<SEC-DOCUMENT>0001171843-17-005540.txt : 20170914
<SEC-HEADER>0001171843-17-005540.hdr.sgml : 20170914
<ACCEPTANCE-DATETIME>20170914110015
ACCESSION NUMBER:		0001171843-17-005540
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20170914
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170914
DATE AS OF CHANGE:		20170914

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			QCR HOLDINGS INC
		CENTRAL INDEX KEY:			0000906465
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				421397595
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22208
		FILM NUMBER:		171084893

	BUSINESS ADDRESS:	
		STREET 1:		3551 7TH STREET
		CITY:			MOLINE
		STATE:			IL
		ZIP:			61265
		BUSINESS PHONE:		3097363580

	MAIL ADDRESS:	
		STREET 1:		3551 7TH STREET
		CITY:			MOLINE
		STATE:			IL
		ZIP:			61265

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUAD CITY HOLDINGS INC
		DATE OF NAME CHANGE:	19930805
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_091417.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>UNITED STATES</B></FONT></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>SECURITIES AND
EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Washington, D.C. 20549</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><FONT STYLE="font-size: 12pt"><B>FORM 8-K</B></FONT></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Current Report</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Pursuant to Section 13 or 15(d) of</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>The Securities Exchange Act of 1934</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0">&#160;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Date of Report (Date of earliest event
reported)&#160;September 14, 2017</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 18pt"><B>QCR Holdings, Inc.</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt">(Exact name of registrant as specified in its charter)</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Commission File Number:&#160;&#160;0-22208</B></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P>

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<TR>
    <TD STYLE="width: 50%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Delaware</B></FONT></TD>
    <TD STYLE="width: 50%; text-align: center; text-indent: 0pt"><FONT STYLE="font-size: 10pt"><B>42-1397595</B></FONT></TD></TR>
<TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction of incorporation)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(I.R.S. Employer Identification Number)</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>3551 Seventh Street</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Moline, Illinois 61265</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt">(Address of principal executive offices, including
zip code)</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>(309) 743-7721</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt">(Registrant's telephone number, including area
code)</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>N/A</B></P>

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 4.5pt 0pt 0; font-size: 10pt">(Former name or former address, if changed
since last report)</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: left; text-indent: 20pt; margin-right: 4.5pt; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">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 (<I>see</I> General Instruction A.2 below):</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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

<TABLE ALIGN="CENTER" BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt">[&#160; ]</FONT></TD>
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE ALIGN="CENTER" BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18pt">
        <P STYLE="margin-top: 0pt; margin-bottom: 0pt">[&#160; ]</P></TD>
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE ALIGN="CENTER" BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18pt">
        <P STYLE="margin-top: 0pt; margin-bottom: 0pt">[&#160; ]</P></TD>
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
</TABLE>
<P STYLE="text-align: left; text-indent: 0pt; margin: 0pt 0">&nbsp;</P>

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

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18pt">[&#160; ]</TD>
    <TD STYLE="text-align: left; width: 18pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange </FONT></TD></TR>
</TABLE>
<P STYLE="text-align: justify; text-indent: 0pt; margin: 0pt 0">&#160;</P>

<P STYLE="text-align: justify; text-indent: 0pt; margin: 0pt 0"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0; background-color: white">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 &sect;230.405) or Rule&nbsp;12b-2&nbsp;of the Securities
Exchange Act of 1934 (17 CFR&nbsp;&sect;240.12b-2).&nbsp;Emerging growth company&nbsp;[&#160; ]</P>

<P STYLE="font-size: 10pt; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0; background-color: white">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.&nbsp;[&#160; ]</P>



<P STYLE="text-align: justify; text-indent: 0pt; margin: 0pt 0"></P>

<P STYLE="text-align: justify; text-indent: 0pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; text-indent: 0pt; margin: 0pt 0"></P>

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<P STYLE="text-align: left; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Item 8.01. Other Events.</B></P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>


<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">On September 14, 2017, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated
herein by reference.</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt"><B>&#160;</B></P>

<P STYLE="text-align: left; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>Item 9.01. Financial Statements and Exhibits.</B></P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt"></P>

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    <TD STYLE="width: 5%; text-align: center">(d)</TD>
    <TD STYLE="width: 95%">Exhibits</TD></TR>
</TABLE>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt"></P>



<P STYLE="text-align: left; text-indent: 0pt; margin: 0pt 0"></P>

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    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 12%; text-decoration: underline; text-indent: 0pt"><FONT STYLE="font-size: 10pt"><B><U>Exhibit Number</U></B></FONT></TD>
    <TD STYLE="text-align: left; text-decoration: underline; text-indent: 0pt; width: 83%"><FONT STYLE="font-size: 10pt"><B><U>Description</U></B></FONT></TD></TR>
</TABLE>
<P STYLE="text-align: left; text-indent: 0pt; margin: 0pt 0">&#160;</P>

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

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 12%"><FONT STYLE="font-size: 10pt">99.1</FONT></TD>
    <TD STYLE="text-align: left; width: 83%">Press release dated September 14, 2017</TD></TR>
</TABLE>
<P STYLE="text-indent: 0.5in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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

<P STYLE="text-align: center; text-indent: 0pt; margin: 0pt 0; font-size: 10pt"><B>SIGNATURES</B></P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-indent: 0pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: left; text-indent: 36pt; margin: 0pt 0; 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.</P>

<P STYLE="text-align: left; text-indent: 36pt; margin: 0pt 0">&#160;</P>

<P STYLE="text-align: left; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt"><B>QCR Holdings, Inc.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 20%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">Dated:&#160;&#160;September 14,
    2017</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: black 0.75pt solid; text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">/s/ Todd A. Gipple</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">Todd A. Gipple</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">Executive Vice President, Chief Operating Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify; text-indent: 0pt"><FONT STYLE="font-size: 10pt">and Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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



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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<p style="margin: 0; text-align: right"><b>Exhibit 99.1</b></P>

<P STYLE="margin: 0">&nbsp;</p>

<p style="margin-top: 0; text-align: center; margin-bottom: 0"><img src="hdr.jpg" alt="">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <td style="width: 50%"><FONT STYLE="font-size: 10pt">FOR IMMEDIATE RELEASE</FONT></TD>
    <td style="width: 50%; padding-left: 29.3pt"><FONT STYLE="font-size: 10pt">Contact: &nbsp;Larry J. Helling</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <td><FONT STYLE="font-size: 10pt">September 14, 2017</FONT></TD>
    <td style="padding-left: 66.6pt"><FONT STYLE="font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <td>&nbsp;</TD>
    <td style="padding-left: 66.6pt"><FONT STYLE="font-size: 10pt">Cedar Rapids Bank &amp; Trust</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <td>&nbsp;</TD>
    <td style="padding-left: 66.6pt"><FONT STYLE="font-size: 10pt">(319) 743-7101</FONT></TD></TR>
</TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="font-size: 12pt"><B>Cedar Rapids Bank and Trust Reaches
Milestone of $1 Billion in Assets</B></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Cedar Rapids Bank &amp; Trust (CRBT) announced it surpassed $1 billion
in total assets as of August 31, 2017.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Sixteen years ago in September 2001, Cedar Rapids Bank &amp; Trust
opened its doors to the public as a de novo bank. In February 2003, 17 months later, the bank reported $100 million in assets,
an unprecedented milestone by a de novo bank in the state of Iowa. In May 2009, Cedar Rapids Bank &amp; Trust surpassed $500 million
in assets.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Larry Helling, President and Chief Executive Officer of Cedar Rapids
Bank &amp; Trust commented, &ldquo;This is a major milestone for CRBT. Our strong growth to $1 billion dollars in assets reflects
our commitment to our clients, employees, community and shareholders. We take pride in offering high-quality products, innovative
technology and exceptional customer service. However, it really comes down to people. We have the finest banking professionals
and Board of Directors in the area. We would like to thank them for all they have done to help us achieve this milestone. They
are the key to our continued success.&rdquo;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Reaching the $1B milestone comes at the forefront of plans to acquire
Guaranty Bank and Trust Company headquartered in Cedar Rapids, Iowa. QCR Holdings, Inc., parent company of Cedar Rapids Bank &amp;
Trust, plans to merge Guaranty Bank into Cedar Rapids Bank &amp; Trust in early December. This will enhance the footprint and deposit
base of Cedar Rapids Bank &amp; Trust, making it the largest community bank headquartered in Linn County.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">As of June 30, 2017, Guaranty Bank reported approximately $266 million
in total assets, $201 million in total gross loans and approximately $212 million in total deposits.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Cedar Rapids Bank &amp; Trust provides full-relationship commercial
and consumer banking and trust and asset management services with two locations in Cedar Rapids and 123 total employees.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&ldquo;We would like to thank all of our clients and the community
for their support in building this community bank,&rdquo; added Helling. &ldquo;We are dedicated to serving the long-term needs
of our region and building a company that our employees, clients and community are proud of.&rdquo;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0"></p>

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<p style="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0">Cedar Rapids Bank &amp; Trust has been recognized consistently as
one of the top SBA lenders in the state of Iowa, a Coolest Places to Work and Worksite Wellness Honoree by the Corridor Business
Journal, the first Blue Zone designated-bank in Cedar Rapids, 100% employee giving to United Way of East Central Iowa for 15 consecutive
years, and over 4,000 employee volunteer hours in 2016. For more information, please visit crbt.com.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

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