<SEC-DOCUMENT>0000943374-18-000004.txt : 20180104
<SEC-HEADER>0000943374-18-000004.hdr.sgml : 20180104
<ACCEPTANCE-DATETIME>20180104170420
ACCESSION NUMBER:		0000943374-18-000004
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20180104
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180104
DATE AS OF CHANGE:		20180104

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BERKSHIRE HILLS BANCORP INC
		CENTRAL INDEX KEY:			0001108134
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				043510455
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15781
		FILM NUMBER:		18510895

	BUSINESS ADDRESS:	
		STREET 1:		24 NORTH ST.
		CITY:			PITTSFIELD
		STATE:			MA
		ZIP:			01201
		BUSINESS PHONE:		4134435601

	MAIL ADDRESS:	
		STREET 1:		24 NORTH ST
		CITY:			PITTSFIELD
		STATE:			MA
		ZIP:			01201
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8-k_010418.htm
<DESCRIPTION>FORM 8-K BERKSHIRE BANCORP, INC. 01-04-2018
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: Luse Gorman
    Document created using EDGARfilings PROfile 4.3.3.1
    Copyright 1995 - 2018 Summit Financial Printing, LLC.  All rights reserved.-->
</head>
<body style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" bgcolor="#ffffff" text="#000000">
<div><br>
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">UNITED STATES</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">WASHINGTON, D.C. 20549</div>

<div style="TEXT-ALIGN: center">_________________________________<br>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FORM 8-K</div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CURRENT REPORT</div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">PURSUANT TO SECTION 13 OR 15(D) OF</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">THE SECURITIES EXCHANGE ACT OF 1934</div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Date of Report (Date of earliest event reported): <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><u>January 4, 2018</u></font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><u>BERKSHIRE HILLS BANCORP, INC.</u></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Exact Name of Registrant as Specified in its Charter)</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zd22899d8ad604a57ba2bad3324cf9da9" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 34.96%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>Delaware</u></div>
</td>
<td style="WIDTH: 5.03%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>001-15781</u></div>
</td>
<td style="WIDTH: 4.1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 35.9%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>04-3510455</u></div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.96%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(State or Other Jurisdiction)</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">of Incorporation)</div>
</td>
<td style="WIDTH: 5.03%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Commission File No.)</div>
</td>
<td style="WIDTH: 4.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 35.9%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(I.R.S. Employer</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Identification No.)</div>
</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z0efa956a704241beb062fd10bcdc5dc3" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 59.4%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>24 North Street, Pittsfield, Massachusetts</u></font></div>
</td>
<td style="WIDTH: 7.29%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 33.31%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>01201</u></font></div>
</td>
</tr>

<tr>
<td style="WIDTH: 59.4%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;(Address of Principal Executive Offices)</div>
</td>
<td style="WIDTH: 7.29%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 33.31%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Zip Code)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Registrant's telephone number, including area code: </font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><u>(413) 443-5601</u></font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><u>Not Applicable</u></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Former Name or Former Address, if Changed Since Last Report)</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify">
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z2782338ec48b4918923a73343c12dec7" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 27pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; align: right">[&#160; ]</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify">
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z358dbd4991994488adb7967818cfd62b" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 27pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; align: right">[&#160; ]</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify">
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z3c6e88b0d828415a9f3941634c932665" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 27pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; align: right">[&#160; ]</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify">
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z4e46daf272f446469679ba2eb4daaa61" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 27pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; align: right">[&#160; ]</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &#167;230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR &#167;240.12b-2).</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Emerging growth company [&#160; ]</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [&#160; ]</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="PAGE-BREAK-AFTER: always" id="DSPFPageBreak">
<hr style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px" noshade="noshade">
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 8.01<font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font> Other Events</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">On December 22, 2017, President Trump signed into law "H.R.1", formerly known as the "Tax Cuts and Jobs Act" (the "Tax Act"), which, among other items reduces the federal corporate tax rate to 21% effective January 1, 2018. As a result, Berkshire Hills Bancorp, Inc. (the "Company") has concluded that this will cause the Company's net deferred tax assets to be revalued. The Company's net deferred tax assets represent a decrease in corporate taxes expected to be paid in the future. The Company performed an analysis to determine the impact of the revaluation of the net deferred tax assets using its September 30, 2017 balance of $39 million and included an estimate of the deferred tax impact from the recent acquisition of Commerce Bancshares Corp. ("Commerce"). It is estimated that, due to the Tax Act, the value of the net deferred tax assets will be reduced by approximately $21 million (including the impact of Commerce), less the amount of tax deferral utilized in the fourth quarter. Under this methodology, the Company estimates that there will be a noncash charge to income tax expense in the fourth quarter which will result in a reduction of approximately $0.46 per share in fourth quarter earnings due to the impact of the Tax Act.&#160;&#160; The Company's revaluation of its net deferred tax assets is subject to further clarifications of the new law that cannot be estimated at this time. As such, the Company is unable to make a final determination of the impact on the quarterly and year to date earnings for the period ending December 31, 2017 at this time. The Company will continue to analyze the Tax Act to determine the full effects of the new law, including the new lower corporate tax rate, but believes the future impact will be positive on the Company's financial statements and operations.&#160;The Company anticipates giving further tax guidance in conjunction with its fourth quarter earnings release and conference call.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">On January 4, 2018, the Company issued a news release relating to employee and community investments by the Company. The news release is included as Exhibit&#160;99.1.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Forward-Looking Statements</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">This document contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. There are several factors that could cause actual results to differ significantly from expectations described in the forward-looking statements. For a discussion of such factors, please see the Company's most recent reports on Forms 10-K and 10-Q filed with the Securities and Exchange Commission and available on the SEC's website at <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">www.sec.gov</font>. The Company does not undertake any obligation to update forward-looking statements.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="PAGE-BREAK-AFTER: always" id="DSPFPageBreak">
<hr style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px" noshade="noshade">
</div>
</div>

<div style="MARGIN-BOTTOM: 8pt"><br>
</div>

<div style="TEXT-ALIGN: justify"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 9.01<font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><font style="WIDTH: 9pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font></font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial Statements and Exhibits</font></div>

<div><br>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zc5b04ca5833c4b91b973cf6517ddf7c7" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 72pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">(a)</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Not applicable.</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z82f672392b2541e6b18df6808c8b6be0" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 72pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">(b)</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Not applicable.</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z0a984cfbce1348a2a3489baa19589a93" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 72pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">(c)</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Not applicable.</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z71fee0dffa8a4405838ffe0a4f4b3198" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 72pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">(d)</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Exhibits.</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 72pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Exhibit No.</u><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-VARIANT: normal; FONT-STYLE: normal; WIDTH: 9pt; DISPLAY: inline-block; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 1px; FONT-WEIGHT: bold" id="TRGRRTFtoHTMLTab">&#160;</font></font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Description</u></font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 72pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">99.1</font><font style="WIDTH: 108pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><a href="ex99-1_8k010418.htm">&#160;News release dated January 4, 2018</a></div>

<div><br>
</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="PAGE-BREAK-AFTER: always" id="DSPFPageBreak">
<hr style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px" noshade="noshade">
</div>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SIGNATURES</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; TEXT-INDENT: 36pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>

<div><br>
</div>

<div><br>
</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zfd756397d39c4e7c8851ad44cc1b78fc" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 41.09%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 53.03%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;BERKSHIRE HILLS BANCORP, INC.</div>

<div>&#160;</div>

<div>&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 41.09%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">DATE: January 4, 2018</div>
</td>
<td style="WIDTH: 5.88%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">By:</div>
</td>
<td style="WIDTH: 53.03%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><u>/s/ James M. Moses</u></font></div>
</td>
</tr>

<tr>
<td style="WIDTH: 41.09%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 53.03%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; TEXT-INDENT: -13.2pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 13.2pt; FONT-SIZE: 10pt">&#160;James M. Moses, Executive Vice President and Chief Financial Officer</div>
</td>
</tr>

<tr>
<td style="WIDTH: 41.09%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 53.03%; VERTICAL-ALIGN: top">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div><br>
</div>
</div>
</body>
</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99-1_8k010418.htm
<DESCRIPTION>NEWS RELEASE DATED JANUARY 4, 2018
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: Luse Gorman
    Document created using EDGARfilings PROfile 4.3.3.1
    Copyright 1995 - 2018 Summit Financial Printing, LLC.  All rights reserved.-->
</head>
<body style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" bgcolor="#ffffff" text="#000000">
<div>&#160;</div>

<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">EXHIBIT 99.1</font><br>
</div>

<div>
<div><br>
</div>

<div style="TEXT-ALIGN: center"><img style="WIDTH: 381px; HEIGHT: 90px" src="image0.jpg"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 14pt; FONT-WEIGHT: bold">Berkshire Hills Announces Employee and Community Investments</div>

<div><br>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">PITTSFIELD, MA &#8211; January 4, 2018&#8211; Berkshire Hills Bancorp<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">, Inc. (NYSE:&#160; BHLB), the parent of Berkshire Bank, today announced additional investments in its employees and communities following the recent passage of federal tax reform legislation.</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">These investments include:</div>

<div><br>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="z0ee6d30c05734e0d8059b8da4344dd47" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Raising Berkshire's minimum wage to $15 per hour.</div>
</td>
</tr>
</table>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zefee8ca9ff4a44498019154856f8b1d2" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Providing a special, one-time bonus of $1000 to over 1000 employees.&#160; This grant benefits all full time employees below a certain compensation threshold, covering over 70% of the Bank's workforce, and augments the special $500 holiday bonus these colleagues received in the fourth quarter.</div>
</td>
</tr>
</table>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="za380a024487e407c94b31f6a3ef126f8" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Enhancing Berkshire's investment in employee development and training programs to benefit our employees and bolster our current offering at AMEBU &#8211; American's Most Exciting Bank University.</div>
</td>
</tr>
</table>
</div>

<div>
<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zbb0700a37dcc48788f2e82e7dddfa79e" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Contributing $2 million to the Berkshire Bank Charitable Foundation which supports charitable organizations, scholarships, and volunteerism across Berkshire's local communities.&#160; This will bolster the foundation's endowment and allow for increased local giving.&#160; Last year we provided over $2 million to our local communities, complementing our employee volunteer program which helps our employees contribute over 40,000 hours of volunteer service each year.</div>
</td>
</tr>
</table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">"Berkshire's unique culture is built on the recognition that our employees are our most important asset," said Mike Daly, Berkshire's Chief Executive Officer.&#160; "As an organization, we believe that taking care of our employees leads to more satisfied customers, healthier communities and higher returns to shareholders.&#160; We're pleased to have the opportunity to further reward the team for their hard work and dedication to our customers, while also investing in their long-term professional development and furthering our overall commitment to the communities we serve."</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ABOUT BERKSHIRE BANK FOUNDATION</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">Through foundation grants to nonprofits, scholarships to students, environmental programs, and employee volunteerism, Berkshire Bank is making a difference. Each year the Foundation donates $2 million to nonprofits throughout the Bank's footprint and 100% of bank employees provide over 40,000 hours of service through our XTEAM&#174; corporate volunteer program. Berkshire Bank was named one of Massachusetts' Most Charitable Companies by the Boston Business Journal in 2017. To learn more about Berkshire Bank Foundation, visit www.berkshirebank.com/community.</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">&#160;</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="PAGE-BREAK-AFTER: always" id="DSPFPageBreak">
<hr style="BORDER-RIGHT-WIDTH: 0px; BACKGROUND-COLOR: #000000; MARGIN: 4px 0px; WIDTH: 100%; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; HEIGHT: 2px; COLOR: #000000; CLEAR: both; BORDER-LEFT-WIDTH: 0px" noshade="noshade">
</div>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ABOUT BERKSHIRE</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">Berkshire Hills Bancorp is the parent of Berkshire Bank - America's Most Exciting Bank<sup style="vertical-align: text-top; line-height: 1; font-size: smaller">&#174;</sup>.&#160; Berkshire has approximately $11.6 billion in assets and 113 full service branches in Massachusetts, New York, Connecticut, Vermont, New Jersey, and Pennsylvania providing personal and business banking, insurance, and wealth management services. The Company also offers mortgages and specialized commercial lending services in targeted national markets.&#160; To learn more about Berkshire Bank, visit www.berkshirebank.com</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FORWARD LOOKING STATEMENTS</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">This document contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. There are several factors that could cause actual results to differ significantly from expectations described in the forward-looking statements. For a discussion of such factors, please see Berkshire's most recent reports on Forms 10-K and 10-Q filed with the Securities and Exchange Commission and available on the SEC's website at <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">www.sec.gov</font>. Berkshire does not undertake any obligation to update forward-looking statements. <img src="image1.jpg"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Media Contact: </font>Elizabeth Mach, SVP &#8211;Marketing Officer, 413.445.8390,</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">emach@berkshirebank.com</div>

<div><br>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investor Contact:&#160; </font>Allison O'Rourke; EVP - Investor Relations Officer; 413-236-3149, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">aorourke@berkshirebank.com</font></div>

<div><br>
</div>

<div><br>
</div>

<div><br>
</div>
</div>
</body>
</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image0.jpg
<TEXT>
begin 644 image0.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" "] QP# 2(  A$! Q$!_\0
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M6%_PF.@?\_\ _P"09/\ XFC_ (3'0/\ G_\ _(,G_P 31]8H_P Z^]![*?\
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MF?\ /S_Y#;_"CVM/^9?>')+L:5%9O]O:9_S\_P#D-O\ "E_MW3?^?G_QQO\
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MUHR4:B;/)ZO'6+\Z7_9IG_T0<>7L7^>,_K76?\*Y_P"HK_Y+_P#V5'_"N?\
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M-7[C7]4NM/%C-=%K8*%V;%' Z<@9KJ/^%<_]17_R7_\ LJ/^%<_]17_R7_\
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M=E_P@/\ U$__ "!_]E2_\(%_U$__ "!_]E3^I5_Y?Q0?6*?<XZE%=C_P@?\
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MVM@OI<ZVBN'^%GB#5/$GABZO-6NOM$Z7KQ*_EJF%"(0,* .I-=Q2>@T%%%%
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M=F)JZ/"OA8MT?B%IYM=V KF4@<!-ISG^GOBO5/C'_P DZNO^OBW_ /1BUO\
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M_H,*9V1W15<^@C(K#^$FA^()-874[:>:STD',S$?+<X_A /7_>[=C6_\=?\
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M=P>QT'PP_P"2<:-_UR;_ -#:N6^.O_($T7_K];_T6U=3\,/^2<:-_P!<F_\
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M._M784:H-&<WHO@+PUH,RSV6F1_:%.5FF8R,I]1NSC\,5TE%%(9EZQX=TCQ
ML2ZK8QW2Q$E Y/RYZ]#5^UMH;.UBMK>,1PQ*$1!T4#H*Q_&FJ76B^#-7U.R9
M5N;:V:2-F7< P]JT-&N9;S0["ZF(,LUM'(Y QDE030!:E_U3_P"Z:\1^#_\
MR4+7/^N,O_HX5[=+_JG_ -TUXC\'_P#DH6N?]<9?_1PJELR7NCTS6O /AO7Y
MS<7NFH+@G+30L8V;Z[>OXYK,M/A+X2M9%=[.:Y*G($T[$?B!C/XUW%%*['9$
M5M;06=NEO:PQPPQC"1QJ%51[ 5+112&%%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% #719(V1QE6&"#W%<^/ 7A0  :#8@#@?NZZ*B@#.TS0-(T8N=-TVUM6<8=H
MH@&8>A/4BC6-!TKQ!:BVU6QBNHQDKO&&3/4JPY4_0UHT4 <_I'@CPWH-T+K3
MM)BBN!]V5V:1EXQ\I<G''I5FX\+:%=ZI_:=QI5M)?;TD\]D^;<F-ISZC:/RK
M7HHN%BIJ6EV.KVOV74;6.Y@W!O+D&1D=#4,>@Z3#H[:1'I]N-/;.;;9\AR<G
MCZ\UHT4 8MOX1\/6D4\4&CVB1W"A)D\O*R '(W#H<'IZ5GQ?#?PA#=_:5T.
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
8B@ HHHH **** "BBB@ HHHH **** /_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image1.jpg
<TEXT>
begin 644 image1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_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"  !  $# 2(  A$! Q$!_\0
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!V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
