<SUBMISSION>
<ACCESSION-NUMBER>0000914317-06-000972
<TYPE>DEF 14A
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20060504
<FILING-DATE>20060403
<DATE-OF-FILING-DATE-CHANGE>20060403
<EFFECTIVENESS-DATE>20060403
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>BERKSHIRE HILLS BANCORP INC
<CIK>0001108134
<ASSIGNED-SIC>6036
<IRS-NUMBER>043510455
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>DEF 14A
<ACT>34
<FILE-NUMBER>000-51584
<FILM-NUMBER>06732960
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>24 NORTH ST.
<CITY>PITTSFIELD
<STATE>MA
<ZIP>01201
<PHONE>4134435601
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>24 NORTH ST
<CITY>PITTSFIELD
<STATE>MA
<ZIP>01201
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>def14a-75118_berkshire.htm
<DESCRIPTION>PROXY STATEMENT
<TEXT>
<html>
  <head>
    <title>
      Proxy Statement
</title>
<!-- Licensed to: COMMERCE FINANCIAL PRINTERS-->
<!-- Document Created using EDGARIZER HTML 3.0.3.0 -->
<!-- Copyright 2005 EDGARfilings, Ltd., an IEC company.-->
<!-- All rights reserved EDGARfilings.com -->
</head>
  <body bgcolor="#ffffff">
    <div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>SCHEDULE
        14A INFORMATION</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Proxy
        Statement Pursuant to Section 14(a) of the Securities Exchange Act of
        1934</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Amendment
        No. ______)</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Filed
        by
        the Registrant </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">O</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Filed
        by
        a Party other than the Registrant </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check
        the
        appropriate box:</font></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Preliminary
                  Proxy Statement</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Confidential,
                  for Use of the Commission Only (as permitted by Rule
                  14a-6(e)(2))</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">O</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Definitive
                  Proxy Statement</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Definitive
                  Additional Materials</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Soliciting
                  Material Pursuant to &#167; 240.14a-12</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
        Hills Bancorp, Inc</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Name
        of
        Registrant as Specified In Its Charter)</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="center" noshade size="1" width="100%">
        </div>(Name of Person(s) Filing Proxy Statement, if other than the
        Registrant)<font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Payment
        of Filing Fee (Check the appropriate box):</font></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">O</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">No
                  fee required.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Fee
                  computed on table below per Exchange Act Rules 14a-6(i)(1) and
                  0-11.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Title
                  of each class of securities to which transaction
                  applies:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Aggregate
                  number of securities to which transactions
                  applies:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Per
                  unit price or other underlying value of transaction computed pursuant
                  to
                  Exchange Act Rule 0-11 (set forth the amount on which the filing
                  fee is
                  calculated and state how it was
                  determined):</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;N/A&#160;</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(4)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Proposed
                  maximum aggregate value of transaction:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(5)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Total
                  fee paid:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Fee
                  paid previously with preliminary
                  materials.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: WP TypographicSymbols">Q</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check
                  box if any part of the fee is offset as provided by Exchange Act
                  Rule
                  0-11(a)(2) and identify the filing for which the offsetting fee
                  was paid
                  previously. Identify the previous filing by registration statement
                  number,
                  or the Form or Schedule and the date of its
                  filing.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Amount
                  Previously Paid:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Form,
                  Schedule or Registration Statement No.:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">N/A&#160;</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Filing
                  Party:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">N/A</font></td>
            </tr>

        </table>
        <hr style="COLOR: black" align="left" noshade size="1" width="100%">
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(4)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date
                  Filed:</font></div>
              </td>
            </tr>

        </table>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">&#160;</td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">N/A</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>[BERKSHIRE
        HILLS BANCORP LOGO]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">April
        3,
        2006</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dear
        Stockholder:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">You
        are
        cordially invited to attend the annual meeting of stockholders of Berkshire
        Hills Bancorp, Inc. The meeting will be held at the Crowne Plaza Hotel, One
        West
        Street, Pittsfield, Massachusetts on Thursday, May 4, 2006 at 10:00&#160;a.m.,
        local time.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        notice of annual meeting and proxy statement appearing on the following pages
        describe the formal business to be transacted at the meeting. Directors and
        officers of the Company, as well as a representative of Wolf &amp; Company,
        P.C., the Company&#8217;s independent registered public accounting firm, will be
        present to respond to appropriate questions of stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">It
        is
        important that your shares are represented at this meeting, whether or not
        you
        attend the meeting in person and regardless of the number of shares you own.
        To
        make sure your shares are represented, we urge you to complete and mail the
        enclosed proxy card promptly. If you attend the meeting, you may vote in
        person
        even if you have previously mailed a proxy card.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
        look
        forward to seeing you at the meeting.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Sincerely,</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="60%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Michael P. Daly</em></font></div>
              </td>
              <td align="left" valign="top" width="30%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Lawrence A. Bossidy</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="30%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="60%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font></div>
              </td>
              <td align="left" valign="top" width="30%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lawrence
                  A. Bossidy</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="60%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>President
                  and</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Chief
                  Executive</em></font></div>
              </td>
              <td align="left" valign="top" width="30%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Non-Executive
                  Chairman of the </em></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
              </td>
              <td align="left" valign="top" width="60%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>&#160;
                  Officer </em></font></div>
              </td>
              <td align="left" valign="top" width="30%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>&#160;
                  Board</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 288pt; TEXT-INDENT: -288pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>[Berkshire
        Hills Bancorp Logo]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>24
        North Street</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Pittsfield,
        Massachusetts 01201</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(413)
        443-5601</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>______________________</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>NOTICE
        OF 2006 ANNUAL MEETING OF STOCKHOLDERS</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>______________________</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>TIME
                  AND DATE</strong></font></div>
              </td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">10:00
                  a.m. on Thursday, May 4, 2006</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>PLACE</strong></font></div>
              </td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Crowne
                  Plaza Hotel</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">One
                  West Street</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pittsfield,
                  Massachusetts</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" colspan="2" valign="top" width="72%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>ITEMS
                  OF BUSINESS</strong></font></div>
              </td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td align="left" colspan="2" valign="top" width="72%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
                  elect four directors to serve for a term of three
                  years.</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" colspan="2" valign="top" width="72%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td align="left" colspan="2" valign="top" width="72%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
                  ratify the selection of Wolf &amp; Company, P.C. as our independent
                  registered public accounting firm for fiscal year 2006.</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" colspan="2" valign="top" width="72%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td align="left" colspan="2" valign="top" width="72%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
                  transact such other business as may properly come before the meeting
                  and
                  any adjournment or postponement thereof.</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" colspan="2" valign="top" width="72%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>RECORD
                  DATE</strong></font></div>
              </td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
                  vote, you must have been a stockholder at the close of business
                  on March
                  16, 2006.</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>PROXY
                  VOTING</strong></font></div>
              </td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">It
                  is important that your shares be represented and voted at the meeting.
                  You
                  can vote your shares by completing and returning the proxy card
                  or voting
                  instruction card sent to you. Voting instructions are printed on
                  your
                  proxy or voting instruction card and included in the accompanying
                  proxy
                  statement. You can revoke a proxy at any time before its exercise
                  at the
                  meeting by following the instructions in the proxy
                  statement.</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Gerald A. Denmark</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Gerald
                  A. Denmark</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Corporate
                  Secretary</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="5%">&#160;</td>
              <td align="left" colspan="3" valign="top" width="75%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">April
                  3, 2006</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Berkshire
        Hills Bancorp, Inc.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>__________________________________</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Proxy
        Statement</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>__________________________________</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
        proxy statement is furnished in connection with the solicitation of proxies
        by
        the Board of Directors of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221; or
&#8220;Berkshire Hills&#8221;) to be used at the annual meeting of stockholders of the
        Company. The Company is the holding company for Berkshire Bank (the &#8220;Bank&#8221;). The
        annual meeting will be held at the Crowne Plaza Hotel, One West Street,
        Pittsfield, Massachusetts on Thursday, May 4, 2006 at 10:00&#160;a.m., local
        time. This proxy statement and the enclosed proxy card are being mailed to
        stockholders of record on or about April 3, 2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Voting
        and Proxy Procedure</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Who
        Can Vote at the Meeting</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">You
        are
        entitled to vote your Company common stock if the records of the Company
        show
        that you held your shares as of the close of business on March 16, 2006.
        If your
        shares are held in a stock brokerage account or by a bank or other nominee,
        you
        are considered the beneficial owner of shares held in &#8220;street name&#8221; and these
        proxy materials are being forwarded to you by your broker or nominee. As
        the
        beneficial owner, you have the right to direct your broker how to
        vote.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
        of the
        close of business on March 16, 2006, there were 8,593,018 shares of Company
        common stock outstanding. Each share of common stock has one vote. The Company&#8217;s
        Certificate of Incorporation provides that a record owner of the Company&#8217;s
        common stock who beneficially owns, either directly or indirectly, in excess
        of
        10% of the Company&#8217;s outstanding shares, is not entitled to any vote in respect
        of the shares held in excess of the 10% limit. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Attending
        the Meeting</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        you
        were a stockholder as of the close of business on March 16, 2006, you may
        attend
        the meeting. However, if you held your shares in street name, you will need
        proof of ownership to be admitted to the meeting. A recent brokerage statement
        or a letter from a bank or broker are examples of proof of ownership. If
        you
        want to vote your shares of Company common stock held in street name in person
        at the meeting, you will have to get a written proxy in your name from the
        broker, bank or other nominee who holds your shares.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Vote
        Required</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A
        majority of the outstanding shares of common stock entitled to vote is required
        to be represented at the meeting to constitute a quorum for the transaction
        of
        business. If you return valid proxy instructions or attend the meeting in
        person, your shares will be counted for purposes of determining whether there
        is
        a quorum, even if you abstain from voting. Broker non-votes also will be
        counted
        for purposes of determining the existence of a quorum. A broker non-vote
        occurs
        when a broker, bank or other nominee holding shares for a beneficial owner
        does
        not vote on a particular proposal because the nominee does not have
        discretionary voting power with respect to that item and has not received
        voting
        instructions from the beneficial owner. </font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        voting
        on the election of directors, you may vote in favor of all nominees, withhold
        votes as to all nominees or withhold votes as to specific nominees. There
        is no
        cumulative voting for the election of directors. Directors are elected by
        a
        plurality of the votes cast at the annual meeting. This means that the nominees
        receiving the greatest number of votes will be elected. Votes that are withheld
        will have no effect on the outcome of the election.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        voting
        to ratify the appointment of Wolf &amp; Company, P.C. as our independent
        registered public accounting firm, you may vote in favor of the proposal,
        against the proposal or abstain from voting. To be approved, this matter
        requires the affirmative vote of a majority of the votes cast at the annual
        meeting. Abstentions will not be counted as votes cast and will have no effect
        on the voting.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Voting
        by Proxy</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s Board of Directors is sending you this proxy statement to request that
        you allow your shares of Company common stock to be represented at the annual
        meeting by the persons named in the enclosed proxy card. All shares of Company
        common stock represented at the meeting by properly executed and dated proxies
        will be voted according to the instructions indicated on the proxy card.
        If you
        sign, date and return a proxy card without giving voting instructions, your
        shares will be voted as recommended by the Company&#8217;s Board of Directors. The
        Board of Directors recommends that you vote:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 18pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8226;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>for
                  </em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">each
                  of the nominees for director; and</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 18pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8226;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>for</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
                  ratification of the appointment of Wolf &amp; Company, P.C. as the
                  Company&#8217;s independent auditors.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        any
        matters not described in this proxy statement are properly presented at the
        annual meeting, the persons named in the proxy card will use their judgment
        to
        determine how to vote your shares. This includes a motion to adjourn or postpone
        the meeting to solicit additional proxies. If the annual meeting is postponed
        or
        adjourned, your Company common stock may be voted by the persons named in
        the
        proxy card on the new meeting date as well, provided such new meeting occurs
        within 30 days of the annual meeting and you have not revoked your proxy.
        The
        Company does not currently know of any other matters to be presented at the
        meeting.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">You
        may
        revoke your proxy at any time before the vote is taken at the meeting. To
        revoke
        your proxy, you must either advise the Corporate Secretary of the Company
        in
        writing before your common stock has been voted at the annual meeting, deliver
        a
        later dated proxy or attend the meeting and vote your shares in person by
        ballot. Attendance at the annual meeting will not in itself constitute
        revocation of your proxy.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        your
        Company common stock is held in street name, you will receive instructions
        from
        your broker, bank or other nominee that you must follow to have your shares
        voted. Your broker, bank or other nominee may allow you to deliver your voting
        instructions via the telephone or the Internet. Please review the proxy card
        or
        instruction form provided by your broker, bank or other nominee that accompanies
        this proxy statement.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">2</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Participants
        in the Woronoco Savings Bank ESOP, Berkshire Bank ESOP or Berkshire 401(k)
        Plan</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        you
        participate in the Woronoco Savings Bank Employee Stock Ownership Plan, as
        assumed by Berkshire Bank (the &#8220;Woronoco ESOP&#8221;), the Berkshire Bank Employee
        Stock Ownership Plan (the &#8220;Berkshire ESOP&#8221;) or if you hold Berkshire Hills
        common stock through the Berkshire Bank Employees&#8217; Savings &amp; Profit Sharing
        Plan (the &#8220;401(k) Plan&#8221;), you will receive vote authorization materials for each
        plan that will reflect all the shares that you may direct the trustees to
        vote
        on your behalf under the plans. Under the terms of the Berkshire ESOP and
        the
        Woronoco ESOP, the ESOP trustees vote all shares held by the ESOPs based
        upon
        the instructions the ESOP trustees receive from participants. The ESOP trustees,
        subject to its fiduciary responsibilities, will vote all unallocated shares
        of
        Company common stock held by the ESOP and allocated shares for which no voting
        instructions are received in the same proportion as shares for which it has
        received timely voting instructions. Under the terms of the Berkshire 401(k)
        Plan, you are entitled to direct the trustee how to vote the shares of Berkshire
        Hills common stock credited to your account. The trustee, subject to its
        fiduciary responsibilities, will vote all shares for which it does not receive
        timely instructions from participants in the same proportion as the instructions
        the trustee receives from participants.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>
        The deadline for returning your voting instructions to each plan&#8217;s trustee is
        April 26, 2006.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Corporate
        Governance</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>General</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company periodically reviews its corporate governance policies and procedures
        to
        ensure that the Company meets the highest standards of ethical conduct, reports
        results with accuracy and transparency and maintains full compliance with
        the
        laws, rules and regulations that govern the Company&#8217;s operations. As part of
        this periodic corporate governance review, the Board of Directors reviews
        and
        adopts best corporate governance policies and practices for the Company.
        </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Code
        of Business Conduct</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company has adopted a Code of Business Conduct that is designed to promote
        the
        highest standards of ethical conduct by the Company&#8217;s directors, executive
        officers and employees. The Code of Business Conduct requires that the Company&#8217;s
        directors, executive officers and employees avoid conflicts of interest,
        comply
        with all laws and other legal requirements, conduct business in an honest
        and
        ethical manner and otherwise act with integrity and in the Company&#8217;s best
        interest. Under the terms of the Code of Business Conduct, directors, executive
        officers and employees are required to report any conduct that they believe
        in
        good faith to be an actual or apparent violation of the Code of Business
        Conduct. A copy of the Code of Business Conduct can be found in the Governance
        Documents portion of the Investor Relations section of the Company&#8217;s website
        (</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>www.berkshirebank.com</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">).</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
        a
        mechanism to encourage compliance with the Code of Business Conduct, the
        Company
        has established procedures to receive, retain and treat complaints regarding
        accounting, internal accounting controls and auditing matters. These procedures
        ensure that individuals may submit concerns regarding questionable accounting
        or
        auditing matters in a confidential and anonymous manner. The Code of Business
        Conduct also prohibits the Company from retaliating against any director,
        executive officer or employee who reports actual or apparent violations of
        the
        Code of Business Conduct. </font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">3</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Meetings
        of the Board of Directors</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company conducts business through meetings of its Board of Directors and
        through
        activities of its committees. During 2005, the Board of Directors held
        eight</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">meetings.
        All of the current directors attended at least 75% of the total number of
        the
        board meetings held and committee meetings on which such directors served
        during
        2005. </font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Committees
        of the Board of Directors</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table identifies our standing committees and their members. All
        members of each committee are independent in accordance with the listing
        standards of the Nasdaq Stock Market, Inc. The charters of all three committees
        are available in the Governance Documents portion of the Investor Relations
        section of the Company&#8217;s website, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>www.berkshirebank.com</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="bottom" width="17%" style="border-bottom: thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Director</u></strong></font></div>
              </td>
              <td align="left" valign="bottom" width="10%">&#160;</td>
              <td align="left" valign="bottom" width="10%">&#160;</td>
              <td align="left" valign="bottom" width="10%">&#160;</td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Audit</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Committee</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Compensation</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Committee</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Corporate</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Governance/</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Nominating</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Committee</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" colspan="4" valign="bottom" width="47%">&#160;</td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wallace
                  W. Altes</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lawrence
                  A. Bossidy</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  X*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">John
                  B. Davies</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">David
                  B. Farrell</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  X*</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Cornelius
                  D. Mahoney</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Edward
                  G. McCormick</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Catherine
                  B. Miller</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  X*</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">D.
                  Jeffrey Templeton</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Corydon
                  L. Thurston</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">X</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ann
                  H. Trabulsi</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Robert
                  A. Wells</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" colspan="4" valign="bottom" width="47%">&#160;</td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" colspan="4" valign="bottom" width="47%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Number
                  of Meetings in 2005</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 464.7pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">4</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">__________________________</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*
        Denotes
        Chairperson</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><strong><em>Audit
        Committee.</em></strong> The Audit Committee assists the Board of Directors in
        its oversight of the Company&#8217;s accounting and reporting practices, the quality
        and integrity of the Company&#8217;s financial reports and the Company&#8217;s compliance
        with applicable laws and regulations. The Committee is also responsible for
        engaging the Company&#8217;s independent registered public accounting firm and
        monitoring its conduct and independence. The Board of Directors has designated
        David B. Farrell as an audit committee financial expert under the rules of
        the
        Securities and Exchange Commission. The report of the Audit Committee required
        by the rules of the Securities and Exchange Commission is included in this
        proxy
        statement. See <em>&#8220;Audit Committee Report.&#8221;</em>&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Compensation
        Committee.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        The
        Compensation Committee reviews and establishes the compensation for all
        executive officers. The Committee also assists the Board of Directors in
        evaluating potential candidates for executive positions.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        report of the Compensation Committee required by the rules of
        the&#160;Securities and Exchange Commission is included in this proxy statement.
        See <font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>&#8220;Compensation
        Committee Report on Executive Compensation.&#8221; </em></font></font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">4</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Corporate
        Governance/Nominating Committee.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        The
        Company&#8217;s Corporate Governance/Nominating Committee assists the Board of
        Directors in identifying qualified individuals to serve as Board members,
        in
        determining the composition of the Board of Directors and its committees,
        in
        monitoring a process to assess Board effectiveness and in developing and
        implementing the Company&#8217;s corporate governance guidelines. The Corporate
        Governance/Nominating Committee also considers and recommends the nominees
        for
        director to stand for election at the Company&#8217;s annual meeting of stockholders.
        The procedures of the Corporate Governance/Nominating Committee required
        to be
        disclosed by the rules of the Securities and Exchange Commission are included
        in
        this proxy statement. See &#8220;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Corporate
        Governance/Nominating Committee Procedures.</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8221;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Attendance
        at the Annual Meeting.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        The
        Board of Directors encourages each director to attend annual meetings of
        stockholders. All but three directors attended the 2005 annual meeting of
        stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Directors&#8217;
        Compensation</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Cash
        Retainer and Meeting Fees for Non-Employee Directors.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table sets forth the applicable retainers and fees that will be
        paid
        to our non-employee directors for their service on our Board of Directors
        during
        2006. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="center">
        <table cellpadding="0" cellspacing="0" id="ftable" width="100%">

            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Annual
                  Retainer for Board Service</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">10,000</font></div>
              </td>
              <td align="left" valign="bottom" width="8%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Annual
                  Retainer for Attendance at Board Meetings</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">7,200</font></div>
              </td>
              <td align="left" valign="bottom" width="8%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Annual
                  Retainer for Attendance at Committee Meetings</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">14,400</font></div>
              </td>
              <td align="left" valign="bottom" width="8%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="78%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Annual
                  Retainer for Bank Clerk</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">500</font></div>
              </td>
              <td align="left" valign="bottom" width="8%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 27pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;
        </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Non-Employee
        Director Compensation.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table sets forth the total cash compensation paid to our non-employee
        directors for their service on our Board of Directors during 2005. During
        2005,
        no restricted stock awards or stock options were granted to our non-employee
        directors.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="ftable" width="65%">

            <tr>
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Directors</u></strong></font></div>
              </td>
              <td width="2%" style="border-bottom: medium none;">&#160;</td>
              <td colspan="2" valign="bottom" width="7%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Cash</u></strong></font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: medium none;">&#160;</td>
              <td width="2%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" colspan="2" valign="bottom" width="7%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lawrence
                  A. Bossidy</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">31,600</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">John
                  B. Davies</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">15,800</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">David
                  B. Farrell</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">15,800</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Cornelius
                  D. Mahoney</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">15,800</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Edward
                  G. McCormick</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">38,800</font></div>
              </td>
              <td align="left" valign="top" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman"><sup>(1)</sup></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Catherine
                  B. Miller</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">31,600</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">D.
                  Jeffrey Templeton</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">15,800</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Corydon
                  L. Thurston</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">24,400</font></div>
              </td>
              <td align="left" valign="top" width="1%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman"><sup>(2)</sup></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="5%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ann
                  H. Trabulsi</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">31,600</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="5%">&#160;</td>
              <td align="left" valign="bottom" width="50%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Robert
                  A. Wells</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="6%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">31,600</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>_______________</u></font></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 33pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="width: 33pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
                  amount includes $7,200, which was paid in 2005 for services rendered
                  in
                  2004.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 33pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="width: 33pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
                  amount reflects a $7,200 deduction due to an overpayment in
                  2004.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">5</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Stock
        Ownership</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table provides information as of March 16, 2006, with respect to
        persons known by the Company to be the beneficial owners of more than 5%
        of the
        Company&#8217;s outstanding common stock. A person may be considered to own any shares
        of common stock over which he or she has, directly or indirectly, sole or
        shared
        voting or investing power. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="bottom" width="57%" style="border-bottom: #ffffff solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Name
                  and Address</u></strong></font></div>
              </td>
              <td valign="bottom" width="20%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Number
                  of Shares</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Owned</strong></font></div>
              </td>
              <td valign="bottom" width="3%" style="border-bottom: #ffffff solid;">&#160;</td>
              <td valign="bottom" width="20%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Percent
                  of Common</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Stock
                  Outstanding</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="57%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="3%">&#160;</td>
              <td valign="top" width="20%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="57%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="top" width="57%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
                  Bank Foundation</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">24
                  North Street</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pittsfield,
                  Massachusetts 01201</font></div>
              </td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">547,027</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(1)</sup></font></div>
              </td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6.4%</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="top" width="57%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="top" width="57%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Private
                  Capital Management</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">8889
                  Pelican Bay Boulevard</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Naples,
                  Florida 34108</font></div>
              </td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">490,514</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(2)</sup></font></div>
              </td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5.7%</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="top" width="57%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="top" width="57%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wellington
                  Management Company, LLP</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">75
                  State Street</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Boston,
                  Massachusetts 02109</font></div>
              </td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">452,466</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(3)</sup></font></div>
              </td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5.3%</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="top" width="57%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="top" width="57%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
                  Bank Employee Stock Ownership Plan</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">24
                  North Street</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pittsfield,
                  Massachusetts 01201</font></div>
              </td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">442,286</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(4)</sup></font></div>
              </td>
              <td valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="20%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5.1%</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="15%">
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  foundation&#8217;s gift instrument requires that all shares of common stock held
                  by the foundation must be voted in the same ratio as all other
                  shares of
                  Company common stock on all proposals considered by stockholders
                  of the
                  Company.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Based
                  on information contained in a Schedule 13G/A filed with the U.S.
                  Securities and Exchange Commission on February 14,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Based
                  on information contained in a Schedule 13G/A filed with the U.S.
                  Securities and Exchange Commission on February 14,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(4)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  172,870 shares that have not been allocated to participants&#8217; accounts.
                  Under the terms of the ESOP, the ESOP trustee will vote shares
                  allocated
                  to participants&#8217; accounts in the manner directed by the participants. The
                  ESOP trustee, subject to its fiduciary responsibilities, will vote
                  unallocated shares and allocated shares for which no timely voting
                  instructions are received in the same proportion as shares for
                  which the
                  trustee has received proper voting instructions from participants.
                  </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">6</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table provides information about the shares of Company common stock
        that may be considered to be owned by each director or nominee for director
        of
        the Company, by the executive officers named in the Summary Compensation
        Table
        and by all directors, nominees for director and executive officers of the
        Company as a group as of March 16, 2006. A person may be considered to own
        any
        shares of common stock over which he or she has, directly or indirectly,
        sole or
        shared voting or investment power. Unless otherwise indicated, each of the
        named
        individuals has sole voting and investment power with respect to the shares
        shown.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Name</u></strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Number
                  of </strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Shares</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Owned</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(Excluding</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Options)
                  (1)</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Number
                  of Shares</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>That
                  May Be</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Acquired
                  Within 60 Days</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>by
                  Exercising Options</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Percent
                  of </strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Common
                  Stock </strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Outstanding
                  (2)</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="46%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="15%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="15%">&#160;</td>
              <td align="left" valign="top" width="3%">&#160;</td>
              <td align="left" valign="top" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wallace
                  W. Altes</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  2,000</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;
                  -</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lawrence
                  A. Bossidy</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">37,042</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6,906</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  100,200</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(3)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">53,318&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.78%</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">John
                  B. Davies</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  3,013</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">21,621&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">David
                  B. Farrell</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  2,405</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;
                  -</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Gayle
                  P. Fawcett</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">33,425</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">18,024&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Cornelius
                  D. Mahoney</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  111,734</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(4)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">15,000&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.47%</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Edward
                  G. McCormick</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">19,975</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">11,510&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Catherine
                  B. Miller</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  19,822</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(5)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6,906</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wayne
                  F. Patenaude</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  18,376</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(6)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">15,000&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">D.
                  Jeffrey Templeton</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">10,523</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">21,621&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Corydon
                  L. Thurston</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  12,256</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(7)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">11,510&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ann
                  H. Trabulsi</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  18,042</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(8)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">11,510&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Robert
                  A. Wells</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  58,363</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(9)</sup></font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">30,410&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.03%</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="46%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">&#160;</td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="46%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">All
                  Executive Officers, Directors and</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                  Director Nominees, as a Group (14 persons)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">447,176&#160;&#160;
                  </font></div>
              </td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">223,336&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">7.60%</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">__________________________________</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">*</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Represents
                  less than 1% of the Company&#8217;s outstanding
                  shares.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
                  column includes the following:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div align="center">
        <table cellpadding="0" cellspacing="0" width="75%">

            <tr>
              <td align="left" valign="bottom" width="23%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Shares
                  of</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Restricted</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Stock
                  Awards</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Held
                  In Trust</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Shares</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Allocated
                  Under</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>the
                  Berkshire</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Bank
                  ESOP</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Shares
                  Held In</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Trust
                  in the</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Berkshire
                  Bank</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>401(k)
                  Plan</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="bottom" width="23%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
              <td align="left" valign="bottom" width="3%">&#160;</td>
              <td align="left" valign="bottom" width="15%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Altes</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,000</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Bossidy</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">3,589</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Daly</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">23,206&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5,995&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">30,715&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Davies</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,000</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Farrell</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,000</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
                  Fawcett</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">10,814&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5,529&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">9,889&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Mahoney</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,000</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  McCormick</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,287</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
                  Miller</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,287</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Patenaude</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">9,870</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2,841&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Templeton</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,000</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Thurston</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,287</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
                  Trabulsi</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,287</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="23%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Wells</font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1,287</font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>-</strong></font></div>
              </td>
              <td valign="bottom" width="3%">&#160;</td>
              <td valign="bottom" width="15%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">20,659&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                  </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>(footnotes
        continued on next page)</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right">&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">7</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Based
                  on 8,593,018 shares of Company common stock outstanding and entitled
                  to
                  vote as of March&#160;16, 2006, plus the number of shares that each person
                  may acquire within 60 days by exercising stock
                  options.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  6,141 shares held in trust as part of the Berkshire Bank Supplemental
                  Executive Retirement Plan, with respect to which Mr. Daly has shared
                  voting power.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(4)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  9,639 shares allocated to Mr. Mahoney under the Woronoco Savings
                  Bank
                  Employee Stock Ownership Plan, which was assumed by Berkshire Bank
                  upon
                  completion of the merger, with respect to which Mr. Mahoney has
                  voting but
                  not investment power.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(5)&#160;&#160;&#160;&#160;&#160;&#160;
        </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
        1,036 shares held by Ms.&#160;Miller&#8217;s spouse.</font></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(6)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  950 shares held by the individual retirement account of Mr. Patenaude&#8217;s
                  spouse.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(7)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">106
                  shares held by Mr. Thurston&#8217;s child and 107</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">shares
                  held by a custodian for Mr. Thurston&#8217;s other
                  child.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(8)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  1,000 shares held by Ms.&#160;Trabulsi&#8217;s
                  spouse.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(9)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  3,410 shares held by Mr. Wells&#8217;
spouse.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Proposal
        1 &#8212; Election of Directors</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s Board of Directors currently consists of twelve members. All of the
        directors are independent under the current listing standards of the Nasdaq
        Stock Market, Inc., except for Michael P. Daly and Robert A. Wells. Mr. Daly
        is
        not independent because he is an employee of the Company and Berkshire Bank.
        Mr.
        Wells is not independent because he is a former employee of the Company and
        Berkshire Bank. The Board is divided into three classes, each with three-year
        staggered terms, with one-third of the directors elected each year. The nominees
        for election this year are Wallace W. Altes, Lawrence A. Bossidy, D. Jeffrey
        Templeton and Corydon L. Thurston, all of whom are current directors of the
        Company and the Bank. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
        Altes, who was appointed to the Board in January 2006, was recommended by
        the
        chief executive officer to the Corporate Governance/Nominating Committee
        at the
        suggestion of another executive officer of the Bank. The Corporate
        Governance/Nominating Committee then recommended Mr. Altes&#8217; appointment to the
        full Board of Directors. </font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">It
        is
        intended that the proxies solicited by the Board of Directors will be voted
        for
        the election of the nominees named above. If any nominee is unable to serve,
        the
        persons named in the proxy card will vote your shares to approve the election
        of
        any substitute proposed by the Board of Directors. Alternatively, the Board
        of
        Directors may adopt a resolution to reduce the size of the Board. At this
        time,
        the Board of Directors knows of no reason why any nominee might be unable
        to
        serve.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>The
        Board of Directors recommends a vote &#8220;FOR&#8221; the election of all
        nominees.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Information
        regarding the nominees and the directors continuing in office is provided
        below.
        Unless otherwise stated, each individual has held his or her current occupation
        for the last five years. The age indicated in each nominee&#8217;s biography is as of
        December 31, 2005. There are no family relationships among the directors
        or
        executive officers. The indicated period for service as a director includes
        service as a director of the Bank.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Nominees
        for Election of Directors</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        nominees standing for election are:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Wallace
        W. Altes</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        is the
        Executive-in-Residence at the Graduate College of Union University in
        Schenectady, New York. From 2002 to 2004, he was executive counsel to Sawchuk,
        Brown Associates, an Albany-based public relations firm and from 1989 to
        2002,
        he was the President of the Albany-Colonie Chamber of Commerce. Age 64. Mr.
        Altes was appointed to the Board on January 26, 2006.</font></div>
      <div>&#160;</div>
      <div>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">8</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Lawrence
        A. Bossidy</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        was the
        Chairman of Allied Signal from 1991 to 1999 and its Chief Executive Officer
        from
        1992 to 1999 when he became Chairman of Honeywell International, Inc. following
        the merger of the two companies. Mr. Bossidy served as the Chairman of Honeywell
        from December 1999 to April 2000 and from July 2001 until June 2002. Mr.
        Bossidy
        was also the Chief Executive Officer of Honeywell from July 2001 to February
        2002. Mr. Bossidy serves on the Boards of Directors of J.P. Morgan Chase
&amp;
Co. and Merck &amp; Co., Inc. Age 70. Director since 2002.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>D.
        Jeffrey Templeton</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        is the
        owner and President of The Mosher Company, Inc., located in Chicopee,
        Massachusetts, a manufacturer of buffing and polishing compounds, abrasive
        slurries and a distributor of related grinding, polishing and lapping machinery.
        Mr. Templeton is a former director of Woronoco Bancorp. Age 64. Director
        since
        2005.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Corydon
        L. Thurston</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        has
        served as an acquisition specialist for Redstone Properties, Inc., a land
        development company located in Williamstown, Massachusetts, since April 2005.
        He
        has also served as the President of North Adams Tower Company, Inc., which
        owns
        and manages telecommunication towers, since May 2004. Before these positions,
        he
        served as the President of Berkshire Broadcasting Company, Inc. until it
        sold
        the three radio stations it owned and operated in North Adams and Great
        Barrington, Massachusetts. Age 53. Director since 1988. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Directors
        Continuing in Office</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following directors have terms ending in 2007:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>John
        B. Davies</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        was
        appointed Executive Vice President of Massachusetts Mutual Life Insurance
        Company in 1994 and is currently an Agent Emeritus providing high net worth
        counseling with a focus on tax efficiency and intergenerational transfers
        of
        wealth. Mr. Davies is a former director of Woronoco Bancorp. Age 56. Director
        since 2005.</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33.4pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Edward
        G. McCormick </em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">is
        the
        managing partner of the law firm of McCormick, Murtagh &amp; Marcus, located in
        Great Barrington, Massachusetts. Age 58. Director since 1994.</font></div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Ann
        H. Trabulsi </em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">is
        a
        community volunteer serving on various non-profit boards, including Berkshire
        Medical Center and Berkshire Health Systems. Age 70. Director since
        1976.</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33.4pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Robert
        A. Wells </em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">was
        the
        Chairman of the Boards of the Company, the Bank, Berkshire Bank Foundation
        and
        Greater Berkshire Foundation, Inc. until his retirement from all Chairman
        positions in December 2003. Mr. Wells served as the President and Chief
        Executive Officer of Berkshire County Savings Bank before its merger with
        Great
        Barrington Savings Bank in May 1997. Age 66. Director since 1976.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following directors have terms ending in 2008:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Michael
        P. Daly</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        was
        appointed President and Chief Executive Officer of the Company and the Bank
        in
        October 2002. Prior to his appointment, Mr. Daly served as Senior Vice
        President, Commercial Lending from October 1997 until January 2000 and then
        as
        Executive Vice President of the Company and the Bank from January 2000 to
        October 2002. Age 44. Director since 2002.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>David
        B. Farrell</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        has
        served as the President and a member of the Board of Directors of Bob&#8217;s Stores,
        a retail company headquartered in Meriden, Connecticut, since October 1999.
        Bob&#8217;s Stores filed for Chapter 11 bankruptcy protection on October 22, 2003.
        Mr.
        Farrell led the company through the </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">9</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">bankruptcy
        reorganization process and on December 24, 2003, Bob&#8217;s Stores emerged from
        bankruptcy through the sale of substantially all of its assets to a subsidiary
        of the TJX Companies, Inc. Age 50. Director since 2005.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Cornelius
        D. Mahoney</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        served
        as President, Chief Executive Officer and Chairman of the Board of Woronoco
        Savings Bank and Woronoco Bancorp before their merger with the Company in
        June
        2005. He is a past Chairman of America&#8217;s Community Bankers, a past Chairman of
        the Massachusetts Bankers Association and a former Director of the Federal
        Home
        Loan Bank of Boston. He was a member of the Thrift Institution Advisory Council
        to the Federal Reserve Board of Governors and is a Chairman of the Board
        of
        Trustees at Westfield State College. Age 60. Director since 2005.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Catherine
        B. Miller</em></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        is a
        former partner and vice president of Wheeler &amp; Taylor, Inc., an insurance
        agency with offices in Stockbridge, Great Barrington and Sheffield,
        Massachusetts. Age 64. Director since 1983.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Proposal
        2 &#8212; Ratification of Independent Registered Public Accounting
        Firm</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Audit
        Committee of the Board of Directors has appointed Wolf &amp; Company, P.C. to be
        its independent registered public accounting firm for the 2006 fiscal year,
        subject to ratification by stockholders. A representative of Wolf &amp; Company,
        P.C. is expected to be present at the annual meeting to respond to appropriate
        questions from stockholders and will have the opportunity to make a statement
        should he or she desire to do so.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        the
        ratification of the appointment of the firm is not approved by a majority
        of the
        votes cast by stockholders at the annual meeting, other independent registered
        public accounting firms may be considered by the Audit Committee of the Board
        of
        Directors.</font></div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>The
        Board of Directors recommends that stockholders vote &#8220;FOR&#8221; the ratification of
        the appointment of Wolf &amp; Company, P.C. as independent registered public
        accounting firm.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">10</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Audit
        Fees</strong>&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table sets forth the fees billed to the Company for the fiscal
        years
        ending December 31, 2005 and December 31, 2004 by Wolf &amp; Company,
        P.C.:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" id="ftable" width="100%">

            <tr>
              <td width="9%">&#160;</td>
              <td align="left" valign="bottom" width="26%" style="border-bottom: #ffffff solid;">&#160;</td>
              <td width="2%" style="border-bottom: #ffffff thin solid;">&#160;</td>
              <td colspan="2" valign="bottom" width="9%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2005</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #ffffff thin solid;">&#160;</td>
              <td colspan="2" valign="bottom" width="9%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2004</font></div>
              </td>
              <td align="left" valign="bottom" width="43%" style="border-bottom: #ffffff thin solid;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="9%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="26%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Audit
                  Fees</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(1)</sup></font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">307,500</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">305,250</font></div>
              </td>
              <td align="left" valign="bottom" width="43%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="9%">&#160;</td>
              <td align="left" valign="bottom" width="26%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Audit-Related
                  Fees</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(2)</sup></font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">63,550</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">10,950</font></div>
              </td>
              <td align="left" valign="bottom" width="43%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td width="9%" bgcolor="#ffffff">&#160;</td>
              <td align="left" valign="bottom" width="26%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Tax
                  Fees</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><sup>(3)</sup></font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">104,755</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">48,200</font></div>
              </td>
              <td align="left" valign="bottom" width="43%" bgcolor="#ffffff" style="border-bottom: #ffffff;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td width="9%">&#160;</td>
              <td align="left" valign="bottom" width="26%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">All
                  other fees</font></div>
              </td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">&#8212;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">&#8212;</font></div>
              </td>
              <td align="left" valign="bottom" width="43%" style="border-bottom: white;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
        __________________________</font></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 63pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="width: 21pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Includes
                  fees for the financial statement audit and the audit of internal
                  controls
                  over financial reporting</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">and
                  quarterly reviews.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 63pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="width: 21pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Consists
                  of benefit plan audits. For 2005, also includes audit-related fees
                  associated with the Woronoco merger and an audit of the employee
                  stock
                  ownership plan in connection with its
                  termination.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 63pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="width: 21pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Consists
                  of tax filings and tax-related compliance and other advisory services.
                  For
                  2005, this amount also included tax fees resulting from the Woronoco
                  merger.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Pre-Approval
        of Services by the Independent Registered Public Accounting
        Firm</strong><strong>&#160;</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Audit
        Committee is responsible for appointing, setting compensation and overseeing
        the
        work of the independent auditor. In accordance with its charter, the Audit
        Committee approves, in advance, all audit and permissible non-audit services
        to
        be performed by the independent auditor. Such approval process ensures that
        the
        external auditor does not provide any non-audit services to the Company that
        are
        prohibited by law or regulation. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        addition, the Audit Committee has established a policy regarding pre-approval
        of
        all audit and permissible non-audit services provided by the independent
        auditor. Requests for services by the independent auditor for compliance
        with
        the auditor services policy must be specific as to the particular services
        to be
        provided. The request may be made with respect to either specific services
        or a
        type of service for predictable or recurring services. During the year ended
        December 31, 2005, all services were approved, in advance, by the Audit
        Committee in compliance with these procedures.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">11</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>The
        report of the Audit Committee shall not be deemed incorporated by reference
        by
        any general statement incorporating by reference this proxy statement into
        any
        filing under the Securities Act or the Exchange Act, except to the extent
        that
        the Company specifically incorporates this information by reference, and
        shall
        not otherwise be deemed filed under such Acts.</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Audit
        Committee Report</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>&#160;</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s management is responsible for the Company&#8217;s internal controls and
        financial reporting process. The Company&#8217;s independent registered public
        accounting firm is responsible for performing an independent audit of the
        Company&#8217;s consolidated financial statements and issuing an opinion on the
        conformity of those financial statements with generally accepted accounting
        principles. The Audit Committee oversees the Company&#8217;s internal controls and
        financial reporting process on behalf of the Board of Directors.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        this
        context, the Audit Committee has met and held discussions with management
        and
        the independent registered public accounting firm. Management represented
        to the
        Audit Committee that the Company&#8217;s consolidated financial statements were
        prepared in accordance with generally accepted accounting principles and
        the
        Audit Committee has reviewed and discussed the consolidated financial statements
        with management and the independent registered public accounting firm. The
        Audit
        Committee discussed with the independent registered public accounting firm
        matters required to be discussed by Statement on Auditing Standards No. 61
        (Communication With Audit Committees), including the quality, not just the
        acceptability, of the accounting principles, the reasonableness of significant
        judgments and the clarity of the disclosures in the financial statements.
        </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        addition, the Audit Committee has received the written disclosures and the
        letter from the independent registered public accounting firm required by
        the
        Independence Standards Board Standard No. 1 (Independence Discussions With
        Audit
        Committees) and has discussed with the independent registered public accounting
        firm the firm&#8217;s independence from the Company and its management. In concluding
        that the registered public accounting firm is independent, the Audit Committee
        considered, among other factors, whether the non-audit services provided
        by the
        firm were compatible with its independence.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Audit
        Committee discussed with the Company&#8217;s independent registered public accounting
        firm the overall scope and plans for their audit. The Audit Committee meets
        with
        the independent registered public accounting firm, with and without management
        present, to discuss the results of their examination, their evaluation of
        the
        Company&#8217;s internal controls, and the overall quality of the Company&#8217;s financial
        reporting.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        performing all of these functions, the Audit Committee acts only in an oversight
        capacity. In its oversight role, the Audit Committee relies on the work and
        assurances of the Company&#8217;s management, which has the primary responsibility for
        financial statements and reports, and of the independent registered public
        accounting firm who, in their report, express an opinion on the conformity
        of
        the Company&#8217;s financial statements to generally accepted accounting principles.
        The Audit Committee&#8217;s oversight does not provide it with an independent basis to
        determine that management has maintained appropriate accounting and financial
        reporting principles or policies, or appropriate internal controls and
        procedures designed to assure compliance with accounting standards and
        applicable laws and regulations. Furthermore, the Audit Committee&#8217;s
        considerations and discussions with management and the independent registered
        public accounting firm do not assure that the Company&#8217;s financial statements are
        presented in accordance with generally accepted accounting principles, that
        the
        audit of the Company&#8217;s</font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">12</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;financial
        statements has been carried out in accordance with generally accepted auditing
        standards or that the Company&#8217;s independent registered public accounting firm is
        in fact &#8220;independent.&#8221; </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        reliance on the reviews and discussions referred to above, the Audit Committee
        recommended to the Board of Directors, and the board has approved, that the
        audited consolidated financial statements be included in the Company&#8217;s Annual
        Report on Form 10-K for the year ended December 31, 2005 for filing with
        the
        Securities and Exchange Commission. The Audit Committee also has approved,
        subject to stockholder ratification, the selection of the Company&#8217;s independent
        registered public accounting firm, for the fiscal year ending December 31,
        2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Audit
        Committee of the Board of Directors of </strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Berkshire
        Hills Bancorp, Inc.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">David
        B.
        Farrell, Chair</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">John
        B.
        Davies</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Cornelius
        D. Mahoney</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Corydon
        L. Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">13</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Executive
        Compensation</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Summary
        Compensation Table</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following information is furnished for the President and Chief Executive
        Officer
        and all other executive officers who received a salary and bonus of $100,000
        or
        more during the year ended December&#160;31, 2005.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div><br>
        <div align="left"><br>
          <div align="left">
            <table border="0" cellpadding="0" cellspacing="0" width="100%">

                <tr>
                  <td align="left" valign="bottom" width="20%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td colspan="7" valign="bottom" width="38%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td colspan="3" valign="bottom" width="27%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Long-Term
                      Compensation</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">&#160;</td>
                </tr>
                <tr>
                  <td valign="bottom" width="20%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td colspan="7" valign="bottom" width="38%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Annual
                      Compensation</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td colspan="3" valign="bottom" width="27%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Awards</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">&#160;</td>
                </tr>
                <tr>
                  <td align="left" valign="bottom" width="20%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="bottom" width="12%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="bottom" width="13%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Securities</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="bottom" width="12%">&#160;</td>
                </tr>
                <tr>
                  <td align="left" valign="middle" width="20%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="7%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Other
                      Annual </strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Restricted</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Underlying</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>All
                      Other</strong></font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" valign="middle" width="20%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="7%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="middle" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Compensation</strong></font></div>
                  </td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Stock
                      Awards</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Options/SARs</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Compensation</strong></font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" valign="middle" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Name
                      and Position</strong></font></div>
                  </td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="middle" width="7%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Year</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Salary</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Bonus</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(1)</strong></font></div>
                  </td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>($)(2)</strong></font></div>
                  </td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(#)</strong></font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%" style="border-bottom: black thin solid;">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(3)</strong></font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" valign="bottom" width="20%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td align="left" valign="bottom" width="8%">&#160;</td>
                  <td align="left" valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">&#160;</td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">&#160;</td>
                </tr>
                <tr bgcolor="#e2eef6">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                      P. Daly</font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2005</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$355,000&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$126,000&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                      &#8212;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$175,500&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$289,344&#160;&#160;&#160;
                      </font></div>
                  </td>
                </tr>
                <tr bgcolor="white">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">President
                      and Chief </font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2004</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">325,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">115,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">113,400</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">6,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">126,539</font></div>
                  </td>
                </tr>
                <tr bgcolor="#e2eef6">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Executive
                      Officer</font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2003</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">285,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      85,000</font>&#160;</div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">783,466</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">41,481&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      75,432</font></div>
                  </td>
                </tr>
                <tr bgcolor="white">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wayne
                      F. Patenaude </font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="top" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2005</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$176,800&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$65,000
                      </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                      &#8212;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$&#160;
                      70,200&#160;&#160; </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$&#160;
                      81,634&#160;&#160; </font></div>
                  </td>
                </tr>
                <tr bgcolor="#e2eef6">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Senior
                      Vice President and Chief</font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="top" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2004</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">170,000</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      40,000 </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      56,700</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2,000</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      39,047</font></div>
                  </td>
                </tr>
                <tr bgcolor="white">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Financial
                      Officer </font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="top" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2003</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">135,834</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="8%">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      42,000&#160;</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">26,567&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">229,500</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">25,000&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8212;</font></div>
                  </td>
                </tr>
                <tr bgcolor="#e2eef6">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Gayle
                      P. Fawcett </font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2005</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$171,600&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$70,000
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8212;&#160;&#160;&#160;&#160;&#160;&#160;
                      &#160; </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$105,300&#160;&#160;
                      </font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$&#160;
                      82,678&#160;&#160; </font></div>
                  </td>
                </tr>
                <tr bgcolor="white">
                  <td align="left" valign="top" width="20%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Senior
                      Vice President </font></div>
                  </td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2004</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">165,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;42,500</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      56,700</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2,000</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      41,738</font></div>
                  </td>
                </tr>
                <tr bgcolor="#e2eef6">
                  <td align="left" valign="top" width="20%">&#160;</td>
                  <td align="left" valign="top" width="1%">&#160;</td>
                  <td valign="bottom" width="7%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2003</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">151,888</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="8%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      42,000</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;
                      &#8212;</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="bottom" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">331,400</font></div>
                  </td>
                  <td valign="bottom" width="1%">&#160;</td>
                  <td valign="top" width="13%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">9,652</font></div>
                  </td>
                  <td valign="top" width="1%">&#160;</td>
                  <td valign="top" width="12%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                      40,315</font></div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">__________________________<br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Does
                  not include the aggregate amount of perquisites and other benefits
                  that
                  was less than $50,000 or 10% of the total annual salary and bonus
                  reported.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Reflects
                  5,000, 2,000 and 3,000 shares granted to Messrs. Daly and Patenaude
                  and
                  Ms. Fawcett, respectively, under the Berkshire Hills Bancorp, Inc.
                  2003
                  Equity Compensation Plan. The dollar amount set forth in the table
                  represents the market value of the shares on the date of the grant.
                  The
                  restricted stock awards vest in three equal annual installments
                  beginning
                  on the first anniversary of the date of grant. When shares become
                  vested
                  and are distributed from the trust in which they are held, the
                  recipient
                  will also receive an amount equal to accumulated cash and stock
                  dividends
                  (if any) paid with respect thereto, plus earnings thereon. The
                  number and
                  value of all unvested shares of restricted stock held by each named
                  executive officer as of December 31, 2005, is as follows, based
                  on $33.50,
                  the closing price of the Company&#8217;s common stock on December 30,
                  2005:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="center">
        <table cellpadding="0" cellspacing="0" width="50%">

            <tr>
              <td align="left" valign="bottom" width="28%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="10%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Number
                  of</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Unvested
                  Shares</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="10%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Value
                  of</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Unvested
                  Shares</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="bottom" width="28%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="28%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Daly</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">32,106</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$1,075,551</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="28%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
                  Patenaude</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  9,055</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                  &#160;&#160; 303,343</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="28%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
                  Fawcett</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">13,198</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="10%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;
                  442,133</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div align="center">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Details
                  of the amounts reported in the &#8220;All Other Compensation&#8221; column for 2005
                  are provided in the table below.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="center">
        <table border="0" cellpadding="0" cellspacing="0" id="ftable" width="75%">

            <tr>
              <td align="left" valign="bottom" width="41%" style="border-bottom: #ffffff solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Item</u></strong></font></div>
              </td>
              <td width="2%" style="border-bottom: #ffffff solid;">&#160;</td>
              <td colspan="2" valign="bottom" width="9%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Mr.</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Daly</strong></font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #ffffff solid;">&#160;</td>
              <td colspan="2" valign="bottom" width="9%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Mr.</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Patenaude</strong></font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #ffffff solid;">&#160;</td>
              <td colspan="2" valign="bottom" width="9%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Ms.</strong></font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Fawcett</strong></font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="bottom" width="41%" style="border-bottom: medium none;">&#160;</td>
              <td width="2%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" colspan="2" valign="bottom" width="9%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" colspan="2" valign="bottom" width="9%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" colspan="2" valign="bottom" width="9%" style="border-bottom: medium none;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="41%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Employer
                  contribution to 401(k) plan</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">14,700</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">12,531</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">12,390</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="41%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="41%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Market
                  value of allocations under the employee</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;
</font>stock
                  ownership
                  plan</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">68,920</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">69,103</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: #e2eef6;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">70,288</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="41%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="41%" style="border-bottom: #e2eef6 solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Market
                  value of allocations under the supplemental </font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>executive
                  retirement plan</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6 thin solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">205,724</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6 thin solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">&#8212;</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6 thin solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">&#8212;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6 thin solid;">&#160;</td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="41%" style="border-bottom: white;">&#160;</td>
              <td width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: white;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: white;">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="41%" style="border-bottom: #e2eef6 solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Total</font></div>
              </td>
              <td width="2%" style="border-bottom: #e2eef6 thin solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">289,344</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6 solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">81,634</font></div>
              </td>
              <td align="left" valign="bottom" width="2%" style="border-bottom: #e2eef6 solid;">&#160;</td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">$</font></div>
              </td>
              <td align="right" valign="bottom" width="8%" style="border-bottom: black double;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; MARGIN-LEFT: 0px; TEXT-INDENT: 0px; MARGIN-RIGHT: 0px; FONT-FAMILY: Times New Roman">82,678</font></div>
              </td>
              <td align="left" valign="bottom" width="1%" style="border-bottom: #e2eef6 solid;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">14</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Employment
        Agreements</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
        Bank and Berkshire Hills each maintain an employment agreement with Mr. Daly,
        which provides for a two-year term that extends daily unless the Board of
        Directors or Mr. Daly gives the other party written notice of non-renewal.
        The
        employment agreements provide for a base salary which is reviewed at least
        annually. Mr. Daly&#8217;s current salary is $355,000. In addition to the base salary,
        the employment agreements provide for, among other things, participation
        in
        stock and employee benefit plans and fringe benefits applicable to executive
        personnel. </font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        Mr.
        Daly dies during the agreement term, the Bank will pay his beneficiary his
        base
        salary, and continue his dependents&#8217; medical coverage for six months. If Mr.
        Daly becomes disabled and begins to receive benefits under the long-term
        disability insurance policy maintained by the Bank, the Bank may reduce Mr.
        Daly&#8217;s base salary by amounts he receives under the disability policy insurance.
        If Mr. Daly becomes incapacitated as a result of a disability and can no
        longer
        perform his duties, the Bank may terminate the agreement and pay him severance
        in the same manner as for involuntary termination, as discussed below. Upon
        such
        termination, Mr. Daly will receive continued medical and life insurance coverage
        for two years following his termination of employment. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        employment agreements provide for termination by Berkshire Bank or Berkshire
        Hills for cause, as defined in the employment agreements, at any time. If
        Berkshire Bank or Berkshire Hills chooses to terminate Mr. Daly&#8217;s employment for
        reasons other than for cause (including his incapacity due to disability
        as
        discussed above), or if he resigns from Berkshire Bank or Berkshire Hills
        under
        specified circumstances that would constitute constructive termination, Mr.
        Daly
        (or, upon his death, his beneficiary) would be entitled to receive an amount
        equal to the remaining base salary and incentive compensation payments,
        including amounts related to stock-based compensation, due for the remaining
        term of the employment agreement and the contributions that would have been
        made
        on his behalf to any employee benefit plans of Berkshire Bank and Berkshire
        Hills during the remaining term of the employment agreement. Berkshire Bank
        and
        Berkshire Hills would also continue and/or pay for life, health, dental and
        disability coverage for Mr. Daly and his covered dependents until the earliest
        of his death, employment with another employer or the end of the remaining
        term
        of the employment agreements. Upon termination of the executive&#8217;s employment
        under these circumstances, the executive must adhere to a one-year
        non-competition and non-disclosure restriction.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 9pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Under
        the
        employment agreements, if voluntary (upon circumstances discussed in the
        agreements) or involuntary termination follows a change in control of Berkshire
        Bank or Berkshire Hills, Mr. Daly (or, upon his death, his beneficiary) would
        be
        entitled to a severance payment equal to the greater of: (1)&#160;the payments
        due for the remaining term of the agreement; or (2)&#160;three times the average
        of his annual compensation (as described in the agreements) for the five
        preceding taxable years. Berkshire Bank and Berkshire Hills would also continue
        Mr. Daly&#8217;s life, health and disability coverage for thirty-six months. Even
        though the Berkshire Bank and Berkshire Hills employment agreements each
        provide
        for a severance payment if a change in control occurs, Mr. Daly would not
        receive duplicative payments or benefits under the agreements. Mr. Daly would
        also be entitled to receive a tax indemnification payment if payments under
        the
        employment agreements trigger liability under the Internal Revenue Code for
        the
        excise tax applicable to &#8220;excess parachute payments.&#8221; Under applicable law, the
        excise tax is triggered by change in control-related payments that equal
        or
        exceed a &#8220;base&#8221; amount that is three times the executive&#8217;s average taxable
        income over the five years preceding the change in control. The excise tax
        equals 20% of the amount of the payment in excess of the executive&#8217;s base
        amount.</font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">15</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Payments
        to Mr. Daly under the Bank&#8217;s employment agreement are guaranteed by Berkshire
        Hills if payments or benefits are not paid by the Bank. All reasonable costs
        and
        legal fees paid or incurred by Mr. Daly in any dispute or question of
        interpretation relating to the employment agreements will be paid by Berkshire
        Bank or Berkshire Hills, respectively, if he is successful on the merits
        in a
        legal judgment, arbitration or settlement. The employment agreements also
        provide that Berkshire Bank and Berkshire Hills will indemnify Mr. Daly to
        the
        fullest extent legally allowable.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Change
        in Control Agreements</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
        Hills and Berkshire Bank each maintain a change in control agreement with
        Mr.
        Patenaude and Ms. Fawcett. Each change in control agreement has a term of
        three
        years and is renewable annually for an additional year at the sole discretion
        of
        the Boards of Directors of the Bank and Berkshire Hills. The change in control
        agreements provide that if involuntary termination, other than for cause,
        or
        voluntary termination (upon the occurrence of circumstances specified in
        the
        agreements) follows a change in control of Berkshire Hills or Berkshire Bank,
        Mr. Patenaude and Ms. Fawcett will be entitled to receive a severance payment
        equal to three times his or her average annual compensation (as described
        in the
        agreements) for the five most recent taxable years. Berkshire Bank will also
        continue their health and welfare benefits coverage for thirty-six months
        following termination. Mr. Patenaude and Ms. Fawcett must comply with a one-year
        non-competition and non-disclosure provision following their receipt of
        severance payments under the agreements.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font id="TAB1" style="MARGIN-LEFT: 9pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Although
        Berkshire Bank and Berkshire Hills agreements each provide for severance
        payments upon termination in connection with a change in control, Mr. Patenaude
        and Ms. Fawcett would not receive any duplicative payments. Mr. Patenaude
        and
        Ms. Fawcett would receive tax indemnification if their individual severance
        payments trigger liability for the excise tax on excess parachute payments
        under
        the Internal Revenue Code.</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Other
        Retirement Arrangement</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
        Bank maintains a supplemental retirement arrangement with Mr. Daly to provide
        him with an annual retirement benefit at age 62 equal to 70% of his average
        compensation, calculated based on the three consecutive years during which
        his
        compensation is the highest. Benefits under the supplemental retirement
        arrangement are reduced by the benefits Mr. Daly would receive under the
        401(k)
        plan and ESOP, and by 50% of his social security benefits.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        supplemental retirement arrangement also provides for a reduced benefit upon
        Mr.
        Daly&#8217;s early retirement after age 55 but prior to age 62, and upon his death or
        disability. If Mr. Daly terminates employment in connection with a change
        in
        control, he would receive an annual benefit equal to the retirement benefit
        he
        would have received if he retired on the date immediately preceding his
        termination and had attained age 62, regardless of his actual age on the
        termination date. Mr. Daly may elect to receive supplemental retirement benefits
        in the form of an annuity with ten annual payments guaranteed, or in an
        actuarial equivalent lump sum.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">16</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Fiscal
        Year-End Option Values</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following table provides certain information regarding the exercise of options
        during the past fiscal year and certain information with respect to the number
        and value of shares of Berkshire Hills common stock represented by outstanding
        options held by the named executive officers as of December 31, 2005.
</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div><br>
        <div>
          <table cellpadding="0" cellspacing="0" width="100%">

              <tr>
                <td align="left" valign="bottom" width="25%">&#160;</td>
                <td valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Shares
                    </strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Acquired
                    on</strong></font></div>
                </td>
                <td valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Value</strong></font></div>
                </td>
                <td valign="bottom" width="1%">&#160;</td>
                <td colspan="3" valign="bottom" width="15%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Number
                    of Securities</strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Underlying
                    Unexercised</strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Options
                    at</strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Fiscal
                    Year End (#)</strong></font></div>
                </td>
                <td valign="bottom" width="1%">&#160;</td>
                <td colspan="3" valign="bottom" width="17%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Value
                    of Unexercised</strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>In-the-Money
                    Options</strong></font></div>
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>at
                    Fiscal Year End ($)(1)</strong></font></div>
                </td>
              </tr>
              <tr>
                <td align="left" valign="bottom" width="25%" style="border-bottom: #ffffff solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Name</u></strong></font></div>
                </td>
                <td align="left" valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Exercise
                    (#)</strong></font></div>
                </td>
                <td valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Realized
                    ($)</strong></font></div>
                </td>
                <td valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Exercisable</strong></font></div>
                </td>
                <td valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Unexercisable</strong></font></div>
                </td>
                <td valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Exercisable</strong></font></div>
                </td>
                <td valign="bottom" width="1%" style="border-bottom: #ffffff solid;">&#160;</td>
                <td valign="bottom" width="9%" style="border-bottom: black thin solid;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Unexercisable</strong></font></div>
                </td>
              </tr>
              <tr>
                <td align="left" valign="bottom" width="25%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="8%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="8%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="7%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="8%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="7%">&#160;</td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td align="left" valign="bottom" width="9%">&#160;</td>
              </tr>
              <tr bgcolor="#e2eef6">
                <td align="left" valign="bottom" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                    P. Daly</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">15,940</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$300,469</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">31,348</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">38,562</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$433,994&#160;&#160;
                    </font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="9%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$407,280&#160;&#160;
                    </font></div>
                </td>
              </tr>
              <tr bgcolor="white">
                <td align="left" valign="bottom" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wayne
                    F. Patenaude</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                    -</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                    -</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">10,000</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">17,000</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">105,500</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="9%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">158,250</font></div>
                </td>
              </tr>
              <tr bgcolor="#e2eef6">
                <td align="left" valign="bottom" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Gayle
                    P. Fawcett</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;5,116</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
                    79,554</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">11,025</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="8%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">10,859</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="7%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">163,234</font></div>
                </td>
                <td align="left" valign="bottom" width="1%">&#160;</td>
                <td valign="bottom" width="9%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">116,254</font></div>
                </td>
              </tr>

          </table>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">__________________________</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 27pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Value
                  of unexercisable in-the-money stock options equals the market value
                  of
                  shares covered by in-the-money options on December 31, 2005, less
                  the
                  option exercise price. Options are in-the-money if the market value
                  of
                  shares covered by the options is greater than the exercise
                  price.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>The
        report of the Compensation Committee and the stock performance graph shall
        not
        be deemed incorporated by reference by any general statement incorporating
        by
        reference this proxy statement into any filing under the Securities Act or
        the
        Exchange Act, except to the extent that the Company specifically incorporates
        this information by reference, and shall not otherwise be deemed filed under
        such Acts.</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Compensation
        Committee Report on Executive Compensation</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>General</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Under
        the
        rules established by the Securities and Exchange Commission, the Company
        is
        required to provide certain data and information about the compensation and
        benefits provided to the Company&#8217;s Chief Executive Officer (the &#8220;CEO&#8221;) and the
        other executive officers of the Company. The disclosure requirements for
        the CEO
        and other executive officers include the use of tables and a report explaining
        the rationale and considerations that led to fundamental compensation decisions
        affecting those individuals. In fulfillment of this requirement, the Company&#8217;s
        Compensation Committee, at the direction of the Board of Directors, has prepared
        the following report for inclusion in this proxy statement. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Policies
        and Practices</strong></font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Compensation Committee approves the compensation objectives for the Company
        and
        the Bank and establishes the compensation for the CEO and other executives.
        </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Compensation Committee reviews all compensation components for the Company&#8217;s CEO
        and other highly compensated executive officers&#8217; compensation including base
        salary, annual incentive, long-term incentives/equity, benefits and other
        perquisites. In addition to reviewing competitive market values, the Committee
        also examines the total compensation mix, pay-for-performance relationship,
        and
        how all elements, in aggregate, comprise the executive&#8217;s total compensation
        package. </font></div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Decisions
        by the Compensation Committee with respect to the compensation of executive
        officers are approved by the full Board of Directors. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">17</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Philosophy
        and Policy. </em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s executive compensation program is designed to attract, retain,
        motivate and reward the highly qualified individuals required to achieve
        the
        Company&#8217;s objectives and create long-term shareholder value. In determining the
        appropriate level of compensation, the Compensation Committee considers the
        compensation paid by other peer institutions, individual executive performance
        and Company performance. The Company performs a peer analysis on an annual
        basis
        relative to a group of peer banks of similar asset size, with a particular
        focus
        on institutions in the Northeast Region. In addition, the Compensation Committee
        periodically retains the services of an outside compensation consultant to
        compare the total compensation and components of compensation for the Company&#8217;s
        executive officers. The objective of the annual review is to ensure the
        Company&#8217;s total compensation program is appropriate in light of performance and
        market practice, aligned with shareholder interests and effectively supports
        the
        achievement of the Company&#8217;s strategic goals and objectives. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Base
        salaries. </em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Base
        salaries are tied to the level of responsibility of each executive officer
        and
        are established to be consistent and competitive with the practices of
        comparable financial institutions in the region. The Company targets a
        philosophy of paying at market median, with individual executive pay reflecting
        individual performance, experience and responsibilities. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Annual
        Incentive Compensation. </em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">All
        executive officers participate in the Bank&#8217;s Incentive Compensation Plan, which
        provides performance-based cash awards. Award targets are established based
        on
        market practice and designed to provide competitive awards for the achievement
        of specific performance goals. Actual awards vary based on the achievement
        of
        Company, department and individual goals. For 2005, the Company performance
        goals were based on improvement in earnings per share, return on assets and
        efficiency ratio. The Compensation Committee reviews the Incentive Compensation
        Plan each year and resets the specific goals and targets for executives to
        align
        with business needs and desired compensation philosophy. For 2005, the annual
        target incentives were 30% of base salary for the CEO and 20% or 25% for
        the
        senior executives. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Long-Term
        Incentive/Equity Compensation. </em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Executives
        are also eligible to receive annual equity awards in the form of stock options
        and/or restricted stock as part of the Company&#8217;s 2001 Stock-Based Incentive
        Program and 2003 Equity Compensation Plan. The equity awards are designed
        to
        reward long-term performance and align executives with shareholder interests.
        Equity award values are based on competitive market practices, Company
        performance and individual performance. The Compensation Committee is
        authorized, at its discretion, to grant stock options and shares of restricted
        stock in proportion and upon such terms and conditions as the Committee may
        determine. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Benefits
        and Perquisites. </em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        addition, executive officers participate in other benefit plans available
        to all
        employees including the 401(k) Plan and the Employee Stock Ownership Plan.
        Executive officers may, at the discretion of the Compensation Committee,
        also
        participate in a Supplemental Executive Retirement Plan (the &#8220;SERP&#8221;) or other
        executive benefits and perquisites. At the current time, the CEO is the only
        executive who participates in the SERP. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">18</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Compensation
        of the Chief Executive Officer</strong>&#160;&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        CEO&#8217;s
        performance is reviewed and set each year by the Compensation Committee.
        A
        written performance review is prepared that includes an assessment of the
        CEO&#8217;s
        performance against defined individual leadership goals and financial and
        growth
        objectives of the Company. The Compensation Committee reviews the base salary
        of
        the CEO each year relative to compensation paid to peers at similar institutions
        as well as the executive&#8217;s experience, performance and total compensation. The
        Compensation Committee established Mr. Daly&#8217;s base salary effective January 1,
        2005, at $355,000 based on these factors. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        CEO
        also received $126,000 under the Company&#8217;s Incentive Compensation Plan. The
        payment reflected achievement by the Company of the stated earnings per share,
        return on asset ratio and efficiency ratio goals, as well as other established
        performance goals and objectives and the Committee&#8217;s assessment of individual
        performance. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        CEO
        was awarded 4,730 shares of restricted stock. The Company may use a combination
        of stock options and restricted stock awards to provide a balanced approach
        to
        equity ownership. The Compensation Committee based the equity award on a
        combination of three factors: (1) practices of peer banks; (2) Company
        performance; and (3) Mr. Daly&#8217;s contribution to the growth and success of the
        Company. This restricted stock award has a three-year vesting
        provision.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Compensation
        Committee of the Board of Directors of </strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Berkshire
        Hills Bancorp, Inc.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Catherine
        B. Miller, Chair</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lawrence
        A. Bossidy</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">John
        B.
        Davies</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Edward
        G.
        McCormick</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">19</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Stock
        Performance Graph</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        following graph compares the cumulative total stockholder return on the Company
        common stock with: (1) the cumulative total return on the American Stock
        Exchange Major Market Index; (2) with the Nasdaq Composite Index; and (3)
        the
        SNL $1 Billion - $5 Billion Thrift Index. The Nasdaq Composite Index has
        been
        included to reflect the Company&#8217;s switch from the American Stock Exchange to the
        Nasdaq National Market on October 25, 2005. The graph assumes that $100 was
        invested at the close of business on December 31, 2000. Total return assumes
        the
        reinvestment of all dividends. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font size="2"><img src="graph75118.jpg" alt="Stock Performance Graph"></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div>
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="bottom" width="34%">&#160;</td>
              <td valign="bottom" width="1%">&#160;</td>
              <td colspan="11" valign="bottom" width="45%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Period
                  Ended</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="bottom" width="34%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/00</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/01</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/02</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/03</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="7%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/04</strong></font></div>
              </td>
              <td valign="bottom" width="1%">&#160;</td>
              <td valign="bottom" width="8%" style="border-bottom: black thin solid;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>12/31/05</strong></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="bottom" width="34%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="7%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="7%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="7%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="7%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="7%">&#160;</td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="left" valign="bottom" width="8%">&#160;</td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="34%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Berkshire
                  Hills Bancorp, Inc.</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$100.00</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$131.64</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$156.27</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$244.32</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$254.11</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="8%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">$232.69</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="34%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Nasdaq
                  Composite Index</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">100.00</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">79.18</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">54.44</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">82.09</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">89.59</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="8%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">91.54</font></div>
              </td>
            </tr>
            <tr bgcolor="#e2eef6">
              <td align="left" valign="bottom" width="34%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  AMEX Major Market Index</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">100.00</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">97.48</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">85.56</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">106.13</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">116.78</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="8%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">111.86</font></div>
              </td>
            </tr>
            <tr bgcolor="white">
              <td align="left" valign="bottom" width="34%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  SNL $1 Billion - $5 Billion Thrift Index</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
              </td>
              <td align="left" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">100.00</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">142.57</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">182.57</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">273.83</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="7%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">310.33</font></div>
              </td>
              <td align="right" valign="bottom" width="1%">&#160;</td>
              <td align="right" valign="bottom" width="8%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">307.62</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">20</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Section
        16(a) Beneficial Ownership Reporting Compliance</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
        16(a) of the Securities Exchange Act of 1934 requires the Company&#8217;s executive
        officers and directors, and persons who own more than 10% of any registered
        class of the Company&#8217;s equity securities, to file reports of ownership and
        changes in ownership with the Securities and Exchange Commission. These
        individuals are required by regulation to furnish the Company with copies
        of all
        Section 16(a) reports they file.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Based
        solely on its review of the copies of the reports it has received and written
        representations provided to the Company from the individuals required to
        file
        the reports, the Company believes that each of its executive officers and
        directors has complied with applicable reporting requirements for transactions
        in Company common stock during the fiscal year ended December 31, 2005, except
        for one late report filed by each of Messrs. Davies, Mahoney and Templeton
        relating to the shares of Berkshire Hills common stock they acquired in the
        merger, one late report filed by each of Messrs. Daly and Patenaude and Ms.
        Fawcett with regard to the sale of common stock to satisfy tax obligations
        in
        connection with the vesting of restricted stock awards; one late report filed
        by
        Mr. Mahoney relating to his initial report of beneficial ownership; and one
        late
        report filed by Mr. Wells with regard to the rollover of shares into an
        individual retirement account and two gift transactions.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Transactions
        with Management</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Sarbanes-Oxley Act generally prohibits loans by Berkshire Bank to its executive
        officers and directors. However, the Sarbanes-Oxley Act contains a specific
        exemption from such prohibition for loans by Berkshire Bank to its executive
        officers and directors in compliance with federal banking regulations. Federal
        banking regulations require that all loans or extensions of credit to executive
        officers and directors of insured financial institutions must be made on
        substantially the same terms, including interest rates and collateral, as
        those
        prevailing at the time for comparable transactions with other persons, except
        for loans made under programs generally available to all employees and must
        not
        involve more than the normal risk of repayment or present other unfavorable
        features. Berkshire Bank is therefore prohibited from making any new loans
        or
        extensions of credit to executive officers and directors at different rates
        or
        terms than those offered to the general public, except for loans made pursuant
        to programs generally available to all employees, and has adopted a policy
        to
        this effect. In addition, loans made to a director or executive officer in
        an
        amount that, when aggregated with the amount of all loans to such person
        and his
        or her related interests, are in excess of the greater of $25,000 or 5% of
        the
        Bank&#8217;s capital and surplus (up to a maximum of $500,000) must be approved in
        advance by a majority of the disinterested members of the Board of
        Directors.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Corporate
        Governance/Nominating Committee Procedures</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>General</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">It
        is the
        policy of the Corporate Governance/Nominating Committee of the Board of
        Directors of the Company to consider director candidates recommended by
        stockholders who appear to be qualified to serve on the Company&#8217;s Board of
        Directors. The Corporate Governance/Nominating Committee may choose not to
        consider an unsolicited recommendation if no vacancy exists on the Board
        of
        Directors and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">the
        Corporate Governance/Nominating Committee does not perceive a need to increase
        the size of the Board of Directors. To avoid the unnecessary use of the
        Corporate Governance/Nominating Committee&#8217;s resources, the Corporate
        Governance/Nominating Committee will consider only those director candidates
        recommended in accordance with the procedures set forth below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">21</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Procedures
        to be Followed by Stockholders</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
        submit
        a recommendation of a director candidate to the Corporate Governance/Nominating
        Committee, a stockholder should submit the following information in writing,
        addressed to the Chairman of the Corporate Governance/Nominating Committee,
        care
        of the Corporate Secretary, at the main office of the Company:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33.4pt">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        name
        of the person recommended as a director candidate;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">All
                  information relating to such person that is required to be disclosed
                  in
                  solicitations of proxies for election of directors pursuant to
                  Regulation
                  14A under the Securities Exchange Act of
                  1934;</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">3.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  written consent of the person being recommended as a director candidate
                  to
                  being named in the proxy statement as a nominee and to serving
                  as a
                  director if elected; </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">4.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
                  to the stockholder making the recommendation, the name and address
                  of such
                  stockholder as they appear on the Company&#8217;s books; provided, however, that
                  if the stockholder is not a registered holder of the Company&#8217;s common
                  stock, the stockholder should submit his or her name and address
                  along
                  with a current written statement from the record holder of the
                  shares that
                  reflects ownership of the Company&#8217;s common stock;
                  and</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">5.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A
                  statement disclosing whether such stockholder is acting with or
                  on behalf
                  of any other person and, if applicable, the identity of such
                  person.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
        order
        for a director candidate to be considered for nomination at the Company&#8217;s annual
        meeting of stockholders, the recommendation must be received by the Corporate
        Governance/Nominating Committee at least 120 calendar days before the date
        the
        Company&#8217;s proxy statement was released to stockholders in connection with the
        previous year&#8217;s annual meeting, advanced by one year.</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Process
        for Identifying and Evaluating Nominees</strong>&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        process that the Corporate Governance/Nominating Committee follows to identify
        and evaluate individuals to be nominated for election to the Board of Directors
        is as follows: </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Identification.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        For
        purposes of identifying nominees for the Board of Directors, the Corporate
        Governance/Nominating Committee relies on personal contacts of the committee
        members and other members of the Board of Directors, as well as its knowledge
        of
        members of the communities served by Berkshire Bank. The Corporate
        Governance/Nominating Committee will also consider director candidates
        recommended by stockholders in accordance with the policy and procedures
        set
        forth above. The Corporate Governance/Nominating Committee has not previously
        used an independent search firm to identify nominees.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><em>Evaluation.</em></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        In
        evaluating potential nominees, the Corporate Governance/Nominating Committee
        determines whether the candidate is eligible and qualified for service on
        the
        Board of Directors by evaluating the candidate under certain criteria, which
        are
        described below. If such individual fulfills these criteria, the Corporate
        Governance/Nominating Committee will conduct a check of the individual&#8217;s
        background and interview the candidate to further assess the qualities of
        the
        prospective nominee and the contributions he or she would make to the
        Board.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">22</font></div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: gray" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
        </div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman"><strong>Qualifications</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Corporate Governance/Nominating Committee has adopted a set of criteria that
        it
        considers when it selects individuals to be nominated for election to the
        Board
        of Directors. A candidate must meet the eligibility requirements set forth
        in
        the Company&#8217;s bylaws, which include a residency requirement and a requirement
        that the candidate not have been subject to certain criminal or regulatory
        actions. A candidate also must meet any qualification requirements set forth
        in
        any Board or committee governing documents. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        the
        candidate is deemed eligible for election to the Board of Directors, the
        Corporate Governance/Nominating Committee will then evaluate the following
        criteria in selecting nominees: </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <ul>
          <li>
            <div style="MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;financial,
              regulatory and business experience; </font></div>
          </li>
          <li>
            <div style="MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;familiarity
              with and participation in the local community; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">integrity,
              honesty and reputation in connection with upholding a position of trust
              with
              respect to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">customers;
              </font></div>
          </li>
          <li>
            <div style="MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;dedication
              to the Company and its stockholders; and</font></div>
          </li>
          <li>
            <div style="MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;independence.</font></div>
          </li>
        </ul>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Committee will also consider any other factors the Corporate
        Governance/Nominating Committee deems relevant, including age, diversity,
        size
        of the Board of Directors and regulatory disclosure obligations. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">With
        respect to nominating an existing director for re-election to the Board of
        Directors, the Corporate Governance/Nominating Committee will consider and
        review an existing director&#8217;s board and committee attendance and performance;
        length of board service; experience, skills and contributions that the existing
        director brings to the board; and independence.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Submission
        of Business Proposals and Stockholder Nominations</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company must receive proposals that stockholders seek to include in the proxy
        statement for the Company&#8217;s next annual meeting no later than December 1, 2006.
        If next year&#8217;s annual meeting is held on a date more than 30 calendar days from
        May 4, 2007, a stockholder proposal must be received by a reasonable time
        before
        the Company begins to print and mail its proxy solicitation for such annual
        meeting. Any stockholder proposals will be subject to the requirements of
        the
        proxy rules adopted by the Securities and Exchange Commission.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 39pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s bylaws provide that, in order for a stockholder to make nominations
        for the election of directors or proposals for business to be brought before
        the
        annual meeting, a stockholder must deliver notice of such nominations and/or
        proposals to the Secretary not less than 90 days before the date of the annual
        meeting. However, if less than 100 days&#8217; notice or prior public disclosure of
        the date of the annual meeting is given to stockholders, such notice must
        be
        received not later than the close of business of the tenth day following
        the day
        on which notice of the date of the annual meeting was mailed to stockholders
        or
        prior public disclosure of the meeting date was made. A copy of the bylaws
        may
        be obtained from the Company.</font><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">23</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Stockholder
        Communications</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company encourages stockholder communications to the Board of Directors and/or
        individual directors. All communications from stockholders should be addressed
        to Berkshire Hills Bancorp, Inc., 24 North Street, Pittsfield, Massachusetts
        01201. Communications to the Board of Directors should be in the care of
        Gerald
        A. Denmark, Corporate Secretary. Communications to individual directors should
        be sent to such director at the Company&#8217;s address. Stockholders who wish to
        communicate with a Committee of the Board should send their communications
        to
        the care of the Chair of the particular committee, with a copy to Lawrence
        A.
        Bossidy, the Chair of the Corporate Governance/Nominating Committee. It is
        in
        the discretion of the Corporate Governance/Nominating Committee whether any
        communication sent to the full Board should be brought before the full Board.
        </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>Miscellaneous</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company will pay the cost of this proxy solicitation. The Company will reimburse
        brokerage firms and other custodians, nominees and fiduciaries for reasonable
        expenses incurred by them in sending proxy materials to the beneficial owners
        of
        the Company. Additionally, directors, officers and other employees of the
        Company may solicit proxies personally or by telephone. None of these persons
        will receive additional compensation for these activities. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Company&#8217;s Annual Report to Stockholders has been included with this proxy
        statement. Any stockholder who has not received a copy of the Annual Report
        may
        obtain a copy by writing to the Corporate Secretary of the Company. The Annual
        Report is not to be treated as part of the proxy solicitation material or
        as
        having been incorporated by reference into this proxy statement.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
        you
        and others who share your address own your shares in &#8220;street name,&#8221; your broker
        or other holder of record may be sending only one annual report and proxy
        statement to your address. This practice, known as &#8220;householding,&#8221; is designed
        to reduce our printing and postage costs. However, if a stockholder residing
        at
        such an address wishes to receive a separate annual report or proxy statement
        in
        the future, he or she should contact the broker or other holder of record.
        If
        you own your shares in &#8220;street name&#8221; and are receiving multiple copies of our
        annual report and proxy statement, you can request householding by contacting
        your broker or other holder of record.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Whether
        or not you plan to attend the annual meeting, please vote by marking, signing,
        dating and promptly returning the enclosed proxy card in the enclosed
        envelope.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>&#160;</div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">BY
                  ORDER OF THE BOARD OF DIRECTORS</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Gerald A. Denmark</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Gerald
                  A. Denmark</font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="60%">&#160;</td>
              <td align="left" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>Corporate
                  Secretary</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pittsfield,
        Massachusetts</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">April
        3,
        2006</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">24</font></div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>REVOCABLE
        PROXY</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>BERKSHIRE
        HILLS BANCORP, INC.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>ANNUAL
        MEETING OF STOCKHOLDERS</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>May
        4, 2006</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>10:00
        a.m., Local Time</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">_______________________________</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THIS
        PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        undersigned hereby appoints the official proxy committee of Berkshire Hills
        Bancorp, Inc. (the &#8220;Company&#8221;), consisting of Michael P. Daly, John B. Davies,
        Edward G. McCormick and Catherine B. Miller or any of them, with full power
        of
        substitution in each, to act as proxy for the undersigned, and to vote all
        shares of common stock of the Company which the undersigned is entitled to
        vote
        only at the Annual Meeting of Stockholders to be held on May 4, 2006 at 10:00
        a.m., local time, at the Crowne Plaza Hotel, One West Street, Pittsfield,
        Massachusetts and at any and all adjournments thereof, with all of the powers
        the undersigned would possess if personally present at such meeting as
        follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wallace
        W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br>
        <div align="left">
          <table border="0" cellpadding="0" cellspacing="0" width="100%">

              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                    ALL</div>
                </td>
                <td valign="top" width="15%">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
                </td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
                </td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
                </td>
                <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="15%">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="15%">&#160;</td>
              </tr>

          </table>
        </div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
        <div>&#160;</div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE LISTED
        PROPOSALS.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>This
        proxy is revocable and will be voted as directed, but if no instructions
        are
        specified, this proxy, properly signed and dated, will be voted &#8220;FOR&#8221; each of
        the proposals listed. If any other business is presented at the Annual Meeting,
        including whether or not to adjourn the meeting, this proxy will be voted
        by the
        proxies in their judgment. At the present time, the Board of Directors knows
        of
        no other business to be presented at the Annual Meeting. This proxy also
        confers
        discretionary authority on the Proxy Committee of the Board of Directors
        to vote
        (1) with respect to the election of any person as director, where the nominees
        are unable to serve or for good cause will not serve and (2) matters incident
        to
        the conduct of the meeting.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="5%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dated:</font></div>
              </td>
              <td align="justify" valign="top" width="35%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="5%">&#160;</td>
              <td align="justify" valign="top" width="35%">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">STOCKHOLDER
                  SIGN ABOVE</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="5%">&#160;</td>
              <td align="justify" valign="top" width="35%">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="5%">&#160;</td>
              <td align="justify" valign="top" width="35%">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="5%">&#160;</td>
              <td align="justify" valign="top" width="35%">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CO-HOLDER
                  (IF ANY) SIGN ABOVE</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        above
        signed acknowledges receipt from the Company prior to the execution of this
        proxy of a Notice of Annual Meeting of Stockholders, a Proxy Statement dated
        April 3, 2006 and an Annual Report to Stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Please
        sign exactly as your name appears on this card. When signing as attorney,
        executor, administrator, trustee or guardian, please give your full title.
        If
        shares are held jointly, each holder may sign but only one signature is
        required.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">_____________________________</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>PLEASE
        COMPLETE, DATE, SIGN AND PROMPTLY MAIL THIS PROXY</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>IN
        THE ENCLOSED POSTAGE-PAID ENVELOPE. </strong></font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>[Berkshire
        Hills Bancorp, Inc. Letterhead]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dear
        Berkshire ESOP Participant:</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        behalf
        of the Board of Directors of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221;), I am
        forwarding you the attached BLUE vote authorization form for you to convey
        your
        voting instructions to First Bankers Trust Services, Inc. (the &#8220;Trustee&#8221;) on the
        proposals to be presented at the Annual Meeting of Stockholders of Berkshire
        Hills Bancorp, Inc. to be held on May 4, 2006. Also enclosed is a Notice
        and
        Proxy Statement for the Annual Meeting of Stockholders and a copy of the
        Company&#8217;s Annual Report to Stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
        a
        participant in the Berkshire Bank Employee Stock Ownership Plan (the &#8220;Berkshire
        ESOP&#8221;), you are entitled to vote all shares of Company common stock allocated
        to
        your account as of March 16, 2006. All allocated shares of Company common
        stock
        will be voted as directed by participants, so long as participant instructions
        are received by the Trustee by April 26, 2006. If you do not direct the Trustee
        how to vote the shares of Company common stock allocated to your account,
        the
        Trustee will vote your shares in a manner calculated most accurately to reflect
        the instructions it receives from other participants, subject to its fiduciary
        duties.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
        direct
        the voting of the shares of Company common stock allocated to your account
        under
        the Berkshire ESOP, please complete and sign the attached BLUE vote
        authorization form and return it in the enclosed postage-paid envelope no
        later
        than April 26, 2006. Your vote will not be revealed, directly or indirectly,
        to
        any employee or director of the Company or Berkshire Bank.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Sincerely,</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Michael P. Daly</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>President
                  and Chief Executive Officer</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 252pt; TEXT-INDENT: -252pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>VOTE
        AUTHORIZATION FORM</u></strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">I
        understand that First Bankers Trust Services, Inc., the Trustee, is the holder
        of record and custodian of all shares of Berkshire Hills Bancorp, Inc. (the
        &#8220;Company&#8221;) common stock allocated to me under the Berkshire Bank Employee Stock
        Ownership Plan. Further, I understand that my voting instructions are solicited
        on behalf of the Company&#8217;s Board of Directors for the Annual Meeting of
        Stockholders to be held on May 4, 2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Accordingly,
        please vote my shares as follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;
        Wallace W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
          <table border="0" cellpadding="0" cellspacing="0" width="100%">

              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                    ALL</div>
                </td>
                <td valign="top" width="15%">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
                </td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
                </td>
                <td valign="top" width="25%" style="border-bottom: medium none;">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
                </td>
                <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="25%">&#160;</td>
                <td valign="top" width="15%">&#160;</td>
              </tr>
              <tr>
                <td valign="top" width="10%">&#160;</td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="25%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
                </td>
                <td valign="top" width="15%">&#160;</td>
              </tr>

          </table>
        </div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;

        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE LISTED
        PROPOSALS.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Trustee is hereby authorized to vote any shares allocated to me as indicated
        above. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date</font></div>
              </td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Signature</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Please
        date, sign and return this form in the enclosed envelope no later than April
        26,
        2006.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>[Berkshire
        Hills Bancorp, Inc. Letterhead]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dear
        Woronoco ESOP Participant:</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        behalf
        of the Board of Directors of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221;), I am
        forwarding you the attached IVORY vote authorization form for you to convey
        your
        voting instructions to First Bankers Trust Services, Inc. (the &#8220;Trustee&#8221;) on the
        proposals to be presented at the Annual Meeting of Stockholders of Berkshire
        Hills Bancorp, Inc. to be held on May 4, 2006. Also enclosed is a Notice
        and
        Proxy Statement for the Annual Meeting of Stockholders and a copy of the
        Company&#8217;s Annual Report to Stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
        a
        participant in the Woronoco Savings Bank Employee Stock Ownership Plan, as
        assumed by Berkshire Bank (the &#8220;Woronoco ESOP&#8221;), you are entitled to vote all
        shares of Company common stock allocated to your account as of March 16,
        2006.
        All allocated shares of Company common stock will be voted as directed by
        participants, so long as participant instructions are received by the Trustee
        by
        April 26, 2006. If you do not direct the Trustee how to vote the shares of
        Company common stock allocated to your account, the Trustee will vote your
        shares in a manner calculated most accurately to reflect the instructions
        it
        receives from other participants, subject to its fiduciary duties.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
        direct
        the voting of the shares of Company common stock allocated to your account
        under
        the Woronoco ESOP, please complete and sign the attached IVORY vote
        authorization form and return it in the enclosed postage-paid envelope no
        later
        than April 26, 2006. Your vote will not be revealed, directly or indirectly,
        to
        any employee or director of the Company or Berkshire Bank.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Sincerely,</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Michael P. Daly</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>President
                  and Chief Executive Officer</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 252pt; TEXT-INDENT: -252pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>VOTE
        AUTHORIZATION FORM</u></strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">I
        understand that First Bankers Trust Services, Inc., the Trustee, is the holder
        of record and custodian of all shares of Berkshire Hills Bancorp, Inc. (the
        &#8220;Company&#8221;) common stock allocated to me under the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Woronoco</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        Savings
        Bank Employee Stock Ownership Plan. Further, I understand that my voting
        instructions are solicited on behalf of the Company&#8217;s Board of Directors for the
        Annual Meeting of Stockholders to be held on May 4, 2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Accordingly,
        please vote my shares as follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;
        Wallace W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                  ALL</div>
              </td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE LISTED
        PROPOSALS.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Trustee is hereby authorized to vote any shares allocated to me as indicated
        above. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date</font></div>
              </td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Signature</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Please
        date, sign and return this form in the enclosed envelope no later than April
        26,
        2006.</strong></font></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>[Berkshire
        Hills Bancorp, Inc. Letterhead]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dear
        401(k) Plan Participant:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        behalf
        of the Board of Directors of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221;), I am
        forwarding to you the attached GREEN vote authorization card, for you to
        convey
        your voting instructions to Vanguard Fiduciary Trust Company (the &#8220;Trustee&#8221;) on
        the proposals to be presented at the Annual Meeting of Stockholders of Berkshire
        Hills Bancorp, Inc. to be held on May 4, 2006. Also enclosed is a Notice
        and
        Proxy Statement for the Annual Meeting of Stockholders and a copy of the
        Company&#8217;s Annual Report to Stockholders. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As
        a
        401(k) Plan participant investing in the Employer Stock Fund, you are entitled
        to direct the Trustee as to the voting of common stock credited to your account
        as of March 16, 2006. The Trustee will vote all shares of Company common
        stock
        for which no directions are given or for which timely instructions were not
        received in a manner calculated to most accurately reflect the instructions
        the
        Trustee received from participants regarding shares of Company common stock
        in
        their 401(k) Plan accounts. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
        direct
        the voting of your shares of Company common stock held in the Employer Stock
        Fund, please complete and sign the attached GREEN vote authorization card
        and
        return it in the accompanying postage-paid envelope by April 26, 2006. Your
        vote
        will not be revealed, directly or indirectly, to any employee or director
        of the
        Company or Berkshire Bank.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Sincerely,</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Michael P. Daly</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>President
                  and Chief Executive Officer</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>BERKSHIRE
        HILLS BANCORP, INC.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>ANNUAL
        MEETING OF STOCKHOLDERS</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>May
        4, 2006</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>10:00
        a.m., Local Time</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">_______________________________</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        undersigned hereby appoints the 401(k) Plan Trustee to vote all shares of
        common
        stock of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221;) under the Berkshire Bank
        401(k) Plan that the undersigned is entitled to vote at the Annual Meeting
        of
        Stockholders to be held on May 4, 2006 at 10:00 a.m., local time, at the
        Crowne
        Plaza Hotel, One West Street, Pittsfield, Massachusetts and at any and all
        adjournments thereof, as follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wallace
        W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                  ALL</div>
              </td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div>
        <hr style="COLOR: black" align="left" noshade size="1" width="100%">
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE LISTED
        PROPOSALS.</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="5%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date:</font></div>
              </td>
              <td align="justify" valign="top" width="35%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td align="justify" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="5%">&#160;</td>
              <td align="justify" valign="top" width="35%">&#160;</td>
              <td align="justify" valign="top" width="20%">&#160;</td>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Participant
                  sign above</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        above
        signed acknowledges receipt from the Company prior to the execution of this
        vote
        instruction card of a Notice of Annual Meeting of Stockholders, a Proxy
        Statement dated April 3, 2006 and an Annual Report to Stockholders.</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>PLEASE
        COMPLETE, DATE, SIGN AND PROMPTLY MAIL THIS VOTING INSTRUCTION CARD IN THE
        ENCLOSED POSTAGE-PAID ENVELOPE. </strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>[Berkshire
        Hills Bancorp, Inc. Letterhead]</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dear
        Stock Award Recipient:</font></div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        behalf
        of the Board of Directors of Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221;), I am
        forwarding you the attached YELLOW vote authorization form provided for you
        to
        convey your voting instructions to First Bankers Trust Services, Inc. (the
        &#8220;Trustee&#8221;) on the proposals to be presented at the Annual Meeting of
        Stockholders of Berkshire Hills Bancorp, Inc. to be held on May 4, 2006.
        Also
        enclosed is a Notice and Proxy Statement for the Annual Meeting of Stockholders
        and a copy of the Company&#8217;s Annual Report to Stockholders.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">You
        are
        entitled to vote all unvested shares of restricted Company common stock awarded
        to you under the Berkshire Hills Bancorp, Inc. 2001 Stock-Based Incentive
        Plan
        and/or 2003 Equity Compensation Plan (collectively referred to as the &#8220;Incentive
        Plan&#8221;) that are unvested as of March 16, 2006. The Incentive Plan Trustee will
        vote these shares of Company common stock held in the Incentive Plan Trust
        in
        accordance with instructions it receives from you and other Stock Award
        Recipients. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">To
        direct
        the voting of the unvested shares of Company common stock awarded to you
        under
        the Incentive Plan, you must complete and sign the attached YELLOW vote
        authorization form and return it in the enclosed postage-paid envelope no
        later
        than April 26, 2006. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Sincerely,</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>/s/
                  Michael P. Daly</em></font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">&#160;</td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
                  P. Daly</font></div>
              </td>
            </tr>
            <tr>
              <td align="justify" valign="top" width="60%">&#160;</td>
              <td align="justify" valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>President
                  and Chief Executive Officer</em></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 252pt; TEXT-INDENT: -252pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br>&#160;</div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
          <div style="WIDTH: 100%" align="left">
          </div>
        </div>
      </div><br><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>VOTE
        AUTHORIZATION FORM</u></strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">I
        understand that First Bankers Trust Services, Inc., the Trustee, is the holder
        of record and custodian of all unvested restricted shares of Berkshire Hills
        Bancorp, Inc. (the &#8220;Company&#8221;) common stock awarded to me under the Berkshire
        Hills Bancorp, Inc. 2001 Stock-Based Incentive Plan and/or 2003 Equity
        Compensation Plan (collectively referred to as the &#8220;Incentive Plan&#8221;). Further, I
        understand that my voting instructions are solicited on behalf of the Company&#8217;s
        Board of Directors for the Annual Meeting of Stockholders to be held on May
        4,
        2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Accordingly,
        please vote my shares as follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
        Wallace W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                  ALL</div>
              </td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><strong>THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE
        LISTED PROPOSALS.</strong></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Incentive Plan Trustee is hereby authorized to vote any unvested shares awarded
        to me as indicated above. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date</font></div>
              </td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Signature</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Please
        date, sign and return this form in the enclosed envelope no later than April
        26,
        2006.</strong></font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 33pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: gray" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>VOTE
        AUTHORIZATION FORM</u></strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">I
        understand that First Bankers Trust Services, Inc., the Trustee, is the holder
        of record and custodian of all shares of Berkshire Hills Bancorp, Inc. (the
        &#8220;Company&#8221;) common stock allocated to me under the Berkshire Bank Supplemental
        Executive Retirement Plan. Further, I understand that my voting instructions
        are
        solicited on behalf of the Company&#8217;s Board of Directors for the Annual Meeting
        of Stockholders to be held on May 4, 2006.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Accordingly,
        please vote my shares as follows:</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">1.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  election as directors of all nominees listed (unless the &#8220;For All Except&#8221;
                  box is marked and the instructions below are complied
                  with).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;
        Wallace W. Altes, Lawrence A. Bossidy, D. Jeffrey Templeton and Corydon L.
        Thurston</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: -36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;FOR
                  ALL</div>
              </td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">&#160;</td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>WITHHOLD</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>EXCEPT</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INSTRUCTION:
        To withhold your vote for any individual nominee, mark &#8220;FOR ALL EXCEPT&#8221; and
        write that nominee&#8217;s name on the line provided below.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <div>
          <hr style="COLOR: black" align="left" noshade size="1" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td style="width: 36pt;">&#160;</td>
              <td style="width: 36pt;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">2.</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
                  ratification of the appointment of Wolf &amp; Company, P.C. as independent
                  registered public accounting firm of Berkshire Hills Bancorp, Inc.
                  for the
                  fiscal year ending December 31,
                  2006.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="10%" style="border-bottom: medium none;">
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>FOR</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>AGAINST</u></font></div>
              </td>
              <td valign="top" width="25%" style="border-bottom: medium none;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>ABSTAIN</u></font></div>
              </td>
              <td valign="top" width="15%" style="border-bottom: medium none;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="25%">&#160;</td>
              <td valign="top" width="15%">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="10%">&#160;</td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
              <td valign="top" width="25%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: WP IconicSymbolsA">9</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">THE
        BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; EACH OF THE LISTED
        PROPOSALS</font>.</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Trustee is hereby authorized to vote any shares allocated to me as indicated
        above. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td align="left" valign="top" width="40%" style="border-bottom: black thin solid;">&#160;</td>
            </tr>
            <tr>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date</font></div>
              </td>
              <td align="left" valign="top" width="20%">&#160;</td>
              <td valign="top" width="40%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Signature</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Please
        date, sign and return this form in the enclosed envelope no later than April
        26,
        2006.</strong></font></div>
    </div>
  </body>
</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>graph75118.jpg
<DESCRIPTION>GRAPH
<TEXT>
begin 644 graph75118.jpg
M_]C_X``02D9)1@`!`0$!+`$L``#_VP!#``@&!@<&!0@'!P<)"0@*#!0-#`L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+#`Q-#0T'R<Y/3@R/"XS-#+_
MVP!#`0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P``1"`'0`B(#`2(``A$!`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#W^BBL_6]9
ML_#^CSZG?OLMX=H)R!EF8*HRQ"C+,!EB%&<D@`D`&A17D:ZU"]OXVN;;Q%:7
MVKMX7BN)9K"]$BQS(+K<(<'*(A:,#&",J6RS%CJ>*["S\,?VA_8%I!I/F>&M
M5G?[!&(-TD?D>6YV8RR[WVGJ-QQU-`'I%%<G;:3INA>.M.M](T^TT^"YTR\>
M>.TA6)9626V"%@H`8J'<`GIO;'4UUE`!17/_`/"9:7_SZZY_X(KW_P",U&/'
M.BM</;K%K)G1%=XQHE[N56)"DCRL@$JP![[3Z4`=)17-R>.=%A>%)8M91YGV
M1*VB7H+MM+87]UR=JL<#L">U2?\`"9:7_P`^NN?^"*]_^,T`=!17/_\`"9:7
M_P`^NN?^"*]_^,T?\)EI?_/KKG_@BO?_`(S0!T%%<_\`\)EI?_/KKG_@BO?_
M`(S1_P`)EI?_`#ZZY_X(KW_XS0!T%%<__P`)EI?_`#ZZY_X(KW_XS1_PF6E_
M\^NN?^"*]_\`C-`'045S_P#PF6E_\^NN?^"*]_\`C-'_``F6E_\`/KKG_@BO
M?_C-`'045S__``F6E_\`/KKG_@BO?_C-'_"9:7_SZZY_X(KW_P",T`=!17/_
M`/"9:7_SZZY_X(KW_P",T?\`"9:7_P`^NN?^"*]_^,T`=!17/_\`"9:7_P`^
MNN?^"*]_^,T?\)EI?_/KKG_@BO?_`(S0!T%%<_\`\)EI?_/KKG_@BO?_`(S1
M_P`)EI?_`#ZZY_X(KW_XS0!T%%<__P`)EI?_`#ZZY_X(KW_XS1_PF6E_\^NN
M?^"*]_\`C-`'045S_P#PF6E_\^NN?^"*]_\`C-'_``F6E_\`/KKG_@BO?_C-
M`'045S__``F6E_\`/KKG_@BO?_C-'_"9:7_SZZY_X(KW_P",T`=!17/_`/"9
M:7_SZZY_X(KW_P",T?\`"9:7_P`^NN?^"*]_^,T`=!17/_\`"9:7_P`^NN?^
M"*]_^,T?\)EI?_/KKG_@BO?_`(S0!T%%<_\`\)EI?_/KKG_@BO?_`(S1_P`)
MEI?_`#ZZY_X(KW_XS0!T%%<__P`)EI?_`#ZZY_X(KW_XS1_PF6E_\^NN?^"*
M]_\`C-`'045S_P#PF6E_\^NN?^"*]_\`C-'_``F6E_\`/KKG_@BO?_C-`'04
M5S__``F6E_\`/KKG_@BO?_C-'_"9:7_SZZY_X(KW_P",T`=!17/_`/"9:7_S
MZZY_X(KW_P",T?\`"9:7_P`^NN?^"*]_^,T`=!17/_\`"9:7_P`^NN?^"*]_
M^,T?\)EI?_/KKG_@BO?_`(S0!T%%<_\`\)EI?_/KKG_@BO?_`(S1_P`)EI?_
M`#ZZY_X(KW_XS0!T%%<__P`)EI?_`#ZZY_X(KW_XS1_PF6E_\^NN?^"*]_\`
MC-`'045S</CG1;E"\$6LRH'9"R:)>L`RL58<1=0P(([$$5)_PF6E_P#/KKG_
M`((KW_XS0!T%%<__`,)EI?\`SZZY_P""*]_^,T?\)EI?_/KKG_@BO?\`XS0!
MT%%<_P#\)EI?_/KKG_@BO?\`XS1_PF6E_P#/KKG_`((KW_XS0!T%%<__`,)E
MI?\`SZZY_P""*]_^,T?\)EI?_/KKG_@BO?\`XS0!T%%<_P#\)EI?_/KKG_@B
MO?\`XS1_PF6E_P#/KKG_`((KW_XS0!T%%4]-U.#5;=I[>.[1%<H1=6DMNV<`
M\+(JDCGKC'7T-7*`"BBB@`HHHH`****`"BBB@"G)I5C-<7<\UM'*]Y;K:W`D
M^99(E+D(5/&/WC]N=W.>*IVOA?2;7S\PSW7GQ-`_V^[EN_W;?>0><S85L#<!
M@-M&<X&-BB@#+TWP_I^E7#7$'VN6<H4$EW>S7+(I()"F5V*@D*2%QG:N<X&-
M2BB@`KC[C4+BS^(>J16>G3WUU-I5CL52$C0"6[&Z20\*N2O`#.1DJC;3CL*X
M/Q1/-:W'CJXMY9(9XO"\+QR1L59&!O2"".00><T`7+6VEN-1G-@OGZDVZ"]\
M1-$FV(`_/!;J23\I``7!C5@Q=I)%=7T/^$>U3_H<]<_[\V7_`,CUN000VMO%
M;V\4<,$2!(XXU"JB@8``'``'&*X?QKJOQ(L=9AB\'^']-U#3S;JTDMU(%82[
MFRHS*G&T*>G<\^@!N?\`"/:I_P!#GKG_`'YLO_D>C_A'M4_Z'/7/^_-E_P#(
M]>?_`/"0_'/_`*$S0_\`O\O_`,D4?\)#\<_^A,T/_O\`+_\`)%`'H'_"/:I_
MT.>N?]^;+_Y'H_X1[5/^ASUS_OS9?_(]>"7/QG\;+K274CZ8CVR/"UG"I>UD
M)/+$AR6.0,,K8XXX+;NXA\4?&ZY@CG@\(Z!+#*H>.2.X1E=2,@@BYP01WJYT
MY0M?J1&:E>QZ'_PCVJ?]#GKG_?FR_P#D>C_A'M4_Z'/7/^_-E_\`(]>?_P#"
M0_'/_H3-#_[_`"__`"16QX6UGXK7?B.T@\2^&=*LM(;?]HG@D4NF$8K@"9NK
M;1T/7\:@LZC_`(1[5/\`H<]<_P"_-E_\CT?\(]JG_0YZY_WYLO\`Y'KH*Y?X
MA73V?@Z::.X^SXN[-7D-VUJ`C7,2L&E7YHU*D@L.@)H`L?\`"/:I_P!#GKG_
M`'YLO_D>C_A'M4_Z'/7/^_-E_P#(]<?;^*]4T?PI=WD(@GM3JHM[:[^W?;K>
M&`P*Y?[1,\/FKYH>/+2+M=]H)VA":]XUUV/5=$N+.P^T0BT@OGTVQE$DEQ)-
M:WK>6)0VQXU,"GA6+'#+D@*0#L/^$>U3_H<]<_[\V7_R/1_PCVJ?]#GKG_?F
MR_\`D>N/NO%VJ:K'=6UCK>E2-#=Z>D5QIT?FQL7NX$+,Z7!(5@6S$ZH2&95>
M0(SG0O?%]_!8R7PB@-U::5K,C<R".26TFCB#;`V-K$%L'+*#@-]XL`=!_P`(
M]JG_`$.>N?\`?FR_^1Z/^$>U3_H<]<_[\V7_`,CUEP>+-33Q]%X;NX+39L"&
M0M'"TQ\GS#/&C2F1DW9CV!&`VL?-.TJ,_P`:ZGKUI<>+5TORV@@\.1S,[WSP
MM;,3=_O(E5&!?"CNGW%Y]`#I/^$>U3_H<]<_[\V7_P`CT?\`"/:I_P!#GKG_
M`'YLO_D>LN34[E_%L-LLDD<:>(_LS*LKXD3^RC+A@6(QN(.``,J#C=DG/\%^
M*;Z]E\/:5-?VDN[1[::<#_2+AW,"L6D82AXB20<M$RD;?WFZ0*`#I/\`A'M4
M_P"ASUS_`+\V7_R/1_PCVJ?]#GKG_?FR_P#D>N+O]5O8_B'J-O:WL;W::Q91
M16YUF42K;M';>;LLL&-TVM*Q<X*_.W!0&KE_\1;A-<\26NG2V-S;Z7I5[=(K
M1@.D]OL4J^)BQ7>7'S1QYP-I8?-0!U'_``CVJ?\`0YZY_P!^;+_Y'H_X1[5/
M^ASUS_OS9?\`R/67<^*-2LK2Y@N[C38)[74Q8W&JRPLMK"IMUG$KQF3*@ETA
M`,GWF!SR$J2P\5W]WXEMM/EMH(EEV*UIMD$Z(;<3&ZRX4^2'_<8:-?GZL#\E
M`&A_PCVJ?]#GKG_?FR_^1Z/^$>U3_H<]<_[\V7_R/7+Z7XZUBXNM$BNIM*>:
M^T^PO#910.DT_P!IED5S%F0X6%%5V^5LA6)*`\=1XMO]O@'Q%>6%WB2'3[O9
M-!)S'(B.#AAT964CU!'J*`#_`(1[5/\`H<]<_P"_-E_\CT?\(]JG_0YZY_WY
MLO\`Y'JG'XBU(>,)K&46C:>=3_LV)%B995;[$+KS&?<0P^\FT*.H.[C!D\*^
M)WUB+-]/8I-+Y>V"+<KV\K*S/:2;LAIHPA+8(;J3&@`+`%C_`(1[5/\`H<]<
M_P"_-E_\CT?\(]JG_0YZY_WYLO\`Y'KH**`.?_X1[5/^ASUS_OS9?_(]'_"/
M:I_T.>N?]^;+_P"1ZZ"B@#G_`/A'M4_Z'/7/^_-E_P#(]'_"/:I_T.>N?]^;
M+_Y'KH**`.?_`.$>U3_H<]<_[\V7_P`CT?\`"/:I_P!#GKG_`'YLO_D>N@HH
M`Y__`(1[5/\`H<]<_P"_-E_\CT?\(]JG_0YZY_WYLO\`Y'KH**`.?_X1[5/^
MASUS_OS9?_(]'_"/:I_T.>N?]^;+_P"1ZZ"B@#G_`/A'M4_Z'/7/^_-E_P#(
M]'_"/:I_T.>N?]^;+_Y'KH**`.?_`.$>U3_H<]<_[\V7_P`CT?\`"/:I_P!#
MGKG_`'YLO_D>N@HH`Y__`(1[5/\`H<]<_P"_-E_\CT?V!J\?SQ>,-5>1>56X
MM[1HV/8.$A5BOJ%93CH0>:Z"B@#C]^W6-_D6.C^*IN?)\[,.JHJ_=W[5:3:H
MQNV[XB,[2C8EZ#3-634O-B>VGL[R'!FM+G;YD8;.UOE9E96P<,I(R&&=RL!G
M^.OE\`^()1Q)#I\\\3CK'(B%T=3V9656!'((!'(HL_\`DH>L_P#8*L/_`$;=
MT`=!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`444
M4`%>?^+_`/F?_P#L5(O_`&^KT"O/_%__`#/_`/V*D7_M]0!Z!117!^-?'>O>
M%]9ALM+\#ZEKL#VZRM<VI?:C%F&P[8V&0%!Z_P`0XH`[RBO'_P#A;_C#_HDV
MN?G-_P#&*IZO\6O%]QHM_"?AMKFG"2WD0WN^5?LV5(\S/DC&W[W4=.HII7=A
M-V1[917QW_PFGBK_`*&;6?\`P/E_^*KUC2/BUXOM]%L(1\-M<U$1V\:"]WRM
M]IPH'F9\DYW?>ZGKU-:U*+IJ[9G3JJ;/;**\?_X6_P",/^B3:Y^<W_QBMCPM
M\1_$FO>([33+_P"'FJZ3:S;]][.9-D6$9AG,2CD@#J.M8FIZ1117/^-+[5-/
M\-/-HLD$>I-=VD,!N%S&3)<1QD/CG:0Q!QR`>.<4`=!17#V/C9Y[#Q!>QKYS
MVVJBQM;*8,KAU@A,L6(4D9V5_.)*J_W20=@W`3X@NMA:ZE=:3]FT^72AJ3.\
MS%W'D&8QP_N_+D8`$;6D1_E=MFT`D`[BBN+@\3ZK:6FORZE!:-?6VII:VME%
M-)(I!MX)"B-'`9'.&D<XC)'/\*Y`GCN:>UTFXM]*C9+JWTZXNA)=%3`M[+Y4
M83"'S"K!BV=G`&,Y(`!VE%<_K,M[<^(=-T:UU&?3XY[2YNGGMDC:0F)X5"_O
M$==I\YB?ESE5P0,@UY?%GV:ZLX`D%]"8K-[F]MWV(WVJ4PPM"GS;E+J2<N-J
MD$%SQ0!U%%<'<>/M2MIKB5]#M#I\":A.THU!O-,-G,(I2(_)QO.<JN_![L*V
M(_%$Q\4S:7+81K:"]_L^*Y6X+.TWV47/S1[`%39N&0Q.0/EP<@`Z2BN+A\=7
M-SI<EU;:')+(UO;7L$:2/(/LUQO\MI!'&SJ_[M@R(D@!*_,5W,M=/%&KW>M:
M9'9"TDMIM86VN66[#QM&VG+<8B80Y9,L6#$@DH!D*^$`.\HKF_"/BP^*[>6X
M&F7=I!LCF@DFBD598I`2O+HH+@#+!-Z#<N';/&.?&U]IUFTLUI'>I&^KW-S(
MTWE-';6EUY>$4(0[[&4`$J#MY;G-`':)8V\>HS7ZQXNIHHX9'W'YD0N5&.G!
MD?\`/V%20P0VR%((HXD+LY5%"@LS%F/'<L22>Y)-<O>^(KY_&&G:;:11QV":
MF;*\E:3YY'^Q27`54VD;,&,[]P.5(VXY-?2?'YU/2VU0Z-=P6(>!UDD21#)#
M-D(4#QKYDH;;NCC+`AQL>1B%(!VE%4]*O6U+2[>^:*.,7">:BI,LHV'E#N7Y
M22N"=I(R2`S##&Y0`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!
M1110!S_CO_DGGB7_`+!5U_Z*:BS_`.2AZS_V"K#_`-&W='CO_DGGB7_L%77_
M`**:BS_Y*'K/_8*L/_1MW0!T%%%%`!1110`4444`%%%%`!1110`4444`%%%%
M`!1110`4444`%%9^F:[H^M^;_9.JV-_Y./,^R7"2[,YQG:3C.#U]#4>F^)=!
MUFX:WTO6]-OIU0NT=K=)*P7(&2%).,D#/N*`-2BL_3-=T?6_-_LG5;&_\G'F
M?9+A)=F<XSM)QG!Z^AK0H`*\_P#%_P#S/_\`V*D7_M]7H%>?^+_^9_\`^Q4B
M_P#;Z@#T"BBN#\:_%G0?`>LPZ7JEIJ4T\MNMPK6L:,H4LRX.YU.<H>WI0!WE
M,FABN8)()XDEAE4I)'(H974C!!!X(([5Y%_PT=X/_P"@;KG_`'XA_P#CM-D_
M:-\*F-A;Z5K+SD'RUDCB16;L"PD)`SWP<>AH0,]&_P"$+\*_]"SHW_@!%_\`
M$ULPPQ6T$<$$210Q*$CCC4*J*!@``<``=J^;_P#A>/BC_A(_M_[G^S/-S_9N
MQ=OE]-OF;=V[ONZ9[8^6NU?]HSP@CLIT[7,J<']Q%_\`':UJ4YPMS&<)QE\)
MZ]17C_\`PT=X/_Z!NN?]^(?_`([6QX6^-?AOQ=XCM-#L++58[JZW['GBC"#:
MC.<D2$]%/:LC0](J.:"&Y0)/%'*@=7"NH8!E8,IY[A@"#V(!J2LOQ'K</AWP
M_>:K-Y9$"#8LD@C5Y&(5%+GA`691N/"YR>`:`)+[0M'U.*2*_P!*L;N.243N
MD]ND@:0*$#D$<L%`7/7`QTHL]"T?3[PWEEI5C;71B6`S0VZ(YC4`*FX#.T!5
M`'0;1Z5Q\WQ&\K1;#4(/L-\B:K)8ZE+;2[HUACADE>>,J6'^K19=@+D`F/)<
M9!J7CR_6X\0I96\"6^GRV,%K</#)<&4RW3V\S&)"K'8Z.H0<DID$AA0!U'_"
M)^&_[._L[_A']*^P^;Y_V;[%'Y?F8V[]N,;L<9ZXHU'POH^IP:=%+8P)_9LL
M,MD\<2!K?RW1PL9Q\BGRU4@8RO%9<?B#4+?PU-JT\L=T;:XQ)$=*N+!YD(`$
M<4<S%C*68;3R'.$^4G<+FH:S>6/@&_UT/8W%U#I\U[$8"7@;",Z`-D%UQM&X
M;=W4!<X`!J:EI.FZS;K;ZII]I?0*X=8[J%95#8(R`P(S@D9]S4DUA9W%Y;7D
MUI!)=6N[[/,\8+Q;AAMK'E<C@XZUR</CB:\UOPYIUO8QH]Z\B:H&D+&RD5)\
M1*<`.3+;3+O&1B(\?.IJQ_PG-E<7>I6=NDB3Z=>VEK,Q,4ZMYUQY(QY<N5.5
M;(?:RY!*G[I`.@?2=-D1T?3[1D=)493"I#+*VZ4'CD.PRP_B/)S5>R\/:;8Z
MWJ.LQ6T9U"_<&6X9%WA0D:;%;&=G[M6P2>23],^?QKIMNFIR/!=^58V]U<+(
M$7%RMLVV<1C=D%'(7YPN2<KN&34?BGQ3<>';#1KXV.(;F["7T<S#?;P""661
M\J2"R",L0-V[:0,D@T`:D_AK0;JWEM[C1--F@EN#=21R6J,KS$8,A!&"Y'&[
MK5B;2=-N7#SZ?:2N+A;H,\*L1,JA5DY'WPH`#=0`!7/V7C%KG6?$R/;1KIFD
M6Z2PS"15:<AITF)+E50*\#(-Q`^0MNVL",^^^)EDNCZ3J%I;2+%?W&'FN'B\
MJWACNXK>9W=9,8_>?*4+#D$\9H`["STG3=/N+JXLM/M+:>[??<R0PJC3-DG+
MD#+'+$Y/J?6A])TV1'1]/M&1TE1E,*D,LK;I0>.0[#+#^(\G-<__`,+$T$7N
MDVKR2(^J)');[V128Y7*0OM+;V$A'`56*@@R!*CA\6:C+\/]>U^33OLMWI_]
MH>5#/M*MY#2!<[';^X%;D996Q\I4D`Z232=-FU2'5)=/M'U"%-D5VT*F5%YX
M5\9`^9N`>Y]:CM]"T>TO)+RVTJQANI9?/DFCMT5WDPPWE@,EL.XSU^=O4U3C
M\46S^(IM':TNXREQ]D6Z8)Y4D_D"?RUPQ?/EDMDJ%^4C.<`X\7Q!MLZI?W5O
M);Z/;65G=6LTNQ6N1<22HC@[\*C;(\>9L*Y)?:.0`=A#!#;(4@BCB0NSE44*
M"S,68\=RQ))[DDU)7-VWC73;VPMKRV@NYH[M"+41(K_:)E=D>%&5BN]2I))(
M0KEPQ1'9>DH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`
MY_QW_P`D\\2_]@JZ_P#1346?_)0]9_[!5A_Z-NZ/'?\`R3SQ+_V"KK_T4U%G
M_P`E#UG_`+!5A_Z-NZ`.@HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`**
M**`"L_7?[._X1[4_[7_Y!GV27[9][_4[#O\`N_-]W/3GTK0HH`X/Q&+F'6;M
MM2U:.V1M"U-K6]M+=XVL8@UON9AO8RN,H05V8V-P=PVT_$L-UHOA[7-#CU*>
M_L1X:O962:&!/LFQ%2%5$,:!5<&7`8'/E?+C:V>XTS0M'T3S?[)TJQL/.QYG
MV2W2+?C.,[0,XR>OJ:-,T+1]$\W^R=*L;#SL>9]DMTBWXSC.T#.,GKZF@#/O
M/^2AZ-_V"K__`-&VE=!6?IFA:/HGF_V3I5C8>=CS/LEND6_&<9V@9QD]?4UH
M4`<__P`)EI?_`#ZZY_X(KW_XS7)Z[J<&JV_Q`GMX[M$7PO&A%U:2V[9Q>GA9
M%4D<]<8Z^AKTRO/_`!?_`,S_`/\`8J1?^WU`'H%%%9>I>)=!T:X6WU36]-L9
MV0.L=U=)$Q7)&0&(.,@C/L:`-2F30Q7,$D$\22PRJ4DCD4,KJ1@@@\$$=JPO
M^$[\'_\`0UZ'_P"#&'_XJC_A._!__0UZ'_X,8?\`XJ@#`_X4QX(^W_:/[-F\
MKRMGV;[5)Y>[.=^<[MW;[V,=L\UW]?/_`/PO_6/^$A_LC^SM#_Y"OD?;?M;_
M`&;[/OV_?Q^/FXQCGRZ]@_X3OP?_`-#7H?\`X,8?_BJIR<MV)12V1T%%<_\`
M\)WX/_Z&O0__``8P_P#Q56+'Q9X;U.\CL[#Q!I5W=29V0P7L<CM@$G"@Y.`"
M?PJ1FQ5>ZL;>^\@7,?F+#*LR*6.W>OW21T;!^89SA@K#E018JO?/>1V<C6$$
M$]T,;(YYC$C<C.6"L1QG^$^G'6@"G=>'-(O;IKBZL8Y7=][JY)1V\IX263.U
MB8Y&0D@Y&T'.U<5W\(:'):RVYM)%25(5=DN)4=O*E:9&WA@V_P`QV<OG<Q8D
MDUEVOC:==`T#5]2TKR8]9E41QV3RW;QQM;O,K%5B#%ODVE5!`SG=@&MQ_$>D
M)<6D/VZ-S=HCQ/&"\>USB,LZ@JH<\(6(WGA<GB@`L_#^GV3P.GVN9X'=XFN[
MV:Y*,RA21YCM@[1@'L&<#&]LR2:)ITNG:AI[V_\`HFH>9]IA#L%;S!A\8/R[
MN2=N,LS-]XDG/\3^)?\`A'_LJ[;%//WG[1J5[]DMEVX^0R['_>-NRJXY".<C
M;SGZOX\31[R_M;C2YTFMM$_M5!+(JAW`E)MV89`DQ$Q&TMD*YZ)R`;D?AS2(
MK\7T=C&ER+@W(D4D8D*.I.,XQB64[>FZ1VQN8DY<7@32;*"*WT[S[>$2VC2>
M;<2W#&.V<R0QH9'/EJ'QP!C:6&`2&78T[4_M]]JUMY/E_P!GW:VV[=GS,PQ2
M[L8X_P!;C'/W<]\#G[_QU_9_CFW\.RZ=Y4,V%6[N9_(\YB8QB$.H27F9<@/N
M^23Y<A`X!L2>%M&F_M`26>Y;^*2&=?-?;LD_U@09Q'O/S-LV[F`8Y(!JYJ&E
M6.JB%;^VCN$A=G1).5RT;QME>C`I(XP<CFJ>GZ]_:'B'4]*%E/"MC%#(L\PV
M^=O>5#M4\A082`QQNZ@;=K-AW7Q`ALO%EQHTZ::B0WMO9!3J(%W*TRQ%72W*
M<H&F`)W]%<X.,$`V'\(:'):RVYM)%25(5=DN)4=O*E:9&WA@V_S'9R^=S%B2
M31'X0T.**TC%I(PM'9X6DN)78,TZ7#$LS$L3+&C98GICH2#GZCXV6QM;J=+2
M.X$%EJ=W\DS`$V<JQE/F0'+%N3@A2IQO&&K4E\1V5JU^+E_^/6[6U6.".2:6
M1S$DNT1JFYFVN6PF["C<2,,%`!/"^DPRVLD$,]NUK@1BWNY8AM#%EC8*P#QJ
M2VU&RJ@D*`"14B^'M,72]1TSR)#9ZB\SW,33R,&,V?,VY;*`EF.%P`22,$U&
MWBG1AJ-O9"\WR7$44T<D<3O"4E++$3*`8QO*D+EAN.`,DC.Q0!G_`-B:=]N^
MV_9_](^U_;=^]O\`7>3Y&[&<?ZOY<=.^,\U3@\(:';)>)%:2!+M(T=3<2D1K
M&S-&(LM^Y",Q*B/;M.",8&,,?$>W@\4:EI>HV7V"ULHGF\ZXE*32(@E+2+"R
M@R1X@<[HV?AH^.7V:GA'Q)>^(K>5[_3(],G1(V-HTDOGIN!^^DD,9`R"`R[E
M8JP!^4T`7/\`A%]):#RI89Y\1>2LEQ=RS2(N_P`S*R.Q96WA6W`ALI'S\B8V
M*XO2OB!#J'B4:1*FFH\E[<V444&HB6Z5H3)\\L.Q=B%86.0S<L@QSD6$\;+)
M%#(EI'*DMOI<ZO',VUA>SM%QN0'"[=W(!;."%H`ZRBL,^*M,@M5GO+F.(-<7
M$(\M9)`JPRM&[O\`("B*0-[D!%)'S$$,;$?B'3)=;FT=9Y!>1/Y;!H)%0OL$
MFQ9"NQGV,&V@DXR<8!P`:E%<_KVLZQIFIZ9:V&EV-W'?RFW22>_>`K((Y)#E
M1"_R[8CSG.3C&.:DLO$]I<^(M1T65)(+BUN!!$S(^R?,$<V%?:$WX=OD#%L(
M6QCH`;E%<?>?$/38=,:_M(I[N&2*U>U5+:X#R&XDDCC++Y64C)CX8;B<\*24
M#V(/&<5UX+UCQ'%8SA=-^V?N)D>$R>07`Y=`1N"C/!VDE3RI%`'445EQ^(=,
MEUN;1UGD%Y$_EL&@D5"^P2;%D*[&?8P;:"3C)Q@'&?:^-=,NKW4D0R"SLK>W
MF%T8I`)S,\B*(E*YD!,:[63<'+@+D]0#I**Q_P#A*=&\CSC>84Q>:JM$X=AO
M\LJJD9:0/A#&`75F52`64'8H`****`"BBB@`HHHH`****`.?\=_\D\\2_P#8
M*NO_`$4U9]QK-KI'Q#U3[3%?2>;I5CM^R6$]SC$MWG/E(VWKWQGG'0UH>._^
M2>>)?^P5=?\`HIJ+/_DH>L_]@JP_]&W=`!_PF6E_\^NN?^"*]_\`C-'_``F6
ME_\`/KKG_@BO?_C-=!10!S__``F6E_\`/KKG_@BO?_C-'_"9:7_SZZY_X(KW
M_P",UT%%`'/_`/"9:7_SZZY_X(KW_P",T?\`"9:7_P`^NN?^"*]_^,UT%%`'
M/_\`"9:7_P`^NN?^"*]_^,T?\)EI?_/KKG_@BO?_`(S7044`4]-U.#5;=I[>
M.[1%<H1=6DMNV<`\+(JDCGKC'7T-7***`"BBB@`HHHH`****`"BBB@`HHHH`
M****`"O/_$LMN_B'Q/IMXT]M:ZCX?MK9[]8#+';%GO%W2`'*K@LVXX0!#N9<
MC/H%<_9_\E#UG_L%6'_HV[H`N:;K2WEPUA=026>IQH6DMW#;6`(!:*0@"5.5
MY7D;U#!&.VC4O#6@ZS<+<:IHFFWTZH$62ZM4E8+DG`+`G&23CW-8^I:%=V-N
ML>GQ27.G0N)+:TMMB75C)@@-;R.P38,X\IQC:[KDH!$<O_BI_P#J>?\`RB4`
M=!_P@G@__H5-#_\`!=#_`/$T?\()X/\`^A4T/_P70_\`Q-<__P`5/_U//_E$
MH_XJ?_J>?_*)0!P__#/MY_PE']K?VQI7D_VA]H^R_P!FGR/+QOV^5O\`N[_D
M\O=C9SNS\M>L?\()X/\`^A4T/_P70_\`Q-<__P`5/_U//_E$H_XJ?_J>?_*)
M0!T'_"">#_\`H5-#_P#!=#_\35BQ\)^&],O([RP\/Z5:74>=DT%E'&ZY!!PP
M&1D$C\:Y?_BI_P#J>?\`RB4?\5/_`-3S_P"42@#T"BO/_P#BI_\`J>?_`"B4
M?\5/_P!3S_Y1*`.HM?#=G:6&@6<<DYCT3;]F+,,OM@>`;^.?E<GC'..W%98^
M'NC)<:)<(9//TBW@MHI)(8)6DCA.4!,D;%""6.Z/83NZ\+C+_P"*G_ZGG_RB
M4?\`%3_]3S_Y1*`.PU/3)=0\IK?5+[3IH\CS+0H=RG&05D5T/('.W<,$`@%@
M<>_\`:%J.CWFDRQSI8W.GVVG^4DI_=1V[.T14G)W`OG+$@[1D'G./_Q4_P#U
M//\`Y1*/^*G_`.IY_P#*)0!TB^'9(=;NM2M=;U*W2[N$N)[1%@,3LJ)'C+1%
MP"L:@X8=\8JOJ/A"'4_%5GK,^H79@MT.ZQ+`QO)OA=6!/S(`T$;%5(!*@\9<
M/A_\5/\`]3S_`.42C_BI_P#J>?\`RB4`=I'IL,6LW.J*TGGW%O#;NI(VA8VD
M92.,YS*V>>PZ=\N3PG!+K%S>OJ-\;>YNXKV6P_=>2TT2QA&SL\P8,,;8#X)7
MD$$@\_\`\5/_`-3S_P"42C_BI_\`J>?_`"B4`;EQX*TVYM;BW>>["3V^H6[$
M.N0MY*)92/EZAAA?0=<]:L7/A>VGEN;B.[N[:[FO1?)<1%"T$H@6W)0,I4@Q
MJ00P;[Q(P<8YO_BI_P#J>?\`RB4?\5/_`-3S_P"42@#H/^$.TM%2.'SX88XK
M"&.-'R$2SE,L0!8$GDX.2<@=CS6Q]@L_[1_M'[)!]N\KR/M/ECS/+SNV;NNW
M/..F:X?_`(J?_J>?_*)1_P`5/_U//_E$H`V#X)MY?%%UK-QJ-]-'+$J0VQE*
M^0^)P761<2=+B4*-WR[SC@1A-32M%&FW%Q=S7]WJ%Y<(D;W-T(PWEH6*(!&B
M+@%W.<9^8Y)``')_\5/_`-3S_P"42C_BI_\`J>?_`"B4`=!8>$X+'45N6U&^
MN(8KN>]M[2;RA'!-,9"[*50.>)9``S,,-TR`1';^"M-MK6WMTGNRD%OI]NI+
MKDK9RF6(GY>I8X;U'3'6L/\`XJ?_`*GG_P`HE'_%3_\`4\_^42@#<N?!6FW5
MK]G:>[5&>[$I5US+#=2F6>%LKPC-@97#@*,,.2;G_"-V?]J_VCYD_G?VA_:&
MW<-OF?9?LV.GW=G..N[OCBN7_P"*G_ZGG_RB4?\`%3_]3S_Y1*`.TO=-AOKK
M3KB5I`]A<&XB"D8+&*2+#<=-LC'C'('T-/\`X1NS_M7^T?,G\[^T/[0V[AM\
MS[+]FQT^[LYQUW=\<5R__%3_`/4\_P#E$H_XJ?\`ZGG_`,HE`&Y;^"M-MK6W
MMTGNRD%OI]NI+KDK9RF6(GY>I8X;U'3'6K`\+VW_``C^KZ*]W=R6FIO=,^XH
M&A%P69U0A1QN=B-VX\]2,"N;_P"*G_ZGG_RB4?\`%3_]3S_Y1*`.H_X1NS_M
M7^T?,G\[^T/[0V[AM\S[+]FQT^[LYQUW=\<5EK\/M*^P7UA-<7=Q:7-O;VL<
M,WELMM%;NSPH@V?,%9_^6F_=@!MPR#E_\5/_`-3S_P"42C_BI_\`J>?_`"B4
M`;EMX,LK6PMK1+R[46B'[(T2Q0?9Y"[,942*-4WG=M.5(*Y4C#R;^DKS_P#X
MJ?\`ZGG_`,HE'_%3_P#4\_\`E$H`]`HKS_\`XJ?_`*GG_P`HE'_%3_\`4\_^
M42@#T"BO/_\`BI_^IY_\HE'_`!4__4\_^42@#T"BO/\`_BI_^IY_\HE'_%3_
M`/4\_P#E$H`]`HKS_P#XJ?\`ZGG_`,HE&WQ&_P`L\7CF6$\/'YFD1[U[C=&R
MNN1W5E8=00>:`-CQ7>)J6DZMH,`PLMI)!?7[NJP:>CQG+2,2,L$)8(N?X=Q1
M7#58T8/?>(=2UQ()X;.XM+:UA%S"T,CF)YF9O+8!E7]\`-P!)5CC;M9H]*T%
MF2W^U6EI8:;;OYUGHUK"J)"^[<&E*DJ[@_,`H"JQ)S(520=)0`4444`%%%%`
M!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!7/V?_)0]9_[
M!5A_Z-NZZ"N?L_\`DH>L_P#8*L/_`$;=T`=!1110`4444`%%%%`!1110`444
M4`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110
M`4444`%%%%`!1110`4444`%%%%`!167XD&KMX:U(:#)&FK?9W-H70,/,QP,$
M@9/0$\`D$@@$'QO_`(7?>?\`"O\`^SMD_P#PG_F_8/LWV$Y\S=M\S;TW8XV]
M?,_@VT`>\45E^&QJZ^&M-&O21OJWV=#=E$"CS,<C`)&1T)'!()``(`U*`"BB
MB@`HHHH`****`"BBL_7-8M_#^AWNKW:3R6]G$TLBP1&1R!Z`?S.`.I(`)`!H
M45R__"?Z%_PK_P#X33S)_P"R?*\S'E'S-V[9LV_WM_R]=N><XYK8T/6+?Q!H
M=EJ]HD\=O>1++&L\1C<`^H/\QD'J"002`:%%%%`!1110`4444`%%%9^N_P!G
M?\(]J?\`:_\`R#/LDOVS[W^IV'?]WYONYZ<^E`!IFNZ/K?F_V3JMC?\`DX\S
M[)<)+LSG&=I.,X/7T-&F:[H^M^;_`&3JMC?^3CS/LEPDNS.<9VDXS@]?0UP_
MCE+R/^V?M\\$^_PUJYM/(A,7E1_N-RR99O,8YCPPV`;6^4[AML?$?_E\_P"Q
M4UG_`-MJ`.PTS7='UOS?[)U6QO\`R<>9]DN$EV9SC.TG&<'KZ&M"N?O/^2AZ
M-_V"K_\`]&VE=!0`5S]G_P`E#UG_`+!5A_Z-NZ/^$AU3_H3-<_[_`%E_\D5A
MVNNZB/'6K2CPGK)=M,LE,0EL]R@2W6&/[_&#D@8)/RG('&0#O**Y_P#X2'5/
M^A,US_O]9?\`R11_PD.J?]"9KG_?ZR_^2*`.@HKG_P#A(=4_Z$S7/^_UE_\`
M)%'_``D.J?\`0F:Y_P!_K+_Y(H`Z"BN?_P"$AU3_`*$S7/\`O]9?_)%'_"0Z
MI_T)FN?]_K+_`.2*`.@HKG_^$AU3_H3-<_[_`%E_\D4?\)#JG_0F:Y_W^LO_
M`)(H`Z"BN?\`^$AU3_H3-<_[_67_`,D4?\)#JG_0F:Y_W^LO_DB@#H**Y_\`
MX2'5/^A,US_O]9?_`"11_P`)#JG_`$)FN?\`?ZR_^2*`.@HKG_\`A(=4_P"A
M,US_`+_67_R11_PD.J?]"9KG_?ZR_P#DB@#H**Y__A(=4_Z$S7/^_P!9?_)%
M'_"0ZI_T)FN?]_K+_P"2*`.@HKG_`/A(=4_Z$S7/^_UE_P#)%'_"0ZI_T)FN
M?]_K+_Y(H`Z"BN?_`.$AU3_H3-<_[_67_P`D4?\`"0ZI_P!"9KG_`'^LO_DB
M@#H**Y__`(2'5/\`H3-<_P"_UE_\D4?\)#JG_0F:Y_W^LO\`Y(H`Z"BN?_X2
M'5/^A,US_O\`67_R11_PD.J?]"9KG_?ZR_\`DB@#H**Y_P#X2'5/^A,US_O]
M9?\`R11_PD.J?]"9KG_?ZR_^2*`.@HKG_P#A(=4_Z$S7/^_UE_\`)%'_``D.
MJ?\`0F:Y_P!_K+_Y(H`Z"BN?_P"$AU3_`*$S7/\`O]9?_)%'_"0ZI_T)FN?]
M_K+_`.2*`.@HKG_^$AU3_H3-<_[_`%E_\D4?\)#JG_0F:Y_W^LO_`)(H`Z"B
MN?\`^$AU3_H3-<_[_67_`,D4?\)#JG_0F:Y_W^LO_DB@#H**Y_\`X2'5/^A,
MUS_O]9?_`"11_P`)#JG_`$)FN?\`?ZR_^2*`.@HKG_\`A(=4_P"A,US_`+_6
M7_R11_PD.J?]"9KG_?ZR_P#DB@#H**Y__A(=4_Z$S7/^_P!9?_)%8_B'XEVW
MA2S%UKGA_5;*-ON!Y[(O)@@':@N"S8W#.`<9R>*`.XK/UG7-+\/:<]_J]_!9
M6JY&^9\;B`3M4=6;`.%&2<<"O,[_`,=?$3Q/9?:/`W@V2#3Y$(CO=4:-)7W(
MI5XXV<``;B0?G5N/0BH]*\$A=1.K^*?#'B/Q1JYR/.U"6Q\F,$N=J0_:2H7Y
M_NG<`1E0M`'">.]/T7XA:WJNO^%K/6;L!!)>ZO.1#I]LD21AB%,9D<A,DJ"&
MXRJL.*\[L/"NH_V/;>)=1TR^_P"$9^UI#<7=N%W[=P#%`?Q4,1MW?+G/%?6]
M]J=QJ=G)9W_@+5;NUDQOAG:PD1L$$94W&#@@'\*S_LUM_P`(O_PC7_"NM5_L
M;RO)^R>;9;=N<YS]ISNS\V[.[=\V<\T`<?8?L_>!]3TZVO[/5M<DM;J))H7\
MV(;D8`J<&+(R".M6/^%*:Q8?Z-H'Q'US3=,3_4VF7;R\\MRDB+RQ8\*.O?J>
MXL=3N-,LX[.P\!:K:6L>=D,#6$:+DDG"BXP,DD_C5C_A(=4_Z$S7/^_UE_\`
M)%`'G_\`PJ#QA_T5G7/RF_\`C]'_``J#QA_T5G7/RF_^/UZ!_P`)#JG_`$)F
MN?\`?ZR_^2*/^$AU3_H3-<_[_67_`,D4`>?_`/"H/&'_`$5G7/RF_P#C]'_"
M/?'/_H<]#_[\K_\`(]>@?\)#JG_0F:Y_W^LO_DBC_A(=4_Z$S7/^_P!9?_)%
M`'G_`/PCWQS_`.AST/\`[\K_`/(]'_"/?'/_`*'/0_\`ORO_`,CUZ!_PD.J?
M]"9KG_?ZR_\`DBC_`(2'5/\`H3-<_P"_UE_\D4`>?_9_CGH?^D_;=#\0[OW?
MV3"ILSSOSMBZ8Q]X_>Z=Q'/K7QMNK>6WN/`_A^:"5"DD<DB,KJ1@@@W&"".,
M5Z)_PD.J?]"9KG_?ZR_^2*S]<U3Q!J6AWMC8>&]<L+JXB:)+L/9N8=W!90+I
M3N`S@Y&#@\XP0#Y0\O6/^$A_X1G[+_S%=O\`8OVE_LWVC?Y>S[__``#?NSC^
M+O7TGX/U+XH?VW86&N^%-&TW041D=[1E!A54.P*HF;`W!1@+T]*Y_3?@O;7W
MPF;1[C28]/\`$P<RB^NE1F,O!P&CD?\`=;3Y>/8OLSC/KFAV5YINAV5C?W_V
M^ZMXEB>[*%#-MX#,"S'<1C)R<G)XS@`&A1110`4444`%%%%`!1110!GZ9H6C
MZ)YO]DZ58V'G8\S[);I%OQG&=H&<9/7U-&F:%H^B>;_9.E6-AYV/,^R6Z1;\
M9QG:!G&3U]36A10!GZ9H6CZ)YO\`9.E6-AYV/,^R6Z1;\9QG:!G&3U]36A11
M0`5S]G_R4/6?^P58?^C;NN@KG[/_`)*'K/\`V"K#_P!&W=`'04444`%%%%`!
M1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%
M%%`!1110`4444`%%%%`!117!Z[\6?#FFNEGH[R>(M6F0M!9:0//+?*QY=<@#
MY><98`YVD4`=Y7)^)_B-X<\*W"65U<R7>J2.J1Z;8)YUP[,5P-H.%)#@@,1D
M=,]*Y\:'\2/%Q>76M=C\*Z>[J!IVE@27&P2$G=/GY'*A1N0D$'E1R#U'A3P'
MX<\&6X31M.CCG*;9+N3YYY.%SESR`2H.T87/(`H`Y.2Z^(OCS?'86_\`PAFB
M/N7[3=IOOY5_>+D1\>7_``<':PX*NPK<T#X5^%/#]ZNHK92:AJF\R-?ZC(9Y
M6<OOW\_*'!QA@H/'7DY[2B@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH
M`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"N?L_^2AZS_P!@JP_]&W==
M!7/V?_)0]9_[!5A_Z-NZ`.@HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`
M****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`KE_B%+XEM_!=]<>$V
MQJT.V156!97=`1O"!CC=C)Z-G!`&2".HKQOXKZ!JNFC5O%8^(^I:1:%%%MIL
M32*K2B,!8T*R#EF4DD+QDD\`F@"OK7QWL3\,H;[3+F-/%%R@@-OY.1;R@+YD
MA!)&S!)0DMDD`@[7`U-%^*NHWNG6&E:3H\_BOQ#%$@U*:TVVUI"^'R#,=R;L
MIC(^1^2IZ+7@EYX)\1KX?M?&&LV]V-+O[C,UUCS9PK$?OF4D$AR3M)(W$<D;
ME+?0_P`+?`5SX72#48/&-WJ^BW-EFTLV@>*)!(RR"15+D`XSQM!^<^]`$<?@
M3Q3XTV7'Q!UORK$[7_L'228X?^6;8E?)+\J<C+8/*N.E=YHGAO1?#EOY&C:7
M:6*%$1S#$%:0*,+O;JY&3RQ)Y/K6I10`4444`%%%%`!1110`4444`%%%%`!1
M110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%1SSPVMO+<7$L<,$2
M%Y))&"JB@9))/``'.:`)**R]-\0:?JMPUO!]KBG"%Q'=V4ULSJ"`2HE12P!*
M@E<XW+G&1FOIOB[1]5MVNK>2[2T6W-T;JZL9[>#RL`[Q)(BH1@YZ],GH#0!N
M45EZ;X@T_5;AK>#[7%.$+B.[LIK9G4$`E1*BE@"5!*YQN7.,C.I0`5S]G_R4
M/6?^P58?^C;NN@KG[/\`Y*'K/_8*L/\`T;=T`=!1110`4444`%%%%`!1110`
M4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%1SSP
MVMO+<7$L<,$2%Y))&"JB@9))/``'.:`*^JZK8Z'I=QJ>IW,=M9VZ;Y97Z*/Y
MDDX``Y)(`R37B_A70+GXT:I+XO\`&"R+H<+O;Z;I*,Z)CC<V\8)&>"R\LRD'
M:J!26<=S\<_&-U->321>"-%N-L%O$'7[<_.&+$#DKR>A17"@`L7KW"""&UMX
MK>WBCA@B0)''&H544#```X``XQ0!3OM#TO4=#DT2ZL()-,>(0FU";4"#&T*!
MC;C`QC&,`C&*L6-A9Z99QV=A:06EK'G9#!&(T7)).%'`R23^-6**`"BBB@`H
MHHH`****`"BBB@`HIDTT5M!)//*D4,2EY))&"JB@9))/``'>O"]$^,TES\2Y
M9KMYHO#][LM88)70"VP0%E8]!R6+<\!NK;%JX4Y3O;H1*:C:Y[O1114%A111
M0`4444`%%%%`!1110`4444`%%%%`!1110`4444`%5[_['_9US_:/D?8?*?[1
M]HQY?EX.[?GC;C.<\8JQ10!YW)JV@^-K?5;V/4([N-='N[:#3]-F26]DMY0G
MF2&/)*NQ2,(A&5S\_P`S;$IZB]EJ&G>(K#PGJD^L6I\/W@NT349+_$[@"W52
M[N0Q"W'RIUXW#[E>H44`<G;:MINN^.M.N-(U"TU""VTR\2>2TF658F>6V*!B
MI(4L$<@'KL;'0UUE%%`'/_;/&'_0"T/_`,',W_R+6':W7BK_`(3K5F71M&,Y
MTRR#H=6E"A?-NMI#?9LDD[LC`Q@<G/'>5S]G_P`E#UG_`+!5A_Z-NZ`#[9XP
M_P"@%H?_`(.9O_D6C[9XP_Z`6A_^#F;_`.1:Z"B@#G_MGC#_`*`6A_\`@YF_
M^1:/MGC#_H!:'_X.9O\`Y%KH**`.?^V>,/\`H!:'_P"#F;_Y%H^V>,/^@%H?
M_@YF_P#D6N@HH`Y_[9XP_P"@%H?_`(.9O_D6C[9XP_Z`6A_^#F;_`.1:Z"B@
M#G_MGC#_`*`6A_\`@YF_^1:/MGC#_H!:'_X.9O\`Y%KH**`.?^V>,/\`H!:'
M_P"#F;_Y%H^V>,/^@%H?_@YF_P#D6N@HH`Y_[9XP_P"@%H?_`(.9O_D6C[9X
MP_Z`6A_^#F;_`.1:Z"B@#G_MGC#_`*`6A_\`@YF_^1:/MGC#_H!:'_X.9O\`
MY%KH**`.?^V>,/\`H!:'_P"#F;_Y%H^V>,/^@%H?_@YF_P#D6N@HH`Y_[9XP
M_P"@%H?_`(.9O_D6C[9XP_Z`6A_^#F;_`.1:Z"B@#G_MGC#_`*`6A_\`@YF_
M^1:/MGC#_H!:'_X.9O\`Y%KH**`.?^V>,/\`H!:'_P"#F;_Y%H^V>,/^@%H?
M_@YF_P#D6N@HH`Y_[9XP_P"@%H?_`(.9O_D6C[9XP_Z`6A_^#F;_`.1:Z"B@
M#G_MGC#_`*`6A_\`@YF_^1:/MGC#_H!:'_X.9O\`Y%KH**`.?^V>,/\`H!:'
M_P"#F;_Y%KQ_6]7\2?&3Q#/X6TDV,&B:;MEOY+6\D:&[8./E$_D_7:"FTE&;
MYP%QN?$;Q+?>,?$MM\.?"5W(3*Y76[J"/<((L@,N[<!@`G>.,G:F<EEKTSPQ
MX8TOPCH<.D:1!Y5O'RS-R\KGJ[GNQP/R``````,O2K;Q#H>EV^F:9X9\/VUG
M;ILBB369L*/_``%R23DDGDDDG)-7/MGC#_H!:'_X.9O_`)%KH*X[XD^,T\&>
M%Y)XCG4;K=!9J&7*OM/[P@YRJ\'H>2H.,YIQBY.R$VDKLRK+XCZK?^-+KPK#
MHVC?;[923(=:;RI&`4LB$6^2XR<C'&QO2NF^V>,/^@%H?_@YF_\`D6OD:TO+
MK3[E+FRNI[6X3.R:"0QNN1@X8$$<$C\:]E\'_!CP!XET>QUJVO\`5IXVVF>U
M:ZC(208+Q.1&K>V1M)!!'4&MJU'DLT94JO/=,[B?Q_-:W$MO<7/@J&>)RDD<
MGB@JR,#@@@V^00>,5S\_QRTZVN)8'E\/EXW*,8]0O'4D''#+9$,/<$@]JZ"#
MX,?#ZVN(IT\.QEXW#J)+F9U)!SRK.0P]B"#WKH(/!?A6UN(KBW\-:-#/$X>.
M2.PB5D8'(((7((/.:P-CR>;]HH_VH+"P\,1ZD[NJ1/:7\A$S-C`57@5R<G&-
MO7IGBMB#XL^,KFXB@3X3ZR'D<(IDED102<<LT("CW)`'>O7**`/,[SQ'\6;N
MXM8M-\":;IR,^V:6_P!22X4`D8;]VRD`<DX#$]AQR:E9?&>^MUBM]3\(Z>X<
M,9;59F8C!^4^8CC'.>F>!SUSZ910!XO=>#/C-J?D1:CXSL3:I*LCK8W#6DC`
M<$"2.#(R">H(S@X.*DF^%OB&]00:G?ZEJ-F75I;.[\6S/%,%8-M8?8P<9`Z$
M'T(/->R44`?-WCOX=C38K6UT;P$8;QG\UKG3+R\OU5`"-K;XE4$G!X)(V\XR
M,\9_PA?BK_H6=9_\`)?_`(FOL2BMZ=?D5DC&='G=VSYM\%^&?B-Y?V;1KO5]
M#N;5S+&-3EF2S:-@0RK"860MN;=DMWR%R"P]"M[OXQ:#]CCO=+T/Q-#\_G/:
M7'V>;_9RS[$')'W4/"G."<UZA164GS.YK%65CQ?_`(7O=6FH_8M<\*?V#(8O
M-4ZG=3IO&<#"I;,W//.,?*><UV&C>-[_`,0[!I">%+V1HA-Y,/B"0R*AQRR?
M9MR]0#D#!.#S7:3P0W5O+;W$4<T$J%)(Y%#*ZD8((/!!'&*X?7_@YX(\0(V[
M1X]/GV!%FT[$!4!L_<`V$GD$E2<'V&)&;GVSQA_T`M#_`/!S-_\`(M'VSQA_
MT`M#_P#!S-_\BUP[?#'QCH'F/X0^(5\D:1)#:V.JKYT:(-H(W'<JXP<;8^!A
M>F348\9?%3PS;NNO>!X];1'6"*YTN;#2D`YD9%#G#8!SL0#I@9``!WGVSQA_
MT`M#_P#!S-_\BT?;/&'_`$`M#_\`!S-_\BUR=G\=O!<MQ=6^HMJ6CSV[[&CO
M[-MQ;)##$>\@J1@AL=>_..\TS7='UOS?[)U6QO\`R<>9]DN$EV9SC.TG&<'K
MZ&@#/^V>,/\`H!:'_P"#F;_Y%H^V>,/^@%H?_@YF_P#D6N@HH`IZ;)J4MNS:
MI:6EM/O(5+6Y:=2N!R6:-"#G/&.PYYXN444`%%%%`!1110`4444`%%%%`!11
M10`4444`%<_9_P#)0]9_[!5A_P"C;NN@KG[/_DH>L_\`8*L/_1MW0!T%%%%`
M!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%
M%%%`!7E?Q6\<WUN\'@SPA+)-XHU!PCK;C+V\14D_-D!'(P<_PKN8[?E:M3XI
M>/\`_A$M'73M)D\WQ-J&V.PMHXO-<;FV[ROYA>N6QP0&Q)\,_A_#X0TLZA?^
M9<>)-102ZA=3L'=6;YFC#9/`;J<G<1DG&T``U/`O@72_`>ABPL!YMQ)AKJ[=
M</<..Y]%&3A>V>Y))ZBBHYYX;6WEN+B6.&")"\DDC!510,DDG@`#G-`%?5=5
ML=#TNXU/4[F.VL[=-\LK]%'\R2<``<DD`9)KQC3=+U#XV>+$\2:E#/8>#[+,
M5G;,Q#W>&.X]<+D\.R_W0@)*E@DAF^.'CR$11W8\!:0^)2SF);N8`\J,9R<J
M,'E4R<HSX/N$$$-K;Q6]O%'#!$@2..-0JHH&``!P`!QBFFUJA-)Z,XO_`(4_
MX$_Z`7_DW/\`_%UT'A[PMH_A6":#1K5[:&9@[QF>21=P&,@.Q`..I'7`ST%;
M%%-SD]&Q*,5JD%%%%24%%%%`!1110`4444`%%%%`!1110`4444`%%%%`&?J>
MA:/K?E?VMI5C?^3GR_M=NDNS.,XW`XS@=/05Y_J?P'\(S^5/HQOM$OH,O#/:
M7+OB3@HQ#DGY2,_*5/7GH1ZA10!X_P#\(?\`%KPUSH?C2#6K6/\`?M#J:'S)
MG'6(%]Y"D*!_K%Y8_=^\8#\6_&OAHR)XQ\`W"Q13)YU[8[A#'&VT#!.]';)_
MYZ`$D+P0:]GKR_XTW&M7>AV^@:-I6H7@NF$MW);6KR*J*<JF0I&2PSP01LYX
M:JA'FE8F4N57//\`2OBS<1?%*YURX9_[(O66U>&1G`AMPWR.%!8;E&6(&<EG
MQC=FOI"OCO\`X0OQ5_T+.L_^`$O_`,37O?P@U/7?[#;0M>TG4+1K!1]EGNK>
M5?-C)/RDL,93@`9^Z0`/E)KIKPC:\3"C-WM(])HHHKD.D****`"BBB@`HHHH
M`****`"BBB@`KG[/_DH>L_\`8*L/_1MW705S]G_R4/6?^P58?^C;N@#H****
M`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`
M*Y/X@^.;'P+X:FOIY8S?RHR6%N1N,TN.,@$'8"06.1@<=2`=3Q/XGTOPCH<V
MKZO/Y5O'PJKR\KGHB#NQP?R))`!(\S^&?A>^\7:H?B-XTCDEOY7!TNUD3;%!
M$.5D1<DXR3L!]"_S%@P`-3X6^!;BVW>-/%0GN/%6H[I&-VH#6J'@`*/NL5QZ
M;5(0!<-GU"BB@`KP_6]1O/C)XYG\):3J'D>$=-VRW]Y:Y;[6P(^4-C;][(4'
MY3L9_GPH%CQ/XGU3XI:Y-X*\%3^5H\?&KZRO*%#P40CJIP1P?WF"`0@9CZAX
M8\,:7X1T.'2-(@\JWCY9FY>5SU=SW8X'Y``````%S2M*L=#TNWTS3+:.VL[=
M-D42=%'\R2<DD\DDDY)JY110`4444`%%%%`!1110`4444`%%%%`!1110`444
M4`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`57O[ZWTS3KF_O)/
M+M;6)YIGVD[44$L<#DX`/2K%1SS+;6\L[B0I&A=A'&SL0!GA5!+'V`)/:@##
M7Q9!;_:/[7TZ^TCR;26]_P!+\J3?#%M\QAY+R?=WIP<$[A@'!P+XL@M_M']K
MZ=?:1Y-I+>_Z7Y4F^&+;YC#R7D^[O3@X)W#`.#CF[J27QCHVNR+8ZE%JT^CW
M5K8V=S836RP)(H!1I)$5&E=A&6^8A=H"Y`9WD\1+/XM^W?V197S;?#^HV7^E
MV<MIF:?R?+4><J;L^6_(R!@9(R,@'4:?KQN]1%A=Z5?:9=/$TT*79A;S40J'
M(,4C@;2Z?>QG<,9P<;%<O:W8UKQE8W]I;7R6MII]U#,]W936V'DDMR@`E52V
M1$_W<XP,XR,]10`5S]G_`,E#UG_L%6'_`*-NZ/L?C#_H.Z'_`.":;_Y*K#M;
M7Q5_PG6K*NLZ,)QIED7<Z3*5*^;=;0%^TY!!W9.3G(X&.0#O**Y_['XP_P"@
M[H?_`()IO_DJC['XP_Z#NA_^":;_`.2J`.@HKG_L?C#_`*#NA_\`@FF_^2J/
ML?C#_H.Z'_X)IO\`Y*H`Z"BN?^Q^,/\`H.Z'_P"":;_Y*H^Q^,/^@[H?_@FF
M_P#DJ@#H**Y_['XP_P"@[H?_`()IO_DJC['XP_Z#NA_^":;_`.2J`.@HKG_L
M?C#_`*#NA_\`@FF_^2J/L?C#_H.Z'_X)IO\`Y*H`Z"BN?^Q^,/\`H.Z'_P""
M:;_Y*H^Q^,/^@[H?_@FF_P#DJ@#H**Y_['XP_P"@[H?_`()IO_DJC['XP_Z#
MNA_^":;_`.2J`.@HKG_L?C#_`*#NA_\`@FF_^2J/L?C#_H.Z'_X)IO\`Y*H`
MZ"BN?^Q^,/\`H.Z'_P"":;_Y*H^Q^,/^@[H?_@FF_P#DJ@#H**Y_['XP_P"@
M[H?_`()IO_DJC['XP_Z#NA_^":;_`.2J`.@HKG_L?C#_`*#NA_\`@FF_^2J/
ML?C#_H.Z'_X)IO\`Y*H`Z"J>JZK8Z'I=QJ>IW,=M9VZ;Y97Z*/YDDX``Y)(`
MR36//'XJM;>6XN/$7A^&")"\DDFD2JJ*!DDDW6``.<UXYY/B3XW^*/*^W0-X
M3TF7_CX^QR007,@'_/+S2[,0<??!5#GY&;#`&OX;TNX^,'CF3Q?KEE./"5EF
M/2;*Z<;97!`)*`89<@EN?O;4RX4@>X5S<&F>*K6WBM[?5_#\,$2!(XX]$E54
M4#```NL``<8J3['XP_Z#NA_^":;_`.2J`.@KR?QUXZU36=</@+P$?-UB3*W^
MH(V$L4'#`,.C#."W\.=JY<_+G_$3QCXLLKR+P=HFKV-_XAU'$;1:;ISPRVR$
M9SYC3N$8CGI\JY;*_*3T'@7X>:WX'T,6=AJFAI<38DNIGTJ65Y']"_VA<JN2
M!\J^N`2<@'2>!O!ECX%\-1Z/8R23$N9KB=^#-*0`6QG"C"@`#H`,DG)/25S_
M`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/
M_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C
M\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--
M_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_
M`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/
M_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C
M\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--
M_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_
M`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/
M_P`$TW_R51]C\8?]!W0__!--_P#)5`'045S_`-C\8?\`0=T/_P`$TW_R51]C
M\8?]!W0__!--_P#)5`'0453TV/4HK=EU2[M+F?>2KVMLT"A<#@JTCDG.><]Q
MQQS<H`****`"BBB@`HHHH`****`"BBB@`HHHH`*Y^S_Y*'K/_8*L/_1MW705
MS]G_`,E#UG_L%6'_`*-NZ`.@HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH
M`****`"BBB@`HHHH`KWU_9Z99R7E_=P6EK'C?-/((T7)`&6/`R2!^-23SPVM
MO+<7$L<,$2%Y))&"JB@9))/``'.:\S^*'B7P#J>G:CX/\0ZW]BODV.'%E)*U
MO)@.C`A"#P<'!!*LPR,UXAJ7Q*UC5/!=IX$FN[$6$,JV[ZD(WQ+;H5\K(V[@
MJ[<DA=Y`48R&W`'I_BO5KCXO>+;?P?X:FG;PY8RB36;^*0+%*-PP%;!SC:VW
MJ&;G&U`U>R:5I5CH>EV^F:9;1VUG;ILBB3HH_F23DDGDDDG)-<7\-==\`BS7
MPSX,O?.:WB-Q(&MY$>3E5:1V9%#,25_0````>@4`%>=_%#Q]=^&$L-"T&*.?
MQ)K#B*T#.F(,L%#D$]2QPN?ER&).%(-SXB?$2W\%6<5I:0_;_$-]A+&P0%BQ
M)VAV`YVYX`'+'@=RN?\`#OX=W&D7DOBOQ7-]O\67V7DD<AA:`C&Q<<;L<$C@
M#Y5^7)8`T/AW\.[?P59RW=W-]O\`$-]E[Z_<EBQ)W%%)YVYY)/+'D]@O<444
M`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`
M4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`5S]G_P`E#UG_
M`+!5A_Z-NZZ"N?L_^2AZS_V"K#_T;=T`=!1110`4444`%%%%`!1110`4444`
M%%%%`!1110`4444`%%%>;^(?C+H6GW@TSP];S^)M7?[EMIN70X`8_O`#GY2Q
M^0-C:0=M`'I%>;^(?C+H6GW@TSP];S^)M7?[EMIN70X`8_O`#GY2Q^0-C:0=
MM8__``@GCGX@?O/'NM_V5IC?\P;2B!G_`'VRR_>1'&3)U.-E>D>'O"NA>%+,
MVNAZ9!91M]\H"7DP21N<Y9L;CC).,X'%`'A'C3X<^/O%6G77B?6K"Q34Q@QZ
M9I=O&9"H&UC))NW-\L:E0&E8EL`+SBQJ7P+ETGX=6FJV"3W'BJTVW<]J8TF2
M7.TM"(R2K;,$C[V_##!W*%^AZ*`.;\(Z%96.EVE^_AC3=$UB2W"7:6MM$A#<
M;@&C)RA9<@;CQC//2/QUXZTOP'H9O[\^;<296UM$;#W#CL/11D9;MGN2`=#Q
M/XGTOPCH<VKZO/Y5O'PJKR\KGHB#NQP?R))`!(\S^'/AJ^\8^);GXC>+;20F
M5PVB6MQ)N$$625;;M`P`1L/&3N?&2K4`:'PV\%ZO-X@N_B#XO2--<U%,068A
M"_98R``2#RK[5"@9R%R&)9B!ZI110`4444`%%%%`!1110`4444`%%%%`!111
M0`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`
M!1110`4444`%%8^F>)]+U6UU*[MY]EGI\ICEN9ODC8"))?,5CUCVN"'Z$<C*
MX)KVOBDR:=/J6HZ%JNDV$-HUV]Q?+#\J`;B"D<C2!L9."HZ$=>*`.@HK'T_7
MC=ZB+"[TJ^TRZ>)IH4NS"WFHA4.08I'`VET^]C.X8S@XV*`"N?L_^2AZS_V"
MK#_T;=UT%<_9_P#)0]9_[!5A_P"C;N@#H****`"BBB@`HHHH`****`"BBB@`
MHHHH`***\S\3_&WPYHUPFGZ*LGB'5)'5(X+!LQEB5P/,`()(;@(&Y&#B@#TR
MO,_$_P`;?#FC7":?HJR>(=4D=4C@L&S&6)7`\P`@DAN`@;D8.*YN/P=\1?B=
MLG\9ZG_86B/M;^R[1=KR+^[;!3)QG!.9"S(P/R`5Z9X4\!^'/!EN$T;3HXYR
MFV2[D^>>3A<Y<\@$J#M&%SR`*`.#_P"$$\<_$#]YX]UO^RM,;_F#:40,_P"^
MV67[R(XR9.IQLKTCP]X5T+PI9FUT/3(+*-OOE`2\F"2-SG+-C<<9)QG`XK8H
MH`***IZEJVFZ-;K<:IJ%I8P,X19+J98E+8)P"Q`S@$X]C0!<KE]4^(/A_2+[
M6;*ZN'%QI%F+RX3;@,IQA%9B`7.Z,`9&3(H!)SCD-9^/GA6!)H-&-WJ%T;=G
MAF6V*PK)R%5][(^,XS@=#P<]/GMYS<7AN;U?MC/+YLPG=CYQSD[F!#<]R"#S
MUK>E1<TV8U*O(TCV_P`):!??%K68O'/BY8_[$B=ETG2%;?'A6P6?U&Y><\N5
MY`0!3[96;X?O]/U/P]I]YI*1QV$L"&"-`H$2@8V87@%<;2!T(([5I5AL;!11
M10`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%
M`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`<G]@FEMO',,NF27B
M7EPWE6K.81=J;&!-JR=@S!DW#H0?2N?NM'M-3M]=M_"6A2:=!)H5U;2QG37T
M];NXF`$(`=$#E`D@+'A?.&#\S8],HH`Y>UNQK7C*QO[2VODM;33[J&9[NRFM
ML/));E`!*JELB)_NYQ@9QD9ZBBB@#G_L?C#_`*#NA_\`@FF_^2JP[6U\5?\`
M"=:LJZSHPG&F61=SI,I4KYMUM`7[3D$'=DY.<C@8Y[RN?L_^2AZS_P!@JP_]
M&W=`!]C\8?\`0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5=!10!S_`-C\8?\`
M0=T/_P`$TW_R51]C\8?]!W0__!--_P#)5=!10!S_`-C\8?\`0=T/_P`$TW_R
M51]C\8?]!W0__!--_P#)5=!10!S_`-C\8?\`0=T/_P`$TW_R51]C\8?]!W0_
M_!--_P#)5=!10!S_`-C\8?\`0=T/_P`$TW_R57/^--8\<>$_"]UK-M+I6J-;
MX+PPZ3*FU,_,['[22%`Y.`?<`98>@5\V?%'XHZY:^)[ZST#Q7IM]HLZ!/LL-
MM%<*BF--P=GB*N&);@,W<''2@#N]6^(VIZ;\.H/&46MZ5/:W?[NU@.AS(\DW
MS#RV/VDA<%'RW(^4XW<`\W=_''54TO3Q87.FW^N7B)_Q+(-)D81NVW"&1;D@
MDAN`H)R-K!&R!XI_8VL?V'I]]=)/;:%<W;Q07<P<P+(=H=L*">BC)`);RR!D
MH0/HOX3?#/Q'X#UFZFU2YT::SEMW5?LJ;IQ(60\R-&K;,(?EW8S@XSS0!CR>
M#?B7\4+<R^*]7C\/:7(@:/3H8B=W"$;XPP.,C/[QRRL#\HS78>%/AQ>^#+<)
MHUYX?CG*;9+N31I7GDX7.7-UD`E0=HPN>0!7HE<?XB^*/@[PQYD=]K4$MTGF
M`VMH?.DWIU0A<A&SQ\Y7G//!P`:'V/QA_P!!W0__``33?_)5'V/QA_T'=#_\
M$TW_`,E5P<?Q5\5^*$F_X0GP'=SP,F^VU#49!%$X#`/QPI.=R@+)GC/8BK#_
M``]\;^*'?_A,?&\D%FSRJVG:&IB1XG7[I<@$C/&'5^!URQH`V-?\37OA9&;6
MO&OABT<('\EM)E:5E+;05C6Z+L,YY`/0^AKCX?BCXRUYS%X-TV/7"+AH?M#Z
M+);6I"J23YK71`.-I"L%.&'0X![#0/@YX(\/HNW1X]0GV%&FU'$Y8%L_<(V`
MC@`A0<#W.>\H`\KF\._%?Q2@75?$^F^'+26W4M#I$3/*LFX-@L2"I[$I(1\N
M,$$FJ^F_!66TOVU'4=7TW7M09RQNM9TV:X8C8$"E?M(1@`.-RDCUX&/7**`/
M+O%7PJU?Q:+".[\2Z?:VUA$8K:VLM&,<<8.,X!G)Z*HQG`"C`'.><_X9VF_Z
M&Q/_``6'_P"/5[I15JI-*R9#IQ;NT>>>#_`/B+P587%EIWBC3YK>:7SMESI#
M-M?`!(*SJ>0%ZYZ#&.<]']C\8?\`0=T/_P`$TW_R57045+;;NRDDE9'/_8_&
M'_0=T/\`\$TW_P`E4?8_&'_0=T/_`,$TW_R57044AG/_`&/QA_T'=#_\$TW_
M`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=
MT/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E
M5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/Q
MA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_
M`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=
MT/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E
M5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/Q
MA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_
M`,E4?8_&'_0=T/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=
MT/\`\$TW_P`E5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E
M5T%%`'/_`&/QA_T'=#_\$TW_`,E4?8_&'_0=T/\`\$TW_P`E5T%%`%/38]2B
MMV75+NTN9]Y*O:VS0*%P."K2.2<YYSW'''-RBB@`HHHH`****`"BBB@`HHHH
M`****`"BBB@`KG[/_DH>L_\`8*L/_1MW705S]G_R4/6?^P58?^C;N@#H****
M`"BBB@`HHKC_`!=\3O"W@O=%J5]YM\,?Z#:`23?P]1D!.&#?,5R,XS0!V%>?
M^,OC#X6\(>;;?:?[2U-,K]CM&#;&&X8D?[J89<$<L,@[37GDFK_$/XT/#:Z=
M9R>'_"[OB:Y5VQ(A4JP9_E,PRKC8@`RP#]`PZ?3/"'PT^$Z1W>M:A:3:M&B2
M^=?,'E&64!HH%R0-ZDA@&9?F^;`-`',&P^(?QJN$>_$GAWPLR,44*VV9<AT)
M0L#,3E,.<)\I*X.0>X'P2\`:?X;N+2YM9"H4R2:E<7)6:/`;#[AA5"ACQMVG
M:I8-C-97_"X==\4?N?`7@J^OMWR"]OP$ACD'S,K;3M^YC&9%.6''3/%^//"W
MQ)N)+)==U"\U^;YF^SZ;:2M;0@<(YVHJ&0[I!]W(`&3@@"H1YI6)E+E5SG_^
M$AT*XUN^M[_39QX4FA-O#96P_>VR("89(PSX$P8DEB2"99<YWG/IFEZ]\2;S
M0[32O"?@3^P;&'=:^=K%V\KP`XVLHEVOM0$_PN.``/EVUY'_`,(7XJ_Z%G6?
M_`"7_P")KZ,^%5_JL_@V#3]:TZ\L[S3L6Z_:;=HO,B`_=D94#@?+@9/R@G[U
M=&(A&R<3&C-WLSE_^%/:[XH_?>/?&M]?;OG-E8$)#'(/E5EW#;]S.<1J<L>>
MN>XT;X<^#M`V'3O#MBDB2B9)IH_.D1QC!5Y-S+C`(P>#SUKJ**Y3H"BBB@`H
MHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BB
MB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****
M`"BBB@`HHHH`****`"N?L_\`DH>L_P#8*L/_`$;=UT%<_9_\E#UG_L%6'_HV
M[H`Z"BBL?Q#XJT+PI9BZUS4X+*-ON!R2\F"`=J#+-C<,X!QG)XH`V*YOQ7X\
M\.>#+<OK.HQQSE-T=I'\\\G#8P@Y`)4C<<+G@D5XIXN_:)U&\W6WA2S_`+/A
MX_TR[57F/W3PG*+R&'._((/RFO/_``IIVJ>)+RX;3?#D^NZV\ID>[NY=\$18
M%@[@X4R%E8@R.4;D%&-`'IFJ_$3QO\2DN+7PA82:+H<+[KC5I9C$8T1LEGFR
M%C`5D9D3<V`>64D5EV-M\+O`MY';!9_'.OOE(D@B5[;S"#L4+DJV[>HX\T@K
MD!3Q71V7P3U_Q.+*Z\=>))%2%`L>FV**%MT\M0%0@".,@J`0B$';U.<CUC0/
M!WASPLBKHNCVEHX0IYRINE92VXAI&R[#.."3T'H*`/,_^+N_$*#_`)8>#]):
M7_;2[>/?_P!][E"_],@V[T/'0>'O@IX6TB\.HZF)]>U*3YY9M2(D1I"#O;R^
MAW%B?GWD8&#GD^D44`1P00VMO%;V\4<,$2!(XXU"JB@8``'``'&*DHHH`***
M*`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBN<\9^,]
M-\%:,;V]/F3R96VM5;#SN.P]%&1ENWN2`6DV[(3:2NSHZ*\,M/V@Y?[2<WN@
M(+%V0((;@F6)?XR21ASW`^3T)/6O7O#OB+3?%.C0ZII<WF02<,K</$XZHX[,
M,_R(R"";G3E#=$QJ1ELS5HJO?7]GIEG)>7]W!:6L>-\T\@C1<D`98\#)('XU
MS>I?$[P1I5NL]QXGTUT9P@%K,+ALX)Y6/<0..N,=/45F6=917E^I_'[P-8>5
M]FN+[4M^=WV2U*^7C&,^:4ZY[9Z'..,Y_P#PO?\`M7_D5/!6N:SY7_'S\FSR
ML_=_U8DZX;KCIW[`'L%%>-CQ_P#%?7+AVT+X>QV4$2*)$U0LK,Q)Y5G:($8`
MX`..YY%$=E\==9>:[;4]&T(%]JV3+&X`"CYE(24X)SU;.<\`8H`]DHKQN/X8
M_$;57FO-:^)EW9W;OCR].,ABVA0`<*T04]<@+[Y))HA_9UT&9#-K&O:S>ZA(
M[//<HZ()&+$YPRN<\\DL<G)[XH`R/BS\43?M+X<\/74;6)4"ZO;>57%P"`?+
M1E)&WG#=R<KP`=WCL,TMM/'/!*\4T3!XY(V*LC`Y!!'((/>O9/'OP673=,L9
M_!UC/.+>)DO(FFWR28&1(`>K'YLJO<KM7K7F\/@;Q9<3QPIX:U8-(P0&2T=%
M!)QRS``#W)`%>A1<%!6.&JI<^I[?\.OBO:ZSI%PGBC4].L;ZV=%66:1(%G0K
MU^9N7RK%L``97`KLO^$[\'_]#7H?_@QA_P#BJ\]\&_`_2UTAW\8V*7=]*X:.
M*.ZD"PIM'!V%<ODL#RPX&#UST7_"DOAY_P!"]_Y.W'_QRN.KR\SY=CKI\W*N
M;<ZBQ\6>&]3O([.P\0:5=W4F=D,%['([8!)PH.3@`G\*V*\WOO@5X!N[.2"'
M2Y[*1L8G@NY"Z8(/`=F7GIR#U]>:Q_\`AG'P?_T$M<_[_P`/_P`:K,L]@HKQ
M_P#X9Q\'_P#02US_`+_P_P#QJC_A4'C#_HK.N?E-_P#'Z`/8**\?_P"%0>,/
M^BLZY^4W_P`?H_X1;XU6G^C6?C?2I;6+]W#)<1`R.@X4OF%CN(QG+-SW/6@#
MV"L#Q;XRTCP9IJ7FJR.3*VR&"$!I93QG:"0,`'))(`X[D`^??\(]\<_^AST/
M_ORO_P`CUY5\0D\4P^)OLWB^\CO-1@@1$N(H@D;QG+#;A%R`689QU!':M:,%
M.5F9U9N$;H]3MOV@M*>_F2ZT.\BLQN\J6*59)&YXW(=H7(R3AC@\<]:]4TG6
M=-UVP6]TJ]AN[=L?/$V=IP#M8=5;!&0<$9Y%?%M>X?L^_P!J_P#$Y_Z`_P`G
MW]W^O_V/X?N_>[_ZOM6]:A&,>9&-*M)RLSW"BBBN,Z@HHHH`****`"BBB@#F
M[?Q?#)I'B'5+C3[NWM]&=]R.H$LL:P)/NV'&TE7X5B".-VTY41S^*;S1_M7]
MOZ9!!Y6GW&H)]@NS<[XX-GF`[XX\-^\3:.0><E<#,=YH%]?:5XYL56.)]8>1
M;1Y&^4AK*&(,<9(&]6'3/&<=,T]9TS5O%OVW&E3Z5G1+[3T^WRQ'?)<>5M(\
MEY/E7RCN)P?F&`><`&Y8:QJ7]LQZ7J^G6EK//;R7$#6EXUPI6-HU<-NCC*G,
MJ8P#GYLXP,[E<W9C4-4\56FJ3Z1=Z;!9V5Q;E;N2%FE:5X6!7RI'&`(6SN(^
M\N,\XZ2@#Y]^)_Q+\8>'?'&JZ?I&J"&TM_*,<1MXFV@Q(QY923R2>M</_P`+
M?\8Q3RZI'K&+RXBC@=OLT/*QERHQLQP9'/`R=W/;"?%JQN+3XD:R)M5NKID$
M),TP0.W[E.H0*OMPH_/FO/\`R6$2RMPC'&1UKH;LE:/3R^\P2NWKU_I'J%M\
M??&5OIMU#)-!<W<P41W$L*#[.,,&*JJ@%B2A!;(&W&#FC3?A-X_\>:RVK:ZD
MEB+QS)/>:B=LAPP4@1#Y@0,[5(5<*`"!BN3T'2O%B+/?^%/[5D:/;%,^EEQ(
MH?)`(0[BI\L\],J,]172:;\2_&]C<-H[^-)-/2U0AY-9LC)()<C?&2(Y9"0Q
M8`MV7^'A1C--.S-8M-71Z_X7^`OA30T2755DUJ\5U??/F.)2K$C$2G!!&`0Y
M8''8$BO4(((;6WBM[>*.&")`D<<:A510,``#@`#C%>'Z(WQ9\1V_GZ-\1_#%
M\@1'<0A&:,,,KO7[/E"<'A@#P?2M3_A'OCG_`-#GH?\`WY7_`.1ZDH]@HKQ_
M_A'OCG_T.>A_]^5_^1ZY_P#XR'_S_9]`'T!17S__`,9#_P"?[/H_XR'_`,_V
M?0!]`5E:[XET;PS:BYUG48;2-ON!R2[\@':@RS8W#.`<9R:\4_M?XVZ+_I.N
M6&JWMJW[M8],6R,@<\@G9#*=N`?X1R1SV/GWC#6]9UW7FGUR*_@NHHUB6"_1
M%FB3[P#;(XP<EBP^4'##KUK6E3YY6,ZL^2-SW&'X\^$Y9XXWM=6A5V"F62!"
MJ`GJ=KDX'7@$^QKTV&:*Y@CG@E26&50\<D;!E=2,@@C@@CO7Q%7H?P]^(,.@
MPG2-9\2ZQI5@S%[9[."&:.(X)??YD;L`3MP$&,LQ/4FMJU",8\T3*E6<I69]
M.T5Y?IGC/PSJ_F_9OBQ?1^5C=]KCL[;.<XQYMLN[IVSCC/45TFFVC:S;M<:7
M\0]2OH%<HTEK]@E4-@'!*VY&<$''N*Y#I.LHKG_^$>U3_H<]<_[\V7_R/1_P
MCVJ?]#GKG_?FR_\`D>@#H**Y_P#X1[5/^ASUS_OS9?\`R/1_PCVJ?]#GKG_?
MFR_^1Z`.@HKG_P#A'M4_Z'/7/^_-E_\`(]'_``CVJ?\`0YZY_P!^;+_Y'H`Z
M"BN?_P"$>U3_`*'/7/\`OS9?_(]'_"/:I_T.>N?]^;+_`.1Z`.@HKG_^$>U3
M_H<]<_[\V7_R/1_PCVJ?]#GKG_?FR_\`D>@#H**Y_P#X1[5/^ASUS_OS9?\`
MR/1_PCVJ?]#GKG_?FR_^1Z`.@HKRO6_&_AS0[?S9OBEJ5T[([1Q6"6-PSE1]
MWY+<A2<@#<5!]>#CC)OBKX@UC[0G@U/&6J^7$-TSVUF?)D;=MW1Q6KY7C/WE
M)P1QC-`'T/5>^O[/3+.2\O[N"TM8\;YIY!&BY(`RQX&20/QKQO3="^.6LV[1
MZIXDM-)@D<Q2ADA,XC(&70Q(1G!./G4Y'4<&KG_"@K/5/W_BCQ;KFKWR_(D_
MF!=L?4+B3S#U+'J!ST[D`Z#6_C3X&T3ST_M?[?<0[?W-A&9=^<?=DXC.`<GY
MNQ'7BO"?'^O/XL\1OXCAMM1ATN\4)8F\C*@K&H5PG)7`?<3M)Y;GDFO=M$^$
MNE>'/(;2=5OK>:#=Y=Q]DL7F7=G/[UK<N>"1R>G'2K>N_#F'Q-:BVUGQ%JUW
M&OW"\%D'3D$[7%N&7.T9P1G&#6M*IR2NS.I#GC8^5*]`^'/P\N_'5IJ*/K5]
MINDI+"MS%#&2E[@EBN=P7<N`1D-@N#CU],/P!\*D$?VAK(]_.B_^-UU6F^"Y
M]'TV#3]/\5:S;VD"[(XDALL`?^`^22<DD\DDD\UM6KQE'E1E2HRC*[.1L?V>
M?!5I>1SS2ZK>QKG,$]PH1\@CDHBMQUX(Z>G%=)IOPE\!Z5<-/;^&K1W9"A%T
MSW"XR#PLC,`>.N,]?4UJ?\(]JG_0YZY_WYLO_D>C_A'M4_Z'/7/^_-E_\CUR
M'27--\-:#HUPUQI>B:;8SLA1I+6U2)BN0<$J`<9`./85J5S_`/PCVJ?]#GKG
M_?FR_P#D>C_A'M4_Z'/7/^_-E_\`(]`'045S_P#PCVJ?]#GKG_?FR_\`D>C_
M`(1[5/\`H<]<_P"_-E_\CT`=!17/_P#"/:I_T.>N?]^;+_Y'H_X1[5/^ASUS
M_OS9?_(]`'045YKK'B;1M`U6;3-3^)&N07D.WS(_L-NVW*AARMH1T([U1_X3
M[PQ_T4_7/_!=#_\`(=6J<GT)YX]SUBBO/-`UK3O%%^]EHWQ%URYN$B,S)]BM
MDP@(!.6M0.K#\ZZ/_A'M4_Z'/7/^_-E_\CU+36C&FGL=!17/_P#"/:I_T.>N
M?]^;+_Y'H_X1[5/^ASUS_OS9?_(](9T%%<__`,(]JG_0YZY_WYLO_D>C_A'M
M4_Z'/7/^_-E_\CT`=!17/_\`"/:I_P!#GKG_`'YLO_D>C_A'M4_Z'/7/^_-E
M_P#(]`'05@>+?!ND>,]-2SU6-P8FWPSPD++$>,[201@@8(((/'<`A/\`A'M4
M_P"ASUS_`+\V7_R/7BWCSQYXS\+^--0T:R\3W4EO;^7L:>UM2YW1JQR1$!U8
M]JTIQE*7N[D3E%+WCM?^%!>%?^@AK/\`W^B_^-UZ-I.C:;H5@MEI5E#:6ZX^
M2)<;C@#<QZLV`,DY)QR:^==-^./C&QMVBN'L=0<N6$MU;[6`P/E'EE!CC/3/
M)YZ8]!^&/Q.UKQIXEN=-U*UT^*&*S:<-;1NK;@Z+CYG(QACVK2I3JVO)F<)T
M[VB>KT445SFX4444`%%%%`!1110`4444`%%%%`')ZW\-/"'B/4Y]1U;2!<W<
M^WS)#<2KG"A1PK`#@`<5S,'PI\%3>+]3TR31`;.'3K2:.+[3,-KO)<*QSOSR
M(T^F..]>I5S]G_R4/6?^P58?^C;NJYY=R>6/8?X<\&Z!X1%P-"T\6@N=OF@2
MN^[;G'WF./O'IZUHZEI.FZS;K;ZII]I?0*X=8[J%95#8(R`P(S@D9]S5RBDV
MWN4E;8\SUOX$>"-8N//AMKO3'+N\@L)@JN6.?NN&"@<X"A0,_3&7_P`*_P#B
MCH?_`"`/B-]N\[_7?VK&QV8^[LWB7KELXV]!U[>P44@/'_\`A8'Q1T/_`)#_
M`,.?MWG?ZG^RI&.S'WM^PR]<KC.WH>O;8T;XY^!M7V++?SZ;,\HB6.^@*YSC
M#%DW(JY/5F&,$G`YKTBL?6?"GA_Q#O.KZ+8WLC1&'SIH%,BH<\*^-R]21@C!
M.1S0!<TW5M-UFW:XTO4+2^@5RC26LRRJ&P#@E21G!!Q[BKE>5ZE\`_"DUPMW
MHUQJ6BW<2`P-:W!=4E!)60[\OD''`9?NC&#S5/\`X1?XM>$/WNA^*(/$UJO[
MQK34P1)([?*0"[$A0,-_K5Y!X_O`'L%</X\^&6F^.9(KN2ZFLM1AB$*3H-Z%
M-V<,AQG&6Q@C[W.<`5R__"V_%/ASY/&G@&^MX8/^/O4+#+PKN^YMSE#R44_O
M>N>_RUYIXK^)6IZ[XEN]2T+6-:L=-FV>3;FY:+9A%5OE1BHRP)X/>M:,92E[
MKL9U9)1]Y'=_\,\?]33_`.4__P"V5ZGI?@[0=)\-+X?BTZ"?3N#+'<QK)Y[Y
M!WR9&&;(!Z<8&,``#Y8_X33Q5_T,VL_^!\O_`,57L7P)UK5=7_M_^T]3O+WR
MOL_E_:9VDV9\W.-Q.,X'Y"MJT*G+>3,J4X<UHH[+4_A7X&U?ROM/AFQC\K.W
M[(IMLYQG/E%=W3OG'..IKF]2_9]\$7UPLMN-2T]`@4Q6MR&4G)^8^8KG/..N
M.!QUSZI17(=)X_\`\*4UBP_T;0/B/KFFZ8G^IM,NWEYY;E)$7EBQX4=>_4G_
M``BWQJM/]&L_&^E2VL7[N&2XB!D=!PI?,+'<1C.6;GN>M>P44`>/_P#"8_&+
M2_\`3-6\!V-U8Q_ZR&PES,V>!MVR2'J03A#P#TZ@_P"%XWFE_O\`Q1X!US2+
M%OD2?:6W2=0N)$C'0,>I/'3N/8**`/+],^/W@:_\W[3<7VF[,;?M=J6\S.<X
M\HOTQWQU&,\XZ33?B=X(U6W:>W\3Z:B*Y0BZF%NV<`\+)M)'/7&.OH:W-3T+
M1];\K^UM*L;_`,G/E_:[=)=F<9QN!QG`Z>@KF]2^$O@/5;A9[CPU:(ZH$`M6
M>W7&2>5C903SUQGIZ"@"/QW\2M,\):+%-:2P7VH7L0DLHD?<C(>DK$'[GIC[
MW0=R/';;XW>,H+^:XDGL[B*3=MMI;8"./)R-I7#<=!ECQUR>:I?$KX?/X)UE
MI+&WD&A7+YM9"Y?RV(R8V/4$'.W.<KW)#8X:N^E2AR7W.*K4GS6V/J&Q^,?@
MZ7P];ZIJ&IQZ?)(_E26CAI)8WQD_*@)*>CXQR`<'BN>O/V@-+N+P6'ACP]JN
MMWQE9$C5?+$J`$ETQO<\#."@XR3C&*PO@OX#T_68;S6M>T2.Z@1E2P>Y&Z-C
MAQ+\A.''*C)!`(XY!Q[K8V%GIEG'9V%I!:6L>=D,$8C1<DDX4<#))/XUR58J
M,VD=5.3E%-GD9O/C;XHN$DL[33?#%F4:6(S['9U8C:D@(D8.!_L)_%D`X%1P
M_`B\UC[._C+QKJNJ^7$=L*.3Y,C;=VV24OE>,?=4G`/&,5[11699Q^F?"OP-
MI'F_9O#-C)YN-WVM3<XQG&/-+;>O;&>,]!78444`%%%%`!7*ZQ\2/">@:K-I
MFIZMY%Y#M\R/[/*VW*AARJD=".]=57RO\8/^2IZS_P!L/_1$=:T::G*S,JLW
M"-T>X?\`"X/`G_0=_P#)2?\`^(K<\.^,-!\5_:?[$OOM7V;;YO[ETV[L[?O*
M,_=/3TKX[KT#X8^,-8\*?VI_9/A*^U_[3Y7F?9"_[C;OQG;&_P![<>N/NGK6
MU6A&$')&=.M*4DF?4%%>3S>-/BMJMG;76A_#R"RC;=O&I7:EVP<#Y"T3)T/4
M'.01QUDL[WXV:K;W44VF>&-&?9MCEF9V;)!^9-CR#*\'YACD<'FN0Z3U2BO)
M['PW\9Y+R-;_`,=:5!:G.^2"SCE=>#C"F%0><?Q#UYZ5)-\+O%]]J@O+_P"*
M>LE&=3+':0M;`J,`A0DFQ"0.NT\\D'G(!ZI17F>I?!;3=9MUM]4\6^+KZ!7#
MK'=:BLJAL$9`9",X)&?<U8@^!WP^AMXHGT62=T0*TLEY,&<@?>.UP,GKP`/0
M"@#I/^$[\'_]#7H?_@QA_P#BJR]2^+7@/2KA8+CQ+:.[('!M5>X7&2.6C5@#
MQTSGIZBK&F_#'P1I5NT%OX8TUT9RY-U"+ALX`X:3<0..F<=?4UL:;X:T'1KA
MKC2]$TVQG9"C26MJD3%<@X)4`XR`<>PH`^6_B)K>G>(_'>I:MI-Q]HL9_*\N
M78R;ML2*>&`(Y!'(KEZ]W\>?"'7_`!1XTU#6;*\TR.WN/+V+/+('&V-5.0$(
MZJ>]<Y_PH+Q5_P!!#1O^_P!+_P#&Z]"%6"BDV<,Z<W)NQC_";7_^$<\575Y_
M9&JZIOLGB\G3+;SY%RZ'<5R,+QC/J1ZUZ9??%SQ)'>2+8?"WQ'/:C&R2>*2)
MVX&<J(F`YS_$?7CI2_#'X8ZUX+\2W.I:E=:?+#+9M`%MI'9MQ=&S\R`8PI[U
MZO7+7DI3NCIHQ:C9GG<'C/X@W-O%.GPOD"2('42:W"C`$9Y5E!4^Q`([U)_P
MEOQ#_P"B8?\`E?M_\*]`HK$U/.Y_%GQ):WE6W^&<<<Y0B-Y-<@=5;'!*C!(S
MVR,^HK#_`.$A^.?_`$)FA_\`?Y?_`)(KV"B@#Q__`(2'XY_]"9H?_?Y?_DBK
MFFZK\;+ZX:*X\/\`AC3T"%A+=2.RDY'RCRY7.><],<'GIGU2B@#S/4K+XSWU
MNL5OJ?A'3W#AC+:K,S$8/RGS$<8YSTSP.>N?"_&]OKMIXOOH/$M[!>ZNOE_:
M)X``CYC4K@!5Z+M'0=/QK[`K@/$GPAT#Q1K]SK-[>:G'<7&S>L$L80;5"C`*
M$]%'>MJ$U"5V95H.4;(^7J]4^`7_`"/=]_V#)/\`T;%7<?\`"@O"O_00UG_O
M]%_\;KH/"'PQT7P7JTNI:;=:A+-+`8"MS(C+M+*V?E0'.5'>MZE>$HM(QA1D
MI)L[2BBBN(ZPHHHH`****`"BBB@`HHHH`****`"N?L_^2AZS_P!@JP_]&W==
M!7/V?_)0]9_[!5A_Z-NZ`.@HHHH`****`"BBB@`HHHH`*^5_C!_R5/6?^V'_
M`*(CKZHK*O/#&@:C=/=7NAZ9<W$F-\T]I&[M@8&21D\`#\*UI5%"5V9U8<ZL
M?&E>@?#'6/&.B_VI<^%]!@U>U7RI-0C9L2!%WD"/Y@2Q&_HK\@<=C]"?\(7X
M5_Z%G1O_```B_P#B:O:=HNE:1YG]F:99V7FX\S[-`L>_&<9V@9QD_F:UJ8A3
MBXV,Z=%QE>YYK8_'K0H[R/3_`!+I&JZ#?C/VA)X2Z0\%ESC$AR-O\'\7IS7H
MFB>)-%\1V_GZ-JEI?($1W$,H9HPPRN]>J$X/#`'@^E6-2TG3=9MUM]4T^TOH
M%<.L=U"LJAL$9`8$9P2,^YKSOQ%\!O!VM>9+8Q3Z1=-YC!K1\QEVY!,;9`4'
M^%"G!(],<IT'J%%>-Q^&?C!X1>:31_$EIXDLT?>MKJ+'S9RRA3R_*A3R`)0/
MESU)!#\<+[P]<):^-?!>I:8^QD\^`[EGE0@-Y8?:"G).0[8RO7.:`/9**Y?1
MOB-X.U_8-.\16+R/*(4AFD\F1W.,!4DVLV<@#`Y/'6NHH`****`(+RRM=1M7
MM;VVAN;>3&^&>,.C8.1D'@\@'\*P(_AWX/CU*6_7P[IYFE78RM%NB`XZ1GY%
M/`Y`!Z^ISTU%-2:V8FD]PHHHI#"BBJ>I:MINC6ZW&J:A:6,#.$62ZF6)2V"<
M`L0,X!./8T`7**\GUCX^^&K>5+3P_:7VNWTVP0)#$T2.[-C9EAOW8Y&$.<@9
MZXRWO/C1XX1_L=I:>%=/D278T_R2LI;:%;(:17`R0P1.Y_NT`>P:EJVFZ-;K
M<:IJ%I8P,X19+J98E+8)P"Q`S@$X]C7F>K?'?1OMD%AX4TN^\27TW(C@C>(8
M`8L!E"Y8!0<!,8.<\8J/3?@'I#W[:CXIUO4O$-XSDNTKF)9%V!5#_,SDC'!#
MCH!C`Y](T3PWHOARW\C1M+M+%"B(YAB"M(%&%WMU<C)Y8D\GUH`\G2S^-'CA
M$^V7=IX5T^1(MZP?)*REMQ9<%I%<#`*ET[#^]7(ZS\&/&5OJ]REI%)K,1??_
M`&A)-'&T[,-S$JTA;.XD9)YQGO7TU15TZC@[HB<%-69\K_\`"G_'?_0"_P#)
MN#_XNO5/@SX/U[PI_;?]MV/V7[3Y'E?OD?=M\S=]UCC[PZ^M>J45I.O*<>5D
M1HQB[H****P-@HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@
M`HHHH`****`"BBB@`HHHH`****`"BJ>K:E#HVC7VJ7"R-!96\EQ(L8!8JBEB
M!D@9P/45Q]EXNU2VT;4M1U6YM)Y[+3);PV"Z1=6#.R*&;9).Q+H#\I(3C>I.
M,@$`[RBN?LKW6+3Q#!I.K7-C=_:K2:YCEM+5[?R_*>)2I#22;MWG`Y!7&T]<
M\=!0`5S]G_R4/6?^P58?^C;NN@KG[/\`Y*'K/_8*L/\`T;=T`=!1110`4444
M`%%%%`!1110`4444`%%%%`!1110`4444`<'K_P`'/!'B!&W:/'I\^P(LVG8@
M*@-G[@&PD\@DJ3@^PQR\/PJ\;^%$(\%^/)%@#LD5EJ$9,443,6X^^I?..0BY
MRQXS@^R44`>+R_%3Q[X4E9_&O@;%C^[9KK3B=D"%BI+-N="V<84LG;/W@:ZC
M1/C3X&UOR$_M?[!<3;OW-_&8MF,_>DYC&0,CYNX'7BO0*YO7_`'A3Q0[2ZQH
M=I/.SAVG4&*5R%VC=(A#$8XP3C@>@H`XOQ1\;8?#WB&XTRWT:/4((TB>.ZCO
M@%E5XU<$80C&&ZY.>M8__#0__4K?^5#_`.UUY?XW\-V?A'Q??:'823R6MKY>
MQYV!<[HU<Y(`'5CVKGZ[X4:;BFT<4ZLU)I,^H/!/Q2L_%5GJMY?VL&C6NG>3
MOFGO`4/F%@,L54+RH'OFL_Q%\>?!VB^9%8RSZO=+YBA;1,1AUX`,C8!4G^)`
M_`)],^9_"KX>:+X[N-0EUE[LIISP,D4,@190Q?<K\$X^0#Y2#R>?3Z`T#P=X
M<\+(JZ+H]I:.$*><J;I64MN(:1LNPSC@D]!Z"N2M%1FTCII2<H)L\O>\^-'C
MA'^QVEIX5T^1)=C3_)*REMH5LAI%<#)#!$[G^[6AIOP#TA[]M1\4ZWJ7B&\9
MR7:5S$LB[`JA_F9R1C@AQT`Q@<^N45F:&7HGAO1?#EOY&C:7:6*%$1S#$%:0
M*,+O;JY&3RQ)Y/K6I110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%
M%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110!7OX
M;BXTZYAL[K[)=21.D-QY8D\IR"%?:>&P<'!ZXKE[WP]K'B7^TO[92QT_S=*G
MTVU^QW#W.WS\>:[[HX\X\N+:!_MY/(QV%%`'/V5EK%WXA@U;5K:QM/LMI-;1
MQ6ET]QYGFO$Q8EHX]NWR0,`-G<>F.>@HHH`Y_P#X0W2_^?K7/_![>_\`QZL.
MU\)Z<WCK5H#<ZSL33+)P1K5X&RTMT#EO-R1\HP"<#G&,G/>5S]G_`,E#UG_L
M%6'_`*-NZ`#_`(0W2_\`GZUS_P`'M[_\>H_X0W2_^?K7/_![>_\`QZN@HH`Y
M_P#X0W2_^?K7/_![>_\`QZC_`(0W2_\`GZUS_P`'M[_\>KH**`.?_P"$-TO_
M`)^M<_\`![>__'J/^$-TO_GZUS_P>WO_`,>KH**`.?\`^$-TO_GZUS_P>WO_
M`,>H_P"$-TO_`)^M<_\`![>__'JZ"B@#G_\`A#=+_P"?K7/_``>WO_QZC_A#
M=+_Y^M<_\'M[_P#'JZ"B@#A[;PW:2>,M3L&OM<-K#I]I-&G]N7GRN\ER&.?-
MSR(T_+W-;'_"&Z7_`,_6N?\`@]O?_CU:$.F>5XAO=6\[/VFT@MO*V_=\IYFW
M9SSGSL8QQM[YXT*`.?\`^$-TO_GZUS_P>WO_`,>H_P"$-TO_`)^M<_\`![>_
M_'JZ"B@#G_\`A#=+_P"?K7/_``>WO_QZC_A#=+_Y^M<_\'M[_P#'JZ"B@#G_
M`/A#=+_Y^M<_\'M[_P#'J/\`A#=+_P"?K7/_``>WO_QZN@HH`Y__`(0W2_\`
MGZUS_P`'M[_\>H_X0W2_^?K7/_![>_\`QZN@HH`\C\1?`V+6]>N=1A\0SV\<
MVW$4\3W3KA0O,CR[FZ9YZ=.@KFH?@29?$E]I?_"28%O9V]QYGV'[WF/,N,>9
MQCRNN><^W/T#7/V?_)0]9_[!5A_Z-NZU5::5DS-TH-WL<OX/^$5KX8^V_:=9
MOKO[1LV_9)Y[';MW9SY4OSYW=^F#CJ:ZC_A#=+_Y^M<_\'M[_P#'JZ"BLY2<
MG=EQBHJR.?\`^$-TO_GZUS_P>WO_`,>H_P"$-TO_`)^M<_\`![>__'JZ"BD,
MY_\`X0W2_P#GZUS_`,'M[_\`'J/^$-TO_GZUS_P>WO\`\>KH**`.?_X0W2_^
M?K7/_![>_P#QZC_A#=+_`.?K7/\`P>WO_P`>KH**`.?_`.$-TO\`Y^M<_P#!
M[>__`!ZC_A#=+_Y^M<_\'M[_`/'JZ"B@#A[;PW:2>,M3L&OM<-K#I]I-&G]N
M7GRN\ER&.?-SR(T_+W-;'_"&Z7_S]:Y_X/;W_P"/5H0Z9Y7B&]U;SL_:;2"V
M\K;]WRGF;=G/.?.QC'&WOGC0H`Y__A#=+_Y^M<_\'M[_`/'J/^$-TO\`Y^M<
M_P#![>__`!ZN@HH`Y_\`X0W2_P#GZUS_`,'M[_\`'J/^$-TO_GZUS_P>WO\`
M\>KH**`.?_X0W2_^?K7/_![>_P#QZC_A#=+_`.?K7/\`P>WO_P`>KH**`.?_
M`.$-TO\`Y^M<_P#![>__`!ZC_A#=+_Y^M<_\'M[_`/'JZ"B@#G_^$-TO_GZU
MS_P>WO\`\>K'MO#=I)XRU.P:^UPVL.GVDT:?VY>?*[R7(8Y\W/(C3\O<UW%<
M_9_\E#UG_L%6'_HV[H`/^$-TO_GZUS_P>WO_`,>H_P"$-TO_`)^M<_\`![>_
M_'JZ"B@#G_\`A#=+_P"?K7/_``>WO_QZC_A#=+_Y^M<_\'M[_P#'JZ"B@#G_
M`/A#=+_Y^M<_\'M[_P#'J/\`A#=+_P"?K7/_``>WO_QZN@HH`Y__`(0W2_\`
MGZUS_P`'M[_\>H_X0W2_^?K7/_![>_\`QZN@HH`Y_P#X0W2_^?K7/_![>_\`
MQZC_`(0W2_\`GZUS_P`'M[_\>KH**`.7T.T&F>,M8L(+F^DM5T^RF5+N]FN=
MKM)<AB#*S$9"+T]!745GPZ9Y7B&]U;SL_:;2"V\K;]WRGF;=G/.?.QC'&WOG
MC0H`****`"BBB@`HHHH`****`"BBB@`HHHH`*Y^S_P"2AZS_`-@JP_\`1MW7
M05S]G_R4/6?^P58?^C;N@#H****`"BBB@`HHHH`C$\+7#VZRQF=$5WC##<JL
M2%)'4`E6`/?:?2J=KKNCWVHSZ=9ZK8W%]!N\ZVAN$>2/:=K;E!R,$@'/0UCZ
M38V]E\0_$!MX]K3Z?932L6+,[F6[Y)/)P`%'HJJHP```6-NVM:%I&F1[+'P_
MF61@Q81$0-#%`2>K%)BY.20$7</WBF@#8OM=T?3(I);_`%6QM(XY1`[SW"1A
M9"H<(23PQ4AL=<'/2K'V^S_L[^T?M<'V'RO/^T^8/+\O&[?NZ;<<YZ8KD_#J
M++HFGZ[;0VEQX@U*WFOX8[FZ:(F*X>*1T+!6+"-?(C#;#Q&@^4'`R]2L;>^^
M#GB+[5'YC1?VM<-&6.Q9Q+<$C_;57)VE@,[5?:K`!0#T2:>&V0//+'$A=4#.
MP4%F8*HY[EB`!W)`JG:Z[H]]J,^G6>JV-Q?0;O.MH;A'DCVG:VY0<C!(!ST-
M9^L_Z;XHT'3&XA7S]2D!Y63R0B*A7V>=)`>S0KQG!7G]%_Y%CX6_]L/_`$VS
MT`=X)X6N'MUEC,Z(KO&&&Y58D*2.H!*L`>^T^E25R^DV-O9?$/Q`;>/:T^GV
M4TK%BS.YEN^23R<`!1Z*JJ,``#J*`"BBB@`HHHH`****`"N?L_\`DH>L_P#8
M*L/_`$;=UT%<_9_\E#UG_L%6'_HV[H`Z"BBB@`HHHH`****`(Q/"UP]NLL9G
M1%=XPPW*K$A21U`)5@#WVGTJG:Z[H]]J,^G6>JV-Q?0;O.MH;A'DCVG:VY0<
MC!(!ST-8^DV-O9?$/Q`;>/:T^GV4TK%BS.YEN^23R<`!1Z*JJ,```%C;MK6A
M:1ID>RQ\/YED8,6$1$#0Q0$GJQ28N3DD!%W#]XIH`V+[7='TR*26_P!5L;2.
M.40.\]PD860J'"$D\,5(;'7!STJQ]OL_[._M'[7!]A\KS_M/F#R_+QNW[NFW
M'.>F*Y/PZBRZ)I^NVT-I<>(-2MYK^&.YNFB)BN'BD="P5BPC7R(PVP\1H/E!
MP,O4K&WOO@YXB^U1^8T7]K7#1ECL6<2W!(_VU5R=I8#.U7VJP`4`]$FGAMD#
MSRQQ(75`SL%!9F"J.>Y8@`=R0*IVNNZ/?:C/IUGJMC<7T&[SK:&X1Y(]IVMN
M4'(P2`<]#6?K/^F^*-!TQN(5\_4I`>5D\D(BH5]GG20'LT*\9P5Y_1?^18^%
MO_;#_P!-L]`'86NNZ/?:C/IUGJMC<7T&[SK:&X1Y(]IVMN4'(P2`<]#6A7%N
MBPZGX0M;2&T308+@+ID]M=-.TH%E,%5@5`5-F\AP[D[5X^8E>TH`****`"BB
MB@`HHHH`*Y^S_P"2AZS_`-@JP_\`1MW705S]G_R4/6?^P58?^C;N@#H****`
M"BBB@`HHHH`C,\*W"6[2QB=T9TC+#<RJ0&('4@%E!/;</6J?]NZ/_;']D?VK
M8_VG_P`^7VA/.^[N^YG=]WGITYK'FL;>#XG:?=QQ_P"D7.E7HED+%B0LEH%4
M9Z*,DA1@99CC+$DU6QMW>R\/:='M9]0CU.Z*L6^SHMP;DNV?^>DJ;`,C[S%0
M1&P`!N7FK:;IR3O?:A:6J0(CS-/,J"-78JA;)X#,"`3U((%26-_9ZG9QWEA=
MP7=K)G9-!()$;!(.&'!P01^%<OID5O?3WFMS+`^I2:K<)IL5Q.8]KVZ2VPC#
M@$E2$N),;3M\YR%)!8R:%9KJA\3V^K6\?F3:FGVRVBE9X@1;6^$#X4R(5"%@
MRJ#N9"&7E@#I/M]G_9W]H_:X/L/E>?\`:?,'E^7C=OW=-N.<],57_MW1_P"V
M/[(_M6Q_M/\`Y\OM">=]W=]S.[[O/3IS7'Z?_I/PW\"Z0>(]3BL8)2>08TM_
M/=&7^)76%HR#QB0YR!@G_,D?]S7_`.YJ@#K)O$N@VVJ#2Y];TV+4"ZH+1[I%
ME+-C:-A.<G(P,<Y%:E</;OK&@O=ZJ^H:5>VE]K8CEB@@?S/WEPMJF9?,VAHT
M$891'UC*D[B7KN*`"BBB@`HHHH`****`"BBLNPU^QU+6=0TRT:226P2-II-O
M[LEVD7:K?Q%6B<-C@$8SD,``:E%<_IWBR#4)['_B77UO::C_`,>%[-Y7EW7R
M&1=H5RZYC5G&]5X&#AL`DWBR`7DEG9:=?:A=+++&L=MY0$BQ"/S75I'52J/*
ML9YW;PPQ\I(`.@JNEC;QZC-?K'BZFBCAD?<?F1"Y48Z<&1_S]A6/>^,=+T_P
MO+KUSYZ0Q>:K6X3=,98BXDB"@D,RF-\D$J`C-NV@M6IJ.I0Z:EN95DD>XN([
M>*.(`NS.V,@9Y"KN=L=%1CVH`N45S^G>+(-0GL?^)=?6]IJ/_'A>S>5Y=U\A
MD7:%<NN8U9QO5>!@X;`)IWBR#4)['_B77UO::C_QX7LWE>7=?(9%VA7+KF-6
M<;U7@8.&P"`=!1110`4444`5TL;>/49K]8\74T4<,C[C\R(7*C'3@R/^?L*P
MXO`NA0V\]LJZDUO.DR2P2:M=/&XE#"3*-(02V]CG&<G/7FNDHH`S]3T6RU?R
MC=+.LD60DUM<R6\B@XRN^-E;:<*2N<$JI(R!@.B:<VAS:*;?-A-$\,L9=LR*
M^=Y9L[BS;F)8G<222<G-:%%`%=+&WCU&:_6/%U-%'#(^X_,B%RHQTX,C_G["
ML^Q\+Z3IUY'<V\,X:+/D127<LD,&01^ZB9BD>%)4;%&%)48!(K8HH`KI8V\>
MHS7ZQXNIHHX9'W'YD0N5&.G!D?\`/V%6***`"BBB@`HHK+&OV+^)1H,;2/>"
MW>X<JN4C"F,%6;IOQ*C;1R`03@,N0#4HKG_^$L@^U8_LZ^_L_P"U_8O[2_=>
M3YWF^3MV[_-_UO[O.S&><[?FJ2_\46UE?R6$=I=WEVKQQ)';A/WLKI)(8@S,
MJAUCC,C!BORLF,E@"`;E5TL;>/49K]8\74T4<,C[C\R(7*C'3@R/^?L*S[?Q
M)9R:==W=U'/8M9RB"YMYU#21R$*RH!&6#LPDCVA"Q)<+][B@>)+-O"4/B,1S
MFUFM$NHH0H\Z3>H*1JN<&1BRJ%!Y8@#K0!L45S__``ED'VK']G7W]G_:_L7]
MI?NO)\[S?)V[=_F_ZW]WG9C/.=OS4?\`"60?:L?V=??V?]K^Q?VE^Z\GSO-\
MG;MW^;_K?W>=F,\YV_-0!T%%%%`!1110!72QMX]1FOUCQ=311PR/N/S(A<J,
M=.#(_P"?L*PXO`NA0V\]LJZDUO.DR2P2:M=/&XE#"3*-(02V]CG&<G/7FNDH
MH`S]3T6RU?RC=+.LD60DUM<R6\B@XRN^-E;:<*2N<$JI(R!@.B:<VAS:*;?-
MA-$\,L9=LR*^=Y9L[BS;F)8G<222<G-:%%`%=+&WCU&:_6/%U-%'#(^X_,B%
MRHQTX,C_`)^PK/L?"^DZ=>1W-O#.&BSY$4EW+)#!D$?NHF8I'A25&Q1A25&`
M2*V**`,>Q\+Z3IUY'<V\,X:+/D127<LD,&01^ZB9BD>%)4;%&%)48!(K8HHH
M`****`"BBLL:_8OXE&@QM(]X+=[ARJY2,*8P59NF_$J-M'(!!.`RY`-2BN?_
M`.$L@^U8_LZ^_L_[7]B_M+]UY/G>;Y.W;O\`-_UO[O.S&><[?FJ2_P#%%M97
M\EA':7=Y=J\<21VX3][*Z22&(,S*H=8XS(P8K\K)C)8`@&Y5=+&WCU&:_6/%
MU-%'#(^X_,B%RHQTX,C_`)^PK/M_$EG)IUW=W4<]BUG*(+FWG4-)'(0K*@$9
M8.S"2/:$+$EPOWN*!XDLV\)0^(Q'.;6:T2ZBA"CSI-Z@I&JYP9&+*H4'EB`.
MM`&Q17/_`/"60?:L?V=??V?]K^Q?VE^Z\GSO-\G;MW^;_K?W>=F,\YV_-5R]
MU^QL=;T[1Y&D>\OG*HD:[A&`DCAG/101$X7/+$'`(5B`#4HHHH`****`*[V-
MO)J,-^T>;J&*2&-]Q^5'*%ACIR8T_+W-9<?A+2H=4FU&)M22XFN/M,NW5+D(
M\G`RT?F;",*HVD8P`,8&*W**`,M_#VF/HUII(@DCM+-$2V\J>2.2$(NU=DBL
M'4[<J2&R02#D$YL:;I=II-NT-HD@#N7D>65Y9)&P!EW<EF.``"2<!0.@`JY1
M0!GV>B:=8?V?]FM_+_L^T-E:_.Q\N$[,KR>?]4G)R?EZ\G-?_A%])_M'[;Y,
M^[S?/\C[7+]G\S.[?Y&[R]V[Y\[<[_F^]S6Q10!CKX7TE-8CU189UN(I7GC0
M7<HA21U96<0[O+#$.^3MR2S'J2:V***`"BBB@`HHHH`****`"N?L_P#DH>L_
M]@JP_P#1MW7044`<&?&7AG5];74#K^FFPT9+B:*)+E7EGE5&#S+&IW[$C\Y1
MP=^]F`PJ,UBWNXO#WA/2M/UO49-"O+RW:XNM1+PJD=V6629=\@:/>[R2$*`1
MA7VX"BNTHH`\_GY^"_B-A\RO::JZ3?\`/PI><K-Z'S`1)E<*=^5`7`'07?\`
MIWCG3K;[\.FVDM[*O3RYI#Y4#9[Y078P,@=2,[#7044`>;^'K^SNM-^'VE6]
MW!-J6F>7]OLXY`TUIML)HV\U!RF'94.X##,!U-'AZ_L[K3?A]I5O=P3:EIGE
M_;[..0--:;;":-O-0<IAV5#N`PS`=37I%%`!1110`4444`%%%%`!1110`444
M4`%%%%`!1110`5S]Y_R4/1O^P5?_`/HVTKH**`.+U'Q+H.M>);?0O[;TV-+*
M]C:YBDND5[BX0[HH$7.XE9/+=F'&4"?-F0(:9JMM9>&GUB]N9+2/7;V>;^TQ
ML5(8F#"VF<O\J#R8X%&X?>*!AN9J[2B@#E_!;I,FM3PWG]H02:@#%J65;[8!
M;P@OE`(SM(,?R`#]W@@L&)Q]$_TSPI\.])'SK):6U[<1=,PP0*RMG_9N&M3@
M')ST*[J]`HH`\W^WV?\`8W]@_:X/[9_X27S_`.S_`#!]H\O^U?.W^7][;Y7[
MS.,;/FZ<UJ:CXET'6O$MOH7]MZ;&EE>QM<Q272*]Q<(=T4"+G<2LGENS#C*!
M/FS($[2B@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`*Y^\_Y*'HW_8*
MO_\`T;:5T%%`'%ZCXET'6O$MOH7]MZ;&EE>QM<Q272*]Q<(=T4"+G<2LGENS
M#C*!/FS($-,U6VLO#3ZQ>W,EI'KM[/-_:8V*D,3!A;3.7^5!Y,<"C</O%`PW
M,U=I10!R_@MTF36IX;S^T()-0!BU+*M]L`MX07R@$9VD&/Y`!^[P06#$X^B?
MZ9X4^'>DCYUDM+:]N(NF88(%96S_`+-PUJ<`Y.>A7=7H%%`'F_V^S_L;^P?M
M<']L_P#"2^?_`&?Y@^T>7_:OG;_+^]M\K]YG&-GS=.:/LOB2QUSPVVHZ?I1N
M+O6VN+JX@U"1O,D-E,APA@`55C7"C))V*&)+,]>D44`%%%%`!1110`4444`%
6%%%`!1110`4444`%%%%`!1110!__V3\_
`
end
</TEXT>
</DOCUMENT>
</SUBMISSION>
