OB*\80C6=5.G.
MDY4HPK57->XW3BU?VD81DHV_:,Q)=^%O+B12CZ;B-)`"!NA.T,7'('&21@C)
MXS@_@W^RL?BE\/?C[^SUX4\2/\3-%^)>MZMXJT?]IC6/B)\5]'U+X3>.=1MO
MACXVUJ#PA^S_`/#5?%VH^'M/EC\8Z7IGC'P7'\,_`W@_4-!^#G@KQ1:^/9(]
M1DO=-G_>F6TE_P"$:^PS,L=PUA]G)W!<.8=@P>,<]QG!!').*_`']DG_`()P
M_&/X-?&[]FSQSXB^%?[*^@V_PJ\;^.SXI\9_#VU\30_%S5_#C_#'XL_#_P`,
MZYJWBC4;A(/%EWXIN->\,:MXNM]4@:[EU'4)=4>&&]TMC%V9A3Q$L1ECHT>9
MPE'VT[?PXMT[Z<KY9:/M9)I/6YX7!>+RBED_&]/,<?['V^%J++\/=M8JORU5
M"4INI!5*<5O'EG)S<96T/Z)%S@?08_S^OX]!BBE7[H^@_P`_7U]Z*^@]3\A$
M``R<8)Y;G/08'3V%?D!_P5&UOX0_$CP5X5^$GB?4?@_J&GZ+\9/AWJ'Q<\0_
M$18/%.C?L[^'#X=\<>-/#7Q(\:^%['7=&FTVV\6:KX/@^&_A^7Q=J&E>$-8?
MQM<P>(8O$/A8:YX>U7]@"."!W&.I_3T_"OPL_P""@?P)TGX3_%#PS^T1X;_:
M!^.'PEU/XG?&33;W6_`GPB^%^C_&#7/B+\0-,_9^\;>`=/N_#'AP_#+QWKXU
M:R^&WAD3ZG8ZT=5^'%EH'A?6M>MO#.E^/+JU\5)Y&=NI]1J1C352$[1JIM)J
M#:5US2@O)^_%VV=]5^@^&=+#5.*\!*MC)X*O1YZV"J1A.:EB8*\82]G1Q$HW
MCS-.5&I#^>$EH_?O^"5>B?#S0_AM\9+?X5Z#X-@\!R_&_4G\/_$#X=>&;_P1
MX#^,MM;_``X^&6GW'Q$\+>$);V_T+1[&UO[&[^'-]>^"Y_\`A$/%VM_#[5?'
MFDQ0R^*;V,<)_P`%)K;X7)\:_P!F;5?CY?ZOX9^!ECH'QO3QIXR7QK\4?!7A
MVRURZM_ANO@OPU=7_P`-M?\`#=M:>*/$-[%J>H^'=;\::C=:!;Z)X8\:>&]/
MTB[\4^+M!U+1^W_X)<>)=5\3>'OVC[_6?'?QK\>74/Q]CMS?_'KX<6WPI\;:
M9%%\"O@;+'I4/@JRTCPO9Z;H4<<HO[&>#P7X,6_NM2U"_?2-2DGD\6>(^._X
M*!>*]$\3^-?AC$VJ>)OB/\+O!Z?$.U^)GPK^#/QCT#X;>/K[Q_(_A>W\`:CK
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MOV;=/\+>`=$U3X;Q_%/4K7X(2?#GQ9\1?B!<0W,>A7I\?7OQGT3Q7HWC'7/#
MN@+\/?#_`(?;1M&N]:U]-0U'](?^">VO>(?$W[*GPW\0>(M9M]<DUJ/Q1K/A
MZZ@\76OC^>S^'^I^,O$-_P##+P]K'CJTFO(O&/B;PI\.Y_"_A?Q7XH;4-5N-
M>\3:/JVIW>LZS=7,VJ7GXN?MMVGP6\2_M0_M9:'XWU/Q7=Z1X6^&'C'XK>+-
M1UCPOX7O/#GAGQ'X&^$_P&\.^*].\!WYU[1_%^M>/_"/P5^*^C>(OA':7$>D
M^'O#GQ$^,'C*_L/%NH:KJ4VF^#S,*M2&5Y>Z%1PE*=!*4&J<6G%-JUK.%K\L
M7UL'".`PN+X[XOI9IAHXNC2PV:3JPQ=*6,Q"G&K%*4:D;-5U-I2J6U7.E9-G
M[J_M'_#'QC\8OACHFD>$OC7XS^!NM6/B'0?$=UXH\"MH@U;5M*L3+'K7A6X.
MO6&I6*V.N:;=W$<5T+=Y=,U:'2]5\J]BL9M-OOQG_9:M?VD++]J[]FE/B%\0
M/VJ=7\4:%;?$/PW\<M(^*&I^!+#X%QR:IX&UK47@^'6M:-H.@GXK75YXR\,^
M'-1\'6VC3^(=4TWP5IFH^(O$4GAB\LM?TS5?V<_:"_9I^$7[3GPLT/P7\7?#
MK>*_#GAW7M`\;:5:+J>I:6\>O>'A.UI,9],N;666VO+&\U#1]2LY7>VO](U3
M4;*:,K<!D_G8_8O_`.%67/[:7[*5_P"'/!'[$7AS4KR\^($Z:1\`OVE?$/QH
M^*/AGQ-<?!_QC<K_`&I9^'M"7P@NC:?X?_X2W0?$$M]JNJ^%;C5-0TV]TCQ8
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M#XW_`+0GP)_9[E\8?LZ6,C^*1J>IV^KZS;>"+_XD:AX<TRV\"^--;T6ZT_P=
MIDGVG4)_$/Q!TCP/X`GU.6SU72O"=AXQO/&.N:=+HF@:A/;^?FKI+`XAUG.-
M)0O-P47)1NKR7,G%<N]WM;YGUO`SQSXIR=971P^(Q\L5!86EB9U849U6FE3G
M["4*K52_+:+YG>RL8/\`P3,^$/Q0^%'A[]HBP^*'@CQQX&NO$GQX_P"$A\/6
M7Q`^*NH?&G7M2\/'X*?!705U6/XB:O-/J^M:=+K.@ZU9VL&HS//I#V-SH\3?
M9;"W%<+^U9_P33\!>+O'D7QB^#OPF_9XU?QGK&I>.M0^(W@WXS>%!=^$?B+K
M'CRR\*6LOC"\URST;Q'JFA^*O#Q\);;%K?0-3TG5+3Q=XZ-Y96NM^(9O$$?U
M%^Q5^T!XC_:'T3XK^*M0TW7+7P7IOQ5OM"^%.H>*/#=WX.\3>(/`L'@OP-J%
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M6L2Z)HD!^WZ[JFGZ3;W-TEQJUW*K_P`Z?[<7Q?\`A3\>?'_QC_:$\$>,/@=H
MEMX1\&6VH_"#Q/XA_9C^,?CGQ!\0=-L_!.B>)M*UWQ#XKN-0TWX?*UG\0-/G
ML_#=EXE^'?CG2M%T_P`.^%_%.IV^IV5]:Z='_0E_P3X\>ZA\5OV3?#?C'Q+X
MNT3QC/XA\5_&&Y&J:)XAE\7:!I&F/\8_'T>C^"-*\67%O;1>*-.^&NE)8_#N
MT\260GT?7H?"Z:KHFH:IH]U8ZC=?+?B#_@GKMN?BQ>>(?VY_C)X=^&7C+7)?
M$=_X9TQ/@1H>D^$/"FG^$O#FAR:39>(M9^%>KZAX=L=%L?#33VFL>';[PHFF
M6JP:G/#+XJ36_%^O<N9X:KCL'EU/"0I_5OW55PJKWXJ*BZ;3=6DUYV3::2::
MT?O\"YYEW"W$_&./X@JXZ6>MXO`PQ.!E?#UI5Y\N*3IPP.,A-R2M%RE3A*,F
MU.,N6<?UGM2[>#(2')8Z2H!QC+&WZ_C[D8_G^#G[#4_CSPY\7O@3X<T*/X@7
M>OWVGZ_IW[1GP[NO@'H?PX^!G[/_`(<T_P`$ZU=:1H?PG\=6OPU\)MK\>D_$
M33_!G@3P2NA?$3XD6'C?P)>>(/&]W!-'::7KFG_OE=PQ6WAR:&-B\,5BRIL&
M-P$1`QMY[9P"<=NV/YS_`/@G3XP\97_QS^"6D:-X[CO?`C>`+;3YO!G[+_AS
MXB^-OV:_#<.@_#18I=#^)/Q'^(OB7QGX7\*26'B&*2U\$6WPRGTCQ!JFLZ38
MV?BW5-3M]0O[27NS!\F+RM./-/FC%63<HM>SO):I):6;UWT[GS7!EZ^0\?5:
M=6-&G]7E5E&HDJ=6+]K:E.].<T_>YH*/L_?BKRLK']*BC``]`!^0HI`>`3R2
M`>`?0>F<?Y^M%?11V7HOR/QX#A03[8[]NG3^?ZU^%_\`P43\9_'KX@?$OP]\
M![GX)^'C\*H?&OAW6O"?B-_VQ/$?P.U+X[W$OP\\?7FM?#V^TCP'\/+WQOH\
M7A=].UWQ;+;6?BF&TU*;PAX7UUKO5=/'B7PI9?NADX!P?<9'^3[8ZU^9_P#P
M4:L_V'_"/@[PO\9/VP?A1H_Q-C\'ZGJMKX*L'\`_\)[XBO;W_A$O$^OZ]IEC
MI(MI8+O2;'P?HGBCQ;J]OXAGA\,:9;^&F\47LMK?Z#IU];>5G-"=?`U*<*T:
M$6U[1SY.24&U>,N:$U9^<7=]UH?>>&V9X;*^*,'B<1EM7,ZBC4CA*6&]N\12
MQ7*_95J'U?$82HIP:;O[6*23E=-)KSS_`()1>$+OP;X:_:;TN?P+:_#=I?VA
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MZLX24;.W+AG2?*M+:**LM-=/O,CX@Q]7Q`SO.<+EE&=6O3E%T<UQF68?$TG.
MG"G&:Q.>QQL9596]^[JU9IOWW>[P/V./!?B+6O\`@G/XA\-:KX2B^(^K^-&_
M:=N$\)^(?"&M_L_:9\1;;QO\6?BOJ>G65WX9U;1U\0?#WP[XZL-9MG@O;W1;
MG4;?0M8AUV2TO99L3_BMXW^`%CHW@_Q!\*;K_@GU^S/X:^*MM\%;_P`2GP;X
MI_;BU'4OB=HFAMIL?AZ#Q)XFMD\%:!#<):^(;VQTS4_$C^/="\/WNNO(J>.=
M/CF.KP_T\_LJ?%3QE\9OA!9>-?B!\/8/A7XKE\4_$GP_J7@:'7M,\3C1(?!G
MQ'\6>#-,\_6M&EGTJ]O+[2=`L=3OO[/FFM(;R\N+6"62.%6/\^7[?7A3PC%^
MU;\>]?\`"GC3XE1QZUHGC7P1^TQX#\'>!?AYK_B76/AUK/P+_9_\2?&;4_!7
MB76_'>A:OH&EZ3\(O`GP4T":#4O"?B.ZN_&7Q'AT[X>V][J^OZS/X;SS3#0C
M@LOK4Y5*L:;I4DE3I<S@^7WK5XRJ1:LG:,N97=M;W]G@#/*]7BCC'+<;'"8"
M>,^OYA.4\3C?94\335EAU4RRK2H3IRC*2C*5&5&4E&_+$_I-\7>+S\/_`(7Z
MEXLE\/>(/$Z:#HOV^YT#PK8?VUXAOK:WB1[J/2=+6:*XU:\A@,EPFG6+3:G?
M^2UKI=I?ZE-:V5Q^?G[*G[;WA+XD7'P%^'/P_P#V5OBG\+]#\4^$K!+R&]^&
M.K>!OA[\'=)TWP#)K>DZ)8:M?>'O#_AO5=`M;C3[7P3H</A=87>>[T:YTS1%
MT(:A<Z5^D\RQ#PB8[EU0?V9AF91Q^X`9L$<X&2<#)/<5_+#^Q9!X&\/?ME?L
MN6%A\=-'^.7B;5?$?BR'7_&$?Q,_:/\`&,.K^(]-^"/Q=M-1U3P=I/BJ*7X4
M7.G>.M/TVP^(E_KIU26;P=K6I>,O`OA5/$?AN^\.ZQH_5F&,KX7$Y;&'(X5Y
M1I2YI0C-*].S@I+FENDU'IKLG;Y/@SAW+,_R3CBOBZ>,6+RJA7QN&J8:GB:F
M'J.,*LN7$.G.%*C"/*W"I5<N9MP2O:_]9N20"._T&1U'9O7V^E%"XVC'<`_F
M**^FCLO1?D?C-O7[W_F.K\9?^"N]QJ5WX&\":#XN^$'@/QK\![GQ'?M\2?'O
MBKXUO\'-2\!Q7_@3QYX<MI-'\1&714\-S>(=1UW2/"<^L+K'B*V\2^'O$?BW
MX<ZSX,_L[Q6FL1?LP2".#[C@_P`/-?@S_P`%3O$D/Q_B\3_LS1_!#]J";7_A
M\(O$NB?%+P+\*O!WC;X=SR?$OX6^/OAS/<VL?B3X@^%SXDAM?#OCCQMH]S!!
M)H>JZ!XNTNVU2WNH4LM+N]1\G/+O+J\4Y*4XI1C%1DY:IN-IJ4-4NNG2^I^B
M^%D5'C3**]2G3G0P]9U*TZM2O3C1A;E5;FPM6EB/<E*/\)REKI&6Q]>_\$U?
M`M_X%^&?Q*T;5O`VB>!M3G^+6NZCJ-K:_%75/C'XQUF\N_#?A'[1KGQ4\:ZR
MSZA=>/[J5#9K92NT=EX*L?!L-NL%MY5K!\'?\%+M)MO`OQ7^%$'B;X%_L\S?
M`/PY'\7_`!;H^O\`Q)_:KO?@(=;^)_Q+U[1-:\4P:G:3^%;VSD34=7USQ7XF
MN-*B@\8PZ]K4FE>(I=9\"W7A^+1/&'V7_P`$MY_%FH>"OCIKOQ`TOXFVGQ$U
M_P".3:CXXU7XH>#=&^'M[XFU:+X/?![3-+U7PMX-T'6_%.FZ)X,TWPCIWAKP
MAI<0\6^*K^YO_#&K7^JZU+J=W=VEGX?_`,%6+Z\TCXK_`+->K>'-8O+#Q=;Z
M#\:H'LM._9J\;_M(ZE>^`[F+X;MXDEM-#\&Q3_V"+7QA;_#..XOM1?2UNXKO
M%MK,:65WHVO>-BHWX>I.'M%RJFFK493:4H+EE&472:>\DK)]W'?]!R&JI>,^
M+IUIX2<<16Q=ZWM,QI8:G-X9RC5HU*-18ZRVIRES5-5[BEM]5?\`!+*/PO'^
MQQX'_P"$/A\#VWAZ3Q?\9[JRM?AQXOUSQ]X+LWN?C7\0[F]L=%\;:_I.A7?B
MD6-_+<VFH:]8Z39>&]3U6&_NO",;^%)=%FDY#XY?M(?L[>'_`(I?%33O%/[.
M^N?$?1_AIIGAZS_:.^-%MX$^'^I^#?AMI%II>F_$[2],\9W?BG7M*\9^,K?P
MGH&HZ)\0[_2/A[X7\?2>%=/U/2M8GM+34+F&(]%_P2LFU:?]B_P+JNKK=_VM
MXA\4?&/Q9>VNH_#^3X5ZC;7?B[XS?$'Q-+I^H>`9&F7PY?6,VK/:7=O:7FJZ
M=<S0R:AIFNZ_IUW:ZU?_``#\8_@A^UI\8_B=\?+B\_8]TU=-\3>/]%METZQ_
M:8\0>&OA)\7=)T#P%\/['3-;^+'AZQLK6Z\=6,][I]YH.LWEAH7@ZYUSP1HV
MA_#WQ1X<UV'PJ+G5NN>(G1RS+_9TYU)2A2]U474LN2*O+DA.,$F]7T6SZKP*
M.48/'<<\9+&X^AA*.&KXZ7MJF8TL&IR5:WN2Q-?#U:]TFX0M*3?+S0;=C]5_
MVRO#/Q"\5?`R>_\`A;\3OB-\+]4\,ZGH_BG4]0^%/A#PMXY\8^(O">FRLOB;
MPIIGAKQ;IFL65_<:MHMS>3:>VGV5YK5KK-EI=UINE^)7BD\*Z]^+W[$WA_QM
MXH^+?[%5_HVJ_MHR^"/"<FJ>,=2\(?%?X)^%/"?PK\$Z;J?P$^(FA:1I`\;>
M'?A)\)[>[TO1[[Q=:Z#X6&G:KXBTD-'I%CHO@J'1YHO$'@_^D@D:9X=#RP`F
MTL`Q@;YAF.,$QG(.[!W9)!Y'(/0_B]^Q]_P5$U#]H+XK>&/AIK?A/P1H7C/Q
M7\8?%'A6X^'7A?4M6UOQ;\.?AIIG[/FC_%VV\7?$&YN+2R;2];\*^/[M_@9X
M\TJ]T#1;"#XBZH-&TO4/MWA+4K?77CJ&&EC<#5KXB5*K)4^2DE)PG*,H-I)O
ME3VT25[7LFKD\)9MG=+A;BC`Y5E='&X##^V^MXV3HJK0HXBG.$6[0=6JDE*2
MDII1>E[-I_N$&"A=S8)4?R[?C_GI13EZ#)S[XQG\**^B35E:^W9_Y'XU==U]
MZ%K\D_\`@KA=Z=H7P;^&_B37M*\,^(O!>D?&SPA+X[\&>,OC+8?`SPCXX\/Z
MII'BCP_%H_BCQ5J%O/%K.BZ)K^LZ)X\NO"!4C7#X/C:2WU.VLYM&U+]:QU/'
MISZ_IV^M?D=_P5PUJ'PU\-O@5XCN?$NG>!X=)_:%\,*?'5[\*?%/QKOO"4^M
M^!_B+X8LKC0?A[X9CDBU?5_$E]KEKX#>37BMA9Z-XNU>XT/SO'2>$+:?R\[E
M;+,4[I/V>C?)9/FCK[_N?^!-1_F=M5][X8KFXXR"#7/&6,4907MTYIQE>*^K
M-XA2:^%T4ZJ=G!.5D?,O_!-+XZ_&;5O%]QX/^$OPP^'VN?LQZC\??$6C^(?$
MO@GX[:K\7-!^`FB6W[/>E>)M.\!>#;C4/"_AZWU'0M0\=V_AS6I+K0]7UCPY
MX1O_`(D:MX$T[0[5]+\[0/OW]N'X<_`WQ9J'PZ\2_'?]I;QM\!/#?ANR\7Z7
M9Z3X8^/>J_`;1O&FI>(Y_",T=_K^HZ)XA\,WWB*_\*P:!/;:!:-J$EI81>*]
M<EEM)9KNWDA\*_X)(ZW!XB\._M/ZFGBT^.FD_:+BCE\2/\%]1^`CW\T?[/\`
M\`@`WPZUL_\`"0:?+;0&&R?4=<CM[S66MFU&SA_L:;2Y9/*?^"M>OZ3X=^+G
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M3;FXTV>TED_,3]HS]MK]J;X/?M&?M2_"SX0Z9\"_';Z!\-=,^-'@VS^(_P`9
M+C2=:\&6MIX0T?PWXDM]0\+Z1X4:PT3PAI6O6_A?Q5>67CSQEX`TMHO&VI>*
M'^)D.@:KJT?PT]+_`&-_''BCPG_P2]\=>.OASXL^'U[XLT&3]L7Q%X)\77?A
M>3X7_#(Z]IGQH^-5_P"'=8UCPGK0TV;P1X5AOX+.ZU[2M5N?,T6R6^COM7OG
M@EU6X_&_XC:SXE^,=Y\<OCI=?#7]K?788O`U[X=^)MIX`M?@=IWA;X^:)XF^
M`O[/.L^--4U[6=,UKQCK/P]L?BMH?P[\`:%KP^#FH>.-,T[P)H=EJ/@X1^)]
M?\7:7?&89A.&%RV&'C.E5JJG4Y:*CRJDXKF2=VK*\>^G5W1IP?P90Q6?\:8C
M-GA\?@<NEC<$JV8_6/:2Q\:D'2G.,80FISM)14E&TM)QBDV?V!7EP]QX7FN9
MSY3R::SR'`.UC$21R.<')]^GI7\Y?[`?Q,^+VM?%/X,-9?'7X7Z[\,1\=/''
MP9U:&R^!OBGP?XN^)GAG1OV?/'/Q5^#]K8>/_&6N^(?%7B.ROOA]=_#_`.(-
MKJNM^%_#<NIZ?X8UE+CXJ^+I?[/G^*_[J?%[XZ?"7X"?"^R\5_&/QWX7^'GA
MK4WMM`L]6\6ZS8:%IEWK-Y87EW:Z1#>ZA<6]L]]<VFGWT\-NLAEECM9V52(W
M(_F/_80UGX:WW[:7[-/B;P1KW[/5A+\0?'?C6^/P7\$?&/XD_%CQ'\+"W[.O
MQ`BNK70-&U:\E\!^'W\.:9X(\-?#^3Q1X>TC3-(MO!>G6G@[P3<0^$-1L=/N
M3-ZZ6/RB$9<U3VD>>$:G).+G[.TY)64DVG>-KO=66IAX=95*IPIXCUZE-T,.
ML+/ZK6G@XU\/6G0C7Y\/"I)-T:MN5JHGRQ6DKN44_P"OA?NK]!GZ]_UHI%("
MKDC[H]N,<=?:BOKEJEZ(_GX=@#<1U/)[]!@<?A^-?GI_P40T#Q)KWP[^'EM8
M+XGU3P8OQ7\-M\4?!W@+QOI7PZ^(?Q"\'W6E>(],TKP7X'\6:KXF\%?8M7U'
MXDWWP_O]0T[3/&/AO7/$GA?2O$'AG0[ZZU75[/1]2_0PD#DU\?\`[67P1G^-
MNC_#^X\->.O#O@CXA?"+XBZ=\5/A[JWBSPQ#XY\*P>*]/\-^*?"49\2>#FUS
MPS<:O9C0_&6LR:=-I_B+1-4T/Q#'HGB33;];S1X8)N+,(*IA:L&KJ44G'W;R
MM);*?NO3=/1K1Z;?1\)XAX3/L!BE/V7L*O/[;DK25)\K49WPZ=:%I-6J4TY0
MWCJCS+_@GEI/BS3/`?Q)37-%UCPAX9;XK:T/AGX`\7>/;/XE_$+P#X)L_#?A
M#3IO#GQ$\76WB+QE-<>)Y_&MGXQ\36^B7_C+Q3>>$?"_B+PYX0?4[:'0H-'T
MOY*_X+":SXZ\%3?LZ_$?0?&FAZ/X4\"_$/2]?UWP7J/QA\#_``8O/&>KZ7\0
M?A;K,936_'FN^$M%\3:-#\,])^+O@_6/!E[XGM-/U*Z^(.BZK?:9JQT.W^P_
MH#^R5\&]<^%WA_XDZYXN^*NG?%WXB_%KXD:C\0/B!XOT/P_9^%/#2^(['PMX
M2^&-EH/AGPS::OXAET?2/"_A3X<^&O#A@U/Q!KNL7.I:7J6H:MJ+WMY-;P?C
M)^VAXK\<Z%^UY9Z#\6_CO':7FD:-\5-;^$<FE_L(_%?XQZ;H/PO\1WGPM>\\
M(ZSJ_A_4;JU\0Z[=ZV='6XUSP5I>H6FE0_#_`$__`(2[7O"FI^+[;PEKO@YB
MG2R6%!4YKVCA&#C.A#D;E&2;<VJ2M;1*Z]$?JW`]LQ\4,1FLL7A)+!QKXBK#
M$4,UK+%Q]A[*I""P]*6.DVVVZL^2IKS.[T?Z6?L.Z7X>_:._89GT?Q_>^&_'
MWA3XMZE^T)I'B:T\,Z]<ZYX9/ACQA\6/B9IU]X`T_P`6V$6DR^([/P?HE^WP
M^?QAHSFT\1-H,GB#0M8U*QO;'5[O\E?CK^S]I7@G7?VQ_`6D?%7]L75_AQ!<
M27?QX^*V@Z]\.O\`A!_@]#KOP(\`65S!XTTGQ)KWA_QS\97\)_#BRT+QSXQ@
M\"Z:-23X>:OH7AFU;4/%%N\][^Q__!,+3=:T[]D?PFVOO>3W^J^._CGXB-[>
M?#;5OA$VJVGB7X[?$CQ#I^MVWPYUZQT_6/#&G:WI^IVVLZ3::G:17EUIE]9Z
MA.9'O&FD^=OVQ-7_`."8GA;XH>+=1_:0^,6A>&?%D5GI?B'XI?":S^,OB[2K
M'X@QZ#H]E=^'Y?B-\#_"7BF*U^(.HRZ#I^DVVFZ=JWA'4]1\7Z+9Z#X>N+7Q
M!H]GHVF0:5L/3J9=E]2I*G"<(TE[2I-4WK&'NW2E%W>C23T;L^IS9;GN-R_C
M'B_!8*GB\7@\5BL;-X7!8>KC(<U.K=5N24HU(*$;J-2;O%M>U4K,_4/Q/X*\
M+^+_``59Z?XGT#1?%-EILNCZ]I]KKFF6.IVMMKGAV]M=9\/ZS:V^H03PV^JZ
M+K%E9ZKI&HQ(MWINHVEM?6<T%Q!',OXA_L?_`!>^*>K?&[]F3X?_`!1\%6GA
M;1G\+W>N>%F_:J7PO/\`M0:IXDL_A/J=NFL_#9_A_P"&K;PS;^)4\/ZCXC@^
M(J>+]0T;XIP>&K[QC#K7AS24DU&UN/WN)L9="&"!ISV8PP)'[@Q^^UL;3WP1
MTR.,?D'^R9\3O^"4_P`,/B3\.O@C^R[K7PF\0?%?Q)N\`:-JW@V#3?%OC?68
M/`O@/7=9FO?%/CRTM[G4K_3[7PQX-U"V&J7VJ/I[W<UCIMD%&H6\-=6-HIXK
M+JGMZ%%1G!RC*24JVD;0BFFY7>J?-IYMH\3A3,YTLEXQPD\IS#,_K%"I[*=&
MC.5/+)2<G/$UIQDJ="RNIITVY*\;H_9I>@^@_E12`\#`)&..G3L>2.HYQVZ4
M5[G*GJUOKN_^!^1^4W7G]S_R!AG`QGG\N#S_`"'?KTK\._\`@I?^SS\)_!.J
M0?M2^)?&&HV"ZEXT\'6GC[P5XI_:1\7_``5\)>,]!T?PAXQT:+P_X!U"W\6>
M'M`T'QUJ%_/X4\3W%I+/!9>*[#X=2:$\VAKKOB'6[G]Q3VXSR.^,>_O]*_)C
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M@U?Q+I'B&\EQ[_\`:8_;`^#/QV\2>`OBC^S)\1OCKH_B'Q!\<_%W@SQ?X.3X
M':?HFD?#W3/&?@+3OA-X6\+ZAJWCWP9-Y%GX+UB6\\?I\3/L'CG4/B!<WJ^"
MD\3>!-&FU#1?3?\`@E5=:IJ_A;]H?Q%K6N^*/$6I^(?CU'?W>H>,OAMX<^%G
MB%OLWP2^"FDV27?AGPY=W$<EN--TVR;3-9U*UTN_U?3&L[J&SN='.DZQJG<_
MMV_`KQO\4O%/PE\2:?\`#.Y^/'PW\'Z9\0+3QC\#[7QO9^"1XD\5>(Y?!/\`
MP@7C>[BUJ_TCPIXKL_`EGHWC73V\.^)M6M8(+CQI;^)=+BO-8T"RMSY=&GB)
M9+@ZE"<XU*<8R45"#4[RBO>A&-6*W7P)\K6ETS[7,\7E-#Q0XBP>983"U,!C
MJ\J<JE:K7A/"RA2C*+HXFM5P%6\IKDD\34I2J+6JU(^D?V4/B]XH^.7P:L?B
M#XR^&FJ_"'7KOQ;\4-!E\!:[Y)UG1M.\%?$[QAX*T*;4VM);G3Y+[6=#\/:;
MK<\NDWVI:),^IF70M5U72&LM1NOY[OV^O$IT_P"/W[9O@;PO\4O'MI9_$'PQ
M;+XS\*>%OV9O#_CC0[#Q98?!3P5I7BN+7_'OB^33M-U.&7X8Z_\`"*^U*1=:
MTS2_"NBZDT^H7]E'::E>6?\`0#^QWX%^)/PM_9]\+^%OBX]LOC"QU#QMJ<^F
M6?B'4_%UMX5\-Z[XY\2Z_P""/`</BK6;6SU;Q,GP[\$:GX>\#?V]?VZ7&KGP
M\U^[3&?SI/S/^./[07_!('QSXI^-(^*WB+X<:MXKM/&&@:=\2].3Q!=Z/XB\
M9:UX5\)V%A#+8Z7I>MZ7JWB^/3?"_B>[\">(=/TRWNKWQ%;Z3KGPUU+2]>;1
MT\/UIFE"6(P&"I5,12H554I5&ZTY4G)JUX^[ROF=_AM:SLTEH^;P_P`SIY+Q
M;Q-C,'E&,S;+WA<9A80R_#4,>J%.I4BZ5>?UGVT(PCR*7M>=R6KC.Z4U^TD*
M%O!4:>859=)`$FWH1`!D`8/^UVS[]:_G!_8MT/XN?\+4_8HU;Q5\6_BEJ?P!
MN/''C*\_9QT[Q7\,?@)X8\.^,="?X%?&=/AWIUMH_P`-+6T\>_#_`#\'[O5?
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M7`53$0R/CZI'"X6=#$X6N_:XJAAZM2C45/$:8:=2M3E0Q*4GS2IQK7IN47!<
MW,OZ7AG`X'0=_;Z'^GTHIO)`(SR,X!`P3SSUZY_#\:*^F2NE\.RWC?IZGX;K
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M,E_X?^%_A3P)X<\7^"O&C^'_`!%\$[.ZU;X@:GXA\9_#^#PDOA5?$L,>@ZM/
MXQ\+Z1-#XAU^RO-;?5Y/#WAWQ'QG_!*^?Q=-X;_:,7XAZ#\1-(^(1_:`>;QI
M>_$R^\`3:]XAU6^^"WP7U"SU6PTOX6K-X`\-^'K7P]=:)X=TG1?#VL^(P$T*
M75-6UA=?U/5M)TOSS_@JE9>*Y?&'[/MY;Z;XLUWX>,OQ+T+Q;HOA_P#:0U;]
MFW2XM=U/3_"^M^$/$?B#7_#^LZ+K?B0Z7%X7\2Z'I.D137&GV]QXKN+V^A66
M.SD3S*F+<<BAB7&5+2#<*,)4[/GBDE&/M)0;O\-Y^CL?;X3AZEB?%NOD4ZWU
MZ$JV(@JV98FEC%7MA>=2JXFO]6IUXO7EJ3EAW*+3O3>I]M_`[X\_%?7]=\*?
M#3X]?##1/`OQ#\4>!/$_C?3KSP!XPN_B%X"OM/\`!.K^#=`\3V5UKU[X7\(W
MFA>(K:]\>>&KB#P_<:;J5G=6MSJ8T?Q+KHT+4[B/\N_VJ]8^*GPS^-_[0?B+
M0KOXG>'O&]QJ'AO6OV9M!\`_#+2[CX+^,;BU^&_@VVU+QA^T'\1W\*7GAG2H
MT\;V>M^&/'4WQ,\>^#+WP_\`"+P;H.H>!/L^JRVNJ7/W?_P2PTH:;^R%X;M&
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MV5W'-9WMC=V\KV]U:W$4MO<02O%+&\;LI_"#]B^VT#P9\3?V5_`'AK]G/0_`
MWQH\/WGC?3OVF_%<7[-MG\,_#'A#0X?A_P"-#9^%?A_\4-7T6U?QWJ,'CE/!
M/A_PGJW@3QIXW?QE\-]-\8>+/&*?:K@7UA^J'[44?QDT#X<_#[7?@M\&]`^,
M7CWPKXTT::'0_$GQ%N/AQ8>&M+UO0/$/@O7_`!G_`&O%I6N)J9\/Z-XFO6OM
M#DTK4+F[T:XU2ZT.PU#Q)8Z+877X)_L<:0+S]JC]B#X@7O@'PIX=\/\`Q$US
MXQ>)_!6HQ_M7_&#XS>-Y==U/X6?$&_M].E\$>+_#NB:/H>D>%/"EWXN\/ZS;
M:CHPU;0[Q_#FDZUXMT3Q+87?A?QXLSQ,X8W+:<:#E)RIQJ5'"=HTY.FO<FH-
M<U]VVK*ZZI&_`N24<5PMQKC*V94XX>G1Q57"X2CB,-SSQ%&G7LZV'EBJ=549
M4[<KA2J.4VI*\8-K^KU"2H^@Y]>.N.V?3M12(#M!!Z@'D>W/?C)YHKZJ.R]%
M^1^!:]E][_R'U^,7_!;JZ33?V5].UB7X?Z7XUB\/^.;?Q<-0U]_&#>'O!5WX
M&\&>-O&^CZSKMCX)U'1M6U"S\4:]X=TKX5VL%UK6DZ-;:O\`$73=4U>YGL].
M?3K[]G#R,9QGBORP_P""IK>++GX=_!S0?"6G_%+7KCQ)\;-&T;4_"WPH^('_
M``J74_%.E/X"^(EW/I?B/XI#7_#3^"/#=K=65IKT-Q'J8?Q5XMT;PK\/O*"^
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M-<QW5B;2[TNPU'6]1O\`3M(N+"W:2UM!::=9\U_P5"\9^#?"_P`3/@!%XU\?
M?`3X/:?J'A#XSQ6'Q>^*MOJUU\0_!NIVVM?!6<6_P<CT'QKX&UJUU#6],755
M\0ZM8:Q9_P!CWFG^$-1EO9A;IX;\3^72=)</TO;T83ARQC.F^:C#XXZ+F=X1
M5]%+6.EWW^RQU/,I>+^.649AB</CGB*L\/CVJ698A?[-&7-)TN>GBIRB[2E1
M4E-N\(ZV?WI^S?\`"G1_V1_V>[/P=XI\?:%?Z'X&C\<^+/$/C6XTO2/AYX1T
M32]8\2^(O'FK/;Z2E]/H_@[P5X1M=7GT_2[:XU6XM]$\,Z1:+?:E.;>:[?\`
M+']MS]HG]H#P9\3?C9H6F?M+^`OA)X7\$Q6GC3P0EKXZ^"T'B:RELOAIX:_X
M1KPIXD\(^+=.A\3_`-F7OQ`U?Q5\2?B-#>7]Q<>(?AYX?^'/AKX>3/?^*O%^
MDO\`9?[%VH:[X_\`!/PU\1^"?C?K'[47[+/C_P"&'B\WOC/XJ6?AH^,[3Q;I
M.M^$]`T;0%BTKPCX2NM6TC6+&7XHV?CJS\;6&K^(-#\0>&M*TK[>D%Y>V*>=
M?M2>/?\`@GWX7\:?%&]^-/PBT#QSXHOO[-^'_P`7-5M/AS9^,-1AT#P[\-+_
M`.)>I7WBJ]@BDO++1OA_\,->&O:_?N\6KZ=H_B#PK96$-_=:UX2L;KJQ"4L!
MAE2K?4J<734'[2RE&T;14XN7.M4E9Z]6DSR<G]KA>+<YGF&`_P!9,=5CBY8F
M,<'>=.M*=JE:>'JJB\/5@U)23C^[N[(_4&?6((_#^GK=WEI#J&K6[6NGPW4T
M,4NH7Z:?=:A):VD<K*UQ<K96-[>O!`KR+:6=U.4$-O,Z?@C^S-X'^+7AO]K[
MX5?%#QKX5^%/PS\5_$K6/$?@;XDP:/I_[,W]K?$Z^L/AGXV\=^+O%MIXH\()
M:?$O7]2\1>/[/1I?AYI>D3W%VGPA^'/BGQ+\7/"NB^*=3BN=._=_7_#_`(?U
MK1=+U2ZT73=4O/#+7&M^%;N^LK:[N]`U:YT'5?#TVJ:+<7$3S:7J<WA[7=;T
M&6_LF@NI-'UK5M,>4V6HWD$O\UG[#\7PK\._M%_LN>$H/V1/@1X0^*5MX[^,
M6H:A\7?#?QA\`:W\3);'3?`OQ9T?6_'$NA^`+708]6TSQK?^(-(C'AJW&I>`
M?"VE^+[3_A%O"&@V'AKPS)X8QS.<8XG*H5)-<TXJ,ESR4I)4MU&$M7?[3BFK
MJ^JOZ'`.&KU<CX\JX2A2DJ>!K+$4ZBPRJTZ,H5I2=-5L51;C!17-&C3KS32:
M@HW:_J1`+!3D8P.H!Z_@,<8Z44JG*J?8?Y_S^0HKZ5;+T1^+"\D>A_/^1Y_'
M\J_)C_@KIX.U'Q]\$_AUX2TSX,>%OC+?:Y\9_#-OIUGXWT?QKK?A/PGKMGX;
M\9:MX2UW7[7P%);ZS:Z5XB\7Z=H'PMO]6O[NT\*Z39_$2>_\927'A:#5[*[_
M`%G.<-SVX'IQ7Y<?'7]L_P#:!^'OQB\9?#;PA^S/X`\:^%?#EMX=N=+\<>)_
MVCO#/@>3Q!_;6G&YOK)O"UUX-UK4='O]$O(9K>XAO+EH[S3KG1M7M)V34Y;2
MQ\S-YX>.#J0Q,I0A6_=<T:4ZS3>OP0C)O:^W0^Z\.\-G%3B7!XS)L-1Q>+RQ
M_771KX^AET'"FXQ?^TUZM**UDE92N[[,X;_@C]X9TGP[\*/C0-%\&Z!X(L-1
M^.5[>KIOA/X9?$#X2^&+F1/A7\)[*YNM,\)?$?6M8UFWN[.>RET+Q/)9Q:1I
M,'C'1_$.E06%Y=Z9?>(-;QO^"D^O?%P?%OX!Z/\``;Q-X\@\?ZAX-^,QG\-_
M"KP'^SQK?B[4O"EKJWP=.N:O>?$+]HB-?#7@CPOH=^_A^TU#P[I=];ZEX[UW
M7O#$[6]S%X.$UE]>?L:?'WX@_'W2?BS<_$;X?^"?AQJO@GXE)X+L-`\$?$72
M/B=;G29?AO\`#KQC%>:UX@TB"P2VUJ>_\8:EC2KS1]%N[?1UT>Z%E<VE[::Q
MJGR]^T/^R-^P+\.?&.L?%+]HGQW\4-.USXH^.]7U7PY;7?[1OQX\.1VNM:OI
MD%SK?AOX;^%/`7CO0W33&-CJ?B2\T_3]-U&XT\:AJI^TVGANTTS3-*\NIAW+
M)J5#"5(JDTDZTY2PCA%2B^9-1DX2E\*322^=C[3!YI"AXF9CFV?8.L\?&565
M/+,+A:.?PKXBK04%3J-XG#TZ].FFJCG&<KI:/6Y]4?L`P:);?LQ^#XM%\3>-
M/%GEZW\1X_$6I_$.VT6Q\96GCF+XD^,(_B+X:UO3?#=M9^%])E\&>/1XD\'V
MNA^%8!X5T2PT.STGPU-<Z'96%S-^)_[>7C*XMOVBOVCI/"7C[X+:%XR\/ZEX
M$TF+PKX,_9C^+'Q3^//C#0I?!_PA\9:OX*\1^-=*UW3/"%OXD^(MQHMCX<L-
M(L-(D6]\$:?\/(M4\9Z!J&FV^H>$_P"@W]G?P[\'/#?P7\':/^S_`"Z9)\*A
MI#77A&^TG6KOQ+:ZE::I<7.I7.L2^)-0OM3U+Q#J6L:E=WFK:SKVK:GJ.KZS
MJ]Y?ZCJ][=ZE=75Q)^%_Q7\`ZAX:\1_M^>)?%W[6/[3FG_#OX*>(]"\5>-8;
M/4/@#HL]^;WX/^!/%][X.^'6JZM\-O$/C33]?T/P<?"B>%-8L'\"VNO>,->T
MW3-.U*?QK8^,/'=ZLUP]267X##TXQDHSIN4U-R@O9PC=\W/!RND_>N[V>C>A
MT\`YG@X<7<69OBYUZ+J4,5['#3I1I5YSQ->$>6=+ZMBZ<'!N*=-J/9586YS]
M^]0\2:9HN@>%])U'^U7N_%CSZ'I;Z=X?US6+6*^MO#.N>)9)-;O](TZ]L/#&
MF?V9X>U*.'7/$USI&BW&M2:1X:M]1E\2>(=`TK5/YC_V1O&/P2\$?$KX&_$K
MQ/\`$KP-ID/PGN-=TZ[\*_L[_P#!-S]J/PU:7/B%O"GB3X9:UX0N/C'K?A_7
M-3U3PSX8UO4+R74;C4?"OA_6-2UWPQ82>((]+G@U&RK^IM)H+;PY'<&,.D%@
M)%4KDD+'N(P1W7KV!X.,5^6_[/'_``4C^#WQI\0?!SX:W?PW^(FD?$GXH>)_
M%GP_UB>3X1>._#WPZT;Q_P##[PK\0O$/CI+3QWXQT'0-)U'3%O\`X9^)M.T;
M3K:ZN_'(EN+*/Q)X5T*[T_Q5'X>WQ]*G.KE_/7I4ZL.65*%2%22G->S:LX3I
MMM.S^TNK5[L\/@_,,;A<!Q?]6RK'XW"8B,X9C6P=?"T7A*,G54I3]O@\4U&<
M).*=-TI6NE+73]2/"OBCP]XT\-Z'XM\+ZI9:[X;\2:78:WH.M:9<Q7FFZOH^
MJ6L-[INJ:?=V[O;W5CJ%G-#=V=U`[PW%O+'+$[(RDE0>!_!?A?X=^$/#/@/P
M5H]IX?\`"'@[0-'\+^%]!L5D%CHOA_0=.M]+T;2K,2O)(MKI^G6MM:6ZO([K
M%"@9V;+$KWH/EA&,VN912E9.U[=--C\IJNBZM1T5-4>>7LU-IS4+^ZI-*SDE
MHVDKO6RV.J8@`D]._&:_#_\`X*$_!#X->$_%$WQD\5?`3]D[Q[\4?C+\5?!?
MPT\-ZY\=QJEKHUUX)\/_``OUOQ/J5[XEU_4O#?BK0/#GBSPVGAOX@:R]]%::
M1IOB#P!X<\/>'Y]4U3Q=:>&=!G_<`DC\^/\`:)!X]N>]?FO_`,%(M&^)'B'P
M;\'M!^&DG[0AUC7/BY=Z5=V/[.%QX1TKQ=J=C<?!KXPNEMXC\4>/M<T+P9X1
M\%VVIQ:9JUWK^O/J$<?B33/"^G:9IXUS4=*U"PX,TI1J8.K^[4G&SA'D4VVV
MM5%JW-T3M=:GUW`.-J8/B3`\F*>%I5Y.GB*OMYX>'L;.352K"4;4TTI23:32
MM=;D7_!-3X4:W\+_``-\7CJ/PW^!?PQT;QA\76\6^#]*_9XU6XU7X<:UX9D^
M%OPLT`>(;5YK/2$M]7N-=\/:[IFJP6OASPY:R3:4EZEA?/=R>(=<^=?^"@?Q
MCM?#G[3'PDL_"D/Q*\,?%OP=\,/BXN@^-H?V7?BG^T1\.F\)^,-;^#)\2Z6?
M#WPY.BZS>Z]>7NB:`;/Q%H7B:"#P>-)U/1_%EGY?C;P[#J7UO_P3L^!GC/X#
M_"#Q+H'CKX<^'?ASK?B#XB:_XJ-OH_COQ1\1?$'B>UU+3M"M;?Q;\3/$GBRY
MU2ZF^)6I#3GM?$,6F^(?$FBK:Z?I4NG:PR32:=IL_P"UI^T[J_[.GQ"^#=LO
MPE\:?%#PE\0T\=:+JZ^`/!B>(==T+Q/I5EH6M>$[N^UF]\3:+I.BZ-?:;9^,
M--ETV\T^_OM?U:XT233=2TE-$OK#Q!P3I)913C4F\)%<CFW&3E#F<-+)0DK-
MI:6MMLM?JL'C)5/$G'5\'AJ?$-9SQ,,+"G6I0I8GEHV4^:I]:I5(N$9:2E-3
M5W=-66U_P3UTI]*_9<\'>;9^/K6^UGQ%\4O%>N2_$SPA<>`/%VL>*/&/Q5\;
M^*_%WBB?P5>Z;HUYX8T3Q=XHUG5O%'A#1KS2=,N['PAJ^A0W5C:W"RPI^+G[
M="^/[?\`;V\6ZK?_``"LOB#K7_"M-1T[]EV6Q_9^T[QS8:S\5=.7X-ZC\)O%
M/Q!^*-SIFH6=A9:+XZUKXV:=K^C:_KOA2R\`^!O"=MXOM?LVO^*O#.MS_P!`
M/[-'QL_X7_\`"73?B6O@3Q1\-O[0U[QWHL7A'QE9KI_B6R@\&>._$G@RVU#4
M[),Q6IUZW\/Q>(+."*2YB33]4M1#>WL6RZF_GH_;X\.W^F?M+_M&:]+\.OA$
MWB3Q1/\`#JR^$7[1_P`4OCWK'A?Q;\'_`!%-\,FCATGX6:-H_P`./%5[X)B\
M%S>#/$7Q8U%?[2T?2)I=?UWQ?X@UC6-!DUG1?#/)G4HTLLP+A/FC"O1:J/G]
MY02;NHQDVYI::64K.ZZ?2>%]&OC^.^**>(PBHU\1E^9PJ8:,\/?#U:LX148U
M:M7#TXQI2:]I*G+GE34HPC=G]-\I+>%6$C+&QTWYB""`WDC/JN.^<XZ<\Y/\
ML?[`OQ,N-#_:]^&_P6D^/WPJ^(+WWQT\;^-+SQ9X0^+'BOXI>._C%J5I^RS=
M>!-;TG5K"YTA+?P?X0\0>)/!FM_'OQ#:7OBC6?#?A_QA:^$?`OAB"^@TS2-?
MF_4OQ;K7[<_C?]GGXCZWXXUN3]DCQ%X%^*6BZAX=N?@;X;T?]I;4_''P.L?`
MW@VX\0V,=AXH\&7VI:OK>L>*=:\<6]K=Z5\.?"_B#1;GPSH4-MX<\3:1;7M[
MXY_/C]B'4_$'C?XP_L3V_AWXH?M-^*?`'A&YU3Q8GP\\?_LH:5\._`7P_P!,
MN/V?OB1X=T"T/Q)\.?!OX>^&[?3='7Q5'X<T$Z'XT\3Z!=SS:3I6@:->Z5>V
M>N:#AF.)=?'91",:M+EE";<Z<%[2,G3BX>].,XK2\FH2DE;1*[/4X*R6GE?"
MWB-5Q5;+L>JM*OAO9T,5B7]4KT*-:K#$1JT,+6PU9/GC"G">)A3=Y>_SQC%_
MT_J20/7`+9R.3SZ=^<CM10`"JYYP`,\_0_RHK[-;*W9'\TV79?<A3D#[V,=2
M<`?_`%O\/4U^:_\`P4W_`&J/B=^RW^S]?_$+X.Z-X=U7Q':ZCJUMJVN>)M,U
MK7_#O@>PTKP!XS\86NI:YHWAZ6SO[@>)O$'ASP]\-M(EN-5T?3=-U_Q_HFM:
MG=7-AI\NE:C^D^`H;'UZ^V/PZ?CZ^GX#?'OXO>"?`O[0/[47_"G_`(8_M>ZI
M\9=/^)W@9?B7XJ^&:IJWPQ&K:I\"?A!::+?-I'BX>)OAC/867@\^%X-<5/A]
MXE^(FBWMA?ZT]O:>&+W2+J?R\WQ#P^$DXS]G*5TIJ/-).*3NHI>\[=+Q\FM&
MON_#W*(YOQ#AZ=3"+'TJ#C5J8252%&G6C*<:?)5K5-*4&YKW^2I9_P#+N2NG
M^E7['_[25U^TCX:^*'C73XH]2^'NA?$N]\.?"CQQ!IFIZ79?$7P;9^"O!.L7
MWB73UU)$74+'3?'FM>-?`MIK>F`Z3K<'@Y-5LWD%U([?@_\`\%"?VI=!^,GQ
M?\"Z)XJ\5?"SX+_$K]GSXS^/M8\)>`?B]X\\0:=X2UOP[\*/C;\#]2\*_$OQ
M;J6G^&_M?@CX@?$#3?!_BB+X5:9;>$?'VF7WP>\>>,=9B\6V%_=S:7)^Y7["
MOQ&^)WQ7^$.MZS\5_$/P<UWQ%;>-->T.UC^#.N7'B/3O#VD:?;:8MOX<\<ZO
M-I^BV\_Q+TN[EU`^*H=,\/>&M-M1<6%O;:+;-')/<_EG\?\`X'_$O]D']HJT
M^)7AOX__``5\,>&/B=JO[1FLZ/%XZ^!/C7XG_%?5/%?Q@\:?"_QSK7AZVT;P
M/\1=.\1_$2QT'2_!EMINCZOX>TWPY9>`/A[X.\,Z#XET3Q2YL/%&C>)FCQ5?
M*<*Z=1SI3<'B*DJ<;J+Y)1DH>V@XVE9K]X^7=WL?J'A_2R/*_$+/:.*PJP^/
MP<<13R;!T<7/E=:$94Z]+ZQ#+\1&K&5)R3_V./-=N-DN4_2[_@F3KVE^)OV1
M_"7B'2O&]A\0X-:\:_&O6+WQ9HNGWVF^&KW6]4^-OQ$OO$5AX,M=1NKR]_X0
M30-?N-1\/>!+BYE1[SP=I6B7HM;!9ULK;\S_`-KR/PA%\8_VQ?B5<_#/0#X"
M^%-M8:%\:7\0_%/5['Q)\3=2\;?!_P"$MWXJ'PR^'5]H^N>!EU[Q)\*[#X=_
M"C0KWQ!&6\?ZY8Z[\.]-3PO#J7B77]>_57_@GQ8^)+/]F;0KKQ7XH^'_`(SU
MGQ!XX^,_C&;Q3\+M*L]#\$ZY:^-_C/X_\7Z7J6EZ/9ACIEW<Z5K=D^OV&H7>
MJ:[:^(CJT/B/6]=U]-2UB_\`QV_;2^*FO>#_`-L3XS#1/"'[)/C;QQX7TCP/
MKGP>\<_&[^V=7\4?!_QQK7@\:?8Z!<>*8?A]J_A7X4Z=?:WHV@^*?"WA[QEX
MU\":;K.L>*[W78/%CGQ;=0>%M,;*G#*\N5:22<Z,;N*?OJ$;;\UM=='O97?7
MSN$H8JOQYQC/+H-U%0S*HX1G-.-%5H>UCS15%-*+<7)TX\L6WR:<I_2#';I>
M^&HX5B5?/L%`1TZ;HL*"&`&!GG..PXQQ^,?[*W[*'Q\^&WQC^"M[J?PU_P"$
M3U#P#+K]Q^T=^T%>?%F3Q9<?M/37_@/Q-H%M#IWA@27>K+8ZE\0M8T7XDK'X
MWL_#?_"M[7PO;^"_!2:CHU[<%OV=6[D_X1G[0I"SC3]^!SM81%@!C@8X('X$
M]Z_#O]C?]L3]J/QS\5_@]\%_$7B#X%>(O"FB>+/B!X6\;>*=(\:^-_$_C7QO
MX-\!>&OB+H_A[6-`\0^(_">A>"_B%KK^(M*\`7GQ`UOP7XHUW7+6XN=3N=8\
M(^'([S6+/PQW8Z6$]OEWMU/VG-'V+A&#3E>G=/F3<6UI[K6S5]6CY?A>'$#R
MKC+^RE0>#C2E_:M.M6KPY:#]JE.,:-2$*Z7O)*O&<.;EE922:_>H$#J?S(Z_
MAW]1T'`%%`PP!X.0.W^.:*]V.R]%^1^6V?=_A_D+C@@<<$#\?SKX)UG]ANS\
M<_%;XM^.?B1\9OBUXE\$_$7Q=X>\3:!\(]!\9>)/A]X/\&6NB?#GP=X)O=':
M\\(:QI_B?7[77]7\-:AXIU?2[C7;#P;<3ZU]EE\&2Z@NO:[XG**RK8>CB(J-
M:"G%.Z3VOYKJFM&F>EEF;9AE4ZM;+\3/"U:D.252F[345.+3A+>$E**DI1::
M:33/J#X0_!#X5?`;PP_@WX1>!O#?P_\`#LVH76L76E>&=)LM*MK_`%B]C@BO
M=:U,6D,3:GK-]':VR7NJW[SZA=I;P+<7$@B3;XW^T5^S=XD^+'BOP'\3/AY\
M1HOAG\3?AYH/CCPAHVN:GX1L/'GAV[\*?$>\\$ZCXKTS5/#-Y?Z+</=RZC\.
M_"5[I6K:9KVDWFG2Z?<6TQO],U._L+@HJ)X:C.C[!PY::<4HP;C:W+:SC9JW
M2UMD7A<YS'#9FLTAB95,=*4Y3KXA1Q$JDJEE-U%64XU.=2:DIJ2=ST+]G'X)
M6W[/OPITOX;P^)M9\9W5OK7C7Q5KWBW7X]-AU;Q)XO\`B/XV\0_$7QKKMW:Z
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MQC:&XOO'-SX;\`^+?$6B:/+9Z?X3%S-J3ZQXF3Q#K,,-\A11]0P]J%U.7L>5
MPYJDF])0^)MWEKK[S>J79$/B?-HU,SG"IAZ7]J1MBX4L)AJ=.5URMTJ<*:CA
>VXRDKT5!V;6S/TEV@@9&2`!WHHHKNLNR^Y'SA__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>exhibit5-1.htm
<DESCRIPTION>OPINION OF GREENSFELDER, HEMKER & GALE, P.C.
<TEXT>
<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">

<P align=left><FONT face=serif size=2>Exhibit 5.1 Opinion of Greensfelder,
Hemker &amp; Gale, P.C. </FONT></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD vAlign=top width="80%"><IMG src="enterprise_s3-a3x7x1.jpg" border=0></TD>
    <TD vAlign=top noWrap width="20%">
      <P align=left><FONT face=serif size=2>Greensfelder, Hemker &amp; Gale,
      P.C. <BR>2000 Equitable Building <BR>10 South Broadway <BR>St. Louis, MO
      63102 </FONT></P>
      <P align=left><FONT face=serif size=2>T: 314-241-9090 <BR>F: 314-241-8624
      <BR>www.greensfelder.com</FONT></P></TD></TR></TABLE>
<P align=left><FONT face=serif size=2></FONT></P><FONT face=serif size=2>January
16, 2009 </FONT>
<P></P>
<P align=left><FONT face=serif size=2>Enterprise Financial Services Corp <BR>150
North Meramec Avenue <BR>Suite 300 <BR>Clayton, MO 63105 </FONT></P>
<P align=left><FONT face=serif size=2>Ladies and Gentlemen: </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We have
acted as counsel to Enterprise Financial Services Corp (the &#147;Company&#148;) in
connection with the preparation and filing with the Securities and Exchange
Commission of the registration statement of the Company on Form S-3 under the
Securities Act of 1933, as amended, (the &#147;Registration Statement&#148;), with respect
to (i) up to 324,074 shares of the Company&#146;s Common Stock (the &#147;Warrant Shares&#148;)
issuable upon the exercise of a warrant issued in a private placement on
December 19, 2008 (the &#147;Warrant&#148;), (ii) up to 2,245,984 shares of the Company&#146;s
Common Stock (the &#147;Conversion Shares&#148;) issuable upon conversion of the original
principal amount of trust preferred securities issued by a statutory trust
subsidiary of the Company on December 12, 2008 (the &#147;Trust Securities&#148;),
including conversion of any accrued unpaid interest thereon which is convertible
in accordance with the terms of the Trust Securities, (iii) up to 35,000 shares
of Fixed Rate Cumulative Perpetual Preferred Stock, Series A, $.01 par value,
(the &#147;Series A Preferred Shares&#148;) and (iv) the Warrant. The Warrant Shares and
the Conversion Shares are collectively referred to herein as the &#147;Common
Shares.&#148; </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In so
acting, we have examined originals or copies (certified or otherwise identified
to our satisfaction) of the Registration Statement and such corporate records,
agreements, documents and other instruments, and such certificates or comparable
documents or public officials and of officers and representatives of the
Company, and have made such inquiries of such officers and representatives, as
we have deemed relevant and necessary as a basis for the opinions hereinafter
set forth.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In rendering
the opinions expressed below, we express no opinion other than as to the laws of
the State of Missouri and the General Corporation Law of the State of Delaware.
</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>

<P align=right><FONT face=serif size=2>Enterprise Financial Services Corp
<BR>January 16, 2009 <BR>Page 2 </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2>In such
examination, we have assumed the genuineness of all signatures, the legal
capacity of all natural persons, the authenticity of all documents submitted to
us as originals, the conformity to original documents of all documents submitted
to us as certified, conformed or photostatic copies and the authenticity of the
originals of such latter documents. As to all questions of fact material to
these opinions that have not been independently established, we </FONT>have
relied upon certificates or comparable documents of officers and representatives
of the Company.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Based on the foregoing, we are of
the opinion that</FONT></P>
<P style="PADDING-LEFT: 16px" align=left><FONT face=serif size=2>(i) the Series
A Preferred Shares have been duly authorized and are validly issued, fully paid
and non-assessable;</FONT></P>
<P style="PADDING-LEFT: 16px" align=left><FONT face=serif size=2>(ii) the
Warrant Shares and the Conversion Shares have been duly authorized and if, as
and when Common Shares are issued in accordance with the terms of the Warrant
and/or the Trust Securities, as applicable (including delivery against payment
therefor in accordance with the terms of the Warrant), such Common Shares will
be validly issued, fully paid and non-assessable; and </FONT></P>
<P style="PADDING-LEFT: 16px" align=left><FONT face=serif size=2>(iii) the
Warrant constitutes a valid and binding obligation of the Company enforceable
against the Company in accordance with its terms, except as the same may be
limited by general equitable principles, regardless of whether such
enforceability is considered in a proceeding at law or in equity.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>We hereby
consent to your filing this opinion as an exhibit to the Registration Statement
and to the reference to our firm under the caption &#147;Legal Matters&#148; contained in
the Prospectus included therein. We do not thereby admit that we are in the
category of persons whose consent is required under Section 7 of the Securities
Act of 1933, as amended, or the rules and regulations of the Securities and
Exchange Commission. </FONT></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>Very truly yours,</FONT>&nbsp; </TD></TR>
  <TR>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif size=2>GREENSFELDER,
      HEMKER &amp; GALE, P.C.</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%" colSpan=2>&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>By</FONT>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>/s/ Greensfelder, Hemker &amp; Gale,
      P.C.</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="49%"><FONT face=serif size=2>Greensfelder, Hemker &amp; Gale,
      P.C.</FONT>&nbsp; </TD></TR></TABLE><BR>
<P align=left><FONT face=serif size=2>PRS </FONT></P>
<HR align=center width="100%" noShade SIZE=2>



</BODY>

</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>enterprise_s3-a3x7x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 enterprise_s3-a3x7x1.jpg
M_]C_X``02D9)1@`!`0```0`!``#_VP!#``$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_
MVP!#`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_P``1"``M`/P#`2(``A$!`Q$!_\0`
M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4%
M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!
M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$"
M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#M?VQ/^#Q7
MXN?LR?M;_M0_LV:-^PW\./%.E?L]?M#_`!H^!MAXIU/XU^)K#4/$]M\)?B-X
MC\`Q^([S3K7P!-;:;/KH\/\`]JOID-Q=QZ<;O["M[?"#[7-_5?\`\$G?VX=<
M_P""D/[`'P#_`&T/$GP_TKX6:U\9?^%I_;?`>B:[>>)M+T+_`(5W\:OB-\*;
M?[+K=_IVE7=[_:=IX&@UF;S;"#[-<:A+:1^;';I-)_(+^VG_`,&?W[7W[2_[
M8G[5W[1_A/\`:J_9NT'PQ^T#^TC\</C?H&@^(M,^)ZZ]H6D?%CXF>)O'MAHF
ML'3?"U_I\FI:1;:_'IUY-97<UK<3VSSPLL<BHO\`7+_P2"_8D\<?\$YO^"=G
M[//[&GQ'\8>%/'OC/X.?\+9_MGQ9X(CU>'PQJW_"POCE\3/BIIW]F1Z]9:=J
MJ_8=*\<6.FWOVJSASJ%G=M!YEL897`/Q'_X+5_\`!RS\2O\`@E'^V:G[*_A3
M]E/P-\8]*?X1^!?B7_PF'B'XG:_X2U`7/B^_\36<VD_V3IOA/6;;R+%=`C>.
MZ^V>9,;EU:*,1J6_17_@A)_P5W\7?\%A/@/\:/C%XP^"GASX(7GPK^+EM\-+
M70_#7C'4_&5MK%M<>#=#\4G5KB]U30]#EM)UEU=[,6L<$T9C@67S0SE%_++_
M`(+E_P#!MM^TI_P53_;=C_:C^%/Q_P#@=\-?"R?!SP#\-CX;^(5GX]G\0'4_
M".H>*;R\U`/X;\.:IIWV&Z37K=+8?:OM`:";S8D!0M^E/_!O_P#\$D?BY_P2
M&_9]^-_P?^,'Q0^''Q2UCXI?&.U^).E:K\-H/$T&F:;ID'@G0?"[:?J"^*-)
MTFZ:^:ZTF:Y!MH9;?[/+&#+YFY5`/WPK!\4^*O#'@?PYKGC'QKXCT'P?X1\,
MZ7>:WXD\4^*=8T_P_P"'/#VBZ=`]SJ&KZYKFK7%IIFDZ78VT<EQ>7]_=6]I:
MP(\L\J1JS#>K^-F?Q9XQ_P""YW_!=3X]_LH?$;7-1O\`_@E__P`$N-1:+XC_
M```%S-!X)_:&_:,\(^(;CPE96_Q<TBWBLF\6:59?%32O%]Q8:#XADUWPK'X7
M^$,EG9Z=:W/Q!\074X!^_P#I_P#P5]_X)S:[;:YJGA+]I/2_B#X9\.7LUAK/
MCSX7_#OXO_%+X96=Q;1QRW9_X6A\._A]XG^'EQ;6:2`WM]:^)I[*R*RK=7$+
M03"/Z2^`G[9?[)'[4T8;]FW]IKX#_'6<:5<:Y<:;\*OBMX)\<:YI^D6=SIUE
M>W^K:!X?UJ^UO1X+&]UC2;*_.JZ?9M8WFJ:=:W:PSWMM'+[SX9\,>&O!7AW0
M_!_@WP]H?A+PEX8TJPT'PUX7\,Z38:#X=\/:'I=M'9Z9HVAZ)I5O::9I.E:=
M9PQ6MAIUA:V]G9VT4<%O#'$BJ/S9\(_\$U_AS\*_^"JEW_P45^#_`(2^&WP]
MMOB7^QY\6O@'\?M&\-V%QX>U[QY\4=?^-GP$^)/P_P#B4VB:3I`\,:I>7'AW
MP/\`$+1OB#XGO=0TOQ->7L7@(-:^)X[C4K_P\`?J%17X@_'#_@I3^U_X!_X*
M2?"K_@FOX2_96_9Q_P"$M^.OPQ\=_&SX5?&KQ)^U1\2M4\+3?#SP`WB>*_L/
M'OP^TO\`93T36O"?CG49/#,S0Z;H'B_QUX>LH;JS/_"1ZC++=1Z?[IX(_P""
MCVL>&/VU?"?[`_[8_P`#[#]G+XU?&;PKXG\:?LN^-O!7Q2E^-?P*_:.TCP0E
MS=^,O#_ASQI??#OX4>+/!/Q/\,Z-"NN:MX#\:_#^RL_L8DCT?Q?KDEWX9?Q.
M`?J517Y;_P#!4;_@HAXY_P"":OPIT#X[-^SKI/QU^%VL^._AU\*[A-'^-9\`
M_$6P\??$G6M8T?1E7PIK/PKUOPM=^#H9;31H;GQ"/B+!K:ZAK;P'P>FEZ7/K
M<^C\1/VO/VW/A#X6N?B'\1/V`/"T?P\\/:CH,GC[6?!7[7V@^+=>\(^"[W7-
M.T[Q/XZ7PS=_!7PVVN:9X'T:[O/%6N:=9:K%J4VC:3??V?%<7*QQ,`?IO17Y
M;_\`!4?_`(*'?$'_`()J?""R_:#_`.&:].^//P@_X2CP#X"URXT3XW6_@#X@
MZ'XQ^(GB6Z\,Z)GP?KWPSU?0-2\)&_F\.VDFO67CUM=34-;G2?P?;:/I,VNW
M#?C#^V1^W3\#?AOXJ^+?C3_@G=X9U7P3X"TYO$?C<^!OVR/#/B#Q'HO@W3I$
MF\4>*K;0]5^"OAN'5;3PIH:WWB+5;*WU6/4)M,TV[%A!=70C@<`_4JBOQF_X
M+"_\%3?BM_P2D\#?![XOZ5^R)I_[4/PH^)_Q0T;X-ZB/"WQTUSP/\8-`\=:O
MX7^(/C[_`(DOPO@_9_\`B%HOB[PU;>!OAKXBU.36#\2/#VH)K"1:7<Z#::87
M\1+^C7[,7[4GP$_;)^#'A#X__LV_$KPW\4_A;XTLX[C3?$'AV^BN)-.O_LUM
M<7_AGQ-INX:AX7\8:$;J&V\0^%==M['7-$O&^SZA90.4W`'O]%?E[X._;-_:
MYU[_`(*'>,/V']?_`&1_@5H7@[P/\'_!_P"T/K7QWTO]L?QEX@O9_@W\1_B)
M\3/AIX#;2?A/<_L=^'Y[KXI:AKGPK\2W.O\`@F]\>Z;X0T#3K:26V^*6MSR:
M7;ZLOA?]M7X^?M(?&W]J3X:?L=_"7X)Z_P""_P!C[XF1_`SXC?$7X\_&#QEX
M#E\=_':T\):-XS\5?#[P1X0\"?"?XAZUX?\`"O@VQ\1^'M'UGXK>)S<0:EK^
MI:C!X0\">*+#PU>W]Z`?J#17YO6W[8G[3=S^QM\=/V@;W]B^T\$?'WX`:I\7
M+7Q7^S)\2_CO>>'-,U[2_A-:77B%M8\$_'#P]\$O&FE>)+7X@^"ETOQ'\/+Z
MW\!Q^&]3GUNTT?6_$OAZ2TU6\L/C[]D;_@I;_P`%+/VUOV<?A7^U)\&/^"7_
M`.SPOPP^,6AWGB'P@/%W_!2W5="\1C3['7-5\/3_`-JZ3!^PAJ<-E/\`VAH]
MYLC2_N0T'E2;P7**`?O%17XP_P#!0'_@IS^T=^P?_P`$\O!?_!0/5_V(/#7B
MS2+/X>?!'Q5^T5\%/$_[3NJ?#'XE_`OQ9\9;[P9X8D\%:<S_`+-WC32_B,O@
MCXA>-]*\&>(-4GD\!ZL\BSZO#X3CM;>\AM,7QU^WQ_P56\!?`7Q)^T5<_P#!
M*#X'>*O!/A;X87?Q>O\`P_X%_P""DU[KOQ#U'P=IWAT^+=1C\-^%[[]AS1;?
M7/$D.@1W%S:>'(=9AOM6O(!I6E&[U*YM+:X`/VXHK\A/^"PO_!2KXQ?\$K/V
M?#^U/X?_`&6O`?[1WP8T/6?#'ACQ[]L_:5UCX,?$?PYK_C+6WT30)M%\(_\`
M#.GQ4\.^*/#!N6L8-4U5_'NA:[8WNHP1VWA/4--AOM7M?TL^$6L?&37/!MMJ
M'QU^'_PW^&?CV6X;[3X5^%GQ9\2?&GPM:V1M+.2.0>-O%/P;^!>I3WXO9+^U
MGLT\#+:1P6MK=PZI<M>RVMB`>GT5^)_QY_X*A_M(?!3_`(*=_LX_\$W(OV/?
M@QXGNOVM/#GQ8\:_!/XSS?MB>,]!TU/"WPD\$^./&NL#XF^!H_V-M=O_``?X
MGOK7P+>6EKH_AGQ%\0M&1]4TN7_A*9<:A#8>W_M%_MM?M6?L@^'+WXO_`!S_
M`&%[7QW^SIX9LI=5^)GC[]C_`/:#O/CW\3/A/X=L(VGUWQWXP^"/Q*^`_P"S
MAJNM>`/#]F1J6LZG\,/%?Q#\4:7I%IK.LZGX+L=)TE[VX`/U!HK\C_VV/^"I
M"_`7_@GI_P`/+_V3?AU\*OVT?V<]-\):?\0-<O3\?_$'P2U>_P#!.L^*/#_@
M[3K_`,`0K\`OBU:^(->TO7M8OX/&_A+QM<?#'6/"/_"/ZKIDB:GXK@E\,P>-
M^!?^"BW_``5,^)W[+/@K]K;X??\`!)_X'>+/`'Q%^`GAC]HGP5X5TO\`X*4W
M8^)/B'P9XQ^'UC\2/#NB6/AR\_8:M=-_X334M#U*SLX=$FU^*V.M2BP_M,J1
M<$`_=2BORA_;W_X*+?%7]D']@:S_`."@?PV_9G\(_''X>:/\-?`GQ4^)7@7Q
M=\?=>^!GCSPUX:^(/_")0Z4OA6W;]GWXHZ=XMU+2[SQ;;CQ!IWB&[^'EY965
ME<S6,.IZD5T<<?\`$;_@I=^T/\#/V6_`'[<?QB_8I\-:C^RKK7PO\#?%[XIZ
M]\`/VG9_BG\8O@UX"\<Z#H^OQ^*M5^$WQ&_9^^`FC^,]!\,6VN67_"6-X-^)
M>H^(]/MXK_4K'PQJ>G6,]R`#]CJ*X/X6_$_P#\:_AMX"^,'PJ\4:;XV^&OQ/
M\(^'_'G@/Q=I!G_LWQ'X3\4Z7;:SH6KVB74-M>01WVG7EO,;6]MK6^M'9[6^
MM;:[AF@C[R@#\V?#'[<?QX^)S^.=7^#'[`_Q9^)'P^\'_&?X]_!*Q\=M\;/V
M;?!L/BCQ#^SI\;OB!\`/'FJZ?X<\4_$FR\0Z?HTWC[X:>)ET-M8LK.^OM'2Q
MU&6SM3=B"/ZQ_9O^,VH_'SX3V/Q&UKX<>(/A'KO_``FOQ=\`>(/AWXHUOPKX
MDUGPYXB^#GQ>\=?![7XY]=\$ZMKGAC4[34=8\"7NKZ5=:5JERKZ3J%B+I;:^
M6YM8/SY_9T^(7[4'[+?A3XH?"/5_^";W[7GQ6!_:\_;Q^*N@?$7X4_$?_@GB
M/`7B[P-^T)^V[^T'^T%\.M8T.'XJ?MV_"WXA64DW@+XG^&TUC3?%?@#PUJFE
MZ['J>G-9S0VL-[=?:/[&&E>/M+^!9N/B;\,?%?P:\7^*OC5^U/\`$>X^&?CG
M6?AOK_B_PIH?Q4_:C^,GQ*\'6OB/5/A%X]^)_P`.)M5O/!OBO0-4NH/"WC[Q
M-9V#WQT^YODU&UO+6W`/QR_X*D?\')/[-?\`P2L_:>3]ESXK?`#XX_$KQ2_P
MX\)_$D>)/A[=^`H/#XTSQ==Z[9V>GE/$GB/2]1^W6KZ#</<M]E^SE9X?*D<A
MPOVK_P`$D?\`@K=\(O\`@KS\(OBA\8/@_P#"_P"(_P`+='^%OQ'@^&VJZ5\2
M9_#,^IZEJ<_AG2?%"ZAI[>%]6U:U6Q6UU:&V9;F:*X^T12$1F,JQ_EE_X.3_
M`/@B7_P4Z_;\_P""CL7QZ_9)_9F_X6S\)U_9_P#A?X(;Q7_PN;]GWP)CQ/X=
MU3QK<ZSIG]A?$OXK^#?$A^QPZMI[_;1H_P#9]Q]HVVMW.\4ZQ?K_`/\`!K;_
M`,$[_P!L3_@G-^RQ^T?\./VR_@__`,*<\9^/?V@++QOX3T;_`(6!\+OB%_:W
MAB'X=>&-!DU/^T?A7XV\<:58[=5TZ\M?L6I7UGJ!\GSUM#;213.`?T^U_$[_
M`,&^>LQ?LK?\%NO^"Z'[$_Q6OTT[XI?%OXNI\8?A^=:WZ9J'C;PGX&^)?QC\
M9:?JFFV=Q-<^=>>*/AQ^T7X2^(46GK>WEXNAK?7T,EY9V%]>Q_VQ5^.?_!0G
M_@CY\//VP_C+\+OVT/@G\5?$_P"R#_P4*^`44)^$'[4/@'0]#\4V=]!80ZC;
MZ?X6^,?PU\11'0OB7X/%CK.MZ-+;O<Z1JTVAZS>Z!JNHZYX2+^%K@`_6?QA:
M^,;WPWJMKX`UWPUX9\8311+HFN^,/">J>.?#>GSK<P//)JOA31?&GP\U36(I
M+-;F"*&T\9:$\-S+!=O<3Q6\EE<_S@?!G_@H9_P5<\<?\%M?C!_P2K\6:A^P
M'#\-_@A\'[?]HSQ!\:="_9Z_:`LO%_B_X3:C;?"V/2M(T#P???MBZQI6@^-9
MO$GQ9T3PUJ5QJNJZII6G6^D:WXFM;'5X?[-T6]_1+X;'_@M?HEG;^&/BE9?\
M$R/'SV-C):CXP^&O%?[3W@/5M;N$GAM['4-7^!DWPX\5Z-97AL/.U+61H_QM
MM].U+5D-CI.F>&M.NDFTWF_V4?\`@F%XE^%/[>OQH_X*<_M"_'VR^*_[5WQQ
M^"FD?`36/#?PF^&(^#W[/O@WX<V%W\/-5;2="\*>*?&OQ@^(NOZ_;ZC\,O"Z
MP^,=5^)6G17D*ZQ+-X2M/[5MK31P#\\?VV=:\7>'_P#@YD_X)M:GX(\$_P#"
MP?$,7[`_[1$=MX8_X233/"?VJ":_^)\=U<?VUJ\4UC!]C@+7'E21E[C9Y49#
ML#7,?#_XR:'^VG_P7M\#Z)^WKX+\2?L;_%[]@/P%X^O/^"?W[,7C?5=-U&V_
M:0OOC':G1/B+^T?HOQ:TK43X.\>PV_AOPI;V.@?"CP98-=Z7+HB:[JOBK7-4
M\*>,?"7AS]!/BU_P3,_:@^)?_!2SX)?\%(;']L3X&>'/$?P!^%7CWX+^!_A1
M<_L8^.M=\.ZAX'\?3>+WOI_%OB2/]M;1=6U/Q79Q>*D6WU?1;+PYI#S:3!*W
MAM8KJYMF^AO^"BO_``3!_9__`."EGPY\!>'OC)>^*_`OQ:^#'B.'Q_\``3]H
MKX0Z@OA+XK_!?XC6HL[F'Q#X/U.<:F'T:YU;2]'U+5?"NI2W=M=SZ+HVH6E_
MIOB70]"\1Z6`?G5_P='_`-I?\.R=!_L;[#_;'_#8W[*/]D_VI]H_LW^TO^%B
M?Z#_`&C]D_TK[#]J\K[7]F_TC[/YGD_O-M?>WC&P_P""K]IXN^`L\_C#]DC6
M/AFO[0/PV3X\V'PA^''Q0\._$27X-37&HP^(7T#4?B#\2O&6B+;0Z])X8E\3
MQVVE1:O_`,(@GB"73[^W:*1)OB/]JW_@E3_P48_;<_9,\,_L:_M`?\%"O@#<
MZ%X%\=?#WQ_I/[2^B?L:^*[GX[>-=7^%5_\`VAX0F\=>"[C]IS3/A3!K=U?2
M+?\`B77M$MC8:G)I<%NOA6)]6O[^W^YOB)\!O^"JOQ`^'?C+P!!^WY^QAX#N
M/&/A/6_"J^/O`O\`P3:^--IX[\+-K>F7&F/XD\*W7B+_`(*@>)?#5GXETY;A
MKW2KK4_#&KZ=:W\<,\FESQQB&@#X5_X.BAJ)_P""3'C0:.UDFKG]HC]E4:6^
MI)/+IR:B?CAX3^PMJ$=K)%<R62W/E&[2WEBG>`2+#(DA5A]U:]:_\%4+'XC_
M`+/#ZYXH_9-USX2R_'#08?CI;_![X>?%SPY\0(OADWA?Q>99=-O?'/Q(\8^'
M_P"RQXN'A0>(2^GQ:@NC_:1ITZSN7C\@_P""B'_!,#XQ_MQ_LD>"_P!B_P`)
M_M4?#GX'_"?PB/@3<MK>I_LR^*OBY\1;W5/@7-I^H:3-#K]Q^U'X"T.VT[6-
M8T/0[JYL[_PKK.HV]G;7]E+K>HSZBNH6?N?BGX.?\%7?$7A77/#FG?MZ_L1^
M#-2U?1KS2K3QKX6_X)G_`!E?Q5X=NKNV>WCU_0X_%'_!3_Q-X4.LV+O]KLQK
M/A;6-(%RB&YTFY@!@(!\\?\`!9#_`)&[_@C=_P!IJ?V6?_5(?M35^>_[5O[,
M_P`5O^"$/QD\:?\`!2G_`()V>"/%'Q#_`&(?B=XJ_P"$@_X*+?L`^&8I;^R\
M)Z=<-?WFH_M1?LY6FQXO!K^#DEN9_%GA:,P^'M'TN1(9GT_X9PK/\)OU._:L
M_P"">'QJ^/GA[]@/PI\/?VGOAS\,=%_8.^,/P,^/FCR>-?V:_$OQ:UGXF_$S
MX&^!?&/PZTQ=<U'2?VF/A/;:#X)\0^'?&NJR:KX?LM,U'Q#!JZ6]]:^-!`IL
M3^INE6NJ?V%IMEXHNM)UK6O[)L[7Q%?:5HUQHNA:MJGV..+5[K3?#^HZSXEN
M])TF_N_M$UGHU]X@U^XL+.6.RN=9U62)[V<`_%?]D;]HCX.?M8?\%4OB)^T+
M\`?'.D?$7X2_$_\`X)&_L8^(/"7BG1Y&,5S;M^UY^WA:WVG:A:2JEYH^OZ%J
M=O>:)XCT#4X;;5M!URPO](U2UMKZSGA3Y]_;A_X)E_MC?LZ?M#?&7_@IW_P1
MF^*.F^%/VC/B;IMOK'[3/[%7Q-TZ#7?V?OVO;OP];&2#6-.BGU70W\$_%F01
M2R6]U:ZQX?/B'5M1U*2P\>?#Y_$7C0^-OM/]B7_@D+\!/^"?O[8_[5W[2W[-
MMW)X/^'?[5?A'P3::I\`X-.AC\*_#+QMX;\5^,/$FO:A\-KJWFBCT3P%XF?Q
M2+JS^'PTXV?A'5X]47P_J$7AJ_TGPUX;[[P_^S?^W5\"M:^,5K^SQ^T9^S;X
M@^%GQ-^,WQ/^,_@_X=_'C]G3QS)K/P<U;XP>+]?^)'C_`$#2_'WPL^.GA*#Q
M]X<UOXC^*?$'BVVBU[P/HGB'2[S6=7BN/$^MV]Y91:0`?-?[)G_!3#0/^"G'
M_!-/]KCXB7GPP\2?`;XY_!KP1^T+\#OVEO@)XM%\=:^%?Q?\)?#G7&U?2([C
M4],T74KK2KN"XCE@75-'TO5M&U6#6_"VKVAU/P]=75S\;_\`!#7P!_P4=UC_
M`((W?L=S_`O]JG]CCP)X4U#X1>,_^%?>'_B1^PU\8OB'XW\/23?$+Q^EG#K_
M`,2]!_;Z\`^%M:N(-7,D]OJ\'P0M+2SL6M8;[PQX@FM+F35?T@^$/_!,GQ5\
M#/V7_P!KSX9^!/VBM*U;]J']N?QM\3?B?^T3^U!\0_@H=?\`#6I_$#XLZ&?"
M_B"\\$?`3PK\5O`5OX2\*^&O#Q^R?#SPG=?%'Q#_`&%>%[[Q'K'C-)I[27U7
M_@EW^Q5\4?\`@GI^R;\/?V1O''QZ\$?M`^$/@]I<^@_#'Q5X=^!6M?!/Q1;Z
M+J/B;Q1XHU2W\<K??'3XQZ/XKO%N_$-O8Z->Z#IW@9-/TW3"FIVFO7]Z^HP`
M'Y:_\'`UC\4=,_X-J/CEIOQPNGO?C5I_P=_89L?B_>R76F7KW?Q1M/VCOV8H
M/B!=/>:)_P`2:[>X\61ZM*UUI'_$LG+F6P_T5XJ^TO"6C?\`!4C_`(5)^R;*
M/''[*FH?#VW\:?LA3_$S3?A)\./C/X:^+%_\'D\9_#L>-(=!UKQ)\5_$WABS
MABT)C>>/X]0TBX@O_AW:^--.L&CU"[L6KO\`_@K)_P`$_P#XR?\`!3+]E_Q_
M^R!X<_:3^'7[/WP>^*T7P]/CZ^U7]G#Q#\9/B-<7?P]^)&E?$ZS/AKQ);_M'
M_";PWH.GZAKGA/P7!/:7W@CQ!>PV>G:^B:JY\06?_"/7M+_9Z_X*I:#\+-(^
M&'A[]OW]BW1)-`\#Z3X)T?X@6O\`P3-^*]YXWL1HVBVVBV7B98-8_P""F6I^
M`KCQ'LM8[^5+SP-<^&I+]G'_``CBV!6Q0`_.W_@[0_Y0K?'#_LJO[/O_`*M3
M0:_I3K\-_P!O'_@D/\4OVTO^"=/PI_X)P6O[7_A[P#\//`WP[^`7A/QI\5/%
M?[.FL?%3XL_$?Q5\#+32XW\<3:C;?M%?#GP]HDGCO4=%T_6_$.FW6@>)-0CU
M.;5IE\27(U%%L_J/Q3\`_P#@IE\0?#USX&\6_MW_`+*WAKPEXC%KH_C36_@I
M^P%\8/AU\8)/!]W/%;^*[+X>_$/Q5_P4=^*7A_X>^,=9T%M0T[0_'3?#GQ//
MX/U.[M_$.EZ+/>Z;;14`?E/^W9_RL^_\$.?^R`?MN_\`J@/CU7]-^J?V;_9N
MH_VS]A_L?[#=_P!K?VI]G_LW^S?L\GV[^T?M?^B_8?LOF_:_M/\`H_V?S/._
M=[J_%KXY?\$KOCK\5?\`@HY^R=_P4%\)_M6?!7X>M^Q=X*^)_P`./@O\%9_V
M0?&?BC09?!WQ/\)>.O`=Y;>-_%5I^V'X2O-9U71/"OC1(-*OO#FA>#]-&J:-
M!?3:&UE=2Z3']._'3]D#]H[]JSP/XA^"OQ]_:]TSPY\!_&^CRZ%\1?#'[)WP
M.U?X!_$WX@:!>F:/6_!6M_%_X@?'7]HB\T/P%XHL#%I'B;3OA_X5\%^,-4T:
M;6-(_P"$\M],UFXM(@#^/;]E;P[XWT+_`(-"_P#@I+=:]'=1?#;Q+\</C'K_
M`.SJLL>HI8M\%%^*GP+T&&71&U"WA$^CS?%#0OB?-!<6<M[:RW+W9>Z^W"]M
MK?\`>?\`8VLO^"JL/_!*#_@GQ>_`_P`7?LG3>&4_93_8"ETO0]+^&OQ37XS/
M\%I/!_P67Q7967B36OBA>>`1\0[;X3OK3SZG)X.ET>^U>WN4TK1].DN["6P^
MY/VZ_P#@FYK'[3W["VN?\$\?V>_B=\)?V2_V=_$'PU\+_"M],C_9XU[XK:QX
M7\+>$/$7AW6M'LO`;Z?^T!\(]$T2(6GARWTNZ_MW0_%=W=-=7>IR7WVZ3=6-
M\!/V0O\`@I7^SG^SE\'/V9_`'[=G[%T_A'X&?!GP%\#_``/XJ\1?\$V?C-J/
MCH>&?AMX+TOP+X7UG6+FT_X*=Z;X4U#Q/!I.C6%S=W*>$+;1;S4HWEDT(6LK
MV9`.#_X.*O\`E"M^W[_V2KPW_P"K4\`5^57[?'[;OQT^'O\`P2$_9>^`>K?L
MM_&7X&?LT?M1?LP_`']FC]H+]OCQ79_#CXL^`OV</@]\4?AMX0^'GC[X@7OP
MD^"GQ0\7^--0L_$GA/Q`=*\)W_C34_ARL%UKTS2:;J'B72]/\'>(/UG_`&A/
M^"8'QN^.W_!,J3_@G)<?M@^&(9?&_@B_\/\`QT_:$\<_LZ^(_'WC;XB^+=:^
M)MA\5?$'CGPOX:L?VE?!&D^`9=9\2_V\TOA_4M2\?:=86VK6-KI,UC9:+'9W
MOVS^S_\`LT>(_!?[*/A[]E+]I/Q7\*_VC?">A_"30/@7?/HWP5U?X8>'/&?P
MST7P%IO@"ZTKQOX+\3_%_P"-=OK%_P"(=-L[I]<GLM9TC2)X[][2VT&U2'S9
M0#K_`-CWX9?!GX,?LJ?LZ_"C]G;Q#9^+_@7\/O@U\//"WPG\8:?K]AXJM/&'
M@72O#.G6_A_Q='XFTEFTK7V\46*Q:]-J^E[=-U";4)+FPBAM)(8D^CZ_$?\`
M9&_X)D_M+?\`!-GQ#X@^'O[$G[5?AWQ3^PYKVJZOXC\-?LF?M8>#/%?CS6_@
M)KNL77]HZI9?!#X]>$?&NBZ_;^!M8U*YNKE_!?C7P7XBCTJ2&353JVM^+/$G
MB;Q/>_MQ0`4444`%%%%`!1110`4444`%%%%`!1110!G:QJ^F>'])U37M;O[;
M2]&T33K[5]7U.]E6"ST[3--MI;R_O[N=R$AMK2TAEN)Y7(6.*-W8@`U^?7_!
M+O\`X**^`_\`@I[^R]%^T?X(\,V?@>:R^(/BSX>^*_`]EX\T7XEIX5U;2H-&
M\6>%[:\\8>'[#2],N-<USX5>-?AUXP\3>'5L(;WP!XE\2:O\.]6EOM6\*7VH
MW?WIXP\)>'/'_A+Q3X$\8Z5;Z]X1\:^'-;\)>*=#NVF6UUGPYXCTRZT?6]*N
M6MY8;A;?4=,O;JSF:":*81S,8I8W"N.5^'_P:^%7PHU#QAJ7PS\`^&/`=QX^
MU#1M6\71>%-,@T/3M:U/P_X?L/"ND7\VD6`@TJWN[3P[I6F:1Y]E96TD]GI]
MG'<M,;:)D`/GS]F3]HKXT?&KXN_MA_#KXD?!CX7_``T\/_LM?'#1O@AH_BGP
M1\>?%?Q6UCXCZKKOP3^$/[0]EKFI>%->_9Z^$-EX$T^/X9?'CX;075M:^+O'
M-S'X[C\<>'8C/X?\.Z#XT\9L\"_M%?&SQ-^W!\;_`-EC7O@M\+="^&GPA^"7
MP7^-UA\8M(^/GBWQ%XY\4Z/\>_&'QQ\#>`]%N_@Q>?L[>&=`\.:G9ZW^SA\5
M)O%TL/QN\16NDZ5-\/[K1G\27?B;Q'I_@;ZA\,?#[P9X,UOXB^(_"_AZQT77
M/BUXRL?B#\1]2M!,+CQ;XSTWX?>!?A58^(=4\V61#?6WP\^&?@/PI&;=((?[
M,\,Z<&B-P)YYH[#X=>"M,^(OBKXM6'A^TMOB-XV\%>`/AUXJ\4I)=F^UGP5\
M+M=^)7B;P!X?N(7N&L8[3PUKOQ@^)6HV4EO:PW<LWBR_6\N+F&&PCM`#X;^(
M7[=GBGPK^TWXE^#/AGX(:1XI^%GPG\<?LK_#'X[?%;5/BZOA;QOX2\;?MB>*
M;7PA\(S\//@U'\.O$,/Q(\&Z?K&O>#8?'OBK6OB;\-9M*;Q#?0^$="\=3^$?
M$\6G\U_P4]_X*)ZU_P`$[_`GPQ\8:'\&-&^,UU\0_$'CK29M+USXA>/OA[;:
M5;>!OAMXB^(3+97OP[_9_P#VAM5U#7/$\^@P>$?#MOK7ASPIX-M]=UK3[KQ=
MX^\*:&EWJD'UGXN_9(_9M\>?'#PA^TCXN^#_`(0USXW^!K72K/P[\0+JVNDU
M-(O#LFN7'A.36;*WNX=&\4W?@>\\3>)-0^']_P"*=,UF^^'^J:_K6J>#+G0M
M1U2]NI^I^,?[/WP7_:"T>#P_\:?AUX<^(VB6^D^.]!BTSQ';S7-I_8OQ.\!^
M(?ACX^TJ6**>$3V'BKP'XJU_PWJMK/YD,MGJ!EC6.\M[2YMP#RC]KG]JB?\`
M91_9.\8_M0WGPJ\4>/+GP;8?#F^NOA)I-ZECXUU&?QYXY\&^#)]`TU[73M?C
MN_%&DR>+&DL]'M[29-=U;3X]$AO;%=074[6_^Q=^U9X0_;7^`5A^T3\/8=*_
MX0'Q'\5?VD/`G@?5]!\2IXNT/QIX0^!?[2'Q9^`_AKXEZ-KD6D:+'+I7Q3T7
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M]K7QE\>_CO\`M*_!C4/@+K7P\T[]EKQ0WP]\??$/4_%;ZIH.M?$G7-4U'Q9X
M"\)>";5_".C2:^-7_9GU?X+_`+0/C'6#>6=GX)_X7MX+^'5HGBW5M,\3:WI7
MLW[/G[-/P8_99\%-\.O@7X5U#P=X+-S:W,&A7WC7QYXV@T];#2=/T+3[#1[G
MQ_XG\4WVB:)I^DZ78V>G^'](NK+0[%(GDM-/AFN+F2;T7PQ\/O!G@S6_B+XC
M\+^'K'1=<^+7C*Q^(/Q'U*T$PN/%OC/3?A]X%^%5CXAU3S99$-];?#SX9^`_
M"D9MT@A_LSPSIP:(W`GGF`/C>Q_;2\1?\-Z:I^QQXC^#UMX7\(W'AO4;WX>_
M&+5/&'C&UO\`XD^)M$\`>!?B)KND>&O"^J_!O2/A?K.FZ5I/BW5]/O[7P?\`
MM">,OBYH-[X.O]<\9_!CPI\/==\*^.=9^^:\`MOV6/V>[/\`:`OOVI[?X5>&
M$^/^HZ')X?N_B28[V356M)])T7P[=:A#I\MX^@VGB>]\+^&_#OA#4/&=II,'
MB_4/!FA:/X.O=<G\,Z;9Z5#[_0!^?=C_`,%#?A=??\%)M;_X)NQVFEGQQI'[
M.EE\;%\81>-M(FN'\9#7;=];^#=]\/Q9IK^EZYI_PRU[P7\6-(\33WTNB^*/
M#VN:Y8:3`;_P/XD-OZ5\6_CM\:/`W[3?[.?P1\%?!_X7^,/A_P#&O3_'.I>*
M?B1XH^.GBOP+XQ\"0?#D:1?>)TT#X7Z3^S[\0=%\>2R:+KVEW.@KJ/Q7\`)J
M.J?VAIFH2:+:6MMK%_VEO^R=^SA:_%.#XX6_P?\`!L7QAMOB=K'QCC^):V4W
M_":/\1=?^#[_``"U;7KGQ`;@ZC=P7?P>,'@3^P+N>;PW!I.G:-+;:/#J.AZ/
M>V/KNJ>"?"FM^*?"GC75=$L[WQ5X&A\0V_A/6Y?-%[H<'BNUL[+Q%#:%)$C,
M>K6NGV,5TDT<JM]D@=`DD:L`#J:\`L_CI]K_`&I_$/[-'_"+>7_8/[/_`(-^
M.G_":_VWO^U_\);\1?'?@#_A%O\`A'/[(7R/[/\`^$)_M;^V_P"WIOM?]I_8
M/[(MOL7VR[]_KP7Q;^S)\$_&_P`:O!G[1'B/PC>S_&+P!HEMX;\,^,=-\9>.
MO#S1>'[+4]4UJST76=!\/>)M*\,>*M+M=5UO5;^WLO%6BZU;PW-]/)'&I*[0
M#Y5_X*"_\%*?AC_P3YUW]DS0/'NB6.OW7[4/[0'AGX32/?>/_#?@)/A]\/+O
M6/#OA[QY\9FC\0Q3W'CJV^'6L^.OA_#?_#[PO"WBK6K'Q-/J6FLL&B7JOZ#_
M`,%`?VSO^&$?@AI?QSO?APGQ'\.OX]TSP1XBLSXR/@R;1G\3^&/%Q\#SV-Q_
MPBGBM-9U3QE\5M/^'_PETK1I8=(A74OB/:ZW+J^S13I.J^W?%3]F3X!?&_5I
M]=^+?PK\*?$#5Y_AIXU^#XU#Q)9RWUQ:?#GXBW.CWGC7P[IC&=1I`\077A[0
MY[O5M*%GKD;Z59&UU.W\A`.Q^*GPE^''QN\&7'P\^+'A#2?'7@F[U_P3XHNO
M#>N1S2Z;<:_\./&_AWXD>"-3FCAF@>2;P[XX\)^'/$=BC.86OM)MA<13V_FP
MR`'RO_P3X_;:M?V^?@KJ_P`<='^'+?#OPO!XJ\/^%O#T,GC73_&TVMWC?!;X
M1>-_B-#>7&F:-I%MHFK?"_XR^-_B3\`-?T-VU"\.O_![5-<OWT2^UNX\(>&O
MNRO-?A/\'?AC\#/"EQX&^$?@S1O`?A.Z\7>/?'ESH>AQ31VD_B_XG^-=>^(G
FCO7)#<37$S7?B'QCXFUO6)U,OV>U-XMAIT-GIEI965MZ50!__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>5
<FILENAME>exhibit12-1.htm
<DESCRIPTION>STATEMENT OF RATIOS OF EARNINGS TO FIXED CHARGES
<TEXT>
<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">

<P align=left><FONT face=serif size=2>Exhibit 12.1 &#150; Statement of Ratios of
Earnings to Fixed Charges </FONT></P>
<P align=center><B><FONT face=serif size=2>Enterprise Financial Services
Corp<BR></FONT></B><B><FONT face=serif size=2>Statement Regarding Computation of
Ratios of Earnings to Fixed Charges (unaudited) <BR>($ in
thousands)</FONT></B></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp; </TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>Nine
      Months</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;</TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>Ended</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>September 30,</FONT> </TD>
    <TD noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="29%" colSpan=19><FONT face=serif size=2>Years ended December 31,</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp; </TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2008</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2007</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2006</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2005</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2004</FONT> </TD>
    <TD noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><FONT face=serif size=2>2003</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0><B><I><FONT face=serif size=2>Including Interest on Deposits:</FONT></I></B>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Earnings (1):</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Income before income tax expense</FONT> </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>13,107</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>26,594</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>24,672</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>17,720</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>12,303</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>10,950</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Fixed charges</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>39,294</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>61,466</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>43,141</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>23,541</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>12,169</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>10,544</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Other adjustments (2)</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp;&nbsp; -</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp;&nbsp; -</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(875</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(113</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp; -</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp;&nbsp; -</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Total earnings (a)</FONT> </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>52,401</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>88,060</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>66,939</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>41,149</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>24,472</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>21,494</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=25>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Fixed charges (1):</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Interest on deposits</FONT> </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>30,580</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>&nbsp; $</FONT>
    </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>52,864</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>37,832</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>20,475</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>9,998</FONT> </TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>8,201</FONT> </TD>
    <TD noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Interest on borrowings</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>8,713</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>8,601</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5,309</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>3,067</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2,170</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2,343</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Total fixed charges (b)</FONT> </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>39,294</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>61,466</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>43,141</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>23,541</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>12,169</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>10,544</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=25>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Ratio of earnings to fixed charges (a/b)</FONT>
</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1.33x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1.43x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1.55x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1.75x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2.01x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2.04x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR>
    <TD width="100%" colSpan=25>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0><B><I><FONT face=serif size=2>Excluding Interest on Deposits:</FONT></I></B>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Earnings, excluding interest on deposits:</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Total earnings</FONT> </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>52,401</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>88,060</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>66,939</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>41,149</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>24,472</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>21,494</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Less interest on deposits</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(30,580</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(52,864</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(37,832</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(20,475</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(9,998</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2>&nbsp;(8,201</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face=serif size=2>)</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Total earnings excluding interest on deposits
      (c)</FONT> </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>21,821</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>35,195</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>29,107</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>20,674</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>14,474</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>13,293</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=25>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Fixed charges, excluding interest on
      deposits:</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Total fixed charges</FONT> </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>39,294</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face=serif size=2>&nbsp; $</FONT>
    </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>61,466</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>43,141</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>23,541</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>12,169</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>10,544</FONT>
</TD>
    <TD noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;
      <FONT face=serif size=2>Less interest on deposits</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(30,580</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(52,864</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(37,832</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(20,475</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(9,998</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(8,201</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>)</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%">&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>Total fixed charges, excluding interest on deposits
      (d)</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>8,713</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face=serif size=2>&nbsp; $</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>8,601</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>5,309</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>3,067</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>2,170</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face=serif size=2>$</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face=serif size=2>2,343</FONT> </TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=25>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0><FONT face=serif size=2>Ratio of earnings to fixed charges,<FONT size=3>&nbsp;</FONT><BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
      </FONT>excluding interest on deposits (c/d) (3)</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2.50x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>4.09x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5.48x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>6.74x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>6.67x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5.67x</FONT> </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD></TR></TABLE>
____________________<BR><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD noWrap>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>As defined in Item 503(d) of
      Regulation S-K.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>For purposes of the "earnings"
      computation, other adjustments include subtracting minority interest in
      pre-tax income of subsidiaries that have not incurred fixed
    charges.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD noWrap>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>The ratio of earnings to fixed
      charges, excluding interest on deposits, is being provided as an
      additional measure to provide comparability to the ratios disclosed by all
      other issuers of debt securities.</FONT></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>




</BODY>

</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>6
<FILENAME>exhibit23-1.htm
<DESCRIPTION>CONSENT OF KPMG, LLP
<TEXT>
<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">

<P align=left><FONT face=serif size=2><B>Exhibit 23.1 - Consent of KPMG,
LLP</B></FONT></P>
<P align=center><FONT face=serif size=2><B>Consent of Independent Registered
Public Accounting Firm</B></FONT></P>
<P align=left><FONT face=serif size=2>The Board of Directors<BR>Enterprise
Financial Services Corp:</FONT></P>
<P align=left><FONT face=serif size=2>We consent to the incorporation by
reference in the registration statement on Form S-3 of Enterprise Financial
Services Corp of our reports dated March 14, 2008, with respect to the
consolidated balance sheets of Enterprise Financial Services Corp as of December
31, 2007 and 2006, and the related consolidated statements of income,
shareholders&#146; equity and comprehensive income, and cash flows for each of the
years in the three-year period ended December 31, 2007 and the effectiveness of
internal control over financial reporting as of December 31, 2007, which reports
appear in the December 31, 2007 annual report on Form 10-K of Enterprise
Financial Services Corp.</FONT></P>
<P align=center><IMG src="enterprise_s3-a3x10x1.jpg" border=0></P> <BR>
<P align=left><FONT face=serif size=2>St. Louis, Missouri<BR>January 16,
2009</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

</BODY>

</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>enterprise_s3-a3x10x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 enterprise_s3-a3x10x1.jpg
M_]C_X``02D9)1@`!`0```0`!``#_VP!#``$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_
MVP!#`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_P``1"``N`(@#`2(``A$!`Q$!_\0`
M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4%
M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!
M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$"
M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#^_BBO@/X(
M?MWZ9\<?V^_VX_V&M#^%VNZ0?V&?"7[,VJ^-?BSJ.O6<VE^+_%?[2O@C6?B1
MI'AG0O"]KICS:=IGA_PA9Z7)_P`)!J?B`7VMZY+XDTV+PQIVG>'K'7?$G!?M
MJ?\`!53]GO\`9&UZ?X+>%[77_P!J']L_4K73G\%?L6_L_P!K>^.?C7J\^L_V
M2VD7WCFT\-Z7X@MO@UX.N[?7-)OCXW^)L>A:(VG:A:7MB=0BG3(!^D5UX@T&
MQUG2?#M[K>D6?B#7[;5;S0M"NM2LK?6=:L]"%B=;NM)TN69+W4K;1QJ>FG59
M[.":+3QJ%B;MX?M=OYFO7\4?[#OQ*_:\\/\`[5?C;_@I5_P41_X)B?\`!6/X
M[_MT:UIWBKP-\/\`PW\+OA'\);#]E[]E/]GK7KO1IM`^''[/_A;Q?\<]`\7^
M)/%=QX97QA?>-/%.N1V-_=:SK$/A*]T.?Q7KGBWXF>(_V2^!_P#P7Q_9;^+?
MP\T7XR^(O@9^VU\+_@9XA\*GQ7I'Q]U3]C_]H/Q]\#;ZSM9=136%M_B3\*_A
MWXRT:2+06L+JRUJZV@:/J>@>-I=:ATSPQX9@\4ZT`?N517S_`/`/]JS]FS]J
M7X<W'Q=_9V^.'PU^,7PSL99K;4_&G@7Q5I>M:'H]W:Z=;:M>V.N74,X.AZAI
MVGW<%QJ>GZNEE>Z9F2*_@MIX)XHO:%\0Z`^OS>$TUS1W\4VVCVWB&X\-+J=D
MVOP:!>WMWIMGKDVC"<ZC%H]WJ-A?V%MJ;VRV4][97=K%.\]M-&@!L45X5^TK
M^TE\'OV1O@GX[_:"^/'BG_A$?AE\.]*.J:[J4.G:CK>JW<DDB6VGZ-X?\/Z/
M;7NL>(/$&L7TL-AI6D:7:7%U=7,P9EBMH[BXA]PMYDN8(;B-95CGBCF1;BWG
MM9U25%=5FM;J.&YMI0K`26]Q#%/"^Z.:-)%90`2T444`%%%%`!15>&[M+F2[
MAM[FWGFL+A;2_BAFCEDLKM[6VOTMKM$9FMKA[&]L[Q89@DC6MW;7`4PSQ.XM
MW:/=S6"7-N]];6]M=W%FLT;7<%I>R7<-G<S6X8S16]W-87\5M,Z+'/)97:1,
M[6TP0`L45$MQ`T\EJLT37,,4-Q-;K(AGB@N7N([>:2$-YB13R6MTD,C*$E>V
MN%1F:&0++0`4444`?P>_&7]N#_@HQ\!OVA/^"RG[3'[+O[.U_HO[/WQ9_;>B
M^`_QP_;Z\2^&;SXG2?L^>$/V*/AM8_`GQ]K_`(#^`OPZUVPO_$EK\.O"FE7/
MBK2_BIXPU#PYX2O_`!/+<_#35?[0\=:#JUSIO]/7_!*W]E+]BCX,?`;2/C;^
MRCXAOOCOK?[0UM?^-OB9^V)\0]9U#QK\;_VA_%VHZO+'XS\3>/\`QAKJC5+&
M^F\5Z1<6NK^#M.M]&TC1=6T1+2ZTEM6TZ:\D^EOV/_V<M7_9G\(?&3PSK?BI
M/&%U\3OVLOVK/VC;74XYM6,>GZ1^T1\<O&?Q;T/PJMAJL]RFEOX+T?Q39>$K
MB'2ISI.IW>C3^)+>"QFURYT^T_,WQE_P2Y_:._9!^(WC_P".O_!'3XT>!?@U
M8_$'Q7HGC?QS_P`$^_CV/&<W[#/BSQ7<ZCJB_$?QGX!A\#S7OB;]G[QKXKT"
M^LH+2S\!^'[KX?W-_H>FV>J^&[6QL?!VH_#T`^H/^"V/Q3N?@Y_P26_X*#>,
MK/2M5U6[O?V8/B7\.K=M%NKBROM!F^,FD-\((_&S7-I;7E['I_P^;QT/'6L"
MQMWOY-(\.WT5B8[MX94_,;_@ESXW_;@_9A_X)B?LS_!W]FS_`()6?'/7O%?_
M``JSX5^,],UK]H']HS]EKX?_``ZU,_$_P_8^(]>\3W=[HOQ,\0?$_1-(2X>>
M;_A$]7^%^F_$S0X[T7'B/X?^&KK^S_!]Q^@'@ZX^(W_!5O\`97_:C_9'_P""
M@G[#_P`<OV(H?%NA:A\)O%26'Q3\/^*--\8AY)%O_'7P-^*_A/3UL+ZR\*^(
MK#1-;T$^-O"DGAKQE!/:VMYX=\?^$(_&.D']5?`_A/3O`7@OPAX%TB:XN-)\
M%^%]`\)Z7/=PZ9;W<^G>'-)M-'LIKFWT33M'T:"XDMK.)YH=(TG2],BD9DL-
M.LK58K:(`_A/_P""DG@[]K+_`()I_L0^-5^)GQ.\"VW[?_\`P6>_X*"?#:3Q
M!X$_9ZU#Q3H/PA^`OPF\%3:I>0_"WX;ZGKNJZ!J7C?1+1-5\(>&/&;:I)X$T
MI[KXJ:G86>I:G_PB-O\`$#Q=[A^Q'^U9XU_X)E?\%!O^"IOQ\_X+B?&'PKX+
M_:<^-OP@_8F\?_"[X<?#+7]>\0Z!XL^'_C:+XX3ZE\,/V<?AOJ^J7VO^/;3X
M)^--#T?X-11>&+SQ:NC>)(/$]^WB;7M-U_6O&=[_`$A?M=_\$S/A%^V7^U=^
MQ1^U'\3O$&J17/[%MU\6;K0_A_;Z1INI>'OB0/BM9>$;2]TWQDVLR7MBVAV"
M>$4L[K2AH5W'KFB^(?$>G7DL-U+HFJ:%]C>-?V?/@1\2?B/\-?C#\0_@U\+_
M`!W\5?@U_;#?"3XB^,/`OAKQ+XR^&,VORZ9-K%YX"\0ZQIMYJ?A/4+^31M.\
MW4=#N;&_6.!XH[E(KFZ2<`_D;_X*4?#S]MC]N']J/_@E1K_[3FI:W^SQ\#?C
M-_P49\*^%?@C^P*(;7Q#>ZA^SGX'TGQ3\5?&'[0O[5FC#0]>\-P?M-^)?`_A
M_2-#T7X=ZEJ_BSPY^S=H>KW<.D1P>,M3^+FJW7ZA?M@?\%#?VL/CA^W+X^_X
M)+?\$O9_A;\/OVC_`(6_"VS^(G[3G[4?[0'A[6]?\)?`'PYXV\+>&-?\$1?"
M/P%8Z?J>G_$GXCRZ?XY\):O)J7C.PO/AKHUWK>BZ%J&D^*+J?Q%#X8^J_P#@
MJW\)[C4/`_[-?[7FBP:%/KG_``3T_:=\%_M0>(H-:T`:R]]\!Y=`\4?"C]H]
MM+OY-5LX/#.L?#[X4?$/6/V@?#^MSZ-XPBG\5?!'P]X>E\,74.NRWVG^7_M>
M?\$P]9^-O[1'A+_@I%_P3]_:>;]E/]M!OAYI_A/4_B)8:#H'Q8^`7[37PMFL
MK*3PSH?QB\#:BM_INMV5KHZV]MX=^('A*:'7X?#\MHMC<2:AI'@O7_"@!\GW
M'_!(?]I'P)J]C\4OVH?^#B+]OR.^-QH=]K,VB?$'PE^S5\)]5UO0O$5AJEG%
M9>`)_$_B#P?H7AR_F>/2M<\-::V_7[.^BTK4]4N=,D&F3?KEJ_\`P4I_X)V^
M")YM!\7_`+?G[(NFZIH$6FVNOW7B/]H[X+:9+I\UV^L6%M>>)[B+Q+IVC:#-
MJ.H^'=6LG-S%I%B-;2'2((+:\U#2["X_!+]LS]G;_@L'^U=IGPS^'G[;W_!)
M_P#X)S_\%#/"GPNU?5-4T/7?AI^U]\6_V>[.?5KK[;HNH^*(]#\7Z]X?N=%U
M+Q)H=IH4T=A/;>+K30W.IK;F,:J]AI-S_@GE_P`$POB7XO\`VR?#?[0_[2/_
M``1P_P""?'[!GP=\)_LVZ_\`"#Q3\+-!M/A)^T!JWQ1^(6J>(]>N1XN\/:;I
MV@W/AKX8WNCQ:]XH\-ZYXEMTUO6_B!\/]5T[PG=>/O&G@?1_"$.D@']8U%9^
MDZ3I6@:5IFA:%IFGZ+HFBZ?9:3HVC:396VG:5I.E:=;1V>GZ9IFGV<<-I8:?
M86D,-K965K#%;6MM%'!!''%&JC0H`_&#_@CCK-Y\4YO^"EW[2=_XJ_X3*W^-
MO_!3_P#:4TGP%K-OXOU[Q)IL7P:^`-CX(_9_^&NF66F:QJMU'X<\J/X>Z]J:
MV4>C:!.^GZOIEM;1ZEX2T_P?J$GSOX5_9N^!?_!1S_@IQ_P6/\,_M)>'?#GQ
MX^`'P\^&_P"P%^R):^"-1N9;>RMM:\$Z=XJ_:K\7Z59>(?"/B6/Q!9IX6^(W
MC[P[+>36.I^&;]O%;>,_!^NZ&UIX>:]\0>]_L<?L9?\`!2[]ECX.V/P)T#]H
M;]@/PIX;T7QOXU\<OXVTC]D;XX^-]=\<ZEXZ^)^J>/==75O!:?M8?"3PYX-G
MU+3]4GTC4]4T_6/%^J:E<RSZ[J%S=^*KG4?$VI='\/?^">G[7?P+^-7[5_Q$
M^`/[9_P0\">%OVO_`([:_P#M"?$&R\1_L2W'CCXG>'O%FI>`?#/@'3/#GASX
MC2_M.:'I.H>$-$A\,6'B#1[#Q-X#U5=(UBX\4+!;W47C.[DT@`_G-_X++?L(
M?\$=O^";GQA_X);_``T^&_P,^%'[.!^,W[45MKWQL^*6M_%[]H^#4]+_`&5O
MA+;^'K;XP>$=<\46/Q*UW6M+T?XT:3XOB^&FI^(-6L->U"?3]1\2W.C6LVJ6
M^IZE8?1OQ$^(7PC\/^*-/\/?\&ZO[1?[6O[0'[3VB^,/A-<GX'^'_$OQQ_:?
M_P""=$WAJW\4^`M4\90_'W]H']H2\U_P%\)_!7C3X>^%O%T/C;6?A!\>_#WQ
M.\=_$#2]'\)WNM6'B:SL+-?WG^)/_!/CQ;\9/VQ?^":'[4?Q>^+>A?$:?]@;
MP%^U1_PD*:C\.?#&DS?%3XP_'7P_\(O"GA+Q=I'AA=-U?3/`6F>%K?PKXL\6
M-=Z3XC;Q!HOB/1/A[9:)-=V=_P"+]0;]-]*TG2M#L(-*T33-/T?3+7S?LVG:
M596VGV%MY\TES-Y%G:1PV\/G7$TL\OEQKYDTLDKY=V8@#M+?4)-,TZ35HH(-
M5>QM'U."U)-M#J#6\;7L5N6DF)@CN3(D),TI,84F1S\Q*O44`%%%%`!1110`
M4444`5+^PL=5L;W3-3LK34=-U&TN+#4-/O[>&\L;^QO(7M[NRO;2X22WNK2Z
MMY)(+BWGCDAGAD>*5&1F4OM+2TL+6VL+"VM[*QLK>&TL[.TACMK6TM+:-8;>
MVMK>%4A@MX(42*&&)$CBC141550!8HH`****`"BBB@`HHHH`****`"BBB@#_
!V3\_
`
end
</TEXT>
</DOCUMENT>
</SUBMISSION>
